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Registration No.________________
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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
____________________
F O R M T-1
Statement of Eligibility and Qualification Under The Trust Indenture Act of 1939
Of A Corporation Designated To Act As Trustee
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TEXAS COMMERCE BANK NATIONAL ASSOCIATION
(Exact name of trustee as specified in its charter)
ORGANIZED UNDER THE LAWS OF
THE UNITED STATES OF AMERICA 74-0800980
(State of incorporation if not (I.R.S. employer
national bank) identification no.)
600 TRAVIS 77002
HOUSTON, TEXAS (Zip Code)
(Address of principal executive offices)
____________________
SNYDER OIL CORPORATION
(Exact name of obligor as specified in its charter)
DELAWARE 75-2306158
(State or other jurisdiction of (I.R.S. employer
incorporation or organization) identification no.)
777 MAIN STREET, SUITE 2500
FT. WORTH, TEXAS 76102
(Address of principal executive offices) (Zip Code)
______% STEP-UP CONVERTIBLE SUBORDINATED NOTES DUE 2001
(Title of the indenture securities)
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ITEM 1. General Information.
Furnish the following information as to the Trustee:
(a) Name and address of each examining or supervising authority
to which it is subject.
NAME ADDRESS
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Comptroller of the Currency Washington, D.C.
Federal Reserve Bank Dallas, Texas
Federal Deposit Insurance Corporation Washington, D.C.
National Bank Examiners Dallas, Texas
(b) Whether it is authorized to exercise corporate trust powers.
Yes.
ITEM 2. AFFILIATIONS WITH THE OBLIGOR.
If the obligor is an affiliate of the Trustee, describe each such
affiliation.
None.
ITEM 16. LIST OF EXHIBITS.
List below all exhibits filed as part of this statement of
eligibility:
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.
Exhibit 3. A copy of the authorization of the Trustee to exercise
corporate trust powers.
Exhibit 4. A copy of the existing bylaws of the Trustee.
Exhibit 5. Not Applicable.
Exhibit 6. The consents of the United States institutional
trustees required by Section 321(b) of the Trustee
Indenture Act of 1939.
Exhibit 7. A copy of the latest report of condition of the Trustee
published pursuant to law or the requirements of its
supervising or examining authority.
Exhibit 8. Not Applicable.
Exhibit 9. Not Applicable.
The answer to Item 2 is based in part on information provided or
confirmed by the obligor. The accuracy and completeness of such information is
hereby disclaimed by the Trustee.
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SIGNATURE
Pursuant to the requirements of the Trust Indenture Act of 1939, the
Trustee, Texas Commerce Bank National Association, a national banking
association organized and existing under the laws of the United States of
America, has duly caused this statement of eligibility to be signed on its
behalf by the undersigned, thereunto duly authorized, all in the City of
Dallas, and State of Texas, on the ___th day of March, 1994.
TEXAS COMMERCE BANK NATIONAL
ASSOCIATION
By: /s/ GREG DICKEY
Name: Greg Dickey
Title: Assistant Vice President
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EXHIBIT 1
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TEXAS COMMERCE BANK NATIONAL ASSOCIATION
AMENDED AND RESTATED
ARTICLES OF ASSOCIATION
FIRST: The title of this Association shall be TEXAS COMMERCE BANK
NATIONAL ASSOCIATION.
SECOND: The main office of the Association shall be in Houston, County
of Harris, State of Texas. 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 consists of not
less than five nor more than twenty-five qualified persons, the exact number of
Directors within such minimum and maximum limits to fixed and determined from
time to time by resolution of a majority of the full Board of Directors or by
resolution of the shareholders at any annual or special meeting thereof.
Unless otherwise provided by the laws of the United States, any vacancy in the
Board of Directors for any reason, including an increase in the number thereof,
may be filled by action of the Board of Directors.
FOURTH: The annual meeting of the shareholders for the election of
Directors and the transaction of whatever other business may be brought before
said meeting shall be held at the main office or such other place as the Board
of Directors may designate, on the day of each year specified therefor in the
Bylaws, but if no election is held on that day, it may be held on any
subsequent day according to the provisions of law; and all elections shall be
held according to such lawful regulations as may be prescribed by the Board of
Directors.
Nominations for election to the Board of Directors may be made by the Board of
Directors or by any shareholder of any outstanding class of capital stock of
the Association entitled to vote for election of directors. Nominations, other
than those made by or on behalf of the existing management of the Association,
shall be made in writing and shall be delivered or mailed to the Chairman or
the President of the Association and to the Comptroller of the Currency,
Washington, D. C., not less than 14 days nor more than 50 days prior to any
meeting of shareholders called for the election of directors; provided,
however, that if less than 21 days notice of the meeting is given to the
shareholder, such nomination shall be mailed or delivered to the Chairman or
President of the Association and to the Comptroller of the Currency not later
than the close of business on the seventh day following the day on which the
notice of meeting was mailed. Such notification shall contain the following
information to the extent known to the notifying shareholder: (a) the name
and address of each proposed nominee; (b) the principal occupation of each
proposed nominee; (c) the total number of shares of capital stock of the
Association that will be voted for each proposed nominee; (d) the name and
residence address of the notifying shareholder; and (e) the number of shares of
capital stock of the Association owned by the notifying shareholder.
Nominations not made in accordance herewith may, in his discretion, be
disregarded by the Chairman of the meeting and, upon his instructions, the vote
tellers may disregard all votes for each such nominee.
FIFTH: The amount of authorized capital stock of this Association shall
be
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$612,895,000 divided into 61,289,500 shares of common stock of the par value
per share of Ten Dollars ($10.00), 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 this Association shall
have any preemptive or preferential right of subscription to any shares of any
class of stock of this Association, whether now or hereafter authorized, or to
any obligations convertible into stock of this Association, issued or sold, nor
any right of subscription to any thereof other than such, if any, as the Board
of Directors, in its discretion, may from time to time determine and at such
price as the Board of Directors may from time to time fix.
The Association, at any time and from time to time, may authorize and issue
debt obligations, whether or not subordinated, without the approval of the
shareholders.
SIXTH: The Board of Directors shall appoint one of its members President
of this 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 Cashier
and such other officers and employees as may be required to transact the
business of this Association.
The Board of Directors shall have the power to define the duties of the
officers and employees of the 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 the
Association shall be made; to manage and administer the business and affairs of
the Association; to make all Bylaws that it may be lawful for them to make; and
generally to do and perform all acts that it may be legal for a Board of
Directors to do and perform.
SEVENTH: The Board of Directors shall have the power to change the
location of the main office to any other place within the limits of the City of
Houston, Texas, 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 the Association
to any other location, without the approval of the shareholders but subject to
the approval of the Comptroller of the Currency.
EIGHTH: The corporate existence of this Association shall continue until
terminated in accordance with the laws of the United States.
NINTH: The Board of Directors of this Association, or any three or more
shareholders owning, in the aggregate, not less than 25 percent of the stock of
this Association, may call a special meeting of shareholders at any time.
Unless otherwise provided by the laws of the United States, a notice of the
time, place and purpose of every annual and special meeting of the shareholders
shall be given by first class mail, postage prepaid, mailed at least ten days
prior to the date of such meeting to each shareholder of record at his address
as shown upon the books of this Association.
TENTH: No director of this Association shall be liable to this
Association or its
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shareholders for monetary damages for an act or omission in the director's
capacity as a director, except for liability for (i) a breach of a director's
duty of loyalty to this Association or its shareholders, (ii) an act or
omission not in good faith or that involves intentional misconduct or a knowing
violation of the law, (iii) a transaction from which a director received an
improper benefit, whether or not the benefit resulted from an action taken
within the scope of the director's office, (iv) an act or omission for which
the liability of a director is expressly provided for by statute, or (v) an act
related to an unlawful stock repurchase or payment of a dividend. If the Texas
Business Corporation Act, the Texas Miscellaneous Corporation Laws Act or other
applicable state or federal banking law or regulation is amended after approval
by the shareholders of this article to authorize corporate action further
eliminating or limiting the liability of directors, then the liability of a
director of this Association shall be eliminated or limited to the fullest
extent permitted by the Texas Business Corporation Act, the Texas Miscellaneous
Corporation Laws Act or other applicable state law or Federal banking law or
regulation as so amended or enacted.
Any repeal or modification of the foregoing paragraph by the shareholders shall
not adversely affect any right or protection of a director existing at the time
of such repeal or modification.
ELEVENTH: These Articles of Association may be amended at any regular or
special meeting of the shareholders by the affirmative vote of the holders of a
majority of the stock of this Association, unless the vote of the holders of a
greater amount of stock is required by law, and in that case by the vote of the
holders of such greater amount.
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EXHIBIT 2
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TEXAS COMMERCE BANK NATIONAL ASSOCIATION
SECRETARY'S CERTIFICATE
I, Susan E. Gross, hereby certify that I am an Assistant Secretary of Texas
Commerce Bank National Association (the "Bank") and in such capacity am
generally familiar with the Bank's corporate records and that:
1. The Bank is a national banking association duly and validly
existing under the laws of the United States of America, is duly
authorized to transact business as a national banking association
and is authorized to act in all fiduciary capacities pursuant to 12
U.S.C. 92a. The charter number of the Bank is 10225.
2. On September 15, 1993, the Bank purchased the stock of Ameritrust
Texas National Association, charter number 21665. Effective
September 15, 1993, the name of Ameritrust Texas National
Association was changed to Texas Commerce Trust Company, National
Association. Attached hereto as Exhibit A is a true and correct
copy of a letter from the Office of the Comptroller of the Currency
("OCC") evidencing such change of name.
3. Effective December 17, 1993, Texas Commerce Trust Company, National
Association was merged with and into the Bank. Attached hereto as
Exhibit B is a true and correct copy of a letter of OCC officially
certifying to such merger.
4. Attached hereto as Exhibit C is a true and correct of the Articles
of Association of the Bank in effect as of the date set forth
below.
IN WITNESS WHEREOF, the undersigned has executed this certificate this 14th day
of February, 1994, at Dallas, Texas.
Texas Commerce Bank National Association
By: /s/ SUSAN E. GROSS
Susan E. Gross
Assistant Secretary
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EXHIBIT "A"
(LOGO)
Comptroller of the Currency
Administrator of National Banks
Southwestern District Office
1600 Lincoln Plaza
500 North Akard Street
Dallas, Texas 75201-3394
September 22, 1993
Annette L. Tripp
Texas Commerce Trust Company, N. A.
3400 Texas Commerce Tower
Houston, Texas 77002-3004
Re: Change in Corporate Title
Application Control No. 93-SW-04-012
Dear Ms. Tripp:
The Office of the Comptroller of the Currency (OCC) has received your letter
concerning the title change and the appropriate amendment to the articles of
association. The OCC has recorded that as of September 15, 1993, the title of
Ameritrust Texas National Association, charter number 21665, was changed to
Texas Commerce Trust Company, National Association.
As a result of the Garn-St Germain Depository Institutions Act of 1982, the OCC
is no longer responsible for the approval of national bank name changes or does
it maintain official records on the use of alternate titles. The use of other
titles or the retention of the rights to any previously used title is the
responsibility of the bank's board of directors. Legal counsel should be
consulted to determine whether or not the new title, or any previously used
title, could be challenged by competing institutions under the provisions of
federal or state law.
Should you have any questions concerning this matter, please contact Gladys
Langston, at (214) 720-7052.
Sincerely,
/s/ EDWARD M. GRAVES
Edward M. Graves
Director for Analysis
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EXHIBIT "B"
(LOGO)
Comptroller of the Currency
Administrator of National Banks
Southwestern District Office
1600 Lincoln Plaza
500 North Akard Street
Dallas, Texas 75201-3394
December 21, 1993
Paul W. Bishop
Liddell, Sapp, Zivley, Hill & LaBoon, L.L.P.
3400 Texas Commerce Tower
Houston, Texas 77002
Re: Application to merge Texas Commerce Trust Company, N.A. with
and into Texas Commerce Bank National Association
Application Control #93-SW-02-071
Dear Mr. Bishop:
This letter is the official certification of the Office of the Comptroller of
the Currency (OCC) to merge Texas Commerce Trust Company, N.A. with and into
Texas Commerce Bank National Association, Houston, Texas, effective as of
December 17, 1993. The resulting bank title is Texas Commerce Bank National
Association and the charter number 10225.
Sincerely,
/s/ EDWARD M. GRAVES
Edward M. Graves
Director for compliance and Analysis
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EXHIBIT 3
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TEXAS COMMERCE BANK NATIONAL ASSOCIATION
SECRETARY'S CERTIFICATE
I, Susan E. Gross, Assistant Secretary of Texas Commerce Bank National
Association (the "Bank") hereby certify that on January 12, 1994, at a meeting
duly called and convened and at which a quorum was present, the Board of
Directors of the Bank adopted the resolutions set forth below, and such
resolutions are presently in full force and effect and have not been modified,
revoked or rescinded:
RESOLVED, that for the purposes of the following resolutions, the following
words shall have the meaning ascribed to them as follows:
"Bank" shall mean Texas Commerce Bank National Association.
"Trust Officer" shall mean any Corporate Trust Officer, any Real Estate Trust
Officer, any Petroleum Trust Officer, any Personal Trust Officer, and any Trust
Officer of the Bank.
"Senior Officer" shall mean the Chairman of the Board, the President, any Vice
Chairman, any Executive Vice President, any Senior Vice President, any Vice
President, the General Counsel, the Secretary, the Treasurer and the Cashier of
the Bank, and any Chairman, any Vice Chairman, any Executive Vice President,
any Senior Vice President and any Vice President of any region of the Bank.
"Senior Trust Officer" shall mean any Senior Corporate Trust Officer, any
Senior Real Estate Trust Officer, any Senior Petroleum Trust Officer, any
Senior Personal Trust Officer, and any Senior Trust Officer of the Bank.
RESOLVED, that the Chairman of the Board, the President, any Vice Chairman, any
Executive Vice President and Trust Officer, any Senior Vice President and Trust
Officer, any Vice President and Trust Officer, any Assistant Vice President and
Trust Officer, any Senior Trust Officer, and any Trust Officer of the Bank, and
any Chairman, President, Vice Chairman, Executive Vice President and Trust
Officer, Senior Vice President and Trust Officer, Vice President and Trust
Officer, Assistant Vice President and Trust Officer, Senior Trust Officer, or
Trust Officer of any region of the Bank be, and each of them hereby is,
authorized to execute and deliver for and on behalf of the Bank agreements
(including, but not limited to, agency agreements, transfer agency agreements,
paying agency agreements, exchange agreements, escrow agreements and other
similar agreements), indentures, mortgages, deeds, releases, conveyances,
assignments, transfers, leases, demands, proofs of debt, claims, discharges,
satisfactions, settlements, petitions, affidavits, receipts, instruments or
documents, powers of attorney, records, bonds, undertakings, proxies, other
agency powers, authentication certificates appearing on bonds and debentures,
registration certificates appearing on stock, bond or debentures certificates
and such other documents and instruments, other than secretary's certificates
or officer's certificates, as may be necessary and appropriate to carry out the
fiduciary or agency powers of the Bank.
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RESOLVED, that the Senior Officers, the Chief Financial Officer, the Chief
Administrative Officer, the Secretary, any Assistant Secretary, any Assistant
Vice President, any Senior Trust Officer, any Trust Officer, and any Assistant
Trust Officer of the Bank, and any Executive Vice President and Trust Officer,
Senior Vice President and Trust Officer, Vice President and Trust Officer,
Assistant Vice President and Trust Officer, Senior Trust Officer and Trust
Officer of any region of the Bank be, and each of them hereby is, authorized to
countersign, acknowledge or verify accounts, schedules, requisitions,
certifications and declarations, other than secretary's certificates or
officer's certificates, in connection with the exercise of the fiduciary or
agency powers of the Bank.
RESOLVED, that the power and authority conferred to any person pursuant to
these resolutions shall include, but not be limited to, the power to execute
any other documents and to do and perform such other acts and things as may be
necessary or appropriate to consummate the transactions so authorized or to
carry out the purposes and intent of such resolutions.
I also certify the Stephen Shrull is a duly elected and acting TCB-Metroplex -
Trust Officer of the bank.
EXECUTED effective as of the 14th day of February, 1994, at Dallas, Texas.
Texas Commerce Bank National Association
By: /s/ SUSAN E. GROSS
Susan E. Gross
Assistant Secretary
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EXHIBIT 4
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BYLAWS OF
TEXAS COMMERCE BANK NATIONAL ASSOCIATION
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SECTION 1: MEETINGS OF SHAREHOLDERS
SECTION 1.1. ANNUAL MEETINGS. The annual meeting of the
shareholders of the Association for the election of directors and for the
transaction of such other business as properly may come before such meeting,
shall be held at the principal banking office of the Association in Houston,
Texas, or such other place authorized by the Board of Directors ("Board"), at
10:30 a.m. on the Wednesday before the third Tuesday in January or as soon
thereafter as practicable if, for any reason, the meeting cannot be held at
such time or on such date. The Chairman of the Board (hereinafter "Chairman")
and the Secretary of the Association shall act as Chairman and Secretary,
respectively, of the meeting.
SECTION 1.2. SPECIAL MEETINGS. Special meetings of the shareholders
of the Association may be called by the Chairman or upon the direction of a
majority of the Board.
SECTION 1.3. NOTICE. Unless otherwise provided by law or by the
Articles of Association, 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 the shareholder's address as shown on
the books of the Association.
SECTION 1.4. PROXIES. Shareholders may vote at any meeting of the
shareholders by proxies duly authorized in writing, but no officer or employee
of the Association shall act as proxy. Proxies shall be valid only for the
meeting specified therein and any adjournments thereof.
SECTION 1.5. VOTING RIGHTS. Except as otherwise provided by law or
these Bylaws, each shareholder shall be entitled to one vote for each share of
stock held, and a majority of votes cast shall decide each matter submitted for
a vote.
SECTION 1.6 RECORD DATE. The record date for determining those
shareholders who shall have the right to receive notice of and to vote at
meetings of shareholders shall be set by the Board or, if the Board fails to
set such date, by the Chairman. The record date shall be not less than ten and
not more than fifty days prior to the date of the meeting.
Page 1 of 6
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SECTION 2: DIRECTORS
SECTION 2.1. NUMBER. Unless applicable law shall permit a greater
number, the Board of the Association shall consist of such persons, not less
than five nor more than twenty-five, as from time to time shall be fixed and
determined by a majority of the full Board or by resolution of a majority of
the outstanding shares of stock of the Association at the annual or any special
meeting of the shareholders.
SECTION 2.2. TERM. The directors of the Association shall hold
office until the annual meeting of shareholders next following their election
and until their successors have been elected and qualified unless removed
according to the provisions of the Articles of Association or these Bylaws.
SECTION 2.3. VACANCIES. Any vacancies occurring in the Board for
any reason may, subject to the provisions of Section 2.1. hereof, be filled by
a vote of a majority of the remaining directors, and any director so appointed
shall hold office until the next annual meeting of shareholders or until a
successor is elected.
SECTION 2.4. ANNUAL MEETINGS. Following the annual meeting of the
shareholders, the Chairman or the Secretary of the meeting shall notify the
directors-elect of their election, and they shall meet promptly for the
purposes of electing officers of the Association for the ensuing year and for
the transaction of such organizational and other business as properly may come
before the meeting.
SECTION 2.5. REGULAR MEETINGS. Regular meetings of the Board shall
be held without notice at 10:30 a.m. on the Wednesday before the third Tuesday
of each January, April, July and October. Regular meetings of the Board also
shall be held each June and December on such date and at such time as the
Chairman may prescribe, with notice of such meetings to be given to each member
of the Board by telegram, letter, telephone, telecopy or in person. Such
meetings shall be held at the principal office of the Association. If any
regular meeting of the Board shall fall upon a holiday, the meeting shall be
held at the time and place specified in this Section on the next banking
business day unless some other date shall be designated by a majority of the
Board. A special meeting may be held in lieu of a regular meeting in any given
calendar month.
SECTION 2.6. SPECIAL MEETINGS. Special meetings of the Board may be
called either by the Chairman, or in his absence, by the President, or in his
absence, by any of the Vice Chairmen of the Board, or at the request of three
or more directors. Each member of the Board shall be given notice by telegram,
letter, telephone, telecopy or in person stating the time, place and purpose of
each such meeting.
SECTION 2.7. QUORUM. For the transaction of business, a quorum of
the Board shall consist of not less than a majority of the entire Board then in
office. If, at the time fixed for any meeting, a quorum is not present, the
directors in attendance may adjourn the meeting from time to time until a
quorum is obtained. The majority of those directors present and voting at any
meeting of the Board shall decide each matter considered.
Page 2 of 6
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SECTION 2.8. ADVISORY DIRECTORS. The Board may appoint such
advisory directors as it may deem appropriate, each of whom shall hold office
until the next annual meeting of the directors following their elections. The
advisory directors of the Association shall have the right to attend the
meetings of the Board held each January, April, July and October and to advise
with the Board concerning the affairs of the Association, but advisory
directors shall not have the right to vote.
SECTION 2.9. RETIREMENT OF DIRECTORS. No person shall be elected
to serve as a director or an advisory director of the Association who has
attained 68 years of age at the time of such election except in accordance with
this Section. Notwithstanding the foregoing, any director or advisory director
of the Association who, at the time of the adoption of these Bylaws, is not
eligible under the foregoing provision to be elected to such office may be
elected to serve in such capacity for one additional term. Any director or
advisory director of the Association who, during his or her term of office,
ceases to be eligible under the foregoing provision to be elected to such
office may continue to serve the remainder of his or her term of office until
the next annual meeting of shareholders.
SECTION 3: OFFICERS
SECTION 3.1. CHAIRMAN. There shall be a Chairman, as designated by
the Board. The Chairman shall preside at all meetings of the Board. The
Chairman shall preside at all meetings of the Loan and Discount Committee at
which the Chairman is present, unless the Chairman shall elect to delegate this
duty and responsibility to another officer. The Chairman shall have
supervision over and exercise general executive and administrative powers
relating to all of the operations and business of the Association. The
Chairman shall from time to time assign all officers of this Association their
respective powers, duties and responsibilities and shall have and exercise such
other powers and duties as from time to time may be conferred upon the Chairman
or assigned to the Chairman of the Board.
SECTION 3.2. PRESIDENT. The President shall be a member of the
Board. The President shall have and may exercise any and all other powers and
duties pertaining by law, regulation or practice to the office of president or
imposed by these Bylaws. The President shall perform such executive and
administrative duties as may be assigned to the President by the Board, and in
the case of the absence or inability of the Chairman to act, the President
shall perform the duties of the Chairman during such absence or inability.
SECTION 3.3. VICE CHAIRMAN. The Board may appoint one or more of
its directors as Vice Chairmen. During the absence of the Chairman and the
President, the Vice Chairmen, in the order of their seniority as Vice Chairmen,
shall preside at the meetings of the Board. Each Vice Chairman shall perform
such executive and administrative duties as may be assigned to such Vice
Chairman by the Chairman.
Page 3 of 6
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SECTION 3.4. EXECUTIVE TRUST OFFICER. There shall be an Executive
Trust Officer of the Association, appointed by the Board, whose duties shall be
to manage, supervise and direct all of the activities of the Trust Department.
The Board may appoint other trust officers as it may deem appropriate with such
duties as may be designated by the Board or by the Executive Trust Officer.
SECTION 3.5. SECRETARY AND ASSISTANT SECRETARIES. The Board shall
appoint a Secretary, or other designated officer, who shall be secretary of the
Board and of the Association and shall keep accurate minutes of all meetings.
The Secretary shall attend to the giving of all notices required by these
Bylaws; shall be custodian of the corporate seal, records, documents and papers
of the Association; shall have and may exercise any and all other powers and
duties pertaining by law, regulation or practice, to the office of secretary or
cashier, or imposed by these Bylaws; and also shall perform such duties as may
be assigned from time to time by the Board or the Chairman. The Board may
appoint one or more Assistant Secretaries and/or a Cashier, and each of the
Assistant Secretaries and Cashier so appointed shall have the same authority
provided by these Bylaws to the Secretary and such other duties as may be
assigned by the Board or the Chairman.
SECTION 3.6. OTHER OFFICERS. The Board may appoint one or more
Executive Vice Presidents, one or more Senior Vice Presidents, one or more Vice
Presidents, and such other officers with such titles as may from time to time
be deemed appropriate for the transaction of the business of the Association.
Each such officer shall have such duties as from time to time may be assigned
to such officer by the Chairman.
SECTION 3.7. TERM OF OFFICE. The Chairman, the Vice Chairmen and
the President shall hold their offices for the current year for which the
Board, of which they are members or advisory members, was elected unless they
shall resign, become disqualified or be removed. Such officers may be removed
by the Board with or without cause. Any vacancy occurring in such offices
shall be filled by the Board. All other persons shall hold the offices to
which they are elected subject to removal by the Chairman or by the Board.
SECTION 3.8. RECORDS OF THE ASSOCIATION. The Secretary shall be
responsible for the minute books of the Association, the organizational papers
of the Association, the Articles of Association, the returns of elections, the
Bylaws, the proceedings of regular and special meetings of the Board and of the
shareholders and the reports of the committees of the Board. The minutes of
each meeting shall be signed by either the Secretary or an Assistant Secretary
or the person acting in such capacity in the absence of the Secretary or an
Assistant Secretary and approved by the officer presiding at such meeting.
Page 4 of 6
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SECTION 4: COMMITTEES
SECTION 4.1. BOARD COMMITTEES. Each year at its annual
organizational meeting and at such other times as it deems necessary, the Board
shall appoint such committees, consisting of directors and/or advisory
directors, as it deems appropriate, specifying the authority and
responsibilities of each such committee. Such committees shall include at
least an Examining and Audit Committee, a Trust Audit Committee, a Trust
Committee and a Nominating Committee and any other committee required by law.
Any advisory director appointed to a committee shall have the right to attend
meetings of the committee and to advise the committee but shall not have the
right to vote.
SECTION 4.2. MANAGEMENT COMMITTEES. Not less than annually the
Chairman shall appointment a Loan and Discount Committee and such other
management committees and subcommittees, comprised of officers and/or employees
of the Association, as the Chairman deems appropriate, and those committees
shall have such powers and responsibilities, not inconsistent with these Bylaws
or any resolution of the Board, as the Chairman may specify.
SECTION 4.3. MINUTES. Each committee shall keep minutes of its
meetings, which shall be filed with the Secretary or an Assistant Secretary.
SECTION 4.4. QUORUM. At least half of the members of a committee
shall be required to constitute a quorum for the transaction of such
committee's business unless a greater number shall be specifically required in
the case of a Board committee by resolution or in the case of a management
committee by the Chairman.
SECTION 5: STOCK
SECTION 5.1. TRANSFER OF SHARES. The capital stock of the
Association shall be transferable on the stock certificate books of the
Association, and all such transfers shall be recorded therein.
SECTION 5.2. CERTIFICATES REPRESENTING SHARES. Certificates
representing shares of capital stock of the Association shall be in the form
approved by the Board and shall be signed manually or by facsimile signature by
the Chairman, the President, any Vice Chairman, Executive Vice President or
Senior Vice President, and by the Secretary, an Assistant Secretary, or the
Cashier. In case any officer who has signed or whose facsimile signature has
been placed upon the form of certificate shall have ceased to be such officer
before such certificate is issued, such certificate may be issued with the same
effect as if the officer were such officer at the date of issuance.
Page 5 of 6
21
SECTION 6: SEAL
The seal of this Association shall be in such form as may be from time to
time prescribed by the Board. Each of the Secretary, the Assistant Secretaries
and such officers of the Association as the Board may direct shall have
authority to affix the corporate seal of this Association to any document
requiring such seal and to attest the same.
SECTION 7: EXECUTION OF INSTRUMENTS
All agreements, indentures, mortgages, deeds, conveyances, transfers,
certificates, declarations, receipts, discharges, releases, satisfactions,
settlements, petitions, schedules, accounts, affidavits, bonds, checks, drafts,
undertakings, proxies and other instruments or documents may be signed,
executed, acknowledged, verified, delivered or accepted in the name of and on
behalf of the Association by such officers as the Board may from time to time
direct or, if the Board has not directed, then by such officers as the Chairman
from time to time directs. The provisions of this Section 7 are supplementary
to any other provision of these Bylaws.
SECTION 8: BANKING HOURS
Except as otherwise provided by law, the Association shall be open for
business on such days of the week and during such hours as the Chairman or his
designee may direct.
SECTION 9: INDEMNIFICATION
The Association shall indemnify and advance expenses to all directors,
advisory directors, officers, employees and agents of the Association, and to
all persons who are or were serving at the request of the Association as a
director, advisory director, officer, partner, venturer, proprietor, trustee,
employee, agent or similar functionary of another corporation, association,
partnership, joint venture, sole proprietorship, trust, employee benefit plan
or other enterprise to the maximum extent allowed by the Texas Business
Corporation Act or other applicable state law, Federal banking law and/or
regulations.
SECTION 10: AMENDMENTS TO BYLAWS
These Bylaws may be amended, altered or repealed at any meeting of the
Board by a vote of a majority of the full Board. In addition, the
Association's shareholders may repeal, alter or amend these Bylaws even though
the Bylaws also may be amended or repealed by the Board.
Page 6 of 6
22
EXHIBIT 6
Texas Commerce Bank National Association, as a condition to qualification
under the Trust Indenture Act of 1939, consents that reports of examinations by
federal, state, territorial, or district authorities may be furnished by such
authorities to the Securities and Exchange Commission of the United States upon
request of said Commission for said reports, as provided in Section 321 of said
Trust Indenture Act of 1939.
TEXAS COMMERCE BANK NATIONAL ASSOCIATION
By: /s/ GREG DICKEY
Title: Assistant Vice President
Dated: March ___, 1994
23
EXHIBIT 7
24
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 February 28, 1995
FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL
(1)
Please refer to page i,
(LOGO) Table of Contents, for
the required disclosure
of estimated burden.
CONSOLIDATED REPORTS OF CONDITION AND INCOME FOR
A BANK WITH DOMESTIC AND FOREIGN OFFICE -- FFIEC 031
(931231)
REPORT AT THE CLOSE OF BUSINESS DECEMBER 31, 1993 (RCRI 9999)
This report is required by law: 12 U.S.C. Section 324 (State member banks); 12
U.S.C Section 1817 (State nonmember banks); and 12 U.S.C. Section 161
(National banks).
NOTE: The Reports of Condition and Income must be signed by an authorized
officer and the Report of Condition must be attested to by not less than two
directors (trustees) for State nonmember banks and three directors for State
member and National banks.
I, Kenneth L. Tilton, EVP & 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/ KENNETH L. TILTON
Signature of Officer Authorized to Sign Report
January 27, 1994
Date of Signature
FOR BANKS SUBMITTING HARD COPY REPORT FORMS:
STATE MEMBER BANKS: Return the original and one copy to the appropriate Federal
Reserve District Bank.
STATE NONMEMBER BANKS: Return the original only in the special return address
envelope provided. If express mail is used in lieu of the special return
address envelope, return the original only to the FDIC, c/o Quality Data
Systems, 2139 Espey Court, Crofton, MD 21114.
This report form is to be filed by bank with branches and consolidated
subsidiaries in U.S. territories and possessions, Edge or Agreement
subsidiaries, foreign branches, consolidated foreign subsidiaries, or
International Banking Facilities.
The Reports of Condition and Income are to be prepared in accordance with
Federal regulatory authority instructions. NOTE: These instructions may in
some cases differ from generally accepted accounting principles.
We, the undersigned directors (trustees), attest to the correctness of this
Report of Condition (including the supporting schedules) and declare that it
has been examined by us and to the best of our knowledge and belief has been
prepared in conformance with the instructions issued by the appropriate Federal
regulatory authority and is true and correct.
Marc J. Shapiro /s/ MARC J. SHAPIRO
Director (Trustee)
Alan R. Buckwalter, III /s/ ALAN R. BUCKWALTER, III
Director (Trustee)
Robert C. Hunter /s/ ROBERT C. HUNTER
Director (Trustee)
NATIONAL BANKS: Return the original only in the special return address
envelope, provided. If express mail is used in lieu of the special return
address envelope, return the original only to the FDIC, c/o Quality Data
Systems, 2139 Espey Court, Crofton, MD 21114.
FDIC Certificate Number 03263
(RCRI 9060)
CALL NO. 186 31 12-31-93
CERT: 03263 00373 STBK 48-3926
TEXAS COMMERCE BANK NATIONAL ASSOCIA
P.O. BOX 2558
HOUSTON, TX 77252
Board of Governors of the Federal Reserve System, Federal Deposit Insurance
Corporation, Office of the Comptroller of the Currency
25
FFIEC 031
Page
(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-3
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 Operation . . . . . . . . . . . . . . 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-4, 5
Schedule RC-C -- Loans and Lease Financing
Receivables:
Part I. Loans and Leases . . . . . . . . . . . . . . . . . . . . . . . . . . RC-6, 7
Part II. Loans to Small Business and Small Farms (included
in the forms for June 30 only) . . . . . . . . . . . . . . . . . . . . . . RC-7a, 7b
Schedule RC-D -- Assets Held in Trading Accounts in
Domestic Offices Only (to be completed only by banks
with $1 billion or more in total assets) . . . . . . . . . . . . . . . . . . . RC-8
Schedule RC-E -- Deposit Liabilities . . . . . . . . . . . . . . . . . . . . . . RC-9, 10
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-12
Schedule RC-K -- Quarterly Averages . . . . . . . . . . . . . . . . . . . . . . . RC-13
Schedule RC-L -- Off-Balance Sheet Items . . . . . . . . . . . . . . . . . . . . RC-14, 15
Schedule RC-M -- Memoranda . . . . . . . . . . . . . . . . . . . . . . . . . . . RC-16, 17
Schedule RC-N -- Past Due and Nonaccrual Loans,
Leases, and Other Assets . . . . . . . . . . . . . . . . . . . . . . . . . . . RC-18, 19
Schedule RC-O -- Other Data for Deposit
Insurance Assessments . . . . . . . . . . . . . . . . . . . . . . . . . . . . RC-19, 20
Schedule RC-R -- Risk-Based Capital . . . . . . . . . . . . . . . . . . . . . . . RC-21, 22
Optional Narrative Statement Concerning the
Amounts Reported in the Reports of
Condition and Income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . RC-23
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
29.2 hours per respondent and is estimated to vary from 14.6 to 150 hours per
response, depending on individual circumstances. Burden estimates include the
time for reviewing instructions, gathering and maintaing data in the requiring
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. 20249, 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.
26
CALL NO. 186 31 12-31-93
CERT: 03263 00373 STBK 48-3926
TEXAS COMMERCE BANK NATIONAL ASSOCIA
P.O. BOX 2558
HOUSTON, TX 77252
FDIC OMB No. 3064-0074
Expiration Date: 7/31/96
Disclosure of Estimated Burden
The estimated average burden associated with this information collection is 2.5
hours per respondent. Burden estimates include the time for reviewing
instructions 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 Management and Budget. Paperwork Reduction Project 93064- 0074),
Washington, D.C. 20503, and to the Assistant Executive Secretary
(Administration), Room F-400. Federal Deposit Insurance Corporation,
Washington, D.C. 20429.
Advance notification of planned rapid growth is required by Section 304.6 of
the Federal Deposit Insurance Corporation's Rules and Regulations (12 C.F.R.
304.6). Notices received will be treated as confidential by the FDIC.
NOTIFICATION OF PLANNED RAPID GROWTH
Does your bank intend to undertake any special funding plan or
arrangement (as defined below) designed to increase its assets by more
than 7.5 percent during the next three months?
YES / / If "YES is Marked:
File the completed notification form with the
appropriate FDIC Regional Director for
Supervision. A listing of FDIC Regional
Directors appears on the reverse side of this
form National banks should also file a copy
of this notification form with the
appropriate District Deputy Comptroller.
State member banks should also file a copy of
this notification form with the appropriate
Federal Reserve District Bank. Do not submit
this notification form with your completed
Reports of condition and income (Call
Reports).
NO /X/ If "NO" is marked:
Do not file this notification form with any
federal bank regulatory agency. The
notification form should be retained in your
bank's records and be available for examiner
inspection.
DEFINITION
A "special funding plan or arrangement" is any effort to increase the assets of
a bank through (a) the solicitation and acceptance of fully insured deposits
obtained from or through the mediation of brokers or affiliates, (b) the
solicitation of fully insured deposits outside your bank's normal trade area,
or (c) secured borrowings, including repurchase agreements.
Your bank may not implement any special funding plan or arrangement for 30 days
following the date on which your notification is mailed or placed in some other
delivery system for transmission to the appropriate FDIC Regional Director.
________________________________________
Question concerning the FDIC's rapid growth notification requirement should be
directed to your bank's primary federal bank regulatory agency.
/s/ KENNETH L. TILTON January 27, 1994
Signature of Authorized Officer Date
Kenneth L. Tilton, EVP & Controller (713) 216-5263
Name and Title of Authorized Officer Area Code/Telephone Number
FDIC 6331/01 (12-93)
27
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RI-1
HOUSTON, TX 77252 (3)
FDIC CERTIFICATE NUMBER: 03263
CONSOLIDATED REPORT OF INCOME FOR THE PERIOD:
January 1, 1993 - December 31, 1993
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 194,705 | 1.a.(1)(a)
(b) LOANS TO DEPOSITORY INSTITUTIONS..........................................|4019 530 | 1.a.(1)(b)
(c) LOANS TO FINANCE AGRICULTURAL PRODUCTION AND OTHER LOANS |//////////////////|
TO FARMERS................................................................|4024 4,140 | 1.a.(1)(c)
(d) COMMERCIAL AND INDUSTRIAL LOANS...........................................|4012 203,569 | 1.a.(1)(d)
(e) ACCEPTANCES OF OTHER BANKS................................................|4026 16 | 1.a.(1)(e)
(f) LOANS TO INDIVIDUALS FOR HOUSEHOLD, FAMILY, AND |//////////////////|
OTHER PERSONAL EXPENDITURES: |//////////////////|
(1) CREDIT CARDS AND RELATED PLANS.........................................|4054 9,818 | 1.a.(1)(f)(1)
(2) OTHER..................................................................|4055 91,267 | 1.a.(1)(f)(2)
(g) LOANS TO FOREIGN GOVERNMENTS AND OFFICIAL INSTITUTIONS....................|4056 18,578 | 1.a.(1)(g)
(h) OBLIGATIONS (OTHER THAN SECURITIES AND LEASES) OF STATES |//////////////////|
AND POLITICAL SUBDIVISIONS IN THE U.S.: |//////////////////|
(1) TAXABLE OBLIGATIONS....................................................|4503 0 | 1.a.(1)(h)(1)
(2) TAX-EXEMPT OBLIGATIONS.................................................|4504 24,527 | 1.a.(1)(h)(2)
(I) ALL OTHER LOANS IN DOMESTIC OFFICES.......................................|4058 105,705 | 1.a.(1)(i)
(2) IN FOREIGN OFFICES, EDGE AND AGREEMENT SUBSIDIARIES, AND IBFS................|4059 14,864 | 1.a.(2)
b. INCOME FROM LEASE FINANCING RECEIVABLES: |//////////////////|
(1) TAXABLE LEASES...............................................................|4505 17,691 | 1.b.(1)
(2) TAX-EXEMPT LEASES............................................................|4307 0 | 1.b.(2)
c. INTEREST INCOME ON BALANCES DUE FROM DEPOSITORY INSTITUTIONS:(1) |//////////////////|
(1) IN DOMESTIC OFFICES..........................................................|4105 48 | 1.c.(1)
(2) IN FOREIGN OFFICES, EDGE AND AGREEMENT SUBSIDIARIES, AND IBFs................|4106 314 | 1.c.(2)
d. INTEREST AND DIVIDEND INCOME ON SECURITIES: |//////////////////|
(1) U.S. TREASURY SECURITIES AND U.S. GOVERNMENT AGENCY AND |//////////////////|
CORPORATION OBLIGATIONS......................................................|4027 158,890 | 1.d.(1)
(2) SECURITIES ISSUED BY STATES AND POLITICAL SUBDIVISIONS |//////////////////|
IN THE U.S.: |//////////////////|
(a) TAXABLE SECURITIES........................................................|4506 3 | 1.d.(2)(a)
(b) TAX-EXEMPT SECURITIES.....................................................|4507 121 | 1.d.(2)(b)
(3) OTHER DOMESTIC DEBT SECURITIES ..............................................|3657 25,940 | 1.d.(3)
(4) FOREIGN DEBT SECURITIES .....................................................|3658 46 | 1.d.(4)
(5) EQUITY SECURITIES (INCLUDING INVESTMENTS IN MUTUAL FUNDS)....................|3659 2,664 | 1.d.(5)
e. INTEREST INCOME FROM ASSETS HELD IN TRADING ACCOUNTS............................|4069 2,530 | 1.e.
|------------------|
- ---------------
(1) INCLUDES INTEREST INCOME ON TIME CERTIFICATES OF DEPOSIT NOT HELD IN
TRADING ACCOUNTS.
28
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RI-2
HOUSTON, TX 77252 (4)
SCHEDULE RI-CONTINUED
|------------------|
DOLLAR AMOUNTS IN THOUSANDS |RIAD Bil Mil Thou |
- -----------------------------------------------------------------------------|------------------|
1. INTEREST INCOME (CONTINUED) |//////////////////|
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 148,610 | 1.f.
g. TOTAL INTEREST INCOME (SUM OF ITEMS 1.a. THROUGH 1.f.).................|4107 1,024,576 | 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 32,262 | 2.a.(1)(a)
(b) NONTRANSACTION ACCOUNTS: |//////////////////|
(1) MONEY MARKET DEPOSIT ACCOUNTS (MMDAs).........................|4509 29,942 | 2.a.(1)(b)(1)
(2) OTHER SAVINGS DEPOSITS........................................|4511 65,154 | 2.a.(1)(b)(2)
(3) TIME CERTIFICATES OF DEPOSIT OF $100,000 OR MORE..............|4174 28,824 | 2.a.(1)(b)(3)
(4) ALL OTHER TIME DEPOSITS.......................................|4512 95,383 | 2.a.(1)(b)(4)
(2) INTEREST ON DEPOSITS IN FOREIGN OFFICES, EDGE AND AGREEMENT |//////////////////|
SUBSIDIARIES, AND IBFs..............................................|4172 10,598 | 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 21,666 | 2.b.
c. INTEREST ON DEMAND NOTES ISSUED TO THE U.S. TREASURY AND ON |//////////////////|
OTHER BORROWED MONEY...................................................|4185 19,337 | 2.c.
d. INTEREST ON MORTGAGE INDEBTEDNESS AND OBLIGATIONS UNDER |//////////////////|
CAPITALIZED LEASES.....................................................|4072 2,514 | 2.d.
e. INTEREST ON SUBORDINATED NOTES AND DEBENTURES .........................|4200 25,003 | 2.e.
f. TOTAL INTEREST EXPENSE (SUM OF ITEMS 2.a. THROUGH 2.e.)................|4073 330,683 | 2.f--------------------|
3. NET INTEREST INCOME (ITEM 1.g. MINUS 2.f.)...............................|//////////////////|4074 693,893 | 3.
4. PROVISIONS: |//////////////////|------------------------|
a. PROVISION FOR LOAN AND LEASE LOSSES...................................|//////////////////|4230 683 | 4.a
b. PROVISION FOR ALLOCATED TRANSFER RISK.................................|//////////////////|4243 2,290 | 4.b
5. NONINTEREST INCOME: |//////////////////|------------------------|
a. INCOME FROM FIDUCIARY ACTIVITIES......................................|4070 98,551 | 5.a
b. SERVICE CHARGES ON DEPOSIT ACCOUNTS IN DOMESTIC OFFICES...............|4080 144,548 | 5.b
c. TRADING GAINS (LOSSES) AND FEES FROM FOREIGN EXCHANGE |//////////////////|
TRANSACTIONS..........................................................|4075 10,491 | 5.c
d. OTHER FOREIGN TRANSACTION GAINS (LOSSES)..............................|4076 103 | 5.d
e. GAINS (LOSSES) AND FEES FROM ASSETS HELD IN TRADING ACCOUNTS..........|4077 13,900 | 5.e
f. OTHER NONINTEREST INCOME: |//////////////////
(1) OTHER FEE INCOME ..................................................|5407 102,440 | 5.f.(1)
(2) ALL OTHER NONINTEREST INCOME * ....................................|5408 29,099 | 5.f.(2)----------------|
g. TOTAL NONINTEREST INCOME (SUM OF 5.a. THROUGH 5.f.)...................|//////////////////|4079 399,132 | 5.g
6. GAINS (LOSSES) ON SECURITIES NOT HELD IN TRADING ACCOUNTS................|//////////////////|4091 0 | 6.
7. NONINTEREST EXPENSE: |//////////////////|------------------------|
a. SALARIES AND EMPLOYEE BENEFITS........................................|4135 342,867 | 7.a
b. EXPENSES OF PREMISES AND FIXED ASSETS (NET OF RENTAL INCOME) |//////////////////|
(EXCLUDING SALARIES AND EMPLOYEE BENEFITS AND MORTGAGE INTEREST)..... |4217 108,169 | 7.b
c. OTHER NONINTEREST EXPENSE * ...........................................|4092 361,554 | 7.c--------------------|
d. TOTAL NONINTEREST EXPENSE (SUM OF ITEMS 7.a. THROUGH 7.c.).............|//////////////////|4093 812,590 | 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, AND 7.d.)...|//////////////////|4301 277,462 | 8.
9. APPLICABLE INCOME TAXES (ON ITEM 8)......................................|//////////////////|4302 102,291 | 9.
10. INCOME (LOSS) BEFORE EXTRAORDINARY ITEMS AND OTHER ADJUSTMENTS |//////////////////|------------------------|
(ITEM 8 MINUS ITEM 9)....................................................|//////////////////|4300 175,171 | 10.
11. EXTRAORDINARY ITEMS AND OTHER ADJUSTMENTS: |//////////////////|------------------------|
a. EXTRAORDINARY ITEMS AND OTHER ADJUSTMENTS, GROSS OF INCOME TAXES * ...|4310 14,076 | 11.a
b. APPLICABLE INCOME TAXES (ON ITEM 11.a.) * ............................|4315 (7,705)| 11.b
c. EXTRAORDINARY ITEMS AND OTHER ADJUSTMENTS, NET OF INCOME TAXES |//////////////////|------------------------|
(ITEM 11.a. MINUS 11.b.)...............................................|//////////////////|4320 21,781 | 11.c
12. NET INCOME (LOSS) (SUM OF ITEMS 10 AND 11.c.)............................|//////////////////|4340 196,952 | 12.
- --------------------- |------------------|------------------------|
* DESCRIBE ON SCHEDULE RI-E-EXPLANATIONS
29
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RI-3
HOUSTON, TX 77252 (5)
SCHEDULE RI-CONTINUED
|------------|
|Year-to-date|
|------------------|
DOLLAR AMOUNTS IN THOUSANDS |RIAD Bil Mil Thou |
- -------------------------------------------------------------------------------------|------------------|
MEMORANDA |//////////////////|
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 600 | M.1.
2. NOT APPLICABLE................................................................. |//////////////////|
3. ESTIMATED FOREIGN TAX CREDIT INCLUDED IN APPLICABLE INCOME TAXES, |//////////////////|
ITEMS 9 AND 11.B ABOVE............................................................|4309 0 | M.3.
4. TO BE COMPLETED ONLY BY BANKS WITH $1 BILLION OR MORE IN TOTAL ASSETS: |//////////////////|
TAXABLE EQUIVALENT ADJUSTMENT TO "INCOME (LOSS) BEFORE INCOME TAXES AND |//////////////////|
EXTRAORDINARY ITEMS AND OTHER ADJUSTMENTS" (ITEM 8 ABOVE).........................|1244 0 | M.4.
5. NUMBER OF FULL-TIME EQUIVALENT EMPLOYEES ON PAYROLL AT END OF CURRENT PERIOD |//////////////////|
(ROUND TO NEAREST WHOLE NUMBER)...................................................|4150 9,355 | M.5.
|------------------|
SCHEDULE RI-A - CHANGES IN EQUITY CAPITAL
INDICATE DECREASES AND LOSSES IN PARENTHESES.
|------------|
| I483 | <---
|------------------|
DOLLAR AMOUNTS IN THOUSANDS |RIAD Bil Mil Thou |
- -------------------------------------------------------------------------------------|------------------|
1. TOTAL EQUITY CAPITAL ORIGINALLY REPORTED IN THE DECEMBER 31, 1992, REPORTS OF |//////////////////|
CONDITION AND INCOME.............................................................|3215 715,012 | 1.
2. EQUITY CAPITAL ADJUSTMENTS FROM AMENDED REPORT OF INCOME, NET * .................|3216 0 | 2.
3. AMENDED BALANCE END OF PREVIOUS CALENDAR YEAR (SUM OF ITEMS 1 AND 2).............|3217 715,012 | 3.
4. NET INCOME (LOSS) (MUST EQUAL SCHEDULE RI, ITEM 12)..............................|4340 196,952 | 4.
5. SALE, CONVERSION, ACQUISITION, OR RETIREMENT OF CAPITAL STOCK, NET...............|4346 397,726 | 5.
6. CHANGES INCIDENT TO BUSINESS COMBINATIONS, NET...................................|4356 426,829 | 6.
7. LESS: CASH DIVIDENDS DECLARED ON PREFERRED STOCK................................|4470 0 | 7.
8. LESS: CASH DIVIDENDS DECLARED ON COMMON STOCK...................................|4460 185,000 | 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 LOSS ON MARKETABLE EQUITY SECURITIES....................|4413 46,990 | 11.
12. FOREIGN CURRENCY TRANSLATION ADJUSTMENTS.........................................|4414 0 | 12.
13. OTHER TRANSACTIONS WITH PARENT HOLDING COMPANY * |//////////////////|
(NOT INCLUDED IN ITEM 5, 7, OR 8 ABOVE)..........................................|4415 96,274 | 13.
14. TOTAL EQUITY CAPITAL END OF CURRENT PERIOD (SUM OF ITEMS 3 THROUGH 13) |//////////////////|
(MUST EQUAL SCHEDULE RC, ITEM 28)................................................|3210 1,694,783 | 14.
|------------------|
- ---------------------
* DESCRIBE ON SCHEDULE RI-E-EXPLANATIONS
30
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RI-4
HOUSTON, TX 77252 (6)
|------------|
SCHEDULE RI-B - CHARGE-OFFS AND RECOVERIES AND CHANGES IN ALLOWANCE | I486 | <--
FOR LOAN AND LEASE LOSSES |-----------------------------------|
PART I. CHARGE-OFFS AND RECOVERIES ON LOANS AND LEASES | (Column A) | (Column B) |
| Charge-offs | Recoveries |
PART I EXCLUDES CHARGE-OFFS AND RECOVERIES THROUGH THE |-----------------|-----------------|
ALLOCATED TRANSFER RISK RESERVE. | 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 12,555 |4661 4,116 | 1.a.
b. TO NON-U.S. ADDRESSEES (DOMICILE).........................................|4652 0 |4662 0 | 1.b.
2. LOANS TO DEPOSITORY INSTITUTIONS AND ACCEPTANCES OF OTHER BANKS: |/////////////////|/////////////////|
a. TO U.S. BANKS AND OTHER U.S. DEPOSITORY INSTITUTIONS......................|4653 0 |4663 0 | 2.a.
b. TO FOREIGN BANKS..........................................................|4654 3,058 |4664 0 | 2.b.
3. LOANS TO FINANCE AGRICULTURAL PRODUCTION AND OTHER LOANS TO FARMERS..........|4655 0 |4665 0 | 3.
4. COMMERCIAL AND INDUSTRIAL LOANS: |/////////////////|/////////////////|
a. TO U.S. ADDRESSEES (DOMICILE).............................................|4645 19,966 |4617 7,930 | 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 1,060 |4666 281 | 5.a.
b. OTHER (INCLUDES SINGLE PAYMENT, INSTALLMENT, AND ALL STUDENT LOANS).......|4657 8,095 |4667 1,843 | 5.b.
6. LOANS TO FOREIGN GOVERNMENTS AND OFFICIAL INSTITUTIONS.......................|4643 9,124 |4627 6,578 | 6.
7. ALL OTHER LOANS..............................................................|4644 1,155 |4628 492 | 7.
8. LEASE FINANCING RECEIVABLES: |/////////////////|/////////////////|
a. OF U.S. ADDRESSEES (DOMICILE).............................................|4658 0 |4668 0 | 8.a.
b. OF NON-U.S. ADDRESSEES (DOMICILE).........................................|4659 2,020 |4669 0 | 8.b.
9. TOTAL (SUM OF ITEMS 1 THROUGH 8).............................................|4635 57,033 |4605 21,240 | 9.
|-----------------------------------|
|-----------------------------------|
| Cumulative | Cumulative |
| Charge-Offs | Recoveries |
| Jan. 1, 1986 | Jan. 1, 1986 |
MEMORANDUM | through | through |
| Dec. 31, 1989 | Report Date |
DOLLAR AMOUNTS IN THOUSANDS |-----------------|-----------------|
- --------------------------------------------------------------------------------| Bil Mil Thou| Bil Mil Thou|
TO BE COMPLETED BY NATIONAL BANKS ONLY |/////////////////|/////////////////|
1. CHARGE-OFFS AND RECOVERIES OF SPECIAL-CATEGORY LOANS, AS DEFINED FOR THIS |/////////////////|/////////////////|
CALL REPORT BY THE COMPTROLLER OF THE CURRENCY...............................|/////////////////|4784 13,355 | M.1.
|-----------------|-----------------|
|-----------------------------------|
| (Column A) | (Column B) |
| Charge-offs | Recoveries |
|-----------------|-----------------|
| CALENDAR YEAR-TO-DATE |
MEMORANDUM ITEMS 2 AND 3 ARE TO BE COMPLETED BY ALL BANKS. |-----------------|-----------------|
|RIAD Bil Mil Thou|RIAD Bil Mil Thou|
2. 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 12 |5410 340 | M.2.
3. LOANS SECURED BY REAL ESTATE IN DOMESTIC OFFICES (INCLUDED IN SCHEDULE |/////////////////|/////////////////|
RI-B, PART I, ITEM 1, ABOVE): |/////////////////|/////////////////|
a. CONSTRUCTION AND LAND DEVELOPMENT.........................................|3582 2,329 |3583 1,705 | M.3.a.
b. SECURED BY FARMLAND.......................................................|3584 0 |3585 221 | 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.............................|5411 0 |5412 0 | M.3.c.(1)
(2) ALL OTHER LOANS SECURED BY 1-4 FAMILY RESIDENTIAL PROPERTIES..........|5413 1,568 |5414 619 | M.3.c.(1)
d. SECURED BY MULTIFAMILY (5 OR MORE) RESIDENTIAL PROPERTIES.................|3588 0 |3589 196 | M.3.d.
e. SECURED BY NONFARM NONRESIDENTIAL PROPERTIES..............................|3590 8,658 |3591 1,375 | M.3.e.
|-----------------|-----------------|
31
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RI-5
HOUSTON, TX 77252 (7)
FDIC CERTIFICATE NUMBER: 03263
SCHEDULE RI-B -- CONTINUED |-----------------------------------|
| (Column A) | (Column B) |
PART II. CHANGES IN ALLOWANCE FOR LOAN AND LEASE LOSSES | Allowance For | Allocated |
AND IN ALLOCATED TRANSFER RISK RESERVE | Loan and Lease | Transfer Risk |
| Losses | Reserve |
|-----------------|-----------------|
DOLLAR AMOUNTS IN THOUSANDS | Bil Mil Thou| Bil Mil Thou|
- --------------------------------------------------------------------------------|-----------------|-----------------|
1. BALANCE ORIGINALLY REPORTED IN DECEMBER 31, 1992, REPORTS OF |/////////////////|/////////////////|
CONDITION AND INCOME ........................................................|3124 205,018 |3131 0 | 1.
2. RECOVERIES (COLUMN A MUST EQUAL PART I, ITEM 9, COLUMN B ABOVE)..............|4605 21,240 |3132 0 | 2.
3. LESS: CHARGE-OFFS (COLUMN A MUST EQUAL PART I, ITEM 9, COLUMN A ABOVE)......|4635 57,033 |3133 0 | 3.
4. PROVISION (COLUMN A MUST EQUAL SCHEDULE RI, ITEM 4.a.; COLUMN B |/////////////////|/////////////////|
MUST EQUAL SCHEDULE RI, ITEM 4.b.)...........................................|4230 683 |4243 2,290 | 4.
5. ADJUSTMENTS * (SEE INSTRUCTIONS FOR THIS SCHEDULE)...........................|4815 154,700 |3134 0 | 5.
6. BALANCE END OF CURRENT PERIOD (SUM OF ITEMS 1 THROUGH 5) |/////////////////|/////////////////|
(COLUMN A MUST EQUAL SCHEDULE RC, ITEM 4.b.; COLUMN B MUST EQUAL |/////////////////|/////////////////|
SCHEDULE RC, ITEM 4.c.)......................................................|3123 324,608 |3128 2,290 | 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 93,194 | 1.
2. STATE AND LOCAL................................................................................|4790 1,392 | 2.
3. FOREIGN........................................................................................|4795 0 | 3.
4. TOTAL (SUM OF ITEMS 1 THROUGH 3)(MUST EQUAL SUM OF SCHEDULES RI, ITEMS 9 AND 11.b).............|4770 94,586 | 4.
5. DEFERRED PORTION OF ITEM 4.....................................................................|4772 0 | 5.
|-----------------|
32
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RI-6
HOUSTON, TX 77252 (8)
SCHEDULE RI-D - INCOME FROM INTERNATIONAL OPERATIONS
FOR ALL BANKS WITH FOREIGN OFFICES, EDGE OR AGREEMENT SUBSIDIARIES, OR IBFs
WHERE INTERNATIONAL OPERATIONS ACCOUNT FOR MORE THAN 10 PERCENT OF TOTAL
REVENUES, TOTAL ASSETS, OR NET INCOME.
|------------|
PART I. ESTIMATED INCOME FROM INTERNATIONAL OPERATIONS | I492 | <---
|------------------|
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 0 | 1.a.
b. INTEREST EXPENSE BOOKED.......................................................................|4838 0 | 1.b.
c. NET INTEREST INCOME BOOKED AT FOREIGN OFFICES, EDGE AND AGREEMENT SUBSIDIARIES, |//////////////////|
AND IBFs (ITEM 1.a. MINUS 1.b.)...............................................................|4839 0 | 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 0 | 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 0 | 6.
7. INCOME TAXES ATTRIBUTABLE TO INCOME FROM INTERNATIONAL OPERATIONS AS ESTIMATED IN ITEM 6.........|4797 0 | 7.
8. ESTIMATED NET INCOME ATTRIBUTABLE TO INTERNATIONAL OPERATIONS (ITEM 6 MINUS 7)...................|4341 0 | 8.
|------------------|
MEMORANDA |------------------|
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
|------------------|
DOLLAR AMOUNTS IN THOUSANDS |RIAD Bil Mil Thou |
- ----------------------------------------------------------------------------------------------------|------------------|
1. INTEREST INCOME BOOKED AT IBFs...................................................................|4849 0 | 1.
2. INTEREST EXPENSE BOOKED AT IBFs..................................................................|4850 0 | 2.
3. NONINTEREST INCOME ATTRIBUTABLE TO INTERNATIONAL OPERATIONS BOOKED AT DOMESTIC OFFICES |//////////////////|
(EXCLUDING IBFs): |//////////////////|
a. GAINS (LOSSES) AND EXTRAORDINARY ITEMS.......................................................|5491 0 | 3.a.
b. FEES AND OTHER NONINTEREST INCOME ...........................................................|5492 0 | 3.b.
4. PROVISION FOR LOAN AND LEASE LOSSES ATTRIBUTABLE TO INTERNATIONAL OPERATIONS BOOKED AT DOMESTIC |//////////////////|
OFFICES (EXCLUDING IBFs).........................................................................|4852 0 | 4.
5. OTHER NONINTEREST EXPENSE ATTRIBUTABLE TO INTERNATIONAL OPERATIONS BOOKED AT DOMESTIC OFFICES |//////////////////|
(EXCLUDING IBFs).................................................................................|4853 0 | 5.
|------------------|
33
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RI-7
HOUSTON, TX 77252 (9)
FDIC CERTIFICATE NUMBER: 03263
SCHEDULE RI-E EXPLANATIONS
SCHEDULE RI-E IS TO BE COMPLETED EACH QUARTER ON A CALENDAR YEAR-TO-DATE BASIS.
DETAIL ALL ADJUSTMENTS IN SCHEDULES 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 |
|-----------------|
DOLLAR AMOUNTS IN THOUSANDS|RIAD Bil Mil Thou|
- -------------------------------------------------------------------------------|-----------------|
1. ALL OTHER NONINTEREST INCOME (FROM SCHEDULE RI, ITEM 5.f(2)) |/////////////////|
REPORT AMOUNTS THAT EXCEED 10% OF SCHEDULE RI, ITEM 5.f(2): |/////////////////|
a. NET GAINS ON OTHER REAL ESTATE OWNED.....................................|5415 0 | 1.a.
b. NET GAINS ON SALES OF LOANS .............................................|5416 0 | 1.b.
c. NET GAINS ON SALES OF PREMISES AND FIXED ASSETS .........................|5417 0 | 1.c.
ITEMIZE AND DESCRIBE THE THREE LARGEST AMOUNTS THAT EXCEED 10% OF |/////////////////|
SCHEDULE RI, ITEM 5.f.(2): |/////////////////|
d.|4461| Interbank Contract Services |4461 10,270 | 1.d.
e.|4462| Foreclosed Property Operating Income |4462 4,952 | 1.e.
f.|4463| |4463 0 | 1.f.
2. OTHER NONINTEREST EXPENSE (FROM SCHEDULE RI, ITEM 7.c.): |/////////////////|
a. AMORTIZATION EXPENSE OF INTANGIBLE ASSETS................................|4531 40,274 | 2.a.
REPORT AMOUNTS THAT EXCEED 10% OF SCHEDULE RI, ITEM 7.c.: |/////////////////|
b. NET LOSSES ON OTHER REAL ESTATE OWNED....................................|5418 38,951 | 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.|4464| Restructuring Charge |4464 42,478 | 2.e.
f.|4467| |4467 0 | 2.f.
g.|4468| |4468 0 | 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 AMD DESCRIBE ALL EXTRAORDINARY ITEMS AND OTHER ADJUSTMENTS): |/////////////////|
a. (1)|6440|Effect of adopting FASB Statement No. 109 "Ac|------------------|6440 38,709 | 3.a.(1)
(2) APPLICABLE INCOME TAX EFFECT......................|4486 0 |/////////////////| 3.a.(2)
b. (1)|4487|Prior Service Cost of Post Retirement Benefit|------------------|4487 (24,633)| 3.b.(1)
(2) APPLICABLE INCOME TAX EFFECT......................|4488 (7,705)|/////////////////| 3.b.(2)
c. (1)|4489| |------------------|4489 0 | 3.c.(1)
(2) APPLICABLE INCOME TAX EFFECT......................|4491 0 |/////////////////| 3.c.(2)
4. EQUITY CAPITAL ADJUSTMENTS FROM AMENDED REPORTS OF |------------------|/////////////////|
INCOME (FROM SCHEDULE RI-A, ITEM 2) (ITEMIZE AND DESCRIBE ALL ADJUSTMENTS): |/////////////////|
a.|4492| |4492 0 | 4.a.
b.|4493| |4493 0 | 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.|4494| |4494 0 | 5.a.
b.|4495| |4495 0 | 5.b.
6. CORRECTIONS OF MATERIAL ACCOUNTING ERRORS FROM PRIOR YEARS (FROM |/////////////////|
SCHEDULE RI-A, ITEM 10) (ITEMIZE AND DESCRIBE ALL CORRECTIONS): |/////////////////|
a.|4496| |4496 0 | 6.a.
b.|4497| |4497 0 | 6.b.
|-----------------|
34
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RI-8
HOUSTON, TX 77252 (10)
SCHEDULE RI-E CONTINUED
|-----------------|
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.|4498|Capital Injection |4498 96,274 | 7.a.
b.|4499| |4499 0 | 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.|4521|Allowance for banks acquired in business combination |4521 135,463 | 8.a.
b.|4522|First City Allowance at acquistion |4522 19,237 | 8.b.
9. OTHER EXPLANATIONS (THE SPACE BELOW IS PROVIDED FOR THE BANK TO BRIEFLY |/////////////////|
DESCRIBE, AT ITS OPTION, ANY OTHER SIGNIFICANT ITEMS AFFECTING THE |/////////////////|
REPORT OF INCOME): |/////////////////|
|/////////////////|
NO COMMENT |4769 0 |
|-----------------|
OTHER EXPLANATIONS (PLEASE TYPE OR PRINT CLEARLY): | I498 | I499 |
|4769| |-----------------|
35
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RC-1
HOUSTON, TX 77252 (11)
FDIC CERTIFICATE NUMBER: 03263
CONSOLIDATED REPORT OF CONDITION FOR INSURED COMMERCIAL AND STATE
CHARTERED SAVINGS BANKS FOR
December 31, 1993
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 2,146,327 | 1.a
b. INTEREST-BEARING BALANCES (2)..........................................................|0071 5,110 | 1.b
2. SECURITIES (FROM SCHEDULE RC-B)...........................................................|0390 2,741,890 | 2.
3. FEDERAL FUNDS SOLD & 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 5,100,725 | 3.a.
b. SECURITIES PURCHASED UNDER AGREEMENTS TO RESELL........................................|0277 53,148 | 3.b.
4. LOANS AND LEASE FINANCING RECEIVABLES: |------------------|//////////////////|
a. LOANS AND LEASES, NET OF UNEARNED INCOME (FROM SCHEDULE RC-C).......|2122 10,179,286 |//////////////////| 4.a
b. LESS: ALLOWANCE FOR LOAN AND LEASE LOSSES...........................|3123 324,608 |//////////////////| 4.b
c. LESS: ALLOCATED TRANSFER RISK RESERVE...............................|3128 2,290 |//////////////////| 4.c
d. LOANS AND LEASES, NET OF UNEARNED INCOME, |------------------|//////////////////|
ALLOWANCE, AND RESERVE (ITEM 4.a. MINUS 4.b. AND 4.c.).................................|2125 9,852,388 | 4.d
5. ASSETS HELD IN TRADING ACCOUNTS ..........................................................|2146 15,621 | 5.
6. PREMISES AND FIXED ASSETS (INCLUDING CAPITALIZED LEASES)..................................|2145 505,383 | 6.
7. OTHER REAL ESTATE OWNED (FROM SCHEDULE RC-M)..............................................|2150 132,113 | 7.
8. INVESTMENTS IN UNCONSOLIDATED SUBSIDIARIES AND ASSOCIATED COMPANIES (FROM SCHEDULE RC-M)..|2130 0 | 8.
9. CUSTOMERS' LIABILITY TO THIS BANK ON ACCEPTANCES OUTSTANDING..............................|2155 11,269 | 9.
10. INTANGIBLE ASSETS (FROM SCHEDULE RC-M)....................................................|2143 482,379 | 10.
11. OTHER ASSETS (FROM SCHEDULE RC-F).........................................................|2160 341,058 | 11.
12. TOTAL ASSETS (SUM OF ITEMS 1 THROUGH 11)..................................................|2170 21,387,411 | 12.
|------------------|
- ----------
(1) INCLUDES CASH ITEMS IN PROCESS OF COLLECTION AND UNPOSTED DEBITS.
(2) INCLUDES TIME CERTIFICATES OF DEPOSIT NOT HELD IN TRADING ACCOUNTS.
36
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RC-2
HOUSTON, TX 77252 (12)
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 16,863,105 | 13.a
(1) NONINTEREST-BEARING(1).........................................|RCON|6631 6,830,368 |//////////////////| 13.a.(1)
(2) INTEREST-BEARING...............................................|RCON|6636 10,032,737 |//////////////////| 13.a.(2)
b. IN FOREIGN OFFICES, EDGE AND AGREEMENT SUBSIDIARIES, AND IBFs (FROM SCHEDULE |//////////////////|
RC-E, PART II)......................................................................|RCFN|2200 413,178 | 13.b.
(1) NONINTEREST-BEARING............................................|RCFN|6631 0 |//////////////////| 13.b.(1)
(2) INTEREST-BEARING...............................................|RCFN|6636 413,178 |//////////////////| 13.b.(2)
14. FEDERAL FUNDS PURCHASED AND SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE IN DOMESTIC |//////////////////|
OFFICES OF THE BANK AND OF ITS EDGE AND AGREEMENT SUBSIDIARIES, AND IN IBFs.................|//////////////////|
a. FEDERAL FUNDS PURCHASED.............................................................|RCFD|0278 685,025 | 14.a.
b. SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE......................................|RCFD|0279 240,675 | 14.b.
15. DEMAND NOTES ISSUED TO THE U.S. TREASURY...............................................|RCON|2840 777,884 | 15.
16. OTHER BORROWED MONEY...................................................................|RCFD|2850 102,874 | 16.
17. MORTGAGE INDEBTEDNESS AND OBLIGATIONS UNDER CAPITALIZED LEASES.........................|RCFD|2910 27,243 | 17.
18. BANK'S LIABILITY ON ACCEPTANCES EXECUTED AND OUTSTANDING...............................|RCFD|2920 11,269 | 18.
19. SUBORDINATED NOTES AND DEBENTURES .....................................................|RCFD|3200 345,000 | 19.
20. OTHER LIABILITIES (FROM SCHEDULE RC-G).................................................|RCFD|2930 226,375 | 20.
21. TOTAL LIABILITIES (SUM OF ITEMS 13 THROUGH 20).........................................|RCFD|2948 19,692,628 | 21.
|//////////////////|
22. LIMITED-LIFE PREFERRED STOCK AND RELATED SURPLUS.......................................|RCFD|3282 0 | 22.
EQUITY CAPITAL |//////////////////|
23. PERPETUAL PREFERRED STOCK AND RELATED SURPLUS..........................................|RCFD|3838 0 | 23.
24. COMMON STOCK...........................................................................|RCFD|3230 612,893 | 24.
25. SURPLUS (EXCLUDE ALL SURPLUS RELATED TO PREFERRED STOCK)...............................|RCFD|3839 812,366 | 25.
26. a. UNDIVIDED PROFITS AND CAPITAL RESERVES..............................................|RCFD|3632 222,534 | 26.a.
26. b. LESS: NET UNREALIZED LOSS ON MARKETABLE EQUITY SECURITIES...........................|RCFD|0297 (46,990)| 26.b.
27. CUMULATIVE FOREIGN CURRENCY TRANSLATION ADJUSTMENTS....................................|RCFD|3284 0 | 27.
28. TOTAL EQUITY CAPITAL (SUM OF ITEMS 23 THROUGH 27)......................................|RCFD|3210 1,694,783 | 28.
29. TOTAL LIABILITIES, LIMITED-LIFE PREFERRED STOCK, |//////////////////|
AND EQUITY CAPITAL (SUM OF ITEMS 21, 22, AND 28).......................................|RCFD|3300 21,387,411 | 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 NUMBER
DESCRIBES THE MOST COMPREHENSIVE LEVEL OF AUDITING WORK PERFORMED FOR THE BANK |------------------|
BY INDEPENDENT EXTERNAL AUDITORS AS OF ANY DATE DURING 1992 ............................|RCFD|6724 0 | M.1.
|------------------|
1 = INDEPENDENT AUDIT OF THE BANK CONDUCTED IN ACCORD- 4 = DIRECTORS' EXAMINATION OF THE BANK PERFORMED
ANCE WITH GENERALLY ACCEPTED AUDITING STANDARDS BY BY OTHER EXTERNAL AUDITORS (MAY BE REQUIRED
A CERTIFIED PUBLIC ACCOUNTING FIRM WHICH SUBMITS A BY STATE CHARTERING AUTHORITY)
REPORT ON THE BANK 5 = REVIEW OF THE BANK'S FINANCIAL STATEMENTS BY
2 = INDEPENDENT AUDIT OF THE BANK'S PARENT HOLDING EXTERNAL AUDITORS
COMPANY CONDUCTED IN ACCORDANCE WITH GENERALLY AC- 6 = COMPILATION OF THE BANK'S FINANCIAL STATE-
CEPTED AUDITING STANDARDS BY A CERTIFIED PUBLIC MENTS BY EXTERNAL AUDITORS
ACCOUNTING FIRM WHICH SUBMITS A REPORT ON THE CON- 7 = OTHER AUDIT PROCEDURES (EXCLUDING TAX PRE-
SOLIDATED HOLDING COMPANY (BUT NOT ON THE BANK PARATION WORK)
SEPARATELY) 8 = NO EXTERNAL AUDIT WORK
3 = DIRECTORS' EXAMINATION OF THE BANK CONDUCTED IN
ACCORDANCE WITH GENERALLY ACCEPTED AUDITING STAN-
DARDS BY A CERTIFIED PUBLIC ACCOUNTING FIRM (MAY
BE REQUIRED BY STATE CHARTERING AUTHORITY)
- ---------
(1) INCLUDES TOTAL DEMAND DEPOSITS AND NONINTEREST-BEARING TIME AND SAVINGS
DEPOSITS.
37
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RC-3
HOUSTON, TX 77252 (13)
SCHEDULE RC-A - CASH AND BALANCES DUE FROM DEPOSITORY INSTITUTIONS
|-----------|
EXCLUDE ASSETS HELD IN TRADING ACCOUNTS | 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 1,614,426 |/////////////////| 1.
a. CASH ITEMS IN PROCESS OF COLLECTION AND UNPOSTED DEBITS........................|/////////////////|0020 1,337,670 | 1.a
b. CURRENCY AND COIN..............................................................|/////////////////|0080 276,756 | 1.b
2. BALANCES DUE FROM DEPOSITORY INSTITUTIONS IN THE U.S..............................|/////////////////|0082 50,840 | 2.
a. U.S. BRANCHES AND AGENCIES OF FOREIGN BANKS (INCLUDING THEIR IBFs).............|0083 84 |/////////////////| 2.a
b. OTHER COMMERCIAL BANKS IN THE U.S. AND OTHER DEPOSITORY INSTITUTIONS IN THE |/////////////////|/////////////////| 2.b
U.S (INCLUDING THEIR IBFs).....................................................|0085 50,756 |/////////////////|
3. BALANCES DUE FROM BANKS IN FOREIGN COUNTRIES AND FOREIGN CENTRAL BANKS............|/////////////////|0070 15,991 | 3.
a. FOREIGN BRANCHES OF OTHER U.S. BANKS...........................................|0073 201 |/////////////////| 3.a.
b. OTHER BANKS IN FOREIGN COUNTRIES AND FOREIGN CENTRAL BANKS.....................|0074 15,813 |/////////////////| 3.b.
4. BALANCES DUE FROM FEDERAL RESERVE BANKS...........................................|0090 470,157 |0090 470,157 | 4.
5. TOTAL (SUM OF ITEMS 1 THROUGH 4) (TOTAL OF COLUMN A MUST EQUAL SCHEDULE RC ITEM 1)|0010 2,151,437 |0010 2,151,414 | 5.
|-----------------------------------|
MEMORANDUM
1. NONINTEREST-BEARING BALANCES DUE FROM COMMERCIAL BANKS IN THE U.S. |-----------------|
(INCLUDED IN ITEM 2, COLUMN B ABOVE)................................................................|0050 50,741 | M.1.
|-----------------|
38
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RC-4
HOUSTON, TX 77252 (14)
SCHEDULE RC-B - SECURITIES
|-----------|
EXCLUDE ASSETS HELD IN TRADING ACCOUNTS. | C410 | <---
|--------------------------------------------------|
| CONSOLIDATED BANK | DOMESTIC OFFICE|
|---------------------------------|----------------|
| (Column A) | (Column B) | (Column C) |
| Book Value |Market Value (1)| Book Value |
DOLLAR AMOUNTS IN THOUSANDS |RCFD Bil Mil Tho|RCFD Bil Mil Tho|RCON Bil Mil Tho|
- --------------------------------------------------------------------|----------------|----------------|----------------|
1. U.S. TREASURY SECURITIES ........................................|0400 206,988 |0401 206,988 |0400 206,988 |1.
2. U.S. GOVERNMENT AGENCY AND CORPORATION OBLIGATIONS: |////////////////|////////////////|////////////////|
a. ALL HOLDINGS OF U.S. GOVERNMENT-ISSUED OR GUARANTEED CERT- |////////////////|////////////////|////////////////|
IFICATES OF PARTICIPATION IN POOLS OF RESIDENTIAL MORTGAGES |////////////////|////////////////|////////////////|
(1) ISSUED BY FNMA AND FHLMC..................................|3760 928,399 |3761 942,710 |3760 928,399 |2.a.(1)
(2) GUARANTEED BY GNMA (EXCLUDE FNMA AND FHLMC ISSUES)........|3762 901,845 |3763 901,845 |3762 901,845 |2.a.(2)
b. ALL OTHER.....................................................|0604 308,867 |0605 307,427 |////////////////|2.b.
(1) COLLATERALIZED MORTGAGE OBLIGATIONS ISSUED BY FNMA AND |////////////////|////////////////|////////////////|
FHLMC (INCLUDE REMICS)....................................|////////////////|////////////////|3764 306,881 |2.b.(1)
(2) ALL OTHER U.S. GOVERNMENT-SPONSORED AGENCY OBLIGATIONS (2)|////////////////|////////////////|3765 1,986 |2.b.(2)
(3) ALL OTHER U.S. GOVERNMENT AGENCY OBLIGATIONS (3)..........|////////////////|////////////////|3766 0 |2.b.(3)
3. SECURITIES ISSUED BY STATES AND POLITICAL SUBDIVISIONS IN THE U.S|0402 1,471 |0403 1,675 |////////////////|3.
a. GENERAL OBLIGATIONS...........................................|////////////////|////////////////|3767 1,263 |3.a.
b. REVENUE OBLIGATIONS...........................................|////////////////|////////////////|3768 208 |3.b.
c. INDUSTRIAL DEVELOPMENT AND SIMILAR OBLIGATIONS................|////////////////|////////////////|3769 0 |3.c.
4. OTHER DOMESTIC DEBT SECURITIES: |////////////////|////////////////|////////////////|
a. ALL HOLDINGS OF PRIVATE (I.E. NONGOVERNMENT-ISSUED OR |////////////////|////////////////|////////////////|
GUARANTEED) CERTIFICATES OF PARTICIPATION IN POOLS OF |////////////////|////////////////|////////////////|
RESIDENTIAL MORTGAGES.........................................|0408 0 |0409 0 |0408 0 |4.a.
b. ALL OTHER DOMESTIC DEBT SECURITIES |////////////////|////////////////|////////////////|
(1) PRIVATELY-ISSUED COLLATERALIZED MORTGAGE OBLIGATIONS |////////////////|////////////////|////////////////|
(INCLUDE REMICS)..........................................|5361 30,498 |5362 30,665 |5361 30,498 |4.b.(1)
(2) ALL OTHER.................................................|5363 319,758 |5364 321,605 |5363 319,758 |4.b.(2)
5. FOREIGN DEBT SECURITIES .........................................|3635 1,273 |3636 1,230 |3635 1,273 |5.
6. EQUITY SECURITIES: |////////////////|////////////////|////////////////|
a. MARKETABLE EQUITY SECURITIES: |////////////////|////////////////|////////////////|
(1) INVESTMENTS IN MUTUAL FUNDS...............................|3637 0 |3638 0 |3637 0 |6.a.(1)
(2) OTHER MARKETABLE EQUITY SECURITIES .......................|3639 33 |3640 33 |3639 33 |6.a.(2)
(3) LESS: NET UNREALIZED LOSS ON MARKETABLE EQUITY SECURITIES |3641 0 |////////////////|3641 0 |6.a.(3)
b. OTHER EQUITY SECURITIES (INCLUDES FEDERAL RESERVE STOCK)......|3642 42,758 |3643 42,758 |3642 42,758 |6.b.
7. TOTAL (SUM OF ITEMS 1 THROUGH 6) (TOTAL OF COLUMN A MUST EQUAL |////////////////|////////////////|////////////////|
SCHEDULE RC, ITEM 2).............................................|0390 2,741,890 |0391 2,756,936 |0390 2,741,890 |7.
|--------------------------------------------------|
- -----------
(1) SEE DISCUSSION IN GLOSSARY ENTRY FOR "MARKET VALUE OF SECURITIES."
(2) INCLUDES OBLIGATIONS (OTHER THAN CERTIFICATES OF PARTICIPATION IN POOLS OF
RESIDENTIAL MORTGAGES, CMOS, AND REMICS) 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.
(3) INCLUDES SMALL BUSINESS ADMINISTRATION "GUARANTEED LOAN POOL
CERTIFICATES," U.S. MARITIME ADMINISTRATION OBLIGATIONS, AND EXPORT-IMPORT
BANK PARTICIPATION CERTIFICATES.
39
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RC-5
HOUSTON, TX 77252 (15)
SCHEDULE RC-B --CONTINUED |----------------|
| CONSOL. BANK |
| BOOK VALUE |
MEMORANDA |----------------|
DOLLAR AMOUNTS IN THOUSANDS |RCFD Bil Mil Tho|
- -------------------------------------------------------------------------------------|----------------|
1. PLEDGED SECURITIES................................................................|0416 1,639,101 | M.1.
2. MATURITY AND REPRICING DATA FOR DEBT SECURITIES: (1),(2) |////////////////|
a. FIXED RATE DEBT SECURITIES WITH A REMAINING MATURITY OF: |////////////////|
(1) THREE MONTHS OR LESS.......................................................|0343 592 | M.2.a.(1)
(2) OVER THREE MONTHS THROUGH 12 MONTHS........................................|0344 108,151 | M.2.a.(2)
(3) OVER ONE YEAR THROUGH FIVE YEARS...........................................|0345 834,182 | M.2.a.(3)
(4) OVER FIVE YEARS............................................................|0346 1,725,729 | M.2.a.(4)
(5) TOTAL FIXED RATE DEBT SECURITIES (SUM OF MEMORANDUM ITEMS 2.a.(1) |////////////////|
THROUGH 2.a.(4)............................................................|0347 2,668,654 | M.2.a.(5)
b. FLOATING RATE DEBT SECURITIES WITH A REPRICING FREQUENCY OF: |////////////////|
(1) QUARTERLY OR MORE FREQUENTLY...............................................|4544 29,121 | M.2.b.(1)
(2) ANNUALLY OR MORE FREQUENTLY, BUT LESS FREQUENTLY THAN |////////////////|
QUARTERLY..................................................................|4545 1,272 | M.2.b.(2)
(3) EVERY FIVE YEARS OR MORE FREQUENTLY, BUT LESS FREQUENTLY |////////////////|
THAN ANNUALLY..............................................................|4551 0 | M.2.b.(3)
(4) LESS FREQUENTLY THAN EVERY FIVE YEARS........................ ..........|4552 0 | M.2.b.(4)
(5) TOTAL FLOATING RATE DEBT SECURITIES (SUM OF MEMORANDUM ITEMS 2.b.(1) |////////////////|
THROUGH 2.b.(4)............................................................|4553 30,393 | M.2.b.(5)
C. TOTAL DEBT SECURITIES (SUM OF MEMORANDUM ITEMS 2.a.(5) AND 2.b.(5)) |////////////////|
(MUST EQUAL THE SUM OF ITEMS 1 THROUGH 5, COLUMN A, ABOVE).....................|0393 2,699,047 | M.2.c.
3. TAXABLE SECURITIES ISSUED BY STATES AND POLITICAL SUBDIVISIONS IN THE U.S. |////////////////|
(INCLUDED IN SCHEDULE RC-B, ITEM 3, COLUMN A, ABOVE)..............................|0301 173 | M.3.
4. 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. DEBT SECURITIES HELD FOR SALE (INCLUDED IN SCHEDULE RC-B, ITEMS 1 |////////////////|
THROUGH 5, COLUMN A, ABOVE).......................................................|5366 1,378,535 | M.5.
6. FLOATING RATE DEBT SECURITIES WITH A REMAINING MATURITY OF ONE YEAR OR LESS |////////////////|
(INCLUDED IN MEMORANDUM ITEM 2.b.(5) ABOVE).......................................|5519 0 | M.6.
|----------------|
- -----------
(1) EXCLUDE EQUITY SECURITIES, E.G., INVESTMENTS IN MUTUAL FUNDS, FEDERAL
RESERVE STOCK, COMMON STOCK, AND PREFERRED STOCK.
(2) MEMORANDUM ITEM 2 IS NOT APPLICABLE TO SAVINGS BANKS THAT MUST COMPLETE
SUPPLEMENTAL SCHEDULE RC-J.
40
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RC-6
HOUSTON, TX 77252 (16)
SCHEDULE RC-C - LOANS AND LEASE FINANCING RECEIVABLES
NET OF UNEARNED INCOME AND BEFORE ADJUSTMENT FOR ALLOWANCE FOR LOAN AND LEASE
LOSSES. EXCLUDE ASSETS HELD IN TRADING ACCOUNTS.
|-----------|
| C415 | <---
|-----------------------------------|
| (Column A) | (Column B) |
| Consolidated | Domestic |
| Bank | Offices |
DOLLAR AMOUNTS IN THOUSANDS |RCFD Bil Mil Tho|RCON Bil Mil Thou|
- ------------------------------------------------------------------------------|-----------------|-----------------|
1. LOANS SECURED BY REAL ESTATE..............................................|1410 2,241,139 |/////////////////| 1.
a. CONSTRUCTION AND LAND DEVELOPMENT......................................|/////////////////|1415 361,879 | 1.a.
b. SECURED BY FARMLAND (INCLUDING FARM RESIDENTIAL AND OTHER IMPROVEMENTS)|/////////////////|1420 23,689 | 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 0 | 1.c.(1)
(2) ALL OTHER LOANS SECURED BY 1-4 FAMILY RESIDENTIAL PROPERTIES: |/////////////////|/////////////////|
(a) SECURED BY FIRST LIENS..........................................|/////////////////|5367 540,847 | 1.c.(2)(a)
(b) SECURED BY JUNIOR LIENS.........................................|/////////////////|5368 168,748 | 1.c.(2)(b)
d. SECURED BY MULTIFAMILY (5 OR MORE) RESIDENTIAL PROPERTIES..............|/////////////////|1460 135,667 | 1.d
e. SECURED BY NONFARM NONRESIDENTIAL PROPERTIES...........................|/////////////////|1480 1,010,309 | 1.e
2. LOANS TO DEPOSITORY INSTITUTIONS: |/////////////////|/////////////////|
a. TO COMMERCIAL BANKS IN THE U.S.........................................|/////////////////|1505 17,677 | 2.a.
(1) TO U.S. BRANCHES AND AGENCIES OF FOREIGN BANKS......................|1506 5,735 |/////////////////| 2.a.(1)
(2) TO OTHER COMMERCIAL BANKS IN THE U.S. ..............................|1507 16,942 |/////////////////| 2.a.(2)
b. TO OTHER DEPOSITORY INSTITUTIONS IN THE U.S. ..........................|1517 701 |1517 701 | 2.b.
c. TO BANKS IN FOREIGN COUNTRIES..........................................|/////////////////|1510 8,220 | 2.c.
(1) TO FOREIGN BRANCHES OF OTHER U.S. BANKS.............................|1513 0 |/////////////////| 2.c.(1)
(2) TO OTHER BANKS IN FOREIGN COUNTRIES.................................|1516 37,291 |/////////////////| 2.c.(2)
3. LOANS TO FINANCE AGRICULTURAL PRODUCTION AND OTHER LOANS TO FARMERS.......|1590 86,115 |1590 86,115 | 3.
4. COMMERCIAL AND INDUSTRIAL LOANS: |/////////////////|/////////////////|
a. TO U.S. ADDRESSEES (DOMICILE)..........................................|1763 3,994,840 |1763 3,923,130 | 4.a
b. TO NON-U.S. ADDRESSEES (DOMICILE)......................................|1764 117,759 |1764 29,937 | 4.b
5. ACCEPTANCES OF OTHER BANKS: |/////////////////|/////////////////|
a. OF U.S. BANKS...........................................................|1756 0 |1756 0 | 5.a.
b. OF FOREIGN BANKS........................................................|1757 0 |1757 0 | 5.b.
6. LOANS TO INDIVIDUALS FOR HOUSEHOLD, FAMILY, AND OTHER PERSONAL |/////////////////|/////////////////|
EXPENDITURES (I.E., CONSUMER LOANS) (INCLUDES PURCHASED PAPER)............|/////////////////|1975 1,324,947 | 6.
a. CREDIT CARDS AND RELATED PLANS (INCLUDES CHECK CREDIT AND OTHER |/////////////////|/////////////////|
REVOLVING CREDIT PLANS)................................................|2008 88,144 |/////////////////| 6.a.
b. OTHER (INCLUDES SINGLE PAYMENTS, INSTALLMENT, AND ALL STUDENT LOANS)...|2011 1,236,953 |/////////////////| 6.b.
7. LOANS TO FOREIGN GOVERNMENTS AND OFFICIAL INSTITUTIONS (INCLUDING |/////////////////|/////////////////|
FOREIGN CENTRAL BANKS)....................................................|2081 251,491 |2081 245,104 | 7.
8. OBLIGATIONS (OTHER THAN SECURITIES AND LEASES) OF STATES AND POLITICAL |/////////////////|/////////////////|
SUBDIVISIONS IN THE U.S. (INCLUDES NONRATED INDUSTRIAL DEVELOPMENT |/////////////////|/////////////////|
OBLIGATIONS): |/////////////////|/////////////////|
a. TAXABLE OBLIGATIONS....................................................|2033 0 |2033 0 | 8.a
b. TAX-EXEMPT OBLIGATIONS.................................................|2079 80,763 |2079 80,763 | 8.b
9. OTHER LOANS...............................................................|1563 1,879,958 |/////////////////| 9.
a. LOANS FOR PURCHASING OR CARRYING SECURITIES (SECURED AND UNSECURED)....|/////////////////|1545 264,474 | 9.a
b. ALL OTHER LOANS (EXCLUDE CONSUMER LOANS)...............................|/////////////////|1564 1,615,484 | 9.b
10. LEASE FINANCING RECEIVABLES (NET OF UNEARNED INCOME)......................|/////////////////|2165 213,928 | 10.
a. OF U.S. ADDRESSEES (DOMICILE)..........................................|2182 166,392 |/////////////////| 10.a.
b. OF NON-U.S. ADDRESSEES (DOMICILE)......................................|2183 47,536 |/////////////////| 10.b.
11. LESS: ANY UNEARNED INCOME ON LOANS REFLECTED IN ITEMS 1-9 ABOVE...........|2123 72,473 |2123 72,473 | 11.
12. TOTAL LOANS AND LEASES, NET OF UNEARNED INCOME (SUM OF ITEMS 1 THROUGH 10 |/////////////////|/////////////////|
MINUS ITEM 11)(TOTAL OF COLUMN A MUST EQUAL SCHEDULE RC,ITEM 4.a.)........|2122 10,179,286 |2122 9,979,146 | 12.
|-----------------------------------|
41
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RC-7
HOUSTON, TX 77252 (17)
|-----------------------------------|
SCHEDULE RC-C - CONTINUED | (Column A) | (Column B) |
| Consolidated | Domestic |
MEMORANDA | Bank | Offices |
DOLLAR AMOUNTS IN THOUSANDS |RCFD Bil Mil Thou|RCON Bil Mil Thou|
- --------------------------------------------------------------------------------|-----------------|-----------------|
1. COMMERCIAL PAPER INCLUDED IN SCHEDULE RC-C ABOVE.............................|1496 0 |1496 0 | M.1.
2. LOANS AND LEASES RESTRUCTURED AND IN COMPLIANCE WITH MODIFIED TERMS |/////////////////|-----------------|
(INCLUDED IN SCHEDULE RC-C ABOVE): |/////////////////|
a. LOANS SECURED BY REAL ESTATE: |/////////////////|
(1) TO U.S. ADDRESSEES (DOMICILE).........................................|1687 3 | M.2.a.(1)
(2) TO NON-U.S. ADDRESSEES (DOMICILE).....................................|1689 0 | M.2.a.(2)
b. LOANS TO FINANCE AGRICULTURAL PRODUCTION AND OTHER LOANS TO FARMERS.......|1613 0 | M.2.b.
c. COMMERCIAL AND INDUSTRIAL LOANS: |/////////////////|
(1) TO U.S. ADDRESSEES (DOMICILE).........................................|1758 0 | M.2.c.(1)
(2) TO NON-U.S. ADDRESSEES (DOMICILE).....................................|1759 0 | M.2.c.(2)
d. ALL OTHER LOANS (EXCLUDE LOANS TO INDIVIDUALS FOR HOUSEHOLD, FAMILY, |/////////////////|
AND OTHER PERSONAL EXPENDITURES)..........................................|1615 244,039 | M.2.d.
e. LEASE FINANCING RECEIVABLES: |/////////////////|
(1) OF U.S. ADDRESSEES (DOMICILE).........................................|1789 0 | M.2.e.(1)
(2) OF NON-U.S. ADDRESSEES (DOMICILE).....................................|1790 0 | M.2.e.(2)
f. TOTAL (SUM OF MEMORANDUM ITEMS 2.a. THROUGH 2.e.).........................|1616 244,042 | M.2.f.
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 266,757 | M.3.a.(1)
(2) OVER THREE MONTHS THROUGH 12 MONTHS...................................|0349 439,730 | M.3.a.(2)
(3) OVER ONE YEAR THROUGH FIVE YEARS......................................|0356 1,581,385 | M.3.a.(3)
(4) OVER FIVE YEARS.......................................................|0357 1,050,236 | M.3.a.(4)
(5) TOTAL FIXED RATE LOANS AND LEASES (SUM OF MEMORANDUM ITEMS 3.a.(1) |/////////////////|
THROUGH 3.a.(4).......................................................|0358 3,338,108 | M.3.a.(5)
b. FLOATING RATE LOANS WITH A REPRICING FREQUENCY OF: |/////////////////|
(1) QUARTERLY OR MORE FREQUENTLY..........................................|4554 4,167,139 | M.3.b.(1)
(2) ANNUALLY OR MORE FREQUENTLY, BUT LESS FREQUENTLY THAN |/////////////////|
QUARTERLY.............................................................|4555 1,799,836 | M.3.b.(2)
(3) EVERY FIVE YEARS OR MORE FREQUENTLY, BUT LESS FREQUENTLY |/////////////////|
THAN ANNUALLY.........................................................|4561 665,530 | M.3.b.(3)
(4) LESS FREQUENTLY THAN EVERY FIVE YEARS.................................|4564 107,596 | M.3.b.(4)
(5) TOTAL FLOATING RATE LOANS (SUM OF MEMORANDUM ITEMS |/////////////////|
3.b.(1) THROUGH 3.b.(4)...............................................|4567 6,740,101 | 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, ITEM |/////////////////|
12, PLUS UNEARNED INCOME FROM SCHEDULE RC-C, ITEM 11, MINUS TOTAL NONACCRU|/////////////////|
LOANS AND LEASES FROM SCHEDULE RC-N, SUM OF ITEMS 1 AND 8, COLUMN C)......|1479 10,078,209 | M.3.c.
4. LOANS TO FINANCE COMMERCIAL REAL ESTATE, CONSTRUCTION, AND LAND DEVELOPMENT |/////////////////|
ACTIVITIES (NOT SECURED BY REAL ESTATE) INCLUDED IN SCHEDULE RC-C, |/////////////////|
ITEMS 4 AND 9, COLUMN A, PAGE RC-6 (2) ......................................|2746 210,605 | M.4.
5. LOANS AND LEASES HELD FOR SALE (INCLUDED IN SCHEDULE RC-C ABOVE).............|5369 262,969 | M.5.
6. ADJUSTABLE RATE CLOSED-END LOANS SECURED BY FIRST LIENS ON 1-4 FAMILY |/////////////////|
RESIDENTIAL PROPERTIES (INCLUDED IN SCHEDULE RC-C, ITEM 1.c.(2)(a), |/////////////////|-----------------|
COLUMN B, ABOVE..............................................................|/////////////////|5370 22,175 | M.6.
|-----------------|-----------------|
- --------------
MEMORANDUM ITEM 3 IS NOT APPLICABLE TO SAVINGS BANKS THAT MUST COMPLETE
SUPPLEMENTAL SCHEDULE RC-J.
42
CERT: 03263 00373 STBK 48-3926 FFIEC 031
TEXAS COMMERCE BANK NATIONAL ASSOCIATION PAGE RC-7a
P.O. BOX 2558 (17a)
HOUSTON, TX 77252
SCHEDULE RC-C----CONTINUED
PART II. LOANS TO SMALL BUSINESSES AND SMALL FARMS
SCHEDULE RC-C, PART II IS TO BE REPORTED ONLY WITH THE JUNE REPORT OF
CONDITION.
REPORT THE NUMBER AND AMOUNT CURRENTLY OUTSTANDING AS OF JUNE 30 OF BUSINESS
LOANS WITH "ORIGINAL AMOUNTS" OF $1,000,000 OR LESS AND FARM LOANS WITH
"ORIGINAL AMOUNTS" OF $500,000 OR LESS. THE FOLLOWING GUIDELINES SHOULD BE
USED TO DETERMINE THE "ORIGINAL AMOUNT" OF A LOAN: (1) FOR LOANS DRAWN DOWN
UNDER LINES OF CREDIT OR LOAN COMMITMENTS, THE "ORIGINAL AMOUNT" OF THE LOAN IS
THE SIZE OF THE LINE OF CREDIT OR LOAN COMMITMENT WHEN THE LINE OF CREDIT OR
LOAN COMMITMENT WAS GRANTED. (2) FOR LOAN PARTICIPATIONS AND SYNDICATIONS, THE
"ORIGINAL AMOUNT" OF THE LOAN PARTICIPATION OR SYNDICATION IS THE ENTIRE AMOUNT
OF THE CREDIT ORIGINATED BY THE LEAD LENDER. (3) FOR ALL OTHER LOANS, THE
"ORIGINAL AMOUNT" IS THE TOTAL AMOUNT OF THE LOAN AT ORIGINATION.
LOANS TO SMALL BUSINESS
|------------|
1. INDICATE IN THE APPROPRIATE BOX AT THE RIGHT WHETHER ALL OR SUBSTANTIALLY ALL OF THE BANK'S | C418 | <---
"LOANS SECURED BY NONFARM NONRESIDENTIAL PROPERTIES" REPORTED IN SCHEDULE RC-C, PART I, |----|------------|
ITEM 1.e, AND COMMERCIAL AND INDUSTRIAL LOANS TO U.S. ADDRESSEES" REPORTED IN |RCON| YES | NO |
SCHEDULE RC-C, PART I, ITEM 4.a, HAVE ORIGINAL AMOUNTS OF $100,000 OR LESS ...................|-----------------|
|6999 0 | 1.
|-----------------|
IF YES, COMPLETE ITEMS 2.a AND 2.b. BELOW, SKIP ITEM 3 AND 4, AND GO TO ITEM 5.
IF NO, SKIP ITEMS 2.a AND 2.b, COMPLETE ITEMS 3 AND 4 BELOW, AND GO TO ITEM 5.
|-----------------|
2. REPORT THE TOTAL NUMBER OF LOANS CURRENTLY OUTSTANDING FOR EACH OF THE | NUMBER OF LOANS |
FOLLOWING SCHEDULE RC-C, PART I, LOAN CATEGORIES: |-----------------|
a. "LOANS SECURED BY NONFARM NONRESIDENTIAL PROPERTIES" REPORTED IN |/////////////////|
SCHEDULE RC-C, PART I, ITEM 1.e ........................................|/////////////////|
|5562 |2.a.
b. "COMMERCIAL AND INDUSTRIAL LOANS TO U.S. ADDRESSEES" REPORTED IN |/////////////////|
SCHEDULE RC-C, PART I, ITEM 4.a ........................................|5563 0 |2.b.
|-----------------|
|-----------------|-----------------|
| (Column A) | (Column B) |
| | AMOUNT |
| | CURRENTLY |
| | OUTSTANDING |
DOLLAR AMOUNTS IN THOUSANDS | NUMBER OF LOANS |RCONBil Mil Thou |
- --------------------------------------------------------------------------------|-----------------|-----------------|
3. NUMBER AND AMOUNT CURRENTLY OUTSTANDING OF "LOANS SECURED BY NONFARM |/////////////////|/////////////////|
NONRESIDENTIAL PROPERTIES" REPORTED IN SCHEDULE RC-C, PART I, ITEM 1.e |/////////////////|/////////////////|
(SUM OF ITEMS 3.a THROUGH 3.c MUST BE LESS THAN OR EQUAL TO |/////////////////|/////////////////|
SCHEDULE RC-C, PART I, ITEM 1.e): |/////////////////|/////////////////|
a. WITH ORIGINAL AMOUNTS OF $100,000 OR LESS ..............................|5564 0 |5565 0 | 3.a.
b. WITH ORIGINAL AMOUNTS OF MORE THAN $100,000 THROUGH $250,000 ...........|5566 0 |5567 0 | 3.b.
c. WITH ORIGINAL AMOUNTS OF MORE THAN $250,000 THROUGH $1,000,000 .........|5568 0 |5569 0 | 3.c.
4. NUMBER AND AMOUNT CURRENTLY OUTSTANDING OF "COMMERCIAL AND INDUSTRIAL |/////////////////|/////////////////|
LOANS TO U.S. ADDRESSEES" REPORTED IN SCHEDULE RC-C, PART I, ITEM 4.a |/////////////////|/////////////////|
(SUM OF ITEMS 4.a THROUGH 4.c MUST BE LESS THAN OR EQUAL TO |/////////////////|/////////////////|
SCHEDULE RC-C, PART I, ITEM 4.a): |/////////////////|/////////////////|
a. WITH ORIGINAL AMOUNTS OF $100,000 OR LESS ..............................|5570 0 |5571 0 | 4.a.
b. WITH ORIGINAL AMOUNTS OF MORE THAN $100,000 THROUGH $250,000 ...........|5572 0 |5573 0 | 4.b.
c. WITH ORIGINAL AMOUNTS OF MORE THAN $250,000 THROUGH $1,000,000 .........|5574 0 |5575 0 | 4.c.
|--------------- |---------------- |
43
CERT: 03263 00373 STBK 48-3926 FFIEC 031
TEXAS COMMERCE BANK NATIONAL ASSOCIATION PAGE RC-7b
P.O. BOX 2558 (17b)
HOUSTON, TX 77252
SCHEDULE RC-C----CONTINUED
PART II. CONTINUED
AGRICULTURAL LOANS TO SMALL FARMS
5. INDICATE IN THE APPROPRIATE BOX AT THE RIGHT WHETHER ALL OR SUBSTANTIALLY ALL OF THE BANK'S
"LOANS SECURED BY FARMLAND (INCLUDING FARM RESIDENTIAL AND OTHER IMPROVEMENTS)" REPORTED IN |----|------------|
SCHEDULE RC-C, PART I, ITEM 1.b, AND "LOANS TO FINANCE AGRICULTURAL PRODUCTION AND OTHER |RCON| YES | NO |
LOANS TO FARMERS" REPORTED IN SCHEDULE RC-C, PART I, ITEM 3, HAVE ORIGINAL AMOUNTS OF |-----------------|
$100,000 OR LESS .............................................................................|6860 0 | 5.
|-----------------|
IF YES, COMPLETE ITEMS 6.a AND 6.b BELOW AND DO NOT COMPLETE ITEMS 7 AND 8.
IF NO, SKIP ITEMS 6.a AND 6.b AND COMPLETE ITEMS 7 AND 8, BELOW.
|-----------------|
| NUMBER OF LOANS |
6. REPORT THE TOTAL NUMBER OF LOANS CURRENTLY OUTSTANDING FOR EACH OF THE |-----------------|
FOLLOWING SCHEDULE RC-C, PART I, LOAN CATEGORIES: |/////////////////|
a. "LOANS SECURED BY FARMLAND (INCLUDING FARM RESIDENTIAL AND OTHER |/////////////////|
IMPROVEMENTS)" REPORTED IN SCHEDULE RC-C, PART I, ITEM 1.b .............|5576 0 |6.a.
b. "LOANS TO FINANCE AGRICULTURAL PRODUCTION AND OTHER LOANS TO FARMERS" |/////////////////|
REPORTED IN SCHEDULE RC-C, PART I, ITEM 3 ..............................|5577 0 |6.b.
|-----------------|
|-----------------|-----------------|
| (Column A) | (Column B) |
| | AMOUNT |
| | CURRENTLY |
| | OUTSTANDING |
DOLLAR AMOUNTS IN THOUSANDS | NUMBER OF LOANS |RCONBil Mil Thou |
- --------------------------------------------------------------------------------|-----------------|-----------------|
7. NUMBER AND AMOUNT CURRENTLY OUTSTANDING OF "LOANS SECURED BY FARMLAND |/////////////////|/////////////////|
(INCLUDING FARM RESIDENTIAL AND OTHER IMPROVEMENTS)" REPORTED IN SCHEDULE |/////////////////|/////////////////|
RC-C, PART I, ITEM 1.b (SUM OF ITEMS 7.a THROUGH 7.c MUST BE LESS THAN OR |/////////////////|/////////////////|
EQUAL TO SCHEDULE RC-C, PART I, ITEM 1.b): |/////////////////|/////////////////|
a. WITH ORIGINAL AMOUNTS OF $100,000 OR LESS ..............................|5578 0 |5579 0 | 7.a.
b. WITH ORIGINAL AMOUNTS OF MORE THAN $100,000 THROUGH $250,000 ...........|5580 0 |5581 0 | 7.b.
c. WITH ORIGINAL AMOUNTS OF MORE THAN $250,000 THROUGH $500,000 ......... |5582 0 |5583 0 | 7.c.
8. NUMBER AND AMOUNT CURRENTLY OUTSTANDING OF "LOANS TO FINANCE AGRICULTURAL |/////////////////|/////////////////|
PRODUCTION AND OTHER LOANS TO FARMERS" REPORTED IN SCHEDULE RC-C, PART I, |/////////////////|/////////////////|
ITEM 3 (SUM OF ITEMS 8.a THROUGH 8.c MUST BE LESS THAN OR EQUAL TO |/////////////////|/////////////////|
SCHEDULE RC-C, PART I, ITEM 3.): |/////////////////|/////////////////|
a. WITH ORIGINAL AMOUNTS OF $100,000 OR LESS ..............................|5584 0 |5585 0 | 8.a.
b. WITH ORIGINAL AMOUNTS OF MORE THAN $100,000 THROUGH $250,000 ...........|5586 0 |5587 0 | 8.b.
c. WITH ORIGINAL AMOUNTS OF MORE THAN $250,000 THROUGH $500,000 ......... |5588 0 |5589 0 | 8.c.
|-----------------|-----------------|
44
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RC-8
HOUSTON, TX 77252 (18)
FDIC CERTIFICATE NUMBER 03263
SCHEDULE RC-D IS TO BE COMPLETED ONLY BY BANKS WITH $1 BILLION OR MORE IN TOTAL
ASSETS.
|------------|
SCHEDULE RC-D - ASSETS HELD IN TRADING ACCOUNTS IN | C420 | <---
DOMESTIC OFFICES ONLY |-----------------|
|DOMESTIC OFFICES |
|-----------------|
DOLLAR AMOUNTS IN THOUSANDS |RCON Bil Mil Thou|
- --------------------------------------------------------------------------------------------------|-----------------|
1. U.S. TREASURY SECURITIES.......................................................................|1010 2,012 | 1.
2. U.S. GOVERNMENT AGENCY AND CORPORATION OBLIGATIONS.............................................|1020 0 | 2.
3. SECURITIES ISSUED BY STATES AND POLITICAL SUBDIVISIONS IN THE U.S. ............................|1025 13,569 | 3.
4. OTHER BONDS, NOTES AND DEBENTURES..............................................................|1045 0 | 4.
5. CERTIFICATES OF DEPOSITS.......................................................................|1026 40 | 5.
6. COMMERCIAL PAPER...............................................................................|1027 0 | 6.
7. BANKER'S ACCEPTANCES...........................................................................|1028 0 | 7.
8. OTHER..........................................................................................|1029 0 | 8.
9. TOTAL (SUM OF ITEMS 1 THROUGH 8) ..............................................................|2146 15,621 | 9.
|-----------------|
45
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RC-9
HOUSTON, TX 77252 (19)
|-----------|
| C425 | <----
SCHEDULE RC-E DEPOSIT LIABILITIES |-----------------------------------------------------|
| TRANSACTION ACCOUNTS | NONTRANSACTION |
PART 1. DEPOSITS IN DOMESTIC OFFICES | | ACCOUNTS |
|-----------------------------------------------------|
| (Column A) | (Column B) | (Column C) |
|Total transaction| Memo: Total | Total nontrans- |
|accounts (includ-|demand deposits | action accounts |
|ing total demand | (included in |(including MMDAs)|
DOLLAR AMOUNTS IN THOUSANDS| deposits) | Column A) | |
- -------------------------------------------------------|RCON Bil Mil Thou|RCON Bil Mil Thou|RCON Bil Mil Thou|
DEPOSITS OF: |-----------------|-----------------|-----------------|
1. INDIVIDUALS, PARTNERSHIPS AND CORPORATIONS .........|2201 7,482,724 |2240 5,496,369 |2346 8,484,221 | 1.
2. U.S. GOVERNMENT.....................................|2202 69,668 |2280 69,668 |2520 309 | 2.
3. STATES & POLITICAL SUBDIVISIONS IN THE U.S..........|2203 242,436 |2290 36,592 |2530 74,221 | 3.
4. COMMERCIAL BANKS IN THE U.S. .......................|2206 316,190 |2310 316,190 |/////////////////| 4.
a. U.S. BRANCHES AND AGENCIES OF FOREIGN BANKS......|/////////////////|/////////////////|2347 0 | 4.a.
b. OTHER COMMERCIAL BANKS IN THE U.S. ..............|/////////////////|/////////////////|2348 0 | 4.b.
5. OTHER DEPOSITORY INSTITUTIONS IN THE U.S............|2207 33,064 |2312 33,064 |2349 0 | 5.
6. BANKS IN FOREIGN COUNTRIES .........................|2213 30,536 |2320 30,536 |/////////////////| 6.
a. FOREIGN BRANCHES OF OTHER U.S. BANKS ............|/////////////////|/////////////////|2367 0 | 6.a.
b. OTHER BANKS IN FOREIGN COUNTRIES.................|/////////////////|/////////////////|2373 0 | 6.b.
7. FOREIGN GOVERNMENTS AND OFFICIAL INSTITUTIONS |/////////////////|/////////////////|/////////////////|
(INCLUDING FOREIGN CENTRAL BANKS)...................|2216 1,001 |2300 1,001 |2377 0 | 7.
8. CERTIFIED AND OFFICIAL CHECKS.......................|2330 128,735 |2330 128,735 |/////////////////| 8.
9. TOTAL (SUM OF ITEMS 1 THROUGH 8) (SUM OF COLUMNS A |/////////////////|/////////////////|/////////////////|
AND C MUST EQUAL SCHEDULE RC, ITEM 13.a.)...........|2215 8,304,354 |2210 6,112,155 |2385 8,558,751 | 9.
|-----------------|-----------------|-----------------|
|-----------------|
DOLLAR AMOUNTS IN THOUSANDS|RCON Bil Mil Thou|
- -------------------------------------------------------------------------------------------|-----------------|
MEMORANDA |/////////////////|
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 881,687 | M.1.a
b. TOTAL BROKERED DEPOSITS..............................................................|2365 0 | M.1.b
c. FULLY INSURED BROKERED DEPOSITS (I.E. TOTAL BROKERED RETAIL DEPOSITS) (INCLUDED IN |/////////////////|
MEMORANDUM ITEM 1.B ABOVE) |/////////////////|
(1) ISSUED IN DENOMINATIONS OF LESS THAN $100,000 ....................................|2343 0 | M.1.c.(1)
(2) ISSUED EITHER IN DENOMINATIONS OF $100,000 OR IN DENOMINATIONS GREATER THAN |/////////////////|
$100,000 AND PARTICIPATED OUT BY THE BROKER IN SHARES OF $100,000 OR LESS.........|2344 0 | M.1.c.(2)
d. TOTAL DEPOSITS DENOMINATED IN FOREIGN CURRENCIES.....................................|3776 760 | M.1.d.
e. PREFERRED DEPOSITS(DEPOSITS OF STATES AND POLITICAL SUBDIVISIONS IN THE U.S. |/////////////////|
REPORTED IN ITEM 3 ABOVE WHICH ARE SECURED OR COLLATERALIZED)........................|5590 295,078 | M.1.e.
2. COMPONENTS OF TOTAL NONTRANSACTION ACCOUNTS (SUM OF MEMORANDA ITEMS 2.A THROUGH 2.D |/////////////////|
MUST EQUAL ITEM 9, COLUMN C ABOVE): |/////////////////|
a. SAVINGS DEPOSITS: |/////////////////|
(1) MONEY MARKET DEPOSIT ACCOUNTS (MMDAs)............................................|6810 1,869,006 | M.2.a.(1)
(2) OTHER SAVINGS DEPOSITS (EXCLUDES MMDAs)..........................................|0352 2,976,087 | M.2.a.(2)
b. TOTAL TIME DEPOSITS LESS THAN $100,000 ..............................................|6648 2,744,631 | M.2.b
c. TIME CERTIFICATES OF DEPOSIT OF $100,000 OR MORE.....................................|6645 938,101 | M.2.c
d. OPEN-ACCOUNT TIME DEPOSITS OF $100,000 OR MORE.......................................|6646 30,926 | M.2.d
3. ALL NOW ACCOUNTS (INCLUDED IN COLUMN A ABOVE)...........................................|2398 2,192,199 | M.3.
|-----------------|
DEPOSIT TOTALS FOR FDIC INSURANCE ASSESSMENTS (1) |-----------------|
4. TOTAL DEPOSITS IN DOMESTIC OFFICES (SUM OF ITEM 9, COLUMN A AND ITEM 9, COLUMN C) |/////////////////|
(MUST EQUAL SCHEDULE RC, ITEM 13.A) ....................................................|2200 16,863,105 | M.4.
a. TOTAL DEMAND DEPOSITS (MUST EQUAL ITEM 9, COLUMN B)..................................|2210 6,112,155 | M.4.a.
b. TOTAL TIME AND SAVINGS DEPOSITS (2) (MUST EQUAL ITEM 9, COLUMN A PLUS COLUMN C |/////////////////|
MINUS COLUMN B) .....................................................................|2350 10,750,950 | M.4.b.
|-----------------|
- ---------
(1) AN AMENDED CERTIFIED STATEMENT SHOULD BE SUBMITTED TO THE FDIC IF THE
DEPOSIT TOTALS REPORTED IN THIS ITEM ARE AMENDED AFTER THE SEMI-ANNUAL
CERTIFIED STATEMENT ORIGINALLY COVERING THIS REPORT DATE HAS BEEN FILED
WITH THE FDIC.
(2) FOR FDIC INSURANCE ASSESSMENT PURPOSES, "TOTAL TIME AND SAVINGS DEPOSITS"
CONSISTS OF NONTRANSACTION ACCOUNTS AND ALL TRANSACTION ACCOUNTS OTHER
THAN DEMAND DEPOSITS.
46
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RC-10
HOUSTON, TX 77252 (20)
SCHEDULE RC-E - CONTINUED
PART 1. - CONTINUED
MEMORANDA (CONTINUED) |------------------|
DOLLAR AMOUNTS IN THOUSANDS |RCON Bil Mil Thou |
- -------------------------------------------------------------------------------------|------------------|
5. TIME DEPOSITS OF LESS THAN $100,000 AND OPEN-ACCOUNT TIME DEPOSITS OF $100,000 |//////////////////|
OR MORE (INCLUDED IN MEMORANDUM ITEMS 2.b. AND 2.d. ABOVE) WITH A REMAINING |//////////////////|
MATURITY OR REPRICING FREQUENCY OF (1): |//////////////////|
a. THREE MONTHS OR LESS...........................................................|0359 1,222,996 | M.5.a.
b. OVER THREE MONTHS THROUGH 12 MONTHS (BUT NOT OVER 12 MONTHS)...................|3644 932,676 | M.5.b.
6. MATURITY AND REPRICING DATA FOR TIME CERTIFICATES OF DEPOSITS OF |//////////////////|
$100,000 OR MORE (1): |//////////////////|
a. FIXED RATE TIME CERTIFICATES OF DEPOSIT OF $100,000 OR MORE WITH A REMAINING |//////////////////|
MATURITY OF: |//////////////////|
(1) THREE MONTHS OR LESS.......................................................|2761 658,351 | M.6.a.(1)
(2) OVER THREE MONTHS THROUGH 12 MONTHS........................................|2762 212,263 | M.6.a.(2)
(3) OVER ONE YEAR THROUGH FIVE YEARS...........................................|2763 55,053 | M.6.a.(3)
(4) OVER FIVE YEARS............................................................|2765 0 | M.6.a.(4)
(5) TOTAL FIXED RATE TIME CERTIFICATES OF DEPOSIT OF $100,000 OR MORE (SUM |//////////////////|
OF MEMORANDUM ITEMS 6.a.(1) THROUGH 6.a.(4)................................|2767 925,667 | M.6.a.(5)
b. FLOATING RATE TIME CERTIFICATES OF DEPOSIT OF $100,000 OR MORE WITH A |//////////////////|
REPRICING FREQUENCY OF: |//////////////////|
(1) QUARTERLY OR MORE FREQUENTLY...............................................|4568 12,434 | M.6.b.(1)
(2) ANNUALLY OR MORE FREQUENTLY, BUT LESS FREQUENTLY THAN |//////////////////|
QUARTERLY..................................................................|4569 0 | M.6.b.(2)
(3) EVERY FIVE YEARS OR MORE FREQUENTLY, BUT LESS FREQUENTLY |//////////////////|
THAN ANNUALLY..............................................................|4571 0 | M.6.b.(3)
(4) LESS FREQUENTLY THAN EVERY FIVE YEARS......................................|4572 0 | M.6.b.(4)
(5) TOTAL FLOATING RATE TIME CERTIFICATES OF DEPOSITS OF $100,000 |//////////////////|
OR MORE (SUM OF MEMORANDUM ITEMS 6.b.(1) THROUGH 6.b.(4)...................|4573 12,434 | M.6.b.(5)
c. TOTAL TIME CERTIFICATES OF DEPOSIT OF $100,000 OR MORE (SUM OF MEMORANDUM |//////////////////|
ITEMS 6.a.(5) AND 6.b.(5)) (MUST EQUAL MEMORANDUM ITEM 2.c. ABOVE).............|6645 938,101 | M.6.c.
|------------------|
- ---------
(1) MEMORANDUM ITEMS 5 AND 6 ARE NOT APPLICABLE TO SAVINGS BANKS THAT MUST
COMPLETE SUPPLEMENTAL SCHEDULE RC-J.
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 413,178 | 1.
2. U.S. BANKS (INCLUDING IBFs AND FOREIGN BRANCHES OF U.S. BANKS)....................|2623 0 | 2.
3. FOREIGN BANKS (INCLUDING U.S. BRANCHES AND |//////////////////|
AGENCIES OF FOREIGN BANKS, INCLUDING THEIR IBFs)..................................|2625 0 | 3.
4. FOREIGN GOVERNMENTS AND OFFICIAL INSTITUTIONS (INCLUDING FOREIGN CENTRAL BANKS)...|2650 0 | 4.
5. CERTIFIED AND OFFICIAL CHECKS.....................................................|2330 0 | 5.
6. ALL OTHER DEPOSITS................................................................|2668 0 | 6.
7. TOTAL (SUM OF ITEMS 1 THORUGH 6) (MUST EQUAL SCHEDULE RC, ITEM 13.b.).............|2200 413,178 | 7.
|------------------|
47
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RC-11
HOUSTON, TX 77252 (21)
SCHEDULE RC-F - OTHER ASSETS |-----------|
| C430 | <---
DOLLAR AMOUNTS IN THOUSANDS |-----------------|
- ----------------------------------------------------------------------------------------|RCFD Bil Mil Thou|
|-----------------|
1. INCOME EARNED, NOT COLLECTED ON LOANS................................................|2164 52,917 | 1.
2. NET DEFERRED TAX ASSETS (1) .........................................................|2148 25,512 | 2.
3. EXCESS RESIDENTIAL MORTGAGE SERVICING FEES RECEIVABLE................................|5371 0 | 3.
4. OTHER (ITEMIZE AMOUNTS THAT EXCEED 25% OF THIS ITEM) ................................|2168 262,629 | 4.
|----| |----------------|/////////////////|
a. |3549| 0 |3549| 0 |/////////////////| 4.a.
b. |3550| 0 |3550| 0 |/////////////////| 4.b.
c. |3551| 0 |3551| 0 |/////////////////| 4.c.
|----| |----------------|/////////////////|
5. TOTAL (SUM OF ITEMS 1 THROUGH 4) (MUST EQUAL SCHEDULE RC, ITEM 11)...................|2160 341,058 | 5.
|-----------------|
MEMORANDUM
DOLLAR AMOUNTS IN THOUSANDS |-----------------|
- ----------------------------------------------------------------------------------------|RCFD Bil Mil Thou|
1. DEFERRED TAX ASSETS DISALLOWED FOR REGULATORY CAPITAL PURPOSES.......................|5610 0 | M.1.
|-----------------|
|-----------|
SCHEDULE RC-G - OTHER LIABILITIES | C435 | <---
|-----------------|
DOLLAR AMOUNTS IN THOUSANDS |RCFD Bil Mil Thou|
- ----------------------------------------------------------------------------------------|-----------------|
1. a. INTEREST ACCRUED AND UNPAID ON DEPOSITS IN DOMESTIC OFFICES(2)....................|3645 22,295 | 1.a.
b. OTHER EXPENSES ACCRUED AND UNPAID (INCLUDES ACCRUED INCOME TAXES PAYABLE).........|3646 168,377 | 1.b.
2. NET DEFERRED TAX LIABILITIES (1) ....................................................|3049 0 | 2.
3. MINORITY INTEREST IN CONSOLIDATED SUBSIDIARIES.......................................|3000 0 | 3.
4. OTHER (ITEMIZE AMOUNTS THAT EXCEED 25% OF THIS ITEM).................................|2938 35,703 | 4.
|----| |----------------|/////////////////|
a. |3552|Trading Security Purchase Fails |3552| 8,990 |/////////////////| 4.a.
b. |3553| 0 |3553| 0 |/////////////////| 4.b.
c. |3554| 0 |3554| 0 |/////////////////| 4.c.
|----| |----------------|/////////////////|
5. TOTAL (SUM OF ITEMS 1 THROUGH 4) (MUST EQUAL SCHEDULE RC, ITEM 20)...................|2930 226,375 | 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.
48
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RC-12
HOUSTON, TX 77252 (22)
FDIC CERTIFICATE NUMBER: 03263
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 11,269 | 1.
2. BANK'S LIABILITY ON ACCEPTANCES EXECUTED AND OUTSTANDING.........................................|2920 11,269 | 2.
3. FEDERAL FUNDS SOLD AND SECURITIES PURCHASED UNDER AGREEMENTS TO RESELL...........................|1350 5,153,873 | 3.
4. FEDERAL FUNDS PURCHASED AND SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE.......................|2800 925,700 | 4.
5. OTHER BORROWED MONEY.............................................................................|2850 102,874 | 5.
EITHER |//////////////////|
6. NET DUE FROM OWN FOREIGN OFFICES, EDGE AND AGREEMENT SUBSIDIARIES, AND IBFs......................|2163 0 | 6.
OR |//////////////////|
7. NET DUE TO OWN FOREIGN OFFICES, EDGE AND AGREEMENT SUBSIDIARIES, AND IBFs........................|2941 211,903 | 7.
8. TOTAL ASSETS (EXCLUDES NET DUE FROM FOREIGN OFFICES, EDGE AND AGREEMENT SUBSIDIARIES, AND IBFs)..|2192 21,185,537 | 8.
9. TOTAL LIABILITIES (EXCLUDES NET DUE TO FOREIGN OFFICES, EDGE AND AGREEMENT SUBSIDIARIES, |//////////////////|
AND IBFs)........................................................................................|3129 19,278,851 | 9.
|------------------|
MEMORANDUM (TO BE COMPLETED ONLY BY BANKS WITH IBFs AND OTHER "FOREIGN" OFFICES)
EITHER |------------------|
1. NET DUE FROM THE IBF OF THE DOMESTIC OFFICES OF THE REPORTING BANK...............................|3051 0 | M.1.
OR |//////////////////|
2. NET DUE TO THE IBF OF THE DOMESTIC OFFICES OF THE REPORTING BANK.................................|3059 0 | M.2.
|------------------|
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 0 | 1.
2. TOTAL IBF LOANS AND LEASE FINANCING RECEIVABLES (COMPONENT OF SCHEDULE RC-C, ITEM 12, |//////////////////|
COLUMN A)........................................................................................|2076 0 | 2.
3. IBF COMMERCIAL AND INDUSTRIAL LOANS (COMPONENT OF SCHEDULE RC-C, ITEM 4, COLUMN A)...............|2077 0 | 3.
4. TOTAL IBF LIABILITIES (COMPONENT OF SCHEDULE RC, ITEM 21)........................................|2898 0 | 4.
5. IBF DEPOSIT LIABILITIES DUE TO BANKS, INCLUDING OTHER IBFs (COMPONENT OF SCHEDULE RC-E, |//////////////////|
PART II, ITEMS 2 AND 3)..........................................................................|2379 0 | 5.
6. OTHER IBF DEPOSIT LIABILITIES (COMPONENT OF SCHEDULE RC-E, PART II, ITEMS 1, 4, 5 AND 6).........|2381 0 | 6.
|------------------|
49
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RC-13
HOUSTON, TX 77252 (23)
FDIC CERTIFICATE NUMBER: 03263
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 5,095 | 1.
2. U.S. TREASURY SECURITIES AND U.S. GOVERNMENT AGENCY AND CORPORATION OBLIGATONS..........|RCFD|3382 1,876,108 | 2.
3. SECURITIES ISSUED BY STATES & POLITICAL SUBDIVISIONS IN THE U.S. .......................|RCFD|3383 1,513 | 3.
4. a. OTHER DEBT SECURITIES ...............................................................|RCFD|3647 357,505 | 4.a.
b. EQUITY SECURITES (INCLUDES INVESTMENTS IN MUTUAL FUNDS AND FEDERAL RESERVE STOCK) ...|RCFD|3648 42,941 | 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 5,026,496 | 5.
6. LOANS: |//////////////////|
a. LOANS IN DOMESTIC OFFICES: |//////////////////|
(1) TOTAL LOANS.......................................................................|RCON|3360 9,748,031 | 6.a.(1)
(2) LOANS SECURED BY REAL ESTATE ....................................................|RCON|3385 2,014,153 | 6.a.(2)
(3) LOANS TO FINANCE AGRICULTURAL PRODUCTION AND OTHER LOANS TO FARMERS...............|RCON|3386 106,049 | 6.a.(3)
(4) COMMERCIAL AND INDUSTRIAL LOANS...................................................|RCON|3387 3,800,259 | 6.a.(4)
(5) LOANS TO INDIVIDUALS FOR HOUSEHOLD, FAMILY AND OTHER PERSONAL EXPENDITURES........|RCON|3388 1,230,816 | 6.a.(5)
(6) OBLIGATIONS (OTHER THAN SECURITIES AND LEASES) OF STATES AND |//////////////////|
POLITICAL SUBDIVISIONS IN THE U.S.................................................|RCON|3389 93,694 | 6.a.(6)
b. TOTAL LOANS IN FOREIGN OFFICES, EDGE AND AGREEMENT SUBSIDIARIES, AND IBFs............|RCFN|3360 215,464 | 6.b.
7. ASSETS HELD IN TRADING ACCOUNTS.........................................................|RCFD|3401 17,969 | 7.
8. LEASE FINANCING RECEIVABLES (NET OF UNEARNED INCOME)....................................|RCFD|3484 213,874 | 8.
9. TOTAL ASSETS............................................................................|RCFD|3368 20,842,658 | 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 2,011,941 | 10.
11. NONTRANSACTION ACCOUNTS IN DOMESTIC OFFICES: |//////////////////|
a. MONEY MARKET DEPOSIT ACCOUNTS (MMDAs)................................................|RCON|3486 1,984,497 | 11.a.
b. OTHER SAVINGS DEPOSITS...............................................................|RCON|3487 2,933,465 | 11.b.
c. TIME CERTIFICATES OF DEPOSIT OF $100,000 OR MORE.....................................|RCON|3345 938,104 | 11.c.
d. ALL OTHER TIME DEPOSITS..............................................................|RCON|3469 2,869,944 | 11.d.
12. INTEREST-BEARING DEPOSITS IN FOREIGN OFFICES, EDGE AND AGREEMENT SUBSIDIARIES, AND IBFs.|RCFN|3404 506,040 | 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 763,821 | 13.
14. OTHER BORROWED MONEY....................................................................|RCFD|3355 112,117 | 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).
50
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RC-14
HOUSTON, TX 77252 (24)
SCHEDULE RC-L - OFF-BALANCE SHEET ITEMS
PLEASE READ CAREFULLY THE INSTRUCTIONS FOR THE PREPARATION OF SCHEDULE RC-L.
SOME OF THE AMOUNTS REPORTED IN SCHEDULE RC-L ARE REGARDED AS VOLUME INDICATORS
AND NOT NECESSARILY AS MEASURES OF RISK.
|-----------|
| C460 | <---
|-----------------|
DOLLAR AMOUNTS IN THOUSANDS |RCFD Bil Mil Thou|
- ------------------------------------------------------------------------------------------|-----------------|
1. UNUSED COMMITMENTS: |/////////////////|
a. REVOLVING, OPEN-END LINES SECURED BY 1-4 FAMILY RESIDENTIAL PROPERTIES, E.G., HOME |/////////////////|
EQUITY LINES.......................................................................|3814 0 | 1.a.
b. CREDIT CARD LINES..................................................................|3815 0 | 1.b.
c. COMMERCIAL REAL ESTATE, CONSTRUCTION, AND LAND DEVELOPMENT: |/////////////////|
(1) COMMITMENTS TO FUND LOANS SECURED BY REAL ESTATE ..............................|3816 145,100 | 1.c.(1)
(2) COMMITMENTS TO FUND LOANS NOT SECURED BY REAL ESTATE ..........................|6550 123,375 | 1.c.(2)
d. SECURITIES UNDERWRITING............................................................|3817 0 | 1.d.
e. OTHER UNUSED COMMITMENTS...........................................................|3818 6,919,623 | 1.e.
2. FINANCIAL STANDBY LETTERS OF CREDIT AND FOREIGN OFFICE GUARANTEES.....................|3819 1,176,336 | 2.
a. AMOUNT OF FINANCIAL STANDBY LETTERS OF CREDIT CONVEYED TO OTHERS ..................|3820 53,938 | 2.a.
3. PERFORMANCE STANDBY LETTERS OF CREDIT AND FOREIGN OFFICE GUARANTEES...................|3821 116,771 | 3.
a. AMOUNT OF PERFOMANCE STANDBY LETTERS OF CREDIT CONVEYED TO OTHERS .................|3822 5,380 | 3.a.
4. COMMERCIAL AND SIMILAR LETTERS OF CREDIT..............................................|3411 223,212 | 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 10,833 | 8.
9. MORTGAGES TRANSFERRED (I.E. SOLD OR SWAPPED) WITH RECOURSE THAT HAVE BEEN TREATED |/////////////////|
AS SOLD FOR CALL REPORT PURPOSES: |/////////////////|
a. FNMA AND FHLMC RESIDENTIAL MORTGAGE LOAN POOLS: |/////////////////|
(1) OUTSTANDING PRINCIPAL BALANCE OF MORTGAGES TRANSFERRED AS OF THE REPORT DATE....|3650 0 | 9.a.(1)
(2) AMOUNT OF RECOURSE EXPOSURE 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.(1)
(2) AMOUNT OF RECOURSE EXPOSURE ON THESE MORTGAGES AS OF THE REPORT DATE............|3653 0 | 9.b.(2)
c. FARMER MAC AGRICULTURAL MORTGAGE LOAN POOLS: |/////////////////|
(1) OUTSTANDING PRINCIPAL BALANCE OF MORTGAGES TRANSFERRED AS OF THE REPORT DATE....|3654 0 | 9.c.(1)
(2) AMOUNT OF RECOURSE EXPOSURE ON THESE MORTGAGES AS OF THE REPORT DATE............|3655 0 | 9.c.(2)
10. WHEN-ISSUED SECURITIES: |/////////////////|
a. GROSS COMMITMENTS TO PURCHASE......................................................|3434 63,967 | 10.a.
b. GROSS COMMITMENTS TO SELL..........................................................|3435 43,905 | 10.b.
11. INTEREST RATE CONTRACTS (EXCLUDE WHEN-ISSUED SECURITIES): |/////////////////|
a. NOTIONAL VALUE OF INTEREST RATE SWAPS..............................................|3450 5,358,187 | 11.a.
b. FUTURES AND FORWARD CONTRACTS......................................................|3823 255,627 | 11.b.
c. OPTION CONTRACTS (E.G. OPTIONS ON TREASURIES): |/////////////////|
(1) WRITTEN OPTION CONTRACTS.......................................................|3824 329,398 | 11.c.(1)
(2) PURCHASED OPTION CONTRACTS.....................................................|3825 328,498 | 11.c.(2)
12. FOREIGN EXCHANGE RATE CONTRACTS: |/////////////////|
a. NOTIONAL VALUE OF EXCHANGE SWAPS (E.G. CROSS-CURRENCY SWAPS).......................|3826 0 | 12.a.
b. COMMITMENTS TO PURCHASE FOREIGN CURRENCIES AND U.S. DOLLAR EXCHANGE (SPOT, |/////////////////|
FORWARD, AND FUTURES)..............................................................|3415 934,006 | 12.b.
c. OPTION CONTRACTS (E.G. OPTIONS ON FOREIGN CURRENCY): |/////////////////|
(1) WRITTEN OPTION CONTRACTS.......................................................|3827 11,875 | 12.c.(1)
(2) PURCHASED OPTION CONTRACTS.....................................................|3828 11,875 | 12.c.(2)
|-----------------|
51
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RC-15
HOUSTON, TX 77252 (25)
FDIC CERTIFICATE NUMBER: 03263
SCHEDULE RC-L - CONTINUED
|-----------|
| C461 | <---
|-----------------|
DOLLAR AMOUNTS IN THOUSANDS |RCFD Bil Mil Thou|
- -------------------------------------------------------------------------------------------|-----------------|
13. CONTRACTS ON OTHER COMMODITIES AND EQUITIES: |/////////////////|
a. NOTIONAL VALUE OF OTHER SWAPS (E.G. OIL SWAPS)......................................|3829 43,271 | 13.a.
b. FUTURES AND FORWARD CONTRACTS (E.G. STOCK INDEX AND COMMODITY - PRECIOUS METALS, |/////////////////|
WHEAT, COTTON, LIVESTOCK - CONTRACTS)...............................................|3830 0 | 13.b.
c. OPTION CONTRACTS (E.G. OPTIONS ON COMMODITIES, INDIVIDUAL STOCKS AND STOCK INDEXES):|/////////////////|
(1) WRITTEN OPTION CONTRACTS........................................................|3831 0 | 13.c.(1)
(2) PURCHASED OPTION CONTRACTS .....................................................|3832 0 | 13.c.(2)
14. ALL OTHER OFF-BALANCE SHEET LIABILITIES (ITEMIZE AND DESCRIBE EACH COMPONENT OF THIS |/////////////////|
ITEM OVER 25% OF SCHEDULE RC, ITEM 28, "TOTAL EQUITY CAPTIAL").........................|3430 0 | 14.
|----| |-----------------|-----------------|
a. |3555| 0 |3555| 0 |/////////////////| 14.a.
b. |3556| 0 |3556| 0 |/////////////////| 14.b.
c. |3557| 0 |3557| 0 |/////////////////| 14.c.
d. |3558| 0 |3558| 0 |/////////////////| 14.d.
|----| |-----------------|-----------------|
15. ALL OTHER OFF-BALANCE SHEET ASSETS (ITEMIZE AND DESCRIBE EACH COMPONENT OF THIS |/////////////////|
ITEM OVER 25% OF SCHEDULE RC, ITEM 28, "TOTAL EQUITY CAPTIAL").........................|3430 0 | 15.
|----| |-----------------|-----------------|
a. |5592| 0 |5592| 0 |/////////////////| 15.a.
b. |5593| 0 |5593| 0 |/////////////////| 15.b.
c. |5594| 0 |5594| 0 |/////////////////| 15.c.
d. |5595| 0 |5595| 0 |/////////////////| 15.d.
|----| |-----------------|-----------------|
MEMORANDA |-----------------|
DOLLAR AMOUNTS IN THOUSANDS | Bil Mil Thou|
- -------------------------------------------------------------------------------------------|-----------------|
1. LOANS ORIGINATED BY THE REPORTING BANK THAT HAVE BEEN SOLD OR PARTICIPATED TO |/////////////////|
OTHERS DURING THE CALENDAR QUARTER ENDING WITH THE REPORT DATE (EXCLUDE THE PORTIONS |/////////////////|
OF SUCH LOANS RETAINED BY THE REPORTING BANK; SEE INSTRUCTIONS FOR OTHER EXCLUSIONS)....|3431 1,059,360 | M.1.
2. LOANS PURCHASED BY THE REPORTING BANK DURING THE CALENDAR QUARTER ENDING WITH |/////////////////|
THE REPORT DATE (SEE INSTRUCTIONS FOR EXCLUSIONS).......................................|3488 248,273 | M.2.
3. UNUSED COMMITMENTS WITH AN ORIGINAL MATURITY (1) 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 4,825,399 | M.3.
a. PARTICIPATIONS IN COMMITMENTS WITH AN ORIGINAL MATURITY (1) EXCEEDING ONE |/////////////////|
YEAR CONVEYED TO OTHERS ............................................................|3834 213,807 | M.3.a.
4. TO BE COMPLETED ONLY BY BANKS WITH $1 BILLION OR MORE IN TOTAL ASSETS: |/////////////////|
STANDBY LETTERS OF CREDIT AND FOREIGN OFFICE GUARANTEES (BOTH FINANCIAL AND PERFORMANCE)|/////////////////|
ISSUED TO NON-U.S. ADDRESSEES (DOMICILE) INCLUDED IN ITEMS 2 AND 3 ABOVE................|3377 39,708 | M.4.
5. TO BE COMPLETED FOR THE SEPTEMBER REPORT ONLY: |/////////////////|
INSTALLMENT LOANS TO INDIVIDUALS FOR HOUSEHOLD, FAMILY, AND OTHER PERSONAL EXPENDITURES |/////////////////|
THAT HAVE BEEN SECURITIZED AND SOLD WITHOUT RECOURSE (WITH SERVICING RETAINED), AMOUNTS |/////////////////|
OUSTANDING BY TYPE OF LOAN: |/////////////////|
a. LOANS TO PURCHASE PRIVATE PASSENGER AUTOMOBILES......................................|2741 0 | M.5.a.
b. CREDIT CARDS AND RELATED PLANS.......................................................|2742 0 | M.5.b.
c. ALL OTHER CONSUMER INSTALLMENT CREDIT (INCLUDING MOBILE HOME LOANS)..................|2743 0 | M.5.c.
|-----------------|
52
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RC-16
HOUSTON, TX 77252 (26)
|------------|
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 801,644 | 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 OF TOTAL CAPITAL AS DEFINED FOR THIS PURPOSE IN AGENCY REGULATIONS................|6165 31 | 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. OUSTANDING 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 6,543 | 5.a.
b. NON-U.S. ADDRESSEES (DOMICILE)..............................................................|2104 4,726 | 5.b.
6. INTANGIBLE ASSETS: |//////////////////|
a. MORTGAGE SERVICING RIGHTS...................................................................|3164 5,088 | 6.a.
b. OTHER IDENTIFIABLE INTANGIBLE ASSETS: |//////////////////|
(1) PURCHASED CREDIT CARD RELATIONSHIPS.....................................................|5506 0 | 6.b.(1)
(2) ALL OTHER IDENTIFIABLE INTANGIBLE ASSETS................................................|5507 195,546 | 6.b.(2)
c. GOODWILL....................................................................................|3163 281,745 | 6.c.
d. TOTAL (SUM OF ITEMS 6.a. THROUGH 6.c.) (MUST EQUAL SCHEDULE RC, ITEM 10)....................|2143 482,379 | 6.d.
e. INTANGIBLE ASSETS THAT HAVE BEEN GRANDFATHERED FOR REGULATORY CAPITAL PURPOSES |6442 0 | 6.e.
|------------------|
|------------------|
|RCFD | YES | NO |
7. DOES YOUR BANK HAVE ANY MANDATORY CONVERTIBLE DEBT THAT IS PART OF YOUR PRIMARY OR |------------------|
SECONDARY CAPITAL? ...........................................................................|6167 0 | 7.
|------------------|
|RCFD |Bil Mil Thou|
IF YES, CONTINUE BELOW: |------------------|
a. TOTAL EQUITY CONTRACT NOTES, GROSS .........................................................|3290 0 | 7.a.
b. COMMON OR PERPETUAL PREFERRED STOCK DEDICATED TO REDEEM THE ABOVE NOTES.....................|3291 0 | 7.b.
c. TOTAL EQUITY COMMITMENT NOTES, GROSS........................................................|3293 0 | 7.c.
d. COMMON OR PERPETUAL PREFERRED STOCK DEDICATED TO REDEEM THE ABOVE NOTES.....................|3294 0 | 7.d.
e. TOTAL (ITEM 7.a. MINUS 7.b. PLUS 7.c. MINUS 7.d.)...........................................|3295 0 | 7.e.
|------------------|
- ---------------------
(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.
53
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RC-17
HOUSTON, TX 77252 (27)
SCHEDULE RC-M - CONTINUED
|------------------|
DOLLAR AMOUNTS IN THOUSANDS |RCFD Bil Mil Thou |
- --------------------------------------------------------------------------------------------------|------------------|
8.a. OTHER REAL ESTATE OWNED: |//////////////////|
(1) DIRECT AND INDIRECT INVESTMENTS IN REAL ESTATE VENTURES..................................|5372 0 | 8.a.(1)
(2) ALL OTHER REAL ESTATE OWNED..............................................................|//////////////////|
(a) CONSTRUCTION AND LAND DEVELOPMENT IN DOMESTIC OFFICES.................................|5508 54,251 | 8.a.(2)(a)
(b) FARMLAND IN DOMESTIC OFFICES..........................................................|5509 2,945 | 8.a.(2)(b)
(c) 1-4 FAMILY RESIDENTIAL PROPERTIES IN DOMESTIC OFFICES.................................|5510 1,384 | 8.a.(2)(c)
(d) MULTIFAMILY (5 OR MORE) RESIDENTIAL PROPERTIES IN DOMESTIC OFFICES....................|5511 469 | 8.a.(2)(d)
(e) NONFARM NONRESIDENTIAL PROPERTIES IN DOMESTIC OFFICES.................................|5512 73,064 | 8.a.(2)(e)
(f) IN FOREIGN OFFICES....................................................................|5513 0 | 8.a.(2)(f)
(3) TOTAL (SUM OF ITEMS 8.a.(1) AND 8.a.(2)) (MUST EQUAL SCHEDULE RC, ITEM 7)................|2150 132,113 | 8.a.(3)
b. INVESTMENTS IN UNCONSOLIDATED SUBSIDIARIES AND ASSOCIATED COMPANIES: |//////////////////|
(1) DIRECT AND INDIRECT INVESTMENTS IN REAL ESTATE VENTURES..................................|5374 0 | 8.b.(1)
(2) ALL OTHER INVESTMENTS IN UNCONSOLIDATED SUBSIDIARIES AND ASSOCIATED COMPANIES............|5375 0 | 8.b.(2)
(3) TOTAL (SUM OF ITEMS 8.b.(1) AND 8.b.(2)) (MUST EQUAL SCHEDULE RC, ITEM 8)................|2130 0 | 8.b.(3)
c. TOTAL ASSETS OF UNCONSOLIDATED SUBSIDIARIES AND ASSOCIATED COMPANIES.........................|5376 0 | 8.c.
9. NONCUMULATIVE PERPETUAL PREFERRED STOCK AND RELATED SURPLUS INCLUDED IN SCHEDULE RC. ITEM 23, |//////////////////|
"PERPETUAL PREFERRED STOCK AND RELATED SURPLUS"................................................|3778 0 | 9.
|------------------|
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.
|------------------|
54
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RC-18
HOUSTON, TX 77252 (28)
SCHEDULE RC-N - PAST DUE AND NONACCRUAL LOANS, LEASES, AND OTHER ASSETS |------------|
| C470 | <--
THE FFIEC REGARDS THE INFORMATION REPORTED IN ALL OF MEMORANDUM|-----------------|-----------------|
ITEM 1, IN ITEMS 1 THROUGH 10, COLUMN A, AND IN MEMORANDUM | (Column B) | (Column C) |
ITEMS 2 AND 3, COLUMN A, AS CONFIDENTIAL. |Past due 90 | Nonaccrual |
|days or more | |
|and still | |
| accruing | |
|-----------------|-----------------|
DOLLAR AMOUNTS IN THOUSANDS |RCFD Bil Mil Thou|RCFD Bil Mil Thou|
- ---------------------------------------------------------------|-----------------|-----------------|
1. LOANS SECURED BY REAL ESTATE: |/////////////////|/////////////////|
a. TO U.S. ADDRESSEES (DOMICILE)............................|1246 16,422 |1247 105,947 | 1.a.
b. TO NON-U.S. ADDRESSEES (DOMICILE)........................|1249 0 |1250 0 | 1.b.
2. LOANS TO DEPOSITORY INSTITUTIONS AND ACCEPTANCES OF OTHER |/////////////////|/////////////////|
BANKS: |/////////////////|/////////////////|
a. TO U.S. BANKS AND OTHER U.S. DEPOSITORY INSTITUTIONS.....|5378 0 |5379 0 | 2.a.
b. TO FOREIGN BANKS.........................................|5381 0 |5382 0 | 2.b.
3. LOANS TO FINANCE AGRICULTURAL PRODUCTION AND OTHER LOANS |/////////////////|/////////////////|
TO FARMERS..................................................|1597 2,340 |1583 7,073 | 3.
4. COMMERCIAL AND INDUSTRIAL LOANS: |/////////////////|/////////////////|
a. TO U.S. ADDRESSEES (DOMICILE)............................|1252 12,696 |1253 44,324 | 4.a.
b. TO NON-U.S. ADDRESSEES (DOMICILE)........................|1255 54 |1256 1,494 | 4.b.
5. LOANS TO INDIVIDUALS FOR HOUSEHOLD, FAMILY, AND OTHER |/////////////////|/////////////////|
PERSONAL EXPENDITURES: |/////////////////|/////////////////|
a. CREDIT CARDS AND RELATED PLANS...........................|5384 323 |5385 0 | 5.a.
b. OTHER (INCLUDES SINGLE PAYMENT, INSTALLMENT, AND ALL |/////////////////|/////////////////|
STUDENT LOANS............................................|5387 22,115 |5388 1,139 | 5.b.
6. LOANS TO FOREIGN GOVERNMENTS AND OFFICIAL INSTITUTIONS......|5390 0 |5391 0 | 6.
7. ALL OTHER LOANS.............................................|5460 2,502 |5461 12,418 | 7.
8. LEASE FINANCING RECEIVABLES: |/////////////////|/////////////////|
a. OF U.S. ADDRESSEES (DOMICILE)............................|1258 0 |1259 1,155 | 8.a.
b. OF NON-U.S. ADDRESSEES (DOMICILE)........................|1272 0 |1791 0 | 8.b.
9. DEBT SECURITIES AND OTHER ASSETS (EXCLUDE OTHER REAL |/////////////////|/////////////////|
ESTATE OWNED AND OTHER REPOSSESSED ASSETS)..................|5393 0 |5394 52 | 9.
-------------------------------------|
AMOUNTS REPORTED IN ITEMS 1 THROUGH 8 ABOVE INCLUDES GUARANTEED AND
UNGUARANTEED PORTIONS OF PAST DUE AND NONACCRUAL LOANS AND LEASES. REPORT IN
ITEM 10 BELOW GUARANTEED LOANS AND LEASES INCLUDED IN ITEMS 1 THROUGH 8 ABOVE.
|-----------------|-----------------|
|RCFD Bil Mil Thou|RCFD Bil Mil Thou|
|-----------------|-----------------|
10. LOANS AND LEASES REPORTED IN 1 THROUGH 8 WHICH ARE WHOLLY |/////////////////|/////////////////|
OR PARTIALLY GUARANTEED BY THE U.S. GOVERNMENT.............|5613 31,072 |5614 94,786 | 10.
10.a. GUARANTEED PORTION OF LOANS AND LEASES INCLUDED IN ITEM |/////////////////|/////////////////|
10 ABOVE.................................................|5616 29,882 |5617 87,721 | 10.a.
|-----------------|-----------------|
55
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RC-19
HOUSTON, TX 77252 (29)
SCHEDULE RC-N CONTINUED
|------------|
| C473 | <--
|-----------------|-----------------|
MEMORANDUM DOLLAR AMOUNT IN THOUSANDS |RCFD Bil Mil Thou|RCFD Bil Mil Thou|
- --------------------------------------------------------------|-----------------|-----------------|
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............|6559 0 |6560 780 | M.2.
3. LOANS SECURED BY REAL ESTATE IN DOMESTIC OFFICES (INCLUDED |/////////////////|/////////////////|
IN SCHEDULE RC-N, ITEM 1, ABOVE): |/////////////////|/////////////////|
a. CONSTRUCTION AND LAND DEVELOPMENT.......................|2769 2,316 |3492 23,997 | M.3.a.
b. SECURED BY FARMLAND.....................................|3494 0 |3495 1,047 | M.3.b.
c. SECURED BY 1-4 FAMILY RESIDENTIAL PROPERTIES: |/////////////////|/////////////////|
(1) REVOLVING, OPEN-ENDED LOANS SECURED BY 1-4 FAMILY |/////////////////|/////////////////|
RESIDENTIAL PROPERTIES AND EXTENDED UNDER LINES |/////////////////|/////////////////|
OF CREDIT...........................................|5399 0 |5400 0 | M.3.c.(1)
(2) ALL OTHER LOANS SECURED BY 1-4 FAMILY RESIDENTIAL |/////////////////|/////////////////|
PROPERTIES..........................................|5402 4,691 |5403 10,937 | M.3.c.(2)
d. SECURED BY MULTIFAMILY (5 OR MORE) RESIDENTIAL |/////////////////|/////////////////|
PROPERTIES..............................................|3500 1,221 |3501 10,450 | M.3.d.
e. SECURED BY NONFARM NONRESIDENTIAL PROPERTIES............|3503 8,194 |3504 59,516 | M.3.e.
|-----------------|-----------------|
SCHEDULE RC-O - OTHER DATA FOR DEPOSIT INSURANCE ASSESSMENTS
AN AMENDED CERTIFIED STATEMENT SHOULD BE SUBMITTED TO THE FDIC IF THE AMOUNTS REPORTED IN
ITEMS 1 THROUGH 6 OF THIS SCHEDULE ARE AMENDED AFTER THE SEMIANNUAL CERTIFIED STATEMENT |------------|
ORIGINALLY COVERING THIS REPORT DATE HAS BEEN FILED WITH THE FDIC. | C475 | <---
|-----------------|
DOLLAR AMOUNTS IN THOUSANDS |RCON Bil Mil Thou|
- ---------------------------------------------------------------------------------------------------|-----------------|
1. UNPOSTED DEBITS (SEE INSTRUCTIONS): |/////////////////|
a. ACTUAL AMOUNT OF ALL UNPOSTED DEBITS.........................................................|0030 0 | 1.a.
OR |/////////////////|
b. SEPARATE AMOUNT OF UNPOSTED DEBITS: |/////////////////|
(1) ACTUAL AMOUNT OF UNPOSTED DEBITS TO DEMAND DEPOSITS......................................|0031 0 | 1.b.(1)
(2) ACTUAL AMOUNT OF UNPOSTED DEBITS TO TIME AND SAVINGS DEPOSITS (1)........................|0032 0 | 1.b.(2)
2. UNPOSTED CREDITS (SEE INSTRUCTIONS): |/////////////////|
a. ACTUAL AMOUNT OF ALL UNPOSTED CREDITS........................................................|3510 0 | 2.a.
OR |/////////////////|
b. SEPARATE AMOUNT OF UNPOSTED CREDITS: |/////////////////|
(1) ACTUAL AMOUNT OF UNPOSTED CREDITS TO DEMAND DEPOSITS.....................................|3512 0 | 2.b.(1)
(2) ACTUAL AMOUNT OF UNPOSTED CREDITS TO TIME AND SAVINGS DEPOSITS (1).......................|3514 0 | 2.b.(2)
3. UNINVESTED TRUST FUNDS (CASH) HELD IN BANK'S OWN TRUST DEPARTMENT (NOT |/////////////////|
INCLUDED IN TOTAL DEPOSITS IN DOMESTIC OFFICES).................................................|3520 0 | 3.
4. DEPOSITS OF CONSOLIDATED SUBSIDIARIES IN DOMESTIC OFFICES AND IN INSURED |/////////////////|
BRANCHES IN PUERTO RICO AND U.S. TERRITORIES AND POSSESSIONS (NOT |/////////////////|
INCLUDED IN TOTAL DEPOSITS): |/////////////////|
a. DEMAND DEPOSITS OF CONSOLIDATED SUBSIDIARIES.................................................|2211 1968 | 4.a.
b. TIME AND SAVINGS DEPOSITS (1) OF CONSOLIDATED SUBSIDIARIES...................................|2351 16 | 4.b.
c. INTEREST ACCRUED AND UNPAID ON DEPOSITS OF CONSOLIDATED SUBSIDIARIES.........................|5514 0 | 4.c.
5. DEPOSITS OF INSURED BRANCHES IN PUERTO RICO AND U.S. TERRITORIES AND POSSESSIONS |/////////////////|
(INCLUDED IN SCHEDULE RC-E, PART II): |/////////////////|
a. DEMAND DEPOSITS IN INSURED BRANCHES..........................................................|2229 0 | 5.a.
b. TIME AND SAVINGS DEPOSITS (1) IN INSURED BRANCHES............................................|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.
|-----------------|
56
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RC-20
HOUSTON, TX 77252 (30)
SCHEDULE RC-O - CONTINUED
|-----------------|
DOLLAR AMOUNT IN THOUSAND| Bil Mil Thou|
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 1, MEMORANDUM |/////////////////|
ITEM 4.a.).....................................................................................|2314 3,110 | 6.a.
b. AMOUNT REFLECTED IN TIME AND SAVINGS DEPOSITS (1) (INCLUDED IN SCHEDULE RC-E, PART 1, |/////////////////|
MEMORANDUM ITEM 4.b.)..........................................................................|2315 0 | 6.b.
7. UNAMORTIZED PREMIUMS AND DISCOUNTS ON TIME AND SAVINGS DEPOSITS:(1) |/////////////////|
a. UNAMORTIZED PREMIUMS...........................................................................|5516 16,063 | 7.b.
a. UNAMORTIZED DISCOUNTS..........................................................................|5517 0 | 7.b.
|-----------------|
8. TO BE COMPLETED BY BANKS WITH "OKAR DEPOSITS." |-----------------|
TOTAL "ADJUSTED ATTRIBUTABLE DEPOSITS" OF ALL THRIFTS ACQUIRED UNDER SECTION 5(d)(3) OF THE |/////////////////|
FEDERAL DEPOSIT INSURANCE ACT (FROM THE MOST RECENT OAKAR CERTIFIED STATEMENT ATTACH..............|5518 0 | 8.
|-----------------|
|-----------------|
9. DEPOSITS IN LIFELINE ACCOUNTS................................................................... |5596/////////////| 9.
|-----------------|
- -----------------
(1) FOR FDIC INSURANCE ASSESSMENT PURPOSES, "TIME AND SAVINGS DEPOSITS"
CONSISTS OF NONTRANSACTION ACCOUNTS AND ALL TRANSACTION ACCOUNTS OTHER
THAN DEMAND DEPOSITS.
MEMORANDUM (TO BE COMPLETED EACH QUARTER EXCEPT AS NOTED) |-----------------|
DOLLAR AMOUNT IN THOUSAND| 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 9,114,096 | M.1.a.(1)
(2) NUMBER OF DEPOSIT ACCOUNTS OF $100,000 OR LESS (TO BE COMPLETED FOR THE JUNE |-------------|/////////////////|
REPORT ONLY).................................................................|3779 |/////////////////| M.1.a.(2)
b. DEPOSIT ACCOUNTS OF MORE THAN $100,000: |-------------|/////////////////|
(1) AMOUNT OF DEPOSIT ACCOUNTS OF MORE THAN $100,000 ............................|-------------|2710 7,749,009 | M.1.b.(1)
(2) NUMBER OF DEPOSIT ACCOUNTS OF MORE THAN $100,000 ............................|2722 16,273 |/////////////////| 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 MULIPLYING THE NOUMBER
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 FROM THE AMOUNT OF DEPOSIT ACCOUNTS OF MORE
THAN $100,000 REPORTED IN MEMORANDUM ITEM 1.b.(1) ABOVE. |-----------------|
| YES | NO |
|/////////////////|
INDICATE IN THE APPROPRIATE BOX AT THE RIGHT WHETHER YOUR BANK HAS A METHOD OR PROCEDURE FOR |/////////////////|
DETERMINING A BETTER ESTIMATE OF UNINSURED DEPOSITS THAN THE ESTIMATE DESCRIBED ABOVE |6661 0 | M.2.a.
|-----------------|
| Bil Mil Thou|
b. IF THE BOX MARKED YES HAS BEEN CHECKED, REPORT THE ESTIMATE OF UNINSURED DEPOSITS |-----------------|
DETERMINED BY USING YOUR BANK'S METHOD OR PROCEDURE...........................................|5597 | M.2.b.
|-----------------|
________________________________________________________________________________________________________________________
| C477 | <---
PERSON TO WHOM QUESTIONS ABOUT THE REPORT OF CONDITION AND INCOME SHOULD BE DIRECTED: |------------|
Karen Gatenby , Vice President (713) 216-5263
- ------------------------------------------ --------------------------
NAME AND TITLE (TEXT 8901) AREA CODE AND PHONE NUMBER
(TEXT 8902)
57
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RC-21
HOUSTON, TX 77252 (31)
SCHEDULE RC-R -RISK-BASED 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, 1990,
MUST COMPLETE ITEMS 2 THROUGH 9 AND MEMORANDUM ITEM 1. 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 COMPETED ONLY BY |-----------|
BANKS WITH TOTAL ASSETS OF LESS THAN $1 BILLION. INDICATE IN THE APPROPRIATE BOX AT THE RIGHT | YES NO |
WHETHER THE BANK HAS TOTAL CAPITAL GREATER THAN OR EQUAL TO EIGHT PERCENT OF ADJUSTED TOTAL |-----------------|
ASSETS .........................................................................................|6056 0 | 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 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.
|-----------------|-----------------|
| (COLUMN A) | (COLUMN B) |
| SUBORDINATED | OTHER |
| DEBT (1) AND IN-| LIMITED-LIFE |
| TERMEDIATE TERM | CAPITAL |
ITEMS 2 AND 3 ARE TO BE COMPLETED BY ALL BANKS. | PREFERRED STOCK | INSTRUMENTS |
|-----------------|-----------------|
DOLLAR AMOUNTS IN THOUSANDS |RCFD Bil Mil Thou|RCFD Bil Mil Thou|
- ----------------------------------------------------------------------------------|-----------------|-----------------|
2. SUBORDINATE DEBT (1) AND OTHER LIMITED-LIFE CAPITAL INSTRUMENTS (ORIGINAL WEIG|/////////////////|/////////////////|
AVERAGE MATURITY OF AT LEAST FIVE YEARS) WITH A REMAINING MATURITY OF: |/////////////////|/////////////////|
a. ONE YEAR OR LESS...........................................................|3780 0 |3786 0 | 2.a.
b. OVER ONE YEAR THROUGH TWO YEARS............................................|3781 0 |3787 0 | 2.b.
c. OVER TWO YEARS THROUGH THREE YEARS.........................................|3782 0 |3788 0 | 2.c.
d. OVER THREE YEARS THROUGH FOUR YEARS........................................|3783 0 |3789 0 | 2.d.
e. OVER FOUR YEARS THROUGH FIVE YEARS.........................................|3784 35,000 |3790 0 | 2.e.
f. OVER FIVE YEARS............................................................|3785 310,000 |3791 0 | 2.f.
|-----------------|-----------------|
|-----------------|
|RCFD Bil Mil Tho|
3. TOTAL QUALIFYING CAPITAL (I.E. TIER 1 AND TIER 2 CAPITAL) ALLOWABLE UNDER THE RISK-BASED |-----------------|
CAPITAL GUIDELINES..............................................................................|3792 1,705,882 | 3.
|-----------------|
ITEMS 4-9 AND MEMORANDUM ITEM 1 ARE TO BE COMPLETED BY BANKS THAT ANSWERED NO TO
ITEM 1 ABOVE AND BY BANKS WITH TOTAL ASSETS OF $1 BILLION OR MORE. |-----------------|-----------------|
| (COLUMN A) | (COLUMN B) |
|-----------------|-----------------|
DOLLAR AMOUNTS IN THOUSANDS |RCFD Bil Mil Tho|RCFD Bil Mil Tho|
- ----------------------------------------------------------------------------------|-----------------|-----------------|
4. ASSETS AND CREDIT EQUIVALENT AMOUNTS OF OFF-BALANCE SHEET ITEMS ASSIGNED TO |/////////////////|/////////////////|
THE ZERO PERCENT RISK CATAGORY: |/////////////////|/////////////////|
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 1,118,237 |/////////////////| 4.a.(1)
(2) ALL OTHER..............................................................|3795 791,018 |/////////////////| 4.a.(2)
b. CREDIT EQIVALENT AMOUNT OF OFF-BALANCE SHEET ITEMS.........................|/////////////////|3796 23,603 | 4.b.
|-----------------|-----------------|
_____________________
(1) EXCLUDE MANDATORY CONVERTIBLE DEBT REPORTED IN SCHEDULE RC-M, ITEM 7.e,
"TOTAL."
(2) DO NOT REPORT IN COLUMN B THE RISK-WEIGHTED AMOUNT OF ASSETS REPORTED IN
COLUMN A.
58
CERT: 03263 00373 STBK 48-3926 12-31-93
TEXAS COMMERCE BANK NATIONAL ASSOCIATION FFIEC 031
P.O. BOX 2558 PAGE RC-22
HOUSTON, TX 77252 (32)
|-----------------|-----------------|
| (COLUMN A) | (COLUMN B) |
| ASSETS | CREDIT EQUIV- |
| RECORDED | ALENT AMOUNT |
SCHEDULE RC-R --CONTINUED | ON THE | OF OFF-BALANCE |
| BALANCE SHEET | SHEET ITEMS (1) |
|-----------------|-----------------|
DOLLAR AMOUNTS IN THOUSANDS | Bil Mil Tho| Bil Mil Tho|
- ----------------------------------------------------------------|-----------------|-----------------|
5. ASSETS AND CREDIT EQUIVALENT AMOUNTS OF OFF-BALANCE |/////////////////|/////////////////|
SHEET ITEMS ASSIGNED TO THE 20 PERCENT RISK CATAGORY: |/////////////////|/////////////////|
a. ASSETS RECORDED ON THE BALANCE SHEET: |/////////////////|/////////////////|
(1) CLAIMS CONDITIONALLY GUARANTEED BY THE U.S. GOVERN- |/////////////////|/////////////////|
MENT AND ITS AGENCIES AND OTHER OECD CENTRAL |/////////////////|/////////////////|
GOVERNMENTS..........................................|3798 872,310 |/////////////////| 5.a.(1)
(2) CLAIMS COLLATERALIZED BY SECURITIES ISSUED BY THE U.S|/////////////////|/////////////////|
GOVERNMENT AND ITS AGENCIES AND OTHER OECD CENTRAL |/////////////////|/////////////////|
GOVERNMENTS; BY SECURITIES ISSUED BY U.S. GOVERNMENT |/////////////////|/////////////////|
SPONSORED AGENCIES; AND BY CASH ON DEPOSIT...........|3799 208,157 |/////////////////| 5.a.(2)
(3) ALL OTHER............................................|3800 8,030,880 |/////////////////| 5.a.(3)
b. CREDIT EQUIVALENT AMOUNT OF OFF-BALANCE SHEET ITEMS......|/////////////////|3801 646,304 | 5.b.
6. ASSETS AND CREDIT EQUIVALENT AMOUNTS OF OFF-BALANCE |/////////////////|/////////////////|
SHEET ITEMS ASSIGNED TO THE 50 PERCENT RISK CATAGORY: |/////////////////|/////////////////|
a. ASSETS RECORDED ON THE BALANCE SHEET.....................|3802 533,086 |/////////////////| 6.a.
b. CREDIT EQUIVALENT AMOUNT OF OFF-BALANCE SHEET ITEMS......|/////////////////|3803 44,256 | 6.b.
7. ASSETS AND CREDIT EQUIVALENT AMOUNTS OF OFF-BALANCE |/////////////////|/////////////////|
SHEET ITEMS ASSIGNED TO THE 100 PERCENT RISK CATAGORY: |/////////////////|/////////////////|
a. ASSETS RECORDED ON THE BALANCE SHEET.....................|3804 10,160,621 |/////////////////| 7.a.
b. CREDIT EQUIVALENT AMOUNT OF OFF-BALANCE SHEET ITEMS......|/////////////////|3805 3,265,622 | 7.b.
8. ON-BALANCE SHEET VALUES (OR PORTIONS THEREOF) OF INTEREST |/////////////////|/////////////////|
RATE, FOREIGN EXCHANGE RATE, AND COMMODITY CONTRACTS WHICH |/////////////////|/////////////////|
HAVE A CAPITAL ASSESSMENT FOR THEIR OFF-BALANCE SHEET |/////////////////|/////////////////|
EXPOSURE UNDER THE RISK-BASED CAPITAL GUIDELINES AND THOSE |/////////////////|/////////////////|
CONTRACTS (E.G. FUTURES CONTRACTS) EXCLUDED FROM THE CALCU- |/////////////////|/////////////////|
LATION OF THE RISK-BASED CAPITAL RATIO (EXCLUDE MARGIN |/////////////////|/////////////////|
ACCOUNTS AND ACCRUED RECEIVABLES FROM THIS ITEM)............|3806 0 |/////////////////| 8.
9. TOTAL ASSETS RECORDED ON THE BALANCE SHEET (SUM OF ITEMS |/////////////////|/////////////////|
4.a, 5.a, 6.a, 7.a, AND 8, COLUMN A) (MUST EQUAL SCHEDULE |/////////////////|/////////////////|
RC, ITEM 12. PLUS ITEMS 4.b. AND 4.c. PLUS SCHEDULE RC-B, |/////////////////|/////////////////|
ITEM 6.a.(3), COLUMN A).....................................|3807 21,714,309 |/////////////////| 9.
|-----------------|-----------------|
|-----------------|-----------------|
MEMORANDUM | (COLUMN A) | (COLUMN B) |
| NOTIONAL | REPLACEMENT COST|
| PRINCIPAL VALUE | (MARKET VALUE) |
|-----------------|-----------------|
DOLLAR AMOUNTS IN THOUSANDS | Bil Mil Tho| Bil Mil Tho|
- ----------------------------------------------------------------|-----------------|-----------------|
1. NOTIONAL PRINCIPAL VALUE AND REPLACEMENT COST OF INTEREST |/////////////////|/////////////////|
RATE AND FOREIGN EXCHANGE RATE CONTRACTS (IN COLUMN B, RE- |/////////////////|/////////////////|
PORT ONLY THOSE CONTRACTS WITH A POSITIVE REPLACEMENT COST):|/////////////////|/////////////////|
a. INTEREST RATE CONTRACTS (EXCLUDE FUTURES CONTRACTS)......|/////////////////|3808 245,348 | M.1.a.
(1) WITH A REMAINING MATURITY OF ONE YEAR OR LESS........|3809 1,194,899 |/////////////////| M.1.a.(1)
(2) WITH A REMAINING MATURITY OF OVER ONE YEAR...........|3810 4,854,651 |/////////////////| M.1.a.(2)
b. FOREIGN EXCHANGE RATE CONTRACTS(EXCLUDE CONTRACTS WITH |/////////////////|/////////////////|
AN ORIGINAL MATURITY OF 14 DAYS OR LESS AND FUTURES |/////////////////|/////////////////|
CONTRACTS)...............................................|/////////////////|3811 4,394 | M.1.b.
(1) WITH A REMAINING MATURITY OF ONE YEAR OR LESS........|3812 268,412 |/////////////////| M.1.b.(1)
(2) WITH A REMAINING MATURITY OF OVER ONE YEAR...........|3813 3,740 |/////////////////| M.1.b.(2)
|-----------------|-----------------|
_____________________
(1) DO NOT REPORT IN COLUMN B THE RISK-WEIGHTED AMOUNT OF ASSETS REPORTED IN
COLUMN A.
59
FDIC Certificate Number: 03263 FFIEC 031
Page RC-23
(33)
OPTIONAL NARRATIVE STATEMENT CONCERNING THE AMOUNTS
REPORTED IN THE REPORTS OF CONDITION AND INCOME
at close of business on December 31, 1993
Texas Commerce Bank National Association Houston Texas
- -------------------------------------------- -------------- --------------
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 change 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. DIS CLOSURE OF THE STATEMENT SHALL NOT SIGNIFY THAT ANY
FEDERAL SUPERVISORY AGENCY HAS VERIFIED OR CONFIRMED THE ACCURACY OF THE
INFORMATION CONTAINED THEREIN. A STATEMENT TO THIS EFFECT WILL APPEAR ON ANY
PUBLIC RELEASE OF THE OPTIONAL STATEMENT SUBMITTED BY THE MANGEMENT OF THE
REPORTING BANK.
- -------------------------------------------------------------- |C471|C472|<--
No comment / / (RCON 6979)
BANK MANAGEMENT STATEMENT (please type or print clearly).
(TEXT 6990)
During the fourth quarter of 1993, Texas Commerce Bank National Association
combined with the following banks: TCB-Austin, N.A.; TCB-Beaumont, N.A.;
TCB, National Association; TCB-El Paso, N.A.; TCB-Midland, N.A.;
TCB-New Braunfels, N.A.; TCB-Odessa, N.A.; TCB-Rio Grande Valley, N.A.;
and TCB-San Antonio, N.A. The Reports of Condition and Income for the
period ended December 31, 1993 are reported on a fully consolidated basis.
/s/ KENNETH L. TILTIN January 27, 19__
-------------------------------------- ------------------
SIGNATURE OF EXECUTIVE OFFICER OF BANK DATE OF SIGNATURE
60
(34)
THIS PAGE IS TO BE COMPLETED BY NATIONAL BANKS ONLY
| OMB No. For OCC: 1557-0081
NAME AND ADDRESS OF BANK | OMB No. For FDIC: 3064-0052
| OMB No. for Federal Reserve: 7100-0036
CALL NO. 186 31 12-31-93 | EXPIRATION DATE: 02/28/93
CERT: 03263 00373 STBK 48-3926 |
| SPECIAL REPORT
TEXAS COMMERCE BANK NATIONAL ASSOCIA | (DOLLAR AMOUNTS IN THOUSANDS)
P.O. BOX 2558 |
HOUSTON, TX 77252 |--------------------------------------------------
|CLOSE OF BUSINENESS | FDIC CERTIFICATE NUMBER
|DATE |
| | |---------|
| 12-31-93 | 03263 | C-700 |<-
- -----------------------------------------------------------------------------------------------------------------------------
LOANS TO EXECUTIVE OFFICERS (Complete as of each Call Report Date)
The following information is required by Public Law 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 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
$5,000 of indebtedness of each executive officer under bank credit card plan.)
See Sections 215.2 and 215.3 of Title 12 of the Code of Federal Regulations
(Federal Reserve Board Regulation O) for the definitions of "executive officer"
and "extension of credit, " respectively. Exclude loans and other extensions of
credit to directors and principal shareholders who are not executive officers.
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a. Number of loans to executive officers since the previous Call Report Date...........| 3561 | 0 | a.
b. Total dollar amount of above loans (in thousands of dollars)........................| 3562 | 0 | b.
|RCFD| |RCFD| |
c. Range of interest charged on above loans (example 9 3/4% - 9.75)......|7701| 0.0 % to |7702| 0.0 % | c.
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SIGNATURE AND TITLE OF OFFICER AUTHORIZED TO SIGN REPORT |DATE (Month,Day,Year)
|
|
Kenneth L. Tilton, EVP & Controller | January 27, 1994
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NAME AND TITLE OF PERSON TO WHOM INQUIRIES MAY BE DIRECTED (TEXT 8903) |AREA CODE/TELEPHONE NUMBER (TEXT 8904)
|
Karen Gatenby , Vice President | (713) 216-5263
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FDIC 8040/53 (12-92)