Exhibit 25.1
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
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FORM T - 1
STATEMENT OF ELIGIBILITY
UNDER THE TRUST INDENTURE ACT OF 1939 OF A
CORPORATION DESIGNATED TO ACT AS TRUSTEE
Check if an application to determine eligibility of a
Trustee pursuant to Section 305(b)(2)_____
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NORWEST BANK COLORADO, N.A.
(Exact name of trustee as specified in its charter)
NOT APPLICABLE 84-0187632
(Jurisdiction of incorporation or ----------------------
Organization if not a U.S. national (I.R.S. Employer
bank) Identification No.)
1740 BROADWAY
DENVER, COLORADO 80274-8693
(Address of principal executive office) (Zip Code)
NORWEST BANK COLORADO, N.A.
ATTN: CORPORATE TRUST DEPARTMENT
1740 BROADWAY
DENVER, CO 80274-8693
303-863-6247
(Name, address and telephone number of agent for service)
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NORDSTROM CREDIT, INC.
(Exact name of obligor as specified in its charter)
COLORADO 91-1181301
(State or other jurisdiction of (I.R.S. Employer
incorporation or organization) Identification
No.)
13531 EAST CALEY AVENUE
ENGLEWOOD, CO 80211
(Address of principal executive office) (Zip Code)
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ITEM 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.
NAME ADDRESS
---- -------
Comptroller of the Currency Washington, D.C.
Federal Reserve Bank of Denver Denver, Colorado
Federal Deposit Insurance Corporation Dallas, Texas
National Bank Examiners - Western District Denver, Colorado
(b) Whether it is authorized to exercise corporate trust powers.
Yes.
ITEM 2. AFFILIATIONS WITH OBLIGOR.
If the Obligor is an affiliate of the trustee, describe such
affiliation.
None.
ITEM 3. VOTING SECURITIES OF THE TRUSTEE.
(a) Furnish the following information as to each class of voting
securities of the trustee.
As of April 22, 1997
----------------
(within 31 days)
COL. A COL. B
------ ------
TITLE OF CLASS AMOUNT OUTSTANDING
-------------- ------------------
Not Applicable
ITEM 4. TRUSTEESHIPS UNDER OTHER INDENTURES.
If the trustee is a trustee under another indenture under which any
other securities, or certificates of interest or participation in any
other securities, of the obligor are outstanding, furnish the
following information:
(a) Title of the securities outstanding under each such other
indenture.
NORDSTROM CREDIT, INC. MEDIUM TERM NOTES, SERIES A
NORDSTROM CREDIT, INC. MEDIUM TERM NOTES, SERIES B
NORDSTROM CREDIT, INC. MEDIUM TERM NOTES, SERIES C
NORDSTROM CREDIT, INC. MEDIUM TERM NOTES, SERIES D
NORDSTROM CREDIT, INC. 6.70% NOTES, DUE JULY 1, 2005
(b) A brief statement of the facts relied upon as a basis for the
claim that no conflicting interest within the meaning of Section
310(b)(1) of the Act arises as a result of the trusteeship under
any such other indentures, including a statement as to how the
indenture securities will rank as compared with the securities
under such other indentures.
Not applicable, none of the bond issues are in default.
ITEM 5. INTERLOCKING DIRECTORATES AND SIMILAR RELATIONSHIPS WITH THE OBLIGOR
OR UNDERWRITERS.
If the trustee or any of the directors or executive officers of the
trustee is a director, officer, partner, employee, appointee, or
representative of the obligor or of any underwriter for the obligor,
identify each such person having any such connection and state the
nature of each such connection.
Not applicable.
ITEM 6. VOTING SECURITIES OF THE TRUSTEE OWNED BY THE OBLIGOR OR ITS
OFFICIALS.
Furnish the following information as to the voting securities of the
trustee owned beneficially by the obligor and each director, partner
and executive officer of the obligor:
As of April 22, 1997
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(within 31 days)
COL. A COL. B COL. C COL. D
- ------------------ --------------- -------------- ----------------------
Percentage of Voting
Securities Represented
Amount Owned by Amount Given
Name Of Owner Title Of Class Beneficially In Col. C
- ------------------ --------------- -------------- ----------------------
None
ITEM 7. VOTING SECURITIES OF THE TRUSTEE OWNED BY THE UNDERWRITERS OR THEIR
OFFICIALS.
Furnish the following information as to the voting securities of the
trustee owned beneficially by each underwriter for the obligor and
each director, partner, and executive officer of each such
underwriter:
As of April 22, 1997
-------------------
(within 31 days)
COL. A COL. B COL. C COL. D
- ------------------ --------------- -------------- ----------------------
Percentage of Voting
Securities Represented
Amount Owned by Amount Given
Name Of Owner Title Of Class Beneficially In Col. C
- ------------------ --------------- -------------- ----------------------
None
ITEM 8. SECURITIES OF THE OBLIGOR OWNED OR HELD BY THE TRUSTEE.
Furnish the following information as to securities of the obligor
owned beneficially or held as collateral security for obligations in
default by the trustee:
As of April 22, 1997
-------------------
(within 31 days)
COL. A COL. B COL. C COL. D
- --------------- ---------------- ---------------------- -------------------
Whether the Amount Owned Percentage of
Securities are Beneficially or Class
Voting or Held as Collateral Represented by
Title of Nonvoting Security for Amount Given
Class Securities Obligations in Default in Col. C
- --------------- ---------------- ---------------------- -------------------
None.
ITEM 9. SECURITIES OF UNDERWRITERS OWNED OR HELD BY THE TRUSTEE.
If the trustee owns beneficially or holds as collateral security for
obligations in default any securities of an underwriter for the
obligor, furnish the following information as to each class of
securities of such underwriter, any of which are so owned or held by
the trustee:
As of April 22, 1997
-------------------
(within 31 days)
COL. A COL. B COL. C COL. D
- ------------- ------------- ---------------------- -------------------
Amount Owned
Name of Beneficially or Held Percentage of Class
Issuer and as Collateral Security Securities Represented
Title of Amount for Obligations in by Amount Given
Class Outstanding Default by Trustee in Col. C
- ------------- ------------- ---------------------- -------------------
None
ITEM 10. OWNERSHIP OR HOLDINGS BY THE TRUSTEE OF VOTING SECURITIES OF CERTAIN
AFFILIATES OR SECURITY HOLDERS OF THE OBLIGOR.
If the trustee owns beneficially or holds as collateral security for
obligations in default any voting securities of a person who, to the
knowledge of the trustee (1) owns 10 percent or more of the voting
securities of the obligor or (2) is an affiliate, other than a
subsidiary, of the obligor, furnish the following information as to
the voting securities of such person:
As of April 22, 1997
-------------------
(within 31 days)
COL. A COL. B COL. C COL. D
- ------------- ------------- ---------------------- -------------------
Amount Owned
Beneficially or Held Percentage of Class
Name of Issuer as Collateral Security Securities Represented
and Title Amount for Obligations in by Amount Given
Of Class Outstanding Default by Trustee in Col. C
- ------------- ------------- ---------------------- -------------------
None
ITEM 11. OWNERSHIP OR HOLDINGS BY THE TRUSTEE OF ANY SECURITIES OF A PERSON
OWNING 50 PERCENT OR MORE OF THE VOTING SECURITIES OF THE OBLIGOR.
If the Trustee owns beneficially or holds as collateral security for
obligations in default any securities of a person who, to the
knowledge of the trustee, owns 50 percent or more of the voting
securities of the obligor, furnish the following information as to
each class of securities of such person, any of which are so owned or
held by the trustee:
As of April 22, l997
-------------------
(within 31 days)
COL. A COL. B COL. C COL. D
- ------------- ------------- ---------------------- -------------------
Amount Owned
Beneficially or Held Percentage of Class
Name of as Collateral Security Securities Represented
Issuer and Amount for Obligations in by Amount Given
Title of Class Outstanding Default by Trustee in Col. C
- ------------- ------------- ---------------------- -------------------
None
ITEM 12. INDEBTEDNESS OF THE OBLIGOR TO THE TRUSTEE.
Except as noted in the instructions, if the obligor is indebted to the
trustee, furnish the following information:
Col. A Col. B Col. C
-------------- ---------------- --------------
Nature of Indebtedness Amount Outstanding Date Due
---------------------- ------------------ ----------------
None.
ITEM 13. DEFAULTS BY THE OBLIGOR.
(a) State whether there is or has been a default with respect to the
securities under this indenture. Explain the nature of any such
default.
None.
(b) If the trustee is a trustee under another indenture under which
any other securities, or certificates of interest or
participation in any other securities, of the obligor are
outstanding, or is trustee for more than one outstanding series
of securities under the indenture, state whether there has been a
default under any such indenture or series. identify the
indenture or series affected, and explain the nature of any such
default.
None.
ITEM 14. AFFILIATIONS WITH THE UNDERWRITERS.
If any underwriter is an affiliate of the trustee, describe each such
affiliation.
Not applicable.
ITEM 15. FOREIGN TRUSTEE.
Identify the order or rule pursuant to which the foreign trustee is
authorized to act as sole trustee under indentures qualified or to be
qualified under the Act.
Not applicable.
ITEM 16. LIST OF EXHIBITS.
List below all exhibits filed as a part of this statement of
eligibility.
1. A copy of the articles of association of the trustee as now in
effect.
2. A copy of the authorization of the trustee to exercise corporate
trust powers.
3. A copy of the existing bylaws of the trustee, or instruments
corresponding thereto.
4. A copy of the latest report of condition of the trustee published
pursuant to law or the requirements of its supervising or
examining authority.
SIGNATURE
Pursuant to the requirements of the Trustee Indenture Act of 1939 the
trustee, Norwest Bank Colorado, N.A., organized and existing under the laws of
the United States of America, has duly caused this statement of eligibility to
be signed on its behalf by the undersigned, thereunto duly authorized, all in
the City and County of Denver, and State of Colorado on the 22nd day of April,
1997.
NORWEST BANK COLORADO, N.A.
By:/s/ A. Lenore Martinez
----------------------
A. Lenore Martinez
Senior Vice President
CONSENT OF TRUSTEE
Pursuant to the requirements of Section 321(b) of the Trust Indenture Act of
1939, in connection with the issue of NORDSTROM CREDIT, INC. MEDIUM TERM NOTES,
SERIES A; NORDSTROM CREDIT, INC. MEDIUM TERM NOTES, SERIES B; NORDSTROM CREDIT,
INC. MEDIUM TERM NOTES, SERIES C; NORDSTROM CREDIT, INC. MEDIUM TERM NOTES,
SERIES D; NORDSTROM CREDIT, INC. 6.70% NOTES, DUE JULY 1, 2005 we hereby consent
that reports of examinations by Federal, State, Territorial, or District
authorities may be furnished by such authorities to the Securities and Exchange
Commission upon request therefore.
NORWEST BANK COLORADO, N.A.
By:/s/ A. Lenore Martinez
----------------------
A. Lenore Martinez
Senior Vice President
Dated: April 22, 1997.
EXHIBIT 1
ARTICLES OF ASSOCIATION
OF
NORWEST BANK COLORADO, NATIONAL ASSOCIATION
FIRST. The title of this Association shall be Norwest Bank Colorado,
National Association; the Association in conjunction with its said legal name
may also use Norwest Bank Colorado, N.A.
SECOND. The main office of this Association shall be in the City of
Denver, County of Denver, State of Colorado. The general business of the
Association shall be conducted at its main office and its branches, if any.
THIRD. The Board of Directors of this Association shall consist of not
less than five nor more than twenty-five persons, the exact number to be fixed
and determined from time to time by resolution of a majority of the full Board
of Directors or by resolution of the shareholders at any annual or special
meeting thereof.
Each director, during the full term of his or her directorship, shall own a
minimum of $1,000 par value of stock of this Association or an equivalent
interest, as determined by the Comptroller of the Currency, in any company which
has control over this Association within the meaning of Section 2 of the Bank
Holding Company Act of 1956.
The Board of Directors, by the vote of a majority of the full Board, may,
between annual meetings of the shareholders, fill vacancies created by the
death, incapacity or resignation of any director and by the vote of a majority
of the full Board may also, between annual meetings of shareholders, increase
the membership of the Board by not more than four members and by like vote
appoint qualified persons to fill the vacancies created thereby; provided,
however, that at no time shall there be more than twenty-five directors of this
Association; and provided further, however, that not more than two members may
be added to the Board of Directors in the event that the total number of
directors last elected by shareholders was fifteen or less.
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, or such other place as the Board
of Director may designate, on the day of each year specified therefor in the
Bylaws, but if no election is held on that day, it may be held on any subsequent
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 amount of capital stock of this Association shall be One
Hundred Million Dollars ($100,000,000), divided into 1,000,000 shares of common
stock of the par value of One Hundred Dollars ($100.00) each; but said capital
stock may be increased or decreased from time to time, in accordance with the
provisions of the law of the United States.
No holder of shares of the capital stock of any class of this Association
shall have any preemptive or preferential right of subscription to any shares 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.
The Association, at any time and from time to time, may authorize and issue
debt obligations, whether or nor subordinated, without the approval of the
shareholders.
SIXTH. The Board of Directors shall appoint one of its members President
of this Association, who shall act as Chairman of the Board, unless the Board
appoints another director to act as Chairman. In the event the Board of
Directors shall appoint a President and a Chairman, the Board shall designate
which person shall act as the chief executive officer of this Association. The
Board of Directors shall have the power to appoint one or more Vice Presidents
and to appoint a Cashier and such other officers and employees as may be
required to transact the business of this Association.
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 the increase of the capital of this
Association shall be made; to manage and administer the business and affairs of
this Association; to make all Bylaws 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 power to change the location of
the main office to any other place within the limits of the City of Denver,
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, the Chairman, the President, or any one or
more shareholders owning, in the aggregate, not less than 25 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 or her address as shown upon the books of this Association. Any action
required or permitted to be taken at an annual or special meeting of the
shareholders of the Association may be taken without prior written notice and
without any meeting if such action is taken by written action, containing a
waiver of notice, signed by all of the shareholders entitled to vote on that
action.
-2-
TENTH. To the extent permitted by applicable law and regulation:
(a) ELIMINATION OF CERTAIN LIABILITY OF DIRECTORS. A director of the
Association shall not be personally liable to the Association or its
shareholders for monetary damages for breach of fiduciary duty as a director,
except for liability (i) for any breach of the director's duty of loyalty to the
Association or its shareholders, (ii) for acts or omissions not in good faith or
which involve intentional misconduct or a knowing violation of law, (iii) under
Section 174 of the Delaware General Corporation Law, or (iv) for any transaction
from which the director derived an improper personal benefit.
(b)(1) RIGHT TO INDEMNIFICATION. Each person who was or is made a party or
is threatened to be made a party to or is involved in any action, suit or
proceeding, whether civil, criminal, administrative or investigative
(hereinafter a "proceeding"), by reason of the fact that he or she, or a person
of whom he or she is the legal representative, is or was a director or officer
of the Association or is or was serving at the request of the Association as a
director, officer, employee or agent of another corporation or of a partnership,
joint venture, trust or other enterprise, including service with respect to
employee benefit plans, whether the basis of such proceeding is alleged action
or inaction in an official capacity as a director, officer, employee, or agent
or in any other capacity while serving as a director, officer, employee or
agent, shall be indemnified and held harmless by the Association to the fullest
extent authorized by the Delaware General Corporation Law, as the same exists or
may hereafter be amended (but, in the case of any such amendment, only to the
extent that such amendment permits the Association to provide broader
indemnification rights than said law permitted the Association to provide prior
to such amendment), against all expense, liability and loss (including
attorneys' fees, judgments, fines, ERISA excise taxes or penalties and amounts
paid or to be paid in settlement except to the extent prohibited by CFR
7.5217(b)) reasonably incurred or suffered by such person in connection
therewith and such indemnification shall continue as to a person who has ceased
to be a director, officer, employee or agent and shall inure to the benefit of
his or her heirs, executors and administrators; provided, however, that the
Association shall indemnify any such person seeking indemnification in
connection with a proceeding (or part thereof) initiated by such person only if
such proceeding (or part thereof) was authorized by the Board of Directors of
the Association. The right to indemnification conferred in this paragraph (b)
shall be a contract right and shall include the right to be paid by the
Association the expenses incurred in defending any such proceeding in advance of
its final disposition; provided, however, that, if the Delaware General
Corporation Law requires, the payment of such expenses incurred by a director of
officer in his or her capacity as a director or officer (and not in any other
capacity in which service was or is rendered by such person while a director or
officer, including, without limitation, service to an employee benefit plan) in
advance of the final disposition of a proceeding, shall be made only upon
delivery to the Association of an undertaking, by or on behalf of such director
or officer, to repay all amounts so advanced if it shall ultimately be
determined that such director of officer is not entitled to be indemnified under
this paragraph (b) or otherwise. The Association may, by action of its Board of
Directors, provide indemnification to employees and agents of the Association
with the same scope and effect as the foregoing indemnification of directors and
officers.
-3-
(2) NON-EXCLUSIVITY OF RIGHTS. The right to indemnification and the
payment of expenses incurred in defending a proceeding in advance of its
final disposition conferred in this paragraph (b) shall not be exclusive of
any other right which any person may have or hereafter acquire under any
statute, provision of the Articles of Association, by-law, agreement, vote of
shareholders or disinterested directors or otherwise.
(3) INSURANCE. Except to the extent prohibited by 12 CFR 7.5217(d),
the Association may maintain insurance, at its expense, to protect itself and
any director, officer, employee or agent of the Association or another
corporation, partnership, joint venture, trust or other enterprise against
any such expense, liability or loss, whether or not the Association would
have the power to indemnify such person against such expense, liability or
loss under the Delaware General Corporation Law.
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 holders of such greater amount.
-4-
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_______________________________________________________________________________
COMPTROLLER OF THE CURRENCY
ADMINISTRATOR OF NATIONAL BANKS
_______________________________________________________________________________
Washington, D.C. 20219
CERTIFICATION OF FIDUCIARY POWERS
---------------------------------
I, Dean E. Miller, Deputy Comptroller for Trust and Securities, do
hereby certify that the records in this Office evidence that the United Bank
of Denver National Association, Denver, Colorado, was granted, under the hand
and seal of the Comptroller, the right to act in all fiduciary capacities
authorized under the provisions of the Act of Congress approved September 28,
1962, 76 Stat. 668, 12 USC 92a. I further certify that the authority so
granted remains in full force and effect.
IN TESTIMONY WHEREOF, I have hereunto subscribed
my name and caused the seal of Office of the
Comptroller of the Currency to be affixed to these
presents at the Treasury Department, in the City
of Washington and District of Columbia this second
day of October, 1984.
[Seal] /s/ Dean E. Miller
Dean E. Miller
Deputy Comptroller
for Trust and Securities
The foregoing is a true and complete copy of a
document which is in our files.
United Bank of Denver N.A.
By: /s/ A. Lenore Martinez
________________________
[Logo]
_______________________________________________________________________________
COMPTROLLER OF THE CURRENCY
ADMINISTRATOR OF NATIONAL BANKS
_______________________________________________________________________________
Washington, D.C. 20219
CERTIFICATE
-----------
I, Stephen R. Steinbrink, Acting Comptroller of the Currency, do hereby
certify that:
1. The Comptroller of the Currency, pursuant to Revised Statutes 324, et
seq., as amended, 12 U.S.C. 1, et seq., as amended, has possession, custody
and control of all records pertaining to the chartering, regulation and
supervision of all National Banking Associations.
2. Effective April 27, 1992 the titles of the attached Thirty Seven National
Banking Associations, located in the State of Colorado were changed as shown
on the attached Exhibit A.
IN TESTIMONY WHEREOF, I have hereunto subscribed
my name and caused my seal of office to be
affixed to these presents at the Treasury
Department, in the City of Washington and District
of Columbia, this 14th day of May, 1992.
[Seal]
/s/ Stephen R. Steinbrink
---------------------------------------------------
Acting Comptroller of the Currency
I hereby certify that this
is a True and Correct
copy of the foregoing
instrument which is still
in full force and effect.
Norwest Bank Denver, N.A.
By: /s/ A. Lenore Martinez
-----------------------
Name Prior to April 27, 1992 Charter # Legal Name Effective April 27, 1992
- ---------------------------- --------- -----------------------------------
Bank of Academy Place National Association 17891 Norwest Bank Academy Place, National Association
Bank of Arapahoe National Association 17017 Norwest Bank Arapahoe, National Association
Bank of Arvada National Association 16747 Norwest Bank Arvada, National Association
Bank of Aurora National Association 21822 Norwest Bank Aurora, National Association
Bank of Aurora-City Center National Association 18034 Norwest Bank Aurora-City Center, National Association
Bank of Aurora-South National Association 21824 Norwest Bank Aurora-South, National Association
Bank of Bear Valley National Association 15332 Norwest Bank Bear Valley, National Association
Bank of Boulder National Association 2355 Norwest Bank Boulder, National Association
Bank of Brighton National Association 21831 Norwest Bank Brighton, National Association
Bank of Broomfield National Association 21825 Norwest Bank Broomfield, National Association
Bank of Buckingham Square National Association 16244 Norwest Bank Buckingham Square, National Association
Bank of Cherry Creek National Association 17361 Norwest Bank Cherry Creek, National Association
Bank of Colorado Springs National Association 8572 Norwest Bank Colorado Springs, National Association
Bank of Colorado Springs-East National Association 15378 Norwest Bank Colorado Springs-East, National Association
Bank of Delta National Association 15321 Norwest Bank Delta, National Association
Bank of Denver National Association 3269 Norwest Bank Denver, National Association
Bank of Durango National Association 18761 Norwest Bank Durango, National Association
Bank of Fort Collins National Association 7837 Norwest Bank Fort Collins, National Association
Bank of Fort Collins-South National Association 16909 Norwest Bank Fort Collins-South, National Association
Bank of Garden of the Gods National Association 18762 Norwest Bank Garden of the Gods, National Association
Bank of Grand Junction National Association 15317 Norwest Bank Grand Junction, National Association
Bank of Grand Junction-Downtown National Association 18749 Norwest Bank Grand Junction-Downtown, National Association
Bank of Greeley National Association 3148 Norwest Bank Greeley, National Association
Bank of Highlands Ranch National Association 17887 Norwest Bank Highlands Ranch, National Association
Bank of Lakewood National Association 15079 Norwest Bank Lakewood, National Association
Bank of LaSalle National Association 15275 Norwest Bank LaSalle, National Association
Bank of Littleton National Association 21829 Norwest Bank Littleton, National Association
Bank of Longmont National Association 17481 Norwest Bank Longmont, National Association
Bank of Monaco National Association 16475 Norwest Bank Monaco, National Association
Bank of Montrose National Association 4007 Norwest Bank Montrose, National Association
Bank of Northglenn National Association 15203 Norwest Bank Northglenn, National Association
Bank of Pueblo National Association 21776 Norwest Bank Pueblo, National Association
Bank of Southglenn National Association 15433 Norwest Bank Southglenn, National Association
Bank of Southwest Plaza National Association 17088 Norwest Bank Southwest Plaza, National Association
Bank of Steamboat Springs National Association 14400 Norwest Bank Steamboat Springs, National Association
Bank of Sterling National Association 21827 Norwest Bank Sterling, National Association
Bank of Sunset Park National Association 15003 Norwest Bank Sunset Park, National Association
[Logo]
_______________________________________________________________________________
COMPTROLLER AT THE CURRENCY
ADMINISTRATOR OF NATIONAL BANKS
_______________________________________________________________________________
Midwestern District Office
2345 Grand Avenue, Suite 700
Kansas City, Missouri 64108 I hereby certify that this
is a True and Correct
copy of the foregoing
January 3, 1994 instrument which is still
in force and effect.
NORWEST BANK COLORADO, N.A.
Mr. Terence W. Chase
Manager, External Reporting By: /s/ (Signature Illegible)
Norwest Corporation ----------------------------
Sixth and Marquette
Minneapolis, Minnesota 55479
Dear Mr. Chase:
This letter is the official certification of the Office of the Comptroller
of the Currency (OCC) to consolidate Norwest Bank Arapahoe, National
Association, Englewood, CO (Charter No. 17017); Norwest Bank Arvada,
National Association, Arvada, CO (Charter No. 16747); Norwest Bank Aurora,
National Association, Aurora, CO (Charter No. 21822); Norwest Bank
Aurora-City Center, National Association, Aurora, CO (Charter No. 18034);
Norwest Bank Aurora-South, National Association, Aurora, CO (Charter No.
21824); Norwest Bank Bear Valley, National Association, Denver, CO
(Charter No. 15332); Norwest Bank Broomfield, National Association,
Broomfield, CO (Charter No. 21825); Norwest Bank Buckingham Square,
National Association, Aurora, CO (Charter No. 16244); Norwest Bank Cherry
Creek, National Association, Denver, CO (Charter No. 17361); Norwest Bank
Highlands Ranch, National Association, Highlands Ranch, CO (Charter No.
17887); Norwest Bank Lakewood, National Association, Lakewood, CO (Charter
No. 15079); Norwest Bank Littleton, National Association, Littleton, CO
(Charter No. 21829); Norwest Bank Monaco, National Association, Denver, CO
(Charter No. 16475); Norwest Bank Northglenn, National Association,
Northglenn, CO (Charter No. 15203); Norwest Bank Southglenn, National
Association, Littleton, CO (Charter No. 15433); Norwest Bank Southwest
Plaza, National Association, Littleton, CO (Charter No. 17088) into
Norwest Bank Denver, National Association, Denver, CO, effective January
1, 1994. The resulting bank title is "Norwest Bank Colorado, National
Association" and the Charter Number is 3269.
Page 3
This letter is also the official OCC certification for Norwest Bank
Colorado, National Association to increase its common stock to
$50,000,000 as of January 1, 1994.
Sincerely,
/s/ Ellen Tanner Shepherd
-------------------------
Ellen Tanner Shepherd
Corporate Manager
[Seal]
Exhibit 3
NORWEST BANK COLORADO, NATIONAL ASSOCIATION
BY-LAWS I hereby certify that this is a
True and Correct copy of the
foregoing instrument which is still
in force and effect.
ARTICLE I NORWEST BANK COLORADO, N.A.
By: /s/ (Signature Illegible)
-----------------------------
AUG 03 1995
MEETING OF SHAREHOLDERS
SECTION 1.1 ANNUAL MEETING. The regular annual meeting of the
shareholders for the election of directors and the transaction of whatever
other business may properly come before the meeting shall be held on the
third Thursday of January of each year at such time and place as the Board of
Directors may designate. If for any cause the annual meeting of shareholders
for the election of directors is not held on the date fixed in this by-law,
such meeting may be held on some other day, notice thereof having been given
in accordance with the requirements of Section 5149, United States Revised
Statutes, and the meeting conducted according to the provisions of these
by-laws.
SECTION 1.2 SPECIAL MEETINGS. Except as otherwise specifically provided
by statute, special meetings of shareholders may be called for any purpose at
any time by the Board of Directors, by the Chief Executive Officer, by the
President, or by any one or more shareholders owning in the aggregate not
less than 25 percent of the then outstanding shares, as provided in Article
Ninth of the Articles of Association.
SECTION 1.3 NOTICE OF MEETINGS. A notice of each annual or special
shareholders' meeting, setting forth the time, place, and purpose of the
meeting, shall be given, by first-class mail, postage prepaid, to each
shareholder of record at least ten days prior to the date on which such
meeting is to be held; but any failure to mail such notice of any annual
meeting, or any irregularity therein, shall not affect the validity of such
annual meeting or of any of the proceedings thereat. Notwithstanding anything
in these by-laws to the contrary, a valid shareholders' meeting may be held
without notice whenever notice thereof shall be waived in writing by all
shareholders, or whenever all shareholders shall be present or represented at
the meeting.
SECTION 1.4 QUORUM. The holders of a majority of the stock issued and
outstanding and entitled to vote thereat, present in person or represented by
proxy, shall constitute a quorum at all meetings of the shareholders for the
transaction of business, and may transact any business except such as may,
under the provisions of law, the Articles of Association, or these by-laws,
require the vote of holders of a greater number of shares. If, however, such
majority shall not be present or represented at any meeting of the
shareholders, the shareholders entitled to vote thereat, present in person or
by proxy, shall have power to adjourn the meeting from time to time, without
notice other than announcement at the meeting, until such time as the Board
of Directors may determine.
SECTION 1.5 PROXIES AND VOTING RIGHTS. At each meeting of the
shareholders each shareholder having the right to vote shall be entitled to
vote in person or by proxy appointed by an instrument in writing subscribed
by such shareholder, which proxy shall be valid for that meeting or any
adjournments thereof, shall be dated, and shall be filed with the records of
the meeting. No officer or employee of this Association may act as proxy.
Each shareholder shall have one vote for each share of stock having voting
power which is registered in his name on the books of the Association. Voting
for the election of directors and voting upon any other matter which may be
brought before any shareholders' meeting may, but need not, be by ballot,
unless voting by ballot be requested by a shareholder present at the meeting.
SECTION 1.6 PROCEEDINGS AND RECORD. The Chairman of the Board shall
preside at all meetings of the shareholders or, in case of his absence or
inability to act, the President or, in case of the absence or inability to
act of both of them, any Executive Vice President may preside at any such
meeting. The presiding officer shall appoint a person to act as secretary of
each shareholders' meeting; provided, however, that the shareholders may
appoint some other person to preside at their meetings or to act as secretary
thereof. A record of all business transacted shall be made of each
shareholders' meeting showing, among other things, the names of the
shareholders present and the number of shares of stock held by each, the
names of the shareholders represented by proxy and the number of shares held by
each, the names of the proxies, the number of shares voted on each motion or
resolution and the number of shares voted for each candidate for director.
This record shall be entered in the minute book of the Association and shall
be subscribed by the secretary of the meeting.
ARTICLE II
DIRECTORS
SECTION 2.1 BOARD OF DIRECTORS. The Board of Directors (hereinafter
referred to as the "Board") shall have power to manage and administer the
business and affairs of the Association. Except as expressly limited by law,
all corporate powers of the Association shall be vested in and may be
exercised by the Board.
SECTION 2.2 NUMBER AND QUALIFICATIONS. The Board shall consist of not
less than five nor more than twenty-five persons, the exact number within
such minimum and maximum limits to be fixed and determined from time to time
by resolution of a majority of the full Board or by resolution of the
shareholders at any meeting thereof, provided, however, that a majority of
the full Board may not increase the number of directors to a number which (i)
exceeds by more than two the number of directors last elected by shareholders
where such number was fifteen or less; and (ii) exceeds by more than four the
number of directors last elected by shareholders where such number was
sixteen or more, but in no event shall the number of directors exceed
twenty-five.
2
Each director shall, during the full term of his directorship, be a
citizen of the United States, and at least two-thirds of the directors shall
have resided in the State of Colorado, or within one hundred miles of the
location of the office of the Association, for at least one year immediately
preceding their election, and shall be residents of such state or within a
one-hundred-mile territory of the location of the Association during their
continuance in office. Each director, during the full term of his
directorship, shall own a minimum of $1,000 par value of stock of this
Association or an equivalent interest, as determined by the Comptroller of
the Currency, in any company which has control over this Association within
the meaning of Section 2 of the Bank Holding Company Act of 1956, as amended.
SECTION 2.3 ORGANIZATION MEETING. A meeting of the newly elected Board
shall be held at the main office of this Association, without notice,
immediately following the adjournment of the annual meeting of the
shareholders, or at such other time and at such other place to which said
meeting may be adjourned. No business shall be transacted at any such meeting
until a majority of the directors elected shall have taken an oath of office
as prescribed by law, and no director elected shall participate in the
business transacted at any such meeting of the Board until he shall have
taken said oath. If at any such meeting there is not a quorum of the
directors present who shall have taken the oath of office, the members
present may adjourn the meeting from time to time until a quorum is secured.
At such meeting of the newly elected Board, if a quorum is present, the
directors may elect officers for the ensuing year and transact any and all
business which may be brought before them.
SECTION 2.4 REGULAR MEETINGS. The regular meetings of the Board shall be
held, without notice other than by this by-law, on the third Thursday of
every other month, at such time and place as the Board may designate. If the
day fixed for a regular meeting falls upon a bank or legal holiday, the
meeting shall be held on the next succeeding banking business day or on such
other date specified by the Board, in which case notice shall be given to
each director as provided in Section 2.6.
SECTION 2.5 SPECIAL MEETINGS. Special meetings of the Board may be
called by the Chairman of the Board, the President, or the Secretary, and
shall be called at the request of one-third or more of the directors.
SECTION 2.6 NOTICE OF MEETINGS. Each member of the Board shall be given
not less than one day's notice by telephone, telegram, letter, or in person,
stating the time and place of any regular or special meeting; such notice
may, but need not, state the purpose of said meeting. Notwithstanding
anything in these by-laws to the contrary, a valid directors' meeting may be
held without notice whenever notice thereof shall be waived in writing by all
of the directors, or whenever all of the directors are present at the meeting.
SECTION 2.7 QUORUM AND VOTING. A majority of the directors shall
constitute a quorum at all directors' meetings. Except where the vote of a
greater number of directors is required by the Articles of Association, these
by-laws or under provisions of law, the
3
vote of a majority of the directors at a meeting at which a quorum is present
shall be sufficient to transact business.
SECTION 2.8 PROCEEDINGS AND RECORD. The Chairman of the Board, if such
officer shall have been designated by the Board, shall preside at all
meetings thereof, and in his absence or inability to act (or if there shall
be no Chairman of the Board) the President, and in his absence or inability
to act, any other director appointed chairman of the meeting pro tempore,
shall preside at meetings of the directors. The Secretary, any Assistant
Secretary, or any other person appointed by the Board, shall act as secretary
of the Board and shall keep accurate minutes of all meetings.
SECTION 2.9 VACANCIES. Any vacancy in the Board may be filled by
appointment at any regular or special meeting of the Board by the remaining
directors in accordance with the laws of the United States, and any director
so appointed shall hold his place until the next election.
ARTICLE III
COMMITTEES OF THE BOARD
SECTION 3.1 EXECUTIVE COMMITTEE. The Board may appoint annually or more
often an Executive Committee consisting of three or more directors. In the
event an Executive Committee is appointed, the Executive Committee shall have
the power to approve, review, and delegate authority to make loans and
otherwise extend credit and to purchase and sell bills, notes, bonds,
debentures and other legal investments and to establish and review general
loan and investment policies. In addition, when the Board is not in session,
the Executive Committee shall have the power to exercise all powers of the
Board, except those that cannot legally be delegated by the Board. The
Executive Committee shall keep minutes of its meetings, and such minutes
shall be submitted at the next regular meeting of the Board at which a quorum
is present.
SECTION 3.2 TRUST COMMITTEES. The Board shall appoint a Trust Audit
Committee, whose members shall be directors of the Association who have no
direct or indirect responsibility for the trust function. This Committee
shall, at least once during each calendar year and within fifteen months of
the last such audit, make suitable audits of the Trust Department or cause
suitable audits to be made by auditors responsible only to the Board and at
such time shall ascertain and report to the Board whether said Department has
been administered in accordance with applicable laws and regulations and
sound fiduciary principles. Every report to the Board under this section,
together with the action taken thereon, shall be noted in the minutes of the
Board. The Board shall from time to time appoint such other committees of
such membership and with such powers and duties as it is required to appoint
under the provisions of Regulation 9 issued by the Comptroller of the
Currency relating to the trust powers of national banks, or any amendments
thereto, and may appoint such other committees of such membership
4
and with such powers and duties as the Board may provide and as are permitted
by said Regulation 9, or any amendments thereto.
SECTION 3.3 OTHER COMMITTEES. The Board, by a majority vote of the whole
Board, may create from its own members or (to the extent permitted by
applicable statutes, laws and regulations) from its own members and/or
officers or employees of the Association such other committees as it may from
time to time deem necessary, and may designate the name and term of existence
and prescribe the duties thereof.
SECTION 3.4 PROCEEDINGS AND RECORD. Each committee appointed by the
Board may hold regular meetings at such time or times as may be fixed by the
Board or by the committee itself. Special meetings of any committee may be
called by the chairman or vice chairman or any two members thereof. The Board
may, at the time of the appointment of any committee, designate alternate or
advisory members, designate its chairman, vice chairman, and secretary, or
any one or more thereof, and the committee itself may appoint such of said
officers as have not been so designated by the Board if they deem such
appointment necessary or advisable. The secretary may but need not be a
member of the committee. The Board may at any time prescribe or change the
number of members whose presence is required to constitute a quorum at any or
all meetings of a committee. The quorum so prescribed need not be a majority
of the members of the committee. If no quorum is prescribed by the Board, the
presence of a majority of the members of the committee shall be required to
constitute a quorum. Each committee shall keep such records of its meetings
and proceedings as may be required by law or applicable regulations and may
keep such additional records of its meetings and proceedings as it deems
necessary or advisable, and each committee may make such rules of procedure
for the conduct of its own meetings and the method of discharge of its duties
as it deems advisable. Each committee appointed by the Board may appoint
subcommittees composed of its own members or other persons and may rely on
information furnished to it by such subcommittees or by statistical or other
fact-finding departments or employees of this Association, provided that
final action shall be taken in each case by the committee.
ARTICLE IV
OFFICERS AND EMPLOYEES
SECTION 4.1 APPOINTMENT OF OFFICERS. The Board shall appoint a
President, one or more Executive Vice Presidents, one or more office
Presidents, one or more Senior Vice Presidents, one or more Vice Presidents,
and a Secretary, and may appoint a Chairman of the Board and such other
officers as from time to time may appear to the Board to be required or
desirable to transact the business of the Association. Only directors shall
be eligible for appointment as President or Chairman of the Board. If a
director other than the President is appointed Chairman of the Board, the
Board shall designate either of these two officers as the chief executive
officer of this Association.
5
The chief executive officer may appoint other officers below the rank of Vice
President by filing a written notice of such officer appointments with the
Secretary.
SECTION 4.2 TENURE OF OFFICE. Officers shall hold their respective
offices for the current year for which they are appointed unless they resign,
become disqualified or are removed. Any officer appointed by the Board may be
removed at any time by the affirmative vote of a majority of the full Board
or in accordance with authority granted by the Board. During the year between
its organization meetings, the Board may appoint additional officers and
shall promptly fill any vacancy occurring in any office required to be filled.
SECTION 4.3 CHIEF EXECUTIVE OFFICER. The chief executive officer shall
supervise the carrying out of policies adopted or approved by the Board,
shall have general executive powers as well as the specific powers conferred
by these by-laws, and shall also have and may exercise such further powers
and duties as from time to time may be conferred upon or assigned to him by
the Board.
SECTION 4.4 SECRETARY OR ASSISTANT SECRETARY. The Secretary or any
Assistant Secretary shall attend to the giving of all notices required by
these by-laws to be given; shall be custodian of the corporate seal, records,
documents and papers of the Association; shall provide for the keeping of
proper records of all transactions of the Association; shall have and may
exercise any and all other powers and duties pertaining by law, regulation or
practice, to the Office of Secretary, or imposed by these by-laws; and shall
also perform such other duties as may be assigned from time to time by the
Board.
SECTION 4.5 GENERAL AUTHORITY AND DUTIES. Officers shall have the
general powers and duties customarily vested in the office of such officers
of a corporation and shall also exercise such powers and perform such duties
as may be prescribed by the Articles of Association, by these by-laws, or by
the laws or regulations governing the conduct of the business of national
banking associations, and shall exercise such other powers and perform such
other duties not inconsistent with the Articles of Association, these by-laws
or laws or regulations as may be conferred upon or assigned to them by the
Board or the chief executive officer.
SECTION 4.6 EMPLOYEES AND AGENTS. Subject to the authority of the Board,
the chief executive officer, or any other officer of the Association
authorized by him, may appoint or dismiss all or any employees and agents and
prescribe their duties and the conditions of their employment, and from time
to time fix their compensation.
SECTION 4.7 BONDS OF OFFICERS AND EMPLOYEES. The officers and employees
of this Association shall give bond with security to be approved by the Board
in such penal sum as the Board shall require, conditioned for the faithful
and honest discharge of their respective duties and for the faithful
application and accounting of all monies, funds and other property which may
come into their possession or may be entrusted to their care or placed in
their hands. In the discretion of the Board in lieu of having individual
bonds for
6
each officer and employee, there may be substituted for the bonds provided
for herein a blanket bond covering all officers and employees providing
coverage in such amounts and containing such conditions and stipulations as
shall be approved by the chief executive officer of this Association but
subject to the supervision and control of the Board.
ARTICLE V
STOCK AND STOCK CERTIFICATES
SECTION 5.1 TRANSFERS. Shares of stock shall be transferable only on the
books of the Association upon surrender of the certificate for cancellation,
and a transfer book shall be kept in which all transfers of stock shall be
recorded.
SECTION 5.2 STOCK CERTIFICATES. Certificates of stock shall be signed by
the chief executive officer, the President, or any Executive Vice President
and the Secretary, or any Assistant Secretary, or any other officer appointed
by the Board for that purpose, and shall be sealed with the corporate seal.
Each certificate shall recite on its face that the stock represented thereby
is transferable only upon the books of the Association properly endorsed, and
shall meet the requirements of Section 5139, United States Revised Statutes,
as amended.
SECTION 5.3 DIVIDENDS. Transfers of stock shall be suspended preparatory
to the declaration of dividends and, unless an agreement to the contrary
shall be expressed in the assignments, dividends shall be paid to the
shareholders in whose name the stock shall stand at the time of the
declaration of the dividends or on such record date as may be fixed by the
Board.
SECTION 5.4 LOST CERTIFICATES. In the event of loss or destruction of a
certificate of stock, a new certificate may be issued in its place upon proof
of such loss or destruction and upon receipt of an acceptable bond or
agreement of indemnity as maybe required by the Board.
ARTICLE VI
CORPORATE SEAL
SECTION 6.1 FORM. The corporate seal of the Association shall have
inscribed thereon the name of the Association.
SECTION 6.2 AUTHORITY TO IMPRESS. The chief executive officer, the
President, the Secretary, any Assistant Secretary, or other officer
designated by the Board, shall have authority to impress or affix the
corporate seal to any document requiring such seal, and to attest the same.
7
ARTICLE VII
MISCELLANEOUS PROVISIONS
SECTION 7.1 BANKING HOURS. The days and hours during which this
Association shall be open for business shall be fixed from time to time by
the Board, the chief executive officer, or the President, consistent with
national and state laws governing banking and business transactions.
SECTION 7.2 EXECUTION OF WRITTEN INSTRUMENTS. All instruments,
documents, or agreements relating to or affecting the property or business
and affairs of this Association, or of this Association when acting in any
representative or fiduciary capacity, shall be executed, acknowledged,
verified, delivered or accepted in behalf of this Association by the chief
executive officer, the President, any Executive Vice President, any office
President, any Senior Vice President, any Vice President, the Secretary, any
Assistant Vice President, any Assistant Secretary, or by such other officer,
officers, employees, or designated signers as the Board may from time to time
direct.
SECTION 7.3 RECORDS. The Articles of Association, these by-laws, and any
amendments thereto, and the proceedings of all regular and special meetings
of the directors and of the shareholders shall be recorded in appropriate
minute books provided for the purpose. The minutes of each meeting shall be
signed by the person appointed to act as secretary of the meeting.
SECTION 7.4 FISCAL YEAR. The fiscal year of the Association shall be the
calendar year.
ARTICLE VIII
BY-LAWS
SECTION 8.1 INSPECTION. A copy of these by-laws, with all amendments
thereto, shall at all times be kept in a convenient place at the main office
of the Association, and shall be open for inspection to all shareholders
during banking hours.
SECTION 8.2 AMENDMENTS. These by-laws may be changed or amended at any
regular or special meeting of the Board by a vote of a majority of the full
Board or at any regular or special meeting of shareholders by the vote of the
holders of a majority of the stock issued and outstanding and entitled to
vote thereat.
8
NORWEST BANK COLORADO, NATIONAL ASSOCIATION
MARCH 16, 1995 MEETING OF THE BOARD OF DIRECTORS
ACTION: APPROVE AMENDMENT TO BYLAWS
ARTICLE II
DIRECTORS
SECTION 2.10 MEETINGS BY TELEPHONE. Unless otherwise provided by the
articles of association, one or more members of the board of directors may
participate in a meeting of the board by teleconference or by similar
communications equipment by which all persons participating in the meeting
can hear each other at the same time. Such participation shall constitute
presence in person at the meeting.
SECTION 2.11 ACTION WITHOUT A MEETING. Any action required or permitted
to be taken at a meeting of the directors may be taken without a meeting if a
consent in writing, setting forth the action so taken, shall be signed by all
of the directors. Such consent (which may be signed in counterparts) shall
have the same force and effect as a unanimous vote of the directors and may
be stated as such in any document. Unless the consent specifies a different
effective date, action taken herein is effective when all directors have
signed the consent. All consents signed pursuant to this Section 2.11 shall
be delivered to the secretary of the bank for inclusion in the minutes or for
filing with the bank records.
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
FEDERAL FINANCIAL Expires March 31, 1999
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
(961231)
REPORT AT THE CLOSE OF BUSINESS DECEMBER 31, 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).
- --------------------------------------------------------------------------------
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,-------------------------------------------------------------
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/ Dennis D. Erickson
- ---------------------------------------------------------------
Signature of Officer Authorized to Sign Report
1-21-97
- ---------------------------------------------------------------
Date of Signature
- -------------------------------------------------------------------------------
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.
- -------------------------------------------------------------------------------
FDIC Certificate Number | | | | | |
-----------
(RCRI 9080)
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, consoli-
dated foreign subsidiaries, or International Banking Facilities.
- --------------------------------------------------------------------------------
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/ David E. Bailey
- ---------------------------------------------------------------
Director (Trustee)
/s/ [illegible]
- ---------------------------------------------------------------
Director (Trustee)
/s/ Linda J. Petty
- ---------------------------------------------------------------
Director (Trustee)
- --------------------------------------------------------------------------------
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.
- --------------------------------------------------------------------------------
CALL NO. 198 31 12-31-96
STBK: 08-0510 00017 STCERT: 08-03011
NORWEST BANK COLORADO, NATIONAL ASSO
1740 BROADWAY, M.S. 8729
DENVER, CO 80274
Board of Governors of the Federal Reserve System, Federal Deposit Insurance
Corporation, Office of the Comptroller of the Currency
FFIEC 031
/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 saving 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: Norwest Bank Colorado, N.A.
Address: 1740 Broadway
City, State Zip: Denver, CO 80274-8604
FDIC Certificate No.: |0|3|0|1|1|
CONSOLIDATED REPORT OF INCOME
FOR THE PERIOD JANUARY 1, 1996 - DECEMBER 31, 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 120,996 | 1.a. (1)(a)
(b) Loans to depository institutions............................................. | 4019 8,479 | 1.a. (1)(b)
(c) Loans to finance agricultural production and other loans to farmers.......... | 4024 7,915 | 1.a. (1)(c)
(d) Commercial and industrial loans.............................................. | 4012 77,275 | 1.a. (1)(d)
(e) Acceptances of other banks................................................... | 4026 36 | 1.a. (1)(e)
(f) Loans to individuals for household, family, and other personal expenditures: | ///////////////// |
(1) Credit cards and related plans........................................... | 4054 11,192 | 1.a. (1)(f)(1)
(2) Other.................................................................... | 4055 68,113 | 1.a. (1)(f)(2)
(g) Loans to foreign governments and official institutions....................... | 4056 2 | 1.a. (1)(g)
(h) Obligations (other than securities and leases) of states and political | ///////////////// |
subdivisions in the U.S.: | ///////////////// |
(1) Taxable obligations...................................................... | 4503 0 | 1.a. (1)(h)(1)
(2) Tax-exempt obligations................................................... | 4504 1,238 | 1.a. (1)(h)(2)
(i) All other loans in domestic offices.......................................... | 4058 65 | 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 39 | 1.b. (1)
(2) Tax-exempt leases................................................................ | 4307 0 | 1.b. (2)
c. Interest income on balances due from depository institutions: (1) | ///////////////// |
(1) In domestic offices.............................................................. | 4105 13 | 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 188,396 | 1.d. (1)
(2) Securities issued by states and political subdivisions in the U.S.: | ///////////////// |
(a) Taxable securities........................................................... | 4506 251 | 1.d. (2)(a)
(b) Tax-exempt securities........................................................ | 4507 2,647 | 1.d. (2)(b)
(3) Other domestic debt securities................................................... | 3657 711 | 1.d. (3)
(4) Foreign debt securities.......................................................... | 3658 0 | 1.d. (4)
(5) Equity securities (including investments in mutual funds)........................ | 3659 553 | 1.d. (5)
e. Interest income from trading assets.................................................. | 4069 0 | 1.e.
---------------------
- ------------------
(1) Includes interest income on time certificates of deposit not held for
trading.
3
Legal Title of Bank: Norwest Bank Colorado, N.A.
Address: 1740 Broadway
City, State Zip: Denver, CO 80274-8604
FDIC Certificate No.: |0|3|0|1|1|
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 17,342 | 1.f.
g. Total interest income (sum of items 1.a through 1.f) ............................ | 4107 505,263 | 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 16,426 | 2.a.(1)(a)
(b) Nontransaction accounts: | ///////////////// |
(1) Money market deposit accounts (MMDAs) ............................... | 4509 39,044 | 2.a.(1)(b)(1)
(2) Other savings deposits .............................................. | 4511 26,254 | 2.a.(1)(b)(2)
(3) Time certificates of deposit of $100,000 or more .................... | 4174 15,319 | 2.a.(1)(b)(3)
(4) All other time deposits ............................................. | 4512 58,784 | 2.a.(1)(b)(4)
(2) Interest on deposits in foreign offices, Edge and Agreement subsidiaries, | ///////////////// |
and IBFs .................................................................... | 4172 3,769 | 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 5,723 | 2.b.
c. Interest on demand notes issued to the U.S. Treasury, trading liabilities, | ///////////////// |
and other borrowed money ........................................................ | 4185 0 | 2.c.
d. Interest on mortgage indebtedness and obligations under capitalized leases ...... | 4072 122 | 2.d.
e. Interest on subordinated notes and debentures ................................... | 4200 687 | 2.e.
f. Total interest expense (sum of items 2.a through 2.e) ........................... | 4073 166,128 | 2.f.
| ///////////////// |------------------
3. Net interest income (item 1.g minus 2.f) ........................................... | ///////////////// |RIAD 4074|339,135| 3.
| ///////////////// |------------------
4. Provisions: | ///////////////// |------------------
a. Provision for loan and lease losses ............................................. | ///////////////// |RIAD 4230| 8,946|4.a.
b. Provision for allocated transfer risk ........................................... | ///////////////// |RIAD 4243| 0|4.b.
| ///////////////// |------------------
5. Noninterest income: | ///////////////// |
a. Income from fiduciary activities ................................................ | 4070 29,116 | 5.a.
b. Service charges on deposit accounts in domestic offices ......................... | 4080 55,743 | 5.b.
c. Trading revenue (must equal Schedule RI, sum of Memorandum items | ///////////////// |
8.a through 8.d) ................................................................ | A220 1 | 5.c.
d. Other foreign transaction gains (losses) ........................................ | 4076 281 | 5.d.
e. Not applicable | ///////////////// |
f. Other noninterest income: | ///////////////// |
(1) Other fee income ............................................................ | 5407 28,672 | 5.f.(1)
(2) All other noninterest income* ............................................... | 5408 9,569 | 5.f.(2)
| ///////////////// |------------------
g. Total noninterest income (sum of items 5.a through 5.f) ......................... | ///////////////// |RIAD 4079|123,382|5.g.
6. a. Realized gains (losses) on held-to-maturity securities .......................... | ///////////////// |RIAD 3521| (10)|6.a.
b. Realized gains (losses) on available-for-sale securities ........................ | ///////////////// |RIAD 3196| 11,887|6.b.
| ///////////////// |------------------
7. Noninterest expense: | ///////////////// |
a. Salaries and employee benefits .................................................. | 4135 131,069 | 7.a.
b. Expenses of premises and fixed assets (net of rental income) | ///////////////// |
(excluding salaries and employee benefits and mortgage interest) ................ | 4217 49,541 | 7.b.
c. Other noninterest expenses* ..................................................... | 4092 150,114 | 7.c.
| ///////////////// |------------------
d. Total noninterest expense (sum of items 7.a through 7.c) ........................ | ///////////////// |RIAD 4093|330,924|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|134,524|8.
9. Applicable income taxes (on item 8) ................................................ | ///////////////// |RIAD 4302| 46,715|9.
| ///////////////// |------------------
10.Income (loss) before extraordinary items and other adjustments (item 8 minus 9) .... | ///////////////// |RIAD 4300| 87,809|10.
---------------------------------------
- --------------
*Describe on Schedule RI-R--Explanations.
4
Legal Title of Bank: Norwest Bank Colorado, N.A.
Address: 1740 Broadway
City, State Zip: Denver, CO 80274-8604
FDIC Certificate No.: |0|3|0|1|1|
-----------
Call Date: 12/31/96 ST-BK: 08-0510 FFIEC 031
Page RI-3
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 87,809 12.
------------------------------------------------
----
I481
--------------
Memoranda Year-to-date
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 171 M.1.
2. Income from the sale and servicing of mutual funds and annuities in domestic offices ////////////////////
(included in Schedule RI. item 8) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8431 424 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 3,607 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 1 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 0 M.9.a.
b. Net (increase) decrease to interest expense . . . . . . . . . . . . . . . . . . . . . . . 8762 (10,336) M.9.b.
c. Other (noninterest) allocations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8763 0 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: Norwest Bank Colorado, N.A.
Address: 1740 Broadway
City, State Zip: Denver, CO 80274-8604
FDIC Certificate No.: |0|3|0|1|1|
-----------
Call Date: 12/31/96 ST-BK: 08-0510 FFIEC 031
Page RI-4
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 375,906 1.
2. Equity capital adjustments from amended Reports of Income, net* . . . . . . . . . . . . . . . 3216 0 2.
3. Amended balance end of previous calendar year (sum of items 1 and 2). . . . . . . . . . . . . 3217 375,906 3.
4. Net income (loss) (must equal Schedule RI, item 12). . . . . . . . . . . . . . . . . . . . . 4340 87,809 4.
5. Sale, conversion, acquisition, or retirement of capital stock, net. . . . . . . . . . . . . . 4346 4,479 5.
6. Changes incident to business combinations, net . . . . . . . . . . . . . . . . . . . . . . . 4356 5,448 6.
7. LESS: Cash dividends declared on preferred stock. . . . . . . . . . . . . . . . . . . . . . 4470 0 7.
8. LESS: Cash dividends declared on common stock . . . . . . . . . . . . . . . . . . . . . . . 4460 59,000 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 (17,202) 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 0 13.
14. Total equity capital end of current period (sum of items 3 through 13) (must equal ////////////////////
Schedule RC, item 28) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3210 397,440 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 1,355 4661 2,705 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 153 4665 90 3.
4. Commercial and industrial loans: ///////////////////// ////////////////////
a. To U.S. addressees (domicile). . . . . . . . . . . . . . . . . 4645 4,176 4617 2,160 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 0 4666 0 5.a.
b. Other (includes single payment, installment, and all student ///////////////////// ////////////////////
loans). . . . . . . . . . . . . . . . . . . . . . . . . . . . 4657 15,608 4667 2,432 5.b.
6. Loans to foreign governments and official institutions . . . . . . 4643 0 4627 0 6.
7. All other loans. . . . . . . . . . . . . . . . . . . . . . . . . . 4644 1,446 4628 456 7.
8. Lease financing receivables: ///////////////////// ////////////////////
a. Of U.S. addressees (domicile). . . . . . . . . . . . . . . . . 4658 0 4668 49 8.a.
b. Of non-U.S. addressees (domicile). . . . . . . . . . . . . . . 4659 0 4669 0 8.b.
9. Total (sum of items 1 through 8) . . . . . . . . . . . . . . . . . 4635 22,738 4605 7,892 9.
-------------------------------------------
6
Call Date: 12/31/96 ST-BK: 08-0510 FFIEC 031
Page RI-5
Legal Title of Bank: Norwest Bank Colorado, N.A.
Address: 1740 Broadway
City, State, Zip: Denver, CO 80274-8604
FDIC Certificate No.: |0|3|0|1|1|
Schedule RI-B--Continued
Part I. Continued
---------------------------------------
(Column A) (Column B)
Charge-offs Recoveries
---------------------------------------
Memoranda Calendar year-to-date
---------------------------------------
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 0 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 211 3583 499 M.5.a.
b. Secured by farmland .................................................. 3584 0 3585 48 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 294 5412 44 M.5.c.(1)
(2) All other loans secured by 1-4 family residential properties ..... 5413 688 5414 938 M.5.c.(2)
d. Secured by multifamily (5 or more) residential properties ............ 3588 0 3589 0 M.5.d.
e. Secured by nonfarm nonresidential properties ......................... 3590 162 3591 1,176 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 81,711 1.
2. Recoveries (must equal part I, item 9, column 8 above) ......................................... 4605 7,892 2.
3. LESS: Charge-offs (must equal part I, item 9, column A above) ................................. 4635 22,738 3.
4. Provision for loan and lease losses (must equal Schedule RI, item 4.a) ......................... 4230 8,946 4.
5. Adjustments* (see instructions for this schedule) .............................................. 4815 7,275 5.
6. Balance end of current period (sum of items 1 through 5) (must equal Schedule RC, //////////////////
item 4.b) ...................................................................................... 3123 83,086 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 46,715 1.
2. State and local ................................................................................ 4790 0 2.
3. Foreign ........................................................................................ 4795 0 3.
4. Total (sum of items 1 through 3) (must equal sum of Schedule RI, items 9 and 11.b) ............. 4770 46,715 4.
----------------------------
5. Deferred portion of item 4 ...........................................RIAD 4772 17,874 ////////////////// 5.
------------------------------------------------
7
Call Date: 12/31/96 ST-BK: 08-0510 FFIEC 031
Page RI-6
Legal Title of Bank: Norwest Bank Colorado, N.A.
Address: 1740 Broadway
City, State, Zip: Denver, CO 80274-8604
FDIC Certificate No.: |0|3|0|1|1|
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 N/A 1.a.
b. Interest expense booked .................................................................... 4838 N/A 1.b.
c. Net interest income booked at foreign offices, Edge and Agreement subsidiaries, and //////////////////
IBFs (item 1.a minus 1.b) .................................................................. 4839 N/A 1.c.
2. Adjustments for booking location of international operations: //////////////////
a. Net interest income attributable to international operations booked at domestic offices .... 4840 N/A 2.a.
b. Net interest income attributable to domestic business booked at foreign offices ............ 4841 N/A 2.b.
c. Net booking location adjustment (item 2.a minus 2.b) ....................................... 4842 N/A 2.c.
3. Noninterest income and expense attributable to international operations: //////////////////
a. Noninterest income attributable to international operations ................................ 4097 N/A 3.a.
b. Provision for loan and lease losses attributable to international operations ............... 4235 N/A 3.b.
c. Other noninterest expense attributable to international operations ......................... 4239 N/A 3.c.
d. Net noninterest income (expense) attributable to international operations (item 3.a minus //////////////////
3.b and 3.c) ............................................................................... 4843 N/A 3.d.
4. Estimated pretax income attributable to international operations before capital allocation //////////////////
adjustment (sum of items 1.c, 2.c, and 3.d) .................................................... 4844 N/A 4.
5. Adjustment to pretax income for internal allocations to international operations to reflect //////////////////
the effects of equity capital on overall bank funding costs .................................... 4845 N/A 5.
6. Estimated pretax income attributable to international operations after capital allocation //////////////////
adjustment (sum of items 4 and 5) .............................................................. 4846 N/A 6.
7. Income taxes attributable to income from international operations as estimated in item 6 ....... 4797 N/A 7.
8. Estimated net income attributable to international operations (item 6 minus 7) ................. 4341 N/A 8.
------------------
Memoranda ------------------
Dollar Amounts in Thousands RIAD Bil Mil Thou
- -------------------------------------------------------------------------------------------------------------------------
1. Intracompany interest income included in item 1.a above ........................................ 4847 N/A M.1.
2. Intracompany interest expense included in item 1.b above ....................................... 4848 N/A M.2.
------------------
Part II. Supplementary Details on 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 N/A 1.
2. Interest expense booked at IBFs ................................................................ 4850 N/A 2.
3. Noninterest Income attributable to international operations booked at domestic offices //////////////////
(excluding IBFs): //////////////////
a. Gains (losses) and extraordinary items ..................................................... 5491 N/A 3.a.
b. Fees and other noninterest income .......................................................... 5492 N/A 3.b.
4. Provision for loan and lease losses attributable to international operations booked at domestic //////////////////
offices (excluding IBFs) ....................................................................... 4852 N/A 4.
5. Other noninterest expense attributable to international operations booked at domestic offices //////////////////
(excluding IBFs) ............................................................................... 4853 N/A 5.
8
Legal Title of Bank: Norwest Bank Colorado, N.A. Call Date: 12/31/96
Address: 1740 Broadway ST-BK: 08-0510
City, State Zip: Denver, CO 80274-8604 FFIEC 031
FDIC Certificate No.: 03011 Page RI-7
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 Scheudle RI. (See instructions for
details.)
---------- |< -
I495 |
-------------- |
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 ATM Processsing Revenue | 4461 2,672 | 1.d.
-------------------------------------------------------------------------------------- | |
e. TEXT 4462 | 4462 | 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 Computer Processing Fees | 4464 12,237 | 2.e.
-------------------------------------------------------------------------------------- | |
f. TEXT 4467 Forward Contract fees | 4467 10,336 | 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 | 4492 | 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: Norwest Bank Colorado, N.A. Call Date: 12/31/96
Address: 1740 Broadway ST-BK: 08-0510
City, State Zip: Denver, CO 80274-8604 FFIEC 031
FDIC Certificate No.: 03011 Page RI-8
--------------
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 | 4498 | 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 Merge of assets 1/96 and 7/96 | 4521 7,275 | 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: Norwest Bank Colorado, N.A. Call Date: 12/31/96 ST-BK: 08-0510 FFIEC 031
Address: 1740 Broadway Page RC-1
City, State Zip: Denver, CO 80274-8604
FDIC Certificate No.: 0 3 0 1 1
Consolidated Report of Condition for Insured Commercial and State-Chartered
Savings Banks for December 31, 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 911,301 1.a.
b. Interest-bearing balances(2). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0071 250 1.b.
2. Securities: //////////////////
a. Held-to-maturity securities (from Schedule RC-B, column A). . . . . . . . . . . . . . . . 1754 0 2.a.
b. Available-for-sale securities (from Schedule RC-B, column D). . . . . . . . . . . . . . . 1773 2,242,845 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 570,505 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 3,949,963 ////////////////// 4.a.
b. LESS: Allowance for loan and lease losses . . . . . . . . . . . . RCFD 3123 83,086 ////////////////// 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 3,866,877 4.d.
5. Trading assets (from Schedule RC-D) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3545 0 5.
6. Premises and fixed assets (including capitalized leases). . . . . . . . . . . . . . . . . . . 2145 111,612 6.
7. Other real estate owned (from Schedule RC-M). . . . . . . . . . . . . . . . . . . . . . . . . 2150 428 7.
8. Investments in unconsolidated subsidiaries and associated companies (from Schedule RC-M). . . 2130 0 8.
9. Customers' liability to this bank on acceptances outstanding. . . . . . . . . . . . . . . . . 2155 2,367 9.
10. Intangible assets (from Schedule RC-M). . . . . . . . . . . . . . . . . . . . . . . . . . . . 2143 119 10.
11. Other assets (from Schedule RC-F) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2160 150,031 11.
12. Total assets (sum of items 1 through 11). . . . . . . . . . . . . . . . . . . . . . . . . . . 2170 7,856,335 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: Norwest Bank Colorado, N.A. Call Date: 12/31/96 ST-BK: 08-0510 FFIEC 031
Address: 1740 Broadway Page RC-2
City, State Zip: Denver, CO 80174-8604
FDIC Certificate No.: 0 3 0 1 1
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 7,041,294 13.a.
------------------------
(1) Noninterest-bearing(1) . . . . . . . . . . . . . . . . . RCON 6631 2,291,735 /////////////////////// 13.a.(1)
(2) Interest-bearing . . . . . . . . . . . . . . . . . . . . RCON 6636 4,749,559 /////////////////////// 13.a.(2)
------------------------
b. In foreign offices, Edge and Agreement subsidiaries, and IBFs (from Schedule RC-E, ///////////////////////
part II). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RCFN 2200 145,559 13.b.
------------------------
(1) Noninterest-bearing. . . . . . . . . . . . . . . . . . . RCFN 6631 0 /////////////////////// 13.b.(1)
(2) Interest-bearing . . . . . . . . . . . . . . . . . . . . RCFN 6636 145,559 /////////////////////// 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 77,435 14.a.
b. Securities sold under agreements to repurchase. . . . . . . . . . . . . . . . . . . . . RCFD 0279 21,240 14.b.
15. a. Demand notes issued to the U.S. Treasury. . . . . . . . . . . . . . . . . . . . . . . . RCON 2840 0 15.a.
b. Trading liabilities (from Schedule RC-D). . . . . . . . . . . . . . . . . . . . . . . . RCFD 3548 3 15.b.
16. Other borrowed money: ///////////////////////
a. With a remaining maturity of one year or less . . . . . . . . . . . . . . . . . . . . . RCFD 2332 12,918 16.a.
b. With a remaining maturity of more than one year . . . . . . . . . . . . . . . . . . . . RCFD 2333 0 16.b.
17. Mortgage indebtedness and obligations under capitalized leases. . . . . . . . . . . . . . . RCFD 2910 194 17.
18. Bank's liability on acceptances executed and outstanding. . . . . . . . . . . . . . . . . . RCFD 2920 2,367 18.
19. Subordinated notes and debentures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RCFD 3200 42,000 19.
20. Other liabilities (from Schedule RC-G). . . . . . . . . . . . . . . . . . . . . . . . . . . RCFD 2930 115,885 20.
21. Total liabilities (sum of items 13 through 20). . . . . . . . . . . . . . . . . . . . . . . RCFD 2948 7,458,895 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 100,000 24.
25. Surplus (exclude all surplus related to preferred stock). . . . . . . . . . . . . . . . . . RCFD 3839 204,057 25.
26. a. Undivided profits and capital reserves. . . . . . . . . . . . . . . . . . . . . . . . . RCFD 3632 89,762 26.a.
b. Net unrealized holding gains (losses) on available-for-sale securities. . . . . . . . . RCFD 8434 3,621 26.b.
27. Cumulative foreign currency translation adjustments . . . . . . . . . . . . . . . . . . . . RCFD 3284 0 27.
28. Total equity capital (sum of items 23 through 27) . . . . . . . . . . . . . . . . . . . . . RCFD 3210 397,440 28.
29. Total liabilities, limited-life preferred stock, and equity capital (sum of items 21, 22, ///////////////////////
and 28) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RCFD 3300 7,856,335 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 most
comprehensive level of auditing work performed for Number
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
Call Date: 12/31/96 ST-BK. 08-0510 FFIEC 031
Page RC-3
Legal Title of Bank: Norwest Bank Colorado, N.A.
Address: 1740 Broadway
City, State Zip: Denver, CO 80274-8604
FDIC Certificate No.: 03011
Schedule RC-A--Cash and Balances Due From Depository Institutions
Excludes 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 847,914 1.
a. Cash items in process of
collection and unposted
debits..................... 0020 701,786 1.a.
b. Currency and coin.......... 0080 146,128 1.b.
2. Balances due from depository
institutions in the U.S....... 0082 24,662 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 24,662 2.b.
3. Balances due from banks in
foreign countries and foreign
central banks................. 0070 252 3.
a. Foreign branches of other
U.S. banks................. 0073 0 3.a.
b. Other banks in foreign
countries and foreign
central banks.............. 0074 252 3.b.
4. Balances due from Federal
Reserve Banks................. 0090 38,723 0090 38,723 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 911,551 0010 911,551 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 24,662 M.l.
-----------------
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 36,745 1287 36,903 1.
2. U.S. Government agency
and corporation
obligations (exclude
mortgage-backed
securities):
a. Issued by U.S. Govern-
ment agencies(2)...... 1289 0 1290 0 1291 68 1293 69 2.a.
b. Issued by U.S.
Government-sponsored
agencies(3)........... 1294 0 1295 0 1297 10,333 1298 10,235 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.
11
Call Date: 12/31/96 ST-BK. 08-0510 FFIEC 031
Page RC-4
Legal Title of Bank: Norwest Bank Colorado, N.A.
Address: 1740 Broadway
City, State Zip: Denver, CO 80274-8604
FDIC Certificate No.: 03011
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 0 1677 0 1678 22,247 1679 22,810 3.a.
b. Revenue obligations...... 1681 0 1686 0 1690 14,229 1691 14,531 3.b.
c. Industrial development
and similar
obligations.............. 1694 0 1695 0 1696 0 1697 0 3.c.
4. Mortgage-backed
securities (MBS):
a. Pass-through securities:
(1) Guaranteed by
GNMA................. 1698 0 1699 0 1701 127,509 1702 129,224 4.a(1)
(2) Issued by FNMA
and FHLMC............ 1703 0 1705 0 1706 2,004,422 1707 2,007,345 4.a(2)
(3) Other pass-through
securities........... 1709 0 1710 0 1711 3,353 1713 3,353 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 2,667 1717 2,640 4.b(1)
(2) Collateralized by MBS
issued or guaranteed
by FNMA, FHLMC, or
GNMA................. 1718 0 1719 0 1731 989 1732 1,028 4.b.(2)
(3) All other mortgage-
backed securities.... 1733 0 1734 0 1735 1,268 1736 1,268 4.b.(3)
5. Other debt securities:
a. Other domestic debt
securities............... 1737 0 1738 0 1739 3,529 1741 3,528 5.a.
b. Foreign debt securities.. 1742 0 1743 0 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 822 1751 818 6.b.
c. All other equity
securities(1)............ 1752 9,093 1753 9,093 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 0 1771 0 1772 2,237,274 1773 2,242,845 7.
---------------------------------------------------------------------------------
- ----------------
(1) Includes equity securities without readily determinable fair values at
historical cost in item 6.c, column D.
14
Legal Title of Bank: Norwest Bank Colorado, N.A. Call Date: 12/31/96 ST-BK:08-0510 FFIEC 031
Address: 1740 Broadway Page RC-5
City, State Zip Denver, CO 80274-8604
FDIC Certificate No.: 0 3 0 1 1
---------
SCHEDULE RC-B--CONTINUED
Memoranda
C412
Dollar Amounts in Thousands RCFD Bil Mil Thou
- ----------------------------------------------------------------------------------------------------------------------------------
1. Pledged securities(2)............................................................................ 0416 98,425 M.1.
2. Maturity and repricing data for debt securities (2), (3), (4) (exclusing those in //////////////////
nonaccrual status): //////////////////
a. Fixed rate debt securities with a remaining maturity of: //////////////////
(1) Three months or less.................................................................. 0343 5,813 M.2.a.(1)
(2) Over three months through 12 months................................................... 0344 38,935 M.2.a.(2)
(3) Over one year through five years...................................................... 0345 32,664 M.2.a.(3)
(4) Over five years....................................................................... 0346 1,957,803 M.2.a.(4)
(5) Total fixed rate debt securities (sum of Memorandum items 2.a.(1) through 2.a.(4)..... 0347 2,035,215 M.2.a.(5)
b. Floating rate debt securities with a repricing frequency of: /////////////////
(1) Quarterly or more frequently.......................................................... 4544 128,815 M.2.b.(1)
(2) Annually or more frequently, but less frequently than quarterly....................... 4545 68,904 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 197,719 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 2,232,934 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 1,504 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 996 M.8.a.
b. Fair value................................................................................. 8781 1,001 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 2,631 M.9.a.
b. Fair value................................................................................. 8783 2,598 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: Norwest Bank Colorado, N.A. Call Date: 12/31/96 ST-BK:08-0510 FFIEC 031
Address: 1740 Broadway Page RC-6
City, State Zip Denver, CO 80274-8604
FDIC Certificate No.: 0 3 0 1 1
---------
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 C415
reported in this schedule. Report total loans and leases, net of unearned -----------------------------------
income. Exclude assets held 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 1,750,477 ///////////////// 1.
a. Construction and land development...................................... ///////////////// 1415 167,237 1.a.
b. Secured by farmland (including farm residential and other ///////////////// /////////////////
improvements).......................................................... ///////////////// 1420 25,866 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 141,692 1.c.(1)
(2) All other loans secured by 1-4 family residential properties: ///////////////// /////////////////
(a) Secured by first liens........................................ ///////////////// 5367 489,929 1.c.(2)(a)
(b) Secured by junior liens....................................... ///////////////// 5368 447,308 1.c.(2)(b)
d. Secured by multifamily (5 or more) residential properties.............. ///////////////// 1460 25,882 1.d.
e. Secured by nonfarm nonresidential properties........................... ///////////////// 1480 452,563 1.e.
2. Loans to depository institutions: ///////////////// /////////////////
a. To commercial banks in the U.S......................................... ///////////////// 1505 100,320 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 100,320 ///////////////// 2.a.(2)
b. To other depository institutions in the U.S............................ 1517 8,251 1517 8,251 2.b.
c. To banks in foreign countries.......................................... ///////////////// 1510 463 2.c.
(1) To foreign branches of other U.S. banks............................ 1513 0 ///////////////// 2.c.(1)
(2) To other banks in foreign countries................................ 1516 463 ///////////////// 2.c.(2)
3. Loans to finance agricultural production and other loans to farmers......... 1590 88,278 1590 88,278 3.
4. Commerical and industrial loans: ///////////////// /////////////////
a. To U.S. addresses (domicile)........................................... 1763 617,664 1773 617,664 4.a.
b. To non-U.S. addresses (domicile)....................................... 1764 24 1764 24 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 1,254,582 6.
a. Credit cards and related plans (includes check credit and other ///////////////// /////////////////
revolving credit plans)................................................ 2008 95,825 ///////////////// 6.a.
b. Other (includes single payment, installment, and all student loans).... 2011 1,158,756 ///////////////// 6.b.
7. Loans to foreign governments and official institutions (including ///////////////// /////////////////
foreign central banks)...................................................... 2081 0 2081 0 7.
8. Obligations (other than securities and leases) of states and political ///////////////// /////////////////
subdivisions in the U.S. (includes nonrated industrial development ///////////////// /////////////////
obligations................................................................. 2107 12,776 2107 12,776 8.
9. Other loans................................................................. 1563 118,302 ///////////////// 9.
a. Loans for purchasing or carrying securities (secured and unsecured).... ///////////////// 1545 10,481 9.a.
b. All other loans (exclude consumer loans)............................... ///////////////// 1564 107,821 9.b.
10. Lease financing receivables (net of unearned income)........................ ///////////////// 2165 193 10.
a. Of U.S. addresses (domicile)........................................... 2182 193 ///////////////// 10.a.
b. Of non-U.S. addresses (domicile)....................................... 2183 0 ///////////////// 10.b.
11. LESS: Any unearned income on loans reflected in items 1-9 above............. 2122 1,366 2123 1,366 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 3,949,963 2122 3,949,963 12.
------------------------------------
------------------------------------
16
Legal Title of Bank: Norwest Bank Colorado, N.A. Call Date: 12/31/96
Address: 1740 Broadway ST-BK: 08-0510
City, State Zip: Denver, CO 80274-8604 FFIEC 031
FDIC Certificate No.: |0|3|0|1|1| Page RC-7
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. addresses (domicile)..........................................| 1687 0 | M.2.a.(1)
(2) To non-U.S. addresses (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 769,266 | M.3.a.(1)
(2) Over three months through 12 months...................................| 0349 142,075 | M.3.a.(2)
(3) Over one year through five years......................................| 0356 1,075,154 | M.3.a.(3)
(4) Over five years.......................................................| 0357 774,263 | M.3.a.(4)
(5) Total fixed rate loans and leases (sum of Memorandum | ////////////////// |
items 3.a.(1) through 3.a.(4))........................................| 0358 2,760,758 | M.3.a.(5)
b. Floating rate loans with a repricing frequency of: | ////////////////// |
(1) Quarterly or more frequently..........................................| 4554 1,075,792 | M.3.b.(1)
(2) Annually or more frequently, but less frequently than quarterly.......| 4555 19,195 | M.3.b.(2)
(3) Every five years or more frequently, but less frequently than | ////////////////// |
annually..............................................................| 4561 0 | M.3.b.(3)
(4) Less frequently than every five years.................................| 4564 0 | M.3.b.(4)
(5) Total floating rate loans (sum of Memorandum items 3.b.(1) | ////////////////// |
through 3.b.(4))......................................................| 4567 1,094,987 | 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 3,855,745 | 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 0 | 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 0 | 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 | ////////////////// |--------------------
residential properties (included in Schedule RC-C, part I, item 1.c.(2)(a), | ////////////////// | RCON Bil Mil Thou |
| ////////////////// |--------------------
column B, page RC-6..........................................................| ////////////////// | 5372 190,730 | 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: Norwest Bank Colorado, N.A. Call Date: 12/31/96
Address: 1740 Broadway ST-BK: 08-0510
City, State Zip: Denver, CO 80274-8604 FFIEC 031
FDIC Certificate No.: |0|3|0|1|1| Page RC-8
-----------
SCHEDULE RC-D--TRADING ASSETS AND LIABILITIES
Schedule RC-D is to be ocmpleted 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............................................................| RCFN 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)............| RCFD 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 3 | 14.
15. Total trading liabilities (sum of items 13 and 14) (must equal Schedule RC, item 15.b).......| RCFD 3548 3 | 15.
----------------------
18
Call Date: 12/31/96 ST-BK: 08-0510 FFIEC 031
Page RC-9
Legal Title of Bank: Norwest Bank Colorado, N.A.
Address: 1740 Broadway
City, State, Zip: Denver, CO 80274-8604
FDIC Certificate No.: |0|3|0|1|1|
-----------
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 2,487,964 2240 1,877,697 2346 3,851,993 1.
2. U.S. Government ........................................ 2202 17,805 2280 17,805 2520 0 2.
3. States and political subdivisions in the U.S. .......... 2203 207,814 2290 131,622 2530 69,246 3.
4. Commercial banks in the U.S. ........................... 2206 172,390 2310 172,390 2550 0 4.
5. Other depository institutions in the U.S. .............. 2207 7,490 2312 7,490 2349 0 5.
6. Banks in foreign countries ............................. 2213 29,119 2320 29,119 2236 0 6.
7. Foreign governments and official institutions ////////////////// ////////////////// //////////////////
(including foreign central banks) ...................... 2216 0 2300 0 2377 141,861 7.
8. Certified and official checks .......................... 2330 55,612 2330 55,612 ////////////////// 8.
9. Total (sum of items 1 through 8) (sum of ////////////////// ////////////////// //////////////////
columns A and C must equal Schedule RC, ////////////////// ////////////////// //////////////////
item 13.a) ............................................. 2215 2,978,194 2210 2,291,735 2385 4,063,100 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 228,106 M.1.a.
b. Total brokered deposits .................................................................... 2365 0 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 0 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 0 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 0 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 0 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 235,982 M.1.a.
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 1,612,646 M.2.a.(1)
(2) Other savings deposits (excludes MMDAs) ............................................... 0352 1,049,547 M.2.a.(2)
b. Total time deposits of less than $100,000 .................................................. 6648 1,021,287 M.2.b.
c. Time certificates of deposits of $100,000 or more .......................................... 6645 237,753 M.2.c.
d. Open-account time deposits of $100,000 or more ............................................. 6646 141,861 M.2.d.
3. All NOW accounts (included in Column A above) .................................................. 2398 675,004 M.3.
--------------------
4. Not applicable
19
Call Date: 12/31/96 ST-BK: 08-0510 FFIEC 031
Page RC-10
Legal Title of Bank: Norwest Bank Colorado, N.A.
Address: 1740 Broadway
City, State, Zip: Denver, CO 80274-8604
FDIC Certificate No.: |0|3|0|1|1|
-----------
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 245,097 M.5.a.(1)
(2) Over three months through 12 months ................................................... A226 507,418 M.5.a.(2)
(3) Over one year ......................................................................... A227 268,772 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 253,192 M.6.a.(1)
(2) Over three months through 12 months ................................................... A233 98,004 M.6.a.(2)
(3) Over one year through five years ...................................................... A234 27,961 M.6.a.(3)
(4) Over five years ....................................................................... A235 463 M.6.a.(4)
b. Floating rate time deposits of less than $100,000 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: Norwest Bank Colorado, N.A. Call Date: 12/31/96 ST-BK: 08-0510 FFIEC 031
Address: 1740 Broadway Page RC-11
City, State Zip: Denver, CO 80274-8604
FDIC Certificate No.: 03011
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 145,559 1.
2. U.S. banks (including IBFs and foreign branches of U.S. banks). . . . . . . . . . . . . . . . 2623 0 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 145,559 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 10,052 M.1.
---------------------
Schedule RC-F--Other Assets
---------
C430 < -
----------------------
Dollar Amounts in Thousands ////// Bil Mil Thou
- -------------------------------------------------------------------------------------------------------------------------
1. Income earned, not collected on loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . RCFD 2164 22,256 1.
2. Net deferred tax assets (1) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RCFD 2148 39,036 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 88,739 4.
------------
a. TEXT 3549 Accrued Inc Rec Pass-thru securities RCFD 3549 12,504 ///////////////////// 4.a.
-----------------------------------------------------------------------------------------------
b. TEXT 3550 Accrued Inc Rec Assetbacked securities RCFD 3550 9,460 ///////////////////// 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 150,031 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 Liablities
---------
C435 < -
---------------------
Dollar Amounts in Thousands ///// Bil Mil Thou
- -------------------------------------------------------------------------------------------------------------------------
1. a. Interest accrued and unpaid on deposits in domestic offices(2). . . . . . . . . . . . . . RCON 3645 18,281 1.a.
b. Other expenses accrued and unpaid (includes accured income taxes payable) . . . . . . . . RCFD 3646 79,337 1.b.
2. Net deferred tax liabilities(1) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RCFD 3049 0 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 18,267 4.
a. TEXT 3552 Accrued Post Retirement Medical RCFD 3552 6,675 ///////////////////// 4.a.
b. TEXT 3553 RCFD 3553 ///////////////////// 4.b.
c. TEXT 3554 RCFD 3554 ///////////////////// 4.c.
5. Total (sum of items 1 thorugh 4) (must equal Schedule RC, item 20). . . . . . . . . . . . . . RCFD 2930 115,885 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: Norwest Bank Colorado, N.A. Call Date: 12/31/96 ST-BK: 08-0510 FFIEC 031
Address: 1740 Broadway Page RC-12
City, State Zip: Denver, CO 80274-8604
FDIC Certificate No.: 03011
Schedule RC-H--Selected Balance Sheet Items for Domestic Offices
--------
C440 < -
---------------------
Domestic Offices
---------------------
Dollar Amounts in Thousands RCON Bil Mil Thou
- -------------------------------------------------------------------------------------------------------------------------
1. Customers' liability to this bank on acceptances outstanding. . . . . . . . . . . . . . . . . 2155 2,367 1.
2. Bank's liability on acceptances executed and outstanding. . . . . . . . . . . . . . . . . . . 2920 2,367 2.
3. Federal funds sold and securities purchased under agreements to resell. . . . . . . . . . . . 1350 570,505 3.
4. Federal funds purchased and securities sold under agreements to repurchase. . . . . . . . . . 2800 98,675 4.
5. Other borrowed money. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3190 12,913 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 145,559 7.
8. Total assets (excludes net due from foreign offices, Edge and Agreement subsidiaries, and /////////////////////
IBFs) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2192 7,856,335 8.
9. Total liabilities (excludes net due to foreign offices, Edge and Agreement subsidiaries, and /////////////////////
IBFs) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3129 6,891,407 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 36,903 10.
11. U.S. Government agency and corporation obligations (exclude mortgage-backed /////////////////////
securities) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1785 10,304 11.
12. Securities issued by states and political subdivisions in the U.S. . . . . . . . . . . . . . 1786 37,341 12.
13. Mortgage-backed securities (MBS): /////////////////////
a. Pass-through securities:
(1) Issued or guaranteed by FNMA, FHLMC, or GNMA. . . . . . . . . . . . . . . . . . . . . 1787 2,136,569 13.a.(1)
(2) Other pass-through securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1869 3,353 13.a.(2)
b. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS): /////////////////////
(1) Issued or guaranteed by FNMA, FHLMC, or GNMA. . . . . . . . . . . . . . . . . . . . . 1877 2,640 13.b.(1)
(2) All other mortgage-backed securities. . . . . . . . . . . . . . . . . . . . . . . . . 2253 2,296 13.b.(2)
14. Other domestic debt securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3159 3,528 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 818 16.b.
c. All other equity securities. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3169 9,093 16.c.
17. Total held-to-maturity and available-for-sale securities (sum of items 10 through 16). . . . 3170 2,242,845 17.
---------------------
Memorandum (to be completed only by banks with IBFs and other "foreign" offices)
---------------------
Dollar Amounts in Thousands RCON Bil Mil Thou
- -------------------------------------------------------------------------------------------------------------------------
EITHER /////////////////////
18. Net due from the IBF of the domestic offices of the reporting bank . . . . . . . . . . . . . 3051 397 M.1.
OR /////////////////////
19. Net due to the IBF of the domestic offices of the reporting bank . . . . . . . . . . . . . . 3059 N/A M.2.
22
Call Date: 12/31/96 ST-BK. 08-0510 FFIEC 031
Page RC-13
Legal Title of Bank: Norwest Bank Colorado, N.A.
Address: 1740 Broadway
City, State Zip: Denver, CO 80274-8604
FDIC Certificate No.: 03012
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 397 | 1.
| //////////////// |
2. Total IBF loans and lease financing receivable | //////////////// |
(component of Schedule RC-C, part I, item 12, | //////////////// |
Column A)........................................ | 2076 0 | 2.
| //////////////// |
3. IBF commercial and industrial loans (component | //////////////// |
of Schedule RC-C, part I, item 4, column A)...... | 2077 0 | 3.
| //////////////// |
4. Total IBF liabilities (component of Schedule RC, | //////////////// |
item 21)......................................... | 2898 0 | 4.
| //////////////// |
5. IBF deposit liabilities due to banks, including | //////////////// |
other IBFs (component of Schedule RC-E, part II, | //////////////// |
items 2 and 3)................................... | 2379 0 | 5.
| //////////////// |
6. Other IBF deposit liabilities (component of | //////////////// |
Schedule RC-E, part II, items 1, 4, 5, and 6).... | 2381 0 | 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 1,248 | 1.
| /////////////////// |
2. U.S. Treasury securities and U.S. Government | /////////////////// |
agency and corporation obligations(2).........| RCFD 3382 2,541,237 | 2.
| /////////////////// |
3. Securities issued by states and political | /////////////////// |
subdivisions in the U.S. (2)..................| RCFD 3383 46,790 | 3.
| /////////////////// |
4. a. Other debt securities(2)...................| RCFD 3647 9,556 | 4.a.
b. Equity securities(3) (includes investments | /////////////////// |
in mutual funds and Federal Reserve stock) | RCFD 3648 9,969 | 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 581,458 | 5.
| /////////////////// |
6. Loans: | /////////////////// |
| /////////////////// |
a. Loans in domestic offices: | /////////////////// |
| /////////////////// |
(1) Total loans............................| RCON 3360 3,505,468 | 6.a.(1)
(2) Loans secured by real estate...........| RCON 3385 1,697,938 | 6.a.(2)
(3) Loans to finance agricultural | /////////////////// |
production and other loans to farmers..| RCON 3386 81,950 | 6.a.(3)
(4) Commercial and industrial loans........| RCON 3387 704,741 | 6.a.(4)
(5) Loans to individuals for household, | /////////////////// |
family, and other personal | /////////////////// |
expenditures...........................| RCON 3388 645,138 | 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 187 | 8.
| /////////////////// |
9. Total assets(4)...............................| RCFD 3368 7,413,858 | 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 547,903 | 10.
| /////////////////// |
11. Nontransaction accounts in domestic offices: | /////////////////// |
| /////////////////// |
a. Money market deposit accounts (MMDAs).....| RCON 3486 1,577,003 | 11.a.
b. Other savings deposits....................| RCON 3487 1,082,527 | 11.b.
c. Time certificates of deposits of $100,000 | /////////////////// |
or more...................................| RCON 3345 311,937 | 11.c.
d. All other time deposits...................| RCON 3469 1,211,162 | 11.d.
| /////////////////// |
12. Interest-bearing deposits in foreign offices,| /////////////////// |
Edge and Agreement subsidiaries, and IBPs....| RCFN 3404 114,287 | 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 IBPs........ | RCFD 3353 116,357 | 13.
| /////////////////// |
14. Other borrowed money....................... | RCFD 3355 11,229 | 14.
--------------------
- ---------------
(1) For all items, banks have the option of reporting either (1) an average
of daily figures for the quarter, or an average of weekly figures (i.e.,
the Wednesday of each week of the quarter).
(2) Quarerly averages for all debt securities should be based on amortized
cost.
(3) Quarterly averages for all equity securities should be based on
historical cost.
(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 value at historical cost.
23
Call Date: 12/31/96 ST-BK. 08-0510 FFIEC 031
Page RC-14
Legal Title of Bank: Norwest Bank Colorado, N.A.
Address: 1740 Broadway
City, State Zip: Denver, CO 80274-8604
FDIC Certificate No.: 03012
SCHEDULE RC-L--OFF-BALANCE SHEET ITEMS
PLEASE READ CAREFULLY THE INSTRUCTIONS FOR THE PREPARATION OF THE SCHEDULE
RC-L. SOME OF THE AMOUNTS REPORTED IN SCHEDULE RC-L ARE REGARDED AS VOLUME
INDICATORS AND NOT NECESSARILY AS MEASURES 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 188,786 | 1.a.
b. Credit card lines............................. | 3815 0 | 1.b.
c. Commercial real estate, construction, and | /////////////// |
land development: | /////////////// |
| /////////////// |
(1) Commitments to fund loans secured by real | /////////////// |
estate.................................... | 3816 128,457 | 1.c.(1)
(2) Commitment to fund loans not secured by | /////////////// |
real estate............................... | 6550 76 | 1.c.(2)
d. Securities underwriting....................... | 3817 0 | 1.d.
e. Other unused commitments...................... | 3818 1,479,818 | 1.e.
| /////////////// |
2. Financial standby letters of credit and foreign | /////////////// |
office guarantees................................ | 3819 37,671 | 2.
| /////////////// |
a. Amount of financial standby letters of credit | /////////////// |
---------------------------| /////////////// |
conveyed to others | RCFD 3820 / 0 | /////////////// | 2.a.
---------------------------| /////////////// |
3. Performance standby letters of credit and foreign | /////////////// |
office guarantees................................ | 3821 7,715 | 3.
| /////////////// |
a. Amount of performance standby letters of | /////////////// |
credit conveyed to others RCFD 3822 / 0 | | 3.a.
| /////////////// |
4. Commercial and similar letters of credit......... | 3411 120 | 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 139,149 | 7.
| /////////////// |
8. Securities lent (including customers' securities | /////////////// |
lent where the customer is indemnified against | /////////////// |
loss by the reporting bank)...................... | 3433 1,059,277 | 6.
| /////////////// |
9. Loan transferred (i.e., sold or swapped) with | /////////////// |
recourse that have been treated as sold for Call | /////////////// |
Report purpose: | /////////////// |
| /////////////// |
a. FNMA and FHLC: residential morgage loan pools: | /////////////// |
(1) Outstanding principal balance of | /////////////// |
mortgages transferred as of the report | /////////////// |
date...................................... | 3650 0 | 9.a.(1)
(2) Amount principal exposure on these | /////////////// |
mortgages as of the report date........... | 3651 0 | 9.a.(2)
b. Private (nongovernment-issues or -guarenteed) | /////////////// |
residential mortgage loan pools: | /////////////// |
(1) Outstanding principal balance of mortgages | /////////////// |
transferred as of the report date......... | 3652 0 | 9.b.(1)
(2) Amount principal exposure on these | /////////////// |
mortgages as of the report date........... | 3653 0 | 9.b.(2)
c. Farmer Mac agricultural mortgages loan pools: | /////////////// |
(1) Outstanding principal balance of mortgages | /////////////// |
transferred as of the report date......... | 3654 0 | 9.c.(1)
(2) Amount principal 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 principal exposure on these | /////////////// |
mortgages 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 32 | 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.
-----------------------------------------------------------------
Legal Title of Bank: Norwest Bank Colorado, N.A. Call Date: 12/31/96 ST-BK:08-0510 FFIEC 001
Address: 1740 Broadway
City, State Zip Denver, CO 80274-8604
FDIC Certificate No.: 0 3 0 1 1
---------
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 0 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
- ----------------------------------------------
Off-balance Sheet Derivatives Contracts Contracts Contracts Other Contracts
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.................... 0 260 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 0 0 0 0 14.d.(1)
----------------- ----------------- ----------------- -----------------
RCFD 8709 RCFD 8710 RCFD 8711 RCFD 8712
----------------- ----------------- ----------------- -----------------
(2) Purchased options 0 0 0 0 14.d.1(2)
----------------- ----------------- ----------------- -----------------
RCFD 8713 RCFD 8714 RCFD 8715 RCFD 8716
----------------- ----------------- ----------------- -----------------
e. Swaps............................... 0 0 0 0 14.e
----------------- ----------------- ----------------- -----------------
RCFD 3450 RCFD 3826 RCFD 8719 RCFD 8720
----------------- ----------------- ----------------- -----------------
15. Total gross notional amount of ///////////////// ///////////////// ///////////////// /////////////////
derivative contracts held for trading.... 0 260 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.......... 0 0 0 0 16.a.
----------------- ----------------- ----------------- -----------------
RCFD 8725 RCFD 8726 RCFD 8727 RCFD 8728
----------------- ----------------- ----------------- -----------------
b. Contracts not marked to market...... 0 0 0 0
----------------- ----------------- ----------------- -----------------
RCFD 8729 RCFD 8730 RCFD 8731 RCFD 8732
----------------- ----------------- ----------------- -----------------
25
Legal Title of Bank: Norwest Bank Colorado, N.A. Call Date: 12/31/96 ST-BK: 08-0510 FFIEC 011
Address: 1740 Broadway Page RC-16
City, State Zip Denver, CO 80274-6604
FDIC Certificate No.: 0 3 0 1 1
---------
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 3 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 0 8742 0 8743 0 8744 0 17.b. (1)
(2) Gross negative //////////////// //////////////// //////////////
fair value................ 8745 0 8746 0 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................ 8745 0 8750 0 8751 0 8752 0 17.c. (1)
(2) Gross negative //////////////// //////////////// ////////////// /////////////////
fair value................ 8753 0 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 1,044,892 M.3.
a. Participations in commitments with an original maturity //////////////
exceeding one year conveyed to others...............................RCFD 3834 212,022 ////////////// 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. addresses (domicile) included in Schedule RC-L, items 2 and 3, above.............. 3377 0 M.4.
5. Installment loans to individuals for household, family, and other personal expenditures that //////////////
have been securitized and sold without resources (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 N/A M.5.a.
b. Credit cards and related plans (TO BE COMPLETED QUARTERLY)................................ 2742 74,949 M.5.b.
c. All other consumer installment credit (including mobile home loans) (to be completed for the //////////////
September report only).................................................................... 2743 N/A M.5.c.
---------------
26
Legal Title of Bank: Norwest Bank Colorado, N.A. Call Date: 12/31/96
Address: 1740 Broadway ST-BK: 08-0510
City, State Zip: Denver, CO 80274-8604 FFIEC 031
FDIC Certificate No.: |0|3|0|1|1| Page RC-17
-----------
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 1,399 | 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 extensions of credit to | ////////////////// |
related interests) equals or exceeds the lesser of $500,000 or 5 percent Number | ////////////////// |
------------------------| ////////////////// |
of total capital as defined for this purpose in agency requlations. | RCFD 6165 | 2 | ////////////////// | 1.b.
------------------------| ////////////////// |
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. addresses (domicile)................................................................... | 2103 2,367 | 5.a.
b. Non-U.S. addresses (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 0 | 6.b.(1)
(2) All other identifiable intangible assets............................................... | 5507 0 | 6.b.(2)
c. Goodwill.................................................................................... | 3163 119 | 6.c.
d. Total (sum of items 6.a through 6.c) (must equal Schedule RC, item 10)...................... | 2143 119 | 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 | 7.
----------------------
- ------------------
(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: Norwest Bank Colorado, N.A. Call Date: 12/31/96
Address: 1740 Broadway ST-BK: 08-0510
City, State Zip: Denver, CO 80274-8604 FFIEC 031
FDIC Certificate No.: |0|3|0|1|1| Page RC-18
-----------
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 428 | 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 0 | 8.a.(2)(e)
(f) In foreign offices......................................................... | RCFN 5513 0 | 8.a.(2)(f)
(3) Total (sum of 8.a.(1) and 8.a.(2)) (must equal Schedule RC, item 7)............. | RCFD 2150 428 | 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 0 | 8.b.(2)
(3) Total (sum of items 8.b.(1) and 8.b.(2)) (must equal Schedule RC, item 8)....... | RCFD 2130 0 | 8.b.(3)
c. Total assets of unconsolidated subsidiaries and associated companies................. | RCFD 5376 0 | 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 1,367,503 | 10.a.
b. Equity securities funds.............................................................. | RCON 8427 0 | 10.b.
c. Debt securities funds................................................................ | RCON 8428 0 | 10.c.
d. Other mutual funds................................................................... | RCON 8429 24,701 | 10.d.
e. Annuities............................................................................ | RCON 8430 13,015 | 10.e.
f. Sales of proprietary mutual funds an annuities (included in items 10.a through | ///////////////////// |
10.e above).......................................................................... | RCON 8784 987,124 | 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 0 | M.1.a.|
| b. Nonreciprocal holdings of banking organizations' capital instruments...................... | 3837 0 | M.1.b.|
| ---------------------- |
- -----------------------------------------------------------------------------------------------------------------------------------
28
Legal Title of Bank: Norwest Bank Colorado, N.A. Call Date: 12/31/96 ST-BK: 08-0510 FFIEC 031
Address: 1740 Broadway Page RC-19
City, State Zip: Denver, CO 80274-8604
FDIC Certificate No.: 03011
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. addresses (domicile) ................. 1245 15,587 1246 564 1247 2,516 1.a.
b. To non-U.S. addresses (domicile) ............. 1248 0 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 0 5378 0 5379 0 2.a.
b. To foreign banks ............................. 5380 0 5381 0 5382 0 2.b.
3. Loans to finance agricultural production and //////////////////// //////////////////// ////////////////////
other loans to farmers .......................... 1594 1,156 1597 797 1583 7 3.
4. Commercial and industrial loans: //////////////////// //////////////////// ////////////////////
a. To U.S. addresses (domicile) ................. 1251 12,299 1252 1,815 1253 1,549 4.a.
b. To non-U.S. addresses (domicile) ............. 1254 0 1255 0 1256 0 4.b.
5. Loans to individuals for household, family, and //////////////////// //////////////////// ////////////////////
other personal expenditures: //////////////////// //////////////////// ////////////////////
a. Credit cards and related plans ............... 5383 1,566 5384 472 5385 0 5.a.
b. Other (includes single payment, installment, //////////////////// //////////////////// ////////////////////
and all student loans) ....................... 5386 15,406 5387 5,173 5388 14 5.b.
6. Loans to foreign governments and official //////////////////// //////////////////// ////////////////////
institutions .................................... 5389 0 5390 0 5391 0 6.
7. All other loans ................................. 5459 98 5460 555 5461 1,498 7.
8. Lease financing receivables: //////////////////// //////////////////// ////////////////////
a. Of U.S. addressees (domicile) ................ 1257 0 1258 0 1259 0 8.a.
b. Of non-U.S. addressees (domicile) ............ 1271 0 1272 0 1791 0 8.b.
9. Debt securities and other assets (exclude other //////////////////// //////////////////// ////////////////////
real estate owned and other repossessed assets).. 3505 0 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.
------------------------------------------------------------------
RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou
------------------------------------------------------------------
10. Loans and leases reported in items 1 //////////////////// //////////////////// ////////////////////
through 8 above which are wholly or partially //////////////////// //////////////////// ////////////////////
guaranteed by the U.S. Government ............... 5612 0 5613 0 5614 0 10.
a. Guaranteed portion of loans and leases //////////////////// //////////////////// ////////////////////
included in item 10 above .................... 5615 0 5616 0 5617 0 10.a.
------------------------------------------------------------------
29
Legal Title of Bank: Norwest Bank Colorado, N.A. Call Date: 12/31/96 ST-BK: 08-0510 FFIEC 031
Address: 1740 Broadway Page RC-20
City, State Zip: Denver, CO 80274-8604
FDIC Certificate No.: 03011
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
Memoranda 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 0 1659 0 1661 0 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 0 6559 0 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 3,908 2769 7 3492 1,138 M.3.a.
b. Secured by farmland .......................... 3493 531 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 1,109 5399 116 5400 29 M.3.c.(1)
(2) All other loans secured by 1-4 family //////////////////// //////////////////// ////////////////////
residential properties .................. 5401 4,998 5402 441 5403 392 M.3.c.(2)
d. Secured by multifamily (5 or more) residential //////////////////// //////////////////// ////////////////////
properties ................................... 3499 0 3500 0 3501 58 M.3.d.
e. Secured by nonfarm nonresidential properties.. 3502 5,041 3503 0 3504 899 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 0 3528 0 M.4.a.
b. Replacement cost of contracts with a //////////////////// ////////////////////
positive replacement cost .................... 3529 0 3530 0 M.4.b.
--------------------------------------------
30
SCHEDULE RC-0--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 N/A | 1.a.
OR | //////////////////////// |
b. Separate amount of unposted debits: | //////////////////////// |
(1) Actual amount of unposted debits to demand deposits ...................... | 0031 25,425 | 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 0 | 2.a.
OR | //////////////////////// |
b. Separate amount of unposted credits: | //////////////////////// |
(1) Actual amount of unposted credits to demand deposits...................... | 3512 N/A | 2.b.(1)
(2) Actual amount of unposted credits to time and savings deposits(1)......... | 3514 N/A | 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 6,860 | 4.a.
b. Time and savings deposits(1) of consolidated subsidiaries .................... | 2351 0 | 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(a)) ............................................ | 5518 807,172 | 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
SCHEDULE RC-0--OTHER DATA FOR DEPOSIT INSURANCE ASSESSMENTS -- 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 4,242,160 | M.1.a.(1)
(2) Number of deposit accounts of $100,000 or less (to be Number | //////////////////////// |
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 2,799,134 | M.1.b.(1)
Number | //////////////////////// |
-------------------- | //////////////////////// |
(2) Number of deposit accounts of more than $100,000 ......| RCON 2722 | 7,671 | //////////////////////// | 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 YES NO
method or procedure for determining a better estimate of uninsured ----------------------------
deposits than the estimate described above ..................................... | 6861 | |/////| X| M.2.a.
b. If the box marked YES has been checked, report the estimate of uninsured | RCON Bil Mil Thou |
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 |
------
Laura Ewald (303) 863-4591
- ------------------------------------------------------------------ ---------------------------------------------------------
Name and Title (TEXT 8901) Area code/phone number/extension (TEXT 3902)
32
SCHEDULE RC-0--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 N/A | 1.a.
OR | //////////////////////// |
b. Separate amount of unposted debits: | //////////////////////// |
(1) Actual amount of unposted debits to demand deposits ...................... | 0031 25,425 | 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 0 | 2.a.
OR | //////////////////////// |
b. Separate amount of unposted credits: | //////////////////////// |
(1) Actual amount of unposted credits to demand deposits...................... | 3512 N/A | 2.b.(1)
(2) Actual amount of unposted credits to time and savings deposits(1)......... | 3514 N/A | 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 6,860 | 4.a.
b. Time and savings deposits(1) of consolidated subsidiaries .................... | 2351 0 | 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(a)) ............................................ | 5518 807,172 | 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
SCHEDULE RC-0--OTHER DATA FOR DEPOSIT INSURANCE ASSESSMENTS -- 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 4,242,160 | M.1.a.(1)
(2) Number of deposit accounts of $100,000 or less (to be Number | //////////////////////// |
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 2,799,134 | M.1.b.(1)
Number | //////////////////////// |
-------------------- | //////////////////////// |
(2) Number of deposit accounts of more than $100,000 ......| RCON 2722 | 7,671 | //////////////////////// | 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 YES NO
method or procedure for determining a better estimate of uninsured ----------------------------
deposits than the estimate described above ..................................... | 6861 | |/////| X| M.2.a.
b. If the box marked YES has been checked, report the estimate of uninsured | RCON Bil Mil Thou |
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 |
------
Laura Ewald (303) 863-4591
- ------------------------------------------------------------------ ---------------------------------------------------------
Name and Title (TEXT 8901) Area code/phone number/extension (TEXT 3902)
32
Call Date: 12/31/96 ST-BK: 08-0510 FFIEC 031
Page RC-23
Legal Title of Bank: Norwest Bank Colorado, N.A.
Address: 1740 Broadway
City, State Zip: Denver, CO 80274-8604
FDIC Certificate No.: |0|3|0|1|1|
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,
1995, 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.
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
appropriate box at the right whether the bank has total | C480 |
capital greater than or equal to eight percent of |YES NO |
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 RCFD Bil Mil Thou RCFD Bil Mil Thou
at least five years) 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 0 3791 0 2.f.
------------------------------------------------------------
3. Amounts used in calculating regulatory capital //////////////////////
ratios (report amounts determined by the bank for //////////////////////
its own internal regulatory capital analyses ----------------------
consistent with applicable capital standards): RCFD Bil Mil Thou
----------------------
a. Tier 1 capital..................................................................... 8274 393,700 3.a.
b. Tier 2 capital..................................................................... 8275 102,638 3.b.
c. Total risk-based capital........................................................... 3792 496,338 3.c.
d. Excess allowance for loan and lease losses......................................... A222 22,453 3.d.
e. Risk-weighted assets (net of all deductions, including excess allowance)........... A223 4,828,573 3.e.
f. "Average total assets" (net of all assets deducted from Tier 2 capital 3)(2)....... A224 7,413,837
----------------------
------------------------------------------------------------
(Column A) (Column B)
Items 4-9 and Memoranda items 1 and 2 are to be completed Assets Credit Equiv-
by banks that answered NO to item 1 above and Recorded alent Amount
by banks with total assets of $1 billion or more. on the of Off-Balance
Balance Sheet Sheet Items(3)
------------------------------------------------------------
4. Assets and credit equivalent amounts of off-balance RCFD Bil Mil Thou RCFD Bil Mil Thou
sheet items 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 173,377 //////////////////////// 4.a.(1)
(2) All other..................................... 3795 184,851 //////////////////////// 4.a.(2)
b. Credit equivalent amount of off-balance sheet //////////////////////// ////////////////////////
items............................................. //////////////////////// 3796 0 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
Call Date: 12/31/96 ST-9K: 08-0510 FFIEC 031
Page RC-24
Legal Title of Bank: Norwest Bank Colorado, N.A.
Address: 1740 Broadway
City, State Zip: Denver, CO 80274-8604
FDIC Certificate No.: |0|3|0|1|1|
SCHEDULE RC-R--CONTINUED
--------------------------------------------
(Column A) (Column B)
Assets Credit Equiv-
Recorded alent Amount
on the 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 541,677 /////////////////// 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 40,282 /////////////////// 5.a.(2)
(3) All other........................................ 3800 3,449,336 /////////////////// 5.a.(3)
b. Credit equivalent amount of off-balance sheet items.. /////////////////// 3801 1,099,194 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 525,891 /////////////////// 6.a.
b. Credit equivalent amount of off-balance sheet items.. /////////////////// 3803 17,032 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 3,018,436 /////////////////// 7.a.
b. Credit equivalent amount of off-balance sheet items.. /////////////////// 3805 535,505 7.b.
8. On-balance sheet asset values excluded from the /////////////////// ///////////////////
calculation of the risk-based capital ratio (2)......... 3806 5,571 /////////////////// 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 7,939,421 /////////////////// 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 0 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 sheet derivative contracts (3): RCFD Tril Bil Mil Thou RCFD Tril Bil Mil Thou RCFD Tril Bil Mil Thou
---------------------------------------------------------------------------
a. Interest rate contracts............. 3809 0 8766 0 8767 0 M.2.a.
b. Foreign exchange contracts.......... 3812 0 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: Norwest Bank Colorado, N.A. Call Date: 12/31/96 ST-BK:08-0510 FFIEC 031
Address: 1740 Broadway Page RC-25
City, State Zip: Denver, CO 80274-8604
FDIC Certificate No.: 0 3 0 1 1
OPTIONAL NARRATIVE STATEMENT CONCERNING THE AMOUNTS
REPORTED IN THE REPORTS OF CONDITION AND INCOME
at close of business on December 31, 1996
Norwest Bank Colorado, N.A. Denver, Colorado
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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 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
POINTS 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 disclosures; 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.
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No comment / / (RCON 6979) |C471 | C472 |
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BANK MANAGEMENT STATEMENT (please type or print clearly):
(TEXT 6980)
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Signature of Executive Officer of Bank Date of Signature
35
/36/
THIS PAGE IS TO BE COMPLETED BY ALL BANKS
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NAME AND ADDRESS OF BANK
OMB No. For OCC: 1557-0081
OMB No. For FDIC 3064-0052
CALL NO. 198 31 12-31-96 OMB No. for Federal Reserve: 7100-0036
Expiration Date: 3/31/99
STBK: 08-0510 00017 STCERT: 08-03011
NORWEST BANK COLORADO, NATIONAL ASSO SPECIAL REPORT
1740 BROADWAY, M.S. 8729 (Dollar Amounts in Thousands)
DENVER, CO 80274
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CLOSE OF BUSINESS FDIC Certificate Number
DATE
| | | | | | C-700 |
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LOANS TO EXECUTIVE OFFICERS (COMPLETE AS OF EACH CALL REPORT DATE)
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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 O) 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.
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RCFD
a. Number of loans made to executive officers since the previous Call Report date ................ 3561
--------------------------- a.
RCFD
b. Total dollar amount of above loans (in thousands of dollars) .................................. 3562
--------------------------- b.
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c. Range of interest charged on above loans RCFD RCFD
(example: 9 3/4% = 9.75)...............................................7701 __ __ __ __ % to 7702 __ __ __ __ |% c.
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SIGNATURE AND TITLE OF OFFICER AUTHORIZED TO SIGN REPORT DATE (Month, Day, Year)
/s/ Dennis I. Erickson 1-21-97
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NAME AND TITLE OF PERSON TO WHOM INQUIRIES MAY BE DIRECTED (TEXT 890.3) AREA CODE/PHONE NUMBER/EXTENSION
(TEXT 890.4)
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