Consolidated Reports of Condition and Income for a Bank with Domestic and Foreign Offices

Legal Form NumberFFIEC 031
SectionFederal Deposit Insurance Corporation
The estimated average burden associated with this information collection is 86.49 hours per respondent and is expected to vary by institution, depending on individual circumstances. Burden
estimates include the time for reviewing instructions, gathering and maintaining data in the required form, and completing the information collection, but exclude the time for compiling and
maintaining business records in the normal course of a respondent’s activities. A Federal agency may not conduct or sponsor, and an organization (or a person) is not required to respond to
a collection of information, unless it displays a currently valid OMB control number. Comments concerning the accuracy of this burden estimate and suggestions for reducing this burden
should be directed to the Office of Information and Regulatory Affairs, Office of Management and Budget, Washington, DC 20503, and to one of the following: Secretary, Board of Governors
of the Federal Reserve System, 20th and C Streets, NW, Washington, DC 20551; Legislative and Regulatory Analysis Division, Office of the Comptroller of the Currency, Washington, DC
20219; Assistant Executive Secretary, Federal Deposit Insurance Corporation, Washington, DC 20429.
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
Approval expires December 31, 2024
Page 1 of 91
Federal Financial Institutions Examination Council
Consolidated Reports of Condition and Income for
a Bank with Domestic and Foreign Offices—FFIEC 031
Report at the close of business December 31, 2022
This report is required by law: 12 U.S.C. § 324 (State member
banks); 12 U.S.C. §1817 (State nonmember banks); 12 U.S.C. §161
(National banks); and 12 U.S.C. §1464 (Savings associations).
(20221231)
(RCON 9999)
This report form is to be filed by (1) banks with branches and
consolidated subsidiaries in U.S. territories and possessions,
Edge or Agreement subsidiaries, foreign branches, consolidated
foreign subsidiaries, or International Banking Facilities, (2) banks
with domestic offices only and total consolidated assets of $100
billion or more, and (3) banks that are advanced approaches
institutions for regulatory capital purposes.
NOTE: Each bank’s board of directors and senior management are
responsible for establishing and maintaining an effective system of
internal control, including controls over the Reports of Condition and
Income. The Reports of Condition and Income are to be prepared in
accordance with federal regulatory authority instructions. The Reports
of Condition and Income must be signed by the Chief Financial
Officer (CFO) of the reporting bank (or by the individual performing an
equivalent function) and attested to by not less than two directors
(trustees) for state nonmember banks and three directors for state
member banks, national banks, and savings associations.
I, the undersigned CFO (or equivalent) of the named bank, attest
that the Reports of Condition and Income (including the supporting
Signature of Chief Financial Officer (or Equivalent)
Date of Signature
We, the undersigned directors (trustees), attest to the correct-
ness of the Reports of Condition and Income (including the sup-
porting schedules) for this report date and declare that the
Reports of Condition and Income have been examined by us and
to the best of our knowledge and belief have been prepared in
conformance with the instructions issued by the appropriate
Federal regulatory authority and are true and correct.
Director (Trustee)
Director (Trustee)
Director (Trustee)
Submission of Reports
Each bank must file its Reports of Condition and Income (Call
Report) data by either:
(a) Using computer software to prepare its Call Report and then
submitting the report data directly to the FFIEC’s Central Data
Repository (CDR), an Internet-based system for data collec-
tion (https://cdr.ffiec.gov/cdr/), or
(b) Completing its Call Report in paper form and arranging with a
software vendor or another party to convert the data into the
electronic format that can be processed by the CDR. The soft-
ware vendor or other party then must electronically submit the
bank’s data file to the CDR.
For technical assistance with submissions to the CDR, please
contact the CDR Help Desk by telephone at (888) CDR-3111, by
fax at (703) 774-3946, or by e-mail at cdr.help@cdr.ffiec.gov.
Legal Title of Bank (RSSD 9017)
City (RSSD 9130)
State Abbreviation (RSSD 9200) Zip Code (RSSD 9220)
FDIC Certificate Number
(RSSD 9050)
To fulfill the signature and attestation requirement for the Reports
of Condition and Income for this report date, attach your bank’s
completed signature page (or a photocopy or a computer gener-
ated version of this page) to the hard-copy record of the data file
submitted to the CDR that your bank must place in its files.
Legal Entity Identifier (LEI)
(Report only if your institution already has an LEI.) (RCON 9224)
The appearance of your bank’s hard-copy record of the
submitted data file need not match exactly the appearance of the
FFIEC’s sample report forms, but should show at least the
caption of each Call Report item and the reported amount.
schedules) for this report date have been prepared in confor-
mance with the instructions issued by the appropriate Federal
regulatory authority and are true and correct to the best of my
knowledge and belief.
Unless the context indicates otherwise, the term “bank” in this
report form refers to both banks and savings associations.
12/2022
FFIEC 031
Page 2 of 91
Consolidated Reports of Condition and Income for a Bank
with Domestic and Foreign Offices
Table of Contents
Signature Page ............................................................ 1
Contact Information................................................. 3, 4
Report of Income
Schedule RI—Income Statement .................... RI-1, 2, 3, 4
Schedule RI-A—Changes in Bank Equity Capital..........RI-5
Schedule RI-B—Charge-offs and Recoveries on
Loans and Leases and Changes in Allowances
for Credit Losses:
Schedule RI-E—Explanations.............................RI-11, 12
Report of Condition
Schedule RC—Balance Sheet......................... RC-1, 2, 3
Schedule RC-A—Cash and Balances Due
from Depository Institutions ..................................RC-4
Schedule RC-B—Securities ..... .................. RC-4, 5, 6, 7, 8
Schedule RC-C—Loans and Lease Financing
Receivables:
Part I. Loans and Leases................RC-9, 10, 11, 12, 13
Part II. Loans to Small Businesses and
Small Farms ............................................ RC-14, 15
Schedule RC-D—Trading Assets and Liabilities
(to be completed only by selected
banks)..........................................................RC-16, 17
Schedule RC-E—Deposit Liabilities:
Schedule RC-F—Other Assets ............................... RC-21
Schedule RC-G—Other Liabilities............................ RC-21
Schedule RC-H—Selected Balance Sheet Items for
Domestic Offices ...........................................RC-22, 23
Schedule RC-K—Quarterly Averages .....................RC-24
Schedule RC-L—Derivatives and
Off-Balance-Sheet Items.................... RC-25, 26, 27, 28
Schedule RC-M—Memoranda............... RC-29, 30, 31, 32
Schedule RC-P—1–4 Family Residential Mortgage
Banking Activities in Domestic Offices
(to be completed only by selected banks) ............RC-44
Schedule RC-R—Regulatory Capital:
Schedule RC-I—Assets and Liabilities of IBFs .......... RC-23
Schedule RC-S—Servicing, Securitization,
and Asset Sale Activities .........................RC-67, 68, 69
Schedule RC-T—Fiduciary and Related
Services........................................... RC-70, 71, 72, 73
Schedule RC-V—Variable Interest Entities .............. RC-74
Optional Narrative Statement Concerning
the Amounts Reported in the Consolidated Reports
of Condition and Income..................................... RC-75
Part II. Risk-Weighted Assets .......................RC-53, 54,
.............. 5355, 56, 57, 58, 59, 60, 61, 62, 63, 64, 65, 66
Part I. Regulatory Capital Components
and Ratios................................RC-48, 49, 50, 51, 52
Schedule RC-N—Past Due and Nonaccrual Loans,
Leases, and Other Assets ............RC-33, 34, 35, 36, 37
Schedule RC-O—Other Data for Deposit Insurance
Assessments......................... RC-38, 39, 40, 41, 42, 43
Schedule RC-Q—Assets and Liabilities Measured
at Fair Value on a Recurring Basis
(to be completed only by selected banks).. RC-45, 46, 47
Schedule RI-D—Income from Foreign Offices ...........RI-10
Schedule RI-C—Disaggregated Data on the
Allowance for Loan and Lease Losses
(to be completed only by selected banks):
For information or assistance, national banks, state nonmember banks, and savings associations should contact the FDIC’s Data
Collection and Analysis Section, 550 17th Street, NW, Washington, DC 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.
06/2020
Part II. Changes in Allowances for Credit
Losses ..............................................................RI-7
Part I. Charge-offs and Recoveries on Loans and
Leases ..........................................................RI-5, 6
Part I.
Disaggregated Data on the Allowance for Loan
and Lease Losses
..............................................RI-8
Part II.
Disaggregated Data on the Allowances for Credit
Losses
...............................................................RI-9
Part II. Deposits in Foreign Offices (including
Edge and Agreement Subsidiaries and IBFs).... RC-20,
Part I. Deposits in Domestic Offices ........ RC-18, 19, 20
FFIEC 031
Page 3 of 91
09/2016
Contact Information for the Reports of Condition and Income
To facilitate communication between the Agencies and the bank concerning the Reports of Condition and Income, please provide
contact information for (1) the Chief Financial Officer (or equivalent) of the bank signing the reports for this quarter, and (2) the person
at the bank—other than the Chief Financial Officer (or equivalent)—to whom questions about the reports should be directed. If the Chief
Financial Officer (or equivalent) is the primary contact for questions about the reports, please provide contact information for another
person at the bank who will serve as a secondary contact for communications between the Agencies and the bank concerning the
Reports of Condition and Income. Enter “none” for the contact’s e-mail address or fax number if not available. Contact information for
the Reports of Condition and Income is for the confidential use of the Agencies and will not be released to the public.
Chief Financial Officer (or Equivalent)
Signing the Reports
Name (TEXT C490)
Title (TEXT C491)
E-mail Address (TEXT C492)
Area Code / Phone Number / Extension (TEXT C493)
Area Code / FAX Number (TEXT C494) Area Code / FAX Number (TEXT 9116)
Emergency Contact Information
This information is being requested so the Agencies can distribute critical, time-sensitive information to emergency contacts at banks.
Please provide primary contact information for a senior official of the bank who has decision-making authority. Also provide information
for a secondary contact if available. Enter “none” for the contact’s e-mail address or fax number if not available. Emergency contact
information is for the confidential use of the Agencies and will not be released to the public.
Primary Contact
Name (TEXT C366)
Title (TEXT C367) Title (TEXT C372)
Name (TEXT C371)
Secondary Contact
E-mail Address (TEXT C368)
Area Code / Phone Number / Extension (TEXT C369)
Area Code / FAX Number (TEXT C370) Area Code / FAX Number (TEXT C375)
Area Code / Phone Number / Extension (TEXT C374)
E-mail Address (TEXT C373)
Chief Executive Officer
Name (TEXT FT42)
E-mail Address (TEXT FT44) Area Code / FAX Number (TEXT FT45)
Area Code / Phone Number / Extension (TEXT FT43)
Area Code / Phone Number / Extension (TEXT 8902)
E-mail Address (TEXT 4086)
Title (TEXT C496)
Name (TEXT C495)
Other Person to Whom Questions about the
Reports Should be Directed
Chief Executive Officer Contact Information
This information is being requested so the Agencies can distribute notifications about policy initiatives, deposit insurance
assessments, and other matters directly to the Chief Executive Officers of reporting institutions. Notifications about other matters
may include emergency notifications that may or may not also be sent to the institution's emergency contacts listed below. Please
provide contact information for the Chief Executive Officer of the reporting institution. Enter "none" for the Chief Executive Officer's
e-mail address or fax number if not available. Chief Executive Officer contact information is for the confidential use of the Agencies
and will not be released to the public.

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