| Schedule |
Item #
|
Amount |
Item Name/Comments |
| CALCULATION
OF ELIGIBLE TIER 1 CAPITAL |
| Components
of Tier 1 Capital: |
| 1.
RC |
24 plus
25 |
_________ |
Common
stock and surplus |
| 2.
RC |
26.a plus
27 |
_______ |
Undivided
profits and F/X translation adjustment |
3.
RC-B
RC-B |
6
col. C minus
6 col. D |
_______ |
Unrealized
loss on equity securities (subtract total of items 6.a and b,
column D, from total of items 6.a and b, column C; however,
if the amount is negative, enter zero) |
| 4.
RC-M |
9 |
_______ |
Qualifying
perpetual preferred stock & related surplus |
| 5.
RC-G |
3
|
_______ |
Qualifying
minority interest in the equity accounts of consolidated subsidiaries
(exclude nonqualifying portions) |
| 6.
Line 1, plus line 2 minus line 3, plus lines 4 and 5
|
_______ |
"Gross"
Tier 1 Capital |
| Adjustments
to Tier 1 Capital: |
| 7.
RC-M |
6.b.(2) |
_______ |
LESS:
All other identifiable intangible assets |
| 8.
RC-M |
6.c. |
_______ |
LESS:
Goodwill |
| 9.
RC-M |
6.e.
|
_______ |
PLUS: Intangible
assets that have been grandfathered or are otherwise qualifying
for regulatory capital purposes |
| 10.
Line 6 minus lines 7 and 8 plus line 9 |
_______ |
"Adjusted
Gross" Tier 1 Capital |
| 11.
25% of line 10 |
_______ |
Limitation
on the amount of purchased credit card relationships (PCCRs)
that may be held as an asset |
| 12.
50% of line 10 |
_______ |
Limitation
on the total amount of mortgage servicing assets (MSAs) and
PCCRs that can be held as assets |
| 13.
RC-M |
6.b.(1) |
_______ |
Intangible
assets: PCCRs (If 90% of the fair value of PCCRs is less than
RC-M, item 6.b.(1), enter 90% of the fair value on line 13 and
add the difference to line 14) |
| 14.
Line 13 minus line 11 |
_______ |
Disallowed
PCCRs: If line 13 minus line 11 is a negative number, enter
0; otherwise, enter the difference |
| 15.
RC-M |
6.a.
|
_______ |
Intangible
assets: MSAs (If 90% of the fair value of MSAs, as reported
in RC-M, item 6.a.(1), is less than RC-M, item 6.a, enter 90%
of the fair value on line 15 and add the difference to line
17) |
| 16.
Line 15 plus the lesser of line 11 or line 13 |
_______ |
MSAs
plus the qualifying portion of PCCRs |
| 17.
Line 16 minus 12 |
_______ |
Disallowed
MSAs and PCCRs based on an aggregate limitation (If
line 16 minus line 12 is a negative number, enter 0; otherwise,
enter the difference) |
| 18.
RC-F |
Memo
#1 |
_______ |
Disallowed
deferred tax assets |
| 19.
Sum of lines 14, 17 and 18 |
_______ |
Total
disallowed MSAs, PCCRs and deferred tax assets1 |
| 20.
Line 10 minus line 19 |
_______ |
Tier
1 Capital
(report in Schedule RC-R, item 3.a) |
| CALCULATION OF ELIGIBLE TIER 2 CAPITAL |
| Components
of Tier 2 Capital: |
| 21.
RC-R |
2.a
|
_______ |
Portion
of qualifying subordinated debt and intermediate-term preferred
stock and related surplus that is includible in Tier 2 capital |
| 22.
RC-R |
2.b
|
_______ |
Portion
of other qualifying limited-life capital instruments that is
includible in Tier 2 capital |
23.
RC
RC-M |
23
minus 9 |
_______ |
Cumulative
perpetual preferred stock |
| 24.
RC-M |
7
|
_______ |
Mandatory
convertible debt, net of common or perpetual preferred stock
dedicated to redeem the debt |
25.
Sum of lines 21, 22, 23
and 24 |
_______ |
Tier
2 capital components BEFORE the addition of qualifying allowance
for loan and lease losses (ALLL)2 |
Calculation
of Risk-Weighted Assets: |
| 26.
"Gross" risk-weighted assets from Worksheet Part 2, Row
28 [or from of "gross" risk-weighted assets excluding assets
deducted for capital purposes, but before deducting any excess
(disqualified) ALLL and any allocated transfer risk reserve]
|
_______ |
"Gross"
Risk-Weighted Assets
excluding assets deducted for capital purposes, but before deducting
any excess (disqualified) allowance for loan and lease losses
and any allocated transfer bank's own calculation risk reserve. |
| Constraint
on Allowance for Loan and Lease Losses (ALLL): |
| 27.
1.25% of line 26 |
_______ |
Maximum
amount of ALLL permitted in Tier 2 capital |
| 28.
RC |
4.b.
|
_______ |
Allowance
for Loan and Lease Losses (ALLL) |
29.
Enter the lesser of lines
27 or 28 |
_______ |
Amount
of the ALLL allowed in Tier 2 capital |
| 30.
Subtract line 29 from 28 |
_______ |
Excess
(disqualified) ALLL (report in Schedule RC-R, item 3.d) |
| 31.
Add lines 25 and 29 |
_______ |
Eligible
Tier 2 capital |
32.
Enter the lesser of lines
20 or 31 |
_______ |
Tier
2 Capital
(report in Schedule RC-R, item 3.b) |
| 33.
RC-M |
Memo
1.a (from 12-31-96 Call Report) and from bank records |
_______ |
Reciprocal
holdings of bank capital instruments plus investments, both
equity and debt, in unconsolidated banking and finance subsidiaries
that are deemed to be capital of the subsidiary, plus any other
assets that must be deducted when determining total risk-based
capital in accordance with the requirements of the bank's primary
federal supervisory authority. |
| 34.
Line 20 plus line 32 minus line 33 |
_______ |
Total
Risk-Based Capital
(report in Schedule RC-R, item 3.c) |
| CALCULATION
OF RISK-BASED CAPITAL (RBC) RATIOS |
| 35.
RC |
4.c.
|
_______ |
Allocated
Transfer Risk Reserve (ATRR) |
| 36.
Line 26 minus the sum of lines 30 and 35
|
_______ |
Risk-Weighted
Assets (after deduction of all disallowed intangibles, disallowed
deferred tax assets, the excess ALLL, and ATRR) [report in
Schedule RC-R, item 3.e] |
| 37.
Divide line 34 by line 36 and multiply by 100 |
_______% |
Total
RBC Ratio |
| 38.
Divide line 20 by line 36 and multiply by 100 |
_______% |
Tier
1 RBC Ratio |
