Bank Operations Institute
BANK PERFORMANCE
R. Jay Phillips
Cerfis Group, Inc.
Federal Financial Institutions Examination Council
User’s Guide for the Uniform
Bank Performance Report –
Technical Information
September 2012
Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency
UBPR User’s Guide – Technical Information
Page 1
Introduction
The Uniform Bank Performance Report (UBPR) is an analytical tool created for bank supervisory,
examination, and bank management purposes. In a concise format, it shows the impact of management
decisions and economic conditions on a bank’s performance and balance-sheet composition. The
performance and composition data contained in the report can be used as an aid in evaluating the
adequacy of earnings, liquidity, capital, asset and liability management, and growth management.
Bankers and examiners alike can use this report to further their understanding of a bank's financial
condition and through such understanding perform their duties more effectively.
A UBPR is produced for every commercial and savings bank insured by the FDIC. The report is computergenerated from a data base derived from public and nonpublic sources. It contains several years’ worth
of data, which are updated quarterly. Those data are presented in the form of ratios, percentages, and
dollar amounts computed mainly from Reports of Condition and Income submitted by the bank (Call
Reports). Each UBPR also contains corresponding average data for the bank's peer group and percentile
rankings for most ratios. The UBPR therefore permits evaluation of a bank's current condition, trends in
its financial performance, and comparisons with the performance of its peer group.
A UBPR is available online at no charge at the FFIEC Central Data Repository’s Public Data Distribution
website: https://cdr.ffiec.gov/public/. A UBPR for any bank in the country may be viewed online,
printed or downloaded. The site includes data for most banks as early as December 31, 2002.
In addition to the individual bank report, the following is also available:
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A Peer Group Report, which presents an average for all institutions in each peer group
A List of Banks in Peer Group, which presents a list of banks within each peer group.
A State Average Report, which presents ratio, averages within States.
A Distribution Report is also produced using the peer groupings in the state average and peer group
average reports. Selected percentile values are displayed for individual ratios to provide additional
insight into the range of bank performance that comprises an average.
An online User’s Guide which allows users to click on any UBPR ratio and review its calculation stepby-step.
A PDF version of a UBPR user Guide which allows users to print out formulas for all UBPR concepts.
UBPR
bulk
data
which
can
be
downloaded
at
no
charge
at
https://cdr.ffiec.gov/public/PWS/DownloadBulkData.aspx in either tab delimited or eXtensible
Business Reporting Language (XBRL).
This Technical Information section of the User's Guide contains basic guidelines for using both the PDF
UBPR and online UBPR User’s Guides. The UBPR, related statistical reports and the User’s Guide are
available online, free of change, at https://cdr.ffiec.gov/public/. Questions regarding the UBPR or the
contents of this guide can be directed to: 1-888-CDR-3111 (1-888-237-3111) OR EMAIL
cdr.help@ffiec.gov.
UBPR User’s Guide – Technical Information
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Section I: Using the Uniform Bank Performance
Report for Financial Analysis
Summary
The Uniform Bank Performance Report is designed to be used by bank examiners and bank management
evaluating the financial condition of banks. By analyzing the data contained in the UBPR, the user can
obtain an overall picture of the bank’s financial health and can discover conditions that might require
further analysis and investigation. The UBPR is not designed to replace on-site examination or
investigations but to supplement present examination procedures. It also functions as a common point
of financial analysis between regulator and banker and can be useful as a part of a bank’s own internal
bank process. The UBPR presents three types of data for use in the financial analysis of a bank: (1) the
bank’s data, (2) data for a peer group of banks similar in size and economic environment, and (3)
percentile rankings. A thorough understanding of those data groups and their interrelationships and
limitations is essential in order to use the UBPR effectively. As a general rule, any analysis should
compare the bank to its peer group, consider the bank’s trends over time, and also be aware of trends
and changes in peer group averages. This user's guide does not present detailed in-depth instructions on
ratio analysis, nor does it assign particular value to individual ratios or groups of ratios. Rather, it simply
summarizes one way of using the UBPR for analysis; other approaches may be equally effective. Its
primary purpose is to explain the calculations of individual ratios.
Availability
All Uniform Bank Performance Reports and related information are distributed online through the FFIEC
Central Data Repository’s Public Data Distribution website https://cdr.ffiec.gov/public/. The UBPR for a
given bank is usually published within a day of the underlying Call Report being filed at the Central Data
Repository. If the Call Report for a given bank contains errors then the UBPR may not be published until
those errors are corrected. Peer group average data is made available once most banks have filed their
Call Reports and UBPR data has been computed. For all peer groups except peer group 1 and peer group
2, peer group averages are published 30 days after the date of a Call Report, or on the Call Report due
date. For peer groups 1 and 2, peer group averages are published 35 days after the date of a Call Report
or on the Call Report due date. UBPR data is updated continuously. For the current Call Report quarter,
UBPR data is recalculated every night and published the next morning. UBPR data for the current
quarter and four consecutive prior quarters is recalculated every Friday night and published the next
day. UBPR data for the prior twenty-one quarters is recalculated once a quarter. That recalculation
occurs approximately two weeks before banks begin submitting a new Call Report and the data is
published within 3 days.
UBPR User’s Guide – Technical Information
Page 5
Uniform Bank Performance Report Selection —
Select Search for a Uniform Bank Performance Report
To obtain a UBPR for a specific bank enter the bank name, FDIC certificate number, or the Federal
Reserve RSSD ID. Alternatively, enter one or more of the geographic criteria available to search for a
bank: State, City, County, or Zip Code. For example, entering Los Angeles and California will return a list
of all banks headquartered in Los Angeles, California.
Other Available Statistical Reports—
Peer Group Average Report—This report displays all UBPR ratios averaged by peer group in UBPR
format. All peer groups are available.
Peer Group Average Distribution Report—This report provides a distribution or range of values for all
ratios that appear in the UBPR by peer group. This report can provide valuable insight into the
population of banks that are used to calculate peer average data that appears in the UBPR. For example
the UBPR calculates a trimmed average ROA for the peer group 9 of 1.18%. Peer group nine is made up
of 339 banks with net income to average assets (ROA) that ranges from –2.24% at the first percentile to
5.51% at the 99th percentile. The report displays ratio distribution data in UBPR page format.
State Average Report—Provides summary UBPR ratio data and selected aggregate information averaged
by state. A further breakdown of average statistical data is provided by asset size. The information is
provided for all states and territories in UBPR format.
State Average Distribution Report—This report provides a distribution or range of values for all ratios
that appear in the state average report. Similar to the peer group average distribution report, this report
can provide valuable insight into the population of banks used to calculate state average data.
List of Banks in Peer Group Report—This report provides a list of banks by peer group. The list includes
core information such as location, assets and net income and it may be sorted by several criteria. An
individual bank’s UBPR may be accessed directly from the list by clicking on the certificate number.
Custom Peer Group Bank Report—This report allows a selected bank to be compared with the composite
performance of a user defined peer group of banks. UBPR peer statistics are recomputed based on a
user defined group of banks and displayed along with individual bank data in UBPR page format. Banks
may be identified as peers by either entering FDIC certificate numbers or using the built-in search
engine.
Analytical Considerations
Effective use of the UBPR entails consideration of the level and trend of individual ratios and the
interrelationship among related ratios. No single ratio, percentile ranking, or trend is indicative of a
banks’ condition. Each bank has its own unique operating characteristics that affect both its balancesheet composition and its income stream. A given bank may be above or below the peer group average
UBPR User’s Guide – Technical Information
Page 6
for a given ratio, however that information must be considered in combination with other related facts
including other UBPR data before its importance can be determined.
For example, if a bank’s net interest income (TE) to average assets (UBPR page 01) is 3.03 percent
compared with the peer group average of 3.96 percent, placing it in the 15th percentile, the bank may
appear to be having profit-margin difficulties. However, if the bank’s short-term investments (UBPR
page 10A) are 49 percent of average assets compared with the peer-group average of 17 percent and its
volatile liabilities are 43 percent of average assets compared with 19 percent for the peer group, it can
be concluded that the bank’s assets and liability composition is substantially different from that of its
peers. Thus, a lower net interest income (TE) to average assets ratio may be normal and proper, as
would be a lower overhead expense to average assets ratio. Dependence on large time deposits and
federal-funds purchased in short-term investments normally produces narrower profit margins and does
not require as large a building, staff, or operating budget as engaging more heavily in retail activities.
However, overhead expenses that are not well below the peer group mean for such a bank could be
cause for concern, because of the potential effect on earnings. As the above example demonstrates,
differences in assets and liability composition must be taken into consideration in order to properly
interpret percentile rankings and ratio variations between the bank and its peer group. By employing
percentile rankings and peer-group data as general guides or points of reference, rather than as strict
bench marks, and by being aware of the interrelationship between the bank’s balance sheet and its
income statement, analysis may focus on those areas of a bank’s operation that merit concern, thus
providing a more complete understanding of the entire bank.
Method of Review
The introductory page of the UBPR describes the bank’s current peer group and the name and address
of its holding company, if applicable. The primary financial analysis begins on UBPR page 01 with a
review of summary ratios.
The Summary Ratios page (Page 01) presents the bank’s average assets and net income in dollars;
performance ratios, asset and liability management data, capital ratios, and growth rates. It also shows
percentile rankings and peer-group averages. This page provides direction for analysis of the other
sections of the report. After the summary ratios section has been analyzed, the bank’s earnings section
can be evaluated using a “Decision Tree” analysis approach. Note that the UBPR is organized so that
ratios on page one are supported by details on subsequent pages. This approach is an attempt to
explore how ratios are interrelated and how one ratio can affect other ratios, thus allowing the analyst
to trace the source of a particular performance characteristic to its root cause. For example, the
interplay of rates earned on assets or paid on liabilities and the volume or mix of such assets and
liabilities is segregated in the decision tree analysis.
Rather than trace each earning component separately, the analyst may review the earnings page in
sequence to analyze the trend and interrelationships of these components while tracing their causes.
Concurrently, the analyst may identify conditions that may be cause for concern and find corroborative
evidence of conditions noted during the review of the summary ratios. This method allows for an
orderly progression of thought and helps the analyst develop a perception of the bank as a whole.
This method of page-by-page review may be extended to the other sections of the UBPR. After
completing the review of the last page of the report, the user should have a relatively comprehensive
UBPR User’s Guide – Technical Information
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Section II: Technical Information
Banks Covered
The Uniform Bank Performance Report covers all FDIC-insured commercial banks, savings banks, and
savings associations which may be categorized according to their charter types and primary regulatory
agencies:
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National banks and Federal-chartered savings association, which are regulated by the Office of
the Comptroller of the Currency
State-chartered banks, which are members of the Federal Reserve System, regulated by the
Federal Reserve Board
State-chartered commercial banks, savings banks and savings associations, which are not
members of the Federal Reserve System, and are regulated by the Federal Deposit Insurance
Corporation
Sources of UBPR Data
The source of all bank and thrift financial data in the UBPR is Call Reports, which are filed quarterly by
each insured bank and thrift. These Call Reports differ somewhat between banks in amount of detail,
depending on the characteristics of the banks. The following “report type” designations refer to the
FFIEC form numbers on different Call Reports:
From March 31, 2001 forward:
 031 Reporters: all banks with domestic and foreign offices
 041 Reporters: all banks with domestic offices
The UBPR also uses various items of bank “structure” data from agency files, to categorize banks or to
gather additional information. Such items of information include:
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bank name and address
number of offices
established date
whether located in a Metropolitan Statistical Area
holding company identification
occurrences of bank mergers.
Format and Content
Each Uniform Bank Performance Report presents pages of bank financial data organized into: (1)
summary ratios, (2) income information and (3) balance sheet information. Also, the source items and
calculations used for some UBPR items may vary depending on Call Report type, bank class, or other
factors. For instance, assets or liabilities held in foreign offices may be used in certain ratio calculations
for banks with both domestic and foreign offices, filing Call Report Form 031.
UBPR User’s Guide – Technical Information
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Primary Peer Group Criteria
Banks are assigned to one primary peer group to permit average ratios to be calculated. Most banks are
assigned to one of the primary insured commercial bank peer groups. In addition several primary line-ofbusiness peer groups have been established because of the unique operating characteristics of some
institutions. Those groups include Savings Bank, Credit Card Specialty, and Bankers Bank peer groups.
Peer-group data are included in the UBPR to show the average performance of a group of banks with
similar characteristics. This information can be used as a benchmark against which an individual bank’s
asset and liability structure and earnings may be measured. Users should note that primary peer group
data appears on pages 1, 3, 5, 6, 7, 8, 9, 10, 11, 12, and 13.
Insured Commercial Bank Peer Groups
Over 6,000 banks are assigned to one of 15 asset-based primary insured commercial bank peer groups.
Peer groups are defined by up to three criteria as described in the table below. Banks are first grouped
by asset size using 90-day average assets from Call Report Schedule RC-K. This asset-based grouping
applies to all peer groups and is reviewed quarterly. Smaller asset groups are sub-divided by the number
of full service branches. The number of full service branches is gathered from the annual Summary of
Deposits filed with the FDIC. Those groupings are subdivided again by whether a bank is located in a
metropolitan area or not. A metropolitan area is a Metropolitan Statistical Area (MSA) as defined by a
federal agency, the Office of Management and Budget (OMB). DeNovo, or newly chartered insured
commercial banks are compared to other banks that opened in the same year for a period of five years.
For example banks that were chartered in the year 2006 will be placed in peer group number 2006 and
compared to one another for five years. After five years, banks will be placed in one of the asset-based
peer groups. The UBPR will include DeNovo peer groups from 2001 forward.
This structure is used to develop average or composite ratios by peer group. Because similar sized banks
operating under similar conditions are compared, the peer group ratios provide a useful benchmark of
performance. Consistent differences in peer group performance are apparent over time. For example,
the average non-branch bank in a non-metropolitan area tends to have lower overhead, lower
noninterest income higher profitability and higher capital ratios than similar sized branch banks located
in metropolitan areas.
Insured Commercial Bank Peer Group Descriptions
Peer Group
Number
Average Assets for Latest Quarter
1
2
3
4
5
6
7
In excess of $3 billion
Between $1 billion and $3 billion
Between $300 million and $1 billion
Between $100 and $300 million
Between $100 and $300 million
Between $100 and $300 million
Between $100 and $300 million
UBPR User’s Guide – Technical Information
Number of
Banking Offices
Location
3 or more
3 or more
2 or fewer
2 or fewer
Metropolitan area
Non-metropolitan area
Metropolitan area
Non-metropolitan area
Page 10
8
9
10
11
12
13
14
15
DeNovo
Between $50 million and $100 million 3 or more
Metropolitan area
Between $50 million and $100 million 3 or more
Non-metropolitan area
Between $50 million and $100 million 2 or fewer
Metropolitan area
Between $50 million and $100 million 2 or fewer
Non-metropolitan area
Less than $50 million
2 or more
Metropolitan area
Less than $50 million
2 or more
Non-metropolitan area
Less than $50 million
1
Metropolitan area
Less than $50 million
1
Non-metropolitan area
Less than $750 million. Each DeNovo bank is grouped by the year of opening with other
DeNovo banks for a period of five years subject to the asset limitation. Each DeNovo peer
group is described by its year, e.g. 2006, 2007, 2008, etc.
FDIC Insured Savings Bank Peer Groups
Over 1,000 FDIC Insured Savings Banks and thrift institutions are assigned to one of four primary asset
based peer groups as defined in the table below. Banks are grouped by asset size using 90 day average
assets from Call Report Schedule RC-K. This asset-based grouping applies to all peer groups and is
reviewed quarterly. Savings banks continue to exhibit consistent differences in performance when
compared to insured commercial banks. As a consequence, the peer group comparison has proved to be
useful.
FDIC Insured Savings Banks Peer Group Descriptions
(Includes FDIC insured savings banks with the following characteristics)
Peer Group Number
101
102
103
104
Assets*
In excess of $1 billion
Between $300 million and $1 billion
Between $100 million and $300 million
Less than $100 million
* Asset figure used is latest quarterly average assets (from FFIEC Call Report Schedule RC-K).
Credit Card Specialty Banks Peer Groups
Approximately 39 banks are assigned to one of three primary credit card specialty peer groups based on
asset size. Banks are grouped by asset size using 90 day average assets from Call Report Schedule RC-K.
This asset-based grouping applies to all peer groups and is reviewed quarterly. Banks that exhibit both of
the following characteristics are considered to be a specialized credit card lender:
1. Credit Card Loans plus Securitized and Sold Credit Cards divided by Total Loans plus Securitized
and Sold Credit Cards exceeds 50%.
2. Total loans plus Securitized and Sold Credit Cards divided by Total Loans plus Securitized and
Sold Credit Cards exceeds 50%.
Credit card specialty banks are by definition focused on one type of lending. As a consequence many
appear as outliers when compared to traditional benchmarks of performance. Credit card specialty
UBPR User’s Guide – Technical Information
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banks exhibit very high noninterest income, noninterest expense, interest margins, loan loss provisions
and profitability when compared to traditional commercial or savings banks. As a consequence this
specialized peer group analysis has proven to be especially useful as a benchmark for reviewing such
banks.
Credit Card Specialty Banks Peer Group Descriptions
(Includes FDIC insured commercial and savings banks with the following characteristics)
Peer Group Number
201
202
203
Assets*
In excess of $5 billion
Between $1 billion and $5 billion
Less than $1 billion
* Asset figure used is latest quarterly average assets (from FFIEC Call Report Schedule RC-K).
Bankers Bank Peer Groups
Approximately twenty banks have been assigned to the primary bankers bank peer group. Bankers
banks are a unique type of financial institution that provide services to other banks, bankers and bank
directors. They do not provide any banking services to the general public. Because bankers banks are
highly specialized institutions, many appear as outliers when compared to traditional measures of
balance sheet structure and other forms of comparison. As a consequence the bankers bank peer group
data has proven to be an especially useful as a tool for analyzing bankers banks.
Bankers Banks Peer Group Description
Peer Group Number
301
All Bankers Banks
Supplemental Peer Groups
The UBPR also groups banks into three supplemental peer group categories: Fiduciary, Savings Banks,
and State Average peer groups. Data presented in these supplemental peer groups offer information in
addition to the primary peer group. Selected ratios are then averaged. This analysis is provided as an
enhancement to the primary peer group analysis available for all banks.
Fiduciary Peer Groups
Trust pages 14 and 14A include peer group average data for banks engaged in fiduciary activities. For the
purposes of these two pages, banks are compared to peer group data that is computed using
supplemental peer group definitions. Banks continue to be compared to a primary peer group on all
other pages of the UBPR.
All FDIC Insured commercial and savings banks engaged in fiduciary activities have been assigned to one
of five supplemental trust peer groups. Banks are grouped by total fiduciary assets (managed and nonmanaged) as reported on Call Report Schedule RC-T.
UBPR User’s Guide – Technical Information
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Data from Call Report Schedule RC-T is available from December 31, 2001 forward, however several
reporting limitations apply. Depending on asset size and the percentage of trust and related revenue to
total income, an individual institution may be required to report certain items quarterly, annually or not
at all. As a consequence, peer group data for interim quarters may be based on a much smaller
population of banks than year-end data. Please see instructions for the report of condition and income
on WWW.FFIEC.GOV for details. Prior to March 31, 2009, information on fiduciary income and expense
is considered confidential, only peer group data for those items will appear on the public UBPR website.
Fiduciary Peer Group Descriptions
Applies only to data shown on trust pages. (Includes insured commercial and savings banks with the following characteristics)
Peer Group Number
TRST301
TRST302
TRST303
TRST304
TRST305
Assets*
In excess of $100 billion
Between $10 billion and $100 billion
Between $1 billion and $10 billion
Between $250 million and $1 billion
Less than $250 million
* Asset figure used is latest total for managed and non-managed fiduciary assets (from FFIEC Call Report Schedule RC-T).
Savings Banks Peer Groups
In addition to the four standard savings bank peer groups mentioned above, FDIC insured savings banks
are also placed into one of eight supplemental peer groups based on ownership structure. Savings banks
that are mutually-owned by their depositors are placed into separate peer groups than their savings
bank counterparts with a stock ownership structure. All UBPR performance, rank and statistic data are
calculated for each of these supplemental peer groups. These supplemental peer groups are detailed
below:
Supplemental Insured Savings Bank Peer Group Descriptions
(Includes insured savings banks with the following characteristics)
Peer Group Number
Ownership Type and Assets*
101M
Mutually-owned insured savings banks in excess of $1 billion
102M
Mutually-owned insured savings banks between $300 million and $1 billion
103M
Mutually-owned insured savings banks between $100 million and $300 million
104M
Mutually-owned insured savings banks less than $100 million
101S
Stock-owned insured savings banks in excess of $1 billion
102S
Stock-owned insured savings banks between $300 million and $1 billion
103S
Stock-owned insured savings banks between $100 million and $300 million
UBPR User’s Guide – Technical Information
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104S
Stock-owned insured savings banks less than $100 million
* Asset figure used is latest quarterly average assets (from FFIEC Call Report Schedule RC-K).
State Average Peer Groups
The State Average Page (STAVA) is displayed for all banks as a part of the online UBPR. While it does not
display individual bank data, it does provide average of selected performance and balance sheet data for
banks within the state. Additionally, the same performance and balance sheet data is subdivided into
three asset categories. The state average page is provided as a supplement to the primary peer group
data discussed above.
Computing Peer Group Averages
Peer group averages shown in the UBPR are a trimmed average of the ratios for individual banks. The
peer group average for a given ratio is trimmed or adjusted to eliminate the effect of outliers or banks
above the 95th and below the 5th percentile. The resulting average in most cases is very close to the
median or mid-point value for a given group of banks. Thus the peer group average could be thought of
as representing the performance of the-bank-in-the-middle for a specific ratio. It should be noted that
the group of banks averaged for one ratio will differ from that used in other ratios. This occurs because
the top and bottom 5% of banks designated as outliers will change from ratio to ratio. Consequently
averages for separate ratios cannot be added or otherwise combined. The resulting peer group ratios are
very stable over time and are not influenced by outlier banks.
As an example the trimmed average Return on Assets (ROA) for peer group 3 was 1.26%. The 180 banks
in peer 3 have an ROA that ranges from –1.60% to 6.35%. After sorting the banks from highest to lowest
ROA, eighteen banks were identified as being in the top and bottom 5% and excluded from the group of
banks to be averaged.
When an item is reported by only a small group of banks within a peer group, an insufficient number of
valid observations can distort peer-group data. To minimize this problem, a floor has been set for the
minimum number of ratio values that may be used to calculate the peer-group average. If fewer than
five ratio values are available to compute the peer-group figure, a double number sign (##) is displayed
rather than the value.
Percentile Rankings
Percentile rankings (PCT) are presented to the right of most of the individual and peer group ratios. The
percentile ranking is the position or ranking of one bank relative to all others within the peer group for a
given ratio. Thus, if a bank is at the 80th percentile for the tier one leverage ratio, it may be said that
20% of the banks in the peer group have a leverage ratio that is higher and 80% have a lower ratio. A
high or low percentile ranking is a simple statement of statistical fact; it does not imply a good, bad,
satisfactory, or unsatisfactory condition. However, when analyzed within the context of other related
UBPR User’s Guide – Technical Information
Page 14
data, an opinion can be formed about the potential relevance of a high or low percentile ranking to an
individual bank’s financial condition and performance.
Please note that all banks within the peer group are included in the percentile ranking, as opposed to
the peer group average methodology discussed above.
Computations and Adjustments
Calculating Asset and Liability Averages
The UBPR uses three different methodologies for calculating averages.
The first type of average is a cumulative or year-to-date average of the one quarter averages for assets
and liabilities reported in Call Report Schedule RC-K. The resulting year-to-date averages are used as the
denominator in earnings ratios, yield and rate calculations found on pages 1 and 3 of the UBPR. As an
example, the average assets used for page 1 earnings analysis in the September 30th UBPR would reflect
an average of the quarterly average assets reported in March, June and September of the current year.
The second type of average is a cumulative or year-to-date average of end-of-period balances reported
on Call Report Schedules RC, RC-B, RC-C and RC-E from the beginning of the year forward. To provide an
accurate average, the asset or liability balance at the prior year-end is also included. Averages calculated
in this manner are used to determine the percentage composition of assets and liabilities on page 6 as
well as selected ratios on page 7.
For example, the September 30th year-to-date average total loans is composed of the spot balances for
total loans from Call Report Schedule RC-C for the prior December, and current March, June and
September divided by 4.
The final type of average uses one quarter average data from Call Report Schedule RC-K. These averages
are as the denominator in the one-quarter annualized-income-analysis on page 12.
Thus, average assets used in the September 30 UBPR analysis of net income on page 12 would include
the quarterly average assets from schedule RC-K for September. That average is divided into the
annualized one quarter income or expense item.
Annualization of Ratios Using Interim-Period Report-of-Income-Data
The dollar amounts displayed for most income and expense items in the UBPR are shown for the yearto-date period. However, to allow comparison of ratios between quarters, income and expense and
related data used in ratios on pages 1, 3 and 7 and 11 are annualized for interim reporting periods. Thus,
the income or expense item is multiplied by the indicated factor listed below before dividing it by the
corresponding asset or liability. All income and expense ratios on page 12 are computed from income or
expense data for one quarter and are annualized by a factor of 4.
UBPR User’s Guide – Technical Information
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Income and expense information reported on the December 31 Call Report is not annualized. Since the
year-end UBPR represents a full fiscal year, that data does not have to be annualized. The UBPR
annualization factors are:
March
June
September
4.0
2.0
1.3333
Special Annualization for DeNovo Banks and Banks Reporting Pushdown
Accounting
The annualization algorithm reflects the actual number of days a DeNovo bank has been open in its first
year of operation or the number of days that have elapsed since a push down transaction was reported.
The algorithm divides the number of days in the year by the number of days a DeNovo Bank has been
open or the number of days since a push down transaction was reported. For affected banks the revised
annualization factor will replace the standard annualization factor in the effected year.
Missing Data or Extreme Ratio Values
When data is missing from an individual calculation the UBPR will display NA.
When a ratio exceeds 999 or is less than -999 then + ## or - ## will be displayed respectively.
If there is an insufficient number of banks (observations) to permit calculation of a valid average ratio
for peer group analysis, NA will appear.
Subchapter S Adjustments
For banks that elect Subchapter S status for income taxes, the UBPR adjusts after tax earnings used in
Net Income as % of Average Assets (ROA). This adjustment is performed to improve the comparability of
income between banks that are taxed at the corporation level (non S Corp. banks) and those that have
shifted income taxation to the shareholder level (S Corp. Banks). Dollar data displayed in the UBPR is not
adjusted. In essence an estimated tax is substituted for any reported taxes then deducted from income.
After tax earnings are adjusted as follows:
Estimated income taxes: Federal income tax rates are applied to net income before extraordinary items
and taxes plus non-deductible interest expense to carry tax-exempt securities less tax-exempt income
from securities issued by states and political subdivisions, less tax-exempt income from leases, less taxexempt income from other obligations of states and political subdivisions.
Net Income adjusted for Subchapter S: Net Income plus applicable income taxes less estimated income
taxes.
UBPR User’s Guide – Technical Information
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Net Interest Income (TE):
Avg Assets
Net Income:Avg Assets
Fiduciary Activities (inc)
Deposit Service Charges
Noninterest Income:
Avg Assets
Net from Trading Fees &
Comms (if available)
Foreign Exchange Trading
(if available)
Average Assets per
employee-$MM
Other Non-Interest Income
Personnel Expense:
Avg Assets
Non-interest expense:
Avg Assets
Provision for loan & lease
losses: Avg Assets
Average Personnel Exp
per equiv Emp-$M
Occupancy Expense:
Avg Assets
Realized G/L
HTM Securities
Premises, fixed assets:
Avg Assets
Avg Assets per domesic
office
Other operating expenses:
Avg Assets
Effiency Ratio
Realized G/L
AFS Securities
Net Extraordinary Items:
Avg Assets
Applicable Income Tax:
Avg Assets
Total Loans & Leases
(Yield On)
Real Estate Loans
(yield on)
Real Estate Loans
Avg Gross Lns & Leases
Interest Income (TE):
Avg Earning Assets
Interest Income (TE):
Avg Assets
Other Interest Income
US Treasury & agency
Securities
Commercial & Industria
Loans (yield on)
Commercial & Industrial
Avg Gross Lns & Leases
Investment Securities
(Yield On)
Mortgage backed securities
(yield on)
Loans to Individuals
(yield on)
Loans to Individuals
Avg Gross Lns & Leases
Interest Bearing Bank
Balances (Yield On)
All other securities
(yield on)
Agriculture Loans
(yield on)
Agriculture Loans:
Avg Gross Lns & Leases
Average Earning Assets
Avg Assets
Net Loans and Leases
Avg Assets
Debt Securities:
Avg Assets
Interest-Bearing Bank
Balances: Avg Assets
Federal Funds Sold
Avg Assets
Trading Acct Securities:
Avg Assets
Equity Securities:
Avg Assets
Federal Funds Sold
(Yield On)
Interest Expense
Avg Assets
Page 2
Transactions Accounts
(cost of)
All other time deposits
(cost of)
Other savings & deposits
(cost of)
Foreign Office Deposits
(cost of)
Total Interest Bearing
Deposits (cost of)
Interest Expense
Avg Earning Assets
Time deps over $100M
(cost of)
Federal Funds Purchased
& Repos (cost of)
Other Borrowings (+ note
option) (cost of)
Subord Notes &
Debentures (cost of)
Interest-Bearing Funds
Avg Assets
Page 3
Interest-bearing transaction
accts:avg assets
Foreign office deposits
avg assets
Interest-bearing non-trans
accts:avg assets
Other borrowings:
avg assets
Federal funds & repos
avg assets
Subord notes & debentures
avg assets
BANK ONE
FDIC Certificate # 111
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 11111
County: ONE
BANK ONE
ONE, GA
December 31, 2012 Uniform Bank Performance Report
Information
Introduction
This uniform bank performance report covers the operations of a bank and that of a
comparable group of peer banks. It is provided as a bank management tool by the Federal
Financial Institutions Examination Council. Detailed information
concerning the content of this report is provided in the Users Guide for the Uniform
Bank Performance Report found online at www.ffiec.gov.
This report has been produced for the use of the federal regulators of financial
institutions in carrying out their supervisory responsibilities. All information contained herein
was obtained from sources deemed reliable however no guarantee is given as to
the accuracy of the data. The information contained in this report are not to be construed
as a rating or other evaluation of a financial institution by a federal banking regulator.
The quarterly report of condition and income is the principal source of information
for this report. Please refer to that document for additional financial information and
an explanation of the accounting standards that underlie data shown herein.
For questions regarding content of reports contact:
1-888-237-3111 or email: cdr.help@ffiec.gov
Financial Institution Address:
BANK ONE
300 SOUTH ONE STREET
ONE
GA
11111The Current Federal Regulator is:
Federal Deposit Insurance Corporation
The bank was established on: 1/15/1910
The current peer group for this bank is: 3
Insured commercial banks having assets between $300 million and $1 billion
FootNotes:
Financial data in the Uniform Bank Performance Report may have been adjusted
as a result of information shown in footnotes below. Please refer to the
Uniform Bank Performance Report Users Guide online for details.
Table of Contents
Table of Contents
Section
Cover Page
Summary Ratios--Page 1
Income Statement $--Page 2
Noninterest Income, Expenses and Yields--Page 3
Balance Sheet $--Page 4
Off Balance Sheet Items--Page 5
Derivative Instruments--Page 5A
Derivative Analysis--Page 5B
Balance Sheet Percentage Composition--Page 6
Analysis of Credit Allowance and Loan Mix--Page 7
Analysis of Credit Allowance and Loan Mix--Page 7A
Analysis of Concentrations of Credit--Page 7B
Analysis of Past Due, Nonaccrual & Restructured--Page 8
Analysis of Past Due, Nonaccrual & Restructured--Page 8A
Interest Rate Risk Analysis as a Percent of Assets--Page 9
Liquidity & Funding--Page 10
Liquidity & Investment Portfolio--Page 10A
Capital Analysis--Page 11
Capital Analysis--Page 11A
One Quarter Annualized Income Analysis--Page 12
Securitization & Asset Sale Activities--Page 13
Securitization & Asset Sale Activities--Page 13A
Securitization & Asset Sale Activities--Page 13B
Fiduciary & Related Services--Page 14
Fiduciary & Related Services--Page 14A
Bank Holding Company Information:
FRB District / ID_RSSD 6 / 1111111
ONE BANCSHARES, INC
ONE, GA
FDIC Certificate # 111
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 11111
County: ONE
BANK ONE
Summary Ratios--Page 1
ONE, GA
Summary Ratios
BANK
12/31/2012
PG 3
PCT
BANK
12/31/2011
PG 3
PCT
BANK
12/31/2010
PG 3
PCT
BANK
12/31/2009
PG 3
PCT
BANK
12/31/2008
PG 3
PCT
3.65
1.10
2.55
0.94
4.00
0.87
-1.37
0.07
-1.30
-1.30
-1.97
0.00
-1.30
-1.30
4.23
0.66
3.56
0.78
2.93
0.30
1.16
0.07
1.25
0.92
0.90
0.00
0.83
0.92
15
91
3
67
89
90
3
65
3
2
2
98
2
2
3.83
1.21
2.62
1.43
3.56
2.05
-1.56
0.23
-1.34
-1.36
-2.14
0.00
-1.36
-1.36
4.50
0.90
3.60
0.71
2.93
0.53
0.89
0.05
0.95
0.67
0.68
0.00
0.60
0.67
11
81
4
89
80
94
6
91
7
7
4
98
7
7
4.63
1.51
3.12
1.61
4.73
4.99
-4.98
0.39
-4.59
-4.31
-2.29
0.00
-4.31
-4.31
4.78
1.22
3.56
0.72
2.94
0.80
0.59
0.05
0.65
0.44
0.56
0.00
0.38
0.44
38
74
22
91
95
98
1
96
1
1
6
98
1
1
5.40
1.89
3.51
1.86
3.75
1.11
0.52
0.13
0.64
0.47
0.80
0.00
0.47
0.47
5.13
1.68
3.45
0.74
2.97
1.12
0.15
0.04
0.18
0.10
0.41
0.00
0.05
0.10
69
64
52
93
84
61
48
79
50
51
53
98
52
51
6.42
2.27
4.15
2.43
4.62
0.48
1.48
0.02
1.50
0.99
1.21
N/A
0.99
0.99
5.90
2.36
3.55
0.77
2.91
0.62
0.87
-0.04
0.74
0.53
0.78
0.00
0.47
0.53
86
42
82
96
93
55
69
75
71
68
72
N/A
73
67
Margin Analysis:
Avg Earning Assets to Avg Assets
Avg Int-Bearing Funds to Avg Assets
Int Inc (TE) to Avg Earn Assets
Int Expense to Avg Earn Assets
Net Int Inc-TE to Avg Earn Assets
91.77
83.13
3.98
1.20
2.78
93.26
78.23
4.55
0.71
3.83
28
69
17
92
4
92.92
84.41
4.12
1.30
2.82
93.16
79.79
4.85
0.96
3.88
43
71
10
81
4
90.77
81.28
5.10
1.66
3.44
93.08
81.05
5.15
1.31
3.84
21
47
45
78
26
92.19
79.87
5.86
2.05
3.81
93.59
81.67
5.50
1.80
3.70
29
36
74
66
54
89.50
79.62
7.17
2.53
4.64
93.86
80.74
6.30
2.52
3.79
7
38
93
50
88
Loan & Lease Analysis:
Net Loss to Average Total LN&LS
Earnings Coverage of Net Losses (X)
LN&LS Allowance to LN&LS Not HFS
LN&LS Allowance to Net Losses (X)
LN&LS Allowance to Total LN&LS
Total LN&LS-90+ Days Past Due
-Nonaccrual
-Total
2.48
-0.32
4.13
1.44
4.13
0.01
10.83
10.85
0.51
11.79
1.77
7.41
1.74
0.07
1.91
2.06
95
3
96
13
96
53
97
97
4.31
0.17
4.16
0.88
4.16
0.48
14.14
14.61
0.80
7.50
1.93
4.85
1.90
0.08
2.64
2.79
98
9
94
8
94
91
97
97
4.19
0.00
4.70
1.04
4.70
0.00
9.27
9.27
1.01
5.56
1.97
3.72
1.94
0.11
3.06
3.24
95
7
95
16
95
33
90
90
1.08
2.01
1.49
1.47
1.49
0.00
0.76
0.76
1.12
4.74
1.87
3.28
1.85
0.15
2.96
3.18
62
45
38
33
39
28
20
15
0.37
7.24
1.37
4.10
1.37
0.00
0.86
0.86
0.53
9.99
1.43
5.96
1.42
0.15
1.84
2.07
53
58
54
52
55
26
37
31
Liquidity
Net Non Core Fund Dep New $250M
Net Loans & Leases to Assets
-0.43
58.57
3.45
62.30
34
36
-1.69
61.10
5.83
62.82
25
41
18.45
63.60
9.12
65.77
77
40
41.34
70.33
26.41
68.15
84
53
38.96
69.35
31.66
71.43
68
38
Capitalization
Tier One Leverage Capital
Cash Dividends to Net Income
Retained Earnings to Avg Total Equity
Rest+Nonac+RE Acq to Eqcap+ALLL
2.84
0.00
-36.42
264.63
9.67
32.27
4.49
23.05
0
31
1
98
3.32
0.00
-29.85
207.59
9.40
28.25
2.74
31.13
1
37
4
96
4.29
0.00
-56.44
110.68
9.02
26.27
0.71
35.71
2
42
3
91
7.45
0.00
5.17
10.79
8.66
30.16
-3.13
34.15
22
45
75
26
7.23
14.56
8.91
9.21
8.75
45.37
0.24
18.71
14
33
89
39
Growth Rates
Total Assets
Tier One Capital
Net Loans & Leases
Short Term Investments
Short Term Non Core Funding
-19.40
-31.79
-22.74
-33.50
3.35
5.13
6.44
3.64
33.76
-2.29
0
1
1
16
60
-9.87
-27.69
-13.42
19.48
-76.23
4.09
5.82
-0.56
36.82
-48.46
6
3
10
51
13
-2.25
-42.85
-11.61
245.10
29.63
1.78
3.67
-1.99
58.11
-11.91
29
2
14
87
93
27.72
36.46
29.54
59.58
53.24
4.62
4.57
-0.10
232.34
-2.97
95
95
96
47
93
21.37
11.09
23.77
-7.51
50.78
8.75
5.18
9.14
35.08
21.85
86
75
87
53
77
Earnings and Profitability
Percent of Average Assets:
Interest Income (TE)
- Interest Expense
Net Interest Income (TE)
+ Noninterest Income
- Noninterest Expense
- Provision: Loan & Lease Losses
Pretax Operating Income (TE)
+ Realized Gains/Losses Sec
Pretax Net Operating Income (TE)
Net Operating Income
Adjusted Net Operating Income
Net Inc Attrib to Min Ints
Net Income Adjusted Sub S
Net Income
Average Total Assets
Total Equity Capital
Net Income
Number of banks in Peer Group
790,337
22,820
-10,257
915,504
33,083
-12,434
975,304
45,017
-42,036
912,996
88,618
4,296
690,864
68,689
6,869
1,200
1,170
1,166
1,198
1,191
FDIC Certificate # 111
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 11111
County: ONE
BANK ONE
Income Statement $--Page 2
ONE, GA
Income Statement $
12/31/2012
26,727
0
306
0
26,727
12/31/2011
31,332
0
425
0
31,332
12/31/2010
40,250
0
303
0
40,250
12/31/2009
41,768
0
404
208
41,976
12/31/2008
37,600
0
606
312
37,912
Percent Change
1 Year
##########
N/A
##########
N/A
##########
US Treas & Agency (Excl MBS)
Mortgage Backed Securities
Estimated Tax Benefit
All Other Securities
Tax-Exempt Securities Income
Investment Interest Income (TE)
33
1,432
0
279
12
1,744
489
2,521
0
417
417
3,427
756
3,351
0
703
703
4,810
632
5,614
343
666
666
7,255
596
5,125
133
259
259
6,113
-93.25
-43.2
N/A
-33.09
-97.12
-49.11
Interest on Due From Banks
Int on Fed Funds Sold & Resales
Trading Account Income
Other Interest Income
327
0
0
46
241
1
0
26
29
70
0
11
3
55
0
10
3
185
0
116
35.68
-100
N/A
76.92
28,844
35,027
45,170
49,299
44,329
-17.65
N/A
3,094
4,637
0
952
0
N/A
3,656
5,850
0
1,571
0
N/A
3,823
8,874
313
1,701
0
N/A
4,269
10,440
829
1,701
0
N/A
3,320
10,654
313
1,361
0
N/A
-15.37
-20.74
N/A
-39.4
N/A
8,683
11,077
14,711
17,239
15,648
-21.61
20,161
7,468
27,629
23,950
13,059
37,009
30,459
15,715
46,174
32,060
17,006
49,066
28,681
16,788
45,469
-15.82
-42.81
-25.35
Non-Interest Expense
Provision: Loan & Lease Losses
Pretax Operating Income (TE)
31,588
6,850
-10,809
32,549
18,770
-14,310
46,157
48,620
-48,603
34,233
10,103
4,730
31,907
3,310
10,252
-2.95
-63.51
24.47
Realized G/L Hld-to-Maturity Sec
Realized G/L Avail-for Sale Sec
Pretax Net Operating Inc (TE)
0
552
-10,257
0
2,072
-12,238
0
3,799
-44,804
0
1,155
5,885
0
142
10,394
N/A
-73.36
16.19
0
0
0
0
196
0
0
196
-2,768
0
0
-2,768
1,038
551
0
1,589
3,080
445
0
3,525
-100
N/A
N/A
-100
-10,257
-12,434
-42,036
4,296
6,869
17.51
Net Extraordinary Items
Net Inc Noncontrolling Minority Interests
Net Income
0
0
-10,257
0
0
-12,434
0
0
-42,036
0
0
4,296
0
N/A
6,869
N/A
N/A
17.51
Cash Dividends Declared
Retained Earnings
Memo: Net International Income
0
-10,257
N/A
0
-12,434
N/A
0
-42,036
N/A
0
4,296
N/A
1,000
5,869
N/A
N/A
17.51
N/A
Interest and Fees on Loans
Income From Lease Financing
Tax-Exempt
Estimated Tax Benefit
Income on Loans & Leases (TE)
Total Interest Income (TE)
Int on Deposits in Foreign Off
Interest on Time Dep Over $100M
Interest on All Other Deposits
Int on Fed Funds Purch & Repos
Int Trad Liab & Oth Borrowings
Int on Sub Notes & Debentures
Total Interest Expense
Net Interest Income (TE)
Non-interest Income
Adjusted Operating Income (TE)
Applicable Income Taxes
Current Tax Equiv Adjustment
Other Tax Equiv Adjustments
Applicable Income Taxes (TE)
Net Operating Income
FDIC Certificate # 111
OCC Charter # 0
Public Report
Percent of Average Assets
Personnel Expense
Occupancy Expense
Other Oper Exp (Incl Intangibles)
Total Overhead Expense
Overhead Less Nonint Inc
Other Income & Expense Ratios:
Efficiency Ratio
Avg Personnel Exp Per Empl($000)
Assets Per Employee ($Million)
Yield on or Cost of:
Total Loan & Leases (TE)
Loans in Domestic Offices
Real Estate
Secured by 1-4 Fam Resi Prop
All Other Loans Sec Real Estate
Commercial & Industrial
Individual
Credit Card
Agricultural
Loans in Foreign Offices
Total Investment Securities (TE)
Total Investment Securities (Book)
US Treas & Agency (Excl MBS)
Mortgage Backed Securities
All Other Securities
Interest-Bearing Bank Balances
Federal Funds Sold & Resales
Total Interest Bearing Deposits
Transaction accounts
Other Savings Deposits
Time Deps Over $100M
All Other Time Deposits
Foreign Office Deposits
Federal Funds Purchased & Repos
Other Borrowed Money
Subord Notes & Debentures
All Interest-Bearing Funds
Non-interest Income & Expenses
Fiduciary Activities
Deposit Service Charges
Trading, Vent Cap, Securtz Inc
Inv Banking, Advisory Inc
Insurance Comm & Fees
Net Servicing Fees
Loan & Lse Net Gains/Loss
Other Net Gains/Losses
Other Non-interest Income
Non-interest Income
Personnel Expense
Occupancy Expense
Goodwill Impairment
Other Intangible Amortiz
Other Oper Exp(incl Intangibles)
Non-Interest Expense
Domestic Banking Offices(#)
Foreign Branches (#)
Assets Per Domestic Office
FRB District/ID_RSSD 6 / 11111
County: ONE
BANK ONE
Noninterest Income, Expenses and Yields--Page 3
ONE, GA
Non Int Inc, Exp, Yields
BANK
1.52
0.59
1.89
4.00
3.05
12/31/2012
PG 3
1.56
0.36
0.99
2.93
2.09
PCT
49
91
94
89
91
BANK
1.46
0.56
1.54
3.56
2.13
12/31/2011
PG 3
1.50
0.37
1.04
2.93
2.19
PCT
47
88
88
80
47
BANK
1.74
0.56
2.43
4.73
3.12
12/31/2010
PG 3
1.47
0.38
1.06
2.94
2.17
PCT
75
86
96
95
91
BANK
2.00
0.59
1.16
3.75
1.89
12/31/2009
PG 3
1.45
0.39
1.09
2.97
2.18
PCT
87
88
64
84
33
BANK
2.57
0.70
1.35
4.62
2.19
12/31/2008
PG 3
1.53
0.40
0.93
2.91
2.06
PCT
96
93
86
93
60
114.33
54.52
3.17
66.82
68.31
4.71
97
18
13
87.95
40.35
2.61
67.91
65.25
4.62
87
0
3
99.96
47.69
2.70
68.42
63.41
4.54
92
9
6
69.77
49.91
2.68
71.47
62.11
4.60
54
16
6
70.17
49.09
2.12
66.05
60.94
4.39
64
17
1
5.43
5.43
5.26
7.19
4.51
6.08
10.03
8.25
5.54
N/A
1.98
1.98
1.68
1.86
3.14
0.23
N/A
1.22
0.16
0.38
1.48
1.87
N/A
5.64
5.62
5.58
5.55
5.61
5.75
7.26
9.12
5.81
4.24
2.71
2.38
1.74
2.34
3.27
0.30
0.17
0.76
0.31
0.36
1.26
1.28
0.25
37
38
28
92
4
69
89
45
41
N/A
20
27
49
29
41
29
N/A
91
31
57
71
88
N/A
5.21
5.21
4.95
6.87
4.17
6.28
10.60
8.20
0.55
N/A
2.51
2.51
1.59
2.62
4.40
0.22
0.27
1.29
0.26
0.41
1.60
2.05
N/A
5.84
5.82
5.76
5.76
5.78
5.93
7.50
9.70
6.03
4.62
3.19
2.87
2.10
3.10
3.65
0.33
0.18
1.03
0.41
0.50
1.57
1.63
0.23
11
12
6
88
1
68
91
42
0
N/A
22
30
31
30
82
27
79
75
40
42
55
79
N/A
5.83
5.83
5.58
6.62
5.09
7.25
11.58
8.20
1.08
N/A
3.39
3.39
3.91
3.26
3.57
0.14
0.23
1.71
0.47
0.77
2.01
2.63
N/A
5.97
5.95
5.88
5.93
5.86
6.06
7.63
9.01
6.20
6.10
3.68
3.34
2.58
3.76
3.86
0.39
0.21
1.40
0.54
0.70
2.00
2.09
0.51
39
41
27
77
11
85
94
46
0
N/A
38
51
86
30
32
18
60
75
54
60
53
85
N/A
6.42
6.39
6.08
6.57
5.86
7.69
12.72
7.19
3.78
N/A
4.74
4.52
5.52
4.57
3.55
0.03
0.25
2.22
0.46
0.89
3.50
2.97
N/A
6.06
6.04
5.99
6.09
5.94
6.03
7.76
9.18
6.27
6.56
4.44
4.13
3.57
4.58
4.10
0.63
0.24
1.98
0.66
0.92
2.79
2.89
0.81
75
74
55
71
44
92
96
29
4
N/A
63
70
95
47
21
15
62
64
41
53
88
57
N/A
7.80
7.74
7.36
8.23
7.04
8.23
13.66
9.30
6.46
N/A
5.07
4.96
4.89
5.12
3.06
0.12
2.70
2.76
0.69
1.44
3.26
4.45
N/A
6.77
6.75
6.69
6.72
6.72
6.84
8.16
9.51
7.01
6.44
5.02
4.67
4.57
4.99
4.27
2.22
2.10
2.87
1.09
1.56
3.95
3.97
2.10
95
93
88
90
70
88
97
48
30
N/A
51
72
63
60
6
6
87
43
32
46
9
85
N/A
N/A
4.24
N/A
1.32
0.55
2.56
4.65
0.85
N/A
86
N/A
90
N/A
4.18
N/A
1.43
0.61
2.69
4.86
1.13
N/A
85
N/A
76
3.44
4.04
N/A
1.86
0.78
3.09
5.21
1.51
95
75
N/A
75
3.53
4.03
N/A
2.36
0.91
3.13
4.65
2.07
95
72
N/A
67
3.15
3.92
N/A
2.84
2.32
3.67
5.24
2.94
83
57
N/A
42
0
10,021
0
61
15
0
158
-8,499
5,712
7,468
11,995
4,660
0
818
14,115
31,588
31
0
22,494
0
10,052
0
0
14
0
244
-3,565
6,314
13,059
13,357
5,119
0
1,065
13,008
32,549
32
0
27,037
0
11,265
0
0
49
0
0
-714
5,115
15,715
16,979
5,458
10,057
1,195
12,468
46,157
32
0
29,996
0
11,688
0
0
79
0
0
-14
5,253
17,006
18,268
5,410
0
1,085
9,470
34,233
32
0
30,687
0
12,014
0
0
94
0
0
-7
4,687
16,788
17,771
4,816
0
866
8,454
31,907
30
0
25,628
FDIC Certificate # 111
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 11111
County: ONE
12/31/2012
BANK ONE
Balance Sheet $--Page 4
12/31/2011
ONE, GA
12/31/2010
Balance Sheet $
12/31/2009
12/31/2008
Percent Change
1 Quarter
1 Year
Assets:
Real Estate Loans
Commercial Loans
Individual Loans
Agricultural Loans
Other LN&LS in Domestic Offices
LN&LS in Foreign Offices
Loans Held for Sale
Loans not Held for Sale
LN&LS Allowance
Net Loans & Leases
U.S. Treasury & Agency Securities
Municipal Securities
Foreign Debt Securities
All Other Securities
Interest-Bearing Bank Balances
Federal Funds Sold & Resales
Trading Account Assets
Total Investments
Total Earning Assets
359,234
48,063
14,324
983
3,400
N/A
0
426,004
17,599
408,405
82,321
15,751
0
0
107,464
0
0
205,536
613,941
462,537
66,377
17,608
1,575
3,450
N/A
0
551,547
22,943
528,604
73,821
3,691
0
0
169,098
0
0
246,610
775,214
537,478
77,090
21,280
1,304
3,500
N/A
0
640,652
30,124
610,528
102,093
13,467
0
0
133,317
0
0
248,877
859,405
604,053
68,257
23,440
696
4,684
N/A
0
701,129
10,443
690,686
124,505
25,478
0
0
11,515
27,511
0
189,009
879,695
466,453
47,765
24,344
918
1,162
N/A
0
540,635
7,431
533,204
112,436
9,145
0
5,277
13,351
11,593
0
151,802
685,006
-8.84
-6.16
-4.67
-21.30
-1.45
N/A
N/A
-8.38
-3.96
-8.57
-4.39
0.40
N/A
N/A
-0.42
N/A
N/A
-1.99
-6.46
-22.33
-27.59
-18.65
-37.59
-1.45
N/A
N/A
-22.76
-23.29
-22.74
11.51
326.74
N/A
N/A
-36.45
N/A
N/A
-16.66
-20.80
Nonint Cash & Due From Banks
Premises, Fix Assts, Cap Leases
Other Real Estate Owned
Dir & Indir Inv RE Ventures
Inv in Unconsolidated Subs
Acceptances & Oth Assets
Total Assets
Average Assets During Quarter
15,638
23,932
20,433
0
0
23,395
697,339
716,669
17,176
25,332
21,647
0
0
25,833
865,202
897,244
17,093
27,259
16,602
0
0
39,542
959,901
961,887
18,452
27,477
5,337
0
0
51,051
982,012
980,024
19,916
23,768
2,358
0
0
37,804
768,852
743,089
-0.49
-1.21
-12.15
N/A
N/A
4.73
-6.01
-6.67
-8.95
-5.53
-5.61
N/A
N/A
-9.44
-19.40
-20.13
Liabilities:
Demand Deposits
All Now & ATS Accounts
Money Market Deposit Accounts
Other savings Deposits
Time Deps At Or Below Insurance Limit
Less: Fully Insured Brokered Deposits
Core Deposits
Fully Insured Brokered Deposits
Time Deps Above Insurance Limit
Deposits in Foreign Offices
Total Deposits
Federal Funds Purch & Resale
Fed Home Loan Bor Mat < 1 Year
Fed Home Loan Bor Mat > 1 Year
Oth Borrowing Mat < 1 Year
Oth Borrowing Mat > 1 Year
Acceptances & Other Liabilities
Total Liabilities (Incl Mortg)
Subordinated Notes & Debentures
Total Bank Capital & Min Int
Total Liabilities & Capital
101,831
99,514
61,210
49,810
331,754
83,459
560,660
83,459
9,744
0
653,863
0
17,000
0
0
0
3,656
674,519
0
22,820
697,339
97,781
120,965
52,989
40,052
457,201
97,753
671,235
97,753
23,713
0
792,701
0
20,000
17,000
0
0
2,418
832,119
0
33,083
865,202
96,275
155,368
112,899
40,444
415,527
187,009
633,504
187,009
47,908
0
868,423
0
5,000
37,000
136
0
4,325
914,884
0
45,017
959,901
90,967
126,000
105,997
40,363
273,855
140,009
497,173
140,009
186,800
0
823,982
21,000
0
42,000
129
0
6,283
893,394
0
88,618
982,012
87,031
111,967
69,119
37,841
240,062
134,333
411,687
134,333
82,977
0
628,998
24,000
0
42,000
0
197
4,968
700,163
0
68,689
768,852
-1.71
6.78
4.69
-0.78
-10.68
-0.51
-5.45
-0.51
-49.39
N/A
-6.07
N/A
0.00
N/A
N/A
N/A
24.35
-5.80
N/A
-11.64
-6.01
4.14
-17.73
15.51
24.36
-27.44
-14.62
-16.47
-14.62
-58.91
N/A
-17.51
N/A
-15.00
-100.00
N/A
N/A
51.20
-18.94
N/A
-31.02
-19.40
4
4,251
230
97,842
83,459
5
11,599
450
77,062
97,753
9
26,327
665
114,895
187,009
8
19,932
10,714
139,269
188,720
7
18,728
1,420
125,438
134,333
-57.15
0.00
-3.66
-0.51
-63.35
-48.89
26.97
-14.62
Memoranda:
Officers, Shareholder Loans (#)
Officers, Shareholder Loans ($)
Held-to-Maturity Securities
Available-for-Sale Securities
All Brokered Deposits
FDIC Certificate # 111
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 11111
County: ONE
BANK ONE
Off Balance Sheet Items--Page 5
BANK
1.14
1.27
0.19
0.15
0.04
0.00
3.19
5.79
0.00
12/31/2012
PG 3
1.48
0.17
1.83
0.46
1.17
0.00
5.81
10.13
0.00
BANK
1.02
1.04
0.74
0.19
0.55
0.00
3.00
5.80
0.00
12/31/2011
PG 3
1.53
0.17
1.52
0.34
1.03
0.00
5.47
9.48
0.00
PCT
47
93
9
34
10
87
29
22
99
PCT
43
90
32
43
36
86
30
25
99
Standby Letters of Credit
Amount Conveyed to Others
Commercial Letters of Credit
0.60
N/A
0.00
0.32
0.00
0.01
78
N/A
87
0.72
N/A
0.00
0.35
0.00
0.01
Assets Securitized or Sold w/Rec
Amount of Recourse Exposure
0.41
0.32
0.25
0.03
85
91
0.33
0.33
Credit Derivatives Bank as Guarantor
Credit Derivatives Bank as Beneficiary
0.00
0.00
0.00
0.03
99
99
All Oth Off-Balance Sheet Items
0.00
0.08
Off-Balance Sheet Items
6.81
11.76
Outstanding (% of Total)
Home Equity (1-4 Family)
Credit Card
Commercial RE Secured by RE
1-4 Family Residential
Comml RE, Oth Const & Land
Commercial RE Not Secured by RE
All Other
Total LN&LS Commitments
Securities Underwriting
Outstanding ($000)
Home Equity (1-4 Family)
Credit Card
Commercial RE Secured by RE
1-4 Family Residential
Commercial RE, Oth Const & Land
Commercial RE Not Secured by RE
All Other
Securities Underwriting
Memo: Unused Commit w/mat GT 1 YR
ONE, GA
BANK
1.08
0.94
0.66
0.17
0.49
0.00
2.41
5.09
0.00
12/31/2010
PG 3
1.57
0.19
1.48
0.35
0.97
0.01
5.27
9.33
0.00
PCT
43
87
29
42
34
85
24
21
99
81
N/A
85
0.00
N/A
0.74
0.38
0.00
0.01
0.23
0.02
85
92
0.00
0.00
0.00
0.00
0.00
0.01
99
99
88
0.00
0.09
24
6.85
11.09
Off Balance Sheet Items
BANK
1.09
0.86
1.70
0.59
1.11
0.00
4.60
8.26
0.00
12/31/2009
PG 3
1.67
0.20
1.78
0.40
1.18
0.01
5.26
9.76
0.00
PCT
42
85
54
71
52
81
49
42
99
10
N/A
97
0.00
N/A
0.65
0.42
0.00
0.01
0.22
0.02
82
83
0.00
0.00
0.00
0.00
0.00
0.00
99
99
86
0.00
0.12
25
5.83
11.13
Percent Change
1 Quarter
1 Year
BANK
0.76
1.01
3.44
1.15
2.28
0.00
3.30
8.50
0.00
12/31/2008
PG 3
1.82
0.20
2.89
0.69
1.91
0.02
5.81
11.74
0.00
PCT
32
88
65
75
62
80
29
29
99
9
N/A
97
0.00
0.00
0.93
0.54
0.00
0.01
8
93
97
0.14
0.01
84
85
0.00
0.00
0.12
0.01
84
85
0.00
0.00
0.01
0.01
99
99
0.00
0.00
0.00
0.01
99
99
86
0.19
0.12
87
0.24
0.15
87
21
9.11
11.41
40
9.68
13.61
29
7,935
8,870
1,325
1,035
290
0
22,268
0
19,566
8,811
9,008
6,386
1,608
4,778
0
25,959
0
25,574
10,360
9,066
6,363
1,666
4,697
0
23,090
0
32,479
10,752
8,489
16,736
5,838
10,898
0
45,158
0
46,490
5,841
7,755
26,419
8,865
17,554
0
25,366
0
43,110
-0.23
-0.98
-19.65
-20.14
-17.85
N/A
-7.19
N/A
10.81
-9.94
-1.53
-79.25
-35.63
-93.93
N/A
-14.22
N/A
-23.49
Standby Letters of Credit
Amount Conveyed to Others
Commercial Letters of Credit
4,210
N/A
0
6,215
N/A
0
0
N/A
7,084
0
N/A
6,426
0
0
7,179
-5.82
N/A
N/A
-32.26
N/A
N/A
Assets Securitized or Sold w/recourse
Amount of Recourse Exposure
2,858
2,260
2,861
2,861
0
0
0
0
0
0
23.40
-2.42
-0.10
-21.01
Credit Derivatives Bank as Guarantor
Credit Derivatives Bank as Beneficiary
0
0
0
0
0
0
0
0
0
0
N/A
N/A
N/A
N/A
All Oth Off-Balance Sheet Items
0
0
0
1,868
1,868
N/A
N/A
47,466
59,240
55,963
89,429
74,428
-3.79
-19.88
Off-Balance Sheet Items
FDIC Certificate # 111
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 11111
County: ONE
12/31/2012
BANK ONE
Derivative Instruments--Page 5A
12/31/2011
ONE, GA
12/31/2010
Derivative Instruments
12/31/2009
12/31/2008
Notional Amount ($000)
Derivative Contracts
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Derivatives Position
Future and Forwards
Written Options
Exchange Traded
Over-the-Counter
Purchased Options
Exchange Traded
Over-the-Counter
Swaps
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Held-for-Trading
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
Non-Traded
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
Memo: Marked-to-Market
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Derivative Contracts (RBC Def)
One Year or Less
Over 1 Year to 5 Years
Over 5 Years
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Gross Negative Fair Value
Gross Positive Fair Value
Held-for-Trading
Non-Traded
Memo: Marked-to-Market
Curr Credit Exp on RBC Derivatives Contr
Credit Losses Off_BS Derivatives
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Past Due Derivatives Instruments:
Fair Value Carried as Assets
0
0
0
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Impact Nontraded Derivatives Contracts:
Increase (Decr) in Interest Inc
Increase (Decr) in Interest Exp
Increase (Decr) in Nonint ALLOC
Increase (Decr) in Net Income
FDIC Certificate # 111
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 11111
County: ONE
BANK ONE
Derivative Analysis--Page 5B
ONE, GA
Derivative Analysis
BANK
N/A
N/A
N/A
12/31/2012
PG 3
98.60
0.80
0.60
PCT
N/A
N/A
N/A
BANK
N/A
N/A
N/A
12/31/2011
PG 3
98.33
0.84
0.83
PCT
N/A
N/A
N/A
BANK
N/A
N/A
N/A
12/31/2010
PG 3
97.18
0.64
2.18
PCT
N/A
N/A
N/A
BANK
N/A
N/A
N/A
12/31/2009
PG 3
97.91
1.52
0.00
PCT
N/A
N/A
N/A
BANK
N/A
N/A
N/A
12/31/2008
PG 3
82.28
0.66
0.12
PCT
N/A
N/A
N/A
Derivatives Position
Futures and Forwards
Written Options
Exchange Traded
Over-the-Counter
Purchased Options
Exchange Traded
Over-the-Counter
Swaps
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
24.35
23.47
0.00
23.47
0.02
0.37
0.00
7.14
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
23.10
22.58
0.39
22.36
0.16
0.75
0.00
6.23
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
23.62
23.49
0.29
23.40
0.28
0.59
0.07
6.63
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
23.88
23.72
0.61
23.54
0.59
1.18
0.12
5.71
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
19.76
25.58
0.57
25.40
1.88
0.58
0.82
7.83
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Held-for-Trading
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
Non-Traded
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
Memo: Marked-to-Market
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
2.68
2.68
0.00
0.00
7.20
9.08
0.80
0.60
7.20
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
1.66
1.66
0.00
0.00
6.27
11.12
0.84
0.83
6.27
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
1.24
1.24
0.00
0.00
6.40
15.63
0.64
2.18
6.40
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
1.17
1.16
0.30
0.00
4.79
18.18
1.21
0.00
4.79
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
1.21
1.21
0.29
0.00
9.52
18.91
0.37
0.12
9.52
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Derivative Contracts (RBC Def)
One Year or Less
Over 1 Year to 5 Years
Over 5 Years
N/A
N/A
N/A
N/A
36.43
22.87
5.37
7.21
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
37.37
23.55
7.09
5.34
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
36.19
23.41
6.07
5.67
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
35.58
24.47
5.16
4.85
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
34.36
20.67
7.52
5.19
N/A
N/A
N/A
N/A
Gross Negative Fair Value
Gross Positive Fair Value
N/A
N/A
0.58
0.68
N/A
N/A
N/A
N/A
0.72
0.63
N/A
N/A
N/A
N/A
0.60
0.58
N/A
N/A
N/A
N/A
0.59
0.57
N/A
N/A
N/A
N/A
0.86
0.74
N/A
N/A
By Tier One Capital:
Gross Negative Fair Value (x)
Gross Positive Fair Value (x)
Held-for-Trading (x)
Non-Traded (x)
Non-Traded Marked-to-Mkt(x)
Current Credit Exposure (x)
Credit Losses on Derivatives
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.03
0.05
0.05
0.00
0.00
85
82
95
71
71
91
99
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.02
0.04
0.04
0.00
0.00
87
83
96
71
71
92
99
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.02
0.04
0.04
0.00
0.00
86
83
97
73
73
92
99
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.02
0.02
0.02
0.00
0.00
87
85
97
74
74
93
99
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.01
0.04
0.04
0.00
0.00
85
84
97
73
73
91
99
Past Due Derivative Instruments:
Fair Value Carried as Assets
0.00
0.00
99
0.00
0.00
99
0.00
0.00
99
0.00
0.00
99
0.00
0.00
99
0.00
0.00
0.00
0.00
91
99
0.00
0.00
0.00
0.00
91
99
0.00
0.00
0.00
0.00
92
99
0.00
0.00
0.00
0.00
92
99
0.00
0.00
0.00
0.02
91
99
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
Percent of Notional Amounts
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
Other Ratios:
Cur Credit Exposure/Risk WT AST
Credit Losses on Derivatives/CR Allow
Impact Nontraded Derivatives Contracts:
Incr(Dec) Interest Inc/Net Inc
Incr(Dec) Interest Exp/Net Inc
Incr(Dec) Nonint ALLOC/Net Inc
Incr(Dec) Net Income/Net Inc
FDIC Certificate # 111
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 11111
County: ONE
BANK ONE
Balance Sheet Percentage Composition--Page 6
ONE, GA
Balance Sheet %
Percent of Average Assets
Loans Held For Sale
Loans Not Held For Sale
Less: LN&LS Allowance
Net Loans & Leases
BANK
0.00
61.67
2.53
59.14
12/31/2012
PG 3
0.28
62.78
1.12
62.60
PCT
42
43
95
37
BANK
0.00
65.30
2.78
62.52
12/31/2011
PG 3
0.19
64.47
1.22
63.82
PCT
43
50
95
43
BANK
0.00
70.66
1.84
68.82
12/31/2010
PG 3
0.21
67.52
1.24
66.81
PCT
44
56
83
53
BANK
0.00
70.73
0.95
69.78
12/31/2009
PG 3
0.18
70.54
1.13
69.85
PCT
48
46
42
45
BANK
0.00
69.54
0.95
68.59
12/31/2008
PG 3
0.12
72.22
0.92
71.59
PCT
51
37
58
36
Interest-Bearing Bank Balances
Federal Funds Sold & Resales
Trading Account Assets
Held-to-Maturity Securities
Available-for-Sale Securities
18.65
0.00
0.00
0.05
11.10
5.64
0.52
0.01
0.68
19.93
95
45
96
64
28
15.03
0.00
0.00
0.06
12.14
5.13
0.68
0.01
0.71
18.88
93
39
97
65
33
4.76
1.14
0.00
0.57
13.78
4.27
0.87
0.02
0.78
16.56
61
68
97
73
46
1.18
2.56
0.00
0.42
15.90
2.35
1.19
0.04
1.09
15.23
45
79
97
67
57
0.41
1.40
0.00
0.29
17.27
0.59
1.46
0.09
1.16
14.83
61
58
95
65
64
88.94
92.00
14
89.76
91.72
22
89.08
91.63
17
89.83
91.87
22
87.96
91.87
9
2.02
3.10
2.90
0.00
0.00
3.05
11.06
100.00
1.96
1.74
0.70
0.01
0.00
3.12
8.00
100.00
58
88
92
95
86
48
85
99
1.76
2.87
2.10
0.00
0.00
3.51
10.24
100.00
1.82
1.78
0.82
0.01
0.00
3.31
8.28
100.00
54
83
85
95
86
57
77
99
1.87
2.85
1.02
0.00
0.00
5.17
10.92
100.00
1.78
1.82
0.76
0.01
0.00
3.49
8.37
100.00
61
81
68
95
86
84
82
99
1.97
2.82
0.41
0.00
0.00
4.97
10.17
100.00
2.03
1.88
0.52
0.00
0.00
3.26
8.13
100.00
54
79
54
91
86
85
77
99
3.67
2.97
0.15
0.00
0.00
5.25
12.04
100.00
2.37
1.92
0.24
0.00
0.00
3.25
8.13
100.00
89
81
52
91
88
87
90
99
0.63
0.34
79
0.41
0.37
62
0.00
0.41
8
0.00
0.47
7
0.00
0.59
7
13.18
12.87
7.59
6.15
50.77
11.31
79.25
11.31
2.40
0.00
92.96
9.19
6.23
18.36
15.35
26.10
1.89
76.88
1.89
4.42
0.07
84.43
74
84
19
32
96
92
57
92
26
99
99
10.61
14.66
9.74
4.49
48.00
14.90
72.59
14.90
3.45
0.00
90.95
7.94
5.64
17.73
14.20
29.04
2.44
75.37
2.44
4.80
0.10
83.91
72
91
28
26
92
94
33
94
39
98
95
9.77
13.74
11.67
4.33
39.35
18.06
60.80
18.06
7.61
0.00
86.46
6.86
5.03
16.37
13.05
29.83
3.20
70.80
3.20
7.60
0.11
83.10
74
92
38
28
79
93
16
93
56
98
70
10.43
12.76
9.98
4.36
30.67
17.20
51.01
17.20
14.54
0.00
82.74
6.33
4.48
15.58
11.92
22.28
3.98
59.05
3.98
16.98
0.11
81.89
82
92
35
29
81
90
25
90
39
98
51
13.95
14.44
11.66
5.72
26.67
11.70
60.75
11.70
11.52
0.00
83.96
6.46
3.97
15.59
11.53
22.56
3.84
58.65
3.84
15.79
0.21
80.38
92
97
43
40
67
84
52
84
29
98
67
0.00
3.14
0.00
7.07
1.08
2.53
0.01
7.13
41
62
80
55
0.00
4.15
0.01
11.16
1.27
3.04
0.03
9.57
38
65
70
66
0.87
4.35
0.01
24.62
1.35
3.88
0.07
17.57
56
57
67
80
2.49
4.59
0.41
17.00
1.52
4.93
0.14
20.53
72
49
85
38
1.37
4.41
0.03
13.36
1.95
5.71
0.11
20.36
51
43
66
20
0.36
96.46
0.63
89.65
26
99
0.35
95.45
0.63
89.96
22
97
0.60
92.29
0.64
90.27
51
88
0.69
90.93
0.69
90.62
55
50
0.81
90.58
0.74
90.45
63
44
0.00
3.54
100.00
0.03
10.32
100.00
96
0
96
0.00
4.55
100.00
0.05
9.99
100.00
95
2
97
0.00
7.71
100.00
0.00
9.68
100.00
94
12
96
0.00
9.08
100.00
0.00
9.32
100.00
94
50
96
0.00
9.42
100.00
0.00
9.49
100.00
93
56
97
11.31
11.31
2.05
1.89
92
92
14.90
14.90
2.64
2.44
93
94
19.07
15.80
3.68
3.36
93
91
20.19
17.20
4.97
3.98
91
90
12.62
11.70
4.20
3.84
84
84
0.00
0.45
42
0.00
0.30
43
0.00
0.31
44
0.00
0.26
48
0.00
0.17
50
Total Earning Assets
Nonint Cash & Due From Banks
Premises, Fix Assts & Cap Leases
Other Real Estate Owned
Dir & Indir Inv RE Ventures
Inv in Unconsolidated Subs
Acceptances & Other Assets
Total Non-Earning Assets
Total Assets
Standby Letters of Credit
Liabilities
Demand Deposits
All NOW & ATS Accounts
Money Market Deposit Accounts
Other Savings Deposits
Time Deps At or Below Insurance Limit
Less: Fully Insured Brokered Deposits
Core Deposits
Fully Insured Brokered Deposits
Time Deps Above Insurance Limit
Deposits in Foreign Offices
Total Deposits
Federal Funds Purch & Repos
Total Fed Home Loan Borrowings
Total Other Borrowings
Memo: Sht Ter N Core Funding
Acceptances & Other Liabilities
Total Liabilities (Incl Mortg)
Subordinated Notes & Debentures
Total Bank Capital & Min Int
Total Liabilities & Capital
Memo: All Brokered Deposits
Insured Brokered Deposits
Loans HFS as a % Loans
FDIC Certificate # 111
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 11111
County: ONE
BANK ONE
Analysis of Credit Allowance and Loan Mix--Page 7
ONE, GA
Allowance & Loan Mix-a
BANK
0.87
6.30
12/31/2012
PG 3
0.30
16.10
PCT
90
31
BANK
2.05
4.29
12/31/2011
PG 3
0.53
12.60
PCT
94
27
BANK
4.99
13.99
12/31/2010
PG 3
0.80
10.79
PCT
98
71
BANK
1.11
48.89
12/31/2009
PG 3
1.12
17.41
PCT
61
90
BANK
0.48
52.52
12/31/2008
PG 3
0.62
30.09
PCT
55
81
Net Loss to Average Total LN&LS
Gross Loss to Average Total LN&LS
Recoveries to Average Total LN&LS
2.48
2.83
0.35
0.51
0.62
0.09
95
95
93
4.31
4.53
0.22
0.80
0.91
0.09
98
97
86
4.19
4.38
0.18
1.01
1.11
0.08
95
95
85
1.08
1.38
0.30
1.12
1.20
0.06
62
68
94
0.37
0.82
0.45
0.53
0.58
0.05
53
73
98
LN&LS Allowance to LN&LS Not HFS
LN&LS Allowance to Total LN&LS
LN&LS Allowance to Net Losses (X)
LN&LS Allowance to Nonaccrual LN&LS (X)
4.13
4.13
1.44
0.38
1.77
1.74
7.41
1.76
96
96
13
8
4.16
4.16
0.88
0.29
1.93
1.90
4.85
1.33
94
94
8
5
4.70
4.70
1.04
0.51
1.97
1.94
3.72
1.22
95
95
16
29
1.49
1.49
1.47
1.95
1.87
1.85
3.28
1.13
38
39
33
82
1.37
1.37
4.10
1.60
1.43
1.42
5.96
1.69
54
55
52
67
Earnings Coverage of Net Losses (X)
-0.32
11.79
3
0.17
7.50
9
0.00
5.56
7
2.01
4.74
45
7.24
9.99
58
Net Losses by Type of LN&LS
Real Estate Loans
Loans to Finance Comml Real Estate
Construction & Land Development
1-4 Family Construction
Other Construction & Land
Secured by Farmland
Single & Multifamily Mortgage
Home Equity Loans
1-4 Family Non-Revolving
Multifamily Loans
Non-Farm Non-Residential Mtg
Owner Occupied Nonfarm Nonresidential
Other Nonfarm Nonresidential
RE Loans in Foreign Offices
2.45
0.00
5.30
0.00
5.63
0.00
2.22
3.14
2.36
-0.14
1.41
1.81
0.04
N/A
0.45
0.00
1.06
0.46
1.05
0.04
0.40
0.30
0.40
0.16
0.34
0.27
0.32
0.07
95
93
90
74
90
84
95
97
95
2
90
93
55
N/A
4.33
0.00
9.56
4.39
9.82
1.06
4.24
1.49
4.91
1.54
1.59
2.05
0.25
N/A
0.74
0.03
1.99
1.36
1.92
0.05
0.61
0.45
0.63
0.32
0.47
0.37
0.48
0.00
97
92
92
85
92
94
97
85
97
87
89
93
57
N/A
4.33
0.00
10.82
15.82
10.30
0.39
2.33
0.61
2.47
2.67
1.33
1.18
1.85
N/A
0.91
0.73
2.59
1.69
2.46
0.06
0.68
0.44
0.70
0.39
0.49
0.39
0.47
-85.65
96
86
91
94
90
89
89
71
89
89
84
85
87
N/A
0.89
0.00
1.47
6.11
0.51
0.00
0.74
0.71
0.72
0.93
0.57
0.58
0.56
N/A
0.97
0.27
2.46
2.35
2.14
0.02
0.65
0.43
0.69
0.28
0.35
0.27
0.34
41.86
61
88
53
81
49
86
69
74
67
86
73
78
76
N/A
-0.01
N/A
0.05
0.00
0.06
-0.69
-0.17
0.00
-0.21
0.00
0.21
0.20
0.22
N/A
0.39
0.00
0.86
0.81
0.71
0.00
0.26
0.15
0.25
0.05
0.12
0.08
0.10
0.00
1
N/A
44
58
58
0
0
64
0
88
77
81
83
N/A
Agricultural Loans
Commercial and Industrial Loans
Lease Financing
Loans to Individuals
Credit Card Plans
0.00
2.47
N/A
5.10
3.46
0.01
0.65
0.01
0.57
1.62
85
88
N/A
96
82
0.00
4.57
N/A
6.31
6.24
0.02
0.97
0.00
0.69
2.00
82
92
N/A
96
88
0.00
3.95
N/A
4.43
3.86
0.06
1.17
0.11
0.97
2.59
78
89
N/A
94
70
0.00
1.58
N/A
2.48
5.50
0.05
1.44
0.41
1.24
3.12
78
65
N/A
82
77
0.00
1.72
N/A
1.64
4.19
0.01
0.70
0.14
0.86
2.42
85
83
N/A
81
77
All Other Loans & Leases
Loans to Foreign Governments
0.00
N/A
0.25
0.00
66
N/A
0.00
N/A
0.20
0.00
65
N/A
0.00
N/A
0.27
0.00
62
N/A
4.83
N/A
0.43
0.00
93
N/A
8.54
N/A
0.27
0.00
96
N/A
Analysis Ratios
Loss Provision to Average Assets
Recoveries to Prior Credit Loss
Change: Credit Allowance ($000)
Beginning Balance
Gross Credit Losses
Memo: Loans HFS Write-down
Recoveries
Net Credit Losses
22,943
13,911
0
1,717
12,194
30,124
27,246
0
1,295
25,951
10,443
30,203
0
1,264
28,939
7,431
9,037
0
1,946
7,091
5,933
3,980
0
2,168
1,812
Provision: Loan & Lease Losses
Other Adjustments
LN&LS Allowance
6,850
0
17,599
18,770
0
22,943
48,620
0
30,124
10,103
0
10,443
3,310
0
7,431
492,297
601,721
689,854
653,775
485,805
Average Total Loans & Leases
FDIC Certificate # 111
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 11111
County: ONE
BANK ONE
Analysis of Credit Allowance and Loan Mix--Page 7A
ONE, GA
Allowance & Loan Mix-b
Loan Mix, % Average Gross LN&LS
Construction & Development
1-4 Family Construction
Other Const & Land Development
1-4 Family Residential
Home Equity Loans
Other Real Estate Loans
Farmland
Multifamily
Non-Farm Non-Residential
Owner Occupied Non-Farm Non-Residential
Other Non-Farm Non-Residential
Total Real Estate
BANK
18.64
1.09
17.55
23.60
3.07
42.07
3.97
2.46
35.64
27.58
8.06
84.31
12/31/2012
PG 3
6.89
1.40
5.17
25.16
3.24
41.92
3.52
3.04
33.38
16.57
16.06
76.58
PCT
96
47
97
49
53
50
65
48
56
88
20
67
BANK
20.35
0.97
19.38
24.28
2.73
39.04
3.75
2.56
32.74
24.37
8.37
83.68
12/31/2011
PG 3
7.95
1.52
6.08
24.39
3.43
41.98
3.39
2.94
33.71
16.88
16.15
77.02
PCT
94
41
96
51
48
40
64
52
48
81
20
66
BANK
24.18
2.30
21.88
26.85
2.54
33.70
2.99
2.89
27.83
21.77
6.06
84.74
12/31/2010
PG 3
9.68
2.02
7.33
24.09
3.47
40.45
3.08
2.77
32.74
16.35
15.69
77.23
PCT
93
64
95
61
45
28
63
60
36
76
14
70
BANK
27.39
4.69
22.70
25.99
2.01
32.55
3.02
3.70
25.83
16.27
9.56
85.93
12/31/2009
PG 3
12.70
3.11
9.17
23.82
3.48
37.74
2.64
2.57
30.84
15.34
14.78
77.54
PCT
90
75
92
59
38
33
66
73
35
56
27
73
BANK
27.14
5.05
22.10
23.05
1.20
34.26
4.45
4.15
25.65
14.16
11.48
84.44
12/31/2008
PG 3
15.25
4.44
10.27
22.52
3.16
35.51
2.32
2.32
29.31
14.36
14.31
76.89
PCT
82
64
88
54
29
47
76
80
39
50
40
70
Financial Institution Loans
Agricultural Loans
Commercial & Industrial Loans
Loans to Individuals
Credit Card Loans
Municipal Loans
Foreign Office Loans & Leases
All Other Loans
Lease Financing Receivables
0.00
0.26
10.17
3.19
0.76
1.37
0.00
0.70
0.00
0.00
2.09
13.63
3.43
0.07
0.57
0.07
0.29
0.05
93
51
38
58
96
80
98
81
78
0.00
0.25
10.74
3.22
0.63
1.52
0.00
0.58
0.00
0.00
2.00
13.38
3.51
0.07
0.59
0.06
0.28
0.05
92
50
41
57
94
81
99
79
77
0.00
0.13
9.64
3.23
0.52
1.62
0.00
0.64
0.00
0.00
1.79
13.30
3.73
0.07
0.54
0.05
0.30
0.05
93
47
34
55
92
83
99
79
78
0.00
0.12
8.61
3.72
0.50
1.32
0.00
0.31
0.00
0.00
1.54
13.41
3.77
0.07
0.51
0.05
0.31
0.05
92
47
29
60
92
81
99
70
78
0.00
0.20
8.57
4.94
0.56
1.60
0.00
0.24
0.00
0.00
1.40
14.09
3.92
0.07
0.44
0.08
0.32
0.06
92
53
26
70
94
86
99
62
76
Supplemental:
Loans to Foreign Governments
Loans to Finance Comml Real Est
0.00
0.23
0.00
0.10
99
82
0.00
0.20
0.00
0.12
99
80
0.00
0.08
0.00
0.13
99
75
0.00
0.33
0.00
0.16
99
80
0.00
0.00
0.00
0.15
99
67
Memorandum (% of Avg Tot Loans):
Loans & Lease Commitments
Officer, Shareholder Loans
Officer, Shareholder Loans to Assets
9.03
0.95
0.61
16.65
1.67
0.96
17
43
45
8.75
2.02
1.34
15.33
1.61
1.00
20
64
66
7.35
3.96
2.74
14.34
1.60
1.06
19
86
87
11.28
2.77
2.03
14.46
1.61
1.11
37
75
76
12.31
3.53
2.44
16.71
1.68
1.19
30
81
80
Other Real Estate Owned % Assets
Construction & Land Development
Farmland
1-4 Family
Multifamily
Non-Farm Non-Residential
Foreclosed GNMA
Foreign Offices
1.75
0.01
0.77
0.00
0.36
0.00
N/A
0.28
0.00
0.11
0.01
0.21
0.00
0.00
93
87
95
77
75
99
N/A
1.17
0.00
0.51
0.00
0.41
0.00
N/A
0.35
0.00
0.14
0.01
0.23
0.00
0.00
86
83
90
74
75
99
N/A
0.32
0.00
0.29
0.00
0.42
0.00
N/A
0.33
0.00
0.13
0.01
0.18
0.00
0.00
62
81
80
73
80
99
N/A
0.11
0.00
0.16
0.00
0.15
0.00
N/A
0.24
0.00
0.10
0.01
0.10
0.00
0.00
55
87
72
80
69
99
N/A
0.03
0.00
0.04
0.00
0.07
0.00
N/A
0.09
0.00
0.05
0.00
0.04
0.00
0.00
58
91
60
86
76
99
N/A
Subtotal
Direct and Indirect Inv
Total
2.90
0.00
2.90
0.70
0.01
0.71
92
95
91
2.10
0.00
2.10
0.82
0.01
0.88
85
95
85
1.02
0.00
1.02
0.76
0.01
0.77
68
95
68
0.41
0.00
0.41
0.52
0.00
0.53
54
91
53
0.15
0.00
0.15
0.24
0.00
0.25
52
91
49
Asset Servicing % Assets
Mortgage Servicing w/ Recourse
Mortgage Servicing w/o Recourse
Other Financial Assets
Total
0.00
0.00
0.00
0.00
0.06
3.21
0.26
4.94
88
70
86
60
0.00
0.00
0.00
0.00
0.05
2.81
0.28
4.50
88
71
86
61
0.00
0.00
0.00
0.00
0.04
2.45
0.30
4.22
89
72
86
63
0.00
0.00
0.00
0.00
0.02
2.23
0.28
3.62
91
73
86
64
0.00
0.00
0.00
0.00
0.02
1.64
0.26
3.01
91
73
87
64
FDIC Certificate # 111
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 11111
County: ONE
BANK ONE
Analysis of Concentrations of Credit--Page 7B
ONE, GA
Concentrations of Credit
12/31/2012
PG 3
41.06
8.79
30.42
157.94
19.91
259.26
21.58
19.45
205.09
101.44
100.47
470.30
PCT
99
80
99
94
89
98
83
84
98
99
67
99
BANK
283.48
11.30
272.18
348.35
42.58
619.35
56.80
38.43
524.13
395.72
128.41
1,251.18
12/31/2011
PG 3
47.28
9.06
36.14
160.13
22.60
270.93
21.05
19.94
217.93
108.76
105.77
487.11
PCT
98
66
98
91
77
96
83
81
95
98
65
97
BANK
291.24
16.92
274.32
330.66
34.22
466.34
43.02
33.79
389.52
286.61
102.91
1,088.23
12/31/2010
PG 3
60.61
11.36
46.58
168.53
25.22
282.38
20.82
20.21
228.29
113.46
111.00
524.80
PCT
97
72
98
90
66
89
77
78
88
96
51
96
BANK
221.76
23.55
198.21
244.01
21.34
279.67
24.79
29.13
225.75
183.60
42.16
745.45
12/31/2009
PG 3
84.93
17.91
63.48
180.61
27.49
291.43
19.72
20.53
238.11
118.77
115.86
569.83
PCT
92
70
93
74
45
48
67
73
49
82
16
82
BANK
269.20
52.10
217.10
209.48
10.68
300.78
33.39
38.03
229.36
117.46
111.90
779.46
12/31/2008
PG 3
111.47
29.48
78.35
174.60
26.28
279.58
17.80
17.73
230.43
112.76
112.52
591.13
PCT
91
80
93
64
32
58
76
83
52
55
54
84
0.00
3.76
161.03
54.78
14.18
22.78
0.00
13.00
0.00
0.00
12.26
85.16
19.47
0.40
3.26
0.31
1.80
0.23
94
59
86
90
99
94
99
93
80
0.00
4.26
158.01
47.63
10.43
21.54
0.00
9.33
0.00
0.00
11.88
86.19
20.56
0.41
3.47
0.32
1.73
0.27
94
60
85
87
98
93
99
90
79
0.00
2.64
138.66
43.09
7.70
17.42
0.00
7.09
0.00
0.00
11.30
90.55
23.16
0.47
3.58
0.24
1.98
0.29
94
56
79
81
98
90
99
86
80
0.00
0.86
74.23
28.93
4.31
10.01
0.00
5.78
0.00
0.68
11.06
97.36
26.05
0.50
3.65
0.24
2.08
0.34
95
48
39
65
93
82
99
83
80
0.00
1.53
70.70
40.68
5.07
9.12
0.00
1.94
0.00
0.77
9.98
104.14
27.22
0.48
3.25
0.42
2.31
0.44
95
54
34
75
95
82
99
66
79
0.00
1.28
0.00
0.60
99
82
0.00
3.70
0.00
0.72
99
87
0.00
2.02
0.01
0.79
99
83
0.00
0.00
0.00
0.99
99
70
0.00
0.00
0.04
1.05
99
71
Commercial Real Estate Loans as a % of Total Capital:
Non-owner OCC Commercial Real Estate
461.16
Total Commercial Real Estate
917.78
169.04
274.35
97
98
454.00
849.72
181.87
293.70
95
97
429.96
716.57
202.85
321.04
92
95
293.05
476.65
233.72
356.34
69
76
419.13
536.60
260.09
380.15
83
79
Commercial Real Estate Loans as a % of Total LN&LS:
Construction & Development
17.86
Non-owner OCC Commercial Real Estate
28.31
Total Commercial Real Estate
56.34
6.63
27.35
44.74
96
54
73
19.00
30.43
56.95
7.33
28.33
46.32
94
57
72
22.45
33.15
55.24
8.80
29.52
47.34
93
60
66
25.63
33.87
55.09
11.33
31.41
48.39
91
57
64
29.80
46.39
59.40
14.47
33.71
49.54
88
76
69
Loan & Leases as a % of Total Capital
BANK
Construction & Development
291.03
1-4 Family Construction
17.89
Other Const & Land Development
273.14
1-4 Family Residential
394.88
Home Equity Loans
54.97
Other Real Estate Loans
687.88
Farmland
62.42
Multifamily
40.91
Non-Farm Non-Residential
584.56
Owner Occupied Non-Farm Non-Residential 456.62
Other Non-Farm Non-Residential
127.94
Total Real Estate
1,373.80
Financial Institution Loans
Agricultural Loans
Commercial & Industrial Loans
Loans to Individuals
Credit Card Loans
Municipal Loans
Foreign Office Loans & Leases
All Other Loans
Lease Financing Receivables
Supplemental:
Loans to Foreign Governments
Loans to Finance Commercial Real Estate
FDIC Certificate # 111
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 11111
County: ONE
BANK ONE
Analysis of Past Due, Nonaccrual & Restructured--Page 8
ONE, GA
PD, Nonacc & Rest Loans-a
BANK
0.02
12.09
12.11
2.00
12/31/2012
PG 3
0.06
2.13
2.28
0.87
PCT
61
97
97
84
BANK
0.54
15.05
15.59
5.41
12/31/2011
PG 3
0.08
2.95
3.10
1.00
PCT
92
97
97
98
BANK
0.00
10.30
10.30
3.02
12/31/2010
PG 3
0.11
3.43
3.61
1.21
PCT
48
91
90
89
BANK
0.00
0.81
0.81
2.22
12/31/2009
PG 3
0.14
3.32
3.55
1.41
PCT
45
20
16
75
BANK
0.00
0.89
0.89
2.18
12/31/2008
PG 3
0.14
2.06
2.29
1.41
PCT
42
37
32
75
LNS Fin Coml RE-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
0.00
0.00
0.00
0.01
0.93
0.94
0.07
99
96
96
98
0.00
0.00
0.00
0.00
0.00
0.84
0.84
0.51
99
95
95
96
0.00
0.00
0.00
0.00
0.02
0.00
0.00
0.17
98
93
93
96
N/A
N/A
N/A
N/A
0.29
0.03
0.05
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.99
0.99
0.00
N/A
N/A
N/A
N/A
Const & Land Dev-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
27.12
27.12
1.06
0.01
5.11
5.33
0.49
90
92
92
79
0.39
33.96
34.35
3.07
0.02
7.78
8.02
0.68
93
92
92
88
0.00
16.22
16.22
2.86
0.06
8.62
8.91
0.91
82
75
75
84
0.00
1.01
1.01
3.13
0.09
8.26
8.58
1.41
80
27
25
79
0.00
0.07
0.07
0.93
0.11
4.60
4.97
1.64
75
28
24
52
0.00
0.00
0.00
0.00
0.18
1.49
1.67
0.22
97
76
74
84
0.00
3.26
3.26
0.74
0.25
4.21
4.47
0.25
96
72
71
85
0.00
7.72
7.72
1.44
0.01
6.25
6.54
0.56
93
71
70
83
0.00
0.00
0.00
0.75
0.04
6.93
7.33
1.16
90
48
46
68
0.00
0.00
0.00
0.03
0.08
4.34
4.80
1.66
87
50
46
54
0.00
28.90
28.90
1.13
0.00
5.51
5.72
0.43
91
92
92
81
0.41
35.24
35.64
3.17
0.01
8.07
8.31
0.66
94
91
91
88
0.00
16.74
16.74
2.95
0.03
8.37
8.65
0.79
86
76
75
86
0.00
1.13
1.13
3.41
0.05
8.06
8.35
1.23
84
34
32
82
0.00
0.09
0.09
1.15
0.06
4.12
4.43
1.35
82
39
36
64
Single & Multi Mtg-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.05
6.85
6.90
2.54
0.07
1.43
1.59
1.11
69
95
94
84
0.19
12.54
12.73
5.47
0.09
1.92
2.09
1.12
78
97
97
96
0.00
11.09
11.09
2.98
0.11
2.09
2.27
1.29
57
95
95
85
0.00
1.37
1.37
1.89
0.12
1.92
2.13
1.48
54
51
46
65
0.00
0.12
0.12
4.03
0.12
1.11
1.31
1.34
53
22
15
91
Non-Farm Non-Res Mtg-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
8.08
8.08
1.88
0.03
1.82
1.94
0.63
83
94
93
85
0.00
7.02
7.02
6.94
0.04
2.33
2.44
0.69
80
89
88
98
0.00
6.15
6.15
3.23
0.05
2.45
2.59
0.86
77
84
83
90
0.00
0.01
0.01
1.69
0.07
2.10
2.27
0.95
74
14
12
75
0.00
2.80
2.80
1.74
0.07
1.08
1.24
0.87
73
83
81
78
Own Occ Non-Farm Non-Res-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
8.26
8.26
2.30
0.01
1.65
1.77
0.63
88
93
92
87
0.00
8.16
8.16
6.44
0.03
2.00
2.11
0.71
85
92
92
97
0.00
6.37
6.37
2.82
0.03
2.11
2.26
0.80
83
86
85
87
0.00
0.00
0.00
2.08
0.05
1.81
1.95
0.91
81
28
24
81
0.00
5.46
5.46
2.75
0.04
0.97
1.11
0.91
82
93
92
83
Other Non-Farm Non-Res-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
7.42
7.42
0.39
0.01
1.66
1.76
0.45
91
90
90
68
0.00
3.48
3.48
8.48
0.01
2.33
2.46
0.48
90
69
68
98
0.00
5.53
5.53
4.37
0.01
2.36
2.49
0.71
88
80
79
91
0.00
0.03
0.03
0.01
0.04
2.03
2.23
0.82
86
36
33
44
0.00
0.00
0.00
0.69
0.05
0.91
1.08
0.69
84
48
43
67
% of Non-Current LN&LS by Loan Type
Real Estate LNS-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
1-4 Fam Cons & L Dev-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
Other Const & Land Dev-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
Non-Current LN&LS ($000)
90 Days and Over Past Due
Total Nonaccrual LN&LS
Total Non-Current LN&LS
LN&LS 30-89 Days Past Due
58
46,144
46,202
8,739
2,633
77,967
80,600
28,255
0
59,412
59,412
19,653
0
5,356
5,356
15,795
0
4,650
4,650
12,596
0
536
215
0
1,056
419
0
0
35
0
0
0
0
0
0
Restructured LN&LS 90+ Days P/D
Restructured LN&LS Nonaccrual
Restructured LN&LS 30-89 Days P/D
0
9,716
170
0
5,942
1,863
0
8,398
0
0
658
0
0
0
0
Current 1-4 Family Restru LN&LS
Current Other Restructured LN&LS
Loans Secured 1-4 RE in Foreclosure
Other Real Estate Owned
2,249
37,964
213
20,433
556
14,272
5,084
21,647
1,756
5,393
162
16,602
0
0
77
5,337
0
0
226
2,358
Gtyd LN&LS 90+ Days P/D
Gtyd LN&LS on Nonaccrual
Gtyd LN&LS 30-89 Days P/D
FDIC Certificate # 111
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 11111
County: ONE
BANK ONE
Analysis of Past Due, Nonaccrual & Restructured--Page 8A
ONE, GA
PD, Nonacc & Rest Loans-b
BANK
0.00
6.25
6.25
2.83
12/31/2012
PG 3
0.03
1.11
1.22
0.59
PCT
76
93
92
92
BANK
0.24
13.62
13.85
4.62
12/31/2011
PG 3
0.03
1.58
1.68
0.63
PCT
90
97
97
96
BANK
0.00
5.11
5.11
3.56
12/31/2010
PG 3
0.06
1.73
1.91
0.81
PCT
70
85
84
92
BANK
0.00
0.33
0.33
2.43
12/31/2009
PG 3
0.08
1.54
1.73
1.04
PCT
64
32
28
82
BANK
0.00
0.82
0.82
3.86
12/31/2008
PG 3
0.08
0.87
1.05
1.06
PCT
62
61
54
90
Loans to Individuals-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
0.24
0.24
1.62
0.04
0.24
0.36
0.92
69
67
58
75
0.06
1.24
1.29
2.67
0.05
0.32
0.44
1.03
75
87
84
85
0.00
2.51
2.51
3.54
0.06
0.35
0.47
1.16
64
93
92
89
0.00
1.07
1.07
4.03
0.08
0.36
0.51
1.40
57
84
79
90
0.00
0.64
0.64
3.56
0.09
0.28
0.43
1.46
55
79
70
87
Credit Card Plans-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
1.27
1.27
5.40
0.25
0.00
0.31
1.03
62
97
86
94
0.00
2.33
2.33
4.87
0.37
0.00
0.49
1.16
56
97
88
93
0.00
1.58
1.58
5.36
0.38
0.00
0.47
1.12
56
97
84
93
0.00
1.17
1.17
2.66
0.47
0.01
0.64
1.49
49
95
77
75
0.00
1.12
1.12
1.71
0.49
0.01
0.64
1.58
51
95
73
58
Lease Financing-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
N/A
N/A
N/A
N/A
0.43
0.02
0.04
0.07
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.11
0.04
0.05
0.04
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.17
0.10
0.15
0.13
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.18
0.28
0.27
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.01
0.13
0.24
0.35
N/A
N/A
N/A
N/A
Agricultural LNS-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
0.00
0.00
0.00
0.00
0.04
0.06
0.06
94
82
80
76
0.00
9.14
9.14
0.00
0.02
0.06
0.08
0.05
95
98
98
76
0.00
2.30
2.30
11.89
0.00
0.13
0.16
0.10
92
93
93
99
0.00
0.00
0.00
0.00
0.00
0.11
0.16
0.15
91
78
75
69
0.00
0.00
0.00
0.00
0.00
0.03
0.05
0.12
92
83
79
72
Other LN&LS-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
0.00
0.00
0.00
0.00
0.07
0.11
0.12
91
79
73
63
0.00
1.11
1.11
0.00
0.00
0.10
0.14
0.11
91
92
91
64
0.00
0.22
0.22
1.16
0.00
0.13
0.19
0.19
88
82
79
89
0.00
0.22
0.22
0.01
0.02
0.15
0.26
0.26
85
83
78
58
0.00
0.00
0.00
0.00
0.01
0.05
0.11
0.22
86
81
73
58
0.01
10.83
10.85
2.05
0.07
1.91
2.06
0.90
53
97
97
85
0.48
14.14
14.61
5.12
0.08
2.64
2.79
0.97
91
97
97
98
0.00
9.27
9.27
3.07
0.11
3.06
3.24
1.18
33
90
90
90
0.00
0.76
0.76
2.25
0.15
2.96
3.18
1.42
28
20
15
77
0.00
0.86
0.86
2.33
0.15
1.84
2.07
1.43
26
37
31
77
262.53
202.46
12.90
14.93
2.28
11.72
9.44
0.21
0.00
1.16
2.46
115.05
12.73
3.07
3.20
0.50
1.49
0.91
0.30
0.36
0.91
0.40
89
98
97
96
90
98
99
61
91
81
89
351.31
243.63
19.74
17.84
1.08
3.77
2.69
3.95
0.00
1.35
1.48
139.20
18.53
3.84
4.21
0.57
1.71
1.04
0.40
0.36
0.89
0.34
93
98
98
96
75
81
83
96
90
82
88
197.22
131.98
12.34
11.57
1.31
2.43
1.12
0.10
N/A
0.00
0.18
154.02
23.76
4.52
4.62
0.42
1.35
0.83
0.46
0.06
0.67
0.44
69
95
91
88
82
75
69
48
N/A
76
83
51.29
6.04
3.02
1.51
0.09
0.09
0.00
0.04
N/A
0.00
0.00
162.11
25.73
4.75
4.27
0.19
0.86
0.58
0.45
0.00
0.40
0.17
14
19
39
23
70
42
42
46
N/A
78
85
62.58
6.77
3.19
1.29
0.00
0.00
0.00
0.18
N/A
0.00
0.00
137.72
16.79
3.62
2.63
0.02
0.13
0.08
0.26
0.04
0.40
0.16
27
33
55
34
82
62
69
64
N/A
81
85
% of Non-Current LN&LS by Loan Type
Coml & Indust LNS-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
Total LN&LS-90+ Days Past Due
-Nonaccrual
-Total
-30-89 DAYS P/D
Other Pertinent Ratios:
Non-Cur LN&LS to-LN&LS Allowance
-Equity Capital
% Total P/D LN&LS-Incl Nonaccrual
Non Curr LNS+OREO to LNS+OREO
Non-Curr Restruct Debt/Gr LN&LS
Curr+Non-Curr Restruct/GR LN&LS
Current Restruct LN&LS
Loans Sec 1-4 Fam RE in Forclosure as % Tota
Gtyd LN&LS 90+ P/D / LN&LS 90+ P/D
Gtyd Nonaccrual LN&LS / Nonaccrual LN&LS
Gtyd LN&LS 30-89 P/D / LN&LS 30-89 P/D
FDIC Certificate # 111
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 11111
County: ONE
BANK ONE
Interest Rate Risk Analysis as a Percent of Assets--Page 9
ONE, GA
Interest Rate Risk
Long Assets Insts w/Options
Mortgage Loans & Pass Thrus
Loans & Securities Over 15 Years
Loans & Securities 5-15 Years
BANK
11.76
0.79
3.08
12/31/2012
PG 3
18.21
3.64
4.88
PCT
30
28
43
BANK
13.10
0.48
2.64
12/31/2011
PG 3
17.46
3.00
4.81
PCT
36
22
39
BANK
13.64
0.51
1.14
12/31/2010
PG 3
16.57
2.76
3.77
PCT
41
26
29
BANK
19.68
1.38
2.78
12/31/2009
PG 3
16.59
2.90
3.38
PCT
64
45
52
BANK
21.58
1.37
6.70
12/31/2008
PG 3
16.83
2.90
3.35
PCT
70
45
82
Other Loans and Securities
Loans & Securities Over 15 Years
Loans & Securities 5-15 Years
Total Loans & Securities Over 15 Years
46.16
3.89
6.74
4.68
61.89
2.96
12.39
7.43
10
68
22
46
45.16
2.10
5.15
2.58
62.02
2.55
10.80
6.29
8
54
20
34
50.75
1.69
5.22
2.19
63.75
2.25
9.79
5.75
13
52
26
34
59.90
2.57
3.85
3.95
64.59
2.04
9.17
5.64
32
66
17
48
59.36
0.51
1.70
1.88
67.53
1.61
8.64
5.13
24
33
7
32
CMO'S Total
Avg Life Over 3 Years
10.62
5.77
2.37
0.82
92
93
5.43
5.17
2.61
0.91
76
92
8.21
4.98
2.22
0.93
87
91
6.55
2.48
1.91
0.72
86
85
5.27
4.25
1.75
0.73
83
90
Structured Notes
Mortgage Servicing (FV)
Total
0.00
0.00
0.00
0.37
0.02
0.44
59
75
45
0.00
0.00
0.00
0.66
0.02
0.71
52
77
40
0.00
0.00
0.00
0.68
0.02
0.73
53
79
42
0.00
0.00
0.00
0.42
0.01
0.46
58
80
47
0.00
0.00
0.00
0.11
0.01
0.14
74
80
60
14.03
0.03
6.81
19.84
0.66
11.76
37
65
24
8.91
0.05
6.85
19.57
0.68
11.09
21
67
25
11.97
0.07
5.83
17.39
0.70
11.13
36
66
21
14.18
1.09
9.11
15.61
0.97
11.41
51
76
40
16.32
0.18
9.68
14.66
1.11
13.61
61
64
29
0.00
0.00
0.02
0.19
71
71
0.00
0.00
0.02
0.19
72
72
0.00
0.00
0.00
0.05
77
77
0.00
0.00
0.01
0.13
71
71
0.00
0.00
0.00
0.02
76
76
Contractual Mat/Reprice Data
Loans/Securities Over 3 Year
Liabilities Over 3 Year
Net Over 3 Year Position
25.35
3.47
21.89
41.92
3.66
37.84
15
54
15
22.81
4.18
18.62
37.91
3.70
33.74
16
61
16
20.67
6.44
14.24
35.44
3.51
31.42
18
78
14
20.96
5.71
15.25
35.98
3.08
32.40
16
78
12
21.47
3.46
18.02
35.26
3.29
31.43
16
59
17
Loans/Securities Over 1 Year
Liabilities Over 1 Year
Net Over 1 Year Position
49.39
15.42
33.97
59.48
11.72
47.04
21
70
19
42.05
22.86
19.19
58.44
12.31
45.50
12
88
6
43.34
21.51
21.83
56.23
13.37
42.19
18
81
12
45.98
15.80
30.19
55.19
12.14
42.31
24
68
22
36.23
15.51
20.72
53.66
12.14
40.80
11
66
10
44.79
176.69
-19.44
54.69
143.32
-12.57
22
75
36
36.04
158.00
-13.23
50.55
148.54
-12.28
12
63
47
42.19
204.11
-21.52
46.18
148.36
-10.34
37
78
26
37.00
176.54
-16.04
43.10
134.32
-6.96
32
77
29
39.79
185.34
-18.32
39.55
124.50
-4.19
53
83
18
0.00
0.00
0.00
3.93
0.25
4.66
59
75
45
0.00
0.00
0.00
7.46
0.20
8.15
52
77
40
0.00
0.00
0.00
7.87
0.19
8.58
53
79
42
0.00
0.00
0.00
5.17
0.16
5.66
58
80
47
0.00
0.00
0.00
1.24
0.11
1.63
74
80
60
Overall Risk Indicators
Available for Sale
Held to Maturity
Off Balance Sheet
Unrealized Appreciation/Depreciation
Unrealized App/Dep % Tier One Cap
Non-Maturity Deposits
Non-Maturity Deps % Long Assets
Net Over 3 Year Position
As % Tier 1 Capital
Structured Notes
Mortgage Servicing (FV)
Total
FDIC Certificate # 111
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 11111
County: ONE
BANK ONE
Liquidity & Funding--Page 10
ONE, GA
Liquidity & Funding
Percent of Total Deposits
Individ, Partnerships, and Corp.
U.S. Govt, States & Political Sub in U.S.
Comml Banks & Other Dep Inst. in U.S.
Banks in Foreign Countries
Foreign Govts and Official Inst.
Total deposits
BANK
85.91
6.73
7.37
0.00
0.00
100.00
12/31/2012
PG 3
90.78
7.41
0.90
0.08
0.00
100.00
PCT
23
49
91
98
99
99
BANK
75.42
8.40
16.18
0.00
0.00
100.00
12/31/2011
PG 3
90.63
7.45
0.90
0.08
0.04
100.00
PCT
5
59
96
98
98
99
BANK
75.07
17.54
7.40
0.00
0.00
100.00
12/31/2010
PG 3
90.65
7.19
1.04
0.07
0.00
100.00
PCT
5
91
90
98
98
98
BANK
81.03
14.30
4.67
0.00
0.00
100.00
12/31/2009
PG 3
91.00
6.99
0.97
0.11
0.00
100.00
PCT
12
85
88
98
98
98
BANK
84.82
14.91
0.26
0.00
0.00
100.00
12/31/2008
PG 3
91.38
6.91
0.76
0.21
0.00
100.00
PCT
17
87
63
97
97
99
Domestic Demand Deposits
Domestic Other Transaction Accts
Domestic Nontransaction Accts
Total Domestic Deposits
Deposits in Foreign Offices
Total Deposits
15.57
15.22
69.21
100.00
0.00
100.00
11.81
7.69
79.60
99.90
0.10
100.00
69
82
25
99
99
99
12.34
15.26
72.41
100.00
0.00
100.00
10.12
6.91
82.20
99.90
0.10
100.00
67
85
24
99
99
99
11.09
17.89
71.02
100.00
0.00
100.00
8.62
6.17
84.58
99.86
0.14
100.00
70
92
13
99
99
99
11.04
15.29
73.67
100.00
0.00
100.00
7.87
5.76
85.83
99.87
0.13
100.00
75
91
13
99
98
99
13.84
17.80
68.36
100.00
0.00
100.00
7.72
4.94
86.85
99.76
0.24
100.00
86
96
6
99
98
99
Liquidity/Funding Ratios
Net Non Core Fund Dep $250M
Net Non Core Fund Dep $100M
Core Deposits
Short Term Non Core Funding
S.T Inv to S.T. Ncore Fund
S.T. Asset to S.T. Liabilities
Net S.T. Liabilities to Assets
Net Loans & Leases to Deposits
Net LN&LS to Core Deposits
Brkr Dep Mat < 1 Yr to Brkr Deps
Brokered Deposits to Deposits
Listing Service Dep to Deposits
List Service and Brkrd Dep to Deps
Sec Bor + sec FFP to Tot Bor + FFP
Recip Brkrd Dep to Tot Brkrd Dep
-0.43
26.15
80.40
8.16
197.61
87.29
4.57
62.46
72.84
38.16
12.76
6.47
19.23
0.00
0.00
3.45
14.16
77.52
6.75
178.23
125.55
-2.92
73.97
81.04
55.89
2.26
0.66
3.40
0.52
19.76
34
80
61
66
66
35
69
23
33
21
92
91
93
88
43
-1.69
34.46
77.58
6.36
307.13
101.35
-0.50
66.68
78.75
14.62
12.33
14.79
27.12
0.00
0.83
5.83
17.50
76.18
7.65
139.60
108.13
0.23
75.10
83.28
59.26
2.73
0.74
4.10
0.26
20.00
25
87
50
46
84
53
45
28
41
8
90
96
95
89
44
18.45
36.81
66.00
24.13
61.10
123.09
-7.20
70.30
96.37
47.65
21.53
N/A
N/A
0.00
6.94
9.12
21.27
74.51
16.05
49.93
97.31
2.57
78.86
89.29
63.64
3.79
0.00
0.00
1.27
18.68
77
86
18
82
67
73
23
26
65
26
94
N/A
N/A
76
49
41.34
25.86
50.63
18.19
22.95
95.75
1.60
83.82
138.92
55.08
22.90
N/A
N/A
0.00
17.18
26.41
25.39
60.92
19.03
36.40
84.67
6.48
82.64
114.99
68.03
5.23
0.00
0.00
1.04
15.74
84
50
18
50
43
66
35
51
77
27
92
N/A
N/A
78
59
38.96
21.87
53.55
15.17
22.04
131.14
-10.92
84.77
129.52
64.68
21.36
N/A
N/A
0.00
N/A
31.66
30.37
57.46
21.29
20.69
78.34
8.68
89.27
129.05
71.00
6.76
0.00
0.00
1.68
0.00
68
29
35
27
63
88
9
34
57
27
85
N/A
N/A
76
N/A
Total Deposits
Individ, Partnerships, and Corp.
U.S. Govt, States & Political Sub in U.S.
Comml Banks & Other Dep Inst. in U.S.
Banks in Foreign Countries
Foreign Govts and Official Inst.
Total Deposits
561,703
43,980
48,180
0
0
653,863
597,869
66,598
128,234
0
0
792,701
651,917
152,279
64,227
0
0
868,423
667,699
117,834
38,449
0
0
823,982
533,522
93,810
1,666
0
0
628,998
Domestic Demand Deposits
Domestic Other Transaction Accts
Domestic Nontransaction Accts
Total Domestic Deposits
Deposits in Foreign Offices
Total Deposits
101,831
99,514
452,518
653,863
0
653,863
97,781
120,965
573,955
792,701
0
792,701
96,275
155,368
616,780
868,423
0
868,423
90,967
126,000
607,015
823,982
0
823,982
87,031
111,967
430,000
628,998
0
628,998
Other Liquidity/Funding Data
Non Core Liabilities $250M
Non Core Liabilities $100M
Short Term Non Core Funding
Core Deposits
Time Deps $250M & Under Mat < 1 Yr
Time Deps $250M & Under Mat > 1 Yr
Time Deps over $250M Mat < 1 Yr
Time Deps over $250M Mat > 1 Yr
Fed Home Loan Bor Mat < 1 Yr
Fed Home Loan Bor Mat > 1 Yr
Other Borrowing Mat < 1 Year
Other Borrowing Mat > 1 Year
Secured Other Borrowings
Federal Funds Purchased
Secured Fed Funds Purchased
Listing Service Deposits
Brokered Deposits
Reciprocal Brokered Deposits
110,203
248,919
56,903
560,660
225,775
105,979
8,054
1,690
17,000
0
0
0
0
0
0
42,279
83,459
0
158,466
385,435
55,058
671,235
278,760
178,441
20,764
2,949
20,000
17,000
0
0
0
0
0
117,236
97,753
808
277,053
411,885
231,619
633,504
N/A
N/A
N/A
N/A
5,000
37,000
136
0
0
0
0
N/A
187,009
12,972
389,938
259,271
178,672
497,173
N/A
N/A
N/A
N/A
0
42,000
129
0
0
0
0
N/A
188,720
32,413
283,507
170,392
116,600
411,687
N/A
N/A
N/A
N/A
0
42,000
0
197
0
0
0
N/A
134,333
N/A
FDIC Certificate # 111
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 11111
County: ONE
BANK ONE
Liquidity & Investment Portfolio--Page 10A
ONE, GA
Liquidity & Inv Portfolio
BANK
16.13
0.00
59.17
11.41
12/31/2012
PG 3
7.87
0.03
62.74
27.24
PCT
85
73
37
20
BANK
19.54
0.00
61.81
13.10
12/31/2011
PG 3
7.44
0.02
63.30
27.92
PCT
92
73
42
21
BANK
14.74
0.00
63.60
20.63
12/31/2010
PG 3
6.89
0.02
66.26
28.72
PCT
87
72
39
37
BANK
4.18
0.00
70.33
28.38
12/31/2009
PG 3
5.95
0.03
68.69
25.10
PCT
42
71
51
58
BANK
3.34
0.00
69.35
N/A
12/31/2008
PG 3
3.70
0.03
72.11
0.00
PCT
55
68
36
N/A
Securities Mix
% Total Securities
US Treas & Govt Agencies
Municipal Securities
Pass-Through Mtg Backed Secs
CMO & REMIC Mtg Backed Secs
Commercial Mtg Back Secs
Asset Backed Securities
Structured Financial Products
Other Domestic Debt Secs
Foreign Debt Securities
Inv Mut Fnd & Oth Mktbl
Total
0.00
16.06
8.43
75.51
0.00
0.00
0.00
0.00
0.00
0.00
100.00
23.59
23.79
22.76
11.28
0.18
0.03
0.01
1.43
0.00
0.17
100.00
12
37
30
98
84
91
92
62
93
73
99
3.40
4.76
31.20
60.64
0.00
0.00
0.00
0.00
0.00
0.00
100.00
24.67
21.29
23.55
12.73
0.07
0.22
0.01
1.22
0.18
0.13
100.00
23
24
63
93
87
95
91
65
96
73
99
4.25
11.65
15.93
68.17
0.00
0.00
0.00
0.00
0.00
0.00
100.00
28.80
20.67
21.01
11.97
0.03
0.20
0.01
0.99
0.09
0.15
100.00
22
37
48
94
89
96
90
67
97
71
99
10.90
16.99
29.25
42.86
0.00
0.00
0.00
0.00
0.00
0.00
100.00
28.68
19.86
23.14
11.13
0.02
0.10
0.01
0.99
0.07
0.19
100.00
32
45
61
87
90
96
90
65
97
70
99
3.67
7.21
55.30
31.94
N/A
0.00
N/A
1.88
0.00
0.00
100.00
26.94
19.68
25.46
10.51
0.00
0.00
0.00
1.37
0.04
0.27
100.00
21
29
82
83
N/A
93
N/A
75
96
68
99
Liquidity/Securities Ratios:
App (Dep) Hi Risk & Struc/T1 Cap
App (Dep) in AFS sec to AFS Sec
App (Dep) in HTM Sec to HTM Sec
App (Dep) in HTM Sec to Eqy Cap
Pledged Securities to Tot Sec
Pledged Loans to Total Loans
Loans Held for Sale to Total Loans
0.00
0.45
0.00
0.00
72.57
1.97
0.00
0.01
2.17
2.86
0.18
42.48
26.06
0.55
71
12
22
71
84
24
47
0.00
0.58
0.00
0.00
90.86
7.79
0.00
0.02
2.05
2.64
0.18
44.86
26.00
0.37
63
17
25
72
95
27
49
0.00
-0.30
0.00
0.00
91.63
14.39
0.00
-0.05
0.36
1.08
0.05
48.81
26.15
0.37
81
30
40
77
93
35
50
0.00
1.57
0.02
0.00
95.70
19.28
0.00
-0.03
1.06
1.48
0.13
53.41
20.35
0.22
85
61
30
71
95
51
55
0.00
0.92
0.07
0.00
93.93
N/A
0.00
0.01
0.47
0.04
0.02
59.44
0.00
0.16
81
50
46
76
90
N/A
58
Percent of Total Assets
Short Term Investments
Marketable Equity Sec (MES)
Net LN&LS & SBLC to Assets
Pledged Assets
Short Term Investments
Short Term Assets
Debt Securities 90+ Days P/D
Total Non-Current Debt Sec
Fair Value Structured Notes
Pledged Securities
Pledged Loans & Leases
Loans Held for Sale
112,448
218,948
0
0
0
71,169
8,375
0
169,098
323,837
0
0
0
70,424
42,946
0
141,525
368,209
0
0
0
105,886
92,186
0
41,010
352,982
0
0
0
143,540
135,192
0
25,699
353,547
0
0
0
119,162
N/A
0
FDIC Certificate # 111
OCC Charter # 0
Public Report
Capital Ratios
Percent of Bank Equity:
Net Loans & Leases (x)
Subord Notes & Debentures
Long Term Debt
Com RE & Related Ventures
Percent of Average Bank Equity:
Net Income
Dividends
Retained Earnings
Other Capital Ratios:
Dividends to Net Operating Income
Bank Eq Cap + Min Int to Assets
Growth Rates:
Total Equity Capital
Equity Growth Less Asst Growth
Intang Assets % Bank Equity
Mortgage Servicing Rights
Goodwill
Purch Credit Card Relations
All Other Intangibles
Total Intangibles
Risk-Based Capital
Tier One RBC to Risk-Wgt Assets
Total RBC to Risk-Weight Assets
Tier One Leverage Capital
Other Capital Ratio:
Def Tax Asset to T1 Cap
End of Period Capital ($000)
Perpetual Preferred
+ Common Stock
+ Surplus
+ Undivided Profits
+ Accum Other Comp Income
+ Other Equity Capital Comp
Total Bank Equity Capital
Minority Interest Cons Subs
Total Bank Capital & Min Int
Subordinated Notes & Debentures
Changes in Bank Equity ($000)
Balance at Beginning of Period
+ Net Income
+ Sales or Purchase of Capital
+ Merger & Absorptions
+ Restate due to Acctg Error&Chg
+ Trans with Parent
- Dividends
+ Other Comprehensive Income
Balance at End of Period
Intangible Assets
Mortgage Servicing Rights
+ Purch Credit Card Relations.
+ Other Intangibles
+ Goodwill
Total Intangibles
FRB District/ID_RSSD 6 / 11111
County: ONE
BANK ONE
Capital Analysis--Page 11
ONE, GA
Capital Analysis-a
BANK
12/31/2012
PG 3
PCT
BANK
12/31/2011
PG 3
PCT
BANK
12/31/2010
PG 3
PCT
BANK
12/31/2009
PG 3
PCT
BANK
12/31/2008
PG 3
PCT
17.90
0.00
0.00
1,094.33
6.18
0.31
0.31
262.72
98
96
96
98
15.98
0.00
0.00
972.00
6.37
0.69
0.69
285.38
97
95
95
97
13.56
0.00
0.00
785.98
7.04
0.73
0.73
324.95
96
95
95
95
7.79
0.00
0.00
415.23
7.61
0.00
0.00
360.50
53
94
94
64
7.76
0.00
0.00
437.79
7.92
0.01
0.01
380.71
45
94
94
62
-36.42
0.00
-36.42
8.67
3.47
4.49
1
30
1
-29.85
0.00
-29.85
6.29
2.88
2.74
4
35
4
-56.44
0.00
-56.44
3.92
2.49
0.71
3
38
3
5.17
0.00
5.17
0.32
2.81
-3.13
52
32
75
10.43
1.52
8.91
5.52
4.46
0.24
68
27
89
N/A
3.27
35.24
10.32
N/A
0
N/A
3.82
33.98
10.15
N/A
2
N/A
4.69
34.06
9.61
N/A
3
0.00
9.02
48.53
9.23
17
49
14.56
8.93
58.25
9.25
16
51
-31.02
-11.62
6.41
0.74
0
9
-26.51
-16.64
8.64
3.84
3
6
-49.20
-46.95
2.73
0.46
2
2
29.01
1.29
4.92
-0.72
91
54
10.29
-11.08
4.57
-4.33
74
24
0.00
0.00
0.00
10.04
10.04
0.22
1.98
0.05
0.28
3.07
75
61
96
99
84
0.00
0.00
0.00
9.40
9.40
0.17
2.18
0.04
0.32
3.25
77
61
96
99
82
0.00
0.00
0.00
9.27
9.27
0.16
2.18
0.02
0.38
3.40
79
63
97
98
81
0.00
11.35
0.00
6.06
17.41
0.13
2.30
0.02
0.45
3.50
80
87
97
96
90
0.00
14.64
0.00
7.67
22.32
0.09
3.38
0.02
0.56
4.58
80
86
97
97
90
4.40
5.69
2.84
14.42
15.63
9.67
0
0
0
5.24
6.53
3.32
13.92
15.18
9.40
2
2
1
6.37
7.66
4.29
13.00
14.27
9.02
3
3
2
9.79
11.04
7.45
11.90
13.17
8.66
19
18
22
9.15
10.40
7.23
11.40
12.60
8.75
14
14
14
0.00
1.53
45
0.00
1.61
46
3.99
2.39
68
4.81
2.49
73
2.09
2.55
54
0
390
78,904
-56,748
274
0
22,820
0
22,820
0
390
78,904
-46,491
280
0
33,083
0
33,083
0
390
78,904
-34,057
-220
0
45,017
0
45,017
0
390
78,904
7,979
1,345
0
88,618
0
88,618
0
390
58,904
8,683
712
0
68,689
0
68,689
0
0
0
0
0
33,083
-10,257
0
0
0
0
0
-6
22,820
45,017
-12,434
0
0
0
0
0
500
33,083
88,618
-42,036
0
0
0
0
0
-1,565
45,017
68,689
4,296
0
0
0
15,000
0
633
88,618
62,279
6,869
0
0
0
0
1,000
541
68,689
0
0
2,292
0
2,292
0
0
3,110
0
3,110
0
0
4,175
0
4,175
0
0
5,371
10,057
15,428
0
0
5,271
10,057
15,328
FDIC Certificate # 111
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 11111
County: ONE
12/31/2012
Risk Based Capital ($000)
Tier One Capital
Total Equity Capital Adjusted
- Ineligible Def Tax Assets
- Ineligible Intangibles
- Cumul Change F.V. Financial Liab
Net Tier One
BANK ONE
Capital Analysis--Page 11A
12/31/2011
ONE, GA
12/31/2010
Capital Analysis-b
12/31/2009
12/31/2008
22,546
0
2,292
0
20,254
32,803
0
3,110
0
29,693
45,237
0
4,175
0
41,062
87,273
0
15,428
0
71,845
67,977
0
15,328
0
52,649
0
0
5,895
0
0
5,895
0
0
7,275
0
0
7,275
0
0
8,328
0
0
8,328
0
0
9,187
0
0
9,187
0
0
7,194
0
0
7,194
Total RBC Before Deductions
Tier One & Tier Two
Tier Three & Fin Sub Adj
- Deductions for Total RBC
Total Risk-Based-Capital
26,149
0
0
26,149
36,968
0
0
36,968
49,390
0
0
49,390
81,032
0
0
81,032
59,843
0
0
59,843
Risk-Weighted Assets
On-Balance Sheet
Category Two - 20%
Category Three - 50%
Category Four - 100%
Total On-Balance Sheet
Memo: Category One - 0%
12,793
43,990
401,437
458,220
158,824
3,955
50,990
509,649
564,595
253,181
5,519
69,355
573,732
648,606
246,160
18,289
96,991
593,323
708,604
96,121
20,736
62,326
467,647
550,709
63,834
Off-Balance Sheet
Category Two - 20%
Category Three - 50%
Category Four - 100%
Total Off-Balance Sheet
Memo: Category One - 0%
571
0
12,822
13,393
0
572
0
16,829
17,401
0
0
0
17,657
17,657
0
0
0
26,398
26,398
0
0
0
24,859
24,859
0
471,613
11,704
0
0
459,910
581,996
15,668
0
0
566,329
666,263
21,796
0
0
644,468
735,002
1,256
0
0
733,747
575,568
237
0
0
575,332
Tier Two Capital
+ Qualif Debt and Redeem Pfd
+ Cumulative Preferred Stock
+ Allowable LN&LS Loss Allow
+ Unrl Gain Mktbl Eqy Sec (45%)
+ Other Tier 2 Capital Comp
Net Eligible Tier Two
Adjustments to Risk-Wgt Assets
Risk-Weighted Asset Before Ded
- Excess Allowable LN&LS Loss Al
- Allocated Transfer Risk Reserve
+ Mkt Risk Asset & Fin Sub Adj
Total Risk-Weighted Assets
FDIC Certificate # 111
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 11111
County: ONE
BANK ONE
One Quarter Annualized Income Analysis--Page 12
ONE, GA
Income Statement 1-Qtr-Ann
BANK
12/31/2012
PG 3
PCT
BANK
9/30/2012
PG 3
PCT
BANK
6/30/2012
PG 3
PCT
BANK
3/31/2012
PG 3
PCT
BANK
12/31/2011
PG 3
PCT
3.78
1.02
2.77
0.01
4.47
0.00
-1.69
0.00
-1.69
-1.69
-2.10
0.00
-1.69
-1.69
4.12
0.59
3.52
0.83
3.01
0.31
1.11
0.05
1.19
0.88
0.80
0.00
0.79
0.88
28
92
9
5
92
21
3
58
3
3
4
98
3
3
3.44
1.07
2.37
1.07
3.71
1.48
-1.76
0.29
-1.47
-1.47
-1.99
0.00
-1.47
-1.47
4.22
0.64
3.57
0.79
2.92
0.27
1.24
0.05
1.33
0.97
0.96
0.00
0.88
0.97
10
91
2
72
84
96
3
90
3
2
3
98
2
2
3.81
1.10
2.71
1.00
3.99
0.49
-0.77
0.00
-0.77
-0.77
-2.29
0.00
-0.77
-0.77
4.26
0.69
3.56
0.75
2.90
0.29
1.17
0.06
1.26
0.92
0.92
0.00
0.83
0.92
21
89
7
71
90
75
5
52
4
4
2
98
4
4
3.57
1.20
2.38
1.56
3.86
1.40
-1.32
0.00
-1.32
-1.32
-1.55
0.00
-1.32
-1.32
4.30
0.74
3.56
0.75
2.89
0.29
1.18
0.05
1.27
0.92
0.97
0.00
0.83
0.92
11
90
3
89
88
95
2
57
2
1
2
98
1
1
3.71
1.18
2.53
1.66
3.89
4.80
-4.50
0.67
-3.82
-3.82
-3.86
0.00
-3.82
-3.82
4.41
0.80
3.61
0.70
2.98
0.52
0.83
0.03
0.87
0.61
0.55
0.00
0.55
0.61
11
85
4
92
85
98
2
97
3
4
4
98
4
4
4.14
1.11
3.03
4.44
0.64
3.79
32
92
10
3.75
1.17
2.58
4.53
0.69
3.84
10
92
2
4.14
1.19
2.95
4.57
0.74
3.83
24
90
8
3.89
1.30
2.59
4.64
0.79
3.83
11
92
2
3.98
1.27
2.72
4.76
0.86
3.89
10
85
4
0.65
-4.18
6.07
0.58
9.22
5.56
68
10
66
3.21
-0.14
1.19
0.45
9.66
5.59
96
18
25
3.24
-0.14
1.17
0.48
6.42
4.70
95
18
24
2.62
0.05
1.60
0.39
4.42
4.15
95
21
28
7.57
0.06
0.53
0.91
6.74
4.38
98
18
13
0.00
-49.83
45.22
2.07
40
2
0.00
-41.28
19.38
6.03
52
1
0.00
-21.19
24.61
4.94
48
3
0.00
-37.69
19.75
5.72
53
1
0.00
-90.80
30.72
0.92
50
2
Yield on or Cost of:
Total Loan & Leases (TE)
Loans in Domestic Offices
Real Estate
Secured by 1-4 Fam Resi Prop
All Other Loans Sec Real Estate
Commercial & Industrial
Individual
Credit Card
Agricultural
Loans in Foreign Offices
Total Investment Securities (TE)
Total Investment Securities (Book)
US Treas & Agency (Excl MBS)
Mortgage Backed Securities
All Other Securities
Interest-Bearing Bank Balances
Federal Funds Sold & Resales
5.61
5.61
5.44
7.64
4.56
6.47
9.42
8.42
6.59
N/A
1.73
1.73
0.00
1.51
2.93
0.22
N/A
5.57
5.55
5.49
5.45
5.54
5.68
7.20
9.84
5.00
0.00
2.52
2.19
1.63
2.02
3.18
0.31
0.18
55
56
47
94
7
79
84
47
81
N/A
18
24
2
28
38
26
N/A
5.09
5.09
4.90
5.72
4.60
5.71
9.75
8.56
4.89
N/A
1.90
1.90
1.32
1.78
3.10
0.23
N/A
5.64
5.62
5.57
5.52
5.61
5.74
7.27
9.00
5.06
0.00
2.65
2.32
1.71
2.27
3.22
0.31
0.18
16
17
11
61
5
54
86
48
26
N/A
19
26
34
29
41
37
N/A
5.70
5.70
5.54
8.21
4.51
6.42
10.55
7.92
10.86
N/A
2.04
2.04
2.00
1.93
3.47
0.26
N/A
5.66
5.64
5.59
5.57
5.60
5.78
7.24
9.11
5.01
0.00
2.79
2.46
1.82
2.44
3.35
0.30
0.20
56
57
49
96
4
76
90
42
97
N/A
19
27
60
27
55
48
N/A
5.32
5.32
5.17
7.14
4.40
5.77
10.32
8.10
0.00
N/A
2.34
2.34
1.65
2.29
3.44
0.21
N/A
5.71
5.69
5.63
5.62
5.66
5.80
7.34
9.84
5.18
0.00
2.93
2.59
1.90
2.62
3.46
0.29
0.15
25
26
18
91
3
53
89
41
9
N/A
26
35
40
36
47
33
N/A
5.23
5.23
5.04
7.19
4.21
5.72
10.71
8.25
0.00
N/A
2.24
2.24
1.35
2.35
4.68
0.23
N/A
5.82
5.80
5.75
5.74
5.77
5.92
7.58
9.38
5.28
0.00
3.01
2.69
2.00
2.77
3.61
0.32
0.18
14
14
9
89
2
46
88
43
10
N/A
20
26
25
34
87
33
N/A
Total Interest Bearing Deposits
Transaction accounts
Other Savings Deposits
Time Deps Over $100M
All Other Time Deposits
Foreign Office Deposits
1.14
0.13
0.38
1.41
1.82
N/A
0.69
0.28
0.32
1.16
1.18
0.24
91
26
64
73
90
N/A
1.22
0.14
0.36
1.49
1.87
N/A
0.74
0.30
0.34
1.22
1.24
0.24
92
28
58
72
89
N/A
1.23
0.16
0.37
1.50
1.86
N/A
0.79
0.31
0.37
1.29
1.30
0.18
90
32
55
69
87
N/A
1.27
0.20
0.40
1.51
1.92
N/A
0.84
0.33
0.39
1.36
1.39
0.28
88
37
55
64
84
N/A
1.25
0.22
0.36
1.53
1.99
N/A
0.92
0.37
0.43
1.45
1.51
0.19
81
39
45
58
80
N/A
Federal Funds Purchased & Repos
Other Borrowed Money
Subord Notes & Debentures
All Interest-Bearing Funds
N/A
4.31
N/A
1.24
0.52
2.57
5.23
0.77
N/A
86
N/A
90
N/A
4.31
N/A
1.30
0.52
2.83
5.83
0.82
N/A
86
N/A
89
N/A
4.24
N/A
1.31
0.55
2.84
5.15
0.88
N/A
86
N/A
87
N/A
4.18
N/A
1.42
0.54
2.91
4.71
0.93
N/A
84
N/A
88
N/A
4.24
N/A
1.40
0.60
2.73
5.01
1.02
N/A
84
N/A
83
Earnings and Profitability
Percent of Average Assets:
Interest Income (TE)
- Interest Expense
Net Interest Income (TE)
+ Noninterest Income
- Noninterest Expense
- Provision: Loan & Lease Losses
Pretax Operating Income (TE)
+ Realized Gains/Losses Sec
Pretax Net Operating Income (TE)
Net Operating Income
Adjusted Net Operating Income
Net Inc Attrib Min Ints
Net Income Adjusted Sub S
Net Income
Margin Analysis:
Int Inc (TE) to Avg Earn Assets
Int Expense to Avg Earn Assets
Net Int Inc-TE to Avg Earn Assets
Loan & Lease Analysis:
Net Loss to Average Total LN&LS
Earnings Coverage of Net Loss (X)
LN&LS Allowance to Net Losses (X)
Capitalization
Cash Dividends to Net Income
Retain Earns to Avg Total Equity
FDIC Certificate # 111
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 11111
County: ONE
BANK ONE
Securitization & Asset Sale Activities--Page 13
ONE, GA
Securitization & Asset Sale-a
Percent Change
1 Quarter
1 Year
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
N/A
N/A
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
0.00
N/A
N/A
Asset Backed Comml Paper Conduits
CR Exp Spons by Bank & Other
Liquid Comm by Bank & Other
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
Activity % Total Assets
Securitization Activities
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Asset Backed Comml Paper Conduits
Cr Exp Spons by Bank & Other
Liquid Comm by Bank & Other
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
20.86
3.37
0.87
2.13
9.88
62.88
20.49
2.85
0.70
2.24
10.59
63.12
22.85
2.64
0.59
2.49
10.69
60.74
25.74
2.47
0.50
2.79
8.58
59.94
22.01
1.18
0.56
3.85
7.83
64.58
Securitization Activities
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
12/31/2012
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12/31/2011
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12/31/2010
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12/31/2009
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12/31/2008
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Retained Interest-Only Strips
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Retained Credit Enhancements
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Unused Liquidity Commitments
0.00
0.00
Sellers Interest in Secs & Loans
Home Equity Lines
Credit Card Receivables
Commercial & Industrial Loans
0.00
0.00
0.00
0.00
Total Retained Credit Exposure
Percent of Tot Managed Assets on
Balance Sheet & Sec Assets
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
FDIC Certificate # 111
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 11111
County: ONE
BANK ONE
Securitization & Asset Sale Activities--Page 13A
12/31/2012
ONE, GA
12/31/2010
Securitization & Asset Sale-b
12/31/2009
12/31/2008
% Tot Securitization Act by Type
Retained Int Only Strips
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Retained Credit Enhancement
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Unused Comm to Provide Liquidity
Sellers Int in Secs & LNS % Trust
Home Equity Lines
Credit Card Receivables
Commercial & Industrial Loans
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Percent of Tier 1 Capital
Total Retained Credit Exposure
Retained Interest-Only Strips
Retained Credit Enhancements
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
30-89 Day PD Securitized Assets
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Total 30-89 Day PD Secur Assets
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
90+ Days PD Securitized Assets
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Total 90+ Days PD Secur Assets
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Total Past Due Securitized Assets
0.00
0.00
0.00
0.00
0.00
Net Losses Securitized Assets
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Total Net Charge Off Secur Asset
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
FDIC Certificate # 111
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 11111
County: ONE
12/31/2012
BANK ONE
Securitization & Asset Sale Activities--Page 13B
12/31/2011
ONE, GA
12/31/2010
Securitization & Asset Sale-c
12/31/2009
12/31/2008
30-89 Day PD Securitized Assets %
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Total 30-89 Days PD Secur Asset
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
90+ Day PD Securitized Assets %
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Total 90+ Day PD Secur Asset
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total PD Securitized Asets %
N/A
N/A
N/A
N/A
N/A
Net Losses on Securitized Assets%
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Net Losses on Securitized Assets
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
30-89 DAY PD managed assets %
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Commercial & Industrial Loans
All Other Loans and Leases
Total 30-89 Day PD Manage Asset
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
90+ DAY PD MANAGED ASSETS %
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Commercial & Industrial Loans
All Other Loans and Leases
Total 90+ Day PD Manage Asset
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Past Due Managed Assets %
N/A
N/A
N/A
N/A
N/A
Net Losses on Managed Assets %
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Commercial & Industrial Loans
All Other Loans and Leases
Net Losses on Managed Assets
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
FDIC Certificate # 111
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 11111
County: ONE
12/31/2012
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%MGD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%MGD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%FID IN
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Fiduciary and Related Assets
Personal Trust and Agency
Employee Benefit DC
Employee Benefit DB
Other EB & Retirement-Related
Corporate Trust and Agency
Inv Mgmt & Inv Advisory Agency
Foundation & Endowment Trust & Agency
Other Fiduciary
Total Fiduciary Assets
Custody and Safekeeping
Memo: Accts in Foreign Offices
Memo: IRA, HSA & Other
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Fiduciary and Related Accounts
Personal Trust and Agency
Employee Benefit DC
Employee Benefit DB
Other EB & Retirement-Related
Corporate Trust and Agency
Inv Mgmt & Inv Advisory Agency
Foundation & Endowment Trust & Agency
Other Fiduciary
Total Number of Accounts
Custody and Safekeeping
Memo: Accts in Foreign Offices
Memo: IRA, HSA & Other
Fiduciary and Related Services Income
Personal Trust and Agency
Employee Benefit DC
Employee Benefit DB
Other EB & Retirement-Related
Corporate Trust and Agency
Inv Mgmt & Inv Advisory Agency
Foundation & Endowment Trust & Agency
Other Fiduciary
Custody and Safekeeping
Other Related Services
Gross Fiduciary and Related Income
Less: Expenses
Less:Net Losses
Plus: Intra-company Credits
Net Fiduciary and Related Income
Memo: Fiduciary Income - Foreign
Gross Fiduciary Income % Nonint Inc
Fiduciary Income % Fiduciary Assets
Personal Trust and Agency
Employee Benefit DC
Employee Benefit DB
Other EB & Retirement-Related
Corporate Trust and Agency
Inv Mgmt & Inv Advisory Agency
Other Fiduciary
Total Fiduciary Assets
Custody and Safekeeping
Memo: Fiduciary Income Foreign
Collective/Common Trust Fund Assets
Domestic Equity
International/Global Equity
Stock/Bond Blend
Taxable Bond
Municipal Bond
Short Term/Money Market
Specialty/Other
Total Trust Funds
Collective/Common Trust Fund Accounts
Domestic Equity
International/Global Equity
Stock/Bond Blend
Taxable Bond
Municipal Bond
Short Term/Money Market
Specialty/Other
Total Trust Funds
BANK ONE
Fiduciary & Related Services--Page 14
9/30/2012
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%MGD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%MGD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%FID IN
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
ONE, GA
12/31/2011
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
12/31/2012
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%MGD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%MGD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%FID IN
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Bank
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
PCT
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Bank
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
PCT
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Fiduciary Services-a
Bank
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
PCT
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
%Change
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
%Change
FDIC Certificate # 111
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 11111
County: ONE
Gross Fiduciary Losses - Managed
Personal Trust and Agency
EB & Retirement Related Trust & Agency
Inv Mgmt & Inv Advisory Agency
Other Fiduciary
Total Gross Managed Losses
'($000)'
N/A
N/A
N/A
N/A
N/A
Gross Fiduciary Losses - Non Managed
Personal Trust and Agency
EB & Retirement Related Trust & Agency
Inv Mgmt & Inv Advisory Agency
Other Fiduciary
Total Gross Non Managed Losses
N/A
N/A
N/A
N/A
N/A
Net Fiduciary Losses - ALL
Personal Trust and Agency
EB & Retirement Related Trust & Agency
Inv Mgmt & Inv Advisory Agency
Other Fiduciary
Total Net Losses
Corporate Trust and Agency
Corporate and Muni Trusteeships
Issues in Default
All Other Corporate
Managed Assets in Fiduciary Accts
Noninterest-Bearing Deposits
Interest-Bearing Deposits
U.S. Treasury & Agency
State, County & Municipal
Money Market Mutual Funds
Equity Mutual Funds
Other Mutual Funds
Common & Collective Funds
Other Short-Term Obligations
Other Notes and Bonds
Unregistered Funds & Private Equity
Other Common & Preferred Stocks
Real Estate Mortgages
Real Estate
Miscellaneous Assets
Total Managed Assets
Memo: Fiduciary Assets in Advised or Sponsored Mutual Funds
Peer Group Descriptions for Fiduciary & Related Services:
Memo: Fiduciary Income Foreign
Collective/Common Trust Fund Assets
Domestic Equity
International/Global Equity
Stock/Bond Blend
Taxable Bond
Municipal Bond
Short Term/Money Market
Specialty/Other
Total Trust Funds
Collective/Common Trust Fund Accounts
Domestic Equity
International/Global Equity
Stock/Bond Blend
Taxable Bond
Municipal Bond
Short Term/Money Market
Specialty/Other
Total Trust Funds
12/31/2012
%Rev
N/A
N/A
N/A
N/A
N/A
BANK ONE
Fiduciary & Related Services--Page 14A
N/A
N/A
N/A
N/A
N/A
PCT
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
#ISS
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
9/30/2012
%Rev
N/A
N/A
N/A
N/A
N/A
ONE, GA
N/A
N/A
N/A
N/A
N/A
PCT
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
#ISS
%Change
'($000)'
#ISS
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Fiduciary Services-b
12/31/2011
%Rev
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
PCT
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Peer Number
Net Interest Income (TE):
Avg Assets
Net Income:Avg Assets
Fiduciary Activities (inc)
Deposit Service Charges
Noninterest Income:
Avg Assets
Net from Trading Fees &
Comms (if available)
Foreign Exchange Trading
(if available)
Average Assets per
employee-$MM
Other Non-Interest Income
Personnel Expense:
Avg Assets
Non-interest expense:
Avg Assets
Provision for loan & lease
losses: Avg Assets
Average Personnel Exp
per equiv Emp-$M
Occupancy Expense:
Avg Assets
Realized G/L
HTM Securities
Premises, fixed assets:
Avg Assets
Avg Assets per domesic
office
Other operating expenses:
Avg Assets
Effiency Ratio
Realized G/L
AFS Securities
Net Extraordinary Items:
Avg Assets
Applicable Income Tax:
Avg Assets
Total Loans & Leases
(Yield On)
Real Estate Loans
(yield on)
Real Estate Loans
Avg Gross Lns & Leases
Interest Income (TE):
Avg Earning Assets
Interest Income (TE):
Avg Assets
Other Interest Income
US Treasury & agency
Securities
Commercial & Industria
Loans (yield on)
Commercial & Industrial
Avg Gross Lns & Leases
Investment Securities
(Yield On)
Mortgage backed securities
(yield on)
Loans to Individuals
(yield on)
Loans to Individuals
Avg Gross Lns & Leases
Interest Bearing Bank
Balances (Yield On)
All other securities
(yield on)
Agriculture Loans
(yield on)
Agriculture Loans:
Avg Gross Lns & Leases
Average Earning Assets
Avg Assets
Net Loans and Leases
Avg Assets
Debt Securities:
Avg Assets
Interest-Bearing Bank
Balances: Avg Assets
Federal Funds Sold
Avg Assets
Trading Acct Securities:
Avg Assets
Equity Securities:
Avg Assets
Federal Funds Sold
(Yield On)
Interest Expense
Avg Assets
Page 2
Transactions Accounts
(cost of)
All other time deposits
(cost of)
Other savings & deposits
(cost of)
Foreign Office Deposits
(cost of)
Total Interest Bearing
Deposits (cost of)
Interest Expense
Avg Earning Assets
Time deps over $100M
(cost of)
Federal Funds Purchased
& Repos (cost of)
Other Borrowings (+ note
option) (cost of)
Subord Notes &
Debentures (cost of)
Interest-Bearing Funds
Avg Assets
Page 3
Interest-bearing transaction
accts:avg assets
Foreign office deposits
avg assets
Interest-bearing non-trans
accts:avg assets
Other borrowings:
avg assets
Federal funds & repos
avg assets
Subord notes & debentures
avg assets
BANK TWO
FDIC Certificate # 22222
OCC Charter # 0
Public Report
FRB District/ID_RSSD 9 / 222222
County: TWO
TWO BANK
TWO, MN
December 31, 2012 Uniform Bank Performance Report
Information
Introduction
This uniform bank performance report covers the operations of a bank and that of a
comparable group of peer banks. It is provided as a bank management tool by the Federal
Financial Institutions Examination Council. Detailed information
concerning the content of this report is provided in the Users Guide for the Uniform
Bank Performance Report found online at www.ffiec.gov.
This report has been produced for the use of the federal regulators of financial
institutions in carrying out their supervisory responsibilities. All information contained herein
was obtained from sources deemed reliable however no guarantee is given as to
the accuracy of the data. The information contained in this report are not to be construed
as a rating or other evaluation of a financial institution by a federal banking regulator.
The quarterly report of condition and income is the principal source of information
for this report. Please refer to that document for additional financial information and
an explanation of the accounting standards that underlie data shown herein.
For questions regarding content of reports contact:
1-888-237-3111 or email: cdr.help@ffiec.gov
Financial Institution Address:
TWO BANK
2222 SECOND AVENUE SOUTHWEST
TWO
MN
22222The Current Federal Regulator is:
Federal Deposit Insurance Corporation
The bank was established on: 5/1/1955
The current peer group for this bank is: 5
Insured commercial banks having assets between $100 million and $300 million, with 3 or more
full service banking offices and not located in a metropolitan statistical area
Table of Contents
Table of Contents
Section
Cover Page
Summary Ratios--Page 1
Income Statement $--Page 2
Noninterest Income, Expenses and Yields--Page 3
Balance Sheet $--Page 4
Off Balance Sheet Items--Page 5
Derivative Instruments--Page 5A
Derivative Analysis--Page 5B
Balance Sheet Percentage Composition--Page 6
Analysis of Credit Allowance and Loan Mix--Page 7
Analysis of Credit Allowance and Loan Mix--Page 7A
Analysis of Concentrations of Credit--Page 7B
Analysis of Past Due, Nonaccrual & Restructured--Page 8
Analysis of Past Due, Nonaccrual & Restructured--Page 8A
Interest Rate Risk Analysis as a Percent of Assets--Page 9
Liquidity & Funding--Page 10
Liquidity & Investment Portfolio--Page 10A
Capital Analysis--Page 11
Capital Analysis--Page 11A
One Quarter Annualized Income Analysis--Page 12
Securitization & Asset Sale Activities--Page 13
Securitization & Asset Sale Activities--Page 13A
Securitization & Asset Sale Activities--Page 13B
Fiduciary & Related Services--Page 14
Fiduciary & Related Services--Page 14A
Bank Holding Company Information:
FRB District / ID_RSSD 9 / 2222222
SECOND FINANCIAL GROUP, INC.
TWO, MN
FootNotes:
Financial data in the Uniform Bank Performance Report may have been adjusted
as a result of information shown in footnotes below. Please refer to the
Uniform Bank Performance Report Users Guide online for details.
Bank has elected Subchapter S tax treatment during one or more of the quarters listed.
The UBPR will display ratio Net Income Adjusted for Subchapter S on Summary Ratios and One Quarter Annualized Income Analysis pages.
FDIC Certificate # 22222
OCC Charter # 0
Public Report
FRB District/ID_RSSD 9 / 222222
County: TWO
TWO BANK
Summary Ratios--Page 1
TWO, MN
Summary Ratios
BANK
12/31/2012
PG 5
PCT
BANK
12/31/2011
PG 3
PCT
BANK
12/31/2010
PG 5
PCT
BANK
12/31/2009
PG 5
PCT
BANK
12/31/2008
PG 5
PCT
4.16
0.60
3.55
0.71
3.82
0.14
0.30
0.06
0.37
0.34
0.54
0.00
0.24
0.34
4.35
0.65
3.68
0.67
2.93
0.21
1.24
0.05
1.30
1.01
1.02
0.00
0.86
1.01
37
45
42
60
89
45
9
72
9
11
19
99
8
11
4.61
0.88
3.72
0.51
3.89
0.13
0.21
0.08
0.29
0.27
0.12
0.00
0.19
0.27
4.50
0.90
3.60
0.71
2.93
0.53
0.89
0.05
0.95
0.67
0.68
0.00
0.60
0.67
57
49
58
35
88
17
20
74
21
23
21
98
20
23
5.13
1.24
3.89
0.62
4.15
1.33
-0.97
-0.01
-0.98
-0.98
-0.74
0.00
-0.98
-0.98
5.01
1.21
3.81
0.70
3.02
0.47
1.04
0.04
1.08
0.83
0.92
0.00
0.71
0.83
58
54
57
44
93
91
5
7
5
4
4
99
4
4
5.80
1.58
4.22
0.67
4.24
0.32
0.33
0.00
0.33
0.29
0.33
0.00
0.22
0.29
5.39
1.62
3.76
0.72
3.08
0.54
0.89
0.03
0.91
0.70
0.83
0.00
0.59
0.70
81
47
80
48
93
44
23
47
21
23
20
99
21
24
6.04
1.98
4.07
0.87
4.23
0.18
0.52
0.00
0.52
0.48
0.44
N/A
0.34
0.48
6.09
2.27
3.82
0.76
3.01
0.30
1.27
0.00
1.23
0.94
1.03
0.00
0.80
0.93
46
26
69
65
93
41
15
17
16
21
14
N/A
16
21
Margin Analysis:
Avg Earning Assets to Avg Assets
Avg Int-Bearing Funds to Avg Assets
Int Inc (TE) to Avg Earn Assets
Int Expense to Avg Earn Assets
Net Int Inc-TE to Avg Earn Assets
93.25
78.00
4.46
0.65
3.81
92.23
73.97
4.73
0.71
4.00
60
72
33
43
39
94.40
80.58
4.88
0.94
3.95
93.16
79.79
4.85
0.96
3.88
64
50
51
47
55
93.96
79.94
5.46
1.32
4.14
92.32
76.73
5.44
1.31
4.13
68
70
51
51
50
93.86
83.06
6.18
1.68
4.50
92.70
77.16
5.81
1.75
4.06
65
85
76
45
78
92.59
78.25
6.53
2.13
4.39
93.16
76.94
6.54
2.44
4.10
37
56
50
27
70
Loan & Lease Analysis:
Net Loss to Average Total LN&LS
Earnings Coverage of Net Losses (X)
LN&LS Allowance to LN&LS Not HFS
LN&LS Allowance to Net Losses (X)
LN&LS Allowance to Total LN&LS
Total LN&LS-90+ Days Past Due
-Nonaccrual
-Total
-0.09
N/A
1.91
N/A
1.90
0.06
1.73
1.79
0.34
18.14
1.63
11.49
1.62
0.11
1.37
1.65
2
N/A
69
N/A
68
59
65
63
0.44
1.15
1.59
3.43
1.58
0.01
1.60
1.61
0.80
7.50
1.93
4.85
1.90
0.08
2.64
2.79
43
22
40
55
40
49
42
39
1.47
0.33
1.65
1.07
1.64
0.24
3.83
4.07
0.57
9.51
1.59
5.70
1.58
0.14
1.71
1.92
88
5
61
9
61
75
85
84
0.36
2.15
1.19
3.35
1.19
0.00
1.60
1.60
0.59
8.91
1.44
5.29
1.44
0.18
1.62
1.91
44
29
33
53
34
33
59
51
0.28
2.97
1.11
4.19
1.11
0.08
2.51
2.59
0.32
16.46
1.27
8.86
1.27
0.19
1.15
1.43
56
19
37
43
37
51
84
81
Liquidity
Net Non Core Fund Dep New $250M
Net Loans & Leases to Assets
20.36
57.16
-1.31
58.95
97
44
-8.76
56.13
5.83
62.82
13
29
-3.22
66.82
3.03
63.57
26
56
17.05
75.11
19.17
65.30
43
80
21.30
78.59
21.94
67.75
48
83
Capitalization
Tier One Leverage Capital
Cash Dividends to Net Income
Retained Earnings to Avg Total Equity
Rest+Nonac+RE Acq to Eqcap+ALLL
8.48
0.00
3.93
61.16
9.77
41.12
4.45
16.97
20
18
43
93
8.05
0.00
3.29
75.32
9.40
28.25
2.74
31.13
19
37
42
86
8.02
0.00
-11.09
53.31
9.38
37.95
3.58
19.55
18
25
5
89
9.15
44.85
1.65
18.78
9.25
43.82
2.26
17.22
55
50
37
61
9.75
43.81
2.83
21.21
9.27
55.12
3.04
11.10
67
40
44
82
-1.72
4.15
0.08
-74.61
1,111.74
5.18
5.89
1.95
35.47
0.36
12
37
43
2
99
7.52
5.96
-9.69
11.94
-84.93
4.09
5.82
-0.56
36.82
-48.46
70
52
18
48
5
3.60
-9.63
-7.83
48.18
11.28
2.86
5.34
-0.18
48.36
-4.90
56
5
16
64
76
1.00
1.67
-3.47
8.57
69.39
5.36
5.09
1.97
99.58
3.47
28
26
23
37
95
8.95
2.87
13.95
51.19
54.69
6.88
5.09
7.83
-0.31
12.59
65
35
77
78
88
Earnings and Profitability
Percent of Average Assets:
Interest Income (TE)
- Interest Expense
Net Interest Income (TE)
+ Noninterest Income
- Noninterest Expense
- Provision: Loan & Lease Losses
Pretax Operating Income (TE)
+ Realized Gains/Losses Sec
Pretax Net Operating Income (TE)
Net Operating Income
Adjusted Net Operating Income
Net Inc Attrib to Min Ints
Net Income Adjusted Sub S
Net Income
Growth Rates
Total Assets
Tier One Capital
Net Loans & Leases
Short Term Investments
Short Term Non Core Funding
Average Total Assets
Total Equity Capital
Net Income
Number of banks in Peer Group
295,965
26,181
1,009
291,146
24,923
777
274,565
22,689
-2,696
263,933
25,468
758
257,926
24,995
1,244
835
1,170
849
845
831
FDIC Certificate # 22222
OCC Charter # 0
Public Report
FRB District/ID_RSSD 9 / 222222
County: TWO
TWO BANK
Income Statement $--Page 2
TWO, MN
Income Statement $
12/31/2012
10,845
0
0
0
10,845
12/31/2011
12,131
0
0
0
12,131
12/31/2010
13,315
0
0
0
13,315
12/31/2009
14,390
0
0
0
14,390
12/31/2008
14,410
0
0
0
14,410
Percent Change
1 Year
##########
N/A
N/A
N/A
-10.6
US Treas & Agency (Excl MBS)
Mortgage Backed Securities
Estimated Tax Benefit
All Other Securities
Tax-Exempt Securities Income
Investment Interest Income (TE)
661
287
73
246
143
1,267
261
443
63
225
123
992
120
43
0
238
168
401
191
0
99
298
194
588
310
0
91
286
178
687
153.26
-35.21
16.26
9.33
16.26
27.74
Interest on Due From Banks
Int on Fed Funds Sold & Resales
Trading Account Income
Other Interest Income
173
0
0
20
264
0
0
32
317
0
0
41
311
0
0
18
130
314
0
41
-34.47
N/A
N/A
-37.5
12,305
13,419
14,074
15,307
15,582
-8.3
N/A
229
580
675
305
0
N/A
670
1,526
9
370
0
N/A
1,019
1,741
11
627
0
N/A
1,440
1,834
9
888
0
N/A
1,468
2,836
61
732
0
N/A
-65.82
-61.99
7400
-17.57
N/A
1,789
2,575
3,398
4,171
5,097
-30.52
Net Interest Income (TE)
Non-interest Income
Adjusted Operating Income (TE)
10,516
2,107
12,623
10,844
1,471
12,315
10,676
1,700
12,376
11,136
1,761
12,897
10,485
2,240
12,725
-3.02
43.24
2.5
Non-Interest Expense
Provision: Loan & Lease Losses
Pretax Operating Income (TE)
11,301
425
897
11,326
390
599
11,390
3,660
-2,674
11,185
850
862
10,921
463
1,341
-0.22
8.97
49.77
Realized G/L Hld-to-Maturity Sec
Realized G/L Avail-for Sale Sec
Pretax Net Operating Inc (TE)
0
190
1,087
0
246
845
0
-17
-2,691
0
0
862
0
-1
1,340
N/A
-22.76
28.66
5
73
0
78
5
63
0
68
5
0
0
5
5
99
0
104
5
91
0
96
0
16.26
N/A
15.07
1,009
777
-2,696
758
1,244
29.86
Net Extraordinary Items
Net Inc Noncontrolling Minority Interests
Net Income
0
0
1,009
0
0
777
0
0
-2,696
0
0
758
0
N/A
1,244
N/A
N/A
29.86
Cash Dividends Declared
Retained Earnings
Memo: Net International Income
0
1,009
N/A
0
777
N/A
0
-2,696
N/A
340
418
N/A
545
699
N/A
N/A
29.86
N/A
Interest and Fees on Loans
Income From Lease Financing
Tax-Exempt
Estimated Tax Benefit
Income on Loans & Leases (TE)
Total Interest Income (TE)
Int on Deposits in Foreign Off
Interest on Time Dep Over $100M
Interest on All Other Deposits
Int on Fed Funds Purch & Repos
Int Trad Liab & Oth Borrowings
Int on Sub Notes & Debentures
Total Interest Expense
Applicable Income Taxes
Current Tax Equiv Adjustment
Other Tax Equiv Adjustments
Applicable Income Taxes (TE)
Net Operating Income
FDIC Certificate # 22222
OCC Charter # 0
Public Report
Percent of Average Assets
Personnel Expense
Occupancy Expense
Other Oper Exp (Incl Intangibles)
Total Overhead Expense
Overhead Less Nonint Inc
Other Income & Expense Ratios:
Efficiency Ratio
Avg Personnel Exp Per Empl($000)
Assets Per Employee ($Million)
Yield on or Cost of:
Total Loan & Leases (TE)
Loans in Domestic Offices
Real Estate
Secured by 1-4 Fam Resi Prop
All Other Loans Sec Real Estate
Commercial & Industrial
Individual
Credit Card
Agricultural
Loans in Foreign Offices
Total Investment Securities (TE)
Total Investment Securities (Book)
US Treas & Agency (Excl MBS)
Mortgage Backed Securities
All Other Securities
Interest-Bearing Bank Balances
Federal Funds Sold & Resales
Total Interest Bearing Deposits
Transaction accounts
Other Savings Deposits
Time Deps Over $100M
All Other Time Deposits
Foreign Office Deposits
Federal Funds Purchased & Repos
Other Borrowed Money
Subord Notes & Debentures
All Interest-Bearing Funds
Non-interest Income & Expenses
Fiduciary Activities
Deposit Service Charges
Trading, Vent Cap, Securtz Inc
Inv Banking, Advisory Inc
Insurance Comm & Fees
Net Servicing Fees
Loan & Lse Net Gains/Loss
Other Net Gains/Losses
Other Non-interest Income
Non-interest Income
Personnel Expense
Occupancy Expense
Goodwill Impairment
Other Intangible Amortiz
Other Oper Exp(incl Intangibles)
Non-Interest Expense
Domestic Banking Offices(#)
Foreign Branches (#)
Assets Per Domestic Office
FRB District/ID_RSSD 9 / 222222
County: TWO
TWO BANK
Noninterest Income, Expenses and Yields--Page 3
TWO, MN
Non Int Inc, Exp, Yields
BANK
1.89
0.71
1.21
3.82
3.11
12/31/2012
PG 5
1.57
0.37
0.98
2.93
2.22
PCT
82
97
77
89
90
BANK
1.88
0.80
1.21
3.89
3.38
12/31/2011
PG 3
1.50
0.37
1.04
2.93
2.19
PCT
82
98
72
88
94
BANK
2.17
0.82
1.16
4.15
3.53
12/31/2010
PG 5
1.57
0.39
1.04
3.02
2.30
PCT
94
98
66
93
97
BANK
2.15
1.01
1.08
4.24
3.57
12/31/2009
PG 5
1.60
0.40
1.06
3.08
2.34
PCT
93
99
56
93
96
BANK
2.24
1.06
0.94
4.23
3.37
12/31/2008
PG 5
1.65
0.42
0.93
3.01
2.23
PCT
92
99
51
93
95
89.52
73.72
3.99
66.90
57.17
3.86
92
92
59
91.97
72.12
4.06
67.91
65.25
4.62
89
71
42
92.03
75.46
3.63
66.81
54.20
3.59
95
97
56
86.72
66.72
3.26
68.39
52.41
3.47
89
94
43
85.82
66.39
3.15
65.42
51.34
3.32
93
95
46
6.23
6.23
6.32
5.20
6.64
5.90
16.57
N/A
5.72
N/A
1.80
1.70
2.20
0.92
2.71
0.56
N/A
0.44
0.04
0.37
0.87
1.33
N/A
6.01
5.99
5.88
6.03
5.80
6.17
8.07
9.46
5.71
0.00
2.75
2.35
1.70
2.28
3.17
0.43
0.19
0.81
0.26
0.35
1.28
1.27
0.00
66
67
78
13
88
42
99
N/A
55
N/A
14
16
77
5
29
69
N/A
9
2
60
15
57
N/A
6.62
6.62
6.72
5.65
7.03
6.52
17.68
N/A
6.19
N/A
2.32
2.17
1.83
1.98
3.65
0.55
N/A
0.99
0.18
0.95
1.76
1.57
N/A
5.84
5.82
5.76
5.76
5.78
5.93
7.50
9.70
6.03
4.62
3.19
2.87
2.10
3.10
3.65
0.33
0.18
1.03
0.41
0.50
1.57
1.63
0.23
90
90
93
46
95
75
98
N/A
60
N/A
16
17
41
10
46
81
N/A
46
27
91
67
47
N/A
6.57
6.57
6.70
5.39
7.03
5.98
18.07
N/A
6.64
N/A
2.89
2.89
1.98
2.54
3.90
0.79
N/A
1.38
0.30
1.29
2.61
1.68
N/A
6.41
6.38
6.29
6.51
6.17
6.52
8.35
9.27
6.17
0.00
3.77
3.33
2.69
3.73
3.83
0.65
0.18
1.48
0.51
0.72
2.08
2.12
0.00
65
66
77
8
87
32
99
N/A
72
N/A
17
25
21
12
54
66
N/A
40
35
91
84
16
N/A
6.82
6.82
6.96
5.68
7.29
6.19
16.27
N/A
6.83
N/A
4.67
3.88
2.51
N/A
5.97
1.37
N/A
1.70
0.14
1.00
3.44
2.48
N/A
6.58
6.56
6.46
6.76
6.29
6.59
8.59
9.53
6.30
0.00
4.46
4.03
3.71
4.44
3.99
1.04
0.19
2.01
0.65
0.94
2.81
2.85
0.00
69
70
80
8
90
38
99
N/A
73
N/A
59
37
12
N/A
96
63
N/A
26
3
59
89
21
N/A
6.99
6.99
7.04
5.71
7.29
6.58
12.11
N/A
7.13
N/A
5.32
4.61
3.74
N/A
6.17
3.45
2.14
2.40
1.73
1.29
4.69
3.78
N/A
7.25
7.23
7.11
7.26
7.04
7.19
8.98
10.42
7.10
0.00
5.02
4.56
4.65
4.85
4.18
2.43
2.23
2.89
1.00
1.51
3.95
3.93
0.00
33
34
49
4
67
24
96
N/A
53
N/A
72
54
11
N/A
95
69
40
17
86
36
94
34
N/A
1.85
3.39
N/A
0.78
0.36
2.71
7.40
0.88
94
60
N/A
37
0.36
3.35
N/A
1.10
0.61
2.69
4.86
1.13
40
58
N/A
47
0.61
3.56
N/A
1.55
0.63
3.16
8.00
1.57
52
51
N/A
48
0.27
3.74
N/A
1.90
0.77
3.20
7.44
2.09
32
55
N/A
36
1.73
3.90
N/A
2.53
2.16
3.90
4.52
2.95
27
45
N/A
20
0
460
0
121
696
0
0
131
699
2,107
5,603
2,116
0
0
3,582
11,301
10
0
30,316
0
486
0
42
677
0
0
-186
452
1,471
5,481
2,333
0
0
3,512
11,326
10
0
30,848
0
513
0
33
695
0
0
-29
488
1,700
5,961
2,255
0
0
3,174
11,390
10
0
28,691
0
691
0
46
732
0
0
-204
496
1,761
5,671
2,655
0
0
2,859
11,185
10
0
27,695
0
712
0
66
751
0
0
180
531
2,240
5,776
2,730
0
0
2,415
10,921
10
0
27,419
FDIC Certificate # 22222
OCC Charter # 0
Public Report
FRB District/ID_RSSD 9 / 222222
County: TWO
12/31/2012
TWO BANK
Balance Sheet $--Page 4
12/31/2011
TWO, MN
12/31/2010
Balance Sheet $
12/31/2009
12/31/2008
Percent Change
1 Quarter
1 Year
Assets:
Real Estate Loans
Commercial Loans
Individual Loans
Agricultural Loans
Other LN&LS in Domestic Offices
LN&LS in Foreign Offices
Loans Held for Sale
Loans not Held for Sale
LN&LS Allowance
Net Loans & Leases
U.S. Treasury & Agency Securities
Municipal Securities
Foreign Debt Securities
All Other Securities
Interest-Bearing Bank Balances
Federal Funds Sold & Resales
Trading Account Assets
Total Investments
Total Earning Assets
142,005
28,694
2,928
731
2,535
N/A
431
176,212
3,362
173,281
77,340
14,725
0
0
12,707
0
0
104,772
278,053
145,429
24,588
2,626
698
2,770
N/A
1,487
174,428
2,772
173,143
49,280
7,181
0
0
53,470
0
0
109,931
283,074
160,933
28,455
1,913
763
3,023
N/A
1,653
193,261
3,190
191,724
20,048
6,790
0
0
48,880
0
0
75,718
267,442
175,691
30,039
2,153
856
2,092
N/A
112
210,422
2,513
208,021
8,988
6,411
0
0
33,111
0
0
48,510
256,531
174,362
38,840
2,104
744
2,190
N/A
0
217,907
2,413
215,494
7,208
6,138
0
10
25,191
0
0
38,547
254,041
-0.78
16.32
1.53
3.84
-1.67
N/A
97.71
1.57
8.42
1.57
12.34
13.23
N/A
N/A
-29.83
N/A
N/A
4.81
2.77
-2.35
16.70
11.50
4.73
-8.48
N/A
-71.02
1.02
21.28
0.08
56.94
105.06
N/A
N/A
-76.24
N/A
N/A
-4.69
-1.77
Nonint Cash & Due From Banks
Premises, Fix Assts, Cap Leases
Other Real Estate Owned
Dir & Indir Inv RE Ventures
Inv in Unconsolidated Subs
Acceptances & Oth Assets
Total Assets
Average Assets During Quarter
8,747
9,269
4,884
0
0
2,209
303,162
298,768
6,619
9,540
6,252
0
0
2,997
308,482
302,103
4,375
7,197
4,239
0
0
3,661
286,914
286,181
6,303
7,853
1,888
0
0
4,375
276,950
277,477
8,250
8,533
340
0
0
3,034
274,198
256,350
-8.24
-0.90
-1.99
N/A
N/A
-3.03
2.17
0.41
32.15
-2.84
-21.88
N/A
N/A
-26.29
-1.72
-1.10
Liabilities:
Demand Deposits
All Now & ATS Accounts
Money Market Deposit Accounts
Other savings Deposits
Time Deps At Or Below Insurance Limit
Less: Fully Insured Brokered Deposits
Core Deposits
Fully Insured Brokered Deposits
Time Deps Above Insurance Limit
Deposits in Foreign Offices
Total Deposits
Federal Funds Purch & Resale
Fed Home Loan Bor Mat < 1 Year
Fed Home Loan Bor Mat > 1 Year
Oth Borrowing Mat < 1 Year
Oth Borrowing Mat > 1 Year
Acceptances & Other Liabilities
Total Liabilities (Incl Mortg)
Subordinated Notes & Debentures
Total Bank Capital & Min Int
Total Liabilities & Capital
43,843
75,788
63,299
1,427
23,062
0
207,419
0
19,180
0
226,600
49,527
0
0
0
0
854
276,981
0
26,181
303,162
39,669
50,313
125,328
1,310
31,336
0
247,956
0
19,408
0
267,363
3,980
0
11,000
0
0
1,216
283,559
0
24,923
308,482
35,221
47,293
101,894
1,718
35,374
0
221,500
0
29,289
0
250,789
1,500
0
11,000
102
0
834
264,225
0
22,689
286,914
8,369
12,603
84,793
50,741
28,265
6,039
178,732
6,039
41,492
0
226,263
1,895
7,000
15,000
107
0
1,217
251,482
0
25,468
276,950
9,915
12,332
77,441
46,545
33,384
10,148
169,469
10,148
40,735
0
220,351
3,179
2,000
22,000
115
0
1,558
249,203
0
24,995
274,198
2.70
12.66
9.45
-17.32
-14.39
N/A
5.58
N/A
-1.55
N/A
4.94
2.09
N/A
-100.00
N/A
N/A
-8.27
2.44
N/A
-0.59
2.17
10.52
50.63
-49.49
8.93
-26.40
N/A
-16.35
N/A
-1.17
N/A
-15.25
1,144.40
N/A
-100.00
N/A
N/A
-29.77
-2.32
N/A
5.05
-1.72
3
4,865
0
92,065
0
3
4,189
0
56,461
0
3
6,966
0
26,838
2,089
2
4,683
0
15,399
6,039
1
2,232
5,453
7,903
10,148
7.40
N/A
12.48
N/A
16.14
N/A
63.06
N/A
Memoranda:
Officers, Shareholder Loans (#)
Officers, Shareholder Loans ($)
Held-to-Maturity Securities
Available-for-Sale Securities
All Brokered Deposits
FDIC Certificate # 22222
OCC Charter # 0
Public Report
FRB District/ID_RSSD 9 / 222222
County: TWO
TWO BANK
Off Balance Sheet Items--Page 5
BANK
0.77
0.00
2.86
0.00
2.86
0.00
3.54
7.17
0.00
12/31/2012
PG 5
0.74
0.13
0.95
0.26
0.61
0.00
5.43
7.96
0.00
BANK
1.08
0.00
2.99
0.00
2.99
0.00
2.70
6.77
0.00
12/31/2011
PG 3
1.53
0.17
1.52
0.34
1.03
0.00
5.47
9.48
0.00
PCT
61
75
91
21
94
92
39
50
99
PCT
45
69
83
16
89
86
26
32
99
Standby Letters of Credit
Amount Conveyed to Others
Commercial Letters of Credit
0.20
N/A
0.00
0.20
0.00
0.01
60
N/A
87
0.14
N/A
0.00
0.35
0.00
0.01
Assets Securitized or Sold w/Rec
Amount of Recourse Exposure
0.00
0.00
0.39
0.03
82
83
0.00
0.00
Credit Derivatives Bank as Guarantor
Credit Derivatives Bank as Beneficiary
0.00
0.00
0.00
0.00
99
99
All Oth Off-Balance Sheet Items
0.00
0.06
Off-Balance Sheet Items
7.37
9.64
Outstanding (% of Total)
Home Equity (1-4 Family)
Credit Card
Commercial RE Secured by RE
1-4 Family Residential
Comml RE, Oth Const & Land
Commercial RE Not Secured by RE
All Other
Total LN&LS Commitments
Securities Underwriting
Outstanding ($000)
Home Equity (1-4 Family)
Credit Card
Commercial RE Secured by RE
1-4 Family Residential
Commercial RE, Oth Const & Land
Commercial RE Not Secured by RE
All Other
Securities Underwriting
Memo: Unused Commit w/mat GT 1 YR
TWO, MN
BANK
1.22
0.00
2.79
0.00
2.79
0.00
3.47
7.48
0.00
12/31/2010
PG 5
0.79
0.16
0.88
0.25
0.57
0.00
5.22
7.72
0.00
PCT
70
73
92
19
95
91
39
53
99
31
N/A
85
0.16
N/A
0.00
0.23
0.00
0.01
0.23
0.02
81
82
0.00
0.00
0.00
0.00
0.00
0.01
99
99
90
0.00
0.09
43
6.92
11.09
Off Balance Sheet Items
BANK
1.55
0.00
0.88
0.00
0.88
0.00
7.78
10.21
0.00
12/31/2009
PG 5
0.79
0.19
0.99
0.30
0.63
0.00
5.20
7.88
0.00
PCT
76
72
51
19
66
91
76
74
99
49
N/A
87
0.44
N/A
0.00
0.24
0.00
0.01
0.38
0.02
84
86
0.00
0.00
0.00
0.00
0.00
0.00
99
99
86
0.00
0.12
26
7.64
9.43
Percent Change
1 Quarter
1 Year
BANK
2.47
0.00
1.13
0.00
1.13
0.00
6.52
10.12
0.00
12/31/2008
PG 5
0.84
0.21
1.40
0.39
0.92
0.00
5.68
8.95
0.00
PCT
86
70
48
17
63
87
64
64
99
78
N/A
87
0.58
0.00
0.00
0.27
0.01
0.01
81
97
86
0.28
0.01
86
87
0.00
0.00
0.22
0.01
86
86
0.00
0.00
0.00
0.00
99
99
0.00
0.00
0.00
0.00
99
99
88
0.00
0.11
88
0.00
0.11
89
45
10.65
9.56
64
10.70
10.72
58
2,334
0
8,678
0
8,678
0
10,727
0
13,478
3,340
0
9,226
0
9,226
0
8,333
0
14,384
3,508
0
7,993
0
7,993
0
9,955
0
13,019
4,284
0
2,431
0
2,431
0
21,556
0
17,575
6,778
0
3,088
0
3,088
0
17,888
0
15,542
10.09
N/A
-0.38
N/A
-0.38
N/A
-4.26
N/A
0.10
-30.12
N/A
-5.94
N/A
-5.94
N/A
28.73
N/A
-6.30
597
N/A
0
436
N/A
0
467
N/A
0
1,216
N/A
0
1,593
0
0
-8.99
N/A
N/A
36.93
N/A
N/A
Assets Securitized or Sold w/recourse
Amount of Recourse Exposure
0
0
0
0
0
0
0
0
0
0
N/A
N/A
N/A
N/A
Credit Derivatives Bank as Guarantor
Credit Derivatives Bank as Beneficiary
0
0
0
0
0
0
0
0
0
0
N/A
N/A
N/A
N/A
All Oth Off-Balance Sheet Items
0
0
0
0
0
N/A
N/A
22,336
21,335
21,923
29,487
29,347
-1.56
4.69
Standby Letters of Credit
Amount Conveyed to Others
Commercial Letters of Credit
Off-Balance Sheet Items
FDIC Certificate # 22222
OCC Charter # 0
Public Report
FRB District/ID_RSSD 9 / 222222
County: TWO
12/31/2012
TWO BANK
Derivative Instruments--Page 5A
12/31/2011
TWO, MN
12/31/2010
Derivative Instruments
12/31/2009
12/31/2008
Notional Amount ($000)
Derivative Contracts
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Derivatives Position
Future and Forwards
Written Options
Exchange Traded
Over-the-Counter
Purchased Options
Exchange Traded
Over-the-Counter
Swaps
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Held-for-Trading
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
Non-Traded
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
Memo: Marked-to-Market
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Derivative Contracts (RBC Def)
One Year or Less
Over 1 Year to 5 Years
Over 5 Years
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
N/A
0
0
0
0
0
0
N/A
0
0
0
0
0
0
N/A
0
0
0
0
0
0
N/A
0
0
0
0
0
0
N/A
0
0
0
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Gross Negative Fair Value
Gross Positive Fair Value
Held-for-Trading
Non-Traded
Memo: Marked-to-Market
Curr Credit Exp on RBC Derivatives Contr
Credit Losses Off_BS Derivatives
Past Due Derivatives Instruments:
Fair Value Carried as Assets
Impact Nontraded Derivatives Contracts:
Increase (Decr) in Interest Inc
Increase (Decr) in Interest Exp
Increase (Decr) in Nonint ALLOC
Increase (Decr) in Net Income
FDIC Certificate # 22222
OCC Charter # 0
Public Report
FRB District/ID_RSSD 9 / 222222
County: TWO
TWO BANK
Derivative Analysis--Page 5B
TWO, MN
Derivative Analysis
BANK
N/A
N/A
N/A
12/31/2012
PG 5
84.02
0.00
0.16
PCT
N/A
N/A
N/A
BANK
N/A
N/A
N/A
12/31/2011
PG 3
98.33
0.84
0.83
PCT
N/A
N/A
N/A
BANK
N/A
N/A
N/A
12/31/2010
PG 5
17.13
0.00
0.68
PCT
N/A
N/A
N/A
BANK
N/A
N/A
N/A
12/31/2009
PG 5
11.51
0.00
1.38
PCT
N/A
N/A
N/A
BANK
N/A
N/A
N/A
12/31/2008
PG 5
2.25
0.00
1.09
PCT
N/A
N/A
N/A
Derivatives Position
Futures and Forwards
Written Options
Exchange Traded
Over-the-Counter
Purchased Options
Exchange Traded
Over-the-Counter
Swaps
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
26.68
25.92
0.94
25.60
0.00
0.00
0.00
2.43
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
23.10
22.58
0.39
22.36
0.16
0.75
0.00
6.23
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
23.25
25.09
0.00
25.09
1.42
0.87
0.36
2.54
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
20.71
22.82
0.00
22.82
3.37
1.09
2.22
2.30
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
13.18
22.70
0.00
22.70
2.02
0.00
2.02
6.10
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Held-for-Trading
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
Non-Traded
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
Memo: Marked-to-Market
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
1.23
2.07
0.00
0.15
7.37
6.14
0.00
0.00
7.37
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
1.66
1.66
0.00
0.00
6.27
11.12
0.84
0.83
6.27
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
1.26
1.26
0.00
0.00
8.57
12.37
0.00
0.68
8.57
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.84
0.84
0.00
0.00
4.93
8.44
0.00
1.38
4.93
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
1.05
1.05
0.00
0.00
3.34
2.66
0.00
1.09
3.34
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Derivative Contracts (RBC Def)
One Year or Less
Over 1 Year to 5 Years
Over 5 Years
N/A
N/A
N/A
N/A
34.38
25.42
0.10
4.79
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
37.37
23.55
7.09
5.34
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
30.38
20.52
0.76
2.78
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
27.74
19.58
3.00
1.74
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
26.32
16.62
5.68
0.34
N/A
N/A
N/A
N/A
Gross Negative Fair Value
Gross Positive Fair Value
N/A
N/A
0.26
0.70
N/A
N/A
N/A
N/A
0.72
0.63
N/A
N/A
N/A
N/A
0.22
0.47
N/A
N/A
N/A
N/A
0.13
0.49
N/A
N/A
N/A
N/A
0.35
1.26
N/A
N/A
By Tier One Capital:
Gross Negative Fair Value (x)
Gross Positive Fair Value (x)
Held-for-Trading (x)
Non-Traded (x)
Non-Traded Marked-to-Mkt(x)
Current Credit Exposure (x)
Credit Losses on Derivatives
0.00
0.00
0.00
0.00
0.00
0.00
N/A
0.00
0.00
0.00
0.00
0.00
0.00
0.00
96
94
98
88
88
97
N/A
0.00
0.00
0.00
0.00
0.00
0.00
N/A
0.00
0.00
0.02
0.04
0.04
0.00
0.00
87
83
96
71
71
92
N/A
0.00
0.00
0.00
0.00
0.00
0.00
N/A
0.00
0.00
0.00
0.00
0.00
0.00
0.00
97
95
98
89
89
98
N/A
0.00
0.00
0.00
0.00
0.00
0.00
N/A
0.00
0.00
0.00
0.00
0.00
0.00
0.00
97
95
99
90
90
97
N/A
0.00
0.00
0.00
0.00
0.00
0.00
N/A
0.00
0.00
0.00
0.00
0.00
0.00
0.00
97
95
98
91
91
97
N/A
Past Due Derivative Instruments:
Fair Value Carried as Assets
0.00
0.00
96
0.00
0.00
99
0.00
0.00
94
0.00
0.00
90
0.00
0.00
92
0.00
N/A
0.00
0.00
97
N/A
0.00
N/A
0.00
0.00
91
N/A
0.00
N/A
0.00
0.00
97
N/A
0.00
N/A
0.00
0.00
97
N/A
0.00
N/A
0.00
0.00
97
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
Percent of Notional Amounts
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
Other Ratios:
Cur Credit Exposure/Risk WT AST
Credit Losses on Derivatives/CR Allow
Impact Nontraded Derivatives Contracts:
Incr(Dec) Interest Inc/Net Inc
Incr(Dec) Interest Exp/Net Inc
Incr(Dec) Nonint ALLOC/Net Inc
Incr(Dec) Net Income/Net Inc
FDIC Certificate # 22222
OCC Charter # 0
Public Report
FRB District/ID_RSSD 9 / 222222
County: TWO
TWO BANK
Balance Sheet Percentage Composition--Page 6
TWO, MN
Balance Sheet %
Percent of Average Assets
Loans Held For Sale
Loans Not Held For Sale
Less: LN&LS Allowance
Net Loans & Leases
BANK
0.19
58.16
1.01
57.35
12/31/2012
PG 5
0.06
60.45
0.99
59.62
PCT
82
40
56
41
BANK
0.26
62.51
1.11
61.66
12/31/2011
PG 3
0.19
64.47
1.22
63.82
PCT
72
40
49
39
BANK
0.18
72.60
0.91
71.88
12/31/2010
PG 5
0.06
65.54
0.98
64.67
PCT
83
72
46
73
BANK
0.10
76.48
0.86
75.72
12/31/2009
PG 5
0.05
67.25
0.90
66.44
PCT
78
78
47
78
BANK
0.21
78.74
0.93
78.03
12/31/2008
PG 5
0.04
68.13
0.83
67.36
PCT
88
82
66
83
Interest-Bearing Bank Balances
Federal Funds Sold & Resales
Trading Account Assets
Held-to-Maturity Securities
Available-for-Sale Securities
10.53
0.00
0.00
0.00
23.92
5.15
1.26
0.01
0.95
21.59
81
34
98
61
58
16.60
0.00
0.00
0.00
14.41
5.13
0.68
0.01
0.71
18.88
94
39
97
60
40
15.19
0.00
0.00
0.00
5.67
3.29
1.58
0.00
0.96
18.33
97
20
99
60
13
11.83
0.00
0.00
1.03
4.24
2.01
1.70
0.01
0.96
18.24
95
9
98
75
9
2.78
4.77
0.00
2.58
3.11
0.83
2.09
0.02
0.99
18.26
86
86
97
82
7
91.80
91.36
54
92.68
91.72
61
92.73
91.26
69
92.82
91.47
69
91.28
91.46
42
2.40
3.14
1.80
0.00
0.00
0.86
8.20
100.00
2.87
1.91
0.54
0.00
0.00
2.88
8.64
100.00
43
85
88
98
89
1
45
99
2.00
2.58
1.65
0.00
0.00
1.09
7.32
100.00
1.82
1.78
0.82
0.01
0.00
3.31
8.28
100.00
64
77
78
95
86
4
38
99
1.78
2.69
1.35
0.00
0.00
1.46
7.27
100.00
2.58
2.01
0.49
0.00
0.00
3.23
8.74
100.00
27
75
86
98
89
7
30
99
2.38
2.94
0.67
0.00
0.00
1.19
7.18
100.00
2.72
2.08
0.34
0.00
0.00
3.04
8.53
100.00
44
79
78
96
89
4
30
99
3.83
3.36
0.41
0.00
0.00
1.13
8.73
100.00
2.91
2.12
0.17
0.00
0.00
3.06
8.54
100.00
82
85
81
96
89
3
57
99
0.20
0.20
59
0.16
0.37
31
0.30
0.24
66
0.51
0.26
79
1.02
0.29
91
Liabilities
Demand Deposits
All NOW & ATS Accounts
Money Market Deposit Accounts
Other Savings Deposits
Time Deps At or Below Insurance Limit
Less: Fully Insured Brokered Deposits
Core Deposits
Fully Insured Brokered Deposits
Time Deps Above Insurance Limit
Deposits in Foreign Offices
Total Deposits
13.30
22.07
24.14
0.50
9.36
0.00
69.37
0.00
6.47
0.00
75.84
14.48
13.45
10.93
10.03
29.45
0.66
80.21
0.66
4.14
0.00
85.75
44
87
93
1
0
60
7
60
79
99
4
11.48
16.60
37.04
0.48
11.36
0.00
76.96
0.00
9.76
0.00
86.71
7.94
5.64
17.73
14.20
29.04
2.44
75.37
2.44
4.80
0.10
83.91
76
93
90
5
5
33
51
33
89
98
67
9.61
13.89
32.19
4.03
11.97
0.43
71.26
0.43
12.03
0.00
83.72
11.73
12.14
9.83
8.66
32.28
0.96
75.91
0.96
7.13
0.00
84.77
33
62
97
18
1
61
24
61
88
99
38
3.80
3.84
29.33
17.12
11.10
3.06
62.12
3.06
15.10
0.00
80.28
11.33
11.40
9.22
8.32
24.30
0.95
65.77
0.95
16.30
0.00
83.88
3
7
96
87
3
83
31
83
45
99
24
4.88
3.88
29.21
17.78
13.54
0.78
68.51
0.78
11.95
0.00
81.24
11.49
10.74
9.00
8.21
25.27
0.95
65.95
0.95
15.73
0.00
83.44
6
9
97
88
5
69
58
69
29
99
31
Federal Funds Purch & Repos
Total Fed Home Loan Borrowings
Total Other Borrowings
Memo: Sht Ter N Core Funding
12.76
2.53
0.00
16.12
0.49
1.93
0.01
5.00
99
65
86
97
1.19
3.74
0.01
8.06
1.27
3.04
0.03
9.57
61
61
71
44
0.85
6.33
0.04
12.17
0.64
3.02
0.02
14.95
74
78
82
36
1.61
8.51
0.03
8.10
0.80
3.71
0.03
15.98
76
82
80
10
1.87
6.88
0.05
5.46
1.00
3.87
0.05
16.16
75
73
77
2
Acceptances & Other Liabilities
Total Liabilities (Incl Mortg)
0.31
91.44
0.57
89.58
26
87
0.30
91.96
0.63
89.96
17
87
0.33
91.26
0.58
90.03
23
72
0.42
90.86
0.66
90.17
26
58
0.51
90.55
0.71
90.23
32
49
0.00
8.56
100.00
0.00
10.41
100.00
99
12
93
0.00
8.04
100.00
0.05
9.99
100.00
95
12
97
0.00
8.74
100.00
0.01
9.96
100.00
99
28
93
0.00
9.14
100.00
0.01
9.82
100.00
99
41
96
0.00
9.45
100.00
0.01
9.77
100.00
99
50
93
Memo: All Brokered Deposits
Insured Brokered Deposits
0.00
0.00
0.81
0.66
59
60
0.57
0.00
2.64
2.44
45
33
1.60
0.00
1.22
1.02
72
55
3.06
3.06
1.35
0.95
79
83
0.78
0.78
1.14
0.95
67
69
Loans HFS as a % Loans
0.33
0.10
82
0.42
0.30
72
0.25
0.08
82
0.13
0.08
77
0.27
0.05
88
Total Earning Assets
Nonint Cash & Due From Banks
Premises, Fix Assts & Cap Leases
Other Real Estate Owned
Dir & Indir Inv RE Ventures
Inv in Unconsolidated Subs
Acceptances & Other Assets
Total Non-Earning Assets
Total Assets
Standby Letters of Credit
Subordinated Notes & Debentures
Total Bank Capital & Min Int
Total Liabilities & Capital
FDIC Certificate # 22222
OCC Charter # 0
Public Report
FRB District/ID_RSSD 9 / 222222
County: TWO
TWO BANK
Analysis of Credit Allowance and Loan Mix--Page 7
TWO, MN
Allowance & Loan Mix-a
BANK
0.14
41.49
12/31/2012
PG 5
0.21
21.94
PCT
45
79
BANK
0.13
6.53
12/31/2011
PG 3
0.53
12.60
PCT
17
39
BANK
1.33
28.95
12/31/2010
PG 5
0.47
16.07
PCT
91
80
BANK
0.32
1.72
12/31/2009
PG 5
0.54
24.00
PCT
44
5
BANK
0.18
6.02
12/31/2008
PG 5
0.30
36.51
PCT
41
12
-0.09
0.15
0.24
0.34
0.43
0.08
2
30
90
0.44
0.55
0.11
0.80
0.91
0.09
43
44
70
1.47
1.58
0.11
0.57
0.65
0.07
88
87
72
0.36
0.36
0.00
0.59
0.67
0.06
44
39
8
0.28
0.28
0.00
0.32
0.39
0.06
56
48
4
LN&LS Allowance to LN&LS Not HFS
LN&LS Allowance to Total LN&LS
LN&LS Allowance to Net Losses (X)
LN&LS Allowance to Nonaccrual LN&LS (X)
1.91
1.90
N/A
1.10
1.63
1.62
11.49
2.75
69
68
N/A
41
1.59
1.58
3.43
0.98
1.93
1.90
4.85
1.33
40
40
55
55
1.65
1.64
1.07
0.43
1.59
1.58
5.70
2.02
61
61
9
13
1.19
1.19
3.35
0.75
1.44
1.44
5.29
1.97
33
34
53
36
1.11
1.11
4.19
0.44
1.27
1.27
8.86
2.77
37
37
43
11
Earnings Coverage of Net Losses (X)
N/A
18.14
N/A
1.15
7.50
22
0.33
9.51
5
2.15
8.91
29
2.97
16.46
19
-0.19
N/A
0.00
0.00
0.00
0.00
0.01
-0.22
0.04
0.00
-0.31
0.00
-0.68
N/A
0.30
0.10
0.58
0.08
0.58
0.03
0.25
0.07
0.26
0.01
0.28
0.21
0.23
0.00
1
N/A
67
89
71
87
29
2
37
93
1
62
1
N/A
0.61
N/A
1.60
0.00
1.72
0.00
1.10
4.82
0.43
0.00
0.25
-0.07
0.61
N/A
0.74
0.03
1.99
1.36
1.92
0.05
0.61
0.45
0.63
0.32
0.47
0.37
0.48
0.00
56
N/A
61
63
65
82
77
96
54
75
50
2
71
N/A
0.95
N/A
0.83
4.75
0.56
0.00
1.61
3.40
1.17
0.00
0.78
0.53
1.02
N/A
0.47
0.10
1.17
0.37
1.21
0.02
0.34
0.13
0.33
0.07
0.35
0.28
0.32
0.00
79
N/A
70
92
70
86
93
96
89
90
79
76
84
N/A
0.38
N/A
1.33
16.66
0.41
0.00
0.32
0.59
0.23
0.00
0.18
0.00
0.30
N/A
0.42
6.58
1.00
0.48
1.05
0.00
0.26
0.09
0.26
0.00
0.32
0.23
0.24
0.00
62
N/A
75
97
72
90
68
89
60
94
63
63
78
N/A
0.32
N/A
0.00
0.00
0.00
0.00
1.06
1.51
0.89
0.00
0.21
0.20
0.22
N/A
0.18
3.15
0.36
0.18
0.26
0.00
0.13
0.03
0.13
0.41
0.12
0.07
0.09
0.00
75
N/A
68
80
78
94
96
96
95
96
78
84
85
N/A
Agricultural Loans
Commercial and Industrial Loans
Lease Financing
Loans to Individuals
Credit Card Plans
0.00
0.45
N/A
0.08
N/A
0.00
0.42
0.00
0.41
1.02
87
70
N/A
30
N/A
0.00
-0.46
N/A
0.45
N/A
0.02
0.97
0.00
0.69
2.00
82
1
N/A
50
N/A
0.00
4.54
N/A
0.08
N/A
0.06
0.84
0.02
0.62
1.74
76
93
N/A
20
N/A
0.00
0.29
N/A
-0.13
N/A
0.09
0.99
0.09
0.80
2.06
73
43
N/A
3
N/A
0.00
0.00
N/A
0.78
N/A
0.05
0.52
0.00
0.65
1.62
76
30
N/A
65
N/A
All Other Loans & Leases
Loans to Foreign Governments
0.00
N/A
0.06
0.00
72
N/A
-0.14
N/A
0.20
0.00
4
N/A
-0.44
N/A
0.18
0.00
2
N/A
0.00
N/A
0.22
0.00
63
N/A
1.07
N/A
0.16
0.00
90
N/A
Analysis Ratios
Loss Provision to Average Assets
Recoveries to Prior Credit Loss
Net Loss to Average Total LN&LS
Gross Loss to Average Total LN&LS
Recoveries to Average Total LN&LS
Net Losses by Type of LN&LS
Real Estate Loans
Loans to Finance Comml Real Estate
Construction & Land Development
1-4 Family Construction
Other Construction & Land
Secured by Farmland
Single & Multifamily Mortgage
Home Equity Loans
1-4 Family Non-Revolving
Multifamily Loans
Non-Farm Non-Residential Mtg
Owner Occupied Nonfarm Nonresidential
Other Nonfarm Nonresidential
RE Loans in Foreign Offices
Change: Credit Allowance ($000)
Beginning Balance
Gross Credit Losses
Memo: Loans HFS Write-down
Recoveries
Net Credit Losses
2,772
257
0
422
-165
3,190
1,017
0
209
808
2,513
3,203
0
220
2,983
2,413
760
0
10
750
2,525
581
0
5
576
Provision: Loan & Lease Losses
Other Adjustments
LN&LS Allowance
425
0
3,362
390
0
2,772
3,660
0
3,190
850
0
2,513
463
0
2,413
174,071
183,339
202,708
210,998
206,190
Average Total Loans & Leases
FDIC Certificate # 22222
OCC Charter # 0
Public Report
FRB District/ID_RSSD 9 / 222222
County: TWO
TWO BANK
Analysis of Credit Allowance and Loan Mix--Page 7A
TWO, MN
Allowance & Loan Mix-b
Loan Mix, % Average Gross LN&LS
Construction & Development
1-4 Family Construction
Other Const & Land Development
1-4 Family Residential
Home Equity Loans
Other Real Estate Loans
Farmland
Multifamily
Non-Farm Non-Residential
Owner Occupied Non-Farm Non-Residential
Other Non-Farm Non-Residential
Total Real Estate
BANK
8.03
0.24
7.79
18.25
2.12
55.72
1.96
1.46
52.30
28.51
23.79
82.00
12/31/2012
PG 5
4.46
1.08
2.98
29.02
1.63
35.72
10.15
1.36
22.52
12.04
9.20
71.17
PCT
79
17
85
23
66
96
22
61
97
95
93
73
BANK
9.87
0.70
9.17
18.06
3.10
54.51
0.79
1.37
52.35
28.07
24.28
82.44
12/31/2011
PG 3
7.95
1.52
6.08
24.39
3.43
41.98
3.39
2.94
33.71
16.88
16.15
77.02
PCT
66
31
73
33
51
83
43
30
89
89
79
62
BANK
10.60
0.68
9.92
16.69
3.90
54.99
0.59
0.82
53.58
26.78
26.80
82.28
12/31/2010
PG 5
5.38
1.46
3.52
28.91
1.71
34.06
9.12
1.17
22.17
11.53
9.35
70.41
PCT
83
32
88
20
81
97
13
50
98
94
96
78
BANK
12.15
0.69
11.47
15.73
4.67
53.22
0.65
0.71
51.87
21.07
30.79
81.11
12/31/2009
PG 5
6.25
1.90
3.89
28.62
1.63
33.00
8.60
1.03
21.90
11.04
9.62
69.97
PCT
81
24
89
18
85
96
15
50
98
86
97
78
BANK
14.57
0.31
14.26
13.22
5.47
52.83
0.60
1.05
51.17
17.64
33.53
80.62
12/31/2008
PG 5
6.95
2.44
4.07
27.45
1.54
32.06
7.97
0.95
21.76
10.73
9.80
68.76
PCT
84
11
92
15
89
96
14
62
99
75
97
80
Financial Institution Loans
Agricultural Loans
Commercial & Industrial Loans
Loans to Individuals
Credit Card Loans
Municipal Loans
Foreign Office Loans & Leases
All Other Loans
Lease Financing Receivables
0.21
0.37
14.12
1.58
0.00
0.22
0.00
1.51
0.00
0.02
7.48
11.58
6.08
0.06
0.67
0.00
0.18
0.05
97
23
69
6
74
45
99
94
80
0.00
0.29
14.23
1.23
0.00
0.24
0.00
1.57
0.00
0.00
2.00
13.38
3.51
0.07
0.59
0.06
0.28
0.05
92
52
59
27
69
53
99
91
77
0.00
0.34
14.89
0.99
0.00
0.24
0.00
1.26
0.00
0.05
7.28
12.11
6.67
0.06
0.64
0.00
0.17
0.06
95
23
70
1
71
45
99
93
79
0.00
0.33
16.30
0.99
0.00
0.26
0.00
1.01
0.00
0.02
6.75
12.65
7.12
0.07
0.64
0.00
0.19
0.05
95
23
72
1
69
44
99
91
79
0.00
0.30
16.79
1.08
0.00
0.29
0.00
0.93
0.00
0.02
6.65
13.42
7.58
0.08
0.62
0.00
0.20
0.06
96
21
71
1
67
45
99
91
78
0.00
0.00
0.00
0.03
99
83
0.00
0.00
0.00
0.12
99
69
0.00
0.00
0.00
0.04
99
81
0.00
0.00
0.00
0.05
99
79
0.00
0.00
0.00
0.06
98
78
Memorandum (% of Avg Tot Loans):
Loans & Lease Commitments
Officer, Shareholder Loans
Officer, Shareholder Loans to Assets
12.38
2.77
1.60
13.74
1.93
1.12
49
71
70
11.74
2.35
1.36
15.33
1.61
1.00
35
70
66
11.00
3.57
2.43
12.21
1.84
1.17
49
81
83
13.44
2.23
1.69
12.16
1.85
1.20
60
63
69
12.95
1.04
0.81
13.42
1.82
1.21
51
40
45
Other Real Estate Owned % Assets
Construction & Land Development
Farmland
1-4 Family
Multifamily
Non-Farm Non-Residential
Foreclosed GNMA
Foreign Offices
0.62
0.00
0.37
0.00
0.81
0.00
N/A
0.16
0.01
0.11
0.00
0.18
0.00
0.00
85
81
86
90
91
99
N/A
0.35
0.00
0.43
0.00
0.87
0.00
N/A
0.35
0.00
0.14
0.01
0.23
0.00
0.00
64
81
87
74
90
99
N/A
0.28
0.00
0.27
0.00
0.80
0.00
N/A
0.12
0.01
0.13
0.00
0.15
0.00
0.00
80
81
80
89
94
98
N/A
0.19
0.00
0.22
0.00
0.25
0.00
N/A
0.08
0.00
0.10
0.00
0.09
0.00
0.00
81
86
80
91
81
99
N/A
0.00
0.00
0.09
0.00
0.32
0.00
N/A
0.03
0.00
0.05
0.00
0.06
0.00
0.00
68
92
74
93
92
99
N/A
Subtotal
Direct and Indirect Inv
Total
1.80
0.00
1.80
0.54
0.00
0.54
88
98
88
1.65
0.00
1.65
0.82
0.01
0.88
78
95
78
1.35
0.00
1.35
0.49
0.00
0.49
86
98
86
0.67
0.00
0.67
0.34
0.00
0.34
78
96
78
0.41
0.00
0.41
0.17
0.00
0.18
81
96
81
Asset Servicing % Assets
Mortgage Servicing w/ Recourse
Mortgage Servicing w/o Recourse
Other Financial Assets
Total
0.00
0.00
0.00
0.00
0.16
2.38
0.46
3.66
88
80
96
74
0.00
0.00
0.00
0.00
0.05
2.81
0.28
4.50
88
71
86
61
0.00
0.00
0.00
0.00
0.16
1.90
0.43
3.24
89
81
96
74
0.00
0.00
0.00
0.00
0.18
1.76
1.05
3.23
89
81
96
74
0.00
0.00
0.00
0.00
0.14
1.44
0.65
2.81
90
80
97
73
Supplemental:
Loans to Foreign Governments
Loans to Finance Comml Real Est
FDIC Certificate # 22222
OCC Charter # 0
Public Report
FRB District/ID_RSSD 9 / 222222
County: TWO
TWO BANK
Analysis of Concentrations of Credit--Page 7B
TWO, MN
Concentrations of Credit
BANK
48.63
0.15
48.48
112.97
10.05
347.38
12.22
9.64
325.52
179.42
146.10
508.98
12/31/2012
PG 5
25.60
6.57
16.65
166.31
9.66
211.84
61.11
8.50
131.07
70.08
53.82
411.59
PCT
81
10
86
31
62
92
23
64
97
94
93
75
BANK
52.02
1.73
50.29
124.65
17.11
365.65
12.93
9.33
343.39
188.45
154.94
542.32
12/31/2011
PG 3
47.28
9.06
36.14
160.13
22.60
270.93
21.05
19.94
217.93
108.76
105.77
487.11
PCT
61
19
70
41
46
81
56
34
85
87
75
66
BANK
84.50
5.91
78.59
138.06
26.67
406.41
3.62
7.41
395.38
205.71
189.66
628.96
12/31/2010
PG 5
32.86
8.28
21.78
184.96
11.53
223.34
59.92
8.25
143.98
76.26
57.26
451.36
PCT
89
47
92
35
81
95
14
57
98
95
96
85
BANK
80.51
4.79
75.72
125.77
31.15
423.20
5.11
4.73
413.36
176.27
237.09
629.47
12/31/2009
PG 5
39.34
10.61
25.42
192.02
11.87
228.33
59.05
7.68
150.67
77.86
64.88
470.40
PCT
82
33
88
28
83
95
15
48
98
90
97
82
BANK
114.90
4.30
110.60
95.67
40.90
425.90
6.04
6.93
412.93
157.88
255.05
636.47
12/31/2008
PG 5
48.59
14.97
29.47
193.10
11.87
228.07
56.02
7.17
154.15
77.36
68.53
484.83
PCT
86
24
92
19
88
96
18
59
98
85
98
79
6.45
2.62
95.14
10.49
0.00
1.26
0.00
9.09
0.00
0.12
43.65
67.17
32.92
0.32
3.74
0.00
1.08
0.32
99
25
77
10
75
46
99
94
82
0.00
2.60
90.16
9.79
0.00
1.54
0.00
10.33
0.00
0.00
11.88
86.19
20.56
0.41
3.47
0.32
1.73
0.27
94
55
59
34
70
55
99
91
79
0.00
2.98
109.38
7.48
0.00
1.83
0.00
11.81
0.00
0.37
45.79
77.01
39.82
0.37
4.21
0.00
1.11
0.32
96
27
76
2
73
48
99
94
82
0.00
3.07
105.75
7.71
0.00
1.87
0.00
7.50
0.00
0.16
45.29
84.14
44.73
0.43
4.37
0.00
1.13
0.31
97
26
69
2
71
47
99
92
81
0.00
2.72
139.69
7.68
0.00
2.09
0.00
7.99
0.00
0.15
45.20
91.95
48.31
0.50
4.29
0.00
1.26
0.36
97
25
79
1
69
47
99
93
80
0.00
0.00
0.00
0.16
99
85
0.00
0.00
0.00
0.72
99
72
0.00
0.00
0.00
0.19
99
86
0.00
0.00
0.00
0.23
99
84
0.00
0.00
0.01
0.40
99
81
Commercial Real Estate Loans as a % of Total Capital:
Non-owner OCC Commercial Real Estate
204.37
Total Commercial Real Estate
383.78
94.24
171.30
90
96
216.29
404.74
181.87
293.70
66
77
281.57
487.28
108.85
192.56
95
97
322.32
498.59
119.93
205.58
95
97
376.88
534.76
134.07
220.53
96
97
Commercial Real Estate Loans as a % of Total LN&LS:
Construction & Development
7.68
Non-owner OCC Commercial Real Estate
32.28
Total Commercial Real Estate
60.62
4.37
16.07
29.44
78
90
96
7.93
32.97
61.70
7.33
28.33
46.32
59
63
79
11.09
36.96
63.97
5.09
16.91
30.02
85
92
98
10.67
42.73
66.10
5.80
17.69
30.51
80
96
98
14.45
47.38
67.23
6.77
18.94
31.34
84
96
98
Loan & Leases as a % of Total Capital
Construction & Development
1-4 Family Construction
Other Const & Land Development
1-4 Family Residential
Home Equity Loans
Other Real Estate Loans
Farmland
Multifamily
Non-Farm Non-Residential
Owner Occupied Non-Farm Non-Residential
Other Non-Farm Non-Residential
Total Real Estate
Financial Institution Loans
Agricultural Loans
Commercial & Industrial Loans
Loans to Individuals
Credit Card Loans
Municipal Loans
Foreign Office Loans & Leases
All Other Loans
Lease Financing Receivables
Supplemental:
Loans to Foreign Governments
Loans to Finance Commercial Real Estate
FDIC Certificate # 22222
OCC Charter # 0
Public Report
FRB District/ID_RSSD 9 / 222222
County: TWO
TWO BANK
Analysis of Past Due, Nonaccrual & Restructured--Page 8
TWO, MN
PD, Nonacc & Rest Loans-a
BANK
0.07
2.15
2.23
0.52
12/31/2012
PG 5
0.10
1.54
1.73
1.32
PCT
64
69
66
29
BANK
0.00
1.71
1.71
1.51
12/31/2011
PG 3
0.08
2.95
3.10
1.00
PCT
54
42
39
74
BANK
0.28
4.21
4.49
1.73
12/31/2010
PG 5
0.13
1.84
2.17
1.44
PCT
78
83
82
65
BANK
0.00
1.49
1.49
1.64
12/31/2009
PG 5
0.17
1.76
2.16
1.58
PCT
46
53
46
58
BANK
0.10
2.77
2.87
2.23
12/31/2008
PG 5
0.19
1.21
1.57
1.51
PCT
57
82
79
73
LNS Fin Coml RE-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
N/A
N/A
N/A
N/A
0.00
0.61
0.62
0.15
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.84
0.84
0.51
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.08
0.01
0.01
0.42
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.09
0.09
0.12
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.06
0.79
0.00
0.00
N/A
N/A
N/A
N/A
Const & Land Dev-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
0.00
0.00
0.00
0.00
2.63
2.77
0.52
93
58
56
64
0.00
0.00
0.00
0.00
0.02
7.78
8.02
0.68
87
27
25
50
1.32
7.94
9.26
12.04
0.01
4.35
4.63
0.72
95
76
77
98
0.00
2.44
2.44
1.87
0.05
4.30
4.71
0.84
88
64
62
78
0.00
5.42
5.42
10.50
0.05
2.12
2.45
1.08
88
81
79
94
1-4 Fam Cons & L Dev-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
0.00
0.00
0.00
0.22
0.27
0.34
0.18
98
89
88
87
0.00
0.00
0.00
0.00
0.25
4.21
4.47
0.25
96
63
62
81
0.00
0.00
0.00
0.00
0.16
1.30
1.46
0.34
97
82
80
84
0.00
0.00
0.00
0.00
0.32
1.69
1.99
0.46
96
79
77
82
0.00
0.00
0.00
32.26
0.00
0.89
1.13
0.96
94
80
76
98
Other Const & Land Dev-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
0.00
0.00
0.00
0.00
3.57
3.69
0.42
93
60
58
68
0.00
0.00
0.00
0.00
0.01
8.07
8.31
0.66
90
32
30
56
1.42
8.54
9.96
12.95
0.00
5.18
5.48
0.62
96
75
76
97
0.00
2.60
2.60
1.99
0.03
5.09
5.56
0.71
89
65
63
82
0.00
5.63
5.63
9.65
0.02
2.22
2.56
0.67
91
81
80
95
Single & Multi Mtg-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.31
4.63
4.94
0.00
0.13
1.14
1.36
1.69
79
93
93
7
0.00
1.80
1.80
0.68
0.09
1.92
2.09
1.12
61
57
53
40
0.46
3.73
4.19
0.35
0.15
1.25
1.49
1.78
82
88
88
15
0.00
3.12
3.12
0.00
0.18
1.08
1.35
1.86
54
87
85
5
0.63
2.93
3.56
0.83
0.17
0.70
0.96
1.74
85
91
92
29
Non-Farm Non-Res Mtg-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
1.62
1.62
0.81
0.04
1.69
1.84
0.85
84
61
57
62
0.00
2.00
2.00
2.12
0.04
2.33
2.44
0.69
80
53
51
85
0.00
3.62
3.62
0.05
0.05
1.84
2.07
0.98
82
76
74
32
0.00
0.81
0.81
2.14
0.08
1.75
2.03
1.07
78
48
44
77
0.00
2.03
2.03
0.31
0.12
1.15
1.43
0.97
76
73
69
42
Own Occ Non-Farm Non-Res-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
0.00
0.00
0.00
0.03
1.53
1.72
0.82
88
44
41
46
0.00
0.00
0.00
0.00
0.03
2.00
2.11
0.71
85
24
22
36
0.00
2.27
2.27
0.00
0.03
1.64
1.81
0.94
87
67
65
43
0.00
0.56
0.56
0.00
0.04
1.53
1.77
1.08
84
55
52
41
0.00
0.64
0.64
0.20
0.08
0.94
1.20
0.97
83
63
57
46
Other Non-Farm Non-Res-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
3.61
3.61
1.80
0.00
1.45
1.58
0.55
92
80
79
84
0.00
4.44
4.44
4.70
0.01
2.33
2.46
0.48
90
74
73
95
0.00
5.10
5.10
0.10
0.02
1.70
1.97
0.66
90
83
81
63
0.00
0.99
0.99
3.73
0.04
1.63
1.91
0.81
88
66
62
87
0.00
2.89
2.89
0.38
0.05
1.01
1.29
0.73
86
82
78
66
% of Non-Current LN&LS by Loan Type
Real Estate LNS-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
Non-Current LN&LS ($000)
90 Days and Over Past Due
Total Nonaccrual LN&LS
Total Non-Current LN&LS
LN&LS 30-89 Days Past Due
113
3,057
3,170
847
18
2,826
2,844
2,244
468
7,466
7,934
3,086
10
3,367
3,377
3,217
179
5,472
5,651
4,348
Gtyd LN&LS 90+ Days P/D
Gtyd LN&LS on Nonaccrual
Gtyd LN&LS 30-89 Days P/D
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Restructured LN&LS 90+ Days P/D
Restructured LN&LS Nonaccrual
Restructured LN&LS 30-89 Days P/D
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Current 1-4 Family Restru LN&LS
Current Other Restructured LN&LS
Loans Secured 1-4 RE in Foreclosure
Other Real Estate Owned
0
10,128
0
4,884
0
11,781
0
6,252
0
2,090
0
4,239
0
0
0
1,888
0
0
0
340
FDIC Certificate # 22222
OCC Charter # 0
Public Report
FRB District/ID_RSSD 9 / 222222
County: TWO
TWO BANK
Analysis of Past Due, Nonaccrual & Restructured--Page 8A
TWO, MN
PD, Nonacc & Rest Loans-b
BANK
0.00
0.00
0.00
0.00
12/31/2012
PG 5
0.07
1.03
1.23
0.87
PCT
76
35
28
22
BANK
0.00
1.39
1.39
0.00
12/31/2011
PG 3
0.03
1.58
1.68
0.63
PCT
74
61
59
18
BANK
0.00
2.48
2.48
0.90
12/31/2010
PG 5
0.08
1.08
1.29
0.94
PCT
74
79
75
61
BANK
0.00
2.54
2.54
0.98
12/31/2009
PG 5
0.10
1.07
1.32
1.20
PCT
69
80
76
53
BANK
0.00
1.69
1.69
1.15
12/31/2008
PG 5
0.12
0.86
1.07
1.21
PCT
66
77
72
58
Loans to Individuals-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.20
0.00
0.20
3.79
0.10
0.30
0.47
1.50
78
42
45
87
0.69
0.00
0.69
1.79
0.05
0.32
0.44
1.03
95
41
73
74
0.52
0.00
0.52
2.56
0.12
0.34
0.52
1.61
88
36
61
73
0.42
0.00
0.42
1.67
0.15
0.38
0.60
2.03
81
33
50
45
0.05
0.00
0.05
0.71
0.16
0.31
0.53
2.14
55
34
23
21
Credit Card Plans-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
N/A
N/A
N/A
N/A
0.26
0.06
0.31
0.77
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.37
0.00
0.49
1.16
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.26
0.01
0.27
0.82
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.59
0.04
0.63
1.16
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.55
0.06
0.62
1.35
N/A
N/A
N/A
N/A
Lease Financing-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
N/A
N/A
N/A
N/A
0.04
0.00
0.01
0.03
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.11
0.04
0.05
0.04
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.07
0.01
0.03
0.01
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.01
0.07
0.12
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.92
0.56
0.03
0.04
N/A
N/A
N/A
N/A
Agricultural LNS-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
0.00
0.00
0.00
0.00
0.05
0.07
0.09
92
80
75
67
0.00
0.00
0.00
0.00
0.02
0.06
0.08
0.05
95
81
79
76
0.00
0.00
0.00
0.00
0.01
0.17
0.20
0.19
87
69
64
53
0.00
0.00
0.00
0.00
0.01
0.23
0.32
0.28
84
69
63
48
0.00
0.00
0.00
0.00
0.02
0.12
0.18
0.24
83
72
63
50
Other LN&LS-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.02
0.00
0.02
0.02
0.00
0.08
0.12
0.20
91
77
72
56
0.00
0.00
0.00
0.00
0.00
0.10
0.14
0.11
91
78
73
64
0.00
0.00
0.00
0.02
0.01
0.17
0.25
0.23
88
73
67
56
0.03
0.00
0.03
0.14
0.02
0.18
0.32
0.38
86
73
66
60
0.03
0.00
0.03
0.20
0.02
0.09
0.18
0.38
85
77
69
63
Total LN&LS-90+ Days Past Due
-Nonaccrual
-Total
-30-89 DAYS P/D
0.06
1.73
1.79
0.48
0.11
1.37
1.65
1.28
59
65
63
27
0.01
1.60
1.61
1.27
0.08
2.64
2.79
0.97
49
42
39
70
0.24
3.83
4.07
1.58
0.14
1.71
1.92
1.39
75
85
84
63
0.00
1.60
1.60
1.53
0.18
1.62
1.91
1.58
33
59
51
55
0.08
2.51
2.59
1.99
0.19
1.15
1.43
1.54
51
84
81
70
94.29
12.11
2.27
4.44
0.00
5.73
5.73
0.00
0.00
0.00
0.00
98.95
9.41
3.03
2.57
0.24
0.95
0.61
0.18
0.02
0.41
0.02
56
69
45
78
61
95
98
63
94
88
93
102.60
11.41
2.89
4.99
0.00
6.69
6.70
0.00
0.00
0.00
0.00
139.20
18.53
3.84
4.21
0.57
1.71
1.04
0.40
0.36
0.89
0.34
42
46
47
69
36
92
97
44
90
76
85
248.71
34.97
5.65
6.11
0.00
1.07
1.07
0.00
0.00
0.00
0.00
117.92
12.78
3.42
2.87
0.09
0.60
0.43
0.23
0.03
0.62
0.12
86
89
79
85
76
73
79
60
94
85
90
134.38
13.26
3.13
2.48
0.00
0.00
0.00
0.00
0.00
0.00
0.00
130.93
13.26
3.60
2.65
0.02
0.29
0.21
0.18
0.00
0.60
0.05
58
59
49
54
85
61
65
63
94
85
91
234.19
22.61
4.58
2.75
0.00
0.00
0.00
0.00
0.00
0.00
0.00
111.83
10.42
3.04
1.82
0.00
0.07
0.05
0.17
1.75
0.27
0.10
85
84
77
76
92
75
78
62
95
88
90
% of Non-Current LN&LS by Loan Type
Coml & Indust LNS-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
Other Pertinent Ratios:
Non-Cur LN&LS to-LN&LS Allowance
-Equity Capital
% Total P/D LN&LS-Incl Nonaccrual
Non Curr LNS+OREO to LNS+OREO
Non-Curr Restruct Debt/Gr LN&LS
Curr+Non-Curr Restruct/GR LN&LS
Current Restruct LN&LS
Loans Sec 1-4 Fam RE in Forclosure as % Tota
Gtyd LN&LS 90+ P/D / LN&LS 90+ P/D
Gtyd Nonaccrual LN&LS / Nonaccrual LN&LS
Gtyd LN&LS 30-89 P/D / LN&LS 30-89 P/D
FDIC Certificate # 22222
OCC Charter # 0
Public Report
FRB District/ID_RSSD 9 / 222222
County: TWO
TWO BANK
Interest Rate Risk Analysis as a Percent of Assets--Page 9
TWO, MN
Interest Rate Risk
Long Assets Insts w/Options
Mortgage Loans & Pass Thrus
Loans & Securities Over 15 Years
Loans & Securities 5-15 Years
BANK
19.72
0.30
8.11
12/31/2012
PG 5
20.41
2.96
5.36
PCT
50
26
74
BANK
16.75
0.48
7.63
12/31/2011
PG 3
17.46
3.00
4.81
PCT
49
22
73
BANK
13.37
0.72
2.13
12/31/2010
PG 5
20.18
2.49
4.47
PCT
26
40
37
BANK
8.49
0.24
0.56
12/31/2009
PG 5
21.06
2.78
4.19
PCT
10
27
16
BANK
4.36
0.20
1.03
12/31/2008
PG 5
21.69
2.82
4.17
PCT
2
26
24
Other Loans and Securities
Loans & Securities Over 15 Years
Loans & Securities 5-15 Years
Total Loans & Securities Over 15 Years
67.02
2.21
19.41
2.52
59.67
2.91
12.41
6.64
72
51
82
32
57.72
0.99
5.73
1.47
62.02
2.55
10.80
6.29
35
37
24
22
61.37
1.10
2.70
1.82
61.58
2.17
10.32
5.29
49
41
7
32
71.98
1.08
2.05
1.32
62.00
1.83
9.52
5.19
81
45
4
28
78.10
0.32
4.00
0.52
64.10
1.42
8.91
4.74
88
27
17
14
CMO'S Total
Avg Life Over 3 Years
0.97
0.97
1.80
0.52
58
75
0.00
0.00
2.61
0.91
32
44
0.00
0.00
1.57
0.60
41
56
0.00
0.00
1.26
0.34
44
65
0.00
0.00
1.18
0.41
44
63
Structured Notes
Mortgage Servicing (FV)
Total
0.00
0.00
0.00
0.55
0.01
0.58
56
87
49
3.24
0.00
3.24
0.66
0.02
0.71
88
77
88
2.16
0.00
2.16
1.12
0.01
1.15
78
88
77
1.08
0.00
1.08
0.70
0.01
0.72
72
88
72
0.00
0.00
0.00
0.17
0.00
0.19
71
88
63
30.37
0.00
7.37
21.65
0.95
9.64
74
64
43
18.30
0.00
6.92
19.57
0.68
11.09
50
63
26
9.35
0.00
7.64
18.89
0.91
9.43
24
63
45
5.56
0.00
10.65
18.26
0.92
9.56
13
61
64
2.88
1.99
10.70
18.13
0.92
10.72
7
81
58
0.00
0.00
0.02
0.24
72
72
0.00
0.00
0.02
0.19
72
72
0.00
0.00
0.01
0.07
75
75
0.00
0.00
0.01
0.14
70
70
-0.01
-0.12
0.01
0.06
5
5
Contractual Mat/Reprice Data
Loans/Securities Over 3 Year
Liabilities Over 3 Year
Net Over 3 Year Position
59.28
0.90
58.37
40.77
3.24
36.99
88
21
92
34.19
1.56
32.64
37.91
3.70
33.74
40
33
47
29.70
1.59
28.11
36.59
3.33
32.88
34
35
38
37.08
4.48
32.59
37.15
2.92
33.84
49
72
47
38.20
9.10
29.11
36.22
3.11
32.74
56
92
40
Loans/Securities Over 1 Year
Liabilities Over 1 Year
Net Over 1 Year Position
76.94
4.29
72.65
59.64
11.48
47.84
94
12
97
63.24
8.38
54.86
58.44
12.31
45.50
61
32
72
55.99
12.52
43.47
57.98
12.47
45.22
40
53
44
61.61
17.91
43.70
57.97
11.59
46.00
60
80
40
60.53
23.65
36.88
56.96
11.85
44.74
60
92
25
60.81
102.59
-1.53
53.37
144.00
-12.70
74
25
73
70.22
205.37
-36.03
50.55
148.54
-12.28
93
79
10
64.87
218.40
-35.17
46.22
142.69
-9.72
96
84
6
56.51
152.42
-19.43
43.87
131.91
-6.96
89
69
21
53.33
139.60
-15.13
41.56
126.74
-5.55
86
65
27
0.00
0.00
0.00
5.73
0.09
6.08
56
87
49
41.12
0.00
41.12
7.46
0.20
8.15
90
77
90
27.01
0.00
27.01
11.66
0.08
12.02
80
88
80
11.81
0.00
11.81
7.63
0.07
7.95
72
88
71
0.00
0.00
0.00
1.91
0.05
2.18
71
88
63
Overall Risk Indicators
Available for Sale
Held to Maturity
Off Balance Sheet
Unrealized Appreciation/Depreciation
Unrealized App/Dep % Tier One Cap
Non-Maturity Deposits
Non-Maturity Deps % Long Assets
Net Over 3 Year Position
As % Tier 1 Capital
Structured Notes
Mortgage Servicing (FV)
Total
FDIC Certificate # 22222
OCC Charter # 0
Public Report
FRB District/ID_RSSD 9 / 222222
County: TWO
TWO BANK
Liquidity & Funding--Page 10
TWO, MN
Liquidity & Funding
Percent of Total Deposits
Individ, Partnerships, and Corp.
U.S. Govt, States & Political Sub in U.S.
Comml Banks & Other Dep Inst. in U.S.
Banks in Foreign Countries
Foreign Govts and Official Inst.
Total deposits
BANK
98.40
1.56
0.04
0.00
0.00
100.00
12/31/2012
PG 5
89.42
9.90
0.23
0.00
0.00
100.00
PCT
97
3
62
99
99
99
BANK
98.84
1.07
0.10
0.00
0.00
100.00
12/31/2011
PG 3
90.63
7.45
0.90
0.08
0.04
100.00
PCT
91
14
53
98
98
99
BANK
98.85
1.09
0.06
0.00
0.00
100.00
12/31/2010
PG 5
89.29
9.95
0.26
0.00
0.00
100.00
PCT
97
3
60
99
99
99
BANK
98.78
1.16
0.06
0.00
0.00
100.00
12/31/2009
PG 5
89.40
9.90
0.24
0.00
0.00
100.00
PCT
97
3
61
99
99
99
BANK
98.71
1.18
0.11
0.00
0.00
100.00
12/31/2008
PG 5
89.33
9.92
0.27
0.00
0.00
100.00
PCT
98
2
67
99
99
99
Domestic Demand Deposits
Domestic Other Transaction Accts
Domestic Nontransaction Accts
Total Domestic Deposits
Deposits in Foreign Offices
Total Deposits
19.35
33.45
47.21
100.00
0.00
100.00
18.25
16.32
64.71
100.00
0.00
100.00
57
94
7
99
99
99
14.84
18.82
66.34
100.00
0.00
100.00
10.12
6.91
82.20
99.90
0.10
100.00
75
91
13
99
99
99
14.04
18.86
67.10
100.00
0.00
100.00
14.45
14.86
70.16
100.00
0.00
100.00
50
69
38
99
99
99
3.70
5.57
90.73
100.00
0.00
100.00
14.05
14.31
71.09
100.00
0.00
100.00
1
10
96
99
99
99
4.50
5.60
89.90
100.00
0.00
100.00
13.85
13.23
72.42
100.00
0.00
100.00
4
12
93
99
99
99
20.36
22.20
68.42
17.13
26.86
72.09
5.77
76.47
83.54
N/A
0.00
0.00
0.00
N/A
N/A
-1.31
10.45
80.66
4.74
321.57
119.18
-2.80
68.92
73.73
48.85
0.81
0.10
1.19
0.79
13.23
97
82
5
97
10
20
76
69
71
N/A
64
86
59
N/A
N/A
-8.76
-5.60
80.38
1.39
1,281.73
418.07
-21.73
64.76
69.83
N/A
0.00
0.00
0.00
0.00
N/A
5.83
17.50
76.18
7.65
139.60
108.13
0.23
75.10
83.28
59.26
2.73
0.74
4.10
0.26
20.00
13
7
66
5
98
97
8
24
24
N/A
38
74
33
89
N/A
-3.22
0.60
77.20
9.91
172.56
247.89
-21.31
76.45
86.56
100.00
0.83
N/A
N/A
0.92
0.00
3.03
16.26
79.06
14.03
60.50
94.18
2.74
74.84
81.15
50.61
1.32
0.00
0.00
1.28
12.93
26
9
35
27
91
98
3
53
62
99
65
N/A
N/A
86
55
17.05
14.37
64.54
9.23
129.59
173.19
-11.67
91.94
116.39
65.41
2.67
N/A
N/A
0.48
0.00
19.17
18.84
66.51
15.56
46.93
82.26
6.41
77.64
99.69
56.43
1.47
0.00
0.00
1.14
9.82
43
34
39
18
90
97
7
83
76
38
76
N/A
N/A
85
58
21.30
16.76
61.81
5.50
202.17
212.48
-14.98
97.80
127.16
40.49
4.61
N/A
N/A
0.48
N/A
21.94
21.59
65.19
16.30
33.87
78.94
7.89
82.03
105.89
60.28
1.77
0.00
0.00
0.86
0.00
48
35
34
2
96
99
4
85
78
18
80
N/A
N/A
85
N/A
Liquidity/Funding Ratios
Net Non Core Fund Dep $250M
Net Non Core Fund Dep $100M
Core Deposits
Short Term Non Core Funding
S.T Inv to S.T. Ncore Fund
S.T. Asset to S.T. Liabilities
Net S.T. Liabilities to Assets
Net Loans & Leases to Deposits
Net LN&LS to Core Deposits
Brkr Dep Mat < 1 Yr to Brkr Deps
Brokered Deposits to Deposits
Listing Service Dep to Deposits
List Service and Brkrd Dep to Deps
Sec Bor + sec FFP to Tot Bor + FFP
Recip Brkrd Dep to Tot Brkrd Dep
Total Deposits
Individ, Partnerships, and Corp.
U.S. Govt, States & Political Sub in U.S.
Comml Banks & Other Dep Inst. in U.S.
Banks in Foreign Countries
Foreign Govts and Official Inst.
Total Deposits
222,984
3,535
81
0
0
226,600
264,250
2,855
258
0
0
267,363
247,908
2,735
146
0
0
250,789
223,508
2,627
128
0
0
226,263
217,513
2,598
240
0
0
220,351
Domestic Demand Deposits
Domestic Other Transaction Accts
Domestic Nontransaction Accts
Total Domestic Deposits
Deposits in Foreign Offices
Total Deposits
43,843
75,788
106,969
226,600
0
226,600
39,669
50,313
177,381
267,363
0
267,363
35,221
47,293
168,275
250,789
0
250,789
8,369
12,603
205,291
226,263
0
226,263
9,915
12,332
198,104
220,351
0
220,351
Other Liquidity/Funding Data
Non Core Liabilities $250M
Non Core Liabilities $100M
Short Term Non Core Funding
Core Deposits
Time Deps $250M & Under Mat < 1 Yr
Time Deps $250M & Under Mat > 1 Yr
Time Deps over $250M Mat < 1 Yr
Time Deps over $250M Mat > 1 Yr
Fed Home Loan Bor Mat < 1 Yr
Fed Home Loan Bor Mat > 1 Yr
Other Borrowing Mat < 1 Year
Other Borrowing Mat > 1 Year
Secured Other Borrowings
Federal Funds Purchased
Secured Fed Funds Purchased
Listing Service Deposits
Brokered Deposits
Reciprocal Brokered Deposits
68,707
73,658
51,923
207,419
10,723
12,339
2,396
16,784
0
0
0
0
0
0
0
0
0
0
34,388
41,798
4,285
247,956
16,793
14,543
305
19,103
0
11,000
0
0
0
0
0
0
0
0
41,891
50,393
28,433
221,500
N/A
N/A
N/A
N/A
0
11,000
102
0
102
0
0
N/A
2,089
0
71,533
65,494
25,551
178,732
N/A
N/A
N/A
N/A
7,000
15,000
107
0
107
0
0
N/A
6,039
0
78,177
68,029
15,084
169,469
N/A
N/A
N/A
N/A
2,000
22,000
115
0
115
0
0
N/A
10,148
N/A
FDIC Certificate # 22222
OCC Charter # 0
Public Report
FRB District/ID_RSSD 9 / 222222
County: TWO
TWO BANK
Liquidity & Investment Portfolio--Page 10A
TWO, MN
Liquidity & Inv Portfolio
BANK
4.60
0.00
57.35
41.37
12/31/2012
PG 5
8.85
0.00
59.24
21.10
PCT
30
88
43
87
BANK
17.80
0.00
56.27
25.94
12/31/2011
PG 3
7.44
0.02
63.30
27.92
PCT
89
73
28
50
BANK
17.10
0.00
66.99
28.81
12/31/2010
PG 5
7.38
0.00
63.89
22.09
PCT
90
88
56
68
BANK
11.96
0.00
75.55
2.05
12/31/2009
PG 5
6.16
0.00
65.63
17.49
PCT
85
86
80
8
BANK
11.12
0.00
79.17
N/A
12/31/2008
PG 5
4.65
0.01
68.14
0.00
PCT
87
87
83
N/A
Securities Mix
% Total Securities
US Treas & Govt Agencies
Municipal Securities
Pass-Through Mtg Backed Secs
CMO & REMIC Mtg Backed Secs
Commercial Mtg Back Secs
Asset Backed Securities
Structured Financial Products
Other Domestic Debt Secs
Foreign Debt Securities
Inv Mut Fnd & Oth Mktbl
Total
43.67
15.99
37.13
3.20
0.00
0.00
0.00
0.00
0.00
0.00
100.00
26.87
34.57
18.42
7.52
0.00
0.27
0.13
0.85
0.05
0.01
100.00
72
24
76
54
92
96
96
72
97
88
99
40.64
12.72
46.64
0.00
0.00
0.00
0.00
0.00
0.00
0.00
100.00
24.67
21.29
23.55
12.73
0.07
0.22
0.01
1.22
0.18
0.13
100.00
72
37
79
32
87
95
91
65
96
73
99
26.81
25.30
47.89
0.00
0.00
0.00
0.00
0.00
0.00
0.00
100.00
33.15
29.32
16.68
7.20
0.00
0.03
0.12
0.69
0.00
0.01
100.00
44
43
88
41
94
98
96
74
99
88
99
58.37
41.63
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
100.00
33.71
27.11
19.23
5.92
0.00
0.04
0.17
0.73
0.00
0.03
100.00
76
72
15
44
94
97
96
73
99
86
99
53.97
45.96
0.00
0.00
N/A
0.00
N/A
0.00
0.00
0.07
100.00
34.37
24.98
21.44
5.60
0.00
0.06
0.00
1.00
0.00
0.03
100.00
73
82
14
44
N/A
97
N/A
69
99
88
99
Liquidity/Securities Ratios:
App (Dep) Hi Risk & Struc/T1 Cap
App (Dep) in AFS sec to AFS Sec
App (Dep) in HTM Sec to HTM Sec
App (Dep) in HTM Sec to Eqy Cap
Pledged Securities to Tot Sec
Pledged Loans to Total Loans
Loans Held for Sale to Total Loans
0.00
0.93
N/A
0.00
58.82
40.35
0.24
0.01
2.18
2.71
0.22
40.43
17.78
0.11
69
22
N/A
72
75
79
79
0.11
1.08
N/A
0.00
13.41
41.19
0.85
0.02
2.05
2.64
0.18
44.86
26.00
0.37
87
28
N/A
72
13
71
79
0.08
1.78
N/A
0.00
19.33
39.75
0.85
-0.09
0.56
1.01
0.06
44.78
18.11
0.10
87
82
N/A
75
18
79
92
0.00
0.44
N/A
0.00
36.85
0.00
0.05
-0.03
1.44
1.64
0.13
47.98
10.64
0.06
81
22
N/A
70
35
59
78
0.00
0.16
-0.57
-0.12
70.49
N/A
0.00
0.01
1.00
0.78
0.06
50.70
0.00
0.05
79
25
17
5
73
N/A
78
Percent of Total Assets
Short Term Investments
Marketable Equity Sec (MES)
Net LN&LS & SBLC to Assets
Pledged Assets
Short Term Investments
Short Term Assets
Debt Securities 90+ Days P/D
Total Non-Current Debt Sec
Fair Value Structured Notes
Pledged Securities
Pledged Loans & Leases
Loans Held for Sale
13,945
45,160
0
0
0
54,149
71,272
431
54,922
88,121
0
0
10,027
7,570
72,459
1,487
49,065
102,469
0
0
6,218
5,189
77,479
1,653
33,111
76,459
0
0
3,001
5,674
0
112
30,496
77,576
0
0
0
9,414
N/A
0
FDIC Certificate # 22222
OCC Charter # 0
Public Report
Capital Ratios
Percent of Bank Equity:
Net Loans & Leases (x)
Subord Notes & Debentures
Long Term Debt
Com RE & Related Ventures
Percent of Average Bank Equity:
Net Income
Dividends
Retained Earnings
Other Capital Ratios:
Dividends to Net Operating Income
Bank Eq Cap + Min Int to Assets
Growth Rates:
Total Equity Capital
Equity Growth Less Asst Growth
Intang Assets % Bank Equity
Mortgage Servicing Rights
Goodwill
Purch Credit Card Relations
All Other Intangibles
Total Intangibles
Risk-Based Capital
Tier One RBC to Risk-Wgt Assets
Total RBC to Risk-Weight Assets
Tier One Leverage Capital
Other Capital Ratio:
Def Tax Asset to T1 Cap
End of Period Capital ($000)
Perpetual Preferred
+ Common Stock
+ Surplus
+ Undivided Profits
+ Accum Other Comp Income
+ Other Equity Capital Comp
Total Bank Equity Capital
Minority Interest Cons Subs
Total Bank Capital & Min Int
Subordinated Notes & Debentures
Changes in Bank Equity ($000)
Balance at Beginning of Period
+ Net Income
+ Sales or Purchase of Capital
+ Merger & Absorptions
+ Restate due to Acctg Error&Chg
+ Trans with Parent
- Dividends
+ Other Comprehensive Income
Balance at End of Period
Intangible Assets
Mortgage Servicing Rights
+ Purch Credit Card Relations.
+ Other Intangibles
+ Goodwill
Total Intangibles
FRB District/ID_RSSD 9 / 222222
County: TWO
TWO BANK
Capital Analysis--Page 11
TWO, MN
Capital Analysis-a
BANK
12/31/2012
PG 5
PCT
BANK
12/31/2011
PG 3
PCT
BANK
12/31/2010
PG 5
PCT
BANK
12/31/2009
PG 5
PCT
BANK
12/31/2008
PG 5
PCT
6.62
0.00
0.00
417.37
5.82
0.04
0.04
168.52
67
99
99
96
6.95
0.00
0.00
450.53
6.37
0.69
0.69
285.38
63
95
95
83
8.45
0.00
0.00
559.85
6.60
0.06
0.06
196.10
83
99
99
98
8.17
0.00
0.00
548.65
6.86
0.12
0.12
207.42
74
99
99
97
8.62
0.00
0.00
579.87
7.18
0.05
0.05
221.55
75
99
99
97
3.93
0.00
3.93
9.58
4.46
4.45
13
17
43
3.29
0.00
3.29
6.29
2.88
2.74
26
35
42
-11.09
0.00
-11.09
8.15
3.79
3.58
4
22
5
2.99
1.34
1.65
6.92
4.04
2.26
23
26
37
5.03
2.20
2.83
9.44
5.60
3.04
22
24
44
0.00
8.64
43.68
10.36
13
14
0.00
8.08
33.98
10.15
25
13
N/A
7.91
41.71
9.86
N/A
10
44.85
9.20
50.36
9.78
41
42
43.81
9.12
57.73
9.73
34
42
5.05
6.77
5.67
0.14
46
84
9.85
2.33
8.64
3.84
59
42
-10.91
-14.51
3.79
0.48
4
4
1.89
0.89
5.79
-0.01
28
54
3.04
-5.91
5.53
-1.37
36
26
0.00
0.00
0.00
0.00
0.00
0.08
1.49
0.00
0.22
2.23
87
67
99
77
51
0.00
0.00
0.00
0.00
0.00
0.17
2.18
0.04
0.32
3.25
77
61
96
64
39
0.00
0.00
0.00
0.00
0.00
0.07
1.80
0.00
0.33
2.70
88
66
99
74
51
0.00
0.00
0.00
0.00
0.00
0.06
1.84
0.00
0.36
2.76
88
66
99
74
51
0.00
0.00
0.00
0.00
0.00
0.05
2.13
0.00
0.42
3.04
88
65
99
74
50
12.37
13.62
8.48
15.19
16.34
9.77
22
23
20
12.22
13.48
8.05
13.92
15.18
9.40
33
32
19
10.96
12.21
8.02
13.97
15.14
9.38
17
19
18
11.03
12.13
9.15
13.27
14.41
9.25
26
27
55
10.44
11.45
9.75
12.92
14.00
9.27
24
23
67
0.00
0.67
61
0.00
1.61
46
0.00
1.08
52
0.00
1.00
54
0.00
0.99
53
0
300
18,190
6,839
852
0
26,181
0
26,181
0
300
18,190
5,829
604
0
24,923
0
24,923
0
300
17,600
5,052
-263
0
22,689
0
22,689
0
300
17,350
7,748
70
0
25,468
0
25,468
0
300
17,350
7,332
13
0
24,995
0
24,995
0
0
0
0
0
24,923
1,009
0
0
0
0
0
248
26,180
22,689
777
0
0
0
590
0
867
24,923
25,468
-2,696
0
0
0
250
0
-333
22,689
24,994
758
0
0
0
0
340
56
25,468
24,257
1,244
0
0
0
0
545
38
24,994
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
FDIC Certificate # 22222
OCC Charter # 0
Public Report
FRB District/ID_RSSD 9 / 222222
County: TWO
12/31/2012
Risk Based Capital ($000)
Tier One Capital
Total Equity Capital Adjusted
- Ineligible Def Tax Assets
- Ineligible Intangibles
- Cumul Change F.V. Financial Liab
Net Tier One
TWO BANK
Capital Analysis--Page 11A
12/31/2011
TWO, MN
12/31/2010
Capital Analysis-b
12/31/2009
12/31/2008
25,329
0
0
0
25,329
24,319
0
0
0
24,319
22,952
0
0
0
22,952
25,398
0
0
0
25,398
24,982
0
0
0
24,982
0
0
2,571
0
0
2,571
0
0
2,497
0
0
2,497
0
0
2,635
0
0
2,635
0
0
2,513
0
0
2,513
0
0
2,413
0
0
2,413
Total RBC Before Deductions
Tier One & Tier Two
Tier Three & Fin Sub Adj
- Deductions for Total RBC
Total Risk-Based-Capital
27,900
0
0
27,900
26,816
0
0
26,816
25,587
0
0
25,587
27,911
0
0
27,911
27,395
0
0
27,395
Risk-Weighted Assets
On-Balance Sheet
Category Two - 20%
Category Three - 50%
Category Four - 100%
Total On-Balance Sheet
Memo: Category One - 0%
13,329
20,203
164,711
198,243
33,907
7,745
16,465
167,388
191,598
71,605
4,525
16,307
182,243
203,075
52,149
5,962
15,296
198,912
220,170
20,080
4,342
8,545
217,043
229,930
20,752
Off-Balance Sheet
Category Two - 20%
Category Three - 50%
Category Four - 100%
Total Off-Balance Sheet
Memo: Category One - 0%
0
0
7,336
7,336
0
0
0
7,628
7,628
0
0
0
6,977
6,977
0
0
0
10,004
10,004
0
0
0
9,364
9,364
0
205,579
791
0
0
204,789
199,226
275
0
0
198,952
210,052
553
0
0
209,500
230,174
0
0
0
230,174
239,294
0
0
0
239,295
Tier Two Capital
+ Qualif Debt and Redeem Pfd
+ Cumulative Preferred Stock
+ Allowable LN&LS Loss Allow
+ Unrl Gain Mktbl Eqy Sec (45%)
+ Other Tier 2 Capital Comp
Net Eligible Tier Two
Adjustments to Risk-Wgt Assets
Risk-Weighted Asset Before Ded
- Excess Allowable LN&LS Loss Al
- Allocated Transfer Risk Reserve
+ Mkt Risk Asset & Fin Sub Adj
Total Risk-Weighted Assets
FDIC Certificate # 22222
OCC Charter # 0
Public Report
Earnings and Profitability
Percent of Average Assets:
Interest Income (TE)
- Interest Expense
Net Interest Income (TE)
+ Noninterest Income
- Noninterest Expense
- Provision: Loan & Lease Losses
Pretax Operating Income (TE)
+ Realized Gains/Losses Sec
Pretax Net Operating Income (TE)
Net Operating Income
Adjusted Net Operating Income
Net Inc Attrib Min Ints
Net Income Adjusted Sub S
Net Income
Margin Analysis:
Int Inc (TE) to Avg Earn Assets
Int Expense to Avg Earn Assets
Net Int Inc-TE to Avg Earn Assets
Loan & Lease Analysis:
Net Loss to Average Total LN&LS
Earnings Coverage of Net Loss (X)
LN&LS Allowance to Net Losses (X)
Capitalization
Cash Dividends to Net Income
Retain Earns to Avg Total Equity
Yield on or Cost of:
Total Loan & Leases (TE)
Loans in Domestic Offices
Real Estate
Secured by 1-4 Fam Resi Prop
All Other Loans Sec Real Estate
Commercial & Industrial
Individual
Credit Card
Agricultural
Loans in Foreign Offices
Total Investment Securities (TE)
Total Investment Securities (Book)
US Treas & Agency (Excl MBS)
Mortgage Backed Securities
All Other Securities
Interest-Bearing Bank Balances
Federal Funds Sold & Resales
Total Interest Bearing Deposits
Transaction accounts
Other Savings Deposits
Time Deps Over $100M
All Other Time Deposits
Foreign Office Deposits
Federal Funds Purchased & Repos
Other Borrowed Money
Subord Notes & Debentures
All Interest-Bearing Funds
FRB District/ID_RSSD 9 / 222222
County: TWO
TWO BANK
One Quarter Annualized Income Analysis--Page 12
TWO, MN
Income Statement 1-Qtr-Ann
BANK
12/31/2012
PG 5
PCT
BANK
9/30/2012
PG 5
PCT
BANK
6/30/2012
PG 5
PCT
BANK
3/31/2012
PG 5
PCT
BANK
12/31/2011
PG 3
PCT
4.24
0.43
3.81
0.67
4.07
0.17
0.25
0.10
0.34
0.31
0.66
0.00
0.23
0.31
4.23
0.58
3.64
0.68
3.02
0.21
1.12
0.03
1.17
0.91
0.88
0.00
0.78
0.91
50
27
63
55
90
54
13
84
14
15
33
99
14
15
4.06
0.71
3.35
0.70
3.66
0.20
0.19
0.16
0.35
0.32
0.48
0.00
0.23
0.32
4.35
0.63
3.71
0.69
2.91
0.17
1.34
0.03
1.40
1.08
1.07
0.00
0.92
1.08
30
63
27
57
85
65
7
87
8
11
19
99
7
11
4.09
0.63
3.45
0.75
3.72
0.10
0.38
0.00
0.38
0.36
0.44
0.00
0.25
0.36
4.39
0.67
3.71
0.68
2.93
0.20
1.28
0.04
1.36
1.05
1.09
0.00
0.89
1.05
31
46
33
62
87
40
12
62
10
12
14
99
10
12
4.24
0.65
3.59
0.73
3.82
0.10
0.39
0.00
0.39
0.37
0.57
0.00
0.26
0.37
4.43
0.72
3.69
0.66
2.91
0.20
1.26
0.03
1.32
1.02
1.08
0.00
0.87
1.02
38
41
44
62
90
39
11
68
10
13
20
99
10
13
4.28
0.74
3.54
0.27
3.63
0.00
0.18
0.00
0.18
0.16
-0.68
0.00
0.12
0.16
4.41
0.80
3.61
0.70
2.98
0.52
0.83
0.03
0.87
0.61
0.55
0.00
0.55
0.61
40
43
43
21
78
12
23
58
21
21
15
98
21
21
4.55
0.46
4.09
4.61
0.63
3.96
46
27
57
4.33
0.76
3.58
4.73
0.68
4.03
26
62
22
4.39
0.68
3.71
4.77
0.73
4.02
28
45
33
4.56
0.70
3.86
4.82
0.78
4.02
35
40
40
4.53
0.79
3.75
4.76
0.86
3.89
35
42
40
-0.31
-2.10
-6.18
0.40
6.32
4.22
1
17
15
0.07
8.53
24.23
0.30
8.87
5.75
44
60
81
0.04
21.31
46.61
0.28
3.31
2.70
37
76
91
-0.18
-4.55
-9.49
0.23
0.21
0.64
3
24
22
1.42
0.20
1.09
0.91
6.74
4.38
74
19
26
0.00
3.53
63.04
1.12
32
55
0.00
3.71
25.85
6.28
44
30
0.00
4.18
33.39
5.18
39
39
0.00
4.28
26.44
5.87
46
35
0.00
2.02
30.72
0.92
50
41
6.11
6.11
6.25
4.49
6.74
5.58
16.37
N/A
5.33
N/A
2.10
1.98
2.55
1.32
2.37
0.81
N/A
5.93
5.91
5.80
5.91
5.73
6.11
8.02
9.07
5.64
0.00
2.57
2.17
1.56
1.88
3.02
0.43
0.18
63
63
76
6
87
35
98
N/A
42
N/A
32
41
88
23
24
78
N/A
6.11
6.11
6.20
4.91
6.57
5.57
19.64
N/A
5.71
N/A
1.67
1.56
2.16
0.73
2.66
0.59
N/A
6.00
5.98
5.86
6.01
5.78
6.17
8.06
9.42
5.67
0.00
2.69
2.29
1.64
2.04
3.13
0.42
0.20
60
61
72
10
85
31
99
N/A
55
N/A
12
12
77
7
28
69
N/A
6.16
6.16
6.15
5.41
6.37
6.37
13.40
N/A
5.83
N/A
1.66
1.57
2.13
0.58
2.91
0.49
N/A
6.04
6.02
5.90
6.04
5.83
6.17
8.15
9.41
5.75
0.00
2.81
2.42
1.73
2.24
3.26
0.45
0.19
61
62
67
22
79
63
96
N/A
56
N/A
9
10
72
6
31
64
N/A
6.55
6.55
6.68
5.96
6.89
6.08
16.87
N/A
6.11
N/A
1.69
1.59
1.85
0.93
3.36
0.50
N/A
6.09
6.07
5.96
6.13
5.87
6.23
8.15
9.31
5.85
0.00
2.97
2.56
1.88
2.59
3.38
0.42
0.15
78
78
86
44
89
48
99
N/A
64
N/A
8
9
50
6
46
69
N/A
6.58
6.58
6.79
5.37
7.22
6.09
17.06
N/A
6.30
N/A
1.81
1.70
1.83
1.15
3.51
0.45
N/A
5.82
5.80
5.75
5.74
5.77
5.92
7.58
9.38
5.28
0.00
3.01
2.69
2.00
2.77
3.61
0.32
0.18
88
88
92
38
94
63
97
N/A
68
N/A
10
9
46
3
43
77
N/A
0.31
0.02
0.19
0.77
1.14
N/A
0.72
0.24
0.32
1.17
1.16
0.00
4
0
29
17
52
N/A
0.36
0.02
0.17
0.89
1.32
N/A
0.78
0.25
0.34
1.25
1.23
0.00
5
1
21
20
61
N/A
0.38
0.03
0.18
0.90
1.36
N/A
0.83
0.27
0.36
1.32
1.30
0.00
5
1
20
16
57
N/A
0.66
0.10
0.69
0.93
1.46
N/A
0.89
0.30
0.39
1.40
1.38
0.00
23
15
85
14
58
N/A
0.82
0.13
0.78
1.43
1.52
N/A
0.92
0.37
0.43
1.45
1.51
0.19
39
21
87
50
55
N/A
1.84
-3.18
N/A
0.55
0.33
2.71
8.06
0.79
93
0
N/A
22
1.84
6.44
N/A
0.91
0.32
2.73
7.67
0.85
95
95
N/A
58
1.89
3.38
N/A
0.81
0.34
2.89
7.52
0.90
95
59
N/A
39
1.79
3.35
N/A
0.83
0.37
3.04
8.29
0.96
95
52
N/A
35
0.28
3.38
N/A
0.93
0.60
2.73
5.01
1.02
39
59
N/A
41
FDIC Certificate # 22222
OCC Charter # 0
Public Report
FRB District/ID_RSSD 9 / 222222
County: TWO
TWO BANK
Securitization & Asset Sale Activities--Page 13
TWO, MN
Securitization & Asset Sale-a
Percent Change
1 Quarter
1 Year
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
N/A
N/A
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
0.00
N/A
N/A
Asset Backed Comml Paper Conduits
CR Exp Spons by Bank & Other
Liquid Comm by Bank & Other
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
Activity % Total Assets
Securitization Activities
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Asset Backed Comml Paper Conduits
Cr Exp Spons by Bank & Other
Liquid Comm by Bank & Other
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
16.23
1.58
0.00
1.57
15.01
65.61
16.37
2.61
0.00
1.40
13.73
65.89
14.61
3.50
0.00
0.90
14.35
66.65
12.53
4.12
0.00
0.92
14.00
68.43
6.88
5.13
0.00
0.85
17.53
69.60
Securitization Activities
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
12/31/2012
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12/31/2011
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12/31/2010
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12/31/2009
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12/31/2008
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Retained Interest-Only Strips
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Retained Credit Enhancements
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Unused Liquidity Commitments
0.00
0.00
Sellers Interest in Secs & Loans
Home Equity Lines
Credit Card Receivables
Commercial & Industrial Loans
0.00
0.00
0.00
0.00
Total Retained Credit Exposure
Percent of Tot Managed Assets on
Balance Sheet & Sec Assets
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
FDIC Certificate # 22222
OCC Charter # 0
Public Report
FRB District/ID_RSSD 9 / 222222
County: TWO
TWO BANK
Securitization & Asset Sale Activities--Page 13A
12/31/2012
TWO, MN
12/31/2010
Securitization & Asset Sale-b
12/31/2009
12/31/2008
% Tot Securitization Act by Type
Retained Int Only Strips
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Retained Credit Enhancement
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Unused Comm to Provide Liquidity
Sellers Int in Secs & LNS % Trust
Home Equity Lines
Credit Card Receivables
Commercial & Industrial Loans
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Percent of Tier 1 Capital
Total Retained Credit Exposure
Retained Interest-Only Strips
Retained Credit Enhancements
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
30-89 Day PD Securitized Assets
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Total 30-89 Day PD Secur Assets
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
90+ Days PD Securitized Assets
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Total 90+ Days PD Secur Assets
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Total Past Due Securitized Assets
0.00
0.00
0.00
0.00
0.00
Net Losses Securitized Assets
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Total Net Charge Off Secur Asset
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
FDIC Certificate # 22222
OCC Charter # 0
Public Report
FRB District/ID_RSSD 9 / 222222
County: TWO
12/31/2012
TWO BANK
Securitization & Asset Sale Activities--Page 13B
12/31/2011
TWO, MN
12/31/2010
Securitization & Asset Sale-c
12/31/2009
12/31/2008
30-89 Day PD Securitized Assets %
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Total 30-89 Days PD Secur Asset
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
90+ Day PD Securitized Assets %
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Total 90+ Day PD Secur Asset
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total PD Securitized Asets %
N/A
N/A
N/A
N/A
N/A
Net Losses on Securitized Assets%
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Net Losses on Securitized Assets
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
30-89 DAY PD managed assets %
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Commercial & Industrial Loans
All Other Loans and Leases
Total 30-89 Day PD Manage Asset
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
90+ DAY PD MANAGED ASSETS %
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Commercial & Industrial Loans
All Other Loans and Leases
Total 90+ Day PD Manage Asset
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Past Due Managed Assets %
N/A
N/A
N/A
N/A
N/A
Net Losses on Managed Assets %
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Commercial & Industrial Loans
All Other Loans and Leases
Net Losses on Managed Assets
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
FDIC Certificate # 22222
OCC Charter # 0
Public Report
FRB District/ID_RSSD 9 / 222222
County: TWO
12/31/2012
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%MGD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%MGD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%FID IN
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Fiduciary and Related Assets
Personal Trust and Agency
Employee Benefit DC
Employee Benefit DB
Other EB & Retirement-Related
Corporate Trust and Agency
Inv Mgmt & Inv Advisory Agency
Foundation & Endowment Trust & Agency
Other Fiduciary
Total Fiduciary Assets
Custody and Safekeeping
Memo: Accts in Foreign Offices
Memo: IRA, HSA & Other
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Fiduciary and Related Accounts
Personal Trust and Agency
Employee Benefit DC
Employee Benefit DB
Other EB & Retirement-Related
Corporate Trust and Agency
Inv Mgmt & Inv Advisory Agency
Foundation & Endowment Trust & Agency
Other Fiduciary
Total Number of Accounts
Custody and Safekeeping
Memo: Accts in Foreign Offices
Memo: IRA, HSA & Other
Fiduciary and Related Services Income
Personal Trust and Agency
Employee Benefit DC
Employee Benefit DB
Other EB & Retirement-Related
Corporate Trust and Agency
Inv Mgmt & Inv Advisory Agency
Foundation & Endowment Trust & Agency
Other Fiduciary
Custody and Safekeeping
Other Related Services
Gross Fiduciary and Related Income
Less: Expenses
Less:Net Losses
Plus: Intra-company Credits
Net Fiduciary and Related Income
Memo: Fiduciary Income - Foreign
Gross Fiduciary Income % Nonint Inc
Fiduciary Income % Fiduciary Assets
Personal Trust and Agency
Employee Benefit DC
Employee Benefit DB
Other EB & Retirement-Related
Corporate Trust and Agency
Inv Mgmt & Inv Advisory Agency
Other Fiduciary
Total Fiduciary Assets
Custody and Safekeeping
Memo: Fiduciary Income Foreign
Collective/Common Trust Fund Assets
Domestic Equity
International/Global Equity
Stock/Bond Blend
Taxable Bond
Municipal Bond
Short Term/Money Market
Specialty/Other
Total Trust Funds
Collective/Common Trust Fund Accounts
Domestic Equity
International/Global Equity
Stock/Bond Blend
Taxable Bond
Municipal Bond
Short Term/Money Market
Specialty/Other
Total Trust Funds
TWO BANK
Fiduciary & Related Services--Page 14
9/30/2012
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%MGD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%MGD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%FID IN
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
TWO, MN
12/31/2011
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%MGD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%MGD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%FID IN
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Bank
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
PCT
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Bank
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
PCT
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Bank
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Fiduciary Services-a
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
PCT
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
%Change
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
%Change
FDIC Certificate # 22222
OCC Charter # 0
Public Report
FRB District/ID_RSSD 9 / 222222
County: TWO
Gross Fiduciary Losses - Managed
Personal Trust and Agency
EB & Retirement Related Trust & Agency
Inv Mgmt & Inv Advisory Agency
Other Fiduciary
Total Gross Managed Losses
'($000)'
N/A
N/A
N/A
N/A
N/A
Gross Fiduciary Losses - Non Managed
Personal Trust and Agency
EB & Retirement Related Trust & Agency
Inv Mgmt & Inv Advisory Agency
Other Fiduciary
Total Gross Non Managed Losses
N/A
N/A
N/A
N/A
N/A
Net Fiduciary Losses - ALL
Personal Trust and Agency
EB & Retirement Related Trust & Agency
Inv Mgmt & Inv Advisory Agency
Other Fiduciary
Total Net Losses
Corporate Trust and Agency
Corporate and Muni Trusteeships
Issues in Default
All Other Corporate
Managed Assets in Fiduciary Accts
Noninterest-Bearing Deposits
Interest-Bearing Deposits
U.S. Treasury & Agency
State, County & Municipal
Money Market Mutual Funds
Equity Mutual Funds
Other Mutual Funds
Common & Collective Funds
Other Short-Term Obligations
Other Notes and Bonds
Unregistered Funds & Private Equity
Other Common & Preferred Stocks
Real Estate Mortgages
Real Estate
Miscellaneous Assets
Total Managed Assets
Memo: Fiduciary Assets in Advised or Sponsored Mutual Funds
Peer Group Descriptions for Fiduciary & Related Services:
Memo: Fiduciary Income Foreign
Collective/Common Trust Fund Assets
Domestic Equity
International/Global Equity
Stock/Bond Blend
Taxable Bond
Municipal Bond
Short Term/Money Market
Specialty/Other
Total Trust Funds
Collective/Common Trust Fund Accounts
Domestic Equity
International/Global Equity
Stock/Bond Blend
Taxable Bond
Municipal Bond
Short Term/Money Market
Specialty/Other
Total Trust Funds
12/31/2012
%Rev
N/A
N/A
N/A
N/A
N/A
TWO BANK
Fiduciary & Related Services--Page 14A
N/A
N/A
N/A
N/A
N/A
PCT
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
#ISS
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
9/30/2012
%Rev
N/A
N/A
N/A
N/A
N/A
TWO, MN
N/A
N/A
N/A
N/A
N/A
PCT
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
#ISS
%Change
'($000)'
#ISS
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Fiduciary Services-b
12/31/2011
%Rev
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
PCT
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Peer Number
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Net Interest Income (TE):
Avg Assets
Net Income:Avg Assets
Fiduciary Activities (inc)
Deposit Service Charges
Noninterest Income:
Avg Assets
Net from Trading Fees &
Comms (if available)
Foreign Exchange Trading
(if available)
Average Assets per
employee-$MM
Other Non-Interest Income
Personnel Expense:
Avg Assets
Non-interest expense:
Avg Assets
Provision for loan & lease
losses: Avg Assets
Average Personnel Exp
per equiv Emp-$M
Occupancy Expense:
Avg Assets
Realized G/L
HTM Securities
Premises, fixed assets:
Avg Assets
Avg Assets per domesic
office
Other operating expenses:
Avg Assets
Effiency Ratio
Realized G/L
AFS Securities
Net Extraordinary Items:
Avg Assets
Applicable Income Tax:
Avg Assets
Total Loans & Leases
(Yield On)
Real Estate Loans
(yield on)
Real Estate Loans
Avg Gross Lns & Leases
Interest Income (TE):
Avg Earning Assets
Interest Income (TE):
Avg Assets
Other Interest Income
US Treasury & agency
Securities
Commercial & Industria
Loans (yield on)
Commercial & Industrial
Avg Gross Lns & Leases
Investment Securities
(Yield On)
Mortgage backed securities
(yield on)
Loans to Individuals
(yield on)
Loans to Individuals
Avg Gross Lns & Leases
Interest Bearing Bank
Balances (Yield On)
All other securities
(yield on)
Agriculture Loans
(yield on)
Agriculture Loans:
Avg Gross Lns & Leases
Average Earning Assets
Avg Assets
Net Loans and Leases
Avg Assets
Debt Securities:
Avg Assets
Interest-Bearing Bank
Balances: Avg Assets
Federal Funds Sold
Avg Assets
Trading Acct Securities:
Avg Assets
Equity Securities:
Avg Assets
Federal Funds Sold
(Yield On)
Interest Expense
Avg Assets
Page 2
Transactions Accounts
(cost of)
All other time deposits
(cost of)
Other savings & deposits
(cost of)
Foreign Office Deposits
(cost of)
Total Interest Bearing
Deposits (cost of)
Interest Expense
Avg Earning Assets
Time deps over $100M
(cost of)
Federal Funds Purchased
& Repos (cost of)
Other Borrowings (+ note
option) (cost of)
Subord Notes &
Debentures (cost of)
Interest-Bearing Funds
Avg Assets
Page 3
Interest-bearing transaction
accts:avg assets
Foreign office deposits
avg assets
Interest-bearing non-trans
accts:avg assets
Other borrowings:
avg assets
Federal funds & repos
avg assets
Subord notes & debentures
avg assets
BANK THREE
FDIC Certificate # 33333
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 3333333
County: THREE
THREE BANK
THREE, AL
December 31, 2012 Uniform Bank Performance Report
Information
Introduction
This uniform bank performance report covers the operations of a bank and that of a
comparable group of peer banks. It is provided as a bank management tool by the Federal
Financial Institutions Examination Council. Detailed information
concerning the content of this report is provided in the Users Guide for the Uniform
Bank Performance Report found online at www.ffiec.gov.
This report has been produced for the use of the federal regulators of financial
institutions in carrying out their supervisory responsibilities. All information contained herein
was obtained from sources deemed reliable however no guarantee is given as to
the accuracy of the data. The information contained in this report are not to be construed
as a rating or other evaluation of a financial institution by a federal banking regulator.
The quarterly report of condition and income is the principal source of information
for this report. Please refer to that document for additional financial information and
an explanation of the accounting standards that underlie data shown herein.
For questions regarding content of reports contact:
1-888-237-3111 or email: cdr.help@ffiec.gov
Financial Institution Address:
THREE BANK
3333 THREE PARKWAY
SUITE 140
THREE
AL
35243The Current Federal Regulator is:
Federal Deposit Insurance Corporation
Table of Contents
Section
Cover Page
Summary Ratios--Page 1
Income Statement $--Page 2
Noninterest Income, Expenses and Yields--Page 3
Balance Sheet $--Page 4
Off Balance Sheet Items--Page 5
Derivative Instruments--Page 5A
Derivative Analysis--Page 5B
Balance Sheet Percentage Composition--Page 6
Analysis of Credit Allowance and Loan Mix--Page 7
Analysis of Credit Allowance and Loan Mix--Page 7A
Analysis of Concentrations of Credit--Page 7B
Analysis of Past Due, Nonaccrual & Restructured--Page 8
Analysis of Past Due, Nonaccrual & Restructured--Page 8A
Interest Rate Risk Analysis as a Percent of Assets--Page 9
Liquidity & Funding--Page 10
Liquidity & Investment Portfolio--Page 10A
Capital Analysis--Page 11
Capital Analysis--Page 11A
One Quarter Annualized Income Analysis--Page 12
Securitization & Asset Sale Activities--Page 13
Securitization & Asset Sale Activities--Page 13A
Securitization & Asset Sale Activities--Page 13B
Fiduciary & Related Services--Page 14
Fiduciary & Related Services--Page 14A
The bank was established on: 1/1/2005
The current peer group for this bank is: 4
Insured commercial banks having assets between $100 million and $300 million,
with 3 or more full service banking offices and located in a metropolitan statistical area
Table of Contents
Bank Holding Company Information:
FRB District / ID_RSSD 6 / 0
,
FDIC Certificate # 33333
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 3333333
County: THREE
THREE BANK
Summary Ratios--Page 1
THREE, AL
Summary Ratios
BANK
12/31/2012
PG 4
PCT
BANK
12/31/2011
PG 4
PCT
BANK
12/31/2010
PG 4
PCT
BANK
12/31/2009
PG 2005
PCT
BANK
12/31/2008
PG 2005
PCT
4.17
1.31
2.86
1.44
3.68
0.62
0.01
0.38
0.39
0.39
-0.27
0.00
0.39
0.39
4.25
0.63
3.61
0.69
3.32
0.29
0.75
0.07
0.84
0.65
0.59
0.00
0.56
0.64
43
98
8
88
70
83
18
93
24
29
14
99
32
29
4.47
1.64
2.83
0.63
3.76
0.93
-1.23
0.07
-1.16
-1.16
-0.73
0.00
-1.16
-1.16
4.56
0.87
3.69
0.63
3.33
0.51
0.48
0.05
0.54
0.37
0.38
0.00
0.31
0.38
42
98
6
55
72
79
12
72
11
10
15
99
10
10
4.77
1.93
2.85
0.52
3.08
0.27
0.02
0.10
0.12
0.12
0.06
0.00
0.12
0.12
4.82
1.18
3.65
0.64
3.34
0.78
0.19
0.05
0.25
0.13
0.24
0.00
0.07
0.13
45
96
9
41
39
26
33
75
34
34
32
99
34
34
5.07
2.16
2.92
0.46
3.28
2.28
-2.18
0.30
-1.89
-1.89
-1.28
0.00
-1.89
-1.89
4.98
1.96
2.99
0.28
3.25
1.57
-1.59
0.06
-1.52
-1.52
-1.07
0.00
-1.53
-1.53
54
62
47
77
51
70
35
92
38
37
40
99
37
37
6.09
2.58
3.51
0.41
3.16
0.52
0.24
0.00
0.24
0.24
0.52
N/A
0.24
0.24
5.85
2.76
3.08
0.27
3.50
1.00
-1.15
0.01
-1.15
-1.07
-0.49
0.00
-1.08
-1.07
70
34
74
75
38
42
77
70
76
78
75
N/A
79
78
Margin Analysis:
Avg Earning Assets to Avg Assets
Avg Int-Bearing Funds to Avg Assets
Int Inc (TE) to Avg Earn Assets
Int Expense to Avg Earn Assets
Net Int Inc-TE to Avg Earn Assets
96.24
81.14
4.33
1.36
2.97
92.37
74.26
4.62
0.69
3.92
87
81
31
98
5
94.74
81.56
4.72
1.73
2.98
92.55
75.75
4.94
0.94
4.00
72
77
34
98
4
88.17
82.39
5.41
2.18
3.23
92.32
77.13
5.24
1.28
3.96
12
75
62
98
12
95.15
84.62
5.33
2.27
3.06
94.34
80.52
5.28
2.08
3.17
57
73
56
59
47
97.60
87.08
6.24
2.64
3.60
95.31
78.63
6.14
2.90
3.24
79
93
58
30
71
Loan & Lease Analysis:
Net Loss to Average Total LN&LS
Earnings Coverage of Net Losses (X)
LN&LS Allowance to LN&LS Not HFS
LN&LS Allowance to Net Losses (X)
LN&LS Allowance to Total LN&LS
Total LN&LS-90+ Days Past Due
-Nonaccrual
-Total
1.81
0.49
2.31
1.12
2.14
0.00
5.62
5.62
0.52
7.92
1.91
7.01
1.89
0.07
2.23
2.37
93
18
72
6
66
52
88
87
0.69
-0.61
2.82
3.79
2.73
0.18
3.96
4.14
0.82
5.85
1.99
5.13
1.97
0.09
2.77
2.93
54
5
82
60
81
77
70
71
0.43
0.88
1.91
4.14
1.86
0.00
2.70
2.70
0.98
4.80
1.97
3.92
1.95
0.12
3.09
3.30
37
31
55
67
53
45
56
54
2.05
0.06
1.75
0.88
1.72
0.00
3.85
3.85
1.52
0.64
2.07
2.64
2.06
0.11
3.37
3.77
65
46
42
24
41
70
62
61
0.27
3.19
1.12
4.87
1.10
0.03
1.87
1.90
0.53
1.23
1.58
12.83
1.58
0.08
1.90
2.08
49
72
20
51
20
76
58
56
Liquidity
Net Non Core Fund Dep New $250M
Net Loans & Leases to Assets
11.17
68.77
-1.59
61.73
83
67
9.15
69.39
0.90
63.16
73
65
11.44
63.50
3.25
65.44
72
41
37.73
81.59
33.37
73.35
57
82
57.36
70.77
41.44
78.28
80
18
Capitalization
Tier One Leverage Capital
Cash Dividends to Net Income
Retained Earnings to Avg Total Equity
Rest+Nonac+RE Acq to Eqcap+ALLL
7.16
0.00
5.62
82.92
9.80
25.49
2.96
30.13
9
44
69
90
6.01
0.00
-18.49
110.46
9.57
20.86
0.75
36.19
6
51
8
91
6.11
0.00
1.85
121.75
9.16
20.86
-2.11
41.41
8
51
45
90
6.43
0.00
-23.27
77.11
9.03
0.09
-17.34
44.98
17
92
32
75
9.39
0.00
2.33
23.27
10.78
-1.37
-8.88
19.60
37
96
82
63
-11.47
6.35
-12.26
-63.52
-64.06
3.20
4.25
0.95
37.85
-3.64
5
65
10
5
9
-19.55
-16.47
-12.08
-41.05
-79.12
1.91
3.56
-2.12
27.84
-59.10
1
8
12
18
22
13.94
2.57
-11.33
1,625.37
53.26
1.13
1.95
-3.09
52.07
-11.37
92
42
18
98
95
-7.09
-21.81
7.11
-80.91
-71.98
12.58
-2.44
5.48
442.55
1.54
9
25
56
4
1
86.60
12.92
49.68
21.35
134.03
27.28
-0.51
33.70
65.71
73.26
95
84
77
65
79
Earnings and Profitability
Percent of Average Assets:
Interest Income (TE)
- Interest Expense
Net Interest Income (TE)
+ Noninterest Income
- Noninterest Expense
- Provision: Loan & Lease Losses
Pretax Operating Income (TE)
+ Realized Gains/Losses Sec
Pretax Net Operating Income (TE)
Net Operating Income
Adjusted Net Operating Income
Net Inc Attrib to Min Ints
Net Income Adjusted Sub S
Net Income
Growth Rates
Total Assets
Tier One Capital
Net Loans & Leases
Short Term Investments
Short Term Non Core Funding
Average Total Assets
Total Equity Capital
Net Income
Number of banks in Peer Group
218,709
15,323
848
242,412
14,565
-2,818
260,820
16,058
315
247,387
16,288
-4,667
188,024
21,250
446
719
736
769
139
151
FDIC Certificate # 33333
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 3333333
County: THREE
THREE BANK
Income Statement $--Page 2
THREE, AL
Income Statement $
12/31/2012
8,191
0
0
0
8,191
12/31/2011
9,745
0
0
0
9,745
12/31/2010
11,576
0
0
0
11,576
12/31/2009
11,409
0
0
0
11,409
12/31/2008
10,638
0
0
0
10,638
Percent Change
1 Year
##########
N/A
N/A
N/A
##########
US Treas & Agency (Excl MBS)
Mortgage Backed Securities
Estimated Tax Benefit
All Other Securities
Tax-Exempt Securities Income
Investment Interest Income (TE)
21
421
0
460
0
902
59
557
0
449
0
1,065
202
480
0
157
0
839
163
899
0
59
0
1,121
302
388
0
43
0
733
-64.41
-24.42
N/A
2.45
N/A
-15.31
Interest on Due From Banks
Int on Fed Funds Sold & Resales
Trading Account Income
Other Interest Income
20
0
0
0
19
0
0
0
29
0
0
0
9
11
0
0
0
41
0
35
5.26
N/A
N/A
N/A
9,113
10,829
12,444
12,550
11,447
-15.85
N/A
398
2,078
2
388
0
N/A
556
3,029
0
395
0
N/A
614
4,007
0
401
0
N/A
1,553
3,380
1
402
0
N/A
1,033
3,219
27
566
0
N/A
-28.42
-31.4
N/A
-1.77
N/A
2,866
3,980
5,022
5,336
4,845
-27.99
Net Interest Income (TE)
Non-interest Income
Adjusted Operating Income (TE)
6,247
3,153
9,400
6,849
1,523
8,372
7,422
1,350
8,772
7,214
1,141
8,355
6,602
763
7,365
-8.79
107.03
12.28
Non-Interest Expense
Provision: Loan & Lease Losses
Pretax Operating Income (TE)
8,042
1,345
13
9,103
2,258
-2,989
8,025
700
47
8,120
5,636
-5,401
5,945
974
446
-11.66
-40.43
100.43
0
835
848
0
171
-2,818
0
268
315
0
734
-4,667
0
0
446
N/A
388.3
130.09
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
N/A
N/A
N/A
N/A
848
-2,818
315
-4,667
446
130.09
Net Extraordinary Items
Net Inc Noncontrolling Minority Interests
Net Income
0
0
848
0
0
-2,818
0
0
315
0
0
-4,667
0
N/A
446
N/A
N/A
130.09
Cash Dividends Declared
Retained Earnings
Memo: Net International Income
0
848
N/A
0
-2,818
N/A
0
315
N/A
0
-4,667
N/A
0
446
N/A
N/A
130.09
N/A
Interest and Fees on Loans
Income From Lease Financing
Tax-Exempt
Estimated Tax Benefit
Income on Loans & Leases (TE)
Total Interest Income (TE)
Int on Deposits in Foreign Off
Interest on Time Dep Over $100M
Interest on All Other Deposits
Int on Fed Funds Purch & Repos
Int Trad Liab & Oth Borrowings
Int on Sub Notes & Debentures
Total Interest Expense
Realized G/L Hld-to-Maturity Sec
Realized G/L Avail-for Sale Sec
Pretax Net Operating Inc (TE)
Applicable Income Taxes
Current Tax Equiv Adjustment
Other Tax Equiv Adjustments
Applicable Income Taxes (TE)
Net Operating Income
FDIC Certificate # 33333
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 3333333
County: THREE
THREE BANK
Noninterest Income, Expenses and Yields--Page 3
THREE, AL
Non Int Inc, Exp, Yields
BANK
2.01
0.28
1.39
3.68
2.24
12/31/2012
PG 4
1.70
0.43
1.16
3.32
2.58
PCT
77
15
74
70
31
BANK
1.30
0.22
2.23
3.76
3.13
12/31/2011
PG 4
1.67
0.44
1.19
3.33
2.66
PCT
16
6
94
72
75
BANK
1.34
0.22
1.51
3.08
2.56
12/31/2010
PG 4
1.65
0.45
1.21
3.34
2.65
PCT
24
5
76
39
47
BANK
1.58
0.28
1.43
3.28
2.82
12/31/2009
PG 2005
1.51
0.46
1.25
3.25
2.95
PCT
55
16
69
51
42
BANK
1.82
0.29
1.06
3.16
2.76
12/31/2008
PG 2005
1.83
0.53
1.13
3.50
3.21
PCT
47
13
50
38
32
85.55
71.90
3.40
76.82
64.70
3.97
72
71
34
108.73
71.73
5.33
76.82
62.01
3.89
93
78
87
91.48
75.87
6.34
78.35
60.54
3.81
78
86
95
97.19
81.29
5.33
101.23
79.53
5.62
54
56
53
80.72
69.71
5.62
104.87
79.98
5.08
23
36
65
Yield on or Cost of:
Total Loan & Leases (TE)
Loans in Domestic Offices
Real Estate
Secured by 1-4 Fam Resi Prop
All Other Loans Sec Real Estate
Commercial & Industrial
Individual
Credit Card
Agricultural
Loans in Foreign Offices
Total Investment Securities (TE)
Total Investment Securities (Book)
US Treas & Agency (Excl MBS)
Mortgage Backed Securities
All Other Securities
Interest-Bearing Bank Balances
Federal Funds Sold & Resales
Total Interest Bearing Deposits
Transaction accounts
Other Savings Deposits
Time Deps Over $100M
All Other Time Deposits
Foreign Office Deposits
5.31
5.31
5.36
5.15
5.49
6.31
6.58
N/A
N/A
N/A
2.12
2.12
1.94
1.26
5.84
0.16
0.00
1.50
0.12
0.56
2.04
2.36
N/A
5.82
5.80
5.76
5.69
5.80
6.07
7.54
10.25
5.75
0.00
2.54
2.27
1.67
2.17
3.22
0.35
0.22
0.78
0.27
0.37
1.24
1.21
0.00
18
20
26
31
32
65
31
N/A
N/A
N/A
33
40
65
13
96
23
16
98
24
80
93
97
N/A
5.58
5.58
5.67
5.78
5.61
5.70
5.91
N/A
N/A
N/A
2.49
2.49
3.09
1.69
5.71
0.17
0.00
1.93
0.28
0.76
2.51
2.62
N/A
6.02
6.00
5.95
5.92
5.97
6.29
7.85
9.67
6.21
5.96
3.07
2.80
2.09
3.02
3.60
0.37
0.23
1.06
0.36
0.54
1.55
1.56
0.39
22
22
32
47
29
28
16
N/A
N/A
N/A
28
34
83
8
96
25
15
99
48
77
95
96
N/A
5.86
5.86
5.73
5.69
5.75
6.37
6.17
N/A
N/A
N/A
3.03
3.03
4.39
2.18
15.70
0.92
0.00
2.30
1.10
1.25
2.83
2.80
N/A
6.16
6.14
6.10
6.11
6.09
6.42
7.90
9.35
6.36
5.63
3.59
3.31
2.64
3.64
3.88
0.51
0.20
1.43
0.47
0.75
1.98
2.04
0.50
30
31
28
35
31
53
16
N/A
N/A
N/A
28
35
92
9
99
75
13
97
89
89
93
92
N/A
5.63
5.63
6.58
6.13
6.81
3.58
6.55
N/A
N/A
N/A
4.29
4.29
3.74
4.33
5.90
2.85
0.21
2.53
2.25
1.22
3.13
3.01
N/A
5.92
5.92
5.97
5.84
6.01
6.04
6.54
14.64
6.66
0.00
3.94
3.90
3.54
4.39
3.54
0.81
0.21
2.44
0.76
1.45
2.84
3.00
0.00
32
32
83
59
86
2
50
N/A
N/A
N/A
63
64
54
47
83
91
51
55
94
33
65
47
N/A
6.40
6.40
4.69
5.88
3.74
6.83
7.62
N/A
N/A
N/A
5.50
5.50
5.29
5.52
7.31
0.00
2.27
3.15
0.56
2.35
3.93
3.71
N/A
6.60
6.60
6.68
6.50
6.72
6.54
7.02
6.82
6.97
0.00
4.88
4.84
4.66
5.21
3.86
2.08
2.07
3.54
1.32
2.43
4.15
4.16
0.00
40
40
1
31
1
66
62
N/A
N/A
N/A
82
86
77
82
91
19
71
23
19
38
32
16
N/A
Federal Funds Purchased & Repos
Other Borrowed Money
Subord Notes & Debentures
All Interest-Bearing Funds
1.47
3.23
N/A
1.62
0.36
2.40
5.66
0.85
92
60
N/A
98
0.00
3.22
N/A
2.01
0.46
2.59
6.10
1.14
32
55
N/A
98
0.00
2.80
N/A
2.34
0.53
2.77
9.98
1.52
33
39
N/A
97
1.05
2.88
N/A
2.55
0.74
2.64
5.32
2.44
69
53
N/A
55
1.41
2.13
N/A
2.96
2.35
3.04
2.42
3.51
20
18
N/A
17
Percent of Average Assets
Personnel Expense
Occupancy Expense
Other Oper Exp (Incl Intangibles)
Total Overhead Expense
Overhead Less Nonint Inc
Other Income & Expense Ratios:
Efficiency Ratio
Avg Personnel Exp Per Empl($000)
Assets Per Employee ($Million)
Non-interest Income & Expenses
Fiduciary Activities
Deposit Service Charges
Trading, Vent Cap, Securtz Inc
Inv Banking, Advisory Inc
Insurance Comm & Fees
Net Servicing Fees
Loan & Lse Net Gains/Loss
Other Net Gains/Losses
Other Non-interest Income
Non-interest Income
Personnel Expense
Occupancy Expense
Goodwill Impairment
Other Intangible Amortiz
Other Oper Exp(incl Intangibles)
Non-Interest Expense
Domestic Banking Offices(#)
Foreign Branches (#)
Assets Per Domestic Office
0
161
0
0
0
0
0
-567
3,559
3,153
4,386
608
0
0
3,048
8,042
3
0
69,220
0
183
0
0
0
0
0
-272
1,612
1,523
3,156
545
0
0
5,402
9,103
3
0
78,190
0
191
0
0
0
0
0
-185
1,344
1,350
3,490
586
0
0
3,949
8,025
3
0
97,186
0
166
0
0
0
0
0
-673
1,648
1,141
3,902
691
0
0
3,527
8,120
3
0
85,299
0
85
0
0
0
0
0
-7
685
763
3,416
538
0
0
1,991
5,945
3
0
91,808
FDIC Certificate # 33333
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 3333333
County: THREE
12/31/2012
THREE BANK
Balance Sheet $--Page 4
12/31/2011
THREE, AL
12/31/2010
Balance Sheet $
12/31/2009
12/31/2008
Percent Change
1 Quarter
1 Year
Assets:
Real Estate Loans
Commercial Loans
Individual Loans
Agricultural Loans
Other LN&LS in Domestic Offices
LN&LS in Foreign Offices
Loans Held for Sale
Loans not Held for Sale
LN&LS Allowance
Net Loans & Leases
U.S. Treasury & Agency Securities
Municipal Securities
Foreign Debt Securities
All Other Securities
Interest-Bearing Bank Balances
Federal Funds Sold & Resales
Trading Account Assets
Total Investments
Total Earning Assets
119,816
20,091
5,091
0
929
N/A
10,787
135,140
3,122
142,805
39,441
7,661
0
1,000
6,025
0
0
54,127
196,932
133,759
25,779
6,658
0
1,132
N/A
5,773
161,555
4,563
162,765
30,602
7,343
0
1,000
16,079
439
0
55,463
218,228
148,789
33,024
5,680
0
1,150
N/A
4,891
183,753
3,509
185,135
48,319
6,500
0
1,000
28,020
0
0
83,839
268,974
168,749
36,304
6,249
0
1,150
N/A
3,674
208,778
3,657
208,795
16,341
0
0
1,000
281
1,343
0
18,965
227,760
151,454
40,273
5,368
0
0
N/A
3,623
193,472
2,167
194,928
36,244
0
0
1,000
507
8,002
0
45,753
240,681
-2.67
-0.22
-30.41
N/A
0.11
N/A
19.05
-5.11
-23.54
-3.12
-5.57
0.72
N/A
0.00
-14.73
-100.00
N/A
-5.78
-3.86
-10.42
-22.06
-23.54
N/A
-17.93
N/A
86.85
-16.35
-31.58
-12.26
28.88
4.33
N/A
0.00
-62.53
-100.00
N/A
-2.41
-9.76
Nonint Cash & Due From Banks
Premises, Fix Assts, Cap Leases
Other Real Estate Owned
Dir & Indir Inv RE Ventures
Inv in Unconsolidated Subs
Acceptances & Oth Assets
Total Assets
Average Assets During Quarter
618
864
7,088
0
0
2,158
207,660
206,062
3,472
974
9,292
0
0
2,605
234,571
230,985
3,098
1,185
14,312
0
0
3,989
291,558
271,993
14,705
1,204
7,196
0
0
5,032
255,897
251,954
28,719
1,341
1,765
0
0
2,918
275,424
220,586
-82.43
-4.64
-5.79
N/A
N/A
12.69
-5.05
-6.80
-82.20
-11.29
-23.72
N/A
N/A
-17.16
-11.47
-10.79
Liabilities:
Demand Deposits
All Now & ATS Accounts
Money Market Deposit Accounts
Other savings Deposits
Time Deps At Or Below Insurance Limit
Less: Fully Insured Brokered Deposits
Core Deposits
Fully Insured Brokered Deposits
Time Deps Above Insurance Limit
Deposits in Foreign Offices
Total Deposits
Federal Funds Purch & Resale
Fed Home Loan Bor Mat < 1 Year
Fed Home Loan Bor Mat > 1 Year
Oth Borrowing Mat < 1 Year
Oth Borrowing Mat > 1 Year
Acceptances & Other Liabilities
Total Liabilities (Incl Mortg)
Subordinated Notes & Debentures
Total Bank Capital & Min Int
Total Liabilities & Capital
23,881
28,113
13,274
30,761
80,542
13,657
162,914
13,657
2,485
0
179,055
0
0
12,000
0
0
1,282
192,337
0
15,323
207,660
20,968
28,528
20,493
28,777
105,748
21,516
182,998
21,516
2,301
0
206,815
0
0
12,000
0
0
1,191
220,006
0
14,565
234,571
39,282
25,866
28,477
12,887
151,410
41,374
216,548
41,374
3,838
0
261,759
0
0
12,000
0
0
1,741
275,500
0
16,058
291,558
14,159
49,955
33,980
14,993
84,906
49,268
148,725
49,268
28,387
0
226,380
0
0
12,000
0
0
1,229
239,609
0
16,288
255,897
11,501
43,135
15,517
22,284
64,734
46,793
110,378
46,793
52,902
0
210,073
0
0
12,000
0
31,000
1,101
254,174
0
21,250
275,424
-14.45
13.56
-18.75
-4.21
-6.09
0.00
-5.96
0.00
0.16
N/A
-5.45
N/A
N/A
0.00
N/A
N/A
-18.45
-5.23
N/A
-2.83
-5.05
13.89
-1.45
-35.23
6.89
-23.84
-36.53
-10.98
-36.53
8.00
N/A
-13.42
N/A
N/A
0.00
N/A
N/A
7.64
-12.58
N/A
5.20
-11.47
2
5,009
0
48,102
13,657
2
6,205
0
38,945
21,516
2
6,840
0
55,819
41,374
2
6,831
0
17,341
49,511
1
3,971
0
37,244
46,793
-18.54
N/A
-4.51
0.00
-19.27
N/A
23.51
-36.53
Memoranda:
Officers, Shareholder Loans (#)
Officers, Shareholder Loans ($)
Held-to-Maturity Securities
Available-for-Sale Securities
All Brokered Deposits
FDIC Certificate # 33333
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 3333333
County: THREE
BANK
2.75
0.00
1.28
0.79
0.48
0.00
5.47
9.50
0.00
12/31/2012
PG 4
1.32
0.08
1.59
0.52
0.97
0.00
4.21
7.91
0.00
PCT
79
81
48
71
39
92
70
66
99
Standby Letters of Credit
Amount Conveyed to Others
Commercial Letters of Credit
0.65
N/A
0.00
0.20
0.00
0.01
Assets Securitized or Sold w/Rec
Amount of Recourse Exposure
0.74
0.74
Credit Derivatives Bank as Guarantor
Credit Derivatives Bank as Beneficiary
All Oth Off-Balance Sheet Items
Outstanding (% of Total)
Home Equity (1-4 Family)
Credit Card
Commercial RE Secured by RE
1-4 Family Residential
Comml RE, Oth Const & Land
Commercial RE Not Secured by RE
All Other
Total LN&LS Commitments
Securities Underwriting
Off-Balance Sheet Items
Outstanding ($000)
Home Equity (1-4 Family)
Credit Card
Commercial RE Secured by RE
1-4 Family Residential
Commercial RE, Oth Const & Land
Commercial RE Not Secured by RE
All Other
Securities Underwriting
Memo: Unused Commit w/mat GT 1 YR
THREE BANK
Off Balance Sheet Items--Page 5
BANK
3.24
0.00
0.00
0.00
0.00
0.00
6.09
9.33
0.00
12/31/2011
PG 4
1.33
0.09
1.29
0.39
0.80
0.00
4.03
7.41
0.00
PCT
85
79
6
20
12
91
78
70
99
88
N/A
89
2.09
N/A
0.00
0.24
0.00
0.00
0.11
0.01
90
96
1.68
1.68
0.00
0.00
0.00
0.00
99
99
0.00
0.09
10.88
9.23
THREE, AL
BANK
2.97
0.00
1.36
0.01
1.35
0.00
2.34
6.66
0.00
12/31/2010
PG 4
1.35
0.10
1.25
0.38
0.78
0.00
4.07
7.46
0.00
PCT
81
79
59
23
75
91
30
47
99
98
N/A
89
0.37
N/A
0.00
0.25
0.00
0.01
0.11
0.01
92
97
1.10
1.10
0.00
0.00
0.00
0.00
99
99
90
0.00
0.09
67
13.11
8.77
Off Balance Sheet Items
BANK
3.13
0.00
4.23
0.62
3.61
0.00
2.78
10.14
0.00
12/31/2009
PG 2005
1.84
0.01
1.73
0.42
1.16
0.02
4.69
9.45
0.00
PCT
75
88
87
70
90
84
38
61
99
70
N/A
88
1.79
N/A
0.00
0.26
0.00
0.03
0.09
0.01
92
98
1.29
1.29
0.00
0.00
0.00
0.00
99
99
90
0.00
0.09
81
8.14
8.86
Percent Change
1 Quarter
1 Year
BANK
2.88
0.00
4.41
0.99
3.42
1.27
5.10
13.66
0.00
12/31/2008
PG 2005
2.08
0.01
3.52
0.85
2.44
0.07
5.57
12.99
0.00
PCT
65
89
62
61
69
93
54
57
99
95
N/A
84
1.77
0.00
0.00
0.32
0.00
0.01
92
90
86
0.00
0.06
95
97
1.04
1.04
0.15
0.02
98
99
0.00
0.00
0.00
0.00
99
99
0.00
0.00
0.00
0.00
99
99
89
0.00
0.05
97
1.82
0.03
98
50
13.23
10.31
71
18.28
13.72
73
5,717
0
2,653
1,649
1,004
0
11,356
0
6,736
7,607
0
0
0
0
0
14,290
0
578
8,649
0
3,959
35
3,924
0
6,823
0
2,048
8,011
0
10,834
1,589
9,245
0
7,114
0
8,171
7,923
0
12,149
2,726
9,423
3,500
14,051
0
317
-7.33
N/A
95.94
57.50
227.04
N/A
-1.88
N/A
-6.31
-24.85
N/A
N/A
N/A
N/A
N/A
-20.53
N/A
1,065.40
Standby Letters of Credit
Amount Conveyed to Others
Commercial Letters of Credit
1,341
N/A
0
4,906
N/A
0
1,086
N/A
0
4,586
N/A
0
4,877
0
0
0.00
N/A
N/A
-72.67
N/A
N/A
Assets Securitized or Sold w/recourse
Amount of Recourse Exposure
1,527
1,527
3,951
3,951
3,215
3,215
3,311
3,311
2,857
2,857
1.60
1.60
-61.35
-61.35
Credit Derivatives Bank as Guarantor
Credit Derivatives Bank as Beneficiary
0
0
0
0
0
0
0
0
0
0
N/A
N/A
N/A
N/A
All Oth Off-Balance Sheet Items
0
0
0
0
5,000
N/A
N/A
22,594
30,754
23,732
33,856
50,357
2.98
-26.53
Off-Balance Sheet Items
FDIC Certificate # 33333
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 3333333
County: THREE
12/31/2012
THREE BANK
Derivative Instruments--Page 5A
12/31/2011
THREE, AL
12/31/2010
Derivative Instruments
12/31/2009
12/31/2008
Notional Amount ($000)
Derivative Contracts
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Derivatives Position
Future and Forwards
Written Options
Exchange Traded
Over-the-Counter
Purchased Options
Exchange Traded
Over-the-Counter
Swaps
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Held-for-Trading
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
Non-Traded
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
Memo: Marked-to-Market
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Derivative Contracts (RBC Def)
One Year or Less
Over 1 Year to 5 Years
Over 5 Years
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Gross Negative Fair Value
Gross Positive Fair Value
Held-for-Trading
Non-Traded
Memo: Marked-to-Market
Curr Credit Exp on RBC Derivatives Contr
Credit Losses Off_BS Derivatives
0
0
0
0
0
0
N/A
0
0
0
0
0
0
N/A
0
0
0
0
0
0
N/A
0
0
0
0
0
0
N/A
0
0
0
0
0
0
N/A
Past Due Derivatives Instruments:
Fair Value Carried as Assets
N/A
N/A
N/A
N/A
N/A
Impact Nontraded Derivatives Contracts:
Increase (Decr) in Interest Inc
Increase (Decr) in Interest Exp
Increase (Decr) in Nonint ALLOC
Increase (Decr) in Net Income
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
FDIC Certificate # 33333
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 3333333
County: THREE
THREE BANK
Derivative Analysis--Page 5B
THREE, AL
Derivative Analysis
BANK
N/A
N/A
N/A
12/31/2012
PG 4
99.07
0.00
0.93
PCT
N/A
N/A
N/A
BANK
N/A
N/A
N/A
12/31/2011
PG 4
97.60
0.00
2.40
PCT
N/A
N/A
N/A
BANK
N/A
N/A
N/A
12/31/2010
PG 4
97.94
0.00
2.06
PCT
N/A
N/A
N/A
BANK
N/A
N/A
N/A
12/31/2009
PG 2005
99.55
0.00
0.45
PCT
N/A
N/A
N/A
BANK
N/A
N/A
N/A
12/31/2008
PG 2005
93.33
6.67
0.00
PCT
N/A
N/A
N/A
Derivatives Position
Futures and Forwards
Written Options
Exchange Traded
Over-the-Counter
Purchased Options
Exchange Traded
Over-the-Counter
Swaps
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
19.63
23.68
0.09
23.55
0.71
0.06
0.65
2.20
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
24.11
24.40
0.00
24.40
0.14
0.00
0.14
0.93
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
25.15
25.32
0.00
25.32
1.61
0.00
1.61
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
27.92
22.79
0.00
22.79
10.00
0.00
10.00
39.29
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
27.06
26.81
0.00
26.81
3.33
0.00
3.33
42.80
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Held-for-Trading
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
Non-Traded
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
Memo: Marked-to-Market
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
0.00
11.11
0.00
0.93
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
0.00
6.79
0.00
2.40
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2.06
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
33.33
33.33
0.00
0.00
66.67
66.22
0.00
0.45
66.67
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
20.00
20.00
0.00
0.00
80.00
73.33
6.67
0.00
80.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Derivative Contracts (RBC Def)
One Year or Less
Over 1 Year to 5 Years
Over 5 Years
N/A
N/A
N/A
N/A
25.67
15.85
1.73
4.20
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
30.84
22.84
1.19
3.64
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
31.33
24.07
2.41
2.73
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
76.08
42.07
19.30
14.71
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
66.66
30.44
19.89
16.33
N/A
N/A
N/A
N/A
Gross Negative Fair Value
Gross Positive Fair Value
N/A
N/A
0.42
0.56
N/A
N/A
N/A
N/A
0.51
0.57
N/A
N/A
N/A
N/A
0.33
0.36
N/A
N/A
N/A
N/A
0.66
0.85
N/A
N/A
N/A
N/A
1.73
1.65
N/A
N/A
By Tier One Capital:
Gross Negative Fair Value (x)
Gross Positive Fair Value (x)
Held-for-Trading (x)
Non-Traded (x)
Non-Traded Marked-to-Mkt(x)
Current Credit Exposure (x)
Credit Losses on Derivatives
0.00
0.00
0.00
0.00
0.00
0.00
N/A
0.00
0.00
0.01
0.01
0.01
0.00
0.00
94
93
98
85
85
97
N/A
0.00
0.00
0.00
0.00
0.00
0.00
N/A
0.00
0.00
0.01
0.01
0.01
0.00
0.00
95
93
98
88
88
97
N/A
0.00
0.00
0.00
0.00
0.00
0.00
N/A
0.00
0.00
0.01
0.01
0.01
0.00
0.00
96
94
98
88
88
97
N/A
0.00
0.00
0.00
0.00
0.00
0.00
N/A
0.00
0.00
0.01
0.00
0.00
0.00
1.63
95
93
95
92
92
95
N/A
0.00
0.00
0.00
0.00
0.00
0.00
N/A
0.01
0.00
0.02
0.01
0.01
0.00
0.00
95
94
97
91
91
95
N/A
Past Due Derivative Instruments:
Fair Value Carried as Assets
N/A
0.00
N/A
N/A
0.00
N/A
N/A
0.00
N/A
N/A
0.00
N/A
N/A
0.00
N/A
0.00
N/A
0.01
0.00
97
N/A
0.00
N/A
0.00
0.00
97
N/A
0.00
N/A
0.00
0.00
97
N/A
0.00
N/A
0.01
10.79
95
N/A
0.00
N/A
0.02
0.00
95
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
Percent of Notional Amounts
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
Other Ratios:
Cur Credit Exposure/Risk WT AST
Credit Losses on Derivatives/CR Allow
Impact Nontraded Derivatives Contracts:
Incr(Dec) Interest Inc/Net Inc
Incr(Dec) Interest Exp/Net Inc
Incr(Dec) Nonint ALLOC/Net Inc
Incr(Dec) Net Income/Net Inc
FDIC Certificate # 33333
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 3333333
County: THREE
THREE BANK
Balance Sheet Percentage Composition--Page 6
THREE, AL
Balance Sheet %
Percent of Average Assets
Loans Held For Sale
Loans Not Held For Sale
Less: LN&LS Allowance
Net Loans & Leases
BANK
3.44
66.57
1.78
68.23
12/31/2012
PG 4
0.19
62.62
1.22
62.02
PCT
96
59
82
66
BANK
1.77
68.81
1.53
69.05
12/31/2011
PG 4
0.14
64.98
1.28
64.09
PCT
94
59
70
62
BANK
1.47
72.77
1.32
72.92
12/31/2010
PG 4
0.15
67.45
1.24
66.61
PCT
94
65
61
70
BANK
1.72
79.02
1.03
79.71
12/31/2009
PG 2005
0.05
76.49
1.33
75.32
PCT
95
61
31
71
BANK
0.83
83.33
0.99
83.18
12/31/2008
PG 2005
0.05
78.27
1.08
77.38
PCT
94
71
41
74
Interest-Bearing Bank Balances
Federal Funds Sold & Resales
Trading Account Assets
Held-to-Maturity Securities
Available-for-Sale Securities
5.66
0.04
0.00
0.00
19.85
6.28
1.16
0.02
0.61
18.27
53
44
98
67
57
5.72
0.04
0.00
0.00
17.82
5.70
1.31
0.02
0.75
16.68
56
35
98
65
58
3.55
0.16
0.00
0.00
11.97
4.61
1.66
0.03
0.82
14.97
50
31
98
63
44
0.11
1.61
0.00
0.00
10.56
3.41
2.78
0.00
0.16
8.10
17
40
96
81
63
0.09
3.21
0.00
0.00
7.60
1.09
4.04
0.00
0.16
8.24
31
46
98
83
48
93.78
91.18
78
92.62
91.13
65
88.59
91.06
22
91.99
92.86
37
94.07
93.42
49
1.12
0.41
3.66
0.00
0.00
1.02
6.22
100.00
2.40
2.24
1.07
0.00
0.00
2.61
8.80
100.00
14
4
90
99
92
8
21
99
1.40
0.43
4.32
0.00
0.00
1.23
7.38
100.00
2.25
2.24
1.14
0.00
0.00
2.78
8.87
100.00
22
5
92
98
91
10
34
99
4.87
0.44
4.44
0.00
0.00
1.67
11.41
100.00
2.26
2.24
1.05
0.01
0.00
2.91
8.94
100.00
93
5
94
98
90
20
77
99
3.93
0.51
1.92
0.00
0.00
1.65
8.01
100.00
2.09
1.75
0.86
0.01
0.00
1.75
7.06
100.00
85
27
80
97
97
55
62
99
3.84
0.67
0.27
0.00
0.00
1.15
5.93
100.00
2.10
2.04
0.30
0.00
0.00
1.60
6.58
100.00
87
30
62
97
96
32
50
99
1.24
0.22
96
1.07
0.25
93
1.49
0.26
96
1.78
0.26
95
2.14
0.35
95
10.86
12.12
7.35
14.21
41.55
7.30
78.80
7.30
1.18
0.00
87.28
14.44
10.48
15.51
9.06
28.08
1.12
79.74
1.12
4.09
0.00
85.81
30
59
20
78
88
92
41
92
10
99
56
9.19
10.20
9.07
8.38
50.39
10.93
76.30
10.93
1.04
0.00
88.27
12.99
9.87
14.65
8.75
30.89
1.54
78.63
1.54
4.49
0.02
85.62
29
55
29
60
93
94
32
94
6
99
69
6.79
13.11
11.42
4.83
48.46
16.11
68.50
16.11
3.37
0.00
87.98
11.73
9.27
13.63
8.29
30.80
1.99
74.58
1.99
7.40
0.02
84.93
19
73
45
39
93
96
22
96
11
99
70
4.80
12.32
11.48
7.24
22.99
20.14
38.68
20.14
25.48
0.00
84.29
7.92
4.47
14.45
2.13
24.52
8.02
48.10
8.02
23.25
0.00
82.22
22
90
46
84
45
87
27
87
60
99
57
5.32
4.84
6.31
18.76
20.95
14.00
42.18
14.00
18.77
0.00
74.96
8.11
3.89
15.90
1.80
25.62
9.50
47.78
9.50
20.25
0.00
79.98
28
69
13
96
36
68
28
68
44
99
23
0.00
5.38
0.00
1.86
0.40
2.12
0.01
5.40
60
81
88
18
0.00
4.83
0.00
6.18
0.43
2.51
0.02
7.72
58
75
80
40
0.00
4.99
0.00
13.62
0.52
3.23
0.04
16.16
55
67
75
39
0.00
4.71
2.43
18.31
0.75
4.33
0.10
28.50
53
52
96
14
1.59
7.45
5.93
35.63
1.21
4.26
0.04
27.89
70
71
99
77
0.57
93.23
0.52
89.69
63
93
0.76
93.86
0.51
89.98
78
95
0.69
93.67
0.52
90.26
73
94
0.68
92.12
0.46
89.72
77
87
0.48
90.40
0.53
87.67
48
74
0.00
6.77
100.00
0.02
10.28
100.00
98
6
93
0.00
6.14
100.00
0.01
10.01
100.00
98
4
91
0.00
6.33
100.00
0.01
9.73
100.00
98
5
92
0.00
7.88
100.00
0.03
10.18
100.00
97
13
92
0.00
9.60
100.00
0.01
12.32
100.00
98
25
93
Memo: All Brokered Deposits
Insured Brokered Deposits
7.30
7.30
1.30
1.12
91
92
10.93
10.93
1.76
1.54
94
94
16.13
16.11
2.38
2.06
96
96
21.20
20.14
10.56
8.02
79
87
14.00
14.00
10.14
9.50
65
68
Loans HFS as a % Loans
4.91
0.29
96
2.51
0.22
94
1.98
0.22
93
2.13
0.09
94
0.99
0.06
94
Total Earning Assets
Nonint Cash & Due From Banks
Premises, Fix Assts & Cap Leases
Other Real Estate Owned
Dir & Indir Inv RE Ventures
Inv in Unconsolidated Subs
Acceptances & Other Assets
Total Non-Earning Assets
Total Assets
Standby Letters of Credit
Liabilities
Demand Deposits
All NOW & ATS Accounts
Money Market Deposit Accounts
Other Savings Deposits
Time Deps At or Below Insurance Limit
Less: Fully Insured Brokered Deposits
Core Deposits
Fully Insured Brokered Deposits
Time Deps Above Insurance Limit
Deposits in Foreign Offices
Total Deposits
Federal Funds Purch & Repos
Total Fed Home Loan Borrowings
Total Other Borrowings
Memo: Sht Ter N Core Funding
Acceptances & Other Liabilities
Total Liabilities (Incl Mortg)
Subordinated Notes & Debentures
Total Bank Capital & Min Int
Total Liabilities & Capital
FDIC Certificate # 33333
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 3333333
County: THREE
THREE BANK
Analysis of Credit Allowance and Loan Mix--Page 7
THREE, AL
Allowance & Loan Mix-a
BANK
0.62
15.13
12/31/2012
PG 4
0.29
15.44
PCT
83
61
BANK
0.93
19.25
12/31/2011
PG 4
0.51
12.06
PCT
79
76
BANK
0.27
7.94
12/31/2010
PG 4
0.78
11.05
PCT
26
54
BANK
2.28
55.19
12/31/2009
PG 2005
1.57
9.58
PCT
70
91
BANK
0.52
1,500.00
12/31/2008
PG 2005
1.00
21.83
PCT
42
98
Net Loss to Average Total LN&LS
Gross Loss to Average Total LN&LS
Recoveries to Average Total LN&LS
1.81
1.95
0.14
0.52
0.63
0.10
93
92
74
0.69
0.82
0.13
0.82
0.93
0.09
54
54
74
0.43
0.61
0.18
0.98
1.08
0.07
37
44
85
2.05
2.19
0.14
1.52
1.57
0.02
65
66
91
0.27
0.31
0.05
0.53
0.54
0.01
49
52
90
LN&LS Allowance to LN&LS Not HFS
LN&LS Allowance to Total LN&LS
LN&LS Allowance to Net Losses (X)
LN&LS Allowance to Nonaccrual LN&LS (X)
2.31
2.14
1.12
0.38
1.91
1.89
7.01
1.63
72
66
6
11
2.82
2.73
3.79
0.69
1.99
1.97
5.13
1.36
82
81
60
41
1.91
1.86
4.14
0.69
1.97
1.95
3.92
1.20
55
53
67
45
1.75
1.72
0.88
0.45
2.07
2.06
2.64
1.14
42
41
24
26
1.12
1.10
4.87
0.59
1.58
1.58
12.83
1.69
20
20
51
32
Earnings Coverage of Net Losses (X)
0.49
7.92
18
-0.61
5.85
5
0.88
4.80
31
0.06
0.64
46
3.19
1.23
72
2.10
N/A
6.19
-1.10
7.77
0.00
0.68
0.65
0.80
0.00
2.14
3.56
0.00
N/A
0.46
0.00
0.90
0.17
0.92
0.01
0.44
0.29
0.46
0.04
0.32
0.23
0.30
0.00
94
N/A
92
3
93
91
73
80
76
89
95
97
62
N/A
0.80
0.00
5.73
49.68
-1.08
0.00
0.19
0.24
0.17
0.00
0.04
0.07
0.00
N/A
0.74
0.08
1.83
0.99
1.91
0.01
0.64
0.42
0.65
0.09
0.47
0.34
0.51
0.00
63
91
84
98
1
90
37
66
40
87
41
57
57
N/A
0.22
0.00
0.59
4.05
0.00
0.00
0.38
0.80
0.11
0.00
0.00
0.00
0.00
N/A
0.83
0.01
2.25
1.39
2.28
0.01
0.65
0.38
0.66
0.15
0.42
0.31
0.39
0.00
33
93
52
84
49
90
53
78
34
85
42
56
61
N/A
2.96
0.00
7.35
20.67
3.68
0.00
0.70
1.07
0.42
0.00
0.71
0.00
1.51
N/A
1.31
0.18
3.38
1.82
3.43
0.00
0.93
0.70
0.99
0.16
0.39
0.22
0.39
0.00
81
89
80
95
64
94
58
70
60
86
73
73
86
N/A
0.68
0.00
0.53
1.65
0.00
0.00
0.60
1.12
0.00
0.00
0.00
0.00
0.00
N/A
0.45
0.01
0.86
1.11
0.59
0.40
0.32
0.06
0.26
0.08
0.06
0.02
0.06
0.00
71
96
64
78
65
96
77
92
64
89
78
88
83
N/A
Agricultural Loans
Commercial and Industrial Loans
Lease Financing
Loans to Individuals
Credit Card Plans
N/A
1.15
N/A
0.00
N/A
0.00
0.66
-0.44
0.54
1.54
N/A
76
N/A
35
N/A
N/A
0.38
N/A
0.00
N/A
-0.01
0.98
0.08
0.81
1.73
N/A
49
N/A
27
N/A
N/A
1.49
N/A
0.07
N/A
0.04
1.45
1.02
0.89
2.11
N/A
64
N/A
26
N/A
N/A
0.11
N/A
0.97
N/A
0.00
1.66
5.97
0.95
6.60
N/A
31
N/A
72
N/A
N/A
0.00
N/A
0.00
N/A
0.00
0.45
0.00
0.34
0.38
N/A
55
N/A
61
N/A
All Other Loans & Leases
Loans to Foreign Governments
0.14
N/A
0.12
0.00
83
N/A
0.14
N/A
0.10
0.00
83
N/A
0.00
N/A
0.19
0.00
75
N/A
0.00
N/A
0.16
0.00
86
N/A
0.00
N/A
0.01
0.00
91
N/A
Analysis Ratios
Loss Provision to Average Assets
Recoveries to Prior Credit Loss
Net Losses by Type of LN&LS
Real Estate Loans
Loans to Finance Comml Real Estate
Construction & Land Development
1-4 Family Construction
Other Construction & Land
Secured by Farmland
Single & Multifamily Mortgage
Home Equity Loans
1-4 Family Non-Revolving
Multifamily Loans
Non-Farm Non-Residential Mtg
Owner Occupied Nonfarm Nonresidential
Other Nonfarm Nonresidential
RE Loans in Foreign Offices
Change: Credit Allowance ($000)
Beginning Balance
Gross Credit Losses
Memo: Loans HFS Write-down
Recoveries
Net Credit Losses
4,563
3,003
0
217
2,786
3,509
1,434
0
231
1,203
3,657
1,200
0
352
848
2,167
4,433
0
287
4,146
1,638
520
0
75
445
Provision: Loan & Lease Losses
Other Adjustments
LN&LS Allowance
1,345
0
3,122
2,258
0
4,563
700
0
3,509
5,636
0
3,657
974
0
2,167
154,309
174,621
197,601
202,698
166,282
Average Total Loans & Leases
FDIC Certificate # 33333
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 3333333
County: THREE
THREE BANK
Analysis of Credit Allowance and Loan Mix--Page 7A
THREE, AL
Allowance & Loan Mix-b
Loan Mix, % Average Gross LN&LS
Construction & Development
1-4 Family Construction
Other Const & Land Development
1-4 Family Residential
Home Equity Loans
Other Real Estate Loans
Farmland
Multifamily
Non-Farm Non-Residential
Owner Occupied Non-Farm Non-Residential
Other Non-Farm Non-Residential
Total Real Estate
BANK
9.76
1.75
8.02
30.19
13.89
41.37
1.49
2.11
37.77
22.70
15.07
81.33
12/31/2012
PG 4
7.25
1.68
5.23
27.56
3.14
42.50
3.17
2.63
34.67
18.66
15.32
79.85
PCT
69
57
73
61
98
48
49
50
60
68
52
51
BANK
9.65
1.29
8.35
26.02
12.24
43.77
1.63
2.40
39.74
24.63
15.11
79.44
12/31/2011
PG 4
7.97
1.78
5.82
27.11
3.21
41.60
3.01
2.43
34.30
18.76
14.91
79.18
PCT
64
45
72
49
96
59
53
57
65
73
55
47
BANK
13.26
1.94
11.32
23.64
10.55
42.61
1.48
2.08
39.04
23.16
15.88
79.50
12/31/2010
PG 4
9.48
2.34
6.82
26.90
3.29
39.56
2.79
2.26
32.79
18.16
14.02
78.59
PCT
73
51
78
43
92
61
52
53
67
71
59
48
BANK
21.43
4.63
16.80
21.66
10.05
34.40
0.87
0.64
32.90
17.50
15.39
77.49
12/31/2009
PG 2005
15.25
3.72
10.57
20.16
5.26
41.69
0.91
2.72
36.32
16.40
18.88
80.08
PCT
72
66
79
56
81
27
61
24
40
52
35
36
BANK
30.69
9.76
22.55
17.41
9.36
29.06
0.16
0.07
28.83
6.00
24.39
77.15
12/31/2008
PG 2005
20.02
5.70
13.28
17.26
4.73
37.28
0.81
2.21
32.53
13.76
18.14
77.95
PCT
79
73
81
56
81
29
51
14
37
17
75
40
Financial Institution Loans
Agricultural Loans
Commercial & Industrial Loans
Loans to Individuals
Credit Card Loans
Municipal Loans
Foreign Office Loans & Leases
All Other Loans
Lease Financing Receivables
0.00
0.00
13.92
4.10
0.00
0.00
0.00
0.65
0.00
0.00
1.60
12.34
3.18
0.03
0.29
0.00
0.17
0.05
94
37
62
68
80
56
99
86
82
0.00
0.00
16.32
3.45
0.00
0.00
0.00
0.79
0.00
0.04
1.52
12.72
3.53
0.04
0.31
0.01
0.18
0.04
95
37
68
58
79
56
99
88
83
0.00
0.00
16.92
3.00
0.00
0.00
0.00
0.57
0.00
0.00
1.40
13.01
3.86
0.04
0.32
0.01
0.17
0.04
94
39
70
51
78
55
99
86
83
0.00
0.00
19.53
2.72
0.00
0.00
0.00
0.27
0.00
0.00
0.14
16.36
1.81
0.00
0.00
0.00
0.26
0.00
91
72
70
70
91
91
99
74
93
0.00
0.00
20.20
2.65
0.00
0.00
0.00
0.00
0.00
0.00
0.22
18.09
1.87
0.00
0.00
0.00
0.27
0.09
93
71
65
73
90
93
99
28
95
0.00
0.00
0.00
0.07
99
77
0.00
0.13
0.00
0.09
99
82
0.00
0.04
0.00
0.08
99
79
0.00
3.83
0.00
0.75
99
88
0.00
19.86
0.00
0.96
99
97
Memorandum (% of Avg Tot Loans):
Loans & Lease Commitments
Officer, Shareholder Loans
Officer, Shareholder Loans to Assets
13.50
3.43
2.41
13.05
2.00
1.24
57
76
79
12.97
3.68
2.65
11.84
1.87
1.20
61
79
83
10.37
3.65
2.35
11.40
1.94
1.28
47
78
77
12.50
3.29
2.67
13.04
3.19
2.32
56
50
55
20.57
2.17
1.44
17.10
3.67
2.84
68
30
27
Other Real Estate Owned % Assets
Construction & Land Development
Farmland
1-4 Family
Multifamily
Non-Farm Non-Residential
Foreclosed GNMA
Foreign Offices
3.13
0.00
0.09
0.00
0.45
0.00
N/A
0.42
0.00
0.15
0.01
0.30
0.00
0.00
95
86
52
85
71
99
N/A
4.06
0.00
0.25
0.00
0.00
0.00
N/A
0.44
0.00
0.19
0.01
0.30
0.00
0.00
96
87
69
84
26
99
N/A
3.87
0.00
0.54
0.00
0.03
0.00
N/A
0.40
0.00
0.19
0.01
0.24
0.00
0.00
97
89
85
81
35
99
N/A
1.70
0.00
0.11
0.00
0.10
0.00
N/A
0.41
0.01
0.15
0.01
0.12
0.00
0.00
89
96
63
87
67
99
N/A
0.27
0.00
0.00
0.00
0.00
0.00
N/A
0.12
0.00
0.06
0.00
0.02
0.00
0.00
78
99
63
94
84
98
N/A
Subtotal
Direct and Indirect Inv
Total
3.66
0.00
3.66
1.07
0.00
1.07
90
99
90
4.32
0.00
4.32
1.14
0.00
1.15
92
98
92
4.44
0.00
4.44
1.05
0.01
1.05
94
98
94
1.92
0.00
1.92
0.86
0.01
0.87
80
97
80
0.27
0.00
0.27
0.30
0.00
0.31
62
97
62
Asset Servicing % Assets
Mortgage Servicing w/ Recourse
Mortgage Servicing w/o Recourse
Other Financial Assets
Total
0.00
0.00
0.00
0.00
0.00
1.72
0.06
3.54
93
84
92
75
0.00
0.00
0.00
0.00
0.01
1.30
0.06
2.88
93
84
92
76
0.00
0.00
0.00
0.00
0.01
1.04
0.05
2.62
93
85
92
76
0.00
0.00
0.00
0.00
0.00
0.10
0.45
0.54
99
95
87
85
0.00
0.00
0.00
0.00
0.01
0.92
0.51
0.73
98
97
89
88
Supplemental:
Loans to Foreign Governments
Loans to Finance Comml Real Est
FDIC Certificate # 33333
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 3333333
County: THREE
THREE BANK
Analysis of Concentrations of Credit--Page 7B
THREE, AL
Concentrations of Credit
Loan & Leases as a % of Total Capital
Construction & Development
1-4 Family Construction
Other Const & Land Development
1-4 Family Residential
Home Equity Loans
Other Real Estate Loans
Farmland
Multifamily
Non-Farm Non-Residential
Owner Occupied Non-Farm Non-Residential
Other Non-Farm Non-Residential
Total Real Estate
BANK
74.40
13.26
61.15
284.66
127.11
361.60
8.97
20.07
332.56
204.67
127.89
720.65
12/31/2012
PG 4
43.44
10.45
29.23
171.58
19.20
262.96
18.83
16.85
214.23
116.07
95.33
484.50
PCT
82
65
84
84
98
79
50
63
82
86
70
90
BANK
107.17
16.67
90.50
295.07
138.37
431.15
17.70
20.67
392.77
239.86
152.91
833.39
12/31/2011
PG 4
47.53
10.62
32.98
176.81
21.31
270.26
18.20
16.59
222.58
123.15
97.23
500.46
PCT
90
72
91
83
97
87
62
64
88
89
78
93
BANK
86.81
5.21
81.60
240.51
110.54
450.34
15.39
22.89
412.06
252.01
160.05
777.66
12/31/2010
PG 4
59.47
13.20
41.34
187.76
24.03
278.61
18.45
16.84
231.36
129.55
100.22
531.25
PCT
74
31
82
70
96
87
61
67
88
88
80
89
BANK
197.13
45.37
151.76
257.28
112.19
436.70
15.79
21.71
399.19
235.69
163.51
891.11
12/31/2009
PG 2005
102.11
20.74
75.45
162.03
41.06
338.30
7.33
23.29
296.00
126.97
151.71
627.68
PCT
84
80
82
80
93
73
75
58
75
82
51
86
BANK
242.27
59.32
182.95
155.82
81.24
263.83
3.41
0.50
259.92
58.94
200.98
661.92
12/31/2008
PG 2005
130.89
35.01
83.91
134.99
36.21
275.11
5.56
16.87
241.80
99.91
121.66
565.31
PCT
80
74
86
65
89
50
56
19
58
26
76
69
Financial Institution Loans
Agricultural Loans
Commercial & Industrial Loans
Loans to Individuals
Credit Card Loans
Municipal Loans
Foreign Office Loans & Leases
All Other Loans
Lease Financing Receivables
0.00
0.00
120.84
30.62
0.00
0.00
0.00
5.59
0.00
0.28
9.28
77.45
18.04
0.20
1.58
0.00
1.00
0.30
96
41
78
78
81
59
99
89
84
0.00
0.00
160.62
41.48
0.00
0.00
0.00
7.05
0.00
0.40
9.08
82.72
20.76
0.22
1.72
0.04
1.03
0.23
95
41
87
84
80
59
99
91
85
0.00
0.00
172.60
29.69
0.00
0.00
0.00
6.01
0.00
0.26
8.93
90.92
24.47
0.23
1.99
0.04
1.20
0.26
95
42
86
67
80
58
99
88
84
0.00
0.00
191.71
33.00
0.00
0.00
0.00
6.07
0.00
0.00
0.59
118.73
13.37
0.00
0.00
0.00
1.84
1.05
94
78
80
87
93
94
99
83
95
0.00
0.00
176.01
23.46
0.00
0.00
0.00
0.00
0.00
0.01
1.26
123.23
12.53
0.00
0.00
0.00
1.64
0.80
94
74
75
78
92
94
99
38
95
0.00
0.00
0.02
0.33
99
81
0.00
0.00
0.02
0.55
99
79
0.00
2.03
0.02
0.49
99
87
0.00
0.00
0.00
3.41
99
65
0.00
172.30
0.00
5.47
99
97
Commercial Real Estate Loans as a % of Total Capital:
Non-owner OCC Commercial Real Estate
222.36
Total Commercial Real Estate
427.03
164.59
284.19
74
83
280.75
520.62
170.63
296.15
86
89
271.78
523.80
185.58
317.69
80
86
382.34
618.03
299.46
446.77
73
79
616.05
674.98
302.10
419.84
95
90
Commercial Real Estate Loans as a % of Total LN&LS:
Construction & Development
8.48
Non-owner OCC Commercial Real Estate
25.33
Total Commercial Real Estate
48.65
7.13
26.87
46.50
64
46
53
10.28
26.93
49.94
7.40
26.65
46.51
71
52
54
8.80
27.57
53.13
8.64
27.03
46.58
54
54
63
17.57
34.08
55.09
12.96
38.61
57.43
68
40
43
28.13
71.52
78.36
17.68
41.93
58.79
81
94
89
Supplemental:
Loans to Foreign Governments
Loans to Finance Commercial Real Estate
FDIC Certificate # 33333
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 3333333
County: THREE
THREE BANK
Analysis of Past Due, Nonaccrual & Restructured--Page 8
THREE, AL
PD, Nonacc & Rest Loans-a
BANK
0.00
6.82
6.82
1.16
12/31/2012
PG 4
0.07
2.30
2.44
0.95
PCT
66
89
89
64
BANK
0.22
4.93
5.15
2.05
12/31/2011
PG 4
0.08
2.90
3.24
1.06
PCT
81
74
75
78
BANK
0.00
3.28
3.28
0.09
12/31/2010
PG 4
0.12
3.23
3.63
1.31
PCT
60
59
57
12
BANK
0.00
4.82
4.82
0.30
12/31/2009
PG 2005
0.07
3.70
3.88
1.39
PCT
78
67
65
35
BANK
0.04
2.34
2.38
2.52
12/31/2008
PG 2005
0.06
2.20
2.39
0.95
PCT
82
58
56
83
LNS Fin Coml RE-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
N/A
N/A
N/A
N/A
0.02
1.67
1.69
0.19
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.06
0.00
0.00
0.56
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
0.49
1.01
0.00
0.60
96
95
94
95
N/A
N/A
N/A
N/A
0.00
0.09
0.09
0.06
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
0.00
0.08
0.08
0.00
98
92
92
92
Const & Land Dev-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
27.15
27.15
0.00
0.00
4.72
4.88
0.50
93
92
92
67
0.00
24.67
24.67
2.20
0.00
6.82
7.05
0.60
93
87
87
85
0.00
12.95
12.95
0.54
0.01
8.39
8.60
0.88
90
71
70
68
0.00
20.76
20.76
0.00
0.02
11.18
11.30
1.44
91
73
73
66
0.11
6.41
6.52
6.89
0.00
5.53
5.64
0.71
94
60
60
94
0.00
0.00
0.00
0.00
0.07
1.25
1.33
0.15
97
82
80
88
0.00
0.00
0.00
0.00
0.28
3.47
3.70
0.22
98
72
71
86
0.00
17.77
17.77
0.00
0.19
4.89
5.03
0.40
95
85
84
84
0.00
52.51
52.51
0.00
0.14
8.89
9.04
0.49
96
91
91
85
0.45
26.16
26.61
28.13
0.15
5.90
6.05
0.67
96
87
87
97
0.00
33.04
33.04
0.00
0.19
5.25
5.44
0.42
95
93
93
72
0.00
29.22
29.22
2.61
0.00
7.08
7.29
0.56
93
88
88
87
0.00
12.64
12.64
0.58
0.00
9.18
9.39
0.75
92
67
67
73
0.00
11.27
11.27
0.00
0.00
10.85
10.94
1.16
94
65
65
73
0.00
0.00
0.00
0.00
0.00
4.72
4.96
0.44
94
53
51
76
Single & Multi Mtg-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
0.91
0.91
2.52
0.07
1.80
1.95
1.12
73
45
40
80
0.59
0.52
1.11
1.33
0.08
1.96
2.14
1.25
90
31
40
60
0.00
0.32
0.32
0.10
0.12
2.18
2.40
1.38
68
25
20
18
0.00
0.72
0.72
0.00
0.03
2.06
2.37
1.29
90
43
40
41
0.00
0.00
0.00
0.00
0.01
0.74
0.82
0.67
88
57
55
55
Non-Farm Non-Res Mtg-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
7.88
7.88
0.20
0.02
2.03
2.17
0.66
88
90
90
52
0.00
3.31
3.31
2.68
0.03
2.54
2.73
0.81
86
66
65
86
0.00
3.26
3.26
0.00
0.05
2.42
2.62
1.00
85
66
64
35
0.00
0.00
0.00
0.66
0.01
1.77
1.87
0.94
90
52
50
67
0.00
0.00
0.00
0.00
0.00
0.61
0.83
0.62
94
67
63
62
Own Occ Non-Farm Non-Res-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
9.63
9.63
0.33
0.01
1.78
1.89
0.63
91
93
92
63
0.00
5.42
5.42
4.38
0.01
2.13
2.28
0.73
91
82
81
92
0.00
4.30
4.30
0.00
0.03
2.20
2.36
0.96
89
75
73
47
0.00
0.00
0.00
0.00
0.00
1.39
1.47
0.71
94
68
68
71
0.00
0.00
0.00
0.00
0.22
0.54
0.69
0.39
96
79
77
80
Other Non-Farm Non-Res-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
5.07
5.07
0.00
0.00
1.89
2.05
0.41
94
80
79
70
0.00
0.00
0.00
0.00
0.00
2.54
2.73
0.55
92
47
44
66
0.00
1.63
1.63
0.00
0.01
2.21
2.40
0.72
92
63
61
62
0.00
0.00
0.00
1.61
0.00
1.75
1.88
0.95
94
62
61
77
0.00
0.00
0.00
0.00
0.16
0.45
0.60
0.43
97
76
74
73
% of Non-Current LN&LS by Loan Type
Real Estate LNS-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
1-4 Fam Cons & L Dev-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
Other Const & Land Dev-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
Non-Current LN&LS ($000)
90 Days and Over Past Due
Total Nonaccrual LN&LS
Total Non-Current LN&LS
LN&LS 30-89 Days Past Due
0
8,206
8,206
2,529
300
6,625
6,925
3,287
0
5,095
5,095
2,457
0
8,183
8,183
908
61
3,685
3,746
3,818
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Restructured LN&LS 90+ Days P/D
Restructured LN&LS Nonaccrual
Restructured LN&LS 30-89 Days P/D
0
5,938
0
0
4,459
0
0
2,074
0
0
0
0
0
0
0
Current 1-4 Family Restru LN&LS
Current Other Restructured LN&LS
Loans Secured 1-4 RE in Foreclosure
Other Real Estate Owned
0
0
0
7,088
300
4,911
0
9,292
0
4,415
0
14,312
0
0
0
7,196
0
0
0
1,765
Gtyd LN&LS 90+ Days P/D
Gtyd LN&LS on Nonaccrual
Gtyd LN&LS 30-89 Days P/D
FDIC Certificate # 33333
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 3333333
County: THREE
THREE BANK
Analysis of Past Due, Nonaccrual & Restructured--Page 8A
THREE, AL
PD, Nonacc & Rest Loans-b
% of Non-Current LN&LS by Loan Type
Coml & Indust LNS-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
BANK
0.00
0.15
0.15
0.16
12/31/2012
PG 4
0.02
1.25
1.39
0.59
PCT
86
43
41
44
BANK
0.00
0.13
0.13
2.13
12/31/2011
PG 4
0.04
1.41
1.58
0.74
PCT
82
39
35
82
BANK
0.00
0.63
0.63
5.84
12/31/2010
PG 4
0.06
1.77
1.97
0.92
PCT
79
49
45
94
BANK
0.00
0.14
0.14
1.12
12/31/2009
PG 2005
0.01
1.33
1.46
1.20
PCT
89
44
42
71
BANK
0.00
0.32
0.32
0.00
12/31/2008
PG 2005
0.01
0.48
0.62
0.99
PCT
89
67
64
49
Loans to Individuals-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
0.00
0.00
21.72
0.03
0.25
0.34
0.89
79
54
47
99
0.00
0.00
0.00
0.00
0.05
0.33
0.46
1.02
74
49
41
26
0.00
0.00
0.00
6.81
0.06
0.34
0.50
1.14
71
51
42
96
0.00
0.00
0.00
0.00
0.00
0.15
0.21
0.59
93
81
78
57
0.00
0.07
0.07
0.00
0.00
0.01
0.03
0.28
90
87
84
61
Credit Card Plans-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
N/A
N/A
N/A
N/A
0.13
0.15
0.17
0.58
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.18
0.18
0.23
0.68
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.24
0.06
0.28
1.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.18
0.00
0.18
0.42
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.14
0.00
0.14
0.26
N/A
N/A
N/A
N/A
Lease Financing-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
N/A
N/A
N/A
N/A
0.00
0.06
0.06
0.05
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.01
0.01
0.12
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.06
0.11
0.41
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.14
2.11
2.25
1.49
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.09
0.49
0.58
0.31
N/A
N/A
N/A
N/A
Agricultural LNS-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
N/A
N/A
N/A
N/A
0.01
0.03
0.03
0.03
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.12
0.13
0.06
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.02
0.15
0.25
0.09
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
Other LN&LS-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
0.00
0.00
0.00
0.13
0.03
0.04
0.09
95
89
85
75
0.00
0.00
0.00
0.00
0.10
0.04
0.07
0.10
95
88
85
76
0.00
0.00
0.00
0.00
0.00
0.07
0.10
0.10
94
87
83
76
0.00
0.00
0.00
0.00
0.04
1.08
0.00
0.01
97
96
94
90
N/A
N/A
N/A
N/A
0.00
0.39
0.39
0.04
N/A
N/A
N/A
N/A
Total LN&LS-90+ Days Past Due
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
5.62
5.62
1.73
0.07
2.23
2.37
0.98
52
88
87
77
0.18
3.96
4.14
1.96
0.09
2.77
2.93
1.10
77
70
71
79
0.00
2.70
2.70
1.30
0.12
3.09
3.30
1.36
45
56
54
56
0.00
3.85
3.85
0.43
0.11
3.37
3.77
1.47
70
62
61
36
0.03
1.87
1.90
1.94
0.08
1.90
2.08
1.06
76
58
56
77
262.84
53.55
7.36
10.00
4.07
4.07
0.00
0.00
N/A
0.00
0.00
120.01
15.16
3.46
3.98
0.63
1.98
1.18
0.29
1.93
0.46
0.00
88
92
87
87
94
80
24
62
N/A
85
94
151.76
47.55
6.10
9.18
2.66
5.78
3.11
0.00
0.00
0.00
0.00
140.82
20.27
4.15
4.79
0.57
1.91
1.13
0.33
0.02
0.52
0.06
58
85
74
82
89
87
85
61
94
84
92
145.20
31.73
4.00
9.56
1.10
3.44
2.34
0.00
N/A
0.00
0.00
156.37
25.89
4.80
5.17
0.42
1.57
0.97
0.41
0.00
0.56
0.06
52
72
50
81
79
78
80
58
N/A
82
92
223.76
50.24
4.28
7.00
0.00
0.00
0.00
0.00
N/A
0.00
0.00
168.14
32.90
5.54
5.68
0.22
0.90
0.59
0.35
2.56
0.14
0.02
69
70
54
64
75
45
56
73
N/A
91
94
172.87
17.63
3.84
2.77
0.00
0.00
0.00
0.00
0.00
0.00
0.00
120.98
16.31
3.24
2.86
0.00
0.09
0.06
0.07
1.80
0.02
0.02
69
61
65
57
93
80
83
87
95
93
93
Other Pertinent Ratios:
Non-Cur LN&LS to-LN&LS Allowance
-Equity Capital
% Total P/D LN&LS-Incl Nonaccrual
Non Curr LNS+OREO to LNS+OREO
Non-Curr Restruct Debt/Gr LN&LS
Curr+Non-Curr Restruct/GR LN&LS
Current Restruct LN&LS
Loans Sec 1-4 Fam RE in Forclosure as % Tota
Gtyd LN&LS 90+ P/D / LN&LS 90+ P/D
Gtyd Nonaccrual LN&LS / Nonaccrual LN&LS
Gtyd LN&LS 30-89 P/D / LN&LS 30-89 P/D
FDIC Certificate # 33333
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 3333333
County: THREE
THREE BANK
Interest Rate Risk Analysis as a Percent of Assets--Page 9
THREE, AL
Interest Rate Risk
Long Assets Insts w/Options
Mortgage Loans & Pass Thrus
Loans & Securities Over 15 Years
Loans & Securities 5-15 Years
BANK
30.11
14.64
6.28
12/31/2012
PG 4
18.89
3.16
4.44
PCT
83
93
70
BANK
21.28
8.32
7.38
12/31/2011
PG 4
18.51
2.78
4.62
PCT
62
86
75
BANK
21.37
5.73
11.23
12/31/2010
PG 4
17.76
2.57
3.67
PCT
66
80
90
BANK
16.03
8.32
1.18
12/31/2009
PG 2005
13.17
2.02
1.60
PCT
62
89
55
BANK
15.92
10.55
1.84
12/31/2008
PG 2005
12.66
2.36
1.57
PCT
64
91
61
Other Loans and Securities
Loans & Securities Over 15 Years
Loans & Securities 5-15 Years
Total Loans & Securities Over 15 Years
59.37
4.84
6.33
19.49
59.76
2.91
11.65
6.88
47
73
24
89
62.40
3.89
8.50
12.22
60.43
2.44
10.55
5.93
58
72
42
81
59.38
4.42
6.73
10.15
61.57
2.07
9.61
5.04
41
80
38
79
70.58
0.03
10.28
8.35
67.11
1.09
8.17
3.51
62
36
64
82
67.83
0.37
14.43
10.92
73.15
0.76
7.42
3.39
28
62
79
86
CMO'S Total
Avg Life Over 3 Years
0.00
0.00
1.69
0.55
42
59
1.44
1.44
1.82
0.62
62
80
1.34
1.34
1.68
0.71
63
76
0.00
0.00
0.57
0.13
67
80
0.00
0.00
0.46
0.08
75
83
Structured Notes
Mortgage Servicing (FV)
Total
1.44
0.00
1.44
0.44
0.01
0.49
84
87
84
0.43
0.00
0.43
0.80
0.01
0.83
64
88
62
0.34
0.00
0.34
0.84
0.00
0.87
60
90
58
0.39
0.00
0.39
0.49
0.03
0.53
63
95
62
0.00
0.00
0.00
0.02
0.01
0.03
89
96
87
23.16
0.00
10.88
18.26
0.52
9.23
65
71
67
16.60
0.00
13.11
16.48
0.70
8.77
52
68
81
19.15
0.00
8.14
14.92
0.77
8.86
65
67
50
6.78
0.00
13.23
8.62
0.11
10.31
45
85
71
13.52
0.00
18.28
7.87
0.18
13.72
76
85
73
0.00
0.00
0.01
0.10
78
78
0.00
0.00
0.01
0.15
76
76
0.00
0.00
0.00
0.04
80
80
0.00
0.00
0.00
0.00
90
90
0.00
0.00
0.00
0.01
88
88
Contractual Mat/Reprice Data
Loans/Securities Over 3 Year
Liabilities Over 3 Year
Net Over 3 Year Position
43.66
12.74
30.92
40.16
3.09
36.55
59
97
35
41.42
18.80
22.62
36.46
3.18
32.70
62
99
25
45.66
18.39
27.26
34.33
2.84
30.79
76
98
41
47.56
15.03
32.53
29.24
1.89
26.45
88
97
65
49.82
5.11
44.70
30.71
1.72
28.40
87
85
83
Loans/Securities Over 1 Year
Liabilities Over 1 Year
Net Over 1 Year Position
57.62
33.70
23.92
58.12
11.61
45.99
46
98
7
60.23
34.38
25.85
57.35
11.77
45.09
56
98
10
64.93
26.84
38.09
55.78
12.34
42.92
74
93
36
64.12
31.77
32.35
49.73
12.77
35.85
85
95
37
59.56
7.92
51.64
48.10
9.23
37.85
80
48
79
46.24
105.93
-2.59
54.60
149.87
-14.43
23
25
74
42.10
101.65
-0.68
51.07
158.93
-14.53
23
23
76
36.53
80.02
9.12
47.62
157.54
-13.12
19
12
87
44.19
92.93
3.36
34.21
137.12
-5.49
75
34
67
33.56
67.37
16.26
29.62
109.95
0.88
65
25
81
20.26
0.00
20.26
4.54
0.09
5.05
87
87
87
7.21
0.00
7.21
8.65
0.06
9.01
69
88
68
6.02
0.00
6.02
9.31
0.05
9.64
63
90
62
6.17
0.00
6.17
5.79
0.36
6.17
67
95
66
0.00
0.00
0.00
0.20
0.30
0.27
89
96
87
Overall Risk Indicators
Available for Sale
Held to Maturity
Off Balance Sheet
Unrealized Appreciation/Depreciation
Unrealized App/Dep % Tier One Cap
Non-Maturity Deposits
Non-Maturity Deps % Long Assets
Net Over 3 Year Position
As % Tier 1 Capital
Structured Notes
Mortgage Servicing (FV)
Total
FDIC Certificate # 33333
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 3333333
County: THREE
THREE BANK
Liquidity & Funding--Page 10
THREE, AL
Liquidity & Funding
Percent of Total Deposits
Individ, Partnerships, and Corp.
U.S. Govt, States & Political Sub in U.S.
Comml Banks & Other Dep Inst. in U.S.
Banks in Foreign Countries
Foreign Govts and Official Inst.
Total deposits
BANK
89.04
6.67
4.29
0.00
0.00
100.00
12/31/2012
PG 4
91.79
5.98
0.95
0.00
0.00
100.00
PCT
32
57
86
99
99
97
BANK
89.40
1.42
9.18
0.00
0.00
100.00
12/31/2011
PG 4
91.64
6.08
0.97
0.02
0.00
100.00
PCT
35
23
92
99
99
98
BANK
89.71
2.70
7.59
0.00
0.00
100.00
12/31/2010
PG 4
91.54
6.03
1.09
0.01
0.00
100.00
PCT
37
34
90
99
99
98
BANK
80.58
12.25
7.17
0.00
0.00
100.00
12/31/2009
PG 2005
91.03
2.55
4.19
0.00
0.00
100.00
PCT
17
95
77
99
98
99
BANK
88.71
8.67
2.63
0.00
0.00
100.00
12/31/2008
PG 2005
91.51
2.77
3.39
0.00
0.00
100.00
PCT
31
87
64
99
98
99
Domestic Demand Deposits
Domestic Other Transaction Accts
Domestic Nontransaction Accts
Total Domestic Deposits
Deposits in Foreign Offices
Total Deposits
13.34
15.70
70.96
100.00
0.00
100.00
17.84
12.63
68.40
100.00
0.00
100.00
29
65
59
99
99
99
10.14
13.79
76.07
100.00
0.00
100.00
16.24
11.90
71.02
99.97
0.03
100.00
21
62
65
99
99
99
15.01
9.88
75.11
100.00
0.00
100.00
14.37
11.23
73.61
99.97
0.03
100.00
57
47
57
99
99
99
6.25
22.07
71.68
100.00
0.00
100.00
9.94
5.95
82.82
100.00
0.00
100.00
27
96
15
99
99
99
5.47
20.53
73.99
100.00
0.00
100.00
10.18
5.21
83.90
100.00
0.00
100.00
21
94
16
99
99
99
Liquidity/Funding Ratios
Net Non Core Fund Dep $250M
Net Non Core Fund Dep $100M
Core Deposits
Short Term Non Core Funding
S.T Inv to S.T. Ncore Fund
S.T. Asset to S.T. Liabilities
Net S.T. Liabilities to Assets
Net Loans & Leases to Deposits
Net LN&LS to Core Deposits
Brkr Dep Mat < 1 Yr to Brkr Deps
Brokered Deposits to Deposits
Listing Service Dep to Deposits
List Service and Brkrd Dep to Deps
Sec Bor + sec FFP to Tot Bor + FFP
Recip Brkrd Dep to Tot Brkrd Dep
11.17
20.99
78.45
1.41
206.48
177.27
-9.32
79.75
87.66
19.45
7.63
4.29
11.92
0.00
0.00
-1.59
10.91
80.29
5.12
346.86
130.01
-3.56
72.08
77.49
50.57
1.35
0.88
2.69
0.44
13.60
83
73
35
14
53
76
34
67
70
17
91
86
89
90
55
9.15
19.61
78.01
3.46
203.45
187.54
-14.70
78.70
88.94
36.53
10.40
9.06
19.47
0.00
0.00
0.90
13.76
79.34
5.77
253.99
111.03
-0.37
73.93
80.25
52.61
1.74
0.85
3.07
0.09
11.30
73
64
37
34
59
86
15
62
69
21
92
92
93
91
57
11.44
21.29
74.27
13.34
72.04
86.60
4.09
70.73
85.49
53.49
15.81
N/A
N/A
0.00
0.00
3.25
16.67
78.29
14.75
68.82
100.86
1.87
76.71
84.47
54.59
2.30
0.00
0.00
2.40
11.66
72
62
27
46
61
45
56
32
54
30
94
N/A
N/A
83
54
37.73
37.73
58.12
9.92
6.40
132.17
-5.53
92.23
140.39
16.52
21.87
N/A
N/A
0.00
2.00
33.37
32.15
51.40
25.59
38.45
87.03
7.08
86.91
147.37
67.05
10.11
0.00
0.00
0.30
19.97
57
60
65
5
13
84
26
68
49
7
81
N/A
N/A
90
54
57.36
55.16
40.08
32.88
9.39
65.80
13.39
92.79
176.60
100.00
22.27
N/A
N/A
72.09
N/A
41.44
38.88
45.56
30.88
18.77
77.11
11.91
97.11
181.91
78.80
15.27
0.00
0.00
2.32
0.00
80
86
31
64
39
44
50
36
59
99
68
N/A
N/A
95
N/A
Total Deposits
Individ, Partnerships, and Corp.
U.S. Govt, States & Political Sub in U.S.
Comml Banks & Other Dep Inst. in U.S.
Banks in Foreign Countries
Foreign Govts and Official Inst.
Total Deposits
159,433
11,940
7,682
0
0
179,055
184,892
2,930
18,993
0
0
206,815
234,825
7,071
19,863
0
0
261,759
182,416
27,726
16,238
0
0
226,380
186,349
18,205
5,519
0
0
210,073
Domestic Demand Deposits
Domestic Other Transaction Accts
Domestic Nontransaction Accts
Total Domestic Deposits
Deposits in Foreign Offices
Total Deposits
23,881
28,113
127,061
179,055
0
179,055
20,968
28,528
157,319
206,815
0
206,815
39,282
25,866
196,611
261,759
0
261,759
14,159
49,955
162,266
226,380
0
226,380
11,501
43,135
155,437
210,073
0
210,073
Other Liquidity/Funding Data
Non Core Liabilities $250M
Non Core Liabilities $100M
Short Term Non Core Funding
Core Deposits
Time Deps $250M & Under Mat < 1 Yr
Time Deps $250M & Under Mat > 1 Yr
Time Deps over $250M Mat < 1 Yr
Time Deps over $250M Mat > 1 Yr
Fed Home Loan Bor Mat < 1 Yr
Fed Home Loan Bor Mat > 1 Yr
Other Borrowing Mat < 1 Year
Other Borrowing Mat > 1 Year
Secured Other Borrowings
Federal Funds Purchased
Secured Fed Funds Purchased
Listing Service Deposits
Brokered Deposits
Reciprocal Brokered Deposits
28,142
47,588
2,918
162,914
24,789
55,753
262
2,223
0
12,000
0
0
0
0
0
7,682
13,657
0
35,817
57,887
8,119
182,998
39,141
66,607
260
2,041
0
12,000
0
0
0
0
0
18,743
21,516
0
57,212
82,364
38,893
216,548
N/A
N/A
N/A
N/A
0
12,000
0
0
0
0
0
N/A
41,374
0
89,655
89,655
25,377
148,725
N/A
N/A
N/A
N/A
0
12,000
0
0
0
0
0
N/A
49,511
991
142,695
137,557
90,573
110,378
N/A
N/A
N/A
N/A
0
12,000
0
31,000
31,000
0
0
N/A
46,793
N/A
FDIC Certificate # 33333
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 3333333
County: THREE
THREE BANK
Liquidity & Investment Portfolio--Page 10A
THREE, AL
Liquidity & Inv Portfolio
BANK
2.90
0.00
69.41
27.66
12/31/2012
PG 4
9.46
0.00
62.02
22.11
PCT
16
89
68
65
BANK
7.04
0.00
71.48
25.05
12/31/2011
PG 4
8.69
0.00
63.48
22.30
PCT
45
90
71
60
BANK
9.61
0.00
63.87
25.98
12/31/2010
PG 4
8.36
0.00
65.77
22.31
PCT
63
88
41
61
BANK
0.63
0.00
83.39
43.59
12/31/2009
PG 2005
9.04
0.00
73.72
17.14
PCT
7
93
89
86
BANK
3.09
0.00
72.54
N/A
12/31/2008
PG 2005
5.40
0.00
78.76
0.00
PCT
39
94
21
N/A
Securities Mix
% Total Securities
US Treas & Govt Agencies
Municipal Securities
Pass-Through Mtg Backed Secs
CMO & REMIC Mtg Backed Secs
Commercial Mtg Back Secs
Asset Backed Securities
Structured Financial Products
Other Domestic Debt Secs
Foreign Debt Securities
Inv Mut Fnd & Oth Mktbl
Total
4.13
15.93
77.86
0.00
0.00
0.00
0.00
2.08
0.00
0.00
100.00
25.72
23.77
23.58
8.54
0.02
0.44
0.18
1.02
0.18
0.02
100.00
26
40
93
41
91
95
96
81
96
89
99
4.04
18.85
65.88
8.66
0.00
0.00
0.00
2.57
0.00
0.00
100.00
29.19
21.63
22.95
9.34
0.00
0.22
0.08
0.95
0.08
0.01
100.00
23
48
90
61
94
96
96
84
98
90
99
11.30
11.64
68.24
7.02
0.00
0.00
0.00
1.79
0.00
0.00
100.00
32.60
21.12
20.29
8.93
0.00
0.06
0.07
0.82
0.07
0.02
100.00
29
38
92
62
94
97
96
81
98
88
99
5.59
0.00
88.65
0.00
0.00
0.00
0.00
5.77
0.00
0.00
100.00
36.28
3.79
26.75
5.68
0.00
0.00
0.11
0.21
0.00
0.00
100.00
22
70
87
63
99
99
97
93
99
92
99
23.03
0.00
74.29
0.00
N/A
0.00
N/A
2.69
0.00
0.00
100.00
34.93
1.10
30.90
4.15
0.00
0.02
0.00
0.27
0.00
0.00
100.00
32
82
83
71
N/A
98
N/A
90
99
93
99
Liquidity/Securities Ratios:
App (Dep) Hi Risk & Struc/T1 Cap
App (Dep) in AFS sec to AFS Sec
App (Dep) in HTM Sec to HTM Sec
App (Dep) in HTM Sec to Eqy Cap
Pledged Securities to Tot Sec
Pledged Loans to Total Loans
Loans Held for Sale to Total Loans
-0.02
1.82
N/A
0.00
45.86
24.24
7.39
0.01
1.92
2.11
0.09
33.99
21.27
0.35
6
50
N/A
78
67
59
96
0.00
2.76
N/A
0.00
17.09
31.13
3.45
0.02
1.89
2.11
0.14
35.93
20.81
0.24
67
71
N/A
76
26
66
94
0.00
-1.48
N/A
0.00
11.89
36.64
2.59
-0.09
0.44
0.85
0.04
39.67
20.15
0.25
83
13
N/A
80
16
72
93
0.00
0.81
N/A
0.00
42.26
49.05
1.73
-0.06
0.45
0.68
0.00
39.07
16.91
0.10
90
65
N/A
90
47
86
95
0.00
2.23
N/A
0.00
76.67
N/A
1.84
0.00
1.53
0.86
0.01
41.72
0.00
0.05
90
67
N/A
88
71
N/A
94
Percent of Total Assets
Short Term Investments
Marketable Equity Sec (MES)
Net LN&LS & SBLC to Assets
Pledged Assets
Short Term Investments
Short Term Assets
Debt Securities 90+ Days P/D
Total Non-Current Debt Sec
Fair Value Structured Notes
Pledged Securities
Pledged Loans & Leases
Loans Held for Sale
6,025
44,407
0
0
2,987
22,061
35,379
10,787
16,518
73,892
0
0
1,000
6,656
52,096
5,773
28,020
77,081
0
0
1,000
6,637
69,124
4,891
1,624
58,158
0
0
1,000
7,328
104,214
3,674
8,509
70,948
0
0
0
28,555
N/A
3,623
FDIC Certificate # 33333
OCC Charter # 0
Public Report
Capital Ratios
Percent of Bank Equity:
Net Loans & Leases (x)
Subord Notes & Debentures
Long Term Debt
Com RE & Related Ventures
Percent of Average Bank Equity:
Net Income
Dividends
Retained Earnings
Other Capital Ratios:
Dividends to Net Operating Income
Bank Eq Cap + Min Int to Assets
Growth Rates:
Total Equity Capital
Equity Growth Less Asst Growth
Intang Assets % Bank Equity
Mortgage Servicing Rights
Goodwill
Purch Credit Card Relations
All Other Intangibles
Total Intangibles
Risk-Based Capital
Tier One RBC to Risk-Wgt Assets
Total RBC to Risk-Weight Assets
Tier One Leverage Capital
Other Capital Ratio:
Def Tax Asset to T1 Cap
End of Period Capital ($000)
Perpetual Preferred
+ Common Stock
+ Surplus
+ Undivided Profits
+ Accum Other Comp Income
+ Other Equity Capital Comp
Total Bank Equity Capital
Minority Interest Cons Subs
Total Bank Capital & Min Int
Subordinated Notes & Debentures
Changes in Bank Equity ($000)
Balance at Beginning of Period
+ Net Income
+ Sales or Purchase of Capital
+ Merger & Absorptions
+ Restate due to Acctg Error&Chg
+ Trans with Parent
- Dividends
+ Other Comprehensive Income
Balance at End of Period
Intangible Assets
Mortgage Servicing Rights
+ Purch Credit Card Relations.
+ Other Intangibles
+ Goodwill
Total Intangibles
FRB District/ID_RSSD 6 / 3333333
County: THREE
THREE BANK
Capital Analysis--Page 11
THREE, AL
Capital Analysis-a
BANK
12/31/2012
PG 4
PCT
BANK
12/31/2011
PG 4
PCT
BANK
12/31/2010
PG 4
PCT
BANK
12/31/2009
PG 2005
PCT
BANK
12/31/2008
PG 2005
PCT
9.32
0.00
0.00
487.83
6.20
0.32
0.32
282.50
91
98
98
88
11.18
0.00
0.00
614.71
6.46
0.21
0.21
298.28
94
98
98
92
11.53
0.00
0.00
685.95
7.08
0.22
0.22
330.82
92
98
98
92
12.82
0.00
0.00
737.48
8.36
0.67
0.67
478.07
90
97
97
82
9.17
0.00
0.00
734.56
7.56
0.22
0.22
429.44
73
98
98
91
5.62
0.00
5.62
5.97
2.32
2.96
46
43
69
-18.49
0.00
-18.49
3.08
1.82
0.75
8
47
8
1.85
0.00
1.85
0.21
1.77
-2.11
37
47
45
-23.27
0.00
-23.27
-16.93
0.08
-17.34
32
84
32
2.33
0.00
2.33
-8.65
0.02
-8.88
80
93
82
0.00
7.38
30.59
10.28
35
8
N/A
6.21
28.55
10.14
N/A
6
0.00
5.51
30.98
9.62
29
6
N/A
6.37
10.12
9.30
N/A
15
0.00
7.72
2.65
10.94
91
11
5.20
16.68
4.33
0.99
55
94
-9.30
10.25
6.21
3.62
10
77
-1.41
-15.35
0.98
-0.95
27
12
-23.35
-16.26
-3.65
-16.25
25
50
15.18
-71.42
0.91
-26.93
84
8
0.00
0.00
0.00
0.00
0.00
0.07
0.56
0.08
0.08
1.17
87
80
96
83
63
0.00
0.00
0.00
0.00
0.00
0.05
0.64
0.06
0.08
1.21
88
78
96
82
62
0.00
0.00
0.00
0.00
0.00
0.04
0.80
0.03
0.10
1.35
90
79
97
82
63
0.00
0.00
0.00
0.00
0.00
0.27
0.14
0.00
0.01
0.51
95
90
94
92
79
0.00
0.00
0.00
0.00
0.00
0.27
0.23
0.14
0.00
0.48
96
89
95
93
80
9.95
11.21
7.16
14.86
16.06
9.80
8
8
9
8.09
9.36
6.01
14.41
15.62
9.57
6
6
6
8.28
9.53
6.11
13.39
14.59
9.16
8
7
8
7.44
8.70
6.43
11.61
12.89
9.03
11
11
17
10.17
11.24
9.39
12.68
13.86
10.78
28
26
37
0.00
0.96
60
0.00
1.02
59
2.03
1.53
66
0.00
0.96
66
0.00
0.85
67
0
2,101
19,922
-7,266
566
0
15,323
0
15,323
0
2,101
19,890
-8,115
689
0
14,565
0
14,565
0
2,101
19,831
-5,320
-554
0
16,058
0
16,058
0
2,101
19,729
-5,634
92
0
16,288
0
16,288
0
2,097
19,583
-966
536
0
21,250
0
21,250
0
0
0
0
0
14,566
848
31
0
0
0
0
-123
15,322
16,059
-2,818
81
0
0
0
0
1,243
14,565
16,288
315
102
0
0
0
0
-646
16,059
21,250
-4,667
149
0
0
0
0
-444
16,288
18,449
446
1,923
0
0
0
0
432
21,250
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
FDIC Certificate # 33333
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 3333333
County: THREE
12/31/2012
Risk Based Capital ($000)
Tier One Capital
Total Equity Capital Adjusted
- Ineligible Def Tax Assets
- Ineligible Intangibles
- Cumul Change F.V. Financial Liab
Net Tier One
THREE BANK
Capital Analysis--Page 11A
12/31/2011
THREE, AL
12/31/2010
Capital Analysis-b
12/31/2009
12/31/2008
14,757
0
0
0
14,757
13,876
0
0
0
13,876
16,612
0
0
0
16,612
16,196
0
0
0
16,196
20,714
0
0
0
20,714
0
0
1,869
0
0
1,869
0
0
2,174
0
0
2,174
0
0
2,521
0
0
2,521
0
0
2,741
0
0
2,741
0
0
2,167
0
0
2,167
Total RBC Before Deductions
Tier One & Tier Two
Tier Three & Fin Sub Adj
- Deductions for Total RBC
Total Risk-Based-Capital
16,626
0
0
16,626
16,050
0
0
16,050
19,133
0
0
19,133
18,937
0
0
18,937
22,881
0
0
22,881
Risk-Weighted Assets
On-Balance Sheet
Category Two - 20%
Category Three - 50%
Category Four - 100%
Total On-Balance Sheet
Memo: Category One - 0%
1,309
15,956
127,449
144,714
44,016
1,679
15,732
151,811
169,223
46,416
4,017
16,131
178,337
198,485
65,218
1,064
14,968
194,498
210,530
29,659
4,724
8,189
186,643
199,557
50,132
Off-Balance Sheet
Category Two - 20%
Category Three - 50%
Category Four - 100%
Total Off-Balance Sheet
Memo: Category One - 0%
0
763
4,039
4,802
0
0
1,975
2,742
4,717
0
0
1,607
1,567
3,174
0
0
1,655
6,379
8,034
0
0
1,428
2,598
4,026
0
149,517
1,253
0
0
148,264
173,940
2,388
0
0
171,553
201,660
988
0
0
200,672
218,564
916
0
0
217,649
203,583
0
0
0
203,584
Tier Two Capital
+ Qualif Debt and Redeem Pfd
+ Cumulative Preferred Stock
+ Allowable LN&LS Loss Allow
+ Unrl Gain Mktbl Eqy Sec (45%)
+ Other Tier 2 Capital Comp
Net Eligible Tier Two
Adjustments to Risk-Wgt Assets
Risk-Weighted Asset Before Ded
- Excess Allowable LN&LS Loss Al
- Allocated Transfer Risk Reserve
+ Mkt Risk Asset & Fin Sub Adj
Total Risk-Weighted Assets
FDIC Certificate # 33333
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 3333333
County: THREE
THREE BANK
One Quarter Annualized Income Analysis--Page 12
THREE, AL
Income Statement 1-Qtr-Ann
BANK
12/31/2012
PG 4
PCT
BANK
9/30/2012
PG 4
PCT
BANK
6/30/2012
PG 4
PCT
BANK
3/31/2012
PG 4
PCT
BANK
12/31/2011
PG 4
PCT
4.00
1.29
2.72
1.96
4.40
0.96
-0.68
0.74
0.06
0.06
-1.81
0.00
0.06
0.06
4.15
0.57
3.58
0.72
3.40
0.27
0.69
0.05
0.79
0.60
0.52
0.00
0.52
0.60
40
99
5
91
85
89
12
95
20
20
6
99
20
20
4.16
1.24
2.92
1.97
3.77
0.54
0.58
0.00
0.58
0.58
0.92
0.00
0.58
0.58
4.24
0.61
3.62
0.71
3.32
0.23
0.83
0.05
0.91
0.69
0.65
0.00
0.60
0.69
45
98
10
93
72
83
34
62
32
40
60
99
42
40
4.25
1.33
2.93
1.00
3.43
0.45
0.05
0.03
0.08
0.08
-0.46
0.00
0.08
0.08
4.28
0.65
3.63
0.66
3.28
0.27
0.78
0.06
0.88
0.67
0.66
0.00
0.59
0.67
48
98
10
78
59
77
18
67
15
15
12
99
15
15
4.23
1.39
2.85
0.89
3.18
0.53
0.03
0.78
0.81
0.81
0.15
0.00
0.81
0.81
4.34
0.70
3.63
0.67
3.28
0.27
0.78
0.04
0.85
0.64
0.64
0.00
0.56
0.64
42
98
7
71
48
80
18
97
46
61
24
99
64
61
4.50
1.49
3.01
0.71
2.59
1.68
-0.56
0.00
-0.56
-0.56
1.11
0.00
-0.56
-0.56
4.45
0.77
3.67
0.66
3.40
0.56
0.38
0.04
0.44
0.26
0.20
0.00
0.22
0.26
53
97
11
57
18
87
19
66
19
18
77
99
18
18
Margin Analysis:
Int Inc (TE) to Avg Earn Assets
Int Expense to Avg Earn Assets
Net Int Inc-TE to Avg Earn Assets
4.14
1.33
2.81
4.51
0.61
3.89
28
98
4
4.32
1.29
3.03
4.60
0.66
3.93
33
97
7
4.42
1.38
3.04
4.65
0.70
3.94
36
97
6
4.43
1.45
2.98
4.72
0.76
3.94
30
98
4
4.70
1.56
3.14
4.83
0.84
3.99
42
97
9
Loan & Lease Analysis:
Net Loss to Average Total LN&LS
Earnings Coverage of Net Loss (X)
LN&LS Allowance to Net Losses (X)
3.99
0.10
0.54
0.53
4.13
3.05
96
30
22
0.29
5.64
9.28
0.42
-0.53
0.99
55
64
74
1.40
0.51
1.78
0.46
4.50
4.86
86
34
36
1.66
0.47
1.56
0.46
6.48
4.83
87
34
34
0.03
54.25
95.06
1.02
4.98
5.09
16
93
97
Capitalization
Cash Dividends to Net Income
Retain Earns to Avg Total Equity
0.00
0.77
33.97
0.43
55
40
0.00
8.30
13.62
4.42
63
75
0.00
1.13
19.74
3.46
60
28
0.00
12.41
12.98
3.99
66
91
0.00
-8.71
24.96
-1.77
62
21
Yield on or Cost of:
Total Loan & Leases (TE)
Loans in Domestic Offices
Real Estate
Secured by 1-4 Fam Resi Prop
All Other Loans Sec Real Estate
Commercial & Industrial
Individual
Credit Card
Agricultural
Loans in Foreign Offices
Total Investment Securities (TE)
Total Investment Securities (Book)
US Treas & Agency (Excl MBS)
Mortgage Backed Securities
All Other Securities
Interest-Bearing Bank Balances
Federal Funds Sold & Resales
5.14
5.14
5.29
4.77
5.63
6.32
6.27
N/A
N/A
N/A
1.51
1.51
1.01
0.69
5.69
0.13
0.00
5.75
5.73
5.69
5.61
5.74
6.02
7.55
10.33
5.20
0.00
2.35
2.08
1.49
1.80
3.11
0.35
0.20
15
15
28
22
47
67
28
N/A
N/A
N/A
18
21
25
11
95
23
31
5.38
5.38
5.37
5.48
5.30
6.58
7.84
N/A
N/A
N/A
2.07
2.07
1.42
1.27
6.00
0.16
0.00
5.81
5.80
5.76
5.71
5.81
6.08
7.46
10.62
5.18
0.00
2.46
2.20
1.63
2.06
3.17
0.33
0.22
23
24
26
45
24
73
61
N/A
N/A
N/A
36
43
42
17
97
27
26
5.44
5.44
5.45
5.19
5.60
6.32
6.39
N/A
N/A
N/A
2.61
2.61
1.62
1.70
5.90
0.16
0.00
5.84
5.82
5.76
5.73
5.80
6.09
7.57
10.24
5.21
0.00
2.59
2.34
1.72
2.30
3.30
0.34
0.21
25
26
31
30
39
62
30
N/A
N/A
N/A
52
64
47
22
96
26
27
5.27
5.27
5.33
5.15
5.43
6.05
5.64
N/A
N/A
N/A
2.52
2.52
3.34
1.58
5.79
0.17
0.00
5.88
5.86
5.82
5.75
5.85
6.13
7.64
9.90
5.21
0.00
2.76
2.49
1.87
2.49
3.39
0.35
0.20
14
15
20
26
27
51
16
N/A
N/A
N/A
42
53
95
15
95
27
28
5.58
5.58
5.83
6.10
5.68
5.50
5.45
N/A
N/A
N/A
2.40
2.40
3.32
1.51
5.69
0.18
0.00
5.98
5.97
5.92
5.84
5.94
6.29
7.93
9.61
5.77
0.00
2.82
2.58
1.96
2.62
3.50
0.35
0.23
25
26
45
63
35
26
13
N/A
N/A
N/A
34
40
91
11
96
30
31
Total Interest Bearing Deposits
Transaction accounts
Other Savings Deposits
Time Deps Over $100M
All Other Time Deposits
Foreign Office Deposits
1.51
0.13
0.41
2.08
2.48
N/A
0.70
0.24
0.33
1.13
1.11
0.00
99
32
70
95
98
N/A
1.42
0.11
0.41
2.04
2.35
N/A
0.75
0.26
0.35
1.20
1.18
0.00
97
23
64
94
97
N/A
1.49
0.11
0.66
1.99
2.29
N/A
0.79
0.27
0.38
1.25
1.23
0.33
97
23
88
92
97
N/A
1.57
0.12
0.74
2.05
2.35
N/A
0.86
0.30
0.42
1.33
1.32
0.38
98
25
88
92
96
N/A
1.73
0.15
0.74
2.42
2.50
N/A
0.95
0.32
0.46
1.42
1.43
0.39
97
30
83
95
96
N/A
Federal Funds Purchased & Repos
Other Borrowed Money
Subord Notes & Debentures
All Interest-Bearing Funds
1.47
3.30
N/A
1.64
0.32
2.47
5.45
0.77
92
61
N/A
99
N/A
3.10
N/A
1.53
0.37
2.51
5.59
0.82
N/A
55
N/A
98
N/A
3.27
N/A
1.61
0.31
2.80
5.01
0.86
N/A
56
N/A
98
N/A
3.27
N/A
1.67
0.30
2.67
4.58
0.93
N/A
55
N/A
97
0.00
3.07
N/A
1.82
0.40
2.65
5.94
1.02
37
50
N/A
97
Earnings and Profitability
Percent of Average Assets:
Interest Income (TE)
- Interest Expense
Net Interest Income (TE)
+ Noninterest Income
- Noninterest Expense
- Provision: Loan & Lease Losses
Pretax Operating Income (TE)
+ Realized Gains/Losses Sec
Pretax Net Operating Income (TE)
Net Operating Income
Adjusted Net Operating Income
Net Inc Attrib Min Ints
Net Income Adjusted Sub S
Net Income
FDIC Certificate # 33333
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 3333333
County: THREE
THREE BANK
Securitization & Asset Sale Activities--Page 13
THREE, AL
Securitization & Asset Sale-a
Percent Change
1 Quarter
1 Year
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
N/A
N/A
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
0.00
N/A
N/A
Asset Backed Comml Paper Conduits
CR Exp Spons by Bank & Other
Liquid Comm by Bank & Other
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
Activity % Total Assets
Securitization Activities
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Asset Backed Comml Paper Conduits
Cr Exp Spons by Bank & Other
Liquid Comm by Bank & Other
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
17.95
14.48
0.00
2.56
13.77
51.24
15.03
13.27
0.00
3.08
15.41
53.21
13.18
11.21
0.00
2.56
17.51
55.54
12.93
10.00
0.00
2.36
17.09
57.62
8.66
9.43
0.00
0.77
20.43
60.71
Securitization Activities
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
12/31/2012
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12/31/2011
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12/31/2010
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12/31/2009
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12/31/2008
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Retained Interest-Only Strips
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Retained Credit Enhancements
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Unused Liquidity Commitments
0.00
0.00
Sellers Interest in Secs & Loans
Home Equity Lines
Credit Card Receivables
Commercial & Industrial Loans
0.00
0.00
0.00
0.00
Total Retained Credit Exposure
Percent of Tot Managed Assets on
Balance Sheet & Sec Assets
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
FDIC Certificate # 33333
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 3333333
County: THREE
THREE BANK
Securitization & Asset Sale Activities--Page 13A
12/31/2012
THREE, AL
12/31/2010
Securitization & Asset Sale-b
12/31/2009
12/31/2008
% Tot Securitization Act by Type
Retained Int Only Strips
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Retained Credit Enhancement
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Unused Comm to Provide Liquidity
Sellers Int in Secs & LNS % Trust
Home Equity Lines
Credit Card Receivables
Commercial & Industrial Loans
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Percent of Tier 1 Capital
Total Retained Credit Exposure
Retained Interest-Only Strips
Retained Credit Enhancements
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
30-89 Day PD Securitized Assets
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Total 30-89 Day PD Secur Assets
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
90+ Days PD Securitized Assets
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Total 90+ Days PD Secur Assets
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Total Past Due Securitized Assets
0.00
0.00
0.00
0.00
0.00
Net Losses Securitized Assets
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Total Net Charge Off Secur Asset
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
FDIC Certificate # 33333
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 3333333
County: THREE
12/31/2012
THREE BANK
Securitization & Asset Sale Activities--Page 13B
12/31/2011
THREE, AL
12/31/2010
Securitization & Asset Sale-c
12/31/2009
12/31/2008
30-89 Day PD Securitized Assets %
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Total 30-89 Days PD Secur Asset
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
90+ Day PD Securitized Assets %
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Total 90+ Day PD Secur Asset
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total PD Securitized Asets %
N/A
N/A
N/A
N/A
N/A
Net Losses on Securitized Assets%
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Net Losses on Securitized Assets
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
30-89 DAY PD managed assets %
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Commercial & Industrial Loans
All Other Loans and Leases
Total 30-89 Day PD Manage Asset
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
90+ DAY PD MANAGED ASSETS %
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Commercial & Industrial Loans
All Other Loans and Leases
Total 90+ Day PD Manage Asset
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Past Due Managed Assets %
N/A
N/A
N/A
N/A
N/A
Net Losses on Managed Assets %
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Commercial & Industrial Loans
All Other Loans and Leases
Net Losses on Managed Assets
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
FDIC Certificate # 33333
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 3333333
County: THREE
12/31/2012
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%MGD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%MGD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%FID IN
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Fiduciary and Related Assets
Personal Trust and Agency
Employee Benefit DC
Employee Benefit DB
Other EB & Retirement-Related
Corporate Trust and Agency
Inv Mgmt & Inv Advisory Agency
Foundation & Endowment Trust & Agency
Other Fiduciary
Total Fiduciary Assets
Custody and Safekeeping
Memo: Accts in Foreign Offices
Memo: IRA, HSA & Other
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Fiduciary and Related Accounts
Personal Trust and Agency
Employee Benefit DC
Employee Benefit DB
Other EB & Retirement-Related
Corporate Trust and Agency
Inv Mgmt & Inv Advisory Agency
Foundation & Endowment Trust & Agency
Other Fiduciary
Total Number of Accounts
Custody and Safekeeping
Memo: Accts in Foreign Offices
Memo: IRA, HSA & Other
Fiduciary and Related Services Income
Personal Trust and Agency
Employee Benefit DC
Employee Benefit DB
Other EB & Retirement-Related
Corporate Trust and Agency
Inv Mgmt & Inv Advisory Agency
Foundation & Endowment Trust & Agency
Other Fiduciary
Custody and Safekeeping
Other Related Services
Gross Fiduciary and Related Income
Less: Expenses
Less:Net Losses
Plus: Intra-company Credits
Net Fiduciary and Related Income
Memo: Fiduciary Income - Foreign
Gross Fiduciary Income % Nonint Inc
Fiduciary Income % Fiduciary Assets
Personal Trust and Agency
Employee Benefit DC
Employee Benefit DB
Other EB & Retirement-Related
Corporate Trust and Agency
Inv Mgmt & Inv Advisory Agency
Other Fiduciary
Total Fiduciary Assets
Custody and Safekeeping
Memo: Fiduciary Income Foreign
Collective/Common Trust Fund Assets
Domestic Equity
International/Global Equity
Stock/Bond Blend
Taxable Bond
Municipal Bond
Short Term/Money Market
Specialty/Other
Total Trust Funds
Collective/Common Trust Fund Accounts
Domestic Equity
International/Global Equity
Stock/Bond Blend
Taxable Bond
Municipal Bond
Short Term/Money Market
Specialty/Other
Total Trust Funds
THREE BANK
Fiduciary & Related Services--Page 14
9/30/2012
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%MGD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%MGD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%FID IN
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
THREE, AL
12/31/2011
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
12/31/2012
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%MGD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%MGD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%FID IN
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Bank
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
PCT
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Bank
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
PCT
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Fiduciary Services-a
Bank
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
PCT
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
%Change
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
%Change
FDIC Certificate # 33333
OCC Charter # 0
Public Report
FRB District/ID_RSSD 6 / 3333333
County: THREE
Gross Fiduciary Losses - Managed
Personal Trust and Agency
EB & Retirement Related Trust & Agency
Inv Mgmt & Inv Advisory Agency
Other Fiduciary
Total Gross Managed Losses
'($000)'
N/A
N/A
N/A
N/A
N/A
Gross Fiduciary Losses - Non Managed
Personal Trust and Agency
EB & Retirement Related Trust & Agency
Inv Mgmt & Inv Advisory Agency
Other Fiduciary
Total Gross Non Managed Losses
N/A
N/A
N/A
N/A
N/A
Net Fiduciary Losses - ALL
Personal Trust and Agency
EB & Retirement Related Trust & Agency
Inv Mgmt & Inv Advisory Agency
Other Fiduciary
Total Net Losses
Corporate Trust and Agency
Corporate and Muni Trusteeships
Issues in Default
All Other Corporate
Managed Assets in Fiduciary Accts
Noninterest-Bearing Deposits
Interest-Bearing Deposits
U.S. Treasury & Agency
State, County & Municipal
Money Market Mutual Funds
Equity Mutual Funds
Other Mutual Funds
Common & Collective Funds
Other Short-Term Obligations
Other Notes and Bonds
Unregistered Funds & Private Equity
Other Common & Preferred Stocks
Real Estate Mortgages
Real Estate
Miscellaneous Assets
Total Managed Assets
Memo: Fiduciary Assets in Advised or Sponsored Mutual Funds
Peer Group Descriptions for Fiduciary & Related Services:
Memo: Fiduciary Income Foreign
Collective/Common Trust Fund Assets
Domestic Equity
International/Global Equity
Stock/Bond Blend
Taxable Bond
Municipal Bond
Short Term/Money Market
Specialty/Other
Total Trust Funds
Collective/Common Trust Fund Accounts
Domestic Equity
International/Global Equity
Stock/Bond Blend
Taxable Bond
Municipal Bond
Short Term/Money Market
Specialty/Other
Total Trust Funds
12/31/2012
%Rev
N/A
N/A
N/A
N/A
N/A
THREE BANK
Fiduciary & Related Services--Page 14A
N/A
N/A
N/A
N/A
N/A
PCT
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
#ISS
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
9/30/2012
%Rev
N/A
N/A
N/A
N/A
N/A
THREE, AL
N/A
N/A
N/A
N/A
N/A
PCT
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
#ISS
%Change
'($000)'
#ISS
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
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N/A
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N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
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N/A
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N/A
N/A
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N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Fiduciary Services-b
12/31/2011
%Rev
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
PCT
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
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N/A
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N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Peer Number
Net Income:Avg Assets
0.39 0.64
-1.16 0.38
0.12 0.13
-1.89 -1.53
0.24 -1.07
29
10
34
37
78
'12
'11
'10
'09
'08
Net Interest Income (TE):
Avg Assets
1.39 3.73
49
'12
4.05 3.76
68
'11
4.11 3.77
72
'10
4.12 3.83
70
'09
4.65 3.87
88
'08
Noninterest Income:
Avg Assets
1.44 0.69
88
0.63 0.63
55
0.52 0.64
41
0.46 0.28
77
0.41 0.27
75
'12
'11
'10
'09
'08
Fiduciary Activities (inc)
Deposit Service Charges
Net from Trading Fees &
Comms (if available)
Foreign Exchange Trading
(if available)
Other Non-Interest Income
Non-interest expense:
Avg Assets
3.68 3.32
70
3.76 3.33
72
3.08 3.34
39
3.28 3.25
51
3.16 3.50
38
'12
'11
'10
'09
'08
Provision for loan & lease
losses: Avg Assets
0.62 0.29
83
'12
0.93 0.51
79
'11
0.27 0.78
26
'10
2.28 1.57
70
'09
0.52 1.00
42
'08
Realized G/L
HTM Securities
0.38 0.07
0.07 0.05
0.10 0.05
0.30 0.06
0.00 0.01
Personnel Expense:
Avg Assets
2.01 1.70
77
1.30 1.67
16
1.34 1.65
24
1.58 1.51
55
1.82 1.83
47
Occupancy Expense:
Avg Assets
0.28 0.43
15
0.22 0.44
6
0.22 0.45
5
0.28 0.46
16
0.29 0.53
13
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Average Assets per
employee-$MM
3.40
3.97
5.33
3.89
6.34
3.81
5.33
5.62
5.62
5.08
34
87
95
53
65
'12
'11
'10
'09
'08
Average Personnel Exp
per equiv Emp-$M
71.90
64.70
71
71.73
62.01
78
75.87
60.54
86
81.29
79.53
56
69.71
79.98
36
'12
'11
'10
'09
'08
Premises, fixed assets:
Avg Assets
0.41
2.24
4
0.43
2.24
5
0.44
2.24
5
0.51
1.75
27
0.67
2.04
30
'12
'11
'10
'09
'08
Avg Assets per domesic
office
93
72
75
92
70
Realized G/L
AFS Securities
Net Extraordinary Items:
Avg Assets
Applicable Income Tax:
Avg Assets
'12
'11
'10
'09
'08
Other operating expenses:
Avg Assets
1.39 1.16
74
'12
2.23 1.19
94
'11
1.51 1.21
76
'10
1.43 1.25
69
'09
1.06 1.13
50
'08
Effiency Ratio
85.55
108.73
91.48
97.19
80.72
76.82
76.82
78.35
101.23
104.87
72
93
78
54
23
'12
'11
'10
'09
'08
Overhead
Net Interest Income+NonInterest Income
or…
85.55 to make $100 in revenue
Interest Income (TE):
Avg Assets
4.17 4.25
43
4.47 4.56
42
4.77 4.82
45
5.07 4.98
54
6.09 5.85
70
Net Loans and Leases
Avg Assets
68.23 62.02
66
69.05 64.09
62
72.92 66.61
70
79.71 75.32
71
83.18 77.38
74
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Debt Securities:
Avg Assets
Interest-Bearing Bank
Balances: Avg Assets
Federal Funds Sold
Avg Assets
Trading Acct Securities:
Avg Assets
Equity Securities:
Avg Assets
Interest Expense
Avg Assets
1.31 0.63
1.64 0.87
1.93 1.18
2.16 1.96
2.58 2.76
98
98
96
62
34
Interest Income (TE):
Avg Earning Assets
4.33 4.62
31
4.72 4.94
34
5.41 5.24
62
5.33 5.28
56
6.24 6.14
58
Average Earning Assets
Avg Assets
96.24 92.37
87
94.74 92.55
72
88.17 92.32
12
95.15 94.34
57
97.60 95.31
79
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Total Loans & Leases
(Yield On)
5.31 5.82
18
5.58 6.02
22
5.86 6.16
30
5.63 5.92
32
6.40 6.60
40
'12
'11
'10
'09
'08
Other Interest Income
Investment Securities
(Yield On)
2.12 2.54
33
2.49 3.07
28
3.03 3.59
28
4.29 3.94
63
5.50 4.88
82
Real Estate Loans
(yield on)
5.36 5.76
26
5.67 5.95
32
5.73 6.10
28
6.58 5.97
83
4.69 6.68
1
US Treasury & agency
Securities
1.94 1.67
65
3.09 2.09
83
4.39 2.64
92
3.74 3.54
54
5.29 4.66
77
'12
'11
'10
'09
'08
Commercial & Industria
Loans (yield on)
6.31 6.07
65
5.70 6.29
28
6.37 6.42
53
3.58 6.04
2
6.83 6.54
66
'12
'11
'10
'09
'08
Mortgage backed securities
(yield on)
1.26 2.17
13
'12
1.69 3.02
8
'11
2.18 3.64
9
'10
4.33 4.39
47
'09
5.52 5.21
82
'08
Loans to Individuals
(yield on)
6.58 7.54
31
5.91 7.85
16
6.17 7.90
16
6.55 6.54
50
7.62 7.02
62
Interest Bearing Bank
Balances (Yield On)
0.16 0.35
23
0.17 0.37
25
0.92 0.51
75
2.85 0.81
91
0.00 2.08
19
'12
'11
'10
'09
'08
All other securities
(yield on)
5.84 3.22
96
5.71 3.60
96
15.70 3.88
99
5.90 3.54
83
7.31 3.86
91
Agriculture Loans
(yield on)
N/A 5.75
N/A
N/A 6.21
N/A
N/A 6.36
N/A
N/A 6.66
N/A
N/A 6.97
N/A
Federal Funds Sold
(Yield On)
0.00 0.22
16
0.00 0.23
15
0.00 0.20
13
0.21 0.21
51
2.27 2.07
71
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Page 2
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Real Estate Loans
Avg Gross Lns & Leases
81.33 79.85
51
79.44 79.18
47
79.50 78.59
48
77.49 80.08
36
77.15 77.95
40
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Commercial & Industrial
Avg Gross Lns & Leases
13.92 12.34
62
16.32 12.72
68
16.92 13.01
70
19.53 16.36
70
20.20 18.09
65
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Loans to Individuals
Avg Gross Lns & Leases
4.10 3.18
68
3.45 3.53
58
3.00 3.86
51
2.72 1.81
70
2.65 1.87
73
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Agriculture Loans:
Avg Gross Lns & Leases
0.00 1.60
37
0.00 1.52
37
0.00 1.40
39
0.00 0.14
72
0.00 0.22
71
'12
'11
'10
'09
'08
Total Interest Bearing
Deposits (cost of)
1.50 0.78
98
1.93 1.06
99
2.30 1.43
97
2.53 2.44
55
3.15 3.54
23
Interest Expense
Avg Earning Assets
1.36 0.69
98
1.73 0.94
98
2.18 1.28
98
2.27 2.08
59
2.64 2.90
30
Transactions Accounts
(cost of)
0.12 0.27
24
0.28 0.36
48
1.10 0.47
89
2.25 0.76
94
0.56 1.32
19
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Other savings & deposits
(cost of)
0.56 0.37
80
'12
0.76 0.54
77
'11
1.25 0.75
89
'10
1.22 1.45
33
'09
2.35 2.43
38
'08
'12
'11
'10
'09
'08
Time deps over $100M
(cost of)
2.04 1.24
93
2.51 1.55
95
2.83 1.98
93
3.13 2.84
65
3.93 4.15
32
All other time deposits
(cost of)
2.36 1.21
97
2.62 1.56
96
2.80 2.04
92
3.01 3.00
47
3.71 4.16
16
'12
'11
'10
'09
'08
Foreign Office Deposits
(cost of)
N/A 0.00 N/A
N/A 0.39 N/A
N/A 0.50 N/A
N/A 0.00 N/A
N/A 0.00 N/A
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Federal Funds Purchased
& Repos (cost of)
1.47 0.36
92
'12
0.00 0.46
32
'11
0.00 0.53
33
'10
1.05 0.74
69
'09
1.41 2.35
20
'08
Other Borrowings (+ note
option) (cost of)
3.23 2.40
60
'12
3.22 2.59
55
'11
2.80 2.77
39
'10
2.88 2.64
53
'09
2.13 3.04
18
'08
Subord Notes &
Debentures (cost of)
N/A 5.66 N/A
N/A 6.10 N/A
N/A 9.98 N/A
N/A 5.32 N/A
N/A 2.42 N/A
Interest-Bearing Funds
Avg Assets
81.14 74.26
81
81.56 75.75
77
82.39 77.13
75
84.62 80.52
73
87.08 78.63
93
'12
'11
'10
'09
'08
Page 3
'12
'11
'10
'09
'08
Interest-bearing transaction
accts:avg assets
15.70 12.63
65
'12
13.79 11.90
62
'11
9.88 11.23
47
'10
22.07 5.95
96
'09
20.53 5.21
94
'08
Foreign office deposits
avg assets
0.00 0.00
99
0.00 0.02
99
0.00 0.02
99
0.00 0.00
99
0.00 0.00
99
'12
'11
'10
'09
'08
Interest-bearing non-trans
accts:avg assets
70.96 68.40
59
'12
76.07 71.02
65
'11
75.11 73.61
57
'10
71.68 82.82
15
'09
73.99 83.90
16
'08
Other borrowings:
avg assets
0.00 0.00
88
0.00 0.02
80
0.00 0.04
75
2.43 0.10
96
5.93 0.04
99
'12
'11
'10
'09
'08
Federal funds & repos
avg assets
0.00 0.40
60
0.00 0.43
58
0.00 0.52
55
0.00 0.75
53
1.59 1.21
70
Subord notes & debentures
avg assets
0.00 0.02
98
'12
0.00 0.01
98
'11
0.00 0.01
98
'10
0.00 0.03
97
'09
0.00 0.01
98
'08
'12
'11
'10
'09
'08
BANK FOUR
FDIC Certificate # 4444
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 444444
County: FOUR
BANK FOUR
FOUR, TX
December 31, 2012 Uniform Bank Performance Report
Information
Introduction
This uniform bank performance report covers the operations of a bank and that of a
comparable group of peer banks. It is provided as a bank management tool by the Federal
Financial Institutions Examination Council. Detailed information
concerning the content of this report is provided in the Users Guide for the Uniform
Bank Performance Report found online at www.ffiec.gov.
This report has been produced for the use of the federal regulators of financial
institutions in carrying out their supervisory responsibilities. All information contained herein
was obtained from sources deemed reliable however no guarantee is given as to
the accuracy of the data. The information contained in this report are not to be construed
as a rating or other evaluation of a financial institution by a federal banking regulator.
The quarterly report of condition and income is the principal source of information
for this report. Please refer to that document for additional financial information and
an explanation of the accounting standards that underlie data shown herein.
For questions regarding content of reports contact:
1-888-237-3111 or email: cdr.help@ffiec.gov
Financial Institution Address:
BANK FOUR
4444 FOUR CIRCLE
FOUR
TX
44444The Current Federal Regulator is:
Federal Deposit Insurance Corporation
The bank was established on: 1/1/1900
The current peer group for this bank is: 3
Insured commercial banks having assets between $300 million and $1 billion
FootNotes:
Financial data in the Uniform Bank Performance Report may have been adjusted
as a result of information shown in footnotes below. Please refer to the
Uniform Bank Performance Report Users Guide online for details.
Bank has elected Subchapter S tax treatment during one or more of the quarters listed.
The UBPR will display ratio Net Income Adjusted for Subchapter S on Summary Ratios
and One Quarter Annualized Income Analysis pages.
Table of Contents
Table of Contents
Section
Cover Page
Summary Ratios--Page 1
Income Statement $--Page 2
Noninterest Income, Expenses and Yields--Page 3
Balance Sheet $--Page 4
Off Balance Sheet Items--Page 5
Derivative Instruments--Page 5A
Derivative Analysis--Page 5B
Balance Sheet Percentage Composition--Page 6
Analysis of Credit Allowance and Loan Mix--Page 7
Analysis of Credit Allowance and Loan Mix--Page 7A
Analysis of Concentrations of Credit--Page 7B
Analysis of Past Due, Nonaccrual & Restructured--Page 8
Analysis of Past Due, Nonaccrual & Restructured--Page 8A
Interest Rate Risk Analysis as a Percent of Assets--Page 9
Liquidity & Funding--Page 10
Liquidity & Investment Portfolio--Page 10A
Capital Analysis--Page 11
Capital Analysis--Page 11A
One Quarter Annualized Income Analysis--Page 12
Securitization & Asset Sale Activities--Page 13
Securitization & Asset Sale Activities--Page 13A
Securitization & Asset Sale Activities--Page 13B
Fiduciary & Related Services--Page 14
Fiduciary & Related Services--Page 14A
Bank Holding Company Information:
FRB District / ID_RSSD 11 / 4444444
FOUR BANCORP, INC.
FOUR, TX
FDIC Certificate # 4444
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 444444
County: FOUR
BANK FOUR
Summary Ratios--Page 1
FOUR, TX
Summary Ratios
BANK
12/31/2012
PG 3
PCT
BANK
12/31/2011
PG 3
PCT
BANK
12/31/2010
PG 3
PCT
BANK
12/31/2009
PG 3
PCT
BANK
12/31/2008
PG 3
PCT
4.24
0.44
3.80
1.36
4.36
0.01
0.79
0.26
1.04
1.02
0.91
0.00
0.69
1.02
4.23
0.66
3.56
0.78
2.93
0.30
1.16
0.07
1.25
0.92
0.90
0.00
0.83
0.92
50
22
67
85
93
10
29
89
36
59
48
98
35
59
4.36
0.80
3.56
1.71
4.03
0.11
1.14
0.02
1.16
1.13
1.11
0.00
0.77
1.13
4.50
0.90
3.60
0.71
2.93
0.53
0.89
0.05
0.95
0.67
0.68
0.00
0.60
0.67
37
39
44
92
90
14
53
57
52
72
67
98
50
72
5.06
1.03
4.03
2.22
4.16
0.61
1.47
0.00
1.47
1.51
1.76
0.00
0.97
1.51
4.78
1.22
3.56
0.72
2.94
0.80
0.59
0.05
0.65
0.44
0.56
0.00
0.38
0.44
69
32
79
94
91
52
74
35
72
88
90
98
72
88
5.25
1.49
3.76
2.14
4.07
0.87
0.96
0.08
1.04
0.98
1.08
0.00
0.69
0.98
5.13
1.68
3.45
0.74
2.97
1.12
0.15
0.04
0.18
0.10
0.41
0.00
0.05
0.10
58
34
66
95
88
52
60
72
63
75
70
98
63
76
6.40
2.24
4.16
1.68
4.22
0.47
1.15
0.00
1.15
1.12
1.04
N/A
0.76
1.12
5.90
2.36
3.55
0.77
2.91
0.62
0.87
-0.04
0.74
0.53
0.78
0.00
0.47
0.53
85
41
83
92
90
55
52
53
55
74
61
N/A
56
74
Margin Analysis:
Avg Earning Assets to Avg Assets
Avg Int-Bearing Funds to Avg Assets
Int Inc (TE) to Avg Earn Assets
Int Expense to Avg Earn Assets
Net Int Inc-TE to Avg Earn Assets
91.03
67.58
4.66
0.48
4.17
93.26
78.23
4.55
0.71
3.83
21
11
56
23
72
91.79
70.11
4.75
0.87
3.88
93.16
79.79
4.85
0.96
3.88
30
11
43
41
50
92.39
72.88
5.47
1.11
4.36
93.08
81.05
5.15
1.31
3.84
38
12
70
33
79
91.89
76.38
5.71
1.62
4.09
93.59
81.67
5.50
1.80
3.70
27
19
65
36
70
94.03
73.95
6.81
2.38
4.42
93.86
80.74
6.30
2.52
3.79
49
14
85
40
81
Loan & Lease Analysis:
Net Loss to Average Total LN&LS
Earnings Coverage of Net Losses (X)
LN&LS Allowance to LN&LS Not HFS
LN&LS Allowance to Net Losses (X)
LN&LS Allowance to Total LN&LS
Total LN&LS-90+ Days Past Due
-Nonaccrual
-Total
0.20
6.54
1.37
6.43
1.36
1.37
1.77
3.14
0.51
11.79
1.77
7.41
1.74
0.07
1.91
2.06
36
53
30
63
31
98
58
76
0.22
9.43
1.39
6.33
1.39
0.51
1.28
1.79
0.80
7.50
1.93
4.85
1.90
0.08
2.64
2.79
24
73
26
74
27
92
36
44
0.51
5.55
1.39
2.51
1.39
1.02
2.37
3.39
1.01
5.56
1.97
3.72
1.94
0.11
3.06
3.24
39
67
25
52
26
96
51
62
1.03
2.27
0.98
1.02
0.98
1.60
3.97
5.57
1.12
4.74
1.87
3.28
1.85
0.15
2.96
3.18
60
49
5
19
6
97
71
80
0.70
2.84
1.07
1.71
1.07
0.01
1.12
1.14
0.53
9.99
1.43
5.96
1.42
0.15
1.84
2.07
71
32
24
23
25
37
46
40
Liquidity
Net Non Core Fund Dep New $250M
Net Loans & Leases to Assets
-10.50
59.30
3.45
62.30
14
39
-3.42
59.47
5.83
62.82
21
36
5.96
64.64
9.12
65.77
40
43
26.63
72.14
26.41
68.15
50
60
30.55
81.74
31.66
71.43
48
82
Capitalization
Tier One Leverage Capital
Cash Dividends to Net Income
Retained Earnings to Avg Total Equity
Rest+Nonac+RE Acq to Eqcap+ALLL
10.25
94.98
0.49
21.55
9.67
32.27
4.49
23.05
67
92
16
57
9.01
40.31
7.38
25.36
9.40
28.25
2.74
31.13
44
62
77
55
8.96
67.21
5.25
24.81
9.02
26.27
0.71
35.71
50
84
65
50
8.97
46.15
6.16
36.19
8.66
30.16
-3.13
34.15
59
64
80
65
9.14
112.13
-1.50
16.35
8.75
45.37
0.24
18.71
65
87
30
59
-10.46
0.55
-10.72
-1.23
-51.53
5.13
6.44
3.64
33.76
-2.29
3
15
9
37
8
6.08
8.19
-2.40
63.37
-55.99
4.09
5.82
-0.56
36.82
-48.46
64
66
42
70
42
6.80
5.80
-4.31
124.93
12.65
1.78
3.67
-1.99
58.11
-11.91
75
55
40
79
84
41.39
45.50
24.79
471.39
21.36
4.62
4.57
-0.10
232.34
-2.97
97
97
95
82
80
5.25
-1.37
15.67
-83.84
28.96
8.75
5.18
9.14
35.08
21.85
39
22
75
8
66
Earnings and Profitability
Percent of Average Assets:
Interest Income (TE)
- Interest Expense
Net Interest Income (TE)
+ Noninterest Income
- Noninterest Expense
- Provision: Loan & Lease Losses
Pretax Operating Income (TE)
+ Realized Gains/Losses Sec
Pretax Net Operating Income (TE)
Net Operating Income
Adjusted Net Operating Income
Net Inc Attrib to Min Ints
Net Income Adjusted Sub S
Net Income
Growth Rates
Total Assets
Tier One Capital
Net Loans & Leases
Short Term Investments
Short Term Non Core Funding
Average Total Assets
Total Equity Capital
Net Income
Number of banks in Peer Group
543,405
56,700
5,522
575,442
56,675
6,524
522,398
48,343
7,902
448,812
47,408
4,394
331,268
29,687
3,718
1,200
1,170
1,166
1,198
1,191
FDIC Certificate # 4444
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 444444
County: FOUR
BANK FOUR
Income Statement $--Page 2
FOUR, TX
Income Statement $
12/31/2012
20,592
439
219
110
21,141
12/31/2011
21,984
502
218
107
22,593
12/31/2010
23,175
569
102
49
23,793
12/31/2009
20,022
775
185
89
20,886
12/31/2008
17,665
779
134
63
18,507
Percent Change
1 Year
##########
##########
1/0/1900
2.54
-6.43
US Treas & Agency (Excl MBS)
Mortgage Backed Securities
Estimated Tax Benefit
All Other Securities
Tax-Exempt Securities Income
Investment Interest Income (TE)
990
545
26
78
53
1,639
1,263
772
69
141
140
2,245
900
1,041
181
371
370
2,493
331
1,358
248
587
517
2,524
541
1,103
184
392
392
2,220
-21.62
-29.4
-61.36
-44.68
-62.14
-26.97
Interest on Due From Banks
Int on Fed Funds Sold & Resales
Trading Account Income
Other Interest Income
232
0
0
17
207
0
0
43
82
0
0
49
61
0
0
87
1
270
0
200
12.08
N/A
N/A
-60.47
23,030
25,088
26,418
23,558
21,198
-8.21
N/A
958
1,211
0
211
0
N/A
1,746
2,054
0
785
0
N/A
1,839
2,476
9
1,050
0
N/A
2,484
3,119
2
1,070
0
N/A
2,474
4,800
13
139
0
N/A
-45.13
-41.04
N/A
-73.12
N/A
2,380
4,585
5,374
6,675
7,426
-48.09
Net Interest Income (TE)
Non-interest Income
Adjusted Operating Income (TE)
20,650
7,385
28,035
20,503
9,849
30,352
21,044
11,572
32,616
16,883
9,603
26,486
13,772
5,564
19,336
0.71
-25.02
-7.64
Non-Interest Expense
Provision: Loan & Lease Losses
Pretax Operating Income (TE)
23,692
72
4,271
23,166
628
6,558
21,721
3,196
7,699
18,263
3,917
4,306
13,966
1,547
3,823
2.27
-88.54
-34.88
Realized G/L Hld-to-Maturity Sec
Realized G/L Avail-for Sale Sec
Pretax Net Operating Inc (TE)
0
1,388
5,659
0
142
6,700
0
0
7,699
0
376
4,682
0
0
3,823
N/A
877.46
-15.55
0
137
0
137
0
176
0
176
-434
231
0
-202
-49
337
0
288
-142
247
0
105
N/A
-22.45
N/A
-22.45
5,522
6,524
7,902
4,394
3,718
-15.36
Net Extraordinary Items
Net Inc Noncontrolling Minority Interests
Net Income
0
0
5,522
0
0
6,524
0
0
7,902
0
0
4,394
0
N/A
3,718
N/A
N/A
-15.36
Cash Dividends Declared
Retained Earnings
Memo: Net International Income
5,245
277
N/A
2,630
3,894
N/A
5,311
2,591
N/A
2,028
2,366
N/A
4,169
-451
N/A
99.43
-92.89
N/A
Interest and Fees on Loans
Income From Lease Financing
Tax-Exempt
Estimated Tax Benefit
Income on Loans & Leases (TE)
Total Interest Income (TE)
Int on Deposits in Foreign Off
Interest on Time Dep Over $100M
Interest on All Other Deposits
Int on Fed Funds Purch & Repos
Int Trad Liab & Oth Borrowings
Int on Sub Notes & Debentures
Total Interest Expense
Applicable Income Taxes
Current Tax Equiv Adjustment
Other Tax Equiv Adjustments
Applicable Income Taxes (TE)
Net Operating Income
FDIC Certificate # 4444
OCC Charter # 0
Public Report
Percent of Average Assets
Personnel Expense
Occupancy Expense
Other Oper Exp (Incl Intangibles)
Total Overhead Expense
Overhead Less Nonint Inc
Other Income & Expense Ratios:
Efficiency Ratio
Avg Personnel Exp Per Empl($000)
Assets Per Employee ($Million)
Yield on or Cost of:
Total Loan & Leases (TE)
Loans in Domestic Offices
Real Estate
Secured by 1-4 Fam Resi Prop
All Other Loans Sec Real Estate
Commercial & Industrial
Individual
Credit Card
Agricultural
Loans in Foreign Offices
Total Investment Securities (TE)
Total Investment Securities (Book)
US Treas & Agency (Excl MBS)
Mortgage Backed Securities
All Other Securities
Interest-Bearing Bank Balances
Federal Funds Sold & Resales
Total Interest Bearing Deposits
Transaction accounts
Other Savings Deposits
Time Deps Over $100M
All Other Time Deposits
Foreign Office Deposits
Federal Funds Purchased & Repos
Other Borrowed Money
Subord Notes & Debentures
All Interest-Bearing Funds
Non-interest Income & Expenses
Fiduciary Activities
Deposit Service Charges
Trading, Vent Cap, Securtz Inc
Inv Banking, Advisory Inc
Insurance Comm & Fees
Net Servicing Fees
Loan & Lse Net Gains/Loss
Other Net Gains/Losses
Other Non-interest Income
Non-interest Income
Personnel Expense
Occupancy Expense
Goodwill Impairment
Other Intangible Amortiz
Other Oper Exp(incl Intangibles)
Non-Interest Expense
Domestic Banking Offices(#)
Foreign Branches (#)
Assets Per Domestic Office
FRB District/ID_RSSD 11 / 444444
County: FOUR
BANK FOUR
Noninterest Income, Expenses and Yields--Page 3
FOUR, TX
Non Int Inc, Exp, Yields
BANK
2.04
0.53
1.79
4.36
3.00
12/31/2012
PG 3
1.56
0.36
0.99
2.93
2.09
PCT
86
86
93
93
91
BANK
1.75
0.49
1.79
4.03
2.31
12/31/2011
PG 3
1.50
0.37
1.04
2.93
2.19
PCT
74
80
92
90
60
BANK
1.78
0.53
1.85
4.16
1.94
12/31/2010
PG 3
1.47
0.38
1.06
2.94
2.17
PCT
77
83
93
91
36
BANK
1.83
0.49
1.75
4.07
1.93
12/31/2009
PG 3
1.45
0.39
1.09
2.97
2.18
PCT
81
75
91
88
35
BANK
1.90
0.55
1.76
4.22
2.54
12/31/2008
PG 3
1.53
0.40
0.93
2.91
2.06
PCT
80
82
93
90
79
84.51
53.33
2.42
66.82
68.31
4.71
87
15
2
76.32
49.85
2.79
67.91
65.25
4.62
73
11
5
66.60
50.67
2.88
68.42
63.41
4.54
49
15
9
68.95
49.14
2.97
71.47
62.11
4.60
53
14
12
72.23
49.21
2.74
66.05
60.94
4.39
69
18
10
6.65
6.62
6.53
7.07
6.40
6.22
8.00
18.48
6.30
N/A
1.74
1.71
1.27
4.24
2.09
0.29
0.00
0.60
0.25
0.22
0.93
0.93
N/A
5.64
5.62
5.58
5.55
5.61
5.75
7.26
9.12
5.81
4.24
2.71
2.38
1.74
2.34
3.27
0.30
0.17
0.76
0.31
0.36
1.26
1.28
0.25
93
92
92
91
88
73
67
90
70
N/A
12
15
29
93
12
64
20
31
48
29
22
21
N/A
6.57
6.52
6.35
7.62
6.03
6.24
8.19
16.87
6.39
N/A
2.21
2.15
1.67
3.77
2.58
0.26
0.00
1.00
0.44
0.47
1.43
1.32
N/A
5.84
5.82
5.76
5.76
5.78
5.93
7.50
9.70
6.03
4.62
3.19
2.87
2.10
3.10
3.65
0.33
0.18
1.03
0.41
0.50
1.57
1.63
0.23
89
89
86
95
66
67
68
87
68
N/A
13
16
34
77
13
54
17
47
62
49
40
26
N/A
6.36
6.32
6.54
7.14
6.38
6.17
5.57
18.77
6.36
N/A
3.18
2.95
2.05
4.13
3.99
0.31
0.00
1.25
0.60
0.57
1.72
1.62
N/A
5.97
5.95
5.88
5.93
5.86
6.06
7.63
9.01
6.20
6.10
3.68
3.34
2.58
3.76
3.86
0.39
0.21
1.40
0.54
0.70
2.00
2.09
0.51
77
76
88
89
81
60
12
91
59
N/A
31
30
32
63
55
61
13
36
64
40
29
17
N/A
6.18
6.09
6.32
6.53
6.27
5.25
5.87
18.13
5.96
N/A
4.55
4.10
2.75
4.40
4.65
0.41
0.00
1.80
0.53
0.78
2.59
2.24
N/A
6.06
6.04
5.99
6.09
5.94
6.03
7.76
9.18
6.27
6.56
4.44
4.13
3.57
4.58
4.10
0.63
0.24
1.98
0.66
0.92
2.79
2.89
0.81
58
54
73
69
70
21
14
90
41
N/A
54
44
25
38
77
59
8
37
49
44
35
11
N/A
7.15
7.09
7.11
7.75
6.97
6.81
8.12
17.08
6.79
N/A
5.51
5.05
4.89
5.23
4.82
100.00
2.61
3.03
0.88
1.83
3.57
4.24
N/A
6.77
6.75
6.69
6.72
6.72
6.84
8.16
9.51
7.01
6.44
5.02
4.67
4.57
4.99
4.27
2.22
2.10
2.87
1.09
1.56
3.95
3.97
2.10
76
74
78
84
67
53
51
87
44
N/A
82
78
63
71
77
99
85
58
44
67
20
72
N/A
0.00
3.73
N/A
0.65
0.55
2.56
4.65
0.85
17
73
N/A
29
0.00
3.59
N/A
1.14
0.61
2.69
4.86
1.13
15
66
N/A
51
0.18
3.59
N/A
1.41
0.78
3.09
5.21
1.51
19
57
N/A
42
0.59
3.45
N/A
1.95
0.91
3.13
4.65
2.07
39
49
N/A
41
1.77
3.30
N/A
3.03
2.32
3.67
5.24
2.94
25
32
N/A
54
1,829
3,189
0
0
2
0
306
-1,412
3,471
7,385
11,092
2,874
0
8
9,718
23,692
14
0
35,984
1,664
3,117
0
0
6
0
111
-47
4,998
9,849
10,070
2,814
0
28
10,254
23,166
14
0
40,189
1,549
2,877
0
0
12
0
1,856
-454
5,732
11,572
9,323
2,747
0
32
9,619
21,721
15
0
35,358
1,469
2,613
0
0
6
0
390
59
5,066
9,603
8,207
2,189
0
24
7,843
18,263
12
0
41,384
1,641
2,096
0
0
19
0
301
79
1,428
5,564
6,299
1,821
0
21
5,825
13,966
7
0
50,177
FDIC Certificate # 4444
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 444444
County: FOUR
12/31/2012
BANK FOUR
Balance Sheet $--Page 4
12/31/2011
FOUR, TX
12/31/2010
Balance Sheet $
12/31/2009
12/31/2008
Percent Change
1 Quarter
1 Year
Assets:
Real Estate Loans
Commercial Loans
Individual Loans
Agricultural Loans
Other LN&LS in Domestic Offices
LN&LS in Foreign Offices
Loans Held for Sale
Loans not Held for Sale
LN&LS Allowance
Net Loans & Leases
U.S. Treasury & Agency Securities
Municipal Securities
Foreign Debt Securities
All Other Securities
Interest-Bearing Bank Balances
Federal Funds Sold & Resales
Trading Account Assets
Total Investments
Total Earning Assets
201,423
58,977
19,775
11,529
11,652
N/A
411
302,471
4,132
298,750
86,334
3,399
0
4,336
57,722
0
0
151,791
450,541
216,408
72,325
25,051
16,559
9,884
N/A
86
339,223
4,703
334,606
103,730
3,681
0
4,096
65,750
47
0
177,304
511,910
204,561
72,882
28,882
27,024
15,431
N/A
45
347,594
4,818
342,821
86,570
7,433
0
0
40,780
219
0
135,002
477,823
213,881
69,657
45,243
24,665
9,913
N/A
306
361,510
3,542
358,274
61,695
13,247
0
0
17,512
175
0
92,629
450,903
151,050
63,901
41,712
24,374
10,958
N/A
0
290,197
3,095
287,102
26,418
7,998
0
0
0
50
0
34,466
321,568
0.52
-3.27
-9.46
-11.01
-12.77
N/A
-42.19
-1.85
-1.31
-1.95
4.53
-15.47
N/A
21.56
-24.56
N/A
N/A
-8.94
-4.43
-6.92
-18.46
-21.06
-30.38
17.89
N/A
377.91
-10.83
-12.14
-10.72
-16.77
-7.66
N/A
5.86
-12.21
-100.00
N/A
-14.39
-11.99
Nonint Cash & Due From Banks
Premises, Fix Assts, Cap Leases
Other Real Estate Owned
Dir & Indir Inv RE Ventures
Inv in Unconsolidated Subs
Acceptances & Oth Assets
Total Assets
Average Assets During Quarter
31,449
8,314
4,607
0
0
8,866
503,777
508,209
24,417
9,013
6,160
0
0
11,146
562,646
579,817
23,297
8,764
4,918
0
0
15,572
530,374
535,415
16,342
5,113
3,996
0
0
20,263
496,617
505,329
13,766
4,013
2,079
0
0
9,816
351,242
340,580
12.77
-2.02
-27.38
N/A
N/A
-8.40
-3.82
-3.02
28.80
-7.76
-25.21
N/A
N/A
-20.46
-10.46
-12.35
Liabilities:
Demand Deposits
All Now & ATS Accounts
Money Market Deposit Accounts
Other savings Deposits
Time Deps At Or Below Insurance Limit
Less: Fully Insured Brokered Deposits
Core Deposits
Fully Insured Brokered Deposits
Time Deps Above Insurance Limit
Deposits in Foreign Offices
Total Deposits
Federal Funds Purch & Resale
Fed Home Loan Bor Mat < 1 Year
Fed Home Loan Bor Mat > 1 Year
Oth Borrowing Mat < 1 Year
Oth Borrowing Mat > 1 Year
Acceptances & Other Liabilities
Total Liabilities (Incl Mortg)
Subordinated Notes & Debentures
Total Bank Capital & Min Int
Total Liabilities & Capital
106,210
86,938
62,837
24,902
138,674
4,858
414,703
4,858
25,110
0
444,672
0
4
166
0
0
2,235
447,077
0
56,700
503,777
118,495
71,093
68,412
23,311
178,204
11,466
448,049
11,466
34,338
0
493,854
0
10,061
287
0
0
1,769
505,971
0
56,675
562,646
97,158
57,889
63,067
19,119
188,102
15,206
410,129
15,206
31,570
0
456,905
0
12,500
10,614
0
0
2,012
482,031
0
48,343
530,374
70,666
57,766
56,158
15,862
110,247
93
310,606
93
99,343
0
410,042
0
12,500
23,443
0
0
3,224
449,209
0
47,408
496,617
52,580
28,516
53,743
7,816
81,067
6,362
217,360
6,362
76,515
0
300,237
0
12,591
5,767
0
0
2,960
321,555
0
29,687
351,242
-11.24
5.71
-0.13
1.42
-6.53
-15.40
-4.00
-15.40
-6.57
N/A
-4.29
N/A
N/A
-17.00
N/A
N/A
2.48
-4.26
N/A
-0.18
-3.82
-10.37
22.29
-8.15
6.83
-22.18
-57.63
-7.44
-57.63
-26.87
N/A
-9.96
N/A
-99.96
-42.16
N/A
N/A
26.34
-11.64
N/A
0.04
-10.46
4
8,852
0
94,069
4,858
5
10,207
0
111,507
11,466
4
13,614
0
94,003
15,206
3
14,883
0
74,942
1,000
3
10,642
0
34,416
6,362
-0.65
N/A
4.31
-15.40
-13.28
N/A
-15.64
-57.63
Memoranda:
Officers, Shareholder Loans (#)
Officers, Shareholder Loans ($)
Held-to-Maturity Securities
Available-for-Sale Securities
All Brokered Deposits
FDIC Certificate # 4444
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 444444
County: FOUR
BANK
0.02
0.65
6.38
0.69
5.68
0.00
5.20
12.24
0.00
12/31/2012
PG 3
1.48
0.17
1.83
0.46
1.17
0.00
5.81
10.13
0.00
PCT
14
83
95
72
97
87
50
67
99
Standby Letters of Credit
Amount Conveyed to Others
Commercial Letters of Credit
0.27
N/A
0.00
0.32
0.00
0.01
Assets Securitized or Sold w/Rec
Amount of Recourse Exposure
0.00
0.00
Credit Derivatives Bank as Guarantor
Credit Derivatives Bank as Beneficiary
All Oth Off-Balance Sheet Items
Outstanding (% of Total)
Home Equity (1-4 Family)
Credit Card
Commercial RE Secured by RE
1-4 Family Residential
Comml RE, Oth Const & Land
Commercial RE Not Secured by RE
All Other
Total LN&LS Commitments
Securities Underwriting
Off-Balance Sheet Items
Outstanding ($000)
Home Equity (1-4 Family)
Credit Card
Commercial RE Secured by RE
1-4 Family Residential
Commercial RE, Oth Const & Land
Commercial RE Not Secured by RE
All Other
Securities Underwriting
Memo: Unused Commit w/mat GT 1 YR
BANK FOUR
Off Balance Sheet Items--Page 5
BANK
0.01
0.55
2.45
0.79
1.66
0.00
5.20
8.21
0.00
12/31/2011
PG 3
1.53
0.17
1.52
0.34
1.03
0.00
5.47
9.48
0.00
PCT
13
81
76
82
74
86
52
43
99
53
N/A
87
0.12
N/A
0.00
0.35
0.00
0.01
0.25
0.03
80
81
0.00
0.00
0.00
0.00
0.00
0.03
99
99
0.69
0.08
13.20
11.76
FOUR, TX
BANK
0.01
0.64
2.98
0.06
2.92
0.00
4.71
8.34
0.00
12/31/2010
PG 3
1.57
0.19
1.48
0.35
0.97
0.01
5.27
9.33
0.00
PCT
13
81
85
26
91
85
50
44
99
27
N/A
85
0.21
N/A
0.00
0.38
0.00
0.01
0.23
0.02
81
82
0.00
0.00
0.00
0.00
0.00
0.01
99
99
90
0.62
0.09
62
8.95
11.09
Off Balance Sheet Items
BANK
0.01
0.75
0.76
0.16
0.59
0.00
5.65
7.17
0.00
12/31/2009
PG 3
1.67
0.20
1.78
0.40
1.18
0.01
5.26
9.76
0.00
PCT
12
82
25
36
32
81
60
33
99
40
N/A
85
0.17
N/A
0.00
0.42
0.00
0.01
0.22
0.02
82
83
0.00
0.00
0.00
0.00
0.00
0.00
99
99
90
0.66
0.12
41
9.21
11.13
Percent Change
1 Quarter
1 Year
BANK
0.00
0.94
1.67
0.27
1.40
0.00
7.51
10.11
0.00
12/31/2008
PG 3
1.82
0.20
2.89
0.69
1.91
0.02
5.81
11.74
0.00
PCT
10
87
33
32
42
80
69
40
99
32
N/A
85
0.17
0.00
0.00
0.54
0.00
0.01
25
93
84
0.14
0.01
84
85
0.00
0.00
0.12
0.01
84
85
0.00
0.00
0.01
0.01
99
99
0.00
0.00
0.00
0.01
99
99
90
0.00
0.12
85
0.00
0.15
85
42
7.34
11.41
26
10.29
13.61
33
99
3,253
32,125
3,498
28,627
0
26,173
0
1,911
64
3,105
13,761
4,443
9,318
0
29,267
0
5,433
45
3,398
15,818
338
15,480
0
24,979
0
8,107
51
3,727
3,750
810
2,940
0
28,076
0
1,959
0
3,296
5,866
947
4,919
0
26,362
0
66
1.02
1.24
-4.19
-6.55
-3.89
N/A
7.05
N/A
-52.25
54.69
4.77
133.45
-21.27
207.22
N/A
-10.57
N/A
-64.83
1,364
N/A
0
648
N/A
0
1,124
N/A
0
850
N/A
0
604
0
0
27.96
N/A
N/A
110.49
N/A
N/A
Assets Securitized or Sold w/recourse
Amount of Recourse Exposure
0
0
0
0
0
0
0
0
0
0
N/A
N/A
N/A
N/A
Credit Derivatives Bank as Guarantor
Credit Derivatives Bank as Beneficiary
0
0
0
0
0
0
0
0
0
0
N/A
N/A
N/A
N/A
3,500
3,500
3,500
0
0
0.00
0.00
66,514
50,345
48,864
36,454
36,128
1.00
32.12
Standby Letters of Credit
Amount Conveyed to Others
Commercial Letters of Credit
All Oth Off-Balance Sheet Items
Off-Balance Sheet Items
FDIC Certificate # 4444
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 444444
County: FOUR
12/31/2012
BANK FOUR
Derivative Instruments--Page 5A
12/31/2011
FOUR, TX
12/31/2010
Derivative Instruments
12/31/2009
12/31/2008
Notional Amount ($000)
Derivative Contracts
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
411
411
0
0
897
897
0
0
771
771
0
0
0
0
0
0
480
73
0
407
Derivatives Position
Future and Forwards
Written Options
Exchange Traded
Over-the-Counter
Purchased Options
Exchange Traded
Over-the-Counter
Swaps
0
411
0
411
0
0
0
0
808
89
0
89
0
0
0
0
723
48
0
48
0
0
0
0
0
0
0
0
0
0
0
0
448
32
0
32
0
0
0
0
Held-for-Trading
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
Non-Traded
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
Memo: Marked-to-Market
0
0
0
0
411
411
0
0
411
0
0
0
0
897
897
0
0
897
0
0
0
0
771
771
0
0
771
0
0
0
0
0
0
0
0
0
0
0
0
0
480
73
0
407
480
Derivative Contracts (RBC Def)
One Year or Less
Over 1 Year to 5 Years
Over 5 Years
0
0
0
0
808
808
0
0
723
723
0
0
0
0
0
0
82
82
0
0
Gross Negative Fair Value
Gross Positive Fair Value
Held-for-Trading
Non-Traded
Memo: Marked-to-Market
Curr Credit Exp on RBC Derivatives Contr
Credit Losses Off_BS Derivatives
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Past Due Derivatives Instruments:
Fair Value Carried as Assets
0
0
0
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Impact Nontraded Derivatives Contracts:
Increase (Decr) in Interest Inc
Increase (Decr) in Interest Exp
Increase (Decr) in Nonint ALLOC
Increase (Decr) in Net Income
FDIC Certificate # 4444
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 444444
County: FOUR
BANK FOUR
Derivative Analysis--Page 5B
FOUR, TX
Derivative Analysis
Percent of Notional Amounts
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
BANK
100.00
0.00
0.00
12/31/2012
PG 3
98.60
0.80
0.60
PCT
99
98
98
BANK
100.00
0.00
0.00
12/31/2011
PG 3
98.33
0.84
0.83
PCT
99
98
98
BANK
100.00
0.00
0.00
12/31/2010
PG 3
97.18
0.64
2.18
PCT
99
98
95
BANK
N/A
N/A
N/A
12/31/2009
PG 3
97.91
1.52
0.00
PCT
N/A
N/A
N/A
BANK
15.21
0.00
84.79
12/31/2008
PG 3
82.28
0.66
0.12
PCT
4
98
95
Derivatives Position
Futures and Forwards
Written Options
Exchange Traded
Over-the-Counter
Purchased Options
Exchange Traded
Over-the-Counter
Swaps
0.00
100.00
0.00
100.00
0.00
0.00
0.00
0.00
24.35
23.47
0.00
23.47
0.02
0.37
0.00
7.14
41
99
99
99
94
99
94
73
90.08
9.92
0.00
9.92
0.00
0.00
0.00
0.00
23.10
22.58
0.39
22.36
0.16
0.75
0.00
6.23
82
42
99
43
93
98
93
72
93.77
6.23
0.00
6.23
0.00
0.00
0.00
0.00
23.62
23.49
0.29
23.40
0.28
0.59
0.07
6.63
84
40
99
40
92
99
93
74
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
23.88
23.72
0.61
23.54
0.59
1.18
0.12
5.71
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
93.33
6.67
0.00
6.67
0.00
0.00
0.00
0.00
19.76
25.58
0.57
25.40
1.88
0.58
0.82
7.83
89
36
98
36
89
99
89
72
Held-for-Trading
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
Non-Traded
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
Memo: Marked-to-Market
0.00
0.00
0.00
0.00
100.00
100.00
0.00
0.00
100.00
2.68
2.68
0.00
0.00
7.20
9.08
0.80
0.60
7.20
86
86
99
99
99
99
98
98
99
0.00
0.00
0.00
0.00
100.00
100.00
0.00
0.00
100.00
1.66
1.66
0.00
0.00
6.27
11.12
0.84
0.83
6.27
88
88
99
99
99
99
98
98
99
0.00
0.00
0.00
0.00
100.00
100.00
0.00
0.00
100.00
1.24
1.24
0.00
0.00
6.40
15.63
0.64
2.18
6.40
90
90
99
99
99
99
98
95
99
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
1.17
1.16
0.30
0.00
4.79
18.18
1.21
0.00
4.79
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
100.00
15.21
0.00
84.79
100.00
1.21
1.21
0.29
0.00
9.52
18.91
0.37
0.12
9.52
90
90
99
99
99
12
98
95
99
Derivative Contracts (RBC Def)
One Year or Less
Over 1 Year to 5 Years
Over 5 Years
0.00
0.00
0.00
0.00
36.43
22.87
5.37
7.21
19
39
82
76
90.08
90.08
0.00
0.00
37.37
23.55
7.09
5.34
60
80
81
80
93.77
93.77
0.00
0.00
36.19
23.41
6.07
5.67
63
84
81
81
N/A
N/A
N/A
N/A
35.58
24.47
5.16
4.85
N/A
N/A
N/A
N/A
17.08
17.08
0.00
0.00
34.36
20.67
7.52
5.19
30
55
77
85
Gross Negative Fair Value
Gross Positive Fair Value
0.00
0.00
0.58
0.68
53
42
0.00
0.00
0.72
0.63
57
45
0.00
0.00
0.60
0.58
51
40
N/A
N/A
0.59
0.57
N/A
N/A
0.00
0.00
0.86
0.74
48
42
By Tier One Capital:
Gross Negative Fair Value (x)
Gross Positive Fair Value (x)
Held-for-Trading (x)
Non-Traded (x)
Non-Traded Marked-to-Mkt(x)
Current Credit Exposure (x)
Credit Losses on Derivatives
0.00
0.00
0.00
0.01
0.01
0.00
0.00
0.00
0.00
0.03
0.05
0.05
0.00
0.00
85
82
95
71
71
91
99
0.00
0.00
0.00
0.02
0.02
0.00
0.00
0.00
0.00
0.02
0.04
0.04
0.00
0.00
87
83
96
73
73
92
99
0.00
0.00
0.00
0.02
0.02
0.00
0.00
0.00
0.00
0.02
0.04
0.04
0.00
0.00
86
83
97
74
74
92
99
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.02
0.02
0.02
0.00
0.00
87
85
97
74
74
93
99
0.00
0.00
0.00
0.02
0.02
0.00
0.00
0.00
0.00
0.01
0.04
0.04
0.00
0.00
85
84
97
76
76
91
99
Past Due Derivative Instruments:
Fair Value Carried as Assets
0.00
0.00
99
0.00
0.00
99
0.00
0.00
99
0.00
0.00
99
0.00
0.00
99
0.00
0.00
0.00
0.00
91
99
0.00
0.00
0.00
0.00
91
99
0.00
0.00
0.00
0.00
92
99
0.00
0.00
0.00
0.00
92
99
0.00
0.00
0.00
0.02
91
99
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
Other Ratios:
Cur Credit Exposure/Risk WT AST
Credit Losses on Derivatives/CR Allow
Impact Nontraded Derivatives Contracts:
Incr(Dec) Interest Inc/Net Inc
Incr(Dec) Interest Exp/Net Inc
Incr(Dec) Nonint ALLOC/Net Inc
Incr(Dec) Net Income/Net Inc
FDIC Certificate # 4444
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 444444
County: FOUR
BANK FOUR
Balance Sheet Percentage Composition--Page 6
FOUR, TX
Balance Sheet %
Percent of Average Assets
Loans Held For Sale
Loans Not Held For Sale
Less: LN&LS Allowance
Net Loans & Leases
BANK
0.09
59.21
0.81
58.49
12/31/2012
PG 3
0.28
62.78
1.12
62.60
PCT
55
36
25
35
BANK
0.02
60.54
0.85
59.71
12/31/2011
PG 3
0.19
64.47
1.22
63.82
PCT
48
34
26
34
BANK
0.05
70.43
0.80
69.68
12/31/2010
PG 3
0.21
67.52
1.24
66.81
PCT
51
56
20
56
BANK
0.03
74.42
0.75
73.70
12/31/2009
PG 3
0.18
70.54
1.13
69.85
PCT
53
58
21
59
BANK
0.03
77.59
0.96
76.66
12/31/2008
PG 3
0.12
72.22
0.92
71.59
PCT
56
64
59
63
Interest-Bearing Bank Balances
Federal Funds Sold & Resales
Trading Account Assets
Held-to-Maturity Securities
Available-for-Sale Securities
13.55
0.01
0.00
0.00
18.37
5.64
0.52
0.01
0.68
19.93
88
48
96
60
50
12.69
0.04
0.00
0.00
18.10
5.13
0.68
0.01
0.71
18.88
89
45
97
60
52
5.13
0.04
0.00
0.00
15.66
4.27
0.87
0.02
0.78
16.56
62
39
97
58
51
5.53
0.03
0.00
0.00
12.58
2.35
1.19
0.04
1.09
15.23
82
23
97
54
45
0.00
3.12
0.00
0.00
11.76
0.59
1.46
0.09
1.16
14.83
10
80
95
53
42
90.42
92.00
26
90.55
91.72
31
90.51
91.63
31
91.85
91.87
47
91.54
91.87
41
4.87
1.61
1.20
0.00
0.00
1.90
9.58
100.00
1.96
1.74
0.70
0.01
0.00
3.12
8.00
100.00
96
46
76
95
86
24
73
99
4.27
1.57
0.98
0.00
0.00
2.64
9.45
100.00
1.82
1.78
0.82
0.01
0.00
3.31
8.28
100.00
95
43
65
95
86
36
68
99
3.72
1.41
0.79
0.00
0.00
3.57
9.49
100.00
1.78
1.82
0.76
0.01
0.00
3.49
8.37
100.00
92
37
61
95
86
53
68
99
3.28
1.06
0.69
0.00
0.00
3.13
8.15
100.00
2.03
1.88
0.52
0.00
0.00
3.26
8.13
100.00
87
24
67
91
86
48
52
99
4.10
1.25
0.53
0.00
0.00
2.59
8.46
100.00
2.37
1.92
0.24
0.00
0.00
3.25
8.13
100.00
92
28
81
91
88
36
58
99
0.16
0.34
34
0.16
0.37
32
0.16
0.41
28
0.17
0.47
27
0.19
0.59
24
21.23
14.97
11.88
4.51
29.61
1.52
80.68
1.52
5.69
0.00
87.88
9.19
6.23
18.36
15.35
26.10
1.89
76.88
1.89
4.42
0.07
84.43
91
89
34
24
65
63
65
63
70
99
74
20.36
11.98
11.79
3.80
33.18
2.75
78.36
2.75
5.76
0.00
86.87
7.94
5.64
17.73
14.20
29.04
2.44
75.37
2.44
4.80
0.10
83.91
93
84
35
22
65
66
57
66
68
98
68
16.47
11.27
11.44
3.38
30.58
1.38
71.76
1.38
10.40
0.00
83.53
6.86
5.03
16.37
13.05
29.83
3.20
70.80
3.20
7.60
0.11
83.10
94
86
37
22
54
52
48
52
77
98
48
14.01
9.20
12.35
2.89
24.14
0.29
62.30
0.29
20.82
0.00
83.41
6.33
4.48
15.58
11.92
22.28
3.98
59.05
3.98
16.98
0.11
81.89
92
84
45
21
56
37
58
37
71
98
56
16.24
8.64
15.52
2.28
23.67
0.38
65.97
0.38
21.44
0.00
87.79
6.46
3.97
15.59
11.53
22.56
3.84
58.65
3.84
15.79
0.21
80.38
95
87
56
18
53
39
70
39
78
98
87
0.00
1.16
0.00
7.56
1.08
2.53
0.01
7.13
41
44
80
60
0.00
3.51
0.00
12.12
1.27
3.04
0.03
9.57
38
59
67
71
0.65
5.76
0.00
20.81
1.35
3.88
0.07
17.57
52
66
63
67
0.00
7.24
0.00
20.92
1.52
4.93
0.14
20.53
29
67
59
54
0.24
1.98
0.01
20.39
1.95
5.71
0.11
20.36
28
26
63
55
0.39
89.44
0.63
89.65
31
41
0.35
90.73
0.63
89.96
23
63
0.52
90.45
0.64
90.27
42
48
0.80
91.46
0.69
90.62
67
64
1.04
91.06
0.74
90.45
81
55
0.00
10.56
100.00
0.03
10.32
100.00
96
59
96
0.00
9.27
100.00
0.05
9.99
100.00
95
37
97
0.00
9.55
100.00
0.00
9.68
100.00
94
52
96
0.00
8.55
100.00
0.00
9.32
100.00
94
37
96
0.00
8.94
100.00
0.00
9.49
100.00
93
45
97
Memo: All Brokered Deposits
Insured Brokered Deposits
1.52
1.52
2.05
1.89
61
63
2.75
2.75
2.64
2.44
64
66
1.41
1.71
3.68
3.36
49
54
0.33
0.29
4.97
3.98
33
37
0.38
0.38
4.20
3.84
37
39
Loans HFS as a % Loans
0.16
0.45
54
0.04
0.30
48
0.07
0.31
51
0.04
0.26
52
0.04
0.17
55
Total Earning Assets
Nonint Cash & Due From Banks
Premises, Fix Assts & Cap Leases
Other Real Estate Owned
Dir & Indir Inv RE Ventures
Inv in Unconsolidated Subs
Acceptances & Other Assets
Total Non-Earning Assets
Total Assets
Standby Letters of Credit
Liabilities
Demand Deposits
All NOW & ATS Accounts
Money Market Deposit Accounts
Other Savings Deposits
Time Deps At or Below Insurance Limit
Less: Fully Insured Brokered Deposits
Core Deposits
Fully Insured Brokered Deposits
Time Deps Above Insurance Limit
Deposits in Foreign Offices
Total Deposits
Federal Funds Purch & Repos
Total Fed Home Loan Borrowings
Total Other Borrowings
Memo: Sht Ter N Core Funding
Acceptances & Other Liabilities
Total Liabilities (Incl Mortg)
Subordinated Notes & Debentures
Total Bank Capital & Min Int
Total Liabilities & Capital
FDIC Certificate # 4444
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 444444
County: FOUR
BANK FOUR
Analysis of Credit Allowance and Loan Mix--Page 7
FOUR, TX
Allowance & Loan Mix-a
BANK
0.01
26.52
12/31/2012
PG 3
0.30
16.10
PCT
10
76
BANK
0.11
11.52
12/31/2011
PG 3
0.53
12.60
PCT
14
58
BANK
0.61
12.62
12/31/2010
PG 3
0.80
10.79
PCT
52
67
BANK
0.87
11.63
12/31/2009
PG 3
1.12
17.41
PCT
52
47
BANK
0.47
18.32
12/31/2008
PG 3
0.62
30.09
PCT
55
43
Net Loss to Average Total LN&LS
Gross Loss to Average Total LN&LS
Recoveries to Average Total LN&LS
0.20
0.29
0.08
0.51
0.62
0.09
36
36
61
0.22
0.30
0.08
0.80
0.91
0.09
24
26
58
0.51
0.64
0.12
1.01
1.11
0.08
39
43
76
1.03
1.09
0.07
1.12
1.20
0.06
60
59
67
0.70
0.77
0.07
0.53
0.58
0.05
71
71
75
LN&LS Allowance to LN&LS Not HFS
LN&LS Allowance to Total LN&LS
LN&LS Allowance to Net Losses (X)
LN&LS Allowance to Nonaccrual LN&LS (X)
1.37
1.36
6.43
0.77
1.77
1.74
7.41
1.76
30
31
63
35
1.39
1.39
6.33
1.08
1.93
1.90
4.85
1.33
26
27
74
58
1.39
1.39
2.51
0.58
1.97
1.94
3.72
1.22
25
26
52
35
0.98
0.98
1.02
0.25
1.87
1.85
3.28
1.13
5
6
19
5
1.07
1.07
1.71
0.94
1.43
1.42
5.96
1.69
24
25
23
48
Earnings Coverage of Net Losses (X)
6.54
11.79
53
9.43
7.50
73
5.55
5.56
67
2.27
4.74
49
2.84
9.99
32
Net Losses by Type of LN&LS
Real Estate Loans
Loans to Finance Comml Real Estate
Construction & Land Development
1-4 Family Construction
Other Construction & Land
Secured by Farmland
Single & Multifamily Mortgage
Home Equity Loans
1-4 Family Non-Revolving
Multifamily Loans
Non-Farm Non-Residential Mtg
Owner Occupied Nonfarm Nonresidential
Other Nonfarm Nonresidential
RE Loans in Foreign Offices
0.12
N/A
0.00
0.00
0.00
0.00
-0.01
0.00
-0.01
0.00
0.21
0.50
0.00
N/A
0.45
0.00
1.06
0.46
1.05
0.04
0.40
0.30
0.40
0.16
0.34
0.27
0.32
0.07
33
N/A
46
74
53
84
4
53
6
81
56
77
51
N/A
0.07
N/A
0.07
0.00
0.08
0.00
0.05
0.00
0.06
0.00
0.09
0.18
0.00
N/A
0.74
0.03
1.99
1.36
1.92
0.05
0.61
0.45
0.63
0.32
0.47
0.37
0.48
0.00
16
N/A
39
63
46
82
20
49
23
75
37
56
44
N/A
0.27
N/A
0.14
0.00
0.18
0.00
0.22
0.00
0.24
0.00
0.37
0.00
0.72
N/A
0.91
0.73
2.59
1.69
2.46
0.06
0.68
0.44
0.70
0.39
0.49
0.39
0.47
-85.65
31
N/A
33
54
43
80
37
47
40
74
55
4
74
N/A
0.13
N/A
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.22
-0.01
0.47
N/A
0.97
0.27
2.46
2.35
2.14
0.02
0.65
0.43
0.69
0.28
0.35
0.27
0.34
41.86
21
N/A
27
45
38
86
12
47
15
78
57
3
74
N/A
0.34
N/A
0.00
0.00
0.00
0.00
0.00
N/A
0.00
0.00
0.59
0.88
0.00
N/A
0.39
0.00
0.86
0.81
0.71
0.00
0.26
0.15
0.25
0.05
0.12
0.08
0.10
0.00
64
N/A
40
58
54
92
24
N/A
29
88
89
94
69
N/A
Agricultural Loans
Commercial and Industrial Loans
Lease Financing
Loans to Individuals
Credit Card Plans
-0.74
0.09
4.89
0.45
0.54
0.01
0.65
0.01
0.57
1.62
1
38
97
55
35
0.49
0.64
-0.57
0.30
1.20
0.02
0.97
0.00
0.69
2.00
94
55
5
41
45
-0.11
0.93
1.33
0.92
6.26
0.06
1.17
0.11
0.97
2.59
2
58
92
60
86
0.11
3.96
2.65
0.85
1.70
0.05
1.44
0.41
1.24
3.12
84
86
90
46
39
-0.01
0.74
2.62
0.86
2.72
0.01
0.70
0.14
0.86
2.42
8
65
92
57
63
All Other Loans & Leases
Loans to Foreign Governments
-0.49
N/A
0.25
0.00
2
N/A
0.34
N/A
0.20
0.00
82
N/A
0.43
N/A
0.27
0.00
80
N/A
0.15
N/A
0.43
0.00
70
N/A
1.52
N/A
0.27
0.00
89
N/A
Analysis Ratios
Loss Provision to Average Assets
Recoveries to Prior Credit Loss
Change: Credit Allowance ($000)
Beginning Balance
Gross Credit Losses
Memo: Loans HFS Write-down
Recoveries
Net Credit Losses
4,703
913
0
270
643
4,818
1,018
0
275
743
3,542
2,387
0
467
1,920
3,095
3,701
0
231
3,470
3,353
1,986
0
181
1,805
Provision: Loan & Lease Losses
Other Adjustments
LN&LS Allowance
72
0
4,132
628
0
4,703
3,196
0
4,818
3,917
0
3,542
1,547
0
3,095
317,945
343,658
374,067
338,234
258,723
Average Total Loans & Leases
FDIC Certificate # 4444
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 444444
County: FOUR
BANK FOUR
Analysis of Credit Allowance and Loan Mix--Page 7A
FOUR, TX
Allowance & Loan Mix-b
Loan Mix, % Average Gross LN&LS
Construction & Development
1-4 Family Construction
Other Const & Land Development
1-4 Family Residential
Home Equity Loans
Other Real Estate Loans
Farmland
Multifamily
Non-Farm Non-Residential
Owner Occupied Non-Farm Non-Residential
Other Non-Farm Non-Residential
Total Real Estate
BANK
8.43
1.89
6.53
12.10
0.03
44.06
4.80
1.16
38.09
15.94
22.16
64.58
12/31/2012
PG 3
6.89
1.40
5.17
25.16
3.24
41.92
3.52
3.04
33.38
16.57
16.06
76.58
PCT
65
69
65
17
11
57
68
25
63
48
73
20
BANK
8.26
1.61
6.65
12.47
0.04
40.37
5.91
0.78
33.68
16.14
17.54
61.10
12/31/2011
PG 3
7.95
1.52
6.08
24.39
3.43
41.98
3.39
2.94
33.71
16.88
16.15
77.02
PCT
58
58
60
18
11
45
74
18
50
48
58
14
BANK
7.10
1.55
5.54
12.09
0.04
38.77
5.87
0.78
32.11
15.51
16.60
57.95
12/31/2010
PG 3
9.68
2.02
7.33
24.09
3.47
40.45
3.08
2.77
32.74
16.35
15.69
77.23
PCT
42
47
44
16
11
45
75
19
49
47
57
10
BANK
7.62
1.32
6.30
10.53
0.05
39.62
6.35
0.52
32.75
16.83
15.92
57.76
12/31/2009
PG 3
12.70
3.11
9.17
23.82
3.48
37.74
2.64
2.57
30.84
15.34
14.78
77.54
PCT
33
29
40
14
11
59
80
14
58
61
58
9
BANK
5.32
0.78
4.54
9.14
0.00
37.81
8.00
0.03
29.78
19.82
9.96
52.26
12/31/2008
PG 3
15.25
4.44
10.27
22.52
3.16
35.51
2.32
2.32
29.31
14.36
14.31
76.89
PCT
19
14
27
14
8
60
86
4
54
78
33
6
Financial Institution Loans
Agricultural Loans
Commercial & Industrial Loans
Loans to Individuals
Credit Card Loans
Municipal Loans
Foreign Office Loans & Leases
All Other Loans
Lease Financing Receivables
0.00
4.16
19.27
7.09
0.17
1.23
0.00
1.56
2.10
0.00
2.09
13.63
3.43
0.07
0.57
0.07
0.29
0.05
93
79
77
83
80
78
98
90
96
0.00
6.26
20.21
7.67
0.16
1.10
0.00
1.76
1.90
0.00
2.00
13.38
3.51
0.07
0.59
0.06
0.28
0.05
92
83
80
84
79
75
99
92
97
0.00
7.27
18.54
11.91
0.15
0.62
0.00
1.66
2.05
0.00
1.79
13.30
3.73
0.07
0.54
0.05
0.30
0.05
93
86
77
91
78
69
99
91
97
0.00
7.25
19.10
12.05
0.15
0.74
0.00
0.33
2.76
0.00
1.54
13.41
3.77
0.07
0.51
0.05
0.31
0.05
92
88
77
91
78
72
99
71
97
0.00
8.84
23.04
11.04
0.19
0.81
0.00
0.43
3.58
0.00
1.40
14.09
3.92
0.07
0.44
0.08
0.32
0.06
92
91
84
89
80
76
99
73
97
0.00
0.00
0.00
0.10
99
70
0.00
0.00
0.00
0.12
99
69
0.00
0.00
0.00
0.13
99
69
0.00
0.00
0.00
0.16
99
66
0.00
0.00
0.00
0.15
99
67
Memorandum (% of Avg Tot Loans):
Loans & Lease Commitments
Officer, Shareholder Loans
Officer, Shareholder Loans to Assets
20.81
2.99
1.76
16.65
1.67
0.96
70
76
75
13.96
3.09
1.81
15.33
1.61
1.00
45
77
76
12.89
3.97
2.57
14.34
1.60
1.06
45
86
85
9.81
4.10
3.00
14.46
1.61
1.11
29
86
87
13.21
3.96
3.03
16.71
1.68
1.19
35
85
86
Other Real Estate Owned % Assets
Construction & Land Development
Farmland
1-4 Family
Multifamily
Non-Farm Non-Residential
Foreclosed GNMA
Foreign Offices
0.50
0.00
0.13
0.00
0.56
0.00
N/A
0.28
0.00
0.11
0.01
0.21
0.00
0.00
75
82
68
77
84
99
N/A
0.34
0.00
0.14
0.00
0.49
0.00
N/A
0.35
0.00
0.14
0.01
0.23
0.00
0.00
63
81
63
74
80
99
N/A
0.37
0.00
0.02
0.00
0.39
0.00
N/A
0.33
0.00
0.13
0.01
0.18
0.00
0.00
65
81
27
73
79
99
N/A
0.26
0.00
0.09
0.00
0.34
0.00
N/A
0.24
0.00
0.10
0.01
0.10
0.00
0.00
66
87
59
80
86
99
N/A
0.00
0.00
0.06
0.00
0.47
0.00
N/A
0.09
0.00
0.05
0.00
0.04
0.00
0.00
44
91
68
86
97
99
N/A
Subtotal
Direct and Indirect Inv
Total
1.20
0.00
1.20
0.70
0.01
0.71
76
95
76
0.98
0.00
0.98
0.82
0.01
0.88
65
95
64
0.79
0.00
0.79
0.76
0.01
0.77
61
95
61
0.69
0.00
0.69
0.52
0.00
0.53
67
91
67
0.53
0.00
0.53
0.24
0.00
0.25
81
91
80
Asset Servicing % Assets
Mortgage Servicing w/ Recourse
Mortgage Servicing w/o Recourse
Other Financial Assets
Total
0.00
0.00
0.00
0.00
0.06
3.21
0.26
4.94
88
70
86
60
0.00
0.00
0.00
0.00
0.05
2.81
0.28
4.50
88
71
86
61
0.00
0.00
0.00
0.00
0.04
2.45
0.30
4.22
89
72
86
63
0.00
0.00
0.00
0.00
0.02
2.23
0.28
3.62
91
73
86
64
0.00
0.00
0.00
0.00
0.02
1.64
0.26
3.01
91
73
87
64
Supplemental:
Loans to Foreign Governments
Loans to Finance Comml Real Est
FDIC Certificate # 4444
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 444444
County: FOUR
BANK FOUR
Analysis of Concentrations of Credit--Page 7B
FOUR, TX
Concentrations of Credit
BANK
45.85
7.59
38.26
61.51
0.11
252.68
27.17
13.56
211.96
88.44
123.52
360.04
12/31/2012
PG 3
41.06
8.79
30.42
157.94
19.91
259.26
21.58
19.45
205.09
101.44
100.47
470.30
PCT
60
54
64
14
11
49
68
45
55
44
65
24
BANK
51.72
11.89
39.83
74.29
0.21
259.43
28.69
4.64
226.10
99.24
126.86
385.44
12/31/2011
PG 3
47.28
9.06
36.14
160.13
22.60
270.93
21.05
19.94
217.93
108.76
105.77
487.11
PCT
61
68
61
19
11
49
68
17
56
47
64
28
BANK
50.60
9.26
41.34
83.18
0.26
257.13
42.26
5.28
209.58
106.40
103.18
390.91
12/31/2010
PG 3
60.61
11.36
46.58
168.53
25.22
282.38
20.82
20.21
228.29
113.46
111.00
524.80
PCT
50
51
53
20
12
44
77
20
47
48
52
23
BANK
54.25
12.10
42.15
90.24
0.40
293.85
43.10
6.02
244.73
116.68
128.04
438.34
12/31/2009
PG 3
84.93
17.91
63.48
180.61
27.49
291.43
19.72
20.53
238.11
118.77
115.86
569.83
PCT
39
45
42
20
11
54
78
21
54
51
60
24
BANK
50.51
5.56
44.95
71.83
0.00
319.36
60.98
1.23
257.15
123.86
133.29
441.71
12/31/2008
PG 3
111.47
29.48
78.35
174.60
26.28
279.58
17.80
17.73
230.43
112.76
112.52
591.13
PCT
28
16
38
15
9
64
86
9
62
59
64
21
0.00
20.61
97.43
35.35
0.94
7.99
0.00
8.69
12.14
0.00
12.26
85.16
19.47
0.40
3.26
0.31
1.80
0.23
94
76
65
81
79
80
99
89
96
0.00
29.49
121.83
44.62
0.94
6.99
0.00
7.23
10.38
0.00
11.88
86.19
20.56
0.41
3.47
0.32
1.73
0.27
94
82
75
86
78
76
99
87
96
0.00
51.64
132.87
55.19
1.06
6.40
0.00
15.55
13.94
0.00
11.30
90.55
23.16
0.47
3.58
0.24
1.98
0.29
94
88
77
87
78
74
99
93
97
0.00
50.55
138.14
92.72
1.11
4.62
0.00
2.87
17.45
0.68
11.06
97.36
26.05
0.50
3.65
0.24
2.08
0.34
95
88
76
93
78
69
99
75
97
0.00
71.28
179.42
121.98
1.46
7.44
0.00
2.68
29.36
0.77
9.98
104.14
27.22
0.48
3.25
0.42
2.31
0.44
95
92
84
95
81
79
99
71
98
0.00
0.00
0.00
0.60
99
73
0.00
0.00
0.00
0.72
99
72
0.00
0.00
0.01
0.79
99
72
0.00
0.00
0.00
0.99
99
70
0.00
0.00
0.04
1.05
99
71
Commercial Real Estate Loans as a % of Total Capital:
Non-owner OCC Commercial Real Estate
182.93
Total Commercial Real Estate
271.36
169.04
274.35
57
50
183.22
282.46
181.87
293.70
54
49
159.07
265.47
202.85
321.04
40
38
188.32
305.00
233.72
356.34
41
41
185.03
308.90
260.09
380.15
34
36
Commercial Real Estate Loans as a % of Total LN&LS:
Construction & Development
8.47
Non-owner OCC Commercial Real Estate
33.79
Total Commercial Real Estate
50.12
6.63
27.35
44.74
67
68
61
8.56
30.32
46.74
7.33
28.33
46.32
62
57
50
7.62
23.94
39.96
8.80
29.52
47.34
49
37
34
7.32
25.40
41.13
11.33
31.41
48.39
36
36
34
5.95
21.80
36.40
14.47
33.71
49.54
22
25
24
Loan & Leases as a % of Total Capital
Construction & Development
1-4 Family Construction
Other Const & Land Development
1-4 Family Residential
Home Equity Loans
Other Real Estate Loans
Farmland
Multifamily
Non-Farm Non-Residential
Owner Occupied Non-Farm Non-Residential
Other Non-Farm Non-Residential
Total Real Estate
Financial Institution Loans
Agricultural Loans
Commercial & Industrial Loans
Loans to Individuals
Credit Card Loans
Municipal Loans
Foreign Office Loans & Leases
All Other Loans
Lease Financing Receivables
Supplemental:
Loans to Foreign Governments
Loans to Finance Commercial Real Estate
FDIC Certificate # 4444
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 444444
County: FOUR
BANK FOUR
Analysis of Past Due, Nonaccrual & Restructured--Page 8
FOUR, TX
PD, Nonacc & Rest Loans-a
BANK
1.40
2.43
3.83
0.46
12/31/2012
PG 3
0.06
2.13
2.28
0.87
PCT
98
65
78
39
BANK
0.74
1.78
2.51
3.38
12/31/2011
PG 3
0.08
2.95
3.10
1.00
PCT
95
43
52
93
BANK
1.66
3.71
5.37
0.70
12/31/2010
PG 3
0.11
3.43
3.61
1.21
PCT
98
63
74
40
BANK
2.64
5.95
8.60
2.87
12/31/2009
PG 3
0.14
3.32
3.55
1.41
PCT
98
79
87
84
BANK
0.00
0.34
0.35
0.23
12/31/2008
PG 3
0.14
2.06
2.29
1.41
PCT
43
19
15
12
LNS Fin Coml RE-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
N/A
N/A
N/A
N/A
0.01
0.93
0.94
0.07
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.84
0.84
0.51
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.02
0.00
0.00
0.17
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.29
0.03
0.05
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.99
0.99
0.00
N/A
N/A
N/A
N/A
Const & Land Dev-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
6.49
6.49
0.00
0.01
5.11
5.33
0.49
90
68
67
56
2.01
6.00
8.01
2.29
0.02
7.78
8.02
0.68
97
56
60
85
2.49
16.69
19.18
0.17
0.06
8.62
8.91
0.91
96
76
78
50
7.74
25.11
32.85
7.86
0.09
8.26
8.58
1.41
99
88
92
93
0.00
0.00
0.00
0.00
0.11
4.60
4.97
1.64
75
26
23
30
1-4 Fam Cons & L Dev-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
0.00
0.00
0.00
0.18
1.49
1.67
0.22
97
76
74
84
0.00
0.00
0.00
0.00
0.25
4.21
4.47
0.25
96
63
62
81
0.00
33.15
33.15
0.95
0.01
6.25
6.54
0.56
93
89
89
80
0.00
43.96
43.96
0.68
0.04
6.93
7.33
1.16
90
94
94
68
0.00
0.00
0.00
0.00
0.08
4.34
4.80
1.66
87
50
46
54
Other Const & Land Dev-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
7.78
7.78
0.00
0.00
5.51
5.72
0.43
91
70
69
61
2.61
7.79
10.40
2.97
0.01
8.07
8.31
0.66
97
60
65
88
3.05
13.00
16.05
0.00
0.03
8.37
8.65
0.79
97
69
74
51
9.97
19.69
29.66
9.92
0.05
8.06
8.35
1.23
99
81
90
94
0.00
0.00
0.00
0.00
0.06
4.12
4.43
1.35
82
37
34
43
Single & Multi Mtg-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
2.16
0.83
2.99
1.56
0.07
1.43
1.59
1.11
99
42
79
68
0.78
1.08
1.86
2.97
0.09
1.92
2.09
1.12
94
44
55
88
1.78
2.40
4.18
1.09
0.11
2.09
2.27
1.29
98
65
78
49
0.57
1.91
2.48
2.77
0.12
1.92
2.13
1.48
88
63
66
79
0.03
0.33
0.36
1.24
0.12
1.11
1.31
1.34
58
35
28
52
Non-Farm Non-Res Mtg-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
1.60
2.43
4.04
0.15
0.03
1.82
1.94
0.63
97
67
79
40
0.46
1.28
1.74
3.90
0.04
2.33
2.44
0.69
93
42
47
93
1.67
1.51
3.19
0.57
0.05
2.45
2.59
0.86
98
46
63
53
2.79
4.06
6.85
0.88
0.07
2.10
2.27
0.95
98
78
88
58
0.00
0.04
0.04
0.00
0.07
1.08
1.24
0.87
73
27
22
19
Own Occ Non-Farm Non-Res-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
3.84
3.91
7.76
0.20
0.01
1.65
1.77
0.63
99
81
92
49
0.32
1.21
1.53
3.51
0.03
2.00
2.11
0.71
91
49
52
91
3.21
1.24
4.46
1.11
0.03
2.11
2.26
0.80
98
51
77
70
3.33
6.41
9.74
1.67
0.05
1.81
1.95
0.91
98
88
94
76
0.00
0.08
0.08
0.00
0.04
0.97
1.11
0.91
82
41
37
33
Other Non-Farm Non-Res-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
1.37
1.37
0.12
0.01
1.66
1.76
0.45
91
61
59
59
0.57
1.33
1.91
4.20
0.01
2.33
2.46
0.48
95
53
56
94
0.09
1.79
1.88
0.00
0.01
2.36
2.49
0.71
90
56
56
48
2.30
1.92
4.22
0.15
0.04
2.03
2.23
0.82
97
62
75
50
0.00
0.00
0.00
0.00
0.05
0.91
1.08
0.69
84
48
43
45
% of Non-Current LN&LS by Loan Type
Real Estate LNS-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
Non-Current LN&LS ($000)
90 Days and Over Past Due
Total Nonaccrual LN&LS
Total Non-Current LN&LS
LN&LS 30-89 Days Past Due
4,150
5,379
9,529
2,517
1,735
4,361
6,096
8,675
3,546
8,271
11,817
3,484
5,797
14,442
20,239
9,931
38
3,280
3,318
1,685
Gtyd LN&LS 90+ Days P/D
Gtyd LN&LS on Nonaccrual
Gtyd LN&LS 30-89 Days P/D
1,860
4,557
236
1,116
3,807
1,490
1,120
5,291
186
3,960
7,172
2,166
0
0
0
Restructured LN&LS 90+ Days P/D
Restructured LN&LS Nonaccrual
Restructured LN&LS 30-89 Days P/D
121
3,136
0
1,114
1,690
0
0
0
0
0
0
0
0
0
0
Current 1-4 Family Restru LN&LS
Current Other Restructured LN&LS
Loans Secured 1-4 RE in Foreclosure
Other Real Estate Owned
1
2,999
0
4,607
8
3,921
0
6,160
0
0
0
4,918
0
0
0
3,996
0
0
0
2,079
FDIC Certificate # 4444
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 444444
County: FOUR
BANK FOUR
Analysis of Past Due, Nonaccrual & Restructured--Page 8A
FOUR, TX
PD, Nonacc & Rest Loans-b
BANK
1.89
0.88
2.77
1.26
12/31/2012
PG 3
0.03
1.11
1.22
0.59
PCT
98
60
79
79
BANK
0.10
0.72
0.82
0.55
12/31/2011
PG 3
0.03
1.58
1.68
0.63
PCT
85
48
48
58
BANK
0.13
0.95
1.08
1.40
12/31/2010
PG 3
0.06
1.73
1.91
0.81
PCT
83
50
49
75
BANK
0.13
1.55
1.69
3.99
12/31/2009
PG 3
0.08
1.54
1.73
1.04
PCT
78
62
61
90
BANK
0.01
4.50
4.52
0.82
12/31/2008
PG 3
0.08
0.87
1.05
1.06
PCT
65
93
92
53
Loans to Individuals-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.59
0.00
0.59
3.19
0.04
0.24
0.36
0.92
94
44
75
90
0.30
0.10
0.40
2.46
0.05
0.32
0.44
1.03
89
51
61
82
0.13
0.09
0.23
1.76
0.06
0.35
0.47
1.16
79
50
48
69
0.10
0.00
0.10
1.62
0.08
0.36
0.51
1.40
74
37
35
62
0.02
0.00
0.02
0.89
0.09
0.28
0.43
1.46
60
40
30
38
Credit Card Plans-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.19
0.00
0.19
1.90
0.25
0.00
0.31
1.03
69
93
65
76
0.38
0.00
0.38
1.70
0.37
0.00
0.49
1.16
72
94
68
71
3.96
0.00
3.96
3.60
0.38
0.00
0.47
1.12
95
94
94
90
1.66
0.00
1.66
3.50
0.47
0.01
0.64
1.49
85
91
82
82
2.61
0.00
2.61
3.61
0.49
0.01
0.64
1.58
92
92
88
82
Lease Financing-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
1.33
0.00
1.33
0.37
0.43
0.02
0.04
0.07
98
89
94
87
0.00
0.00
0.00
4.50
0.11
0.04
0.05
0.04
96
87
86
97
0.00
0.00
0.00
3.22
0.17
0.10
0.15
0.13
95
84
83
96
0.00
6.65
6.65
3.29
0.00
0.18
0.28
0.27
93
95
95
92
0.00
0.00
0.00
1.07
0.01
0.13
0.24
0.35
91
84
81
84
Agricultural LNS-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.92
0.00
0.92
2.25
0.00
0.04
0.06
0.06
99
82
92
97
0.00
0.00
0.00
0.67
0.02
0.06
0.08
0.05
95
81
79
92
0.00
0.00
0.01
0.55
0.00
0.13
0.16
0.10
92
78
76
87
0.00
0.00
0.00
0.31
0.00
0.11
0.16
0.15
91
78
75
80
0.00
0.00
0.00
1.40
0.00
0.03
0.05
0.12
92
83
79
93
Other LN&LS-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.51
0.00
0.51
1.24
0.00
0.07
0.11
0.12
97
79
88
92
0.00
0.00
0.00
0.45
0.00
0.10
0.14
0.11
91
78
73
86
0.00
0.00
0.01
0.85
0.00
0.13
0.19
0.19
89
77
72
87
0.00
0.33
0.33
0.27
0.02
0.15
0.26
0.26
85
84
80
73
0.00
0.00
0.00
1.23
0.01
0.05
0.11
0.22
86
81
73
88
Total LN&LS-90+ Days Past Due
-Nonaccrual
-Total
-30-89 DAYS P/D
1.37
1.77
3.14
0.83
0.07
1.91
2.06
0.90
98
58
76
57
0.51
1.28
1.79
2.55
0.08
2.64
2.79
0.97
92
36
44
90
1.02
2.37
3.39
1.00
0.11
3.06
3.24
1.18
96
51
62
52
1.60
3.97
5.57
2.73
0.15
2.96
3.18
1.42
97
71
80
83
0.01
1.12
1.14
0.58
0.15
1.84
2.07
1.43
37
46
40
26
230.61
16.81
3.97
4.60
1.07
2.06
0.99
0.00
44.82
84.72
9.38
115.05
12.73
3.07
3.20
0.50
1.49
0.91
0.30
0.36
0.91
0.40
85
72
71
73
79
69
61
48
96
99
94
129.62
10.76
4.34
3.55
0.82
1.98
1.16
0.00
64.32
87.30
17.18
139.20
18.53
3.84
4.21
0.57
1.71
1.04
0.40
0.36
0.89
0.34
52
44
65
54
70
63
62
44
97
99
95
245.27
24.44
4.39
4.75
0.00
0.00
0.00
0.00
31.58
63.97
5.34
154.02
23.76
4.52
4.62
0.42
1.35
0.83
0.46
0.06
0.67
0.44
78
65
59
61
50
21
29
43
96
99
91
571.40
42.69
8.30
6.63
0.00
0.00
0.00
0.00
68.31
49.66
21.81
162.11
25.73
4.75
4.27
0.19
0.86
0.58
0.45
0.00
0.40
0.17
97
78
81
76
63
35
42
44
98
99
98
107.21
11.18
1.71
1.85
0.00
0.00
0.00
0.00
0.00
0.00
0.00
137.72
16.79
3.62
2.63
0.02
0.13
0.08
0.26
0.04
0.40
0.16
45
49
27
48
82
62
69
54
93
81
85
% of Non-Current LN&LS by Loan Type
Coml & Indust LNS-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
Other Pertinent Ratios:
Non-Cur LN&LS to-LN&LS Allowance
-Equity Capital
% Total P/D LN&LS-Incl Nonaccrual
Non Curr LNS+OREO to LNS+OREO
Non-Curr Restruct Debt/Gr LN&LS
Curr+Non-Curr Restruct/GR LN&LS
Current Restruct LN&LS
Loans Sec 1-4 Fam RE in Forclosure as % Tota
Gtyd LN&LS 90+ P/D / LN&LS 90+ P/D
Gtyd Nonaccrual LN&LS / Nonaccrual LN&LS
Gtyd LN&LS 30-89 P/D / LN&LS 30-89 P/D
FDIC Certificate # 4444
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 444444
County: FOUR
BANK FOUR
Interest Rate Risk Analysis as a Percent of Assets--Page 9
FOUR, TX
Interest Rate Risk
Long Assets Insts w/Options
Mortgage Loans & Pass Thrus
Loans & Securities Over 15 Years
Loans & Securities 5-15 Years
BANK
8.17
2.53
2.68
12/31/2012
PG 3
18.21
3.64
4.88
PCT
17
52
38
BANK
9.12
3.22
2.68
12/31/2011
PG 3
17.46
3.00
4.81
PCT
22
63
40
BANK
10.64
3.19
3.26
12/31/2010
PG 3
16.57
2.76
3.77
PCT
30
64
55
BANK
12.86
4.20
3.27
12/31/2009
PG 3
16.59
2.90
3.38
PCT
38
70
57
BANK
9.79
3.36
1.93
12/31/2008
PG 3
16.83
2.90
3.35
PCT
26
66
43
Other Loans and Securities
Loans & Securities Over 15 Years
Loans & Securities 5-15 Years
Total Loans & Securities Over 15 Years
68.74
6.87
18.06
9.40
61.89
2.96
12.39
7.43
70
81
77
66
69.03
5.27
15.41
8.48
62.02
2.55
10.80
6.29
72
80
74
69
69.64
3.28
12.14
6.47
63.75
2.25
9.79
5.75
69
69
66
64
70.97
3.68
6.01
7.88
64.59
2.04
9.17
5.64
71
75
33
70
79.35
2.26
4.25
5.62
67.53
1.61
8.64
5.13
84
70
21
64
CMO'S Total
Avg Life Over 3 Years
0.05
0.00
2.37
0.82
35
45
0.63
0.00
2.61
0.91
45
44
1.64
0.02
2.22
0.93
61
49
1.52
0.02
1.91
0.72
63
53
2.86
0.44
1.75
0.73
73
65
Structured Notes
Mortgage Servicing (FV)
Total
3.77
0.00
3.77
0.37
0.02
0.44
94
75
94
6.76
0.00
6.76
0.66
0.02
0.71
95
77
95
2.55
0.00
2.55
0.68
0.02
0.73
87
79
86
1.71
0.00
1.71
0.42
0.01
0.46
86
80
86
0.00
0.00
0.00
0.11
0.01
0.14
74
80
60
18.67
0.00
13.20
19.84
0.66
11.76
50
63
62
19.82
0.00
8.95
19.57
0.68
11.09
55
63
41
17.72
0.00
9.21
17.39
0.70
11.13
56
61
42
15.09
0.00
7.34
15.61
0.97
11.41
55
59
26
9.80
0.00
10.29
14.66
1.11
13.61
34
56
33
0.00
0.00
0.02
0.19
71
71
0.00
0.00
0.02
0.19
72
72
0.00
0.00
0.00
0.05
77
77
0.00
0.00
0.01
0.13
71
71
0.00
0.00
0.00
0.02
76
76
Contractual Mat/Reprice Data
Loans/Securities Over 3 Year
Liabilities Over 3 Year
Net Over 3 Year Position
40.51
0.78
39.73
41.92
3.66
37.84
46
19
54
37.08
0.41
36.68
37.91
3.70
33.74
48
14
57
33.04
0.36
32.68
35.44
3.51
31.42
43
15
53
34.15
0.51
33.65
35.98
3.08
32.40
44
22
52
31.32
1.76
29.56
35.26
3.29
31.43
39
42
44
Loans/Securities Over 1 Year
Liabilities Over 1 Year
Net Over 1 Year Position
53.78
4.38
49.41
59.48
11.72
47.04
31
15
54
55.22
3.99
51.24
58.44
12.31
45.50
39
12
63
53.11
6.62
46.49
56.23
13.37
42.19
38
23
58
55.80
8.67
47.12
55.19
12.14
42.31
50
37
61
52.76
7.19
45.58
53.66
12.14
40.80
46
32
61
55.76
137.65
-15.25
54.69
143.32
-12.57
51
55
43
50.00
134.83
-12.91
50.55
148.54
-12.28
48
52
48
44.73
135.36
-11.69
46.18
148.36
-10.34
45
53
46
40.36
118.18
-6.21
43.10
134.32
-6.96
43
48
51
40.61
129.69
-9.30
39.55
124.50
-4.19
56
61
38
36.48
0.00
36.48
3.93
0.25
4.66
93
75
93
73.39
0.00
73.39
7.46
0.20
8.15
95
77
95
28.20
0.00
28.20
7.87
0.19
8.58
85
79
85
18.75
0.00
18.75
5.17
0.16
5.66
85
80
84
0.00
0.00
0.00
1.24
0.11
1.63
74
80
60
Overall Risk Indicators
Available for Sale
Held to Maturity
Off Balance Sheet
Unrealized Appreciation/Depreciation
Unrealized App/Dep % Tier One Cap
Non-Maturity Deposits
Non-Maturity Deps % Long Assets
Net Over 3 Year Position
As % Tier 1 Capital
Structured Notes
Mortgage Servicing (FV)
Total
FDIC Certificate # 4444
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 444444
County: FOUR
BANK FOUR
Liquidity & Funding--Page 10
FOUR, TX
Liquidity & Funding
Percent of Total Deposits
Individ, Partnerships, and Corp.
U.S. Govt, States & Political Sub in U.S.
Comml Banks & Other Dep Inst. in U.S.
Banks in Foreign Countries
Foreign Govts and Official Inst.
Total deposits
BANK
88.71
11.29
0.00
0.00
0.00
100.00
12/31/2012
PG 3
90.78
7.41
0.90
0.08
0.00
100.00
PCT
35
73
35
98
99
99
BANK
89.74
10.17
0.10
0.00
0.00
100.00
12/31/2011
PG 3
90.63
7.45
0.90
0.08
0.04
100.00
PCT
41
67
53
98
98
99
BANK
90.84
9.00
0.16
0.00
0.00
100.00
12/31/2010
PG 3
90.65
7.19
1.04
0.07
0.00
100.00
PCT
46
63
57
98
98
98
BANK
89.78
10.10
0.12
0.00
0.00
100.00
12/31/2009
PG 3
91.00
6.99
0.97
0.11
0.00
100.00
PCT
39
70
52
98
98
98
BANK
93.17
6.51
0.32
0.00
0.00
100.00
12/31/2008
PG 3
91.38
6.91
0.76
0.21
0.00
100.00
PCT
54
52
65
97
97
99
Domestic Demand Deposits
Domestic Other Transaction Accts
Domestic Nontransaction Accts
Total Domestic Deposits
Deposits in Foreign Offices
Total Deposits
23.89
19.55
56.56
100.00
0.00
100.00
11.81
7.69
79.60
99.90
0.10
100.00
88
91
8
99
99
99
23.99
14.40
61.61
100.00
0.00
100.00
10.12
6.91
82.20
99.90
0.10
100.00
92
83
8
99
99
99
21.26
12.67
66.07
100.00
0.00
100.00
8.62
6.17
84.58
99.86
0.14
100.00
94
83
8
99
99
99
17.23
14.09
68.68
100.00
0.00
100.00
7.87
5.76
85.83
99.87
0.13
100.00
92
89
7
99
98
99
17.51
9.50
72.99
100.00
0.00
100.00
7.72
4.94
86.85
99.76
0.24
100.00
93
83
10
99
98
99
Liquidity/Funding Ratios
Net Non Core Fund Dep $250M
Net Non Core Fund Dep $100M
Core Deposits
Short Term Non Core Funding
S.T Inv to S.T. Ncore Fund
S.T. Asset to S.T. Liabilities
Net S.T. Liabilities to Assets
Net Loans & Leases to Deposits
Net LN&LS to Core Deposits
Brkr Dep Mat < 1 Yr to Brkr Deps
Brokered Deposits to Deposits
Listing Service Dep to Deposits
List Service and Brkrd Dep to Deps
Sec Bor + sec FFP to Tot Bor + FFP
Recip Brkrd Dep to Tot Brkrd Dep
-10.50
4.21
82.32
4.92
284.74
107.17
-2.02
67.18
72.04
100.00
1.09
0.00
1.09
0.00
100.00
3.45
14.16
77.52
6.75
178.23
125.55
-2.92
73.97
81.04
55.89
2.26
0.66
3.40
0.52
19.76
14
23
71
40
75
48
50
32
31
99
57
74
51
88
99
-3.42
12.22
79.63
9.08
139.74
87.70
4.37
67.75
74.68
87.51
2.32
0.00
2.32
0.00
100.00
5.83
17.50
76.18
7.65
139.60
108.13
0.23
75.10
83.28
59.26
2.73
0.74
4.10
0.26
20.00
21
34
62
68
64
43
60
30
33
57
63
74
57
89
99
5.96
21.81
77.33
21.90
37.64
68.61
12.24
75.03
83.59
90.07
3.33
N/A
N/A
0.00
100.00
9.12
21.27
74.51
16.05
49.93
97.31
2.57
78.86
89.29
63.64
3.79
0.00
0.00
1.27
18.68
40
51
56
77
49
32
74
37
39
61
60
N/A
N/A
76
99
26.63
26.63
62.54
20.76
18.85
57.85
17.08
87.38
115.35
100.00
0.24
N/A
N/A
0.00
100.00
26.41
25.39
60.92
19.03
36.40
84.67
6.48
82.64
114.99
68.03
5.23
0.00
0.00
1.04
15.74
50
52
52
60
35
28
78
59
55
99
35
N/A
N/A
78
99
30.55
30.55
61.88
24.18
4.00
50.43
21.17
95.63
132.09
100.00
2.12
N/A
N/A
0.00
N/A
31.66
30.37
57.46
21.29
20.69
78.34
8.68
89.27
129.05
71.00
6.76
0.00
0.00
1.68
0.00
48
51
59
65
23
24
82
64
60
99
45
N/A
N/A
76
N/A
Total Deposits
Individ, Partnerships, and Corp.
U.S. Govt, States & Political Sub in U.S.
Comml Banks & Other Dep Inst. in U.S.
Banks in Foreign Countries
Foreign Govts and Official Inst.
Total Deposits
394,484
50,188
0
0
0
444,672
443,162
50,209
483
0
0
493,854
415,064
41,111
730
0
0
456,905
368,152
41,394
496
0
0
410,042
279,724
19,546
967
0
0
300,237
Domestic Demand Deposits
Domestic Other Transaction Accts
Domestic Nontransaction Accts
Total Domestic Deposits
Deposits in Foreign Offices
Total Deposits
106,210
86,938
251,524
444,672
0
444,672
118,495
71,093
304,266
493,854
0
493,854
97,158
57,889
301,858
456,905
0
456,905
70,666
57,766
281,610
410,042
0
410,042
52,580
28,516
219,141
300,237
0
300,237
Other Liquidity/Funding Data
Non Core Liabilities $250M
Non Core Liabilities $100M
Short Term Non Core Funding
Core Deposits
Time Deps $250M & Under Mat < 1 Yr
Time Deps $250M & Under Mat > 1 Yr
Time Deps over $250M Mat < 1 Yr
Time Deps over $250M Mat > 1 Yr
Fed Home Loan Bor Mat < 1 Yr
Fed Home Loan Bor Mat > 1 Yr
Other Borrowing Mat < 1 Year
Other Borrowing Mat > 1 Year
Secured Other Borrowings
Federal Funds Purchased
Secured Fed Funds Purchased
Listing Service Deposits
Brokered Deposits
Reciprocal Brokered Deposits
30,138
86,730
24,771
414,703
121,870
16,804
19,909
5,201
4
166
0
0
0
0
0
0
4,858
4,858
56,152
126,005
51,103
448,049
158,703
19,501
31,008
3,330
10,061
287
0
0
0
0
0
0
11,466
11,466
69,890
139,462
116,127
410,129
N/A
N/A
N/A
N/A
12,500
10,614
0
0
0
0
0
N/A
15,206
15,206
135,379
135,379
103,084
310,606
N/A
N/A
N/A
N/A
12,500
23,443
0
0
0
0
0
N/A
1,000
1,000
101,235
101,235
84,944
217,360
N/A
N/A
N/A
N/A
12,591
5,767
0
0
0
0
0
N/A
6,362
N/A
FDIC Certificate # 4444
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 444444
County: FOUR
BANK FOUR
Liquidity & Investment Portfolio--Page 10A
FOUR, TX
Liquidity & Inv Portfolio
BANK
14.00
0.86
59.57
65.42
12/31/2012
PG 3
7.87
0.03
62.74
27.24
PCT
81
97
39
94
BANK
12.69
0.73
59.59
62.73
12/31/2011
PG 3
7.44
0.02
63.30
27.92
PCT
78
97
36
93
BANK
8.24
0.00
64.85
65.57
12/31/2010
PG 3
6.89
0.02
66.26
28.72
PCT
64
72
43
93
BANK
3.91
0.00
72.31
14.91
12/31/2009
PG 3
5.95
0.03
68.69
25.10
PCT
39
71
59
34
BANK
0.97
0.00
81.91
N/A
12/31/2008
PG 3
3.70
0.03
72.11
0.00
PCT
24
68
80
N/A
Securities Mix
% Total Securities
US Treas & Govt Agencies
Municipal Securities
Pass-Through Mtg Backed Secs
CMO & REMIC Mtg Backed Secs
Commercial Mtg Back Secs
Asset Backed Securities
Structured Financial Products
Other Domestic Debt Secs
Foreign Debt Securities
Inv Mut Fnd & Oth Mktbl
Total
81.95
3.61
9.56
0.27
0.00
0.00
0.00
0.00
0.00
4.61
100.00
23.59
23.79
22.76
11.28
0.18
0.03
0.01
1.43
0.00
0.17
100.00
93
21
32
35
84
91
92
62
93
96
99
78.24
3.30
11.61
3.17
0.00
0.00
0.00
0.00
0.00
3.67
100.00
24.67
21.29
23.55
12.73
0.07
0.22
0.01
1.22
0.18
0.13
100.00
92
22
35
44
87
95
91
65
96
95
99
65.23
7.91
17.58
9.28
0.00
0.00
0.00
0.00
0.00
0.00
100.00
28.80
20.67
21.01
11.97
0.03
0.20
0.01
0.99
0.09
0.15
100.00
83
32
50
59
89
96
90
67
97
71
99
41.05
17.68
31.20
10.07
0.00
0.00
0.00
0.00
0.00
0.00
100.00
28.68
19.86
23.14
11.13
0.02
0.10
0.01
0.99
0.07
0.19
100.00
66
47
63
63
90
96
90
65
97
70
99
16.86
23.24
30.74
29.17
N/A
0.00
N/A
0.00
0.00
0.00
100.00
26.94
19.68
25.46
10.51
0.00
0.00
0.00
1.37
0.04
0.27
100.00
42
57
58
81
N/A
93
N/A
58
96
68
99
Liquidity/Securities Ratios:
App (Dep) Hi Risk & Struc/T1 Cap
App (Dep) in AFS sec to AFS Sec
App (Dep) in HTM Sec to HTM Sec
App (Dep) in HTM Sec to Eqy Cap
Pledged Securities to Tot Sec
Pledged Loans to Total Loans
Loans Held for Sale to Total Loans
-0.02
4.69
N/A
0.00
78.80
84.34
0.14
0.01
2.17
2.86
0.18
42.48
26.06
0.55
6
91
N/A
71
88
93
53
-0.03
4.44
N/A
0.00
62.96
83.34
0.03
0.02
2.05
2.64
0.18
44.86
26.00
0.37
6
92
N/A
72
73
92
50
-0.63
-0.13
N/A
0.00
73.08
80.27
0.01
-0.05
0.36
1.08
0.05
48.81
26.15
0.37
7
35
N/A
77
78
92
50
0.00
1.08
N/A
0.00
98.81
0.00
0.08
-0.03
1.06
1.48
0.13
53.41
20.35
0.22
85
47
N/A
71
97
36
61
0.00
1.68
N/A
0.00
72.17
N/A
0.00
0.01
0.47
0.04
0.02
59.44
0.00
0.16
81
73
N/A
76
63
N/A
58
Percent of Total Assets
Short Term Investments
Marketable Equity Sec (MES)
Net LN&LS & SBLC to Assets
Pledged Assets
Short Term Investments
Short Term Assets
Debt Securities 90+ Days P/D
Total Non-Current Debt Sec
Fair Value Structured Notes
Pledged Securities
Pledged Loans & Leases
Loans Held for Sale
70,532
151,955
0
0
18,989
74,130
255,464
411
71,412
175,197
0
0
37,999
70,204
282,769
86
43,711
141,881
0
0
13,197
68,698
279,054
45
19,433
116,419
0
0
8,486
74,051
0
306
3,401
75,656
0
0
0
24,838
N/A
0
FDIC Certificate # 4444
OCC Charter # 0
Public Report
Capital Ratios
Percent of Bank Equity:
Net Loans & Leases (x)
Subord Notes & Debentures
Long Term Debt
Com RE & Related Ventures
Percent of Average Bank Equity:
Net Income
Dividends
Retained Earnings
Other Capital Ratios:
Dividends to Net Operating Income
Bank Eq Cap + Min Int to Assets
Growth Rates:
Total Equity Capital
Equity Growth Less Asst Growth
Intang Assets % Bank Equity
Mortgage Servicing Rights
Goodwill
Purch Credit Card Relations
All Other Intangibles
Total Intangibles
Risk-Based Capital
Tier One RBC to Risk-Wgt Assets
Total RBC to Risk-Weight Assets
Tier One Leverage Capital
Other Capital Ratio:
Def Tax Asset to T1 Cap
End of Period Capital ($000)
Perpetual Preferred
+ Common Stock
+ Surplus
+ Undivided Profits
+ Accum Other Comp Income
+ Other Equity Capital Comp
Total Bank Equity Capital
Minority Interest Cons Subs
Total Bank Capital & Min Int
Subordinated Notes & Debentures
Changes in Bank Equity ($000)
Balance at Beginning of Period
+ Net Income
+ Sales or Purchase of Capital
+ Merger & Absorptions
+ Restate due to Acctg Error&Chg
+ Trans with Parent
- Dividends
+ Other Comprehensive Income
Balance at End of Period
Intangible Assets
Mortgage Servicing Rights
+ Purch Credit Card Relations.
+ Other Intangibles
+ Goodwill
Total Intangibles
FRB District/ID_RSSD 11 / 444444
County: FOUR
BANK FOUR
Capital Analysis--Page 11
FOUR, TX
Capital Analysis-a
BANK
12/31/2012
PG 3
PCT
BANK
12/31/2011
PG 3
PCT
BANK
12/31/2010
PG 3
PCT
BANK
12/31/2009
PG 3
PCT
BANK
12/31/2008
PG 3
PCT
5.27
0.00
0.00
262.49
6.18
0.31
0.31
262.72
31
96
96
52
5.90
0.00
0.00
286.09
6.37
0.69
0.69
285.38
42
95
95
54
7.09
0.00
0.00
291.81
7.04
0.73
0.73
324.95
51
95
95
47
7.56
0.00
0.00
316.15
7.61
0.00
0.00
360.50
49
94
94
44
9.67
0.00
0.00
361.41
7.92
0.01
0.01
380.71
77
94
94
48
9.70
9.21
0.49
8.67
3.47
4.49
59
84
16
12.36
4.98
7.38
6.29
2.88
2.74
78
73
77
16.01
10.76
5.25
3.92
2.49
0.71
91
92
65
11.44
5.28
6.16
0.32
2.81
-3.13
80
75
80
12.36
13.86
-1.50
5.52
4.46
0.24
77
92
30
94.98
11.26
35.24
10.32
91
71
40.31
10.07
33.98
10.15
55
52
67.21
9.11
34.06
9.61
79
42
46.15
9.55
48.53
9.23
46
59
112.13
8.45
58.25
9.25
84
39
0.04
10.51
6.41
0.74
12
88
17.24
11.15
8.64
3.84
81
78
1.97
-4.83
2.73
0.46
37
25
59.69
18.30
4.92
-0.72
97
90
-1.95
-7.21
4.57
-4.33
23
34
0.00
0.23
0.00
0.00
0.23
0.22
1.98
0.05
0.28
3.07
75
63
96
64
42
0.00
0.23
0.00
0.01
0.24
0.17
2.18
0.04
0.32
3.25
77
63
96
65
43
0.00
0.26
0.00
0.07
0.34
0.16
2.18
0.02
0.38
3.40
79
65
97
67
46
0.00
0.27
0.00
0.14
0.41
0.13
2.30
0.02
0.45
3.50
80
65
97
68
49
0.00
0.43
0.00
0.17
0.60
0.09
3.38
0.02
0.56
4.58
80
61
97
67
49
16.76
18.00
10.25
14.42
15.63
9.67
77
77
67
14.78
16.02
9.01
13.92
15.18
9.40
64
64
44
13.44
14.69
8.96
13.00
14.27
9.02
62
62
50
13.16
14.19
8.97
11.90
13.17
8.66
71
69
59
11.16
12.27
9.14
11.40
12.60
8.75
56
54
65
0.00
1.53
45
0.00
1.61
46
0.00
2.39
39
0.00
2.49
40
0.00
2.55
36
0
1,000
42,500
11,208
1,992
0
56,700
0
56,700
0
1,000
42,500
10,932
2,243
0
56,675
0
56,675
0
1,000
42,500
7,037
-2,194
0
48,343
0
48,343
0
1,000
42,500
4,446
-538
0
47,408
0
47,408
0
1,000
28,200
2,080
-1,593
0
29,687
0
29,687
0
0
0
0
0
56,675
5,522
0
0
0
0
5,245
-252
56,700
48,343
6,524
0
0
0
0
2,630
4,438
56,675
47,408
7,902
0
0
0
0
5,311
-1,656
48,343
29,687
4,394
0
0
0
14,300
2,028
1,055
47,408
30,278
3,718
0
0
0
0
4,169
-140
29,687
0
0
0
128
128
0
0
8
128
136
0
0
36
127
163
0
0
67
128
195
0
0
51
128
179
FDIC Certificate # 4444
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 444444
County: FOUR
12/31/2012
Risk Based Capital ($000)
Tier One Capital
Total Equity Capital Adjusted
- Ineligible Def Tax Assets
- Ineligible Intangibles
- Cumul Change F.V. Financial Liab
Net Tier One
BANK FOUR
Capital Analysis--Page 11A
12/31/2011
FOUR, TX
12/31/2010
Capital Analysis-b
12/31/2009
12/31/2008
52,208
0
128
0
52,080
51,932
0
135
0
51,797
48,037
0
163
0
47,874
45,446
0
195
0
45,251
31,280
0
179
0
31,101
0
0
3,864
0
0
3,864
0
0
4,349
0
0
4,349
0
0
4,455
0
0
4,455
0
0
3,542
0
0
3,542
0
0
3,096
0
0
3,096
Total RBC Before Deductions
Tier One & Tier Two
Tier Three & Fin Sub Adj
- Deductions for Total RBC
Total Risk-Based-Capital
55,944
0
0
55,944
56,146
0
0
56,146
52,329
0
0
52,329
48,793
0
0
48,793
34,197
0
0
34,197
Risk-Weighted Assets
On-Balance Sheet
Category Two - 20%
Category Three - 50%
Category Four - 100%
Total On-Balance Sheet
Memo: Category One - 0%
21,602
16,068
270,967
308,637
92,454
27,162
19,527
300,660
347,349
86,947
25,062
20,479
305,700
351,242
63,077
26,070
20,794
295,119
341,983
32,109
11,546
13,122
253,200
277,868
16,414
Off-Balance Sheet
Category Two - 20%
Category Three - 50%
Category Four - 100%
Total Off-Balance Sheet
Memo: Category One - 0%
0
0
2,320
2,320
0
0
0
3,365
3,365
0
0
0
5,178
5,178
0
0
0
1,830
1,830
0
0
0
637
637
0
310,957
268
0
0
310,690
350,714
354
0
0
350,361
356,420
363
0
0
356,058
343,813
0
0
0
343,813
278,505
0
0
0
278,506
Tier Two Capital
+ Qualif Debt and Redeem Pfd
+ Cumulative Preferred Stock
+ Allowable LN&LS Loss Allow
+ Unrl Gain Mktbl Eqy Sec (45%)
+ Other Tier 2 Capital Comp
Net Eligible Tier Two
Adjustments to Risk-Wgt Assets
Risk-Weighted Asset Before Ded
- Excess Allowable LN&LS Loss Al
- Allocated Transfer Risk Reserve
+ Mkt Risk Asset & Fin Sub Adj
Total Risk-Weighted Assets
FDIC Certificate # 4444
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 444444
County: FOUR
BANK FOUR
One Quarter Annualized Income Analysis--Page 12
FOUR, TX
Income Statement 1-Qtr-Ann
BANK
12/31/2012
PG 3
PCT
BANK
9/30/2012
PG 3
PCT
BANK
6/30/2012
PG 3
PCT
BANK
3/31/2012
PG 3
PCT
BANK
12/31/2011
PG 3
PCT
4.32
0.32
4.00
1.00
4.10
0.34
0.56
0.00
0.56
0.54
0.49
0.00
0.37
0.54
4.12
0.59
3.52
0.83
3.01
0.31
1.11
0.05
1.19
0.88
0.80
0.00
0.79
0.88
63
17
79
67
87
64
23
63
20
27
29
98
18
27
4.30
0.40
3.89
0.75
5.02
-0.07
-0.31
1.01
0.70
0.68
0.55
0.00
0.47
0.68
4.22
0.64
3.57
0.79
2.92
0.27
1.24
0.05
1.33
0.97
0.96
0.00
0.88
0.97
55
20
71
53
95
2
7
98
20
31
25
98
19
31
4.22
0.49
3.72
1.44
4.21
-0.16
1.11
0.00
1.11
1.09
0.98
0.00
0.73
1.09
4.26
0.69
3.56
0.75
2.90
0.29
1.17
0.06
1.26
0.92
0.92
0.00
0.83
0.92
46
26
60
87
92
1
44
52
40
63
52
98
40
63
4.13
0.52
3.62
2.13
4.14
-0.04
1.65
0.04
1.69
1.66
1.52
0.00
1.12
1.66
4.30
0.74
3.56
0.75
2.89
0.29
1.18
0.05
1.27
0.92
0.97
0.00
0.83
0.92
36
24
53
94
93
2
72
71
70
85
79
98
71
85
4.31
0.66
3.65
1.66
4.06
0.24
1.02
0.00
1.02
0.99
0.86
0.00
0.67
0.99
4.41
0.80
3.61
0.70
2.98
0.52
0.83
0.03
0.87
0.61
0.55
0.00
0.55
0.61
42
34
52
92
88
38
47
58
45
64
52
98
44
64
Margin Analysis:
Int Inc (TE) to Avg Earn Assets
Int Expense to Avg Earn Assets
Net Int Inc-TE to Avg Earn Assets
4.74
0.35
4.39
4.44
0.64
3.79
69
17
84
4.74
0.45
4.30
4.53
0.69
3.84
62
21
77
4.63
0.54
4.09
4.57
0.74
3.83
52
27
66
4.53
0.57
3.96
4.64
0.79
3.83
42
25
59
4.74
0.72
4.02
4.76
0.86
3.89
49
35
59
Loan & Lease Analysis:
Net Loss to Average Total LN&LS
Earnings Coverage of Net Loss (X)
LN&LS Allowance to Net Losses (X)
0.64
2.27
2.11
0.58
9.22
5.56
67
40
40
0.09
-7.70
15.17
0.45
9.66
5.59
34
12
79
-0.09
-18.36
-15.53
0.48
6.42
4.70
5
11
10
0.19
15.12
7.25
0.39
4.42
4.15
48
73
65
0.64
3.30
2.17
0.91
6.74
4.38
54
54
47
125.99
-1.25
45.22
2.07
85
25
64.08
2.23
19.38
6.03
86
20
83.17
1.77
24.61
4.94
88
23
104.82
-0.83
19.75
5.72
95
11
104.17
-0.42
30.72
0.92
87
30
6.73
6.69
6.58
7.05
6.47
6.27
8.37
18.25
6.43
N/A
1.49
1.47
1.05
4.73
1.38
0.31
N/A
5.57
5.55
5.49
5.45
5.54
5.68
7.20
9.84
5.00
0.00
2.52
2.19
1.63
2.02
3.18
0.31
0.18
93
93
92
90
88
74
73
89
77
N/A
12
14
24
96
5
65
N/A
6.71
6.70
6.77
7.12
6.69
6.13
7.15
18.08
6.05
N/A
1.61
1.57
1.11
4.11
1.86
0.30
0.00
5.64
5.62
5.57
5.52
5.61
5.74
7.27
9.00
5.06
0.00
2.65
2.32
1.71
2.27
3.22
0.31
0.18
93
93
93
91
91
69
50
90
66
N/A
11
14
25
92
9
65
31
6.58
6.57
6.41
6.99
6.27
6.15
8.11
19.18
6.32
N/A
1.77
1.76
1.32
4.09
2.97
0.28
0.00
5.66
5.64
5.59
5.57
5.60
5.78
7.24
9.11
5.01
0.00
2.79
2.46
1.82
2.44
3.35
0.30
0.20
91
91
90
89
85
69
70
90
76
N/A
12
14
30
92
31
58
27
6.58
6.54
6.36
7.14
6.18
6.32
8.37
18.38
6.37
N/A
2.02
1.98
1.55
4.19
2.80
0.27
0.00
5.71
5.69
5.63
5.62
5.66
5.80
7.34
9.84
5.18
0.00
2.93
2.59
1.90
2.62
3.46
0.29
0.15
91
90
88
91
81
74
73
89
73
N/A
15
19
37
91
23
65
32
6.77
6.72
6.78
4.89
7.26
5.86
8.30
17.11
6.37
N/A
1.92
1.90
1.49
3.90
1.30
0.28
0.00
5.82
5.80
5.75
5.74
5.77
5.92
7.58
9.38
5.28
0.00
3.01
2.69
2.00
2.77
3.61
0.32
0.18
92
91
91
19
94
54
69
86
69
N/A
12
14
31
85
3
55
30
Total Interest Bearing Deposits
Transaction accounts
Other Savings Deposits
Time Deps Over $100M
All Other Time Deposits
Foreign Office Deposits
0.48
0.22
0.18
0.77
0.75
N/A
0.69
0.28
0.32
1.16
1.18
0.24
24
48
27
18
16
N/A
0.58
0.23
0.19
0.89
0.93
N/A
0.74
0.30
0.34
1.22
1.24
0.24
31
50
25
23
24
N/A
0.63
0.25
0.25
0.98
0.94
N/A
0.79
0.31
0.37
1.29
1.30
0.18
33
48
35
26
21
N/A
0.70
0.28
0.26
1.04
1.08
N/A
0.84
0.33
0.39
1.36
1.39
0.28
35
53
33
25
24
N/A
0.82
0.29
0.30
1.26
1.19
N/A
0.92
0.37
0.43
1.45
1.51
0.19
40
50
35
37
25
N/A
Federal Funds Purchased & Repos
Other Borrowed Money
Subord Notes & Debentures
All Interest-Bearing Funds
N/A
4.44
N/A
0.48
0.52
2.57
5.23
0.77
N/A
88
N/A
19
N/A
3.69
N/A
0.59
0.52
2.83
5.83
0.82
N/A
70
N/A
26
N/A
3.74
N/A
0.72
0.55
2.84
5.15
0.88
N/A
72
N/A
32
0.00
3.72
N/A
0.78
0.54
2.91
4.71
0.93
17
71
N/A
35
0.00
3.63
N/A
0.96
0.60
2.73
5.01
1.02
16
67
N/A
44
Earnings and Profitability
Percent of Average Assets:
Interest Income (TE)
- Interest Expense
Net Interest Income (TE)
+ Noninterest Income
- Noninterest Expense
- Provision: Loan & Lease Losses
Pretax Operating Income (TE)
+ Realized Gains/Losses Sec
Pretax Net Operating Income (TE)
Net Operating Income
Adjusted Net Operating Income
Net Inc Attrib Min Ints
Net Income Adjusted Sub S
Net Income
Capitalization
Cash Dividends to Net Income
Retain Earns to Avg Total Equity
Yield on or Cost of:
Total Loan & Leases (TE)
Loans in Domestic Offices
Real Estate
Secured by 1-4 Fam Resi Prop
All Other Loans Sec Real Estate
Commercial & Industrial
Individual
Credit Card
Agricultural
Loans in Foreign Offices
Total Investment Securities (TE)
Total Investment Securities (Book)
US Treas & Agency (Excl MBS)
Mortgage Backed Securities
All Other Securities
Interest-Bearing Bank Balances
Federal Funds Sold & Resales
FDIC Certificate # 4444
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 444444
County: FOUR
BANK FOUR
Securitization & Asset Sale Activities--Page 13
FOUR, TX
Securitization & Asset Sale-a
Percent Change
1 Quarter
1 Year
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
N/A
N/A
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
0.00
N/A
N/A
Asset Backed Comml Paper Conduits
CR Exp Spons by Bank & Other
Liquid Comm by Bank & Other
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
Activity % Total Assets
Securitization Activities
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Asset Backed Comml Paper Conduits
Cr Exp Spons by Bank & Other
Liquid Comm by Bank & Other
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
11.32
0.02
0.17
6.35
17.97
64.17
12.23
0.04
0.16
7.21
20.10
60.27
12.44
0.04
0.16
8.12
19.94
59.30
12.06
0.05
0.15
12.30
18.55
56.88
8.41
0.00
0.17
14.11
21.01
56.29
Securitization Activities
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
12/31/2012
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12/31/2011
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12/31/2010
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12/31/2009
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12/31/2008
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Retained Interest-Only Strips
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Retained Credit Enhancements
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Unused Liquidity Commitments
0.00
0.00
Sellers Interest in Secs & Loans
Home Equity Lines
Credit Card Receivables
Commercial & Industrial Loans
0.00
0.00
0.00
0.00
Total Retained Credit Exposure
Percent of Tot Managed Assets on
Balance Sheet & Sec Assets
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
FDIC Certificate # 4444
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 444444
County: FOUR
BANK FOUR
Securitization & Asset Sale Activities--Page 13A
12/31/2012
FOUR, TX
12/31/2010
Securitization & Asset Sale-b
12/31/2009
12/31/2008
% Tot Securitization Act by Type
Retained Int Only Strips
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Retained Credit Enhancement
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Unused Comm to Provide Liquidity
Sellers Int in Secs & LNS % Trust
Home Equity Lines
Credit Card Receivables
Commercial & Industrial Loans
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Percent of Tier 1 Capital
Total Retained Credit Exposure
Retained Interest-Only Strips
Retained Credit Enhancements
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
30-89 Day PD Securitized Assets
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Total 30-89 Day PD Secur Assets
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
90+ Days PD Securitized Assets
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Total 90+ Days PD Secur Assets
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Total Past Due Securitized Assets
0.00
0.00
0.00
0.00
0.00
Net Losses Securitized Assets
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Total Net Charge Off Secur Asset
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
FDIC Certificate # 4444
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 444444
County: FOUR
12/31/2012
BANK FOUR
Securitization & Asset Sale Activities--Page 13B
12/31/2011
FOUR, TX
12/31/2010
Securitization & Asset Sale-c
12/31/2009
12/31/2008
30-89 Day PD Securitized Assets %
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Total 30-89 Days PD Secur Asset
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
90+ Day PD Securitized Assets %
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Total 90+ Day PD Secur Asset
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total PD Securitized Asets %
N/A
N/A
N/A
N/A
N/A
Net Losses on Securitized Assets%
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Net Losses on Securitized Assets
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
30-89 DAY PD managed assets %
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Commercial & Industrial Loans
All Other Loans and Leases
Total 30-89 Day PD Manage Asset
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
90+ DAY PD MANAGED ASSETS %
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Commercial & Industrial Loans
All Other Loans and Leases
Total 90+ Day PD Manage Asset
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Past Due Managed Assets %
N/A
N/A
N/A
N/A
N/A
Net Losses on Managed Assets %
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Commercial & Industrial Loans
All Other Loans and Leases
Net Losses on Managed Assets
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
FDIC Certificate # 4444
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 444444
County: FOUR
12/31/2012
%Total
18.75
14.76
2.24
2.04
7.94
52.97
1.26
0.03
100.00
%MGD
99
2
100
79
100
89
100
100
79
9/30/2012
%Total
16.30
13.97
2.01
1.98
7.46
56.96
1.19
0.13
100.00
%MGD
99
2
100
80
100
89
100
100
79
N/A
8.95
N/A
17
N/A
8.50
N/A
17
(#)
78
8
1
44
162
132
4
18
447
901
N/A
562
%Total
17.45
1.79
0.22
9.84
36.24
29.53
0.89
4.03
100.00
%MGD
95
13
100
70
100
76
100
100
87
%Total
15.18
1.95
0.22
9.33
35.79
30.37
0.87
6.29
100.00
%MGD
94
11
100
72
100
78
100
100
88
N/A
5
(#)
70
9
1
43
165
140
4
29
461
858
N/A
575
N/A
125.73
N/A
124.73
'($000)'
343
17
0
74
892
445
28
0
30
0
1,829
1,190
0
0
639
N/A
%FID IN
18.75
0.93
0.00
4.05
48.77
24.33
1.53
0.00
1.64
0.00
100.00
65.06
0.00
0.00
34.94
N/A
24.77
%Change
13
55
N/A
10
9
7
22
N/A
7
N/A
10
4
N/A
N/A
22
N/A
'($000)'
255
11
0
55
645
334
21
0
22
0
1,343
N/A
N/A
N/A
N/A
N/A
Bank
0.52
0.03
0.00
1.03
3.21
0.24
0.00
0.52
0.04
N/A
TRST304
0.69
0.38
0.33
0.55
5.42
0.58
8.14
0.58
0.16
0.00
PCT
28
7
17
94
80
11
43
38
17
N/A
'($000)'
0
0
0
0
0
0
0
0
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
0
0
0
0
0
0
0
0
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Fiduciary and Related Assets
Personal Trust and Agency
Employee Benefit DC
Employee Benefit DB
Other EB & Retirement-Related
Corporate Trust and Agency
Inv Mgmt & Inv Advisory Agency
Foundation & Endowment Trust & Agency
Other Fiduciary
Total Fiduciary Assets
Custody and Safekeeping
Memo: Accts in Foreign Offices
Memo: IRA, HSA & Other
'($000)'
65,642
51,681
7,840
7,158
27,792
185,422
4,413
119
350,067
82,575
N/A
31,321
Total Fiduciary and Related Accounts
Personal Trust and Agency
Employee Benefit DC
Employee Benefit DB
Other EB & Retirement-Related
Corporate Trust and Agency
Inv Mgmt & Inv Advisory Agency
Foundation & Endowment Trust & Agency
Other Fiduciary
Total Number of Accounts
Custody and Safekeeping
Memo: Accts in Foreign Offices
Memo: IRA, HSA & Other
Fiduciary and Related Services Income
Personal Trust and Agency
Employee Benefit DC
Employee Benefit DB
Other EB & Retirement-Related
Corporate Trust and Agency
Inv Mgmt & Inv Advisory Agency
Foundation & Endowment Trust & Agency
Other Fiduciary
Custody and Safekeeping
Other Related Services
Gross Fiduciary and Related Income
Less: Expenses
Less:Net Losses
Plus: Intra-company Credits
Net Fiduciary and Related Income
Memo: Fiduciary Income - Foreign
Gross Fiduciary Income % Nonint Inc
Fiduciary Income % Fiduciary Assets
Personal Trust and Agency
Employee Benefit DC
Employee Benefit DB
Other EB & Retirement-Related
Corporate Trust and Agency
Inv Mgmt & Inv Advisory Agency
Other Fiduciary
Total Fiduciary Assets
Custody and Safekeeping
Memo: Fiduciary Income Foreign
Collective/Common Trust Fund Assets
Domestic Equity
International/Global Equity
Stock/Bond Blend
Taxable Bond
Municipal Bond
Short Term/Money Market
Specialty/Other
Total Trust Funds
Collective/Common Trust Fund Accounts
Domestic Equity
International/Global Equity
Stock/Bond Blend
Taxable Bond
Municipal Bond
Short Term/Money Market
Specialty/Other
Total Trust Funds
BANK FOUR
Fiduciary & Related Services--Page 14
'($000)'
59,854
51,324
7,375
7,283
27,404
209,204
4,364
467
367,275
79,482
N/A
31,233
'($000)'
57,445
48,722
6,874
6,930
21,486
212,138
4,087
0
357,682
79,344
N/A
31,927
FOUR, TX
12/31/2011
%Total
16.06
13.62
1.92
1.94
6.01
59.31
1.14
0.00
100.00
N/A
8.93
Fiduciary Services-a
12/31/2012
%Change
14.27
6.07
14.05
3.29
29.35
-12.59
7.98
N/A
-2.13
4.07
N/A
N/A
17
-1.90
%MGD
99
1
100
82
100
92
100
N/A
81
%Total
16.51
1.86
0.23
10.23
36.28
33.95
0.93
0.00
100.00
%MGD
94
13
100
73
100
78
100
N/A
87
N/A
5
(#)
71
8
1
44
156
146
4
0
430
855
N/A
603
N/A
140.23
N/A
5
%FID IN
18.99
0.82
0.00
4.10
48.03
24.87
1.56
0.00
1.64
0.00
100.00
N/A
N/A
N/A
N/A
N/A
21.97
%Change
13
22
N/A
10
11
8
24
N/A
0
N/A
11
N/A
N/A
N/A
N/A
N/A
'($000)'
304
11
0
67
815
416
23
0
28
0
1,664
1,141
0
0
523
N/A
%FID IN
18.27
0.66
0.00
4.03
48.98
25.00
1.38
0.00
1.68
0.00
100.00
68.57
0.00
0.00
31.43
N/A
16.90
%Change
-11
-8
N/A
24
9
14
N/A
N/A
8
N/A
7
-1
N/A
N/A
33
N/A
Bank
0.57
0.03
0.00
1.01
3.14
0.21
0.00
0.49
0.04
N/A
TRST304
1
0
0
1
9
1
4
1
0
0
PCT
31
7
14
93
83
8
47
29
19
N/A
0
0
0
0
0
0
0
0
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
0
0
0
0
0
0
0
0
%Change
9.86
0.00
0.00
0.00
3.85
-9.59
0.00
N/A
3.95
5.38
N/A
-6.80
Bank
0.53
0.02
0.00
0.97
3.79
0.20
N/A
0.47
0.04
N/A
TRST304
0.71
0.45
0.37
0.62
5.05
0.58
2.12
0.58
0.14
0.00
PCT
26.00
6.00
11.00
90.00
79.00
6.00
N/A
28.00
20.00
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
FDIC Certificate # 4444
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 444444
County: FOUR
12/31/2012
%Rev TRST304
0.00
0
0.00
0
0.00
0
0.00
2
0.00
0
Gross Fiduciary Losses - Managed
Personal Trust and Agency
EB & Retirement Related Trust & Agency
Inv Mgmt & Inv Advisory Agency
Other Fiduciary
Total Gross Managed Losses
'($000)'
0.00
0.00
0.00
0.00
0.00
Gross Fiduciary Losses - Non Managed
Personal Trust and Agency
EB & Retirement Related Trust & Agency
Inv Mgmt & Inv Advisory Agency
Other Fiduciary
Total Gross Non Managed Losses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Fiduciary Losses - ALL
Personal Trust and Agency
EB & Retirement Related Trust & Agency
Inv Mgmt & Inv Advisory Agency
Other Fiduciary
Total Net Losses
0.00
0.00
0.00
0.00
0.00
Corporate Trust and Agency
BANK FOUR
Fiduciary & Related Services--Page 14A
9/30/2012
%Rev TRST304
N/A
0.11
N/A
0.24
N/A
0.00
N/A
0.00
N/A
0.06
PCT
81.00
89.00
91.00
96.00
73.00
'($000)'
N/A
N/A
N/A
N/A
N/A
0
0
0
0
0
98.00
94.00
97.00
95.00
89.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
0.00
0
0
0
0
0
82.00
85.00
90.00
92.00
70.00
N/A
N/A
N/A
N/A
N/A
FOUR, TX
Fiduciary Services-b
12/31/2011
%Rev TRST304
0.00
0.05
0.00
0.01
0.00
0.01
0.00
0.00
0.00
0.08
PCT
N/A
N/A
N/A
N/A
N/A
'($000)'
0
0
0
0
0
0.00
0.00
0.10
0.00
0.01
N/A
N/A
N/A
N/A
N/A
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.01
0.00
0.12
0.04
0.01
97
91
97
96
87
N/A
N/A
N/A
N/A
N/A
0.02
0.24
0.00
0.00
0.06
N/A
N/A
N/A
N/A
N/A
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.06
0.04
0.02
0.01
0.12
76
83
87
92
65
%Change
'($000)'
#ISS
%Change
N/A 225,404.00
N/A 30,580.00
N/A
N/A
141.00
N/A
0.00
11
N/A
N/A
'($000)'
#ISS
%Change
'($000)'
#ISS
Corporate and Muni Trusteeships
Issues in Default
All Other Corporate
#######
#######
N/A
147.00
N/A
0.00
4
-20
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Managed Assets in Fiduciary Accts
Noninterest-Bearing Deposits
Interest-Bearing Deposits
U.S. Treasury & Agency
State, County & Municipal
Money Market Mutual Funds
Equity Mutual Funds
Other Mutual Funds
Common & Collective Funds
Other Short-Term Obligations
Other Notes and Bonds
Unregistered Funds & Private Equity
Other Common & Preferred Stocks
Real Estate Mortgages
Real Estate
Miscellaneous Assets
Total Managed Assets
'($000)'
191.00
#######
#######
1,297.00
0.00
0.00
8,875.00
0.00
0.00
262.00
0.00
#######
4,330.00
#######
#######
#######
%Total
0.07
N/A
18.77
0.47
0.00
0.00
3.21
0.00
0.00
0.09
0.00
24.16
1.57
12.07
32.05
100.00
%Change
-75
-29
25
-83
N/A
N/A
-41
N/A
N/A
291
N/A
-7
-31
-1
5
-5
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
751
29,393
41,390
7,731
0
0
15,151
0
0
67
0
71,728
6,235
33,716
84,625
290,787
%Total
0.26
N/A
14.23
2.66
0.00
0.00
5.21
0.00
0.00
0.02
0.00
24.67
2.14
11.59
29.10
100.00
%Change
3,029.17
10.04
3.71
-19.08
N/A
N/A
11.18
N/A
N/A
-75.09
N/A
14.67
77.13
5.16
2.34
7.33
0.00
0.00
N/A
N/A
N/A
N/A
0
0.00
N/A
N/A
0.00
N/A
N/A
0
N/A
N/A
0.00
N/A
'($000)'
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
(#)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Memo: Fiduciary Assets in Advised or Sponsored Mutual Funds
Peer Group Descriptions for Fiduciary & Related Services:
Trust Assets between $250 million and $1 billion
Memo: Fiduciary Income Foreign
Collective/Common Trust Fund Assets
Domestic Equity
International/Global Equity
Stock/Bond Blend
Taxable Bond
Municipal Bond
Short Term/Money Market
Specialty/Other
Total Trust Funds
Collective/Common Trust Fund Accounts
Domestic Equity
International/Global Equity
Stock/Bond Blend
Taxable Bond
Municipal Bond
Short Term/Money Market
Specialty/Other
Total Trust Funds
er Number
TRST304
PCT
77
88
89
94
67
Net Income:Avg Assets
1.02
1.13
1.51
0.98
1.12
0.92
0.67
0.44
0.10
0.53
59
72
88
76
74
'12
'11
'10
'09
'08
Net Interest Income (TE):
Avg Assets
1.79 3.73
49
'12
4.05 3.76
68
'11
4.11 3.77
72
'10
4.12 3.83
70
'09
4.65 3.87
88
'08
Noninterest Income:
Avg Assets
1.36 0.78
85
1.71 0.71
92
2.22 0.72
94
2.14 0.74
95
1.68 0.77
92
'12
'11
'10
'09
'08
Fiduciary Activities (inc)
Deposit Service Charges
Net from Trading Fees &
Comms (if available)
Foreign Exchange Trading
(if available)
Other Non-Interest Income
Non-interest expense:
Avg Assets
4.36 2.93
93
4.03 2.93
90
4.16 2.94
91
4.07 2.97
88
4.22 2.91
90
'12
'11
'10
'09
'08
Provision for loan & lease
losses: Avg Assets
0.01 0.30
10
'12
0.11 0.53
14
'11
0.61 0.80
52
'10
0.87 1.12
52
'09
0.47 0.62
55
'08
Realized G/L
HTM Securities
0.26 0.07
0.02 0.05
0.00 0.05
0.08 0.04
0.00 -0.04
Personnel Expense:
Avg Assets
2.04 1.56
86
1.75 1.50
74
1.78 1.47
77
1.83 1.45
81
1.90 1.53
80
Occupancy Expense:
Avg Assets
0.53 0.36
86
0.49 0.37
80
0.53 0.38
83
0.49 0.39
75
0.55 0.40
82
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Average Assets per
employee-$MM
2.42 4.71
2
2.79 4.62
5
2.88 4.54
9
2.97 4.60
12
2.74 4.39
10
'12
'11
'10
'09
'08
Average Personnel Exp
per equiv Emp-$M
53.33 68.31
15
49.85 65.25
11
50.67 63.41
15
49.14 62.11
14
49.21 60.94
18
'12
'11
'10
'09
'08
Premises, fixed assets:
Avg Assets
1.61 1.74
46
1.57 1.78
43
1.41 1.82
37
1.06 1.88
24
1.25 1.92
28
'12
'11
'10
'09
'08
Avg Assets per domesic
office
89
57
35
72
53
Realized G/L
AFS Securities
Net Extraordinary Items:
Avg Assets
Applicable Income Tax:
Avg Assets
'12
'11
'10
'09
'08
Other operating expenses:
Avg Assets
1.79 0.99
93
'12
1.79 1.04
92
'11
1.85 1.06
93
'10
1.75 1.09
91
'09
1.76 0.93
93
'08
Effiency Ratio
84.51
76.32
66.60
68.95
72.23
66.82
67.91
68.42
71.47
66.05
87
73
49
53
69
'12
'11
'10
'09
'08
Overhead
Net Interest Income+NonInterest Income
or…
84.51 to make $100 in revenue
Interest Income (TE):
Avg Assets
4.24 4.23
50
4.36 4.50
37
5.06 4.78
69
5.25 5.13
58
6.40 5.90
85
Net Loans and Leases
Avg Assets
58.49 62.60
35
59.71 63.82
34
69.68 66.81
56
73.70 69.85
59
76.66 71.59
63
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Debt Securities:
Avg Assets
Interest-Bearing Bank
Balances: Avg Assets
Federal Funds Sold
Avg Assets
Trading Acct Securities:
Avg Assets
Equity Securities:
Avg Assets
Interest Expense
Avg Assets
0.44 0.66
0.80 0.90
1.03 1.22
1.49 1.68
2.24 2.36
22
39
32
34
41
Interest Income (TE):
Avg Earning Assets
4.66 4.55
56
4.75 4.85
43
5.47 5.15
70
5.71 5.50
65
6.81 6.30
85
Average Earning Assets
Avg Assets
91.03 93.26
21
91.79 93.16
30
92.39 93.08
38
91.89 93.59
27
94.03 93.86
49
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Total Loans & Leases
(Yield On)
6.65 5.64
93
6.57 5.84
89
6.36 5.97
77
6.18 6.06
58
7.15 6.77
76
'12
'11
'10
'09
'08
Other Interest Income
Investment Securities
(Yield On)
1.74 2.71
12
2.21 3.19
13
3.18 3.68
31
4.55 4.44
54
5.51 5.02
82
Real Estate Loans
(yield on)
6.53 5.58
92
6.35 5.76
86
6.54 5.88
88
6.32 5.99
73
7.11 6.69
78
US Treasury & agency
Securities
1.27 1.74
29
1.67 2.10
34
2.05 2.58
32
2.75 3.57
25
4.89 4.57
63
'12
'11
'10
'09
'08
Commercial & Industria
Loans (yield on)
6.22 5.75
73
6.24 5.93
67
6.17 6.06
60
5.25 6.03
21
6.81 6.84
53
'12
'11
'10
'09
'08
Mortgage backed securities
(yield on)
4.24 2.34
93
'12
3.77 3.10
77
'11
4.13 3.76
63
'10
4.40 4.58
38
'09
5.23 4.99
71
'08
Loans to Individuals
(yield on)
8.00 7.26
67
8.19 7.50
68
5.57 7.63
12
5.87 7.76
14
8.12 8.16
51
Interest Bearing Bank
Balances (Yield On)
0.29 0.30
64
0.26 0.33
54
0.31 0.39
61
0.41 0.63
59
100.00 2.22
99
'12
'11
'10
'09
'08
All other securities
(yield on)
2.09 3.27
12
2.58 3.65
13
3.99 3.86
55
4.65 4.10
77
4.82 4.27
77
Agriculture Loans
(yield on)
6.30 5.81
6.39 6.03
6.36 6.20
5.96 6.27
6.79 7.01
Federal Funds Sold
(Yield On)
0.00 0.17
20
0.00 0.18
17
0.00 0.21
13
0.00 0.24
8
2.61 2.10
85
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Page 2
'12
'11
'10
'09
'08
70
68
59
41
44
'12
'11
'10
'09
'08
Real Estate Loans
Avg Gross Lns & Leases
64.58 76.58
20
61.10 77.02
14
57.95 77.23
10
57.76 77.54
9
52.26 76.89
6
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Commercial & Industrial
Avg Gross Lns & Leases
19.27 13.63
77
20.21 13.38
80
18.54 13.30
77
19.10 13.41
77
23.04 14.09
84
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Loans to Individuals
Avg Gross Lns & Leases
7.09 3.43
83
7.67 3.51
84
11.91 3.73
91
12.05 3.77
91
11.04 3.92
89
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Agriculture Loans:
Avg Gross Lns & Leases
4.16 2.09
79
6.26 2.00
83
7.27 1.79
86
7.25 1.54
88
8.84 1.40
91
'12
'11
'10
'09
'08
Total Interest Bearing
Deposits (cost of)
0.60 0.76
31
1.00 1.03
47
1.25 1.40
36
1.80 1.98
37
3.03 2.87
58
Interest Expense
Avg Earning Assets
0.48 0.71
23
0.87 0.96
41
1.11 1.31
33
1.62 1.80
36
2.38 2.52
40
Transactions Accounts
(cost of)
0.25 0.31
48
0.44 0.41
62
0.60 0.54
64
0.53 0.66
49
0.88 1.09
44
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Other savings & deposits
(cost of)
0.22 0.36
29
'12
0.47 0.50
49
'11
0.57 0.70
40
'10
0.78 0.92
44
'09
1.83 1.56
67
'08
'12
'11
'10
'09
'08
Time deps over $100M
(cost of)
0.93 1.26
22
1.43 1.57
40
1.72 2.00
29
2.59 2.79
35
3.57 3.95
20
All other time deposits
(cost of)
0.93 1.28
21
1.32 1.63
26
1.62 2.09
17
2.24 2.89
11
4.24 3.97
72
'12
'11
'10
'09
'08
Foreign Office Deposits
(cost of)
N/A 0.25 N/A
N/A 0.23 N/A
N/A 0.51 N/A
N/A 0.81 N/A
N/A 2.10 N/A
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Federal Funds Purchased
& Repos (cost of)
0.00 0.55
17
'12
0.00 0.61
15
'11
0.18 0.78
19
'10
0.59 0.91
39
'09
1.77 2.32
25
'08
Other Borrowings (+ note
option) (cost of)
3.73 2.56
73
'12
3.59 2.69
66
'11
3.59 3.09
57
'10
3.45 3.13
49
'09
3.30 3.67
32
'08
Subord Notes &
Debentures (cost of)
N/A 4.65 N/A
N/A 4.86 N/A
N/A 5.21 N/A
N/A 4.65 N/A
N/A 5.24 N/A
Interest-Bearing Funds
Avg Assets
67.58 78.23
11
70.11 79.79
11
72.88 81.05
12
76.38 81.67
19
73.95 80.74
14
'12
'11
'10
'09
'08
Page 3
'12
'11
'10
'09
'08
Interest-bearing transaction
accts:avg assets
19.55 7.69
91
'12
14.40 6.91
83
'11
12.67 6.17
83
'10
14.09 5.76
89
'09
9.50 4.94
83
'08
Foreign office deposits
avg assets
0.00 0.07
99
0.00 0.10
98
0.00 0.11
98
0.00 0.11
98
0.00 0.21
98
'12
'11
'10
'09
'08
Interest-bearing non-trans
accts:avg assets
56.56 79.60
8
'12
61.61 82.20
8
'11
66.07 84.58
8
'10
68.68 85.83
7
'09
72.99 86.85
10
'08
Other borrowings:
avg assets
0.00 0.25
80
0.00 0.03
67
0.00 0.07
63
0.00 0.14
59
0.01 0.11
63
'12
'11
'10
'09
'08
Federal funds & repos
avg assets
0.00 1.08
41
0.00 1.27
38
0.65 1.35
52
0.00 1.52
29
0.24 1.95
28
Subord notes & debentures
avg assets
0.00 0.03
96
'12
0.00 0.05
95
'11
0.00 0.00
94
'10
0.00 0.00
94
'09
0.00 0.00
93
'08
'12
'11
'10
'09
'08
BANK FIVE
FDIC Certificate # 55555
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 555555
County: FIVE
FIVE BANK
FIVE, TX
December 31, 2012 Uniform Bank Performance Report
Information
Introduction
This uniform bank performance report covers the operations of a bank and that of a
comparable group of peer banks. It is provided as a bank management tool by the Federal
Financial Institutions Examination Council. Detailed information
concerning the content of this report is provided in the Users Guide for the Uniform
Bank Performance Report found online at www.ffiec.gov.
This report has been produced for the use of the federal regulators of financial
institutions in carrying out their supervisory responsibilities. All information contained herein
was obtained from sources deemed reliable however no guarantee is given as to
the accuracy of the data. The information contained in this report are not to be construed
as a rating or other evaluation of a financial institution by a federal banking regulator.
The quarterly report of condition and income is the principal source of information
for this report. Please refer to that document for additional financial information and
an explanation of the accounting standards that underlie data shown herein.
For questions regarding content of reports contact:
1-888-237-3111 or email: cdr.help@ffiec.gov
Table of Contents
The bank was established on: 9/3/1947
Table of Contents
Section
Cover Page
Summary Ratios--Page 1
Income Statement $--Page 2
Noninterest Income, Expenses and Yields--Page 3
Balance Sheet $--Page 4
Off Balance Sheet Items--Page 5
Derivative Instruments--Page 5A
Derivative Analysis--Page 5B
Balance Sheet Percentage Composition--Page 6
Analysis of Credit Allowance and Loan Mix--Page 7
Analysis of Credit Allowance and Loan Mix--Page 7A
Analysis of Concentrations of Credit--Page 7B
Analysis of Past Due, Nonaccrual & Restructured--Page 8
Analysis of Past Due, Nonaccrual & Restructured--Page 8A
Interest Rate Risk Analysis as a Percent of Assets--Page 9
Liquidity & Funding--Page 10
Liquidity & Investment Portfolio--Page 10A
Capital Analysis--Page 11
Capital Analysis--Page 11A
One Quarter Annualized Income Analysis--Page 12
Securitization & Asset Sale Activities--Page 13
Securitization & Asset Sale Activities--Page 13A
Securitization & Asset Sale Activities--Page 13B
Fiduciary & Related Services--Page 14
Fiduciary & Related Services--Page 14A
The current peer group for this bank is: 4
Insured commercial banks having assets between $100 million and $300 million, with 3 or
more full service banking offices and located in a metropolitan statistical area
Bank Holding Company Information:
FRB District / ID_RSSD 11 / 0
Financial Institution Address:
FIVE BANK
5555 E 55TH ST
FIVE
TX
55555The Current Federal Regulator is:
Federal Deposit Insurance Corporation
FootNotes:
Financial data in the Uniform Bank Performance Report may have been adjusted
as a result of information shown in footnotes below. Please refer to the
Uniform Bank Performance Report Users Guide online for details.
Bank has elected Subchapter S tax treatment during one or more of the quarters listed.
The UBPR will display ratio Net Income Adjusted for Subchapter S on Summary Ratios
and One Quarter Annualized Income Analysis pages.
FDIC Certificate # 55555
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 555555
County: FIVE
FIVE BANK
Summary Ratios--Page 1
FIVE, TX
Summary Ratios
BANK
12/31/2012
PG 4
PCT
BANK
12/31/2011
PG 4
PCT
BANK
12/31/2010
PG 4
PCT
BANK
12/31/2009
PG 4
PCT
BANK
12/31/2008
PG 4
PCT
3.88
0.09
3.79
1.62
3.71
0.14
1.56
0.00
1.56
1.54
1.67
0.00
1.03
1.54
4.25
0.63
3.61
0.69
3.32
0.29
0.75
0.07
0.84
0.65
0.59
0.00
0.56
0.64
26
1
62
91
72
35
85
37
82
91
91
99
81
91
4.36
0.22
4.14
1.49
3.83
0.16
1.64
0.02
1.65
1.63
1.75
0.00
1.09
1.63
4.56
0.87
3.69
0.63
3.33
0.51
0.48
0.05
0.54
0.37
0.38
0.00
0.31
0.38
35
2
81
91
75
25
88
52
88
93
93
99
88
93
4.86
0.38
4.48
1.50
4.20
0.20
1.58
0.00
1.58
1.56
1.71
0.00
1.04
1.56
4.82
1.18
3.65
0.64
3.34
0.78
0.19
0.05
0.25
0.13
0.24
0.00
0.07
0.13
52
2
91
93
85
19
88
45
87
93
94
99
87
93
5.06
0.48
4.58
1.30
4.36
0.21
1.32
0.21
1.53
1.51
1.67
0.00
1.01
1.51
5.22
1.65
3.58
0.66
3.29
0.94
0.01
0.04
0.03
-0.01
0.24
0.00
-0.06
-0.01
37
1
92
89
89
16
79
90
86
94
94
99
86
94
5.76
1.12
4.63
1.16
4.36
0.15
1.29
0.00
1.29
1.29
1.44
N/A
0.85
1.29
6.00
2.31
3.69
0.70
3.24
0.56
0.61
-0.01
0.54
0.40
0.62
0.00
0.34
0.41
31
2
91
84
90
23
68
63
70
85
87
N/A
71
85
Margin Analysis:
Avg Earning Assets to Avg Assets
Avg Int-Bearing Funds to Avg Assets
Int Inc (TE) to Avg Earn Assets
Int Expense to Avg Earn Assets
Net Int Inc-TE to Avg Earn Assets
92.17
45.94
4.21
0.10
4.11
92.37
74.26
4.62
0.69
3.92
44
0
25
1
63
90.42
50.28
4.82
0.24
4.58
92.55
75.75
4.94
0.94
4.00
25
1
41
2
84
89.16
54.15
5.45
0.42
5.02
92.32
77.13
5.24
1.28
3.96
17
1
64
2
94
94.00
54.12
5.39
0.52
4.87
92.92
77.38
5.62
1.78
3.85
62
0
33
0
90
91.92
52.65
6.26
1.22
5.04
93.43
76.61
6.42
2.47
3.96
26
0
39
2
91
Loan & Lease Analysis:
Net Loss to Average Total LN&LS
Earnings Coverage of Net Losses (X)
LN&LS Allowance to LN&LS Not HFS
LN&LS Allowance to Net Losses (X)
LN&LS Allowance to Total LN&LS
Total LN&LS-90+ Days Past Due
-Nonaccrual
-Total
0.00
790.40
1.49
423.80
1.40
0.75
0.33
1.08
0.52
7.92
1.91
7.01
1.89
0.07
2.23
2.37
10
99
33
99
30
95
15
35
0.08
37.22
1.46
18.41
1.42
0.19
0.12
0.30
0.82
5.85
1.99
5.13
1.97
0.09
2.77
2.93
12
93
30
91
29
77
6
8
0.08
35.88
1.31
17.83
1.30
0.32
0.00
0.32
0.98
4.80
1.97
3.92
1.95
0.12
3.09
3.30
10
94
25
94
25
81
3
7
0.08
32.17
1.18
16.02
1.16
0.34
0.04
0.38
0.99
4.95
1.71
3.98
1.70
0.17
2.66
2.95
10
94
26
92
25
77
5
10
0.00
N/A
1.00
N/A
0.99
0.56
0.00
0.56
0.48
11.45
1.39
7.55
1.38
0.19
1.88
2.18
3
N/A
22
N/A
21
83
4
22
Liquidity
Net Non Core Fund Dep New $250M
Net Loans & Leases to Assets
-19.10
58.24
-1.59
61.73
11
37
-12.89
56.75
0.90
63.16
13
27
-3.52
61.42
3.25
65.44
28
35
14.75
64.50
21.87
68.04
30
36
14.31
60.50
26.18
71.38
21
18
Capitalization
Tier One Leverage Capital
Cash Dividends to Net Income
Retained Earnings to Avg Total Equity
Rest+Nonac+RE Acq to Eqcap+ALLL
6.92
82.71
3.39
24.60
9.80
25.49
2.96
30.13
8
88
47
52
7.71
71.14
5.63
15.33
9.57
20.86
0.75
36.19
15
89
73
32
8.38
89.46
1.72
12.09
9.16
20.86
-2.11
41.41
33
95
44
21
9.55
74.13
3.87
0.25
9.09
25.18
-3.30
32.56
63
85
68
2
9.20
76.62
2.97
0.36
9.34
38.09
0.13
19.35
54
77
57
4
15.88
3.93
18.92
43.11
-34.65
3.20
4.25
0.95
37.85
-3.64
90
46
92
65
25
13.70
6.28
5.05
165.84
-74.69
1.91
3.56
-2.12
27.84
-59.10
91
64
78
89
29
13.67
-2.43
8.24
339.95
-3.12
1.13
1.95
-3.09
52.07
-11.37
91
23
87
92
64
0.97
7.02
7.65
-49.73
-4.09
4.87
2.29
0.25
167.78
-1.52
33
69
78
11
48
21.15
2.65
40.64
50.31
17.27
6.07
3.09
6.93
8.64
17.52
91
45
97
75
56
Earnings and Profitability
Percent of Average Assets:
Interest Income (TE)
- Interest Expense
Net Interest Income (TE)
+ Noninterest Income
- Noninterest Expense
- Provision: Loan & Lease Losses
Pretax Operating Income (TE)
+ Realized Gains/Losses Sec
Pretax Net Operating Income (TE)
Net Operating Income
Adjusted Net Operating Income
Net Inc Attrib to Min Ints
Net Income Adjusted Sub S
Net Income
Growth Rates
Total Assets
Tier One Capital
Net Loans & Leases
Short Term Investments
Short Term Non Core Funding
Average Total Assets
Total Equity Capital
Net Income
Number of banks in Peer Group
236,430
18,663
3,632
204,989
18,027
3,347
179,085
16,170
2,798
173,228
17,641
2,617
156,739
17,174
2,027
719
736
769
779
812
FDIC Certificate # 55555
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 555555
County: FIVE
FIVE BANK
Income Statement $--Page 2
FIVE, TX
Income Statement $
12/31/2012
8,041
0
0
0
8,041
12/31/2011
7,339
0
0
0
7,339
12/31/2010
7,118
0
0
0
7,118
12/31/2009
6,588
0
0
0
6,588
12/31/2008
6,429
0
0
0
6,429
Percent Change
1 Year
1/9/1900
N/A
N/A
N/A
9.57
US Treas & Agency (Excl MBS)
Mortgage Backed Securities
Estimated Tax Benefit
All Other Securities
Tax-Exempt Securities Income
Investment Interest Income (TE)
182
421
64
356
134
1,023
676
457
40
350
85
1,523
591
626
32
297
71
1,546
1,117
815
30
202
68
2,164
1,309
1,085
0
68
68
2,462
-73.08
-7.88
59.49
1.71
57.65
-32.8
Interest on Due From Banks
Int on Fed Funds Sold & Resales
Trading Account Income
Other Interest Income
95
0
0
16
52
0
0
15
20
1
0
10
5
12
0
4
0
126
0
4
82.69
N/A
N/A
6.67
9,175
8,929
8,695
8,773
9,021
2.76
N/A
131
89
0
0
0
N/A
244
202
0
0
0
N/A
362
310
4
0
0
N/A
430
409
1
0
0
N/A
873
885
0
0
0
N/A
-46.31
-55.94
N/A
N/A
N/A
220
446
676
840
1,758
-50.67
8,955
3,833
12,788
8,483
3,046
11,529
8,019
2,695
10,714
7,933
2,255
10,188
7,263
1,824
9,087
5.57
25.84
10.92
Non-Interest Expense
Provision: Loan & Lease Losses
Pretax Operating Income (TE)
8,772
320
3,696
7,841
333
3,355
7,525
359
2,830
7,552
357
2,279
6,836
230
2,021
11.87
-3.9
10.17
Realized G/L Hld-to-Maturity Sec
Realized G/L Avail-for Sale Sec
Pretax Net Operating Inc (TE)
0
0
3,696
0
32
3,387
0
0
2,830
0
368
2,647
0
6
2,027
N/A
-100
9.13
0
64
0
64
0
40
0
40
0
32
0
32
0
30
0
30
0
0
0
0
N/A
59.49
N/A
59.49
3,632
3,347
2,798
2,617
2,027
8.52
Net Extraordinary Items
Net Inc Noncontrolling Minority Interests
Net Income
0
0
3,632
0
0
3,347
0
0
2,798
0
0
2,617
0
N/A
2,027
N/A
N/A
8.52
Cash Dividends Declared
Retained Earnings
Memo: Net International Income
3,004
628
N/A
2,381
966
N/A
2,503
295
N/A
1,940
677
N/A
1,553
474
N/A
26.17
-34.99
N/A
Interest and Fees on Loans
Income From Lease Financing
Tax-Exempt
Estimated Tax Benefit
Income on Loans & Leases (TE)
Total Interest Income (TE)
Int on Deposits in Foreign Off
Interest on Time Dep Over $100M
Interest on All Other Deposits
Int on Fed Funds Purch & Repos
Int Trad Liab & Oth Borrowings
Int on Sub Notes & Debentures
Total Interest Expense
Net Interest Income (TE)
Non-interest Income
Adjusted Operating Income (TE)
Applicable Income Taxes
Current Tax Equiv Adjustment
Other Tax Equiv Adjustments
Applicable Income Taxes (TE)
Net Operating Income
FDIC Certificate # 55555
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 555555
County: FIVE
FIVE BANK
Noninterest Income, Expenses and Yields--Page 3
FIVE, TX
Non Int Inc, Exp, Yields
BANK
2.37
0.35
0.99
3.71
2.09
12/31/2012
PG 4
1.70
0.43
1.16
3.32
2.58
PCT
90
31
37
72
23
BANK
2.35
0.41
1.06
3.83
2.34
12/31/2011
PG 4
1.67
0.44
1.19
3.33
2.66
PCT
92
45
43
75
33
BANK
2.52
0.48
1.20
4.20
2.70
12/31/2010
PG 4
1.65
0.45
1.21
3.34
2.65
PCT
95
58
56
85
56
BANK
2.56
0.48
1.31
4.36
3.06
12/31/2009
PG 4
1.65
0.46
1.16
3.29
2.60
PCT
96
57
71
89
75
BANK
2.66
0.44
1.26
4.36
3.20
12/31/2008
PG 4
1.73
0.47
1.01
3.24
2.50
PCT
95
44
78
90
83
68.59
65.89
3.01
76.82
64.70
3.97
34
58
20
68.01
66.04
3.03
76.82
62.01
3.89
33
66
23
70.23
65.48
2.82
78.35
60.54
3.81
40
70
18
74.12
61.68
2.38
78.56
59.04
3.78
48
63
5
75.23
60.42
2.46
73.87
57.77
3.56
56
63
11
Yield on or Cost of:
Total Loan & Leases (TE)
Loans in Domestic Offices
Real Estate
Secured by 1-4 Fam Resi Prop
All Other Loans Sec Real Estate
Commercial & Industrial
Individual
Credit Card
Agricultural
Loans in Foreign Offices
Total Investment Securities (TE)
Total Investment Securities (Book)
US Treas & Agency (Excl MBS)
Mortgage Backed Securities
All Other Securities
Interest-Bearing Bank Balances
Federal Funds Sold & Resales
Total Interest Bearing Deposits
Transaction accounts
Other Savings Deposits
Time Deps Over $100M
All Other Time Deposits
Foreign Office Deposits
5.82
5.82
5.43
5.05
5.63
5.93
8.18
N/A
N/A
N/A
2.52
2.36
1.62
2.57
2.75
0.25
N/A
0.20
0.02
0.06
0.67
0.37
N/A
5.82
5.80
5.76
5.69
5.80
6.07
7.54
10.25
5.75
0.00
2.54
2.27
1.67
2.17
3.22
0.35
0.22
0.78
0.27
0.37
1.24
1.21
0.00
53
53
30
27
40
50
68
N/A
N/A
N/A
52
55
48
71
29
43
N/A
1
1
0
7
0
N/A
6.14
6.14
6.31
5.28
6.88
5.97
6.90
N/A
N/A
N/A
3.25
3.16
2.71
3.49
3.93
0.28
N/A
0.43
0.04
0.19
0.96
0.87
N/A
6.02
6.00
5.95
5.92
5.97
6.29
7.85
9.67
6.21
5.96
3.07
2.80
2.09
3.02
3.60
0.37
0.23
1.06
0.36
0.54
1.55
1.56
0.39
62
63
72
25
91
41
33
N/A
N/A
N/A
57
67
74
72
64
55
N/A
4
1
7
8
6
N/A
6.13
6.13
6.30
5.93
6.53
5.58
6.84
N/A
N/A
N/A
3.92
3.84
3.50
4.02
4.27
0.53
0.78
0.70
0.07
0.34
1.69
0.86
N/A
6.16
6.14
6.10
6.11
6.09
6.42
7.90
9.35
6.36
5.63
3.59
3.31
2.64
3.64
3.88
0.51
0.20
1.43
0.47
0.75
1.98
2.04
0.50
50
51
64
45
72
19
27
N/A
N/A
N/A
63
73
75
65
72
64
93
4
3
12
28
1
N/A
6.22
6.22
6.27
7.00
5.83
5.93
7.69
N/A
N/A
N/A
4.39
4.33
4.16
4.60
4.26
0.27
0.22
0.90
0.05
0.51
1.81
1.50
N/A
6.30
6.28
6.26
6.36
6.21
6.38
7.98
9.45
6.43
6.38
4.34
4.07
3.59
4.48
4.01
0.81
0.20
2.05
0.60
1.02
2.81
2.85
1.14
48
50
53
74
30
35
44
N/A
N/A
N/A
51
62
65
55
67
44
56
2
1
14
5
1
N/A
7.25
7.25
6.93
7.33
6.66
7.33
8.34
N/A
N/A
N/A
5.10
5.10
5.34
4.92
3.90
N/A
1.80
2.13
0.09
1.47
3.42
3.09
N/A
7.01
6.99
6.92
6.92
6.95
7.15
8.38
10.40
7.05
7.04
4.94
4.63
4.58
4.91
4.16
2.28
2.13
2.96
0.97
1.67
3.98
3.97
2.83
68
68
53
65
36
62
49
N/A
N/A
N/A
61
82
84
48
38
N/A
19
11
0
41
15
4
N/A
Federal Funds Purchased & Repos
Other Borrowed Money
Subord Notes & Debentures
All Interest-Bearing Funds
N/A
N/A
N/A
0.20
0.36
2.40
5.66
0.85
N/A
N/A
N/A
1
N/A
N/A
N/A
0.43
0.46
2.59
6.10
1.14
N/A
N/A
N/A
3
0.82
N/A
N/A
0.70
0.53
2.77
9.98
1.52
67
N/A
N/A
4
1.52
N/A
N/A
0.90
0.71
2.97
5.87
2.13
83
N/A
N/A
2
0.00
N/A
N/A
2.13
2.11
3.71
7.09
3.01
10
N/A
N/A
9
Percent of Average Assets
Personnel Expense
Occupancy Expense
Other Oper Exp (Incl Intangibles)
Total Overhead Expense
Overhead Less Nonint Inc
Other Income & Expense Ratios:
Efficiency Ratio
Avg Personnel Exp Per Empl($000)
Assets Per Employee ($Million)
Non-interest Income & Expenses
Fiduciary Activities
Deposit Service Charges
Trading, Vent Cap, Securtz Inc
Inv Banking, Advisory Inc
Insurance Comm & Fees
Net Servicing Fees
Loan & Lse Net Gains/Loss
Other Net Gains/Losses
Other Non-interest Income
Non-interest Income
Personnel Expense
Occupancy Expense
Goodwill Impairment
Other Intangible Amortiz
Other Oper Exp(incl Intangibles)
Non-Interest Expense
Domestic Banking Offices(#)
Foreign Branches (#)
Assets Per Domestic Office
913
671
0
0
0
0
1,155
0
1,094
3,833
5,601
830
0
47
2,294
8,772
5
0
51,246
852
629
0
0
0
0
562
-7
1,010
3,046
4,821
846
0
47
2,127
7,841
5
0
44,223
815
648
0
0
0
0
540
0
692
2,695
4,518
854
0
47
2,106
7,525
5
0
38,894
732
677
0
0
0
0
488
-16
374
2,255
4,441
837
0
47
2,227
7,552
5
0
34,217
509
644
0
0
0
0
263
-1
409
1,824
4,169
694
0
31
1,942
6,836
5
0
33,887
FDIC Certificate # 55555
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 555555
County: FIVE
12/31/2012
FIVE BANK
Balance Sheet $--Page 4
12/31/2011
FIVE, TX
12/31/2010
Balance Sheet $
12/31/2009
12/31/2008
Percent Change
1 Quarter
1 Year
Assets:
Real Estate Loans
Commercial Loans
Individual Loans
Agricultural Loans
Other LN&LS in Domestic Offices
LN&LS in Foreign Offices
Loans Held for Sale
Loans not Held for Sale
LN&LS Allowance
Net Loans & Leases
U.S. Treasury & Agency Securities
Municipal Securities
Foreign Debt Securities
All Other Securities
Interest-Bearing Bank Balances
Federal Funds Sold & Resales
Trading Account Assets
Total Investments
Total Earning Assets
71,089
70,909
9,258
0
90
N/A
8,670
142,676
2,119
149,227
29,615
14,252
0
3,610
36,002
0
0
83,479
232,706
53,185
63,889
10,184
0
26
N/A
3,389
123,895
1,804
125,480
36,605
5,665
0
6,177
27,243
0
0
75,690
201,170
46,935
62,831
11,167
0
79
N/A
1,400
119,612
1,569
119,443
37,704
2,028
0
6,826
10,148
0
0
56,706
176,149
47,475
54,193
9,781
0
203
N/A
1,501
110,151
1,298
110,354
38,071
1,797
0
4,853
2,003
0
0
46,724
157,078
37,279
56,788
9,442
0
21
N/A
1,633
101,897
1,022
102,508
45,709
1,735
0
0
0
4,840
0
52,284
154,792
7.55
4.91
-6.85
N/A
26.76
N/A
182.69
1.45
4.44
5.33
12.36
32.66
N/A
-36.15
-20.59
N/A
N/A
-5.24
1.28
33.66
10.99
-9.09
N/A
246.15
N/A
155.83
15.16
17.46
18.92
-19.10
151.58
N/A
-41.56
32.15
N/A
N/A
10.29
15.68
Nonint Cash & Due From Banks
Premises, Fix Assts, Cap Leases
Other Real Estate Owned
Dir & Indir Inv RE Ventures
Inv in Unconsolidated Subs
Acceptances & Oth Assets
Total Assets
Average Assets During Quarter
9,804
6,630
0
0
0
7,094
256,234
257,215
7,317
6,497
0
0
0
6,131
221,115
222,100
5,470
6,622
72
0
0
6,161
194,474
192,667
5,002
6,832
0
0
0
2,173
171,085
173,280
7,725
5,521
63
0
0
1,337
169,438
168,102
47.05
3.67
N/A
N/A
N/A
8.72
2.76
5.55
33.99
2.05
N/A
N/A
N/A
15.71
15.88
15.81
Liabilities:
Demand Deposits
All Now & ATS Accounts
Money Market Deposit Accounts
Other savings Deposits
Time Deps At Or Below Insurance Limit
Less: Fully Insured Brokered Deposits
Core Deposits
Fully Insured Brokered Deposits
Time Deps Above Insurance Limit
Deposits in Foreign Offices
Total Deposits
Federal Funds Purch & Resale
Fed Home Loan Bor Mat < 1 Year
Fed Home Loan Bor Mat > 1 Year
Oth Borrowing Mat < 1 Year
Oth Borrowing Mat > 1 Year
Acceptances & Other Liabilities
Total Liabilities (Incl Mortg)
Subordinated Notes & Debentures
Total Bank Capital & Min Int
Total Liabilities & Capital
123,426
9,862
61,240
10,770
27,178
0
232,476
0
4,050
0
236,526
0
0
0
0
0
1,045
237,571
0
18,663
256,234
97,114
9,760
53,763
7,721
27,614
0
195,972
0
6,188
0
202,160
0
0
0
0
0
928
203,088
0
18,027
221,115
78,552
7,037
51,311
5,357
30,315
0
172,572
0
4,881
0
177,453
0
0
0
0
0
851
178,304
0
16,170
194,474
57,839
9,435
47,227
3,630
9,467
0
127,598
0
24,017
0
151,615
1,220
0
0
0
0
609
153,444
0
17,641
171,085
64,355
6,278
42,349
3,592
8,768
0
125,342
0
26,313
0
151,655
0
0
0
0
0
608
152,263
0
17,174
169,437
5.41
25.57
-0.05
5.28
-1.75
N/A
3.73
N/A
-23.66
N/A
3.10
N/A
N/A
N/A
N/A
N/A
15.22
3.15
N/A
-1.93
2.76
27.09
1.05
13.91
39.49
-1.58
N/A
18.63
N/A
-34.55
N/A
17.00
N/A
N/A
N/A
N/A
N/A
12.61
16.98
N/A
3.53
15.88
2
2,637
5
47,472
0
2
3,183
6
48,441
0
3
6,156
8
46,550
0
3
5,342
9
44,712
0
4
5,198
10
47,434
0
-0.42
-16.67
11.05
N/A
-17.15
-16.67
-2.00
N/A
Memoranda:
Officers, Shareholder Loans (#)
Officers, Shareholder Loans ($)
Held-to-Maturity Securities
Available-for-Sale Securities
All Brokered Deposits
FDIC Certificate # 55555
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 555555
County: FIVE
BANK
0.00
0.00
4.67
0.00
4.67
0.00
13.39
18.06
0.00
12/31/2012
PG 4
1.32
0.08
1.59
0.52
0.97
0.00
4.21
7.91
0.00
PCT
16
81
91
19
95
92
97
95
99
0.00
N/A
0.28
0.20
0.00
0.01
11.96
11.96
Credit Derivatives Bank as Guarantor
Credit Derivatives Bank as Beneficiary
All Oth Off-Balance Sheet Items
Outstanding (% of Total)
Home Equity (1-4 Family)
Credit Card
Commercial RE Secured by RE
1-4 Family Residential
Comml RE, Oth Const & Land
Commercial RE Not Secured by RE
All Other
Total LN&LS Commitments
Securities Underwriting
Standby Letters of Credit
Amount Conveyed to Others
Commercial Letters of Credit
Assets Securitized or Sold w/Rec
Amount of Recourse Exposure
Off-Balance Sheet Items
Outstanding ($000)
Home Equity (1-4 Family)
Credit Card
Commercial RE Secured by RE
1-4 Family Residential
Commercial RE, Oth Const & Land
Commercial RE Not Secured by RE
All Other
Securities Underwriting
Memo: Unused Commit w/mat GT 1 YR
FIVE BANK
Off Balance Sheet Items--Page 5
BANK
0.00
0.00
3.38
0.00
3.38
0.00
9.73
13.11
0.00
12/31/2011
PG 4
1.33
0.09
1.29
0.39
0.80
0.00
4.03
7.41
0.00
PCT
18
79
89
20
96
91
91
89
99
17
N/A
95
0.00
N/A
0.29
0.24
0.00
0.00
0.11
0.01
97
99
3.90
3.90
0.00
0.00
0.00
0.00
99
99
0.00
0.09
30.30
9.23
FIVE, TX
BANK
0.00
0.00
4.37
0.00
4.37
0.00
9.10
13.47
0.00
12/31/2010
PG 4
1.35
0.10
1.25
0.38
0.78
0.00
4.07
7.46
0.00
PCT
17
79
94
20
96
91
90
90
99
16
N/A
96
0.00
N/A
0.31
0.25
0.00
0.01
0.11
0.01
94
98
0.00
0.00
0.00
0.00
0.00
0.00
99
99
90
0.00
0.09
97
17.31
8.77
Off Balance Sheet Items
BANK
0.00
0.00
1.49
0.00
1.49
0.00
11.19
12.68
0.00
12/31/2009
PG 4
1.39
0.11
1.57
0.46
0.93
0.00
4.31
8.07
0.00
PCT
15
78
55
16
71
90
95
84
99
16
N/A
95
0.00
N/A
0.29
0.28
0.00
0.01
0.09
0.01
88
89
0.00
0.00
0.00
0.00
0.00
0.00
99
99
90
0.00
0.09
89
13.78
8.86
Percent Change
1 Quarter
1 Year
BANK
0.00
0.00
1.54
0.00
1.54
0.00
10.57
12.10
0.00
12/31/2008
PG 4
1.51
0.12
2.48
0.73
1.49
0.01
4.77
9.66
0.00
PCT
16
76
38
12
56
87
91
70
99
15
N/A
95
0.00
0.00
0.10
0.35
0.01
0.01
15
95
90
0.08
0.00
88
89
0.00
0.00
0.07
0.00
89
90
0.00
0.00
0.00
0.00
99
99
0.00
0.00
0.01
0.00
99
99
89
0.00
0.09
89
0.00
0.06
90
81
12.97
9.49
77
12.20
11.10
61
0
0
11,966
0
11,966
0
34,303
0
797
0
0
7,469
0
7,469
0
21,520
0
2,131
0
0
8,494
0
8,494
0
17,701
0
2,191
0
0
2,552
0
2,552
0
19,144
0
545
0
0
2,602
0
2,602
0
17,906
0
626
N/A
N/A
-15.42
N/A
-15.42
N/A
11.36
N/A
-46.51
N/A
N/A
60.21
N/A
60.21
N/A
59.40
N/A
-62.60
0
N/A
715
0
N/A
647
0
N/A
603
0
N/A
493
0
0
169
N/A
N/A
-2.99
N/A
N/A
10.51
Assets Securitized or Sold w/recourse
Amount of Recourse Exposure
30,649
30,649
8,630
8,630
0
0
0
0
0
0
53.18
53.18
255.14
255.14
Credit Derivatives Bank as Guarantor
Credit Derivatives Bank as Beneficiary
0
0
0
0
0
0
0
0
0
0
N/A
N/A
N/A
N/A
All Oth Off-Balance Sheet Items
0
0
0
0
0
N/A
N/A
77,633
38,266
26,798
22,189
20,677
18.17
102.88
Standby Letters of Credit
Amount Conveyed to Others
Commercial Letters of Credit
Off-Balance Sheet Items
FDIC Certificate # 55555
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 555555
County: FIVE
12/31/2012
Notional Amount ($000)
Derivative Contracts
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
FIVE BANK
Derivative Instruments--Page 5A
12/31/2011
FIVE, TX
12/31/2010
Derivative Instruments
12/31/2009
12/31/2008
14,552
14,552
0
0
5,749
5,749
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7,922
6,630
0
6,630
0
0
0
0
3,388
2,361
0
2,361
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
14,552
14,552
0
0
0
0
0
0
0
5,749
5,749
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7,922
7,922
0
0
2,361
2,361
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Gross Negative Fair Value
Gross Positive Fair Value
Held-for-Trading
Non-Traded
Memo: Marked-to-Market
Curr Credit Exp on RBC Derivatives Contr
Credit Losses Off_BS Derivatives
0
173
173
0
0
0
N/A
0
65
65
0
0
0
N/A
0
0
0
0
0
0
N/A
0
0
0
0
0
0
N/A
0
0
0
0
0
0
N/A
Past Due Derivatives Instruments:
Fair Value Carried as Assets
N/A
N/A
N/A
N/A
N/A
Impact Nontraded Derivatives Contracts:
Increase (Decr) in Interest Inc
Increase (Decr) in Interest Exp
Increase (Decr) in Nonint ALLOC
Increase (Decr) in Net Income
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Derivatives Position
Future and Forwards
Written Options
Exchange Traded
Over-the-Counter
Purchased Options
Exchange Traded
Over-the-Counter
Swaps
Held-for-Trading
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
Non-Traded
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
Memo: Marked-to-Market
Derivative Contracts (RBC Def)
One Year or Less
Over 1 Year to 5 Years
Over 5 Years
FDIC Certificate # 55555
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 555555
County: FIVE
FIVE BANK
Derivative Analysis--Page 5B
FIVE, TX
Derivative Analysis
BANK
100.00
0.00
0.00
12/31/2012
PG 4
99.07
0.00
0.93
PCT
99
99
97
BANK
100.00
0.00
0.00
12/31/2011
PG 4
97.60
0.00
2.40
PCT
98
98
95
BANK
N/A
N/A
N/A
12/31/2010
PG 4
97.94
0.00
2.06
PCT
N/A
N/A
N/A
BANK
N/A
N/A
N/A
12/31/2009
PG 4
97.65
0.00
2.35
PCT
N/A
N/A
N/A
BANK
N/A
N/A
N/A
12/31/2008
PG 4
0.00
0.00
0.00
PCT
N/A
N/A
N/A
54.44
45.56
0.00
45.56
0.00
0.00
0.00
0.00
19.63
23.68
0.09
23.55
0.71
0.06
0.65
2.20
66
55
98
55
90
98
91
79
58.93
41.07
0.00
41.07
0.00
0.00
0.00
0.00
24.11
24.40
0.00
24.40
0.14
0.00
0.14
0.93
70
48
98
48
92
98
92
83
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
25.15
25.32
0.00
25.32
1.61
0.00
1.61
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
19.42
26.26
0.39
26.92
0.00
1.18
1.93
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
19.88
24.43
0.00
24.43
2.04
1.22
2.01
2.66
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
100.00
100.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
11.11
0.00
0.93
0.00
99
99
99
99
6
7
99
97
6
100.00
100.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
6.79
0.00
2.40
0.00
98
98
98
98
8
10
98
95
8
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2.06
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2.35
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
2.44
2.44
0.00
0.00
97.56
0.00
0.00
0.00
97.56
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
54.44
54.44
0.00
0.00
25.67
15.85
1.73
4.20
50
69
87
86
41.07
41.07
0.00
0.00
30.84
22.84
1.19
3.64
36
54
85
88
N/A
N/A
N/A
N/A
31.33
24.07
2.41
2.73
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
24.33
17.96
1.92
1.35
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
28.49
20.54
5.04
2.14
N/A
N/A
N/A
N/A
Gross Negative Fair Value
Gross Positive Fair Value
0.00
1.19
0.42
0.56
64
78
0.00
1.13
0.51
0.57
64
78
N/A
N/A
0.33
0.36
N/A
N/A
N/A
N/A
0.33
0.35
N/A
N/A
N/A
N/A
0.89
0.29
N/A
N/A
By Tier One Capital:
Gross Negative Fair Value (x)
Gross Positive Fair Value (x)
Held-for-Trading (x)
Non-Traded (x)
Non-Traded Marked-to-Mkt(x)
Current Credit Exposure (x)
Credit Losses on Derivatives
0.00
0.01
0.82
0.00
0.00
0.00
N/A
0.00
0.00
0.01
0.01
0.01
0.00
0.00
94
97
99
85
85
97
N/A
0.00
0.00
0.34
0.00
0.00
0.00
N/A
0.00
0.00
0.01
0.01
0.01
0.00
0.00
95
97
99
88
88
97
N/A
0.00
0.00
0.00
0.00
0.00
0.00
N/A
0.00
0.00
0.01
0.01
0.01
0.00
0.00
96
94
98
88
88
97
N/A
0.00
0.00
0.00
0.00
0.00
0.00
N/A
0.00
0.00
0.00
0.00
0.00
0.00
0.00
96
95
99
89
89
97
N/A
0.00
0.00
0.00
0.00
0.00
0.00
N/A
0.00
0.00
0.00
0.00
0.00
0.00
0.00
95
96
99
90
90
98
N/A
Past Due Derivative Instruments:
Fair Value Carried as Assets
N/A
0.00
N/A
N/A
0.00
N/A
N/A
0.00
N/A
N/A
0.00
N/A
N/A
0.00
N/A
0.00
N/A
0.01
0.00
97
N/A
0.00
N/A
0.00
0.00
97
N/A
0.00
N/A
0.00
0.00
97
N/A
0.00
N/A
0.00
0.00
97
N/A
0.00
N/A
0.00
0.00
98
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
Percent of Notional Amounts
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
Derivatives Position
Futures and Forwards
Written Options
Exchange Traded
Over-the-Counter
Purchased Options
Exchange Traded
Over-the-Counter
Swaps
Held-for-Trading
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
Non-Traded
Interest Rate Contracts
Foreign Exchange Contracts
Equity, Comm & Oth Contracts
Memo: Marked-to-Market
Derivative Contracts (RBC Def)
One Year or Less
Over 1 Year to 5 Years
Over 5 Years
Other Ratios:
Cur Credit Exposure/Risk WT AST
Credit Losses on Derivatives/CR Allow
Impact Nontraded Derivatives Contracts:
Incr(Dec) Interest Inc/Net Inc
Incr(Dec) Interest Exp/Net Inc
Incr(Dec) Nonint ALLOC/Net Inc
Incr(Dec) Net Income/Net Inc
FDIC Certificate # 55555
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 555555
County: FIVE
FIVE BANK
Balance Sheet Percentage Composition--Page 6
FIVE, TX
Balance Sheet %
Percent of Average Assets
Loans Held For Sale
Loans Not Held For Sale
Less: LN&LS Allowance
Net Loans & Leases
BANK
1.68
57.09
0.83
57.94
12/31/2012
PG 4
0.19
62.62
1.22
62.02
PCT
93
32
25
34
BANK
0.72
58.44
0.82
58.34
12/31/2011
PG 4
0.14
64.98
1.28
64.09
PCT
89
29
23
30
BANK
0.79
64.45
0.79
64.45
12/31/2010
PG 4
0.15
67.45
1.24
66.61
PCT
88
38
21
38
BANK
0.91
60.61
0.67
60.86
12/31/2009
PG 4
0.13
70.37
1.06
69.60
PCT
91
20
16
22
BANK
0.87
56.24
0.59
56.53
12/31/2008
PG 4
0.09
71.68
0.90
71.04
PCT
93
12
14
13
Interest-Bearing Bank Balances
Federal Funds Sold & Resales
Trading Account Assets
Held-to-Maturity Securities
Available-for-Sale Securities
15.17
0.00
0.00
0.00
18.26
6.28
1.16
0.02
0.61
18.27
88
41
98
68
53
9.53
0.00
0.00
0.00
23.01
5.70
1.31
0.02
0.75
16.68
75
31
98
66
71
3.03
0.29
0.00
0.00
23.39
4.61
1.66
0.03
0.82
14.97
45
35
98
64
75
0.92
2.00
0.00
0.01
27.88
2.30
1.98
0.03
0.96
13.32
40
56
98
62
86
0.00
3.38
0.00
0.01
31.47
0.69
2.26
0.03
1.05
13.60
13
71
98
61
90
91.38
91.18
48
90.88
91.13
43
91.16
91.06
48
91.67
91.48
49
91.38
91.64
43
3.14
2.73
0.00
0.00
0.00
2.75
8.62
100.00
2.40
2.24
1.07
0.00
0.00
2.61
8.80
100.00
74
64
4
99
92
56
51
99
2.87
3.22
0.02
0.00
0.00
3.00
9.12
100.00
2.25
2.24
1.14
0.00
0.00
2.78
8.87
100.00
74
75
5
98
91
58
56
99
2.93
3.76
0.01
0.00
0.00
2.14
8.84
100.00
2.26
2.24
1.05
0.01
0.00
2.91
8.94
100.00
75
85
5
98
90
35
51
99
3.66
3.74
0.03
0.00
0.00
0.90
8.33
100.00
2.49
2.31
0.62
0.01
0.00
2.65
8.50
100.00
83
83
14
95
91
4
50
99
4.63
3.06
0.03
0.00
0.00
0.90
8.62
100.00
2.72
2.36
0.30
0.02
0.00
2.60
8.36
100.00
91
71
24
96
91
4
56
99
0.00
0.22
14
0.00
0.25
14
0.00
0.26
13
0.00
0.32
12
0.08
0.39
24
46.09
3.79
24.09
3.98
11.58
0.00
89.53
0.00
2.25
0.00
91.78
14.44
10.48
15.51
9.06
28.08
1.12
79.74
1.12
4.09
0.00
85.81
99
15
79
26
5
54
96
54
30
99
94
41.71
4.06
24.63
3.33
14.76
0.00
88.49
0.00
2.77
0.00
91.25
12.99
9.87
14.65
8.75
30.89
1.54
78.63
1.54
4.49
0.02
85.62
99
19
83
25
7
49
94
49
35
99
93
36.76
4.30
26.78
2.38
13.53
0.00
83.75
0.00
6.10
0.00
89.85
11.73
9.27
13.63
8.29
30.80
1.99
74.58
1.99
7.40
0.02
84.93
99
23
89
21
5
46
90
46
40
99
84
35.62
4.39
27.69
2.13
5.20
0.00
75.03
0.00
13.99
0.00
89.02
11.18
8.35
12.44
7.65
22.56
2.37
62.47
2.37
17.49
0.02
83.57
99
28
92
20
1
44
88
44
34
99
85
37.01
3.84
25.81
1.89
4.97
0.00
73.52
0.00
15.90
0.00
89.42
11.45
7.98
12.16
7.76
23.18
2.11
62.97
2.11
16.54
0.03
82.94
99
23
89
19
1
46
82
46
50
99
89
0.00
0.00
0.00
2.25
0.40
2.12
0.01
5.40
60
35
88
23
0.00
0.00
0.00
4.68
0.43
2.51
0.02
7.72
58
31
80
27
0.14
0.00
0.00
14.00
0.52
3.23
0.04
16.16
61
27
75
42
0.57
0.00
0.00
14.55
0.67
4.33
0.04
18.45
65
21
77
34
0.00
0.00
0.00
15.90
0.92
4.40
0.04
18.10
35
21
75
43
0.39
92.16
0.52
89.69
42
88
0.37
91.63
0.51
89.98
38
81
0.38
90.37
0.52
90.26
36
46
0.33
89.91
0.56
90.30
17
35
0.41
89.83
0.64
90.11
23
35
0.00
7.84
100.00
0.02
10.28
100.00
98
11
93
0.00
8.38
100.00
0.01
10.01
100.00
98
18
91
0.00
9.63
100.00
0.01
9.73
100.00
98
53
92
0.00
10.09
100.00
0.01
9.68
100.00
98
65
7
0.00
10.17
100.00
0.02
9.87
100.00
97
64
8
Memo: All Brokered Deposits
Insured Brokered Deposits
0.00
0.00
1.30
1.12
52
54
0.00
0.00
1.76
1.54
48
49
0.00
0.00
2.38
2.06
45
47
0.00
0.00
3.13
2.37
41
44
0.00
0.00
2.40
2.11
44
46
Loans HFS as a % Loans
2.86
0.29
94
1.22
0.22
90
1.22
0.22
88
1.48
0.18
93
1.52
0.12
95
Total Earning Assets
Nonint Cash & Due From Banks
Premises, Fix Assts & Cap Leases
Other Real Estate Owned
Dir & Indir Inv RE Ventures
Inv in Unconsolidated Subs
Acceptances & Other Assets
Total Non-Earning Assets
Total Assets
Standby Letters of Credit
Liabilities
Demand Deposits
All NOW & ATS Accounts
Money Market Deposit Accounts
Other Savings Deposits
Time Deps At or Below Insurance Limit
Less: Fully Insured Brokered Deposits
Core Deposits
Fully Insured Brokered Deposits
Time Deps Above Insurance Limit
Deposits in Foreign Offices
Total Deposits
Federal Funds Purch & Repos
Total Fed Home Loan Borrowings
Total Other Borrowings
Memo: Sht Ter N Core Funding
Acceptances & Other Liabilities
Total Liabilities (Incl Mortg)
Subordinated Notes & Debentures
Total Bank Capital & Min Int
Total Liabilities & Capital
FDIC Certificate # 55555
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 555555
County: FIVE
FIVE BANK
Analysis of Credit Allowance and Loan Mix--Page 7
FIVE, TX
Allowance & Loan Mix-a
BANK
0.14
1.75
12/31/2012
PG 4
0.29
15.44
PCT
35
14
BANK
0.16
16.16
12/31/2011
PG 4
0.51
12.06
PCT
25
72
BANK
0.20
13.41
12/31/2010
PG 4
0.78
11.05
PCT
19
69
BANK
0.21
2.63
12/31/2009
PG 4
0.94
18.11
PCT
16
20
BANK
0.15
37.14
12/31/2008
PG 4
0.56
28.22
PCT
23
68
0.00
0.01
0.00
0.52
0.63
0.10
10
2
5
0.08
0.10
0.01
0.82
0.93
0.09
12
10
20
0.08
0.09
0.01
0.98
1.08
0.07
10
6
15
0.08
0.08
0.00
0.99
1.05
0.05
10
7
6
0.00
0.04
0.04
0.48
0.54
0.04
3
9
63
LN&LS Allowance to LN&LS Not HFS
LN&LS Allowance to Total LN&LS
LN&LS Allowance to Net Losses (X)
LN&LS Allowance to Nonaccrual LN&LS (X)
1.49
1.40
423.80
4.25
1.91
1.89
7.01
1.63
33
30
99
88
1.46
1.42
18.41
12.27
1.99
1.97
5.13
1.36
30
29
91
96
1.31
1.30
17.83
N/A
1.97
1.95
3.92
1.20
25
25
94
N/A
1.18
1.16
16.02
27.62
1.71
1.70
3.98
1.34
26
25
92
97
1.00
0.99
N/A
340.67
1.39
1.38
7.55
1.82
22
21
N/A
99
Earnings Coverage of Net Losses (X)
790.40
7.92
99
37.22
5.85
93
35.88
4.80
94
32.17
4.95
94
N/A
11.45
N/A
0.00
N/A
0.00
0.00
N/A
N/A
0.00
N/A
0.00
0.00
0.00
0.00
0.00
N/A
0.46
0.00
0.90
0.17
0.92
0.01
0.44
0.29
0.46
0.04
0.32
0.23
0.30
0.00
14
N/A
55
82
N/A
N/A
24
N/A
29
89
42
59
62
N/A
0.06
N/A
0.00
0.00
N/A
N/A
0.16
N/A
0.16
N/A
0.00
0.00
0.00
N/A
0.74
0.08
1.83
0.99
1.91
0.01
0.64
0.42
0.65
0.09
0.47
0.34
0.51
0.00
17
N/A
44
71
N/A
N/A
35
N/A
38
N/A
36
52
57
N/A
0.14
N/A
0.00
0.00
N/A
N/A
0.35
N/A
0.35
N/A
0.00
0.00
0.00
N/A
0.83
0.01
2.25
1.39
2.28
0.01
0.65
0.38
0.66
0.15
0.42
0.31
0.39
0.00
26
N/A
39
64
N/A
N/A
51
N/A
53
N/A
42
56
61
N/A
0.12
N/A
0.00
0.00
N/A
0.00
0.00
N/A
0.00
N/A
0.20
0.20
N/A
N/A
0.80
0.23
1.98
1.79
1.75
0.00
0.59
0.36
0.57
0.10
0.33
0.19
0.39
0.00
28
N/A
40
58
N/A
93
24
N/A
29
N/A
65
74
N/A
N/A
0.00
N/A
0.00
0.00
0.00
N/A
0.00
N/A
0.00
N/A
0.00
0.00
0.00
N/A
0.34
0.20
0.71
0.50
0.59
0.10
0.25
0.12
0.24
0.00
0.12
0.07
0.08
0.00
21
N/A
53
67
67
N/A
36
N/A
42
N/A
67
79
80
N/A
N/A
0.01
N/A
-0.01
N/A
0.00
0.66
-0.44
0.54
1.54
N/A
40
N/A
16
N/A
N/A
0.11
N/A
0.04
N/A
-0.01
0.98
0.08
0.81
1.73
N/A
37
N/A
28
N/A
N/A
0.00
N/A
0.23
N/A
0.04
1.45
1.02
0.89
2.11
N/A
24
N/A
35
N/A
N/A
0.01
N/A
0.27
N/A
0.12
1.62
0.64
1.06
2.76
N/A
19
N/A
30
N/A
N/A
-0.01
N/A
0.02
N/A
0.05
0.67
0.03
0.83
1.85
N/A
11
N/A
18
N/A
0.00
N/A
0.12
0.00
77
N/A
0.00
N/A
0.10
0.00
79
N/A
0.00
N/A
0.19
0.00
75
N/A
0.00
N/A
0.25
0.00
75
N/A
0.00
N/A
0.16
0.00
76
N/A
Analysis Ratios
Loss Provision to Average Assets
Recoveries to Prior Credit Loss
Net Loss to Average Total LN&LS
Gross Loss to Average Total LN&LS
Recoveries to Average Total LN&LS
Net Losses by Type of LN&LS
Real Estate Loans
Loans to Finance Comml Real Estate
Construction & Land Development
1-4 Family Construction
Other Construction & Land
Secured by Farmland
Single & Multifamily Mortgage
Home Equity Loans
1-4 Family Non-Revolving
Multifamily Loans
Non-Farm Non-Residential Mtg
Owner Occupied Nonfarm Nonresidential
Other Nonfarm Nonresidential
RE Loans in Foreign Offices
Agricultural Loans
Commercial and Industrial Loans
Lease Financing
Loans to Individuals
Credit Card Plans
All Other Loans & Leases
Loans to Foreign Governments
Change: Credit Allowance ($000)
Beginning Balance
Gross Credit Losses
Memo: Loans HFS Write-down
Recoveries
Net Credit Losses
1,804
7
0
2
5
1,569
114
0
16
98
1,298
99
0
11
88
1,022
82
0
1
81
843
38
0
39
-1
Provision: Loan & Lease Losses
Other Adjustments
LN&LS Allowance
320
0
2,119
333
0
1,804
359
0
1,569
357
0
1,298
230
-52
1,022
138,135
119,533
116,047
105,923
88,648
Average Total Loans & Leases
FDIC Certificate # 55555
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 555555
County: FIVE
FIVE BANK
Analysis of Credit Allowance and Loan Mix--Page 7A
FIVE, TX
Allowance & Loan Mix-b
Loan Mix, % Average Gross LN&LS
Construction & Development
1-4 Family Construction
Other Const & Land Development
1-4 Family Residential
Home Equity Loans
Other Real Estate Loans
Farmland
Multifamily
Non-Farm Non-Residential
Owner Occupied Non-Farm Non-Residential
Other Non-Farm Non-Residential
Total Real Estate
BANK
3.76
3.76
0.00
15.55
0.00
24.76
0.00
0.27
24.49
15.54
8.95
44.07
12/31/2012
PG 4
7.25
1.68
5.23
27.56
3.14
42.50
3.17
2.63
34.67
18.66
15.32
79.85
PCT
28
84
4
20
13
10
21
11
26
38
25
1
BANK
2.81
2.81
0.00
15.42
0.00
23.28
0.00
0.00
23.28
18.36
4.92
41.51
12/31/2011
PG 4
7.97
1.78
5.82
27.11
3.21
41.60
3.01
2.43
34.30
18.76
14.91
79.18
PCT
17
72
4
20
13
10
20
6
24
48
13
1
BANK
2.74
2.74
0.00
15.27
0.00
22.27
0.00
0.00
22.27
18.19
4.08
40.28
12/31/2010
PG 4
9.48
2.34
6.82
26.90
3.29
39.56
2.79
2.26
32.79
18.16
14.02
78.59
PCT
13
63
4
20
13
10
20
7
24
51
11
1
BANK
1.79
1.79
0.00
13.95
0.00
23.57
0.02
0.00
23.54
23.54
0.00
39.31
12/31/2009
PG 4
11.71
3.47
7.84
26.37
3.13
37.09
2.61
2.13
30.71
16.99
12.98
77.94
PCT
7
36
4
19
12
14
22
7
30
77
2
1
BANK
2.36
2.07
0.29
11.12
0.00
20.97
0.00
0.00
20.97
18.14
2.83
34.45
12/31/2008
PG 4
13.94
4.90
8.57
25.04
2.80
34.80
2.34
1.93
28.89
15.74
12.48
76.91
PCT
8
28
6
17
12
12
22
8
27
61
8
0
Financial Institution Loans
Agricultural Loans
Commercial & Industrial Loans
Loans to Individuals
Credit Card Loans
Municipal Loans
Foreign Office Loans & Leases
All Other Loans
Lease Financing Receivables
0.00
0.00
48.59
7.28
0.00
0.00
0.00
0.06
0.00
0.00
1.60
12.34
3.18
0.03
0.29
0.00
0.17
0.05
94
37
99
86
80
56
99
55
82
0.00
0.00
49.95
8.45
0.00
0.00
0.00
0.09
0.00
0.04
1.52
12.72
3.53
0.04
0.31
0.01
0.18
0.04
95
37
99
87
79
56
99
64
83
0.00
0.00
50.70
8.88
0.00
0.00
0.00
0.13
0.00
0.00
1.40
13.01
3.86
0.04
0.32
0.01
0.17
0.04
94
39
99
87
78
55
99
66
83
0.00
0.00
51.20
9.26
0.00
0.00
0.00
0.23
0.00
0.03
1.36
13.53
4.01
0.04
0.30
0.01
0.18
0.04
95
38
99
87
77
54
99
75
81
0.00
0.00
55.28
9.98
0.00
0.00
0.00
0.29
0.00
0.02
1.33
14.21
4.37
0.04
0.31
0.01
0.19
0.03
96
38
99
87
74
52
99
75
82
0.00
0.00
0.00
0.07
99
77
0.00
0.00
0.00
0.09
99
76
0.00
0.00
0.00
0.08
99
76
0.00
0.00
0.00
0.09
99
75
0.00
0.00
0.00
0.10
99
76
Memorandum (% of Avg Tot Loans):
Loans & Lease Commitments
Officer, Shareholder Loans
Officer, Shareholder Loans to Assets
31.39
1.79
1.03
13.05
2.00
1.24
97
52
51
23.09
2.54
1.44
11.84
1.87
1.20
93
66
62
21.97
5.16
3.17
11.40
1.94
1.28
92
89
87
20.01
4.93
3.12
11.89
1.92
1.31
88
87
85
20.51
5.20
3.07
13.74
1.92
1.37
83
89
83
Other Real Estate Owned % Assets
Construction & Land Development
Farmland
1-4 Family
Multifamily
Non-Farm Non-Residential
Foreclosed GNMA
Foreign Offices
0.00
0.00
0.00
0.00
0.00
0.00
N/A
0.42
0.00
0.15
0.01
0.30
0.00
0.00
27
86
21
85
25
99
N/A
0.00
0.00
0.02
0.00
0.00
0.00
N/A
0.44
0.00
0.19
0.01
0.30
0.00
0.00
27
87
26
84
26
99
N/A
0.00
0.00
0.01
0.00
0.00
0.00
N/A
0.40
0.00
0.19
0.01
0.24
0.00
0.00
29
89
21
81
27
99
N/A
0.00
0.00
0.00
0.00
0.03
0.00
N/A
0.24
0.00
0.13
0.01
0.14
0.00
0.00
37
91
22
86
47
99
N/A
0.00
0.00
0.00
0.00
0.03
0.00
N/A
0.09
0.00
0.08
0.00
0.06
0.00
0.00
51
95
32
91
64
99
N/A
Subtotal
Direct and Indirect Inv
Total
0.00
0.00
0.00
1.07
0.00
1.07
4
99
4
0.02
0.00
0.02
1.14
0.00
1.15
5
98
5
0.01
0.00
0.01
1.05
0.01
1.05
5
98
5
0.03
0.00
0.03
0.62
0.01
0.62
14
95
13
0.03
0.00
0.03
0.30
0.02
0.30
24
96
23
Asset Servicing % Assets
Mortgage Servicing w/ Recourse
Mortgage Servicing w/o Recourse
Other Financial Assets
Total
0.00
0.00
0.00
0.00
0.00
1.72
0.06
3.54
93
84
92
75
0.00
0.00
0.00
0.00
0.01
1.30
0.06
2.88
93
84
92
76
0.00
0.00
0.00
0.00
0.01
1.04
0.05
2.62
93
85
92
76
0.00
0.00
0.00
0.00
0.01
0.84
0.03
2.07
93
85
93
77
0.00
0.00
0.00
0.00
0.00
0.72
0.02
1.87
93
85
93
77
Supplemental:
Loans to Foreign Governments
Loans to Finance Comml Real Est
FDIC Certificate # 55555
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 555555
County: FIVE
FIVE BANK
Analysis of Concentrations of Credit--Page 7B
FIVE, TX
Concentrations of Credit
Loan & Leases as a % of Total Capital
Construction & Development
1-4 Family Construction
Other Const & Land Development
1-4 Family Residential
Home Equity Loans
Other Real Estate Loans
Farmland
Multifamily
Non-Farm Non-Residential
Owner Occupied Non-Farm Non-Residential
Other Non-Farm Non-Residential
Total Real Estate
BANK
43.18
43.18
0.00
131.37
0.00
182.43
0.00
5.46
176.97
102.58
74.39
356.98
12/31/2012
PG 4
43.44
10.45
29.23
171.58
19.20
262.96
18.83
16.85
214.23
116.07
95.33
484.50
PCT
55
93
5
40
14
25
23
29
43
46
41
22
BANK
15.84
15.84
0.00
111.00
0.00
154.21
0.00
0.00
154.21
115.86
38.35
281.06
12/31/2011
PG 4
47.53
10.62
32.98
176.81
21.31
270.26
18.20
16.59
222.58
123.15
97.23
500.46
PCT
20
72
5
30
14
17
22
7
30
49
20
8
BANK
16.13
16.13
0.00
98.10
0.00
150.11
0.00
0.00
150.11
150.11
0.00
264.33
12/31/2010
PG 4
59.47
13.20
41.34
187.76
24.03
278.61
18.45
16.84
231.36
129.55
100.22
531.25
PCT
15
64
5
21
14
15
22
8
28
64
2
5
BANK
14.54
14.54
0.00
94.41
0.00
156.66
0.00
0.00
156.66
156.66
0.00
265.61
12/31/2009
PG 4
75.61
18.29
50.90
192.44
24.12
277.64
18.24
16.35
230.78
127.97
98.43
554.63
PCT
10
50
5
19
13
17
23
8
29
65
2
4
BANK
7.39
7.39
0.00
76.24
0.00
142.15
0.00
0.00
142.15
142.15
0.00
225.78
12/31/2008
PG 4
96.45
31.25
58.27
185.45
22.22
259.81
16.90
14.75
215.92
112.14
91.88
561.22
PCT
5
19
6
15
14
14
24
10
26
64
3
3
Financial Institution Loans
Agricultural Loans
Commercial & Industrial Loans
Loans to Individuals
Credit Card Loans
Municipal Loans
Foreign Office Loans & Leases
All Other Loans
Lease Financing Receivables
0.00
0.00
356.08
46.49
0.00
0.00
0.00
0.45
0.00
0.28
9.28
77.45
18.04
0.20
1.58
0.00
1.00
0.30
96
41
99
89
81
59
99
61
84
0.00
0.00
337.63
53.82
0.00
0.00
0.00
0.14
0.00
0.40
9.08
82.72
20.76
0.22
1.72
0.04
1.03
0.23
95
41
98
89
80
59
99
46
85
0.00
0.00
353.86
62.89
0.00
0.00
0.00
0.44
0.00
0.26
8.93
90.92
24.47
0.23
1.99
0.04
1.20
0.26
95
42
98
88
80
58
99
59
84
0.00
0.00
303.19
54.72
0.00
0.00
0.00
1.14
0.00
0.28
9.27
97.15
27.18
0.25
1.90
0.03
1.11
0.28
97
42
97
83
79
58
99
73
83
0.00
0.00
343.94
57.19
0.00
0.00
0.00
0.13
0.00
0.21
8.96
102.39
28.43
0.29
2.14
0.04
1.23
0.27
97
41
98
83
77
56
99
30
84
0.00
0.00
0.02
0.33
99
81
0.00
0.00
0.02
0.55
99
79
0.00
0.00
0.02
0.49
99
79
0.00
0.00
0.02
0.46
99
80
0.00
0.00
0.02
0.65
99
79
Commercial Real Estate Loans as a % of Total Capital:
Non-owner OCC Commercial Real Estate
123.03
Total Commercial Real Estate
225.61
164.59
284.19
34
36
54.19
170.06
170.63
296.15
9
20
16.13
166.24
185.58
317.69
2
18
14.54
171.20
201.00
334.12
2
17
7.39
149.54
215.62
343.73
1
13
Commercial Real Estate Loans as a % of Total LN&LS:
Construction & Development
5.68
Non-owner OCC Commercial Real Estate
16.19
Total Commercial Real Estate
29.69
7.13
26.87
46.50
43
21
20
2.36
8.06
25.28
7.40
26.65
46.51
17
7
14
2.37
2.37
24.39
8.64
27.03
46.58
14
1
13
2.33
2.33
27.41
10.43
27.78
46.51
10
1
16
1.18
1.18
23.85
13.03
29.48
47.02
4
0
11
Supplemental:
Loans to Foreign Governments
Loans to Finance Commercial Real Estate
FDIC Certificate # 55555
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 555555
County: FIVE
FIVE BANK
Analysis of Past Due, Nonaccrual & Restructured--Page 8
FIVE, TX
PD, Nonacc & Rest Loans-a
BANK
1.60
0.56
2.16
1.78
12/31/2012
PG 4
0.07
2.30
2.44
0.95
PCT
98
22
52
77
BANK
0.00
0.00
0.00
0.00
12/31/2011
PG 4
0.08
2.90
3.24
1.06
PCT
63
6
4
10
BANK
0.00
0.00
0.00
0.24
12/31/2010
PG 4
0.12
3.23
3.63
1.31
PCT
60
5
3
19
BANK
0.00
0.10
0.10
0.00
12/31/2009
PG 4
0.16
2.79
3.24
1.47
PCT
55
9
6
6
BANK
0.20
0.00
0.20
0.10
12/31/2008
PG 4
0.19
1.97
2.26
1.44
PCT
69
9
12
10
LNS Fin Coml RE-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
N/A
N/A
N/A
N/A
0.02
1.67
1.69
0.19
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.06
0.00
0.00
0.56
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.49
1.01
0.00
0.60
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.02
0.00
0.01
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.02
0.01
0.03
0.01
N/A
N/A
N/A
N/A
Const & Land Dev-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
0.00
0.00
0.00
0.00
4.72
4.88
0.50
93
46
43
67
0.00
0.00
0.00
0.00
0.00
6.82
7.05
0.60
93
39
37
63
0.00
0.00
0.00
3.98
0.01
8.39
8.60
0.88
90
34
32
87
0.00
0.00
0.00
0.00
0.07
7.15
7.51
1.34
86
32
30
50
0.00
0.00
0.00
2.95
0.11
4.22
4.65
1.42
84
39
36
76
1-4 Fam Cons & L Dev-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
0.00
0.00
0.00
0.07
1.25
1.33
0.15
97
82
80
88
0.00
0.00
0.00
0.00
0.28
3.47
3.70
0.22
98
72
71
86
0.00
0.00
0.00
3.98
0.19
4.89
5.03
0.40
95
67
66
91
0.00
0.00
0.00
0.00
0.01
5.82
6.21
0.97
94
61
59
75
0.00
0.00
0.00
2.95
0.06
3.62
4.13
1.39
90
61
59
79
Other Const & Land Dev-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
N/A
N/A
N/A
N/A
0.19
5.25
5.44
0.42
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
7.08
7.29
0.56
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
9.18
9.39
0.75
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.03
6.70
7.11
1.13
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.03
3.81
4.13
1.06
N/A
N/A
N/A
N/A
Single & Multi Mtg-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
1.45
1.45
1.08
0.07
1.80
1.95
1.12
73
56
52
55
0.00
0.00
0.00
0.00
0.08
1.96
2.14
1.25
70
16
14
18
0.00
0.00
0.00
0.00
0.12
2.18
2.40
1.38
68
17
12
16
0.00
0.28
0.28
0.00
0.14
1.75
2.02
1.63
63
27
20
14
0.00
0.00
0.00
0.00
0.14
1.17
1.43
1.48
63
22
17
14
Non-Farm Non-Res Mtg-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
3.23
0.00
3.23
2.75
0.02
2.03
2.17
0.66
98
27
70
88
0.00
0.00
0.00
0.00
0.03
2.54
2.73
0.81
86
24
22
38
0.00
0.00
0.00
0.00
0.05
2.42
2.62
1.00
85
27
23
35
0.00
0.00
0.00
0.00
0.09
1.81
2.13
1.05
82
31
27
35
0.32
0.00
0.32
0.00
0.07
1.22
1.45
0.98
87
43
41
36
Own Occ Non-Farm Non-Res-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.60
0.00
0.60
0.00
0.01
1.78
1.89
0.63
94
40
46
55
0.00
0.00
0.00
0.00
0.01
2.13
2.28
0.73
91
39
36
51
0.00
0.00
0.00
0.00
0.03
2.20
2.36
0.96
89
40
38
47
0.00
0.00
0.00
0.00
0.04
1.57
1.86
0.99
88
46
43
48
0.32
0.00
0.32
0.00
0.04
0.94
1.17
0.85
90
57
55
51
Other Non-Farm Non-Res-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
6.86
0.00
6.86
6.55
0.00
1.89
2.05
0.41
99
52
85
95
0.00
0.00
0.00
0.00
0.00
2.54
2.73
0.55
92
47
44
66
N/A
N/A
N/A
N/A
0.01
2.21
2.40
0.72
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.02
1.59
1.84
0.75
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.01
1.01
1.18
0.68
N/A
N/A
N/A
N/A
% of Non-Current LN&LS by Loan Type
Real Estate LNS-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
Non-Current LN&LS ($000)
90 Days and Over Past Due
Total Nonaccrual LN&LS
Total Non-Current LN&LS
LN&LS 30-89 Days Past Due
1,140
499
1,639
1,464
239
147
386
59
383
0
383
297
375
47
422
256
581
3
584
243
0
0
0
159
0
15
175
0
79
0
0
0
0
0
0
Restructured LN&LS 90+ Days P/D
Restructured LN&LS Nonaccrual
Restructured LN&LS 30-89 Days P/D
1,017
395
0
0
0
0
0
0
0
0
0
0
0
0
0
Current 1-4 Family Restru LN&LS
Current Other Restructured LN&LS
Loans Secured 1-4 RE in Foreclosure
Other Real Estate Owned
0
3,597
0
0
0
2,894
0
0
0
2,072
0
72
0
0
0
0
0
0
0
63
Gtyd LN&LS 90+ Days P/D
Gtyd LN&LS on Nonaccrual
Gtyd LN&LS 30-89 Days P/D
FDIC Certificate # 55555
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 555555
County: FIVE
FIVE BANK
Analysis of Past Due, Nonaccrual & Restructured--Page 8A
FIVE, TX
PD, Nonacc & Rest Loans-b
BANK
0.00
0.00
0.00
0.17
12/31/2012
PG 4
0.02
1.25
1.39
0.59
PCT
86
36
33
45
BANK
0.37
0.00
0.37
0.08
12/31/2011
PG 4
0.04
1.41
1.58
0.74
PCT
91
33
44
37
BANK
0.57
0.00
0.57
0.23
12/31/2010
PG 4
0.06
1.77
1.97
0.92
PCT
90
31
44
42
BANK
0.68
0.00
0.68
0.26
12/31/2009
PG 4
0.08
1.46
1.70
1.08
PCT
91
32
47
35
BANK
0.89
0.00
0.89
0.14
12/31/2008
PG 4
0.10
0.95
1.20
1.12
PCT
91
35
58
28
Loans to Individuals-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
1.12
1.12
0.84
0.03
0.25
0.34
0.89
79
89
86
60
0.00
1.44
1.44
0.05
0.05
0.33
0.46
1.02
74
88
85
28
0.21
0.00
0.21
0.32
0.06
0.34
0.50
1.14
84
51
52
35
0.06
0.00
0.06
1.16
0.09
0.31
0.48
1.35
73
49
42
51
0.00
0.03
0.03
1.37
0.09
0.26
0.43
1.48
64
53
39
53
Credit Card Plans-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
N/A
N/A
N/A
N/A
0.13
0.15
0.17
0.58
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.18
0.18
0.23
0.68
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.24
0.06
0.28
1.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.21
0.39
0.25
1.18
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.44
0.09
0.52
1.20
N/A
N/A
N/A
N/A
Lease Financing-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
N/A
N/A
N/A
N/A
0.00
0.06
0.06
0.05
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.01
0.01
0.12
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.06
0.11
0.41
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.20
0.01
0.05
0.19
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.36
0.02
0.07
0.27
N/A
N/A
N/A
N/A
Agricultural LNS-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
N/A
N/A
N/A
N/A
0.01
0.03
0.03
0.03
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.12
0.13
0.06
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.02
0.15
0.25
0.09
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.13
0.15
0.29
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.01
0.07
0.11
0.15
N/A
N/A
N/A
N/A
Other LN&LS-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
0.00
0.00
0.00
0.00
0.13
0.03
0.04
0.09
95
89
85
75
0.00
0.00
0.00
0.00
0.10
0.04
0.07
0.10
95
88
85
76
0.00
0.00
0.00
0.00
0.00
0.07
0.10
0.10
94
87
83
76
0.00
0.00
0.00
0.00
0.00
0.05
0.09
0.23
93
87
82
72
0.00
0.00
0.00
0.00
0.00
0.01
0.03
0.16
91
91
84
72
Total LN&LS-90+ Days Past Due
-Nonaccrual
-Total
-30-89 DAYS P/D
0.75
0.33
1.08
0.97
0.07
2.23
2.37
0.98
95
15
35
59
0.19
0.12
0.30
0.05
0.09
2.77
2.93
1.10
77
6
8
8
0.32
0.00
0.32
0.25
0.12
3.09
3.30
1.36
81
3
7
15
0.34
0.04
0.38
0.23
0.17
2.66
2.95
1.52
77
5
10
10
0.56
0.00
0.56
0.23
0.19
1.88
2.18
1.53
83
4
22
13
77.35
8.78
2.05
1.08
0.93
3.31
2.38
0.00
0.00
0.00
0.00
120.01
15.16
3.46
3.98
0.63
1.98
1.18
0.29
1.93
0.46
0.00
38
45
36
18
70
73
76
62
95
85
94
21.40
2.14
0.35
0.30
0.00
2.27
2.27
0.00
66.53
0.00
25.42
140.82
20.27
4.15
4.79
0.57
1.91
1.13
0.33
0.02
0.52
0.06
8
11
3
3
49
64
76
61
96
84
98
24.41
2.37
0.56
0.38
0.00
1.71
1.71
0.00
45.69
N/A
26.60
156.37
25.89
4.80
5.17
0.42
1.57
0.97
0.41
0.00
0.56
0.06
8
9
5
4
61
63
72
58
96
N/A
98
32.51
2.39
0.61
0.38
0.00
0.00
0.00
0.00
0.00
0.00
0.00
164.43
22.69
4.61
4.22
0.13
0.85
0.61
0.36
1.30
0.68
0.09
12
12
4
5
73
45
51
59
96
83
90
57.14
3.40
0.80
0.62
0.00
0.00
0.00
0.00
0.00
0.00
0.00
149.26
16.54
3.81
2.87
0.01
0.18
0.12
0.25
0.05
0.60
0.10
25
18
10
16
88
69
72
64
93
85
90
% of Non-Current LN&LS by Loan Type
Coml & Indust LNS-90+ Days P/D
-Nonaccrual
-Total
-30-89 DAYS P/D
Other Pertinent Ratios:
Non-Cur LN&LS to-LN&LS Allowance
-Equity Capital
% Total P/D LN&LS-Incl Nonaccrual
Non Curr LNS+OREO to LNS+OREO
Non-Curr Restruct Debt/Gr LN&LS
Curr+Non-Curr Restruct/GR LN&LS
Current Restruct LN&LS
Loans Sec 1-4 Fam RE in Forclosure as % Tota
Gtyd LN&LS 90+ P/D / LN&LS 90+ P/D
Gtyd Nonaccrual LN&LS / Nonaccrual LN&LS
Gtyd LN&LS 30-89 P/D / LN&LS 30-89 P/D
FDIC Certificate # 55555
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 555555
County: FIVE
FIVE BANK
Interest Rate Risk Analysis as a Percent of Assets--Page 9
FIVE, TX
Interest Rate Risk
Long Assets Insts w/Options
Mortgage Loans & Pass Thrus
Loans & Securities Over 15 Years
Loans & Securities 5-15 Years
BANK
15.86
0.08
5.75
12/31/2012
PG 4
18.89
3.16
4.44
PCT
41
15
66
BANK
15.97
1.53
6.31
12/31/2011
PG 4
18.51
2.78
4.62
PCT
43
48
69
BANK
16.55
0.25
7.65
12/31/2010
PG 4
17.76
2.57
3.67
PCT
48
25
81
BANK
20.02
0.21
9.63
12/31/2009
PG 4
17.91
2.70
3.32
PCT
62
26
88
BANK
20.74
1.38
10.03
12/31/2008
PG 4
18.37
2.70
3.40
PCT
62
51
89
Other Loans and Securities
Loans & Securities Over 15 Years
Loans & Securities 5-15 Years
Total Loans & Securities Over 15 Years
61.54
0.01
4.74
0.10
59.76
2.91
11.65
6.88
54
12
17
5
63.44
0.27
11.60
1.80
60.43
2.44
10.55
5.93
62
21
59
30
69.62
0.31
13.21
0.56
61.57
2.07
9.61
5.04
76
25
70
13
71.35
0.03
7.13
0.24
63.22
1.80
9.18
4.84
77
16
41
10
68.36
0.89
17.65
2.26
66.36
1.40
8.57
4.46
52
51
89
42
CMO'S Total
Avg Life Over 3 Years
0.00
0.00
1.69
0.55
42
59
0.00
0.00
1.82
0.62
43
55
0.00
0.00
1.68
0.71
46
56
0.00
0.00
1.23
0.38
49
65
0.00
0.00
1.18
0.43
49
66
Structured Notes
Mortgage Servicing (FV)
Total
0.00
0.00
0.00
0.44
0.01
0.49
64
87
55
7.93
0.00
7.93
0.80
0.01
0.83
95
88
95
9.95
0.00
9.95
0.84
0.00
0.87
96
90
96
1.17
0.00
1.17
0.56
0.00
0.59
78
90
77
0.00
0.00
0.00
0.14
0.00
0.15
74
90
68
18.53
0.00
30.30
18.26
0.52
9.23
53
71
97
21.91
0.00
17.31
16.48
0.70
8.77
65
68
89
23.94
0.00
13.78
14.92
0.77
8.86
75
67
81
26.13
0.01
12.97
13.46
0.90
9.49
83
65
77
27.99
0.01
12.20
13.41
0.99
11.10
86
63
61
0.00
0.00
0.01
0.10
78
78
0.00
0.00
0.01
0.15
76
76
0.00
0.00
0.00
0.04
80
80
0.00
0.00
0.01
0.09
76
76
0.00
0.00
0.00
0.05
77
77
Contractual Mat/Reprice Data
Loans/Securities Over 3 Year
Liabilities Over 3 Year
Net Over 3 Year Position
27.20
0.00
27.20
40.16
3.09
36.55
21
5
27
30.54
0.00
30.54
36.46
3.18
32.70
36
5
44
34.92
0.00
34.92
34.33
2.84
30.79
54
5
61
42.05
0.00
42.05
35.65
2.50
32.53
67
5
74
48.24
0.00
48.24
35.15
2.59
32.10
80
4
85
Loans/Securities Over 1 Year
Liabilities Over 1 Year
Net Over 1 Year Position
42.19
0.00
42.19
58.12
11.61
45.99
11
0
37
50.92
0.00
50.92
57.35
11.77
45.09
31
0
63
53.83
0.11
53.71
55.78
12.34
42.92
42
0
76
56.06
0.00
56.06
55.74
11.33
43.94
49
0
79
58.58
0.00
58.58
54.72
11.15
43.08
60
0
86
80.12
294.55
-52.92
54.60
149.87
-14.43
98
93
1
76.14
249.35
-45.61
51.07
158.93
-14.53
98
85
4
73.15
209.46
-38.23
47.62
157.54
-13.12
97
75
8
69.05
164.22
-27.00
44.13
138.30
-8.44
96
69
16
68.80
142.62
-20.56
41.23
131.70
-5.98
97
67
22
0.00
0.00
0.00
4.54
0.09
5.05
64
87
55
102.31
0.00
102.31
8.65
0.06
9.01
96
88
96
120.03
0.00
120.03
9.31
0.05
9.64
96
90
96
12.11
0.00
12.11
6.30
0.04
6.69
76
90
75
0.00
0.00
0.00
1.46
0.02
1.66
74
90
68
Overall Risk Indicators
Available for Sale
Held to Maturity
Off Balance Sheet
Unrealized Appreciation/Depreciation
Unrealized App/Dep % Tier One Cap
Non-Maturity Deposits
Non-Maturity Deps % Long Assets
Net Over 3 Year Position
As % Tier 1 Capital
Structured Notes
Mortgage Servicing (FV)
Total
FDIC Certificate # 55555
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 555555
County: FIVE
FIVE BANK
Liquidity & Funding--Page 10
FIVE, TX
Liquidity & Funding
Percent of Total Deposits
Individ, Partnerships, and Corp.
U.S. Govt, States & Political Sub in U.S.
Comml Banks & Other Dep Inst. in U.S.
Banks in Foreign Countries
Foreign Govts and Official Inst.
Total deposits
BANK
99.08
0.92
0.00
0.00
0.00
100.00
12/31/2012
PG 4
91.79
5.98
0.95
0.00
0.00
100.00
PCT
86
20
46
99
99
97
BANK
98.90
1.10
0.00
0.00
0.00
100.00
12/31/2011
PG 4
91.64
6.08
0.97
0.02
0.00
100.00
PCT
85
22
46
99
99
98
BANK
99.02
0.98
0.00
0.00
0.00
100.00
12/31/2010
PG 4
91.54
6.03
1.09
0.01
0.00
100.00
PCT
85
22
45
99
99
98
BANK
97.95
2.05
0.00
0.00
0.00
100.00
12/31/2009
PG 4
91.30
6.40
1.23
0.03
0.00
100.00
PCT
81
27
45
99
99
99
BANK
98.61
1.39
0.00
0.00
0.00
100.00
12/31/2008
PG 4
91.64
6.48
0.92
0.05
0.00
100.00
PCT
83
22
48
99
98
99
Domestic Demand Deposits
Domestic Other Transaction Accts
Domestic Nontransaction Accts
Total Domestic Deposits
Deposits in Foreign Offices
Total Deposits
52.18
4.17
43.65
100.00
0.00
100.00
17.84
12.63
68.40
100.00
0.00
100.00
99
14
4
99
99
99
48.04
4.83
47.13
100.00
0.00
100.00
16.24
11.90
71.02
99.97
0.03
100.00
99
20
4
99
99
99
44.27
3.97
51.77
100.00
0.00
100.00
14.37
11.23
73.61
99.97
0.03
100.00
99
14
4
99
99
99
38.15
6.22
55.63
100.00
0.00
100.00
13.54
10.63
75.04
99.97
0.03
100.00
98
31
6
99
99
99
42.44
4.14
53.43
100.00
0.00
100.00
13.53
9.84
75.95
99.96
0.04
100.00
99
21
3
99
99
99
-19.10
-9.69
90.73
1.58
1,007.00
326.60
-27.61
63.09
64.19
N/A
0.00
0.00
0.00
N/A
N/A
-1.59
10.91
80.29
5.12
346.86
130.01
-3.56
72.08
77.49
50.57
1.35
0.88
2.69
0.44
13.60
11
11
98
17
85
95
5
27
23
N/A
58
74
48
N/A
N/A
-12.89
-2.42
88.63
2.80
459.84
221.06
-18.45
62.07
64.03
N/A
0.00
0.00
0.00
N/A
N/A
0.90
13.76
79.34
5.77
253.99
111.03
-0.37
73.93
80.25
52.61
1.74
0.85
3.07
0.09
11.30
13
13
92
28
79
91
11
20
17
N/A
54
75
47
N/A
N/A
-3.52
8.30
88.74
12.57
43.78
153.94
-9.67
67.31
69.21
N/A
0.00
N/A
N/A
N/A
N/A
3.25
16.67
78.29
14.75
68.82
100.86
1.87
76.71
84.47
54.59
2.30
0.00
0.00
2.40
11.66
28
27
94
42
41
83
21
24
19
N/A
50
N/A
N/A
N/A
N/A
14.75
14.75
74.58
14.75
9.64
120.03
-4.06
72.79
86.49
N/A
0.00
N/A
N/A
0.00
N/A
21.87
21.31
63.96
17.35
46.06
85.75
6.07
81.08
109.44
65.88
3.32
0.00
0.00
0.78
13.25
30
31
84
41
16
80
21
25
21
N/A
48
N/A
N/A
85
N/A
14.31
14.31
73.98
15.53
18.39
98.10
0.39
67.59
81.78
N/A
0.00
N/A
N/A
N/A
N/A
26.18
25.54
61.87
18.82
28.61
80.90
8.02
86.95
119.61
63.38
3.88
0.00
0.00
0.76
0.00
21
22
85
40
49
70
28
12
12
N/A
48
N/A
N/A
N/A
N/A
Liquidity/Funding Ratios
Net Non Core Fund Dep $250M
Net Non Core Fund Dep $100M
Core Deposits
Short Term Non Core Funding
S.T Inv to S.T. Ncore Fund
S.T. Asset to S.T. Liabilities
Net S.T. Liabilities to Assets
Net Loans & Leases to Deposits
Net LN&LS to Core Deposits
Brkr Dep Mat < 1 Yr to Brkr Deps
Brokered Deposits to Deposits
Listing Service Dep to Deposits
List Service and Brkrd Dep to Deps
Sec Bor + sec FFP to Tot Bor + FFP
Recip Brkrd Dep to Tot Brkrd Dep
Total Deposits
Individ, Partnerships, and Corp.
U.S. Govt, States & Political Sub in U.S.
Comml Banks & Other Dep Inst. in U.S.
Banks in Foreign Countries
Foreign Govts and Official Inst.
Total Deposits
234,343
2,183
0
0
0
236,526
199,931
2,229
0
0
0
202,160
175,710
1,743
0
0
0
177,453
148,504
3,111
0
0
0
151,615
149,542
2,113
0
0
0
151,655
Domestic Demand Deposits
Domestic Other Transaction Accts
Domestic Nontransaction Accts
Total Domestic Deposits
Deposits in Foreign Offices
Total Deposits
123,426
9,862
103,238
236,526
0
236,526
97,114
9,760
95,286
202,160
0
202,160
78,552
7,037
91,864
177,453
0
177,453
57,839
9,435
84,341
151,615
0
151,615
64,355
6,278
81,022
151,655
0
151,655
Other Liquidity/Funding Data
Non Core Liabilities $250M
Non Core Liabilities $100M
Short Term Non Core Funding
Core Deposits
Time Deps $250M & Under Mat < 1 Yr
Time Deps $250M & Under Mat > 1 Yr
Time Deps over $250M Mat < 1 Yr
Time Deps over $250M Mat > 1 Yr
Fed Home Loan Bor Mat < 1 Yr
Fed Home Loan Bor Mat > 1 Yr
Other Borrowing Mat < 1 Year
Other Borrowing Mat > 1 Year
Secured Other Borrowings
Federal Funds Purchased
Secured Fed Funds Purchased
Listing Service Deposits
Brokered Deposits
Reciprocal Brokered Deposits
4,050
22,128
4,044
232,476
27,179
-1
4,044
6
0
0
0
0
0
0
0
0
0
0
6,188
24,267
6,188
195,972
27,518
96
6,188
0
0
0
0
0
0
0
0
0
0
0
4,881
24,450
24,450
172,572
N/A
N/A
N/A
N/A
0
0
0
0
0
0
0
N/A
0
0
25,237
25,237
25,237
127,598
N/A
N/A
N/A
N/A
0
0
0
0
0
1,220
0
N/A
0
0
26,313
26,313
26,313
125,342
N/A
N/A
N/A
N/A
0
0
0
0
0
0
0
N/A
0
N/A
FDIC Certificate # 55555
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 555555
County: FIVE
FIVE BANK
Liquidity & Investment Portfolio--Page 10A
FIVE, TX
Liquidity & Inv Portfolio
BANK
15.89
0.00
58.24
1.61
12/31/2012
PG 4
9.46
0.00
62.02
22.11
PCT
80
89
36
5
BANK
12.87
0.00
56.75
3.17
12/31/2011
PG 4
8.69
0.00
63.48
22.30
PCT
73
90
27
9
BANK
5.50
0.00
61.42
3.75
12/31/2010
PG 4
8.36
0.00
65.77
22.31
PCT
34
88
34
10
BANK
1.42
0.00
64.50
5.67
12/31/2009
PG 4
6.80
0.01
68.40
18.85
PCT
12
87
35
23
BANK
2.86
0.00
60.50
N/A
12/31/2008
PG 4
4.35
0.01
71.87
0.00
PCT
45
85
18
N/A
Securities Mix
% Total Securities
US Treas & Govt Agencies
Municipal Securities
Pass-Through Mtg Backed Secs
CMO & REMIC Mtg Backed Secs
Commercial Mtg Back Secs
Asset Backed Securities
Structured Financial Products
Other Domestic Debt Secs
Foreign Debt Securities
Inv Mut Fnd & Oth Mktbl
Total
30.81
30.02
31.57
0.00
0.00
0.00
0.00
7.60
0.00
0.00
100.00
25.72
23.77
23.58
8.54
0.02
0.44
0.18
1.02
0.18
0.02
100.00
61
61
63
41
91
95
96
90
96
89
99
45.57
11.69
29.99
0.00
0.00
0.00
0.00
12.75
0.00
0.00
100.00
29.19
21.63
22.95
9.34
0.00
0.22
0.08
0.95
0.08
0.01
100.00
70
37
60
42
94
96
96
94
98
90
99
48.62
4.36
32.36
0.00
0.00
0.00
0.00
14.66
0.00
0.00
100.00
32.60
21.12
20.29
8.93
0.00
0.06
0.07
0.82
0.07
0.02
100.00
69
26
68
46
94
97
96
95
98
88
99
44.83
4.02
40.30
0.00
0.00
0.00
0.00
10.85
0.00
0.00
100.00
33.56
20.31
21.55
7.41
0.00
0.13
0.09
0.78
0.13
0.04
100.00
63
28
75
49
94
97
96
94
98
87
99
48.80
3.66
47.54
0.00
N/A
0.00
N/A
0.00
0.00
0.00
100.00
32.98
19.21
24.00
6.90
0.00
0.20
0.00
0.94
0.09
0.05
100.00
68
28
77
48
N/A
97
N/A
73
98
85
99
Liquidity/Securities Ratios:
App (Dep) Hi Risk & Struc/T1 Cap
App (Dep) in AFS sec to AFS Sec
App (Dep) in HTM Sec to HTM Sec
App (Dep) in HTM Sec to Eqy Cap
Pledged Securities to Tot Sec
Pledged Loans to Total Loans
Loans Held for Sale to Total Loans
0.00
1.60
0.00
0.00
8.67
0.00
5.73
0.01
1.92
2.11
0.09
33.99
21.27
0.35
74
45
25
78
17
32
95
0.42
1.54
0.00
0.00
14.46
0.00
2.66
0.02
1.89
2.11
0.14
35.93
20.81
0.24
96
43
25
76
22
32
93
-4.70
-0.33
0.00
0.00
15.66
0.00
1.16
-0.09
0.44
0.85
0.04
39.67
20.15
0.25
1
29
40
80
20
33
86
0.05
1.98
0.00
0.00
21.68
0.00
1.34
-0.03
1.20
1.28
0.09
43.95
14.66
0.16
90
69
35
76
25
50
92
0.00
3.13
0.00
0.00
28.03
N/A
1.58
0.01
0.83
0.19
0.05
46.19
0.00
0.12
82
94
40
77
30
N/A
95
Percent of Total Assets
Short Term Investments
Marketable Equity Sec (MES)
Net LN&LS & SBLC to Assets
Pledged Assets
Short Term Investments
Short Term Assets
Debt Securities 90+ Days P/D
Total Non-Current Debt Sec
Fair Value Structured Notes
Pledged Securities
Pledged Loans & Leases
Loans Held for Sale
40,723
101,973
0
0
0
4,117
0
8,670
28,455
74,511
0
0
17,600
7,003
0
3,389
10,704
53,694
0
0
18,592
7,291
0
1,400
2,433
41,655
0
0
2,009
9,696
0
1,501
4,840
34,412
0
0
0
13,299
N/A
1,633
FDIC Certificate # 55555
OCC Charter # 0
Public Report
Capital Ratios
Percent of Bank Equity:
Net Loans & Leases (x)
Subord Notes & Debentures
Long Term Debt
Com RE & Related Ventures
Percent of Average Bank Equity:
Net Income
Dividends
Retained Earnings
Other Capital Ratios:
Dividends to Net Operating Income
Bank Eq Cap + Min Int to Assets
Growth Rates:
Total Equity Capital
Equity Growth Less Asst Growth
Intang Assets % Bank Equity
Mortgage Servicing Rights
Goodwill
Purch Credit Card Relations
All Other Intangibles
Total Intangibles
Risk-Based Capital
Tier One RBC to Risk-Wgt Assets
Total RBC to Risk-Weight Assets
Tier One Leverage Capital
Other Capital Ratio:
Def Tax Asset to T1 Cap
End of Period Capital ($000)
Perpetual Preferred
+ Common Stock
+ Surplus
+ Undivided Profits
+ Accum Other Comp Income
+ Other Equity Capital Comp
Total Bank Equity Capital
Minority Interest Cons Subs
Total Bank Capital & Min Int
Subordinated Notes & Debentures
Changes in Bank Equity ($000)
Balance at Beginning of Period
+ Net Income
+ Sales or Purchase of Capital
+ Merger & Absorptions
+ Restate due to Acctg Error&Chg
+ Trans with Parent
- Dividends
+ Other Comprehensive Income
Balance at End of Period
Intangible Assets
Mortgage Servicing Rights
+ Purch Credit Card Relations.
+ Other Intangibles
+ Goodwill
Total Intangibles
FRB District/ID_RSSD 11 / 555555
County: FIVE
FIVE BANK
Capital Analysis--Page 11
FIVE, TX
Capital Analysis-a
BANK
12/31/2012
PG 4
PCT
BANK
12/31/2011
PG 4
PCT
BANK
12/31/2010
PG 4
PCT
BANK
12/31/2009
PG 4
PCT
BANK
12/31/2008
PG 4
PCT
8.00
0.00
0.00
234.90
6.20
0.32
0.32
282.50
81
98
98
41
6.96
0.00
0.00
178.51
6.46
0.21
0.21
298.28
61
98
98
23
7.39
0.00
0.00
182.99
7.08
0.22
0.22
330.82
58
98
98
22
6.26
0.00
0.00
173.46
7.37
0.10
0.10
341.22
29
98
98
18
5.97
0.00
0.00
144.14
7.57
0.28
0.28
347.12
24
98
98
13
19.58
16.19
3.39
5.97
2.32
2.96
96
97
47
19.51
13.88
5.63
3.08
1.82
0.75
97
97
73
16.27
14.55
1.72
0.21
1.77
-2.11
94
98
44
14.97
11.09
3.87
-0.65
2.13
-3.30
92
95
68
12.69
9.72
2.97
4.06
3.23
0.13
84
87
57
82.71
7.28
30.59
10.28
87
8
71.14
8.15
28.55
10.14
85
14
89.46
8.31
30.98
9.62
92
25
74.13
10.31
41.67
9.55
77
68
76.62
10.14
53.20
9.74
69
66
3.53
-12.35
4.33
0.99
43
8
11.48
-2.21
6.21
3.62
74
24
-8.34
-22.01
0.98
-0.95
16
8
2.72
1.75
2.90
-2.98
44
61
10.74
-10.41
3.32
-2.98
81
22
0.00
0.00
0.00
0.59
0.59
0.07
0.56
0.08
0.08
1.17
87
80
96
90
70
0.00
0.00
0.00
0.87
0.87
0.05
0.64
0.06
0.08
1.21
88
78
96
91
71
0.00
0.00
0.00
1.26
1.26
0.04
0.80
0.03
0.10
1.35
90
79
97
92
74
0.00
0.00
0.00
1.43
1.43
0.03
0.91
0.05
0.12
1.44
90
78
96
91
75
0.00
0.00
0.00
1.74
1.74
0.02
1.20
0.04
0.16
1.74
90
76
97
91
76
9.68
10.83
6.92
14.86
16.06
9.80
7
7
8
11.14
12.31
7.71
14.41
15.62
9.57
18
17
15
11.56
12.73
8.38
13.39
14.59
9.16
29
29
33
13.41
14.51
9.55
12.65
13.81
9.09
66
65
63
13.55
14.49
9.20
12.42
13.53
9.34
71
70
54
0.00
0.96
60
0.00
1.02
59
0.00
1.53
49
0.00
1.54
49
0.00
1.67
45
0
2,042
11,765
4,854
746
-744
18,663
0
18,663
0
2,042
11,765
4,227
737
-744
18,027
0
18,027
0
2,042
11,767
3,259
-154
-744
16,170
0
16,170
0
2,042
11,765
2,966
868
0
17,641
0
17,641
0
1,999
11,449
2,288
1,438
0
17,174
0
17,174
0
0
0
0
0
18,027
3,632
0
0
0
0
3,004
8
18,663
16,170
3,347
0
0
0
0
2,381
891
18,027
17,641
2,798
-744
0
0
0
2,503
-1,022
16,170
17,174
2,617
359
0
0
0
1,940
-569
17,641
15,508
2,027
223
0
0
0
1,553
969
17,174
0
0
110
0
110
0
0
157
0
157
0
0
204
0
204
0
0
252
0
252
0
0
299
0
299
FDIC Certificate # 55555
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 555555
County: FIVE
12/31/2012
Risk Based Capital ($000)
Tier One Capital
Total Equity Capital Adjusted
- Ineligible Def Tax Assets
- Ineligible Intangibles
- Cumul Change F.V. Financial Liab
Net Tier One
FIVE BANK
Capital Analysis--Page 11A
12/31/2011
FIVE, TX
12/31/2010
Capital Analysis-b
12/31/2009
12/31/2008
17,917
0
110
0
17,807
17,290
0
157
0
17,133
16,324
0
204
0
16,120
16,773
0
252
0
16,521
15,736
0
299
0
15,437
0
0
2,107
0
0
2,107
0
0
1,790
0
0
1,790
0
0
1,636
0
0
1,636
0
0
1,353
0
0
1,353
0
0
1,074
0
0
1,074
Total RBC Before Deductions
Tier One & Tier Two
Tier Three & Fin Sub Adj
- Deductions for Total RBC
Total Risk-Based-Capital
19,914
0
0
19,914
18,923
0
0
18,923
17,756
0
0
17,756
17,874
0
0
17,874
16,511
0
0
16,511
Risk-Weighted Assets
On-Balance Sheet
Category Two - 20%
Category Three - 50%
Category Four - 100%
Total On-Balance Sheet
Memo: Category One - 0%
18,404
10,623
139,025
168,052
5,205
9,836
10,394
123,720
143,950
28,334
8,886
8,709
120,672
138,267
13,469
8,060
8,414
106,315
122,789
7,820
11,289
6,294
96,030
113,613
3,658
Off-Balance Sheet
Category Two - 20%
Category Three - 50%
Category Four - 100%
Total Off-Balance Sheet
Memo: Category One - 0%
0
15,324
542
15,866
0
0
0
9,825
9,825
0
0
0
1,217
1,217
0
0
0
372
372
0
0
0
347
347
0
183,918
126
0
0
183,793
153,775
88
0
0
153,688
139,484
0
0
0
139,485
123,161
0
0
0
123,161
113,960
0
0
0
113,960
Tier Two Capital
+ Qualif Debt and Redeem Pfd
+ Cumulative Preferred Stock
+ Allowable LN&LS Loss Allow
+ Unrl Gain Mktbl Eqy Sec (45%)
+ Other Tier 2 Capital Comp
Net Eligible Tier Two
Adjustments to Risk-Wgt Assets
Risk-Weighted Asset Before Ded
- Excess Allowable LN&LS Loss Al
- Allocated Transfer Risk Reserve
+ Mkt Risk Asset & Fin Sub Adj
Total Risk-Weighted Assets
FDIC Certificate # 55555
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 555555
County: FIVE
FIVE BANK
One Quarter Annualized Income Analysis--Page 12
FIVE, TX
Income Statement 1-Qtr-Ann
BANK
12/31/2012
PG 4
PCT
BANK
9/30/2012
PG 4
PCT
BANK
6/30/2012
PG 4
PCT
BANK
3/31/2012
PG 4
PCT
BANK
12/31/2011
PG 4
PCT
3.61
0.06
3.55
1.85
3.78
0.14
1.48
0.00
1.48
1.45
1.59
0.00
0.98
1.45
4.15
0.57
3.58
0.72
3.40
0.27
0.69
0.05
0.79
0.60
0.52
0.00
0.52
0.60
18
0
49
91
70
45
80
63
77
87
88
99
74
87
3.76
0.09
3.67
1.49
3.68
0.11
1.37
0.00
1.37
1.35
1.45
0.00
0.91
1.35
4.24
0.61
3.62
0.71
3.32
0.23
0.83
0.05
0.91
0.69
0.65
0.00
0.60
0.69
22
1
54
88
70
42
71
62
68
82
82
99
68
82
3.97
0.10
3.87
1.62
3.70
0.12
1.67
0.00
1.67
1.64
1.77
0.00
1.10
1.64
4.28
0.65
3.63
0.66
3.28
0.27
0.78
0.06
0.88
0.67
0.66
0.00
0.59
0.67
31
1
67
91
71
39
85
60
82
90
90
99
83
90
4.24
0.12
4.11
1.49
3.67
0.17
1.77
0.00
1.77
1.74
1.91
0.00
1.16
1.74
4.34
0.70
3.63
0.67
3.28
0.27
0.78
0.04
0.85
0.64
0.64
0.00
0.56
0.64
42
1
82
90
71
45
89
68
87
93
93
99
88
93
4.09
0.15
3.94
1.43
3.59
0.15
1.63
0.00
1.63
1.61
1.72
0.00
1.08
1.61
4.45
0.77
3.67
0.66
3.40
0.56
0.38
0.04
0.44
0.26
0.20
0.00
0.22
0.26
26
1
68
87
64
34
85
66
83
91
91
99
83
91
Margin Analysis:
Int Inc (TE) to Avg Earn Assets
Int Expense to Avg Earn Assets
Net Int Inc-TE to Avg Earn Assets
3.91
0.07
3.84
4.51
0.61
3.89
18
0
48
4.06
0.09
3.97
4.60
0.66
3.93
20
1
54
4.30
0.11
4.19
4.65
0.70
3.94
29
1
67
4.65
0.14
4.52
4.72
0.76
3.94
46
1
83
4.43
0.16
4.27
4.83
0.84
3.99
26
1
68
Loan & Lease Analysis:
Net Loss to Average Total LN&LS
Earnings Coverage of Net Loss (X)
LN&LS Allowance to Net Losses (X)
0.00
N/A
N/A
0.53
4.13
3.05
21
N/A
N/A
0.02
127.14
72.46
0.42
-0.53
0.99
28
96
95
0.00
N/A
N/A
0.46
4.50
4.86
23
N/A
N/A
-0.01
-518.00
-237.00
0.46
6.48
4.83
16
1
2
0.07
42.43
19.61
1.02
4.98
5.09
21
92
88
120.04
-3.97
33.97
0.43
86
23
38.41
10.81
13.62
4.42
78
86
135.26
-7.11
19.74
3.46
96
9
32.45
13.67
12.98
3.99
77
93
68.42
6.28
24.96
-1.77
81
75
5.67
5.67
4.24
4.07
4.34
5.85
14.40
N/A
N/A
N/A
1.83
1.65
0.57
2.06
2.06
0.26
N/A
5.75
5.73
5.69
5.61
5.74
6.02
7.55
10.33
5.20
0.00
2.35
2.08
1.49
1.80
3.11
0.35
0.20
48
48
1
6
2
49
95
N/A
N/A
N/A
31
28
12
63
16
47
N/A
5.84
5.84
6.09
5.68
6.31
5.95
6.22
N/A
N/A
N/A
2.30
2.14
0.63
2.40
2.62
0.23
N/A
5.81
5.80
5.76
5.71
5.81
6.08
7.46
10.62
5.18
0.00
2.46
2.20
1.63
2.06
3.17
0.33
0.22
53
55
72
52
75
49
27
N/A
N/A
N/A
46
46
11
67
28
39
N/A
5.84
5.84
5.64
4.28
6.31
5.95
6.27
N/A
N/A
N/A
2.69
2.52
0.96
2.84
3.00
0.24
N/A
5.84
5.82
5.76
5.73
5.80
6.09
7.57
10.24
5.21
0.00
2.59
2.34
1.72
2.30
3.30
0.34
0.21
53
54
43
7
77
49
28
N/A
N/A
N/A
55
61
17
75
35
44
N/A
5.95
5.95
5.95
6.24
5.76
5.98
6.48
N/A
N/A
N/A
3.31
3.18
3.00
3.00
3.81
0.25
N/A
5.88
5.86
5.82
5.75
5.85
6.13
7.64
9.90
5.21
0.00
2.76
2.49
1.87
2.49
3.39
0.35
0.20
57
59
58
70
44
48
29
N/A
N/A
N/A
73
82
88
73
66
49
N/A
6.08
6.08
6.19
4.83
7.03
6.00
6.56
N/A
N/A
N/A
2.98
2.87
2.57
2.93
3.37
0.25
N/A
5.98
5.97
5.92
5.84
5.94
6.29
7.93
9.61
5.77
0.00
2.82
2.58
1.96
2.62
3.50
0.35
0.23
60
60
68
18
90
44
27
N/A
N/A
N/A
58
64
74
67
42
47
N/A
Total Interest Bearing Deposits
Transaction accounts
Other Savings Deposits
Time Deps Over $100M
All Other Time Deposits
Foreign Office Deposits
0.14
0.04
0.04
0.40
0.38
N/A
0.70
0.24
0.33
1.13
1.11
0.00
1
8
0
2
2
N/A
0.19
0.00
0.06
1.32
0.19
N/A
0.75
0.26
0.35
1.20
1.18
0.00
1
2
1
64
0
N/A
0.23
0.00
0.06
0.64
0.53
N/A
0.79
0.27
0.38
1.25
1.23
0.33
2
3
0
7
3
N/A
0.26
0.04
0.07
0.68
0.62
N/A
0.86
0.30
0.42
1.33
1.32
0.38
2
4
1
7
4
N/A
0.30
0.00
0.09
0.79
0.69
N/A
0.95
0.32
0.46
1.42
1.43
0.39
2
3
2
8
5
N/A
Federal Funds Purchased & Repos
Other Borrowed Money
Subord Notes & Debentures
All Interest-Bearing Funds
N/A
N/A
N/A
0.14
0.32
2.47
5.45
0.77
N/A
N/A
N/A
1
N/A
N/A
N/A
0.19
0.37
2.51
5.59
0.82
N/A
N/A
N/A
1
N/A
N/A
N/A
0.23
0.31
2.80
5.01
0.86
N/A
N/A
N/A
2
N/A
N/A
N/A
0.26
0.30
2.67
4.58
0.93
N/A
N/A
N/A
2
N/A
N/A
N/A
0.30
0.40
2.65
5.94
1.02
N/A
N/A
N/A
2
Earnings and Profitability
Percent of Average Assets:
Interest Income (TE)
- Interest Expense
Net Interest Income (TE)
+ Noninterest Income
- Noninterest Expense
- Provision: Loan & Lease Losses
Pretax Operating Income (TE)
+ Realized Gains/Losses Sec
Pretax Net Operating Income (TE)
Net Operating Income
Adjusted Net Operating Income
Net Inc Attrib Min Ints
Net Income Adjusted Sub S
Net Income
Capitalization
Cash Dividends to Net Income
Retain Earns to Avg Total Equity
Yield on or Cost of:
Total Loan & Leases (TE)
Loans in Domestic Offices
Real Estate
Secured by 1-4 Fam Resi Prop
All Other Loans Sec Real Estate
Commercial & Industrial
Individual
Credit Card
Agricultural
Loans in Foreign Offices
Total Investment Securities (TE)
Total Investment Securities (Book)
US Treas & Agency (Excl MBS)
Mortgage Backed Securities
All Other Securities
Interest-Bearing Bank Balances
Federal Funds Sold & Resales
FDIC Certificate # 55555
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 555555
County: FIVE
FIVE BANK
Securitization & Asset Sale Activities--Page 13
FIVE, TX
Securitization & Asset Sale-a
Percent Change
1 Quarter
1 Year
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
N/A
N/A
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
0.00
N/A
N/A
Asset Backed Comml Paper Conduits
CR Exp Spons by Bank & Other
Liquid Comm by Bank & Other
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
N/A
N/A
N/A
N/A
N/A
N/A
Activity % Total Assets
Securitization Activities
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Asset Backed Comml Paper Conduits
Cr Exp Spons by Bank & Other
Liquid Comm by Bank & Other
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
17.29
0.00
0.00
6.12
46.85
29.74
16.50
0.00
0.00
8.00
50.19
25.30
14.39
0.00
0.00
9.23
51.92
24.46
15.11
0.00
0.00
8.76
48.54
27.59
12.16
0.00
0.00
9.12
54.85
23.87
Securitization Activities
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
12/31/2012
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12/31/2011
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12/31/2010
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12/31/2009
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12/31/2008
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Retained Interest-Only Strips
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Retained Credit Enhancements
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Unused Liquidity Commitments
0.00
0.00
Sellers Interest in Secs & Loans
Home Equity Lines
Credit Card Receivables
Commercial & Industrial Loans
0.00
0.00
0.00
0.00
Total Retained Credit Exposure
Percent of Tot Managed Assets on
Balance Sheet & Sec Assets
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
FDIC Certificate # 55555
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 555555
County: FIVE
FIVE BANK
Securitization & Asset Sale Activities--Page 13A
12/31/2012
FIVE, TX
12/31/2010
Securitization & Asset Sale-b
12/31/2009
12/31/2008
% Tot Securitization Act by Type
Retained Int Only Strips
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Retained Credit Enhancement
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Unused Comm to Provide Liquidity
Sellers Int in Secs & LNS % Trust
Home Equity Lines
Credit Card Receivables
Commercial & Industrial Loans
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Percent of Tier 1 Capital
Total Retained Credit Exposure
Retained Interest-Only Strips
Retained Credit Enhancements
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
30-89 Day PD Securitized Assets
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Total 30-89 Day PD Secur Assets
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
90+ Days PD Securitized Assets
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Total 90+ Days PD Secur Assets
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Total Past Due Securitized Assets
0.00
0.00
0.00
0.00
0.00
Net Losses Securitized Assets
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Total Net Charge Off Secur Asset
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
FDIC Certificate # 55555
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 555555
County: FIVE
12/31/2012
FIVE BANK
Securitization & Asset Sale Activities--Page 13B
12/31/2011
FIVE, TX
12/31/2010
Securitization & Asset Sale-c
12/31/2009
12/31/2008
30-89 Day PD Securitized Assets %
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Total 30-89 Days PD Secur Asset
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
90+ Day PD Securitized Assets %
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Total 90+ Day PD Secur Asset
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total PD Securitized Asets %
N/A
N/A
N/A
N/A
N/A
Net Losses on Securitized Assets%
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Auto Loans
Commercial & Industrial Loans
All Other Loans and Leases
Net Losses on Securitized Assets
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
30-89 DAY PD managed assets %
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Commercial & Industrial Loans
All Other Loans and Leases
Total 30-89 Day PD Manage Asset
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
90+ DAY PD MANAGED ASSETS %
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Commercial & Industrial Loans
All Other Loans and Leases
Total 90+ Day PD Manage Asset
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Past Due Managed Assets %
N/A
N/A
N/A
N/A
N/A
Net Losses on Managed Assets %
1-4 Family Residential Loans
Home Equity Lines
Credit Card Receivables
Commercial & Industrial Loans
All Other Loans and Leases
Net Losses on Managed Assets
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
FDIC Certificate # 55555
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 555555
County: FIVE
12/31/2012
%Total
34.47
16.46
0.00
9.47
0.00
37.31
2.28
0.00
100.00
%MGD
97
29
N/A
2
N/A
76
68
N/A
68
9/30/2012
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%MGD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
9.47
N/A
2
N/A
N/A
N/A
N/A
(#)
81
18
0
26
0
47
6
0
178
1
N/A
26
%Total
45.51
10.11
0.00
14.61
0.00
26.40
3.37
0.00
100.00
%MGD
95
50
N/A
12
N/A
89
67
N/A
76
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%MGD
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
12
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
14.61
N/A
N/A
'($000)'
442
130
0
83
0
231
24
0
3
0
913
607
0
0
306
N/A
%FID IN
48.41
14.24
0.00
9.09
0.00
25.30
2.63
0.00
0.33
0.00
100.00
66.48
0.00
0.00
33.52
N/A
23.82
%Change
0
0
N/A
36
N/A
20
0
N/A
50
N/A
7
11
N/A
N/A
0
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%FID IN
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Bank
1
1
N/A
1
N/A
0
N/A
1
0
N/A
TRST305
0.72
0.39
0.30
0.47
2.43
0.57
1.10
0.46
0.16
0.00
PCT
70
68
N/A
60
N/A
26
N/A
68
74
N/A
'($000)'
0
0
0
0
0
0
0
0
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
0
0
0
0
0
0
0
0
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Fiduciary and Related Assets
Personal Trust and Agency
Employee Benefit DC
Employee Benefit DB
Other EB & Retirement-Related
Corporate Trust and Agency
Inv Mgmt & Inv Advisory Agency
Foundation & Endowment Trust & Agency
Other Fiduciary
Total Fiduciary Assets
Custody and Safekeeping
Memo: Accts in Foreign Offices
Memo: IRA, HSA & Other
'($000)'
48,959
23,385
0
13,452
0
53,002
3,243
0
142,041
1,067
N/A
13,452
Total Fiduciary and Related Accounts
Personal Trust and Agency
Employee Benefit DC
Employee Benefit DB
Other EB & Retirement-Related
Corporate Trust and Agency
Inv Mgmt & Inv Advisory Agency
Foundation & Endowment Trust & Agency
Other Fiduciary
Total Number of Accounts
Custody and Safekeeping
Memo: Accts in Foreign Offices
Memo: IRA, HSA & Other
Fiduciary and Related Services Income
Personal Trust and Agency
Employee Benefit DC
Employee Benefit DB
Other EB & Retirement-Related
Corporate Trust and Agency
Inv Mgmt & Inv Advisory Agency
Foundation & Endowment Trust & Agency
Other Fiduciary
Custody and Safekeeping
Other Related Services
Gross Fiduciary and Related Income
Less: Expenses
Less:Net Losses
Plus: Intra-company Credits
Net Fiduciary and Related Income
Memo: Fiduciary Income - Foreign
Gross Fiduciary Income % Nonint Inc
Fiduciary Income % Fiduciary Assets
Personal Trust and Agency
Employee Benefit DC
Employee Benefit DB
Other EB & Retirement-Related
Corporate Trust and Agency
Inv Mgmt & Inv Advisory Agency
Other Fiduciary
Total Fiduciary Assets
Custody and Safekeeping
Memo: Fiduciary Income Foreign
Collective/Common Trust Fund Assets
Domestic Equity
International/Global Equity
Stock/Bond Blend
Taxable Bond
Municipal Bond
Short Term/Money Market
Specialty/Other
Total Trust Funds
Collective/Common Trust Fund Accounts
Domestic Equity
International/Global Equity
Stock/Bond Blend
Taxable Bond
Municipal Bond
Short Term/Money Market
Specialty/Other
Total Trust Funds
FIVE BANK
Fiduciary & Related Services--Page 14
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
46,517
23,706
0
11,713
0
24,104
3,088
0
109,128
1,537
N/A
11,713
FIVE, TX
12/31/2011
%Total
42.63
21.72
0.00
10.73
0.00
22.09
2.83
0.00
100.00
N/A
10.73
Fiduciary Services-a
12/31/2012
%Change
5.25
-1.35
N/A
14.85
N/A
119.89
5.02
N/A
30.16
-30.58
N/A
N/A
2
14.85
%MGD
97
31
N/A
2
N/A
88
66
N/A
70
%Total
46.29
11.43
0.00
11.43
0.00
27.43
3.43
0.00
100.00
%MGD
95
55
N/A
15
N/A
88
67
N/A
78
N/A
N/A
(#)
81
20
0
20
0
48
6
0
175
1
N/A
20
N/A
11.43
N/A
15
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
442
130
0
61
0
193
24
0
2
0
852
547
0
0
305
N/A
%FID IN
51.88
15.26
0.00
7.16
0.00
22.65
2.82
0.00
0.23
0.00
100.00
64.20
0.00
0.00
35.80
N/A
27.97
%Change
0
13
N/A
11
N/A
8
4
N/A
-33
N/A
5
-17
N/A
N/A
94
N/A
Bank
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
PCT
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
0
0
0
0
0
0
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
0
0
0
0
0
0
0
0
%Change
0.00
-10.00
N/A
30.00
N/A
-2.08
0.00
N/A
1.71
0.00
N/A
30.00
Bank
1
1
N/A
1
N/A
1
N/A
1
0
N/A
TRST305
0.72
0.39
0.26
0.49
1.94
0.57
15.57
0.45
0.16
0.00
PCT
75.00
69.00
N/A
45.00
N/A
73.00
N/A
79.00
50.00
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
FDIC Certificate # 55555
OCC Charter # 0
Public Report
FRB District/ID_RSSD 11 / 555555
County: FIVE
12/31/2012
%Rev TRST305
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
Gross Fiduciary Losses - Managed
Personal Trust and Agency
EB & Retirement Related Trust & Agency
Inv Mgmt & Inv Advisory Agency
Other Fiduciary
Total Gross Managed Losses
'($000)'
0.00
0.00
0.00
0.00
0.00
Gross Fiduciary Losses - Non Managed
Personal Trust and Agency
EB & Retirement Related Trust & Agency
Inv Mgmt & Inv Advisory Agency
Other Fiduciary
Total Gross Non Managed Losses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Fiduciary Losses - ALL
Personal Trust and Agency
EB & Retirement Related Trust & Agency
Inv Mgmt & Inv Advisory Agency
Other Fiduciary
Total Net Losses
0.00
0.00
0.00
0.00
0.00
Corporate Trust and Agency
Corporate and Muni Trusteeships
Issues in Default
All Other Corporate
Managed Assets in Fiduciary Accts
Noninterest-Bearing Deposits
Interest-Bearing Deposits
U.S. Treasury & Agency
State, County & Municipal
Money Market Mutual Funds
Equity Mutual Funds
Other Mutual Funds
Common & Collective Funds
Other Short-Term Obligations
Other Notes and Bonds
Unregistered Funds & Private Equity
Other Common & Preferred Stocks
Real Estate Mortgages
Real Estate
Miscellaneous Assets
Total Managed Assets
Memo: Fiduciary Assets in Advised or Sponsored Mutual Funds
Peer Group Descriptions for Fiduciary & Related Services:
Trust Assets less than $250 million
Memo: Fiduciary Income Foreign
Collective/Common Trust Fund Assets
Domestic Equity
International/Global Equity
Stock/Bond Blend
Taxable Bond
Municipal Bond
Short Term/Money Market
Specialty/Other
Total Trust Funds
Collective/Common Trust Fund Accounts
Domestic Equity
International/Global Equity
Stock/Bond Blend
Taxable Bond
Municipal Bond
Short Term/Money Market
Specialty/Other
Total Trust Funds
FIVE BANK
Fiduciary & Related Services--Page 14A
PCT
96.00
99.00
97.00
99.00
94.00
'($000)'
N/A
N/A
N/A
N/A
N/A
0
1
0
0
0
99.00
98.00
99.00
98.00
98.00
N/A
N/A
N/A
N/A
N/A
0.00
0.00
0.00
0.00
0.00
0
1
0
0
0
97.00
98.00
97.00
98.00
95.00
'($000)'
#ISS
%Change
0.00
0.00
N/A
0.00
N/A
0.00
N/A
N/A
N/A
'($000)'
45.00
22,665.00
355.00
1,594.00
0.00
6,934.00
4,474.00
0.00
0.00
3,077.00
0.00
29,294.00
812.00
25,067.00
2,672.00
96,989.00
%Total
0.05
N/A
0.37
1.64
0.00
7.15
4.61
0.00
0.00
3.17
0.00
30.20
0.84
25.85
2.76
100.00
0.00
9/30/2012
%Rev
N/A
N/A
N/A
N/A
N/A
FIVE, TX
Fiduciary Services-b
12/31/2011
%Rev TRST305
0.00
0.00
0.00
0.23
0.00
0.15
0.00
0.00
0.00
0.01
N/A
N/A
N/A
N/A
N/A
PCT
N/A
N/A
N/A
N/A
N/A
'($000)'
0
0
0
0
0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.15
0.15
0.00
0.13
0.16
97
97
99
97
95
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.38
0.15
0.13
0.02
92
96
95
97
88
'($000)'
#ISS
%Change
'($000)'
#ISS
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.00
0.00
N/A
0.00
N/A
0.00
N/A
N/A
N/A
%Change
10
15
-90
-6
N/A
-13
25
N/A
N/A
-7
N/A
80
-8
57
-15
28
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
41
19,626
3,508
1,688
0
7,973
3,566
0
0
3,293
0
16,249
879
16,015
3,151
75,989
%Total
0.05
N/A
4.62
2.22
0.00
10.49
4.69
0.00
0.00
4.33
0.00
21.38
1.16
21.08
4.15
100.00
%Change
105.00
4.29
-48.53
47.42
N/A
-12.15
21.83
N/A
N/A
-1.29
N/A
-2.76
-7.96
25.70
51.27
1.83
0.00
N/A
N/A
N/A
N/A
0
0.00
N/A
N/A
0.00
N/A
N/A
N/A
N/A
N/A
0.00
N/A
'($000)'
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
'($000)'
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Change
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
%Change
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(#)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
%Total
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Peer Number
TRST305
PCT
93
97
95
99
91
Net Income:Avg Assets
1.54 0.64
1.63 0.38
1.56 0.13
1.51 -0.01
1.29 0.41
91
93
93
94
85
'12
'11
'10
'09
'08
Net Interest Income (TE):
Avg Assets
0.99 3.73
49
'12
4.05 3.76
68
'11
4.11 3.77
72
'10
4.12 3.83
70
'09
4.65 3.87
88
'08
Noninterest Income:
Avg Assets
1.62 0.69
91
1.49 0.63
91
1.50 0.64
93
1.30 0.66
89
1.16 0.70
84
'12
'11
'10
'09
'08
Fiduciary Activities (inc)
Deposit Service Charges
Net from Trading Fees &
Comms (if available)
Foreign Exchange Trading
(if available)
Other Non-Interest Income
Non-interest expense:
Avg Assets
3.71 3.32
72
3.83 3.33
75
4.20 3.34
85
4.36 3.29
89
4.36 3.24
90
'12
'11
'10
'09
'08
Provision for loan & lease
losses: Avg Assets
0.14 0.29
35
'12
0.16 0.51
25
'11
0.20 0.78
19
'10
0.21 0.94
16
'09
0.15 0.56
23
'08
Realized G/L
HTM Securities
0.00 0.07
0.02 0.05
0.00 0.05
0.21 0.04
0.00 -0.01
Personnel Expense:
Avg Assets
2.37 1.70
90
2.35 1.67
92
2.52 1.65
95
2.56 1.65
96
2.66 1.73
95
Occupancy Expense:
Avg Assets
0.35 0.43
31
0.41 0.44
45
0.48 0.45
58
0.48 0.46
57
0.44 0.47
44
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Average Assets per
employee-$MM
3.01 3.97
20
3.03 3.89
23
2.82 3.81
18
2.38 3.78
5
2.46 3.56
11
'12
'11
'10
'09
'08
Average Personnel Exp
per equiv Emp-$M
65.89 64.70
58
66.04 62.01
66
65.48 60.54
70
61.68 59.04
63
60.42 57.77
63
'12
'11
'10
'09
'08
Premises, fixed assets:
Avg Assets
2.73 2.24
64
3.22 2.24
75
3.76 2.24
85
3.74 2.31
83
3.06 2.36
71
'12
'11
'10
'09
'08
Avg Assets per domesic
office
37
52
45
90
63
Realized G/L
AFS Securities
Net Extraordinary Items:
Avg Assets
Applicable Income Tax:
Avg Assets
'12
'11
'10
'09
'08
Other operating expenses:
Avg Assets
0.99 1.16
37
'12
1.06 1.19
43
'11
1.20 1.21
56
'10
1.31 1.16
71
'09
1.26 1.01
78
'08
Effiency Ratio
68.59
68.01
70.23
74.12
75.23
76.82
76.82
78.35
78.56
73.87
34
33
40
48
56
'12
'11
'10
'09
'08
Overhead
Net Interest Income+NonInterest Income
or…
68.59 to make $100 in revenue
Interest Income (TE):
Avg Assets
3.88 4.25
26
4.36 4.56
35
4.86 4.82
52
5.06 5.22
37
5.76 6.00
31
Net Loans and Leases
Avg Assets
57.94 62.02
34
58.34 64.09
30
64.45 66.61
38
60.86 69.60
22
56.53 71.04
13
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Debt Securities:
Avg Assets
Interest-Bearing Bank
Balances: Avg Assets
Federal Funds Sold
Avg Assets
Trading Acct Securities:
Avg Assets
Equity Securities:
Avg Assets
Interest Expense
Avg Assets
0.09 0.63
0.22 0.87
0.38 1.18
0.48 1.65
1.12 2.31
1
2
2
1
2
Interest Income (TE):
Avg Earning Assets
4.21 4.62
25
4.82 4.94
41
5.45 5.24
64
5.39 5.62
33
6.26 6.42
39
Average Earning Assets
Avg Assets
92.17 92.37
44
90.42 92.55
25
89.16 92.32
17
94.00 92.92
62
91.92 93.43
26
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Total Loans & Leases
(Yield On)
5.82 5.82
53
6.14 6.02
62
6.13 6.16
50
6.22 6.30
48
7.25 7.01
68
'12
'11
'10
'09
'08
Other Interest Income
Investment Securities
(Yield On)
2.52 2.54
52
3.25 3.07
57
3.92 3.59
63
4.39 4.34
51
5.10 4.94
61
Real Estate Loans
(yield on)
5.43 5.76
30
6.31 5.95
72
6.30 6.10
64
6.27 6.26
53
6.93 6.92
53
US Treasury & agency
Securities
1.62 1.67
48
2.71 2.09
74
3.50 2.64
75
4.16 3.59
65
5.34 4.58
84
'12
'11
'10
'09
'08
Commercial & Industria
Loans (yield on)
5.93 6.07
50
5.97 6.29
41
5.58 6.42
19
5.93 6.38
35
7.33 7.15
62
'12
'11
'10
'09
'08
Mortgage backed securities
(yield on)
2.57 2.17
71
'12
3.49 3.02
72
'11
4.02 3.64
65
'10
4.60 4.48
55
'09
4.92 4.91
48
'08
Loans to Individuals
(yield on)
8.18 7.54
68
6.90 7.85
33
6.84 7.90
27
7.69 7.98
44
8.34 8.38
49
Interest Bearing Bank
Balances (Yield On)
0.25 0.35
43
0.28 0.37
55
0.53 0.51
64
0.27 0.81
44
N/A
2.28 N/A
'12
'11
'10
'09
'08
All other securities
(yield on)
2.75 3.22
29
3.93 3.60
64
4.27 3.88
72
4.26 4.01
67
3.90 4.16
38
Agriculture Loans
(yield on)
N/A 5.75
N/A
N/A 6.21
N/A
N/A 6.36
N/A
N/A 6.43
N/A
N/A 7.05
N/A
Federal Funds Sold
(Yield On)
N/A 0.22
N/A
N/A 0.23
N/A
0.78 0.20
93
0.22 0.20
56
1.80 2.13
19
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Page 2
'12
'11
'10
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'08
'12
'11
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'08
Real Estate Loans
Avg Gross Lns & Leases
44.07 79.85
1
41.51 79.18
1
40.28 78.59
1
39.31 77.94
1
34.45 76.91
0
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Commercial & Industrial
Avg Gross Lns & Leases
48.59 12.34
99
49.95 12.72
99
50.70 13.01
99
51.20 13.53
99
55.28 14.21
99
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Loans to Individuals
Avg Gross Lns & Leases
7.28 3.18
86
8.45 3.53
87
8.88 3.86
87
9.26 4.01
87
9.98 4.37
87
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Agriculture Loans:
Avg Gross Lns & Leases
0.00 1.60
37
0.00 1.52
37
0.00 1.40
39
0.00 1.36
38
0.00 1.33
38
'12
'11
'10
'09
'08
Total Interest Bearing
Deposits (cost of)
0.20 0.78
1
0.43 1.06
4
0.70 1.43
4
0.90 2.05
2
2.13 2.96
11
Interest Expense
Avg Earning Assets
0.10 0.69
1
0.24 0.94
2
0.42 1.28
2
0.52 1.78
0
1.22 2.47
2
Transactions Accounts
(cost of)
0.02 0.27
1
0.04 0.36
1
0.07 0.47
3
0.05 0.60
1
0.09 0.97
0
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Other savings & deposits
(cost of)
0.06 0.37
0
'12
0.19 0.54
7
'11
0.34 0.75
12
'10
0.51 1.02
14
'09
1.47 1.67
41
'08
'12
'11
'10
'09
'08
Time deps over $100M
(cost of)
0.67 1.24
7
0.96 1.55
8
1.69 1.98
28
1.81 2.81
5
3.42 3.98
15
All other time deposits
(cost of)
0.37 1.21
0
0.87 1.56
6
0.86 2.04
1
1.50 2.85
1
3.09 3.97
4
'12
'11
'10
'09
'08
Foreign Office Deposits
(cost of)
N/A 0.00 N/A
N/A 0.39 N/A
N/A 0.50 N/A
N/A 1.14 N/A
N/A 2.83 N/A
'12
'11
'10
'09
'08
'12
'11
'10
'09
'08
Federal Funds Purchased
& Repos (cost of)
N/A 0.36 N/A
'12
N/A 0.46 N/A
'11
0.82 0.53
67
'10
1.52 0.71
83
'09
0.00 2.11
10
'08
Other Borrowings (+ note
option) (cost of)
N/A 2.40 N/A
'12
N/A 2.59 N/A
'11
N/A 2.77 N/A
'10
N/A 2.97 N/A
'09
N/A 3.71 N/A
'08
Subord Notes &
Debentures (cost of)
N/A 5.66 N/A
N/A 6.10 N/A
N/A 9.98 N/A
N/A 5.87 N/A
N/A 7.09 N/A
Interest-Bearing Funds
Avg Assets
45.94 74.26
0
50.28 75.75
1
54.15 77.13
1
54.12 77.38
0
52.65 76.61
0
'12
'11
'10
'09
'08
Page 3
'12
'11
'10
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'08
Interest-bearing transaction
accts:avg assets
4.17 12.63
14
'12
4.83 11.90
20
'11
3.97 11.23
14
'10
6.22 10.63
31
'09
4.14 9.84
21
'08
Foreign office deposits
avg assets
0.00 0.00
99
0.00 0.02
99
0.00 0.02
99
0.00 0.02
99
0.00 0.03
99
'12
'11
'10
'09
'08
Interest-bearing non-trans
accts:avg assets
43.65 68.40
4
'12
47.13 71.02
4
'11
51.77 73.61
4
'10
55.63 75.04
6
'09
53.43 75.95
3
'08
Other borrowings:
avg assets
0.00 0.00
88
0.00 0.02
80
0.00 0.04
75
0.00 0.04
77
0.00 0.04
75
'12
'11
'10
'09
'08
Federal funds & repos
avg assets
0.00 0.40
60
0.00 0.43
58
0.14 0.52
61
0.57 0.67
65
0.00 0.92
35
Subord notes & debentures
avg assets
0.00 0.02
98
'12
0.00 0.01
98
'11
0.00 0.01
98
'10
0.00 0.01
98
'09
0.00 0.02
97
'08
'12
'11
'10
'09
'08