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EXHIBIT 25
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
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FORM T-1
STATEMENT OF ELIGIBILITY UNDER THE
TRUST INDENTURE ACT OF 1939
OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE
CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF A
TRUSTEE PURSUANT TO SECTION 305(B)(2)......[ ]
FIRST AMERICAN NATIONAL BANK
(Exact name of trustee as specified in its charter)
NOT APPLICABLE 62-0854774
(Jurisdiction of incorporation (I.R.S. Employer
or organization Identification Number)
if not a U.S. national bank)
400 FIRST AMERICAN CENTER
NASHVILLE, TENNESSEE 37203-0403
(Address of principal executive offices) (Zip code)
NOT APPLICABLE
(Name, address and telephone number of Agent for service)
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NATIONAL HEALTHCARE L.P.
(Exact name of obligor as specified in its charter)
DELAWARE 62-1293855
(State or other jurisdiction of (I.R.S. Employer
incorporation or organization) Identification Number)
100 VINE STREET
SUITE 1400
MURFREESBORO, TENNESSEE 37130
(Address of principal executive offices) (Zip code)
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NATIONAL HEALTHCARE L.P.
$30,000,000 6.0% SENIOR SUBORDINATED CONVERTIBLE DEBENTURES,
DUE 2000
(Title of the indenture securities)
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GENERAL
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.
Office of the Comptroller of the Currency
Marquis One Tower, Suite 600
245 Peachtree Center Avenue, N.E.
Atlanta, Georgia 30303
(b) WHETHER IT IS AUTHORIZED TO EXERCISE CORPORATE TRUST POWERS.
The trustee is authorized by its Articles of Association to
exercise Corporate Trust powers.
ITEM 2. AFFILIATIONS WITH THE OBLIGOR.
IF THE OBLIGOR IS AN AFFILIATE OF THE TRUSTEE, DESCRIBE EACH SUCH
AFFILIATION.
Obligor is not an affiliate of the trustee.
ITEM 3. VOTING SECURITIES OF THE TRUSTEE.
No response required pursuant to paragraph B. of General
Instructions to Form T-1.
ITEM 4. TRUSTEESHIPS UNDER OTHER INDENTURES.
No response required pursuant to paragraph B. of General
Instructions to Form T-1.
ITEM 5. INTERLOCKING DIRECTORATES AND SIMILAR RELATIONSHIPS WITH THE OBLIGOR
OR UNDERWRITERS.
No response required pursuant to paragraph B. of General
Instructions to Form T-1.
ITEM 6. VOTING SECURITIES OF THE TRUSTEE OWNED BY THE OBLIGOR OR ITS
OFFICIALS.
No response required pursuant to paragraph B. of General
Instructions to Form T-1.
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ITEM 7. VOTING SECURITIES OF THE TRUSTEE OWNED BY UNDERWRITERS OR THEIR
OFFICIALS.
No response required pursuant to paragraph B. of General
Instructions to Form T-1.
ITEM 8. SECURITIES OF THE OBLIGOR OWNED OR HELD BY THE TRUSTEE.
No response required pursuant to paragraph B. of General
Instructions to Form T-1.
ITEM 9. SECURITIES OF UNDERWRITERS OWNED OR HELD BY THE TRUSTEE.
No response required pursuant to paragraph B. of General
Instructions to Form T-1.
ITEM 10. OWNERSHIP OR HOLDINGS BY THE TRUSTEE OF VOTING SECURITIES OF CERTAIN
AFFILIATES OR SECURITY HOLDERS OF THE OBLIGOR.
No response required pursuant to paragraph B. of General
Instructions to Form T-1.
ITEM 11. OWNERSHIP OR HOLDINGS BY THE TRUSTEE OF ANY SECURITIES OF A PERSON
OWNING 50 PERCENT OR MORE OF THE VOTING SECURITIES OF THE OBLIGOR.
No response required pursuant to paragraph B. of General
Instructions to Form T-1.
ITEM 12. INDEBTEDNESS OF THE OBLIGOR OF THE TRUSTEE.
No response required pursuant to paragraph B. of General
Instructions to Form T-1.
ITEM 13. DEFAULTS BY THE OBLIGOR.
No response required pursuant to paragraph B. of General
Instructions to Form T-1.
ITEM 14. AFFILIATIONS WITH THE UNDERWRITERS.
No response required pursuant to paragraph B. of General
Instructions to Form T-1.
ITEM 15. FOREIGN TRUSTEE.
No response required pursuant to paragraph B. of General
Instructions to Form T-1.
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ITEM 16. LIST OF EXHIBITS.
LIST BELOW ALL EXHIBITS FILED AS PART OF THIS STATEMENT OF
ELIGIBILITY.
EXHIBIT 1. A COPY OF 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, IF NOT CONTAINED IN THE
ARTICLES OF ASSOCIATION.
Not Applicable.
EXHIBIT 3. A COPY OF THE AUTHORIZATION OF THE TRUSTEE TO
EXERCISE CORPORATE TRUST POWERS, IF SUCH
AUTHORIZATION IS NOT CONTAINED IN THE DOCUMENTS
SPECIFIED IN PARAGRAPH (1) OR (2) ABOVE.
Not Applicable.
EXHIBIT 4. A COPY OF THE EXISTING BY-LAWS OF THE TRUSTEE, OR
INSTRUMENTS CORRESPONDING THERETO.
EXHIBIT 5. A COPY OF EACH INDENTURE REFERRED TO IN ITEM 4, IF
THE OBLIGOR IS IN DEFAULT.
Not applicable.
EXHIBIT 6. THE CONSENTS OF UNITED STATES INSTITUTIONAL TRUSTEES
REQUIRED BY SECTION 321(b) OF THE ACT.
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. A COPY OF ANY ORDER PURSUANT TO WHICH THE FOREIGN
TRUSTEE IS AUTHORIZED TO ACT AS SOLE TRUSTEE UNDER
INDENTURES QUALIFIED OR TO BE QUALIFIED UNDER THE
ACT.
Not applicable.
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EXHIBIT 9. FOREIGN TRUSTEES ARE REQUIRED TO FILE A CONSENT TO
SERVICE OF PROCESS ON FORM F-X.
Not applicable.
NOTE
In answering any item in this statement of eligibility that relates to matters
peculiarly within the knowledge of the obligor or underwriters, the Trustee has
relied upon the information furnished to it by the obligor and underwriters and
the Trustee disclaims responsibility for the accuracy or competence of such
information.
SIGNATURE
PURSUANT TO THE REQUIREMENTS OF THE TRUST INDENTURE ACT OF 1939, THE TRUSTEE,
FIRST AMERICAN NATIONAL BANK, 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 NASHVILLE AND STATE OF TENNESSEE,
ON THE 25TH DAY OF AUGUST, 1995.
FIRST AMERICAN NATIONAL BANK
By: /s/ Brenda Landers
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Brenda Landers
Vice President
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EXHIBIT 1
A COPY OF ARTICLES OF ASSOCIATION
OF THE TRUSTEE AS NOW IN EFFECT
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ARTICLES OF ASSOCIATION OF
FIRST AMERICAN NATIONAL BANK
NASHVILLE, TENNESSEE
(AS AMENDED DECEMBER 16, 1993)
First. The title of this Association shall be "First American
National Bank."
Second. The main office shall be in Nashville, Davidson County,
Tennessee. The general business of the Association shall be conducted at its
main office and its legally established branches.
Third. The Board of Directors of this Association shall consist of
not less than five nor more than twenty-five members. At any meeting of the
shareholders held for the purpose of electing Directors, or changing the number
thereof, the number of Directors may be determined by a majority of the votes
cast by the shareholders in person or by proxy. A majority of the Board of
Directors shall be necessary to constitute a quorum for the transaction of
business at any Directors' meeting. The Board of Directors by the vote of a
majority of the full Board may between annual meetings of shareholders increase
the membership of the Board and by like vote appoint qualified persons to fill
vacancies whenever and however created.
Fourth. The regular annual meeting of the shareholders of this
Association shall be held at its main banking house, or other convenient place
duly authorized by the Board of Directors, on such day of each year as
specified therefor in the By-Laws, at which meeting a Board of Directors shall
be elected; but, if no such election shall be held on that day, it may be held
at any regular adjournment thereof or at a subsequent special meeting called
in accordance with the provisions of the laws of the United States.
Fifth. The amount of capital stock of this Association shall be
Seventy-five Million Dollars ($75,000,000) divided into 7,500,000 shares of
common stock of the par value of Ten Dollars ($10.00) each; but said capital
stock may be increased or decreased from time to time, in accordance with the
provisions of the laws of the United States.
If the capital stock is increased by the sale of additional shares
thereof, each shareholder shall be entitled to subscribe for such additional
shares in proportion to the number of shares of said capital stock owned by him
at the time the increase is authorized by the shareholders, unless another time
subsequent to the date of the shareholders' meeting is specified in a
resolution adopted by the shareholders at the time the increase is authorized.
The Board of Directors shall have the power to prescribe a reasonable period of
time within which the preemptive rights to subscribe to the new shares of
capital stock must be exercised. If the capital stock is increased by a stock
dividend, each shareholder shall be entitled to his proportionate amount of
such
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ARTICLES OF ASSOCIATION OF
FIRST AMERICAN NATIONAL BANK
NASHVILLE, TENNESSEE
(AS AMENDED DECEMBER 16, 1993)
increase in accordance with the number of shares of capital stock owned by him
at the time the increase is authorized by the shareholders, unless another time
subsequent to the date of the shareholders' meeting is specified in a
resolution adopted by the shareholders at the time the increase is authorized.
Sixth. The Board of Directors shall appoint one of its members
President of this Association. The Board of Directors shall have the power to
appoint one or more Vice Presidents, a Cashier and such other officers and
employees as may be required to transact the business of this Association; to
fix the salaries to be paid to such officers and employees of this Association,
and to dismiss any of such officers or employees and appoint others to take
their place.
The Board of Directors shall have the power to define the duties of
officers and employees of this Association and to require adequate bonds from
them for the faithful performance of their duties; to make all By-Laws that may
be lawful for the general regulation of the business of this Association and
the management of its affairs, and generally to do and perform all acts that
may be lawful for a Board of Directors to do and perform.
The Board of Directors shall have the power to change the location of
the main office of this Association to any other place subject to the
affirmative vote of the holders of 2/3 of the issued and outstanding capital
stock of the Association, and the approval of the Comptroller of the Currency,
if required; and shall also have the power to establish, discontinue, or change
the location of any branch or branches of this Association to any other
location, without the approval of the shareholders of this Association, but
subject to the approval of the Office of the Comptroller of the Currency, if
required.
Seventh. The corporate existence of this Association shall continue
until terminated in accordance with the laws of the United States.
Eighth. The Board of Directors of this Association, or any
shareholder(s) owning, in the aggregate, not less than twenty five per centum
(25%) 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, or
specifically waived, a notice of the time, place, and purpose of every regular,
annual, and every special meeting
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ARTICLES OF ASSOCIATION OF
FIRST AMERICAN NATIONAL BANK
NASHVILLE, TENNESSEE
(AS AMENDED DECEMBER 16, 1993)
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, provided
however, that the Board of Directors shall have the power to prescribe a
shorter notice period, and the manner in which said notice will be given in the
case of a special meeting.
Subject to the provisions of the laws of the United States, these
Articles of Association may be amended at any meeting of the shareholders for
which adequate notice has been given, by the affirmative vote of the owners of
a majority of the stock of this Association, voting in person or by proxy.
Ninth. Any director, officer, employee or their heirs, executors, or
administrators may be indemnified or reimbursed by the Association for
reasonable expenses actually incurred in connection with actions to which the
directors, officers or employees are parties or potential parties by reason of
the performance of their official duties to the fullest extent permissible
under the laws of the United States from time to time in effect.
Notwithstanding the foregoing or any provision contained herein to the
contrary, the Association shall not indemnify any officer, director or employee
against expenses, penalties or other payments incurred in an administrative
proceeding or action instituted by an appropriate bank regulatory agency which
proceeding or action results in a final order assessing civil money penalties
or requiring affirmative action by an individual or individuals in the form of
payments to the Association to the extent expressly prohibited under 12 C.F.R.
Part 7, Section 7.5217 or otherwise under the laws of the United States.
The Association may, upon affirmative vote of a majority of its board
of directors, purchase insurance to indemnify its directors, officers, and
other employees to the extent that such indemnification is allowed in these
Articles of Association, exclusive of insurance coverage for a formal order
assessing civil money penalties against a director or employee in his or her
capacity as such to the extent that the purchase of such coverage is expressly
prohibited under 12 C.F.R. Part 7, Section 7.5217 or otherwise under the laws
of the United States. Such insurance may, but need not, be for the benefit of
all directors, officers, or employees.
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EXHIBIT 4
A COPY OF THE EXISTING BY-LAWS OF THE TRUSTEE,
OR INSTRUMENTS CORRESPONDING THERETO
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CERTIFICATE
The undersigned Assistant Secretary of First American National Bank,
headquartered in Nashville, Tennessee ("First American") hereby certifies that
the attached is a true and correct copy of First American's By-Laws duly
adopted by the Directors of First American at a meeting held on the 16th day of
March, 1995, that such meeting was duly called and held in conformity with
first American's Articles of Association and By-Laws, and at such meeting, a
quorum was present and acting throughout, and that said By-Laws have not been
modified, changed or rescinded, but are now in full force and effect.
This 22nd day of August, 1995.
/s/ Pamela B. Welch
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ASSISTANT SECRETARY
FIRST AMERICAN NATIONAL BANK
[SEAL]
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BY-LAWS
OF
FIRST AMERICAN NATIONAL BANK
NASHVILLE, TENNESSEE
(HEREIN SOMETIMES THE "BANK")
EFFECTIVE MARCH 16, 1995
ARTICLE I
MEETINGS OF SHAREHOLDERS
SECTION 1.1. ANNUAL MEETING. The regular meeting of the shareholders
for the election of directors and the transaction of whatever other business
may properly come before the meeting, shall be held at a designated office of
the Bank in Nashville, Tennessee, at 1:00 p.m., on the fourth Thursday in April
of each year, or at such other date, time and place as the Board of Directors
(hereinafter sometimes referred to as the "Board") may designate.
SECTION 1.2. SPECIAL MEETINGS. Except as otherwise specifically
provided by statute, special meetings of the shareholders may be called for any
purpose at any time by the Board or by the holders of not less than twenty-five
percent of the stock of the Bank entitled to vote at such meeting.
SECTION 1.3. NOTICE OF MEETINGS. Notice of the time, place and
purpose of every annual or special meeting of shareholders, unless waived,
shall be mailed postage prepaid, at least ten days prior to the date set for
the meeting, addressed to each shareholder of record at the close of business
on the record date established for such meeting, at his address appearing on
the records of the Bank; provided however, that if in the discretion of the
Board, a shorter notice period is advisable in the case of a special meeting,
at least twenty-four hours notice shall be given, and may be given by
telephone, telegraph or in person.
SECTION 1.4. MANNER OF ACTING. The act of the majority of the
shareholders shall, unless otherwise provided by law, be the act of the Bank.
Any action required or permitted to be taken at a meeting of shareholders, may
be taken without a meeting, if a consent in writing, setting forth the action
so taken, shall be signed by all of the shareholders of record on the date the
consent is signed. Such written consent shall have the same force and effect as
a unanimous vote.
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SECTION 1.5. NOMINATIONS FOR DIRECTOR. Nominations for election to
the Board may be made by the Board or by any shareholder of any outstanding
class of capital stock of the Bank entitled to vote for the election of
directors. Nominations, other than those made by or on behalf of the existing
management of the Bank, shall be made in writing and shall be delivered or
mailed to the President of the Bank and to the Comptroller of the Currency,
Washington, D.C. not less than 10 days nor more than 20 days prior to any
meeting of shareholders held for the election of directors. Written notice of
a nomination 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 Bank 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 Bank 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 cast for each such
nominee. In the event the same person is nominated by more than one
shareholder, the nomination shall be honored and all shares shall be counted if
at least one nomination for that person complies with the provisions of this
paragraph.
SECTION 1.6. VOTING. Each shareholder shall be entitled to cast one
vote for each share of stock registered in his name on the records of the Bank,
on the record date established for the meeting. Except as otherwise provided
by law or by the Articles of Association, all matters shall be determined by a
majority of the votes cast.
SECTION 1.7. PROXIES. Shareholders may vote at any meeting of the
shareholders by proxies duly authorized in writing, but no officer or employee
of the Bank shall act as proxy. Proxies shall be valid only for one meeting, to
be specified therein, and any adjournments of such meeting. Proxies may be
obtained in advance of a meeting, shall be dated and shall be filed with the
records at such meeting.
SECTION 1.8. ORGANIZATION. At every meeting of shareholders, the
Chairman of the Board, a Vice Chairman, or the President shall preside as
Chairman of the meeting and the Cashier or other officer or director shall act
as Secretary. A full record of each meeting shall be made by the secretary and
such minutes shall be retained in the records of the Bank. At every annual
meeting the Chief Executive Officer shall report on the operations of the Bank
during the preceding year.
SECTION 1.9. JUDGES OF ELECTION. The Board of Directors or the
officer presiding at the annual meeting may appoint one or more
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judges of election as such appointing authority shall deem necessary to assure
the proper holding of the election of directors; and the judge or judges so
appointed shall, after the election has been held, certify the result thereof,
giving the names of directors. In the event the judge or judges of election
shall be appointed by the Board in advance of the annual meeting and shall for
any reason fail or be unable to serve, a substitute judge or judges may be
appointed at any time prior to the election by either the Board or by the
officer presiding at the annual meeting.
SECTION 1.10. QUORUM. A majority of the outstanding stock,
represented in person or by proxy, shall constitute a quorum at any meeting of
shareholders, unless otherwise provided by law; but less than a quorum may
adjourn any meeting, from time to time, and the meeting may be held, as
adjourned, without further notice.
ARTICLE II
DIRECTORS
SECTION 2.1. BOARD OF DIRECTORS. The Board shall have power to
manage and administer the business and affairs of the Bank. Except as expressly
limited by law, all corporate power of the Bank shall be vested in and may be
exercised by said Board.
SECTION 2.2. NUMBER. The Board shall consist of not less than five
or more than twenty-five members, who shall be shareholders if required by law,
the exact number within such minimum and maximum limits to be fixed and
determined from time to time by resolution of a majority of the full Board or
by resolution of the shareholders at any meeting thereof; provided, however,
that a majority of the full Board of Directors may increase the number of
directors (and appoint persons to fill such positions) to a number which (i)
exceeds by no more than two the number of directors last elected by
shareholders where such number was fifteen or less; and (ii) to a number which
exceeds by no more than four the number of directors last elected by
shareholders where such number was sixteen or more, but in not event shall the
number of directors exceed twenty-five.
SECTION 2.3. REGIONAL, CITY, ADVISORY OR SENIOR DIRECTORS. In the
discretion of the Board of Directors of the Bank, or the Chairman of the Board
and the President, there may be Boards designated as Regional, City, Advisory
or Senior Boards, the members of which shall be elected at one time, or from
time to time, by the Board of Directors of the Bank or appointed by the
Chairman of the Board and the President of the Bank, and the tenure
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of office of such directors shall be at the will of the Board of Directors or
the Chairman and the President as the case may be. These directors shall not
be entitled to vote, but shall perform such duties, if any, as may from time to
time be required of them by the Board of Directors or the Chairman and the
President.
SECTION 2.4. REGULAR MEETINGS.
A regular meeting of the Board shall be held immediately after the
annual meeting of shareholders. A majority of the entire Board may provide, by
resolution, the time and place for the holding of additional regular meetings.
Such regular meetings may be held without notice of the time, place and purpose
thereof.
SECTION 2.5. SPECIAL MEETINGS. Special Meetings may be called by the
Chairman of the Board, a Vice Chairman, or the President or any three
directors. Notice by mail of at least forty-eight hours or by telephone or in
person or by telegraph of at least twenty-four hours shall be given of every
special meeting. If mailed, such notice shall be deemed to be delivered when
deposited in the United States mail, so addressed, with postage prepaid
thereon. If notice be given by telegram, such notice shall be deemed to be
delivered when the telegram, so addressed is delivered to the telegraph
company. Any director may waive notice of any meeting before, at or after such
meeting, and the attendance of a director at a meeting shall constitute a
waiver of notice of such meeting, except where a director attends for the
express purpose of objecting to the transaction of business thereat on the
ground that the meeting was not lawfully called or convened.
SECTION 2.6. COMPENSATION. The directors may be paid their expenses,
if any, of attendance at each meeting of the Board and each meeting of a
committee, and may, in addition, be paid a fixed sum for serving as a Director
and for attendance at each such meeting. No such payment shall preclude any
director from serving the Bank in any other capacity and receiving compensation
therefor; provided however, that no director who is also an officer (other
than one holding an honorary position) shall be compensated in addition to his
normal salary.
SECTION 2.7. QUORUM. A majority of the directors shall constitute a
quorum at any meeting, except when otherwise provided by law; but a less number
may adjourn any meeting, from time to time, and the meeting may be held, as
adjourned, without further notice.
SECTION 2.8. MANNER OF ACTING. The act of the majority of the
directors present at a meeting at which a quorum is present shall, unless
otherwise provided by law or these By-Laws, be the act of the Board. Directors
may participate in any meetings, or the meeting may be conducted by means of
communications equipment
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whereby all persons participating can simultaneously hear each other. A
director participating in a meeting by this means is deemed to be present in
person at the meeting. Any action required or permitted to be taken at a
meeting of directors, may be taken without a meeting if a consent in writing,
setting forth the action so taken, shall be signed by all of the directors.
Such written consent shall have the same force and effect as a unanimous vote.
SECTION 2.9. PRESUMPTION OF ASSENT. A director of the Bank who is
present at a meeting of the Board at which action on any Bank matter is taken
shall be presumed to have assented to the action taken unless his dissent shall
be entered in the minutes of the meeting, or unless he shall file his written
dissent to such action with the person acting as Secretary of the meeting
before the adjournment thereof.
SECTION 2.10. VACANCIES. When any vacancy occurs among the directors
(including any vacancy resulting from increasing the Board by resolution of the
directors in accordance with Section 2.2. of these By-Laws) the remaining
members of the Board, in accordance with the laws of the United States, may
appoint a director to fill such vacancy at any regular meeting of the Board, or
at a special meeting called for that purpose.
SECTION 2.11. AGE LIMITATIONS ON DIRECTORS. No person shall be
elected or reelected a Director of the Bank after he reaches age seventy (70),
except that a Director who is also serving as a Director of First American
Corporation may be elected, or reelected, as a Director of the Bank without
regard to age.
ARTICLE III
COMMITTEES
SECTION 3.1. EXECUTIVE COMMITTEE. There shall be an Executive
Committee of the Board consisting of (i) the Chairman, (ii) the President,
(iii) such other directors who shall be elected by the Board, and (iv)
additional directors as may be selected by the Chairman of the Committee to
serve on a quarterly basis and to be succeeded by other directors to the end
that all directors, if available, may serve on the Executive Committee from
time to time on a quarterly basis. The Board shall appoint from among the
members of the Committee a chairman thereof, who shall preside at meetings of
the Committee and shall direct its work. Except for matters which cannot by
law be delegated by the Board, the Executive Committee shall have all the
powers of the Board in the management and conduct of the business and affairs
of the Bank in the intervals between meetings of the Board.
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SECTION 3.2. AUDIT COMMITTEE. There shall be an Audit Committee
composed of not less than three directors elected by the Board, none of whom
shall be officers employed on a regular full-time basis by the Bank or by First
American Corporation or any of its affiliates. The Audit Committee shall be a
joint committee of the Bank and First American Corporation, and shall serve as
the Audit Committee for both. The Board shall appoint from among the members
of the Committee a chairman thereof, who shall preside at meetings of the
Commititee and shall direct its work.
It shall be the duty of the Committee to make or cause to be made on
its behalf and under its supervision, not less frequently than annually,
regular and periodic audit examinations into the affairs of the Bank and to
report its findings to the Board. Auditors whose services are utilized by the
Committee may be in the regular employ of First American Corporation but in
connection with such audit examinations shall be responsible to the Audit
Committee and the Board of the Bank. It shall be the duty of such auditors of
the Audit Committee to establish and maintain adequate, proper, effective, and
continuing audit controls and procedures in all departments of the Bank so as
to accurately set forth the Bank's condition and to fulfill legal and
regulatory requirements.
SECTION 3.3. COMMUNITY AFFAIRS COMMITTEE. There shall be a Community
Affairs Committee composed of at least three Directors elected by the Board, at
least two of whom shall not be employed on a regular full-time basis by the
Bank or by First American Corporation or any of its affiliates. The Community
Affairs Committee shall be a joint committee of the Bank and First American
Corporation and shall serve both. The Board shall appoint from among the
members of the Committee a chairman thereof, who shall preside at meetings of
the Committee and shall direct its work. It shall be the duty of the Committee
to advise and counsel management in matters of community activities,
contributions, image issues, government affairs, economic development, and
compliance with the Community Reinvestment Act and other laws or regulations
of a similar purpose; and to perform such other functions as may be assigned to
it by the Board.
SECTION 3.4. HUMAN RESOURCES COMMITTEE. There shall be a Human
Resources Committee composed of at least three Directors elected by the Board,
none of whom shall be employed on a regular full-time basis by the Bank, or by
First American Corporation or any subsidiary thereof. This shall be a joint
committee of the Bank and First American Corporation and shall serve both. The
Board shall appoint from among the members of the Committee a chairman thereof,
who shall preside at meetings of the Committee and shall direct its work.
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This Committee shall oversee all personnel practices and procedures
for all Bank officers and employees, including but not limited to all benefit
programs, salary administration, bonus and incentive plans. The Committee
shall review all actions of management as to the aggregate expenditures for
salaries and shall review specific salaries of certain key personnel; review
Directors' and Officers' and Employees' Standards of Conduct, organizational
structure, recruitment programs, succession and management development plans,
and recommend certain elections and promotions, and perform such other
functions as may be assigned to it by the Board.
SECTION 3.5. DEVELOPMENT COMMITTEE. There shall be a Development
Committee of the Board consisting of not less than three directors elected by
the Board. The Board shall appoint from among the members of the Committee a
Chairman thereof, who shall preside at meetings of the Committee and shall
direct its work.
It shall be the duty of the Committee to oversee and to advise and
counsel management as to the investigation, development and implementation of
non-traditional banking products or services offered through First American
Corporation or its affiliates. The Committee shall also provide general
oversight to First American National Bank's corporate and personal trust
services, as well as services offered incidentally thereto, such as investment
management. The Committee shall also review preliminary reports and
recommendations concerning stragetic growth through mergers and acquisitions.
The Committee shall ensure that all such activities are undertaken and
conducted in accordance with applicable laws and reguations, corporate policy
and sound financial planning. The Committee shall also perform such other
functions as may be assigned to it by the Board.
SECTION 3.6. ASSET POLICY COMMITTEE. There shall be an Asset Policy
Committee composed of not less than five directors elected by the Board, at
least four of whom shall not be employed on a regular full-time basis by the
Bank or First American Corporation or any subsidiary thereof. This shall be a
joint committee of the Board and First American Corporation and shall serve
both. The Board shall appoint from among the members of the Committee a
chairman thereof, who shall preside at meetings of the Committee and shall
direct its work.
The Committee shall have responsibility for all credit related matters,
including approval of credit policies and procedures, monitoring the loan
portfolio, review of significant transactions, review of credit examinations,
compliance with regulatory requirements and applicable laws and regulations,
review of internal and external audits, review of the allowance for loan
losses, and review of regulatory examinations. The Asset Policy
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Committee shall also regularly review asset/liability policies and procedures,
asset quality reports, and the policies and procedures of the Capital Markets
Group. The Asset Policy Committee shall perform such other duties as may be
assigned to it from time to time by the Board.
SECTION 3.7. OTHER COMMITTEES AND SUBCOMMITTEES. The Board may
appoint such other committees and/or subcommittees of one or more persons as it
may determine will be helpful in discharging its responsibility for the
management and administration of the Bank. Each such other committee shall
consist of such directors, officers and others as may be appointed by the
Board, and shall perform such functions and possess such powers as may be
assigned to it by the Board. Such committees may be designated by the Board
as "boards", but such designation, if any, shall not alter their powers or
responsibilities.
SECTION 3.8. COMPENSATION. The chairman and members of all committees
shall receive such compensation for their as may be fixed by the Board, but no
director who is also an officer (other than one holding an honorary position)
shall be compensated in addition to his normal salary.
SECTION 3.9. MEETINGS. Regular meetings of any standing or special
committee may be held without call or notice at such times or places as such
committee from time to time may fix. Other meetings of any such committee may
be called by the Chairman of the Committee or any two members of any such
committee upon giving notice of the time, place and purposes of each such
meeting to each member at either his business or residence address, as shown by
the records of the Secretary, at least twenty-four hours previously thereto if
delivered in person or given orally, or by telephone or telegraph. If mailed,
such notice shall be deemed to be delivered when deposited in the United States
mail, so addressed, with postage prepaid thereon. If notice be given by
telegram, such notice shall be deemed to be delivered when the telegram, so
addressed is delivered to the telegraph company. Any member may waive notice
of any meeting and the attendance of a member at a meeting shall constitute a
waiver of notice of such meeting except where a member attends for the express
purpose of objecting to the transaction of business thereat on the ground that
the meeting is not lawfully called or convened. A majority of the directors
serving as members of any committee at the time of any meeting shall constitute
a quorum at such meeting; but a less number may adjourn any meeting from time
to time, and the meeting may be held, as adjourned, without further notice.
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ARTICLE IV
OFFICERS AND EMPLOYEES
SECTION 4.1. CHAIRMAN OF THE BOARD. The Board may appoint one of its
members to be Chairman of the Board. Such Chairman shall preside at meetings
of the Board and shall perform such duties and exercise such powers as
reasonably may be assigned to him by the Board.
SECTION 4.2. VICE CHAIRMAN OF THE BOARD. The Board may appoint one
or more Vice Chairmen, who need not be Board members, with such duties and
powers as may be assigned by the Board, the Chairman of the Board or the Chief
Executive Officer.
SECTION 4.3. PRESIDENT. The Board shall appoint one of its members
to be President of the Bank. The President shall have such duties and exercise
such powers as reasonably may be assigned to him by the Board, or the Chief
Executive Officer.
SECTION 4.4. CHIEF EXECUTIVE OFFICER. The Board shall appoint one of
its members to be Chief Executive Officer of the Bank. He may exercise all the
powers customarily exercised by the Chief Executive Officer of a national
banking association. The Chief Executive Officer shall have general
supervision of all policies and operations of all of the divisions of the Bank.
All officers of the Bank shall report to him to the extent he may at any time
require. In the absence of the Chairman of the Board, or, if no Chairman of
the Board is appointed, the Chief Executive Officer shall preside at meetings
of the Board. In the absence of the Chief Executive Officer, or upon his
inability to act, or if said office shall become vacant, his duties shall be
performed by a Vice Chairman, if any, or such person or persons as shall be so
designated by the Board.
SECTION 4.5. CHAIRMAN OF THE EXECUTIVE COMMITTEE. The Board shall
appoint one of its members to be Chairman of the Executive Committee. Such
Chairman shall preside at meetings of the Executive Committee and shall perform
such other duties and exercise such powers as reasonably may be assigned to him
by the Board. In the absence of the Chairman of the Executive Committee, the
Chairman of the Board or the President shall preside at meetings of the
Committee.
SECTION 4.6. EXECUTIVE AND SENIOR VICE PRESIDENTS. The Board or the
Human Resources Committee shall appoint one or more Executive or Senior Vice
Presidents, except that those designated as Regulation O executive officers
based upon their roles in First American Corporation or First American National
Bank shall be appointed solely by the Board. Each Executive or Senior Vice
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President shall have such powers and duties as may be assigned to him by the
Board, the Human Resources Committee, or the Chief Executive Officer of the
Bank.
SECTION 4.7. SECRETARY OF THE BOARD. The Board shall appoint a
person who shall be Secretary of the Board and who shall keep accurate minutes
of all meetings. He shall attend to the giving of all notices required by
these By-Laws to be given. The Board may also appoint one or more Assistant
Secretaries of the Board who shall assist the Secretary in the performance of
his duties and shall perform such other duties as may be assigned by the Board
or the Chief Executive Officer.
SECTION 4.8. CASHIER. The Board shall appoint a Cashier. Except as
otherwise required by these By-Laws, the Cashier shall be custodian of the
corporate seal, records, documents and papers of the Bank and shall provide for
the keeping of proper records of all transactions of the Bank. He shall have
and may exercise any and all other powers and duties pertaining by law,
regulation or practice, to the office of Cashier, or imposed by these By-Laws.
He shall also perform such other duties as may be assigned to him from time to
time by the Board. The Board may, in its discretion, assign any or all of the
aforesaid duties to one or more other officers.
SECTION 4.9. VICE PRESIDENTS AND OTHER OFFICERS. The Board, the
Chairman of the Board or the President may appoint Vice Presidents and such
other officers and Attorneys-in-Fact, not specifically provided for by these
By-Laws, with such titles and descriptions, as from time to time may appear to
the Board, the Chairman of the Board or the President to be required or
desirable to transact the business of the Bank. Such officers shall
respectively exercise such powers and perform such duties as pertain to their
several offices, or as may be conferred upon, or assigned to, them by the
Board, the Chairman of the Board or the President of the Bank.
SECTION 4.10. TENURE OF OFFICE. All officers of the Bank shall be
elected by the Board at its first meeting after each annual meeting of
shareholders. Unless he shall resign, become disqualified or be removed, each
officer shall continue in his office until the Board shall again elect officers
following the next succeeding annual meeting of shareholders. The Board, at
any time, may remove with or without cause, any officer, may fill any vacancies
and may appoint additional officers. The Chairman of the Board or the
President may at any time remove any officer.
SECTION 4.11. EMPLOYEES OTHER THAN OFFICERS. Subject to the
authority of the Board, the Chief Executive Officer of the Bank, or any other
officer authorized by him, may employ such other clerks, agents, employees,
consultants, attorneys, accountants, etc. as he
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may deem advisable for the prompt and orderly transaction of the business of
the Bank, define their duties, titles and descriptions, fix the compensation to
be paid them and dismiss them.
SECTION 4.12. BONDING. All officers and employees, as a group, shall
be bonded for the faithful performance of duties and against loss to the Bank
resulting from their misconduct by a reliable surety company selected by the
Board and in such amount as shall be determined, from time to time, by the
Board.
SECTION 4.13. RETIREMENT OF OFFICERS AND EMPLOYEES. Any officer or
salaried employee of the Bank shall retire at the end of the month in which he
or she reaches age sixty-five (65) or, if mandatory retirement at such age
shall be prohibited by law, at such next older age as shall be legally
permissible. Provided, however, that the Board of Directors by specific action
may delay for not more than one (1) year beyond the mandatory retirement age
set forth in the preceding sentence, the retirement of any officer or salaried
employee who is performing such services for the Bank that continuation in
active employment is deemed by the Board to be in the best interest of the
Bank. Provided, further, that if deemed in the best interest of the Bank, the
Board, by specific action and as an alternative to extension of the retirement
age of such officer or salaried employee, may employ him or her in a consulting
capacity for a reasonable time beyond his or her mandatory retirement age.
ARTICLE V
STOCK AND STOCK CERTIFICATES
SECTION 5.1. TRANSFERS. Shares of stock shall be transferable on the
records of the Bank, and transfer records shall be kept in which all transfers
of stock shall be recorded. Every person becoming a shareholder by such
transfer shall, in proportion to his shares, succeed to all rights and
liabilities of the prior holder of such shares.
SECTION 5.2. STOCK CERTIFICATES. Certificates of stock shall bear
the signature of the Chairman of the Board or the President (which may be
engraved, printed or impressed), and shall be signed manually or by facsimile
process by any Vice President or any Assistant Vice President or the Cashier or
any other officer appointed by the Board for that purpose, to be known as an
Authorized Officer, and the seal of the Bank shall be affixed manually or
engraved thereon. Each certificate shall recite on its face that the stock
represented thereby is transferable only upon the records of the Bank when
properly endorsed.
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ARTICLE VI
CORPORATE SEAL
SECTION 6.1. CORPORATE SEAL. The Chairman of the Board, a Vice
Chairman, the President, the Secretary, the Cashier, or any Vice President,
Assistant Secretary or Assistant Cashier or any other officer thereunto
designated by the Board, shall have authority to affix the corporate seal to
any document requiring such seal, and to attest the same. Such seal shall be
substantially in the following form:
ARTICLE VII
EMERGENCIES AND DISASTERS
SECTION 7.1. APPLICATION. The emergency procedures and authorities
established by these By-Laws shall be valid and operable only in the event of
an emergency declared by the President of the United States or person
performing his functions, the outbreak of actual war, or the occurrence of
warlike damage or disaster. Any of the emergency provisions outlined in
Article VII of the By-Laws may be invalidated by a majority of directors
present at any meeting of the Board for which reasonable notice has been given.
SECTION 7.2. EMERGENCY OPERATIONS. In the event of an emergency as
contemplated by these By-Laws, the officers and employees of the Bank will
continue to conduct the affairs of the Bank to the extent possible under the
authority of the Board of Directors, but subject to any lawful rule,
regulation, instruction or direction from the President of the United States or
the person performing his functions.
SECTION 7.3. INTERIM EXECUTIVE COMMITTEE. In the event of a state of
disaster of sufficient severity to prevent the conduct and management of the
affairs and business of the Bank by its directors and officers as contemplated
by these By-Laws, any two (2) or more available members of the then incumbent
Executive Committee shall constitute a quorum of that committee for the full
conduct and management of the affairs and business of the Bank, and shall be
empowered to exercise all of the powers of the Board of Directors and any
committee thereof. In the event of the unavailability at such time of a
minimum of two (2) members of the
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then incumbent Executive Committee, any three (3) available directors shall
constitute the Executive Committee for the full conduct and management of the
affairs and business of the Bank. Should there be less than three (3) directors
available, any remaining directors and the remaining officers of the Bank shall
by majority vote elect three (3) individuals to serve as an Interim Executive
Committee and shall call as soon as practical a meeting of shareholders for the
purpose of the election of directors.
SECTION 7.4. OFFICER SUCCESSION. In the event of an emergency as
contemplated by this Article VII of the By-Laws and if the Chief Executive
Officer of the Bank cannot be located or is unable to assume or to continue
normal executive duties, then the authority and duties of the Chief Executive
Officer shall without further action of the Board of Directors be automatically
assumed by the next most senior officer in title available. Within titles of
the same rank, the individual with the greatest number of years service with
the Bank shall assume the position of authority as Chief Executive Officer.
Any person who in accordance with these By-Laws assumes the authority and
duties of the Chief Executive Officer shall continue to serve until he resigns,
until three quarters (3/4) of the other available officers of the bank shall
decide in writing he is unable to perform said duties, until the elected Chief
Executive Officer of the Bank becomes available or able to perform the duties
of the Chief Executive Officer, a person of higher rank becomes available, or
until replaced by the Board of Directors of the Executive Committee as
regularly constituted or as constituted as hereinabove provided under emergency
conditions.
SECTION 7.5. CERTIFICATION OF INCUMBENCY. Anyone dealing with this
bank may accept its certification by any three (3) officers that a specified
individual is acting as Chief Executive Officer in accordance with the
emergency provisions of these By-Laws, and that anyone accepting such
certificate may continue to consider it in force until notified in writing of a
change, with such notice of change to carry the signature of three (3) officers
of the Bank.
SECTION 7.6. ALTERNATE LOCATIONS. During an emergency resulting in
any authorized place of business of the Bank being unable to function, the
business ordinarily conducted at such location shall be relocated elsewhere in
suitable quarters as may be designated by the Board of Directors or by the
Executive Committee or by those otherwise authorized in the time of emergency
to conduct the affairs of the Bank. Any temporarily relocated place of
business of the Bank shall be returned to its legally authorized location as
soon as practical and such temporary place of business shall then be
discontinued.
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ARTICLE VIII
INDEMNIFICATION OF DIRECTORS, OFFICERS AND EMPLOYEES
SECTION 8.1. APPLICATION. Any director, officer or employee who is
made, or threatened to be made a party to any proceeding, whether civil,
criminal, administrative or investigative, by reason of the fact of his
capacity as such director, officer or employee shall be indemnified to the
fullest extent permitted by applicable law and regulation against judgments,
fines, amounts paid in settlement and reasonable expenses, including attorney
fees actually and necessarily incurred as a result of such proceeding, or any
appeal therein, provided he acted in good faith for a purpose which he
reasonably believed to be in the best interest of the Bank
SECTION 8.2. INDEMNIFICATION PROHIBITED. No indemnification will be
provided in the event that a supervisory action results in a final order
assessing civil money penalties or requiring affirmative action in the form of
payments to the Bank. No director, officer, or employee who shall be adjudged
guilty of, or liable for, willful misconduct, gross neglect of duty, or
criminal acts shall be indemnified in any manner whatsoever.
SECTION 8.3. DEFENSES NOT WHOLLY SUCCESSFUL. Any indemnification to
a director, officer, or employee who has not been wholly successful, on the
merits or otherwise, in the defense of a proceeding, unless ordered by a court,
shall be made only if authorized (1) by the Board of Directors acting by a
quorum consisting of directors who are not parties to the proceeding upon a
finding that the Director, Officer or Employeehas met the standard of conduct
set forth in Section 8.1.; (2) by the Board upon the written opinion of
independent legal counsel that indemnification is proper because the standard
of conduct has been met, if such a quorum is not obtainable with due diligence
or (3) by the shareholders upon a finding that the standard of conduct has been
met.
SECTION 8.4. ADVANCED EXPENSES. Expenses incurred in defending a
civil or criminal action, suit or proceeding may be paid by the Bank in advance
of the final disposition of such action, suit or proceeding if authorized in
accordance with Section 8.3. of these By-Laws. All expenses incurred in
defending a civil or criminal action which are advanced by the Bank shall be
repaid if the director, officer or employee shall have been ultimately found
not to be entitled to indemnification, or where indemnification is granted, to
the extent the expenses advanced by the Bank or allowed by the Court exceed the
indemnification to which said person is entitled.
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26
SECTION 8.5. SHAREHOLDER NOTICE. If any indemnification, advancement
or allowance has been made pursuant to these By-Laws, notice shall be given at
the next annual meeting of shareholders of the persons paid, the amounts paid,
and the nature and status at the time of the payment of the proceeding or
threatened proceeding.
SECTION 8.6. INSURANCE. The Bank shall purchase insurance coverage
for the purpose of indemnifying its directors, officers, and employees. Said
insurance shall be for such terms, and in such amounts as may be approved by
the Board from time to time. Such insurance shall not insure the directors,
officers, and employees against a final supervisory order assessing civil money
penalties.
ARTICLE IX
MISCELLANEOUS PROVISIONS
SECTION 9.1. BANKING HOURS. The Bank shall be open for business
during such hours and on such days of the year as the Board or the Chief
Executive Officer of the Bank shall direct, except for days declared or
designated as bank holidays by proper Federal or State authority; such business
days and hours may vary or differ as between any of the Bank's various branches
or departments.
SECTION 9.2. FISCAL YEAR. The fiscal year of the Bank shall be the
calendar year.
SECTION 9.3. SECURITIES OF OTHER CORPORATIONS. Unless otherwise
provided by the Board, the Chairman of the Board, any Vice Chairman, the
President, any Vice President, the Cashier, or any Trust Officer, may from time
to time appoint an attorney or attorneys or agent or agents of the Bank, in the
name and on behalf of the Bank (whether in a trust capacity or not) to cast the
votes which the Bank may be entitled to cast as a shareholder or otherwise in
any other corporation, any of whose stock or securities may be registered in
the name of the Bank, or in the name of the Bank's nominee, at meetings of the
holders of the stock or other securities of such other corporation, or to
consent in writing to any action by any such other corporation, and may
instruct the person or persons so appointed as to the manner of casting such
votes of giving such consent, and may execute or cause to be executed on behalf
of the Bank and under its corporate seal, or otherwise, such written proxies,
consents, waivers of other instruments as he may deem necessary or proper in
the premises; or any such officer may consent in writing to any action by any
such other corporation or himself attend any meeting of the holders of
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27
stock or other securities of any such other corporation and there at vote or
exercise any or all other powers of the Bank as the holder of such stock or
other securities of such other corporation.
SECTION 9.4. DIVIDENDS. Dividends (which may be designated by the
Board as Special Dividends) may be declared from time to time by the Board of
Directors when funds are lawfully available for the purpose. Such declaration
shall fix the date of payment of the dividend and the date on which
shareholders of record are to be determined for the purpose of such payment,
but the stock transfer books shall not be closed at any time for the purpose of
declaring or paying a dividend.
SECTION 9.5. EXECUTION OF INSTRUMENTS. All agreements, contracts,
indentures, mortgages, deeds, conveyances, transfers, certificates,
declarations, receipts, discharges, releases, satisfactions, settlements,
petitions, schedules, accounts, affidavits, bonds, undertakings, proxies and
other instruments or documents may be signed, executed, acknowledged, verified,
delivered or accepted on behalf of the Bank by the Chairman of the Board, any
Vice Chairman of the Board, the President, the Cashier, the Secretary, any
Executive Vice President, Senior Vice President, or, if in connection with the
exercise of fiduciary powers of the Bank, by any of said officers or by any
Trust Officer. Any such instruments may also be executed, acknowledged,
verified, delivered or accepted on behalf of the Bank in such other manner and
by such others as the Board may from time to time direct. The provisions of
this Section 9.5. are supplementary to other provisions of these By-Laws.
SECTION 9.6. RECORDS. The Articles of Association, the By-Laws and
the proceedings of all meetings of the shareholders, the Board and the standing
committees of the Board, shall be recorded in appropriate minute books provided
for the purpose. The minutes of each meeting shall be signed by the Secretary
of the meeting.
SECTION 9.7. GENDER. When used herein, the masculine gender shall
include the feminine.
ARTICLE X
WAIVER OF NOTICE
SECTION 10.1. WAIVER OF NOTICE. Unless otherwise provided by law,
whenever any notice is required to be given to any shareholder or director, or
member of any Committee of the Bank
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under the provisions of these By-Laws, a waiver thereof in writing, signed by
the person or persons entitled to such notice, whether before or after the time
stated therein, shall be deemed equivalent to the giving of such notice.
ARTICLE XI
BY-LAWS
SECTION 11.1. INSPECTION. A copy of the By-Laws, with all
amendments thereto, shall at all times be kept in a convenient place at the
Main Office of the Bank, and shall be open for inspection to all shareholders,
during banking hours.
SECTION 11.2. AMENDMENTS. The By-Laws may be amended, altered or
repealed, at any regular meeting of the Board or at any special meeting called
for the purpose, by a vote of a majority of the Directors then in office.
ARTICLE XII
TRUST GROUP
SECTION 12.1. TRUST GROUP. There shall be a group of the Bank known
as the Trust Group which shall perform the fiduciary responsibilities of the
Bank.
SECTION 12.2. TRUST OFFICERS. The Board shall appoint one or more
officers in the Trust Group as trust officers although the individual officers
may have other officer titles consistent with the Bank's policy relating to
officer titles. One of the trust officers shall be designated as the Trust
Manager to manage, supervise and direct all of the activities of the Trust
Group, subject to the supervision of the Bank's Trust Committee and the Board.
Subject to such supervision and authority, he shall do, or cause to be done,
all things necessary or proper in carrying on the business of the Trust Group
in accordance with provisions of law and applicable regulations. He shall act
pursuant to opinion of counsel where such opinion is deemed necessary. Opinions
of counsel shall be retained on file in connection with all important matters
pertaining to fiduciary activities. Such Trust Manager shall be responsible
for all assets and documents held by the bank in connection with fiduciary
matters. Another of the trust officers shall be designated as Trust Counsel to
review and render advice to trust personnel on trust instruments, laws and
regulatory matters affecting the Trust Group, certify Fiduciary Resolutions,
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serve as Secretary of the Trust Committee and the Investment Review Committee,
and perform such other duties as may be assigned to him by the Trust Manager or
the Trust Committee from time to time, where not inconsistent with
responsibilities otherwise assigned to the General Counsel, or the Legal
Division.
SECTION 12.3. TRUST COMMITTEE. There shall be a Trust Committee of
the Board which shall consist of the Chairman of the Bank and such other
directors and officers as may be elected thereto by the Board. The Trust
Committee shall develop general polcies for conducting the trust business of
the Bank, and policies and procedures concerning the investment and disposition
of property held in a fiduciary capacity, and generally review the operations
of the Trust Group in all of its trust, investment management, and other
fiduciary capacities, including compliance by the Trust Group with laws and
regulations applicable to fiduciary powers of national banks and collective
investment funds, and shall keep minutes of all its meetings showing the
disposition of all matters considered and passed upon by it. The Board of
Directors of the Bank, or the Trust Committee may appoint such subcommittees as
either may deem necessary or appropriate.
SECTION 12.4. TRUST AUDIT COMMITTEE. The Trust Audit Committee shall
be the Committee appointed under Section 3.2. of these By-Laws and shall, at
least once during each calendar year and within fifteen months of the last such
audit make suitable audits of the Trust Group of cause suitable audits to be
made, and at such time shall ascertain whether the group has been administered
in accordance with law, Regulation 9, and sound fiduciary principles. The
auditors of the affairs of the Trust Group shall be responsible only to the
Board.
SECTION 12.5. TRUST GROUP FILES. There shall be maintained in the
Trust Group files containing all fiduciary records necessary to assure that its
fiduciary responsibilities have been properly undertaken and discharged.
SECTION 12.6. TRUST INVESTMENT. Funds held in a fiduciary or
similar capacity shall be invested in accordance with the instrument
establishing the fiduciary or other relationship and law as applicable.
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EXHIBIT 6
THE CONSENTS OF UNITED STATES INSTITUTIONAL TRUSTEES
REQUIRED BY SECTION 321(b) OF THE ACT
31
CONSENT OF TRUSTEE
Pursuant to the requirements of Section 321(b) of the Trust Indenture
Act of 1939 in connection with the proposed issue of 6.0% Senior Subordinated
Convertible Debentures Due 2000, of National HealthCare L.P., we hereby consent
that reports of examinations by federal, state, territorial or district
authorities may be furnished by such authorities to the Securities and Exchange
Commission upon request therefor.
FIRST AMERICAN NATIONAL BANK
BY: /s/ Brenda Landers
-------------------------
Brenda Landers
Vice President
Dated: August 25, 1995
32
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
33
Board of Governors of the Federal Reserve System
OMB Number: 7100-0036
Federal Deposit Insurance Corporation
OMB Number: 3064-0052
Office of the Comptroller of the Currency
OMB Number: 1557-0081
FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL Expires March 31, 1996
- -------------------------------------------------------------------------------------------------------------------------
[1]
[LOGO] Please refer to page i,
Table of Contents, for
the required disclosure
of estimated burden.
- -------------------------------------------------------------------------------------------------------------------------
CONSOLIDATED REPORTS OF CONDITION AND INCOME FOR
A BANK WITH DOMESTIC AND FOREIGN OFFICES - FFIEC 031
(950630)
-----------
REPORT AT THE CLOSE OF BUSINESS JUNE 30, 1995 (RCRI 9999)
This report is required by law: 12 U.S.C. Section 324 (State This report form is to be filed by banks with
member banks); 12 U.S.C. Section 1817 (State nonmember branches and consolidated subsidiaries in U.S.
banks); and 12 U.S.C. Section 161 (National banks). territories and possessions, Edge or Agreement
subsidiaries, foreign branches, consolidated
foreign subsidiaries, or International Banking
Facilities.
- -------------------------------------------------------------------------------------------------------------------------
NOTE: The Reports of Condition and Income must be signed by The Reports of Condition and Income are to be
an authorized officer and the Report of Condition must be prepared in accordance with Federal regulatory
attested to by not less than two directors (trustees) for authority instructions. NOTE: These instructions may
State nonmember banks and three directors for State member in some cases differ from generally accepted
and National banks. accounting principles.
I, M. Jack Vannatta, Controller We, the undersigned directors (trustees), attest to
-------------------------------------------------------- the correctness of this Report of Condition
Name and Title of Officer Authorized to Sign Report (including the supporting schedules) and declare that
it has been examined by us and to the best of our
of the named bank do hereby declare that these Reports of knowledge and belief has been prepared in conformance
Condition and Income (including the supporting schedules) with the instructions issued by the appropriate
have been prepared in conformance with the instructions Federal regulatory authority and is true and correct.
issued by the appropriate Federal regulatory authority and
are true to the best of my knowledge and belief. /s/ Robert A. McCabe, Jr.
---------------------------------------------------------
Director (Trustee)
/s/ M. Jack Vannatta, Controller
- ------------------------------------------------------------- /s/ Dennis C. Bottorff
Signature of Officer Authorized to Sign Report ---------------------------------------------------------
Director (Trustee)
July 25, 1995 /s/ David K. Wilson
- ------------------------------------------------------------- ---------------------------------------------------------
Date of Signature Director (Trustee)
- -------------------------------------------------------------------------------------------------------------------------
FOR BANKS SUBMITTING HARD COPY REPORT FORMS:
STATE MEMBER BANKS: Return the original and one copy to the NATIONAL BANKS: Return the original only in the
appropriate Federal Reserve District Bank. special return address envelope provided. If express
mail is used in lieu of the special return address
STATE NONMEMBER BANKS: Return the original only in the envelope, return the original only to the FDIC, c/o
special return address envelope provided. If express mail is Quality Data Systems, 2127 Espey Court, Suite 204,
used in lieu of the special return address envelope, return Crofton, MD 21114.
the original only to the FDIC, c/o Quality Data Systems,
2127 Espey Court, Suite 204, Crofton, MD 21114.
- -------------------------------------------------------------------------------------------------------------------------
FDIC Certificate Number 04956 Banks should affix the address label in this space.
---------
(RCRI 9050) First American National Bank
---------------------------------------------------------
Legal Title of Bank (TEXT 9010)
Nashville
---------------------------------------------------------
City (TEXT 9130)
TN 37237
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State Abbrev. (TEXT 9200) ZIP Code (TEXT 9220)
Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency
34
FFIEC 031
Page i
[2]
Consolidated Reports of Condition and Income for
A Bank With Domestic and Foreign Offices
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TABLE OF CONTENTS
SIGNATURE PAGE COVER REPORT OF CONDITION
REPORT OF INCOME
Schedule RI--Income Statement . . . . . . . . . . RI-1, 2, 3 Schedule RC--Balance Sheet . . . . . . . . . RC-1, 2
Schedule RI-A--Changes in Equity Capital . . . . . . . RI-4 Schedule RC-A--Cash and Balances Due
Schedule RI-B--Charge-offs and Recoveries and From Depository Institutions . . . . . . . . RC-3
Changes in Allowance for Loan and Lease Schedule RC-B--Securities . . . . . . . . RC-3, 4, 5
Losses . . . . . . . . . . . . . . . . . . . . . RI-4, 5 Schedule RC-C--Loans and Lease Financing
Schedule RI-C--Applicable Income Taxes by Receivables:
Taxing Authority . . . . . . . . . . . . . . . . . . RI-5 Part I. Loans and Leases . . . . . . . . . RC-6, 7
Schedule RI-D--Income from Part II. Loans to Small Businesses and
International Operations . . . . . . . . . . . . . . RI-6 Small Farms (included in the forms for
Schedule RI-E--Explanations . . . . . . . . . . . . RI-7, 8 June 30 only) . . . . . . . . . . . . . RC-7a, 7b
Schedule RC-D--Trading Assets and Liabilities
(to be completed only by selected banks) . . RC-8
Schedule RC-E--Deposit Liabilities . . RC-9, 10, 11
Schedule RC-F--Other Assets . . . . . . . . . . RC-11
Schedule RC-G--Other Liabilities . . . . . . . RC-11
Schedule RC-H--Selected Balance Sheet Items
for Domestic Offices . . . . . . . . . . . . RC-12
Schedule RC-I--Selected Assets and Liabilities
Disclosure of Estimated Burden of IBFs . . . . . . . . . . . . . . . . . . . RC-13
Schedule RC-K--Quarterly Averages . . . . . . . RC-13
The estimated average burden associated with this Schedule RC-L--Off-Balance Sheet
information collection is 31.6 hours per respondent and is Items . . . . . . . . . . . . . . . . RC-14, 15, 16
estimated to vary from 15 to 225 hours per response, Schedule RC-M--Memoranda . . . . . . . . . RC-17, 18
depending on individual circumstances. Burden estimates Schedule RC-N--Past Due and Nonaccrual
include the time for reviewing instructions, gathering and Loans, Leases, and Other Assets . . . . . RC-19, 20
maintaining data in the required form, and completing the Schedule RC-O--Other Data for Deposit
information collection, but exclude the time for compiling Insurance Assessments . . . . . . . . . . RC-21, 22
and maintaining business records in the normal course of a Schedule RC-R--Risk-Based Capital . . . . . RC-23, 24
respondent's activities. Comments concerning the accuracy of Optional Narrative Statement Concerning the
this burden estimate and suggestions for reducing this Amounts Reported in the Reports
burden should be directed to the Office of Information and of Condition and Income . . . . . . . . . . . RC-25
Regulatory Affairs, Office of Management and Budget,
Washington, D.C. 20503, and to one of the following: SPECIAL REPORT (TO BE COMPLETED BY ALL BANKS)
Secretary Schedule RC-J--Repricing Opportunities (sent only to
Board of Governors of the Federal Reserve System and to be completed only by savings banks)
Washington, D.C. 20551
Legislative and Regulatory Analysis Division
Office of the Comptroller of the Currency
Washington, D.C. 20219
Assistant Executive Secretary
Federal Deposit Insurance Corporation
Washington, D.C. 20429
For information or assistance, National and State nonmember banks should contact the FDIC's Call Reports Analysis
Unit, 550 17th Street, NW, Washington D.C. 20429, toll free on (800) 688-FDIC (3342), Monday through Friday between
8:00 a.m. and 5:00 p.m., Eastern time. State member banks should contact their Federal Reserve District Bank.
35
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RI-1
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
CONSOLIDATED REPORT OF INCOME
FOR THE PERIOD JANUARY 1, 1995 - JUNE 30, 1995
All Report of Income schedules are to be reported on a calendar year-to-date
basis in thousands of dollars.
SCHEDULE RI--INCOME STATEMENT
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I480 <-
------------------
Dollar Amounts in Thousands RIAD Bil Mil Thou
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1. Interest income:
a. Interest and fee income on loans:
(1) In domestic offices:
(a) Loans secured by real estate............................................... 4011 95,728 1.a.(1)(a)
(b) Loans to depository institutions........................................... 4019 413 1.a.(1)(b)
(c) Loans to finance agricultural production and other loans to farmers........ 4024 228 1.a.(1)(c)
(d) Commercial and industrial loans............................................ 4012 51,573 1.a.(1)(d)
(e) Acceptances of other banks................................................. 4026 5 1.a.(1)(e)
(f) Loans to individuals for household, family, and other personal expenditures:
(1) Credit cards and related plans......................................... 4054 3,700 1.a.(1)(f)(1)
(2) Other.................................................................. 4055 36,960 1.a.(1)(f)(2)
(g) Loans to foreign governments and official institutions..................... 4056 0 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 2,949 1.a.(1)(h)(2)
(i) All other loans in domestic offices........................................ 4058 9,092 1.a.(1)(i)
(2) In foreign offices, Edge and Agreement subsidiaries, and IBFs.................. 4059 0 1.a.(2)
b. Income from lease financing receivables:
(1) Taxable leases................................................................. 4505 5,292 1.b.(1)
(2) Tax-exempt leases.............................................................. 4307 59 1.b.(2)
c. Interest income on balances due from depository institutions:(1)
(1) In domestic offices............................................................ 4105 15 1.c.(1)
(2) In foreign offices, Edge and Agreement subsidiaries, and IBFs.................. 4106 129 1.c.(2)
d. Interest and dividend income on securities:
(1) U.S. Treasury securities and U.S. Government agency and corporation
obligations.................................................................... 4027 57,238 1.d.(1)
(2) Securities issued by states and political subdivisions in the U.S.:
(a) Taxable securities......................................................... 4506 57 1.d.(2)(a)
(b) Tax-exempt securities...................................................... 4507 174 1.d.(2)(b)
(3) Other domestic debt securities................................................. 3657 5,706 1.d.(3)
(4) Foreign debt securities........................................................ 3658 29 1.d.(4)
(5) Equity securities (including investments in mutual funds)...................... 3659 897 1.d.(5)
e. Interest income from trading assets................................................ 4069 611 1.e.
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(1) Includes interest income on time certificates of deposit not held for
trading.
3
36
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RI-2
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
SCHEDULE RI--CONTINUED
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Dollar Amounts in Thousands Year-to-date
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1. Interest income (continued) RIAD Bil Mil Thou
f. Interest income on federal funds sold and securities purchased under
agreements to resell in domestic offices of the bank and of its Edge
and Agreement subsidiaries, and in IBFs.................................. 4020 1,743 1.f.
g. Total interest income (sum of items 1.a through 1.f)..................... 4107 272,598 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 7,236 2.a.(1)(a)
(b) Nontransaction accounts:
(1) Money market deposit accounts (MMDAs)...................... 4509 37,455 2.a.(1)(b)(1)
(2) Other savings deposits..................................... 4511 3,994 2.a.(1)(b)(2)
(3) Time certificates of deposit of $100,000 or more........... 4174 13,001 2.a.(1)(b)(3)
(4) All other time deposits.................................... 4512 34,018 2.a.(1)(b)(4)
(2) Interest on deposits in foreign offices, Edge and Agreement
subsidiaries, and IBFs............................................. 4172 1,917 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 22,354 2.b.
c. Interest on demand notes issued to the U.S. Treasury, trading
liabilities, and other borrowed money.................................. 4185 10,014 2.c.
d. Interest on mortgage indebtedness and obligations under
capitalized leases..................................................... 4072 42 2.d.
e. Interest on subordinated notes and debentures.......................... 4200 0 2.e.
f. Total interest expense (sum of items 2.a through 2.e).................. 4073 130,031 2.f.
3. Net interest income (item 1.g minus 2.f).................................... RIAD 4074 142,567 3.
4. Provisions:
a. Provision for loan and lease losses.................................... RIAD 4230 0 4.a.
b. Provision for allocated transfer risk.................................. RIAD 4243 0 4.b.
5. Noninterest income:
a. Income from fiduciary activities....................................... 4070 0 5.a.
b. Service charges on deposit accounts in domestic offices................ 4080 22,099 5.b.
c. Trading gains (losses) and fees from foreign exchange transactions..... 4075 374 5.c.
d. Other foreign transaction gains (losses)............................... 4076 122 5.d.
e. Other gains (losses) and fees from trading assets and liabilities...... 4077 418 5.e.
f. Other noninterest income:
(1) Other fee income................................................... 5407 17,284 5.f.(1)
(2) All other noninterest income*...................................... 5408 6,464 5.f.(2)
g. Total noninterest income (sum of items 5.a through 5.f)................ RIAD 4079 46,761 5.g.
6. a. Realized gains (losses) on held-to-maturity securities................. RIAD 3521 (675) 6.a.
b. Realized gains (losses) on available-for-sale securities............... RIAD 3196 1,029 6.b.
7. Noninterest expense:
a. Salaries and employee benefits......................................... 4135 64,468 7.a.
b. Expenses of premises and fixed assets (net of rental income)
(excluding salaries and employee benefits and mortgage interest)....... 4217 17,052 7.b.
c. Other noninterest expense*............................................. 4092 34,706 7.c.
d. Total noninterest expense (sum of items 7.a through 7.c)............... RIAD 4093 116,226 7.d.
8. Income (loss) before income taxes and extraordinary items and other
adjustments (item 3 plus or minus items 4.a, 4.b, 5.g, 6.a, 6.b, and 7.d)... RIAD 4301 73,456 8.
9. Applicable income taxes (on item 8)......................................... RIAD 4302 26,922 9.
10. Income (loss) before extraordinary items and other adjustments
(item 8 minus 9)............................................................ RIAD 4300 46,534 10.
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*Describe on Schedule RI-E--Explanations.
4
37
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RI-3
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
SCHEDULE RI--CONTINUED
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Year-to-date
--------------------
Dollar Amounts in Thousands RIAD Bil Mil Thou
- -----------------------------------------------------------------------------------------
11. Extraordinary items and other adjustments:
a. Extraordinary items and other adjustments,
gross of income taxes*.................................. 4310 0 11.a.
b. Applicable income taxes (on item 11.a)*.................. 4315 0 11.b.
c. Extraordinary items and other adjustments, net of income ------------------
taxes (item 11.a minus 11.b)............................. RIAD 4320 0 11.c.
12. Net income (loss) (sum of items 10 and 11.c).................. RIAD 4340 46,534 12.
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I481 <-
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Memoranda Year-to-date
----------------------
Dollar Amounts in Thousands RIAD Bil Mil Thou
- --------------------------------------------------------------------------------------------------------------
1. Interest expense incurred to carry tax-exempt securities, loans, and leases
acquired after August 7, 1986, that is not deductible for federal income
tax purposes.................................................................... 4513 237 M.1.
2. Income from the sale and servicing of mutual funds and annuities in domestic
offices (included in Schedule RI, item 8)....................................... 8431 2,866 M.2.
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 1,514 M.4.
5. Number of full-time equivalent employees on payroll at end of current Number
period (round to nearest whole number).......................................... 4150 3,115 M.5.
6. Not applicable
7. If the reporting bank has restated its balance sheet as a result of applying
push down accounting this calendar year, report the date of the bank's MM DD YY
acquisition..................................................................... 9106 00/00/00 M.7.
8. Trading revenue (from cash instruments and off-balance sheet derivative
instruments) (included in Schedule RI, items 5.c and 5.e): Bil Mil Thou
a. Interest rate exposures...................................................... 8757 47 M.8.a.
b. Foreign exchange exposures................................................... 8758 374 M.8.b.
c. Equity security and index exposures.......................................... 8759 0 M.8.c.
d. Commodity and other exposures................................................ 8760 0 M.8.d.
9. Impact on income of off-balance sheet derivatives held for purposes other than
trading:
a. Net increase (decrease) to interest income................................... 8761 1,303 M.9.a.
b. Net (increase) decrease to interest expense.................................. 8762 1,147 M.9.b.
c. Other (noninterest) allocations.............................................. 8763 0 M.9.c.
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*Describe on Schedule RI-E--Explanations.
5
38
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RI-4
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
SCHEDULE RI-A--CHANGES IN EQUITY CAPITAL
Indicate decreases and losses in parentheses.
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I483 <-
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Dollar Amounts in Thousands RIAD Bil Mil Thou
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1. Total equity capital originally reported in the December 31, 1994, Reports of
Condition and Income.............................................................. 3215 554,886 1.
2. Equity capital adjustments from amended Reports of Income, net*................... 3216 0 2.
3. Amended balance end of previous calendar year (sum of items 1 and 2).............. 3217 554,886 3.
4. Net income (loss) (must equal Schedule RI, item 12)............................... 4340 46,534 4.
5. Sale, conversion, acquisition, or retirement of capital stock, net................ 4346 0 5.
6. Changes incident to business combinations, net.................................. 4356 0 6.
7. LESS: Cash dividends declared on preferred stock.................................. 4470 0 7.
8. LESS: Cash dividends declared on common stock..................................... 4460 12,204 8.
9. Cumulative effect of changes in accounting principles from prior years* (see
instructions for this schedule)................................................... 4411 0 9.
10. Corrections of material accounting errors from prior years* (see instructions
for this schedule)................................................................ 4412 0 10.
11. Change in net unrealized holding gains (losses) on available-for-sale
securities........................................................................ 8433 12,812 11.
12. Foreign currency translation adjustments.......................................... 4414 0 12.
13. Other transactions with parent holding company* (not included in items 5, 7, or
8 above).......................................................................... 4415 0 13.
14. Total equity capital end of current period (sum of items 3 through 13) (must
equal Schedule RC, item 28)....................................................... 3210 602,028 14.
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* Describe on Schedule RI-E -- Explanations.
SCHEDULE RI-B -- CHARGE-OFFS AND RECOVERIES AND CHANGES IN ALLOWANCE FOR LOAN
AND LEASE LOSSES
PART I. CHARGE-OFFS AND RECOVERIES ON LOANS AND LEASES
Part I excludes charge-offs and recoveries through
the allocated transfer risk reserve.
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I486 <-
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(Column A) (Column B)
Charge-offs Recoveries
--------------------------------------
Calendar year-to-date
--------------------------------------
Dollar Amounts in Thousands RIAD Bil Mil Thou RIAD Bil Mil Thou
- ---------------------------------------------------------------------------------------------------------------
1. Loans secured by real estate:
a. To U.S. addressees (domicile).................................... 4651 419 4661 1,097 1.a.
b. To non-U.S. addressees (domicile)................................ 4652 0 4662 0 1.b.
2. Loans to depository institutions and acceptances of other banks:
a. To U.S. banks and other U.S. depository institutions............. 4653 0 4663 0 2.a.
b. To foreign banks................................................. 4654 0 4664 0 2.b.
3. Loans to finance agricultural production and other loans to
farmers............................................................. 4655 0 4665 24 3.
4. Commercial and industrial loans:
a. To U.S. addressees (domicile).................................... 4645 646 4617 1,554 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 760 4666 198 5.a.
b. Other (includes single payment, installment, and all student
loans)........................................................... 4657 5,259 4667 3,639 5.b.
6. Loans to foreign governments and official institutions.............. 4643 0 4627 0 6.
7. All other loans..................................................... 4644 385 4628 349 7.
8. Lease financing receivables:
a. Of U.S. addressees (domicile).................................... 4658 0 4668 18 8.a.
b. Of non-U.S. addressees (domicile)................................ 4659 0 4669 0 8.b.
9. Total (sum of items 1 through 8).................................... 4635 7,479 4605 6,924 9.
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6
39
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RI-5
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
SCHEDULE RI-B--CONTINUED
PART I. CONTINUED
Memoranda
------------------------------------
(Column A) (Column B)
Charge-offs Recoveries
------------------------------------
Calendar year-to-date
------------------------------------
Dollar Amounts in Thousands RIAD Bil Mil Thou RIAD Bil Mil Thou
- ----------------------------------------------------------------------------------------------------------------
1-3. Not applicable.
4. Loans to finance commercial real estate, construction, and land
development activities (not secured by real estate) included in
Schedule RI-B, part I, items 4 and 7, above....................... 5409 0 5410 59 M.4.
5. Loans secured by real estate in domestic offices (included in
Schedule RI-B, part 1, item 1, above):
a. Construction and land development................................ 3582 124 3583 32 M.5.a.
b. Secured by farmland.............................................. 3584 2 3585 112 M.5.b.
c. Secured by 1-4 family residential properties:
(1) Revolving, open-end loans secured by 1-4 family residential
properties and extended under lines of credit................ 5411 33 5412 55 M.5.c.(1)
(2) All other loans secured by 1-4 family residential
properties................................................... 5413 156 5414 592 M.5.c.(2)
d. Secured by multifamily (5 or more) residential properties........ 3588 0 3589 0 M.5.d.
e. Secured by nonfarm nonresidential properties..................... 3590 104 3591 306 M.5.e.
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PART II. CHANGES IN ALLOWANCE FOR LOAN AND LEASE LOSSES
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Dollar Amounts in Thousands RIAD Bil Mil Thou
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1. Balance originally reported in the December 31, 1994, Reports of Condition and Income........ 3124 125,911 1.
2. Recoveries (must equal part I, item 9, column B above)....................................... 4605 6,924 2.
3. LESS: Charge-offs (must equal part I, item 9, column A above)................................ 4635 7,479 3.
4. Provision for loan and lease losses (must equal Schedule RI, item 4.a)....................... 4230 0 4.
5. Adjustments * (see instructions for this schedule)........................................... 4815 0 5.
6. Balance end of current period (sum of items 1 through 5) (must equal Schedule RC,
item 4.b).................................................................................. 3123 125,356 6.
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Describe on Schedule RI-E -- Explanations.
SCHEDULE RI-C -- APPLICABLE INCOME TAXES BY TAXING AUTHORITY
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Schedule RI-C is to be reported with the December Report of Income. I489 <-
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Dollar Amounts in Thousands RIAD Bil Mil Thou
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1. Federal...................................................................................... 4780 N/A 1.
2. State and local.............................................................................. 4790 N/A 2.
3. Foreign...................................................................................... 4795 N/A 3.
4. Total (sum of items 1 through 3) (must equal sum of Schedule RI, items 9 and 11.b)........... 4770 N/A 4.
-----------------
5. Deferred portion of item 4................................................. RIAD 4772 N/A 5.
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7
40
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RI-6
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
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
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I492 <-
------------
Year-to-date
-------------------------
Dollar Amounts in Thousands RIAD Bil Mil Thou
- ----------------------------------------------------------------------------------------------------------------------------
1. Interest income and expense booked at foreign offices, Edge and Agreement
subsidiaries, and IBFs:
a. Interest income booked .................................................................... 4837 N/A 1.a.
b. Interest expense booked ................................................................... 4838 N/A 1.b.
c. Net interest income booked at foreign offices, Edge and Agreement subsidiaries,
and IBFs (item 1.a minus 1.b) ............................................................. 4839 N/A 1.c.
2. Adjustments for booking location of international operations:
a. Net interest income attributable to international operations booked at domestic offices ... 4840 N/A 2.a.
b. Net interest income attributable to domestic business booked at foreign offices ........... 4841 N/A 2.b.
c. Net booking location adjustment (item 2.a minus 2.b) ...................................... 4842 N/A 2.c.
3. Noninterest income and expense attributable to international operations:
a. Noninterest income attributable to international operations ............................... 4097 N/A 3.a.
b. Provision for loan and lease losses attributable to international operations .............. 4235 N/A 3.b.
c. Other noninterest expense attributable to international operations ........................ 4239 N/A 3.c.
d. Net noninterest income (expense) attributable to international operations (item 3.a minus
3.b and 3.c)............................................................................... 4843 N/A 3.d.
4. Estimated pretax income attributable to international operations before capital allocation
adjustment (sum of items 1.c, 2.c, and 3.d) .................................................. 4844 N/A 4.
5. Adjustment to pretax income for internal allocations to international operations to reflect
the effects of equity capital on overall bank funding costs .................................. 4845 N/A 5.
6. Estimated pretax income attributable to international operations after capital allocation
adjustment (sum of items 4 and 5) ............................................................ 4846 N/A 6.
7. Income taxes attributable to income from international operations as estimated in item 6 ..... 4797 N/A 7.
8. Estimated net income attributable to international operations (item 6 minus 7) ............... 4341 N/A 8.
-------------------------
Memoranda
-------------------------
Dollar Amounts in Thousands RIAD Bil Mil Thou
- ----------------------------------------------------------------------------------------------------------------------------
1. Intracompany interest income included in item 1.a above ...................................... 4847 N/A M.1.
2. Intracompany interest expense included in item 1.b above ..................................... 4848 N/A M.2.
-------------------------
PART II. SUPPLEMENTARY DETAILS ON INCOME FROM INTERNATIONAL OPERATIONS REQUIRED
BY THE DEPARTMENTS OF COMMERCE AND TREASURY FOR PURPOSES OF THE U.S.
INTERNATIONAL ACCOUNTS AND THE U.S. NATIONAL INCOME AND PRODUCT ACCOUNTS
------------
Year-to-date
-------------------------
Dollar Amounts in Thousands RIAD Bil Mil Thou
- ----------------------------------------------------------------------------------------------------------------------------
1. Interest income booked at IBFs ............................................................... 4849 N/A 1.
2. Interest expense booked at IBFs............................................................... 4850 N/A 2.
3. Noninterest income attributable to international operations booked at domestic offices
(excluding IBFs):
a. Gains (losses) and extraordinary items .................................................... 5491 N/A 3.a.
b. Fees and other noninterest income ......................................................... 5492 N/A 3.b.
4. Provision for loan and lease losses attributable to international operations booked at
domestic offices (excluding IBFs) ............................................................ 4852 N/A 4.
5. Other noninterest expense attributable to international operations booked at domestic
offices (excluding IBFs) ..................................................................... 4853 N/A 5.
-------------------------
8
41
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RI-7
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
SCHEDULE RI-E--EXPLANATIONS
Schedule RI-E is to be completed each quarter on a calendar year-to-date basis.
Detail all adjustments in Schedule RI-A and RI-B, all extraordinary items and
other adjustments in Schedule RI, and all significant items of other noninterest
income and other noninterest expense in Schedule RI. (See instructions for
details.)
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I495 <-
------------
Year-to-date
-----------------
Dollar Amounts in Thousands RIAD Bil Mil Thou
- ----------------------------------------------------------------------------------------------------------
1. All other noninterest income (from Schedule RI, item 5.f.(2))
Report amounts that exceed 10% of Schedule RI, item 5.f.(2):
a. Net gains on other real estate owned............................................ 5415 3,278 1.a.
b. Net gains on sales of loans..................................................... 5416 0 1.b.
c. Net gains on sales of premises and fixed assets................................. 5417 0 1.c.
Itemize and describe the three largest other amounts that exceed 10% of Schedule
RI, item 5.f.(2):
d. TEXT 4461: Rebate official checks-AMEX.......................................... 4461 1,013 1.d.
e. TEXT 4462: Vendor incentives.................................................... 4462 859 1.e.
f. TEXT 4463: ..................................................................... 4463 1.f.
2. Other noninterest expense (from Schedule RI, item 7.c):
a. Amortization expense of intangible assets....................................... 4531 1,319 2.a.
Report amounts that exceed 10% of Schedule RI, item 7.c:
b. Net losses on other real estate owned........................................... 5418 0 2.b.
c. Net losses on sales of loans.................................................... 5419 0 2.c.
d. Net losses on sales of premises and fixed assets................................ 5420 0 2.d.
Itemize and describe the three largest other amounts that exceed 10% of Schedule
RI, item 7.c:
e. TEXT 4464: Systems & processing expense......................................... 4464 5,069 2.e.
f. TEXT 4467: FDIC assessments..................................................... 4467 6,162 2.f.
g. TEXT 4468: ..................................................................... 4468 2.g.
3. Extraordinary items and other adjustments (from Schedule RI, item 11.a) and
applicable income tax effect (from Schedule RI, item 11.b) (itemize and describe
all extraordinary items and other adjustments):
a. (1) TEXT 4469: .................................................................. 4469 3.a.(1)
(2) Applicable income tax effect..................... RIAD 4486 3.a.(2)
b. (1) TEXT 4487: .................................................................. 4487 3.b.(1)
(2) Applicable income tax effect..................... RIAD 4488 3.b.(2)
c. (1) TEXT 4489: .................................................................. 4489 3.c.(1)
(2) Applicable income tax effect..................... RIAD 4491 3.c.(2)
4. Equity capital adjustments from amended Reports of Income (from Schedule RI-A,
item 2) (itemize and describe all adjustments):
a. TEXT 4492: ..................................................................... 4492 4.a.
b. TEXT 4493: ..................................................................... 4493 4.b.
5. Cumulative effect of changes in accounting principles from prior years (from
Schedule RI-A, item 9) (itemize and describe all changes in accounting principles):
a. TEXT 4494: ..................................................................... 4494 5.a.
b. TEXT 4495: ..................................................................... 4495 5.b.
6. Corrections of material accounting errors from prior years (from Schedule RI-A,
item 10) (itemize and describe all corrections):
a. TEXT 4496: ..................................................................... 4496 6.a.
b. TEXT 4497: ..................................................................... 4497 6.b.
-----------------
9
42
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RI-8
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
SCHEDULE RI-E--CONTINUED
---------------
Year-to-date
-------------------
Dollar Amounts in Thousands RIAD Bil Mil Thou
- --------------------------------------------------------------------------------------------------------------
7. Other transactions with parent holding company (from Schedule RI-A, item 13)
(itemize and describe all such transactions):
a. TEXT 4498: ....................................................................... 4498 7.a.
b. TEXT 4499: ....................................................................... 4499 7.b.
8. Adjustments to allowance for loan and lease losses (from Schedule RI-B, part
II, item 5) (itemize and describe all adjustments):
a. TEXT 4521: ....................................................................... 4521 8.a.
b. TEXT 4522: ....................................................................... 4522 8.b.
-------------------
I498 I499 <-
-------------------
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: /X/ (RIAD 4769)
Other explanations (please type or print clearly):
(TEXT 4769)
10
43
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-1
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
CONSOLIDATED REPORT OF CONDITION FOR INSURED
COMMERCIAL AND STATE-CHARTERED SAVINGS BANKS FOR JUNE 30, 1995
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 410,613 1.a.
b. Interest bearing balances(2).......................................................... 0071 26,272 1.b.
2. Securities:
a. Held-to-maturity securities (from Schedule RC-B, column A)............................ 1754 1,440,650 2.a.
b. Available-for-sale securities (from Schedule RC-B, column D).......................... 1773 500,815 2.b.
3. Federal funds sold and securiites 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 71,590 3.a.
b. Securities purchased under agreements to resell....................................... 0277 12,215 3.b.
4. Loans and lease financing receivables:
a. Loans and leases, net of unearned income (from Schedule RC-C)... RCFD 2122 5,111,986 4.a.
b. LESS: Allowance for loan and lease losses....................... RCFD 3123 125,356 4.b.
c. LESS: Allocated transfer risk reserve........................... RCFD 3128 0 4.c.
d. Loans and leases, net of unearned income, allowance, and reserve (item 4.a minus 4.b
and 4.c).............................................................................. 2125 4,986,630 4.d.
5. Trading assets (from Schedule RC-D)........................................................ 3545 29,224 5.
6. Premises and fixed assets (including capitalized leases)................................... 2145 107,121 6.
7. Other real estate owned (from Schedule RC-M)............................................... 2150 9,389 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 22,055 9.
10. Intangible assets (from Schedule RC-M)..................................................... 2143 17,365 10.
11. Other assets (from Schedule RC-F).......................................................... 2160 169,311 11.
12. Total assets (sum of items 1 through 11)................................................... 2170 7,803,250 12.
------------------
- ---------------
(1) Includes cash items in process of collection and unposted debits.
(2) Includes time certificates of deposit not held for trading.
11
44
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-2
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
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 5,868,754 13.a.
(1) Noninterest-bearing(1).......................... RCON 6631 1,113,291 13.a.(1)
(2) Interest-bearing................................ RCON 6636 4,755,463 13.a.(2)
b. In foreign offices, Edge and Agreement subsidiaries, and IBFs
from Schedule RC-E, part II)................................................ RCFN 2200 106,047 13.b.
(1) Noninterest-bearing............................. RCFN 6631 0 13.b.(1)
(2) Interest-bearing................................ RCFN 6636 106,047 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 173,647 14.a.
b. Securities sold under agreements to repurchase.............................. RCFD 0279 512,849 14.b.
15. a. Demand notes issued to the U.S. Treasury.................................... RCON 2840 149,963 15.a.
b. Trading liabilities (from Schedule RC-D).................................... RCFD 3548 13,826 15.b.
16. Other borrowed money:
a. With original maturity of one year or less.................................. RCFD 2332 25,369 16.a.
b. With original maturity of more than one year................................ RCFD 2333 200,000 16.b.
17. Mortgage indebtedness and obligations under capitalized leases................. RCFD 2910 1,197 17.
18. Bank's liability on acceptances executed and outstanding....................... RCFD 2920 22,055 18.
19. Subordinated notes and debentures.............................................. RCFD 3200 0 19.
20. Other liabilities (from Schedule RC-G)......................................... RCFD 2930 127,515 20.
21. Total liabilities (sum of items 13 through 20)................................. RCFD 2948 7,201,222 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 75,000 24.
25. Surplus (exclude all surplus related to preferred stock)....................... RCFD 3839 101,476 25.
26. a. Undivided profits and capital reserves...................................... RCFD 3632 426,037 26.a.
b. Net unrealized holding gains (losses) on available-for-sale securities...... RCFD 8434 (485) 26.b.
27. Cumulative foreign currency translation adjustments............................ RCFD 3284 0 27.
28. Total equity capital (sum of items 23 through 27).............................. RCFD 3210 602,028 28.
29. Total liabilities, limited-life preferred stock, and equity capital (sum of
items 21, 22 and 28)........................................................... RCFD 3300 7,803,250 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 1994..................... RCFD 6724 N/A M.1.
-----------------------
1 = Independent audit of the bank conducted in accordance with generally accepted auditing standards by a certified
public accounting firm which submits a report on the bank
2 = Independent audit of the bank's parent holding company conducted in accordance with generally accepted auditing
standards by a certified public accounting firm which submits a report on the consolidated holding company (but
not on the bank separately)
3 = Directors' examination of the bank conducted in accordance with generally accepted auditing standards by a
certified public accounting firm (may be required by state chartering authority)
4 = Directors' examination of the bank performed by other external auditors (may be required by state chartering
authority)
5 = Review of the bank's financial statements by external auditors
6 = Compilation of the bank's financial statements by external auditors
7 = Other audit procedures (excluding tax preparation work)
8 = No external audit work
- ---------------
(1) Includes total demand deposits and noninterest-bearing time and savings
deposits.
12
45
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-3
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
SCHEDULE RC-A--CASH AND BALANCES DUE FROM DEPOSITORY INSTITUTIONS
Exclude assets held for trading.
-------
C405 <-
-------------------------------------------
(Column A) (Column B)
Consolidated Domestic
Bank Offices
-------------------------------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou RCON Bil Mil Thou
- ---------------------------------------------------------------------------------------------------------------------
1. Cash items in process of collection, unposted debits, and
currency and coin.................................................... 0022 396,120 1.
a. Cash items in process of collection and unposted debits........... 0020 293,102 1.a.
b. Currency and coin................................................. 0080 103,018 1.b.
2. Balances due from depository institutions in the U.S................. 0082 6,533 2.
a. U.S. branches and agencies of foreign banks
(including their IBFs)............................................ 0083 0 2.a.
b. Other commercial banks in the U.S. and other depository
institutions in the U.S (including their IBFs).................... 0085 6,533 2.b.
3. Balances due from banks in foreign countries and foreign central
banks................................................................ 0070 1,237 3.
a. Foreign branches of other U.S. banks.............................. 0073 25,526 3.a.
b. Other banks in foreign countries and foreign central banks........ 0074 1,422 3.b.
4. Balances due from Federal Reserve Banks.............................. 0090 7,284 0090 7,284 4.
5. Total (sum of items 1 through 4) (total of column A must equal
Schedule RC, sum of items 1.a and 1.b)............................... 0010 436,885 0010 411,174 5.
-------------------------------------------
------------------
Memorandum Dollar Amounts in Thousands RCON Bil Mil Thou
- ---------------------------------------------------------------------------------------------------------------------
1. Noninterest-bearing balances due from commercial banks in the U.S. (included in item
2, column B above)............................................................................ 0050 5,971 M.1
------------------
SCHEDULE RC-B--SECURITIES
Exclude assets held for trading.
--------
C410 <-
-----------------------------------------------------------------------------
Held-to-maturity Available-for-sale
-----------------------------------------------------------------------------
(Column A) (Column B) (Column C) (Column D)
Amortized Cost Fair Value Amortized Cost Fair Value(1)
-----------------------------------------------------------------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou
- --------------------------------------------------------------------------------------------------------------------
1. U.S. Treasury securities.......... 0211 125,039 0213 123,902 1286 133,336 1287 134,555 1.
2. U.S. Government agency and
corporation obligations (exclude
mortgage-backed securities):
a. Issued by U.S. Government
agencies(2).................... 1289 0 1290 0 1291 0 1293 0 2.a.
b. Issued by U.S. Government-
sponsored agencies(3).......... 1294 90,118 1295 88,902 1297 0 1298 0 2.b.
-----------------------------------------------------------------------------
- ---------------
(1) Includes equity securities without readily determinable fair values at
historical cost in item 6.c, column D.
(2) Includes Small Business Administration "Guaranteed Loan Pool Certificates,"
U.S. Maritime Administration obligations, and Export-Import Bank
participation certificates.
(3) Includes obligations (other than mortgage-backed securities) issued by the
Farm Credit System, the Federal Home Loan Bank System, the Federal Home Loan
Mortgage Corporation, the Federal National Mortgage Association, the
Financing Corporation, Resolution Funding Corporation, the Student Loan
Marketing Association, and the Tennessee Valley Authority.
13
46
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-4
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
SCHEDULE RC-B--CONTINUED
-------------------------------------
Held-to-maturity
-------------------------------------
(Column A) (Column B)
Amortized Cost Fair Value
-------------------------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou RCFD Bil Mil Thou
- ----------------------------------------------------------------------------------------------
3. Securities issued by states and political
subdivisions in the U.S.:
a. General obligations............................. 1676 6,885 1677 6,886
b. Revenue obligations............................. 1681 2,000 1686 1,956
c. Industrial development and similar obligations.. 1694 0 1695 0
4. Mortgage-backed securities (MBS):
a. Pass-through securities:
(1) Guaranteed by GNMA.......................... 1698 117,400 1699 118,401
(2) Issued by FNMA and FHLMC.................... 1703 0 1705 0
(3) Other pass-through securities............... 1709 0 1710 0
b. Other mortgage-backed securities (include CMOs,
REMICs, and stripped MBS):
(1) Issued or guaranteed by FNMA,
FHLMC, or GNMA.............................. 1714 892,896 1715 898,053
(2) Collateralized by MBS issued or guaranteed by
FNMA, FHLMC, or GNMA........................ 1718 2,726 1719 2,824
(3) All other mortgage-backed securities........ 1733 201,536 1734 198,261
5. Other debt securities:
a. Other domestic debt securities.................. 1737 1,025 1738 1,050
b. Foreign debt securities......................... 1742 1,025 1743 1,025
6. Equity securities:
a. Investments in mutual funds.....................
b. Other equity securities with readily determinable
fair values.....................................
c. All other equity securities(1)..................
7. Total (sum of items 1 through 6)(total of column A
must equal Schedule RC, item 2.a) (total of column D
must equal Schedule RC, item 2.b).................. 1754 1,440,650 1771 1,441,260
-------------------------------------
------------------------------------
Available-for-sale
------------------------------------
(Column C) (Column D)
Amortized Cost Fair Value(1)
------------------------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou RCFD Bil Mil Thou
- ---------------------------------------------------------------------------------------------
3. Securities issued by states and political
subdivisions in the U.S.:
a. General obligations............................. 1678 0 1679 0 3.a.
b. Revenue obligations............................. 1690 0 1691 0 3.b.
c. Industrial development and similar obligations.. 1696 0 1697 0 3.c.
4. Mortgage-backed securities (MBS):
a. Pass-through securities:
(1) Guaranteed by GNMA.......................... 1701 0 1702 0 4.a.(1)
(2) Issued by FNMA and FHLMC.................... 1706 0 1707 0 4.a.(2)
(3) Other pass-through securities............... 1711 0 1713 0 4.a.(3)
b. Other mortgage-backed securities (include CMOs,
REMICs, and stripped MBS):
(1) Issued or guaranteed by FNMA,
FHLMC, or GNMA.............................. 1716 276,331 1717 274,213 4.b.(1)
(2) Collateralized by MBS issued or guaranteed by
FNMA, FHLMC, or GNMA........................ 1731 0 1732 0 4.b.(2)
(3) All other mortgage-backed securities........ 1735 62,555 1736 63,154 4.b.(3)
5. Other debt securities:
a. Other domestic debt securities.................. 1739 0 1741 0 5.a.
b. Foreign debt securities......................... 1744 0 1746 0 5.b.
6. Equity securities:
a. Investments in mutual funds..................... 1747 0 1748 0 6.a.
b. Other equity securities with readily determinable
fair values..................................... 1749 58 1751 58 6.b.
c. All other equity securities(1).................. 1752 28,835 1753 28,835 6.c.
7. Total (sum of items 1 through 6)(total of column A
must equal Schedule RC, item 2.a) (total of column D
must equal Schedule RC, item 2.b).................. 1772 501,115 1773 500,815 7.
------------------------------------
- -----------------
(1) Includes equity securities without readily determinable fair values at
historical cost in item 6.c, column D.
14
47
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-5
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
SCHEDULE RC-B--CONTINUED
-------
Memoranda C412 <-
-------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou
- ----------------------------------------------------------------------------------------------------------
1. Pledged securities(2)........................................................... 0416 1,501,923 M.1.
2. Maturity and repricing data for debt securities (2)(3)(4) (excluding those in
nonaccrual status):
a. Fixed rate debt securities with a remaining maturity of:
(1) Three months or less................................................... 0343 49,256 M.2.a.(1)
(2) Over three months through 12 months.................................... 0344 136,398 M.2.a.(2)
(3) Over one year through five years....................................... 0345 81,639 M.2.a.(3)
(4) Over five years........................................................ 0346 1,321,645 M.2.a.(4)
(5) Total fixed rate debt securities (sum of Memorandum items 2.a.(1)
through 2.a.(4))....................................................... 0347 1,588,938 M.2.a.(5)
b. Floating rate debt securities with a repricing frequency of:
(1) Quarterly or more frequently........................................... 4544 205,209 M.2.b.(1)
(2) Annually or more frequently, but less frequently than quarterly........ 4545 0 M.2.b.(2)
(3) Every five years or more frequently, but less frequently than
annually............................................................... 4551 118,425 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 323,634 M.2.b.(5)
c. Total debt securities (sum of Memorandum items 2.a.(5) and 2.b.(5)) (must
equal total debt securities from Schedule RC-B, sum of items 1 through 5,
columns A and D, minus nonaccrual debt securities included in
Schedule RC-N, item 9, column C)........................................... 0393 1,912,572 M.2.c.
3. Not applicable
4. Held-to-maturity debt securities restructured and in compliance with modified
terms (included in Schedule RC-B, items 3 through 5, column A, above)........... 5365 0 M.4.
5. Not applicable
6. Floating rate debt securities with a remaining maturity of one year or less(2)
(included in Memorandum item 2.b.(5) above)..................................... 5519 0 M.6.
7. Amortized cost of held-to-maturity securities sold or transferred to
available-for-sale or trading securities during the calendar year-to-date
(report the amortized cost at date of sale or transfer)......................... 1778 0 M.7.
8. High-risk mortgage securities (included in the held-to-maturity and
available-for-sale accounts in Schedule RC-B, item 4.b):
a. Amortized cost............................................................. 8780 32,481 M.8.a.
b. Fair value................................................................. 8781 33,187 M.8.b.
9. Structured notes (included in the held-to-maturity and available-for-sale
accounts in Schedule RC-B, items 2, 3, and 5):
a. Amortized cost............................................................. 8782 90,118 M.9.a.
b. Fair value................................................................. 8783 89,799 M.9.b.
-------------------
- ---------------
(2) Includes held-to-maturity securities at amortized cost and
available-for-sale securities at fair value.
(3) Exclude equity securities, e.g., investments in mutual funds, Federal
Reserve stock, common stock, and preferred stock.
(4) Memorandum item 2 is not applicable to savings banks that must complete
supplemental Schedule RC-J.
15
48
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-6
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
SCHEDULE RC-C--LOANS AND LEASE FINANCING RECEIVABLES
PART I. LOANS AND LEASES
Do not deduct the allowance for loan and lease losses from amounts reported in
this schedule. Report total loans and leases, net of unearned income. Exclude
assets held for trading.
-------
C415 <-
----------------------------------
(Column A) (Column B)
Consolidated Domestic
Bank Offices
----------------------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou RCON Bil Mil Thou
- -----------------------------------------------------------------------------------------------------------------------
1. Loans secured by real estate.................................................. 1410 2,321,367 1.
a. Construction and land development.......................................... 1415 148,686 1.a.
b. Secured by farmland (including farm residential and other improvements).... 1420 16,874 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 113,141 1.c.(1)
(2) All other loans secured by 1-4 family residential properties:
(a) Secured by first liens............................................. 5367 1,072,076 1.c.(2)(a)
(b) Secured by junior liens............................................ 5368 50,124 1.c.(2)(b)
d. Secured by multifamily (5 or more) residential properties.................. 1460 42,247 1.d.
e. Secured by nonfarm nonresidential properties............................... 1480 878,219 1.e.
2. Loans to depository institutions:
a. To commercial banks in the U.S. ........................................... 1505 17,497 2.a.
(1) To U.S. branches and agencies of foreign banks......................... 1506 0 2.a.(1)
(2) To other commercial banks in the U.S. ................................. 1507 17,497 2.a.(2)
b. To other depository institutions in the U.S. .............................. 1517 844 1517 844 2.b.
c. To banks in foreign countries.............................................. 1510 1,613 2.c.
(1) To foreign branches of other U.S. banks................................ 1513 0 2.c.(1)
(2) To other banks in foreign countries.................................... 1516 1,613 2.c.(2)
3. Loans to finance agricultural production and other loans to farmers........... 1590 5,522 1590 5,522 3.
4. Commercial and industrial loans:
a. To U.S. addressees (domicile).............................................. 1763 1,308,940 1763 1,308,940 4.a.
b. To non-U.S. addressees (domicile).......................................... 1764 0 1764 0 4.b.
5. Acceptances of other banks:
a. Of U.S. banks.............................................................. 1756 0 1756 0 5.a.
b. Of foreign banks........................................................... 1757 0 1757 0 5.b.
6. Loans to individuals for household, family, and other personal expenditures
(i.e., consumer loans) (includes purchased paper)............................. 1975 958,604 6.
a. Credit cards and related plans (includes check credit and other revolving
credit plans).............................................................. 2008 58,582 6.a.
b. Other (includes single payment, installment, and all student loans)........ 2011 900,022 6.b.
7. Loans to foreign governments and official institutions (including foreign
central banks)................................................................ 2081 0 2081 0 7.
8. Obligations (other than securities and leases) of states and political
subdivisions in the U.S. (includes nonrated industrial development
obligations).................................................................. 2107 86,165 2107 86,165 8.
9. Other loans................................................................... 1563 234,170 9.
a. Loans for purchasing or carrying securities (secured and unsecured)........ 1545 41,959 9.a.
b. All other loans (exclude consumer loans)................................... 1564 192,211 9.b.
10. Lease financing receivables (net of unearned income).......................... 2165 177,264 10.
a. Of U.S. addressees (domicile).............................................. 2182 177,264 10.a.
b. Of non-U.S. addressees (domicile).......................................... 2183 0 10.b.
11. LESS: Any unearned income on loans reflected in items 1-9 above............... 2123 0 2123 0 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 5,111,986 2122 5,111,986 12.
------------------------------------
16
49
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-7
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
SCHEDULE RC-C--CONTINUED
PART I. 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, part I, above....................... 1496 3,775 1496 3,775 M.1.
2. Loans and leases restructured and in compliance with modified terms (included in
Schedule RC-C, part I, above and not reported as past due or nonaccrual in
Schedule RC-N, Memorandum item 1):
a. Loans secured by real estate:
(1) To U.S. addressees (domicile) .......................................... 1687 0 M.2.a.(1)
(2) To non-U.S. addressees (domicile)....................................... 1689 0 M.2.a.(2)
b. All other loans and all lease financing receivables (exclude loans to
individuals for household, family, and other personal expenditures).......... 8691 0 M.2.b.
c. Commercial and industrial loans to and lease financing receivables of
non-U.S. addressees (domicile) included in Memorandum item 2.b above......... 8692 0 M.2.c.
3. Maturity and repricing data for loans and leases(1) (excluding those in
nonaccrual status):
a. Fixed rate loans and leases with a remaining maturity of:
(1) Three months or less.................................................... 0348 130,236 M.3.a.(1)
(2) Over three months through 12 months..................................... 0349 283,860 M.3.a.(2)
(3) Over one year through five years........................................ 0356 1,661,915 M.3.a.(3)
(4) Over five years......................................................... 0357 619,880 M.3.a.(4)
(5) Total fixed rate loans and leases (sum of Memorandum items 3.a.(1)
through 3.a.(4))........................................................ 0358 2,695,891 M.3.a.(5)
b. Floating rate loans with a repricing frequency of:
(1) Quarterly or more frequently............................................ 4554 1,814,685 M.3.b.(1)
(2) Annually or more frequently, but less frequently than quarterly......... 4555 230,567 M.3.b.(2)
(3) Every five years or more frequently, but less frequently than annually.. 4561 351,272 M.3.b.(3)
(4) Less frequently than every five years................................... 4564 4,526 M.3.b.(4)
(5) Total floating rate loans (sum of Memorandum items 3.b.(1)
through 3.b.(4))........................................................ 4567 2,401,050 M.3.b.(5)
c. Total loans and leases (sum of Memorandum items 3.a.(5) and 3.b.(5)) (must
equal the sum of total loans and leases, net, from Schedule RC-C, part I,
item 12, plus unearned income from Schedule RC-C, part I, item 11, minus
total nonaccrual loans and leases from Schedule RC-N, sum of items 1
through 8, column C)......................................................... 1479 5,096,941 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, part I,
items 4 and 9, column A, page RC-6(2)........................................... 2746 12,125 M.4.
5. Loans and leases held for sale (included in Schedule RC-C, part I, above)....... 5369 66,780 M.5.
6. Adjustable rate closed-end loans secured by first liens on 1-4 family -----------------
residential properties (included in Schedule RC-C, part I, item 1.c.(2)(a), RCON Bil Mil Thou
column B, page RC-6)............................................................ -----------------
5370 538,448 M.6.
----------------------------------
- ---------------
(1) Memorandum item 3 is not applicable to savings banks that must complete
supplemental Schedule RC-J.
(2) Exclude loans secured by real estate that are included in Schedule RC-C,
part I, item 1, column A.
17
50
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-7a
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
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 most recently approved, extended, or renewed prior to the report
date. However, if the amount currently outstanding as of the report date
exceeds this size, the "original amount" is the amount currently outstanding on
the report date. (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 or the amount currently
outstanding as of the report date, whichever is larger.
Loans to Small Businesses
1. Indicate in the appropriate box at the right whether all or substantially
all of the dollar volume of your bank's "Loans secured by nonfarm
nonresidential properties" in domestic offices reported in Schedule
RC-C, part I, item 1.e, column B, and all or substantially all of the
dollar volume of your bank's "Commercial and industrial loans to U.S. -------
addressees" in domestic offices reported in Schedule RC-C, part I, item 4.a, C418
column B, have original amounts of $100,000 or less. (If your bank has no -------
loans outstanding in both of these two loan categories, place an "X" in the RCON YES NO
box marked "NO" and go to item 5; otherwise, see instructions for further -------------
information.) ................................................................. 6999 X 1.
-------------
If YES, complete items 2.a and 2.b below, skip items 3 and 4, and go to item 5.
If NO and your bank has loans outstanding in either loan category, 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
following Schedule RC-C, part I, loan categories:
---------------
Number of Loans
---------------
a. "Loans secured by nonfarm nonresidential properties" in domestic RCON
offices reported in Schedule RC-C, part I, item 1.e, column B .......... 5562 N/A 2.a
b. "Commercial and industrial loans to U.S. addressees" in domestic
offices reported in Schedule RC-C, part I, item 4.a, column B .......... 5563 N/A 2.b
---------------
-------------------------------------
(Column A) (Column B)
Amount
Currently
Number of Loans Outstanding
--------------- ------------------
Dollar Amounts in Thousands RCON RCON Bil Mil Thou
- -----------------------------------------------------------------------------------------------------------------------------
3. Number and amount currently outstanding of "Loans secured by nonfarm
nonresidential properties" in domestic offices reported in Schedule RC-C,
part I, item 1.e, column B (sum of items 3.a through 3.c must be less than
or equal to Schedule RC-C, part I, item 1.e, column B):
a. With original amounts of $100,000 or less.................................. 5564 1,735 5565 104,690 3.a.
b. With original amounts of more than $100,000 through $250,000............... 5566 977 5567 141,559 3.b.
c. With original amounts of more than $250,000 through $1,000,000............. 5568 705 5569 283,342 3.c.
Number and amount currently outstanding of "Commercial and industrial
loans to U.S. addressees" in domestic offices reported in Schedule RC-C,
part I, item 4.a, column B (sum of items 4.a through 4.c must be less than
or equal to Schedule RC-C, part I, item 4.a, column B):
a. With original amounts of $100,000 or less.................................. 5570 9,222 5571 262,129 4.a.
b. With original amounts of more than $100,000 through $250,000............... 5572 658 5573 103,927 4.b.
c. With original amounts of more than $250,000 through $1,000,000............. 5574 666 5575 280,745 4.c.
17a
51
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-7b
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
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 dollar volume of your bank's "Loans secured by farmland
(including farm residential and other improvements)" in domestic offices
reported in Schedule RC-C, part I, item 1.b, column B, and all or
substantially all of the dollar volume of your bank's "Loans to finance
agricultural production and other loans to farmers" in domestic offices
reported in Schedule RC-C, part I, item 3, column B, have original amounts
of $100,000 or less. (If your bank has no loans outstanding in both of
these two loan categories, place an "X" in the box marked "NO" and do not YES NO
complete items 7 and 8; otherwise, see instructions for further ------------
information.).................................................................. 6860 X 5.
------------
If YES, complete items 6.a and 6.b below and do not complete items 7 and 8. If
NO and your bank has loans outstanding in either loan category, skip items 6.a
and 6.b and complete items 7 and 8 below.
6. Report the total number of loans currently outstanding for each of the
following Schedule RC-C, part I, loan categories:
---------------
Number of Loans
---------------
RCON
----
a. "Loans secured by farmland (including farm residential and other
improvements)" in domestic offices reported in Schedule RC-C, part I,
item 1.b, column B ..................................................... 5576 N/A 6.a.
b. "Loans to finance agricultural production and other loans to
farmers" in domestic offices reported in Schedule RC-C, part I,
item 3, column B ....................................................... 5577 N/A 6.b.
---------------
-------------------------------------
(Column A) (Column B)
Amount
Currently
Number of Loans Outstanding
--------------- ------------------
Dollar Amounts in Thousands RCON RCON Bil Mil Thou
- -----------------------------------------------------------------------------------------------------------------------------
7. Number and amount currently outstanding of "Loans secured by farmland
(including farm residential and other improvements)" in domestic offices
reported in Schedule RC-C, part I, item 1.b, column B (sum of items 7.a
through 7.c must be less than or equal to Schedule RC-C, part I, item 1.b,
column B):
a. With original amounts of $100,000 or less .................................. 5578 213 5579 5,325 7.a.
b. With original amounts of more than $100,000 through $250,000 ............... 5580 20 5581 2,558 7.b.
c. With original amounts of more than $250,000 through $500,000 ............... 5582 6 5583 1,925 7.c.
8. Number and amount currently outstanding of "Loans to finance agricultural
production and other loans to farmers" in domestic offices reported in
Schedule RC-C, part I, item 3, column B (sum of items 8.a through 8.c
must be less than or equal to Schedule RC-C, part I, item 3, column B):
a. With original amounts of $100,000 or less .................................. 5584 190 5585 4,083 8.a.
b. With original amounts of more than $100,000 through $250,000 ............... 5586 6 5587 893 8.b.
c. With original amounts of more than $250,000 through $500,000 ............... 5588 2 5589 546 8.c.
-------------------------------------
17b
52
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-8
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
SCHEDULE RC-D--TRADING ASSETS AND LIABILITIES
Schedule RC-D is to be completed only by banks with $1 billion or more in total
assets or with $2 billion or more in par/notional amount of off-balance sheet
derivative contracts (as reported in Schedule RC-L, items 14.a through 14.e,
columns A through D).
------------
C420 <-
ASSETS ----------------------
Dollar Amounts in Thousands Bil Mil Thou
- ----------------------------------------------------------------------------------------------------------------
ASSETS
1. U.S. Treasury securities in domestic offices......................................... RCON 3531 1,087 1.
2. U.S. Government agency and corporation obligations in domestic offices (exclude
mortgage-backed securities).......................................................... RCON 3532 10,271 2.
3. Securities issued by states a political subdivisions in the U.S. in domestic
offices.............................................................................. RCON 3533 2,914 3.
4. Mortgage-backed securities (MBS) in domestic offices:
a. Pass-through securities issued or guaranteed by FNMA, FHLMC, or GNMA.............. RCON 3534 1,603 4.a.
b. Other mortgage-backed securities issued or guaranteed by FNMA, FHLMC, or GNMA
(include CMOs, REMICs, and stripped MBS).......................................... RCON 3535 0 4.b.
c. All other mortgage-backed securities.............................................. RCON 3536 758 4.c.
5. Other debt securities in domestic offices............................................ RCON 3537 0 5.
6. Certificates of deposit in domestic offices.......................................... RCON 3538 0 6.
7. Commercial paper in domestic offices................................................. RCON 3539 0 7.
8. Bankers acceptances in domestic offices.............................................. RCON 3540 12,591 8.
9. Other trading assets in domestic offices............................................. RCON 3541 0 9.
10. Trading assets in foreign offices.................................................... RCFN 3542 0 10.
11. Revaluation gains on interest rate, foreign exchange rate, and other commodity and
equity contracts:
a. In domestic offices............................................................... RCON 3543 0 11.a
b. In foreign offices................................................................ RCFN 3544 0 11.b
12. Total trading assets (sum of items 1 through 11) (must equal Schedule RC, item 5).... RCFD 3545 29,224 12.
----------------------
----------------------
LIABILITIES Bil Mil Thou
----------------------
13. Liability for short positions........................................................ RCFD 3546 13,826 13.
14. Revaluation losses on interest rate, foreign exchange rate, and other commodity and
equity contracts..................................................................... RCFD 3547 0 14.
15. Total trading liabilities (sum of items 13 and 14) (must equal Schedule RC, item
15.b)................................................................................ RCFD 3548 13,826 15.
----------------------
18
53
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-9
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
SCHEDULE RC-E--DEPOSIT LIABILITIES
PART I. DEPOSITS IN DOMESTIC OFFICES
-------
C425 <-
--------------------------------------------------------
Nontransaction
Transaction Accounts Accounts
--------------------------------------------------------
(Column A) (Column B) (Column C)
Total Total
transaction Memo: Total nontransaction
accounts demand deposits accounts
(including total (included in (including
demand deposits) column A) MMDAs)
--------------------------------------------------------
Dollar Amounts in Thousands RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou
- ----------------------------------------------------------------------------------------------------------
Deposits of:
1. Individuals, partnerships and corporations... 2201 1,687,965 2240 1,011,904 2346 3,662,756 1.
2. U.S. Government.............................. 2202 15,475 2280 15,475 2520 439 2.
3. States and political subdivisions in the
U.S.......................................... 2203 56,208 2290 17,891 2530 377,790 3.
4. Commercial banks in the U.S.................. 2206 52,488 2310 52,488 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 2,032 2312 2,032 2349 100 5.
6. Banks in foreign countries................... 2213 169 2320 169 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 0 2300 0 2377 0 7.
8. Certified and official checks................ 2330 13,332 2330 13,332 8.
9. Total (sum of items 1 through 8) (sum of
columns A and C must equal Schedule RC, item
13.a)........................................ 2215 1,827,669 2210 1,113,291 2385 4,041,085 9.
--------------------------------------------------------
Memoranda ----------------------
Dollar Amounts in Thousands RCON Bil Mil Thou
- --------------------------------------------------------------------------------------------------------------
1. Selected components of total deposits (i.e., sum of item 9, columns A and C):
a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts............. 6835 282,410 M.1.a.
b. Total brokered deposits......................................................... 2365 0 M.1.b.
c. Fully insured brokered deposits (included in Memorandum item 1.b above):
(1) Issued in denominations of less than $100,000............................... 2343 0 M.1.c.(1)
(2) Issued either in denominations of $100,000 or in denominations greater than
$100,000 and participated out by the broker in shares of $100,000 or less... 2344 0 M.1.c.(2)
d. Total deposits denominated in foreign currencies................................ 3776 0 M.1.d.
e. Preferred deposits (uninsured deposits of states and political subdivisions in
the U.S. reported in item 3 above which are secured or collateralized as
required under state law)....................................................... 5590 417,340 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 1,746,112 M.2.a.(1)
(2) Other savings deposits (excludes MMDAs)..................................... 0352 323,592 M.2.a.(2)
b. Total time deposits of less than $100,000....................................... 6648 1,325,544 M.2.b.
c. Time certificates of deposit of $100,000 or more................................ 6645 620,848 M.2.c.
d. Open-account time deposits of $100,000 or more.................................. 6646 24,989 M.2.d.
3. All NOW accounts (included in column A above)...................................... 2398 714,378 M.3.
----------------------
19
54
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-10
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
SCHEDULE RC-E--Continued
PART I. CONTINUED
Memoranda (continued)
- ----------------------------------------------------------------------------------------------------------------
Deposit Totals for FDIC Insurance Assessments -----------------
Dollar Amounts in Thousands RCON Bil Mil Thou
- -------------------------------------------------------------------------------------------------------
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 5,868,754 M.4.
a. Total demand deposits (must equal item 9, column B).......................... 2210 1,113,291 M.4.a.
b. Total time and savings deposits(1) (must equal item 9, column A plus item 9,
column C minus item 9, column B)............................................. 2350 4,755,463 M.4.b.
------------------
- ---------------
(1) For FDIC insurance assessment purposes, "total time and savings deposits" consists of nontransaction accounts
and all transaction accounts other than demand deposits.
- ----------------------------------------------------------------------------------------------------------------
-----------------
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 336,982 M.5.a.
b. Over three months through 12 months (but not over 12 months).................. 3644 580,329 M.5.b.
6. Maturity and repricing data for time certificates of deposit 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 164,324 M.6.a.(1)
(2) Over three months through 12 months....................................... 2762 404,039 M.6.a.(2)
(3) Over one year through five years.......................................... 2763 48,225 M.6.a.(3)
(4) Over five years........................................................... 2765 4,260 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 620,848 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 0 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 deposit of $100,000 or more (sum
of Memorandum items 6.b.(1) through 6.b.(4)).............................. 4573 0 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 620,848 M.6.c.
-----------------
- ---------------
(1) Memorandum items 5 and 6 are not applicable to savings banks that must
complete supplemental Schedule RC-J.
20
55
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-11
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
SCHEDULE RC-E--CONTINUED
PART II. DEPOSITS IN FOREIGN OFFICES (INCLUDING EDGE AND
AGREEMENT SUBSIDIARIES AND IBFS)
----------------
Dollar Amounts in Thousands RCFN Bil Mil Thou
- ------------------------------------------------------------------------------------------------------------
Deposits of:
1. Individuals, partnerships, and corporations............................................. 2621 71,047 1.
2. U.S. banks (including IBFs and foreign branches of U.S. banks).......................... 2623 35,000 2.
3. Foreign banks (including U.S. branches and
agencies of foreign banks, including their IBFs)........................................ 2625 0 3.
4. Foreign governments and official institutions (including foreign central banks)......... 2650 0 4.
5. Certified and official checks........................................................... 2330 0 5.
6. All other deposits...................................................................... 2668 0 6.
7. Total (sum of items 1 through 6) (must equal Schedule RC, item 13.b).................... 2200 106,047 7.
-----------------
SCHEDULE RC-F--OTHER ASSETS
--------
C430 <-
--------------------
Dollar Amounts in Thousands Bil Mil Thou
- ------------------------------------------------------------------------------------------------------------
1. Income earned, not collected on loans.............................................. RCFD 2164 29,948 1.
2. Net deferred tax assets(1)......................................................... RCFD 2148 39,289 2.
3. Excess residential mortgage servicing fees receivable.............................. RCFD 5371 0 3.
4. Other (itemize amounts that exceed 25% of this item)............................... RCFD 2168 100,074 4.
--------- ----------------------
a. TEXT 3549 Prepaid expenses RCFD 3549 28,476 4.a
---------------------------------------------------------
b. TEXT 3550 Investment sales cig-trade date RCFD 3550 35,022 4.b
---------------------------------------------------------
c. TEXT 3551 RCFD 3551 4.c
--------------------------------------------------------------------------------
5. Total (sum of items 1 through 4) (must equal Schedule RC, item 11)................. RCFD 2160 169,311 5.
--------------------
Memorandum
--------------------
Dollar Amounts in Thousands Bil Mil Thou
- ------------------------------------------------------------------------------------------------------------
1. Deferred tax assets disallowed for regulatory capital purposes..................... RCFD 5610 0 M.1
--------------------
SCHEDULE RC-G--OTHER LIABILITIES
--------
C435 <-
---------------------
Dollar Amounts in Thousands Bil Mil Thou
- -------------------------------------------------------------------------------------------------------------
1. a. Interest accrued and unpaid on deposits in domestic offices(2).................. RCON 3645 25,661 1.a
b. Other expenses accrued and unpaid (includes accrued income taxes payable)....... RCFD 3646 51,453 1.b
2. Net deferred tax liabilities(1).................................................... RCFD 3049 0 2.
3. Minority interest in consolidated subsidiaries..................................... RCFD 3000 0 3.
4. Other (itemize amounts that exceed 25% of this item)............................... RCFD 2938 50,401 4.
--------- ---------------------
a. TEXT 3552 Investment purchase cig-trade date RCFD 3552 37,668 4.a
----------------------------------------------------------
b. TEXT 3553 RCFD 3553 4.b
----------------------------------------------------------
c. TEXT 3554 RCFD 3554 4.c
--------------------------------------------------------------------------------
5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20)................. RCFD 2930 127,515 5.
---------------------
- ---------------
(1) See discussion of deferred income taxes in Glossary entry on "income taxes."
(2) For savings banks, include "dividends" accrued and unpaid on deposits.
21
56
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-12
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
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 22,055 1.
2. Bank's liability an acceptances executed and outstanding ................................ 2920 22,055 2.
3. Federal funds sold and securities purchased under agreements to resell .................. 1350 83,805 3.
4. Federal funds purchased and securities sold under agreements to repurchase .............. 2800 686,496 4.
5. Other borrowed money .................................................................... 3190 225,369 5.
EITHER
6. Net due from own foreign offices, Edge and Agreement subsidiaries, and IBFs ............. 2163 N/A 6.
OR
7. Net due to own foreign offices, Edge and Agreement subsidiaries, and IBFs ............... 2941 81,060 7.
8. Total assets (excludes net due from foreign offices, Edge and Agreement subsidiaries,
and IBFs) ............................................................................... 2192 7,777,527 8.
9. Total liabilities (excludes net due to foreign offices, Edge and Agreement subsidiaries,
and IBFs) ............................................................................... 3129 7,094,440 9.
------------------------
Items 10-17 include held-to-maturity and available-for-sale securities in domestic offices.
RCON Bil Mil Thou
------------------------
10. U.S. Treasury securities ................................................................ 1779 259,594 10.
11. U.S. Government agency and corporation obligations (exclude mortgage-backed securities).. 1785 90,118 11.
12. Securities issued by states and political subdivisions in the U.S. ...................... 1786 8,885 12.
13. Mortgage-backed securities (MBS):
a. Pass-through securities:
(1) Issued or guaranteed by FNMA, FHLMC, or GNMA .................................... 1787 117,400 13.a.(1)
(2) Other pass-through securities .................................................... 1869 0 13.a.(2)
b. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS):
(1) Issued or guaranteed by FNMA, FHLMC, GNMA ........................................ 1877 1,167,109 13.b.(1)
(2) All other mortgage-backed securities ............................................. 2253 267,416 13.b.(2)
14. Other domestic debt securities .......................................................... 3159 1,025 14.
15. Foreign debt securities ................................................................. 3160 1,025 15.
16. Equity securities:
a. Investments in mutual funds ......................................................... 3161 0 16.a.
b. Other equity securities with readily determinable fair values ........................ 3162 58 16.b.
c. All other equity securities .......................................................... 3169 28,835 16.c.
17. Total held-to-maturity and available-for-sale securities (sum of items 10 through 16) ... 3170 1,941,465 17.
------------------------
Memorandum (to be completed only by banks with IBFs and other "foreign" offices)
Dollar Amounts in Thousands RCON Bil Mil Thou
- -----------------------------------------------------------------------------------------------------------------------
EITHER
1. Net due from the IBF of the domestic offices of the reporting bank ...................... 3051 N/A M.1.
OR
2. Net due to the IBF of the domestic offices of the reporting bank ......................... 3059 N/A M.2.
------------------------
22
57
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-13
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
SCHEDULE RC-I--SELECTED ASSETS AND LIABILITIES OF IBFS
To be completed only by banks with IBFs and other "foreign" offices.
--------
C445 <-
------------------------
Dollar Amounts in Thousands RCFN Bil Mil Thou
- --------------------------------------------------------------------------------------------------------------------
1. Total IBF assets of the consolidated bank (component of Schedule RC, item 12)......... 2133 N/A 1.
2. Total IBF loans and lease financing receivables (component of Schedule RC-C, part I,
item 12, column A).................................................................... 2076 N/A 2.
3. IBF commercial and industrial loans (component of Schedule RC-C, part I, item 4,
column A)............................................................................. 2077 N/A 3.
Total IBF liabilities (component of Schedule RC, item 21)............................. 2898 N/A 4.
5. IBF deposit liabilities due to banks, including other IBFs (component of Schedule RC-E,
part II, items 2 and 3)............................................................... 2379 N/A 5.
6. Other IBF deposit liabilities (component of Schedule RC-E, part II, items 1, 4,
5, and 6)............................................................................. 2381 N/A 6.
------------------------
SCHEDULE RC-K -- QUARTERLY AVERAGES(1)
--------
C455 <-
------------------------
Dollar Amounts in Thousands Bil Mil Thou
- --------------------------------------------------------------------------------------------------------------------
ASSETS
1. Interest-bearing balances due from depository institutions............................ RCFD 3381 5,327 1.
2. U.S. Treasury securities and U.S. Government agency and corporation obligations(2).... RCFD 3382 1,709,499 2.
3. Securities issued by states and political subdivisions in the U.S.(2)................. RCFD 3383 8,719 3.
4. a. Other debt securities(2)......................................................... RCFD 3647 197,165 4.a.
b. Equity securities(3) (includes investments in mutual funds and Federal Reserve
stock)........................................................................... RCFD 3648 28,651 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 57,686 5.
6. Loans:
a. Loans in domestic offices:
(1) Total Loans................................................................. RCON 3360 4,808,088 6.a.(1)
(2) Loans secured by real estate................................................ RCON 3385 2,276,646 6.a.(2)
(3) Loans to finance agricultural production and other loans to farmers......... RCON 3386 4,743 6.a.(3)
(4) Commercial and industrial loans............................................. RCON 3387 1,250,490 6.a.(4)
(5) Loans to individuals for household, family, and other personal
expenditures................................................................ RCON 3388 943,543 6.a.(5)
b. Total loans in foreign offices, Edge and Agreement subsidiaries, and IBFs........ RCFN 3360 0 6.b.
7. Trading assets........................................................................ RCFD 3401 21,325 7.
8. Lease financing receivables (net of unearned income).................................. RCFD 3484 172,076 8.
9. Total assets(4)....................................................................... RCFD 3368 7,619,514 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 734,026 10.
11. Nontransaction accounts in domestic offices:
a. Money market deposit accounts (MMDAs)............................................ RCON 3486 1,687,914 11.a.
b. Other savings deposits........................................................... RCON 3487 336,460 11.b.
c. Time certificates of deposit of $100,000 or more................................. RCON 3345 538,187 11.c.
d. All other time deposits.......................................................... RCON 3469 1,351,050 11.d.
12. Interest-bearing deposits in foreign offices, Edge and Agreement subsidiaries,
and IBFs.............................................................................. RCFN 3404 80,972 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 820,928 13.
14. Other borrowed money.................................................................. RCFD 3355 234,682 14.
------------------------
- ---------------
(1) For all items, banks have the option of reporting either (1) an average of
daily figures for the quarter or (2) an average of weekly figures (i.e., the
Wednesday of each week of the quarter).
(2) Quarterly averages for all debt securities should be based on amortized
cost.
(3) Quarterly averages for all equity securities should be based on historical
cost.
(4) The quarterly average for total assets should reflect all debt securities
(not held for trading) at amortized cost, equity securities with readily
determinable fair values at the lower of cost or fair value, and equity
securities without readily determinable fair values at historical cost.
23
58
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-14
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
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 177,227 1.a.
b. Credit card lines................................................................ 3815 5,566 1.b.
c. Commercial real estate, construction, and land development:
(1) Commitments to fund loans secured by real estate............................. 3816 105,987 1.c.(1)
(2) Commitments to fund loans not secured by real estate......................... 6550 36,668 1.c.(2)
d. Securities underwriting.......................................................... 3817 0 1.d.
e. Other unused commitments......................................................... 3818 1,595,279 1.e.
2. Financial standby letters of credit and foreign office guarantees................... 3819 119,129 2.
a. Amount of financial standby letters of credit conveyed to
others .................................................... RCFD 3820 2,500 2.a.
3. Performance standby letters of credit and foreign office guarantees................. 3821 85,922 3.
a. Amount of performance standby letters of credit conveyed to
others..................................................... RCFD 3822 3,848 3.a.
4. Commercial and similar letters of credit............................................ 3411 161,992 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 149,558 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 tarnsferred 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 3,195 10.a.
b. Gross commitments to sell........................................................ 3435 3,195 10.b.
11. Spot foreign exchange contracts..................................................... 8765 587 11.
12. All other off-balance sheet liabilities (exclude off-balance sheet derivatives)
(itemize and describe each component of this item over 25% of Schedule RC,
item 28, "Total equity capital").................................................... 3430 0 12.
a. TEXT 3555: .................................................. RCFD 3555 12.a.
b. TEXT 3556: .................................................. RCFD 3556 12.b.
c. TEXT 3557: .................................................. RCFD 3557 12.c.
d. TEXT 3558: .................................................. RCFD 3558 12.d.
13. All other off-balance sheet assets (exclude off-balance sheet derivatives) (itemize
and describe each component of this item over 25% of Schedule RC, item 28, "Total
equity capital").................................................................... 5591 0 13.
a. TEXT 5592: .................................................. RCFD 5592 13.a.
b. TEXT 5593: .................................................. RCFD 5593 13.b.
c. TEXT 5594: .................................................. RCFD 5594 13.c.
d. TEXT 5595: .................................................. RCFD 5595 13.d.
-------------------
24
59
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-15
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
SCHEDULE RC-L--CONTINUED
--------
C461 <-
--------------------------------------------------------------------------------
(Column A) (Column B) (Column C) (Column D)
Interest Foreign Equity Commodity
Dollar Amounts in Thousands Rate Exchange Derivative and Other
- ------------------------------------------- Contracts Contracts Contracts Contracts
Off-balance Sheet Derivatives --------------------------------------------------------------------------------
Position Indicators Tril Bil Mil Thou Tril Bil Mil Thou Tril Bil Mil Thou Tril Bil Mil Thou
- ---------------------------------------------------------------------------------------------------------------------------
14. Gross amounts (e.g., notional amounts)
(for each column, sum of items 14.a
through 14.e must equal sum of items
15, 16.a, and 16.b):
a. Futures contracts.............. 193,100 0 0 0 14.a.
----------------------------------------------------------------------------
RCFD 8693 RCFD 8694 RCFD 8695 RCFD 8696
----------------------------------------------------------------------------
b. Forward contracts.............. 6,426 19,599 0 0 14.b.
----------------------------------------------------------------------------
RCFD 8697 RCFD 8698 RCFD 8699 RCFD 8700
----------------------------------------------------------------------------
c. Exchange-traded option contracts:
----------------------------------------------------------------------------
(1) Written options............ 500 0 0 0 14.c.(1)
----------------------------------------------------------------------------
RCFD 8701 RCFD 8702 RCFD 8703 RCFD 8704
----------------------------------------------------------------------------
(2) Purchased options.......... 0 0 0 0 14.c.(2)
----------------------------------------------------------------------------
RCFD 8705 RCFD 8706 RCFD 8707 RCFD 8708
----------------------------------------------------------------------------
d. Over-the-counter option contracts:
----------------------------------------------------------------------------
(1) Written options............ 26,000 1,083 0 0 14.d.(1)
----------------------------------------------------------------------------
RCFD 8709 RCFD 8710 RCFD 8711 RCFD 8712
----------------------------------------------------------------------------
(2) Purchased options.......... 26,000 1,083 0 0 14.d.(2)
----------------------------------------------------------------------------
RCFD 8713 RCFD 8714 RCFD 8715 RCFD 8716
----------------------------------------------------------------------------
e. Swaps.......................... 1,702,600 0 0 0 14.e.
----------------------------------------------------------------------------
RCFD 3450 RCFD 3826 RCFD 8719 RCFD 8720
----------------------------------------------------------------------------
15. Total gross notional amount of
derivative contracts held for
trading............................. 112,026 21,765 0 0 15.
----------------------------------------------------------------------------
RCFD A126 RCFD A127 RCFD 8723 RCFD 8724
----------------------------------------------------------------------------
16. Total gross notional amount of
derivative contracts held for
purposes other than trading:
----------------------------------------------------------------------------
a. Contracts marked to market..... 0 0 0 0 16.a.
----------------------------------------------------------------------------
RCFD 8725 RCFD 8726 RCFD 8727 RCFD 8728
----------------------------------------------------------------------------
b. Contracts not marked to market. 1,842,600 0 0 0 16.b.
----------------------------------------------------------------------------
RCFD 8729 RCFD 8730 RCFD 8731 RCFD 8732
----------------------------------------------------------------------------
25
60
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-16
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
SCHEDULE RC-L--CONTINUED
--------------------------------------------------------------------------------
(Column A) (Column B) (Column C) (Column D)
Interest Foreign Equity Commodity
Dollar Amounts in Thousands Rate Exchange Derivative And Other
- ------------------------------------------- Contracts Contracts Contracts Contracts
Off-balance Sheet Derivatives --------------------------------------------------------------------------------
Position Indicators RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou
- ---------------------------------------------------------------------------------------------------------------------------
17. Gross fair values of derivative
contracts:
a. Contracts held for trading:
(1) Gross positive fair
value...................... 8733 144 8734 646 8735 0 8736 0 17.a.(1)
(2) Gross negative fair
value...................... 8737 154 8738 80 8739 0 8740 0 17.a.(2)
b. Contracts held for purposes
other than trading that are
marked to market:
(1) Gross positive fair
value...................... 8741 0 8742 0 8743 0 8744 0 17.b.(1)
(2) Gross negative fair
value...................... 8745 0 8746 0 8747 0 8748 0 17.b.(2)
c. Contracts held for purposes
other than trading that are
not marked to market:
(1) Gross positive fair
value...................... 8749 11,411 8750 0 8751 0 8752 0 17.c.(1)
(2) Gross negative fair
value...................... 8753 15,253 8754 0 8755 0 8756 0 17.c.(2)
-------------------------------------------------------------------------
-------------------
Memoranda Dollar Amounts in Thousands RCFD Bil Mil Thou
- ----------------------------------------------------------------------------------------------------------
1.-2. Not applicable.................................................................
3. Unused commitments with an original maturity exceeding one year that are
reported in Schedule RC-L, items 1.a through 1.e, above (report only the unused
portions of commitments that are fee paid or otherwise legally binding)........ 3833 1,393,415 M.3.
a. Participations in commitments with an original maturity exceeding one year
conveyed to others.................................... RCFD 3834 19,182 M.3.a.
4. To be completed only by banks with $1 billion or more in total assets:
Standby letters of credit and foreign office guarantees (both financial and
performance) issued to non-U.S. addressees (domicile) included in
Schedule RC-L, items 2 and 3, above............................................ 3377 7,677 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 outstanding by type of loan:
a. Loans to purchase private passenger automobiles............................. 2741 N/A M.5.a.
b. Credit cards and related plans.............................................. 2742 N/A M.5.b.
c. All other consumer installment credit (including mobile home loans)......... 2743 N/A M.5.c.
-------------------
26
61
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-17
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
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 206,321 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 Number
regulations.................................................... RCFD 6165 11 1.b.
2. Federal funds sold and securities purchased under agreements to resell with U.S.
branches and agencies of foreign banks(1) (included in Schedule RC, items 3.a and
3.b).................................................................................... 3405 0 2.
3. Not applicable.
4. Outstanding principal balance of 1-4 family residential mortgage loans serviced for
others (include both retained servicing and purchased servicing):
a. Mortgages serviced under a GNMA contract............................................. 5500 0 4.a.
b. Mortgages serviced under a FHLMC contract:
(1) Serviced with recourse to servicer............................................... 5501 0 4.b.(1)
(2) Serviced without recourse to servicer............................................ 5502 116,063 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 104,791 4.c.(2)
d. Mortgages serviced under other servicing contracts................................... 5505 15,849 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 22,055 5.a.
b. Non-U.S. addressees (domicile)....................................................... 2104 0 5.b.
6. Intangible assets:
a. Mortgage servicing rights............................................................ 3164 0 6.a.
b. Other identifiable intangible assets:
(1) Purchased credit card relationships.............................................. 5506 0 6.b.(1)
(2) All other identifiable intangible assets......................................... 5507 5,514 6.b.(2)
c. Goodwill............................................................................. 3163 11,851 6.c.
d. Total (sum of items 6.a through 6.c) (must equal Schedule RC, item 10)............... 2143 17,365 6.d.
e. Intangible assets that have been grandfathered for regulatory capital purposes....... 6442 0 6.e.
7. Mandatory convertible debt, net of common or perpetual preferred stock
dedicated to redeem the debt............................................................ 3295 0 7.
------------------
- ---------------
(1) Do not report federal funds sold and securities purchased under agreements
to resell with other commercial banks in the U.S. in this item.
27
62
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-18
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
SCHEDULE RC-M--CONTINUED
------------------------
Dollar Amounts in Thousands Bil Mil Thou
- ----------------------------------------------------------------------------------------------------------------------
8. a. Other real estate owned:
(1) Direct and indirect investments in real estate ventures....................... RCFD 5372 0 8.a.(1)
(2) All other real estate owned:
(a) Construction and land development in domestic offices.................... RCON 5508 5,496 8.a.(2)(a)
(b) Farmland in domestic offices............................................. RCON 5509 76 8.a.(2)(b)
(c) 1-4 family residential properties in domestic offices.................... RCON 5510 1,189 8.a.(2)(c)
(d) Multifamily (5 or more) residential properties in domestic offices....... RCON 5511 0 8.a.(2)(d)
(e) Nonfarm nonresidential properties in domestic offices.................... RCON 5512 2,628 8.a.(2)(e)
(f) In foreign offices....................................................... RCFN 5513 0 8.a.(2)(f)
(3) Total (sum of items 8.a.(1) and 8.a.(2)) (must equal Schedule RC, item 7)..... RCFD 2150 9,389 8.a.(3)
b. Investments in unconsolidated subsidiaries and associated companies:
(1) Direct and indirect investments in real estate ventures....................... RCFD 5374 0 8.b.(1)
(2) All other investments in unconsolidated subsidiaries and associated
companies..................................................................... RCFD 5375 0 8.b.(2)
(3) Total (sum of items 8.b.(1) and 8.b.(2)) (must equal Schedule RC, item 8)..... RCFD 2130 0 8.b.(3)
c. Total assets of unconsolidated subsidiaries and associated companies............... RCFD 5376 0 8.c
9. Noncumulative perpetual preferred stock and related surplus included in Schedule RC,
item 23, "Perpetual preferred stock and related surplus"................................ RCFD 3778 0 9.
10. Mutual fund and annuity sales in domestic offices during the quarter (include
proprietary, private label, and third party products):
a. Money market funds................................................................. RCON 6441 600 10.a.
b. Equity securities funds............................................................ RCON 8427 9,411 10.b.
c. Debt securities funds.............................................................. RCON 8428 4,946 10.c.
d. Other mutual funds................................................................. RCON 8429 3,928 10.d.
e. Annuities.......................................................................... RCON 8430 18,798 10.e.
f. Sales of proprietary mutual funds and annuities (included in items 10.a through
10.e above)........................................................................ RCON 8784 347 10.f.
------------------------
- ----------------------------------------------------------------------------------------------------------------------
------------------------
Memorandum Dollar Amounts in Thousands RCFD Bil Mil Thou
- ----------------------------------------------------------------------------------------------------------------------
1. Interbank holdings of capital instruments (to be completed for the December report
only):
a. Reciprocal holdings of banking organizations' capital instruments.................. 3836 N/A M.1.a.
b. Nonreciprocal holdings of banking organizations' capital instruments............... 3837 N/A M.1.b.
------------------------
- ----------------------------------------------------------------------------------------------------------------------
28
63
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-19
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
SCHEDULE RC-N--PAST DUE AND NONACCRUAL LOANS, LEASES, AND OTHER ASSETS
The FFIEC regards the information reported in all of Memorandum item 1, in items
1 through 10, column A, and in Memorandum items 2 through 4, column A, as
confidential.
----------
C470 <-
-------------------------------------------------------------
(Column A) (Column B) (Column C)
Past due Past due 90 Nonaccrual
30 through 89 days or more
days and still and still
accruing accruing
-------------------------------------------------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou
- -----------------------------------------------------------------------------------------------------------------------
1. Loans secured by real estate:
a. To U.S. addressees (domicile)................... 1245 7,644 1246 1,453 1247 10,642 1.a.
b. To non-U.S. addressees (domicile)............... 1248 0 1249 0 1250 0 1.b.
2. Loans to depository institutions and acceptances of
other banks:
a. To U.S. banks and other U.S. depository
institutions.................................... 5377 0 5378 0 5379 0 2.a.
b. To foreign banks................................ 5380 0 5381 0 5382 0 2.b.
3. Loans to finance agricultural production and other
loans to farmers..................................... 1594 104 1597 0 1583 0 3.
4. Commercial and industrial loans:
a. To U.S. addressees (domicile)................... 1251 3,819 1252 3,620 1253 4,002 4.a.
b. To non-U.S. addressees (domicile)............... 1254 0 1255 0 1256 0 4.b.
5. Loans to individuals for household, family, and other
personal expenditures:
a. Credit cards and related plans.................. 5383 384 5384 216 5385 0 5.a.
b. Other (includes single payment, installment, and
all student loans).............................. 5386 5,333 5387 1,032 5388 0 5.b.
6. Loans to foreign governments and official
institutions......................................... 5389 0 5390 0 5391 0 6.
7. All other loans...................................... 5459 332 5460 81 5461 51 7.
8. Lease financing receivables:
a. Of U.S. addressees (domicile)................... 1257 226 1258 17 1259 350 8.a.
b. Of non-U.S. addressees (domicile)............... 1271 0 1272 0 1791 0 8.b.
9. Debt securities and other assets (exclude other real
estate owned and other repossessed assets)........... 3505 0 3506 0 3507 0 9.
-------------------------------------------------------------
==============================================================================================================================
Amounts reported in items 1 through 8 above include guaranteed and unguaranteed
portions of past due and nonaccrual loans and leases. Report in item 10 below
certain guaranteed loans and leases that have already been included in the
amounts reported in items 1 through 8.
-------------------------------------------------------------
RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou
-------------------------------------------------------------
10. Loans and leases reported in items 1 through 8 above
which are wholly or partially guaranteed by the U.S.
Government........................................... 5612 0 5613 0 5614 682 10.
a. Guaranteed portion of loans and leases included
in item 10 above................................ 5615 0 5616 0 5617 479 10.a.
-------------------------------------------------------------
29
64
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-20
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
SCHEDULE RC-N--CONTINUED
----------
C473 <-
-------------------------------------------------------
(Column A) (Column B) (Column C)
Past due Past due 90 Nonaccrual
30 through 89 days or more
days and still and still
accruing accruing
Memoranda -------------------------------------------------------
Dollar Amounts In Thousands RCFD Bil Mil Thou RCFD Bil Mil Thou RCFD Bil Mil Thou
- -------------------------------------------------------------------------------------------------------------
1. Restructured loans and leases included in
Schedule RC-N, items 1 through 8, above (and not
reported in Schedule RC-C, part I, Memorandum
item 2)........................................... 1658 0 1659 0 1661 0 M.1.
2. Loans to finance commercial real estate,
construction, and land development activities
(not secured by real estate) included in Schedule
RC-N, items 4 and 7, above........................ 6558 0 6559 0 6560 0 M.2.
-------------------------------------------------------
3. Loans secured by real estate in domestic offices RCON Bil Mil Thou RCON Bil Mil Thou RCON Bil Mil Thou
(included in Schedule RC-N, item 1, above): -------------------------------------------------------
a. Construction and land development.............. 2759 150 2769 55 3492 370 M.3.a.
b. Secured by farmland............................ 3493 5 3494 0 3495 77 M.3.b.
c. Secured by 1-4 family residential properties:
(1) Revolving, open-end loans secured by 1-4
family residential properties and extended
under lines of credit...................... 5398 367 5399 0 5400 0 M.3.c.(1)
(2) All other loans secured by 1-4 family
residential properties..................... 5401 3,794 5402 1,175 5403 459 M.3.c.(2)
d. Secured by multifamily (5 or more) residential
properties..................................... 3499 0 3500 0 3501 0 M.3.d.
e. Secured by nonfarm nonresidential properties... 3502 3,328 3503 223 3504 9,736 M.3.e.
-------------------------------------------------------
------------------------------------
(Column A) (Column B)
Past due 30 Past due 90
through 89 days days or more
------------------------------------
RCFD Bil Mil Thou RCFD Bil Mil Thou
------------------------------------
4. Interest rate, foreign exchange rate, and other
commodity and equity contracts:
a. Book value of amounts carried as assets........ 3522 0 3528 0 M.4.a.
b. Replacement cost of contracts with a positive
replacement cost............................... 3529 0 3530 0 M.4.b.
------------------------------------
30
65
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-21
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
SCHEDULE RC-O--OTHER DATA FOR DEPOSIT INSURANCE ASSESSMENTS
----------
C475 <-
-----------------
Dollar Amounts in Thousands RCON Bil Mil Thou
- -------------------------------------------------------------------------------------------------------------
1. Unposted debits (see instructions):
a. Actual amount of all unposted debits............................................... 0030 0 1.a.
OR
b. Separate amount of unposted debits:
(1) Actual amount of unposted debits to demand deposits............................ 0031 N/A 1.b.(1)
(2) Actual amount of unposted debits to time and savings deposits(1)............... 0032 N/A 1.b.(2)
2. Unposted credits (see instructions):
a. Actual amount of all unposted credits.............................................. 3510 0 2.a.
OR
b. Separate amount of unposted credits:
(1) Actual amount of unposted credits to demand deposits........................... 3512 N/A 2.b.(1)
(2) Actual amount of unposted credits to time and savings deposits(1).............. 3514 N/A 2.b.(2)
3. Uninvested trust funds (cash) held in bank's own trust department (not included
in total deposits in domestic offices)................................................ 3520 0 3.
4. Deposits of consolidated subsidiaries in domestic offices and in insured branches in
Puerto Rico and U.S. territories and possessions (not included in total deposits):
a. Demand deposits of consolidated subsidiaries....................................... 2211 343 4.a.
b. Time and savings deposits(1) of consolidated subsidiaries.......................... 2351 0 4.b.
c. Interest accrued and unpaid on deposits of consolidated subsidiaries............... 5514 0 4.c.
5. Deposits in insured branches in Puerto Rico and U.S. territories and possessions:
a. Demand deposits in insured branches (included in Schedule RC-E, Part II)........... 2229 0 5.a.
b. Time and savings deposits(1) in insured branches (included in Schedule RC-E,
Part II)........................................................................... 2383 0 5.b.
c. Interest accrued and unpaid on deposits in insured branches
(included in Schedule RC-G, item 1.b).............................................. 5515 0 5.c.
-----------------
Item 6 is not applicable to state nonmember banks that have not been authorized by the
Federal Reserve to act as pass-through correspondents.
6. Reserve balances actually passed through to the Federal Reserve by the reporting bank
on behalf of its respondent depository institutions that are also reflected as deposit
liabilities of the reporting bank:
a. Amount reflected in demand deposits (included in Schedule RC-E, Part I,
Memorandum item 4.a)............................................................... 2314 0 6.a.
b. Amount reflected in time and savings deposits(1) (included in Schedule RC-E,
Part I, Memorandum item 4.b)....................................................... 2315 0 6.b.
7. Unamortized premiums and discounts on time and savings deposits:(1)
a. Unamortized premiums............................................................... 5516 0 7.a.
b. Unamortized discounts.............................................................. 5517 0 7.b.
-----------------
- -------------------------------------------------------------------------------------------------------------------
8. To be completed by banks with "Oakar deposits."
Total "Adjusted Attributable Deposits" of all institutions acquired under Section
5(d)(3) of the Federal Deposit Insurance Act (from most recent FDIC Oakar Transaction
Worksheet(s))......................................................................... 5518 45,204 8.
- -------------------------------------------------------------------------------------------------------------------
9. Deposits in lifeline accounts......................................................... 5596 9.
10. Benefit-responsive "Depository Institution Investment Contracts" (included in total
deposits in domestic offices)......................................................... 8432 0 10.
-----------------
- ---------------
(1) For FDIC insurance assessment purposes, "time and savings deposits" consists
of nontransaction accounts and all transaction accounts other than demand
deposits.
31
66
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-22
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
Schedule RC-O--Continued
-----------------
Dollar Amounts in Thousands RCON Bil Mil Thou
- ------------------------------------------------------------------------------------------------------------------------
11. Adjustments to demand deposits in domestic offices reported in Schedule RC-E for certain
reciprocal demand balances:
a. Amount by which demand deposits would be reduced if reciprocal demand balances between the
reporting bank and savings associations were reported on a net basis rather than a gross basis
in Schedule RC-E.............................................................................. 8785 0 11.a.
b. Amount by which demand deposits would be increased if reciprocal demand balances between the
reporting bank and U.S. branches and agencies of foreign banks were reported on a gross basis
rather than a net basis in Schedule RC-E...................................................... A181 0 11.b.
c. Amount by which demand deposits would be reduced if cash items in process of collection were
included in the calculation of net reciprocal demand balances between the reporting bank and
the domestic offices of U.S. banks and savings associations in Schedule RC-E.................. A182 0 11.c.
-----------------
Memoranda (To be completed each quarter except as noted)
-------------------------------
Dollar Amounts in Thousands RCON Bil Mil Thou
- ------------------------------------------------------------------------------------------------------------------------
1. Total deposits in domestic offices of the bank (sum of Memorandum items 1.a.(1)
and 1.b.(1) must equal Schedule RC, item 13.a):
a. Deposit accounts of $100,000 or less:
(1) Amount of deposit accounts of $100,000 or less.............................. 2702 4,088,926 M.1.a.(1)
(2) Number of deposit accounts of $100,000 or less (to be completed Number
-------------------
for the June report only)................................ RCON 3779 675,285 M.1.a.(2)
-------------------
b. Deposit accounts of more than $100,000:
(1) Amount of deposit accounts of more than $100,000............................ 2710 1,779,828 M.1.b.(1)
Number
------------------
(2) Number of deposit accounts of more than $100,000......... RCON 2722 4,700 M.1.b.(2)
---------------------------------------------------
2. Estimated amount of uninsured deposits in domestic offices of the bank:
a. An estimate of your bank's uninsured deposits can be determined by multiplying
the number of deposit accounts of more than $100,000 reported in Memorandum item
1.b.(2) above by $100,000 and subtracting the result from the amount of deposit
accounts of more than $100,000 reported in Memorandum item 1.b.(1) above.
Indicate in the appropriate box at the right whether your bank has a method or YES NO
procedure for determining a better estimate of uninsured deposits than the --------------------------
estimate described above.................................................................. RCON 6861 X M.2.a.
--------------------------
------------------------
RCON Bil Mil Thou
b. If the box marked YES has been checked, report the estimate of uninsured deposits ------------------------
determined by using your bank's method or procedure......................................... 5597 N/A M.2.b.
------------------------
- ---------------------------------------------------------------------------------------------------------------------------------
Person to whom questions about the Reports of Condition and Income
should be directed: C477 <-
--------
Janice Kirkpatrick, Assistant Vice President (615) 781-7291
- -------------------------------------------- --------------------------------------------
Name and Title (TEXT 8901) Area code/phone number/extension (TEXT 8902)
32
67
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-23
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
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, 1994,
must complete items 2 through 9 and Memoranda items 1 and 2. Banks with assets
of less than $1 billion must complete items 1 and 2 below or Schedule RC-R in
its entirety, depending on their response to item 1 below.
--------
C480 <-
-----------
YES NO
-----------
1. Test for determining the extent to which Schedule RC-R must be completed. To be completed
only by banks with total assets of less than $1 billion. Indicate in the appropriate box
at the right whether the bank has total capital greater than or equal to eight percent of
adjusted total assets......................................................... RCFD 6056 1.
---------------------------------
For purposes of this test, adjusted total assets equals total assets
less cash, U.S. Treasuries, U.S. Government agency obligations, and 80
percent of U.S. Government-sponsored agency obligations plus the allowance
for loan and lease losses and selected off-balance sheet items as reported
on Schedule RC-L (see instructions).
If the box marked YES has been checked, then the bank only has to
complete item 2 below. If the box marked NO has been checked, the bank must
complete the remainder of this schedule.
A NO response to item 1 does not necessarily mean that the bank's
actual risk-based capital ratio is less than eight percent or that the bank
is not in compliance with the risk-based capital guidelines.
-------------------------------------
(Column A) (Column B)
Subordinated
Debt(1) and
Intermediate Other Limited-
Item 2 is to be completed by all banks. Term Preferred Life Capital
Stock Instruments
-------------------------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou RCON Bil Mil Thou
- --------------------------------------------------------------------------------------------------------------------
2. Subordinated debt(1) and other limited-life capital instruments
(original weighted 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 0 3790 0 2.e.
f. Over five years.................................................... 3785 0 3791 0 2.f.
------------------------------------
3. Not applicable
Items 4-9 and Memoranda items 1 and 2 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)
Credit
Equivalent
Assets Recorded Amount of Off-
on the Balance Balance Sheet
Sheet Items(2)
------------------------------------
RCFD Bil Mil Thou RCON Bil Mil Thou
- --------------------------------------------------------------------------------------------------------------------
4. Assets and credit equivalent amounts of off-balance sheet items assigned
to the Zero percent risk category:
a. Assets recorded on the balance sheet:
(1) Securities issued by, other claims on, and claims
unconditionally guaranteed by, the U.S. Government and its
agencies and other OECD central governments.................... 3794 424,819 4.a.(1)
(2) All other...................................................... 3795 118,397 4.a.(2)
b. Credit equivalent amount of off-balance sheet items................. 3796 34 4.b
-----------------------------------
- ---------------
(1) Exclude mandatory convertible debt reported in Schedule RC-M, item 7.
(2) Do not report in column B the risk-weighted amount of assets reported in
column A.
33
68
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-24
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
SCHEDULE RC-R--CONTINUED
---------------------------------------
(Column A) (Column B)
Assets Credit Equivalent
Recorded Amount
on the of Off-Balance
Balance Sheet Sheet Items(1)
---------------------------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou RCFD Bil Mil Thou
- -------------------------------------------------------------------------------------------------------------
5. Assets and credit equivalent amounts of off-balance sheet items
assigned to the 20 percent risk category:
a. Assets recorded on the balance sheet:
(1) Claims conditionally guaranteed by the U.S. Government
and its agencies and other OECD central governments...... 3798 89,887 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 29,137 5.a.(2)
(3) All other................................................ 3800 1,712,449 5.a.(3)
b. Credit equivalent amount of off-balance sheet items.......... 3801 190,860 5.b.
6. Assets and credit equivalent amounts of off-balance sheet items
assigned to the 50 percent risk category:
a. Assets recorded on the balance sheet......................... 3802 1,336,557 6.a.
b. Credit equivalent amount of off-balance sheet items.......... 3803 1,131 6.b.
7. Assets and credit equivalent amounts of off-balance sheet items
assigned to the 100 percent risk category:
a. Assets recorded on the balance sheet......................... 3804 4,217,844 7.a.
b. Credit equivalent amount of off-balance sheet items.......... 3805 880,550 7.b.
8. On-balance sheet asset values excluded from the calculation of
the risk-based capital ratio(2)................................. 3806 (484) 8.
9. Total assets recorded on the balance sheet (sum of items 4.a,
5.a, 6.a, 7.a, and 8, column A) (must equal Schedule RC, item 12
plus items 4.b and 4.c)......................................... 3807 7,928,606 9.
----------------------------------------
Memoranda
--------------------
Dollar Amounts in Thousands RCFD Bil Mil Thou
- -------------------------------------------------------------------------------------------------------
1. Current credit exposure across all off-balance sheet derivative contracts
covered by the risk-based capital standards................................. 8764 7,410 M.1.
--------------------
----------------------------------------------------------------------
With a remaining maturity of
----------------------------------------------------------------------
Column A) (Column B) (Column C)
Over one year
through five Over five
One year or less years years
----------------------------------------------------------------------
RCFD Tril Bil Mil Thou RCFD Tril Bil Mil Thou RCFD Tril Bil Mil Thou
- -------------------------------------------------------------------------------------------------------------------------
2. Notional principal amounts of off-balance
sheet derivative contracts(3):
a. Interest rate contracts.................... 3809 600 8766 1,288,294 8767 11,881 M.2.a.
b. Foreign exchange contracts................. 3812 19,599 8769 0 8770 0 M.2.b.
c. Gold contracts............................. 8771 0 8772 0 8773 0 M.2.c.
d. Other precious metals contracts............ 8774 0 8775 0 8776 0 M.2.d.
e. Other commodity contracts.................. 8777 0 8778 0 8779 0 M.2.e.
f. Equity derivative contracts................ A000 0 A001 0 A002 0 M.2.f.
----------------------------------------------------------------------
- ---------------
(1) Do not report in column B the risk-weighted amount of assets reported in
column A.
(2) Include the difference between the fair value and the amortized cost of
available-for-sale securities in item 8 and report the amortized cost of
these securities in items 4 through 7 above. Item 8 also includes on-balance
sheet asset values (or portions thereof) of off-balance sheet interest rate,
foreign exchange rate, and commodity contracts and those contracts (e.g.,
futures contracts) not subject to risk-based capital. Exclude from item 8
margin accounts and accrued receivables as well as any portion of the
allowance for loan and lease losses in excess of the amount that may be
included in Tier 2 capital.
(3) Exclude foreign exchange contracts with an original maturity of 14 days or
less and all futures contracts.
34
69
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085 FFIEC 031
Address: First American Center Page RC-25
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
OPTIONAL NARRATIVE STATEMENT CONCERNING THE AMOUNTS
REPORTED IN THE REPORTS OF CONDITION AND INCOME
AT CLOSE OF BUSINESS ON JUNE 30, 1995
First American National Bank Nashville Tennessee
- --------------------------------------------------------- ------------------------------------------ ----------
Legal Title of Bank City State
The management of the reporting bank may, if it wishes, the truncated statement will appear as the bank's
submit a brief narrative statement on the amounts statement both on agency computerized records and in
reported in the Reports of Condition and Income. This computer-file releases to the public.
optional statement will be made available to the public,
along with the publicly available data in the Reports of All information furnished by the bank in the narrative
Condition and Income, in response to any request for statement must be accurate and not misleading.
individual bank report data. However, the information Appropriate efforts shall be taken by the submitting
reported in column A and in all of Memorandum item 1 of bank to ensure the statement's accuracy. The statement
Schedule RC-N is regarded as confidential and will not must be signed, in the space provided below, by a senior
be released to the public. BANKS CHOOSING TO SUBMIT THE officer of the bank who thereby attests to its accuracy.
NARRATIVE STATEMENT SHOULD ENSURE THAT THE STATEMENT
DOES NOT CONTAIN THE NAMES OR OTHER IDENTIFICATIONS OF If, subsequent to the original submission, material
INDIVIDUAL BANK CUSTOMERS, REFERENCES TO THE AMOUNTS changes are submitted for the data reported in the
REPORTED IN THE CONFIDENTIAL ITEMS IN SCHEDULE RC-N, OR Reports of Condition and Income, the existing narrative
ANY OTHER INFORMATION THAT THEY ARE NOT WILLING TO HAVE statement will be deleted from the files, and from
MADE PUBLIC OR THAT WOULD COMPROMISE THE PRIVACY OF disclosure; the bank, at its option, may replace it with
THEIR CUSTOMERS. Banks choosing not to make a statement a statement, under signature, appropriate to the amended
may check the "No comment" box below and should make no data.
entries of any kind in the space provided for the
narrative statement; i.e., DO NOT enter in this space The optional narrative statement will appear in agency
such phrases as "No statement," "Not applicable," "N/A," records and in release to the public exactly as
"No Comment," and "None." submitted (or amended as described in the preceding
paragraph) by the management of the bank (except for the
The optional statement must be entered on this sheet. truncation of statements exceeding the 750-character
The statement should not exceed 100 words. Further, limit described above). THE STATEMENT WILL NOT BE EDITED
regardless of the number of words, the statement must OR SCREENED IN ANY WAY BY THE SUPERVISORY AGENCIES FOR
not exceed 750 characters, including punctuation, ACCURACY OR RELEVANCE. DISCLOSURE OF THE STATEMENT SHALL
indentation, and standard spacing between words and NOT SIGNIFY THAT ANY FEDERAL SUPERVISORY AGENCY HAS
sentences. If any submission should exceed 750 VERIFIED OR CONFIRMED THE ACCURACY OF THE INFORMATION
characters, as defined, it will be truncated at 750 CONTAINED THEREIN. A STATEMENT TO THIS EFFECT WILL
characters with no notice to the submitting bank and APPEAR ON ANY PUBLIC RELEASE OF THE OPTIONAL STATEMENT
SUBMITTED BY THE MANAGEMENT OF THE REPORTING BANK.
- ---------------------------------------------------------------------------------------------------------------------------
No comment: X (RCON 6979) C471 C472 <-
----------------
BANK MANAGEMENT STATEMENT (please type or print clearly):
(TEXT 6980)
---------------------------------------- -------------------
Signature of Executive Officer of Bank Date of Signature
35
70
Legal Title of Bank: First American National Bank Call Date: 6/30/95 ST-BK: 47-2085
Address: First American Center
City, State Zip: Nashville, TN 37237
FDIC Certificate No.: 04956
THIS PAGE IS TO BE COMPLETED BY ALL BANKS
- ----------------------------------------------------------------------------------------------------------------------------------
NAME AND ADDRESS OF BANK OMB No. For OCC: 1557-0081
OMB No. For FDIC: 3064-0052
OMB No. For Federal Reserve: 7100-0036
Expiration Date: 3/31/96
PLACE LABEL HERE
SPECIAL REPORT
(Dollar Amounts in Thousands)
----------------------------------------------------------------------------------
CLOSE OF BUSINESS DATE: FDIC Certificate Number:
6/30/95 04956 C-700 <-
- ----------------------------------------------------------------------------------------------------------------------------------
LOANS TO EXECUTIVE OFFICERS (Complete as of each Call Report Date)
- ----------------------------------------------------------------------------------------------------------------------------------
The following information is required by Public Laws 90-44 and 102-242, but does not constitute a part of the Report of Condition.
With each Report of Condition, these Laws require all banks to furnish a report of all loans or other extensions of credit to their
executive officers made since the date of the previous Report of Condition. Data regarding individual loans or other extensions of
credit are not required. If no such loans or other extensions of credit were made during the period, insert "none" against subitem
(a). (Exclude the first $15,000 of indebtedness of each executive officer under bank credit card plan.) See Sections 215.2 and 215.3
of Title 12 of the Code of Federal Regulations (Federal Reserve Board Regulation O) for the definitions of "executive officer" and
"extension of credit," respectively. Exclude loans and other extensions of credit to directors and principal shareholders who are
not executive officers.
- ---------------------------------------------------------------------------------------------------------------------------
a. Number of loans made to executive officers since the previous ----------------------------------
Call Report date. . . . . . . . . . . . . . . . . . . . . . . . . . RCFD 3561 0 a.
----------------------------------
b. Total dollar amount of above loans (in thousands of dollars) . . . . RCFD 3562 0 b.
----------------------------------
c. Range of interest charged on above loans (example: -------------------------------------------------
9 3/4% = 9.75) . . . . . . . . . . . . . . . . . . . RCFD 7701 0.00 % to RCFD 7702 0.00 % c.
-------------------------------------------------
- ---------------------------------------------------------------------------------------------------------------------------
- ---------------------------------------------------------------------------------------------------------------------------
SIGNATURE AND TITLE OF OFFICER AUTHORIZED TO SIGN REPORT DATE (Month, Day, Year):
- ----------------------------------------------------------------------- ----------------------------------------------
NAME AND TITLE OF PERSON TO WHOM INQUIRIES MAY BE DIRECTED (TEXT 8903) AREA CODE/PHONE NUMBER
EXTENSION (TEXT 8904)
Janice Kirkpatrick, Assistant Vice President (615) 781-7291
- ---------------------------------------------------------------------------------------------------------------------------
FDIC 8040/53 (6-95)
36