Registration No.
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM T-1
STATEMENT OF ELIGIBILITY AND QUALIFICATION UNDER THE TRUST INDENTURE ACT OF 1939
OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE
BANK ONE, COLUMBUS, N.A.
Not Applicable 31-4148768
(State of Incorporation (I.R.S. Employer
if not a national bank) Identification No.)
100 East Broad Street, Columbus, Ohio 43271-0181
(Address of trustee's principal (Zip Code) executive offices)
Ted Kravits
c/o Bank One Trust Company, NA
100 East Broad Street
Columbus, Ohio 43271-0181
(614) 248-2566
(Name, address and telephone number of agent for service)
PILLOWTEX CORPORATION
(Exact name of obligor as specified in its charter)
Texas 75-2147728
(State or other jurisdiction of (I.R.S.Employer
incorporation or organization) Identification No.)
4111 Mint Way
Dallas, Texas 75237
(Address of principal executive (Zip Code)
offices)
PILLOWTEX CORPORATION 10% SENIOR SUBORDINATED NOTES DUE 2006
(Title of the Indenture securities)
GENERAL
1. GENERAL INFORMATION.
FURNISH THE FOLLOWING INFORMATION AS TO THE TRUSTEE:
(A) NAME AND ADDRESS OF EACH EXAMINING OR SUPERVISING AUTHORITY TO WHICH
IT IS SUBJECT.
Comptroller of the Currency, Washington, D.C.
Federal Reserve Bank of Cleveland, Cleveland, Ohio
Federal Deposit Insurance Corporation, Washington, D.C.
The Board of Governors of the Federal Reserve System, Washington, D.C.
(B) WHETHER IT IS AUTHORIZED TO EXERCISE CORPORATE TRUST POWERS.
The trustee is authorized to exercise corporate trust powers.
2. AFFILIATIONS WITH OBLIGOR AND UNDERWRITERS.
IF THE OBLIGOR IS AN AFFILIATE OF THE TRUSTEE, DESCRIBE EACH SUCH
AFFILIATION.
The obligor is not an affiliate of the trustee.
16. LIST OF EXHIBITS
LIST BELOW ALL EXHIBITS FILED AS A PART OF THIS STATEMENT OF ELIGIBILITY
AND QUALIFICATION. (EXHIBITS IDENTIFIED IN PARENTHESES, ON FILE WITH THE
COMMISSION, ARE INCORPORATED HEREIN BY REFERENCE AS EXHIBITS HERETO.)
Exhibit 1 - A copy of the Articles of Association of the trustee as now in
effect.
Exhibit 2 - A copy of the Certificate of Authority of the trustee to commence
business, see Exhibit 2 to Form T-1, filed in connection with Form S-3 relating
to Wheeling-Pittsburgh Corporation 9 3/8% Senior Notes due 2003, Securities
and Exchange Commission File No. 33-50709.
Exhibit 3 - A copy of the Authorization of the trustee to exercise corporate
trust powers, see Exhibit 3 to Form T-1, filed in connection with Form S-3
relating to Wheeling-Pittsburgh Corporation 9 3/8% Senior Notes due 2003,
Securities and Exchange Commission File No. 33-50709.
Exhibit 4 - A copy of the Bylaws of the trustee as now in effect.
Exhibit 5 - Not applicable.
Exhibit 6 - The consent of the trustee required by Section 321(b) of the Trust
Indenture Act of 1939, as amended.
Exhibit 7 - Report of Condition of the trustee as of the close of business on
September 30, 1996, published pursuant to the requirements of the Comptroller of
the Company.
Exhibit 8 - Not applicable.
Exhibit 9 - Not applicable.
Items 3 through 15 are not answered pursuant to General Instruction B which
requires responses to Item 1, 2 and 16 only, if the obligor is not in default.
SIGNATURE
Pursuant to the requirements of the Trust Indenture Act of 1939, as
amended, the Trustee, Bank One, Columbus, NA, a national banking association
organized under the National Banking Act, has duly caused this statement of
eligibility and qualification to be signed on its behalf by the undersigned,
thereunto duly authorized, all in Columbus, Ohio, on December 10, 1996.
Bank One, Columbus, NA
By: /s/ Ted Kravits
------------------------------
Ted Kravits
Authorized Signer
Exhibit 1
BANK ONE, COLUMBUS, NATIONAL ASSOCIATION
ARTICLES OF ASSOCIATION
For the purpose of organizing an association to carry on the business of
banking under the laws of the United States, the following Articles of
Association are entered into:
FIRST. The title of this Association shall be BANK ONE, COLUMBUS, NATIONAL
ASSOCIATION.
SECOND. The main office of the Association shall be in Columbus, County of
Franklin, State of Ohio. The general business of the Association shall be
conducted at its main office and its branches.
THIRD. The Board of Directors of this Association shall consist of not
less than five nor more than twenty-five Directors, the exact number of
Directors within such minimum and maximum limits to be fixed and determined from
time-to-time by resolution of the shareholders at any annual or special meeting
thereof, provided, however, that the Board of Directors, by resolution of a
majority thereof, shall be authorized to increase the number of its members by
not more than two between regular meetings of the shareholders. Each Director,
during the full term of his directorship, shall own, as qualifying shares, the
minimum number of shares of either this Association or of its parent bank
holding company in accordance with the provisions of applicable law. Unless
otherwise provided by the laws of the United States, any vacancy in the Board of
Directors for any reason, including an increase in the number thereof, may be
filled by action of the Board of Directors.
FOURTH. The annual meeting of the shareholders for the election of
Directors and the transaction of whatever other business may be brought before
said meeting shall be held at the main office of this Association or such other
place as the Board of Directors may designate, on the day of each year specified
therefor in the By-Laws, but if no election is held on that day, it may be held
on any subsequent business day according to the provisions of law; and all
elections shall be held according to such lawful regulations as may be
prescribed by the Board of Directors.
FIFTH. The authorized amount of capital stock of this Association shall be
2,073,750 shares of common stock of the par value of Ten Dollars ($10) each; but
said capital stock may be increased or decreased from time-to-time, in
accordance with the provisions of the laws of the United States.
No holder of shares of the capital stock of any class of the
Association shall have the preemptive or preferential right of subscription to
any share of any class of stock of this Association, whether now or hereafter
authorized or to any obligations convertible into stock of this Association,
issued or sold, nor any right of subscription to any thereof other than such, if
any, as the Board of Directors, in its discretion, may from time-to-time
determine and at such price as the Board of Directors may from time-to-time fix.
This Association, at any time and from time-to-time, may authorize and
issue debt obligations, whether or not subordinated, without the approval of
the shareholders.
SIXTH. The Board of Directors shall appoint one of its members President
of the Association, who shall be Chairman of the Board, unless the Board
appoints another director to be the Chairman. The Board of Directors shall have
the power to appoint one or more Vice Presidents and to appoint a Secretary and
such other officers and employees as may be required to transact the business of
this Association.
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The Board of Directors shall have the power to define the duties of
the officers and employees of this Association; to fix the salaries to be paid
to them; to dismiss them; to require bonds from them and to fix the penalty
thereof; to regulate the manner in which any increase of the capital of this
Association shall be made; to manage and administer the business and affairs of
this Association; to make all By-Laws that it may be lawful for them to make;
and generally to do and perform all acts that it may be legal for a Board of
Directors to do and perform.
SEVENTH. The Board of Directors shall have the power to change the
location of the main office to any other place within the limits of the City of
Columbus, Ohio, without the approval of the shareholders but subject to the
approval of the Comptroller of the Currency; and shall have the power to
establish or change the location of any branch or branches of this Association
to any other location, without the approval of the shareholders but subject to
the approval of the Comptroller of the Currency.
EIGHTH. The corporate existence of this Association shall continue until
terminated in accordance with the laws of the United States.
NINTH. The Board of Directors of this Association, or any three or more
shareholders owning, in the aggregate, not less than 10 percent of the stock of
this Association, may call a special meeting of shareholders at any time.
Unless otherwise provided by the laws of the United States, a notice of the
time, place and purpose of every annual and special meeting of the shareholders
shall be given by first-class mail, postage prepaid, mailed at least ten days
prior to the date of such meeting to each shareholder of record at his address
as shown upon the books of this Association.
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TENTH. Every person who is or was a Director, officer or employee of the
Association or of any other corporation which he served as a Director, officer
or employee at the request of the Association as part of his regularly assigned
duties may be indemnified by the Association in accordance with the provisions
of this paragraph against all liability (including, without limitation,
judgments, fines, penalties and settlements) and all reasonable expenses
(including, without limitation, attorneys' fees and investigative expenses) that
may be incurred or paid by him in connection with any claim, action, suit or
proceeding, whether civil, criminal or administrative (all referred to hereafter
in this paragraphs as "Claims") or in connection with any appeal relating
thereto in which he may become involved as a party or otherwise or with which he
may be threatened by reason of his being or having been a Director, officer or
employee of the Association or such other corporation, or by reason of any
action taken or omitted by him in his capacity as such Director, officer or
employee, whether or not he continues to be such at the time such liability or
expenses are incurred, provided that nothing contained in this paragraph shall
be construed to permit indemnification of any such person who is adjudged guilty
of, or liable for, willful misconduct, gross neglect of duty or criminal acts,
unless, at the time such indemnification is sought, such indemnification in such
instance is permissible under applicable law and regulations, including
published rulings of the Comptroller of the Currency or other appropriate
supervisory or regulatory authority, and provided further that there shall be no
indemnification of directors, officers, or employees against expenses,
penalties, or other payments incurred in an administrative proceeding or action
instituted by an appropriate regulatory agency which proceeding or action
results in a final order assessing civil money penalties or requiring
affirmative action by an individual or individuals in the form of payments to
the Association. Every person who may be indemnified under the provisions of
this paragraph and who has been wholly successful on the merits with respect to
any Claim shall be entitled to indemnification as of right. Except as provided
in the preceding sentence, any indemnification under this paragraph shall be at
the sole discretion of the Board of Directors and shall be made only if the
Board of Directors or the Executive Committee acting by a quorum consisting of
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Directors who are not parties to such Claim shall find or if independent legal
counsel (who may be the regular counsel of the Association) selected by the
Board of Directors or Executive Committee whether or not a disinterested quorum
exists shall render their opinion that in view of all of the circumstances then
surrounding the Claim, such indemnification is equitable and in the best
interests of the Association. Among the circumstances to be taken into
consideration in arriving at such a finding or opinion is the existence or non-
existence of a contract of insurance or indemnity under which the Association
would be wholly or partially reimbursed for such indemnification, but the
existence or non-existence of such insurance is not the sole circumstance to be
considered nor shall it be wholly determinative of whether such indemnification
shall be made. In addition to such finding or opinion, no indemnification under
this paragraph shall be made unless the Board of Directors or the Executive
Committee acting by a quorum consisting of Directors who are not parties to such
Claim shall find or if independent legal counsel (who may be the regular counsel
of the Association) selected by the Board of Directors or Executive Committee
whether or not a disinterested quorum exists shall render their opinion that the
Director, officer or employee acted in good faith in what he reasonably believed
to be the best interests of the Association or such other corporation and
further in the case of any criminal action or proceeding, that the Director,
officer or employee reasonably believed his conduct to be lawful. Determination
of any Claim by judgment adverse to a Director, officer or employee by
settlement with or without Court approval or conviction upon a plea of guilty or
of NOLOCONTENDERE or its equivalent shall not create a presumption that a
Director, officer or employee failed to meet the standards of conduct set forth
in this paragraph. Expenses incurred with respect to any Claim may be advanced
by the Association prior to the final disposition thereof upon receipt of an
undertaking satisfactory to the Association by or on behalf of the recipient to
repay such amount unless it is ultimately determined that he is entitled to
indemnification under this paragraph. The rights of indemnification provided in
this paragraph shall be in addition to any rights to which any Director, officer
or employee may otherwise be entitled by contract or as a matter of law.
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Every person who shall act as a Director, officer or employee of this
Association shall be conclusively presumed to be doing so in reliance upon the
right of indemnification provided for in this paragraph.
ELEVENTH. These Articles of Association may be amended at any regular or
special meeting of the shareholders by the affirmative vote of the holders of a
majority of the stock of this Association, unless the vote of the holders of a
greater amount of stock is required by law, and in that case by the vote of the
holders of such greater amount.
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Exhibit 4
BY-LAWS
OF
BANK ONE, COLUMBUS, NATIONAL ASSOCIATION
ARTICLE I
MEETING OF SHAREHOLDERS
SECTION 1.01. ANNUAL MEETING. The regular annual meeting of the Shareholders
of the Bank for the election of Directors and for the transaction of such
business as may properly come before the meeting shall be held at its main
banking house, or other convenient place duly authorized by the Board of
Directors, on the third Monday of January of each year, or on the next
succeeding banking day, if the day fixed falls on a legal holiday. If from any
cause, an election of directors is not made on the day fixed for the regular
meeting of shareholders or, in the event of a legal holiday, on the next
succeeding banking day, the Board of Directors shall order the election to be
held on some subsequent day, as soon thereafter as practicable, according to the
provisions of law; and notice thereof shall be given in the manner herein
provided for the annual meeting. Notice of such annual meeting shall be given
by or under the direction of the Secretary or such other officer as may be
designated by the Chief Executive Officer by first-class mail, postage prepaid,
to all shareholders of record of the Bank at their respective addresses as shown
upon the books of the Bank mailed not less than ten days prior to the date fixed
for such meeting.
SECTION 1.02. SPECIAL MEETINGS. A special meeting of the shareholders of this
Bank may be called at any time by the Board of Directors or by any three or more
shareholders owning, in the aggregate, not less than ten percent of the stock of
this Bank. The notice of any special meeting of the shareholders called by the
Board of Directors, stating the time, place and purpose of the meeting, shall be
given by or under the direction of the Secretary, or such other officer as is
designated by the Chief Executive Officer, by first-class mail, postage prepaid,
to all shareholders of
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record of the Bank at their respective addresses as shown upon the books of the
Bank, mailed not less than ten days prior to the date fixed for such meeting.
Any special meeting of shareholders shall be conducted and its proceedings
recorded in the manner prescribed in these By-Laws for annual meetings of
shareholders.
SECTION 1.03. SECRETARY OF SHAREHOLDERS' MEETING. The Board of Directors may
designate a person to be the Secretary of the meetings of shareholders. In the
absence of a presiding officer, as designated in these By-Laws, the Board of
Directors may designate a person to act as the presiding officer. In the event
the Board of Directors fails to designate a person to preside at a meeting of
shareholders and a Secretary of such meeting, the shareholders present or
represented shall elect a person to preside and a person to serve as Secretary
of the meeting.
The Secretary of the meetings of shareholders shall cause the returns made
by the judges and election and other proceedings to be recorded in the minute
book of the Bank. The presiding officer shall notify the directors-elect of
their election and to meet forthwith for the organization of the new board.
The minutes of the meeting shall be signed by the presiding officer and the
Secretary designated for the meeting.
SECTION 1.04. JUDGES OF ELECTION. The Board of Directors may appoint as many
as three shareholders to be judges of the election, who shall hold and conduct
the same, and who shall, after the election has been held, notify, in writing
over their signatures, the secretary of the shareholders' meeting of the result
thereof and the names of the Directors elected; provided, however, that upon
failure for any reason of any judge or judges of election, so appointed by the
directors, to serve, the presiding officer of the meeting shall appoint other
shareholders or their proxies to fill the vacancies. The judges of election at
the request of the chairman of the
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meeting, shall act as tellers of any other vote by ballot taken at such meeting,
and shall notify, in writing over their signatures, the secretary of the Board
of Directors of the result thereof.
SECTION 1.05. PROXIES. In all elections of Directors, each shareholder of
record, who is qualified to vote under the provisions of Federal Law, shall have
the right to vote the number of shares of record in his name for as many persons
as there are Directors to be elected, or to cumulate such shares as provided by
Federal Law. In deciding all other questions at meetings of shareholders, each
shareholder shall be entitled to one vote on each share of stock of record in
his name. Shareholders may vote by proxy duly authorized in writing. All
proxies used at the annual meeting shall be secured for that meeting only, or
any adjournment thereof, and shall be dated, and if not dated by the
shareholder, shall be dated as of the date of receipt thereof. No officer or
employee of this Bank may act as proxy.
SECTION 1.06. QUORUM. Holders of record of a majority of the shares of the
capital stock of the Bank, eligible to be voted, present either in person or by
proxy, shall constitute a quorum for the transaction of business at any meeting
of shareholders, but shareholders present at any meeting and constituting less
than a quorum may, without further notice, adjourn the meeting from time to
time until a quorum is obtained. A majority of the votes cast shall decide
every question or matter submitted to the shareholders at any meeting, unless
otherwise provided by law or by the Articles of Association.
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ARTICLE II
DIRECTORS
SECTION 2.01. MANAGEMENT OF THE BANK. The business of the Bank shall be
managed by the Board of Directors. Each director of the Bank shall be the
beneficial owner of a substantial number of shares of BANC ONE CORPORATION
and shall be employed either in the position of Chief Executive Officer or
active leadership within his or her business, professional or community
interest which shall be located within the geographic area in which the Bank
operates, or as an executive officer of the Bank. A director shall not be
eligible for nomination and re-election as a director of the Bank if such
person's executive or leadership position within his or her business,
professional or community interests which qualifies such person as a director
of Bank terminates. The age of 70 is the mandatory retirement age as a
director of the Bank. When a person's eligibility as director of the Bank
terminates, whether because of change in share ownership, position, residency
or age, within 30 days after such termination, such person shall submit his
resignation as a director to be effective at the pleasure of the Board
provided, however, that in no event shall such person be nominated or elected
as a director. Provided, however, following a person's retirement or
resignation as a director because of the age limitations herein set forth
with respect to election or re-election as a director, such person may, in
special or unusual circumstances, and at the discretion of the Board, be
elected by the directors as a Director Emeritus of the Bank for a limited
period of time. A Director Emeritus shall have the right to participate in
board meetings but shall be without the power to vote and shall be subject to
re-election by the Board at its organizational meeting following the Bank's
annual meeting of shareholders.
SECTION 2.02. QUALIFICATIONS. Each director shall have the qualification
prescribed by law. No person elected a director may exercise any of the
powers of his office until he has taken the oath of such office.
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SECTION 2.03. TERM OF OFFICE/VACANCIES. A director shall hold office until
the annual meeting for the year in which his term expires and until his
successor shall be elected and shall qualify, subject, however, to his prior
death, resignation, or removal from office. Whenever any vacancy shall occur
among the directors, the remaining directors shall constitute the directors
of the Bank until such vacancy is filled by the remaining directors, and any
director so appointed shall hold office for the unexpired term of his or her
successor. Notwithstanding the foregoing, each director shall hold office and
serve at the pleasure of the Board.
SECTION 2.04. ORGANIZATION MEETING. The directors elected by the
shareholders shall meet for organization of the new board at the time fixed
by the presiding officer of the annual meeting. If at the time fixed for
such meeting there is no quorum present, the Directors in attendance may
adjourn from time to time until a quorum is obtained. A majority of the
number of Directors elected by the shareholders shall constitute a quorum for
the transaction of business.
SECTION 2.05. REGULAR MEETINGS. The regular meetings of the Board of
Directors shall be held on the third Monday of each calendar month excluding
March and July, which meeting will be held at 4:00 p.m. When any regular
meeting of the Board falls on a holiday, the meeting shall be held on such
other day as the Board may previously designate or should the Board fail to
so designate, on such day as the Chairman of the Board of President may fix.
Whenever a quorum is not present, the directors in attendance shall adjourn
the meeting to a time not later than the date fixed by the Bylaws for the
next succeeding regular meeting of the Board.
Section 2.06. SPECIAL MEETINGS. Special meetings of the Board of Directors
shall be held at the call of the Chairman of the Board or President, or at
the request of two or more Directors. Any special meeting may be held at
such place in Franklin County, Ohio, and at such time as may be fixed in the
call. Written or oral notice shall be given to each Director not later than
the day next preceding the day on which special meeting is to be held, which
notice may be waived in writing.
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The presence of a Director at any meeting of the Board shall be deemed a
waiver of notice thereof by him. Whenever a quorum is not present the
Directors in attendance shall adjourn the special meeting from day to day
until a quorum is obtained.
SECTION 2.07. QUORUM. A majority of the Directors shall constitute a quorum
at any meeting, except when otherwise provided by law; but a lesser number
may adjourn any meeting, from time-to-time, and the meeting may be held, as
adjourned, without further notice. When, however, less than a quorum as
herein defined, but at least one-third and not less than two of the
authorized number of Directors are present at a meeting of the Directors,
business of the Bank may be transacted and matters before the Board approved
or disapproved by the unanimous vote of the Directors present.
SECTION 2.08. COMPENSATION. Each member of the Board of Directors shall
receive such fees for, and transportation expenses incident to, attendance at
Board and Board Committee Meetings and such fees for service as a Director
irrespective of meeting attendance as from time to time are fixed by
resolution of the Board; provided, however, that payment hereunder shall not
be made to a Director for meetings attended and/or Board service which are
not for the Bank's sole benefit and which are concurrent and duplicative with
meetings attended or board service for an affiliate of the Bank for which the
Director receives payment; and provided further, that payment hereunder shall
not be made in the case of any Director in the regular employment of the Bank
or of one of its affiliates.
SECTION 2.09. EXECUTIVE COMMITTEE. There shall be a standing committee of
the Board of Directors known as the Executive Committee which shall possess
and exercise, when the Board is not in session, all powers of the Board that
may lawfully be delegated. The Executive Committee shall also exercise the
powers of the Board of Directors in accordance with the Provisions of the
"Employees Retirement Plan" and the "Agreement and Declaration of Trust" as
the same now
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exist or may be amended hereafter. The Executive Committee shall consist of
not fewer than four board members, including the Chairman of the Board and
President of the Bank, one of whom, as hereinafter required by these By-laws,
shall be the Chief Executive Officer. The other members of the Committee
shall be appointed by the Chairman of the Board or by the President, with the
approval of the Board and shall continue as members of the Executive
Committee until their successors are appointed, provided, however, that any
member of the Executive Committee may be removed by the Board upon a majority
vote thereof at any regular or special meeting of the Board. The Chairman or
President shall fill any vacancy in the Committee by the appointment of
another Director, subject to the approval of the Board of Directors. The
regular meetings of the Executive Committee shall be held on a regular basis
as scheduled by the Board of Directors. Special meetings of the Executive
Committee shall be held at the call of the Chairman or President or any two
members thereof at such time or times as may be designated. In the event of
the absence of any member or members of the Committee, the presiding member
may appoint a member or members of the Board to fill the place or places of
such absent member or members to serve during such absence. Not fewer than
three members of the Committee must be present at any meeting of the
Executive Committee to constitute a quorum, provided, however that with
regard to any matters on which the Executive Committee shall vote, a majority
of the Committee members present at the meeting at which a vote is to be
taken shall not be officers of the Bank and, provided further, that if, at
any meeting at which the Chairman of the Board and President are both
present, Committee members who are not officers are not in the majority, then
the Chairman of the Board or President, which ever of such officers is not
also the Chief Executive Officer, shall not be eligible to vote at such
meeting and shall not be recognized for purposes of determining if a quorum
is present at such meeting. When neither the Chairman of the Board nor
President are present, the Committee shall appoint a presiding officer. The
Executive Committee shall keep a record of its proceedings and report its
proceedings and the action taken by it to the Board of Directors.
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SECTION 2.10 COMMUNITY REINVESTMENT ACT AND COMPLIANCE POLICY COMMITTEE.
There shall be a standing committee of the Board of Directors known as the
Community Reinvestment Act and Compliance Policy Committee the duties of
which shall be, at least once in each calendar year, to review, develop and
recommend policies and programs related to the Bank's Community Reinvestment
Act Compliance and regulatory compliance with all existing statutes, rules
and regulations affecting the Bank under state and federal law. Such
Committee shall provide and promptly make a full report of such review of
current Bank policies with regard to Community Reinvestment Act and
regulatory compliance in writing to the Board, with recommendations, if any,
which may be necessary to correct any unsatisfactory conditions. Such
Committee may, in its discretion, in fulfilling its duties, utilize the
Community Reinvestment Act officers of the Bank, Banc One Ohio Corporation
and Banc One Corporation and may engage outside Community Reinvestment Act
experts, as approved by the Board, to review, develop and recommend policies
and programs as herein required. The Community Reinvestment Act and
regulatory compliance policies and procedures established and the
recommendations made shall be consistent with, and shall supplement, the
Community Reinvestment Act and regulatory compliance programs, policies and
procedures of Banc One Corporation and Banc One Ohio Corporation. The
Community Reinvestment Act and Compliance Policy Committee shall consist of
not fewer than four board members, one of whom shall be the Chief Executive
Officer and a majority of whom are not officers of the Bank. Not fewer than
three members of the Committee, a majority of whom are not officers of the
Bank, must be present to constitute a quorum. The Chairman of the Board or
President of the Bank, whichever is not the Chief Executive Officer, shall be
an ex officio member of the Community Reinvestment Act and Compliance Policy
Committee. The Community Reinvestment Act and Compliance Policy Committee,
whose chairman shall be appointed by the Board, shall keep a record of its
proceedings and report its proceedings and the action taken by it to the
Board of Directors.
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SECTION 2.11. TRUST COMMITTEES. There shall be two standing Committees
known as the Trust Management Committee and the Trust Examination Committee
appointed as hereinafter provided.
SECTION 2.12. OTHER COMMITTEES. The Board of Directors may appoint such
special committees from time to time as are in its judgment necessary in the
interest of the Bank.
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ARTICLE III
OFFICERS, MANAGEMENT STAFF AND EMPLOYEES
SECTION 3.01. OFFICERS AND MANAGEMENT STAFF.
(a) The officers of the Bank shall include a President, Secretary and
Security Officer and may include a Chairman of the Board, one or more
Vice Chairmen, one or more Vice Presidents (which may include one or
more Executive Vice Presidents and/or Senior Vice Presidents) and one
or more Assistant Secretaries, all of whom shall be elected by the
Board. All other officers may be elected by the Board or appointed in
writing by the Chief Executive Officer. The salaries of all officers
elected by the Board shall be fixed by the Board. The Board from
time-to-time shall designate the President or Chairman of the Board
to serve as the Bank's Chief Executive Officer.
(b) The Chairman of the Board, if any, and the President shall be
elected by the Board from their own number. The President and
Chairman of the Board shall be re-elected by the Board annually at
the organizational meeting of the Board of Directors following the
Annual Meeting of Shareholders. Such officers as the Board shall
elect from their own number shall hold office from the date of their
election as officers until the organization meeting of the Board of
Directors following the next Annual Meeting of Shareholders,
provided, however, that such officers may be relieved of their
duties at any time by action of the Board in which event all the
powers incident to their office shall immediately terminate.
(c) Except as provided in the case of the elected officers who are
members of the Board, all officers, whether elected or appointed,
shall hold office at the pleasure of the Board. Except as otherwise
limited by law or these By-laws, the Board assigns to Chief
Executive Officer and/or his
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designees the authority to appoint and dismiss any elected or
appointed officer or other member of the Bank's management staff and
other employees of the Bank, as the person in charge of and
responsible for any branch office, department, section, operation,
function, assignment or duty in the Bank.
(d) The management staff of the Bank shall include officers elected
by the Board, officers appointed by the Chief Executive Officer, and
such other persons in the employment of the Bank who, pursuant to
written appointment and authorization by a duly authorized officer
of the Bank, perform management functions and have management
responsibilities. Any two or more offices may be held by the same
person except that no person shall hold the office of Chairman of
the Board and/or President and at the same time also hold the office
of Secretary.
(e) The Chief Executive Officer of the Bank and any other officer
of the Bank, to the extent that such officer is authorized in
writing by the Chief Executive Officer, may appoint persons other
than officers who are in the employment of the Bank to serve in
management positions and in connection therewith, the appointing
officer may assign such title, salary, responsibilities and
functions as are deemed appropriate by him, provided, however, that
nothing contained herein shall be construed as placing any
limitation on the authority of the Chief Executive Officer as
provided in this and other sections of these By-Laws.
SECTION 3.02. CHIEF EXECUTIVE OFFICER. The Chief Executive Officer of the
Bank shall have general and active management of the business of the Bank and
shall see that all orders and resolutions of the Board of Directors are
carried into effect. Except as otherwise prescribed or limited by these
By-Laws, the Chief Executive Officer shall have full right, authority and
power to control all personnel, including elected and appointed officers, of
the Bank, to employ or direct the
- 20 -
employment of such personnel and officers as he may deem necessary, including
the fixing of salaries and the dismissal of them at pleasure, and to define
and prescribe the duties and responsibility of all Officers of the Bank,
subject to such further limitations and directions as he may from
time-to-time deem proper. The Chief Executive Officer shall perform all
duties incident to his office and such other and further duties, as may, from
time-to-time, be required of him by the Board of Directors or the
shareholders. The specification of authority in these By-Laws wherever and
to whomever granted shall not be construed to limit in any manner the general
powers of delegation granted to the Chief Executive Officer in conducting the
business of the Bank. The Chief Executive Officer or, in his absence, the
Chairman of the Board or President of the Bank, as designated by the Chief
Executive Officer, shall preside at all meetings of shareholders and meetings
of the Board. In the absence of the Chief Executive Officer, such officer as
is designated by the Chief Executive Officer shall be vested with all the
powers and perform all the duties of the Chief Executive Officer as defined
by these By-Laws. When designating an officer to serve in his absence, the
Chief Executive Officer shall select an officer who is a member of the Board
of Directors whenever such officer is available.
SECTION 3.03. POWERS OF OFFICERS AND MANAGEMENT STAFF. The Chief Executive
Officer, the Chairman of the Board, the President, and those officers so
designated and authorized by the Chief Executive Officer are authorized for
an on behalf of the Bank, and to the extent permitted by law, to make loans
and discounts; to purchase or acquire drafts, notes, stock, bonds, and other
securities for investment of funds held by the Bank; to execute and purchase
acceptances; to appoint, empower and direct all necessary agents and
attorneys; to sign and give any notice required to be given; to demand
payment and/or to declare due for any default any debt or obligation due or
payable to the Bank upon demand or authorized to be declared due; to
foreclose any mortgages, to exercise any option, privilege or election to
forfeit, terminate, extend or renew any lease; to authorize and direct any
proceedings for the collection of any money or for the enforcement
- 21 -
of any right or obligation; to adjust, settle and compromise all claims of
every kind and description in favor of or against the Bank, and to give
receipts, releases and discharges therefor; to borrow money and in connection
therewith to make, execute and deliver notes, bonds or other evidences of
indebtedness; to pledge or hypothecate any securities or any stocks, bonds,
notes or any property real or personal held or owned by the Bank, or to
rediscount any notes or other obligations held or owned by the Bank, to
employ or direct the employment of all personnel, including elected and
appointed officers, and the dismissal of them at pleasure, and in furtherance
of and in addition to the powers hereinabove set forth to do all such acts
and to take all such proceedings as in his judgment are necessary and
incidental to the operation of the Bank.
Other persons in the employment of the Bank, including but not limited to
officers and other members of the management staff, may be authorized by the
Chief Executive Officer, or by an officer so designated and authorized by the
chief Executive Officer, to perform the powers set forth above, subject,
however, to such limitations and conditions as are set forth in the
authorization given to such persons.
SECTION 3.04. SECRETARY. The Secretary or such other officers as may be
designated by the Chief Executive Officer shall have supervision and control
of the records of the Bank and, subject to the direction of the Chief
Executive Officer, shall undertake other duties and functions usually
performed by a corporate secretary. Other officers may be designated by the
Chief Executive Officer or the Board of Directors as Assistant Secretary to
perform the duties of the Secretary.
SECTION 3.05. EXECUTION OF DOCUMENTS. The Chief Executive Officer, Chairman
of the Board, President, any officer being a member of the Bank's management
staff who is also a person in charge of and responsible for any department
within the Bank and any other officer to the extent such officer is so
designated and authorized by the Chief Executive Officer, the Chairman of the
- 22 -
Board, the President, or any other officer who is a member of the Bank's
management staff who is in charge of and responsible for any department
within the Bank, are hereby authorized on behalf of the Bank to sell, assign,
lease, mortgage, transfer, deliver and convey any real or personal property
now or hereafter owned by or standing in the name of the Bank or its nominee,
or held by this Bank as collateral security, and to execute and deliver such
deeds, contracts, leases, assignments, bills of sale, transfers or other
papers or documents as may be appropriate in the circumstances; to execute
any loan agreement, security agreement, commitment letters and financing
statements and other documents on behalf of the Bank as a lender; to execute
purchase orders, documents and agreements entered into by the Bank in the
ordinary course of business, relating to purchase, sale, exchange or lease of
services, tangible personal property, materials and equipment for the use of
the Bank; to execute powers of attorney to perform specific or general
functions in the name of or on behalf of the Bank; to execute promissory
notes or other instruments evidencing debt of the Bank; to execute
instruments pledging or releasing securities for public funds, documents
submitting public fund bids on behalf of the Bank and public fund contracts;
to purchase and acquire any real or personal property including loan
portfolios and to execute and deliver such agreements, contracts or other
papers or documents as may be appropriate in the circumstances; to execute
any indemnity and fidelity bonds, proxies or other papers or documents of
like or different character necessary, desirable or incidental to the conduct
of its banking business; to execute and deliver settlement agreements or
other papers or documents as may be appropriate in connection with a
dismissal authorized by Section 3.01(c) of these By-laws; to execute
agreements, instruments, documents, contracts or other papers of like or
difference character necessary, desirable or incidental to the conduct of its
banking business; and to execute and deliver partial releases from and
discharges or assignments of mortgages, financing statements and assignments
or surrender of insurance policies, now or hereafter held by this Bank.
- 23 -
The Chief Executive Officer, Chairman of the Board, President, any
officer being a member of the Bank's management staff who is also a person in
charge of and responsible for any department within the Bank, and any other
officer of the Bank so designated and authorized by the Chief Executive
Officer, Chairman of the Board, President or any officer who is a member of
the Bank's management staff who is in charge of and responsible for any
department within the Bank are authorized for and on behalf of the Bank to
sign and issue checks, drafts, and certificates of deposit; to sign and
endorse bills of exchange, to sign and countersign foreign and domestic
letters of credit, to receive and receipt for payments of principal,
interest, dividends, rents, fees and payments of every kind and description
paid to the Bank, to sign receipts for property acquired by or entrusted to
the Bank, to guarantee the genuineness of signatures on assignments of
stocks, bonds or other securities, to sign certifications of checks, to
endorse and deliver checks, drafts, warrants, bills, notes, certificates of
deposit and acceptances in all business transactions of the Bank.
Other persons in the employment of the Bank and of its subsidiaries,
including but not limited to officers and other members of the management
staff, may be authorized by the Chief Executive Officer, Chairman of the
Board, President or by an officer so designated by the Chief Executive
Officer, Chairman of the Board, or President to perform the acts and to
execute the documents set forth above, subject, however, to such limitations
and conditions as are contained in the authorization given to such person.
SECTION 3.06. PERFORMANCE BOND. All officers and employees of the Bank
shall be bonded for the honest and faithful performance of their duties for
such amount as may be prescribed by the Board of Directors.
- 24 -
ARTICLE IV
TRUST DEPARTMENT
SECTION 4.01. TRUST DEPARTMENT. Pursuant to the fiduciary powers granted to
this Bank under the provisions of Federal Law and Regulations of the
Comp-troller of the Currency, there shall be maintained a separate Trust
Department of the Bank, which shall be operated in the manner specified
herein.
SECTION 4.02. TRUST MANAGEMENT COMMITTEE. There shall be a standing
Committee known as the Trust Management Committee, consisting of at least
five members, a majority of whom shall not be officers of the Bank. The
Committee shall consist of the Chairman of the Board who shall be Chairman of
the Committee, the President, and at least three other Directors appointed
by the Board of Directors and who shall continue as members of the Committee
until their successors are appointed. Any vacancy in the Trust Management
Committee may be filled by the Board at any regular or special meeting. In
the event of the absence of any member or members, such Committee may, in its
discretion, appoint members of the Board to fill the place of such absent
members to serve during such absence. Three members of the Committee shall
constitute a quorum. Any member of the Committee may be removed by the Board
by a majority vote at any regular or special meeting of the Board. The
Committee shall meet at such times as it may determine or at the call of the
Chairman, or President or any two members thereof.
The Trust Management Committee, under the general direction of the Board
of Directors, shall supervise the policy of the Trust Department which shall
be formulated and executed in accordance with Law, Regulations of the Comp-
troller of the Currency, and sound fiduciary principles.
- 25 -
SECTION 4.03. TRUST EXAMINATION COMMITTEE. There shall be a standing
Committee known as the Trust Examination Committee, consisting of three
directors appointed by the Board of Directors and who shall continue as
members of the committee until their successors are appointed. Such members
shall not be active officers of the Bank. Two members of the Committee shall
constitute a quorum. Any member of the Committee may be removed by the Board
by a majority vote at any regular or special meeting of the Board. The
Committee shall meet at such times as it may determine or at the call of two
members thereof.
This Committee shall, at least once during each calendar year and within
fifteen months of the last such audit, or at such other time(s) as may be
required by Regulations of the Comptroller of the Currency, make suitable
audits of the Trust Department or cause suitable audits to be made by
auditors responsible only to the Board of Directors, and at such time shall
ascertain whether the Department has been administered in accordance with
Law, Regulations of the Comptroller of the Currency and sound fiduciary
principles.
The Committee shall promptly make a full report of such audits in writing
to the Board of Directors of the Bank, together with a recommendation as to
what action, if any, may be necessary to correct any unsatisfactory
condition. A report of the audits together with the action taken thereon
shall be noted in the Minutes of the Board of Directors and such report shall
be a part of the records of this Bank.
SECTION 4.04. MANAGEMENT. The Trust Department shall be under the
management and supervision of an officer of the Bank or of the trust
affiliate of the Bank designated by and subject to the advice and direction
of the Chief Executive Officer. Such officer having supervisory
responsibility over the Trust Department shall do or cause to be done all
things necessary or proper in carrying on the business of the Trust
Department in accordance with provisions of law and applicable regulations.
- 26 -
SECTION 4.05. HOLDING OF PROPERTY. Property held by the Trust Department
may be carried in the name of the Bank in its fiduciary capacity, in the name
of Bank, or in the name of a nominee or nominees.
SECTION 4.06. TRUST INVESTMENTS. Funds held by the Bank in a fiduciary
capacity awaiting investment or distribution shall not be held uninvested or
undistributed any longer than is reasonable for the proper management of the
account and shall be invested in accordance with the instrument establishing
a fiduciary relationship and local law. Where such instrument does not
specify the character or class of investments to be made and does not vest in
the Bank any discretion in the matter, funds held pursuant to such instrument
shall be invested in any investment which corporate fiduciaries may invest
under local law.
The investments of each account in the Trust Department shall be kept
separate from the assets of the Bank, and shall be placed in the joint
custody or control of not less than two of the officers or employees of the
Bank or of the trust affiliate of the Bank designated for the purpose by the
Trust Management Committee.
SECTION 4.07. EXECUTION OF DOCUMENTS. The Chief Executive Officer, Chairman
of the Board, President, any officer of the Trust Department, and such other
officers of the trust affiliate of the Bank as are specifically designated
and authorized by the Chief Executive Officer, the President, or the officer
in charge of the Trust Department, are hereby authorized, on behalf of this
Bank, to sell, assign, lease, mortgage, transfer, deliver and convey any real
property or personal property and to purchase and acquire any real or
personal property and to execute and deliver such agreements, contracts, or
other papers and documents as may be appropriate in the circumstances for
property now or hereafter owned by or standing in the name of this Bank, or
its nominee, in any fiduciary capacity, or in the name of any principal for
whom this Bank may now or hereafter be acting under a power of attorney, or
as agent and to execute and deliver partial releases from
- 27 -
any discharges or assignments or mortgages and assignments or surrender of
insurance policies, to execute and deliver deeds, contracts, leases,
assignments, bills of sale, transfers or such other papers or documents as
may be appropriate in the circumstances for property now or hereafter held by
this Bank in any fiduciary capacity or owned by any principal for whom this
Bank may now or hereafter be acting under a power of attorney or as agent; to
execute and deliver settlement agreements or other papers or documents as may
be appropriate in connection with a dismissal authorized by Section 3.01(c)
of these By-laws; provided that the signature of any such person shall be
attested in each case by any officer of the Trust Department or by any other
person who is specifically authorized by the Chief Executive Officer, the
President or the officer in charge of the Trust Department.
The Chief Executive Officer, Chairman of the Board, President, any
officer of the Trust Department and such other officers of the trust
affiliate of the Bank as are specifically designated and authorized by the
Chief Executive Officer, the President, or the officer in charge of the Trust
Department, or any other person or corporation as is specifically authorized
by the Chief Executive Officer, the President or the officer in charge of the
Trust Department, are hereby authorized on behalf of this Bank, to sign any
and all pleadings and papers in probate and other court proceedings, to
execute any indemnity and fidelity bonds, trust agreements, proxies or other
papers or documents of like or different character necessary, desirable or
incidental to the appointment of the Bank in any fiduciary capacity and the
conduct of its business in any fiduciary capacity; also to foreclose any
mortgage, to execute and deliver receipts for payments of principal,
interest, dividends, rents, fees and payments of every kind and description
paid to the Bank; to sign receipts for property acquired or entrusted to the
Bank; also to sign stock or bond certificates on behalf of this Bank in any
fiduciary capacity and on behalf of this Bank as transfer agent or registrar;
to guarantee the genuineness of signatures on assignments of stocks, bonds or
other securities, and to authenticate bonds, debentures, land or lease trust
certificates or other forms of security issued pursuant to any indenture
under which this Bank now or hereafter is acting as
- 28 -
Trustee. Any such person, as well as such other persons as are specifically
authorized by the Chief Executive Officer or the officer in charge of the
Trust Department, may sign checks, drafts and orders for the payment of money
executed by the Trust Department in the course of its business.
SECTION 4.08. VOTING OF STOCK. The Chairman of the Board, President, any
officer of the Trust Department, any officer of the trust affiliate of the
Bank and such other persons as may be specifically authorized by Resolution
of the Trust Management Committee or the Board of Directors, may vote shares
of stock of a corporation of record on the books of the issuing company in
the name of the Bank or in the name of the Bank as fiduciary, or may grant
proxies for the voting of such stock of the granting if same is permitted by
the instrument under which the Bank is acting in a fiduciary capacity, or by
the law applicable to such fiduciary account. In the case of shares of stock
which are held by a nominee of the Bank, such shares may be voted by such
person(s) authorized by such nominee.
- 29 -
ARTICLE V
STOCKS AND STOCK CERTIFICATES
SECTION 5.01. STOCK CERTIFICATES. The shares of stock of the Bank shall be
evidenced by certificates which shall bear the signature of the Chairman of
the Board, the President, or a Vice President (which signature may be
engraved, printed or impressed), and shall be signed manually by the
Secretary, or any other officer appointed by the Chief Executive Officer for
that purpose.
In case any such officer who has signed or whose facsimile signature has
been placed upon such certificate shall have ceased to be such before such
certificate is issued, it may be issued by the Bank with the same effect as
if such officer had not ceased to be such at the time of its issue. Each
such certificate shall bear the corporate seal of the Bank, shall recite on
its fact that the stock represented thereby is transferable only upon the
books of the Bank properly endorsed and shall recite such other information
as is required by law and deemed appropriate by the Board. The corporate
seal may be facsimile engraved or printed.
SECTION 5.02. STOCK ISSUE AND TRANSFER. The shares of stock of the Bank
shall be transferable only upon the stock transfer books of the Bank and
except as hereinafter provided, no transfer shall be made or new certificates
issued except upon the surrender for cancellation of the certificate or
certificates previously issued therefor. In the case of the loss, theft, or
destruction of any certificate, a new certificate may be issued in place of
such certificate upon the furnishing of any affidavit setting forth the
circumstances of such loss, theft, or destruction and indemnity satisfactory
to the Chairman of the Board, the President, or a Vice President. The Board
of Directors, or the Chief Executive Officer, may authorize the issuance of a
new certificate therefor without the furnishing of indemnity. Stock Transfer
Books, in which all transfers of stock shall be recorded, shall be provided.
- 30 -
The stock transfer books may be closed for a reasonable period and under
such conditions as the Board of Directors may at any time determine for any
meeting of shareholders, the payment of dividends or any other lawful
purpose. In lieu of closing the transfer books, the Board may, in its
discretion, fix a record date and hour constituting a reasonable period prior
to the day designated for the holding of any meeting of the shareholders or
the day appointed for the payment of any dividend or for any other purpose at
the time as of which shareholders entitled to notice of and to vote at any
such meeting or to receive such dividend or to be treated as shareholders for
such other purpose shall be determined, and only shareholders of record at
such time shall be entitled to notice of or to vote at such meeting or to
receive such dividends or to be treated as shareholders for such other
purpose.
- 31 -
ARTICLE VI
MISCELLANEOUS PROVISIONS
SECTION 6.01. SEAL. The impression made below is an impression of the seal
adopted by the Board of Directors of BANK ONE, COLUMBUS, NATIONAL
ASSOCIATION. The Seal may be affixed by any officer of the Bank to any
document executed by an authorized officer on behalf of the Bank, and any
officer may certify any act, proceedings, record, instrument or authority of
the Bank.
SECTION 6.02. BANKING HOURS. Subject to ratification by the Executive
Committee, the Bank and each of its Branches shall be open for business on
such days and during such hours as the Chief Executive Officer of the Bank
shall, from time to time, prescribe.
SECTION 6.03. MINUTE BOOK. The organization papers of this Bank, the
Articles of Association, the returns of the judges of elections, the By-Laws
and any amendments thereto, the proceedings of all regular and special
meetings of the shareholders and of the Board of Directors, and reports of
the committees of the Board of Directors shall be recorded in the minute book
of the Bank. The minutes of each such meeting shall be signed by the
presiding Officer and attested by the secretary of the meetings.
SECTION 6.04. AMENDMENT OF BY-LAWS. These By-Laws may be amended by vote of
a majority of the Directors.
- 32 -
EXHIBIT 6
Securities and Exchange Commission
Washington, D.C. 20549
CONSENT
The undersigned, designated to act as Trustee under the Indenture for
Pillowtex Corporation described in the attached Statement of Eligibility and
Qualification, does hereby consent that reports of examinations by Federal,
State, Territorial, or District Authorities may be furnished by such
authorities to the Commission upon the request of the Commission.
This Consent is given pursuant to the provision of Section 321(b) of the
Trust Indenture Act of 1939, as amended.
Bank One, Columbus, NA
Dated: December 10, 1996 By: /s/ TED KRAVITS
----------------------
Ted Kravits
Authorized Signer
- 33 -
Exhibit 7
Board of Governors of the Federal Reserve System
OMB Number: 7100-0036
Federal Deposit Insurance Corporation
OMB Number: 3064-0052
Office of the Comptroller of the Currency
OMB Number: 1557-0081
Expires March 31, 1999
FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL
- -------------------------------------------------------------------------------
-----
[Logo] Please refer to page i, | 1 |
Table of Contents, for -----
the required disclosure
of estimated burden.
- -------------------------------------------------------------------------------
CONSOLIDATED REPORTS OF CONDITION AND INCOME FOR A BANK WITH DOMESTIC AND
FOREIGN OFFICES -- FFIEC 031
(960930)
REPORT AT THE CLOSE OF BUSINESS SEPTEMBER 30, 1996 ----------
(RCRI 9999)
This report is required by law: 12 U.S.C. Section 324 (State member banks);
12 U.S.C. Section 1817 (State nonmember banks); and 12 U.S.C. Section 161
(National banks).
This report form is to be filed by banks with branches and consolidated
subsidiaries in U.S. territories and possessions, Edge or Agreement
subsidiaries, foreign branches, consolidated foreign subsidiaries, or
International Banking Facilities.
- -------------------------------------------------------------------------------
NOTE: The Reports of Condition and Income must be signed by an authorized
officer and the Report of Condition must be attested to by not less than two
directors (trustees) for State nonmember banks and three directors for State
member and National banks.
I, Richard D. Nadler, Controller
---------------------------------------------------
Name and Title of Officer Authorized to Sign Report
of the named bank do hereby declare that these Reports of Condition and
Income (including the supporting schedules) have been prepared in conformance
with the instructions issued by the appropriate Federal regulatory authority
and are true to the best of my knowledge and belief.
/s/ R.D. NADLER
- -----------------------------------------------------
Signature of Officer Authorized to Sign Report
10/29/96
- -----------------------------------------------------
Date of Signature
The Reports of Condition and Income are to be prepared in accordance with
Federal regulatory authority instructions. NOTE: These instructions may in
some cases differ from generally accepted accounting principles.
We, the undersigned directors (trustees), attest to the correctness of this
Report of Condition (including the supporting schedules) and declare that it
has been examined by us and to the best of our knowledge and belief has been
prepared in conformance with the instructions issued by the appropriate
Federal regulatory authority and is true and correct.
/s/ illegible
- -----------------------------------------------------
Director (Trustee)
/s/ illegible
- -----------------------------------------------------
Director (Trustee)
/s/ ALEX SHUMATE
- -----------------------------------------------------
Director (Trustee)
- -------------------------------------------------------------------------------
FOR BANKS SUBMITTING HARD COPY REPORT FORMS:
STATE MEMBER BANKS: Return the original and one copy to the appropriate
Federal Reserve District Bank.
STATE NONMEMBER BANKS: Return the original only in the SPECIAL RETURN ADDRESS
ENVELOPE PROVIDED. If express mail is used in lieu of the special return
address envelope, return the original only to the FDIC, c/o Quality Data
Systems, 2127 Espey Court, Suite 204, Crofton, MD 21114.
NATIONAL BANKS: Return the original only in the SPECIAL RETURN ADDRESS
ENVELOPE PROVIDED. If express mail is used in lieu of the special return
address envelope, return the original only to the FDIC, c/o Quality Data
Systems, 2127 Espey Court, Suite 204, Crofton, MD 21114.
- -------------------------------------------------------------------------------
FDIC Certificate Number |__|__|__|__|__|
(RCRI 9050)
__ __
| |
CALL NO. 197 31 09-30-96
STBK: 39-1580 00088 STCERT: 39-06559
BANK ONE, COLUMBUS, NATIONAL ASSOCIA
100 EAST BROAD STREET
COLUMBUS, OH 43271
|__ __|
Board of Governors of the Federal Reserve System, Federal Deposit Insurance
Corporation, Office of the Comptroller of the Currency
FFIEC 031
Page i
-----
| 2 |
-----
Consolidated Reports of Condition and Income for
A Bank With Domestic and Foreign Offices
- -------------------------------------------------------------------------------
TABLE OF CONTENTS
SIGNATURE PAGE Cover
REPORT OF INCOME
Schedule RI -- Income Statement...................................... RI-1, 2, 3
Schedule RI-A -- Changes in Equity Capital........................... RI-4
Schedule RI-B -- Charge-offs and Recoveries and
Changes in Allowance for Loan and Lease Losses..................... RI-4, 5
Schedule RI-C -- Applicable Income Taxes by Taxing Authority......... RI-5
Schedule RI-D -- Income from International Operations................ RI-6
Schedule RI-E -- Explanations........................................ RI-7, 8
DISCLOSURE OF ESTIMATED BURDEN
The estimated average burden associated with this information collection is
32.2 hours per respondent and is estimated to vary from 15 to 230 hours per
response, depending on individual circumstances. Burden estimates include the
time for reviewing instructions, gathering and maintaining data in the
required form, and completing the information collection, but exclude the time
for compiling and maintaining business records in the normal course of a
respondent's activities. Comments concerning the accuracy of this burden
estimate and suggestions for reducing this burden should be directed to the
Office of Information and Regulatory Affairs, Office of Management and
Budget, Washington, D.C. 20503, and to one of the following:
Secretary
Board of Governors of the Federal Reserve System
Washington, D.C. 20551
Legislative and Regulatory Analysis Division
Office of the Comptroller of the Currency
Washington, D.C. 20219
Assistant Executive Secretary
Federal Deposit Insurance Corporation
Washington, D.C. 20429
REPORT OF CONDITION
Schedule RC -- Balance Sheet......................................... RC-1, 2
Schedule RC-A -- Cash and Balances Due From Depository Institutions.. RC-3
Schedule RC-B -- Securities.......................................... RC-3, 4, 5
Schedule RC-C -- Loans and Lease Financing Receivables:
Part I. Loans and Leases.......................................... RC-6, 7
Part II. Loans to Small Businesses and Small Farms
(included in the forms for June 30 only)................ RC-7a, 7b
Schedule RC-D -- Trading Assets and Liabilities
(to be completed only by selected banks)........................... RC-8
Schedule RC-E -- Deposit Liabilities............................... RC-9, 10, 11
Schedule RC-F -- Other Assets........................................ RC-11
Schedule RC-G -- Other Liabilities................................... RC-11
Schedule RC-H -- Selected Balance Sheet Items for Domestic Offices... RC-12
Schedule RC-I -- Selected Assets and Liabilities of IBFs............. RC-13
Schedule RC-K -- Quarterly Averages.................................. RC-13
Schedule RC-L -- Off-Balance Sheet Items.......................... RC-14, 15, 16
Schedule RC-M -- Memoranda........................................... RC-17, 18
Schedule RC-N -- Past Due and Nonaccrual Loans, Leases,
and Other Assets................................................... RC-19, 20
Schedule RC-O -- Other Data for Deposit Insurance Assessments........ RC-21, 22
Schedule RC-R -- Regulatory Capital.................................. RC-23, 24
Optional Narrative Statement Concerning the Amounts Reported
in the Reports of Condition and Income............................. RC-25
Special Report (TO BE COMPLETED BY ALL BANKS)
Schedule RC-J -- Repricing Opportunities (sent only to and to be completed
only by savings banks)
For information or assistance, National and State nonmember banks should
contact the FDIC's Call Reports Analysis Unit, 550 17th Street, NW,
Washington, D.C. 20429, toll free on (800) 688-FDIC(3342), Monday through
Friday between 8:00 a.m. and 5:00 p.m., Eastern time. State member banks
should contact their Federal Reserve District Bank.
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580 FFIEC 031
Address: 100 EAST BROAD STREET Page RI-1
City, State Zip: COLUMBUS, OH 43271-1066
FDIC Certificate No.: |0|6|5|5|9|
-----------
Consolidated Report of Income
for the period January 1, 1996 - September 30, 1996
ALL REPORT OF INCOME SCHEDULES ARE TO BE REPORTED ON A CALENDAR YEAR-TO-DATE
BASIS IN THOUSANDS OF DOLLARS.
SCHEDULE RI -- INCOME STATEMENT
-----------
I480
------------------------
Dollar Amounts in Thousands RIAD Bil Mil Thou
- ---------------------------------------------------------------------------------------------
1. Interest income: ////////////////////
a. Interest and fee income on loans: ////////////////////
(1) In domestic offices: ////////////////////
(a) Loans secured by real estate........................... 4011 91,724 1.a (1) (a)
(b) Loans to depository institutions....................... 4019 26 1.a (1) (b)
(c) Loans to finance agricultural production and ////////////////////
other loans to farmers................................. 4024 633 1.a (1) (c)
(d) Commercial and industrial loans........................ 4012 53,366 1.a (1) (d)
(e) Acceptances of other banks............................. 4026 0 1.a (1) (e)
(f) Loans to individuals for household, family, and ////////////////////
other personal expenditures: ////////////////////
(1) Credit cards and related plans..................... 4054 305,745 1.a. (1) (f) (1)
(2) Other.............................................. 4055 68,770 1.a. (1) (f) (2)
(g) Loans to foreign governments and official ////////////////////
institutions........................................... 4056 1 1.a. (1) (g)
(h) Obligations (other than securities and leases) ////////////////////
of states and political subdivisions in the U.S.: ////////////////////
(1) Taxable obligations................................ 4503 117 1.a. (1) (h) (1)
(2) Tax-exempt obligations............................. 4504 868 1.a. (1) (h) (2)
(i) All other loans in domestic offices.................... 4058 6,395 1.a. (1) (i)
(2) In foreign offices, Edge and Agreement subsidiaries, ////////////////////
and IBFs................................................... 4059 0 1.a. (2)
b. Income from lease financing receivables: ////////////////////
(1) Taxable leases............................................. 4505 48,753 1.b. (1)
(2) Tax-exempt leases.......................................... 4307 79 1.b. (2)
c. Interest income on balances due from depository ////////////////////
institutions: (1) ////////////////////
(1) In domestic offices........................................ 4105 0 1.c. (1)
(2) In foreign offices, Edge and Agreement subsidiaries, ////////////////////
and IBFs................................................... 4106 0 1.c. (2)
d. Interest and dividend income on securities: ////////////////////
(1) U.S. Treasury securities and U.S. Government agency ////////////////////
and corporation obligations................................ 4027 14,883 1.d. (1)
(2) Securities issued by states and political subdivisions ////////////////////
in the U.S.: ////////////////////
(a) Taxable securities..................................... 4506 0 1.d. (2) (a)
(b) Tax-exempt securities.................................. 4507 2,135 1.d. (2) (b)
(3) Other domestic debt securities............................. 3657 527 1.d. (3)
(4) Foreign debt securities.................................... 3658 161 1.d. (4)
(5) Equity securities (including investments in mutual funds).. 3659 172 1.d. (5)
e. Interest income from trading assets............................ 4069 0 1.e.
------------------------
- ----------------
(1) Includes interest on time certificates of deposit not held for trading.
3
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RI-2
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 0 6 5 5 9
SCHEDULE RI--CONTINUED
--------------
Dollar Amounts in Thousands Year-to-date
- -----------------------------------------------------------------------------------------------
1. Interest income (continued) RIAD Bil Mil Thou
f. Interest income on federal funds sold and securities purchased under //////////////////
agreements to resell in domestic offices of the bank and of its Edge //////////////////
and Agreement subsidiaries, and in IBFs ............................. 4020 10,402 1.f.
g. Total interest income (sum of items 1.a through 1.f) ................ 4107 604,757 1.g.
2. Interest expense: //////////////////
a. Interest on deposits: //////////////////
(1) Interest on deposits in domestic offices: //////////////////
(a) Transaction accounts (NOW accounts, ATS accounts, and
telephone and preauthorized transfer accounts) .............. 4508 1,099 2.a.(1)(a)
(b) Nontransaction accounts: //////////////////
(1) Money market deposit accounts (MMDAs) ................... 4509 40,024 2.a.(1)(b)(1)
(2) Other savings deposits .................................. 4511 17,173 2.a.(1)(b)(2)
(3) Time certificates of deposit of $100,000 or more ........ 4174 3,459 2.a.(1)(b)(3)
(4) All other time deposits ................................. 4512 45,672 2.a.(1)(b)(4)
(2) Interest on deposits in foreign offices, Edge and Agreement //////////////////
subsidiaries, and IBFs .......................................... 4172 22,936 2.a.(2)
b. Expense of federal funds purchased and securities sold under //////////////////
agreements to repurchase in domestic offices of the bank and of its //////////////////
Edge and Agreement subsidiaries, and in IBFs ........................ 4180 53,206 2.b.
c. Interest on demand notes issued to the U.S. Treasury, trading //////////////////
liabilities, and other borrowed money ............................... 4185 35,699 2.c.
d. Interest on mortgage indebtedness and obligations under capitalized //////////////////
leases .............................................................. 4072 280 2.d.
e. Interest on subordinated notes and debentures ....................... 4200 8,847 2.e.
f. Total interest expense (sum of items 2.a through 2.e) ............... 4073 228,395 2.f.
--------------------
3. Net interest income (item 1.g minus 2.f) ............................... ////////////////// RIAD 4074 376,362 3.
--------------------
4. Provisions: //////////////////
--------------------
a. Provision for loan and lease losses ................................. ////////////////// RIAD 4230 168,988 4.a
b. Provision for allocated transfer risk ............................... ////////////////// RIAD 4243 0 4.b.
--------------------
5. Noninterest income: //////////////////
a. Income from fiduciary activities .................................... 4070 26,009 5.a.
b. Service charges on deposit accounts in domestic offices ............. 4080 29,654 5.b.
c. Trading revenue (must equal Schedule RI, sum of Memorandum //////////////////
items 8.a through 8.d) .............................................. A220 0 5.c.
d. Other foreign transaction gains (losses) ............................ 4076 1,410 5.d.
e. Not applicable //////////////////
f. Other noninterest income: //////////////////
(1) Other fee income ................................................ 5407 199,480 5.f.(1)
(2) All other noninterest income* ................................... 5408 69,227 5.f.(2)
--------------------
g. Total noninterest income (sum of items 5.a through 5.f) ............. ////////////////// RIAD 4079 325,780 5.g.
6. a. Realized gains (losses) on held-to-maturity securities .............. ////////////////// RIAD 3521 (49) 6.a.
b. Realized gains (losses) on available-for-sale securities ............ ////////////////// RIAD 3196 9 6.b.
--------------------
7. Noninterest expense: //////////////////
a. Salaries and employee benefits ...................................... 4135 109,534 7.a.
b. Expenses of premises and fixed assets (not of rental income) //////////////////
(excluding salaries and employee benefits and mortgage interest) .... 4217 19,214 7.b.
c. Other noninterest expense* .......................................... 4092 368,927 7.c.
--------------------
d. Total noninterest expense (sum of items 7.a through 7.c) ............ ////////////////// RIAD 4093 497,675 7.d.
////////////////// --------------------
8. Income (loss) before income taxes and extraordinary items and other //////////////////
adjustments (item 3 plus or minus items 4.a, 4.b, 5.g, 6.a, 6.b, and 7.d)////////////////// RIAD 4301 35,429 8.
9. Applicable income taxes (on item 8) .................................... ////////////////// RIAD 4302 9,851 9.
--------------------
10. Income (loss) before extraordinary items and other adjustments (item 8 //////////////////
minus 9) ............................................................... ////////////////// RIAD 4300 25,578 10.
----------------------------------------
__________
* Describe on Schedule RI-E--Explanations.
4
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RI-3
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 0 6 5 5 9
SCHEDULE RI--CONTINUED
---------------
Year-to-date
--------------------
Dollar Amounts in Thousands RIAD Bil Mil Thou
- ------------------------------------------------------------------------------------------------
11. Extraordinary items and other adjustments: //////////////////
a. Extraordinary items and other adjustments, gross of income taxes* ... 4310 0 11.a.
b. Applicable income taxes (on item 11.a)* ............................. 4315 0 11.b.
--------------------
c. Extraordinary items and other adjustments, net of income taxes //////////////////
(item 11.a minus 11.b) .............................................. ////////////////// RIAD 4320 0 11.c.
12. Net income (loss) (sum of items 10 and 11.c) ........................... ////////////////// RIAD 4340 25,578 12.
----------------------------------------
------
I481
--------------
Year-to-date
-------------------
Memoranda Dollar Amounts in Thousands RIAD Bil Mil Thou
- --------------------------------------------------------------------------------------------------------------------
1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired after //////////////////
August 7, 1986, that is not deductible for federal income tax purposes ...................... 4513 155 M.1.
2. Income from the sale and servicing of mutual funds and annuities in domestic offices //////////////////
(included in Schedule RI, item 8) ........................................................... 8431 1,381 M.2.
3.-4. Not applicable //////////////////
5. Number of full-time equivalent employees on payroll at end of current period (round to //// Number
nearest whole number) ....................................................................... 4150 3,551 M.5.
6. Not applicable //////////////////
7. If the reporting bank has restated its balance sheet as a result of applying push down //// mm dd yy
accounting this calendar year, report the date of the bank's acquisition .................... 9106 00/00/00 M.7.
8. Trading revenue (from cash instruments and off-balance sheet derivative instruments) //////////////////
(SUM OF MEMORANDUM ITEMS 8.a THROUGH 8.d MUST EQUAL SCHEDULE RI, ITEM 5.c): //// Bil Mil Thou
a. Interest rate exposures .................................................................. 8757 0 M.8.a.
b. Foreign exchange exposures ............................................................... 8758 0 M.8.b.
c. Equity security and index exposures ...................................................... 8759 0 M.8.c.
d. Commodity and other exposures ............................................................ 8760 0 M.8.d.
9. Impact on income of off-balance sheet derivatives held for purposes other than trading: //////////////////
a. Net increase (decrease) to interest income ............................................... 8761 (763) M.9.a.
b. Net (increase) decrease to interest expense .............................................. 8762 (3,128) M.9.b.
c. Other (noninterest) allocations .......................................................... 8763 (1,667) M.9.c.
10. Credit losses on off-balance sheet derivatives (see instructions) ........................... A251 0 M.10.
--------------------
__________
* Describe on Schedule RI-E--Explanations.
5
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RI-4
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 0 6 5 5 9
SCHEDULE RI-A--CHANGES IN EQUITY CAPITAL
Indicate decreases and losses in parentheses.
------
I483
-------------------
Dollar Amounts in Thousands RIAD Bil Mil Thou
- --------------------------------------------------------------------------------------------------------------------
1. Total equity capital originally reported in the December 31, 1995, Reports of Condition //////////////////
and Income .................................................................................. 3215 501,192 1.
2. Equity capital adjustments from amended Reports of Income, net* ............................. 3216 (10,104) 2.
3. Amended balance end of previous calendar year (sum of items 1 and 2) ........................ 3217 491,088 3.
4. Net income (loss) (must equal Schedule RI, item 12) ......................................... 4340 25,578 4.
5. Sale, conversion, acquisition, or retirement of capital stock, net .......................... 4346 0 5.
6. Changes incident to business combinations, net .............................................. 4356 0 6.
7. LESS: Cash dividends declared on preferred stock ............................................ 4470 0 7.
8. LESS: Cash dividends declared on common stock ............................................... 4460 16,000 8.
9. Cumulative effect of changes in accounting principles from prior years* (see instructions for //////////////////
this schedule) .............................................................................. 4411 0 9.
10. Corrections of material accounting errors from prior years* (see instructions for this //////////////////
schedule) ................................................................................... 4412 0 10.
11. Change in net unrealized holding gains (losses) on available-for-sale securities ............ 8433 (3,068) 11.
12. Foreign currency translation adjustments .................................................... 4414 0 12.
13. Other transactions with parent holding company* (not included in items 5, 7, or 8 above) .... 4415 98,400 13.
14. Total equity capital end of current period (sum of items 3 through 13) (must equal //////////////////
Schedule RC, item 28) ....................................................................... 3210 595,998 14.
-------------------
__________
* Describe on Schedule RI-E--Explanations.
SCHEDULE RI-B--CHARGE-OFFS AND RECOVERIES AND CHANGES
IN ALLOWANCE FOR LOAN AND LEASE LOSSES
PART I. CHARGE-OFFS AND RECOVERIES ON LOANS AND LEASES
PART I EXCLUDES CHARGE-OFFS AND RECOVERIES THROUGH
THE ALLOCATED TRANSFER RISK RESERVE.
------
I486
----------------------------------------
(Column A) (Column B)
Charge-offs Recoveries
----------------------------------------
Calendar year-to-date
----------------------------------------
Dollar Amounts in Thousands RIAD Bil Mil Thou RIAD Bil Mil Thou
- --------------------------------------------------------------------------------------------------------------------
1. Loans secured by real estate: ////////////////// //////////////////
a. To U.S. addressees (domicile) ....................................... 4651 2,149 4661 1,798 1.a.
b. To non-U.S. addressees (domicile) ................................... 4652 0 4662 0 1.b.
2. Loans to depository institutions and acceptances of other banks: ////////////////// //////////////////
a. To U.S. banks and other U.S. depository institutions ................ 4653 0 4663 0 2.a.
b. To foreign banks .................................................... 4654 0 4664 0 2.b.
3. Loans to finance agricultural production and other loans to farmers .... 4655 21 4665 1 3.
4. Commercial and industrial loans: ////////////////// //////////////////
a. To U.S. addressees (domicile) ....................................... 4645 2,425 4617 347 4.a.
b. To non-U.S. addressees (domicile) ................................... 4646 0 4618 0 4.b.
5. Loans to individuals for household, family, and other personal ////////////////// //////////////////
expenditures: ////////////////// //////////////////
a. Credit cards and related plans ...................................... 4656 124,918 4666 14,194 5.a.
b. Other (includes single payment, installment, and all student loans) . 4657 18,879 4667 11,944 5.b.
6. Loans to foreign governments and official institutions ................. 4643 0 4627 0 6.
7. All other loans ........................................................ 4644 286 4628 734 7.
8. Lease financing receivables: ////////////////// //////////////////
a. Of U.S. addressees (domicile) ....................................... 4658 1,359 4668 337 8.a.
b. Of non-U.S. addressees (domicile) ................................... 4659 0 4669 0 8.b.
9. Total (sum of items 1 through 8) ....................................... 4635 150,037 4605 29,355 9.
----------------------------------------
6
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RI-5
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 0 6 5 5 9
SCHEDULE RI-B--CONTINUED
PART I. CONTINUED
----------------------------------------
(Column A) (Column B)
Charge-offs Recoveries
----------------------------------------
Calendar year-to-date
----------------------------------------
Memoranda Dollar Amounts in Thousands RIAD Bil Mil Thou RIAD Bil Mil Thou
- --------------------------------------------------------------------------------------------------------------------
1-3. Not applicable ////////////////// //////////////////
4. Loans to finance commercial real estate, construction, and land ////////////////// //////////////////
development activities (not secured by real estate) included in ////////////////// //////////////////
Schedule RI-B, part I, items 4 and 7, above ............................ 5409 0 5410 253 M.4.
5. Loans secured by real estate in domestic offices (included in ////////////////// //////////////////
Schedule RI-B, part I, item 1, above): ////////////////// //////////////////
a. Construction and land development ................................... 3582 241 3583 59 M.5.a.
b. Secured by farmland ................................................. 3584 0 3585 3 M.5.b.
c. Secured by 1-4 family residential properties: ////////////////// //////////////////
(1) Revolving, open-end loans secured by 1-4 family residential ////////////////// //////////////////
properties and extended under lines of credit ................... 5411 980 5412 0 M.5.c.(1)
(2) All other loans secured by 1-4 family residential properties .... 5413 848 5414 842 M.5.c.(2)
d. Secured by multifamily (5 or more) residential properties ........... 3588 0 3589 378 M.5.d.
e. Secured by nonfarm nonresidential properties ........................ 3590 80 3591 418 M.5.e.
----------------------------------------
PART II. CHANGES IN ALLOWANCE FOR LOAN AND LEASE LOSSES
--------------------
Dollar Amounts in Thousands RIAD Bil Mil Thou
- --------------------------------------------------------------------------------------------------------------------
1. Balance originally reported in the December 31, 1995, Reports of Condition and Income ...... 3124 152,121 1.
2. Recoveries (must equal part I, item 9, column B above) ..................................... 4605 29,355 2.
3. LESS: Charge-offs (must equal part I, item 9, column A above) .............................. 4635 150,037 3.
4. Provision for loan and lease losses (must equal Schedule RI, item 4.a) ..................... 4230 168,998 4.
5. Adjustments* (see instructions for this schedule) .......................................... 4815 0 5.
6. Balance end of current period (sum of items 1 through 5) (must equal Schedule RC, //////////////////
item 4.b) .................................................................................. 3123 200,437 6.
--------------------
__________
* Describe on Schedule RI-E--Explanations.
SCHEDULE RI-C--APPLICABLE INCOME TAXES BY TAXING AUTHORITY
SCHEDULE RI-C IS TO BE REPORTED WITH THE DECEMBER REPORT OF INCOME.
------
I489
--------------------
Dollar Amounts in Thousands RIAD Bil Mil Thou
- --------------------------------------------------------------------------------------------------------------------
1. Federal .................................................................................... 4780 N/A 1.
2. State and local ............................................................................ 4790 N/A 2.
3. Foreign .................................................................................... 4795 N/A 3.
4. Total (sum of items 1 through 3) (must equal sum of Schedule RI, items 9 and 11.b) ......... 4770 N/A 4.
--------------------
5. Deferred portion of item 4 .............................................. RIAD 4772 N/A ////////////////// 5.
---------------------------------------
7
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580
FFIEC 031
Address: 100 EAST BROAD STREET Page RI-6
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: |0|6|5|5|9|
SCHEDULE RI-D--INCOME FROM INTERNATIONAL OPERATIONS
For all banks with foreign offices, Edge or Agreement subsidiaries, or IBFs
where international operations account for more than 10 percent of total
revenues, total assets, or net income.
PART I. ESTIMATED INCOME FROM INTERNATIONAL OPERATIONS
I492
----------------
YEAR-TO-DATE
-----------------------
Dollar Amounts in Thousands RIAD BIL MIL THOU
- ------------------------------------------------------------------------------------------- -----------------------
1. Interest income and expense booked at foreign offices, Edge and Agreement subsidiaries, /////////////////////
and IBFs: /////////////////////
a. Interest income booked................................................................ 4837 144 1.a.
b. Interest expense booked .............................................................. 4838 22,937 1.b.
c. Net interest income booked at foreign offices, Edge and Agreement subsidiaries, and /////////////////////
IBFs (item 1.a minus 1.b) ............................................................ 4839 (22,793) 1.c.
2. Adjustments for booking location of international operations: /////////////////////
a. Net interest income attributable to international operations booked at domestic /////////////////////
offices .............................................................................. 4840 0 2.a.
b. Net interest income attributable to domestic business booked at foreign offices ...... 4941 0 2.b.
c. Net booking location adjustment (item 2.a. minus 2.b) ................................ 4842 0 2.c.
3. Noninterest income and expense attributable to international operations: /////////////////////
a. Noninterest income attributable to international operations .......................... 4097 0 3.a.
b. Provision for loan and lease losses attributable to international operations ......... 4235 0 3.b.
c. Other noninterest expense attributable to international operations ................... 4239 0 3.c.
d. Net noninterest income (expense) attributable to international operations /////////////////////
(item 3.a minus 3.b and 3.c) ......................................................... 4843 0 3.d.
4. Estimated pretax income attributable to international operations before capital /////////////////////
allocations adjustment (sum of items 1.c, 2.c, and 3.d) .............................. 4844 (22,793) 4.
5. Adjustment to pretax income for international allocations to international operations /////////////////////
to reflect the effects of equity capital on overall bank funding costs ............... 4845 0 5.
6. Estimated pretax income attributable to international operations after capital /////////////////////
allocation adjustment (sum of items 4 and 5) ............................................. 4846 (22,793) 6.
7. Income taxes attributable to income from international operations as estimated in item 6.. 4797 (7,978) 7.
8. Estimated net income attributable to international operations (item 6 minus 7) ........... 4341 (14,815) 8.
---------------------
-----------------------
Memoranda Dollar Amounts in Thousands RIAD BIL MIL THOU
- ------------------------------------------------------------------------------------------- -----------------------
1. Intracompany interest income included in item 1.a above .................................. 4847 0 M.1.
2. Intracompany interest expense included in item 1.b above ................................. 4848 0 M.2.
---------------------
PART II. SUPPLEMENTARY DETAILS OF INCOME FROM INTERNATIONAL OPERATIONS REQUIRED
BY THE DEPARTMENTS OF COMMERCE AND TREASURY FOR PURPOSES OF THE U.S.
INTERNATIONAL ACCOUNTS AND THE U.S. NATIONAL INCOME AND PRODUCT ACCOUNTS
YEAR-TO-DATE
-----------------------
Dollar Amounts in Thousands RIAD BIL MIL THOU
- ------------------------------------------------------------------------------------------- -----------------------
1. Interest income booked at IBFs ........................................................... 4849 0 1.
2. Interest expense booked at IBFs .......................................................... 4850 0 2.
3. Noninterest income attributable to international operations booked at domestic offices /////////////////////
(excluding IBFs): /////////////////////
a. Gains (losses) and extraordinary items ............................................... 5491 0 3.a.
b. Fees and other noninterest income .................................................... 5492 0 3.b.
4. Provision for loan and lease losses attributable to international operations booked at /////////////////////
domestic offices (excluding IBFs) ........................................................ 4852 0 4.
5. Other noninterest expense attributable to international operations booked at domestic /////////////////////
offices (excluding IBFs) ................................................................. 4853 0 5.
8
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580
FFIEC 031
Address: 100 EAST BROAD STREET Page RI-7
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: |0|6|5|5|9|
SCHEDULE RI-E--EXPLANATIONS
SCHEDULE RI-E IS TO BE COMPLETED EACH QUARTER ON A CALENDAR YEAR-TO-DATE BASIS.
Detail all adjustments in Schedule RI-A and RI-B, all extraordinary items and
other adjustments in Schedule RI, and all significant items of other
noninterest income and other noninterest expense in Schedule RI. (See
instructions for details.)
I492
----------------
YEAR-TO-DATE
-----------------------
Dollar Amounts in Thousands RIAD BIL MIL THOU
- ------------------------------------------------------------------------------------------- -----------------------
1. All other noninterest income (from Schedule RI, item 5.f.(2)) /////////////////////
Report amounts that exceed 10% of Schedule RI, item 5.f.(2): /////////////////////
a. Net gains on other real estate owned ................................................. 5415 0 1.a.
b. Net gains on sales of loans .......................................................... 5416 0 1.b.
c. Net gains on sales of premises and fixed assets ...................................... 5417 0 1.c.
Itemize and describe the three largest other amounts that exceed 10% of Schedule RI, /////////////////////
item 5.f.(2): /////////////////////
d. / TEXT 4461 / CARD PROCESSING INCOME 4461 59,153 1.d
--------- ------------------------------------------------------------------------
e. / TEXT 4462 / INSTALLMENT LOAN SERVICING INCOME 4462 8,092 1.e.
--------- ------------------------------------------------------------------------
f. / TEXT 4463 / 4463 1.f.
--------- ------------------------------------------------------------------------
2. Other noninterest expense (from Schedule RI, item 7.c): /////////////////////
a. Amortization expense of intangible assets ............................................ 4531 0 2.a.
Report amounts that exceed 10% of Schedule RI, item 7.c: /////////////////////
b. Net losses on other real estate owned ................................................ 5418 0 2.b.
c. Net losses on sales of loans ......................................................... 5419 0 2.c.
d. Net losses on sales of premises and fixed assets ..................................... 5420 0 2.d.
Itemize and describe the three largest other amounts that exceed 10% of Schedule RI, /////////////////////
item 7.c: /////////////////////
e. / TEXT 4464 / DATA PROCESSING 4464 95,203 2.e.
--------- ------------------------------------------------------------------------
f. / TEXT 4467 / 4467 2.f.
--------- ------------------------------------------------------------------------
g. / TEXT 4468 / 4468 2.g.
--------- ------------------------------------------------------------------------
3. Extraordinary items and other adjustments (from Schedule RI, item 11.a) and applicable /////////////////////
income tax effect (from Schedule RI, item 11.b) (itemize and describe all extraordinary /////////////////////
items and other adjustments): /////////////////////
a. (1) / TEXT 4469 / 4469 3.a.(1)
----------------------------------------------------------------------------------
(2) Applicable income tax effect / RIAD 4486 / ///////////////////// 3.a.(2)
----------------------------------------------------------------------------------
b. (1) / TEXT 4487 / 4487 3.b.(1)
--------------------------------------------------------------------------------
(2) Applicable income tax effect / RIAD 4488 / ///////////////////// 3.b.(2)
----------------------------------------------------------------------------------
c. (1) / TEXT 4489 / 4489 3.c.(1)
--------------------------------------------------------------------------------
(2) Applicable income tax effect / RIAD 4491 / ///////////////////// 3.c.(2)
4. Equity capital adjustments from amended Reports of Income (from Schedule RI-A, item 2) /////////////////////
(itemize and describe all adjustments): /////////////////////
a. / TEXT 4492 / AMENDED CALL REPORT 4492 (10,104) 4.a.
--------- ------------------------------------------------------------------------
b. / TEXT 4493 / 4493 4.b.
--------- ------------------------------------------------------------------------
5. Cumulative effect of changes in accounting principles from prior years /////////////////////
(from Schedule RI-A, item 9) (itemize and describe all changes in accounting principles): /////////////////////
a. / TEXT 4494 / 4494 5.a.
--------- ------------------------------------------------------------------------
b. / TEXT 4495 / 4495 5.b.
--------- ------------------------------------------------------------------------
6. Corrections of material accounting errors from prior years (from Schedule RI-A, item 10) /////////////////////
(itemize and describe all corrections):
a. / TEXT 4496 / 4496 6.a.
--------- ------------------------------------------------------------------------
b. / TEXT 4497 / 4497 6.b.
--------- ------------------------------------------------------------------------
9
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580
FFIEC 031
Address: 100 EAST BROAD STREET Page RI-8
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: |0|6|5|5|9|
SCHEDULE RI-E--CONTINUED
-----------------------
YEAR-TO-DATE
-----------------------
Dollar Amounts in Thousands RIAD BIL MIL THOU
- ------------------------------------------------------------------------------------------- -----------------------
7. Other transactions with parent holding company (from Schedule RI-A, item 13) /////////////////////
(itemize and describe all such transactions): /////////////////////
a. / TEXT 4498 / CAPITAL CONTRIBUTIONS 4498 98,400 7.a.
--------- --------------------------------------------------------------------
b. / TEXT 4499 / 4499 7.b.
--------- --------------------------------------------------------------------
8. Adjustments to allowance for loan and lease losses (from Schedule RI-B, part II, item 5) /////////////////////
(itemize and describe all adjustments): /////////////////////
a. / TEXT 4521 / 4521 8.a.
--------- --------------------------------------------------------------------
b. / TEXT 4522 / 4522 8.b.
--------- -------------------------------------------------------------------- ---------------------
9. Other explanations (the space below is provided for the bank to briefly describe, at its I498 I499
---------------------
option, any other significant items affecting the Report of Income):
No comment / / (RIAD 4769)
Other explanations (please type or print clearly):
(TEXT 4769)
10
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-1
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 06559
CONSOLIDATED REPORT OF CONDITION FOR INSURED COMMERCIAL
AND STATE-CHARTERED SAVINGS BANKS FOR SEPTEMBER 30, 1996
All schedules are to be reported in thousands of dollars. Unless otherwise indicated,
report the amount outstanding as of the last business day of the quarter.
SCHEDULE RC--BALANCE SHEET
---------
C400
------------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou
- --------------------------------------------------------------------------------------------------------------------------
ASSETS ///////////////////////
1. Cash and balances due from depository institutions (from Schedule RC-A): ///////////////////////
a. Noninterest-bearing balances and currency and coin(1).................................. 0081 930,094 1.a.
b. Interest-bearing balances(2)........................................................... 0071 0 1.b.
2. Securities: ///////////////////////
a. Held-to-maturity securities (from Schedule RC-B, column A)............................. 1754 36,966 2.a.
b. Available-for-sale securities (from Schedule RC-B, column D)........................... 1773 254,157 2.b.
3. Federal funds sold and securities purchased under agreements to resell in ///////////////////////
domestic offices of the bank and of its Edge and Agreement subsidiaries, ///////////////////////
and in IBFs: ///////////////////////
a. Federal funds sold..................................................................... 0276 219,165 3.a.
b. Securities purchased under agreements to resell........................................ 0277 0 3.b.
4. Loans and lease financing receivables: ----------------------- ///////////////////////
a. Loans and leases, net of unearned income (from Schedule RC-C)... RCFD 2122 7,418,081 /////////////////////// 4.a.
b. LESS: Allowance for loan and lease losses....................... RCFD 3123 200,437 /////////////////////// 4.b.
c. LESS: Allocated transfer risk reserve........................... RCFD 3128 0 /////////////////////// 4.c.
----------------------- ///////////////////////
d. Loans and leases, net of unearned income,
allowance, and reserve (item 4.a minus 4.b and 4.c).................................... 2125 7,217,644 4.d.
5. Trading assets (from Schedule RC-D)........................................................ 3545 0 5.
6. Premises and fixed assets (including capitalized leases)................................... 2145 62,349 6.
7. Other real estate owned (from Schedule RC-M)............................................... 2150 5,908 7.
8. Investments in unconsolidated subsidiaries and associated companies (from Schedule RC-M)... 2130 857 8.
9. Customers' liability to this bank on acceptances outstanding............................... 2155 5,171 9.
10. Intangible assets (from Schedule RC-M)..................................................... 2143 35,696 10.
11. Other assets (from Schedule RC-F).......................................................... 2160 498,055 11.
12. Total assets (sum of items 1 through 11)................................................... 2170 9,266,062 12.
------------------------
- -----------
(1) Includes cash items in process of collection and unposted debits.
(2) Includes time certificates of deposit not held for trading.
11
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-2
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 06559
SCHEDULE RC--CONTINUED
------------------------
Dollar Amounts in Thousands ////////// Bil Mil Thou
- ------------------------------------------------------------------------------------------------------------------------
LIABILITIES ///////////////////////
13. Deposits: ///////////////////////
a. In domestic offices (sum of totals of columns A and C from Schedule RC-E, ///////////////////////
part I).............................................................................. RCON 2200 4,662,047 13.a.
---------------------- ///////////////////////
(1) Noninterest-bearing(1)................................... RCON 6631 1,783,070 /////////////////////// 13.a.(1)
(2) Interest-bearing......................................... RCON 6636 2,878,977 /////////////////////// 13.a.(2)
---------------------- ///////////////////////
b. In foreign offices, Edge and Agreement subsidiaries, and IBFs (from Schedule RC-E, ///////////////////////
part II) ............................................................................ RCFN 2200 1,275,194 13.b.
(1) Noninterest-bearing ..................................... RCFN 6631 0 /////////////////////// 13.b.(1)
(2) Interest-bearing ........................................ RCFN 6636 1,275,194 /////////////////////// 13.b.(2)
----------------------
14. Federal funds purchased and securities sold under agreements to repurchase in domestic ///////////////////////
offices of the bank and of its Edge and Agreement subsidiaries, and in IBFs: ///////////////////////
a. Federal funds purchased.............................................................. RCFD 0278 1,385,147 14.a.
b. Securities sold under agreements to repurchase....................................... RCFD 0279 31,000 14.b.
15. a. Demand notes issued to the U.S. Treasury............................................. RCON 2840 59,993 15.a.
b. Trading liabilities (from Schedule RC-D)............................................. RCFD 3548 0 15.b.
16. Other borrowed money: ///////////////////////
a. With a remaining maturity of one year or less........................................ RCFD 2332 614,713 16.a.
b. With a remaining maturity of more than one year...................................... RCFD 2333 289,764 16.b.
17. Mortgage indebtedness and obligations under capitalized leases........................... RCFD 2910 3,939 17.
18. Bank's liability on acceptances executed and outstanding................................. RCFD 2920 5,171 18.
19. Subordinated notes and debentures........................................................ RCFD 3200 189,305 19.
20. Other liabilities (from Schedule RC-G)................................................... RCFD 2930 153,791 20.
21. Total liabilities (sum of items 13 through 20)........................................... RCFD 2948 8,670,064 21.
///////////////////////
22. Limited-life preferred stock and related surplus......................................... RCFD 3282 0 22.
EQUITY CAPITAL ///////////////////////
23. Perpetual preferred stock and related surplus............................................ RCFD 3838 0 23.
24. Common stock............................................................................. RCFD 3230 20,738 24.
25. Surplus (exclude all surplus related to preferred stock)................................. RCFD 3839 205,756 25.
26. a. Undivided profits and capital reserves............................................... RCFD 3632 370,841 26.a.
b. Net unrealized holding gains (losses) on available-for-sale securities............... RCFD 8434 (1,337) 26.b.
27. Cumulative foreign currency translation adjustments...................................... RCFD 3284 0 27.
28. Total equity capital (sum of items 23 through 27)........................................ RCFD 3210 595,998 28.
29. Total liabilities, limited-life preferred stock, and equity capital (sum of items 21, ///////////////////////
22, and 28).............................................................................. RCFD 3300 9,266,062 29.
-----------------------
Memorandum
TO BE REPORTED ONLY WITH THE MARCH REPORT OF CONDITION.
1. Indicate in the box at the right the number of the statement below that best describes the Number
most comprehensive level of auditing work performed for the bank by independent external ------------------------
auditors as of any date during 1995....................................................... RCFD 6724 N/A M.1.
------------------------
1 - Independent audit of the bank conducted in accordance with generally accepted auditing standards by a certified public
accounting firm which submits a report on the bank
2 - Independent audit of the bank's parent holding company conducted in accordance with generally accepted auditing standards by
a certified public accounting firm which submits a report on the consolidated holding company (but not on the bank separately)
3 - Directors' examination of the bank conducted in accordance with generally accepted auditing standards by a certified public
accounting firm (may be required by state chartering authority)
4 - Directors' examination of the bank performed by other external auditors (may be required by state chartering authority)
5 - Review of the bank's financial statements by external auditors
6 - Compilation of the bank's financial statements by external auditors
7 - Other audit procedures (excluding tax preparation work)
8 - No external audit work
- -----------
(1) Includes total demand deposits and noninterest-bearing time and savings deposits.
12
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-3
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 06559
SCHEDULE RC-A--CASH AND BALANCES DUE FROM DEPOSITORY INSTITUTIONS
Exclude assets held for trading.
---------
C405
--------------------------------------------------
(Column A) (Column B)
Consolidated Domestic
Bank Offices
--------------------------------------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou RCON Bil Mil Thou
- --------------------------------------------------------------------------------------------------------------------------
1. Cash items in process of collection, unposted debits, and currency /////////////////////// ///////////////////////
and coin.......................................................... 0022 876,942 /////////////////////// 1.
a. Cash items in process of collection and unposted debits....... /////////////////////// 0020 825,552 1.a.
b. Currency and coin............................................. /////////////////////// 0080 51,390 1.b.
2. Balances due from depository institutions in the U.S. ............ /////////////////////// 0082 36,122 2.
a. U.S. branches and agencies of foreign banks (including /////////////////////// ///////////////////////
their IBFs)................................................... 0083 0 /////////////////////// 2.a.
b. Other commercial banks in the U.S. and other depository /////////////////////// ///////////////////////
institutions in the U.S. (including their IBFs)............... 0085 36,122 /////////////////////// 2.b.
3. Balances due from banks in foreign countries and foreign central /////////////////////// ///////////////////////
banks............................................................. /////////////////////// 0070 4,374 3.
a. Foreign branches of other U.S. banks.......................... 0073 0 /////////////////////// 3.a.
b. Other banks in foreign countries and foreign central banks.... 0074 4,374 /////////////////////// 3.b.
4. Balances due from Federal Reserve Banks........................... 0090 12,656 0090 12,656 4.
5. Total (sum of items 1 through 4) (total of column A must equal ////////////////////////////////////////////////
Schedule RC, sum of items 1.a and 1.b)............................ 0010 930,094 0010 930,094 5.
--------------------------------------------------
-----------------------
Memorandum Dollar Amounts in Thousands RCON Bil Mil Thou
- --------------------------------------------------------------------------------------------------------------------------
1. Noninterest-bearing balances due from commercial banks in the U.S. (included in item 2,
column B above)............................................................................ 0050 36,122 M.1.
-----------------------
SCHEDULE RC-B--SECURITIES
Exclude assets held for trading.
---------
C410
------------------------------------------------------------------------------
Held-to-maturity Available-for-sale
------------------------------------------------------------------------------
(Column A) (Column B) (Column C) (Column D)
Amortized Cost Fair Value Amortized Cost Fair Value(1)
------------------------------------------------------------------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou
- --------------------------------------------------------------------------------------------------------------------------
1. U.S. Treasury securities.............. 0211 0 0213 0 1286 125,903 1287 123,279 1.
2. U.S. Government agency and corporation ///////////////// ///////////////// ///////////////// /////////////////
obligations (exclude mortgage-backed ///////////////// ///////////////// ///////////////// /////////////////
securities: ///////////////// ///////////////// ///////////////// /////////////////
a. Issued by U.S. Government ///////////////// ///////////////// ///////////////// /////////////////
agencies(2)....................... 1289 0 1290 0 1291 0 1293 0 2.a.
b. Issued by U.S. Government- ///////////////// ///////////////// ///////////////// /////////////////
sponsored agencies(3)............. 1294 0 1295 0 1297 87,621 1298 87,682 2.b.
------------------------------------------------------------------------------
- ------------
(1) Includes equity securities without readily determinable fair values at historical cost in item 6.c, column D.
(2) Includes Small Business Administration "Guaranteed Loan Pool Certificates," U.S. Maritime Administration obligations, and
Export-Import Bank participation certificates.
(3) Includes obligations (other than mortgage-backed securities) issued by the Farm Credit System, the Federal Home Loan Bank
System, the Federal Home Loan Mortgage Corporation, the Federal National Mortgage Association, the Financing Corporation,
Resolution Funding Corporation, the Student Loan Marketing Association, and the Tennessee Valley
Authority.
13
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK:39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-4
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 06559
SCHEDULE RC-B--CONTINUED
----------------------------------------- -----------------------------------------
Held-to-maturity Available-for-sale
----------------------------------------- -----------------------------------------
(Column A) (Column B) (Column C) (Column D)
Amortized Cost Fair Value Amortized Cost Fair Value(1)
------------------- ------------------- ------------------- -------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou
- ----------------------------------- ------------------- ------------------- ------------------- -------------------
3. Securities issued by states /////////////////// /////////////////// /////////////////// ///////////////////
and political subdivisions /////////////////// /////////////////// /////////////////// ///////////////////
in the U.S.: /////////////////// /////////////////// /////////////////// ///////////////////
a. General obligations........ 1676 11,904 1677 15,725 1678 0 1679 0 3.a.
b. Revenue obligations........ 1681 12,457 1686 10,099 1690 645 1691 660 3.b.
c. Industrial development /////////////////// /////////////////// /////////////////// ///////////////////
and similar obligations... 1694 9,383 1695 9,405 1696 0 1697 0 3.c.
4. Mortgage-backed /////////////////// /////////////////// /////////////////// ///////////////////
securities (MBS): /////////////////// /////////////////// /////////////////// ///////////////////
a. Pass-through securities: /////////////////// /////////////////// /////////////////// ///////////////////
(1) Guaranteed by /////////////////// /////////////////// /////////////////// ///////////////////
GNMA.................. 1698 0 1699 0 1701 0 1702 0 4.a.(1)
(2) Issued by FNMA /////////////////// /////////////////// /////////////////// ///////////////////
and FHLMC............. 1703 0 1705 0 1706 13,782 1707 14,038 4.a.(2)
(3) Other pass-through /////////////////// /////////////////// /////////////////// ///////////////////
securities............ 1709 472 1710 458 1711 5,820 1713 6,020 4.a.(3)
b. Other mortgage-backed /////////////////// /////////////////// /////////////////// ///////////////////
securities (include CMOs, /////////////////// /////////////////// /////////////////// ///////////////////
REMICs, and stripped /////////////////// /////////////////// /////////////////// ///////////////////
MBS): /////////////////// /////////////////// /////////////////// ///////////////////
(1) Issued or guaranteed /////////////////// /////////////////// /////////////////// ///////////////////
by FNMA, FHLMC, /////////////////// /////////////////// /////////////////// ///////////////////
or GNMA............... 1714 0 1715 0 1716 18,110 1717 18,133 4.b.(1)
(2) Collateralized /////////////////// /////////////////// /////////////////// ///////////////////
by MBS issued or /////////////////// /////////////////// /////////////////// ///////////////////
guaranteed by FNMA, /////////////////// /////////////////// /////////////////// ///////////////////
FHLMC, or GNMA........ 1718 0 1719 0 1731 0 1732 0 4.b.(2)
(3) All other mortgage- /////////////////// /////////////////// /////////////////// ///////////////////
backed securities..... 1733 0 1734 0 1735 0 1736 0 4.b.(3)
5. Other debt securities: /////////////////// /////////////////// /////////////////// ///////////////////
a. Other domestic debt /////////////////// /////////////////// /////////////////// ///////////////////
securities................. 1737 0 1738 0 1739 490 1741 502 5.a.
b. Foreign debt /////////////////// /////////////////// /////////////////// ///////////////////
securities................. 1742 2,750 1743 2,750 1744 0 1746 0 5.b.
6. Equity securities: /////////////////// /////////////////// /////////////////// ///////////////////
a. Investments in mutual /////////////////// /////////////////// /////////////////// ///////////////////
funds...................... /////////////////// /////////////////// 1747 0 1748 0 6.a.
b. Other equity securities /////////////////// /////////////////// /////////////////// ///////////////////
with readily determin- /////////////////// /////////////////// /////////////////// ///////////////////
able fair values........... /////////////////// /////////////////// 1749 0 1751 0 6.b.
c. All other equity /////////////////// /////////////////// /////////////////// ///////////////////
securities(1).............. /////////////////// /////////////////// 1752 3,843 1753 3,843 6.c.
7. Total (sum of items 1 /////////////////// /////////////////// /////////////////// ///////////////////
through 6) (total of /////////////////// /////////////////// /////////////////// ///////////////////
column A must equal /////////////////// /////////////////// /////////////////// ///////////////////
Schedule RC, item 2.a) /////////////////// /////////////////// /////////////////// ///////////////////
(total of column D must /////////////////// /////////////////// /////////////////// ///////////////////
equal Schedule RC, /////////////////// /////////////////// /////////////////// ///////////////////
item 2.b)...................... 1754 36,966 1771 38,437 1772 256,214 1773 254,157 7.
------------------- ------------------- ------------------- -------------------
_____________________
(1) Includes equity securities without readily determinable fair values at historical cost in item 6.c, column D.
14
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK:39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-5
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 06559
SCHEDULE RC-B--CONTINUED
---------
C412
-------------------
Memoranda Dollar Amounts in Thousands RCFD Bil Mil Thou
- ----------------------------------------------------------------------------------------------------- ------------------
1. Pledged securities(2) ........................................................................... 0416 281,985 M.1.
2. Maturity and repricing data for debt securities (2), (3), (4) (excluding those in //////////////////
nonaccrual status): //////////////////
a. Fixed rate debt securities with a remaining maturity of: //////////////////
(1) Three months or less ................................................................... 0343 1,000 M.2.a.(1)
(2) Over three months through 12 months .................................................... 0344 8,333 M.2.a.(2)
(3) Over one year through five years ....................................................... 0345 183,243 M.2.a.(3)
(4) Over five years ........................................................................ 0346 14,178 M.2.a.(4)
(5) Total fixed rate debt securities (sum of Memorandum items 2.a(1) through 2.a(4) ........ 0347 206,754 M.2.a.(5)
b. Floating rate debt securities with a repricing frequency of: //////////////////
(1) Quarterly or more frequently ........................................................... 4544 78,889 M.2.b.(1)
(2) Annually or more frequently, but less frequently than quarterly ........................ 4545 1,637 M.2.b.(2)
(3) Every five years or more frequently, but less frequently than annually ................. 4551 0 M.2.b.(3)
(4) Less frequently than every five years .................................................. 4552 0 M.2.b.(4)
(5) Total floating rate debt securities (sum of Memorandum items 2.b.(1) through 2.b.(4))... 4553 80,526 M.2.b.(5)
c. Total debt securities (sum of Memorandum items 2.a.(5) and 2.b.(5)) (must equal total //////////////////
debt securities from Schedule RC-B, sum of items 1 through 5, columns A and D, minus //////////////////
nonaccrual debt securities included in Schedule RC-N, item 9, column C) ..................... 0393 287,280 M.2.c.
3. Not applicable //////////////////
4. Held-to-maturity debt securities restructured and in compliance with modified terms (included //////////////////
in Schedule RC-B, items 3 through 5, column A, above) ........................................... 5365 0 M.4.
5. Not applicable //////////////////
6. Floating rate debt securities with a remaining maturity of one year or less(2), (4) (included in //////////////////
Memorandum items 2.b.(1) through 2.b.(4) above) ................................................. 5519 40,100 M.6.
7. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or //////////////////
trading securities during the calendar year-to-date (report the amortized cost at date of sale //////////////////
or transfer) .................................................................................... 1778 0 M.7.
8. High-risk mortgage securities (included in the held-to-maturity and available-for-sale //////////////////
accounts in Schedule RC-B, item 4.b): //////////////////
a. Amortized cost .............................................................................. 8780 0 M.8.a.
b. Fair value .................................................................................. 8781 0 M.8.b.
9. Structured notes (included in the held-to-maturity and available-for-sale accounts in //////////////////
Schedule RC-B, items 2, 3, and 5): //////////////////
a. Amortized cost .............................................................................. 8782 0 M.9.a.
b. Fair value .................................................................................. 8783 0 M.9.b.
-------------------
_____________________
(2) Includes held-to-maturity securities at amortized cost and available-for-sale securities at fair value.
(3) Exclude equity securities, e.g., investments in mutual funds, Federal Reserve stock, common stock, and preferred stock.
(4) Memorandum items 2 and 6 are not applicable to savings banks that must complete supplemental Schedule RC-J.
15
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK:39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-6
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 06559
SCHEDULE RC-C--LOANS AND LEASE FINANCING RECEIVABLES
PART I. LOANS AND LEASES
Do not deduct the allowance for loan and lease losses from amounts ---------
reported in this schedule. Report total loans and leases, net of unearned C415
income. Exclude assets for trading. --------------------------------------
(Column A) (Column B)
Consolidated Domestic
Bank Offices
------------------ ------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou RCON Bil Mil Thou
- ------------------------------------------------------------------------------- ------------------ ------------------
1. Loans secured by real estate ............................................. 1410 1,088,609 ////////////////// 1.
a. Construction and land development .................................... ////////////////// 1415 149,467 1.a.
b. Secured by farmland (including farm residential and other ////////////////// //////////////////
improvements) ........................................................ ////////////////// 1420 6,478 1.b.
c. Secured by 1-4 family residential properties: ////////////////// //////////////////
(1) Revolving, open-end loans secured by 1-4 family residential ////////////////// //////////////////
properties and extended under lines of credit ................... ////////////////// 1797 225,263 1.c.(1)
(2) All other loans secured by 1-4 family residential properties: ////////////////// //////////////////
(a) Secured by first liens ..................................... ////////////////// 5367 226,673 1.c.(2)(a)
(b) Secured by junior liens .................................... ////////////////// 5368 80,927 1.c.(2)(b)
d. Secured by multifamily (5 or more) residential properties ............ ////////////////// 1460 24,414 1.d.
e. Secured by nonfarm nonresidential properties ......................... ////////////////// 1480 375,387 1.e.
2. Loans to depository institutions: ////////////////// //////////////////
a. To commercial banks in the U.S. ...................................... ////////////////// 1505 2,004 2.a.
(1) To U.S. branches and agencies of foreign banks .................. 1506 0 ////////////////// 2.a.(1)
(2) To other commercial banks in the U.S. ........................... 1507 2,004 ////////////////// 2.a.(2)
b. To other depository institutions in the U.S. ......................... 1517 251 1517 251 2.b.
c. To banks in foreign countries ........................................ ////////////////// 1510 500 2.c.
(1) To foreign branches of other U.S. banks ......................... 1513 0 ////////////////// 2.c.(1)
(2) To other banks in foreign countries ............................. 1516 500 ////////////////// 2.c.(2)
3. Loans to finance agricultural production and other loans to farmers ...... 1590 10,949 1590 10,949 3.
4. Commercial and industrial loans: ////////////////// //////////////////
a. To U.S. addressees (domicile) ........................................ 1763 949,898 1763 949,898 4.a.
b. To non-U.S. addressees (domicile) .................................... 1764 0 1764 0 4.b.
5. Acceptances of other banks: ////////////////// //////////////////
a. Of U.S. banks ........................................................ 1756 0 1756 0 5.a.
b. Of foreign banks ..................................................... 1757 0 1757 0 5.b.
6. Loans to individuals for household, family, and other personal ////////////////// //////////////////
expenditures (i.e., consumer loans) (includes purchased paper) ........... ////////////////// 1975 4l,157,233 6.
a. Credit cards and related plans (includes check credit and other ////////////////// //////////////////
revolving credit plans) .............................................. 2008 3,138,216 ////////////////// 6.a.
b. Other (includes single payment, installment, and all student loans) .. 2011 1,019,017 ////////////////// 6.b.
7. Loans to foreign governments and official institutions (including ////////////////// //////////////////
foreign central banks) ................................................... 2081 13 2081 13 7.
8. Obligations (other than securities and leases) of states and political ////////////////// //////////////////
subdivisions in the U.S. (includes nonrated industrial development ////////////////// //////////////////
obligations) ............................................................. 2107 27,790 2107 27,790 8.
9. Other loans .............................................................. 1563 164,847 ////////////////// 9.
a. Loans for purchasing or carrying securities (secured and unsecured) .. ////////////////// 1545 7,191 9.a.
b. All other loans (exclude consumer loans) ............................. ////////////////// 1564 157,656 9.b.
10. Lease financing receivables (net of unearned income) ..................... ////////////////// 2165 1,016,511 10.
a. Of U.S. addressees (domicile) ........................................ 2182 1,016,511 ////////////////// 10.a
b. Of non-U.S. addressees (domicile) .................................... 2183 0 ////////////////// 10.b.
11. LESS: Any unearned income on loans reflected in items 1-9 above ......... 2123 524 2123 524 11.
12. Total loans and leases, net of unearned income (sum of items 1 ////////////////// //////////////////
through 10 minus item 11) (total of column A must equal ////////////////// //////////////////
Schedule RC, item 4.a) ................................................... 2122 7,418,081 2122 7,418,081 12.
--------------------------------------
16
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK:39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-7
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 06559
SCHEDULE RC-C--CONTINUED
PART I. CONTINUED
--------------------------------------
(Column A) (Column B)
Consolidated Domestic
Bank Offices
------------------ ------------------
Memoranda Dollar Amounts in Thousands RCFD Bil Mil Thou RCON Bil Mil Thou
- ------------------------------------------------------------------------------- ------------------ ------------------
1. Commercial paper included in Schedule RC-C, part I, above ................ 1496 0 1496 0 M.1.
2. Loans and leases restructured and in compliance with modified terms ////////////////// //////////////////
(included in Schedule RC-C, part I, above and not reported as past due ////////////////// //////////////////
or nonaccrual in Schedule RC-N, Memorandum item 1): ////////////////// //////////////////
a. Loans secured by real estate: ////////////////// //////////////////
------------------
(1) To U.S. addressees (domicile) ................................... 1687 0 M.2.a.(1)
(2) To non-U.S. addressees (domicile) ............................... 1689 0 M.2.a.(2)
b. All other loans and all lease financing receivables (exclude loans to //////////////////
individuals for household, family, and other personal expenditures) .. 8691 0 M.2.b
c. Commercial and industrial loans to and lease financing receivables //////////////////
of non-U.S. addressees (domicile) included in Memorandum item 2.b //////////////////
above ................................................................ 8692 0 M.2.c.
3. Maturity and repricing data for loans and leases(1) (excluding those in //////////////////
nonaccrual status): //////////////////
a. Fixed rate loans and leases with a remaining maturity of: //////////////////
(1) Three months or less ............................................. 0348 97,601 M.3.a.(1)
(2) Over three months through 12 months .............................. 0349 228,161 M.3.a.(2)
(3) Over one year through five years ................................. 0356 1,570,688 M.3.a.(3)
(4) Over five years .................................................. 0357 613,413 M.3.a.(4)
(5) Total fixed rate loans and leases (sum of Memorandum //////////////////
items 3.a.(1) through 3.a.(4)) ................................... 0358 2,509,863 M.3.a.(5)
b. Floating rate loans with a repricing frequency of: //////////////////
(1) Quarterly or more frequently ..................................... 4554 4,091,557 M.3.b.(1)
(2) Annually or more frequently, but less frequently than quarterly .. 4555 700,694 M.3.b.(2)
(3) Every five years or more frequently, but less frequently than //////////////////
annually ......................................................... 4561 78,177 M.3.b.(3)
(4) Less frequently than every five years ............................ 4564 15,629 M.3.b.(4)
(5) Total floating rate loans (sum of Memorandum items 3.b.(1) //////////////////
through 3.b.(4)).................................................. 4567 4,886,057 M.3.b.(5)
c. Total loans and leases (sum of Memorandum items 3.a.(5) and //////////////////
3.b.(5)) (must equal the sum of total loans and leases, net, from //////////////////
Schedule RC-C, part I, item 12, plus unearned income from //////////////////
Schedule RC-C, part I, item 11, minus total nonaccrual loans and //////////////////
leases from Schedule RC-N, sum of items 1 through 8, column C) ........ 1479 7,395,920 M.3.c.
d. Floating rate loans with a remaining maturity of one year or less //////////////////
(included in Memorandum items 3.b.(1) through 3.b.(4) above) .......... A246 1,566,132 M.3.d.
4. Loans to finance commercial real estate, construction, and land //////////////////
development activities (not secured by real estate) included in //////////////////
Schedule RC-C, part I, items 4 and 9, column A, page RC-6(2) .............. 2746 27,059 M.4.
5. Loans and leases held for sale (included in Schedule RC-C, part I, //////////////////
above) .................................................................... 5369 0 M.5.
------------------
6. Adjustable rate closed-end loans secured by first liens on 1-4 family ////////////////// RCON Bil Mil Thou
residential properties (included in Schedule RC-C, part I, item 1.c.(2)(a), ////////////////// ------------------
column B, page RC-6) ...................................................... ////////////////// 5370 29,737 M.6.
--------------------------------------
_____________________
1) Memorandum item 3 is not applicable to savings banks that must complete supplemental Schedule RC-J.
2) Exclude loans secured by real estate that are included in Schedule RC-C, part I, item 1, column A.
17
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-8
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 06559
SCHEDULE RC-D--TRADING ASSETS AND LIABILITIES
Schedule RC-D is to be completed only by banks with $1 billion or more in total assets or with $2 billion or more in par/notional
amount of off-balance sheet derivative contracts (as reported in Schedule RC-L, items 14.a through 14.e, columns A through D).
---------
C420
---------------------------
Dollar Amounts in Thousands ///////// Bil Mil Thou
- ---------------------------------------------------------------------------------------------
ASSETS /////////////////////////
1. U.S. Treasury securities in domestic offices............... RCON 3531 0 1.
2. U.S. Government agency and corporation obligations /////////////////////////
in domestic offices (exclude mortgage-backed securities)... RCON 3532 0 2.
3. Securities issued by states and political /////////////////////////
subdivisions in the U.S. in domestic offices............... RCON 3533 0 3.
4. Mortgage-backed securities (MBS) in domestic offices: /////////////////////////
a. Pass-through securities issued or guaranteed by /////////////////////////
FNMA, FHLMC, or GNMA.................................... RCON 3534 0 4.a.
b. Other mortgage-backed securities issued or /////////////////////////
guaranteed by FNMA, FHLMC, or GNMA /////////////////////////
(include CMOs, REMICs, and stripped MBS)................ RCON 3535 0 4.b.
c. All other mortgage-backed securities.................... RCON 3536 0 4.c.
5. Other debt securities in domestic offices.................. RCON 3537 0 5.
6. Certificates of deposit in domestic offices................ RCON 3538 0 6.
7. Commercial paper in domestic offices....................... RCON 3539 0 7.
8. Bankers acceptances in domestic offices.................... RCON 3540 0 8.
9. Other trading assets in domestic offices................... RCON 3541 0 9.
10. Trading assets in foreign offices.......................... RCON 3542 0 10.
11. Revaluation gains on interest rate, foreign exchange /////////////////////////
rate, and other commodity and equity contracts: /////////////////////////
a. In domestic offices..................................... RCON 3543 0 11.a.
b. In foreign offices...................................... RCFN 3544 0 11.b.
12. Total trading assets (sum of items 1 through 11) /////////////////////////
(must equal Schedule RC, item 5)........................... RCON 3545 0 12.
---------------------------
---------------------------
LIABILITIES ///////// Bil Mil Thou
---------------------------
13. Liability for short positions.............................. RCFD 3546 0 13.
14. Revaluation losses on interest rate, foreign exchange /////////////////////////
rate, and other commodity and equity contracts............. RCFD 3547 0 14.
15. Total trading liabilities (sum of items 13 and 14) /////////////////////////
(must equal Schedule RC, item 15.b)........................ RCFD 3548 0 15.
---------------------------
18
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-9
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 06559
SCHEDULE RC-E--DEPOSIT LIABILITIES
PART I. DEPOSITS IN DOMESTIC OFFICES
---------
C425
-----------------------------------------------------------
Nontransaction
Transaction Accounts Accounts
-----------------------------------------------------------
(Column A) (Column B) (Column C)
Total transaction Memo: Total Total
accounts (including demand deposits nontransaction
total demand (included in accounts
deposits) column A) (including MMDAs)
-----------------------------------------------------------
Dollar Amounts in Thousands RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou
- -------------------------------------------------------------------------------------------------------------------------
Deposits of: ///////////////// ///////////////// /////////////////
1. Individuals, partnerships, and corporations.............. 2201 1,214,536 2240 1,152,080 2346 2,770,144 1.
2. U.S. Government.......................................... 2202 5,218 2280 5,218 2520 0 2.
3. States and political subdivisions in the U.S. ........... 2203 41,555 2290 39,593 2530 27,564 3.
4. Commercial banks in the U.S. ............................ 2206 521,517 2310 521,517 2550 16,851 4.
5. Other depository institutions in the U.S. ............... 2207 7,523 2312 7,523 2349 0 5.
6. Banks in foreign countries............................... 2213 5,884 2320 5,884 2236 0 6.
7. Foreign governments and official institutions (including ///////////////// ///////////////// /////////////////
foreign central banks)................................... 2216 0 2300 0 2377 0 7.
8. Certified and official checks............................ 2330 51,255 2330 51,255 ///////////////// 8.
9. Total (sum of items 1 through 8) (sum of columns A and C ///////////////// ///////////////// /////////////////
must equal Schedule RC, item 13.a)...................... 2215 1,847,488 2210 1,783,070 2385 2,814,559 9.
-----------------------------------------------------------
Memoranda
-----------------
Dollar Amounts in Thousands RCON Bil Mil Thou
- ----------------------------------------------------------------------------------------------------------------------
1. Selected components of total deposits (i.e., sum of item 9, columns A and C): /////////////////
a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts........................ 6835 232,060 M.1.a.
b. Total brokered deposits.................................................................... 2365 3,265 M.1.b.
c. Fully insured brokered deposits (included in Memorandum item 1.b above): /////////////////
(1) Issued in denominations of less than $100,000......................................... 2343 178 M.1.c.(1)
(2) Issued either in denominations of $100,000 or in denominations greater than /////////////////
$100,000 and participated out by the broker in shares of $100,000 or less............. 2344 2,481 M.1.c.(2)
d. Maturity data for brokered deposits: /////////////////
(1) Brokered deposits issued in denominations of less than $100,000 with a remaining /////////////////
maturity of one year or less (included in Memorandum item 1.c.(1) above).............. A243 175 M.1.d.(1)
(2) Brokered deposits issued in denominations of $100,000 or more with a remaining /////////////////
maturity of one year or less (included in Memorandum item 1.b above).................. A244 1,006 M.1.d.(2)
e. Preferred deposits (uninsured deposits of states and political subdivisions in the U.S. /////////////////
reported in item 3 above which are secured or collateralized as required under state law).. 5590 68,158 M.1.e.
2. Components of total nontransaction accounts (sum of Memorandum items 2.a through 2.d must /////////////////
equal item 9, column C above): /////////////////
a. Savings deposits: /////////////////
(1) Money market deposit accounts (MMDAs)................................................. 6810 1,306,498 M.2.a.(1)
(2) Other savings deposits (excludes MMDAs)............................................... 0352 486,321 M.2.a.(2)
b. Total time deposits of less than $100,000.................................................. 6648 903,076 M.2.b.
c. Time certificates of deposit of $100,000 or more........................................... 6645 118,664 M.2.c.
d. Open-account time deposits of $100,000 or more............................................. 6646 0 M.2.d.
3. All NOW accounts (included in column A above).................................................. 2398 64,418 M.3.
-----------------
4. Not applicable
19
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-10
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 06559
SCHEDULE RC-E--CONTINUED
PART I. CONTINUED
Memoranda (continued)
-----------------
Dollar Amounts in Thousands RCON Bil Mil Thou
- ----------------------------------------------------------------------------------------------------------------------
5. Maturity and repricing data for time deposits of less than $100,000 (sum of Memorandum /////////////////
items 5.a.(1) through 5.b.(3) must equal Memorandum item 2.b above):(1) /////////////////
a. Fixed rate time deposits of less than $100,000 with a remaining maturity of: /////////////////
(1) Three months or less.................................................................. A225 106,815 M.5.a.(1)
(2) Over three months through 12 months................................................... A226 309,797 M.5.a.(2)
(3) Over one year......................................................................... A227 486,464 M.5.a.(3)
b. Floating rate time deposits of less than $100,000 with a repricing frequency of: /////////////////
(1) Quarterly or more frequently.......................................................... A228 0 M.5.b.(1)
(2) Annually or more frequently, but less frequently than quarterly....................... A229 0 M.5.b.(2)
(3) Less frequently than annually......................................................... A230 0 M.5.b.(3)
c. Floating rate time deposits of less than $100,000 with a remaining maturity of /////////////////
one year or less (included in Memorandum items 5.b.(1) through 5.b.(3) above).............. A231 0 M.5.c.
6. Maturity and repricing data for time deposits of $100,000 or more (i.e., time certificates of /////////////////
deposit of $100,000 or more and open-account time deposits of $100,000 or more) (sum of /////////////////
Memorandum items 6.a.(1) through 6.b.(4) must equal the sum of Memorandum items 2.c and 2.d /////////////////
above):(1) /////////////////
a. Fixed rate time deposits of $100,000 or more with a remaining maturity of: /////////////////
(1) Three months or less.................................................................. A232 53,487 M.6.a.(1)
(2) Over three months through 12 months................................................... A233 32,792 M.6.a.(2)
(3) Over one year through five years...................................................... A234 16,313 M.6.a.(3)
(4) Over five years....................................................................... A235 16,072 M.6.a.(4)
b. Floating rate time deposits of $100,000 or more with a repricing frequency of: /////////////////
(1) Quarterly or more frequently.......................................................... A236 0 M.6.b.(1)
(2) Annually or more frequently, but less frequently than quarterly....................... A237 0 M.6.b.(2)
(3) Every five years or more frequently, but less frequently than annually................ A238 0 M.6.b.(3)
(4) Less frequently than every five years................................................. A239 0 M.6.b.(4)
c. Floating rate time deposits of $100,000 or more with a remaining maturity of one year or /////////////////
less (included in Memorandum items 6.b.(1) through 6.b.(4) above).......................... A240 0 M.6.c.
-----------------
- ------------
(1) Memorandum items 5 and 6 are not applicable to savings banks that must complete supplemental Schedule RC-J.
20
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-11
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 06559
SCHEDULE RC-E--CONTINUED
PART II. DEPOSITS IN FOREIGN OFFICES (INCLUDING EDGE AND
AGREEMENT SUBSIDIARIES AND IBFS)
-----------------
Dollar Amounts in Thousands RCFN Bil Mil Thou
- ----------------------------------------------------------------------------------------------------------------------
Deposits of: /////////////////
1. Individuals, partnerships, and corporations.................................................... 2621 504,194 1.
2. U.S. banks (including IBFs and foreign branches of U.S. banks)................................. 2623 771,000 2.
3. Foreign banks (including U.S. branches and agencies of foreign banks, including their IBFs).... 2625 0 3.
4. Foreign governments and official institutions (including foreign central banks)................ 2650 0 4.
5. Certified and official checks.................................................................. 2330 0 5.
6. All other deposits............................................................................. 2668 0 6.
7. Total (sum of items 1 through 6) (must equal Schedule RC, item 13.b)........................... 2200 1,275,194 7.
-----------------
Memorandum
-----------------
Dollar Amounts in Thousands RCFN Bil Mil Thou
- ----------------------------------------------------------------------------------------------------------------------
1. Time deposits with a remaining maturity of one year or less (included in Part II, /////////////////
item 7 above).................................................................................. A245 1,271,001 M.1.
-----------------
SCHEDULE RC-F--OTHER ASSETS
-------
C430
----------------------
Dollar Amounts in Thousands ///////// Bil Mil Thou
- ----------------------------------------------------------------------------------------------------------------------
1. Income earned, not collected on loans..................................................... RCFD 2164 61,662 1.
2. Net deferred tax assets(1)................................................................ RCFD 2148 0 2.
3. Excess residential mortgage servicing fees receivable..................................... RCFD 5371 0 3.
4. Other (itemize and describe amounts that exceed 25% of this item)......................... RCFD 2168 436,393 4.
----------- ---------------------- //////////////////////
a. TEXT 3549 CASH SURRENDER VALUE - COLI RCFD 3549 136,126 ////////////////////// 4.a.
----------------------------------------------------------------- //////////////////////
b. TEXT 3550 VISA DRAFTS RCFD 3550 136,955 ////////////////////// 4.b.
----------------------------------------------------------------- //////////////////////
c. TEXT 3551 RCFD 3551 ////////////////////// 4.c.
--------------------------------------------------------------------------------------- //////////////////////
5. Total (sum of items 1 through 4 ) (must equal Schedule RC, item 11)....................... RCFD 2160 498,055 5.
----------------------
Memorandum
----------------------
Dollar Amounts in Thousands ///////// Bil Mil Thou
- ----------------------------------------------------------------------------------------------------------------------
1. Deferred tax assets disallowed for regulatory capital purposes............................ RCFD 5610 0 M.1.
----------------------
SCHEDULE RC-G--OTHER LIABILITIES
-------
C435
-----------------------
Dollar Amounts in Thousands ///////// Bil Mil Thou
- ----------------------------------------------------------------------------------------------------------------------
1. a. Interest accrued and unpaid on deposits in domestic offices(2)........................ RCON 3645 21,167 1.a.
b. Other expenses accrued and unpaid (includes accrued income taxes payable)............. RCFD 3646 40,077 1.b.
2. Net deferred tax liabilities(1)........................................................... RCFD 3049 62,486 2.
3. Minority interest in consolidated subsidiaries............................................ RCFD 3000 0 3.
4. Other (itemize and describe amounts that exceed 25% of this item)......................... RCFD 2938 30,061 4.
----------- ---------------------- //////////////////////
a. TEXT 3552 DEFERRED FEES RECEIVED ON SWAPS RCFD 3552 25,967 ////////////////////// 4.a.
----------------------------------------------------------------- //////////////////////
b. TEXT 3553 RCFD 3553 ////////////////////// 4.b.
----------------------------------------------------------------- //////////////////////
c. TEXT 3554 RCFD 3554 ////////////////////// 4.c.
--------------------------------------------------------------------------------------- //////////////////////
5. Total (sum of items 1 through 4 ) (must equal Schedule RC, item 20)....................... RCFD 2930 153,791 5.
-----------------------
- ------------
(1) See discussion of deferred income taxes in Glossary entry on "income taxes."
(2) For savings banks, include "dividends" accrued and unpaid on deposits.
21
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580
FFIEC 031
Address: 100 East Broad Street Page RC-12
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: |0|6|5|5|9|
SCHEDULE RC-H--SELECTED BALANCE SHEET ITEMS FOR DOMESTIC OFFICES
-----------
C440
----------------
DOMESTIC OFFICES
-----------------------
Dollar Amounts in Thousands RIAD BIL MIL THOU
- ------------------------------------------------------------------------------------------- -----------------------
1. Customers' liability to this bank on acceptances outstanding ............................. 2155 5,170 1.
2. Bank's liability on acceptances executed and outstanding ................................. 2920 5,170 2.
3. Federal funds sold and securities purchased under agreements to resell ................... 1350 219,165 3.
4. Federal funds purchased and securities sold under agreements to repurchase ............... 2800 1,416,147 4.
5. Other borrowed money ..................................................................... 3190 904,477 5.
EITHER /////////////////////
6. Net due from own foreign offices, Edge and Agreement subsidiaries, and IBFs .............. 2163 N/A 6.
OR /////////////////////
7. Net due to own foreign offices, Edge and Agreement subsidiaries, and IBFs ................ 2941 1,276,129 7.
8. Total assets (excludes net due from foreign offices, Edge and Agreement subsidiaries, and /////////////////////
IBFs) .................................................................................... 2192 9,263,209 8.
9. Total liabilities (excludes net due to foreign offices, Edge and Agreement subsidiaries, /////////////////////
and IBFs) ................................................................................ 3129 7,391,082 9.
---------------------
Items 10-17 include held-to-maturity and available-for-sale securities in domestic offices.
-----------------------
RCON BIL MIL THOU
-----------------------
10. U.S. Treasury securities ................................................................ 1779 123,278 10.
11. U.S. Government agency and corporation obligations (exclude mortgage-backed /////////////////////
securities) ............................................................................. 1785 87,682 11.
12. Securities issued by states and political subdivisions in the U.S. ...................... 1786 34,403 12.
13. Mortgage-backed securities (MBS): /////////////////////
a. Pass-through securities: /////////////////////
(1) Issued or guaranteed by FNMA, FHLMC, or GNMA .................................... 1787 14,038 13.a.(1)
(2) Other pass-through securities ................................................... 1869 6,492 13.a.(2)
b. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS): /////////////////////
(1) Issued or guaranteed by FNMA, FHLMC, or GNMA .................................... 1877 18,133 13.b.(1)
(2) All other mortgage-backed securities ............................................ 2253 0 13.b.(2)
14. Other domestic debt securities .......................................................... 3159 502 14.
15. Foreign debt securities ................................................................. 3160 0 15.
16. Equity securities: /////////////////////
a. Investments in mutual funds .......................................................... 3161 0 16.a.
b. Other equity securities with readily determinable fair values ........................ 3162 0 16.b.
c. All other equity securities .......................................................... 3169 3,843 16.c.
17. Total held-to-maturity and available-for-sale securities (sum of items 10 through 16) ... 3170 288,371 17.
---------------------
Memorandum (to be completed only by banks with IBFs and other "foreign" offices)
-----------------------
Dollar Amounts in Thousands RCON BIL MIL THOU
- ------------------------------------------------------------------------------------------- -----------------------
EITHER /////////////////////
1. Net due from the IBF of the domestic offices of the reporting bank ...................... 3051 N/A M.1.
OR /////////////////////
2. Net due to the IBF of the domestic offices of the reporting bank ........................ 3059 N/A M.2.
22
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580
FFIEC 031
Address: 100 East Broad Street Page RC-13
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: |0|6|5|5|9|
SCHEDULE RC-I--SELECTED ASSETS AND LIABILITIES OF IBFs
To be completed only by banks with IBFs and other "foreign" offices.
-----------
C445
-----------------------
Dollar Amounts in Thousands RCFN BIL MIL THOU
- ------------------------------------------------------------------------------------------- -----------------------
1. Total IBF assets of the consolidated bank (component of Schedule RC, item 12) ............ 2133 N/A 1.
2. Total IBF loans and lease financing receivables (component of Schedule RC-C, part I, /////////////////////
item 12, column A) ....................................................................... 2076 N/A 2.
3. IBF commercial and industrial loans (component of Schedule RC-C, part I, item 4 /////////////////////
column A) ................................................................................ 2077 N/A 3.
4. Total IBF liabilities (component of Schedule RC, item 21) ................................ 2898 N/A 4.
5. IBF deposit liabilities due to banks, including other IBFs (component of Schedule RC-E, /////////////////////
part II, items 2 and 3) .................................................................. 2379 N/A 5.
6. Other IBF deposit liabilities (component of Schedule RC-E, part II, items 1, 4, 5, and 6). 2381 N/A 6.
---------------------
SCHEDULE RC-K--QUARTERLY AVERAGES (1)
------------
C455
-----------------
Dollar Amounts in Thousands //////// BIL MIL THOU
- ------------------------------------------------------------------------------------------- ------------------------
ASSETS ///////////////////////
1. Interest-bearing balances due from depository institutions ............................ RCFD 3381 0 1.
2. U.S. Treasury securities and U.S. Government agency and corporation obligations (2) ... RCFD 3382 248,254 2.
3. Securities issued by states and political subdivisions in the U.S. (2) ................ RCFD 3383 24,439 3.
4. a. Other debt securities(2) .......................................................... RCFD 3647 8,729 4.a.
b. Equity securities(3) (includes investments in mutual funds and Federal Reserve ///////////////////////
stock) ................................................................................ RCFD 3648 3,844 4.b.
5. Federal funds sold and securities purchased under agreements to resell in domestic ///////////////////////
offices of the bank and of its Edge and Agreement subsidiaries, and in IBFs ........... RCFD 3365 339,259 5.
6. Loans: ///////////////////////
a. Loans in domestic offices: ///////////////////////
(1) Total loans ................................................................... RCON 3360 5,906,357 6.a.(1)
(2) Loans secured by real estate .................................................. RCON 3385 1,167,110 6.a.(2)
(3) Loans to finance agricultural production and other loans to farmers ........... RCON 3386 10,854 6.a.(3)
(4) Commercial and industrial loans ............................................... RCON 3387 813,051 6.a.(4)
(5) Loans to individuals for household, family, and other personal expenditures ... RCON 3388 3,018,134 6.a.(5)
b. Total loans in foreign offices, Edge and Agreement subsidiaries, and IBFs ......... RCFN 3360 0 6.b.
7. Trading assets ........................................................................ RCFD 3401 0 7.
8. Lease financing receivables (net of unearned income) .................................. RCFD 3484 986,066 8.
9. Total assets(4) ....................................................................... RCFD 3368 8,489,826 9.
LIABILITIES ///////////////////////
10. Interest-bearing transaction accounts in domestic offices (NOW accounts, ATS accounts, ///////////////////////
and telephone and preauthorized transfer accounts) (exclude demand deposits) .......... RCON 3485 54,373 10.
11. Nontransaction accounts in domestic offices: ///////////////////////
a. Money market deposit accounts (MMDAs) ............................................. RCON 3486 1,310,099 11.a.
b. Other savings deposits ............................................................ RCON 3487 719,218 11.b.
c. Time certificates of deposit of $100,000 or more .................................. RCON 3345 119,200 11.c.
d. All other time deposits ........................................................... RCON 3469 910,048 11.d.
12. Interest-bearing deposits in foreign offices, Edge and Agreement subsidiaries, ///////////////////////
and IBFs .............................................................................. RCFN 3404 773,590 12.
13. Federal funds purchased and securities sold under agreements to repurchase in domestic ///////////////////////
offices of the bank and of its Edge and Agreement subsidiaries, and in IBFs ........... RCFD 3353 1,462,527 13.
14. Other borrowed money .................................................................. RCFD 3355 937,171 14.
-----------------------
- --------------------
(1) For all items, banks have the option of reporting either (1) an average of
daily figures for the quarter, or (2) an average of weekly figures (i.e.,
the Wednesday of each week of the quarter).
(2) Quarterly averages for all debt securities should be based on amortized
cost.
(3) Quarterly averages for all equity securities should be based on historical
costs.
(4) The quarterly average for total assets should reflect all debt securities
(not held for trading) at amortized cost, equity securities with readily
determinable fair values at the lower of cost or fair value, and equity
securities without readily determinable fair values at historical cost.
23
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-14
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 0 6 5 5 9
SCHEDULE RC-L--OFF-BALANCE SHEET ITEMS
Please read carefully the instructions for the preparation of Schedule RC-L. Some of the amounts
reported in Schedule RC-L are regarded as volume indicators and not necessarily as measures of risk.
-------
C460
--------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou
- ---------------------------------------------------------------------------------------------------------------------
1. Unused commitments: //////////////////
a. Revolving, open-end lines secured by 1-4 family residential properties, e.g., home equity //////////////////
lines .................................................................................... 3814 336,979 1.a.
b. Credit card lines ........................................................................ 3815 23,924,602 1.b.
c. Commercial real estate, construction, and land development: //////////////////
(1) Commitments to fund loans secured by real estate ..................................... 3816 102,032 1.c.(1)
(2) Commitments to fund loans not secured by real estate ................................. 6550 17,311 1.c.(2)
d. Securities underwriting .................................................................. 3817 0 1.d.
e. Other unused commitments ................................................................. 3818 2,139,422 1.e.
2. Financial standby letters of credit and foreign office guarantees ........................... 3819 516,195 2.
-------------------- //////////////////
a. Amount of financial standby letters of credit conveyed to others RCFD 3820 171,744 ////////////////// 2.a.
-------------------- //////////////////
3. Performance standby letters of credit and foreign office guarantees ......................... 3821 93,956 3.
-------------------- //////////////////
a. Amount of performance standby letters of credit conveyed to others RCFD 3822 41,342 ////////////////// 3.a.
-------------------- //////////////////
4. Commercial and similar letters of credit .................................................... 3411 47,232 4.
5. Participations in acceptances (as described in the instructions) conveyed to others by the //////////////////
reporting bank .............................................................................. 3428 0 5.
6. Participations in acceptances (as described in the instructions) acquired by the reporting //////////////////
(nonaccepting) bank ......................................................................... 3429 0 6.
7. Securities borrowed ......................................................................... 3432 0 7.
8. Securities lent (including customers' securities lent where the customer is indemnified //////////////////
against loss by the reporting bank) ......................................................... 3433 0 8.
9. Loans transferred (i.e., sold or swapped) with recourse that have been treated as sold for //////////////////
Call Report purposes: //////////////////
a. FNMA and FHLMC residential mortgage loan pools: //////////////////
(1) Outstanding principal balance of mortgages transferred as of the report date ......... 3650 0 9.a.(1)
(2) Amount of recourse exposure of these mortgages as of the report date ................. 3651 0 9.a.(2)
b. Private (nongovernment-issued or -guaranteed) residential mortgage loan pools: //////////////////
(1) Outstanding principal balance of mortgages transferred as of the report date ......... 3652 0 9.b.(1)
(2) Amount of recourse exposure on these mortgages as of the report date ................. 3653 0 9.b.(2)
c. Farmer Mac agricultural mortgage loan pools: //////////////////
(1) Outstanding principal balance of mortgages transferred as of the report date ......... 3654 0 9.c.(1)
(2) Amount of recourse exposure on these mortgages as of the report date ................. 3655 0 9.c.(2)
d. Small business obligations transferred with recourse under Section 208 of the //////////////////
Riegle Community Development and Regulatory Improvement Act of 1994: //////////////////
(1) Outstanding principal balance of small business obligations transferred //////////////////
as of the report date ................................................................ A249 0 9.d.(1)
(2) Amount of retained recourse on these obligations as of the report date ............... A250 0 9.d.(2)
10. When-issued securities: //////////////////
a. Gross commitments to purchase ............................................................ 3434 0 10.a.
b. Gross commitments to sell ................................................................ 3435 0 10.b.
11. Spot foreign exchange contracts ............................................................. 8765 11,569 11.
12. All other off-balance sheet liabilities (exclude off-balance sheet derivatives) (itemize //////////////////
and describe each component of this item over 25% of Schedule RC, item 28, "Total equity //////////////////
capital") ................................................................................... 3430 0 12.
----------- -------------------- //////////////////
a. TEXT 3555 RCFD 3555 ////////////////// 12.a.
----------------------------------------------------------------------- //////////////////
b. TEXT 3556 RCFD 3556 ////////////////// 12.b.
----------------------------------------------------------------------- //////////////////
c. TEXT 3557 RCFD 3557 ////////////////// 12.c.
----------------------------------------------------------------------- //////////////////
d. TEXT 3558 RCFD 3558 ////////////////// 12.d.
---------------------------------------------------------------------------------------------------------------
24
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-15
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 0 6 5 5 9
SCHEDULE RC-L--CONTINUED
--------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou
- ---------------------------------------------------------------------------------------------------------------------
13. All other off-balance sheet assets (exclude off-balance sheet derivatives) (itemize //////////////////
and describe each component of this item over 25% of Schedule RC, item 28, "Total equity //////////////////
capital") ................................................................................... 5591 147,097 13.
----------- -------------------- //////////////////
a. TEXT 5592 RCFD 5592 ////////////////// 13.a.
----------------------------------------------------------------------- //////////////////
b. TEXT 5593 RCFD 5593 ////////////////// 13.b.
----------------------------------------------------------------------- //////////////////
c. TEXT 5594 RCFD 5594 ////////////////// 13.c.
----------------------------------------------------------------------- //////////////////
d. TEXT 5595 RCFD 5595 ////////////////// 13.d.
---------------------------------------------------------------------------------------------------------------
------
C461
----------------------------------------------------------------------------
(Column A) (Column B) (Column C) (Column D)
Dollar Amounts in Thousands Interest Rate Foreign Exchange Equity Derivative Commodity and
- ------------------------------------------- Contracts Contracts Contracts Other Contracts
Off-balance Sheet Derivatives ----------------------------------------------------------------------------
Position Indicators Tril Bil Mil Thou Tril Bil Mil Thou Tril Bil Mil Thou Tril Bil Mil Thou
- -----------------------------------------------------------------------------------------------------------------------
14. Gross amounts (e.g., notional ///////////////// ///////////////// ///////////////// /////////////////
amounts) (for each column, sum of ///////////////// ///////////////// ///////////////// /////////////////
items 14.a through 14.e must equal ///////////////// ///////////////// ///////////////// /////////////////
sum of items 15, 16.a, and 16.b): ///////////////// ///////////////// ///////////////// /////////////////
----------------------------------------------------------------------------
a. Futures contracts.................. 0 0 0 0 14.a.
----------------------------------------------------------------------------
RCFD 8693 RCFD 8694 RCFD 8695 RCFD 8696
----------------------------------------------------------------------------
b. Forward contracts ................. 0 61,416 0 0 14.b.
----------------------------------------------------------------------------
RCFD 8697 RCFD 8698 RCFD 8699 RCFD 8700
----------------------------------------------------------------------------
c. Exchange-traded option contracts: ///////////////// ///////////////// ///////////////// /////////////////
----------------------------------------------------------------------------
(1) Written options ............... 0 0 0 0 14.c.(1)
----------------------------------------------------------------------------
RCFD 8701 RCFD 8702 RCFD 8703 RCFD 8704
----------------------------------------------------------------------------
(2) Purchased options ............. 0 0 0 0 14.c.(2)
----------------------------------------------------------------------------
RCFD 8705 RCFD 8706 RCFD 8707 RCFD 8708
----------------------------------------------------------------------------
d. Over-the-counter option contracts: ///////////////// ///////////////// ///////////////// /////////////////
----------------------------------------------------------------------------
(1) Written options ............... 1,313,625 0 0 0 14.d.(1)
----------------------------------------------------------------------------
RCFD 8709 RCFD 8710 RCFD 8711 RCFD 8712
----------------------------------------------------------------------------
(2) Purchased options ............. 1,539,625 0 0 0 14.d.(2)
----------------------------------------------------------------------------
RCFD 8713 RCFD 8714 RCFD 8715 RCFD 8716
----------------------------------------------------------------------------
e. Swaps ............................. 17,484,349 0 0 0 14.e.
----------------------------------------------------------------------------
RCFD 3450 RCFD 3826 RCFD 8719 RCFD 8720
----------------------------------------------------------------------------
15. Total gross notional amount of ///////////////// ///////////////// ///////////////// /////////////////
derivative contracts held for trading. 0 0 0 0 15.
----------------------------------------------------------------------------
RCFD A126 RCFD A127 RCFD 8723 RCFD 8724
----------------------------------------------------------------------------
16. Total gross notional amount of ///////////////// ///////////////// ///////////////// /////////////////
derivative contracts held for ///////////////// ///////////////// ///////////////// /////////////////
purposes other than trading: ///////////////// ///////////////// ///////////////// /////////////////
----------------------------------------------------------------------------
a. Contracts marked to market ........ 340,455 61,416 0 0 16.a.
----------------------------------------------------------------------------
RCFD 8725 RCFD 8726 RCFD 8727 RCFD 8728
----------------------------------------------------------------------------
b. Contracts not marked to market .... 19,997,144 0 0 0 16.b.
----------------------------------------------------------------------------
RCFD 8729 RCFD 8730 RCFD 8731 RCFD 8732
----------------------------------------------------------------------------
25
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-16
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 0 6 5 5 9
SCHEDULE RC-L--CONTINUED
----------------------------------------------------------------------------
(Column A) (Column B) (Column C) (Column D)
Dollar Amounts in Thousands Interest Rate Foreign Exchange Equity Derivative Commodity and
- ------------------------------------------- Contracts Contracts Contracts Other Contracts
Off-balance Sheet Derivatives ----------------------------------------------------------------------------
Position Indicators RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou
- -----------------------------------------------------------------------------------------------------------------------
17. Gross fair values of ///////////////// ///////////////// ///////////////// /////////////////
derivative contracts: ///////////////// ///////////////// ///////////////// /////////////////
a. Contracts held for trading: ///////////////// ///////////////// ///////////////// /////////////////
(1) Gross positive fair value ..... 8733 0 8734 0 8735 0 8736 0 17.a.(1)
(2) Gross negative fair value ..... 8737 0 8738 0 8739 0 8740 0 17.a.(2)
b. Contracts held for purposes ///////////////// ///////////////// ///////////////// /////////////////
other than trading that are marked ///////////////// ///////////////// ///////////////// /////////////////
to market: ///////////////// ///////////////// ///////////////// /////////////////
(1) Gross positive fair value ..... 8741 1,045 8742 921 8743 0 8744 0 17.b.(1)
(2) Gross negative fair value ..... 8745 995 8746 861 8747 0 8748 0 17.b.(2)
c. Contracts held for purposes other ///////////////// ///////////////// ///////////////// /////////////////
than trading that are not marked ///////////////// ///////////////// ///////////////// /////////////////
to market: ///////////////// ///////////////// ///////////////// /////////////////
(1) Gross positive fair value ..... 8749 53,265 8750 0 8751 0 8752 0 17.c.(1)
(2) Gross negative fair value ..... 8753 66,018 8754 0 8755 0 8756 0 17.c.(2)
----------------------------------------------------------------------------
-------------------
Memoranda Dollar Amounts in Thousands RCFD Bil Mil Thou
- -----------------------------------------------------------------------------------------------------------------------
1.-2. Not applicable /////////////////
3. Unused commitments with an original maturity exceeding one year that are reported in /////////////////
Schedule RC-L, items 1.a through 1.e, above (report only the unused portions of commitments /////////////////
that are fee paid or otherwise legally binding) ................................................ 3833 1,440,912 M.3.
---------------------
a. Participations in commitments with an original maturity /////////////////
exceeding one year conveyed to others ................................... RCFD 3834 189,492 ///////////////// M.3.a.
---------------------
4. To be completed only by banks with $1 billion or more in total assets: /////////////////
Standby letters of credit and foreign office guarantees (both financial and performance) issued /////////////////
to non-U.S. addressees (domicile) included in Schedule RC-L, items 2 and 3, above .............. 3377 732 M.4.
5. Installment loans to individuals for household, family, and other personal expenditures that /////////////////
have been securitized and sold without recourse (with servicing retained), amounts outstanding /////////////////
by type of loan: /////////////////
a. Loans to purchase private passenger automobiles (to be completed for the /////////////////
September report only) ...................................................................... 2741 0 M.5.a.
b. Credit cards and related plans (TO BE COMPLETED QUARTERLY) .................................. 2742 4,499,388 M.5.b.
c. All other consumer installment credit (including mobile home loans) (to be completed for the /////////////////
September report only) ...................................................................... 2743 53,328 M.5.c.
-----------------
26
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK:39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-17
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 06559
SCHEDULE RC-M--MEMORANDA
---------
C465
-------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou
- ----------------------------------------------------------------------------------------------------- ------------------
1. Extensions of credit by the reporting bank to its executive officers, directors, principal //////////////////
shareholders, and their related interests as of the report date: //////////////////
a. Aggregate amount of all extensions of credit to all executive officers, directors, principal //////////////////
shareholders, and their related interests ................................................... 6164 186,422 1.a.
b. Number of executive officers, directors, and principal shareholders to whom //////////////////
the amount of all extensions of credit by the reporting bank (including Number //////////////////
extensions of credit to related interests) equals or exceeds the lesser ------------------ //////////////////
of $500,000 or 5 percent of total capital as defined for this purpose RCFD 6165 14 ////////////////// 1.b.
in agency regulations. ------------------ //////////////////
2. Federal funds sold and securities purchased under agreements to resell with U.S. branches //////////////////
and agencies of foreign banks(1) (included in Schedule RC, items 3.a. and 3.b) .................. 3405 0 2.
3. Not applicable. //////////////////
4. Outstanding principal balance of 1-4 family residential mortgage loans serviced for others //////////////////
(include both retained servicing and purchased servicing): //////////////////
a. Mortgages serviced under a GNMA contract .................................................... 5500 0 4.a.
b. Mortgages serviced under a FHLMC contract: //////////////////
(1) Serviced with recourse to servicer ..................................................... 5501 0 4.b.(1)
(2) Serviced without recourse to servicer .................................................. 5502 0 4.b.(2)
c. Mortgages serviced under a FNMA contract: //////////////////
(1) Serviced under a regular option contract ............................................... 5503 0 4.c.(1)
(2) Serviced under a special option contract ............................................... 5504 0 4.c.(2)
d. Mortgages serviced under other servicing contracts .......................................... 5505 0 4.d.
5. To be completed only by banks with $1 billion or more in total assets: //////////////////
Customers' liability to this bank on acceptances outstanding (sum of items 5.a. and 5.b must //////////////////
equal Schedule RC, item 9): //////////////////
a. U.S. addressees (domicile) .................................................................. 2103 5,171 5.a.
b. Non-U.S. addressees (domicile) .............................................................. 2104 0 5.b.
6. Intangible assets: //////////////////
a. Mortgage servicing rights ................................................................... 3164 0 6.a.
b. Other identifiable intangible assets: //////////////////
(1) Purchased credit card relationships .................................................... 5506 21,314 6.b.(1)
(2) All other identifiable intangible assets ............................................... 5507 2,423 6.b.(2)
c. Goodwill .................................................................................... 3163 11,959 6.c.
d. Total (sum of items 6.a through 6.c) (must equal Schedule RC, item 10) ...................... 2143 35,696 6.d.
e. Amount of intangible assets (included in item 6.b.(2) above) that have been grandfathered or //////////////////
are otherwise qualifying for regulatory capital purposes .................................... 6442 0 6.e.
7. Mandatory convertible debt, net of common or perpetual preferred stock dedicated to //////////////////
redeem the debt ................................................................................. 3295 0
-------------------
_____________________
(1) Do not report federal funds sold and securities purchased under agreements to resell with other
commercial banks in the U.S. in this item.
27
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK:39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-18
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 06559
SCHEDULE RC-M--CONTINUED
------------------
Dollar Amounts in Thousands Bil Mil Thou
- ---------------------------------------------------------------------------------------------------- -----------------
8. a. Other real estate owned: /////////////////
(1) Direct and indirect investments in real estate ventures .............................. RCFD 5372 0 8.a.(1)
(2) All other real estate owned: /////////////////
(a) Construction and land development in domestic offices ........................... RCON 5508 0 8.a.(2)(a)
(b) Farmland in domestic offices .................................................... RCON 5509 0 8.a.(2)(b)
(c) 1-4 family residential properties in domestic offices ........................... RCON 5510 328 8.a.(2)(c)
(d) Multifamily (5 or more) residential properties in domestic offices .............. RCON 5511 0 8.a.(2)(d)
(e) Nonfarm nonresidential properties in domestic offices ........................... RCON 5512 5,580 8.a.(2)(e)
(f) In foreign offices .............................................................. RCFN 5513 0 8.a.(2)(f)
(3) Total (sum of items 8.a.(1) and 8.a.(2)) (must equal Schedule RC, item 7) ............ RCFD 2150 5,908 8.a.(3)
b. Investments in unconsolidated subsidiaries and associated companies: /////////////////
(1) Direct and indirect investments in real estate ventures .............................. RCFD 5374 0 8.b.(1)
(2) All other investments in unconsolidated subsidiaries and associated companies ........ RCFD 5375 857 8.b.(2)
(3) Total (sum of items 8.b.(1) and 8.b.(2)) (must equal Schedule RC, item 8) ............ RCFD 2130 857 8.b.(3)
c. Total assets of unconsolidated subsidiaries and associated companies ...................... RCFD 5376 19,071 8.c.
9. Noncumulative perpetual preferred stock and related surplus included in Schedule RC, ////////////////
item 23, "Perpetual preferred stock and related surplus" ...................................... RCFD 3778 0 9.
10. Mutual fund and annuity sales in domestic offices during the quarter (include /////////////////
proprietary, private label, and third party products): /////////////////
a. Money market funds ........................................................................ RCON 6441 13,867 10.a.
b. Equity securities funds ................................................................... RCON 8427 19,956 10.b.
c. Debt securities funds ..................................................................... RCON 8428 8,088 10.c.
d. Other mutual funds ........................................................................ RCON 8429 0 10.d.
e. Annuities ................................................................................. RCON 8430 10,510 10.e.
f. Sales of proprietary mutual funds and annuities (included in items 10.a through /////////////////
10.e above) ............................................................................... RCON 8784 35,131 10.f.
------------------
====================================================================================================================================
-------------------
Memorandum Dollar Amounts in Thousands RCFD Bil Mil Thou
- ---------------------------------------------------------------------------------------------------- ------------------
1. Interbank holdings of capital instruments (to be completed for the December report only): //////////////////
a. Reciprocal holdings of banking organizations' capital instruments ......................... 3836 N/A M.1.a.
b. Nonreciprocal holdings of banking organizations' capital instruments ...................... 3837 N/A M.1.b.
====================================================================================================================================
28
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-19
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 06559
SCHEDULE RC-N--PAST DUE AND NONACCRUAL LOANS, LEASES, AND OTHER ASSETS
The FFIEC regards the information reported in
all of Memorandum item 1, in items 1 through 10,
column A, and in Memorandum items 2 through 4,
column A, as confidential.
---------
C470
---------------------------------------------------------
(Column A) (Column B) (Column C)
Past due Past due 90 Nonaccrual
30 through 89 days or more
days and still and still
accruing accruing
---------------------------------------------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou
- ---------------------------------------------------------------------------------------------------------------------
1. Loans secured by real estate: ///////////////// ///////////////// /////////////////
a. To U.S. addressees (domicile).................... 1245 1246 4,386 1247 10,590 1.a.
b. To non-U.S. addressees (domicile)................ 1248 1249 0 1250 0 1.b.
2. Loans to depository institutions and acceptances of ///////////////// ///////////////// /////////////////
other banks: ///////////////// ///////////////// /////////////////
a. To U.S. banks and other U.S. depository ///////////////// ///////////////// /////////////////
institutions..................................... 5377 5378 5379 0 2.a.
b. To foreign banks................................. 5380 5381 5382 0 2.b.
3. Loans to finance agricultural production and other ///////////////// ///////////////// /////////////////
loans to farmers..................................... 1594 1597 1583 42 3.
4. Commerical and industrial loans: ///////////////// ///////////////// /////////////////
a. To U.S. addressees (domicile).................... 1251 1252 7,234 1253 4,946 4.a.
b. To non-U.S. addressees (domicile)................ 1254 1255 0 1256 0 4.b.
5. Loans to individuals for household, family, and ///////////////// ///////////////// /////////////////
other personal expenditures: ///////////////// ///////////////// /////////////////
a. Credit cards and related plans................... 5383 5384 5385 15 5.a.
b. Other (includes single payment, installment, and ///////////////// ///////////////// /////////////////
all student loans)............................... 5386 5387 8,632 5388 3,848 5.b.
6. Loans to foreign governments and official ///////////////// ///////////////// /////////////////
institutions......................................... 5389 5390 0 5391 0 6.
7. All other loans...................................... 5459 5460 1,649 5461 71 7.
8. Lease financing receivables: ///////////////// ///////////////// /////////////////
a. Of U.S. addressees (domicile).................... 1257 1258 1259 3,173 8.a.
b. Of non-U.S. addressees (domicile)................ 1271 1272 1791 0 8.b.
9. Debt securities and other assets (exclude other real ///////////////// ///////////////// /////////////////
estate owned and other repossessed assets)........... 3505 3506 0 3507 0 9.
---------------------------------------------------------
==================================================================================================================================
Amounts reported in items 1 through 8 above include guaranteed and unguaranteed portions of past due and nonaccrual loans and
leases. Report in item 10 below certain guaranteed loans and leases that have already been included in the amounts reported in
items 1 through 8.
---------------------------------------------------------
10. Loans and leases reported in items 1 RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou
through 8 above which are wholly or partially ---------------------------------------------------------
guaranteed by the U.S. Government..................... 5612 5613 4,811 5614 173 10.
a. Guaranteed portion of loans and leases included ///////////////// ///////////////// /////////////////
in item 10 above.................................. 5615 5616 4,811 5617 144 10.a.
---------------------------------------------------------
29
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-20
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 06559
SCHEDULE RC-N--CONTINUED
---------
C473
---------------------------------------------------------
(Column A) (Column B) (Column C)
Past due Past due 90 Nonaccrual
30 through 89 days or more
days and still and still
accruing accruing
---------------------------------------------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou
- ---------------------------------------------------------------------------------------------------------------------
1. Restructured loans and leases included in Schedule ///////////////// ///////////////// /////////////////
RC-N, items 1 through 8, above (and not reported in ///////////////// ///////////////// /////////////////
Schedule RC-C, part I, Memorandum item 2)............ 1658 1659 1661 M.1.
2. Loans to finance commercial real estate, ///////////////// ///////////////// /////////////////
construction, and land development activities (not ///////////////// ///////////////// /////////////////
secured by real estate) included in Schedule RC-N, ///////////////// ///////////////// /////////////////
items 4 and 7, above................................. 6558 6559 250 6560 0 M.2.
----------------- ----------------- -----------------
3. Loans secured by real estate in domestic offices RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou
(included in Schedule RC-N, item 1, above): ----------------- ----------------- -----------------
a. Construction and land development................ 2759 2769 413 3492 2,147 M.3.a.
b. Secured by farmland.............................. 3493 3494 0 3495 0 M.3.b.
c. Secured by 1-4 family residential properties: ///////////////// ///////////////// /////////////////
(1) Revolving, open-end loans secured by 1-4 ///////////////// ///////////////// /////////////////
family residential properties and extended ///////////////// ///////////////// /////////////////
under lines of credit....................... 5398 5399 937 5400 0 M.3.c.(1)
(2) All other loans secured by 1-4 family ///////////////// ///////////////// /////////////////
residential properties...................... 5401 5402 990 5403 2,874 M.3.c.(2)
d. Secured by multifamily (5 or more) residential ///////////////// ///////////////// /////////////////
properties....................................... 3499 3500 222 3501 0 M.3.d.
e. Secured by nonfarm nonresidential properties..... 3502 2503 0 3504 0 M.3.e.
---------------------------------------------------------
-------------------------------------
(Column A) (Column B)
Past due 30 Past due 90
through 89 days days or more
-------------------------------------
RCFD Bil Mil Thou RCFD Bil Mil Thou
-------------------------------------
4. Interest rate, foreign exchange rate, and other ///////////////// /////////////////
commodity and equity contracts: ///////////////// /////////////////
a. Book value of amounts carried as assets.......... 3522 3528 0 M.4.a.
b. Replacement cost of contracts with a positive ///////////////// /////////////////
replacement cost................................. 3529 3530 0 M.4.b.
-------------------------------------
30
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK:39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-21
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 06559
SCHEDULE RC-O--OTHER DATA FOR DEPOSIT INSURANCE ASSESSMENTS
---------
C475
-------------------
Dollar Amounts in Thousands RCON Bil Mil Thou
- ----------------------------------------------------------------------------------------------------- ------------------
1. Unposted debits (see instructions): //////////////////
a. Actual amount of all unposted debits ....................................................... 0030 0 1.a.
OR //////////////////
b. Separate amount of unposted debits: //////////////////
(1) Actual amount of unposted debits to demand deposits ................................... 0031 0 1.b.(1)
(2) Actual amount of unposted debits to time and savings deposits(1) ...................... 0032 0 1.b.(2)
2. Unposted credits (see instructions): //////////////////
a. Actual amount of all unposted credits ...................................................... 3510 N/A 2.a.
OR //////////////////
b. Separate amount of unposted credits: //////////////////
(1) Actual amount of unposted credits to demand deposits .................................. 3512 0 2.b.(1)
(2) Actual amount of unposted credits to time and savings deposits(1) ..................... 3514 0 2.b.(2)
3. Uninvested trust funds (cash) held in bank's own trust department (not included in total //////////////////
deposits in domestic offices) .................................................................. 3520 0 3.
4. Deposits of consolidated subsidiaries in domestic offices and in insured branches in Puerto //////////////////
Rico and U.S. territories and possessions (not included in total deposits): //////////////////
a. Demand deposits of consolidated subsidiaries ............................................... 2211 5,948 4.a.
b. Time and savings deposits(1) of consolidated subsidiaries .................................. 2351 10,762 4.b.
c. Interest accrued and unpaid on deposits of consolidated subsidiaries ....................... 5514 0 4.c.
5. Deposits in insured branches in Puerto Rico and U.S. territories and possessions: //////////////////
a. Demand deposits in insured branches (included in Schedule RC-E, Part II) ................... 2229 0 5.a.
b. Time and savings deposits(1) in insured branches (included in Schedule RC-E, Part II) ...... 2383 0 5.b.
c. Interest accrued and unpaid on deposits in insured branches //////////////////
(included in Schedule RC-G, item 1.b) ...................................................... 5515 0 5.c.
-------------------
-------------------
Item 6 is not applicable to state nonmember banks that have not been authorized by the //////////////////
Federal Reserve to act as pass-through correspondents. //////////////////
6. Reserve balances actually passed through to the Federal Reserve by the reporting bank on //////////////////
behalf of its respondent depository institutions that are also reflected as deposit liabilities //////////////////
of the reporting bank: //////////////////
a. Amount reflected in demand deposits (included in Schedule RC-E, Part I, item 4 or 5, //////////////////
column B) .................................................................................. 2314 0 6.a.
b. Amount reflected in time and savings deposits(1) (included in Schedule RC-E, Part I, //////////////////
item 4 or 5, column A or C, but not column B) .............................................. 2315 0 6.b.
7. Unamortized premiums and discounts on time and savings deposits:(1) //////////////////
a. Unamortized premiums ....................................................................... 5516 0 7.a.
b. Unamortized discounts ...................................................................... 5517 0 7.b.
-------------------
====================================================================================================================================
8. TO BE COMPLETED BY BANKS WITH "OAKAR DEPOSITS." -------------------
Total "Adjusted Attributable Deposits" of all institutions acquired under Section 5(d)(3) of //////////////////
the Federal Deposit Insurance Act (from most recent FDIC Oakar Transaction Worksheet(s)) ....... 5518 N/A 8.
-------------------
====================================================================================================================================
-------------------
9. Deposits in lifeline accounts .................................................................. 5596 //////////// 9.
10. Benefit-responsive "Depository Institution Investment Contracts" (included in total //////////////////
deposits in domestic offices) .................................................................. 8432 0 10.
-------------------
_____________________
(1) For FDIC insurance assessment purposes, "time and savings deposits" consists of nontransaction accounts
and all transaction accounts other than demand deposits.
31
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK:39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-22
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 06559
SCHEDULE RC-O--CONTINUED
-------------------
Dollar Amounts in Thousands RCON Bil Mil Thou
- ----------------------------------------------------------------------------------------------------- ------------------
11. Adjustments to demand deposits in domestic offices reported in Schedule RC-E for //////////////////
certain reciprocal demand balances: //////////////////
a. Amount by which demand deposits would be reduced if reciprocal demand balances //////////////////
between the reporting bank and savings associations were reported on a net basis //////////////////
rather than a gross basis in Schedule RC-E ................................................. 8785 0 11.a.
b. Amount by which demand deposits would be increased if reciprocal demand balances //////////////////
between the reporting bank and U.S. branches and agencies of foreign banks were //////////////////
reported on a gross basis rather than a net basis in Schedule RC-E ......................... A181 0 11.b.
c. Amount by which demand deposits would be reduced if cash items in process of //////////////////
collection were included in the calculation of net reciprocal demand balances between //////////////////
the reporting bank and the domestic offices of U.S. banks and savings associations //////////////////
in Schedule RC-E ........................................................................... A182 0 11.c.
-------------------
Memoranda (to be completed each quarter except as noted) -------------------
Dollar Amounts in Thousands RCON Bil Mil Thou
- ----------------------------------------------------------------------------------------------------- ------------------
1. Total deposits in domestic offices of the bank (sum of Memorandum items 1.a.(1) and //////////////////
1.b.(1) must equal Schedule RC, item 13.a): //////////////////
a. Deposit accounts of $100,000 or less: //////////////////
(1) Amount of deposit accounts of $100,000 or less......................................... 2702 2,445,043 M.1.a.(1)
Number //////////////////
(2) Number of deposit accounts of $100,000 or less (to be ----------------------- //////////////////
completed for the June report only) ........................... RCON 3779 N/A ////////////////// M.1.a.(2)
b. Deposit accounts of more than $100,000: ----------------------- //////////////////
(1) Amount of deposit accounts of more than $100,000 ...................................... 2710 2,217,004 M.1.b.(1)
Number //////////////////
----------------------- //////////////////
(2) Number of deposit accounts of more than $100,000 ............. RCON 2722 3,943 ////////////////// M.1.b.(2)
-------------------------------------------
2. Estimated amount of uninsured deposits in domestic offices of the bank:
a. An estimate of your bank's uninsured deposits can be determined by multiplying the
number of deposit accounts of more than $100,000 reported in Memorandum item 1.b.(2)
above by $100,000 and subtracting the result from the amount of deposit accounts of
more than $100,000 reported in Memorandum item 1.b.(1) above.
Indicate in the appropriate box at the right whether your bank has a method or YES NO
procedure for determining a better estimate of uninsured deposits than the -------------------
estimate described above ................................................................... 6861 /// X M.2.a.
-------------------
RCON Bil Mil Thou
b. If the box marked YES has been checked, report the estimate of uninsured deposits -------------------
determined by using your bank's method or procedure ........................................ 5597 N/A M.2.b.
-------------------
- ------------------------------------------------------------------------------------------------------------------------------------
Person to whom questions about the Reports of Condition and Income should be directed: C477
------
JOHN J. DIBLE, SR. REGULATORY ANALYST (614) 248-8592
- ------------------------------------------------------------------------------------- --------------------------------------------
Name and Title (TEXT 8901) Area code/phone number/extension (TEXT 8902)
32
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-23
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 06559
SCHEDULE RC-R--REGULATORY CAPITAL
This schedule must be completed by all banks as follows: Banks that reported total assets of $1 billion or more in Schedule RC,
item 12, for June 30, 1996, must complete items 2 through 9 and Memoranda items 1 and 2. Banks with assets of less than $1
billion must complete items 1 through 3 below or Schedule RC-R in its entirety, depending on their response to item 1 below.
---------------
C480
1. Test for determining the extent to which Schedule RC-R must be completed. To be ---------------
completed only by banks with total assets of less than $1 billion. Indicate in the YES NO
appropriate box at the right whether the bank has total capital greater than or -----------------------------
equal to eight percent of adjusted total assets......................................... RCFD 6056 /////// 1.
-----------------------------
For purposes of this test, adjusted total assets equals total assets less cash, U.S. Treasuries, U.S. Government agency
obligations, and 80 percent of U.S. Government-sponsored agency obligations plus the allowance for loan and lease losses and
selected off-balance sheet items as reported on Schedule RC-L (see instructions).
If the box marked YES has been checked, then the bank only has to complete items 2 and 3 below. If the box marked NO has
been checked, the bank must complete the remainder of this schedule.
A NO response to item 1 does not necessarily mean that the bank's actual risk-based capital ratio is less than eight
percent or that the bank is not in compliance with the risk-based capital guidelines.
- ----------------------------------------------------------------
NOTE: All banks are required to complete items 2 and 3 below.
See optional worksheet for items 3.a through 3.f.
- ---------------------------------------------------------------- ---------------------------------------------------
(Column A) (Column B)
Subordinated Debt(1) Other
Dollar Amounts in Thousands and Intermediate Limited-Life
- -------------------------------------------------------------------- Term Preferred Stock Capital Instruments
2. Subordinated debt(1) and other limited-life capital instruments ----------------------- -----------------------
(original weighted average maturity of at least five years) RCFD Bil Mil Thou RCFD Bil Mil Thou
with a remaining maturity of: ----------------------- -----------------------
a. One year or less........................................... 3780 0 3786 0 2.a.
b. Over one year through two years............................ 3781 0 3787 0 2.b.
c. Over two years through three years......................... 3782 0 3788 0 2.c.
d. Over three years through four years........................ 3783 0 3789 0 2.d.
e. Over four years through five years......................... 3784 0 3790 0 2.e.
f. Over five years............................................ 3785 189,305 3791 0 2.f.
---------------------------------------------------
///////////////////////
3. Amounts used in calculating regulatory capital ratios (report -----------------------
amounts determined by the bank for its own internal regulatory RCFD Bil Mil Thou
capital analyses consistent with applicable capital standards): -----------------------
a. Tier 1 capital......................................................................... 8274 582,952 3.a.
b. Tier 2 capital......................................................................... 8275 299,932 3.b.
c. Total risk-based capital............................................................... 3792 882,884 3.c.
d. Excess allowance for loan and lease losses............................................. A222 89,810 3.d.
e. Risk-weighted assets (net of all deductions, including excess allowance)............... A223 8,760,370 3.e.
f. "Average total assets" (net of all assets deducted from Tier 1 capital)(2)............. A224 8,475,443 3.f.
-----------------------
---------------------------------------------------
(Column A) (Column B)
Items 4-9 and Memoranda items 1 and 2 are to be completed by banks Assets Recorded Credit Equivalent
that answered NO to item 1 above and by banks with total assets of on the Amount of Off-Balance
$1 billion or more. Balance Sheet Sheet Items(3)
----------------------- -----------------------
4. Assets and credit equivalent amounts of off-balance sheet items RCFD Bil Mil Thou RCFD Bil Mil Thou
assigned to the Zero percent risk category: ----------------------- -----------------------
a. Assets recorded on the balance sheet: /////////////////////// ///////////////////////
(1) Securities issued by, other claims on, and claims /////////////////////// ///////////////////////
unconditionally guaranteed by, the U.S. Government /////////////////////// ///////////////////////
and its agencies and other OECD central governments... 3794 126,925 /////////////////////// 4.a.(1)
(2) All other............................................. 3795 67,946 /////////////////////// 4.a.(2)
b. Credit equivalent amount of off-balance sheet items........ /////////////////////// 3796 45,409 4.b.
---------------------------------------------------
- ------------
(1) Exclude mandatory convertible debt reported in Schedule RC-M, item 7.
(2) Do not deduct excess allowance for loan and lease losses.
(3) Do not report in column B the risk-weighted amount of assets reported in column A.
33
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-24
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 06559
SCHEDULE RC-R--CONTINUED
---------------------------------------------------
(Column A) (Column B)
Assets Recorded Credit Equivalent
on the Amount of Off-Balance
Balance Sheet Sheet Items(1)
----------------------- -----------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou RCFD Bil Mil Thou
- ------------------------------------------------------------------- ----------------------- -----------------------
5. Assets and credit equivalent amounts of off-balance sheet items /////////////////////// ///////////////////////
assigned to the 20 percent risk category: /////////////////////// ///////////////////////
a. Assets recorded on the balance sheet: /////////////////////// ///////////////////////
(1) Claims conditionally guaranteed by the U.S. Government /////////////////////// ///////////////////////
and its agencies and other OECD central governments... 3798 162,244 /////////////////////// 5.a.(1)
(2) Claims collateralized by securities issued by the U.S. /////////////////////// ///////////////////////
Government and its agencies and other OECD central /////////////////////// ///////////////////////
governments; by securities issued by U.S. Government- /////////////////////// ///////////////////////
sponsored agencies; and by cash on deposit............ 3799 0 /////////////////////// 5.a.(2)
(3) All other............................................. 3800 1,357,473 /////////////////////// 5.a.(3)
b. Credit equivalent amount of off-balance sheet items........ /////////////////////// 3801 384,478 5.b.
6. Assets and credit equivalent amounts of off-balance sheet items /////////////////////// ///////////////////////
assigned to the 50 percent risk category: /////////////////////// ///////////////////////
a. Assets recorded on the balance sheet....................... 3802 376,171 /////////////////////// 6.a.
b. Credit equivalent amount of off-balance sheet items........ /////////////////////// 3803 80,083 6.b.
7. Assets and credit equivalent amounts of off-balance sheet items /////////////////////// ///////////////////////
assigned to the 100 percent risk category: /////////////////////// ///////////////////////
a. Assets recorded on the balance sheet....................... 3804 7,377,796 /////////////////////// 7.a.
b. Credit equivalent amount of off-balance sheet items........ /////////////////////// 3805 877,800 7.b.
8. On-balance sheet asset values excluded from the calculation /////////////////////// ///////////////////////
of the risk-based capital ratio(2)............................. 3806 (2,056) /////////////////////// 8.
9. Total assets recorded on the balance sheet (sum of items 4.a, /////////////////////// ///////////////////////
5.a, 6.a, 7.a, and 8, column A) (must equal Schedule RC, /////////////////////// ///////////////////////
item 12 plus items 4.b and 4.c)................................ 3807 9,466,499 /////////////////////// 9.
----------------------- -----------------------
Memoranda
Dollar Amounts in Thousands RCFD Bil Mil Thou
- ----------------------------------------------------------------------------------------------- -----------------------
1. Current credit exposure across all off-balance sheet derivative contracts covered by the ///////////////////////
risk-based capital standards............................................................... 8764 55,171 M.1.
-----------------------
----------------------------------------------------------------------
With a remaining maturity of
----------------------------------------------------------------------
(Column A) (Column B) (Column C)
One year or less Over one year Over five years
through five years
----------------------------------------------------------------------
2. Notional principal amounts of off-balance RCFD Tril Bil Mil Thou RCFD Tril Bil Mil Thou RCFD Tril Bil Mil Thou
sheet derivative contracts(3): ----------------------------------------------------------------------
a. Interest rate contracts................. 3809 7,683,709 8766 6,092,617 8767 563,194 M.2.a.
b. Foreign exchange contracts.............. 3812 61,220 8769 0 8770 0 M.2.b.
c. Gold contracts.......................... 8771 0 8772 0 8773 0 M.2.c.
d. Other precious metals contracts......... 8774 0 8775 0 8776 0 M.2.d.
e. Other commodity contracts............... 8777 0 8778 0 8779 0 M.2.e.
f. Equity derivative contracts............. A000 0 A001 0 A002 0 M.2.f.
----------------------------------------------------------------------
- -----------
(1) Do not report in column B the risk-weighted amount of assets reported in column A.
(2) Include the difference between the fair value and the amortized cost of available-for-sale securities in item 8 and report
the amortized cost of these securities in items 4 through 7 above. Item 8 also includes on-balance sheet asset values (or
portions thereof) of off-balance sheet interest rate, foreign exchange rate, and commodity contracts and those contracts
(e.g., futures contracts) not subject to risk-based capital. Exclude from item 8 margin accounts and accrued receivables not
included in the calculation of credit equivalent amounts of off-balance sheet derivatives as well as any portion of the
allowance for loan and lease losses in excess of the amount that may be included in Tier 2 capital.
(3) Exclude foreign exchange contracts with an original maturity of 14 days or less and all futures contracts.
34
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-25
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 0 6 5 5 9
OPTIONAL NARRATIVE STATEMENT CONCERNING THE AMOUNTS
REPORTED IN THE REPORTS OF CONDITION AND INCOME
at close of business on September 30, 1996
BANK ONE, COLUMBUS, NA COLUMBUS , OHIO
- --------------------------------- -------------- ---------------
Legal Title of Bank City State
The management of the reporting bank may, if it wishes, submit a brief
narrative statement on the amounts reported in the Reports of Condition and
Income. This optional statement will be made available to the public, along
with the publicly available data in the Reports of Condition and Income, in
response to any request for individual bank report data. However, the
information reported in column A and in all of Memorandum item 1 of Schedule
RC-N is regarded as confidential and will not be released to the public. BANKS
CHOOSING TO SUBMIT THE NARRATIVE STATEMENT SHOULD ENSURE THAT THE STATEMENT
DOES NOT CONTAIN THE NAMES OR OTHER IDENTIFICATIONS OF INDIVIDUAL BANK
CUSTOMERS, REFERENCES TO THE AMOUNTS REPORTED IN THE CONFIDENTIAL ITEMS IN
SCHEDULE RC-N, OR ANY OTHER INFORMATION THAT THEY ARE NOT WILLING TO HAVE
MADE PUBLIC OR THAT WOULD COMPROMISE THE PRIVACY OF THEIR CUSTOMERS. Banks
choosing not to make a statement may check the "No comment" box below and
should make no entries of any kind in the space provided for the narrative
statement; i.e., DO NOT enter in this space such phrases as "No statement,"
"Not applicable," "N/A," "No comment," and "None."
The optional statement must be entered on this sheet. The statement should
not exceed 100 words. Further, regardless of the number of words, the
statement must not exceed 750 characters, including punctuation, indentation,
and standard spacing between words and sentences. If any submission should
exceed 750 characters, as defined, it will be truncated at 750 characters
with no notice to the submitting bank and the truncated statement will appear
as the bank's statement both on agency computerized records and in
computer-file releases to the public.
All information furnished by the bank in the narrative statement must be
accurate and not misleading. Appropriate efforts shall be taken by the
submitting bank to ensure the statement's accuracy. The statement must be
signed, in the space provided below, by a senior officer of the bank who
thereby attests to its accuracy.
If, subsequent to the original submission, material changes are submitted for
the data reported in the Reports of Condition and Income, the existing
narrative statement will be deleted from the files, and from disclosure; the
bank, at its option, may replace it with a statement, under signature,
appropriate to the amended data.
The optional narrative statement will appear in agency records and in release
to the public exactly as submitted (or amended as described in the preceding
paragraph) by the management of the bank (except for the truncation of
statements exceeding the 750-character limit described above). THE STATEMENT
WILL NOT BE EDITED OR SCREENED IN ANY WAY BY THE SUPERVISORY AGENCIES FOR
ACCURACY OR RELEVANCE. DISCLOSURE OF THE STATEMENT SHALL NOT SIGNIFY THAT ANY
FEDERAL SUPERVISORY AGENCY HAS VERIFIED OR CONFIRMED THE ACCURACY OF THE
INFORMATION CONTAINED THEREIN. A STATEMENT TO THIS EFFECT WILL APPEAR ON ANY
PUBLIC RELEASE OF THE OPTIONAL STATEMENT SUBMITTED BY THE MANAGEMENT OF THE
REPORTING BANK.
- -------------------------------------------------------------------------------
No comment / / (RCON 6979) c471 c472
BANK MANAGEMENT STATEMENT (please type or print clearly):
(TEXT 6980)
For regulatory purposes, the Bank defers the recognition of certain excess
income relating to securitized loan sales until cash is received. The effect
of this accounting method has decreased net income for the current year
$48,154,000 and decreased retained earnings on a cumulative basis
$157,052,000.
ILLEGIBLE
-------------------------------------- -----------------
Signature of Executive Officer of Bank Date of Signature
35
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 9/30/96 ST-BK: 39-1580
Address: 100 East Broad Street
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: 0 6 5 5 9
THIS PAGE IS TO BE COMPLETED BY ALL BANKS
- -------------------------------------------------------------------------------------------------------------
CALL NO. 197 31 09-30-96 OMB No. For OCC: 1557-0081
STBK: 39-1580 00088 STCERT: 39-06559 OMB No. For FDIC: 3064-0052
BANK ONE, COLUMBUS, NATIONAL ASSOCIA OMB No. For Federal Reserve: 7100-0036
100 EAST BROAD STREET Expiration Date: 3/31/99
COLUMBUS, OH 43271
SPECIAL REPORT
(Dollar Amounts in Thousands)
----------------------------------------------------
CLOSE OF BUSINESS FDIC Certificate Number
DATE C-700
9/30/96 0 6 5 5 9
- -------------------------------------------------------------------------------------------------------------
LOANS TO EXECUTIVE OFFICERS (Complete as of each Call Report Date)
- -------------------------------------------------------------------------------------------------------------
The following information is required by Public Laws 90-44 and 102-242, but does not constitute a part of
the Report of Condition. With each Report of Condition, these Laws require all banks to furnish a report of
all loans or other extensions of credit to their executive officers made since the date of the previous
Report of Condition. Data regarding individual loans or other extensions of credit are not required. If no
such loans or other extensions of credit were made during the period, insert "none" against subitem (a).
(Exclude the first $15,000 of indebtedness of each executive officer under bank credit card plan.) See
Sections 215.2 and 215.3 of Title 12 of the Code of Federal Regulations (Federal Reserve Board Regulation
0) for the definitions of "executive officer" and "extension of credit," respectively. Exclude loans and
other extensions of credit to directors and principal shareholders who are not executive officers.
- -------------------------------------------------------------------------------------------------------------
----------------
a. Number of loans made to executive officers since the previous Call Report date ...... RCFD 3561 2 a.
----------------
b. Total dollar amount of above loans (in thousands of dollars) ........................ RCFD 3562 150 b.
----------------
c. Range of interest charged on above loans --------------------------------------
(example: 9 3/4% = 9.75) ...................................... RCFD 7701 8.75 % to RCFD 7702 9.25 % c.
--------------------------------------
- -------------------------------------------------------------------------------------------------------------
SIGNATURE AND TITLE OF OFFICER AUTHORIZED TO SIGN REPORT DATE (Month, Day, Year)
- -------------------------------------------------------------------------------------------------------------
NAME AND TITLE OF PERSON TO WHOM INQUIRIES MAY BE DIRECTED (TEXT 8903) AREA CODE/PHONE NUMBER/EXTENSION
(TEXT 8904)
JOHN J. DIBLE, SR. REGULATORY ANALYST (614) 248-8592
- -------------------------------------------------------------------------------------------------------------
FDIC 8040/53 (6-95)
36