EXHIBIT 25.1
Registration No.
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM T-1
STATEMENT OF ELIGIBILITY AND QUALIFICATION UNDER THE TRUST INDENTURE ACT OF 1939
OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE
BANK ONE, COLUMBUS, N.A.
Not Applicable 31-4148768
(State of Incorporation (I.R.S. Employer
if not a national bank) Identification No.)
100 East Broad Street, Columbus, Ohio 43271-0181
(Address of trustee's principal (Zip Code) executive offices)
Ted Kravits
c/o Bank One Trust Company, NA
100 East Broad Street
Columbus, Ohio 43271-0181
(614) 248-2566
(Name, address and telephone number of agent for service)
AMERICREDIT CORP.
(Exact name of obligor as specified in its charter)
Texas 75-2291093
(State or other jurisdiction of (I.R.S.Employer
incorporation or organization) Identification No.)
200 Bailey Avenue 76107
Fort Worth, TX (Zip Code)
(Address of principal executive
office
AMERICREDIT CORP. 9 1/4% SENIOR NOTES DUE 2004
(Title of the Indenture securities)
GENERAL
1. General Information.
Furnish the following information as to the trustee:
(a) Name and address of each examining or supervising authority to
which it is subject.
Comptroller of the Currency, Washington, D.C.
Federal Reserve Bank of Cleveland, Cleveland, Ohio
Federal Deposit Insurance Corporation, Washington, D.C.
The Board of Governors of the Federal Reserve System, Washington, D.C.
(b) Whether it is authorized to exercise corporate trust powers.
The trustee is authorized to exercise corporate trust powers.
2. Affiliations with Obligor and Underwriters.
If the obligor is an affiliate of the trustee, describe each such
affiliation.
The obligor is not an affiliate of the trustee.
16. List of Exhibits
List below all exhibits filed as a part of this statement of eligibility
and qualification. (Exhibits identified in parentheses, on file with the
Commission, are incorporated herein by reference as exhibits hereto.)
Exhibit 1 - A copy of the Articles of Association of the trustee as now in
effect.
Exhibit 2 - A copy of the Certificate of Authority of the trustee to commence
business, see Exhibit 2 to Form T-1, filed in connection with Form S-3 relating
to Wheeling-Pittsburgh Corporation 9 3/8% Senior Notes due 2003, Securities and
Exchange Commission File No. 33-50709.
Exhibit 3 - A copy of the Authorization of the trustee to exercise corporate
trust powers, see Exhibit 3 to Form T-1, filed in connection with Form S-3
relating to Wheeling-Pittsburgh Corporation 9 3/8% Senior Notes due 2003,
Securities and Exchange Commission File No. 33-50709.
Exhibit 4 - A copy of the Bylaws of the trustee as now in effect.
Exhibit 5 - Not applicable.
Exhibit 6 - The consent of the trustee required by Section 321(b) of the Trust
Indenture Act of 1939, as amended.
Exhibit 7 - Report of Condition of the trustee as of the close of business on
December 31, 1996, published pursuant to the requirements of the Comptroller of
the Company.
Exhibit 8 - Not applicable.
Exhibit 9 - Not applicable.
Items 3 through 15 are not answered pursuant to General Instruction B which
requires responses to Item 1, 2 and 16 only, if the obligor is not in default.
SIGNATURE
Pursuant to the requirements of the Trust Indenture Act of 1939, as
amended, the Trustee, Bank One, Columbus, NA, a national banking association
organized under the National Banking Act, has duly caused this statement of
eligibility and qualification to be signed on its behalf by the undersigned,
thereunto duly authorized, all in Columbus, Ohio, on March 3, 1997.
Bank One, Columbus, NA
By: /s/ Ted Kravits
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Ted Kravits
Authorized Signer
Exhibit 1
BANK ONE, COLUMBUS, NATIONAL ASSOCIATION
ARTICLES OF ASSOCIATION
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For the purpose of organizing an association to carry on the business of
banking under the laws of the United States, the following Articles of
Association are entered into:
FIRST. The title of this Association shall be BANK ONE, COLUMBUS,
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NATIONAL ASSOCIATION.
SECOND. The main office of the Association shall be in Columbus, County
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of Franklin, State of Ohio. The general business of the Association shall be
conducted at its main office and its branches.
THIRD. The Board of Directors of this Association shall consist of not
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less than five nor more than twenty-five Directors, the exact number of
Directors within such minimum and maximum limits to be fixed and determined from
time-to-time by resolution of the shareholders at any annual or special meeting
thereof, provided, however, that the Board of Directors, by resolution of a
majority thereof, shall be authorized to increase the number of its members by
not more than two between regular meetings of the shareholders. Each Director,
during the full term of his directorship, shall own, as qualifying shares, the
minimum number of shares of either this Association or of its parent bank
holding company in accordance with the provisions of applicable law. Unless
otherwise provided by the laws of the United States, any vacancy in the Board of
Directors for any reason, including an increase in the number thereof, may be
filled by action of the Board of Directors.
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FOURTH. The annual meeting of the shareholders for the election of
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Directors and the transaction of whatever other business may be brought before
said meeting shall be held at the main office of this Association or such other
place as the Board of Directors may designate, on the day of each year specified
therefor in the By-Laws, but if no election is held on that day, it may be held
on any subsequent business day according to the provisions of law; and all
elections shall be held according to such lawful regulations as may be
prescribed by the Board of Directors.
FIFTH. The authorized amount of capital stock of this Association shall
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be 2,073,750 shares of common stock of the par value of Ten Dollars ($10) each;
but said capital stock may be increased or decreased from time-to-time, in
accordance with the provisions of the laws of the United States.
No holder of shares of the capital stock of any class of the
Association shall have the preemptive or preferential right of subscription to
any share of any class of stock of this Association, whether now or hereafter
authorized or to any obligations convertible into stock of this Association,
issued or sold, nor any right of subscription to any thereof other than such, if
any, as the Board of Directors, in its discretion, may from time-to-time
determine and at such price as the Board of Directors may from time-to-time fix.
This Association, at any time and from time-to-time, may authorize
and issue debt obligations, whether or not subordinated, without the approval of
the shareholders.
SIXTH. The Board of Directors shall appoint one of its members President
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of the Association, who shall be Chairman of the Board, unless the Board
appoints another director to be the Chairman. The Board of Directors shall have
the power to appoint one or more Vice Presidents and to appoint a Secretary and
such other officers and employees as may be required to transact the business of
this Association.
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The Board of Directors shall have the power to define the duties of
the officers and employees of this Association; to fix the salaries to be paid
to them; to dismiss them; to require bonds from them and to fix the penalty
thereof; to regulate the manner in which any increase of the capital of this
Association shall be made; to manage and administer the business and affairs of
this Association; to make all By-Laws that it may be lawful for them to make;
and generally to do and perform all acts that it may be legal for a Board of
Directors to do and perform.
SEVENTH. The Board of Directors shall have the power to change the
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location of the main office to any other place within the limits of the City of
Columbus, Ohio, without the approval of the shareholders but subject to the
approval of the Comptroller of the Currency; and shall have the power to
establish or change the location of any branch or branches of this Association
to any other location, without the approval of the shareholders but subject to
the approval of the Comptroller of the Currency.
EIGHTH. The corporate existence of this Association shall continue until
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terminated in accordance with the laws of the United States.
NINTH. The Board of Directors of this Association, or any three or more
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shareholders owning, in the aggregate, not less than 10 percent of the stock of
this Association, may call a special meeting of shareholders at any time. Unless
otherwise provided by the laws of the United States, a notice of the time, place
and purpose of every annual and special meeting of the shareholders shall be
given by first-class mail, postage prepaid, mailed at least ten days prior to
the date of such meeting to each shareholder of record at his address as shown
upon the books of this Association.
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TENTH. Every person who is or was a Director, officer or employee of
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the Association or of any other corporation which he served as a Director,
officer or employee at the request of the Association as part of his regularly
assigned duties may be indemnified by the Association in accordance with the
provisions of this paragraph against all liability (including, without
limitation, judgments, fines, penalties and settlements) and all reasonable
expenses (including, without limitation, attorneys' fees and investigative
expenses) that may be incurred or paid by him in connection with any claim,
action, suit or proceeding, whether civil, criminal or administrative (all
referred to hereafter in these paragraphs as "Claims") or in connection with any
appeal relating thereto in which he may become involved as a party or otherwise
or with which he may be threatened by reason of his being or having been a
Director, officer or employee of the Association or such other corporation, or
by reason of any action taken or omitted by him in his capacity as such
Director, officer or employee, whether or not he continues to be such at the
time such liability or expenses are incurred, provided that nothing contained in
this paragraph shall be construed to permit indemnification of any such person
who is adjudged guilty of, or liable for, willful misconduct, gross neglect of
duty or criminal acts, unless, at the time such indemnification is sought, such
indemnification in such instance is permissible under applicable law and
regulations, including published rulings of the Comptroller of the Currency or
other appropriate supervisory or regulatory authority, and provided further that
there shall be no indemnification of directors, officers, or employees against
expenses, penalties, or other payments incurred in an administrative proceeding
or action instituted by an appropriate regulatory agency which proceeding or
action results in a final order assessing civil money penalties or requiring
affirmative action by an individual or individuals in the form of payments to
the Association. Every person who may be indemnified under the provisions of
this paragraph and who has been wholly successful on the merits with respect to
any Claim shall be entitled to indemnification as of right. Except as provided
in the preceding sentence, any indemnification under this paragraph shall be at
the sole discretion of the Board of Directors and shall be made only if the
Board of Directors or the Executive Committee acting by a quorum consisting of
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Directors who are not parties to such Claim shall find or if independent legal
counsel (who may be the regular counsel of the Association) selected by the
Board of Directors or Executive Committee whether or not a disinterested quorum
exists shall render their opinion that in view of all of the circumstances then
surrounding the Claim, such indemnification is equitable and in the best
interests of the Association. Among the circumstances to be taken into
consideration in arriving at such a finding or opinion is the existence or non-
existence of a contract of insurance or indemnity under which the Association
would be wholly or partially reimbursed for such indemnification, but the
existence or non-existence of such insurance is not the sole circumstance to be
considered nor shall it be wholly determinative of whether such indemnification
shall be made. In addition to such finding or opinion, no indemnification under
this paragraph shall be made unless the Board of Directors or the Executive
Committee acting by a quorum consisting of Directors who are not parties to such
Claim shall find or if independent legal counsel (who may be the regular counsel
of the Association) selected by the Board of Directors or Executive Committee
whether or not a disinterested quorum exists shall render their opinion that the
Director, officer or employee acted in good faith in what he reasonably believed
to be the best interests of the Association or such other corporation and
further in the case of any criminal action or proceeding, that the Director,
officer or employee reasonably believed his conduct to be lawful. Determination
of any Claim by judgment adverse to a Director, officer or employee by
settlement with or without Court approval or conviction upon a plea of guilty or
of nolocontendere or its equivalent shall not create a presumption that a
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Director, officer or employee failed to meet the standards of conduct set forth
in this paragraph. Expenses incurred with respect to any Claim may be advanced
by the Association prior to the final disposition thereof upon receipt of an
undertaking satisfactory to the Association by or on behalf of the recipient to
repay such amount unless it is ultimately determined that he is entitled to
indemnification under this paragraph. The rights of indemnification provided in
this paragraph shall be in addition to any rights to which any Director, officer
or employee may otherwise be entitled by contract or as a matter of law.
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Every person who shall act as a Director, officer or employee of this
Association shall be conclusively presumed to be doing so in reliance upon
the right of indemnification provided for in this paragraph.
ELEVENTH. These Articles of Association may be amended at any regular
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or special meeting of the shareholders by the affirmative vote of the
holders of a majority of the stock of this Association, unless the vote of
the holders of a greater amount of stock is required by law, and in that
case by the vote of the holders of such greater amount.
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Exhibit 4
BY-LAWS
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OF
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BANK ONE, COLUMBUS, NATIONAL ASSOCIATION
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ARTICLE I
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MEETING OF SHAREHOLDERS
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SECTION 1.01. ANNUAL MEETING. The regular annual meeting of the
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Shareholders of the Bank for the election of Directors and for the
transaction of such business as may properly come before the meeting shall
be held at its main banking house, or other convenient place duly
authorized by the Board of Directors, on the third Monday of January of
each year, or on the next succeeding banking day, if the day fixed falls on
a legal holiday. If from any cause, an election of directors is not made
on the day fixed for the regular meeting of shareholders or, in the event
of a legal holiday, on the next succeeding banking day, the Board of
Directors shall order the election to be held on some subsequent day, as
soon thereafter as practicable, according to the provisions of law; and
notice thereof shall be given in the manner herein provided for the annual
meeting. Notice of such annual meeting shall be given by or under the
direction of the Secretary or such other officer as may be designated by
the Chief Executive Officer by first-class mail, postage prepaid, to all
shareholders of record of the Bank at their respective addresses as shown
upon the books of the Bank mailed not less than ten days prior to the date
fixed for such meeting.
SECTION 1.02. SPECIAL MEETINGS. A special meeting of the shareholders of
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this Bank may be called at any time by the Board of Directors or by any
three or more shareholders owning, in the aggregate, not less than ten
percent of the stock of this Bank. The notice of any special meeting of
the shareholders called by the Board of Directors, stating the time, place
and purpose of the meeting, shall be given by or under the direction of the
Secretary, or such other officer as is designated by the Chief Executive
Officer, by first-class mail, postage prepaid, to all shareholders of
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record of the Bank at their respective addresses as shown upon the books of
the Bank, mailed not less than ten days prior to the date fixed for such
meeting.
Any special meeting of shareholders shall be conducted and its
proceedings recorded in the manner prescribed in these By-Laws for annual
meetings of shareholders.
SECTION 1.03. SECRETARY OF SHAREHOLDERS' MEETING. The Board of Directors
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may designate a person to be the Secretary of the meetings of shareholders.
In the absence of a presiding officer, as designated in these By-Laws, the
Board of Directors may designate a person to act as the presiding officer.
In the event the Board of Directors fails to designate a person to preside
at a meeting of shareholders and a Secretary of such meeting, the
shareholders present or represented shall elect a person to preside and a
person to serve as Secretary of the meeting.
The Secretary of the meetings of shareholders shall cause the returns
made by the judges and election and other proceedings to be recorded in the
minute book of the Bank. The presiding officer shall notify the directors-
elect of their election and to meet forthwith for the organization of the
new board.
The minutes of the meeting shall be signed by the presiding officer and
the Secretary designated for the meeting.
SECTION 1.04. JUDGES OF ELECTION. The Board of Directors may appoint as
---------------------------------
many as three shareholders to be judges of the election, who shall hold and
conduct the same, and who shall, after the election has been held, notify,
in writing over their signatures, the secretary of the shareholders'
meeting of the result thereof and the names of the Directors elected;
provided, however, that upon failure for any reason of any judge or judges
of election, so appointed by the directors, to serve, the presiding officer
of the meeting shall appoint other shareholders or their proxies to fill
the vacancies. The judges of election at the request of the chairman of
the
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meeting, shall act as tellers of any other vote by ballot taken at such
meeting, and shall notify, in writing over their signatures, the secretary
of the Board of Directors of the result thereof.
SECTION 1.05. PROXIES. In all elections of Directors, each shareholder of
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record, who is qualified to vote under the provisions of Federal Law, shall
have the right to vote the number of shares of record in his name for as
many persons as there are Directors to be elected, or to cumulate such
shares as provided by Federal Law. In deciding all other questions at
meetings of shareholders, each shareholder shall be entitled to one vote on
each share of stock of record in his name. Shareholders may vote by proxy
duly authorized in writing. All proxies used at the annual meeting shall
be secured for that meeting only, or any adjournment thereof, and shall be
dated, and if not dated by the shareholder, shall be dated as of the date
of receipt thereof. No officer or employee of this Bank may act as proxy.
SECTION 1.06. QUORUM. Holders of record of a majority of the shares of
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the capital stock of the Bank, eligible to be voted, present either in
person or by proxy, shall constitute a quorum for the transaction of
business at any meeting of shareholders, but shareholders present at any
meeting and constituting less than a quorum may, without further notice,
adjourn the meeting from time to time until a quorum is obtained. A
majority of the votes cast shall decide every question or matter submitted
to the shareholders at any meeting, unless otherwise provided by law or by
the Articles of Association.
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ARTICLE II
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DIRECTORS
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SECTION 2.01. MANAGEMENT OF THE BANK. The business of the Bank shall be
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managed by the Board of Directors. Each director of the Bank shall be the
beneficial owner of a substantial number of shares of BANC ONE CORPORATION
and shall be employed either in the position of Chief Executive Officer or
active leadership within his or her business, professional or community
interest which shall be located within the geographic area in which the
Bank operates, or as an executive officer of the Bank. A director shall
not be eligible for nomination and re-election as a director of the Bank if
such person's executive or leadership position within his or her business,
professional or community interests which qualifies such person as a
director of Bank terminates. The age of 70 is the mandatory retirement age
as a director of the Bank. When a person's eligibility as director of the
Bank terminates, whether because of change in share ownership, position,
residency or age, within 30 days after such termination, such person shall
submit his resignation as a director to be effective at the pleasure of the
Board provided, however, that in no event shall such person be nominated or
elected as a director. Provided, however, following a person's retirement
or resignation as a director because of the age limitations herein set
forth with respect to election or re-election as a director, such person
may, in special or unusual circumstances, and at the discretion of the
Board, be elected by the directors as a Director Emeritus of the Bank for a
limited period of time. A Director Emeritus shall have the right to
participate in board meetings but shall be without the power to vote and
shall be subject to re-election by the Board at its organizational meeting
following the Bank's annual meeting of shareholders.
SECTION 2.02. QUALIFICATIONS. Each director shall have the qualification
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prescribed by law. No person elected a director may exercise any of the
powers of his office until he has taken the oath of such office.
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SECTION 2.03. TERM OF OFFICE/VACANCIES. A director shall hold office
----------------------------------------
until the annual meeting for the year in which his term expires and until
his successor shall be elected and shall qualify, subject, however, to his
prior death, resignation, or removal from office. Whenever any vacancy
shall occur among the directors, the remaining directors shall constitute
the directors of the Bank until such vacancy is filled by the remaining
directors, and any director so appointed shall hold office for the
unexpired term of his or her successor. Notwithstanding the foregoing,
each director shall hold office and serve at the pleasure of the Board.
SECTION 2.04. ORGANIZATION MEETING. The directors elected by the share-
-----------------------------------
holders shall meet for organization of the new board at the time fixed by
the presiding officer of the annual meeting. If at the time fixed for such
meeting there is no quorum present, the Directors in attendance may adjourn
from time to time until a quorum is obtained. A majority of the number of
Directors elected by the shareholders shall constitute a quorum for the
transaction of business.
SECTION 2.05. REGULAR MEETINGS. The regular meetings of the Board of
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Directors shall be held on the third Monday of each calendar month
excluding March and July, which meeting will be held at 4:00 p.m. When any
regular meeting of the Board falls on a holiday, the meeting shall be held
on such other day as the Board may previously designate or should the Board
fail to so designate, on such day as the Chairman of the Board of President
may fix. Whenever a quorum is not present, the directors in attendance
shall adjourn the meeting to a time not later than the date fixed by the
Bylaws for the next succeeding regular meeting of the Board.
SECTION 2.06. SPECIAL MEETINGS. Special meetings of the Board of
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Directors shall be held at the call of the Chairman of the Board or
President, or at the request of two or more Directors. Any special meeting
may be held at such place in Franklin County, Ohio, and at such time as may
be fixed in the call. Written or oral notice shall be given to each
Director not later than the day next preceding the day on which special
meeting is to be held, which notice may be waived in writing.
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The presence of a Director at any meeting of the Board shall be deemed a
waiver of notice thereof by him. Whenever a quorum is not present the
Directors in attendance shall adjourn the special meeting from day to day
until a quorum is obtained.
SECTION 2.07. QUORUM. A majority of the Directors shall constitute a
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quorum at any meeting, except when otherwise provided by law; but a lesser
number may adjourn any meeting, from time-to-time, and the meeting may be
held, as adjourned, without further notice. When, however, less than a
quorum as herein defined, but at least one-third and not less than two of
the authorized number of Directors are present at a meeting of the
Directors, business of the Bank may be transacted and matters before the
Board approved or disapproved by the unanimous vote of the Directors
present.
SECTION 2.08. COMPENSATION. Each member of the Board of Directors shall
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receive such fees for, and transportation expenses incident to, attendance
at Board and Board Committee Meetings and such fees for service as a
Director irrespective of meeting attendance as from time to time are fixed
by resolution of the Board; provided, however, that payment hereunder shall
not be made to a Director for meetings attended and/or Board service which
are not for the Bank's sole benefit and which are concurrent and
duplicative with meetings attended or board service for an affiliate of the
Bank for which the Director receives payment; and provided further, that
payment hereunder shall not be made in the case of any Director in the
regular employment of the Bank or of one of its affiliates.
SECTION 2.09. EXECUTIVE COMMITTEE. There shall be a standing committee of
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the Board of Directors known as the Executive Committee which shall possess
and exercise, when the Board is not in session, all powers of the Board
that may lawfully be delegated. The Executive Committee shall also
exercise the powers of the Board of Directors in accordance with the
Provisions of the "Employees Retirement Plan" and the "Agreement and
Declaration of Trust" as the same now
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exist or may be amended hereafter. The Executive Committee shall consist
of not fewer than four board members, including the Chairman of the Board
and President of the Bank, one of whom, as hereinafter required by these
By-laws, shall be the Chief Executive Officer. The other members of the
Committee shall be appointed by the Chairman of the Board or by the
President, with the approval of the Board and shall continue as members of
the Executive Committee until their successors are appointed, provided,
however, that any member of the Executive Committee may be removed by the
Board upon a majority vote thereof at any regular or special meeting of the
Board. The Chairman or President shall fill any vacancy in the Committee
by the appointment of another Director, subject to the approval of the
Board of Directors. The regular meetings of the Executive Committee shall
be held on a regular basis as scheduled by the Board of Directors. Special
meetings of the Executive Committee shall be held at the call of the
Chairman or President or any two members thereof at such time or times as
may be designated. In the event of the absence of any member or members of
the Committee, the presiding member may appoint a member or members of the
Board to fill the place or places of such absent member or members to serve
during such absence. Not fewer than three members of the Committee must be
present at any meeting of the Executive Committee to constitute a quorum,
provided, however that with regard to any matters on which the Executive
Committee shall vote, a majority of the Committee members present at the
meeting at which a vote is to be taken shall not be officers of the Bank
and, provided further, that if, at any meeting at which the Chairman of the
Board and President are both present, Committee members who are not
officers are not in the majority, then the Chairman of the Board or
President, which ever of such officers is not also the Chief Executive
Officer, shall not be eligible to vote at such meeting and shall not be
recognized for purposes of determining if a quorum is present at such
meeting. When neither the Chairman of the Board nor President are present,
the Committee shall appoint a presiding officer. The Executive Committee
shall keep a record of its proceedings and report its proceedings and the
action taken by it to the Board of Directors.
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SECTION 2.10 COMMUNITY REINVESTMENT ACT AND COMPLIANCE POLICY COMMITTEE.
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There shall be a standing committee of the Board of Directors known as the
Community Reinvestment Act and Compliance Policy Committee the duties of
which shall be, at least once in each calendar year, to review, develop and
recommend policies and programs related to the Bank's Community
Reinvestment Act Compliance and regulatory compliance with all existing
statutes, rules and regulations affecting the Bank under state and federal
law. Such Committee shall provide and promptly make a full report of such
review of current Bank policies with regard to Community Reinvestment Act
and regulatory compliance in writing to the Board, with recommendations, if
any, which may be necessary to correct any unsatisfactory conditions. Such
Committee may, in its discretion, in fulfilling its duties, utilize the
Community Reinvestment Act officers of the Bank, Banc One Ohio Corporation
and Banc One Corporation and may engage outside Community Reinvestment Act
experts, as approved by the Board, to review, develop and recommend
policies and programs as herein required. The Community Reinvestment Act
and regulatory compliance policies and procedures established and the
recommendations made shall be consistent with, and shall supplement, the
Community Reinvestment Act and regulatory compliance programs, policies and
procedures of Banc One Corporation and Banc One Ohio Corporation. The
Community Reinvestment Act and Compliance Policy Committee shall consist of
not fewer than four board members, one of whom shall be the Chief Executive
Officer and a majority of whom are not officers of the Bank. Not fewer
than three members of the Committee, a majority of whom are not officers of
the Bank, must be present to constitute a quorum. The Chairman of the
Board or President of the Bank, whichever is not the Chief Executive
Officer, shall be an ex officio member of the Community Reinvestment Act
and Compliance Policy Committee. The Community Reinvestment Act and
Compliance Policy Committee, whose chairman shall be appointed by the
Board, shall keep a record of its proceedings and report its proceedings
and the action taken by it to the Board of Directors.
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SECTION 2.11. TRUST COMMITTEES. There shall be two standing Committees known
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as the Trust Management Committee and the Trust Examination Committee appointed
as hereinafter provided.
SECTION 2.12. OTHER COMMITTEES. The Board of Directors may appoint such
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special committees from time to time as are in its judgment necessary in the
interest of the Bank.
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ARTICLE III
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OFFICERS, MANAGEMENT STAFF AND EMPLOYEES
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SECTION 3.01. OFFICERS AND MANAGEMENT STAFF.
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(a) The officers of the Bank shall include a President, Secretary and
Security Officer and may include a Chairman of the Board, one or more
Vice Chairmen, one or more Vice Presidents (which may include one or
more Executive Vice Presidents and/or Senior Vice Presidents) and one or
more Assistant Secretaries, all of whom shall be elected by the Board.
All other officers may be elected by the Board or appointed in writing
by the Chief Executive Officer. The salaries of all officers elected by
the Board shall be fixed by the Board. The Board from time-to-time shall
designate the President or Chairman of the Board to serve as the Bank's
Chief Executive Officer.
(b) The Chairman of the Board, if any, and the President shall be elected by
the Board from their own number. The President and Chairman of the Board
shall be re-elected by the Board annually at the organizational meeting
of the Board of Directors following the Annual Meeting of Shareholders.
Such officers as the Board shall elect from their own number shall hold
office from the date of their election as officers until the
organization meeting of the Board of Directors following the next Annual
Meeting of Shareholders, provided, however, that such officers may be
relieved of their duties at any time by action of the Board in which
event all the powers incident to their office shall immediately
terminate.
(c) Except as provided in the case of the elected officers who are members
of the Board, all officers, whether elected or appointed, shall hold
office at the pleasure of the Board. Except as otherwise limited by law
or these By-laws, the Board assigns to Chief Executive Officer and/or
his
- 19 -
designees the authority to appoint and dismiss any elected or appointed
officer or other member of the Bank's management staff and other
employees of the Bank, as the person in charge of and responsible for
any branch office, department, section, operation, function, assignment
or duty in the Bank.
(d) The management staff of the Bank shall include officers elected by the
Board, officers appointed by the Chief Executive Officer, and such other
persons in the employment of the Bank who, pursuant to written
appointment and authorization by a duly authorized officer of the Bank,
perform management functions and have management responsibilities. Any
two or more offices may be held by the same person except that no person
shall hold the office of Chairman of the Board and/or President and at
the same time also hold the office of Secretary.
(e) The Chief Executive Officer of the Bank and any other officer of the
Bank, to the extent that such officer is authorized in writing by the
Chief Executive Officer, may appoint persons other than officers who are
in the employment of the Bank to serve in management positions and in
connection therewith, the appointing officer may assign such title,
salary, responsibilities and functions as are deemed appropriate by him,
provided, however, that nothing contained herein shall be construed as
placing any limitation on the authority of the Chief Executive Officer
as provided in this and other sections of these By-Laws.
SECTION 3.02. CHIEF EXECUTIVE OFFICER. The Chief Executive Officer of the Bank
- --------------------------------------
shall have general and active management of the business of the Bank and shall
see that all orders and resolutions of the Board of Directors are carried into
effect. Except as otherwise prescribed or limited by these By-Laws, the Chief
Executive Officer shall have full right, authority and power to control all
personnel, including elected and appointed officers, of the Bank, to employ or
direct the
- 20 -
employment of such personnel and officers as he may deem necessary, including
the fixing of salaries and the dismissal of them at pleasure, and to define and
prescribe the duties and responsibility of all Officers of the Bank, subject to
such further limitations and directions as he may from time-to-time deem proper.
The Chief Executive Officer shall perform all duties incident to his office and
such other and further duties, as may, from time-to-time, be required of him by
the Board of Directors or the shareholders. The specification of authority in
these By-Laws wherever and to whomever granted shall not be construed to limit
in any manner the general powers of delegation granted to the Chief Executive
Officer in conducting the business of the Bank. The Chief Executive Officer or,
in his absence, the Chairman of the Board or President of the Bank, as
designated by the Chief Executive Officer, shall preside at all meetings of
shareholders and meetings of the Board. In the absence of the Chief Executive
Officer, such officer as is designated by the Chief Executive Officer shall be
vested with all the powers and perform all the duties of the Chief Executive
Officer as defined by these By-Laws. When designating an officer to serve in his
absence, the Chief Executive Officer shall select an officer who is a member of
the Board of Directors whenever such officer is available.
SECTION 3.03. POWERS OF OFFICERS AND MANAGEMENT STAFF. The Chief Executive
- ------------------------------------------------------
Officer, the Chairman of the Board, the President, and those officers so
designated and authorized by the Chief Executive Officer are authorized for an
on behalf of the Bank, and to the extent permitted by law, to make loans and
discounts; to purchase or acquire drafts, notes, stock, bonds, and other
securities for investment of funds held by the Bank; to execute and purchase
acceptances; to appoint, empower and direct all necessary agents and attorneys;
to sign and give any notice required to be given; to demand payment and/or to
declare due for any default any debt or obligation due or payable to the Bank
upon demand or authorized to be declared due; to foreclose any mortgages, to
exercise any option, privilege or election to forfeit, terminate, extend or
renew any lease; to authorize and direct any proceedings for the collection of
any money or for the enforcement
- 21 -
of any right or obligation; to adjust, settle and compromise all claims of every
kind and description in favor of or against the Bank, and to give receipts,
releases and discharges therefor; to borrow money and in connection therewith to
make, execute and deliver notes, bonds or other evidences of indebtedness; to
pledge or hypothecate any securities or any stocks, bonds, notes or any
property real or personal held or owned by the Bank, or to rediscount any notes
or other obligations held or owned by the Bank, to employ or direct the
employment of all personnel, including elected and appointed officers, and the
dismissal of them at pleasure, and in furtherance of and in addition to the
powers hereinabove set forth to do all such acts and to take all such
proceedings as in his judgment are necessary and incidental to the operation of
the Bank.
Other persons in the employment of the Bank, including but not limited to
officers and other members of the management staff, may be authorized by the
Chief Executive Officer, or by an officer so designated and authorized by the
chief Executive Officer, to perform the powers set forth above, subject, how-
ever, to such limitations and conditions as are set forth in the authorization
given to such persons.
SECTION 3.04. SECRETARY. The Secretary or such other officers as may be
- ------------------------
designated by the Chief Executive Officer shall have supervision and control of
the records of the Bank and, subject to the direction of the Chief Executive
Officer, shall undertake other duties and functions usually performed by a
corporate secretary. Other officers may be designated by the Chief Executive
Officer or the Board of Directors as Assistant Secretary to perform the duties
of the Secretary.
SECTION 3.05. EXECUTION OF DOCUMENTS. The Chief Executive Officer, Chairman
- -------------------------------------
of the Board, President, any officer being a member of the Bank's management
staff who is also a person in charge of and responsible for any department
within the Bank and any other officer to the extent such officer is so
designated and authorized by the Chief Executive Officer, the Chairman of the
- 22 -
Board, the President, or any other officer who is a member of the Bank's
management staff who is in charge of and responsible for any department within
the Bank, are hereby authorized on behalf of the Bank to sell, assign, lease,
mortgage, transfer, deliver and convey any real or personal property now or
hereafter owned by or standing in the name of the Bank or its nominee, or held
by this Bank as collateral security, and to execute and deliver such deeds,
contracts, leases, assignments, bills of sale, transfers or other papers or
documents as may be appropriate in the circumstances; to execute any loan
agreement, security agreement, commitment letters and financing statements and
other documents on behalf of the Bank as a lender; to execute purchase orders,
documents and agreements entered into by the Bank in the ordinary course of
business, relating to purchase, sale, exchange or lease of services, tangible
personal property, materials and equipment for the use of the Bank; to execute
powers of attorney to perform specific or general functions in the name of or on
behalf of the Bank; to execute promissory notes or other instruments evidencing
debt of the Bank; to execute instruments pledging or releasing securities for
public funds, documents submitting public fund bids on behalf of the Bank and
public fund contracts; to purchase and acquire any real or personal property
including loan portfolios and to execute and deliver such agreements, contracts
or other papers or documents as may be appropriate in the circumstances; to
execute any indemnity and fidelity bonds, proxies or other papers or documents
of like or different character necessary, desirable or incidental to the conduct
of its banking business; to execute and deliver settlement agreements or other
papers or documents as may be appropriate in connection with a dismissal
authorized by Section 3.01(c) of these By-laws; to execute agreements,
instruments, documents, contracts or other papers of like or difference
character necessary, desirable or incidental to the conduct of its banking
business; and to execute and deliver partial releases from and discharges or
assignments of mortgages, financing statements and assignments or surrender of
insurance policies, now or hereafter held by this Bank.
The Chief Executive Officer, Chairman of the Board, President, any officer
being a member of the Bank's management staff who is also a person in charge of
- 23 -
and responsible for any department within the Bank, and any other officer of the
Bank so designated and authorized by the Chief Executive Officer, Chairman of
the Board, President or any officer who is a member of the Bank's management
staff who is in charge of and responsible for any department within the Bank are
authorized for and on behalf of the Bank to sign and issue checks, drafts, and
certificates of deposit; to sign and endorse bills of exchange, to sign and
countersign foreign and domestic letters of credit, to receive and receipt for
payments of principal, interest, dividends, rents, fees and payments of every
kind and description paid to the Bank, to sign receipts for property acquired by
or entrusted to the Bank, to guarantee the genuineness of signatures on
assignments of stocks, bonds or other securities, to sign certifications of
checks, to endorse and deliver checks, drafts, warrants, bills, notes,
certificates of deposit and acceptances in all business transactions of the
Bank.
Other persons in the employment of the Bank and of its subsidiaries,
including but not limited to officers and other members of the management staff,
may be authorized by the Chief Executive Officer, Chairman of the Board,
President or by an officer so designated by the Chief Executive Officer,
Chairman of the Board, or President to perform the acts and to execute the
documents set forth above, subject, however, to such limitations and conditions
as are contained in the authorization given to such person.
SECTION 3.06. PERFORMANCE BOND. All officers and employees of the Bank shall
- -------------------------------
be bonded for the honest and faithful performance of their duties for such
amount as may be prescribed by the Board of Directors.
- 24 -
ARTICLE IV
----------
TRUST DEPARTMENT
----------------
SECTION 4.01. TRUST DEPARTMENT. Pursuant to the fiduciary powers granted to
- -------------------------------
this Bank under the provisions of Federal Law and Regulations of the Comptroller
of the Currency, there shall be maintained a separate Trust Department of the
Bank, which shall be operated in the manner specified herein.
SECTION 4.02. TRUST MANAGEMENT COMMITTEE. There shall be a standing Committee
- -----------------------------------------
known as the Trust Management Committee, consisting of at least five members, a
majority of whom shall not be officers of the Bank. The Committee shall consist
of the Chairman of the Board who shall be Chairman of the Committee, the
President, and at least three other Directors appointed by the Board of
Directors and who shall continue as members of the Committee until their
successors are appointed. Any vacancy in the Trust Management Committee may be
filled by the Board at any regular or special meeting. In the event of the
absence of any member or members, such Committee may, in its discretion, appoint
members of the Board to fill the place of such absent members to serve during
such absence. Three members of the Committee shall constitute a quorum. Any
member of the Committee may be removed by the Board by a majority vote at any
regular or special meeting of the Board. The Committee shall meet at such times
as it may determine or at the call of the Chairman, or President or any two
members thereof.
The Trust Management Committee, under the general direction of the Board of
Directors, shall supervise the policy of the Trust Department which shall be
formulated and executed in accordance with Law, Regulations of the Comptroller
of the Currency, and sound fiduciary principles.
1/18/94
- 25 -
SECTION 4.03. TRUST EXAMINATION COMMITTEE. There shall be a standing
------------------------------------------
Committee known as the Trust Examination Committee, consisting of three
directors appointed by the Board of Directors and who shall continue as
members of the committee until their successors are appointed. Such
members shall not be active officers of the Bank. Two members of the
Committee shall constitute a quorum. Any member of the Committee may be
removed by the Board by a majority vote at any regular or special meeting
of the Board. The Committee shall meet at such times as it may determine
or at the call of two members thereof.
This Committee shall, at least once during each calendar year and within
fifteen months of the last such audit, or at such other time(s) as may be
required by Regulations of the Comptroller of the Currency, make suitable
audits of the Trust Department or cause suitable audits to be made by
auditors responsible only to the Board of Directors, and at such time shall
ascertain whether the Department has been administered in accordance with
Law, Regulations of the Comptroller of the Currency and sound fiduciary
principles.
The Committee shall promptly make a full report of such audits in
writing to the Board of Directors of the Bank, together with a
recommendation as to what action, if any, may be necessary to correct any
unsatisfactory condition. A report of the audits together with the action
taken thereon shall be noted in the Minutes of the Board of Directors and
such report shall be a part of the records of this Bank.
SECTION 4.04. MANAGEMENT. The Trust Department shall be under the
-------------------------
management and supervision of an officer of the Bank or of the trust
affiliate of the Bank designated by and subject to the advice and direction
of the Chief Executive Officer. Such officer having supervisory
responsibility over the Trust Department shall do or cause to be done all
things necessary or proper in carrying on the business of the Trust
Department in accordance with provisions of law and applicable
regulations.
- 26 -
1/18/94
SECTION 4.05. HOLDING OF PROPERTY. Property held by the Trust Department
----------------------------------
may be carried in the name of the Bank in its fiduciary capacity, in the
name of Bank, or in the name of a nominee or nominees.
SECTION 4.06. TRUST INVESTMENTS. Funds held by the Bank in a fiduciary
--------------------------------
capacity awaiting investment or distribution shall not be held uninvested
or undistributed any longer than is reasonable for the proper management of
the account and shall be invested in accordance with the instrument
establishing a fiduciary relationship and local law. Where such instrument
does not specify the character or class of investments to be made and does
not vest in the Bank any discretion in the matter, funds held pursuant to
such instrument shall be invested in any investment which corporate
fiduciaries may invest under local law.
The investments of each account in the Trust Department shall be kept
separate from the assets of the Bank, and shall be placed in the joint
custody or control of not less than two of the officers or employees of the
Bank or of the trust affiliate of the Bank designated for the purpose by
the Trust Management Committee.
SECTION 4.07. EXECUTION OF DOCUMENTS. The Chief Executive Officer,
-------------------------------------
Chairman of the Board, President, any officer of the Trust Department, and
such other officers of the trust affiliate of the Bank as are specifically
designated and authorized by the Chief Executive Officer, the President, or
the officer in charge of the Trust Department, are hereby authorized, on
behalf of this Bank, to sell, assign, lease, mortgage, transfer, deliver
and convey any real property or personal property and to purchase and
acquire any real or personal property and to execute and deliver such
agreements, contracts, or other papers and documents as may be appropriate
in the circumstances for property now or hereafter owned by or standing in
the name of this Bank, or its nominee, in any fiduciary capacity, or in the
name of any principal for whom this Bank may now or hereafter be acting
under a power of attorney, or as agent and to execute and deliver partial
releases from
- 27 -
1/18/94
any discharges or assignments or mortgages and assignments or surrender of
insurance policies, to execute and deliver deeds, contracts, leases,
assignments, bills of sale, transfers or such other papers or documents as
may be appropriate in the circumstances for property now or hereafter held
by this Bank in any fiduciary capacity or owned by any principal for whom
this Bank may now or hereafter be acting under a power of attorney or as
agent; to execute and deliver settlement agreements or other papers or
documents as may be appropriate in connection with a dismissal authorized
by Section 3.01(c) of these By-laws; provided that the signature of any
such person shall be attested in each case by any officer of the Trust
Department or by any other person who is specifically authorized by the
Chief Executive Officer, the President or the officer in charge of the
Trust Department.
The Chief Executive Officer, Chairman of the Board, President, any
officer of the Trust Department and such other officers of the trust
affiliate of the Bank as are specifically designated and authorized by the
Chief Executive Officer, the President, or the officer in charge of the
Trust Department, or any other person or corporation as is specifically
authorized by the Chief Executive Officer, the President or the officer in
charge of the Trust Department, are hereby authorized on behalf of this
Bank, to sign any and all pleadings and papers in probate and other court
proceedings, to execute any indemnity and fidelity bonds, trust agreements,
proxies or other papers or documents of like or different character
necessary, desirable or incidental to the appointment of the Bank in any
fiduciary capacity and the conduct of its business in any fiduciary
capacity; also to foreclose any mortgage, to execute and deliver receipts
for payments of principal, interest, dividends, rents, fees and payments of
every kind and description paid to the Bank; to sign receipts for property
acquired or entrusted to the Bank; also to sign stock or bond certificates
on behalf of this Bank in any fiduciary capacity and on behalf of this Bank
as transfer agent or registrar; to guarantee the genuineness of signatures
on assignments of stocks, bonds or other securities, and to authenticate
bonds, debentures, land or lease trust certificates or other forms of
security issued pursuant to any indenture under which this Bank now or
hereafter is acting as
- 28 -
1/18/94
Trustee. Any such person, as well as such other persons as are
specifically authorized by the Chief Executive Officer or the officer in
charge of the Trust Department, may sign checks, drafts and orders for the
payment of money executed by the Trust Department in the course of its
business.
SECTION 4.08. VOTING OF STOCK. The Chairman of the Board, President, any
------------------------------
officer of the Trust Department, any officer of the trust affiliate of the
Bank and such other persons as may be specifically authorized by Resolution
of the Trust Management Committee or the Board of Directors, may vote
shares of stock of a corporation of record on the books of the issuing
company in the name of the Bank or in the name of the Bank as fiduciary, or
may grant proxies for the voting of such stock of the granting if same is
permitted by the instrument under which the Bank is acting in a fiduciary
capacity, or by the law applicable to such fiduciary account. In the case
of shares of stock which are held by a nominee of the Bank, such shares may
be voted by such person(s) authorized by such nominee.
- 29 -
1/18/94
ARTICLE V
---------
STOCKS AND STOCK CERTIFICATES
-----------------------------
SECTION 5.01. STOCK CERTIFICATES. The shares of stock of the Bank shall
---------------------------------
be evidenced by certificates which shall bear the signature of the Chairman
of the Board, the President, or a Vice President (which signature may be
engraved, printed or impressed), and shall be signed manually by the
Secretary, or any other officer appointed by the Chief Executive Officer
for that purpose.
In case any such officer who has signed or whose facsimile signature has
been placed upon such certificate shall have ceased to be such before such
certificate is issued, it may be issued by the Bank with the same effect as
if such officer had not ceased to be such at the time of its issue. Each
such certificate shall bear the corporate seal of the Bank, shall recite on
its fact that the stock represented thereby is transferable only upon the
books of the Bank properly endorsed and shall recite such other information
as is required by law and deemed appropriate by the Board. The corporate
seal may be facsimile engraved or printed.
SECTION 5.02. STOCK ISSUE AND TRANSFER. The shares of stock of the Bank
---------------------------------------
shall be transferable only upon the stock transfer books of the Bank and
except as hereinafter provided, no transfer shall be made or new
certificates issued except upon the surrender for cancellation of the
certificate or certificates previously issued therefor. In the case of the
loss, theft, or destruction of any certificate, a new certificate may be
issued in place of such certificate upon the furnishing of any affidavit
setting forth the circumstances of such loss, theft, or destruction and
indemnity satisfactory to the Chairman of the Board, the President, or a
Vice President. The Board of Directors, or the Chief Executive Officer,
may authorize the issuance of a new certificate therefor without the
furnishing of indemnity. Stock Transfer Books, in which all transfers of
stock shall be recorded, shall be provided.
- 30 -
The stock transfer books may be closed for a reasonable period and under
such conditions as the Board of Directors may at any time determine for any
meeting of shareholders, the payment of dividends or any other lawful
purpose. In lieu of closing the transfer books, the Board may, in its
discretion, fix a record date and hour constituting a reasonable period
prior to the day designated for the holding of any meeting of the
shareholders or the day appointed for the payment of any dividend or for
any other purpose at the time as of which shareholders entitled to notice
of and to vote at any such meeting or to receive such dividend or to be
treated as shareholders for such other purpose shall be determined, and
only shareholders of record at such time shall be entitled to notice of or
to vote at such meeting or to receive such dividends or to be treated as
shareholders for such other purpose.
- 31 -
ARTICLE VI
----------
MISCELLANEOUS PROVISIONS
------------------------
SECTION 6.01. SEAL. The impression made below is an impression of the
-------------------
seal adopted by the Board of Directors of BANK ONE, COLUMBUS, NATIONAL
ASSOCIATION. The Seal may be affixed by any officer of the Bank to any
document executed by an authorized officer on behalf of the Bank, and any
officer may certify any act, proceedings, record, instrument or authority
of the Bank.
SECTION 6.02. BANKING HOURS. Subject to ratification by the Executive
----------------------------
Committee, the Bank and each of its Branches shall be open for business on
such days and during such hours as the Chief Executive Officer of the Bank
shall, from time to time, prescribe.
SECTION 6.03. MINUTE BOOK. The organization papers of this Bank, the
--------------------------
Articles of Association, the returns of the judges of elections, the By-
Laws and any amendments thereto, the proceedings of all regular and special
meetings of the shareholders and of the Board of Directors, and reports of
the committees of the Board of Directors shall be recorded in the minute
book of the Bank. The minutes of each such meeting shall be signed by the
presiding Officer and attested by the secretary of the meetings.
SECTION 6.04. AMENDMENT OF BY-LAWS. These By-Laws may be amended by vote
-----------------------------------
of a majority of the Directors.
- 32 -
EXHIBIT 6
Securities and Exchange Commission
Washington, D.C. 20549
CONSENT
-------
The undersigned, designated to act as Trustee under the Indenture for
AmeriCredit Corp. described in the attached Statement of Eligibility and
Qualification, does hereby consent that reports of examinations by Federal,
State, Territorial, or District Authorities may be furnished by such
authorities to the Commission upon the request of the Commission.
This Consent is given pursuant to the provision of Section 321(b) of the
Trust Indenture Act of 1939, as amended.
Bank One, Columbus, NA
Dated: March 3, 1997
By: /s/ Ted Kravits
--------------------------------
Ted Kravits
Authorized Signer
- 33 -
Board of Governors of the Federal Reserve System
OMB Number: 7100-0036
Federal Deposit Insurance Corporation
OMB Number: 3064-0052
Office of the Comptroller of the Currency
OMB Number: 1557-0081
Expires March 31, 1999
Federal Financial Institutions Examination Council
- --------------------------------------------------------------------------------
[LOGO APPEARS HERE] 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. (S)324 (State member banks); 12 U.S.C.
(S)1817 (State nonmember banks); and 12 U.S.C. (S)161 (National banks).
This report form is to be filed by banks with branches and consolidated
subsidiaries in U.S. territories and possessions, Edge or Agreement
subsidiaries, foreign branches, consolidated foreign subsidiaries, or
International Banking Facilities.
- --------------------------------------------------------------------------------
NOTE: The Reports of Condition and Income must be signed by an authorized
officer and the Report of Condition must be attested to by not less than two
directors (trustees) for State nonmember banks and three directors for State
member and National banks.
I, Richard D. Nadler, Controller
------------------------------
Name and Title of Officer Authorized to Sign Report
of the named bank do hereby declare that these Reports of Condition and Income
(including the supporting schedules) have been prepared in conformance with the
instructions issued by the appropriate Federal regulatory authority and are true
to the best of my knowledge and belief.
/s/ R. D. Nadler
- --------------------------------
Signature of Officer Authorized to Sign Report
1/30/97
- --------------------------------
Date of Signature
The Reports of Condition and Income are to be prepared in accordance with
Federal regulatory authority instructions. NOTE: These instructions may in some
cases differ from generally accepted accounting principles.
We, the undersigned directors (trustees), attest to the correctness of this
Report of Condition (including the supporting schedules) and declare that it has
been examined by us and to the best of our knowledge and belief has been
prepared in conformance with the instructions issued by the appropriate Federal
regulatory authority and is true and correct.
[SIGNATURE APPEARS HERE]
- --------------------------------
Director (Trustee)
[SIGNATURE APPEARS HERE]
- --------------------------------
Director (Trustee)
[SIGNATURE APPEARS HERE]
- --------------------------------
Director (Trustee)
- --------------------------------------------------------------------------------
For Banks Submitting Hard Copy Report Forms:
State Member Banks: Return the original and one copy to the appropriate Federal
Reserve District Bank.
State Nonmember Banks: Return the original only in the special return address
envelope provided. If express mail is used in lieu of the special return
address envelope, return the original only to the FDIC, c/o Quality Data
Systems, 2127 Espey Court, Suite 204, Crofton, MD 21114.
National Banks: Return the original only in the special return address envelope
provided. If express mail is used in lieu of the special return address
envelope, return the original only to the FDIC, c/o Quality Data Systems, 2127
Espey Court, Suite 204, Crofton, MD 21114.
- --------------------------------------------------------------------------------
FDIC Certificate Number ___________
(RCRI 9050)
Banks should affix the address label in this space.
Bank One, Columbus, National Association
- -----------------------------------------------------------
Legal Title of Bank (TEXT 9010)
100 East Broad Street
- -----------------------------------------------------------
City (TEXT 9130)
Columbus OH 43271
- -----------------------------------------------------------
State Abbrev. (TEXT 9200) Zip Code (TEXT 9220)
Board of Governors of the Federal Reserve System, Federal Deposit Insurance
Corporation, Office of the Comptroller of the Currency
[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
Report of Condition
Schedule RC--Balance Sheet.............................................. RC-1, 2
Schedule RC-A--Cash and Balances Due
From Depository Institutions............................................. RC-3
Schedule RC-B--Securities............................................ RC-3, 4, 5
Schedule RC-C--Loans and Lease Financing
Receivables:
Part I. Loans and Leases.............................................. RC-6, 7
Part II. Loans to Small Businesses and
Small Farms (included in the forms for
June 30 only)..................................................... RC-7a, 7b
Schedule RC-D--Trading Assets and Liabilities
(to be completed only by selected banks)................................. RC-8
Schedule RC-E--Deposit Liabilities................................. RC-9, 10, 11
Schedule RC-F--Other Assets............................................... RC-11
Schedule RC-G--Other Liabilities.......................................... RC-11
Schedule RC-H--Selected Balance Sheet Items
for Domestic Offices.................................................... RC-12
Schedule RC-I--Selected Assets and Liabilities
of IBFs................................................................. RC-13
Schedule RC-K--Quarterly Averages......................................... RC-13
Schedule RC-L--Off-Balance Sheet
Items........................................................... RC-14, 15, 16
Schedule RC-M--Memoranda.............................................. RC-17, 18
Schedule RC-N--Past Due and Nonaccrual
Loans, Leases, and Other Assets..................................... RC-19, 20
Schedule RC-O--Other Data for Deposit
Insurance Assessments............................................... RC-21, 22
Schedule RC-R--Regulatory Capital..................................... RC-23, 24
Optional Narrative Statement Concerning
the Amounts Reported in the Reports
of Condition and Income................................................. RC-25
Special Report (to be completed by all banks)
Schedule RC-J--Repricing Opportunities (sent only to
and to be completed only by savings banks)
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
For information or assistance, National and State nonmember banks should contact
the FDIC's Call Reports Analysis Unit, 550 17th Street, NW, Washington D.C.
20429, toll free on (800) 688-FDIC(3342), Monday through Friday between
8:00 a.m. and 5:00 p.m., Eastern time. State member banks should contact their
Federal Reserve District Bank.
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RI-1
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
Consolidated Report of Income
for the period January 1, 1996-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 115,602 1.a.(1)(a)
(b) Loans to depository institutions................................................... 4019 92 1.a.(1)(b)
(c) Loans to finance agricultural production and other loans to farmers................ 4024 930 1.a.(1)(c)
(d) Commercial and industrial loans.................................................... 4012 79,834 1.a.(1)(d)
(e) Acceptances of other banks......................................................... 4026 0 1.a.(1)(e)
(f) Loans to individuals for household, family, and other personal expenditures: //////////////////
(1) Credit cards and related plans................................................. 4054 449,921 1.a.(1)(f)(1)
(2) Other.......................................................................... 4055 96,758 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 158 1.a.(1)(h)(1)
(2) Tax-exempt obligations......................................................... 4504 1,075 1.a.(1)(h)(2)
(i) All other loans in domestic offices................................................ 4058 8,970 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 70,449 1.b.(1)
(2) Tax-exempt leases...................................................................... 4307 67 1.b.(2)
c. Interest income on balances due from depository institutions:(1) //////////////////
(1) In domestic offices.................................................................... 4105 5 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 21,966 1.d.(1)
(2) Securities issued by states and political subdivisions in the U.S.: //////////////////
(a) Taxable securities................................................................. 4506 1 1.d.(2)(a)
(b) Tax-exempt securities.............................................................. 4507 2,771 1.d.(2)(b)
(3) Other domestic debt securities......................................................... 3657 628 1.d.(3)
(4) Foreign debt securities................................................................ 3658 214 1.d.(4)
(5) Equity securities (including investments in mutual funds).............................. 3659 229 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: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC 03
Address: 100 East Broad Street Page R-3
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
---------------
Schedule RI--Continued
--------------
Dollar Amounts in Thousands Year-to-date
- --------------------------------------------------------------------------------------------------------
1. Interest income (continued) RIAD Bil Mil Thou
f. Interest income on federal funds sold and securities purchased under //////////////////
agreements to resell in domestic offices of the bank and of its Edge //////////////////
and Agreement subsidiaries, and in IBFs..................................... 4020 14,116 1.f.
g. Total interest income (sum of items 1.a through 1.f)........................ 4107 863,788 1.g.
2. Interest expense: //////////////////
a. Interest on deposits: //////////////////
(1) Interest on deposits in domestic offices: //////////////////
(a) Transaction accounts (NOW accounts, ATS accounts, and //////////////////
telephone and preauthorized transfer accounts)...................... 4508 1,317 2.a.(1)(a)
(b) Nontransaction accounts: //////////////////
(1) Money market deposit accounts (MMDAs)........................... 4509 53,152 2.a.(1)(b)(1)
(2) Other savings deposits.......................................... 4511 25,261 2.a.(1)(b)(2)
(3) Time certificates of deposit of $100,000 or more................ 4174 6,248 2.a.(1)(b)(3)
(4) All other time deposits......................................... 4512 60,099 2.a.(1)(b)(4)
(2) Interest on deposits in foreign offices, Edge and Agreement //////////////////
subsidiaries, and IBFs.................................................. 4172 33,767 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 79,224 2.b.
c. Interest on demand notes issued to the U.S. Treasury, trading //////////////////
liabilities, and other borrowed money....................................... 4185 54,028 2.c.
d. Interest on mortgage indebtedness and obligation under capitalized //////////////////
leases...................................................................... 4072 373 2.d.
e. Interest on subordinated notes and debentures............................... 4200 11,704 2.e.
f. Total interest expense (sum of items 2.a through 2.e)....................... 4073 325,173 2.f.
----------------------
3. Net interest income (item 1.g minus 2.f)....................................... ////////////////// RIAD 4074 538,615 3.
----------------------
4. Provisions: //////////////////
----------------------
a. Provision for loan and lease losses......................................... ////////////////// RIAD 4230 292,629 4.
b. Provision for allocated transfer risk....................................... ////////////////// RIAD 4243 0 4.
----------------------
5. Noninterest income: //////////////////
a. Income from fiduciary activities............................................ 4070 37,418 5.a.
b. Service charges on deposit accounts in domestic offices..................... 4080 39,518 5.b.
c. Trading revenue (must equal Schedule RI, sum of Memorandum //////////////////
items 8.a through 8.d)...................................................... A220 0 5.c.
d. Other foreign transaction gains (losses).................................... 4076 1,981 5.d.
e. Not applicable //////////////////
f. Other noninterest income: //////////////////
(1) Other fee income........................................................ 5407 279,551 5.f.(1)
(2) All other noninterest income*........................................... 5408 100,816 5.f.(2)
----------------------
g. Total noninterest income (sum of items 5.a through 5.f)..................... ////////////////// RIAD 4079 459,284 5.
6. a. Realized gains (losses) on held-to-maturity securities...................... ////////////////// RIAD 3521 (49) 6.
b. Realized gains (losses) on available-for-sale securities.................... ////////////////// RIAD 3196 9 6.
----------------------
7. Noninterest expense: //////////////////
a. Salaries and employee benefits.............................................. 4135 151,416 7.a.
b. Expenses of premises and fixed assets (net of rental income) //////////////////
(excluding salaries and employee benefits and mortgage interest)............ 4217 26,832 7.b.
c. Other noninterest expense*.................................................. 4092 482,880 7.c.
----------------------
d. Total noninterest expense (sum of items 7.a through 7.c).................... ////////////////// RIAD 4093 661,128 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 44,102 8.
9. Applicable income taxes (on item 8)............................................ ////////////////// RIAD 4302 12,711 9.
-----------------------
10. Income (loss) before extraordinary items and other adjustments (item 8 //////////////////
-----------------------
minus 9)....................................................................... ////////////////// RIAD 4300 31,391 10.
-----------------------------------------
- -----------
*Describe on Schedule RI-E--Explanations.
4
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK 39-1580 FFIEC 031
Address: 100 East Broad Street Page RI-3
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.:[0][6][5][5][9]
---------------
Schedule RI -- Continued
-----------------
Year-to-date
-----------------------
Dollar Amounts in Thousands RIAD Bil Mil Thou
- ------------------------------------------------------------------------- ----------------------
11. Extraordinary items and other adjustments: //////////////////
a. Extraordinary items and other adjustments, gross of income taxes*. 4310 0 11.a
b. Applicable income taxes (on item 11.a)* .......................... 4315 0 11.b
c. Extraordinary items and other adjustments, net of income taxes ////////////////// ------------------------
(item 11.a minus 11.b) ........................................... ////////////////// RIAD 4320 0 11.c
12. Net income (loss) (sum of items 10 and 11.c) ........................ ////////////////// RIAD 4340 31,391 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 190 M.1.
2. Income from the sale and servicing of mutual funds and annuities in domestic offices //////////////////
(included in Schedule RI, item 8) ............................................................. 8431 1,857 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 3,561 M.5.
6. Not applicable //////////////////
7. If the reporting bank has restated its balance sheet as a result of applying push down //// MM DD YY
accounting this calendar year, report the date of the bank's acquisition ...................... 9106 00/00/00 M.7.
8. Trading revenue (from cash instruments and off-balance sheet derivative instruments) //////////////////
(sum of Memorandum items 8.a through 8.d must equal Schedule RI, item 5.c): //// Bil Mil Thou
a. Interest rate exposures .................................................................... 8757 0 M.8.a.
b. Foreign exchange exposures ................................................................. 8758 0 M.8.b.
c. Equity security and index exposures ........................................................ 8759 0 M.8.c.
d. Commodity and other exposures .............................................................. 8760 0 M.8.d.
9. Impact on income of off-balance sheet derivatives held for purposes other than trading: //////////////////
a. Net increase (decrease) to interest income ................................................. 8761 (36) M.9.a.
b. Net (increase) decrease to interest expense ................................................ 8762 (2,261) M.9.b.
c. Other (noninterest) allocations ............................................................ 8763 (307) M.9.c.
10. Credit losses on off-balance sheet derivatives (see - instructions) ........................... A251 0 M.10
---------------------
- ---------------------
* Describe on Schedule RI-E--Explanations.
5
Legal Title of Bank: BANK ONE, Columbus, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC
Address: 100 East Broad Street Page RI
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.:[0][6][5][5][9]
---------------
Schedule RI-A--Changes in Equity Capital
Indicate decrease and losses in parentheses.
----------
I483 XXX
---------------------
Dollar Amounts in Thousands RIAD Bil Mil Thou
- ------------------------------------------------------------------------------------------------------ ---------------------
1. Total equity capital originally reported in the December 31, 1995, Reports of Condition //////////////////
and income ...................................................................................... 3215 501,192 1.
2. Equity capital adjustments from amended Reports of Income, net* ................................. 3216 (10,104) 2.
3. Amended balance and of previous calendar year (sum of items 1 and 2) ............................ 3217 491,088 3.
4. Net income (loss) (must equal Schedule RI, item 12) ............................................. 4340 31,391 4.
5. Sale, conversion, acquisition, or retirement of capital stock, net .............................. 4346 0 5.
6. Changes, incident to business combinations, net ................................................. 4356 0 6.
7. LESS: Cash dividends declared on preferred stock ................................................ 4470 0 7.
8. LESS: Cash dividends declared on common stock ................................................... 4460 16,000 8.
9. Cumulative effect of changes in accounting principles from prior years* (see instructions for //////////////////
this schedule) .................................................................................. 4411 0 9.
10. Corrections of material accounting errors from prior years* (see instructions for this schedule) 4412 0 10.
11. Change in net unrealized holding gains (losses) on available-for-sale securities ................ 8433 (4,665) 11.
12. Foreign currency translation adjustment ......................................................... 4414 0 12.
13. Other transactions with parent holding company* (not included in items 5, 7, or 8 above) ........ 4415 173,594 13.
14. Total equity capital end of current period (sum of items 3 through 13) (must equal //////////////////
Schedule RC, item 28) ........................................................................... 3210 675,408 14.
---------------------
- --------------------
* Description 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 XXX
------------------------------------------
(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 3,364 4661 2,014 1.a.
b. To non-U.S. addressees (domicile) ...................................... 4652 0 4662 0 1.b.
2. Loans to depository institutions and acceptance of other banks: ////////////////// //////////////////
a. To U.S. banks and other U.S. depository institutions ................... 4653 0 4663 0 2.a.
b. To foreign banks ....................................................... 4654 0 4664 0 2.b.
3. Loans to finance agricultural production and other loans to farmers ....... 4655 21 4665 21 3.
4. Commerical and industrial loans: ////////////////// //////////////////
a. To U.S. addressees (domicile) .......................................... 4645 2,744 4617 826 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 196,606 4666 21,147 5.a.
b. Other (includes single payment, installment, and all student loans) .... 4657 23,926 4667 13,861 5.b.
6. Loans to foreign governments and official institutions .................... 4643 0 4627 0 6.
7. All other loans ........................................................... 4644 435 4628 755 7.
8. Lease financing receivables: ////////////////// //////////////////
a. Of U.S. addressees (domicile) .......................................... 4658 2,109 4668 425 8.a.
b. Of non-U.S. addressees (domicile) ...................................... 4659 0 4669 0 8.b.
9. Total (sum of items 1 through 8) .......................................... 4635 229,205 4605 39,049 9.
------------------------------------------
6
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RI-5
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
---------------
Schedule RI-B--Continued
Part I. Continued
------------------------------------------
(Column A) (Column B)
Charge-offs Recoveries
-------------------- --------------------
Calendar year-to-date
Memoranda ------------------------------------------
Dollar Amounts in Thousands RIAD Bil Mil Thou RIAD Bil Mil Thou
- ------------------------------------------------------------------------------ -------------------- --------------------
1-3. Not applicable ////////////////// //////////////////
4. Loans to finance commercial real estate, construction, and land ////////////////// //////////////////
development activities (not secured by real estate) included in ////////////////// //////////////////
Schedule RI-B, part I, items 4 and 7, above .............................. 5409 0 5410 253 M.4.
5. Loans secured by real estate in domestic offices (included in ////////////////// //////////////////
Schedule RI-B, part I, item 1, above): ////////////////// //////////////////
a. Construction and land development ..................................... 3582 241 3583 158 M.5.a.
b. Secured by farmland ................................................... 3584 0 3585 4 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 1,112 5412 28 M.5.c.(1)
(2) All other loans secured by 1-4 family residential properties ...... 5413 1,871 5414 899 M.5.c.(2)
d. Secured by multifamily (5 or more) residential properties ............. 3588 0 3589 500 M.5.d.
e. Secured by nonfarm nonresidential properties .......................... 3590 140 3591 125 M.5.e.
------------------------------------------
Part II. Changes in Allowance for Loan and Lease Losses
--------------------
Dollar Amounts in Thousands RIAD Bil Mil Thou
- ---------------------------------------------------------------------------------------------------- --------------------
1. Balance originally reported in the December 31, 1995, Reports of Condition and Income .......... 3124 152,121 1.
2. Recoveries (must equal part I, item 9, column B above) ......................................... 4605 39,049 2.
3. LESS: Charge-offs (must equal part I, item 9, column A above) .................................. 4635 229,205 3.
4. Provision for loan and lease losses (must equal Schedule RI, item 4.a) ......................... 4230 292,629 4.
5. Adjustments* (see instructions for this schedule) .............................................. 4815 0 5.
6. Balance end of current period (sum of items 1 through 5) (must equal Schedule RC,- //////////////////
item 4.b) ...................................................................................... 3123 254,594 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 11,332 1.
2. State and local ................................................................................ 4790 1,379 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 12,711 4.
----------------------------
5. Deferred portion of item 4 ......................................... RIAD 4772 32,024 ////////////////// 5.
-------------------------------------------------
7
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC O
Address: 100 East Broad Street Page RI
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
---------------
Schedule RI-D --Income from International Operations
For all banks with foreign offices, Edge or Agreement subsidiaries, or IBFs where international operations account
for more than 10 percent of total revenue, total assets, or net income.
Part I. Estimated Income from International Operations
--------
I492 -
----- --------
Year-to-date
------ --------------
Dollar Amounts in Thousands RIAD Bil Mil Thou
- ------------------------------------------------------------------------------------------------ ---------------------
1. Interest income and expense booked at foreign offices, Edge and Agreement subsidiaries, //////////////////
and IBFs: //////////////////
a. Interest income booked ................................................................... 4837 144 1.a
b. Interest expense booked .................................................................. 4838 33,767 1.b
c. Net interest income booked at foreign offices, Edge and Agreement subsidiaries, and //////////////////
IBFs (item 1.a minus 1.b) ............................................................... 4839 (33,623) 1.c
2. Adjustments for booking location of international operations: //////////////////
a. Net interest income attributable to international operations booked at domestic offices... 4840 0 2.a.
b. Net interest income attributable to domestic business booked at foreign offices........... 4841 0 2.b.
c. Net booking location adjustment (item 2.a minus 2.b) ..................................... 4842 0 2.c.
3. Noninterest income and expense attributable to international operations: //////////////////
a. Noninterest income attributable to international operations .............................. 4097 0 3.a.
b. Provision for loan and lease losses attributable to international operations ............. 4235 0 3.b.
c. Other noninterest expense attributable to international operations ....................... 4239 0 3.c.
d. Net noninterest income (expense) attributable to international operations (item 3.a minus //////////////////
3.b and 3.c) ............................................................................. 4843 0 3.d
4. Estimated pretax income attributable to international operations before capital allocation //////////////////
adjustment (sum of items 1.c, 2.c, and 3.d) ................................................ 4844 (33,623) 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 0 5.
6. Estimated pretax income attributable to international operations after capital allocation //////////////////
adjustment (sum of items 4 and 5) .......................................................... 4846 (33,623) 6.
7. Income taxes attributable to income from international operations as estimated in item 6 .... 4797 (11,768) 7.
8. Estimated net income attributable to international operations (item 6 minus 7) .............. 4341 (21,855) 8.
-------------------
Memoranda
---------------------
Dollar Amounts in Thousands RIAD Bil Mil Thou
- ------------------------------------------------------------------------------------------------ ---------------------
1. Intracompany interest income included in item 1.a above ..................................... 4847 0 M.1.
2. Intracompany interest expense included in item 1.b above .................................... 4848 0 M.2.
---------------------
Part II. Supplementary Details 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 0
2. Interest expense booked at IBFs ............................................................. 4850 0
3. Noninterest income attributable to international operations booked at domestic offices //////////////////
(excluding IBFs): //////////////////
a. Gains (losses) and extraordinary items ................................................... 5491 0 3.a.
b. Fees and other noninterest income ........................................................ 5492 0 3.b.
4. Provision for loan and lease losses attributable to international operations booked at //////////////////
domestic offices (excluding IBFs) ........................................................... 4852 0 4.
5. Other noninterest expense attributable to international operations booked at domestic offices //////////////////
(excluding IBFs) ............................................................................ 4853 0 5.
---------------------
8
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST - BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RI - 7
City, State Zip: Columbus, OH 43271-1006
FDIC Certificate No. : [0][6][5][5][9]
---------------
Schedule RI - E -- Explanations
Schedule RI - E is to be completed each quarter on a calendar year-to-date basis.
Detail all adjustments in Schedule RI-A and RI-B, all extraordinary items and other adjustments in Schedule RI, and all significant
items of other noninterest income and other noninterest expense in Schedule RI. (See instructions for details.)
I495
-----------
Year-to-date
--------------------
Dollar Amounts in Thousands RAID 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, //////////////////
items 5.f. (2) : //////////////////
----------
d. TEXT 4461 Card Processing Income 4461 80,192 1.d
-------------------------------------------------------------------------------------------
e. TEXT 4462 Installment Loan Servicing Income 4462 11,141 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 6,539 2.a
Report amounts that exceed 10% of Schedule RI, item 7.c.: //////////////////
b. Net losses on other real estate owned...................................................... 5418 0 2.b
c. Net losses on sales of loans............................................................... 5419 0 2.c
d. Net losses on sales of premises and fixed assets........................................... 5420 0 2.d
Itemize and describe the three largest other amounts that exceed 10% of Schedule RI, //////////////////
item 7.c. //////////////////
----------
e. TEXT 4464 Data Processing 4464 127,687 2.e
-------------------------------------------------------------------------------------------
f. TEXT 4467 4467 2.f
-------------------------------------------------------------------------------------------
g. TEXT 4468 4468 2.g
-------------------------------------------------------------------------------------------
3. Extraordinary items and other adjustments (from Schedule RI, item 11.a) and applicable //////////////////
income tax effect (from Schedule RI, item 11.b) (itemize and describe all extraordinary //////////////////
items and other adjustments): //////////////////
-----------
a. (1) TEXT 4469 4469 3.a.(1)
--------------------------------------------------------------------------------------
(2) Applicable income tax effect RIAD 4486 ////////////////// 3.a.(2)
----------- ----------------------------
b. (1) TEXT 4487 4487 3.b.(1)
--------------------------------------------------------------------------------------
(2) Applicable income tax effect RAID 4488 ////////////////// 3.b.(2)
----------- ----------------------------
c. (1) TEXT 4489 4489 3.c.(1)
--------------------------------------------------------------------------------------
(2) Applicable income tax effect RAID 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 Equity Capital Adjustment from Amended Call Report 4492 (10,104) 4.a.
-------------------------------------------------------------------------------------------
b. TEXT 4493 4493 4.b
-------------------------------------------------------------------------------------------
5. Cumulative effect of changes in accounting principles from prior years //////////////////
(from Schedule RI-A, item 9) (itemize and describe all changes in accounting principles): //////////////////
----------
a. TEXT 4494 4494 5.a.
-------------------------------------------------------------------------------------------
b. TEXT 4495 4495 5.b.
-------------------------------------------------------------------------------------------
6. Corrections of material accounting errors from prior years (from Schedule RI-A, item 10) //////////////////
itemize and describe all corrections): //////////////////
----------
a. TEXT 4496 4496 6.a.
-------------------------------------------------------------------------------------------
b. TEXT 4497 4497 6.b.
--------------------------------------------------------------------------------------------------------------------
9
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC
Address: 100 East Broad Street Page RI
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
---------------
Schedule RI-E--Continued
---------------
Year-to-date
--------------------
Dollar Amounts in Thousands RIAD Bil Mil Thou
- -------------------------------------------------------------------------------- --------------------
7. Other transactions with parent holding company (from Schedule RI-A, item 13) ////////////////////
(itemize and describe all such transactions): ////////////////////
----------
a. TEXT 4498 Capital Contribution 4498 173,594 7.a.
--------------------------------------------------------------------------
b. TEXT 4499 4499 7.b.
--------------------------------------------------------------------------
8. Adjustments to allowance for loan and lease losses (from Schedule RI-B, part ////////////////////
II, item 5) (itemize and describe all adjustments): ////////////////////
----------
a. TEXT 4521 4521 8.a.
--------------------------------------------------------------------------
b. TEXT 4522 4522 8.b.
--------------------------------------------------------------------------
9. Other explanations (the space below is provided for the bank to briefly --------------------
describe, a its option, any other significant items affecting the Report of I498 I499
Income): --------------------
No comment [_] (RIAD 4769)
Other explanations (please type or print clearly):
(TEXT 4769)
10
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC 031
Address: 100 Ease Broad Street Page RC-1
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
---------------
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 843,296 1.a.
b. Interest-bearing balances (2)............................................................. 0071 5 1.b.
2. Securities: //////////////////
a. Held-to-maturity securities (from Schedule RC-B, column A)................................ 1754 35,729 2.a.
b. Available-for-sale securities (from Schedule RC-B, column D).............................. 1773 622,046 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 340,096 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 8,523,564 ////////////////// 4.a.
b. LESS: Allowance for loan and lease losses........................ RCFD 3123 254,594 ////////////////// 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 8,268,970 4.d.
5. Trading assets (from Schedule RC-D).......................................................... 3545 0 5.
6. Premises and fixed assets (including capitalized leases)..................................... 2145 65,094 6.
7. Other real estate owned (from Schedule RC-M)................................................. 2150 6,543 7.
8. Investments in unconsolidated subsidiaries and associated companies (from Schedule RC-M)..... 2130 2,436 8.
9. Customers' liability to this bank on acceptances outstanding................................. 2155 5,730 9.
10. Intangible assets (from Schedule RC-M)....................................................... 2143 34,111 10.
11. Other assets (from Schedule RC-F)............................................................ 2160 450,453 11.
12. Total assets (sum of items 1 through 11)..................................................... 2170 10,674,509 12.
----------------------
- -------------------
11. Includes cash items in process of collection and unposted debits.
12. Includes time certificates of deposit not held for trading.
11
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC C
ADDRESS: 100 East Broad Street Page RC
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.:[0][6][5][5][9]
---------------
Schedule RC--Continued
----------------------------
Dollar Amounts in Thousands ////// Bil Mil Thou
- ------------------------------------------------------------------------------------------------------------------------------------
LIABILITIES //////////////////
13. Deposits: //////////////////
a. In domestic offices (sum of totals of columns A and C from Schedule RC-E, //////////////////
Part I)......................................................................................... RCON 2200 4,560,222 13.a.
---------------------
(1) Noninterest-bearing (1) ...............................................RCON 6631 1,705,451 ////////////////// 13.a.(
(2) Interest-bearing ......................................................RCON 6636 2,854,771 ////////////////// 13.a.(
---------------------
b. In foreign offices, Edge and Agreement subsidiaries, and IBFs (from Schedule RC-E, //////////////////
part II)........................................................................................ RCFN 2200 1,143,910 13.b.
---------------------
(1) Noninterest-bearing....................................................RCFN 6631 0 ////////////////// 13.b.(
(2) Interest-bearing.......................................................RCFN 6636 1,143,910 ////////////////// 13.B.(
---------------------
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 2,063,655 14.a.
b. Securities sold under agreements to repurchase.................................................. RCFD 0279 0 14.b.
15. a. Demand notes issued to the U.S. Treasury........................................................ RCON 2840 43,633 15.a.
b. Trading liabilities (from Schedule RC-D)........................................................ RCFD 3548 0 15.b.
16. Other borrowed money: //////////////////
a. With a remaining maturity of one year or less................................................... RCFD 2332 1,341,487 16.a.
b. With a remaining maturity of more than one year................................................. RCFK 2333 403,824 16.b.
17. Mortgage indebtedness and obligations under capitalized leases..................................... RCFD 2910 3,878 17.
18. Bank's liability on acceptances executed and outstanding........................................... RCFD 2920 5,730 18.
19. Subordinated notes and debentures.................................................................. RCFD 3200 264,328 19.
20. Other liabilities (from Schedule RC-G)............................................................. RCFD 2930 168,434 20.
21. Total liabilities (sum of items 13 through 20)..................................................... RCFD 2948 9,999,101 21.
//////////////////
22. Limited-life preferred stock and related surplus................................................... RCFD 3282 0 22.
EQUITY CAPITAL //////////////////
23. Perpetual preferred stock and related surplus...................................................... RDFD 3838 0 23.
24. Common stock....................................................................................... RCFD 3230 20,738 24.
25. Surplus (exclude all surplus related to preferred stock)........................................... RCFD 3839 280,950 25.
26. a. Undivided profits and capital reserves.......................................................... RCFD 3632 376,654 26.a.
b. Net unrealized holding gains (losses) on available-for-sale securities.......................... RCFD 8434 (2,934) 26.b.
27. Cumulative foreign currency translation adjustments................................................ RCFD 3284 0 27.
28. Total equity capital (sum of items 23 through 27).................................................. RCFD 3210 675,408 28.
29. Total liabilities, limited-life preferred stock, and equity capital (sum of items 21, 22, //////////////////
and 28)............................................................................................ RCFD 330010,674,509 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 Number
comprehensive level of auditing work performed for the bank by independent external auditors as -------------------
of any date during 1995............................................................................ RCFD 6724 N/A M.1.
-------------------
1 = Independent audit of the bank conducted in accordance with generally
accepted auditing standards by a certified public accounting firm which
submits a report on the bank
2 = Independent audit of the bank's parent holding company conducted in
accordance with generally accepted auditing standards by a certified public
accounting firm which submits a report on the consolidated holding company
(but not on the bank separately)
3 = Directors' examination of the bank conducted in accordance with generally
accepted auditing standards by a certified public accounting firm (may be
required by state chartering authority)
4 = Directors' examination of the bank performed by other external auditors (may
be required by state chartering authority)
5 = Review of the bank's financial statements by external auditors
6 = Compilation of the bank's financial statements by external auditors
7 = Other audit procedures (excluding tax preparation work)
8 = No external audit work
- ------------
(1) Includes total demand deposits and noninterest-bearing time and savings
deposits.
12
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-3
Columbus, OH 43271-1066
FDIC Certificate No: [0][6][5][5][9]
---------------
Schedule RC-A--Cash and Balances Due From Depository Institutions
Exclude assets held for trading.
-------------
C405
-----------------------------------------------
(Column A) (Column B)
Consolidated Domestic
Bank Offices
-----------------------------------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou RCON Bil Mil Thou
- ----------------------------------------------------------------------------------------------------------------------------
1. Cash items in process of collection, unposted debits, and currency and ////////////////// //////////////////
coin...................................................................... 0022 734,399 ////////////////// 1.
a. Cash items in process of collection and unposted debits................ ////////////////// 0020 672,636 1.a
b. Currency and coin ..................................................... ////////////////// 0080 61,763 1.b
2. Balances due from depository institutions in the U.S...................... ////////////////// 0082 42,462 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 despository institutions ////////////////// //////////////////
in the U.S. (including their IBFs)..................................... 0085 42,462 ////////////////// 2.b
3. Balances due from Banks in foreign countries and foreign central banks.... ////////////////// 0070 3,263 3.
a. Foreign branches of other U.S. Banks................................... 0073 0 ////////////////// 3.a.
b. Other banks in foreign countries and foreign central banks............. 0074 3,263 ////////////////// 3.b.
4. Balances due from Federal Reserve Banks................................... 0090 63,177 0090 63,177 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 843,301 0010 843,301 5.
-----------------------------------------------
-----------------------------------------------
Memorandum Dollar Amount 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 42,462 M.1
Schedule RC-B--Securities
Exclude assets held for trading. ------------
C410
--------------------------------------------------------------------------------------
Held-to-maturity Available-for-sale
--------------------------------------------------------------------------------------
(Column A) (Column B) (Column C) (Column D)
Amortized Cost Fair Value Amortized Cost Fair Value (1)
--------------------------------------------------------------------------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou
- ---------------------------------------------------------------------------------------------------------------------------
1. U.S. Treasury securities ...... 0211 0 0213 0 1286 359,538 1267 354,164 1.
2. U.S. Government agency ////////////////// ////////////////// ////////////////// //////////////////
and corporation obligations ////////////////// ////////////////// ////////////////// //////////////////
(exclude mortgage-backed ////////////////// ////////////////// ////////////////// //////////////////
securities): ////////////////// ////////////////// ////////////////// //////////////////
a. Issued by U.S. Govern- ////////////////// ////////////////// ////////////////// //////////////////
ment agencies (2) ......... 1289 87,647 1290 0 1291 0 1293 0 2.a
b. Issued by U.S. ////////////////// ////////////////// ////////////////// //////////////////
Government-sponsored ////////////////// ////////////////// ////////////////// //////////////////
agencies (3) ............ 1294 0 1295 0 1297 87,647 1298 87,318 2.b
---------------------------------------------------------------------------------------
- -----------------------
1) Includes equity securities without readily determinable fair values at historical cost in item 6.c, column D.
2) Includes Small Business Administration "Guaranteed Loan Pool Certificates," U.S. Maritime Administration obligations, and
Export-Import Bank participation certificates.
3) Includes obligations (other than mortgage-backed securities) issued by the Farm Credit System, the Federal Home
Loan Bank System, the Federal Home Loan Mortgage Corporation, the Federal National Mortgage Association, the Financing
Corporation, Resolution Funding Corporation, the Student Loan Marketing Association, and the Tennessee Valley Authority.
13
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC 03
Address: 100 East Broad Street Page RC-
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
---------------
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 12,079 1677 16,081 1678 0 1679 0 3.a.
b. Revenue obligations.............. 1681 12,635 1686 10,143 1690 845 1691 863 3.b.
c. Industrial development ///////////////// ///////////////// ///////////////// /////////////////
and similar obligations.......... 1694 7,783 1695 7,806 1696 0 1697 0 3.c.
4. Mortgage-backed ///////////////// ///////////////// ///////////////// /////////////////
securities (MBS): ///////////////// ///////////////// ///////////////// /////////////////
a. Pass-through securities: ///////////////// ///////////////// ///////////////// /////////////////
(1) Guaranteed by ///////////////// ///////////////// ///////////////// /////////////////
GNMA......................... 1698 0 1699 0 1701 41,935 1702 41,969 4.a.
(2) Issued by FNMA ///////////////// ///////////////// ///////////////// /////////////////
and FHLMC.................... 1703 0 1705 0 1706 110,145 1707 111,114 4.a.
(3) Other pass-through ///////////////// ///////////////// ///////////////// /////////////////
securities................... 1709 482 1710 470 1711 5,579 1713 5,714 4.a.
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 16,583 1717 16,602 4.b.
(2) Collateralized ///////////////// ///////////////// ///////////////// /////////////////
by MBS issued or ///////////////// ///////////////// ///////////////// /////////////////
guaranteed by FNMA, ///////////////// ///////////////// ///////////////// /////////////////
FHLMC, or GNMA............... 1718 0 1719 0 1731 0 1732 0 4.b.
(3) All other mortgage- ///////////////// ///////////////// ///////////////// /////////////////
backed securities............ 1733 0 1734 0 1735 0 1736 0 4.b.
5. Other debt securities: ///////////////// ///////////////// ///////////////// /////////////////
a. Other domestic debt ///////////////// ///////////////// ///////////////// /////////////////
securities....................... 1737 0 1738 0 1739 445 1741 459 5.a.
b. Foreign debt ///////////////// ///////////////// ///////////////// /////////////////
securities....................... 1742 2,750 1743 2,750 1744 0 1746 0 5.b.
6. Equity securities: ///////////////// ///////////////// ///////////////// /////////////////
a. Investments in mutual ///////////////// ///////////////// ///////////////// /////////////////
funds............................ ///////////////// ///////////////// 1747 0 1748 0 6.a.
b. Other equity securities ///////////////// ///////////////// ///////////////// /////////////////
with readily determin- ///////////////// ///////////////// ///////////////// /////////////////
able fair values................. ///////////////// ///////////////// 1749 0 1751 0 6.b.
c. All other equity ///////////////// ///////////////// ///////////////// /////////////////
securities (1)................... ///////////////// ///////////////// 1752 3,843 1753 3,843 6.c.
7. Total (sum of items 1 ///////////////// ///////////////// ///////////////// /////////////////
through 6) (total of ///////////////// ///////////////// ///////////////// /////////////////
column A must equal ///////////////// ///////////////// ///////////////// /////////////////
Schedule RC, item 2.a) ///////////////// ///////////////// ///////////////// /////////////////
(total of column D must ///////////////// ///////////////// ///////////////// /////////////////
equal Schedule RC, ///////////////// ///////////////// ///////////////// /////////////////
item 2.b)........................... 1754 35,729 1771 37,250 1772 626,560 1773 622,046 7.
-----------------------------------------------------------------------------------
- ---------------
(1) Includes equity securities without readily determinable fair values at
historical cost in item 6.c, column D.
14
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-5
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
---------------
Schedule RC-B--Continued
--------
Memoranda C412
--------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou
- ------------------------------------------------------------------------------------------------ --------------------
1. Pledged securities (2)....................................................................... 0416 631,720 M.1.
2. Maturity and repricing data for debt securities (2), (3), (4) (excluding those in //////////////////
nonaccrual status): //////////////////
a. Fixed rate debt securities with a remaining maturity of: //////////////////
(1) Three months or less.................................................................. 0343 2,338 M.2.a.(1)
(2) Over three months through 12 months................................................... 0344 6,223 M.2.a.(2)
(3) Over one year through five years...................................................... 0345 185,632 M.2.a.(3)
(4) Over five years....................................................................... 0346 382,638 M.2.a.(4)
(5) Total fixed rate debt securities (sum of Memorandum items 2.a.(1) through 2.a.(4)..... 0347 576,831 M.2.a.(5)
b. Floating rate debt securities with a repricing frequency of: //////////////////
(1) Quarterly or more frequently.......................................................... 4544 75,940 M.2.b.(1)
(2) Annually or more frequently, but less frequently than quarterly....................... 4545 565 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 596 M.2.b.(4)
(5) Total floating rate debt securities (sum of Memorandum items 2.b.(1) through 2.b.(4)). 4553 77,101 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 653,932 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 39,228 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)................................................................................. 1776 0 M.7.
8. High-risk mortgage securities (included in the held-to-maturity and available-for-sale //////////////////
accounts in Schedule RC-B, item 4.b): //////////////////
a. Amortized cost............................................................................ 8780 0 M.8.a.
b. Fair value................................................................................ 6781 0 M.8.b.
9. Structured notes (included in the held-to-maturity and available-for-sale accounts in //////////////////
Schedule RC-B, items 2, 3, and 5): //////////////////
a. Amortized cost............................................................................ 8782 0 M.9.a.
b. Fair value................................................................................ 6783 0 M.9.b.
--------------------
- -------------
(2) Includes held-to-maturity securities at amortized cost and available-for-
sale securities at fair value.
(3) Exclude equity securities, e.g., investments in mutual funds, Federal
Reserve stock, common stock, and preferred stock.
(4) Memorandum items 2 and 6 are not applicable to savings banks that must
complete supplemental Schedule RC-J.
15
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC
Address: 100 East Broad Street Page RC
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
---------------
Schedule RC-C--Loans and Lease Financing Receivables
Part I. Loans and Leases
Do not deduct the allowances for loans and leases losses from amounts
reported in this schedule. Report total loans and leases, net of unearned ------------
income. Exclude assets held for trading. C415 -
----------------------------------------
(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 1,315,343 ////////////////// 1.
a. Construction and land development....................................... /////////////////// 1415 151,272 1.a.
b. Secured by farmland (including farm residential and other /////////////////// //////////////////
improvements)............................................................ /////////////////// 1420 5,457 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 239,383 1.c.(1)
(2) All other loans secured by 1-4 family residential properties: /////////////////// //////////////////
(a) Secured by first liens........................................... /////////////////// 5367 211,751 1.c.(2)
(b) Secured by junior liens.......................................... /////////////////// 5368 182,617 1.c.(2)
d. Secured by multifamily (5 or more) residential properties................ /////////////////// 1460 23,415 1.d.
e. Secured by nonfarm nonresidential properties............................. /////////////////// 1480 501,448 1.e.
2. Loans to depository instructions: /////////////////// //////////////////
a. To commercial banks in the U.S........................................... /////////////////// 1505 2,750 2.a.
(1) To U.S. branches and agencies of foreign banks....................... 1506 0 ////////////////// 2.a.(1)
(2) To other commercial banks in the U.S................................. 1507 2,750 ////////////////// 2.a.(2)
b. To other depository institutions in the U.S.............................. 1517 1,517 1517 1,517 2.b.
c. To banks in foreign countries............................................ /////////////////// 1510 0 2.c.
(1) To foreign branches of other U.S. banks.............................. 1513 0 ////////////////// 2.c.(1)
(2) To other banks in foreign countries.................................. 1516 0 ////////////////// 2.c.(2)
3. Loans to finance agricultural production and other loans to farmers......... 1590 14,027 1590 14,027 3.
4. Commercial and industrial loans: /////////////////// //////////////////
a. To U.S. addressees (domicile)............................................ 1763 819,276 1763 819,276 4.a.
b. To non-U.S. addressees (domicile)........................................ 1764 0 1764 0 4.b.
5. Acceptances of other banks: /////////////////// //////////////////
a. Of U.S. banks ........................................................... 1756 0 1756 0 5.a.
b. Of foreign banks ........................................................ 1757 0 1757 0 5.b.
6. Loans to individuals for household, family, and other personal /////////////////// //////////////////
expenditures (i. e., consumer loans) (includes purchased paper) ............ /////////////////// 1975 4,918,304 6.
a. Credit cards and related plans (includes check credit and other /////////////////// //////////////////
revolving credit plans) ................................................. 2008 3,962,115 ////////////////// 6.a.
b. Other (includes single payment, installment, and all student loans)...... 2011 956,189 ////////////////// 6.b.
7. Loans to foreign governments and official institutions (including /////////////////// //////////////////
foreign central banks) ..................................................... 2081 13 2081 13 7.
8. Obligations (other than securities and leases) of states and political /////////////////// //////////////////
subdivisions in the U.S. (includes nonrated industrial development /////////////////// //////////////////
obligations) ............................................................... 2107 22,773 2107 22,773 8.
9. Other loans ................................................................ 1563 215,481 ////////////////// 9.
a. Loans for purchasing or carrying securities (secured and unsecured)...... /////////////////// 1545 9,107 9.a.
b. All other loans (exclude consumer loans) ................................ /////////////////// 1564 206,374 9.b.
10. Lease financing receivables net of unearned income) ....................... /////////////////// 2165 1,214,732 10.
a. Of U.S. addressees (domicile) .......................................... 2182 1,214,732 ////////////////// 10.a
b. Of non-U.S. addressees domicile) ....................................... 2183 0 ////////////////// 10.b
11. LESS: Any unearned income on loans reflected in items 1-9 above ........... 2123 652 2123 652 11.
12. Total loans and leases, net of unearned income (sum of items 1 /////////////////// //////////////////
through 10 minus item 11) (total of columns A must equal /////////////////// //////////////////
Schedule RC, item 4.a) .................................................... 2122 8,523,564 2122 8,523,564 12.
-----------------------------------------
16
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-7
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No. : [0][6][5][5][9]
---------------
Schedule RC-C--Continued
Part I. Continued
----------------------------------------------
(Column A) (Column B)
Consolidated Domestic
Bank Offices
Memoranda ----------------------------------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou RCON Bil Mil Thou
- -----------------------------------------------------------------------------------------------------------------------------
1. Commercial paper included in Schedule RC-C, part I, above .................. 1496 0 1496 0 M.1.
2. Loans and leases restructured and in compliance with modified terms ////////////////// //////////////////
(included in Schedule RC-C, part I, above and not reported as past due ////////////////// //////////////////
or nonaccrual in Schedule RC-N, Memorandum item 1): ////////////////// //////////////////
a. Loans secured by real estate: ////////////////// //////////////////
---------------------
(1) To U.S. addressees (domicile)........................................ 1687 0 M.2.a.(1)
(2) To non-U.S. addressees (domicile).................................... 1689 0 M.2.a.(2)
b. All other loans and all lease financing receivables (exclude loans to //////////////////
individuals for household, family, and other personal expenditures)...... 8691 0 M.2.b.
c. Commercial and industrial loans to and lease financing receivables //////////////////
of non-U.S. addressees (domicile) included in Memorandum item 2.b //////////////////
above.................................................................... 8692 0 M.2.c.
3. Maturity and repricing data for loans and leases (1) (excluding those in //////////////////
nonaccrual status): //////////////////
a. Fixed rate loans and leases with a remaining maturity of: //////////////////
(1) Three months or less................................................. 0348 145,027 M.3.a.(1)
(2) Over three months through 12 months.................................. 0349 205,706 M.3.a.(2)
(3) Over one year through five years..................................... 0356 1,770,565 M.3.a.(3)
(4) Over five years...................................................... 0357 633,855 M.3.a.(4)
(5) Total fixed rate loans and leases (sum of Memorandum //////////////////
items 3.a. (1) through 3.a. (4))..................................... 0358 2,755,153 M.3.a.(5)
b. Floating rate loans with a repricing frequency of: //////////////////
(1) Quarterly or more frequently......................................... 4554 4,931,993 M.3.b.(1)
(2) Annually or more frequently, but less frequently than quarterly...... 4555 738,636 M.3.b.(2)
(3) Every five years or more frequently, but less frequently than //////////////////
annually............................................................. 4561 60,013 M.3.b.(3)
(4) Less frequently than every five years................................ 4564 15,437 M.3.b.(4)
(5) Total floating rate loans (sum of Memorandum items 3.b. (1) //////////////////
through 3.b.(4))..................................................... 4567 5,746,079 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 8,501,232 M.3.c.
d. Floating rate loans with a remaining maturity of one year or less //////////////////
(included in Memorandum items 3.b. (1) through 3.b.(4) above)............ A246 1,718,410 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 50,438 M.4.
5. Loans and leases held for sale (included in Schedule RC-C, part I, //////////////////
above)...................................................................... 5369 1,000,000 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) ////////////////// 5370 22,175 M.6.
---------------------------------------------
- -------------
(1) Memorandum item 3 is not applicable to savings banks that must complete
supplemental Schedule RC-J.
(2) Exclude loans secured by real estate that are included in Schedule RC-C,
part I, item 1, column A.
17
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC 0
Address: 100 East Broad Street Page RC
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
---------------
Schedule RC-D--Trading Assets and Liabilities
Schedule RC-D is to be completed only by banks with $1 billion or more in total assets or with $2 billion or more in par/notional
amount of off-balance sheet derivative contracts (as reported in Schedule RC-L, items 14.a through 14.e, column 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
b. Other mortgage-backed securities issued or guaranteed by FNMA, FHLMC, or GNMA ///////////////////////
(include CMOs, REMICs, and stripped MBS)................................................ RCON 3535 0 4
c. All other mortgage-backed securities.................................................... RCON 3536 0 4
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.
b. In foreign offices..................................................................... RCFN 3544 0 11
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 0 14
15. Total trading liabilities (sum of items 13 and 14) (must equal Schedule RC, item 15.b)..... RCFD 3548 0 15
------------------------
18
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC 03I
Address: 100 East Broad Street Page RC-9
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
---------------
Schedule RC-E--Deposit Liabilities
Part I. Deposits in Domestic Offices
----------
C425
------------------------------------------------------------------
Nontransaction
Transaction Accounts Accounts
------------------------------------------------------------------
(Column A) (Column B) (Column C)
Total transaction Memo: Total Total
accounts (including demand deposits nontransaction
total demand (included in accounts
deposits) column A) (including MMDAs)
-------------------- -------------------- --------------------
Dollar Amounts in Thousands RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou
- --------------------------------------------------------- -------------------- -------------------- --------------------
Deposits Of: /////////////////// /////////////////// ///////////////////
1. Individuals, partnerships, and corporations .......... 2201 1,182,321 2240 1,116,571 2346 2,740,254 1.
2. U.S. Government ...................................... 2202 7,431 2280 7,431 2520 0 2.
3. States and political subdivisions in the U.S. ........ 2203 55,632 2290 53,068 2530 30,482 3.
4. Commercial banks in the U.S. ......................... 2206 486,527 2310 486,527 2550 15,721 4.
5. Other depository institutions in the U.S. ............ 2207 11,223 2312 11,223 2349 0 5.
6. Banks in foreign countries ........................... 2213 11,507 2320 11,507 2236 0 6.
7. Foreign governments and official institutions /////////////////// /////////////////// ///////////////////
(including foreign central banks) .................... 2216 0 2300 0 2377 0 7.
8. Certified and official checks ........................ 2330 19,124 2330 19,124 /////////////////// 8.
9. Total (sum of items 1 through 8) (sum of /////////////////// /////////////////// ///////////////////
columns A and C must equal Schedule RC, /////////////////// /////////////////// ///////////////////
item 13.a) ........................................... 2215 1,773,765 2210 1,705,451 2385 2,786,457 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 227,960 M.1.a.
b. Total brokered deposits ..................................................................... 2365 3,283 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 227 M.1.c.(1)
(2) Issued either in denominations of $100,000 or in denominations greater than //////////////////
$100,000 and participated out by the broker in shares of $100,000 or less ............... 2344 2,350 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 221 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 906 M.1.d.(2)
e. Preferred deposits (uninsured deposits of states and plitical subdivisions in the U.S. //////////////////
reported in item 3 above which are secured or collateralized as required under state law) ... 5590 84,231 M.1.e.
2. Components of total nontransaction accounts (sum of Memorandum items 2.a through 2.d //////////////////
must equal item 9, column C above): //////////////////
a. Savings deposits: //////////////////
(1) Money market deposit accounts (MMDAs) ................................................... 6810 1,307,301 M.2.a.(1)
(2) Other savings deposits (excludes MMDAs) ................................................. 0352 459,528 M.2.a.(2)
b. Total time deposits of less than $100,000 ................................................... 6648 915,613 M.2.b.
c. Time certificates of deposit of $100,000 or more ............................................ 6645 104,015 M.2.c.
c. Open-account time deposits of $100,000 or more .............................................. 6646 0 M.2.d.
3. All NOW accounts (included in column A above) .................................................. 2398 68,314 M.3.
--------------------
4. Not applicable
19
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-10
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
---------------
Schedule RC-E--Continued
Part I. Continued
Memoranda (continued)
-------------------
Dollar Amounts in Thousands RCON Bil Mil Thou
- -----------------------------------------------------------------------------------------------------------------------
5. Maturity and repricing date 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 178,380 M.5.a.(1)
(2) Over three months through 12 months..................................................... A226 261,205 M.5.a.(2)
(3) Over one year........................................................................... A227 476,028 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 date 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 less than $100,000 or more with a remaining maturity of:
(1) Three months or less.................................................................... A232 47,124 M.6.a.(1)
(2) Over three months through 12 months..................................................... A233 29,285 M.6.a.(2)
(3) Over one year through five years........................................................ A234 11,405 M.6.a.(3)
(4) Over five years......................................................................... A235 16,201 M.6.a.(4)
b. Floating rate time deposits of $100,000 or more with a repricing frequency of: //////////////////
(1) Quarterly or more frequently............................................................ A236 0 M.6.b.(1)
(2) Annually or more frequently, but less frequently than quarterly......................... A237 0 M.6.b.(2)
(3) Every five years or more frequently, but less frequently than annually.................. A238 0 M.6.b.(3)
(4) Less frequently than every five years................................................... A239 0 M.6.b.(4)
c. Floating rate time deposits of $100,000 or more with a remaining maturity of: //////////////////
one year or less (included in Memorandum items 6.b.(1) through 6.b.(4) above)............... A240 0 M.6.c.
--------------------
- ----------------
(1) Memorandum items 5 and 6 are not applicable to savings banks that must
complete supplemental Schedule RC-J.
20
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-11
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
---------------
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 614,277 1.
2. U.S. banks (including IBFs and foreign branches of U.S. banks)........................................ 2623 529,633 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 2 through 6) (must equal Schedule RC, item 13.b).................................. 2200 1,143,910 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 0 M.1.
------------------
Schedule RC-F--Other Assets
--------
C-430
------------------
Dollar Amounts in Thousands ///// Bil Mil Thou
- ------------------------------------------------------------------------------------------------------------------------------
1. Income earned, not collected on loans................................................................. RCFD 2164 64,750 1.
2. Net deferred tax assets (1)........................................................................... RCFD 2148 0 2.
3. Excess residential mortgage servicing fees receivable................................................. RCFD 5371 0 3.
4. Other (itemize and describe amounts that exceed 25% of this item)..................................... RCFD 2168 385,703 4.
---------- -------------------------------
a. TEXT 3549 Cash Surrender Value - COLI RCFD 3549 137,741 ////////////////// 4.a.
--------------------------------------------------------------------
b. TEXT 3550 RCFD 3550 ////////////////// 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 450,453 5.
------------------
------------------
Memorandum Dollar Amounts in Thousands ///// Bil Mil Thou
- ------------------------------------------------------------------------------------------------------------------------------
1. Deferred tax assets disallowed for regulatory capital purposes........................................ RCFD 5610 0 M.1.
------------------
Schedule RC-G--Other LIabilities
--------
C435
------------------
Memorandum Dollar Amounts in Thousands ///// Bil Mil Thou
- ------------------------------------------------------------------------------------------------------------------------------
1. a. Interest accrued and unpaid on deposits in domestic offices (2).................................... RCON 3645 22,566 1.a.
b. Other expenses accrued and unpaid (includes accrued income taxes payable).......................... RCFD 3646 20,007 1.b.
2. Net deferred tax liabilities (1)...................................................................... RCFD 3049 101,585 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 24,276 4.
---------- -------------------------------
a. TEXT 3552 Deferred Fees Received on Swaps RCFD 3552 21,241 ////////////////// 4.a.
--------------------------------------------------------------------
b. TEXT 3553 RCFD 3553 ////////////////// 4.b.
--------------------------------------------------------------------
c. TEXT 3554 RCFD 3554 ////////////////// 4.c.
---------------------------------------------------------------------------------------------------
5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20).................................... RCFD 2930 168,434 5.
------------------
- ----------------
1) See discussion of deferred income taxes in Glossary entry on "income taxes."
2) For savings banks, include "dividends" accrued and unpaid on deposits.
21
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC
Address: 100 East-Broad Street Page RC
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
---------------
Schedule RC-H--Selected Balance Sheet Items for Domestic Offices
---------
C440 =
--------------------
Domestic Offices
--------------------
Dollar Amounts in Thousands RCON Bil Mil Thou
- ----------------------------------------------------------------------------------------------------- -----------------------
1. Customers' liability to this bank on acceptances outstanding...................................... 2155 5,730 1.
2. Bank's liability on acceptances executed and outstanding.......................................... 2920 5,730 2.
3. Federal funds sold and securities purchased under agreements to resell............................ 1350 340,096 3.
4. Federal funds purchased and securities sold under agreements to repurchase........................ 2800 2,063,655 4.
5. Other borrowed money.............................................................................. 3190 1,745,311 5.
EITHER //////////////////
6. Net due from own foreign offices, Edge and Agreement subsidiaries, and IBFs....................... 2163 N/A 6.
OR //////////////////
7. Net due to own foreign offices, Edge and Agreement subsidiaries, and IBFs......................... 2941 1,141,708 7.
8. Total assets (excludes net due from foreign offices, Edge and Agreement subsidiaries, and //////////////////
IBFs)............................................................................................. 2192 10,671,759 8.
9. Total liabilities (excludes net due to foreign offices, Edge and Agreement subsidiaries, and //////////////////
IBFs)............................................................................................. 3129 8,854,642 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 354,164 10.
11. U.S. Government agency and corporation obligations (exclude mortgage-backed //////////////////
securities)...................................................................................... 1785 87,318 11.
12. Securities issued by states and political subdivisions in the U.S................................ 1786 33,360 12.
13. Mortgage-backed securities (MBS): //////////////////
a. Pass-through securities: //////////////////
(1) Issued or guaranteed by FNMA, FHLMC, or GNMA.............................................. 1787 153,083 13.a.(1)
(2) Other pass-through securities............................................................. 1869 6,196 13.a.(1)
b. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS): //////////////////
(1) Issued or guaranteed by FNMA, FHLMC, or GNMA.............................................. 1877 16,602 13.b.(2)
(2) All other mortgage-backed securities...................................................... 2253 0 13.b.(2)
14. Other domestic debt securities................................................................... 3159 459 14.
15. Foreign debt securities.......................................................................... 3160 0 15.
16. Equity securities: //////////////////
a. Investments in mutual funds................................................................... 3161 0 16.a
b. Other equity securities with readily determinable fair values................................. 3162 0 16.b
c. All other equity securities................................................................... 3169 3,843 16.c
17. Total held-to-maturity and available-for-sale securities (sum of items 10 through 16)............ 3170 655,025 17.
--------------------
Memorandum (to be completed only by banks with IBFs and other "foreign" offices)
--------------------
Dollar Amounts in Thousands RCON Bil Mil Thou
- ----------------------------------------------------------------------------------------------------- --------------------
EITHER //////////////////
1. Net due from the IBF of the domestic offices of the reporting bank................................ 3051 N/A M.1.
OR //////////////////
2. Net due to the IBF of the domestic offices of the reporting bank.................................. 3059 N/A M.2.
--------------------
22
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-13
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
---------------
Schedule RC-I--Selected Assets and Liabilities of IBFs
To be completed only by banks with IBFs and other "foreign" offices.
-----------
C445
-------------------
Dollar Amounts in Thousands RCFN Bil Mil Thou
- -------------------------------------------------------------------------------------------------------------------
1. Total IBF assets of the consolidated bank (component of Schedule RC, item 12)............. 2133 N/A 1.
2. Total IBF loans and lease financing receivables (component of Schedule RC-C, part I, //////////////////
item 12, column A)........................................................................ 2076 N/A 2.
3. IBF commercial and industrial loans (component of Schedule RC-C, part I, item 4, //////////////////
column A)................................................................................. 2077 N/A 3.
4. Total IBF liabilities (component of Schedule RC, item 21)................................. 2898 N/A 4.
5. IBF deposit liabilities due to banks, including other IBFs (component of Schedule RC-E, //////////////////
part II, items 2 and 3)................................................................... 2379 N/A 5.
6. Other IBF deposit liabilities (component of Schedule RC-E, part II, items 1, 4, 5, and 6). 2381 N/A 6.
---------------------
Schedule RC-K--Quarterly Averages(1)
-----------
C455
--------------------------
Dollar Amounts in Thousands ///////// Bil Mil Thou
- ---------------------------------------------------------------------------------------------- --------------------------
ASSETS ///////////////////////
1. Interest-bearing balances due from depository institutions................................. RCFD 3381 1,449 1.
2. U.S. Treasury securities and U.S. Government agency and corporation obligations (2)........ RCFD 3382 462,100 2.
3. Securities issued by states and political subdivisions in the U.S. (2)..................... RCFD 3383 2,829 3.
4. a. Other debt securities (2)............................................................... RCFD 3647 6,223 4.a.
b. Equity securities (3) (includes investments in mutual funds and Federal Reserve stock). RCFD 3648 3,844 4.b.
5. Federal funds sold and securities purchased under agreements to resell in domestic offices //////////////////////
of the bank and of its Edge and Agreement subsidiaries, and in IBFs........................ RCFD 3365 227,861 5.
6. Loans: ///////////////////////
a. Loans in domestic offices: ///////////////////////
(1) Total loans......................................................................... RCON 3360 6,947,912 6.a.(1)
(2) Loans secured by real estate........................................................ RCON 3385 1,334,155 6.a.(2)
(3) Loans to finance agricultural production and other loans to farmers................. RCON 3386 12,435 6.a.(3)
(4) Commercial and industrial loans..................................................... RCON 3387 903,137 6.a.(4)
(5) Loans to individuals for household, family, and other personal expenditures......... RCON 3388 4,463,369 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 1,112,431 8.
9. Total assets (4)........................................................................... RCFD 3368 9,803,098 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 55,729 10.
11. Nontransaction accounts in domestic offices: ///////////////////////
a. Money market deposit accounts (MMDAs) .................................................. RCON 3486 1,307,151 11.a.
b. Other savings deposits ................................................................. RCON 3487 765,006 11.b.
c. Time certificates of deposit of $100,000 or more ....................................... RCON 3345 228,172 11.c.
d. All other time deposits ................................................................ RCON 3469 910,855 11.d.
12. Interest-bearing deposits in foreign offices, Edge and Agreement subsidiaries, and IBFs ... RCFN 3404 785,357 12.
13. Federal funds purchased and securities sold under agreements to repurchase in domestic ///////////////////////
offices of the bank and of its Edge and Agreement subsidiaries, and in IBFs ............... RCFD 3353 2,060,984 13.
14. Other borrowed money ...................................................................... RCFD 3355 1,276,976 14.
--------------------------
(1) For all items, banks have the option of reporting either (1) an average of
daily figures for the quarter, or (2) an average of weekly figures (i.e.,
the Wednesday of each week of the quarter).
(2) Quarterly averages for all debt securities should be based on amortized
cost.
(3) Quarterly averages for all equity securities should be based on historical
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
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC XX
Address: 100 East Broad Street Page RC
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No. [0][6][5][5][9]
---------------
Schedule RC-L--Off-Balance Sheet Items
Please read carefully the instructions for the preparation of Schedule RC-L. Some of the amounts
reported in Schedule RC-L are regarded as volume indicators and not necessarily as measures of risk.
-----------
C460
Dollar Amounts in Thousands RCFD Bil Mil Thou
- ------------------------------------------------------------------------------------------------------------------------------------
1. Unused commitments: //////////////////
a. Revolving, open-end lines secured by 1-4 family residential properties, e.g., home equity //////////////////
lines...................................................................................... XX14 345,337 1.a.
b. Credit card lines.......................................................................... 3815 18,605,259 1.b.
c. Commercial real estate, construction, and land development: //// //////////
(1) Commitments to fund loans secured by real estate...................................... 3816 87,135 1.c.(1)
(2) Commitments to fund loans not secured by real estate.................................. 6550 20,573 1.c.(1)
d. Securities underwriting.................................................................... 3817 0 1.d.
e. Other unused commitments................................................................... 3818 2,095,009 1.e.
2. Financial standby letters of credit and foreign office guarantees.............................. 3819 511,988 2.
------------------------
a. Amount of financial standby letters of credit conveyed to others RCFD 3820 173,376 ////////////////// 2.a.
------------------------
3. Performance standby letters of credit and foreign office guarantees............................ 3821 112,524 3.
------------------------
a. Amount of performance standby letters of credit conveyed to others RCFD 3822 42,516 ////////////////// 3.a.
------------------------
4. Commercial and similar letters of credit....................................................... 3411 47,722 4.
5. Participations in acceptances (as described in the instructions) conveyed to others by the //////////////////
reporting bank................................................................................. 3428 0 5.
6. Participations in acceptances (as described in the instructions) acquired by the reporting //////////////////
(nonaccepting) bank............................................................................ 3429 0 6.
7. Securities borrowed............................................................................ 3432 0 7.
8. Securities lent (including customers' securities lent where the customer is indemnified against //////////////////
loss by the reporting bank).................................................................... 3433 0 8.
9. Loans transferred (i.e., sold or swapped) with recourse that have been treated as sold for //////////////////
Call Report purposes: //////////////////
a. FNMA and FHLMC residential mortgage loan pools: //////////////////
(1) Outstanding principal balance of mortgages transferred as of the report date.......... 3650 0 9.a.( )
(2) Amount of recorse exposure on these mortgages as of the report date................... 3651 0 9.a.(2)
b. Private (nongovernment - issued or - guaranteed) residential mortgage loan pools: //////////////////
(1) Outstanding principal balance of mortgages transferred as of the report date.......... 3652 0 9.b.( )
(2) Amount of recourse exposure on these mortgages as of the report date.................. 3653 0 9.b.(2)
c. Farmer Mac agricultural mortgage loan pools: //////////////////
(1) Outstanding principal balance of mortgages transferred as of the report date.......... 3654 0 9.c.
(2) Amount of recourse exposure on these mortgages as of the report date.................. 3655 0 9.c.
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.( )
(2) Amount of retained recourse on these obligations as of the report date................ A250 0 9.d.( )
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 10,493 11.
12. All other off-balance sheet liabilities (exclude off-balance sheet derivatives) ( itemize and //////////////////
describe each component of this item over 25% fo Schedule RC, item 28, "Total equity capital") 3430 0 12.
//////////////////
------------ ---------------------------
a. TEXT 3555 RCFD 3555 ////////////////// 12.a.
----------------------------------------------------------------
b. TEXT 3556 RCFD 3556 ////////////////// 12.b.
----------------------------------------------------------------
c. TEXT 3557 RCFD 3557 ////////////////// 12.c.
----------------------------------------------------------------
d. TEXT 3558 RCFD 3558 ////////////////// 12.d.
----------------------------------------------------------------------------------------------------------------
24
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-15
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
---------------
Schedule RC-L--Continued
----------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou
- ---------------------------------------------------------------------------------------------------------------------------
13. All other off-balance sheet assets (exclude off-balance sheet derivatives) (itemize and //////////////////
describe each component of this item over 25% of Schedule RC, item 26, "Total equity capital") 5591 141,011 13.
//////////////////
------------ -----------------------------
a. TEXT 5592 RCFD 5592 ////////////////// 13.a.
-----------------------------------------------------------------
b. TEXT 5593 RCFD 5593 ////////////////// 13.b.
-----------------------------------------------------------------
c. TEXT 5594 RCFD 5594 ////////////////// 13.c.
-----------------------------------------------------------------
d. TEXT 5595 RCFD 5595 ////////////////// 13.d.
----------------------------------------------------------------- -------------------------------------------------
-------------
C461
----------------------------------------------------------------------------------
(Column A) (Column B) (Column C) (Column D)
Dollar Amounts in Thousands Interest Rate Foreign Exchange Equity Derivative Commodity and
- ---------------------------------------- Contracts Contracts Contracts Other Contracts
Off-balance Sheet Derivatives ---------------------------------------------------------------------------------
Position Indicators Tril Bil Mil Thou Tril Bil Mil Thou Tril Bil Mil Thou Tril Bil Mil Thou
- ------------------------------------------------------------ ------------------ ------------------ ------------------
14. Gross amounts (e.g., notional ////////////////// ////////////////// ////////////////// //////////////////
amounts) (for each column, sum of ////////////////// ////////////////// ////////////////// //////////////////
items 14.a through 14.e must equal ////////////////// ////////////////// ////////////////// //////////////////
sum of items 15, 16.a, and 16.b): ////////////////// ////////////////// ////////////////// //////////////////
------------------ ------------------ ------------------ ------------------
a. Futures contracts............... 0 0 0 0 14.a.
------------------ ------------------ ------------------ ------------------
RCFD 8693 RCFD 8694 RCFD 8695 RCFD 8696
------------------ ------------------ ------------------ ------------------
b. Forward contracts............... 1,400,000 45,511 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............. 755,397 0 0 0 14.d.(1)
------------------ ------------------ ------------------ ------------------
RCFD 8709 RCFD 8710 RCFD 8711 RCFD 8712
------------------ ------------------ ------------------ ------------------
(2) Purchased options........... 930,397 0 0 0 14.d.(2)
------------------ ------------------ ------------------ ------------------
RCFD 8713 RCFD 8714 RCFD 8715 RCFD 8716
------------------ ------------------ ------------------ ------------------
e. Swaps........................... 17,113,573 0 0 0 14.e.
------------------ ------------------ ------------------ ------------------
RCFD 3450 RCFD 3826 RCFD 8719 RCFD 8720
------------------ ------------------ ------------------ ------------------
15. Total gross notional amount of ////////////////// ////////////////// ////////////////// //////////////////
derivative contracts held for
trading............................ 400,000 0 0 0 15.
------------------ ------------------ ------------------ ------------------
RCFD A126 RCFD A127 RCFD 8723 RCFD 8724
------------------ ------------------ ------------------ ------------------
16. Total gross notional amount of ////////////////// ////////////////// ////////////////// //////////////////
derivative contracts held for ////////////////// ////////////////// ////////////////// //////////////////
purposes other than trading: ////////////////// ////////////////// ////////////////// //////////////////
------------------ ------------------ ------------------ ------------------
a. Contracts marked to market...... 174,737 45,511 0 0 16.a.
------------------ ------------------ ------------------ ------------------
RCFD 8725 RCFD 8726 RCFD 8727 RCFD 8728
------------------ ------------------ ------------------ ------------------
b. Contracts not marked to market.. 19,624,630 0 0 0 16.b.
------------------ ------------------ ------------------ ------------------
RCFD 8729 RCFD 8730 RCFD 8731 RCFD 8732
----------------------------------------------------------------------------------
25
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC C:
Address: 100 East Broad Street Page RC
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
---------------
Schedule RC-L--Continued
----------------------------------------------------------------------------------------
(Column A) (Column B) (Column C) (Column D)
Dollar Amounts in Thousands Interest Rate Foreign Exchange Equity Derivative Commodity and
- ---------------------------------- Contracts Contracts Contracts Other Contracts
Off-balance Sheet Derivatives --------------------- -------------------- -------------------- --------------------
Position Indicators RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou
- ---------------------------------- --------------------- -------------------- -------------------- --------------------
17. Gross fair values of ////////////////// ////////////////// ////////////////// //////////////////
derivative contracts: ////////////////// ////////////////// ////////////////// //////////////////
a. Contracts held for ////////////////// ////////////////// ////////////////// //////////////////
trading: ////////////////// ////////////////// ////////////////// //////////////////
(1) Gross positive ////////////////// ////////////////// ////////////////// //////////////////
fair value ............ 8733 400,000 8734 0 8735 0 8736 0 17.a.(1)
(2) Gross negative ////////////////// ////////////////// ////////////////// //////////////////
fair value ............ 8737 0 8738 0 8739 0 8740 0 17.a.(2)
b. Contracts held for ////////////////// ////////////////// ////////////////// //////////////////
purposes other than ////////////////// ////////////////// ////////////////// //////////////////
trading that are marked ////////////////// ////////////////// ////////////////// //////////////////
to market: ////////////////// ////////////////// ////////////////// //////////////////
(1) Gross positive ////////////////// ////////////////// ////////////////// //////////////////
fair value ............ 8741 817 8742 884 8743 0 8744 0 17.b.( )
(2) Gross negative ////////////////// ////////////////// ////////////////// //////////////////
fair value ............ 8745 1,586 8746 792 8747 0 8748 0 17.b.( )
c. Contracts held for ////////////////// ////////////////// ////////////////// //////////////////
purposes other than ////////////////// ////////////////// ////////////////// //////////////////
trading that are not ////////////////// ////////////////// ////////////////// //////////////////
marked to market: ////////////////// ////////////////// ////////////////// //////////////////
(1) Gross positive ////////////////// ////////////////// ////////////////// //////////////////
fair value ............ 8749 50,923 8750 0 8751 0 8752 0 17.c.( )
(2) Gross negative ////////////////// ////////////////// ////////////////// //////////////////
fair value ............ 8753 48,262 8754 0 8755 0 8756 0 17.c.( )
---------------------------------------------------------------------------------------
--------------------
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 1,532,774 M.3.
a. Participations in commitments with an original maturity --------------------- //////////////////
exceeding one year conveyed to others ................................... RCFD 3834 229,509 ////////////////// M.3.
4. To be completed only by banks with $1 billion or more in total assets: --------------------- //////////////////
Standby letters of credit and foreign office guarantees (both financial and performance) issued //////////////////
to non-U.S. addressees (domicile) included in Schedule RC-L, items 2 and 3, above................. 3377 732 M.4.
5. Installment loans to individuals for household, family, and other personal expenditures that //////////////////
have been securitized and sold without recourse (with servicing retained), amounts outstanding //////////////////
by type of loan: //////////////////
a. Loans to purchase private passenger automobiles (to be completed for the //////////////////
September report only) ........................................................................ 2741 N/A M.5.a.
b. Credit cards and related plans (TO BE COMPLETED QUARTERLY) .................................... 2742 3,351,121 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: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-17
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
---------------
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 258,466 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 regulations. RCFD 6165 3 ////////////////// 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. addressees (domicile)..................................................................... 2103 5,730 5.a.
b. Non-U.S. addressees (domicile)................................................................. 2104 0 5.b.
6. Intangible assets: //////////////////
a. Mortgage servicing rights...................................................................... 3164 0 6.a.
b. Other identifiable intangible assets: //////////////////
(1) Purchased credit card relationships........................................................ 5506 20,100 6.b.(1)
(2) All other identifiable intangible assets................................................... 5507 2,327 6.b.(2)
c. Goodwill....................................................................................... 3163 11,684 6.c.
d. Total (sum of items 6.1 through 6.c) (must equal Schedule RC, item 10)......................... 2143 34,111 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: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC
Address: 100 East Broad Street Page RC
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
---------------
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.(2)
(2) All other real estate owned: ///////////////////////
(a) Construction and land development in domestic offices ...................... RCON 5508 0 8.a.(2)
(b) Farmland in domestic offices ............................................... RCON 5509 0 8.a.(2)
(c) 1-4 family residential properties in domestic offices ...................... RCON 5510 272 8.a.(2)
(d) Multifamily (5 or more) residential properties in domestic offices ......... RCON 5511 0 8.a.(2)
(e) Nonfarm nonresidential properties in domestic offices ...................... RCON 5512 6,271 8.a.(2)
(f) In foreign offices ......................................................... RCFN 5513 0 8.a.(2)
(3) Total (sum of items 8.a.(1) and 8.a.(2)) (must equal Schedule RC, item 7) ...... RCFD 2150 6,543 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.(3)
(2) All other investments in unconsolidated subsidiaries and associated companies .. RCFD 5375 2,436 8.b.(3)
(3) Total (sum of items 8.b.(1) and 8.b.(2)) (must equal Schedule RC, item 8) ...... RCFD 2130 2,436 8.b.(3)
c. Total assets of unconsolidated subsidiaries and associated companies ............... RCFD 5376 47,831 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 12,613 10.a.
b. Equity securities funds ............................................................ RCON 8427 11,817 10.b.
c. Debt securities funds .............................................................. RCON 8428 3,814 10.c.
d. Other mutual funds ................................................................. RCON 8429 0 10.d.
e. Annuities .......................................................................... RCON 8430 42,625 10.e.
f. Sales of proprietary mutual funds and annuities (included in items 10.a through ///////////////////////
10.e above) ........................................................................ RCON 8764 27,619 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: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-19
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
---------------
Schedule RC-N--Past Due and Nonaccrual Loans, Leases,
and Other Assets
The FFIEC regards the information reproted 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 69 days or more
days and still and still
accruing accruing
--------------------- -------------------- --------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou
- -------------------------------------------------- --------------------- -------------------- --------------------
1. Loans secured by real estate: ////////////////// ////////////////// //////////////////
a. To U.S. addressees (domicile)............... 1245 1246 4,589 1247 11,931 1.a.
b. To non-U.S. addressees (domicile)........... 1248 1249 0 1250 0 1.b.
2. Loans to depository instutions and acceptances ////////////////// ////////////////// //////////////////
of other banks: ////////////////// ////////////////// //////////////////
a. To U.S. banks and other U.S. depository ////////////////// ////////////////// //////////////////
institutions................................ 5377 5378 0 5379 0 2.a.
b. To foreign banks............................ 5360 5381 0 5362 0 2.b.
3. Loans to finance agricultural production and ////////////////// ////////////////// //////////////////
other loans to farmers......................... 1594 1597 0 1583 42 3.
4. Commercial and industrial loans: ////////////////// ////////////////// //////////////////
a. To U.S. addressees (domicile)............... 1251 1252 11,185 1253 4,651 4.a.
b. To non-U.S. addressees (domicile)........... 1254 1255 0 1256 0 4.b.
5. Loans to individuals for household, family, and ////////////////// ////////////////// //////////////////
other personal expenditures: ////////////////// ////////////////// ///////////////////
a. Credit cards and related plans.............. 5383 5384 89,969 5385 0 5.a.
b. Other (includes single payment, installment, ///////////////// ////////////////// ///////////////////
and all student loans)...................... 5386 5387 9,147 5388 3,910 5.b.
6. Loans to foreign governments and official ///////////////// ////////////////// ///////////////////
institutions................................... 5389 5390 0 5392 0 6.
7. All other loans................................ 5459 5460 280 5461 66 7.
8. Lease financing receivables: ///////////////// ////////////////// ///////////////////
a. Of U.S. addressees (domicile)............... 1257 1258 0 1259 2,384 8.a.
b. Of non-U.S. addressees (domicile)........... 1271 1272 0 1781 0 8.b.
9. Debt securities and other assets (exclude other ///////////////// ////////////////// ///////////////////
real estate owned and other repossessed assets) 3505 3506 0 3507 0 9.
--------------------------------------------------------------
- -----------------------------------------------------------------------------------------------------------------------------------
Amounts reported in items 1 through 8 above include guaranteed and unguaranteed
portions of past due and nonaccrual loans and leases. Report in item 10 below
certain guaranteed loans and leases that have already been included in the
amounts reported in items 1 through 8.
-------------------------------------------------------------
10. Loans and losses reported in items 1 RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou
-------------------------------------------------------------
through 8 above which are wholly or partially ///////////////// ////////////////// ///////////////////
guaranteed by the U.S. Government............. 5612 5613 5,277 5614 1,023 10.
a. Guaranteed portion of loans and leases ///////////////// ////////////////// ///////////////////
included in item 10 above.................. 5615 5616 5,277 5617 602 10.a.
--------------------------------------------------------------
29
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC
Address: 100 East Broad Street Page RC
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
---------------
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 6, above (and not ////////////////// ////////////////// //////////////////
reported in Schedule RC-C part I, Memorandum ////////////////// ////////////////// //////////////////
item 2).......................................... 1658 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 6559 185 6560 0 M.2.
-------------------- -------------------- --------------------
3. Loans secured by real estate in domestic offices RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou
-------------------- -------------------- --------------------
(included in Schedule RC-N, item 1, above): ////////////////// ////////////////// //////////////////
a. Construction and land development: ........... 2759 2769 1,447 3492 2,407 M.3.a.
b. Secured by farmland .......................... 3493 3494 0 3495 0 M.3.b.
c. Secured by 1-4 family residential properties: ////////////////// ////////////////// //////////////////
(1) Revolving, open-end loans secured by ////////////////// ////////////////// //////////////////
1-4 family residential properties and ////////////////// ////////////////// //////////////////
extended under lines of credit ........... 5398 5399 1,183 5400 0 M.3.c.(1)
(2) All other loans secured by 1-4 family ////////////////// ////////////////// //////////////////
residential properties ................... 5401 5402 1,662 5403 6,183 M.3.c.(2)
d. Secured by multifamily (5 or more) residential ////////////////// ////////////////// //////////////////
properties ................................... 3499 3500 69 3501 0 M.3.d.
e. Secured by nonfarm nonresidential properties.. 3502 3503 228 3504 3,341 M.3.e.
-------------------- -------------------- --------------------
-------------------- --------------------
(Column A) (Column B)
Past due 30 Past due 90
through 89 days days or more
-------------------- --------------------
RCFD Bil Mil Thou RCFD Bil Mil Thou
-------------------- --------------------
4. Interest rate, foreign exchange rate, and other ////////////////// //////////////////
commodity and equity contracts: ////////////////// //////////////////
a. Book value of amounts carried as assets ...... 3522 3528 0 M.4.a.
b. Replacement cost of contracts with a ////////////////// //////////////////
positive replacement cost .................... 3529 3530 0 M.4.b.
-------------------- --------------------
30
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-21
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
---------------
Schedule RC-O--Other Data for Deposit Insurance Assessments
--------
C475 -
--------------------
Dollar Amounts in Thousands RCON Bil Mil Thou
- ----------------------------------------------------------------------------------------------------------------------------
1. Unposted debits (see instructions): //////////////////
a. Actual amount of all unposted debits.......................................................... 0030 0 1.a.
OR //////////////////
b. Separate amount of unposted debits: //////////////////
(1) Actual amount of unposted debits to demand deposits....................................... 0031 N/A 1.b.(1)
(2) Actual amount of unposted debits to time and savings deposits(1).......................... 0032 N/A 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 14,576 4.a.
b. Time and savings deposits(1) of consolidated subsidiaries..................................... 2351 10,319 4.b.
c. Interest accrued and unpaid on deposits of consolidated subsidiaries.......................... 5514 0 4.c.
5. Deposits in insured branches in Puerto Rico and U.S. territories and possessions: //////////////////
a. Demand deposits in insured branches (included in Schedule RC-E, Part II)...................... 2229 0 5.a.
b. Time and savings deposits(1) in insured branches (included in Schedule RC-E, Part II)......... 2383 0 5.b.
c. Interest accrued and unpaid on deposits in insured branches //////////////////
(included in Schedule RC-G, item 1.b)......................................................... 5515 0 5.c.
--------------------
--------------------
Item 6 is not applicable to state nonmember banks that have not been authorized by the //////////////////
Federal Reserve to act as pass-through correspondents. //////////////////
6. Reserve balances actually passed through to the Federal Reserve by the reporting bank on //////////////////
behalf of its respondent depository institutions that are also reflected as deposit liabilities //////////////////
of the reporting bank: //////////////////
a. Amount reflected in demand deposits (included in Schedule RC-E, Part I, item 4 or 5, //////////////////
column B)..................................................................................... 2314 0 6.a.
b. Amount reflected in time and savings deposits(1) (included in Schedule RC-E, Part I, //////////////////
item 4 or 5, column A or C, but not column B)................................................. 2315 0 6.b.
7. Unamortized premiums and discounts on time and savings deposits:(1) //////////////////
a. Unamortized premiums.......................................................................... 5516 0 7.a.
b. Unamortized discounts......................................................................... 5517 0 7.b.
--------------------
- ---------------------------------------------------------------------------------------------------------------------------------
8. To be completed by banks with "Oakar deposits."
--------------------
Total "Adjusted Attributable Deposits" of all institutions acquired under Section 5(d)(3) of //////////////////
the Federal Deposit Insurance Act (from most recent FDIC Oakar Transaction Worksheet(s))......... 5518 N/A 8.
--------------------
- ---------------------------------------------------------------------------------------------------------------------------------
--------------------
9. Deposits in lifeline accounts.................................................................... 5596 ///////////// 9.
10. Benefit-responsive "Depository Institution Investment Contracts" (included in total //////////////////
deposits in domestic offices).................................................................... 8432 0 10.
--------------------
- ---------------
(1) For FDIC insurance assessment purposes, "time and savings deposits" consists
of nontransaction accounts and all transaction accounts other than demand
deposits.
31
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC X:
Address: 100 East Broad Street Page RC
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
---------------
Schedule RC-O-Continued
--------------------
Dollar Amounts in Thousands RCON Bil Mil Thou
- ---------------------------------------------------------------------------------------------------- --------------------
11. Adjustments to demand deposits in domestic offices reported in Schedule RC-E for //////////////////
certain reciprocal demand balances: //////////////////
a. Amount by which demand deposits would be reduced if reciprocal demand balances //////////////////
between the reporting bank and savings associations were reported on a net basis //////////////////
rather than a gross basis in Schedule RC-E ................................................. 8785 0 11.a.
b. Amount by which demand deposits would be increased if reciprocal demand balances //////////////////
between the reporting bank and U.S. branches and agencies of foreign banks were //////////////////
reported on a gross basis rather than a net basis in Schedule RC-E ......................... A181 0 11.b.
c. Amount by which demand deposits would be reduced if cash items in process of //////////////////
collection were included in the calculation of net reciprocal demand balances between //////////////////
the reporting bank and the domestic offices of U.S. banks and savings associations //////////////////
in Schedule RC-E ............................................................................ A182 0 11.c.
--------------------
Memoranda (to be completed each quarter except as noted)
--------------------
Dollar Amounts in Thousands RCON Bil Mil Thou
- ---------------------------------------------------------------------------------------------------- --------------------
1. Total deposits in domestic offices of the bank (sum of Memorandum items 1.a.(1) and //////////////////
1.b.(1) must equal Schedule RC, item 13.a): //////////////////
a. Deposit accounts of $100,000 or less: //////////////////
(1) Amount of deposit accounts of $100,000 or less .......................................... 2702 2,409,318 M.1.a (1)
(2) Number of deposit accounts of $100,000 of less (to be Number //////////////////
-------------------------
completed for the June reports 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 2,150,904 M.1.b.(1)
Number //////////////////
------------------------
(2) Number of deposit accounts of more than $100,000 ................ RCON 2722 4,001 ////////////////// M.1.b.(2)
---------------------------------------------
2. Estimated amount of uninsured deposits in domestic offices of the bank:
a. An estimate of your bank's uninsured deposits can be determined by multiplying the
number of deposit accounts of more than $100,000 reported in Memorandum item 1.b.(2)
above by $100,000 and subtracting the result from the amount of deposit accounts of
more than $100,000 reported in Memorandum item 1.b.(1) above.
Indicate in the appropriate box at the right whether your bank has a method or YES NO
procedure for determining a better estimate of uninsured deposits than the -------------------
estimated described above ................................................................... 6861 /// X M.2.a
-------------------
b. If the box marked YES has been checked, report the estimate of uninsured deposits RCON Bil Mil Thou
-------------------
determined by using your bank's method or procedure ......................................... 5597 N/A M.2.a
-------------------
- --------------------------------------------------------------------------------
Person to whom questions about the Reports of Condition and Income should be
directed: C477
------
John J. Dible, Sr. Regulatory Analyst (614) 248-8592
- ------------------------------------------------- -----------------------------
Name and Title (TEXT 8901) Area code/phone number/
extension (TEXT 8902)
32
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC 031
Address: 100 East Broad Street Page RC-23
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
---------------
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.
----------
C480
1. Test for determining the extent to which Schedule RC-R must be completed. To be ----------------
completed only by banks with total assets of less than $1 billion. Indicate in the YES NO
appropriate box at the right whether the bank has total capital greater than or ----------------------------
equal to eight percent of adjusted total assets........................................... RCFD 6056 //// 1.
----------------------------
For purposes of this test, adjusted total assets equals total assets less cash, U.S. Treasuries, U.S. Government
agency obligations, and 80 percent of U.S. Government-sponsored agency obligations plus the allowance for
loan and lease losses and selected off-balance sheet items as reported on Schedule RC-L (see instructions).
If the box marked YES has been checked, then the bank only has to complete items 2 and 3 below. If the box marked
NO has been checked, the bank must complete the remainder of this schedule.
A NO response to item 1 does not necessarily mean that the bank's actual risk-based capital ratio is less than
eight percent or that the bank is not in compliance with the risk-based capital guidelines.
- --------------------------------------------------------------------
NOTE: All banks are required to complete items 2 and 3 below. --------------------------------------------
See optional worksheet for items 3.a through 3.f. (Column A) (Column B)
- -------------------------------------------------------------------- Subordinated Debt(1) Other
Dollar Amounts in Thousands and Intermediate Limited-Life
- ------------------------------------------------------------------------------ Term Preferred Stock Capital Instruments
2. Subordinated debt(1) and other limited-life capital instruments (original ----------------------- --------------------
weighted average maturity of at least five years) with a remaining RCFD Bil Mil Thou RCFD Bil Mil Thou
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 264,328 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 664,361 3.a.
b. Tier 2 capital................................................................................. 8275 390,567 3.b.
c. Total risk-based capital....................................................................... 3792 1,054,928 3.c.
d. Excess allowance for loan and lease losses..................................................... A222 128,355 3.d.
e. Risk-weighted assets (net of all deductions, including excess allowance)....................... A223 9,970,758 3.e.
f. "Average total assets" (net of all assets deducted from Tier 1 capital)(2)..................... A224 9,789,117 3.f.
--------------------
--------------------------------------------
(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)
--------------------------------------------
RCFD Bil Mil Thou RCFD Bil Mil Thou
4. Assets and credit equivalent amounts of off-balance 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 409,929 ////////////////// 4.a.(1)
(2) All other.......................................................... 3795 128,784 ////////////////// 4.a.(2)
b. Credit equivalent amount of off-balance sheet items.................... ////////////////// 3796 1,224 4.b.
--------------------------------------------
- ---------------
(1) Exclude mandatory convertible debt reported in Schedule RC-M, item 7.
(2) Do not deduct excess allowance for loan and lease losses.
(3) Do not report in column B the risk-weighted amount of assets reported in
column A.
33
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580 FFIEC E
Address: 100 East Broad Street Page RC
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
---------------
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 175,964 ////////////////// 5.a.(1)
(2) Claims collateralized by securities issued by the U.S. Government ////////////////// //////////////////
and its agencies and other OECD central government; by ////////////////// //////////////////
securities issued by U.S. Government-sponsored agencies; and ////////////////// //////////////////
by cash on deposit ................................................... 3799 0 ////////////////// 5.a.(2)
(3) All other ............................................................ 3800 1,321,303 ////////////////// 5.a.(3)
b. Credit equivalent amount of off-balance sheet items ...................... ////////////////// 3801 616,533 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 355,538 ////////////////// 6.a.
b. Credit equivalent amount of off-balance sheet items ...................... ////////////////// 3803 124,353 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 8,542,099 ////////////////// 7.a.
b. Credit equivalent amount of off-balance sheet items ...................... ////////////////// 3805 908,290 7.b.
8. On-balance sheet asset values excluded from the calculation of the ////////////////// //////////////////
risk-based capital ratio(2) ................................................. 3806 (4,514) ////////////////// 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, ////////////////// //////////////////
items 12 plus items 4.b and 4.c) ............................................ 3807 10,929,103 ////////////////// 9.
----------------------------------------
Memoranda
-------------------
Dollar Amount 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 252,532 M.1
-------------------
-------------------------------------------------------------------------
With a remaining maturity of
-------------------------------------------------------------------------
(Column A) (Column B) (Column C)
One years or less Over one year Over five years
2. Notional principal amounts of through five years
-------------------------------------------------------------------------
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 7,061,681 8766 6,390,288 8767 1,458,064 M.2.a.
b. Foreign exchange contracts ............ 3812 909 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 (or
futures contracts) not subject to risk-based capital. Exclude from item 8
margin accounts and accrued receivables not included in the calculation of
credit equivalent amounts of off-balance sheet derivatives as well as any
portion of the allowance for loan and lease losses in excess of the amount
that may be included in Tier 2 capital.
(3) Exclude foreign exchange contracts with an original maturity of 14 days or
less and all futures contracts.
34
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-15BD FFIEC 031
Address: 100 East Broad Street Page RC-25
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No.: [0][6][5][5][9]
---------------
Optional Narrative Statement Concerning the Amounts
Reported in the Reports of Conditions and Income
at close of business on December 31, 1996
BANK ONE, COLUMBUS, NA COLUMBUS , OHIO
- ----------------------------------------- -------------------- ----------------
Legal Title of Bank City State
The management of the reporting bank may, if it wishes, submit a brief narrative
statement on the amounts reported in the Reports of Condition and Income. This
optional statement will be made available to the public, along with the publicly
available data in the Reports of Condition and Income, in response to any
request for individual bank report data. However, the information reported in
column A and in all of Memorandum item 1 of Schedule RC-N is regarded as
confidential and will not be released to the public. BANKS CHOOSING TO SUBMIT
THE NARRATIVE STATEMENT SHOULD ENSURE THAT THE STATEMENT DOES NOT CONTAIN THE
NAMES OR OTHER IDENTIFICATIONS OF INDIVIDUAL BANK CUSTOMERS, REFERENCES TO THE
AMOUNTS REPORTED IN THE CONFIDENTIAL ITEMS IN SCHEDULE RC-N, OR ANY OTHER
INFORMATION THAT THEY ARE NOT WILLING TO HAVE MADE PUBLIC OR THAT WOULD
COMPROMISE THE PRIVACY OF THEIR CUSTOMERS. Banks choosing not to make a
statement may check the "No comment" box below and should make no entries of any
kind in the space provided for the narrative statement; i.e., DO NOT enter in
this space such phrases as "No statement," "Not applicable," "N/A," "No
comment," and "None."
The optional statement must be entered on this sheet. The statement should not
exceed 100 words. Further, regardless of the number of words, the statement must
not exceed 750 characters, including punctuation, indentation, and standard
spacing between words and sentences. If any submission should exceed 750
characters, as defined, it will be truncated at 750 characters with no notice to
the submitting bank and the truncated statement will appear as the bank's
statement both on agency computerized records and in computer-file releases to
the public.
All information furnished by the bank in the narrative statement must be
accurate and not misleading. Appropriate efforts shall be taken by the
submitting bank to ensure the statement's accuracy. The statement must be
signed, in the space provided below, by a senior officer of the bank who thereby
attests to its accuracy.
If, subsequent to the original submission, material changes are submitted for
the data reported in the Reports of Condition and Income, the existing narrative
statement will be deleted from the files, and from disclosure: the bank, at its
option, may replace it with a statement, under signature, appropriate to the
amended data.
The optional narrative statement will appear in agency records and in release to
the public exactly as submitted (or amended as described in the preceding
paragraph) by the management of the bank (except for the truncation of
statements exceeding the 750-character limit described above). THE STATEMENT
WILL NOT BE EDITED OR SCREENED IN ANY WAY BY THE SUPERVISORY AGENCIES FOR
ACCURACY OR RELEVANCE. DISCLOSURE OF THE STATEMENT SHALL NOT SIGNIFY THAT ANY
FEDERAL SUPERVISORY AGENCY HAS VERTIFIED OR CONFIRMED THE ACCURACY OF THE
INFORMATION CONTAINED THEREIN. A STATEMENT TO THIS EFFECT WILL APPEAR ON ANY
PUBLIC RELEASE OF THE OPTIONAL STATEMENT SUBMITTED BY THE MANAGEMENT OF THE
REPORTING BANK.
- --------------------------------------------------------------------------------
No comment [_] (RCON 6979) C471 C472 XXXX
----------------
BANK MANAGEMENT STATEMENT (please type or print clearly):
(TEXT 6980)
For regulatory purposes, the Bank defers the recognition of certain excess
income relating to securitized loan sales until cash is received. The effect of
this accounting method has decreased net income for the current year $38,078,000
and decreased retained earnings on a cumulative basis $146,976,000.
/s/ (SIGNATURE APPEARS HERE) 1-31-97
--------------------------------------- --------------------
Signature of Executive Officer of Bank Date of Signature
35
Legal Title of Bank: BANK ONE, COLUMBUS, NA Call Date: 12/31/96 ST-BK: 39-1580
Address: 100 East Broad Street
City, State Zip: Columbus, OH 43271-1066
FDIC Certificate No: [0][6][5][5][9]
---------------
THIS PAGE IS TO BE COMPLETED BY ALL BANKS
- ----------------------------------------------------------------------------------------------------------------------
NAME AND ADDRESS OF BANK OMB No. For OCC: 1557-0081
OMB No. for FDIC: 3064-0052
OMB No. For Federal Reserve: 7100-0036
Expiration Date: 3/31/99
PLACE LABEL HERE SPECIAL REPORT
(Dollar Amounts in Thousands)
-----------------------------------------------------------
CLOSE OF BUSINESS FDIC Certificate Number
DATE C-700 -
12/31/96 [0][6][5[5][9]
- ----------------------------------------------------------------------------------------------------------------------
LOANS TO EXECUTIVE OFFICERS (Complete as of each Call Report Date)
- ----------------------------------------------------------------------------------------------------------------------
The following information is required by Public Laws 90-44 and 102-242, but does not constitute a part of the Report
of Condition. With each Report of Condition, these Laws require all banks to furnish a report of all loans or other
extensions of credit to their executive officers made since the date of the previous Report of Condition. Data
regarding individual loans or other extensions of credit are not required. If no such loans or other extensions of
credit were made during the period, insert "none" against subitem (a). (Exclude the first $15,000 of indebtedness of
each executive officer under bank credit card plan.) See Sections 215.2 and 215.3 of Title 12 of the Code of Federal
Regulations (Federal Reserve Board Regulation O) for the definitions of "executive officer" and "extension of credit,"
respectively. Exlude loans and other extensions of credit to directors and principal shareholders who are not
executive officers.
- ----------------------------------------------------------------------------------------------------------------------
--------------------------
a. Number of loans made to executive officers since the previous Call Report date.......... RCFC 3561 2
--------------------------
b. Total dollar amount of above loans (in thousands of dollars)............................ RCFC 3562 65
--------------------------
c. Range of interest charged on above loans ----------------------------------------------------------
(example: 9 3/4% = 9.75)................................. RCFD 7701 9.25% % to RCFC 7702 9.25 %
----------------------------------------------------------
- ----------------------------------------------------------------------------------------------------------------------
- ----------------------------------------------------------------------------------------------------------------------
SIGNATURE AND TITLE OF OFFICER AUTHORIZED TO SIGN REPORT DATE (Month, Day, Year)
- ----------------------------------------------------------------------------------------------------------------------
NAME AND TITLE OF PERSON TO WHOM INQUIRIES MAY BE DIRECTED (TEXT 8903) AREA CODE/PHONE EXTENSIONS
(TEXT 8904)
John J. Dible, Sr. Regulatory Analyst (614) 248-8592
- ----------------------------------------------------------------------------------------------------------------------
FDIC 8040/53 (6-95)
36