# Codes

CodeText:
Losses or Adjustments to Investments or Derivative Activities


# Double EXOF 031

Msg1:
If (RC-P4A Prev > 0) and (RC-4A Curr > 0) and (RC-C1C2A Column B > 0), then RC-P4A Curr Should Be > 0). "First liens" (RC-P 4.a.) = $ & !RCONF072!

Msg2:
Last quarter, your bank reported "Closed-end 1-4 family residential mortgage loans held for sale at quarter-end" secured by "First liens" (RC-P 4.a.) of $  & !PQ1RCONF072! & . However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
If (RC-P4B Prev > 0) and (RC-4A Curr > 0) and (RC-C1C2B Column B > 0), then RC-P4B Curr Should Be > 0). "Junior liens" (RC-P 4B) = $ & !RCONF073!

Msg2:
Last quarter, your bank reported "Closed-end 1-4 family residential mortgage loans held for sale at quarter-end" secured by "Junior liens" (RC-P 4.b.) of $  & !PQ1RCONF073! & . However, this quarter you reported none. Please review your reported data, and explain or revise as appropriate.


# Double EXOF 041

Msg1:
If (RC-P4A Prev > 0) and (RC-4A Curr > 0) and (RC-C1C2A Column B > 0), then RC-P4A Curr Should Be > 0). "First liens" (RC-P 4.a.) = $ & !RCONF072!

Msg2:
Last quarter, your bank reported "Closed-end 1-4 family residential mortgage loans held for sale at quarter-end" secured by "First liens" (RC-P 4.a.) of $  & !PQ1RCONF072! & . However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
If (RC-P4B Prev > 0) and (RC-4A Curr > 0) and (RC-C1C2B Column B > 0), then RC-P4B Curr Should Be > 0). "Junior liens" (RC-P 4B) = $ & !RCONF073!

Msg2:
Last quarter, your bank reported "Closed-end 1-4 family residential mortgage loans held for sale at quarter-end" secured by "Junior liens" (RC-P 4.b.) of $  & !PQ1RCONF073! & . However, this quarter you reported none. Please review your reported data, and explain or revise as appropriate.


# EC

Msg1:
SCHEDULE RC-E, PART 1 CONTAINS NEGATIVE ENTRIES

Msg2:
Negative entries are not appropriate on Schedule RC-E, Part 1 and shall not be reported. Hence, assets with credit balances must be reported in liability items and liabilities with debit balances must be reported in asset items, as appropriate, and in accordance with the instructions. Please revise.


Msg1:
SCHEDULE RC-E MEMORANDUM CONTAINS NEGATIVE ENTRIES.

Msg2:
Negative entries are not appropriate on Schedule RC-E Memorandum and shall not be reported. Hence, assets with credit balances must be reported in liability items and liabilities with debit balances must be reported in asset items, as appropriate, and in accordance with the instructions. Please revise.


Msg2:
Negative entries are not appropriate on Schedule RC-H and shall not be reported. Hence, assets with credit balances must be reported in liability items and liabilities with debit balances must be reported in asset items, as appropriate, and in accordance with the instructions. Please revise.


Msg2:
Negative entries are not appropriate on Schedule RC-O and shall not be reported. Hence, assets with credit balances must be reported in liability items and liabilities with debit balances must be reported in asset items, as appropriate, and in accordance with the instructions. Please revise.


Msg1:
SCHEDULE RC-O MEMORANDUM ITEM 17B SHOULD NOT BE NEGATIVE &  & REFER TO SHORT MESSAGE TEXT

Msg2:
A negative amount is not appropriate on Schedule RC-O, Memorandum item 17B, and shall not be reported. Please revise your reported data.


Msg1:
SCHEDULE RC-T, ITEMS 14 THROUGH 25 CONTAIN NEGATIVE ENTRIES

Msg2:
Except item 24, negative entries are not appropriate on Schedule RC-T, items 14 through 25 and shall not be reported. Hence, assets with credit balances must be reported in liability items and liabilities with debit balances must be reported in asset items, as appropriate, and in accordance with the instructions. Please revise.


Msg1:
SCHEDULE RC-T, MEMORANDUM ITEM 4 CONTAINS NEGATIVE ENTRIES

Msg2:
Negative entries are not appropriate on Schedule RC-T, Memorandum item 4 and shall not be reported. Hence, assets with credit balances must be reported in liability items and liabilities with debit balances must be reported in asset items, as appropriate, and in accordance with the instructions. Please revise.


Msg1:
SCHEDULE RI-A, ITEMS 8 AND 9 CONTAIN NEGATIVE ENTRIES

Msg2:
Negative entries are not appropriate on Schedule RI-A, items 8 and 9. Please revise.


Msg1:
SCHEDULE RI-B, PART 1, COLUMN A CONTAINS NEGATIVE ENTRIES.  &  & RI-B I Col A should not have negative values.

Msg2:
Negative entries are not appropriate on Schedule RI-B, Part 1, Column A and shall not be reported. Please revise.


Msg1:
SCHEDULE RI-B, PART 1, COLUMN B CONTAINS NEGATIVE ENTRIES.  &  & RI-B I Col B should not have negative values.

Msg2:
Negative entries are not appropriate on Schedule RI-B, Part 1, Column B and shall not be reported. Please revise.


Msg1:
SCHEDULE RI-B, PART 2 CONTAINS NEGATIVE ENTRIES

Msg2:
Except items 4, 5, and 6, negative entries are generally not appropriate on Schedule RI-B, Part 2 and should not be reported. Please review your reported data and revise or explain as appropriate.


Msg1:
SCHEDULE RI-D, ITEMS 1 AND/OR 2 CONTAIN NEGATIVE ENTRIES

Msg2:
Negative entries are not appropriate on Schedule RI-D, items 1 or 2. Please review your reported data, and explain or revise as appropriate.


Msg1:
RCT-4A SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RCONB868!

Msg2:
Managed personal trust and agency accounts [RCT-4A] $ & !RCONB868! &   has a negative balance.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RCT-4B SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RCONB869!

Msg2:
Non-managed personal trust and agency accounts [RCT-4B] $ & !RCONB869! &   has a negative balance.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
INT ON AGRICULTURAL LOANS SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4024!

Msg2:
Interest and fee income on loans to finance agricultural production and other loans to farmers in domestic offices $ & !RIAD4024! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
ITEMS WITHIN RI-1A SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4012!

Msg2:
Interest and fee income on commercial and industrial loans [within RI-1A] $ & !RIAD4012! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
ITEMS WITHIN RI-1A SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIADB485!

Msg2:
Interest income on credit cards [within RI-1A] $ & !RIADB485! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
ITEMS WITHIN RI-1A SHOULD BE NON-NEGATIVE  &  &  Amt Reported  =   & !RIADB486!

Msg2:
Interest income on loans to individuals for household, family, and other personal expenditure  [within RI-1A] $ & !RIADB486! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
ITEMS WITHIN RI-1A SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4056!

Msg2:
Interest and fee income on loans to foreign governments and official institutions in domestic offices [within RI-1A] $ & !RIAD4056! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-1A1F SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIADB487!

Msg2:
Interest income on all other loans in domestic offices [RI-1A1F] $ & !RIADB487! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-1A2 SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4059!

Msg2:
Interest and fee income on loans in foreign offices, edge and agreement subsidiaries, and ibfs [RI-1A2] $ & !RIAD4059! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
ITEMS WITHIN RI-1A SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4010!

Msg2:
Interest and fee income on loans  [within RI-1A] $ & !RIAD4010! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-1A5 SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4058!

Msg2:
Interest and fee income on all other loans in domestic offices [RI-1A5] $ & !RIAD4058! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-1B SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4065!

Msg2:
Income from lease financing receivables [RI-1B] $ & !RIAD4065! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-1C SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4115!

Msg2:
Interest income on balances due from depository institutions [RI-1C] $ & !RIAD4115! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-1D1 SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIADB488!

Msg2:
Interest and dividend income on U.S. Treasury securities and U.S. government agency obligations (excluding mortgage-backed securities) [RI-1D1] $ & !RIADB488! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-1D2 SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIADB489!

Msg2:
Interest and dividend income on mortgage-backed securities [RI-1D2] $ & !RIADB489! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-1D3 SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4060!

Msg2:
Interest on other securities [RI-1D3] $ & !RIAD4060! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-1E SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4069!

Msg2:
Interest income from trading assets [RI-1E] $ & !RIAD4069! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-1F SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4020!

Msg2:
Interest income on federal funds sold and securities purchased under agreements to resell [RI-1F] $ & !RIAD4020! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-1G SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4518!

Msg2:
Other interest income [RI-1G] $ & !RIAD4518! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-1H SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4107!

Msg2:
Total interest income [RI-1H] $ & !RIAD4107! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
ITEMS WITHIN RI-2A SHOULD BE NON-NEGATIVE  &  &  Amt Reported  =   & !RIAD4508!

Msg2:
Interest expense on transaction accounts (interest-bearing demand deposits, now accounts, ats accounts, and telephone and preauthorized transfer accounts) [within RI-2A] $ & !RIAD4508! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
ITEMS WITHIN RI-2A SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD0093!

Msg2:
Interest expense on savings deposits (including mmdas) [within RI-2A] $ & !RIAD0093! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
ITEMS WITHIN RI-2A SHOULD BE NON-NEGATIVE  &  &  Amt Reported  =   & !RIADHK03!

Msg2:
Interest expense on time deposits of $250,000 or less [within RI-2A] $ & !RIADHK03! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
ITEMS WITHIN RI-2A SHOULD BE NON-NEGATIVE  &  &  Amt Reported  =   & !RIADHK04!

Msg2:
Interest expense on time deposits of more than $250,000 (within RI-2A )  $ & !RIADHK04! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-2A2 SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4172!

Msg2:
Interest expense on deposits in foreign offices, edge and agreement subsidiaries, and ibfs [RI-2A2] $ & !RIAD4172! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-2B SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4180!

Msg2:
Expense of federal funds purchased and securities sold under agreements to repurchase [RI-2B] $ & !RIAD4180! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-2C SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4185!

Msg2:
Interest expense on demand notes issued to the u.s. treasury, trading liabilities,  and other borrowed money [RI-2C] $ & !RIAD4185! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-2D SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4200!

Msg2:
Interest expense on notes and debentures subordinated to deposits [RI-2D] $ & !RIAD4200! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-2E SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4073!

Msg2:
Total interest expense [RI-2E] $ & !RIAD4073! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-5A SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4070!

Msg2:
Income from fiduciary activities [RI-5A] $ & !RIAD4070! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-5B SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4080!

Msg2:
Service charges on deposit accounts in domestic offices [RI-5B] $ & !RIAD4080! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-7A SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4135!

Msg2:
Salaries and employee benefits [RI-7A] $ & !RIAD4135! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-7C1 SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIADC216!

Msg2:
Goodwill impairment losses [RI-7C1] $ & !RIADC216! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-7C2 SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIADC232!

Msg2:
Amortization expense and impairment losses intangible assets [RI-7C2] $ & !RIADC232! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-7E SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4093!

Msg2:
Total noninterest expense [RI-7E] $ & !RIAD4093! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-M1 SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4513!

Msg2:
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 [RI-M1] $ & !RIAD4513! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-M2 SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD8431!

Msg2:
Income from the sale and servicing of mutual funds and annuities [RI-M2] $ & !RIAD8431! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-M3 SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4313!

Msg2:
Estimated income on tax-exempt loans and leases to states and political subdivisions in the U.S. [RI-M3] $ & !RIAD4313! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RI-M4 SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4507!

Msg2:
Interest and dividend income on tax-exempt securities issued by states and political subdivisions in the U.S. [RI-M4] $ & !RIAD4507! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
ITEMS WITHIN RI-1A1 SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4435!

Msg2:
Interest and fee income on loans secured by 1-4 family residential properties [within RI-1A1] $ & !RIAD4435! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
ITEMS WITHIN RI-1A1 SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4436!

Msg2:
Interest and fee income on all other loans secured real estate [within RI-1A1] $ & !RIAD4436! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RIE-1A Col B SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIADC013!

Msg2:
Income and fees from the printing and sale of checks [RIE-1A Col B] $ & !RIADC013! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RIE-1B Col B SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIADC014!

Msg2:
Earnings on/increase in value of cash surrender value of life insurance [RIE-1B Col B] $ & !RIADC014! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RIE-1C Col B SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIADC016!

Msg2:
Income and fees from automated teller machines (atms) [RIE-1C Col B] $ & !RIADC016! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RIE-1D Col B SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4042!

Msg2:
Gross income from real estate owned operations [RIE-1D Col B] $ & !RIAD4042! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RIE-1E Col B SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIADC015!

Msg2:
Safe deposit box rent [RIE-1E Col B] $ & !RIADC015! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RIE-2A Col B SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIADC017!

Msg2:
Data processing expenses [RIE-2A Col B] $ & !RIADC017! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RIE-2B Col B SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD0497!

Msg2:
Fees for marketing and other professional services [RIE-2B Col B] $ & !RIAD0497! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RIE-2C Col B SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4136!

Msg2:
Directors` fees [RIE-2C Col B] $ & !RIAD4136! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RIE-2D Col B SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIADC018!

Msg2:
Printing, stationery, and supplies expenses [RIE-2D Col B] $ & !RIADC018! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RIE-2E Col B SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD8403!

Msg2:
Operating expenses communications [RIE-2E Col B] $ & !RIAD8403! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RIE-2F Col B SHOULD BE NON-NEGATIVE  Amt Reported  =   & !RIAD4141!

Msg2:
Legal expense [RIE-2F Col B] $ & !RIAD4141! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
RIE-2G SHOULD BE NON-NEGATIVE  &  &  Amt Reported  =   & !RIAD4146!

Msg2:
Federal insurance premium [RIE-2G] $ & !RIAD4146! &  has a negative balance. Income Statement items should reflect cumulative year-to-date totals.  Please revise or provide an explanation for the negative amount in this item.


Msg1:
SCHEDULE RC-Q 1 THRU 14 CONTAINS NEGATIVE ENTRIES. &  & None Available -- Please refer to the Short Message Text.

Msg2:
Negative entries are not appropriate for some of items in Schedule RC-Q 1 through 14. Therefore, assets with credit balances must be reported in liability items and liabilities with debit balances must be reported in asset items, as appropriate, and in accordance with the instructions.  Please revise your reported data.


Msg1:
SCHEDULE RC-Q M1 and M2 CONTAINS NEGATIVE ENTRIES. &  & None Available -- Please refer to the Short Message Text.

Msg2:
Negative entries are not appropriate for some items in Schedule RC-Q M.1 and M.2. Therefore, assets with credit balances must be reported in liability items and liabilities with debit balances must be reported in asset items, as appropriate, and in accordance with the instructions.  Please revise your reported data.


Msg1:
SUM OF (RI-1A1A1 THRU 1A2) MUST = (RI-1A3) TOTAL INT AND FEES ON LOANS &  &  &  (!RIAD4435! + !RIAD4436! + !RIAD4024! + !RIAD4012! + !RIADB485! + !RIADB486! + !RIAD4056! + !RIADB487! + !RIAD4059!) &   does not equal  & !RIAD4010!

Msg2:
The sum of the components of "Interest and fee income" (RI 1.a.(1)(a)(1) through 1.a.(2)) of $ & !RIAD4435! +  !RIAD4436! + !RIAD4024! + !RIAD4012! + !RIADB485! + !RIADB486! +  !RIAD4056! + !RIADB487! + !RIAD4059! &  must equal "Total interest and fee income on loans" (RI 1.a.(3)) of $ & !RIAD4010! & .  Please revise your reported data.


Msg1:
SUM OF (RI-1A1A THRU 1A5) MUST = (RI-1A6) TOTAL INT AND FEES ON LOANS.

Msg2:
The sum of the components of "Interest and fee income" (RI 1.a.(1)(a) through 1.a.(5)) of $ & !RIAD4435! + !RIAD4436! + !RIAD4012! + !RIADB485! + !RIADB486!  + !RIAD4058!  &  must equal "Total interest and fee income on loans" (RI 1.a.(6)) of $ & !RIAD4010! & .  Please revise your reported data.


Msg2:
"Total interest income" (RI 1.h.) of $ & !RIAD4107! &  must equal the sum of the components of "Interest income" (RI 1.a.(6) through 1.g.) of $ &(!RIAD4010! + !RIAD4065! + !RIAD4115! + !RIADB488! + !RIADB489! + !RIAD4060! + !RIAD4020! + !RIAD4518!)& .  Please revise your reported data.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI-1A2)Curr =  & !RIAD4012! &  ;  Prior =  & !PQ1RIAD4012! &  ;  Difference =  & !RIAD4012! - !PQ1RIAD4012!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4012! &  your bank reported this quarter for "Interest income on commercial and industrial loans" (RI 1.a.(2)) should be greater than or equal to the $ & !PQ1RIAD4012! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR INT INC CRED CARD LNS (RI-1A3A) S/B >= PREV MINUS $2KCurr =  & !RIADB485! &  ;  Prior =  & !PQ1RIADB485! &  ;  Difference =  & !RIADB485! - !PQ1RIADB485!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIADB485! &  your bank reported this quarter for "Interest income on credit card loans to individuals for household, family, and other personal expenditures" (RI 1.a.(3)(a)) should be greater than or equal to the $ & !PQ1RIADB485! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI-1A3B)Curr =  & !RIADB486! &  ;  Prior =  & !PQ1RIADB486! &  ;  Difference =  & !RIADB486! - !PQ1RIADB486!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIADB486! &  your bank reported this quarter for "Interest income on other loans to individuals for household, family, and other personal expenditures" (RI 1.a.(3)(b)) should be greater than or equal to the $ & !PQ1RIADB486! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
SUM OF (RI-2A1A THRU 2D) MUST EQUAL TOTAL INTEREST  EXPENSE (RI-2E).  &  & Sum =  & (!RIAD4508! + !RIAD0093! + !RIADHK03! + !RIADHK04! + !RIAD4172! + !RIAD4180! + !RIAD4185! + !RIAD4200!) &  ;  Reported =  & !RIAD4073! &  ;  Difference =  & !RIAD4073! - (!RIAD4508! + !RIAD0093! + !RIADHK03! + !RIADHK04! + !RIAD4172! + !RIAD4180! + !RIAD4185! + !RIAD4200!)

Msg2:
"Total interest expense" (RI 2.e.) of $ & !RIAD4073! &  must equal the sum of the components of "Interest expense" (RI 2.a.(1)(a) through 2.d.) of $ & (!RIAD4508! + !RIAD0093! + !RIADHK03! + !RIADHK04! + !RIAD4172! + !RIAD4180! + !RIAD4185! + !RIAD4200!) & .  Please revise your reported data.


Msg1:
SUM OF (RI-2A1 THRU 2D) MUST EQUAL TOTAL INTEREST EXPENSE (RI-2E).  &  & Sum =  & (!RIAD4508! + !RIAD0093! + !RIADHK03! + !RIADHK04! + !RIAD4180! + !RIAD4185! + !RIAD4200!) &  ;  Reported =  & !RIAD4073! &  ;  Difference =  & !RIAD4073! - (!RIAD4508! + !RIAD0093! + !RIADHK03! + !RIADHK04! + !RIAD4180! + !RIAD4185! + !RIAD4200!)

Msg2:
"Total interest expense" (RI 2.e.) of $ & !RIAD4073! &  must equal the sum of the components of "Interest expense" (RI 2.a.(1) through 2.d.) of $ & (!RIAD4508! + !RIAD0093! + !RIADHK03! + !RIADHK04! + !RIAD4180! + !RIAD4185! + !RIAD4200!) & .  Please revise your reported data.


Msg1:
SUM OF (RI-2A1 THRU 2D) MUST EQUAL TOTAL INTEREST EXPENSE (RI-2E).  &  & Sum =  & (!RIAD4508! + !RIAD0093! + !RIADHK03! + !RIADHK04! + !RIAD4180! + !RIADGW44!) &  ;  Reported =  & !RIAD4073! &  ;  Difference =  & !RIAD4073! - (!RIAD4508! + !RIAD0093! + !RIADHK03! + !RIADHK04! + !RIAD4180! + !RIADGW44!)

Msg2:
"Total interest expense" (RI 2.e.) of $ & !RIAD4073! &  must equal the sum of the components of "Interest expense" (RI 2.a.(1) through 2.d) of $ & (!RIAD4508! + !RIAD0093! + !RIADHK03! + !RIADHK04! + !RIAD4180! + !RIADGW44!) & .  Please revise your reported data.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI-1A1F)Curr =  & !RIADB487! &  ;  Prior =  & !PQ1RIADB487! &  ;  Difference =  & !RIADB487! - !PQ1RIADB487!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIADB487! &  your bank reported this quarter for "Interest income on all other loans" in "Domestic Offices" (RI 1.a.(1)(f)) should be greater than or equal to the $ & !PQ1RIADB487! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI-1A5)Curr =  & !RIAD4058! &  ;  Prior =  & !PQ1RIAD4058! &  ;  Difference =  & !RIAD4058! - !PQ1RIAD4058!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4058! &  your bank reported this quarter for "Interest income on all other loans" (RI 1.a.(5)) should be greater than or equal to the $ & !PQ1RIAD4058! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI-1A2)Curr =  & !RIAD4059! &  ;  Prior =  & !PQ1RIAD4059! &  ;  Difference =  & !RIAD4059! - !PQ1RIAD4059!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4059! &  your bank reported this quarter for "Interest income on loans in foreign offices, Edge and Agreement subsidiaries, and IBFs" (RI 1.a.(2)) should be greater than or equal to the $ & !PQ1RIAD4059! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
(RI-1H MINUS RI-2E) MUST EQUAL NET INTEREST INCOME (RI-3)Sum =  & (!RIAD4107! - !RIAD4073!) &  ;  Reported =  & !RIAD4074! &  ;  Difference =  & !RIAD4074! - (!RIAD4107! - !RIAD4073!)

Msg2:
"Net interest income" (RI 3.) of $ & !RIAD4074! &  must equal "Total interest income" (RI 1.h.) minus "Total interest expense" (RI 2.e.) of $ & (!RIAD4107! - !RIAD4073!) & .  Please revise your reported data.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI-1B)Curr =  & !RIAD4065! &  ;  Prior =  & !PQ1RIAD4065! &  ;  Difference =  & !RIAD4065! - !PQ1RIAD4065!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4065! &  your bank reported this quarter for "Interest income from lease financing receivables" (RI 1.b.) should be greater than or equal to the $ & !PQ1RIAD4065! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI-1C)Curr =  & !RIAD4115! &  ;  Prior =  & !PQ1RIAD4115! &  ;  Difference =  & !RIAD4115! - !PQ1RIAD4115!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4115! &  your bank reported this quarter for "Interest income on balances due from depository institutions" (RI 1.c.) should be greater than or equal to the $ & !PQ1RIAD4115! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI-1D1)Curr =  & !RIADB488! &  ;  Prior =  & !PQ1RIADB488! &  ;  Difference =  & !RIADB488! - !PQ1RIADB488!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIADB488! &  your bank reported this quarter for "Interest and dividend income on U.S. Treasury securities and U.S. Government agency obligations (excluding mortgage-backed securities)" (RI 1.d.(1)) should be greater than or equal to the $ & !PQ1RIADB488! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC: CURRENT SHOULD BE >= PREVIOUS MINUS $2K (RI-1D2)Curr = &!RIADB489!&; Prior = &!PQ1RIADB489!& Difference = &!RIADB489! - !PQ1RIADB489!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, quarter-end data from June, September, and December for the above referenced item should be greater than or equal to previous quarter`s data. Please review and explain or revise


Msg1:
SUM OF (RI-5A THRU 5L) MUST EQUAL TOTAL NONINTEREST INCOME (RI-5M) &  &  & (!RIAD4070! + !RIAD4080! + !RIADA220! + !RIADC886! + !RIADC887! + !RIADC888! + !RIADC386! + !RIADC387! + !RIADB491! + !RIADB492! + !RIADB493! + !RIAD5416! + !RIAD5415! + !RIADB496! + !RIADB497!) &  does not equal  & !RIAD4079!

Msg2:
"Total noninterest income" (RI 5.m.) of $ & !RIAD4079! &  must equal the sum of the components of "Noninterest income" (RI 5.a. through 5.l.) of $ & (!RIAD4070! + !RIAD4080! + !RIADA220! + !RIADC886! + !RIADC887! + !RIADC888! + !RIADC386! + !RIADC387! + !RIADB491! + !RIADB492! + !RIADB493! + !RIAD5416! + !RIAD5415! + !RIADB496! + !RIADB497!)  & . Please revise your reported data.


Msg1:
SUM OF RIM15A THRU M15D MUST EQUAL RI5B.  &  & Sum of RI M.15.a thru M.15.d, $ & (!RIADH032! + !RIADH033! + !RIADH034! + !RIADH035!) & does not equal RI 5.b, $ &!RIAD4080!

Msg2:
The "Components of service charges on deposit accounts in domestic offices" (RI M.15.a through M.15.d) of $&(!RIADH032! + !RIADH033! + !RIADH034! + !RIADH035!) &  must equal "Noninterest income: Service charges on deposit accounts" (RI 5.b) of $ &!RIAD4080! & . Please revise your reported data.


Msg1:
IF COMPONENTS OF TRANS AND NONTRANS ACCT DEP PRIMRLY FOR INDIV (RC-EIM(6A+6B+7A1+7B1)) > 0, COMPONENTS OF SVC CHGES DEP ACCTS (RI M.15(A+B+C)) >0. &  & RC-E I M.(6.a + 6.b + 7.a.(1) + 7.b.(1)) = $& (!RCONP753! + !RCONP754! + !RCONP756! + !RCONP758!) & ; RI M (15.a + 15.b + 15.c) = $& (!RIADH032! + !RIADH033! + !RIADH034!)

Msg2:
Your institution reported components of total transaction and nontransaction accounts "intended primarily for individuals for personal, household, or family use" in (RC-E I M (6.a+6.b+7.a.(1)+7.b.(1)) of $&(!RCONP753! + !RCONP754! + !RCONP756! + !RCONP758!) & .  However, you did not report any "Components of service charges on deposit accounts (in domestic offices)" (RI M.(15.a+15.b+15.c)). Please review your reported data, and explain or revise as appropriate.


Msg1:
SUM OF (RI-5A THRU 5L) MUST EQUAL TOTAL NONINTEREST INCOME (RI-5M).  &  &  & !RIAD4070! + !RIAD4080! +  !RIADHT73! + !RIADHT74! + !RIADB492! + !RIAD5416! + !RIAD5415! + !RIADB496! + !RIADB497! &  does not equal  & !RIAD4079!

Msg2:
"Total noninterest income" (RI 5.m.) of $ & !RIAD4079! &  must equal the sum of the components of "Noninterest income" (RI 5.a. through 5.l.) of $ & (!RIAD4070! + !RIAD4080!  + !RIADHT73! + !RIADHT74! +  !RIADB492! + !RIAD5416! + !RIAD5415! + !RIADB496! + !RIADB497!)  & . Please revise your reported data.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS (RI M15A).  &  & Curr =  & !RIADH032! &  ;  Prior =  & !PQ1RIADH032! &  ;  Difference =  & !RIADH032! - !PQ1RIADH032!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIADH032! &  your bank reported this quarter for "Consumer overdraft-related service charges" (RI M.15.a) should be greater than or equal to the $ & !PQ1RIADH032! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS (RI M15B).  &  & Curr =  & !RIADH033! &  ;  Prior =  & !PQ1RIADH033! &  ;  Difference =  & !RIADH033! - !PQ1RIADH033!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIADH033! &  your bank reported this quarter for "Consumer account periodic maintenance charges" (RI M.15.b) should be greater than or equal to the $ & !PQ1RIADH033! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS (RI M15C).  &  & Curr =  & !RIADH034! &  ;  Prior =  & !PQ1RIADH034! &  ;  Difference =  & !RIADH034! - !PQ1RIADH034!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIADH034! &  your bank reported this quarter for "Consumer customer automated teller machine (ATM) fees" (RI M.15.c) should be greater than or equal to the $ & !PQ1RIADH034! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS (RI M15D).  &  & Curr =  & !RIADH035! &  ;  Prior =  & !PQ1RIADH035! &  ;  Difference =  & !RIADH035! - !PQ1RIADH035!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIADH035! &  your bank reported this quarter for "All other service charges on deposit accounts" (RI M.15.d) should be greater than or equal to the $ & !PQ1RIADH035! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI-1D3)Curr =  & !RIAD4060! &  ;  Prior =  & !PQ1RIAD4060! &  ;  Difference =  & !RIAD4060! - !PQ1RIAD4060!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4060! &  your bank reported this quarter for "Interest and dividend income on all other securities" (RI 1.d.(3)) should be greater than or equal to the $ & !PQ1RIAD4060! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR INT INC TRADING ASSETS (RI-1E) S/B >= PREV MINUS $2KCurr =  & !RIAD4069! &  ;  Prior =  & !PQ1RIAD4069! &  ;  Difference =  & !RIAD4069! - !PQ1RIAD4069!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4069! &  your bank reported this quarter for "Interest income from trading assets" (RI 1.e.) should be greater than or equal to the $ & !PQ1RIAD4069! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI-1F)Curr =  & !RIAD4020! &  ;  Prior =  & !PQ1RIAD4020! &  ;  Difference =  & !RIAD4020! - !PQ1RIAD4020!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4020! &  your bank reported this quarter for "Interest on federal funds sold and securities purchased under agreements to resell" (RI 1.f.) should be greater than or equal to the $ & !PQ1RIAD4020! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI-1G)Curr =  & !RIAD4518! &  ;  Prior =  & !PQ1RIAD4518! &  ;  Difference =  & !RIAD4518! - !PQ1RIAD4518!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4518! &  your bank reported this quarter for "Other interest income" (RI 1.g.) should be greater than or equal to the $ & !PQ1RIAD4518! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
SUM OF (RI-7A THRU 7D) MUST EQUAL TOTAL NONINTEREST EXPENSE (RI-7E) & !RIAD4135! + !RIAD4217! + !RIADC216! + !RIADC232! + !RIAD4092! &   does not equal  & !RIAD4093!

Msg2:
"Total noninterest expense" (RI 7.e.) of $ & !RIAD4093! &  must equal the sum of the components of "Noninterest expense" (RI 7.a. through 7.d.) of $ & !RIAD4135! + !RIAD4217! + !RIADC216! + !RIADC232! + !RIAD4092! & .  Please revise your reported data.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI-1H)Curr =  & !RIAD4107! &  ;  Prior =  & !PQ1RIAD4107! &  ;  Difference =  & !RIAD4107! - !PQ1RIAD4107!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4107! &  your bank reported this quarter for "Total interest income" (RI 1.h.) should be greater than or equal to the $ & !PQ1RIAD4107! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI-2A1) &  & Curr =  & !RIAD4508! &  ;  Prior =  & !PQ1RIAD4508! &  ;  Difference =  & !RIAD4508! - !PQ1RIAD4508!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4508! &  your bank reported this quarter for "Interest expense on deposits in Transaction accounts (interest-bearing demand deposits, NOW accounts, ATS Accounts, and telephone and preauthorized transfer accounts)" (RI 2.a.(1)) should be greater than or equal to the $ & !PQ1RIAD4508! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
(RI 8A + 8B) MUST = RI 8C (INCOME(LOSS) BEFORE TAXES AND DISCONTINUED OPS).  &  & Calculated RI 8.a + 8.b =  & (!RIADHT69! + !RIADHT70!) & ;  Reported RI 8.c =  & !RIAD4301!

Msg2:
"Income (loss) before applicable income taxes and discontinued operations" (RI 8.c) of $ & !RIAD4301! &  must equal  "Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations" and "Change in net unrealized holding gains (losses) on equity securities not held for trading"  (RI 8.a + 8.b) of $ & (!RIADHT69! + !RIADHT70!) & .  Please revise your reported data.


Msg1:
JUN,SEP,DEC: CUR INT EXP SAVINGS DEP`S (RI-2A2A) S/B >= PREV MINUS $2KCurr =  & !RIAD0093! &  ;  Prior =  & !PQ1RIAD0093! &  ;  Difference =  & !RIAD0093! - !PQ1RIAD0093!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD0093! &  your bank reported this quarter for "Interest expense on Savings deposits (includes MMDAs) in Nontransaction accounts" (RI 2.a.(2)(a)) should be greater than or equal to the $ & !PQ1RIAD0093! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
(RI 3 +5M +6A +6B) MINUS (RI 4 +7E) MUST = RI 8A (INC (LOSS) BEFORE CHNG IN NET UNRLZD HOLD GAINS (LOSSES) ON EQ SEC NOT HLD FOR TRADING, APPL INC TAX, AND DISCONTINUED OPS).  &  & Calculated =  & (!RIAD4074! + !RIAD4079! + !RIAD3521! + !RIAD3196!) - (!RIADJJ33!+ !RIAD4093!) & ;  Reported  RI 8.a =  & !RIADHT69!

Msg2:
"Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations" (RI 8.a) of $ & !RIADHT69! &  must equal the sum of the components of "Income" (RI 3. + 5.m. + 6.a. + 6.b.) minus ("Provisions for credit losses on financial assets" plus "Total noninterest expense") (RI 4. + 7.e.) of $ & (!RIAD4074! + !RIAD4079! + !RIAD3521! + !RIAD3196!) - (!RIADJJ33! + !RIAD4093!) & .  Please revise your reported data.


Msg1:
IF CURR  RC 2C <> PREV, RI 8B SHLD <> 0.  &  &  Curr RC 2.c = & !RCONJA22!&; Prev RC 2.c = & !PQ1RCONJA22!&;  RI 8.b =& !RIADHT70!

Msg2:
Your institution reported a change in "Equity securities with readily determinable fair values not held for trading" (RC 2.c) of  $& !RCONJA22!& from prior quarter of  $& !PQ1RCONJA22!&  but reported zero for "Change in net unrealized holding gains (losses) on equity securities not held for trading" (RI 8.b) of $ & !RIADHT70!&.  Please review your reported data and explain or revise as appropriate.


Msg2:
Your institution reported "Change in net unrealized holding gains (losses) on equity securities not held for trading" (RI 8.b) of $ & !RIADHT70!& but reported zero ($0) for "Equity securities with readily determinable fair values not held for trading" (RC 2.c)  and "Equity securities without readily determinable fair values" (RC-F 4).  Please review your reported data and explain or revise as appropriate.


Msg1:
RI-B II 5 (COL A TO C) + RI-B II M5 + RI-B II M7 SHLD EQUAL RI 4.   &  & RI-B II 5 (COL A TO C) + RI-B II M5 + RI-B II M7 = $&!RIAD4230! + !RIADJH90! + !RIADJH96! + !RIADJJ02! + !RIADMG93!&; RI 4 = $& !RIADJJ33!

Msg2:
"Provisions for credit losses" for Loans and Leases held for investment, Held-to-Maturity debt securities, and Available-for-sale debt securities (RI-B II 5 Col A to C) plus "Provisions for credit losses on other financial assets measured at amortized cost (RI-B II M.5) plus "Provisions for credit losses on off-balance-sheet credit exposures" (RI-B II M.7) of $&!RIAD4230! + !RIADJH90! + !RIADJH96! + !RIADJJ02! + !RIADMG93!& should equal "Provisions for credit losses on financial assets" on the Income Statement (RI 4) of $&!RIADJJ33!&.   Please review your reported data and revise or explain as appropriate.


Msg1:
IF RI-B II M5 <> 0, RI-B II M6 SHLD <> 0.  &  & RI-B II M.5 = $&!RIADJJ02! &; RI-B II M.6 = $&!RCONJJ03!

Msg2:
Your institution reported  $&!RIADJJ02!& in RI-B II M.5 for "Provisions for credit losses on other financial assets measured at amortized cost".  However, your institution did not report any "Allowances for credit losses on other financial assets measured at amortized cost" (RI-B II M.6) associated with this provision.   Please review your reported data, and explain or revise as appropriate.


Msg1:
RI-B II M.8 SHLD BE <= RI-B II 7, COL A.  &  & RI-B II M.8  = $ & !RIADMG94!& ; RI-B II 7, Col A  = $ & !RIAD3123!& ;  Difference = $ & !RIAD3123!  - !RIADMG94!

Msg2:
The "Estimated amount of expected recoveries of amounts previously written off included within the allowance for credit losses on loans and leases held for investment" (RI-B II M.8) of $& !RIADMG94!& should be less than or equal to the amount reported  for Allowance for Credit Losses "Balance end of current period for Loans and Leases Held for Investment" (RI-B II 7, Column A) of $& !RIAD3123! &.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI-2A2C).  &  & Curr =  & !RIADHK04! &  ;  Prior =  & !PQ1RIADHK04! &  ;  Difference =  & !RIADHK04! - !PQ1RIADHK04!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $& !RIADHK04! &  your bank reported this quarter for "Interest expense on Time deposits of more than $250,000 in Nontransaction accounts" (RI 2.a.(2)(c)) should be greater than or equal to the $& !PQ1RIADHK04! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI 2A2B).  &  & Curr =  & !RIADHK03! &  ;  Prior =  & !PQ1RIADHK03! &  ;  Difference =  & !RIADHK03! - !PQ1RIADHK03!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIADHK03! &  your bank reported this quarter for "Interest expense on Time deposits of $250,000 or less in Nontransaction accounts" (RI 2.a.(2)(b)) should be greater than or equal to the $ & !PQ1RIADHK03! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI-2A2)Curr =  & !RIAD4172! &  ;  Prior =  & !PQ1RIAD4172! &  ;  Difference =  & !RIAD4172! - !PQ1RIAD4172!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4172! &  your bank reported this quarter for "Interest expense on deposits in foreign offices, Edge and Agreement subsidiaries, and IBFs" (RI 2.a.(2)) should be greater than or equal to the $ & !PQ1RIAD4172! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR INT EXP FED FUNDS PURCH (RI-2B) S/B >= PREV MINUS $2KCurr =  & !RIAD4180! &  ;  Prior =  & !PQ1RIAD4180! &  ;  Difference =  & !RIAD4180! - !PQ1RIAD4180!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4180! &  your bank reported this quarter for "Interest expense of federal funds purchased and securities sold under agreements to repurchase" (RI 2.b.) should be greater than or equal to the $ & !PQ1RIAD4180! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
(RI-8C - RI-9) MUST EQUAL INCOME/LOSS BEFORE DISCONTINUED OPERATIONS (RI-10) &  & Calculated =  & (!RIAD4301! - !RIAD4302!) &  ;  Reported =  & !RIAD4300!

Msg2:
"Income (loss) before discontinued operations" (RI 10.) of $ & !RIAD4300! &  must equal "Income (loss) before applicable income taxes and discontinued operations" (RI 8C.) minus "Applicable income taxes" (RI 9.) of $ & (!RIAD4301! - !RIAD4302!) & .  Please revise your reported data.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI-2C)Curr =  & !RIAD4185! &  ;  Prior =  & !PQ1RIAD4185! &  ;  Difference =  & !RIAD4185! - !PQ1RIAD4185!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4185! &  your bank reported this quarter for "Interest expense on trading liabilities and other borrowed money" (RI 2.c.) should be greater than or equal to the $ & !PQ1RIAD4185! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI-2D)Curr =  & !RIAD4200! &  ;  Prior =  & !PQ1RIAD4200! &  ;  Difference =  & !RIAD4200! - !PQ1RIAD4200!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4200! &  your bank reported this quarter for "Interest expense on subordinated notes and debentures" (RI 2.d.) should be greater than or equal to the $ & !PQ1RIAD4200! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI-2E)Curr =  & !RIAD4073! &  ;  Prior =  & !PQ1RIAD4073! &  ;  Difference =  & !RIAD4073! - !PQ1RIAD4073!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4073! &  your bank reported this quarter for "Total interest expense" (RI 2.e.) should be greater than or equal to the $ & !PQ1RIAD4073! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
SUM OF (RI-10 + RI-11) MUST EQUAL NET INCOME/LOSS (RI-12) &  & Sum RI 10 +11 =  & !RIAD4300! + !RIADFT28! &  ;  RI 12 =  & !RIADG104! &  ;  Difference =  & (!RIAD4300! + !RIADFT28!) - !RIADG104!

Msg2:
"Net income (loss) attributable to bank and non controlling (minority) interests" (RI 12.) of $ & !RIADG104! &  must equal the sum of "Income (loss) before discontinued operations" (RI 10.) plus "Discontinued operations, net of applicable income taxes" (RI 11.) of $ & (!RIAD4300! + !RIADFT28!) & .  Please revise your reported data.


Msg1:
(RI 12 MINUS RI 13) MUST EQUAL NET INCOME/LOSS ATTRIBUTABLE TO BANK (RI 14)Calculated =  & (!RIADG104! - !RIADG103!) &  ;  Reported =  & !RIAD4340!

Msg2:
"Net Income (loss) attributable to Bank" (RI 14) of $ & !RIAD4340! &  must equal "Net Income (loss) attributable to Bank and non controlling (minority) interests" (RI 12) minus "Net income (loss) attributable to non controlling (minority) interests" (RI 13) of $ & (!RIADG104! - !RIADG103!) & .  Please revise your reported data.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI-5A)Curr =  & !RIAD4070! &  ;  Prior =  & !PQ1RIAD4070! &  ;  Difference =  & !RIAD4070! - !PQ1RIAD4070!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4070! &  your bank reported this quarter for "Noninterest income from fiduciary activities" (RI 5.a.) should be greater than or equal to the  $ & !PQ1RIAD4070! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI-5B)Curr =  & !RIAD4080! &  ;  Prior =  & !PQ1RIAD4080! &  ;  Difference =  & !RIAD4080! - !PQ1RIAD4080!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4080! &  your bank reported this quarter for "Noninterest income" from "Service charges on deposit accounts" (RI 5.b.) should be greater than or equal to the $ & !PQ1RIAD4080! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI-5E)Curr =  & !RIADB491! &  ;  Prior =  & !PQ1RIADB491! &  ;  Difference =  & !RIADB491! - !PQ1RIADB491!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIADB491! &  your bank reported this quarter for "Noninterest income" from "Venture capital revenue" (RI 5.e.) should be greater than or equal to the $ & !PQ1RIADB491! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CURR INSURANCE UNDERWRITING INC (RI-5D4) SHOULD BE >= PREVIOUS & !RIADC386! &  IS NOT >=  & !PQ1RIADC386!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIADC386! &  your bank reported this quarter for "Noninterest underwriting income from Insurance and reinsurance activities" (RI 5.d.(4)) should be greater than or equal to the $ & !PQ1RIADC386! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CURR OTHER INSURANCE INCOME (RI-5D5) SHOULD BE >= PREVIOUS & !RIADC387! &  IS NOT >=  & !PQ1RIADC387!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIADC387! &  your bank reported this quarter for "Noninterest income from other insurance activities" (RI 5.d.(5)) should be greater than or equal to the $ & !PQ1RIADC387! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF CURR RI-5D4> 5K OR CURR RI-5D4< -5K, THEN CURR RI-5D5 SHOULD NOT = 0  RI-5D4 = $ & !RIADC386! & ; RI-5D5 = $ & !RIADC387!

Msg2:
Noninterest income from other insurance activities (RI-5.d.(5)) $ & !RIADC387! & should not equal zero, if the noninterest income from underwriting income from insurance and reinsurance activities (RI-5.d.(4)) $ & !RIADC386! &  is greater than $5000 or less than -$5000.


Msg1:
IF RI-5D4 (CURR - PREV) > 5K OR RI-5D4 (CURR - PREV) < -5K, THEN RI-5D5 (CURR - PREV) SHOULD NOT = 0  RI-5D4 (CURR - PREV) = $ & !RIADC386! - !PQ1RIADC386! & RI-5D5 (CURR - PREV) = $ & !RIADC387! - !PQ1RIADC387!

Msg2:
The difference between the current and previous period of non interest income from other insurance activities (RI-5.d.(5))  & !RIADC387! - !PQ1RIADC387! &  should not equal zero, if the change between current and previous period non-interest income from underwriting income from insurance and reinsurance activities (RI-5.d.(4))  & !RIADC386! - !PQ1RIADC386! &  is greater than $5 thousand or less than -$5 thousand.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI-7A)Curr =  & !RIAD4135! &  ;  Prior =  & !PQ1RIAD4135! &  ;  Difference =  & !RIAD4135! - !PQ1RIAD4135!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4135! &  your bank reported this quarter for "Noninterest expense" from "Salaries and employee benefits" (RI 7.a.) should be greater than or equal to the $ & !PQ1RIAD4135! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
SALARIES AND EMPLOYEE BENEFITS (RI-7A) SHOULD BE GREATER THAN ZEROAmount =  & !RIAD4135!

Msg2:
Generally, "Salaries and employee benefits" (RI 7.a.) should be greater than zero.  Please review your reported data, and explain or revise as appropriate.


Msg1:
INC ON TAX-EXEMPT LOANS (RI-M3) SHOULD BE =< SUM OF (RI-1A1F + 1B) & !RIAD4313! &   is not <= to  & (!RIADB487! + !RIAD4065!)

Msg2:
"Income on tax-exempt loans and leases to states and political subdivisions in the U.S." (RI M.3.) of $ & !RIAD4313! &  should be less than or equal to the sum of "Interest and fee income on all other loans in domestic offices" (RI 1.a.(1)(f)) and "Income from lease financing receivables" (RI 1.b.) of $ & (!RIADB487! + !RIAD4065!) & .  Please review your reported data and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR GOODWILL IMPAIRMENT LOSS (RI-7C1) S/B >=PRV MINUS $2KCurr =  & !RIADC216! &  ;  Prior =  & !PQ1RIADC216! &  ;  Difference =  & !RIADC216! - !PQ1RIADC216!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIADC216! &  your bank reported this quarter for "Noninterest expense" from "Goodwill impairment losses" (RI 7.c.(1)) should be greater than or equal to the $ & !PQ1RIADC216! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
TAX-EXEMPT SCM LOANS INCOME (RI-M3) SHOULD BE <= (RI-1A5 + RI-1B) & !RIAD4313! &   is not <=  & (!RIAD4058! + !RIAD4065!)

Msg2:
"Income on tax-exempt loans and leases to states and political subdivisions in the U.S." (RI M.3.) of $ & !RIAD4313! &  should be less than or equal to the sum of "Interest and fee income on all other loans" (RI 1.a.(5)) and "Income from lease financing receivables" (RI 1.b.) of $ & (!RIAD4058! + !RIAD4065!) & .  Please review your reported data and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC:  CURR AMORT OF INTBLE ASSETS (RI-7C2) SHLD BE => PREVIOUSCurr =  & !RIADC232! &  ;  Prior =  & !PQ1RIADC232! &  ;  Difference =  & !RIADC232! - !PQ1RIADC232!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIADC232! &  your bank reported this quarter for "Noninterest expense" from "Amortization expense and impairment losses for other intangible assets" (RI 7.c.(2)) should be greater than or equal to the $ & !PQ1RIADC232! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
TAX-EXEMPT INCOME ON SECURITIES (RI-M4) SHOULD BE <= (RI-1D3) &  &  & !RIAD4507! &   is not <=  & !RIAD4060!

Msg2:
"Income on tax-exempt securities issued by states and political subdivisions in the U.S." (RI M.4.) of $ & !RIAD4507! &  should be less than or equal to "Interest and dividend income on all other securities (includes securities issued by states and political subdivisions in the U.S.)" (RI 1.d.(3)) of $ & !RIAD4060! & .  Please review your reported data and revise or explain as appropriate.


Msg1:
IF (RC-B3A) OR (RC-B3D) > 1000000, THEN (RI-M4) SHLD BE > ZERO &  & RC-B 3 Col A = &!RCON8496!&; RC-B 3 Col D =  &!RCON8499!&; RI M.4 = &!RIAD4507!

Msg2:
"Securities issued by states and political subdivisions in the U.S. Held-to-Maturity Amortized Cost" (RC-B 3, Col A) of $& !RCON8496! &  or  "Securities issued by states and political subdivisions in the U.S. Available-for-sale Fair Value" RC-B 3, Col D) of $& !RCON8499! &  is greater than $1 million. As a result, "Income on tax-exempt securities issued by states and political subdivisions in the U.S." (RI M.4.) of $& !RIAD4507! &   should be greater than $0. Please review your reported data and revise or explain as appropriate.


Msg1:
IF (RI-M4) > 0, THEN SUM OF (RC-B3A) AND (RC-B3D) SHLD BE > ZERO &  & RI-M4 = & !RIAD4507! &; RC-B 3, Col A = & !RCON8496! &; RC-B 3, Col D = & !RCON8499!

Msg2:
If Income on tax-exempt securities issued by states and political subdivisions in the U.S. (RI M.4.) of $& !RIAD4507! &  is greater than $0, then "Securities issued by states and political subdivisions in the U.S. Held-to-Maturity Amortized Cost" (RC-B 3, Col A) of $& !RCON8496! &  plus "Securities issued by states and political subdivisions in the U.S. Available-for-sale Fair Value" (RC-B 3, Col D) of $& !RCON8499! &  should be greater than zero.    Please review your reported data and revise or explain as appropriate.


Msg1:
IF CURR - PREV RI-M4  IS GREATER THAN ZERO, THEN RC-B3A + RC-B3D > 0 (FOR 031 FORM, RC-H 12A + 12B > 0).   &  &  Curr - Prev RI-M4  = (&!RIAD4507! & - &!PQ1RIAD4507! &) = $ & !RIAD4507! -  !PQ1RIAD4507! &  ; RC-B 3, Col A (for 031 form, RC-H 12, Col A) = & !RCON8496! &;   RC-B 3, Col D  (for 031 form, RC-H 12, Col B) = & !RCON8499!

Msg2:
Your bank reported a change in "Income on tax-exempt securities issued by states and political subdivisions in the U.S." (RI M.4.) of $& !RIAD4507! - !PQ1RIAD4507! & .  As a result, the sum of "Securities issued by states and political subdivisions in the U.S. Held-to-Maturity Amortized Cost" (RC-B 3, Col A (for FFIEC 031 form, RC-H 12, Col A)) of $& !RCON8496! &  plus "Securities issued by states and political subdivisions in the U.S. Available-for-sale Fair Value" (RC-B 3, Col D (for FFIEC 031 form, RC-H 12, Col D)) of $& !RCON8499! &  should be greater than $0. Please review your reported data and revise or explain as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI-M1)Curr =  & !RIAD4513! &  ;  Prior =  & !PQ1RIAD4513! &  ;  Difference =  & !RIAD4513! - !PQ1RIAD4513!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4513! &  your bank reported this quarter for "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" (RI M.1.) should be greater than or equal to the $ & !PQ1RIAD4513! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
INT. EXP/TAX EXEMPT (RI-M1) SHLD BE <= TOTAL INTEREST EXPENSES (RI-2E) & !RIAD4513! &   is not <=  & !RIAD4073!

Msg2:
"Interest expense incurred to carry tax-exempt securities, loans and leases acquired after August 7, 1986" (RI M.1.) of $ & !RIAD4513! &  should generally be less than or equal to "Total interest expense" (RI 2.e.) of $ & !RIAD4073! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI-M2)Curr =  & !RIAD8431! &  ;  Prior =  & !PQ1RIAD8431! &  ;  Difference =  & !RIAD8431! - !PQ1RIAD8431!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD8431! &  your bank reported this quarter for "Income from the sale and servicing of mutual funds and annuities" (RI M.2.) should be greater than or equal to the $ & !PQ1RIAD8431! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
MUT FUNDS & ANNUITY (RC-M7) > $100K, INC/MUT FUNDS (RI-MEM 2) S/B > 0(RI-M2) =  & !RIAD8431! &   when (RC-M7) =  & !RCONB570!

Msg2:
Your bank reported "Assets under the reporting bank`s management in proprietary mutual funds and annuities" (RC-M 7.) of $ & !RCONB570! & .  However, you did not report any related income (RI M.2.).  Please review your reported data, and explain or revise as appropriate.


Msg1:
INC/MUTUAL FUNDS & ANNUITY (RI-Memo.2) SHOULD BE <= SUM OF (RI-5D1 + 5D2 + 5D3 + 5D5) & !RIAD8431! &  is not <=  & !RIADC886! + !RIADC887! + !RIADC888! + !RIADC387!

Msg2:
Generally, "Income from the sale and servicing of mutual funds and annuities" (RI. Memo.2.) of $ & !RIAD8431! &  is reported on the Income Statement as "Fees and commissions from securities brokerage" (RI 5.d.(1)), "Investment banking, advisory, and underwriting fees and commissions" (RI 5.d.(2)), "Fees and commissions from annuity sales" (RI 5.d. (3)), and/or "Income from other insurance activities" (RI 5.d.(5)).  Therefore, (RI Memo.2.) should be less than or equal to the sum of (RI 5.d.(1) thru RI-5.d.(3)) and RI-5.d.(5) of $ & !RIADC886! + !RIADC888! + !RIADC887! + !RIADC387!& .  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS MINUS $2K  (RI-M3)Curr =  & !RIAD4313! &  ;  Prior =  & !PQ1RIAD4313! &  ;  Difference =  & !RIAD4313! - !PQ1RIAD4313!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4313! &  your bank reported this quarter for "Income on tax-exempt loans and leases to states and political subdivisions in the U.S." (RI M.3.) should be greater than or equal to the $ & !PQ1RIAD4313! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR INC TAX-EXEMPT SECURITIES (RI-M4) S/B >=PRV MINUS $2KCurr =  & !RIAD4507! &  ;  Prior =  & !PQ1RIAD4507! &  ;  Difference =  & !RIAD4507! - !PQ1RIAD4507!

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4507! &  your bank reported this quarter for "Income on tax-exempt securities issued by states and political subdivisions in the U.S." (RI M.4.) should be greater than or equal to the $ & !PQ1RIAD4507! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
FARM LOAN INCOME (RI-M6) MUST BE LESS THAN OR EQUAL TO (RI-1A5) & !RIAD4024! &   is not <=  & !RIAD4058!

Msg2:
"Interest and fee income on loans to finance agricultural production and other loans to farmers" (RI M.6.) of $ & !RIAD4024! &  must be less than or equal to "Interest and fee income on all other loans" (RI 1.a.(5)) of $ & !RIAD4058! & .  Please revise your reported data.


Msg1:
FOR MARCH: AVERAGE SALARY (RI-7A / RI-M5) SHLD BE BETWEEN $4K AND $75K &  & Quarterly Exp  & !RIAD4135! &   / No. Emp  &  !RIAD4150! &   = Avg Qrtly Salary  & !RIAD4135! / !RIAD4150!

Msg2:
The amount that your bank reported for "Salaries and employee benefits" (RI 7.a.) of $ & !RIAD4135! &  appears to be inconsistent with the "Number of full-time equivalent employees" (RI M.5.) of  & !RIAD4150! & .  The salary and benefit expense per employee is calculated by dividing (RI 7.a.) by (RI M.5.).  Your report indicates a quarterly salary and benefit expense per employee of $ & !RIAD4135! / !RIAD4150! & , which exceeds our tolerance range of $4 to $75 thousand.  Please review your reported data, and explain or revise as appropriate.


Msg1:
NO. OF FULL TIME EQU. EMPLOYEES (RI-M5) SHOULD BE GREATER THAN ZERO

Msg2:
Generally, the "Number of full-time equivalent employees" (RI M.5.) should be greater than zero.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RI-M5 CURR) & (RI-7A PREV) >0, (RI-7A CURR-PREV)/RI-M5 S/B $4-75K &  & Quarterly Exp  & (!RIAD4135! - !PQ1RIAD4135!)  &   / No. Emp  & !RIAD4150! &   = Avg Salary  & ((!RIAD4135! - !PQ1RIAD4135!)  / !RIAD4150!)

Msg2:
The amount that your bank accrued for "Salaries and employee benefits" (RI 7.a. current minus previous) of $ & !RIAD4135! - !PQ1RIAD4135! &  appears to be inconsistent with the "Number of full-time equivalent employees" (RI M.5.) of  & !RIAD4150! & .  The salary and benefit expense per employee is calculated by dividing (RI 7.a. current minus previous) by (RI M.5.).  Your report indicates a quarterly salary and benefit expense per employee of $ & (!RIAD4135! - !PQ1RIAD4135!)  / !RIAD4150! &  which falls outside of our tolerance range of $4,000 to $75,000.  Please review your reported data, and explain or revise as appropriate.


Msg1:
SUM OF (RI-M8A THRU RI-M8E) MUST EQUAL TRADING REVENUE (RI-5C) & !RIAD8757! + !RIAD8758! + !RIAD8759! + !RIAD8760! + !RIADF186! &   does not equal  & !RIADA220!

Msg2:
The sum of the components of "Trading revenue" (from cash and derivative instruments) (RI M.8.a. through M.8.e.) of $ & !RIAD8757! + !RIAD8758! + !RIAD8759! + !RIAD8760! + !RIADF186! &  must equal "Trading revenue" (RI 5.c.) of $ & !RIADA220! & .  Please revise your reported data.


Msg2:
The sum of "Income on tax-exempt loans and leases to states and political subdivisions in the U.S." (RI M.3.) and "Interest and fee income on loans to finance agricultural production and other loans to farmers" (RI M.6.) of $ & !RIAD4313! + !RIAD4024! &  should be less than or equal to the sum of the interest income on "All other loans" (RI 1.a.(5)) and "Income from lease financing receivables" (RI 1.b.) of $ & !RIAD4058! + !RIAD4065! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR INT INC FARM/AGRIC LOANS (RI-M6) S/B >=PREV MINUS $2KCurr =  & !RIAD4024! &  ;  Prior =  & (!PQ1RIAD4024!)

Msg2:
Income statement items are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4024! &  your bank reported this quarter for "Interest and fee income on loans to finance agricultural production and other loans to farmers" (RI M.6.) should be greater than or equal to the $ & !PQ1RIAD4024! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT (RI-M7) SHOULD BE >= PREVIOUS (RI-M7) CURR =  & !RIAD9106! &  ;  PREV =  & !PQ1RIAD9106!

Msg2:
Generally, the Push down accounting date reported for the current quarter should be the same or more recent than the date reported for the previous quarter.  Last quarter, your bank reported a Push down accounting date (RI M.7.) of  & !PQ1RIAD9106! &  which is more recent than the date reported for the current quarter of  & !RIAD9106! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  IF (RI-M7) CURR > PREV, (RI-3) SHOULD BE CURR < PREVPush Down  Date =  & !RIAD9106! &  ;  Curr =  & !RIAD4074! &  ;  Prior =  & !PQ1RIAD4074! & ;

Msg2:
Your bank reported  & !RIAD9106! &  in Item (RI M.7.) as the Push down accounting date, which is more recent that what was previously reported last quarter.  This indicates that your bank has restated its balance sheet this quarter in applying push down accounting.  As a result, the amount reported in "Net interest income" (RI 3.) of $ & !RIAD4074! &  for the current quarter should be less than the amount reported for the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  IF PREVIOUS NOT =0, CURRENT SHOULD NOT =0  (RI-M8A)Previous =  & !PQ1RIAD8757!

Msg2:
Last quarter, your bank reported "Trading revenue (from cash instruments and derivative instruments)" for "Interest rate exposures" (RI M.8.a.) of $ & !PQ1RIAD8757! & .  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  IF PREVIOUS NOT =0, CURRENT SHOULD NOT =0  (RI-M8B)Previous =  & !PQ1RIAD8758!

Msg2:
Last quarter, your bank reported "Trading revenue (from cash instruments and derivative instruments)" for "Foreign exchange exposures" (RI M.8.b.) of $ & !PQ1RIAD8758! & .  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: PREV TRADING REV-EQTY SEC (RI-M8C) NOT=0, CUR SHLD NOT =0Previous =  & !PQ1RIAD8759!

Msg2:
Last quarter, your bank reported "Trading revenue (from cash instruments and derivative instruments)" for "Equity security and index exposures" (RI M.8.c.) of $ & !PQ1RIAD8759! & .  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  IF PREVIOUS NOT =0, CURRENT SHOULD NOT =0  (RI-M8D)Previous =  & !PQ1RIAD8760!

Msg2:
Last quarter, your bank reported "Trading revenue (from cash instruments and derivative instruments)" for "Commodity and other exposures" (RI M.8.d.) of $ & !PQ1RIAD8760! & .  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC: IF PREVIOUS NOT = 0, CURRENT SHOULD NOT =0 (RI-M8E)Previous = $ & !PQ1RIADF186!

Msg2:
Last quarter, your bank reported "Trading revenue (from cash instruments and derivative instruments)" for "Credit exposures" (RI M.8.e.) of $ & !PQ1RIADF186! & . However, this quarter you reported none. Please review your reported data, and explain or revise as appropriate.


Msg1:
RI M8F1 SHOULD BE < = SUM OF (RI-M8A THRU M8E).  &  &  & !RIADFT36! &   is not <= to  & (!RIAD8757! + !RIAD8758! + !RIAD8759! + !RIAD8760! + !RIADF186!)

Msg2:
The "Impact on trading revenue of changes in the creditworthiness of the bank`s derivatives counterparties on the bank`s derivative assets (YTD changes): Gross credit valuation adjustment (CVA)" (RI M.8.f.(1)) of $ & !RIADFT36! &  should generally be less than or equal to the sum of the components of "Trading revenue (from cash instruments and derivative instruments)" (RI M.8.a. through M.8.e.) of $ & (!RIAD8757! + !RIAD8758! + !RIAD8759! + !RIAD8760! + !RIADF186!) & . Please review your reported data and revise or explain as appropriate.


Msg1:
RI M8G1 SHOULD BE < = SUM OF (RI-M8A THRU M8E).  &  &  & !RIADFT38! &   is not <= to  & (!RIAD8757! + !RIAD8758! + !RIAD8759! + !RIAD8760! + !RIADF186!)

Msg2:
The "Impact on trading revenue of changes in the creditworthiness of the bank on the bank`s derivative liabilities (YTD changes): Gross debit valuation adjustment (DVA)" (RI M.8.g.(1)) of $ & !RIADFT38! &  should generally be less than or equal to the sum of the components of "Trading revenue (from cash instruments and derivative instruments)" (RI M.8.a through M.8.e.) of $ & (!RIAD8757! + !RIAD8758! + !RIAD8759! + !RIAD8760! + !RIADF186!) & .  Please review your reported data and revise or explain as appropriate.


Msg1:
IF CVA HEDGE RI-M8F2 <> 0, GROSS CRD VALUATION ADJUSTMT RI-M8F1 <> 0.  &  & RI M.8.f.(2) =  $ &!RIADFT37!

Msg2:
Your bank reported "CVA hedge" in RI M.8.f.(2) of $ &!RIADFT37!& but did not report "Gross credit valuation adjustment (CVA)" IN RI M.8.f.(1).   Please review your reported data and revise or explain as appropriate.


Msg1:
IF DVA HEDGE RI-M8G2 <> 0, GROSS DBT VALUATION ADJUSTMT RI-M8G1 <> 0.                      &  & RI M.8.g.(2) =  $ &!RIADFT39!

Msg2:
Your bank reported "DVA hedge" in RI M.8.g.(2) of $ &!RIADFT39!& but did not report "Gross debit valuation adjustment (DVA)" IN RI M.8.g.(1).   Please review your reported data and revise or explain as appropriate.


Msg1:
RI M8F2 SHOULD BE < = SUM OF (RI-M8A THRU M8E).  &  &  & !RIADFT37! &   is not <= to  & (!RIAD8757! + !RIAD8758! + !RIAD8759! + !RIAD8760! + !RIADF186!)

Msg2:
The "Impact on trading revenue of changes in the creditworthiness of the bank`s derivatives counterparties on the bank`s derivative assets (YTD changes): CVA hedge" (RI M.8.f.(2)) of $ & !RIADFT37! &  should generally be less than or equal to the sum of the components of "Trading revenue (from cash instruments and derivative instruments)" (RI M.8.a. through M.8.e.) of $ & (!RIAD8757! + !RIAD8758! + !RIAD8759! + !RIAD8760! + !RIADF186!) & . Please review your reported data and revise or explain as appropriate.


Msg1:
RI M8G2 SHOULD BE < = SUM OF (RI-M8A THRU M8E).  &  &  & !RIADFT39! &   is not <= to  & (!RIAD8757! + !RIAD8758! + !RIAD8759! + !RIAD8760! + !RIADF186!)

Msg2:
The "Impact on trading revenue of changes in the creditworthiness of the bank on the bank`s derivative liabilities (YTD changes): DVA hedge" (RI M.8.g.(2)) of $ & !RIADFT39! &  should generally be less than or equal to the sum of the components of "Trading revenue (from cash instruments and derivative instruments)" (RI M.8.a through M.8.e.) of $ & (!RIAD8757! + !RIAD8758! + !RIAD8759! + !RIAD8760! + !RIADF186!) & .  Please review your reported data and revise or explain as appropriate.


Msg1:
SUM OF (RI-A1 + RI-A2) MUST EQUAL RESTATED EQUITY CAPITAL (RI-A3) &  & Sum =  & (!RIAD3217! + !RIADB507!) &  ;  Reported =  & !RIADB508! &  ;  Difference =  & (!RIAD3217! + !RIADB507!) - !RIADB508!

Msg2:
The sum of "Total equity capital most recently reported on the previous December report" (RI-A 1.) of $ & !RIAD3217! &  and "Cumulative effect of changes in accounting principles and corrections of material accounting errors" (RI-A 2.) of $ & !RIADB507! &  must equal the "Balance end of previous calendar year as restated" (RI-A 3.) of $ & !RIADB508! & .  Please revise your reported data.


Msg1:
JUN,SEPT,DEC:  IF PREVIOUS > 0, CURRENT SHOULD BE > 0  (RI-M10) &  & Previous =  & !PQ1RIADA251!

Msg2:
Last quarter, the amount reported for "Credit losses on derivatives" (RI M.10.) of $ & !PQ1RIADA251! &  was greater than zero. Therefore, the amount reported this quarter should be greater than zero.  Please review your reported data, and explain or revise as appropriate.


Msg1:
RI-M11 (CURR) SHOULD EQUAL RI-M11 (PREV)  Previous =  & !PQ1RIADA530! &  Current =  & !RIADA530!

Msg2:
Your bank has changed its answer in the Subchapter S election in effect for federal income tax purposes for the current tax year (RI M.11.) box from its previous quarter`s answer.  Please review your reported data, and explain or revise as appropriate.


Msg1:
If (RC-F2) > $500k, then (RI-Mem11) should = "NO": Subchapter S election(RC-F2) =  & !RCON2148! &  , (RI-Mem11)  =  & !RIADA530!

Msg2:
Your bank reported "Net deferred tax assets" (RC-F 2.) of $ & !RCON2148! & .  However, your bank answered "Yes" in the "Does the reporting bank have a Subchapter S status for federal income tax purposes for the current year?" (RI M.11.) box.  Generally, banks with Net deferred tax assets of more than $500,000 do not file as Subchapter S corporations.  Please review your reported data, and explain or revise as appropriate.


Msg2:
The sum of the components of "Changes in equity capital" (RI-A 3. through 7. + 10. + 11.) of $ & !RIADB508! + !RIAD4340! + !RIADB509! + !RIADB510! + !RIAD4356!  + !RIADB511! + !RIAD4415! &  minus "Cash dividends declared" on preferred and common stock (RI-A 8. + 9.) of $ & !RIAD4470! +  !RIAD4460! &  must equal "Total bank equity capital end of current period" (RI-A 12.) of $ & !RIAD3210! & .  Please revise your reported data.


Msg1:
RI-A12 PRV DEC >0 & CUR RI-A7 =0, CUR RI-A1 OR A3 SHLD= RI-A12 PRV DECCURR =  & !RIADB508! &  ; PRV DEC =  & !PQ1RIAD3210! &  ; CURR - PRV DEC =  & (!RIADB508! - !PQ1RIAD3210!)

Msg2:
"Total equity capital most recently reported for the previous December Report of Condition and Income" (RI-A 1.) of $ & !RIAD3217! & , or the "Balance end of previous calendar year as restated" (RI-A 3.) of $ & !RIADB508! &  should equal the previous December`s "Total equity capital end of current period" (RI-A 12.) of $ & !PQ1RIAD3210! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
RI-A12 PRV DEC >0 & CUR RI-A7 =0, CUR RI-A1 OR A3 SHLD= RI-A12 PRV DECCURR =  & !RIADB508! &  ; PRV DEC =  & !PQ2RIAD3210! &  ; CURR - PRV DEC =  & (!RIADB508! - !PQ2RIAD3210!)

Msg2:
"Total equity capital most recently reported for the previous December Report of Condition and Income" (RI-A 1.) of $ & !RIAD3217! & , or the "Balance end of previous calendar year as restated" (RI-A 3.) of $ & !RIADB508! &  should equal the previous December`s "Total equity capital end of current period" (RI-A 12.) of $ & !PQ2RIAD3210! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
RI-A12 PRV DEC >0 & CUR RI-A7 =0, CUR RI-A1 OR A3 SHLD= RI-A12 PRV DECCURR =  & !RIADB508! &  ; PRV DEC =  & !PQ3RIAD3210! &  ; CURR - PRV DEC =  & (!RIADB508! - !PQ3RIAD3210!)

Msg2:
"Total equity capital most recently reported for the previous December Report of Condition and Income" (RI-A 1.) of $ & !RIAD3217! & , or the "Balance end of previous calendar year as restated" (RI-A 3.) of $ & !RIADB508! &  should equal the previous December`s "Total equity capital end of current period" (RI-A 12.) of $ & !PQ3RIAD3210! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
RI-A12 PRV DEC >0 & CUR RI-A7 =0, CUR RI-A1 OR A3 SHLD= RI-A12 PRV DECCURR =  & !RIADB508! &  ; PRV DEC =  & !PQ4RIAD3210! &  ; CURR - PRV DEC =  & (!RIADB508! - !PQ4RIAD3210!)

Msg2:
"Total equity capital most recently reported for the previous December Report of Condition and Income" (RI-A 1.) of $ & !RIAD3217! & , or the "Balance end of previous calendar year as restated" (RI-A 3.) of $ & !RIADB508! &  should equal the previous December`s "Total equity capital end of current period" (RI-A 12.) of $ & !PQ4RIAD3210! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
CHARGEOFF COMPONENTS (RI-BI1A1 THRU 8, COL A) MUST EQUAL TOTAL (RI-BI9 COL A).  &  & RI-B I 1.a.(1) to 8 Col A $&  (!RIADC891! + !RIADC893! +  !RIAD3584! + !RIAD5411! + !RIADC234! + !RIADC235! + !RIAD3588! + !RIADC895! + !RIADC897! + !RIAD4638! + !RIADB514! + !RIADK129! + !RIADK205! + !RIAD4644! + !RIAD4266! ) &  not =  RI-B I 9 Col A  $ & !RIAD4635!

Msg2:
The sum of the components of "Charge-offs" on loans and leases (RI-B Part I, 1.a.(1) through 8., Column A) of $ & !RIADC891! + !RIADC893! +  !RIAD3584! + !RIAD5411! + !RIADC234! + !RIADC235! + !RIAD3588! + !RIADC895! + !RIADC897!  + !RIAD4638! + !RIADB514! + !RIADK129! + !RIADK205! + !RIAD4644! + !RIAD4266! &  must equal the "Total" (RI-B Part I, 9., Column A) of $ & !RIAD4635! & .  Please revise your reported data.


Msg1:
JUN,SEPT,DEC:  IF PREVIOUS NOT =0, CURRENT SHOULD NOT =0  (RI-A2) &  & Previous =  & !PQ1RIADB507!

Msg2:
The schedule of "Changes in equity capital" (RI-A) is reported on a calendar year-to-date basis.  Last quarter, your bank reported "Cumulative effect of changes in accounting principles and corrections of material accounting errors" (RI-A 2.) of $ & !PQ1RIADB507! & . However, this quarter you reported none. Please review your reported data, and explain or revise as appropriate.


Msg1:
RI-A 2 SHOULD EQUAL SUM OF RI-E 4A AND 4B. &  & RI-A 2 = $ & !RIADB507! &; RI-E 4A AND 4B = $ & !RIADB526! + !RIADB527!

Msg2:
Generally, the sum of "Cumulative effect of changes in accounting principles and corrections of accounting errors" (RI-E 4.a.+ 4.b) of $& !RIADB526! + !RIADB527! & should equal "Cumulative effect of changes in accounting principles and corrections of material accounting errors" (RI-A 2) of $& !RIADB507!&.. Please review your reported data and revise or explain as appropriate.


Msg1:
IF MARCH, CURR RI-E 6A SHLD NOT EQ PRIOR RI-E 6A.  &  & Curr RI-E 6.a = $ & !RIADJJ27!&; Prior RI-E 6.a = $ & !PQ1RIADJJ27!

Msg2:
The "Initial allowances for credit losses recognized upon the acquisition of purchased credit-deteriorated assets" (RI-E 6.a) of $ & !RIADJJ27!& is reported on a calendar year-to-date basis.  Therefore, the amount reported in March should not equal the amount reported in prior December ($ & !PQ1RIADJJ27!&).    Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT RI-E 6A SHOULD BE >= PREVIOUS.   &  & Curr  RI-E 6.a = $ & !RIADJJ27!&; Prior =  $ & !PQ1RIADJJ27!

Msg2:
The "Initial allowances for credit losses recognized upon the acquisition of purchased credit-deteriorated assets" (RI-E 6.a) of $ & !RIADJJ27!& is reported on a calendar year-to-date basis.   Therefore, the amount reported in the current quarter should be greater than or equal to the $ & !PQ1RIADJJ27! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF MARCH, CURR RI-E 4A SHLD NOT EQ PRIOR.  &  & Curr RI-E 4.a = $ & !RIADB526!&; Prior = $ & !PQ1RIADB526!

Msg2:
The "Cumulative effect of changes in accounting principles and corrections of material accounting errors" (RI-E 4.a) of $ & !RIADB526!& is reported on a calendar year-to-date basis.  Therefore, the amount reported in March should not equal the amount reported in prior December ($ & !PQ1RIADB526!&).    Please review your reported data, and explain or revise as appropriate.


Msg1:
IF MARCH, CURR RI-E 4B SHLD NOT EQ PRIOR.  &  & Curr RI-E 4.b = $ & !RIADB527!&; Prior = $ & !PQ1RIADB527!

Msg2:
The "Cumulative effect of changes in accounting principles and corrections of material accounting errors" (RI-E 4.b) of $ & !RIADB527!& is reported on a calendar year-to-date basis.  Therefore, the amount reported in March should not equal the amount reported in prior December ($ & !PQ1RIADB527!&).    Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT RI-E 4A SHOULD BE >= PREVIOUS.   &  &  Curr  RI-E 4.a = $ & !RIADB526!&; Prior =  $ & !PQ1RIADB526!

Msg2:
The  "Cumulative effect of changes in accounting principles and corrections of material accounting errors" (RI-E 4.a) of $ & !RIADB526!& is reported on a calendar year-to-date basis.   Therefore, the amount reported in the current quarter should be greater than or equal to the $ & !PQ1RIADB526! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT RI-E 4B SHOULD BE >= PREVIOUS.   &  &  Curr  RI-E 4.b = $ & !RIADB527!&; Prior =  $ & !PQ1RIADB527!

Msg2:
The  "Cumulative effect of changes in accounting principles and corrections of material accounting errors" (RI-E 4.b) of $ & !RIADB527!& is reported on a calendar year-to-date basis.   Therefore, the amount reported in the current quarter should be greater than or equal to the $ & !PQ1RIADB527! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF MARCH, CURR RI-E 6B SHLD NOT EQ PRIOR.  &  & Curr RI-E 6.b = $ & !RIAD4521!&; Prior = $ & !PQ1RIAD4521!

Msg2:
The "Adjustments to allowances for credit losses" (RI-E 6.b) of $ & !RIAD4521!& is reported on a calendar year-to-date basis.  Therefore, the amount reported in March should not equal the amount reported in prior December ($ & !PQ1RIAD4521!&).    Please review your reported data, and explain or revise as appropriate.


Msg1:
IF MARCH, CURR RI-E 6C SHLD NOT EQ PRIOR.  &  & Curr RI-E 6.c = $ & !RIAD4522!&; Prior  = $ & !PQ1RIAD4522!

Msg2:
The "Adjustments to allowances for credit losses" (RI-E 6.c) of $ & !RIAD4522!& is reported on a calendar year-to-date basis.  Therefore, the amount reported in March should not equal the amount reported in prior December ($ & !PQ1RIAD4522!&).    Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT RI-E 6B SHOULD BE >= PREVIOUS.   &  &  Curr  RI-E 6.b = $ & !RIAD4521!&; Prior =  $ & !PQ1RIAD4521!

Msg2:
The  "Adjustments to allowances for credit losses" (RI-E 6.b) of $ & !RIAD4521!& is reported on a calendar year-to-date basis.   Therefore, the amount reported in the current quarter should be greater than or equal to the $ & !PQ1RIAD4521! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT RI-E 6C SHOULD BE >= PREVIOUS.   &  &  Curr  RI-E 6.c = $ & !RIAD4522!&; Prior =  $ & !PQ1RIAD4522!

Msg2:
The  "Adjustments to allowances for credit losses" (RI-E 6.c) of $ & !RIAD4522!& is reported on a calendar year-to-date basis.   Therefore, the amount reported in the current quarter should be greater than or equal to the $ & !PQ1RIAD4522! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  IF PREVIOUS NOT =0, CURRENT SHOULD NOT =0  (RI-A5)Previous =  & !PQ1RIADB509!

Msg2:
The schedule of "Changes in equity capital" (RI-A) is reported on a calendar year-to-date basis.  Last quarter, your bank reported "Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stock transactions)" (RI-A 5.) of $ & !PQ1RIADB509! & . However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
SUM OF RECOVERY COMPONENTS (RI-B1A1B THRU 8B) MUST EQUAL TOTAL (RI-B9B).  &  &  RI-B I 1.a.(1)to 8 Col B  $ & (!RIADC892! + !RIADC894! + !RIAD3585! + !RIAD5412! + !RIADC217! + !RIADC218! + !RIAD3589! + !RIADC896! + !RIADC898! + !RIAD4608! + !RIADB515! + !RIADK133! + !RIADK206! + !RIAD4628! + !RIAD4267!) & not =  RI-B I 9 Col B  $ & !RIAD4605!

Msg2:
The sum of the components of "Recoveries on loans and leases" (RI-B Part I, 1.a.(1) through 8., Column B) of $ & !RIADC892! + !RIADC894! + !RIAD3585! + !RIAD5412! + !RIADC217! + !RIADC218! + !RIAD3589! + !RIADC896! + !RIADC898! + !RIAD4608! + !RIADB515! + !RIADK133! + !RIADK206! + !RIAD4628! + !RIAD4267! &  must equal the "Total" (RI-B Part I, 9., Column B) of $ & !RIAD4605! & .  Please revise your reported data.


Msg1:
JUN,SEPT,DEC: CURRENT SHOULD BE >= PREVIOUS (RI-BM2D COL B).  &  & Curr = $ & !RIADF187! & ; Prev = $ & !PQ1RIADF187! & ; Difference = $ & !RIADF187! - !PQ1RIADF187!

Msg2:
Recovery items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIADF187! &  your bank reported this quarter for "Recoveries on leases to individuals for household, family, and other personal expenditures" (RI-B Part I, M.2.d., Column B) should be greater than or equal to the $ & !PQ1RIADF187! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC: CURRENT SHOULD BE >= PREVIOUS (RI-BM2D COL A). &  & Curr = $ & !RIADF185! &  ; Prev = $ & !PQ1RIADF185! &  ; Difference = $ & !RIADF185! - !PQ1RIADF185!

Msg2:
Charge-off items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIADF185! &  your bank reported this quarter for "Charge-offs on leases to individuals for household, family, and other personal expenditures" (RI-B Part I, M.2.d., Column A) should be greater than or equal to the $ & !PQ1RIADF185! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  IF PREVIOUS NOT =0, CURRENT SHOULD NOT =0  (RI-A6)Previous =  & !PQ1RIADB510!

Msg2:
The schedule of "Changes in equity capital" (RI-A) is reported on a calendar year-to-date basis.  Last quarter, your bank reported "Treasury stock transactions, net" (RI-A 6.) of $ & !PQ1RIADB510! & . However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
CHG-OFF: COML R/E (RI-BM1A) MUST BE < = SUM OF (RI-B4AA +B4BA +B7A) &  &  & !RIAD5409! &   is not <= to  & (!RIAD4645! + !RIAD4646! + !RIAD4644!)

Msg2:
"Charge-offs" on "Loans to finance commercial real estate, construction, and land development activities" (RI-B Part I, M.1., Column A) of $ & !RIAD5409! &  must be less than or equal to the sum of "Charge-offs" on "Commercial & industrial loans to U.S. addressees" (RI-B Part I, 4.a., Column A) of $ & !RIAD4645! & , "Commercial & industrial loans to non-U.S. addressees" (RI-B Part I, 4.b., Column A) of $ & !RIAD4646! & , and "All other loans" (RI-B Part I, 7., Column A) of $ & !RIAD4644! & .  Please revise your reported data.


Msg1:
JUN,SEP,DEC: IF PREVIOUS (RI-A7) NOT = 0, THEN CURRENT SHOULD NOT = 0Previous =  & !PQ1RIAD4356!

Msg2:
The schedule of "Changes in equity capital" (RI-A) is reported on a calendar year-to-date basis.  Last quarter, your bank reported "Changes incident to business combinations, net" (RI-A 7.) of $ & !PQ1RIAD4356! & . However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
CHARGEOFF: COMMERCIAL R/E (RI-BIM1A) MUST BE <= (RI-BI4A + RI-BI7A) & !RIAD5409! &   is not <= to  & (!RIAD4638! + !RIAD4644!)

Msg2:
"Charge-offs" on "Loans to finance commercial real estate, construction, and land development activities" (RI-B Part I, M.1., Column A) of $ & !RIAD5409! &  must be less than or equal to the sum of "Charge-offs" on "Commercial & industrial loans to U.S. addressees" (RI-B Part I, 4., Column A) of $ & !RIAD4638! & , and "All other loans" (RI-B Part I, 7., Column A) of $ & !RIAD4644! & .  Please revise your reported data.


Msg1:
JUN,SEP,DEC: CASH DIVIDEND ON PRE STK (CURR RI-A8) S/B >= PREVIOUS-$2KCurr =  & !RIAD4470! &  ;  Prior =  & !PQ1RIAD4470!

Msg2:
The schedule of "Changes in equity capital" (RI-A) is reported on a calendar year-to-date basis.  Therefore, the $ & !RIAD4470! &  your bank reported this quarter for "Cash dividends declared on preferred stock" (RI-A 8.) should be greater than or equal to the amount $ & !PQ1RIAD4470! &  in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
RECOV: COML R/E (RI-BM1B) MUST BE < = SUM OF (RI-B4AB +B4BB +B7B) &  &  & !RIAD5410! &   is not <= to  & (!RIAD4617! + !RIAD4618! + !RIAD4628!)

Msg2:
"Recoveries" on "Loans to finance commercial real estate, construction, and land development activities" (RI-B Part I, M.1., Column B) of $ & !RIAD5410! &  must be less than or equal to the sum of "Recoveries" on "Commercial and industrial loans to U.S. addressees" (RI-B Part I, 4.a., Column B) of $ & !RIAD4617! & , "Commercial and industrial loans to non-U.S. addressees" (RI-B Part I, 4.b., Column B) of $ & !RIAD4618! & , and "All other loans" (RI-B Part I, 7., Column B) of $ & !RIAD4628! & .  Please revise your reported data.


Msg1:
RECOVERY:  COMMERCIAL R/E (RI-BIM1B) MUST BE <= (RI-BI4B + RI-BI7B) & !RIAD5410! &   is not <=  & (!RIAD4608! + !RIAD4628!)

Msg2:
"Recoveries" on "Loans to finance commercial real estate, construction, and land development activities" (RI-B Part I, M.1., Column B) of $ & !RIAD5410! &  must be less than or equal to the sum of "Recoveries" on "Commercial and industrial loans" (RI-B Part I, 4., Column B) of $ & !RIAD4608! & , and "All other loans" (RI-B Part I, 7., Column B) of $ & !RIAD4628! & .  Please revise your reported data.


Msg1:
JUN,SEP,DEC: CUR CASH DIV`S/COMMON STOCK (RI-A9) S/B >= PREV MINUS $2KCurr =  & !RIAD4460! &  ;  Prior =  & !PQ1RIAD4460!

Msg2:
The schedule of "Changes in equity capital" (RI-A) is reported on a calendar year-to-date basis.  Therefore, the $ & !RIAD4460! &  your bank reported this quarter for "Cash dividends declared on common stock" (RI-A 9.) should be greater than or equal to the $ & !PQ1RIAD4460! &  in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  IF PREVIOUS NOT =0, CURRENT SHOULD NOT =0  (RI-A11) &  & Previous =  & !PQ1RIAD4415!

Msg2:
The schedule of "Changes in equity capital" (RI-A) is reported on a calendar year-to-date basis.  Last quarter, your bank reported  "Other transactions with stockholders (including a parent holding company)" (RI-A 11.) of $ & !PQ1RIAD4415! & . However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
CHG-OFF: R/E NONU.S.(RI-BM2A) MUST BE < = SUM OF (RI-B1A1A THRU B1FA) &  &  & !RIAD4652! &  IS NOT <=  & !RIADC891! + !RIADC893! + !RIAD3584! + !RIAD5411! + !RIADC234! + !RIADC235! + !RIAD3588! + !RIADC895! + !RIADC897! + !RIADB512!

Msg2:
"Charge-offs" on "Loans secured by real estate to non-U.S. addressees" (RI-B Part I, M.2., Column A) of $ & !RIAD4652! &  must be less than or equal to the sum of the components of "Charge-offs" on "Loans secured by real estate" (RI-B Part I, 1.a.(1) through 1.f., Column A) of $ & !RIADC891! + !RIADC893! + !RIAD3584! + !RIAD5411! + !RIADC234! + !RIADC235! + !RIAD3588! + !RIADC895! + !RIADC897! + !RIADB512! & .  Please revise your reported data.


Msg1:
CHARGEOFF: NON-US ADDRESSEE (RI-BIM2AA) MUST <= (RI-BI1A1A THRU BI1E2A) &  &  & !RIAD4652! &   is not <=  & (!RIADC891! + !RIADC893! + !RIAD3584! + !RIAD5411! + !RIADC234! + !RIADC235! + !RIAD3588! + !RIADC895! + !RIADC897!)

Msg2:
"Charge-offs" on "Loans secured by real estate to non-U.S. addressees" (RI-B Part I, M.2.a., Column A) of $ & !RIAD4652! &  must be less than or equal to the sum of the components of "Charge-offs" on "Loans secured by real estate" (RI-B Part I, 1.a.(1) through 1.e.(2), Column A) of $ & !RIADC891! + !RIADC893! + !RIAD3584! + !RIAD5411! + !RIADC234! + !RIADC235! + !RIAD3588! + !RIADC895! + !RIADC897! & .  Please revise your reported data.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS - $2K (RI-B1fA)Curr =  & !RIADB512! &  ;  Prior =  & !PQ1RIADB512! &  ;  Difference =  & !RIADB512! - !PQ1RIADB512!

Msg2:
Charge-off items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIADB512! &  your bank reported this quarter for "Charge-offs on loans secured by real estate in foreign offices" (RI-B Part I, 1.f, Column A) should be greater than or equal to the $ & !PQ1RIADB512! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS - $2K (RI-B4aA)Curr =  & !RIAD4645! &  ;  Prior =  & !PQ1RIAD4645! &  ;  Difference =  & !RIAD4645! - !PQ1RIAD4645!

Msg2:
Charge-off items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4645! &  your bank reported this quarter for "Charge-offs on commercial and industrial loans to U.S. addressees (domicile)" (RI-B Part I, 4.a., Column A) should be greater than or equal to the $ & !PQ1RIAD4645! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC: CURRENT SHOULD BE >= PREVIOUS - $2K (RI-B 8BA) Curr =  & !RIADC880! &  ; Prev=  & !PQ1RIADC880! &  ; Difference =  & !RIADC880! - !PQ1RIADC880!

Msg2:
Charge-off items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIADC880! &  your bank reported this quarter for "Charge-offs on lease financing receivables:all other leases" (RI-B Part I, 8.b., Column A) should be greater than or equal to the $ & !PQ1RIADC880! &  reported in the previous quarter. Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR CHARGE-OFFS (RI-B1bA) S/B>=PREV MINUS $2K Curr =  & !RIAD3584! &  ;  Prior =  & !PQ1RIAD3584! &  ;  Difference =  & !RIAD3584! - !PQ1RIAD3584!

Msg2:
Charge-off items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD3584! &  your bank reported this quarter for "Charge-offs on loans  secured by farmland" (RI-B Part I,1.b., Column A) should be greater than or equal to the $ & !PQ1RIAD3584! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR CHARGE-OFFS (RI-B1c1A) S/B>=PREV MINUS $2K Curr =  & !RIAD5411! &  ;  Prior =  & !PQ1RIAD5411! &  ;  Difference =  & !RIAD5411! - !PQ1RIAD5411!

Msg2:
Charge-off items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD5411! &  your bank reported for "Charge-offs on revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit" (RI-B Part I, 1.c.(1), Column A) should be greater than or equal to the $ & !PQ1RIAD5411! &  reported in the previous quarter. Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR CHARGE-OFFS (RI-B1c2aA) S/B>=PREV MINUS $2K Curr =  & !RIADC234! &  ;  Prior =  & !PQ1RIADC234! &  ;  Difference =  & !RIADC234! - !PQ1RIADC234!

Msg2:
Charge-off items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIADC234! &  your bank reported this quarter for "Charge-offs on loans secured by real estate: secured by 1-4 family residential properties--closed-end loans secured by 1-4 family residential properties: secured by first liens" (RI-B Part I,1.c.(2)(a), Column A) should be greater than or equal to the $ & !PQ1RIADC234! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR CHARGE-OFFS (RI-B1c2bA) S/B>=PREV MINUS $2K Curr =  & !RIADC235! &  ;  Prior =  & !PQ1RIADC235! &  ;  Difference =  & !RIADC235! - !PQ1RIADC235!

Msg2:
Charge-off items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the  $ & !RIADC235! &  your bank reported this quarter for "Charge-offs on loans secured by real estate: secured by 1-4 family residential properties--closed-end loans secured by 1-4 family residential properties: secured by junior liens" (RI-B Part I, 1.c.(2)(b), Column A) should be greater than or equal to the $ & !PQ1RIADC235! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR CHARGE-OFFS (RI-B1dA) S/B>=PREV MINUS $2K Curr =  & !RIAD3588! &  ;  Prior =  & !PQ1RIAD3588! &  ;  Difference =  & !RIAD3588! - !PQ1RIAD3588!

Msg2:
Charge-off items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD3588! &  your bank reported this quarter for "Charge-offs on loans secured by multifamily (5 or more) residential properties" (RI-B Part I, 1.d., Column A) should be greater than or equal to the $ & !PQ1RIAD3588! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR CHARGE-OFFS (RI-B4A) S/B>=PREV MINUS $2K Curr =  & !RIAD4638! &  ;  Prior =  & !PQ1RIAD4638! &  ;  Difference =  & !RIAD4638! - !PQ1RIAD4638!

Msg2:
Charge-off items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4638! &  your bank reported this quarter for "Charge-offs on commercial and industrial loans" (RI-B Part I, 4., Column A) should be greater than or equal to the $ & !PQ1RIAD4638! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR CHARGE-OFFS (RI-B5aA) S/B>=PREV MINUS $2K Curr =  & !RIADB514! &  ;  Prior =  & !PQ1RIADB514! &  ;  Difference =  & !RIADB514! - !PQ1RIADB514!

Msg2:
Charge-off items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIADB514! &  your bank reported this quarter for "Charge-offs on credit card loans to individuals for household, family, and other personal expenditures" (RI-B Part I, 5.a., Column A) should be greater than or equal to the $ & !PQ1RIADB514! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR CHARGE-OFFS (RI-B5bA) S/B>=PREV MINUS $2K  &  &  Curr =  & !RIADK129! &  ;  Prior =  & !PQ1RIADK129! &  ;  Difference =  & !RIADK129! - !PQ1RIADK129!

Msg2:
Charge-off items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIADK129! &  your bank reported this quarter for "Charge-offs on automobile loans to individuals for household, family, and other personal expenditures" (RI-B Part I, 5.b., Column A) should be greater than or equal to the $ & !PQ1RIADK129! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR CHARGE-OFFS (RI-B7A) S/B>=PREV MINUS $2KCurr =  & !RIAD4644! &  ;  Prior =  & !PQ1RIAD4644! &  ;  Difference =  & !RIAD4644! - !PQ1RIAD4644!

Msg2:
Charge-off items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4644! &  your bank reported this quarter for "Charge-offs on all other loans" (RI-B Part I, 7., Column A) should be greater than or equal to the $ & !PQ1RIAD4644! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR CHARGE-OFFS (RI-B8A) S/B>=PREV MINUS $2KCurr =  & !RIAD4266! &  ;  Prior =  & !PQ1RIAD4266! &  ;  Difference =  & !RIAD4266! - !PQ1RIAD4266!

Msg2:
Charge-off items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4266! &  your bank reported this quarter for "Charge-offs on lease financing receivables" (RI-B Part I, 8., Column A) should be greater than or equal to the $ & !PQ1RIAD4266! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
RECOV: R/E NONU.S.(RI-BIM2B) MUST BE < = SUM OF (RI-BI1A1B THRU BI1FB) &  &   & !RIAD4662! &  IS NOT <=  & (!RIADC892! + !RIADC894! + !RIAD3585! + !RIAD5412! + !RIADC217! + !RIADC218! + !RIAD3589! + !RIADC896!  + !RIADC898! + !RIADB513!)

Msg2:
"Recoveries" on "Loans secured by real estate to non-U.S. addressees" (RI-B Part I, M.2., Column B) of $ & !RIAD4662! &  must be less than or equal to the sum of the components of "Recoveries" on "Loans secured by real estate" (RI-B Part I, 1.a.(1) through 1.f., Column B) of $ & !RIADC892! + !RIADC894! + !RIAD3585! + !RIAD5412! + !RIADC217! + !RIADC218! + !RIAD3589! + !RIADC896!  + !RIADC898! + !RIADB513! & .  Please revise your reported data.


Msg1:
RECOVERY:  NON-US ADDRESSEE (RI-BIM2AB) MUST <= (RI-BI1A1B THRU BI1E2B).  &  & RI-B M.2.a Col B  $ & !RIAD4662! &   is not <= RI-B 1.a.(1) thru 1.e.(2) Col B $ &  (!RIADC892! + !RIADC894! + !RIAD3585! + !RIAD5412! + !RIADC217! + !RIADC218! + !RIAD3589! + !RIADC896! + !RIADC898!)

Msg2:
"Recoveries" on "Loans secured by real estate to non-U.S. addressees" (RI-B Part I, M.2.a., Column B) of $ & !RIAD4662! &  must be less than or equal to the sum of the components of "Recoveries" on "Loans secured by real estate" (RI-B Part I, 1.a.(1) through 1.e.(2), Column B) of $ & !RIADC892! + !RIADC894! + !RIAD3585! + !RIAD5412! + !RIADC217! + !RIADC218! + !RIAD3589! + !RIADC896! + !RIADC898! & .  Please revise your reported data.


Msg1:
JUN,SEP,DEC: CUR CHARGE-OFFS (RI-B5CA) S/B>=PREV MINUS $2K &  & Curr =  $ & !RIADK205! &  ;  Prior = $ & !PQ1RIADK205! &  ;  Difference = $ & !RIADK205! - !PQ1RIADK205! &

Msg2:
Charge-off items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIADK205! &  your bank reported this quarter for "Charge-offs" on "Loans to individuals for household, family, and other personal expenditures: Other" (RI-B Part I, 5.c., Column A) should be greater than or equal to the $ & !PQ1RIADK205! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS - $2K (RI-B1fB) Curr =  & !RIADB513! &  ;  Prior =  & !PQ1RIADB513! &  ;  Difference =  & !RIADB513! - !PQ1RIADB513!

Msg2:
Recovery items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIADB513! &  your bank reported this quarter for "Recoveries on loans in foreign offices" (RI-B Part I, 1.f., Column B) should be greater than or equal to the $ & !PQ1RIADB513! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC:  CURRENT SHOULD BE >= PREVIOUS - $2K (RI-B4aB)Curr =  & !RIAD4617! &  ;  Prior =  & !PQ1RIAD4617! &  ;  Difference =  & !RIAD4617! - !PQ1RIAD4617!

Msg2:
Recovery items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4617! &  your bank reported this quarter for  "Recoveries on commercial and industrial loans to U.S. addressees (domicile)" (RI-B Part I, 4.a., Column B) should be greater than or equal to the $ & !PQ1RIAD4617! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC: CURRENT SHOULD BE >= PREVIOUS - $2K (RI-B Part 1, 8.B. Column B)Curr =  & !RIADF188! & ; Prev=  & !PQ1RIADF188! & ; Difference =  & !RIADF188! - !PQ1RIADF188!

Msg2:
Recovery items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIADF188! &  your bank reported this quarter for "Recoveries on lease financing receivables: all other leases" (RI-B Part I, 8.b., Column B) should be greater than or equal to the $ & !PQ1RIADF188! &  reported in the previous quarter. Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR RECOVERIES (RI-B1bB) S/B >=PREV MINUS $2KCurr =  & !RIAD3585! &  ;  Prior =  & !PQ1RIAD3585! &  ;  Difference =  & !RIAD3585! - !PQ1RIAD3585!

Msg2:
Recovery items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD3585! &  your bank reported this quarter for "Recoveries on loans secured by real estate: secured by farmland" (RI-B Part I, 1.b., Column B) should be greater than or equal to the  $ & !PQ1RIAD3585! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR RECOVERIES (RI-B1c1B) S/B >=PREV MINUS $2KCurr =  & !RIAD5412! &  ;  Prior =  & !PQ1RIAD5412! &  ;  Difference =  & !RIAD5412! - !PQ1RIAD5412!

Msg2:
Recovery items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD5412! &  your bank reported this quarter for "Recoveries on revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit" (RI-B Part I, 1.c.(1), Column B) should be greater than or equal to the $ & !PQ1RIAD5412! &  reported in the previous quarter. Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR RECOVERIES (RI-B1c2aB) S/B >=PREV MINUS $2KCurr =  & !RIADC217! &  ;  Prior =  & !PQ1RIADC217! &  ;  Difference =  & !RIADC217! - !PQ1RIADC217!

Msg2:
Recovery items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIADC217! &  your bank reported this quarter for "Recoveries on loans secured by real estate: secured by 1-4 family residential properties--closed-end loans secured by 1-4 family residential properties: secured by first liens" (RI-B Part I, 1.c.(2)(a), Column B) should be greater than or equal to the $ & !PQ1RIADC217! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR RECOVERIES (RI-B1c2bB) S/B >=PREV MINUS $2KCurr =  & !RIADC218! &  ;  Prior =  & !PQ1RIADC218! &  ;  Difference =  & !RIADC218! - !PQ1RIADC218!

Msg2:
Recovery items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIADC218! &  your bank reported this quarter for "Recoveries on loans secured by real estate: secured by 1-4 family residential properties--closed-end loans secured by 1-4 family residential properties: secured by junior liens" (RI-B Part I, 1.c.(2)(b), Column B) should be greater than or equal to the $ & !PQ1RIADC218! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR RECOVERIES (RI-B1dB) S/B >=PREV MINUS $2KCurr =  & !RIAD3589! &  ;  Prior =  & !PQ1RIAD3589! &  ;  Difference =  & !RIAD3589! - !PQ1RIAD3589!

Msg2:
Recovery items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD3589! &  your bank reported this quarter for "Recoveries on loans secured by multifamily (5 or more) residential properties" (RI-B Part I, 1.d., Column B) should be greater than or equal to the  $ & !PQ1RIAD3589! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR RECOVERIES (RI-B4B) S/B >=PREV MINUS $2KCurr =  & !RIAD4608! &  ;  Prior =  & !PQ1RIAD4608! &  ;  Difference =  & !RIAD4608! - !PQ1RIAD4608!

Msg2:
Recovery items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4608! &  your bank reported this quarter for "Recoveries on commercial and industrial loans" (RI-B Part I, 4., Column B) should be greater than or equal to the  $ & !PQ1RIAD4608! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR RECOVERIES (RI-B5aB) S/B >=PREV MINUS $2KCurr =  & !RIADB515! &  ;  Prior =  & !PQ1RIADB515! &  ;  Difference =  & !RIADB515! - !PQ1RIADB515!

Msg2:
Recovery items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIADB515! &  your bank reported this quarter for "Recoveries on loans to individuals for household, family, and other personal expenditures: credit cards" (RI-B Part I, 5.a., Column B) should be greater than or equal to the $ & !PQ1RIADB515! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR RECOVERIES (RI-B5cB) S/B >=PREV MINUS $2K &  & Curr = $ & !RIADK206! &  ;  Prior = $ & !PQ1RIADK206! &  ;  Difference = $ & !RIADK206! - !PQ1RIADK206! &

Msg2:
Recovery items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIADK206! &  your bank reported this quarter for "Recoveries" on "Loans to individuals for household, family, and other personal expenditures: Other" (RI-B Part I, 5.c., Column B) should be greater than or equal to the $ & !PQ1RIADK206! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR RECOVERIES (RI-B7B) S/B >=PREV MINUS $2KCurr =  & !RIAD4628! &  ;  Prior =  & !PQ1RIAD4628! &  ;  Difference =  & !RIAD4628! - !PQ1RIAD4628!

Msg2:
Recovery items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4628! &  your bank reported this quarter for "Recoveries on all other loans" (RI-B Part I, 7., Column B) should be greater than or equal to the $ & !PQ1RIAD4628! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR RECOVERIES (RI-B8B) S/B >=PREV MINUS $2KCurr =  & !RIAD4267! &  ;  Prior =  & !PQ1RIAD4267! &  ;  Difference =  & !RIAD4267! - !PQ1RIAD4267!

Msg2:
Recovery items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4267! &  your bank reported this quarter for "Recoveries on lease financing receivables" (RI-B Part I, 8., Column B) should be greater than or equal to the $ & !PQ1RIAD4267! &  reported in the previous quarter. Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RI M7 DOES NOT EQUAL 0 THEN RI-A 7 SHOULD NOT EQUAL 0  &  &  RI M7 EQUALS & !RIAD9106!

Msg2:
The bank indicated that it "restated its balance sheet as a result of applying push down accounting" (Schedule RI, Memoranda item 7) by reporting an acquisition date of & !RIAD9106!&. However, the bank did not report the initial increase or decrease in equity capital that resulted from the application of push down accounting in Schedule RI-A, item 7, "Changes incident to business combinations, net." Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR RECOVERIES (RI-B5bB) S/B >=PREV MINUS $2K &  & Curr = $ & !RIADK133! &  ;  Prior = $ & !PQ1RIADK133! &  ;  Difference = $ & !RIADK133! - !PQ1RIADK133! &

Msg2:
Recovery items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIADK133! &  your bank reported this quarter for "Recoveries" on "Loans to individuals for household, family, and other personal expenditures: Automobile loans" (RI-B Part I, 5.b., Column B) should be greater than or equal to the $ & !PQ1RIADK133! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
If RI M7 <> 0 THEN RC26A SHOULD EQUAL RI-A 4 LESS SUM OF RI-A 8 AND RI-A 9 &  & RC 26A = $& !RCON3632!

Msg2:
The bank applied push down accounting (RI M.7) as of & !RIAD9106! &. Therefore, "Retained earnings" (RC 26.a) should generally equal "Net income" (RI-A 4) less the sum of "Dividends declared on preferred stock" (RI-A 8) and "Dividends declared on common stock" (RI-A 9) since the push down date. Please review your reported data and revise or explain as appropriate.


Msg1:
JUN,SEP,DEC: CUR CHARGE-OFFS (RI-B Part I, 1.a.(1), Column A) SHOULD BE >= PREV  Curr = $ & !RIADC891!   & ; Prev = $ & !PQ1RIADC891!  & ; Difference = $ & (!RIADC891!  - !PQ1RIADC891!)

Msg2:
Charge-off items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIADC891! &  your bank reported this quarter for "Charge-offs on 1-4 family residential construction loans" (RI-B Part I, 1.a.(1), Column A) should be greater than or equal to the $ & !PQ1RIADC891! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR RECOVERIES (RI-B Part I, 1.a.(1)., Column B) SHOULD BE >=PREV Curr = $& !RIADC892!& ; Prev = $ &  !PQ1RIADC892! & ; Difference = $ & (!RIADC892!  - !PQ1RIADC892!)

Msg2:
Recovery items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIADC892! &  your bank reported this quarter for "Recoveries on 1-4 family residential construction loans" (RI-B Part I, 1.a.(1)., Column B) should be greater than or equal to the $ & !PQ1RIADC892! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR CHARGE-OFFS (RI-B Part I, 1.a.(2)., Column A) SHOULD BE>=PREV  Curr = $ & !RIADC893!   & ; Prev = $ & !PQ1RIADC893!  & ; Difference = $ & (!RIADC893!  - !PQ1RIADC893!)

Msg2:
Charge-off items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIADC893! &  your bank reported this quarter for "Charge-offs on other construction loans and all land development and other land loans" (RI-B Part I, 1.a.(2)., Column A) should be greater than or equal to the $ & !PQ1RIADC893! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR RECOVERIES (RI-B Part I, 1.a.(2), Column B) SHOULD BE >=PREV Curr = $ & !RIADC894!  & ; Prev = $ &  !PQ1RIADC894! & ; Difference = $ & (!RIADC894!  - !PQ1RIADC894!)

Msg2:
Recovery items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIADC894! &  your bank reported this quarter for "Recoveries on other construction loans and all land development and other land loans" (RI-B Part I, 1.a.(2), Column B) should be greater than or equal to the $ & !PQ1RIADC894! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR CHARGE-OFFS (RI-B Part I, 1.e.(1), Column A) SHOULD BE >=PREV Curr = $ & !RIADC895!  & ; Prev = $ &  !PQ1RIADC895! & ; Difference = $ & (!RIADC895!  - !PQ1RIADC895!)

Msg2:
Charge-off items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIADC895! &  your bank reported this quarter for "Charge-offs on loans secured by owner-occupied nonfarm nonresidential properties" (RI-B Part I, 1.e.(1), Column A) should be greater than or equal to the $ & !PQ1RIADC895! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR RECOVERIES (RI-B Part I, 1.e.(1)., Column B) SHOULD BE >=PREV Curr = $ & !RIADC896!  & ; Prev = $ &  !PQ1RIADC896! & ; Difference = $ & (!RIADC896!  - !PQ1RIADC896!)

Msg2:
Recovery items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIADC896! &  your bank reported this quarter for "Recoveries on loans secured by owner-occupied nonfarm nonresidential properties" (RI-B Part I, 1.e.(1)., Column B) should be greater than or equal to the $ & !PQ1RIADC896! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR CHARGE-OFFS (RI-B Part I, 1.e.(2), Column A) SHOULD BE >=PREV Curr = $ & !RIADC897!  & ; Prev = $ & !PQ1RIADC897!  &  ; Difference =  & (!RIADC897!  - !PQ1RIADC897!)

Msg2:
Charge-off items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIADC897! &  your bank reported this quarter for "Charge-offs on loans secured by other nonfarm nonresidential properties" (RI-B Part I, 1.e.(2), Column A) should be greater than or equal to the $ & !PQ1RIADC897! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR RECOVERIES (RI-B Part I, 1.e.(2), Column B) SHOULD BE >=PREV Curr = $ & !RIADC898!  & ; Prev = $ & !PQ1RIADC898!  & ; Difference = $ & (!RIADC898!  - !PQ1RIADC898!)

Msg2:
Recovery items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIADC898! &  your bank reported this quarter for "Recoveries on loans secured by other nonfarm nonresidential properties" (RI-B Part I, 1.e.(2), Column B) should be greater than or equal to the $ & !PQ1RIADC898! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR CHARGE-OFFS (RI-BM1A THRU BM3A) S/B >= PREV MINUS $2KCurr =  & !RIAD5409! &  ;  Prior =  & !PQ1RIAD5409! &  ;  Difference =  & !RIAD5409! - !PQ1RIAD5409!

Msg2:
Charge-off items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD5409! &  your bank reported this quarter for "Charge-offs on loans to finance commercial real estate, construction, and land development activities" (RI-B Part I, M.1., Column A) should be greater than or equal to the $ & !PQ1RIAD5409! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR CHARGE-OFFS (RI-BM1A THRU BM3A) S/B >= PREV MINUS $2K &  & Curr =  & !RIAD4652! &  ;  Prior =  & !PQ1RIAD4652! &  ;  Difference =  & !RIAD4652! - !PQ1RIAD4652!

Msg2:
Charge-off items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4652! &  your bank reported this quarter for "Charge-offs on Loans secured by real estate to non-U.S. addressees" (RI-B Part I, M.2.a., Column A) should be greater than or equal to the $ & !PQ1RIAD4652! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR CHARGE-OFFS (RI-BM2CA) S/B >= PREV MINUS $2K. &  & Curr =  & !RIAD4646! &  ;  Prior =  & !PQ1RIAD4646! &  ;  Difference =  & !RIAD4646! - !PQ1RIAD4646!

Msg2:
Charge-off items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4646! &  your bank reported this quarter for  "Charge-offs on commercial and industrial loans to non-U.S. addressees" (RI-B Part I, M.2.c, Column A) should be greater than or equal to the $ & !PQ1RIAD4646! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR CHARGE-OFFS (RI-BIM3A) S/B >= PREV MINUS $2K &  & Curr =  & !RIAD4655! &  ;  Prior =  & !PQ1RIAD4655! &  ;  Difference =  & !RIAD4655! - !PQ1RIAD4655!

Msg2:
Charge-off items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4655! &  your bank reported this quarter for "Charge-offs on loans to finance agricultural production and other loans to farmers" (RI-B Part I, M.3., Column A) should be greater than or equal to the $ & !PQ1RIAD4655! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR RECOVERIES (RI-BM1B THRU BM3B) S/B >= PREV MINUS $2KCurr =  & !RIAD5410! &  ;  Prior =  & !PQ1RIAD5410! &  ;  Difference =  & !RIAD5410! - !PQ1RIAD5410!

Msg2:
Recovery items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD5410! &  your bank reported this quarter for "Recoveries on loans to finance commercial real estate, construction, and land development activities" (RI-B Part I, M.1., Column B) should be greater than or equal to the $ & !PQ1RIAD5410! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR RECOVERIES (RI-BM1B THRU BM3B) S/B >= PREV MINUS $2K.  &  & Curr =  & !RIAD4662! &  ;  Prior =  & !PQ1RIAD4662! &  ;  Difference =  & !RIAD4662! - !PQ1RIAD4662!

Msg2:
Recovery items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4662! &  your bank reported this quarter for "Recoveries on Loans secured by real estate to non-U.S. addressees" (RI-B Part I, M.2.a., Column B) should be greater than or equal to the $ & !PQ1RIAD4662! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR RECOVERIES (RI-BM1B THRU BM3B) S/B >= PREV MINUS $2K.  &  & Curr =  & !RIAD4618! &  ;  Prior =  & !PQ1RIAD4618! &  ;  Difference =  & !RIAD4618! - !PQ1RIAD4618!

Msg2:
Recovery items on Schedule RI-B Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4618! &  your bank reported this quarter for "Recoveries on Commercial and Industrial loans to non-U.S. addressees" (RI-B Part I, M.2.c., Column B) should be greater than or equal to the $ & !PQ1RIAD4618! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR RECOVERIES (RI-BM1B THRU BM3B) S/B >= PREV MINUS $2KCurr =  & !RIAD4665! &  ;  Prior =  & !PQ1RIAD4665! &  ;  Difference =  & !RIAD4665! - !PQ1RIAD4665!

Msg2:
Recovery items on Schedule RI-B, Part I, are reported on a calendar year-to-date basis. Therefore, the $ & !RIAD4665! &  your bank reported this quarter for "Recoveries on loans to finance agricultural production and other loans to farmers" (RI-B Part I, M.3., Column B) should be greater than or equal to the $ & !PQ1RIAD4665! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEP,DEC: CUR UNCOLLECTIBLE CARD FEES (RI-BIM4) S/B>=PREV MINUS $2K. &  & Curr  & !RIADC388! &   is not >= to Prev & (!PQ1RIADC388!)

Msg2:
"Uncollectible retail credit card fees and finance charges reversed against income" are reported on a calendar year-to-date basis.  Therefore, the $ & !RIADC388! &  your bank reported this quarter for (RI-B Part I, M.4.) should be greater than or equal to the $ & !PQ1RIADC388! &  reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
CHARGEOFF: NON-US C&I LOANS (RI-BIM2CA) MUST BE <= (RI-BI4A).  &  & RI-B M.2.c Col A $&!RIAD4646! &   is not <= RI-B 4 Col A $ &!RIAD4638!

Msg2:
"Charge-offs" on "Commercial and industrial loans to non-U.S. addressees" (RI-B Part I, M.2.c., Column A) of $ & !RIAD4646! &  must be less than or equal to "Charge-offs" on "Commercial and industrial loans" (RI-B Part I, 4., Column A) of $ & !RIAD4638! & .  Please revise your reported data.


Msg1:
RECOVERY:  NON-US C&I LOANS (RI-BIM2CB) MUST BE <= (RI-BI4B). &  & RI-B M.2.c Col B $ & !RIAD4618! &   is not <= RI-B 4 Col B $ & !RIAD4608!

Msg2:
"Recoveries" on "Commercial and industrial loans to non-U.S. addressees" (RI-B Part I, M.2.c., Column B) of $ & !RIAD4618! &  must be less than or equal to "Recoveries" on "Commercial and industrial loans" (RI-B Part I, 4., Column B) of $ & !RIAD4608! & .  Please revise your reported data.


Msg1:
FOR COLUMN A, IF RI-BII7 (PREV DEC) >0, THEN RI-BII1 (CUR) SHLD = RI-BII7 (PREV DEC). &  & Curr =  & !RIADB522! &  ;  Prior =  & !PQ1RIAD3123! &  ;  Difference =  & !RIADB522! - !PQ1RIAD3123!

Msg2:
For "Changes in allowances" in Column A,  the "Balance most recently reported for the previous December"  (RI-B Part II, 1) of $ & !RIADB522! &  should equal the PREVIOUS December`s "Balance end of current period" (RI-B Part II, 7) of $ & !PQ1RIAD3123! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
FOR COLUMN A, IF RI-BII7 (PREV DEC) >0, THEN RI-BII1 (CUR) SHLD = RI-BII7 (PREV DEC).  &  & Curr =  & !RIADB522! &  ;  Prior =  & !PQ2RIAD3123! &  ;  Difference =  & !RIADB522! - !PQ2RIAD3123!

Msg2:
For "Changes in allowances" in Column A,  the "Balance most recently reported for the previous December"  (RI-B Part II, 1) of $ & !RIADB522! &  should equal the PREVIOUS December`s "Balance end of current period" (RI-B Part II, 7) of $ & !PQ2RIAD3123! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
FOR COLUMN A, IF RI-BII7 (PREV DEC) >0, THEN RI-BII1 (CUR) SHLD = RI-BII7 (PREV DEC). &  & Curr =  & !RIADB522! &  ;  Prior =  & !PQ3RIAD3123! &  ;  Difference =  & !RIADB522! - !PQ3RIAD3123!

Msg2:
For "Changes in allowances" in Column A,  the "Balance most recently reported for the previous December"  (RI-B Part II, 1) of $ & !RIADB522! &  should equal the PREVIOUS December`s "Balance end of current period" (RI-B Part II, 7) of $ & !PQ3RIAD3123! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
FOR COLUMN A, IF RI-BII7 (PREV DEC) >0, THEN RI-BII1 (CUR) SHLD = RI-BII7 (PREV DEC). &  & Curr =  & (!RIADB522!) &  ;  Prior =  & (!PQ4RIAD3123!) &  ;  Difference =  & (!RIADB522!) - (!PQ4RIAD3123!)

Msg2:
For "Changes in allowances" in Column A,  the "Balance most recently reported for the previous December"  (RI-B Part II, 1) of $ & !RIADB522! &  should equal the PREVIOUS December`s "Balance end of current period" (RI-B Part II, 7) of $ & !PQ4RIAD3123! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
FOR COLUMN B, ALLOW COMPONENTS RI-B II (1+2+5+6) - (3+4) = RI-BII7.  &  & RI-B II 1 to 6 Calculated = $&(!RIADJH88! + !RIADJH89! + !RIADJH90! +!RIADJH91!) - (!RIADJH92! + !RIADJJ00!)&;  Reported RI-B II 7 = $&!RIADJH93!

Msg2:
The sum of the components of  "Changes in Allowances for Credit Losses" for "Held-to-Maturity debt securities" in Column B  (RI-B Part II, 1. + 2. + 5. + 6)  of $&!RIADJH88! + !RIADJH89! + !RIADJH90! +!RIADJH91!&  minus (RI-B Part II, 3 and 4) of $ & !RIADJH92! +!RIADJJ00!&  must equal the "Balance end of current period" (RI-B Part II, 7) of $ & !RIADJH93! & .  Please revise your reported data.


Msg1:
FOR COLUMN C, ALLOW COMPONENTS RI-B II (1+2+5+6) - (3+4) = RI-B II 7.  &  & RI-B II 1 to 6 Calculated = $&(!RIADJH94! + !RIADJH95! + !RIADJH96! + !RIADJH97!) - (!RIADJH98! + !RIADJJ01!)&;  Reported RI-B II 7  = $&!RIADJH99!

Msg2:
The sum of the components of  "Changes in Allowances for Credit Losses" for "Available-for-sale debt securities" in Column C (RI-B Part II, 1. + 2. + 5. + 6.)  of $&!RIADJH94! + !RIADJH95! + !RIADJH96! + !RIADJH97!&  minus (RI-B Part II, 3 and 4)  of $ & !RIADJH98! +!RIADJJ01!&  must equal the "Balance end of current period" (RI-B Part II, 7) of $ & !RIADJH99! & .  Please revise your reported data.


Msg1:
FOR HTM DEBT SEC (COLUMN B), RI-B II 1 (CURR) SHLD = RI-B II 7 (PREV DEC). &  & Column B:  RI-B II 1 Curr =  & (!RIADJH88!) &  ;  RI-B II 7 Prior Dec =  & (!PQ1RIADJH93!) &  ;  Difference =  & (!RIADJH88!) - (!PQ1RIADJH93!)

Msg2:
For "Changes in Allowances for Credit Losses" in Column B for "Held-to-Maturity Debt Securities",  the "Balance most recently reported" for the previous December  (RI-B Part II, 1 Column B) of $ & !RIADJH88! &  should equal the PREVIOUS December`s "Balance end of current period" (RI-B Part II, 7 Column B) of $ & !PQ1RIADJH93! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
FOR AFS DEBT SEC (COLUMN C), RI-B II 1 (CURR) SHLD = RI-B II 7 (PREV DEC). &  & Column C:  RI-B II 1 Curr =  & (!RIADJH94!) &  ;  RI-B II 7 Prior Dec =  & (!PQ1RIADJH99!) &  ;  Difference =  & (!RIADJH94!) - (!PQ1RIADJH99!)

Msg2:
For "Changes in Allowances for Credit Losses" in Column C for "Available-for-Sale Debt Securities",  the "Balance most recently reported" for the previous December  (RI-B Part II, 1 Column C) of $ & !RIADJH94! &  should equal the PREVIOUS December`s "Balance end of current period" (RI-B Part II, 7 Column C) of $ & !PQ1RIADJH99! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
ALLOCATED TRANSFER RISK: IF PREVIOUS (RI-BIIM1) > 0, CURRENT S/B > 0Previous =  & !PQ1RIADC435!

Msg2:
Last quarter, your bank reported "Allocated transfer risk reserve" (RI-B Part II, M.1.) of $ & !PQ1RIADC435! & .  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
SUM OF (RI-BIIM1 + RI-BIIM3) SHOULD BE <= TOTAL ALLOWANCE (RI-BII7 COL A) &  &  & (!RIADC435!)+(!RIADC390!) &   is not <=  & !RIAD3123!

Msg2:
The sum of "Allocated transfer risk reserve" (RI-B Part II, M.1.) of $ & !RIADC435! &  and "Amount of allowance for credit losses on loans and leases" attributable to retail credit card fees and finance charges" (RI-B Part II, M.3.) of $ & !RIADC390! &  is included as part of the "Balance end for current period" of the total allowance for credit losses on loans and leases (RI-B Part II, 7, Col A) of $ & !RIAD3123! & .  Therefore, the sum of (RI-B Part II, M.1. + M.3.) of $ & (!RIADC435! + !RIADC390!) &  should be less than or equal to the total allowance for credit losses on loans and leases (RI-B Part II, 7, Col A) of $ & !RIAD3123! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
UNCOLL FEES AND FINANCE CHARGES & ALLOWANCE ON CR CARD FEES (RI-BM4 +BIIM2 +BIIM3) S/B >0.  &  & None Available- please refer to Short Message Text.

Msg2:
Your bank appears to have large credit card loan transactions, as shown in "Loans to individuals for household, family, and other personal expenditures" on "Credit cards" (RC-C Part I, 6.a, Column B) of $ & !RCONB538! & .  However, you did not report any "Uncollectible retail credit card fees and finance charges reversed against income in  RI-B Part I, M.4, "Separate valuation allowance for uncollectible retail credit card fees and finance charges in RI-B Part II, M.2, and "Amount of allowance for credit losses on loan and leases attributable to retail credit card fees and finance charges in RI-B Part II, M.3.  Please review your reported data, and explain or revise as appropriate.


Msg1:
INT INC FROM FOREIGN OFFICES (RI-D1) SHLD BE < =  (RI-1H) & !RIADC899! &   is not <= to  & !RIAD4107!

Msg2:
"Total interest income in foreign offices" (RI-D 1.) of $ & !RIADC899! &  should be less than or equal to your bank`s "Total interest income" (RI 1.h.) of $ & !RIAD4107! & . Please review your reported data, and explain or revise as appropriate.


Msg1:
CHARGEOFF: LEASES TO INDIVIDUALS FOR HOUSEHOLD, FAMILY, AND OTHER PERSONAL EXPENDITURES (RI-BIM2DA) MUST BE <= (RI-BI8A).  &  & RI-B M.2.d Col A $ & !RIADF185! &   is not <= to RI-B 8 Col A  $ & !RIAD4266!

Msg2:
"Charge-offs" on "Leases to individuals for household, family, and other personal expenditures" (RI-B Part I, M.2.d., Column A) of $ & !RIADF185! &  must be less than or equal to "Charge-offs" on "Lease financing receivables" (RI-B Part I, 8., Column A) of $ & !RIAD4266! & .  Please revise your reported data.


Msg1:
INT EXP ON INTL OPER (RI-D2) SHOULD BE < = (RI-2E) & !RIADC900! &   is not <= to  & !RIAD4073!

Msg2:
"Total interest expense in foreign offices" (RI-D 2.) of $ & !RIADC900! &  should be less than or equal to your bank`s "Total interest expense" (RI 2.e.) of $ & !RIAD4073! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
JUN,SEPT,DEC: IF PREVIOUS (RI-D13) NOT = 0, CURRENT (RI-D13) SHOULD NOT = 0 CURR =  & !RIADC914! &  ; PREV =  & !PQ1RIADC914!

Msg2:
Last quarter, your bank reported "Consolidated net income attributable to foreign offices" (RI-D 13.) of $ & !PQ1RIADC914! & .  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
RECOVERY:  LEASES TO INDIVIDUALS FOR HOUSEHOLD, FAMILY, AND OTHER PERSONAL EXPENDITURES (RI-BIM2DB) MUST BE <= (RI-BI8B).  &  & RI-B M.2.d Col B  $ & !RIADF187! &   is not <= RI-B 8 Col B  $ & !RIAD4267!

Msg2:
"Recoveries" on "Leases to individuals for household, family, and other personal expenditures" (RI-B Part I, M.2.d., Column B) of $ & !RIADF187! &  must be less than or equal to "Recoveries" on "Lease financing receivables" (RI-B Part I, 8., Column B) of $ & !RIAD4267! & .  Please revise your reported data.


Msg1:
CHARGEOFF: FARM LOANS (RI-BIM3A) MUST BE <= (RI-BI7A) & !RIAD4655! &   is not <=  & !RIAD4644!

Msg2:
"Charge-offs" on "Loans to finance agricultural production and other loans to farmers" (RI-B Part I, M.3., Column A) of $ & !RIAD4655! &  must be less than or equal to "Charge-offs" on "All other loans" (RI-B Part I, 7., Column A) of $ & !RIAD4644! & .  Please revise your reported data.


Msg1:
RECOVERY:  FARM LOANS (RI-BIM3B) MUST BE <= (RI-BI7B) &  &  & !RIAD4665! &   is not <=  & !RIAD4628!

Msg2:
"Recoveries" on "Loans to finance agricultural production and other loans to farmers" (RI-B Part I, M.3., Column B) of $ & !RIAD4665! &  must be less than or equal to "Recoveries" on "All other loans" (RI-B Part I, 7., Column B) of $ & !RIAD4628! & .  Please revise your reported data.


Msg1:
ITEMIZED DISCONTINUED OPS AND APPL INC TAX EFFECT (RI-E 3A1 +3B1 -(3A2 + 3B2)) DOES NOT EQ (RI-11). &  & (RI-E 3.a.(1) +3.b.(1) -3.a.(2) - 3.b.(2)) of & !RIADFT29! + !RIADFT31! - !RIADFT30! - !RIADFT32! &  should equal RI 11 of  & !RIADFT28!

Msg2:
The sum of the components of "Discontinued operations" minus applicable income tax effects (RI-E 3.a.(1) + 3.b.(1) -3.a.(2) - 3.b.(2)) of  $&!RIADFT29! + !RIADFT31! - !RIADFT30! - !RIADFT32!& should equal "Discontinued operations, net of applicable income taxes" (RI 11) of $ & !RIADFT28! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF DISCONT OPS (RI-E 3A1) <> 0, THEN APPL INC TAX EFFECT (RI-E 3A2) <> 0. &  & RI-E 3.a.(1) = $ &!RIADFT29!&;  RI-E 3.a.(2) = $ &!RIADFT30!

Msg2:
Your bank reported gross dollar amounts of the results of discontinued operations in RI-E 3.a.(1) of $ &!RIADFT29!&.  Therefore, any related tax effects should be reported in RI-E 3.a.(2).   Please review your reported data and revise or explain as appropriate.


Msg1:
IF DISCONT OPS (RI-E 3B1) <> 0, THEN APPL INC TAX EFFECT (RI-E 3B2) <> 0. &  & RI-E 3.b.(1) = $ &!RIADFT31!&;  RI-E 3.b.(2) = $ &!RIADFT32!

Msg2:
Your bank reported gross dollar amounts of the results of discontinued operations in RI-E 3.b.(1) of $ &!RIADFT31!&.  Therefore, any related tax effects should be reported in RI-E 3.b.(2).   Please review your reported data and revise or explain as appropriate.


Msg1:
SUM OF (RI-E5A + E5B) SHOULD EQUAL OTH. TRANSACTION W/ STOCKHOLDERS (RI-A11) &  &  & (!RIAD4498! + !RIAD4499!) &   does not equal  & !RIAD4415!

Msg2:
"Itemized transactions of other transactions with stockholders (including a parent holding company)" (RI-E 5.a. + 5.b.) of $ & (!RIAD4498! + !RIAD4499!) &  should equal "Other transactions with stockholders (including a parent holding company)" (RI-A 11.) of $ & !RIAD4415! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
SUM OF (RI-E 6A  THRU 6C) SHOULD EQUAL RI-B II 6, COLS A TO C.  &  & RI-B II 6, Cols A to C = $& !RIADC233! + !RIADJH91! + !RIADJH97!&; RI-E 6.a thru 6.c = $& !RIADJJ27! + !RIAD4521! + !RIAD4522!

Msg2:
The sum of the components of "Adjustments to allowances for credit losses" (RI-E 6.a through 6.c) of $ & !RIADJJ27! + !RIAD4521! + !RIAD4522! &  should equal total "Adjustments" (RI-B Part II, 6, Cols A to C) of $ & !RIADC233! + !RIADJH91! + !RIADJH97!&  reported on the schedule of "Changes in allowances for credit losses."  Please review your reported data, and explain or revise as appropriate.


Msg1:
RI-TEXT (YRITXT) SHOULD BE ACTUAL AND EQUAL "YES" OR "NO"

Msg2:
Your bank should either check the "No comment" box or provide "Other explanations" to briefly describe any other significant items affecting the Report of Income.


Msg1:
RC-TEXT (RCTEXT) SHOULD BE ACTUAL AND EQUAL "YES" OR "NO"

Msg2:
Your bank should either check the "No comment" box or provide "Other explanations" to briefly describe any other significant items affecting the Report of Condition.


Msg2:
"Interest-bearing cash and balances due from depository institutions" on the Balance Sheet (RC 1.b.) of $ & !RCON0071! &  should be less than or equal to the sum of the components of "Balances due from depository institutions," "Balances due from banks in foreign countries and foreign central banks," and "Balances due from Federal Reserve Banks (RC-A 2 + 3 + 4)  of $ & !RCON0082! + !RCON0070! + !RCON0090! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF PREV LNS & LEASES HELD FOR SALE (RC-4A) >$5 MIL, CURR (RC-4A) S/B>0 & !PQ1RCON5369! &  > 0; current should be > 0

Msg2:
Last quarter, your bank reported "Loans and leases held for sale" (RC 4.a.) of $ & !PQ1RCON5369! & .  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
CHARGEOFFS (RI-BII3) MUST EQUAL (RI-B I 9, COL A - RI-B II 4, COL A).  &  & RI-B II 3, COL A = $& !RIADC079! & ; RI-B I 9 less RI-B II 4, COL A = $& !RIAD4635! - !RIAD5523!

Msg2:
"Charge-offs" (RI-B Part II, 3, Col A) of $ & !RIADC079! &  must equal "Total charge-offs" (RI-B Part I, 9., Column A) of $ & !RIAD4635! &  minus any "Write downs arising from transfers of financial assets" (RI-B Part II, 4, Col A) of $ & !RIAD5523! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF TOTAL TRADING ASSETS, RC-5 (PREV) > 0 THEN RC-5 (CURR) SHOULD BE > 0  RC-5 (PREV) = & !PQ1RCON3545!

Msg2:
"Trading assets" on the "Consolidated Balance Sheet" (RC 5) is reported as zero.  However, last quarter your institution reported an amount of $ & !PQ1RCON3545! & . Please review your reported data, and explain or revise as appropriate.


Msg1:
PREMISES AND FIXED ASSETS (RC-6) SHOULD BE GREATER THAN ZERO

Msg2:
"Premises and fixed assets" (RC 6.) should generally be greater than zero.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF PREVIOUS IS >100K, THEN CURRENT SHOULD BE >0  (RC-8) &  & Previous =  & !PQ1RCON2130!

Msg2:
Last quarter, your bank reported "Investments in unconsolidated subsidiaries and associated companies" (RC 8.) of $ & !PQ1RCON2130! & .  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
FOR COLUMN A, ALLOW COMPONENTS RI-B II (1+2+5+6) MINUS (3+4) = RI-B II 7.  &  & RI-B II 1 thru 6 Calculated = $&(!RIADB522! + !RIAD4605! + !RIAD4230! + !RIADC233!) - (!RIADC079! + !RIAD5523!)&; Reported RI-B II 7 = $&!RIAD3123!

Msg2:
The sum of the components for "Changes in Allowance(s)" for "Loans and Leases held for investment" reported in Column A, (RI-B Part II, 1. + 2. + 5. + 6.)  of $ & !RIADB522! + !RIAD4605! + !RIAD4230! + !RIADC233! &  minus (RI-B Part II, 3 and 4) of $&!RIADC079! + !RIAD5523!& must equal the "Balance end of current period" (RI-B Part II, 7) of $ & !RIAD3123! & .  Please revise your reported data.


Msg1:
RI-B PART II ITEM 6, COL A THRU C SHOULD EQUAL 0.  &  & RI-B PART II ITEM 6, Cols A thru C =  $& !RIADC233! + !RIADJH91!+ !RIADJH97!& (&!RIADC233!& + &!RIADJH91!&+ &!RIADJH97!&)

Msg2:
Your bank reported $ & !RIADC233!+ !RIADJH91!+ !RIADJH97!& in Schedule RI-B, Part II, item 6, Columns A through C  "Adjustments".    Except for amounts relating to the application of push down accounting, a reorganization, or changes in allowance from calendar year-to-date initial gross-up amounts recognized upon the acquisition of purchased credit-deteriorated assets, any other adjustments to the Allowance for Credit Losses are generally not appropriate. Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RI-B PART II 4 , COL A > 0, RC 4A > 0 &  & RI-B PART II 4, COL A = $ & !RIAD5523!

Msg2:
Your bank reported $ & !RIAD5523! & for "Write-downs arising from transfers" of loans and leases to a held-for-sale account (RI-B II, item 4, Col A) However, you reported no loans and leases held-for-sale on the balance sheet (RC 4.a.). Please review your reported data and revise or explain as appropriate.


Msg1:
IF RI-B PART II 4, COL A  CURR > PREV, RC 4A > 0.  &  & RI-B II 4, COL A CURR - PREV = $ & !RIAD5523! - !PQ1RIAD5523!

Msg2:
The year-to-date amount reported this quarter for "Write-downs arising from transfers" of loans and leases to a held-for-sale account" (RI-B II, item 4, Col A) is greater than the amount reported in the previous quarter. However, the amount reported on the balance sheet for "Loans and leases held-for-sale" (RC 4.a.) is zero. Please review your reported data and revise or explain as appropriate.


Msg1:
IF PREVIOUS IS >0, THEN CURRENT SHOULD BE >0  (RC-M 2B) &  & Previous =  & !PQ1RCON3163!

Msg2:
Last quarter, your bank reported "Goodwill" of $ & !PQ1RCON3163! & .  However, this quarter you reported none in RC-M 2.b.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RI-M7  CURR > PREV), THEN GOODWILL (RC-M 2B) S/B (CURR > PREV) &  & Push Down  Date =  & !RIAD9106! &  ;  Curr =  & !RCON3163! &  ;  Prior =  & !PQ1RCON3163! & ;

Msg2:
Your response in item (RI M.7.) of  & !RIAD9106! &  indicates that your bank has restated its balance sheet as result of applying push down accounting during  the current quarter.  In accordance with the report instructions, if the bank has applied push down accounting, the assets and liabilities are restated to their fair values as of the acquisition date.  Therefore, the amount you reported for "Goodwill" (RC-M 2.b.) of $ & !RCON3163! &  this quarter should be greater than the amount reported in the previous quarter of $ & !PQ1RCON3163! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
MARCH: GOODWILL IMPAIRMENT LOSSES (RI-7C1 CURR) S/B <= (RC-M 2B PREV) &  &  & !RIADC216! &   is not <=  & !PQ1RCON3163!

Msg2:
"Goodwill impairment losses" (RI 7.c.1.) of $ & !RIADC216! &  should generally be less than or equal to the outstanding amount of "Goodwill" reported last quarter  (RC-M 2.b.) of $ & !PQ1RCON3163! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
GOODWILL IMPAIRMENT LOSSES (RI-7C1 CURR - PREV) S/B <= (RC-M 2B PREV) &  &  & !RIADC216! - !PQ1RIADC216! &   is not <=  & !PQ1RCON3163!

Msg2:
The current quarter`s balance for "Goodwill impairment losses" (RI 7.c.1.) of $ & !RIADC216! &  minus the previous quarter`s balance of $ & !PQ1RIADC216! &  should generally be less than or equal to the outstanding amount of "Goodwill" reported during the previous quarter in RC-M 2.b of $ & !PQ1RCON3163! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF PREVIOUS RC 10 IS >0, THEN CURRENT SHOULD BE >0.   &  & Previous =  & !PQ1RCON2143!

Msg2:
Last quarter, your bank reported "Intangible assets" (RC 10) of $ & !PQ1RCON2143! & .  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
TOTAL ASSETS (RC-12) CURRENT SHOULD NOT EQUAL (RC-12) PREVIOUSCurr Assets  & !RCON2170! &   = Prev Assets  & !PQ1RCON2170!

Msg2:
Generally, balances reported for the current and previous quarters should be different due to transactions recorded during the current period.  This quarter, the balance of $ & !RCON2170! &  you reported for "Total assets" in (RC 12.) is equal to the amount reported in the previous quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
MAR: INT EXP (RI-2D) NOT MATCHING WITH SUBORD DEBT (RC-19) Int Exp =  & !RIAD4200! &   Debt =  & !RCON3200!

Msg2:
Your bank reported "Interest on subordinated notes and debentures" (RI 2.d.) of $ & !RIAD4200! & .  However, you also reported a related balance in "Subordinated notes and debentures" (RC 19) of $ & !RCON3200! &  on the "Balance Sheet".  Please review your reported data, and explain or revise as appropriate.


Msg1:
INT EXP (RI-2D,CURR-PREV) NOT MATCHING SUBORDINATE DEBT (RC-19)QTD Int Exp = & !RIAD4200! - !PQ1RIAD4200! &  ; Debt =  & !RCON3200!

Msg2:
This quarter, your bank accrued  $ & (!RIAD4200! - !PQ1RIAD4200!) &  of "Interest on subordinated notes and debentures" (RI 2.d., current minus previous).  However, you reported "Subordinated notes and debentures" on the "Balance Sheet" in (RC 19.) as $ & !RCON3200! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF PREVIOUS IS <>0, THEN CURRENT SHOULD BE <>0  (RC-27B) &  & Previous =  & !PQ1RCON3000!

Msg2:
Last quarter, your bank reported "Noncontrolling (minority) interests in consolidated subsidiaries" (RC 27.b) of $ & !PQ1RCON3000! & .  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF PREVIOUS IS >0, THEN CURRENT SHOULD BE >0  (RC-23)Previous =  & !PQ1RCON3838!

Msg2:
Last quarter, your bank reported "Perpetual preferred stock and related surplus" (RC 23.) of $ & !PQ1RCON3838! & .  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF PREFERED STOCK (RC-23) = 0, DIVIDEND (RI-A8) SHOULD BE ZERODividends =  & !RIAD4470! &   while Stock =  & !RCON3838!

Msg2:
Your bank reported "Cash dividends declared on preferred stock" reported in (RI-A 8.) of $ & !RIAD4470! & .  However, you did not report a related balance in "Perpetual preferred stock and related surplus" (RC 23.) on the "Balance Sheet". Please review your reported data, and explain or revise as appropriate.


Msg1:
IF COMMON STOCK (RC-24 PREVIOUS) > 0, (RC-24 CURRENT) SHOULD BE > 0Previous =  & !PQ1RCON3230!

Msg2:
Last quarter, your bank reported "Common stock" (RC 24.) of $ & !PQ1RCON3230! & .  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF DIV/COMMON STOCK (RI-A9) > 0, THEN SUM (RC-24 + RC-25) S/B > 0Dividends =  & !RIAD4460! &   while Stock and Related Surplus =  & !RCON3230! + !RCON3839!

Msg2:
Your bank reported "Cash dividends declared on common stock" reported (RI-A 9.) of $ & !RIAD4460! & .  However, you did not report any "Common stock" or "Surplus" on the "Balance Sheet" in (RC 24. + 25.).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF PREVIOUS IS >0, THEN CURRENT SHOULD BE >0  (RC-25) &  & Previous =  & !PQ1RCON3839!

Msg2:
Last quarter, your bank reported "Surplus" (RC 25.) of $ & !PQ1RCON3839! & .  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
RI-M7 (CURR >PREV) & RC-26A (PREV >0), RC-26A SHOULD BE (CURR < PREV) & !RCON3632! &   should be <  & !PQ1RCON3632!

Msg2:
The "Push down accounting date" reported in (RI M.7.) indicates that your bank has applied push down accounting during the quarter and, as a result, the balance in the retained earnings account should have been eliminated.  Therefore, your "Retained earnings" (RC 26.a.) of $ & !RCON3632! &  for the current report period should be less than the amount reported for the previous period.  Please review your reported data, and explain or revise as appropriate.


Msg1:
MAR: IF RI-A7 (CURR) =0, RC-26B (CURR-PREV) SHOULD EQUAL RI-A10 (CURR)(RI-A 10) =  & !RIADB511! &  ; (RC 26b Curr - RC 26b Prev) =  & (!RCONB530! - !PQ1RCONB530!)

Msg2:
In the absence of any business combination, the amount of "Changes in Equity Capital" related to "Other comprehensive income" on (RI-A 10.) of $ & !RIADB511! &  should equal the period-to-period change in "Accumulated other comprehensive income" on the "Balance Sheet" (RC 26.b., current minus previous) of $ & (!RCONB530! - !PQ1RCONB530!) & . Please review your reported data, and explain or revise as appropriate.


Msg1:
RI-D10 MUST EQUAL THE SUM OF RI-D1 THROUGH RI-D9  &  &  RI-D10 = $ & !RIADC911! &  ; Sum = $ & (!RIADC899! - !RIADC900! - !RIADKW02! + !RIADC902! + !RIADC903! + !RIADC904! + !RIADC905! + !RIADJA28! - !RIADC907! + !RIADC908! - !RIADC909! + !RIADGW64!) &; Difference = $ & !RIADC911! - (!RIADC899! - !RIADC900! - !RIADKW02! + !RIADC902! + !RIADC903! + !RIADC904! + !RIADC905! + !RIADJA28! - !RIADC907! + !RIADC908! - !RIADC909! + !RIADGW64!)

Msg2:
"Net income attributable to foreign offices before internal allocations of income and expense" (RI-D 10.) of $ & !RIADC911! &, must equal the sum of the components of "Income attributable to foreign offices" (RI-D 1. through 9.) of $ & ( !RIADC899! - !RIADC900! - !RIADKW02! + !RIADC902! + !RIADC903! + !RIADC904! + !RIADC905! + !RIADJA28! - !RIADC907! + !RIADC908! - !RIADC909! + !RIADGW64!) &.  Please revise your reported data.


Msg1:
IF RI-A7 (CURR=PREV), RC-26B (CURR-PREV) SHOULD = RI-A10 (CURR-PREV) & !RCONB530! - !PQ1RCONB530! &   should equal  & !RIADB511! - !PQ1RIADB511!

Msg2:
In the absence of any business combination, the period-to-period change in "Accumulated other comprehensive income" on the "Balance Sheet" (RC 26.b., current minus previous) of $ & (!RCONB530! - !PQ1RCONB530!) &  should equal the period-to-period change in equity capital related to "Other comprehensive income" (RI-A 10., current minus previous) of $ & (!RIADB511! - !PQ1RIADB511!) & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF PREVIOUS NOT =0, THEN CURRENT SHOULD NOT =0  (RC-26C)Previous =  & !PQ1RCONA130!

Msg2:
Last quarter, your bank reported "Other equity capital components" (RC 26.c.) of $ & !PQ1RCONA130! & .  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg2:
Your bank reported "Treasury stock transactions, net" (RI-A 6.) of $ & !RIADB510! & . As a component of "Other equity capital components" (RC 26.c.), treasury stock transactions should be reported as a debit balance on the balance sheet. Please review your reported data, and explain or revise as appropriate.


Msg1:
RC-26C SHOULD BE LESS THAN OR EQUAL TO ZERO  RC-26C = $ & !RCONA130!

Msg2:
"Other equity capital components" (RC 26.C.) should include the carrying value of any treasury stock and of any unearned Employee Stock Ownership Plan (ESOP) shares. Under Generally Accepted Accounting Principles these amounts are reported as contra-equity accounts on the balance sheet. Also included is any unearned or deferred compensation expense that must be shown as a separate reduction of equity capital pursuant to Accounting Principles Board Opinion No. 25, Accounting for Stock Issued to Employees. Generally, if reported, the amount for this item is negative, however, your bank has reported a positive amount of $ & !RCONA130! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
RI-D13 MUST EQUAL THE SUM OF RI-D10 AND RI-D12  &  &  RI-D13 = $ & !RIADC914! &  ; Sum = $ & (!RIADC911! +  !RIADC913!) & ; Difference = $ & !RIADC914! - (!RIADC911! + !RIADC913!)

Msg2:
"Consolidated net income attributable to foreign offices" (RI-D 13.) of $ & !RIADC914! &  must equal the sum of "Net income attributable to foreign offices before internal allocations of income and expense" (RI-D 10.), and "Eliminations arising from the consolidation of foreign offices with domestic offices" (RI-D 12.) of $ & (!RIADC911! + !RIADC913!) &.  Please revise your reported data.


exp1:
((!RCONC752!)="FFIEC031" AND (!RCONJF94!)=TRUE) AND ([EXNONEMPTY((!RIADC899!))] OR [EXNONEMPTY((!RIADC900!))] OR [EXNONEMPTY((!RIADKW02!))] OR [EXNONEMPTY((!RIADC902!))] OR [EXNONEMPTY((!RIADC903!))] OR [EXNONEMPTY((!RIADC904!))] OR [EXNONEMPTY((!RIADC905!))] OR [EXNONEMPTY((!RIADJA28!))] OR [EXNONEMPTY((!RIADC907!))] OR [EXNONEMPTY((!RIADC908!))] OR [EXNONEMPTY((!RIADC909!))] OR [EXNONEMPTY((!RIADGW64!))] OR [EXNONEMPTY((!RIADC911!))] OR [EXNONEMPTY((!RIADC913!))] OR [EXNONEMPTY((!RIADC914!))])

Msg1:
IF NO FOREIGN OFFICES,  CURR RI-D 1-13 S/B NULL. DO NOT PUT ZEROES.

Msg2:
Your institution does not have foreign offices, therefore Schedule RI-D should be left blank. Please review your reported data, and explain or revise as appropriate.


Msg2:
The description of "the most comprehensive level of auditing work performed for the bank by independent external auditors as of any date during the preceding year" (RC M.1.) should reflect a corresponding code of either 1a, 1b, 2a, 2b, 4, 5, 6, 7, 8 or 9.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF TOTAL ASSETS  DEC 2024 WERE GT OR EQUAL TO 500 MIL AND LESS THAN 1 BILLION, INDEP EXTERNAL AUDIT (RC M.1) SHLD = 1A, 1B, 2A, OR 2B.  &  & RC M.1 = &!RCON6724!

Msg2:
Generally, if total assets as of December 2024 were greater than or equal to $500 million and less than $1 billion, the description of "the most comprehensive level of auditing work performed for the bank by independent external auditors as of any date during the preceding year" (RC M.1.) should reflect a corresponding code of 1a,1b, 2a, or 2b.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF TOTAL ASSETS  DEC 2024 WERE GT OR EQUAL TO 1 BILLION, INDEP EXTERNAL AUDIT (RC M.1) SHLD = 1A OR 2A.  &  & RC M.1 = &!RCON6724!

Msg2:
Generally, if total assets as of December 2024 were greater than or equal to $1 billion, the description of "the most comprehensive level of auditing work performed for the bank by independent external auditors as of any date during the preceding year" (RC M.1.) should reflect a corresponding code of 1a or 2a.  Please review your reported data, and explain or revise as appropriate.


Msg2:
The date reported for "Banks fiscal year-end date" (Schedule RC, Memoranda item 2) should generally be equal to 0331 or 0630 or 0930 or 1231. Please review your reported data and revise or explain as appropriate.


Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B 1., Column B) of $ & !RCON0213! &  and an "Amortized Cost" (RC-B 1., Column A) of $ & !RCON0211! &  for "U.S. Treasury securities."  The reported fair value represents  & !RCON0213! / !RCON0211! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B 1., Column D) of $ & !RCON1287! &  and an "Amortized Cost" (RC-B 1., Column C) of $ & !RCON1286! &  for "U.S. Treasury securities."  The reported fair value represents  & !RCON1287! / !RCON1286! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM US GOVT OBLIGATIONS (EXCL MBS)  (RC-B 2, COL A) > 0, THEN RC-B 2 (COL B / COL A) S/B IN RANGE OF 70-130%. &  & &!RCONHT51! &   /  & !RCONHT50! &   =  & ((!RCONHT51! / !RCONHT50!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B 2 Column B) of $ & !RCONHT51! &  and an "Amortized Cost" (RC-B 2 Column A) of $ & !RCONHT50! &  for "U.S. Government agency obligations (excluding mortgage-backed securities)."  The reported fair value represents  & !RCONHT51! / !RCONHT50! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS US GOVT AGY OBL (RC-B 2, COL C) > 0, THEN RC-B 2 (COL D / COL C) S/B IN RANGE OF 70-130%. &  & & !RCONHT53! &   /  & !RCONHT52! &   =  & ((!RCONHT53! / !RCONHT52!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B 2, Column D) of $ & !RCONHT53! &  and an "Amortized Cost" (RC-B 2, Column C) of $ & !RCONHT52! &  for "U.S. Government agency obligations (exclude mortgage-backed securities)".  The reported fair value represents  & !RCONHT53! / !RCONHT52! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B 3., Column B) of $ & !RCON8497! &  and an "Amortized Cost" (RC-B 3., Column A) of $ & !RCON8496! &  for "Securities issued by states and political subdivisions."  The reported fair value represents  & !RCON8497! / !RCON8496! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B 3., Column D) of $ & !RCON8499! &  and an "Amortized Cost" (RC-B 3., Column C) of $ & !RCON8498! &  for "Securities issued by states and political subdivisions."  The reported fair value represents  & !RCON8499! / !RCON8498! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM MBS GOV (RC-B 4A1, COL A) > 0, THEN RC-B 4A1 (COL B / COL A) S/B IN RANGE OF 70-130%. &  &  & !RCONG301! &   /  & !RCONG300! &   =  & ((!RCONG301! / !RCONG300!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B 4.a.(1), Column B) of $ & !RCONG301! &  and an "Amortized Cost" (RC-B 4.a.(1), Column A) of $ & !RCONG300! &  for "Residential mortgage pass-through securities guaranteed by GNMA."  The reported fair value represents  & !RCONG301! / !RCONG300! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM MBS GOV (RC-B 4A1, COL A) > 0, THEN RC-B 4A1 (COL B / COL A) S/B IN RANGE OF 70-130%. &  &  & !RCONHT55! &   /  & !RCONHT54! &   =  & ((!RCONHT55! / !RCONHT54!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B 4.a.(1), Column B) of $ & !RCONHT55! &  and an "Amortized Cost" (RC-B 4.a.(1), Column A) of $ & !RCONHT54! &  for "Residential mortgage pass-through securities issued or guaranteed by FNMA, FHLMC, or GNMA."  The reported fair value represents  & !RCONHT55! / !RCONHT54! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS MBS GOV (RC-B 4A1, COL C) > 0, THEN RC-B 4A1 (COL D / COL C) S/B IN RANGE OF 70-130%. &  &  & !RCONG303! &   /  & !RCONG302! &   =  & ((!RCONG303! / !RCONG302!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B 4.a.(1), Column D) of $ & !RCONG303! &  and an "Amortized Cost" (RC-B 4.a.(1), Column C) of $ & !RCONG302! &  for "Residential mortgage pass-through securities guaranteed by GNMA."  The reported fair value represents  & !RCONG303! / !RCONG302! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS MBS GOV (RC-B 4A1, COL C) > 0, THEN (RC-B 4A1 COL D / COL C) S/B IN RANGE OF 70-130%. &  &  & !RCONHT57! &   /  & !RCONHT56! &   =  & ((!RCONHT57! / !RCONHT56!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B 4.a.(1), Column D) of $ & !RCONHT57! &  and an "Amortized Cost" (RC-B 4.a.(1), Column C) of $ & !RCONHT56! &  for "Residential mortgage pass-through securities issued or guaranteed by FNMA, FHLMC, or GNMA."  The reported fair value represents  & !RCONHT57! / !RCONHT56! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM MBS GOV (RC-B 4A2, COL A) > 0, THEN RC-B 4A2 (COL B / COL A) S/B IN RANGE OF 70-130%. &  &  & !RCONG305! &   /  & !RCONG304! &   =  & ((!RCONG305! / !RCONG304!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B 4.a.(2), Column B) of $ & !RCONG305! &  and an "Amortized Cost" (RC-B 4.a.(2), Column A) of $ & !RCONG304! &  for "Residential mortgage pass-through securities issued by FNMA and FHLMC."  The reported fair value represents  & !RCONG305! / !RCONG304! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS MBS GOV (RC-B 4A2, COL C) > 0, THEN RC-B 4A2 (COL D / COL C) S/B IN RANGE OF 70-130%. &  &  & !RCONG307! &   /  & !RCONG306! &   =  & ((!RCONG307! / !RCONG306!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B 4.a.(2), Column D) of $ & !RCONG307! &  and an "Amortized Cost" (RC-B 4.a.(2), Column C) of $ & !RCONG306! &  for "Residential mortgage-backed securities issued by FNMA and FHLMC."  The reported fair value represents  & !RCONG307! / !RCONG306! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM PASS THRU (RC-B 4A2 (OR 4A3 ON 041 FORM, COL A)) > 0, THEN RC-B 4A2 (OR 4A3 ON 041) (COL B / COL A) S/B IN RANGE OF 70-130%. &  &  & !RCONG309! &   /  & !RCONG308! &   =  & ((!RCONG309! / !RCONG308!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B 4.a.(2) (or RC-B 4.a.(3) on FFIEC041 form), Column B) of $ & !RCONG309! &  and an "Amortized Cost" (RC-B 4.a.(2) (or RC-B 4.a.(3) on FFIEC041 form), Column A) of $ & !RCONG308! &  for "Other pass-through mortgage-backed securities."  The reported fair value represents  & !RCONG309! / !RCONG308! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS PASSTHRU (RC-B 4A2 (OR 4A3 ON 041 FORM), COL C))  > 0, THEN RC-B 4A2 (OR 4A3 ON 041) (COL D / COL C) S/B IN RANGE OF 70-130%. &  &  & !RCONG311! &   /  & !RCONG310! &   =  & ((!RCONG311! / !RCONG310!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B 4.a.(2) (or RC-B 4.a.(3) on FFIEC041 form), Column D) of $ & !RCONG311! &  and an "Amortized Cost" (RC-B 4.a.(2) (or RC-B 4.a.(3) on FFIEC041 form), Column C) of $ & !RCONG310! &  for "Other pass-through mortgage-backed securities."  The reported fair value represents  & !RCONG311! / !RCONG310! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM GOV CMO (RC-B 4B1, COL A) > 0 then RC-B 4B1 (COL B / COL A) S/B IN RANGE OF 70-130%. &  &  & !RCONG313! &   /  & !RCONG312! &   =  & ((!RCONG313! / !RCONG312!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B 4.b.(1), Column B) of $ & !RCONG313! &  and an "Amortized Cost" (RC-B 4.b.(1), Column A) of $ & !RCONG312! &  for "Other residential mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies."  The reported fair value represents  & !RCONG313! / !RCONG312! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS GOV CMO (RC-B 4B1, COL C) > 0, THEN RC-B 4B1 (COL D / COL C) S/B IN RANGE OF 70-130%. &  &  & !RCONG315! &   /  & !RCONG314! &   =  & ((!RCONG315! / !RCONG314!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B 4.b.(1), Column D) of $ & !RCONG315! &  and an "Amortized Cost" (RC-B 4.b.(1), Column C) of $ & !RCONG314! &  for "Other residential mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies."  The reported fair value represents  & !RCONG315! / !RCONG314! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM COL CMO (RC-B 4B2, COL A) > 0, THEN RC-B 4B2 (COL B / COL A) S/B IN RANGE OF 70-130%.  &  &  & !RCONG317! &   /  & !RCONG316! &   =  & ((!RCONG317! / !RCONG316!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B 4.b.(2), Column B) of $ & !RCONG317! &  and an "Amortized Cost" (RC-B 4.b.(2), Column A) of $ & !RCONG316! &  for "Other residential mortgage-backed securities collateralized by mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies."  The reported fair value represents  & !RCONG317! / !RCONG316! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS COL CMO (RC-B 4B2, COL C) > 0, THEN RC-B 4B2 (COL D / COL C) S/B IN RANGE of 70-130%.  &  &  & !RCONG319! &   /  & !RCONG318! &   =  & ((!RCONG319! / !RCONG318!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B 4.b.(2), Column D) of $ & !RCONG319! &  and an "Amortized Cost" (RC-B 4.b.(2), Column C) of $ & !RCONG318! &  for "Residential mortgage-backed securities collateralized by mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies."  The reported fair value represents  & !RCONG319! / !RCONG318! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM OTH MBS (RC-B 4B3, COL A) > 0, THEN RC-B 4B3 (COL B / COL A) S/B IN RANGE OF 70-130%.  &  &  & !RCONG321! &   /  & !RCONG320! &   =  & ((!RCONG321! / !RCONG320!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B 4.b.(3), Column B) of $ & !RCONG321! &  and an "Amortized Cost" (RC-B 4.b.(3), Column A) of $ & !RCONG320! &  for "All other residential mortgage-backed securities."  The reported fair value represents  & !RCONG321! / !RCONG320! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS OTH MBS (RC-B 4B3, COL C) > 0, THEN RC-B 4B3 (COL D / COL C) S/B IN RANGE OF 70-130%.  &  &  & !RCONG323! &   /  & !RCONG322! &   =  & ((!RCONG323! / !RCONG322!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B 4.b.(3), Column D) of $ & !RCONG323! &  and an "Amortized Cost" (RC-B 4.b.(3), Column C) of $ & !RCONG322! &  for "All other residential mortgage-backed securities."  The reported fair value represents  & !RCONG323! / !RCONG322! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM ABS CR CARD (RC-B M5A, COL A) > 0, THEN RC-B M5A (COL B / COL A) S/B IN RANGE OF 70-130%. &  & $ & !RCONB839! &  / $ & !RCONB838! &  =  & ((!RCONB839! / !RCONB838!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B M.5.a., Column B) of $ & !RCONB839! &  and an "Amortized Cost" (RC-B M.5.a., Column A) of $ & !RCONB838! &  for "Assets-backed securities, Credit card receivables."  The reported fair value represents  & !RCONB839! / !RCONB838! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B 5.a., Column B) of $ & !RCONC988! &  and an "Amortized Cost" (RC-B 5.a., Column A) of $ & !RCONC026! &  for "Asset-backed securities."  The reported fair value represents  & (!RCONC988!/!RCONC026!) * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM COMML PASS-THROUGH MBS (RC-B 4C1A, COL A) > 0, THEN RC-B 4C1A (COL B / COL A) S/B IN RANGE OF 70-130%. &  & $ & !RCONK143! &   / $ & !RCONK142! &   =  & ((!RCONK143! / !RCONK142!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B 4.c.(1)(a), Column B) of $ & !RCONK143! &  and an "Amortized Cost" (RC-B 4.c.(1)(a), Column A) of $ & !RCONK142! &  for "Commercial mortgage-backed securities - Issued or guaranteed by FNMA, FHLMC, or GNMA."  The reported fair value represents  & !RCONK143! / !RCONK142! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS COMML PASS-THROUGH MBS (RC-B 4C1A, COL C) > 0, THEN RC-B 4C1A (COL D / COl C) S/B IN RANGE OF 70-130%. &  & $ & !RCONK145! &   / $ & !RCONK144! &   =  & ((!RCONK145! / !RCONK144!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B 4.c.(1)(a), Column D) of $ & !RCONK145! &  and an "Amortized Cost" (RC-B 4.c.(1)(a), Column C) of $ & !RCONK144! &  for "Commercial mortgage-backed securities - Issued or guaranteed by FNMA, FHLMC, or GNMA."  The reported fair value represents  & !RCONK145! / !RCONK144! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM OTH COMML MBS (RC-B 4C2A, COL B) > 0, THEN RC-B 4C2A (COL B / COL A) S/B IN RANGE OF 70-130%. &  & $ & !RCONK151! &   / $ & !RCONK150! &   =  & ((!RCONK151! / !RCONK150!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B 4.c.(2)(a), Column B) of $ & !RCONK151! &  and an "Amortized Cost" (RC-B 4.c.(2)(a), Column A) of $ & !RCONK150! &  for "Other commercial mortgage-backed securities - Issued or guaranteed by U.S. Government agencies or sponsored agencies."  The reported fair value represents  & !RCONK151! / !RCONK150! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS OTH COMML MBS (RC-B 4C2A, COL C) > 0, THEN RC-B 4C2A (COL D / COL C) S/B IN RANGE OF 70-130%. &  & $ & !RCONK153! &   / $ & !RCONK152! &   =  & ((!RCONK153! / !RCONK152!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B 4.c.(2)(a), Column D) of $ & !RCONK153! &  and an "Amortized Cost" (RC-B 4.c.(2)(a), Column C) of $ & !RCONK152! &  for "Other commercial mortgage-backed securities - Issued or guaranteed by U.S. Government agencies or sponsored agencies."  The reported fair value represents  & !RCONK153! / !RCONK152! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM COMML PASS-THROUGH MBS (RC-B 4C1B, COL A) > 0, THEN RC-B 4C1B (COL B / COL A) S/B IN RANGE OF 70-130%. &  & $ & !RCONK147! &   / $ & !RCONK146! &   =  & ((!RCONK147! / !RCONK146!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B 4.c.(1)(b), Column B) of $ & !RCONK147! &  and an "Amortized Cost" (RC-B 4.c.(1)(b), Column A) of $ & !RCONK146! &  for "Commercial mortgage-backed securities - Other pass-through securities."  The reported fair value represents  & !RCONK147! / !RCONK146! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS COMML PASS-THROUGH MBS (RC-B 4C1B, COL C) > 0, THEN RC-B 4C1B (COL D / COL C) S/B IN RANGE OF 70-130%. &  & $ & !RCONK149! &   / $ & !RCONK148! &   =  & ((!RCONK149! / !RCONK148!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B 4.c.(1)(b), Column D) of $ & !RCONK149! &  and an "Amortized Cost" (RC-B 4.c.(1)(b), Column C) of $ & !RCONK148! &  for "Commercial mortgage-backed securities - Other pass-through securities."  The reported fair value represents  & !RCONK149! / !RCONK148! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM OTH COMML MBS (RC-B 4C2B, COL B) > 0, THEN RC-B 4C2B (COL B / COL A) S/B IN RANGE OF 70-130%. &  & $ & !RCONK155! &   / $ & !RCONK154! &   =  & ((!RCONK155! / !RCONK154!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B 4.c.(2)(b), Column B) of $ & !RCONK155! &  and an "Amortized Cost" (RC-B 4.c.(2)(b), Column A) of $ & !RCONK154! &  for "Other commercial MBS - All other commercial MBS." The reported fair value represents  & !RCONK155! / !RCONK154! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS OTH COMML MBS (RC-B 4C2B, COL C) > 0, THEN RC-B 4C2B (COL D / COL C) S/B IN RANGE OF 70-130%. &  & $ & !RCONK157! &   / $ & !RCONK156! &   =  & ((!RCONK157! / !RCONK156!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B 4.c.(2)(b), Column D) of $ & !RCONK157! &  and an "Amortized Cost" (RC-B 4.c.(2)(b), Column C) of $ & !RCONK156! &  for "Other commercial mortgage-backed securities - All other commercial MBS."  The reported fair value represents  & !RCONK157! / !RCONK156! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM STRUCT FINCL PROD (RC-B 5B, COL A) > 0, THEN RC-B 5B (COL B / COL A)  S/B IN RANGE OF 70-130%. &  &  $ & !RCONHT59!& / $ & !RCONHT58! & =  & ((!RCONHT59!/!RCONHT58!) * 100) &  %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B 5, Column B) of $ & !RCONHT59! &  and an "Amortized Cost" (RC-B 5, Column A) of $ & !RCONHT58! &  for "Structured financial products". The reported fair value represents  & (!RCONHT59!/!RCONHT58!) * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS STRUCT FINCL PROD (RC-B 5B, COL C) > 0, THEN RC-B 5B (COL D / COL C) S/B IN RANGE OF 70-130%. &  &  $ & !RCONHT61!& / $ & !RCONHT60! & =  & ((!RCONHT61!/!RCONHT60!) * 100) &  %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B 5.b, Column D) of $ & !RCONHT61! &  and an "Amortized Cost" (RC-B 5.b, Column C) of $ & !RCONHT60! &  for "Structured financial products". The reported fair value represents  & (!RCONHT61!/!RCONHT60!) * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS ABS CR CARD (RC-B M5A, COL C) > 0, THEN RC-B M5A (COL D / COL C) S/B IN RANGE OF 70-130%. &  & $ & !RCONB841! &  / $ & !RCONB840! &  =  & ((!RCONB841! / !RCONB840!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B M.5.a., Column D) of $ & !RCONB841! &  and an "Amortized Cost" (RC-B M.5.a., Column C) of $ & !RCONB840! &  for "Assets-backed securities, Credit card receivables."  The reported fair value represents  & !RCONB841! / !RCONB840! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B 5.a., Column D) of $ & !RCONC027! &  and an "Amortized Cost" (RC-B 5.a., Column C) of $ & !RCONC989! &  for "Asset-backed securities."  The reported fair value represents  & (!RCONC027!/!RCONC989!) * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM ABS HOME-EQU (RC-B M5B, COL A) > 0, THEN RC-B M5B (COL B / COLA) S/B IN RANGE OF 70-130%. &  & $ & !RCONB843! &  / $ & !RCONB842! &  =  & ((!RCONB843! / !RCONB842!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B M.5.b., Column B) of $ & !RCONB843! &  and an "Amortized Cost" (RC-B M.5.b., Column A) of $ & !RCONB842! &  for "Assets-backed securities, Home equity lines."  The reported fair value represents  & !RCONB843! / !RCONB842! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS ABS HOME-EQU (RC-B M5B, COL C) > 0, THEN RC-B M5B (COL D / COL C) S/B IN RANGE OF 70-130%. &  & $ & !RCONB845! &  / $ & !RCONB844! &  =  & ((!RCONB845! / !RCONB844!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B M.5.b., Column D) of $ & !RCONB845! &  and an "Amortized Cost" (RC-B M.5.b., Column C) of $ & !RCONB844! &  for "Assets-backed securities, Home equity lines."  The reported fair value represents  & !RCONB845! / !RCONB844! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM ABS AUTO LNS (RC-B M5C, COL A) > 0, THEN RC-B M5C (COL B / COL A) S/B IN RANGE OF 70-130%. &  & $ & !RCONB847! &  / $ & !RCONB846! &  =  & ((!RCONB847! / !RCONB846!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B M.5.c., Column B) of $ & !RCONB847! &  and an "Amortized Cost" (RC-B M.5.c., Column A) of $ & !RCONB846! &  for "Assets-backed securities, Automobile loans."  The reported fair value represents  & !RCONB847! / !RCONB846! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS ABS AUTO LNS (RC-B M5C, COL C) > 0, THEN RC-B M5C (COL D / COL C) S/B IN RANGE OF 70-130%. &  & $ & !RCONB849! &  / $ & !RCONB848! &  =  & ((!RCONB849! / !RCONB848!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B M.5.c., Column D) of $ & !RCONB849! &  and an "Amortized Cost" (RC-B M.5.c., Column C) of $ & !RCONB848! &  for "Assets-backed securities, Automobile loans."  The reported fair value represents  & !RCONB849! / !RCONB848! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM ABS OTH CONS (RC-B M5D, COL A) > 0, THEN RC-B M5D (COl B / COL A) S/B IN RANGE OF 70-130%. &  & $ & !RCONB851! &  / $ & !RCONB850! &  =  & ((!RCONB851! / !RCONB850!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B M.5.d., Column B) of $ & !RCONB851! &  and an "Amortized Cost" (RC-B M.5.d., Column A) of $ & !RCONB850! &  for "Assets-backed securities, Other consumer loans."  The reported fair value represents  & !RCONB851! / !RCONB850! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS ABS OTH CONS (RC-B M5D, COL C) > 0, THEN RC-B M5D (COL D / COL C) S/B IN RANGE OF 70-130%. &  & $ & !RCONB853! &  / $ & !RCONB852! &  =  & ((!RCONB853! / !RCONB852!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B M.5.d., Column D) of $ & !RCONB853! &  and an "Amortized Cost" (RC-B M.5.d., Column C) of $ & !RCONB852! &  for "Assets-backed securities, Other consumer loans."  The reported fair value represents  & !RCONB853! / !RCONB852! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM ABS C & I LN (RC-B M5E, COL A) > 0, THEN RC-B M5E (COL B / COL A) S/B IN RANGE OF 70-130%. &  & $ & !RCONB855! &  / $ & !RCONB854! &  =  & ((!RCONB855! / !RCONB854!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B M.5.e., Column B) of $ & !RCONB855! &  and an "Amortized Cost" (RC-B M.5.e., Column A) of $ & !RCONB854! &  for "Assets-backed securities, Commercial and industrial loans."  The reported fair value represents  & !RCONB855! / !RCONB854! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS ABS C & I LN (RC-B M5E, COL C) > 0, THEN RC-B M5E (COL D / COL C) S/B IN RANGE OF 70-130%. &  & $ & !RCONB857! &  / $ & !RCONB856! &  =  & ((!RCONB857! / !RCONB856!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B M.5.e., Column D) of $ & !RCONB857! &  and an "Amortized Cost" (RC-B M.5.e., Column C) of $ & !RCONB856! &  for "Assets-backed securities, Commercial and industrial loans." The reported fair value represents  & !RCONB857! / !RCONB856! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM ABS ALL OTHERS (RC-B M5F, COL A) > 0, THEN RC-B M5F (COLB / COL A) S/B IN RANGE OF 70-130%. &  & $ & !RCONB859! &  / $ & !RCONB858! &  =  & ((!RCONB859! / !RCONB858!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B M.5.f., Column B) of $ & !RCONB859! &  and an "Amortized Cost" (RC-B M.5.f., Column A) of $ & !RCONB858! &  for "Assets-backed securities, Other."  The reported fair value represents  & !RCONB859! / !RCONB858! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM STRUC FINCL _TPS BY FIN INST (RC-B M6A, COL A) > 0, THEN RC-B M6A (COL B / COL A) S/B IN RANGE OF 70-130%. &  & $ & !RCONG349! &  / $ & !RCONG348! &  =  & ((!RCONG349! / !RCONG348!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B M6.a., Column B) of $ & !RCONG349! &  and an "Amortized Cost" (RC-B M6.a., Column A) of $ & !RCONG348! &  for Structured financial products whose underlying collateral or reference assets are"Trust preferred securities issued by financial institutions". The reported fair value represents  & (!RCONG349!/!RCONG348!) * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS STRUC FINCL_TPS BY FIN INST (RC-B M6A, COL C) > 0, THEN RC-B M6A (COL D / COL C) S/B IN RANGE OF 70-130%. &  & $ & !RCONG351! &  / $ & !RCONG350! &  =  & ((!RCONG351! / !RCONG350!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B M6.a., Column D) of $ & !RCONG351! &  and an "Amortized Cost" (RC-B M6.a., Column C) of $ & !RCONG350! &  for Structured financial products whose underlying collateral or reference assets are "Trust preferred securities issued by financial institutions". The reported fair value represents  & (!RCONG351!/!RCONG350!) * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM STRUC FINCL _TPS BY RE (RC-B M6B, COL A) > 0, THEN RC-B M6B (COL B / COL A) S/B IN RANGE OF 70-130%. &  & $ & !RCONG353! &/ & !RCONG352! & = & ((!RCONG353! / !RCONG352!) * 100) &  %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B M6.b., Column B) of $ & !RCONG353! &  and an "Amortized Cost" (RC-B M6.b., Column A) of $ & !RCONG352! &  for Structured financial products whose underlying collateral or reference assets are "Trust preferred securities issued by financial real estate investment trusts". The reported fair value represents  & (!RCONG353!/!RCONG352!) * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS STRUC FINCL _TPS BY RE (RC-B M6B, COL C) > 0, THEN RC-B M6B (COL D / COL C) S/B IN RANGE OF 70-130%.

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B M6.b., Column D) of $ & !RCONG355! &  and an "Amortized Cost" (RC-B M6.b., Column C) of $ & !RCONG354! &  for Structured financial products whose underlying collateral or reference assets are "Trust preferred securities issued by financial real estate investment trusts." The reported fair value represents  & (!RCONG355!/!RCONG354!) * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM STRUC FINCL _CORP AND SIMLR LNS (RC-B M6C, COL A) > 0, THEN RC-B M6C (COL B / COL A) S/B IN RANGE OF 70-130%. &  & $ & !RCONG357! &/ & !RCONG356! & = & ((!RCONG357! / !RCONG356!) * 100) &  %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B M6.c., Column B) of $ & !RCONG357! &  and an "Amortized Cost" (RC-B M6.c., Column A) of $ & !RCONG356! &  for Structured financial products whose underlying collateral or reference assets are "Corporate and similar loans." The reported fair value represents  & (!RCONG357!/!RCONG356!) * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS STRUC FINCL _CORP AND SIMLR LNS (RC-B M6C, COL C) > 0, THEN RC-B M6C (COL D / COL C) S/B IN RANGE OF 70-130%. &  & $ & !RCONG359! &/ & !RCONG358! & = & ((!RCONG359! / !RCONG358!) * 100) &  %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B M6.c., Column D) of $ & !RCONG359! &  and an "Amortized Cost" (RC-B M6.c., Column C) of $ & !RCONG358! &  for Structured financial products whose underlying collateral or reference assets are "Corporate and similar loans." The reported fair value represents  & (!RCONG359!/!RCONG358!) * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM STRUC FINCL _1-4 FAM RES MBS BY GSES (RC-B M6D, COL A) > 0, THEN RC-B M6D (COL B / COL A) S/B IN RANGE OF 70-130%. &  & $ & !RCONG361! &/ & !RCONG360! & = & ((!RCONG361! / !RCONG360!) * 100) &  %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B M6.d., Column B) of $ & !RCONG361! &  and an "Amortized Cost" (RC-B M6.d., Column A) of $ & !RCONG360! &  for Structured financial products whose underlying collateral or reference assets are "1-4 family residential MBS issued or guaranteed by U.S. government-sponsored enterprises." The reported fair value represents  & (!RCONG361!/!RCONG360!) * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS STRUC FINCL _1-4 FAM RES MBS BY GSES (RC-B M6D, COL C) > 0, THEN RC-B M6D (COL D / COL C) S/B IN RANGE OF 70-130%. &  & $ & !RCONG363! &/ & !RCONG362! & = & ((!RCONG363! / !RCONG362!) * 100) &  %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B M6.d., Column D) of $ & !RCONG363! &  and an "Amortized Cost" (RC-B M6.d., Column C) of $ & !RCONG362! &  for Structured financial products whose underlying collateral or reference assets are "1-4 family residential MBS issued or guaranteed by U.S. government-sponsored enterprises." The reported fair value represents  & (!RCONG363!/!RCONG362!) * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS ABS ALL OTHERS (RC-B M5F, COL C) > 0, THEN RC-B M5F (COL D / COL C) S/B IN RANGE OF 70-130%. &  & $ & !RCONB861! &  / $ & !RCONB860! &  =  & ((!RCONB861! / !RCONB860!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B M.5.f., Column D) of $ & !RCONB861! &  and an "Amortized Cost" (RC-B M.5.f., Column C) of $ & !RCONB860! &  for "Assets-backed securities, Other."  The reported fair value represents  & !RCONB861! / !RCONB860! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM STRUC FINCL _1-4 FAM RES MBS NOT BY GSES (RC-B M6E, COL A) > 0, THEN RC-B M6E (COL B / COL A) S/B IN RANGE OF 70-130%. &  & $ & !RCONG365! &/ & !RCONG364! & = & ((!RCONG365! / !RCONG364!) * 100) &  %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B M6.e., Column B) of $ & !RCONG365! &  and an "Amortized Cost" (RC-B M6.e., Column A) of $ & !RCONG364! &  for Structured financial products whose underlying collateral or reference assets are "1-4 family residential MBS not issued or guaranteed by U.S. government-sponsored enterprises." The reported fair value represents  & (!RCONG365!/!RCONG364!) * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS STRUC FINCL _1-4 FAM RES MBS NOT BY GSES (RC-B M6E, COL C) > 0, THEN RC-B M6E (COL D / COL C) S/B IN RANGE OF 70-130%. &  & $ & !RCONG367! &/ & !RCONG366! & = & ((!RCONG367! / !RCONG366!) * 100) &  %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B M6.e., Column D) of $ & !RCONG367! &  and an "Amortized Cost" (RC-B M6.e., Column C) of $ & !RCONG366! &  for Structured financial products whose underlying collateral or reference assets are "1-4 family residential MBS not issued or guaranteed by U.S. government-sponsored enterprises." The reported fair value represents  & (!RCONG367!/!RCONG366!) * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM STRUC FINCL _DIVERSIFIED POOLS (RC-B M6F, COL A) > 0, THEN RC-B M6F (COL B / COL A) S/B IN RANGE OF 70-130%. &  & $ & !RCONG369! &/ & !RCONG368! & = & ((!RCONG369! / !RCONG368!) * 100) &  %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B M6.f., Column B) of $ & !RCONG369! &  and an "Amortized Cost" (RC-B M6.f., Column A) of $ & !RCONG368! &  for Structured financial products whose underlying collateral or reference assets are "diversified (mixed) pools of structured financial products." The reported fair value represents  & (!RCONG369!/!RCONG368!) * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS STRUC FINCL _DIVERSIFIED POOLS (RC-B M6F, COL C) > 0, THEN RC-B M6F (COL D / COL C) S/B IN RANGE OF 70-130%. &  & $ & !RCONG371! &/ & !RCONG370! & = & ((!RCONG371! / !RCONG370!) * 100) &  %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B M6.f., Column D) of $ & !RCONG371! &  and an "Amortized Cost" (RC-B M6.f., Column C) of $ & !RCONG370! &  for Structured financial products whose underlying collateral or reference assets are "diversified (mixed) pools of structured financial products." The reported fair value represents  & (!RCONG371!/!RCONG370!) * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM STRUC FINCL _OTHR CLLTRL OR REF ASSTS (RC-B M6G, COL A) > 0, THEN RC-B M6G (COL B / COL A) S/B IN RANGE OF 70-130%. &  & $ & !RCONG373! &/ & !RCONG372! & = & ((!RCONG373! / !RCONG372!) * 100) &  %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B M6.g., Column B) of $ & !RCONG373! &  and an "Amortized Cost" (RC-B M6.g., Column A) of $ & !RCONG372! &  for Structured financial products whose underlying collateral or reference assets are "other collateral of reference assets." The reported fair value represents  & (!RCONG373!/!RCONG372!) * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF PERF. LC (RC-L3) > 0, CONVEYED AMOUNT (RC-L3A) SHLD BE <= (RC-L3) & !RCON3822! &  Not <=  & !RCON3821!

Msg2:
In general, the "Amount of performance standby letters of credit conveyed to others" (RC-L 3.a.) of $ & !RCON3822! &  is expected to be different from the amount of "Performance standby letters of credit" (RC-L 3.) of $ & !RCON3821! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
COMMERCIAL AND SIMILAR LETTERS OF CREDIT (RC-L4) EXCEEDS 25% OF  TOTAL ASSETS (RC-12) RC-L4 =  & !RCON3411! &  ; 25% of total assets =  & (!RCON2170! * 0.25)

Msg2:
Your bank`s "Commercial and similar letters of credit" (RC-L 4.) of $ & !RCON3411! &  seem high when compared to your "Total assets" (RC 12.) of $ & !RCON2170! & , and exceed our tolerance of 25%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RC-L (7A1A THRU 7A4A) > 0, THEN (7B1A+7B2A) / (7A1A THRU 7A4A) SHLD BE BETWEEN 0% AND 10% (7B1A+7B2A) =  & (!RCONC219! + !RCONC220!) & ; (7A1A THRU 7A4A) =  & (!RCONC968! + !RCONC970! + !RCONC972! + !RCONC974!)

Msg2:
Generally, the fair values of derivative contracts are relatively small when compared to the notional amounts.  Our editing tolerances expect fair values to be greater than 0%, but less than 10% of the notional value.  This quarter your bank reported $ & (!RCONC968! + !RCONC970! + !RCONC972! + !RCONC974!) &  of "Total notional value of credit derivatives on which the reporting bank is the guarantor" (RC-L 7.a.(1) through 7.a.(4), Column A) and $ & (!RCONC219! + !RCONC220!) &  of "Gross positive and negative fair value" (RC-L 7.b.(1) + 7.b.(2), Column A).  Your reported fair values are outside the edit tolerance range.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF PREVIOUS (SUM OF RC-L7A1A THRU 7A4A) > (SUM OF RC-L7A1B THRU 7A4B),THEN CURRENT (SUM OF RC-L7A1A THRU 7A4A) SHLD BE > (SUM OF RC-L7A1B THRU 7A4B)CURR (SUM OF RC-L7A1A THRU 7A4A) = $ & (!RCONC968! + !RCONC970! + !RCONC972! + !RCONC974!) &  ; CURR (SUM OF RC-L7A1B THRU 7A4B) = $ & (!RCONC969! + !RCONC971! + !RCONC973! + !RCONC975!)

Msg2:
Last quarter, your "Credit derivatives on which the reporting bank is the guarantor" (RC-L 7.a.(1) through 7.a.(4), Column A) were greater than those in which the reporting bank is the beneficiary (RC-L 7.a.(1) through 7.a.(4), Column B).  This quarter, credit derivatives of $ & (!RCONC968! + !RCONC970! + !RCONC972! + !RCONC974!) & , in which the reporting bank is the guarantor (RC-L 7.a.(1) through 7.a.(4), Column A), are less than or equal to the amount of $ & (!RCONC969! + !RCONC971! + !RCONC973! + !RCONC975!) & , in which the reporting bank is the beneficiary (RC-L 7.a.(1) through 7.a.(4), Column B).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF PREVIOUS (SUM OF RC-L7A1B THRU 7A4B) > (SUM OF RC-L7A1A THRU 7A4A),THEN CURRENT (SUM OF RC-L7A1B THRU 7A4B) SHLD BE > (SUM OF RC-L7A1A THRU 7A4A)CURR (SUM OF RC-L7A1B THRU 7A4B) = $ & (!RCONC969! + !RCONC971! + !RCONC973! + !RCONC975!) &  ; CURR (SUM OF RC-L7A1A THRU 7A4A) = $ & (!RCONC968! + !RCONC970! + !RCONC972! + !RCONC974!)

Msg2:
Last quarter, your "Credit derivatives on which the reporting bank is the beneficiary" (RC-L 7.a.(1) through 7.a.(4), Column B) were greater than those in which the reporting bank is the guarantor (RC-L 7.a.(1) through 7.a.(4), Column A).  This quarter, credit derivatives of $ & (!RCONC969! + !RCONC971! + !RCONC973! + !RCONC975!) & , in which the reporting bank is the beneficiary (RC-L 7.a.(1) through 7.a.(4), Column B), are less than or equal to the amount of $ &  (!RCONC968! + !RCONC970! + !RCONC972! + !RCONC974!)  & , in which the reporting bank is the guarantor (RC-L 7.a.(1) through 7.a.(4), Column A).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RC-L (7A1B THRU 7A4B) > 0, THEN (7B1B+7B2B) / (7A1B THRU 7A4B) SHLD BE BETWEEN 0% AND 10%  (7B1B+7B2B) =  & (!RCONC221! + !RCONC222!) & ; (7A1B THRU 7A4B) =  & (!RCONC969! + !RCONC971! + !RCONC973! + !RCONC975!)

Msg2:
Generally, the fair values of derivative contracts are relatively small when compared to the notional amounts.  Our editing tolerances expect the fair values to be greater than 0%, but less than 10% of the notional values.  This quarter your bank reported $ & !RCONC969! + !RCONC971! + !RCONC973! + !RCONC975! &  of "Total notional value of credit derivatives on which the reporting bank is the beneficiary" (RC-L 7.a.(1) through 7.a.(4), Column B) and a "Gross positive and negative fair value" (RC-L 7.b.(1) + 7.b.(2), Column B) of $ & (!RCONC221! + !RCONC222!) & . Your reported fair values are outside the edit tolerance range.  Please review your reported data, and explain or revise as appropriate.


Msg1:
SUM OF RCL 7C1A AND 7C2A MUST EQUAL RCL 7A1 THRU 7A4 COLUMN A SUM EQUALS $& !RCONG401! + !RCONG403! & REPORTED EQUALS $& !RCONC968! + !RCONC970! + !RCONC972! + !RCONC974! & DIFFERENCE EQUALS  $& (!RCONG401! + !RCONG403!) - (!RCONC968! + !RCONC970! + !RCONC972! + !RCONC974!)

Msg2:
The sum of the notional amounts of credit derivatives by regulatory capital treatment for sold protection, (RC-L, 7.c.(1)(a) and 7.c.(2)(a)) of  & !RCONG401! + !RCONG403! &  must equal the notional amounts of credit derivatives for sold protection (RC-L, 7.a.(1) through 7.a.(4), Column A) of  & !RCONC968! + !RCONC970! + !RCONC972! + !RCONC974! &. Please correct your reported data.


Msg1:
SUM OF RCL 7C1B, 7C2B and 7C2C MUST EQUAL RCL 7A1 THRU 7A4 COLUMN B SUM EQUALS $& !RCONG402! + !RCONG404! + !RCONG405! & REPORTED EQUALS $& !RCONC969! + !RCONC971! + !RCONC973! + !RCONC975! & DIFFERENCE EQUALS  $& (!RCONG402! + !RCONG404! + !RCONG405!) - (!RCONC969! + !RCONC971! + !RCONC973! + !RCONC975!)

Msg2:
The sum of the notional amounts of credit derivatives by regulatory capital treatment for purchased protection, (RC-L, 7.c.(1)(b), 7.c.(2)(b) and 7.c.(2)(c)) of  & !RCONG402! + !RCONG404! + !RCONG405! &  must equal the notional amounts of credit derivatives for purchased protection (RC-L, 7.a.(1) through 7.a.(4), Column B) of  & !RCONC969! + !RCONC971! + !RCONC973! + !RCONC975! &. Please correct your reported data.


Msg1:
SUM OF RCL 7D1A AND 7D1B COLS A THRU C MUST EQUAL RCL 7A1 THRU 7A4 COLUMN A SUM EQUALS $& !RCONG406! + !RCONG407! + !RCONG408! + !RCONG409! + !RCONG410! + !RCONG411! & REPORTED EQUALS $& !RCONC968! + !RCONC970! + !RCONC972! + !RCONC974! & DIFFERENCE EQUALS  $&  (!RCONG406! + !RCONG407! + !RCONG408! + !RCONG409! + !RCONG410! + !RCONG411!) - (!RCONC968! + !RCONC970! + !RCONC972! + !RCONC974!)

Msg2:
The sum of the notional amounts of credit derivatives by remaining maturity for sold protection, (RC-L, 7.d.(1)(a) and 7.d.(1)(b), Columns A, B, and C) of  & !RCONG406! + !RCONG407! + !RCONG408! + !RCONG409! + !RCONG410! + !RCONG411! &  must equal the notional amounts of credit derivatives for sold protection (RC-L, 7.a.(1) through 7.a.(4), Column A) of  & !RCONC968! + !RCONC970! + !RCONC972! + !RCONC974! &. Please correct your reported data.


Msg1:
SUM OF RCL 7D2A AND 7D2B COLS A THRU C MUST EQUAL RCL 7A1 THRU 7A4 COLUMN B SUM EQUALS $& !RCONG412! + !RCONG413! + !RCONG414! + !RCONG415! + !RCONG416! + !RCONG417! & REPORTED EQUALS $& !RCONC969! + !RCONC971! + !RCONC973! + !RCONC975! & DIFFERENCE EQUALS  $&  (!RCONG412! + !RCONG413! + !RCONG414! + !RCONG415! + !RCONG416! + !RCONG417!) - (!RCONC969! + !RCONC971! + !RCONC973! + !RCONC975!)

Msg2:
The sum of the notional amounts of credit derivatives by remaining maturity for purchased protection, (RC-L, 7.d.(2)(a) and 7.d.(2)(b), Columns A, B, and C) of  & !RCONG412! + !RCONG413! + !RCONG414! + !RCONG415! + !RCONG416! + !RCONG417! &  must equal the notional amounts of credit derivatives for purchased protection (RC-L, 7.a.(1) through 7.a.(4), Column B) of  & !RCONC969! + !RCONC971! + !RCONC973! + !RCONC975! &. Please correct your reported data.


Msg1:
ALL OTHER OFF-BALANCE SHEET LIABILITIES (RC-L9) SHOULD NOT EXCEED 20% OF TOTAL ASSETS (RC-12)  &  & RC-L9 =  & !RCON3430! &  ; 20% of total assets =  & (!RCON2170! * 0.20)

Msg2:
Your bank`s "All other off-balance sheet liabilities" (RC-L 9.) of $ & !RCON3430! &  seems high when compared to "Total assets" (RC 12.) of $ & !RCON2170! & , and exceeds our tolerance of 20%.  Please review your reported data, and explain or revise as appropriate.


Msg2:
All other off-balance sheet liabilities (excluding derivatives) exceeding 25% of Schedule RC, item 27.a, "Total bank equity capital," should be itemized in (RC-L 9.b. through 9.f.).  Last quarter, your bank itemized one or more off-balance sheet liabilities in the amount of $ & (!PQ1RCON3434! + !PQ1RCONC978! + !PQ1RCON3555! + !PQ1RCON3556! + !PQ1RCON3557!) & .  However, this quarter you itemized none.  Please review your reported data, and explain or revise as appropriate.


Msg2:
All other off-balance sheet liabilities (excluding derivatives) exceeding 25% of Schedule RC, item 27.a, "Total bank equity capital," should be itemized in (RC-L 9.c. through 9.f.).  Last June or December, your bank itemized one or more off-balance sheet liabilities in the amount of $ & (!PQ2RCONC978! + !PQ2RCON3555! + !PQ2RCON3556! + !PQ2RCON3557!) & .  However, this quarter you itemized none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
ALL OTHER OFF-BALANCE SHEET ASSETS (RC-L10) SHOULD NOT EXCEED 10% OF TOTAL ASSETS (RC-12) |RC-L10 =  & !RCON5591! &  ; 10% of total assets =  & (!RCON2170! * 0.10)

Msg2:
Your bank`s "All other off-balance sheet assets" (RC-L 10.) of $ & !RCON5591! &  seem high when compared to "Total assets" (RC 12.) of $ & !RCON2170! & , and exceed our tolerance of 10%.  Please review your reported data, and explain or revise as appropriate.


Msg2:
All other off-balance sheet liabilities (excluding derivatives) exceeding 25% of Schedule RC, item 27.a, "Total bank equity capital," should be itemized in (RC-L 10.a. through 10.e.).  Last quarter, your bank itemized one or more off-balance sheet liabilities in the amount of $ & (!PQ1RCON3435! + !PQ1RCON5592! + !PQ1RCON5593! + !PQ1RCON5594! + !PQ1RCON5595!) & .  However, this quarter you itemized none.  Please review your reported data, and explain or revise as appropriate.


Msg2:
All other off-balance sheet liabilities (excluding derivatives) exceeding 25% of Schedule RC, item 27.a, "Total bank equity capital," should be itemized in (RC-L 10.b. through 10.e.).  Last June or December, your bank itemized one or more off-balance sheet liabilities in the amount of $ & (!PQ2RCON5592! + !PQ2RCON5593! + !PQ2RCON5594! + !PQ2RCON5595!) & .  However, this quarter you itemized none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
DEC: CURRENT (RC-L11A) SHOULD BE >= JUN (RC-L11A) &  & RC-L11A (curr) =  & !RCONC223! &  ; RC-L11A (Jun) =  & !PQ2RCONC223!

Msg2:
Merchant credit card sales volume items are reported on a calendar year-to-date basis. Therefore, the $ & !RCONC223! &  your bank reported this quarter for "Sales for which the reporting bank is the acquiring bank" (RC-L 11.a.) should be greater than or equal to the $ & !PQ2RCONC223! &  reported in June.  Please review your reported data, and explain or revise as appropriate.


Msg1:
DEC: CURRENT (RC-L11B) SHOULD BE >= JUN (RC-L11B)

Msg2:
Merchant credit card sales volume items are reported on a calendar year-to-date basis.  Therefore, the $ & !RCONC224! &  your bank reported this quarter for "Sales for which the reporting bank is the agent bank with risk" (RC-L 11.b.) should be greater than or equal to the $ & !PQ2RCONC224! &  reported in June.  Please review your reported data, and explain or revise as appropriate.


Msg1:
(RC-D11 + D14) > 0, THEN SUM OF (RC-L13 COL A THRU D) SHOULD BE > 0

Msg2:
Your bank reported "Revaluation gains/losses on derivative contracts held for trading" (RC-D 11. or 14.) of $ & !RCON3543! + !RCON3547! & .  However, you did not report a "Notional amount of derivative contacts held for trading" in (RC-L 13., Columns A through D).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-F6C + RC-G4D) IS > 0, THEN SUM OF (RC-L14 COL A THRU D) S/B > 0(RC-F6C + RC-G4D) =  & (!RCONC010! + !RCONC012!) &  ; (RC-L14 COL A THRU D) =  & !RCON8725! + !RCON8726! + !RCON8727! + !RCON8728!

Msg2:
Your bank reported positive and/or negative fair values for derivatives held for purposes other than trading in (RC-F 6.c.) and/or (RC-G 4.d.) of $ & !RCONC010! + !RCONC012! & .  However, you did not report a "Notional amount of derivative contacts held for purposes other than trading" in (RC-L 14., Columns A through D).  Please review your reported data, and explain or revise as appropriate.


Msg1:
Other borrowings <=1 YR (RC-M5B2) MUST BE <= (RC-M5B1A) & !RCONB571! &   is not <= to  & !RCONF060!

Msg2:
"Other borrowings with a REMAINING MATURITY of one year or less" (RC-M 5.b.(2)) of $ & !RCONB571! &  must be less than or equal to "Other borrowings with a remaining maturity or next repricing date of one year or less" (RC-M 5.b.(1)(a) of $ & (!RCONF060!) & .  Please revise your reported data.


Msg2:
Generally, the fair values of derivative contracts are relatively small when compared to the notional amounts. Our editing tolerances expect the fair values to be greater than zero, but less than or equal to 10% of the notional values. This quarter, your bank reported "Total notional value of interest rate contracts held for trading" (RC-L 13., Column A) of $ & !RCONA126! &  and "Gross fair values of interest rate contracts held for trading" (RC-L 15.a.(1) + 15.a.(2), Column A) of $ & (!RCON8733! + !RCON8737!) & . Please review your reported data, and explain or revise as appropriate.


Msg2:
Generally, the fair values of derivative contracts are relatively small when compared to the notional amounts. Our editing tolerances expect the fair values to be greater than zero, but less than or equal to 10% of the notional values. This quarter, your bank reported "Total notional value of foreign exchange contracts held for trading" (RC-L 13., Column B) of $ & !RCONA127! &  and "Gross fair values of foreign exchange contracts held for trading" (RC-L 15.a.(1) + 15.a.(2), Column B) of $ & (!RCON8734! + !RCON8738!) & . Please review your reported data, and explain or revise as appropriate.


Msg2:
Generally, the fair values of derivative contracts are relatively small when compared to the notional amounts. Our editing tolerances expect the fair values to be greater than zero, but less than or equal to 25% of the notional values. This quarter, your bank reported "Total notional value of equity contracts held for trading" (RC-L 13., Column C) of $ & !RCON8723! &  and "Gross fair values of equity contracts held for trading" (RC-L 15.a.(1) + 15.a.(2), Column C) of $ & (!RCON8735! + !RCON8739!) & . Please review your reported data, and explain or revise as appropriate.


Msg1:
SUM OF (RC-F1 THRU F6) MUST EQUAL TOTAL OTHER ASSETS (RC-F7) &  & Sum =  & (!RCONB556! + !RCON2148! + !RCONHT80! + !RCON1752! + !RCONK201! + !RCONK202! + !RCONK270! + !RCON2168!) &  ; Reported =  & !RCON2160! &  ; Difference =  & (!RCONB556! + !RCON2148! + !RCONHT80! + !RCON1752! + !RCONK201! + !RCONK202! + !RCONK270! + !RCON2168!) - !RCON2160!

Msg2:
"Other assets" components (RC-F 1. through 6.) of $ & (!RCONB556! + !RCON2148! + !RCONHT80! + !RCON1752! + !RCONK201! + !RCONK202! + !RCONK270! + !RCON2168!) &  must equal "Total other assets" (RC-F 7.) of $ & !RCON2160! & .  Please revise your reported data.


Msg2:
Generally, the fair values of derivative contracts are relatively small when compared to the notional amounts. Our editing tolerances expect the fair values to be greater than zero, but less than or equal to 35% of the notional values. This quarter, your bank reported "Total notional value of commodity and other contracts held for trading" (RC-L 13., Column D) of $ & !RCON8724! &  and "Gross fair values of commodity and other contracts held for trading" (RC-L 15.a.(1) + 15.a.(2), Column D) of $ & (!RCON8736! + !RCON8740!) & . Please review your reported data, and explain or revise as appropriate.


Msg2:
Generally, the fair values of derivative contracts are relatively small when compared to the notional amounts. Our editing tolerances expect the fair values to be greater than zero, but less than or equal to 10% of the notional values. This quarter, your bank reported "Total notional value of interest rate contracts not held for trading" (RC-L 14., Column A) of $ & !RCON8725! &  and "Gross fair values of interest rate contracts not held for trading" (RC-L 15.b.(1) + 15.b.(2), Column A) of $ & (!RCON8741! + !RCON8745!) & . Please review your reported data, and explain or revise as appropriate.


Msg1:
SUM OF (RC-L 16B1A THRU 16B7A) MUST = RC-L 16B8A &  &  $ & !RCONG423! + !RCONG428! + !RCONG433! + !RCONG453! & DOES NOT EQUAL $& !RCONG458!

Msg2:
The sum of the fair value of collateral components (RC-L 16.b.(1) through 16.b.(7), Column A) of $& !RCONG423! + !RCONG428! + !RCONG433! + !RCONG453! & must equal the "Total" (RC-L 16.b.(8), Column A) of $& !RCONG458! &. Please revise your reported data.


Msg1:
SUM OF (RC-L 16B1E THRU 16B7E) MUST = RC-L 16B8E &  &  $ & !RCONG427! + !RCONG432! + !RCONG437! + !RCONG457! & DOES NOT EQUAL $& !RCONG462!

Msg2:
The sum of the fair value of collateral components (RC-L 16.b.(1) through 16.b.(7), Column E) of $& !RCONG427! + !RCONG432! + !RCONG437! + !RCONG457! & must equal the "Total" (RC-L 16.b.(8), Column E) of $& !RCONG462! &. Please revise your reported data.


Msg1:
IF RC-R II M1 > 0, THEN SUM OF RC-L 16A COL A THRU E > 0. &  & RC-R II M.1 = $&!RCONG642!&;  Sum of RC-L 16.a = $&!RCONG418!+!RCONG422!

Msg2:
Generally, if the "Current credit exposure across all derivative contracts covered by the regulatory capital rules" (RC-R II M.1.) of $ & !RCONG642! &  is greater than zero, then "Net current credit exposure" of OTC derivatives (RC-L 16.a Col A through E) should be greater than zero.    Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS STRUC FINCL _OTHR CLLTRL OR REF ASSTS (RC-B M6G, COL C) > 0, THEN RC-B M6G (COL D / COL C) S/B IN RANGE OF 70-130%. &  & $ & !RCONG375! &/ & !RCONG374! & = & ((!RCONG375! / !RCONG374!) * 100) &  %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B M6.g., Column D) of $ & !RCONG375! &  and an "Amortized Cost" (RC-B M6.g., Column C) of $ & !RCONG374! &  for Structured financial products whose underlying collateral or reference assets are "other collateral of reference assets." The reported fair value represents  & (!RCONG375!/!RCONG374!) * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM OTH DOM DEBT SEC (RC-B 6A, COL A) > 0, THEN RC-B 6A (COL B / COL A)  S/B IN RANGE OF 70-130%. &  & $ & !RCON1738! &   / $ & !RCON1737! &   =  & ((!RCON1738! / !RCON1737!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B 6.a., Column B) of $ & !RCON1738! &  and an "Amortized Cost" (RC-B 6.a., Column A) of $ & !RCON1737! &  for "Other domestic debt securities."  The reported fair value represents  & !RCON1738! / !RCON1737! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS OTH DOM DEBT SEC (RC-B 6A, COL C) > 0, THEN RC-B 6A (COL D / COL C) S/B IN RANGE OF 70-130%. &  & $ & !RCON1741! &   / $ & !RCON1739! &   =  & ((!RCON1741! / !RCON1739!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B 6.a., Column D) of $ & !RCON1741! &  and an "Amortized Cost" (RC-B 6.a., Column C) of $ & !RCON1739! &  for "Other domestic debt securities."  The reported fair value represents  & !RCON1741! / !RCON1739! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM OTHER FOREIGN DEBT SEC (RC-B 6B, COL A) > 0, THEN RC-B 6B (COL B / COL A) S/B IN RANGE OF 70-130%. &  & $ & !RCON1743! &   / $ & !RCON1742! &   =  & ((!RCON1743! / !RCON1742!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Held-to-maturity" category, your bank reported a "Fair Value" (RC-B 6.b., Column B) of $ & !RCON1743! &  and an "Amortized Cost" (RC-B 6.b., Column A) of $ & !RCON1742! &  for "Other foreign debt securities."  The reported fair value represents  & !RCON1743! / !RCON1742! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AFS OTHER FOREIGN DEBT SEC (RC-B 6B, COL C) > 0, THEN RC-B 6B (COL D / COL C) S/B IN RANGE OF 70-130%. &  & $ & !RCON1746! &   / $ & !RCON1744! &   =  & ((!RCON1746! / !RCON1744!)*100) & %

Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  In the "Available-for-sale" category, your bank reported a "Fair Value" (RC-B 6.b., Column D) of $ & !RCON1746! &  and an "Amortized Cost" (RC-B 6.b., Column C) of $ & !RCON1744! &  for "Other foreign debt securities."  The reported fair value represents  & !RCON1746! / !RCON1744! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF PREV PLEDGED SEC. (RC-BM1) > $5 MIL, THEN CURR (RC-BM1) S/B >0 &  & Previous =  & !PQ1RCON0416!

Msg2:
Last quarter, your bank reported "Pledged securities" in (RC-B M.1.) of $ & !PQ1RCON0416! & .  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-BM2A1+BM2A2+BM2B1+BM2B2)>0 & (BM2D PREV)>5 MIL, (BM2D CURR) S/B >0 &  & Curr =  & !RCONA248! &  ; Prev =  & !PQ1RCONA248!

Msg2:
Last quarter, your bank reported "Debt securities with a remaining maturity of one year or less" (RC-B M.2.d.) of $ & !PQ1RCONA248! & .  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg2:
Last quarter, your bank`s "Debt securities with remaining maturity of one year or less" (RC-B M.2.d.) of $ & !PQ1RCONA248! &  represented  & !PQ1RCONA248! / (!PQ1RCON1754! + !PQ1RCON1773!) * 100 & % of Total Securities (RC-B 8, Column A + Column D) of $ & !PQ1RCON1754! + !PQ1RCON1773!& .  However, this quarter your debt securities of $ & !RCONA248! &  represent  & !RCONA248! / (!RCON1754! + !RCON1773!) * 100 & % of (RC-B, 8 Column A + 8 Column D) of $ & !RCON1754! + !RCON1773! & .  The difference between these ratios is  & (!RCONA248! / (!RCON1754! + !RCON1773!) * 100) - (!PQ1RCONA248! / (!PQ1RCON1754! + !PQ1RCON1773!) * 100) & %, which falls outside our tolerance of plus or minus 30%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
DEC SHOULD BE >= JUN  (RC-B M3).  &  & Curr = & !RCON1778! &  ; Prev = & !PQ2RCON1778!

Msg2:
The amortized cost at date of sale or transfer is reported on a calendar year-to-date basis.  Therefore, the $ & !RCON1778! &  your bank reported this quarter for "Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or trading securities during the calendar year-to-date" (RC-B M.3.) should be greater than or equal to the $ & !PQ2RCON1778! &  reported in the current year June quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-BM4A PREV) >= $5 MIL, THEN (RC-BM4A CURR) SHOULD BE > 0 &  & Previous =  & !PQ1RCON8782!

Msg2:
Last quarter, your bank reported "Amortized cost of Structured notes" (RC-B M.4.a.) of $ & !PQ1RCON8782! & .  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF HTM MAX AMT GUARANTEED OR SPONSORED STRUC SEC IN RC-B 5B (RC-B M7, COL A) > 0, THEN RC-B M7 (COL B / COL A) S/B IN RANGE OF 70-130%. &  & $ & !RCONPU99!& / $ & !RCONPU98! & =  & ((!RCONPU99! /!RCONPU98!) * 100) &%

Msg2:
Generally, the fair value of a security is comparable to its amortized cost. In the "Held-to-maturity" category,  for the maximum amount recoverable from structured financial products "Guaranteed by U.S. Government agencies or sponsored agencies included in RC-B 5.b",  your bank reported a "Fair Value" (RC-B M.7, Column B.) of $ & !RCONPU99! &  and an "Amortized Cost" (RC-B M.7, Column A) of $ & !RCONPU98! & .  The ratio of fair value to amortized cost of & ((!RCONPU99! /!RCONPU98!) * 100) &% falls outside our tolerance range of 70% to 130%.   Please review your reported data,and explain or revise as appropriate.


Msg1:
IF AFS MAX AMT GUARANTEED OR SPONSORED STRUC SEC IN RC-B 5B (RC-B M7, COL C) > 0, THEN RC-B M7 (COL D / COL C) S/B IN RANGE OF 70-130%. &  & $ & !RCONPV01!& / $ & !RCONPV00! & =  & ((!RCONPV01! /!RCONPV00!) * 100) &%

Msg2:
Generally, the fair value of a security is comparable to its amortized cost. In the "Available-for-sale" category, for the maximum amount recoverable from structured financial products "Guaranteed by U.S. Government agencies or sponsored agencies included in RC-B 5.b", your bank reported a "Fair Value" (RC-B M.7, Column D.) of $ & !RCONPV01! &  and an "Amortized Cost" (RC-B M.7, Column C) of  $ & !RCONPV00! & .  The ratio of fair value to amortized cost of   & ((!RCONPV01! /!RCONPV00!) * 100) &%  falls outside our tolerance range of 70% to 130%.   Please review your reported data, and explain or revise as appropriate.


Msg1:
RC-B M7, COL A MUST BE <= RC-B 5B, COL A. &  & RC-B M.7, Col A = $&!RCONPU98!&; RC-B 5.b, Col A = $&!RCONHT58!

Msg2:
The "Amortized Cost" of structured financial products "Guaranteed by U.S. Government agencies or sponsored agencies" (RC-B M.7, Column A) of $ & !RCONPU98! &  must be less than or equal to the "Amortized Cost" of all "Structured financial products" (RC-B 5.b, Column A) of $ & !RCONHT58! &. Please revise your reported data.


Msg1:
RC-B M7, COL B MUST BE <= RC-B 5B, COL B.  &  & RC-B M.7, Col B = $&!RCONPU99!&; RC-B 5.b, Col B = $&!RCONHT59!

Msg2:
The "Fair Value" of structured financial products "Guaranteed by U.S. Government agencies or sponsored agencies" (RC-B M.7, Column B) of $ & !RCONPU99! &  must be less than or equal to the "Fair Value" of all "Structured financial products" (RC-B 5.b, Column B) of $ & !RCONHT59! &. Please revise your reported data.


Msg1:
RC-B M7, COL C MUST BE <= RC-B 5B, COL C.  &  & RC-B M.7, Col C = $&!RCONPV00!&; RC-B 5.b, Col C = $&!RCONHT60!

Msg2:
The "Amortized Cost" of structured financial products "Guaranteed by U.S. Government agencies or sponsored agencies" (RC-B M.7, Column C) of $ & !RCONPV00! &  must be less than or equal to the "Amortized Cost" of all "Structured financial products" (RC-B 5.b, Column C) of $ & !RCONHT60! &. Please revise your reported data.


Msg1:
RC-B M7, COL D MUST BE <= RC-B 5B, COL D.  &  & RC-B M.7, Col D = $&!RCONPV01!&; RC-B 5.b, Col C = $&!RCONHT61!

Msg2:
The "Fair Value" of structured financial products "Guaranteed by U.S. Government agencies or sponsored agencies" (RC-B M.7, Column D) of $ & !RCONPV01! &  must be less than or equal to the "Fair Value" of all "Structured financial products" (RC-B 5.b, Column D) of $ & !RCONHT61! &. Please revise your reported data.


Msg1:
IF AMTZ COST (RC-B M7, COL A) > 0, THEN FV (RC-B M7, COL B) SHOULD BE > 0.  &  & RC-B M.7, Col A = $ &!RCONPU98!&; Col B =  $ &!RCONPU99!

Msg2:
Your institution reported an amount for the "Amortized Cost" of Held-to-maturity "Guaranteed by U.S. Government agencies or sponsored agencies" (RC-B M.7, Column A) of $ & !RCONPU98! & but reported zero for the "Fair Value" (RC-B M.7, Column B).   Please review your reported data, and explain or revise as appropriate.


Msg1:
IF FV (RC-B M7, COL B) > 0, THEN AMTZ COST (RC-B M7, COL A) SHOULD BE > 0.  &  & RC-B M.7, Col B =  $ &!RCONPU99!&; Col A = $ &!RCONPU98!

Msg2:
Your institution reported an amount for the "Fair Value" of Held-to-maturity "Guaranteed by U.S. Government agencies or sponsored agencies" (RC-B M.7, Column B) of $ & !RCONPU99! & but reported zero for the "Amortized Cost" (RC-B M.7, Column A).   Please review your reported data, and explain or revise as appropriate.


Msg1:
IF AMTZ COST (RC-B M7, COL C) > 0, THEN FV (RC-B M7, COL D) SHOULD BE > 0.  &  & RC-B M.7, Col C = $ &!RCONPV00!&; Col D =  $ &!RCONPV01!

Msg2:
Your institution reported an amount for the "Amortized Cost" of Available-for-sale "Guaranteed by U.S. Government agencies or sponsored agencies" (RC-B M.7, Column C) of $ & !RCONPV00! & but reported zero for the "Fair Value" (RC-B M.7, Column D).   Please review your reported data, and explain or revise as appropriate.


Msg1:
IF FV (RC-B M7, COL D) > 0, THEN AMTZ COST (RC-B M7, COL C) SHOULD BE > 0.  &  & RC-B M.7, Col D =  $ &!RCONPV01!&; Col C = $ &!RCONPV00!

Msg2:
Your institution reported an amount for the "Fair Value" of Available-for-sale "Guaranteed by U.S. Government agencies or sponsored agencies" (RC-B M.7, Column D) of $ & !RCONPV01! & but reported zero for the "Amortized Cost" (RC-B M.7, Column C).   Please review your reported data, and explain or revise as appropriate.


Msg2:
Generally, the fair value of a security is comparable to its amortized cost.  Your bank reported a "Fair Value" (RC-B M.4.b.) of $ & !RCON8783! &  and an "Amortized Cost" (RC-B M.4.a.) of $ & !RCON8782! &  for "Structured Notes".  The reported fair value represents  & !RCON8783! / !RCON8782! * 100 & % of the amortized cost and falls outside our tolerance range of 70% to 130%.   Please review your reported data, and explain or revise as appropriate.


Msg2:
Last quarter, your bank reported "Closed-end loans secured by 1-4 family residential properties secured by first liens" (RC-C Part I, 1.c.(2)(a), Column B) of $ & !PQ1RCON5367! &  that were greater than the "Closed-end loans secured by 1-4 family residential properties secured by junior liens" (RC-C Part I, 1.c.(2)(b), Column B) of $ & !PQ1RCON5368! & .  However, this quarter the opposite is true, and the ratio of (RC-C Part I, 1.c.(2)(a), Column B) divided by (RC-C Part I, 1.c.(2)(b), Column B) is  & !RCON5367! / !RCON5368! * 100 & %, which falls below our tolerance of 80%.  Please review your reported data, and explain or revise as appropriate.


Msg2:
Last quarter, your bank reported "Closed-end loans secured by 1-4 family residential properties secured by junior liens" (RC-C Part I, 1.c.(2)(b), Column B) of $ & !PQ1RCON5368! &  that were greater than "Closed-end loans secured by 1-4 family residential properties secured by first liens" (RC-C Part I, 1.c.(2)(a), Column B) of $ & !PQ1RCON5367! & .  However, this quarter the opposite is true, and the ratio of loans secured by junior liens to loans secured by first liens, (RC-C Part I, 1.c.(2)(b), Column B) divided by (RC-C Part I, 1.c.(2)(a), Column B), is  & !RCON5368! / !RCON5367! * 100 & %, which falls below our tolerance of 80%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
ALLOWANCES FOR CREDIT LOSSES ON LNS and LSES (RC 4C) MUST EQUAL (RI-B II 7, COL A).  &  &  & !RCON3123! &   does not equal  & !RIAD3123!

Msg2:
"Allowance for credit losses on loans and leases"  (RC 4.c.) of $ & !RCON3123! &  must equal the "Balance end of current period" (RI-B Part II, 7, Col A) of $ & !RIAD3123! &  on the "Changes in allowance" schedule.  Please revise your reported data.


Msg1:
RI-C 6 COL A + RC-Q 4 COL A MUST EQUAL RC- 4B.  &  & RI-C 6, Col A + RC-Q 4, Col A = $ &!RCONJJ11! +  !RCONG488! &; RC 4.b = $ & !RCONB528!

Msg2:
The amount of $ & !RCONB528! & reported for "Loans and leases held for investment" (RC 4.b) must equal to the "Total" of the "Amortized Costs" of loans and leases, held for investment (RI-C 6, Col A)  plus the "Total fair value reported on schedule RC for loans and leases held for investment" (RC-Q 4, Col A) of $ &!RCONJJ11! + !RCONG488! &. Please revise your reported data.


Msg1:
RI-C 6, COL B MUST EQUAL RC 4C.   &  & RI-C 6, Col B = $ &!RCONJJ19!&; RC 4.c = $ & !RCON3123!

Msg2:
The "Allowance Balance" amount of $ & !RCONJJ19! & reported for "Loans and leases held for investment" (RI-C 6, Col B) must equal "Allowance for credit losses on loans and leases" reported on the Balance Sheet (RC 4.c) of $ &!RCON3123!&. Please revise your reported data.


Msg1:
SUM RI-C 1 THRU 4, COL A MUST EQUAL RI-C 6, COL A.  &  & RI-C 1 thru 4, Col A = $ & !RCONJJ04! + !RCONJJ05! + !RCONJJ06! + !RCONJJ07! + !RCONJJ08! + !RCONJJ09! &;  RI-C 6, Col A = $ & !RCONJJ11!

Msg2:
The sum of "Loans and Leases, Held for Investment" (RI-C 1 through 4, Col A) of $ & !RCONJJ04! + !RCONJJ05! + !RCONJJ06! + !RCONJJ07! + !RCONJJ08! + !RCONJJ09! & must equal the "Total" (RI-C 6, Col A) of $ & !RCONJJ11! &.  Please revise your reported data.


Msg1:
SUM RI-C 1 THRU 5, COL B MUST EQUAL RI-C 6, COL B.  &  & RI-C 1 thru 5, Col B = $ & !RCONJJ12! + !RCONJJ13! + !RCONJJ14! + !RCONJJ15! + !RCONJJ16! + !RCONJJ17! + !RCONJJ18! &;  RI-C 6, Col B = $ & !RCONJJ19!

Msg2:
The sum of "Loans and Leases, Held for Investment" allowance balance (RI-C 1 through 5, Col B) of $ & !RCONJJ12! + !RCONJJ13! + !RCONJJ14! + !RCONJJ15! + !RCONJJ16! + !RCONJJ17! + !RCONJJ18!& must equal the "Total" (RI-C 6, Col B) of $ & !RCONJJ19! &.  Please revise your reported data.


Msg1:
SUM OF RI-C 7 THRU 10 MUST EQUAL RI-C 11.   &  &  RI-C 11 = $ & !RCONJJ25!&;  RI-C 7 thru 10 = $ & !RCONJJ20! + !RCONJJ21! + !RCONJJ23! + !RCONJJ24!

Msg2:
The sum of the balance for the allowance for credit losses for "Held-to-Maturity Securities" categories (RI-C items 7 through 10) of $&!RCONJJ20! + !RCONJJ21! + !RCONJJ23! + !RCONJJ24! & must equal the "Total" amount (RI-C 11) of $&!RCONJJ25!&.   Please revise your reported data.


Msg1:
RI-C 11 MUST EQUAL RI-B II 7, COL B.   &  & RI-C 11 = $ & !RCONJJ25!&;  RI-B II 7, COL B  = $ & !RIADJH93!

Msg2:
The "Total" amount of the allowance for credit losses for "Held-to-Maturity Securities" categories (RI-C, item 11) of $&!RCONJJ25!& must equal the "Balance end of current period" from changes in allowance for credit losses for these same securities (RI-B II 7, Col B) of $&!RIADJH93!&.   Please revise your reported data.


Msg2:
Generally, the "Amortized Cost"  for "Real estate loans", Held for Investment (RI-C  1.a. through 1.c., Column A) of $ & !RCONJJ04! + !RCONJJ05! + !RCONJJ06! &  should be less than or equal "Loans secured by real estate" (RC-C, Part I, 1.a.(1)  through 1.e.(2)., (Col B on FFIEC 041 form) of $ & !RCONF158! + !RCONF159! + !RCON1420! + !RCON1797! + !RCON5367! + !RCON5368! + !RCON1460! + !RCONF160! + !RCONF161! & . Please review your data, and explain or revise as appropriate.


Msg1:
RI-C 2, COL A  SHLD BE <= SUM OF RC-C I 2 THRU 4 PLUS 8 THRU 10, (COL B ON 041).  &  & RI-C 2, Col A = $ & !RCONJJ07! & ;  RC-C I 2 thru 4 and 8 thru 10 = $ & (!RCON1288! + !RCON1590! + !RCON1766! + !RCON2107! + !RCONJ454! + !RCONJ464! + !RCON2165!)

Msg2:
Generally, the "Amortized Cost" i of "Commercial loans", Held for Investment (RI-C item 2, Column A) of $ & !RCONJJ07! &  should be less than or equal to the sum of the components of RC-C items (RC-C, Part I, 2 through 4 plus 8 through 10, (Column B on 041)) of $ & (!RCON1288! + !RCON1590! + !RCON1766! + !RCON2107! + !RCONJ454! + !RCONJ464! + !RCON2165!) & . Please review your data, and explain or revise as appropriate.


Msg1:
RI-C 3, COL A SHLD BE <= RC-C I 6A, (COL B ON 041).  &  & RI-C 3, Col A = $ & !RCONJJ08!& ; RC-C 6.a = $ & !RCONB538!

Msg2:
Generally, the "Amortized Cost" for "Credit cards" loans, Held for Investment (RI-C item 3, Column A) of $ & !RCONJJ08!&  should be less than or equal to "Loans to individuals" that are "Credit cards" (RC-C, Part I, 6.a.,(Column B on 041))) of $ & !RCONB538! & .  Please review your data, and explain or revise as appropriate.


Msg1:
RI-C 4, COL A  SHLD BE <= SUM OF RC-C I 6B THRU 6D, (COL B ON 041).  &  & RI-C 4, Col A = $ & !RCONJJ09!& ;  RC-C I 6.b thru 6.d = $ & (!RCONB539! + !RCONK137! + !RCONK207!)

Msg2:
Generally, the "Amortized Cost" for "Other consumer loans", Held for Investment (RI-C 4, Column A) of $ & !RCONJJ09!&  should be less than or equal to the sum of the components of "Other consumer loans"  (RC-C, Part I, 6.b. through 6.d., (Column B on 041)) of $ & (!RCONB539! + !RCONK137! + !RCONK207!) & .  Please review your data, and explain or revise as appropriate.


Msg1:
RI-C 7 SHLD BE LESS THAN OR EQ RC-B 3, COL A.   &  & RI-C 7 = $ & !RCONJJ20!&;  RC-B 3, COL A  = $ & !RCON8496!

Msg2:
The held-to-maturity debt securities allowance balance for "Securities issued by states and political subdivisions in the U.S." (RI-C 7) of $&!RCONJJ20!& should be less than or equal to the amortized cost of the same debt security reported in RC-B 3, Col A of $&!RCON8496!&.   Please review your reported data, and explain or revise as appropriate.


Msg1:
RI-C 8 SHLD BE LESS THAN OR EQ RC-B 4A1 THRU 4C2B, COL A.   &  & RI-C 8 = $ & !RCONJJ21!&;  RC-B (4.a.(1) thru 4.c.(2)(b)), Col A  =  $&!RCONG300! + !RCONG304! + !RCONG308! + !RCONG312! + !RCONG316!  + !RCONG320! + !RCONK142! + !RCONK146! + !RCONK150! + !RCONK154!

Msg2:
The held-to-maturity debt securities allowance balance for "Total mortgage-backed securities (MBS) (including CMOs, REMICs, and stripped MBS)" (RI-C 8) of $&!RCONJJ21!& should be less than or equal to the amortized cost of the same debt securities reported in RC-B 4.a.(1) through 4.c.(2)(b), Col A of $&!RCONG300! + !RCONG304! + !RCONG308! + !RCONG312! + !RCONG316!  + !RCONG320! + !RCONK142! + !RCONK146! + !RCONK150! + !RCONK154!&.   Please review your reported data, and explain or revise as appropriate.


Msg1:
RI-C 9 SHLD BE LESS THAN OR EQ RC-B (5A + 5B), COL A.   &  & RI-C 9 = $ & !RCONJJ23!&;  RC-B (5.a + 5.b), Col A =  $&!RCONC026! + !RCONHT58!

Msg2:
The held-to-maturity debt securities allowance balance for "Asset-backed securities and structured financial products" (RI-C 9) of $&!RCONJJ23!& should be less than or equal to the amortized cost of the same debt securities reported in RC-B (5.a + 5.b), Col A  of $&!RCONC026! + !RCONHT58!&.   Please review your reported data, and explain or revise as appropriate.


Msg2:
The held-to-maturity debt securities allowance balance for "Other debt securities" (RI-C 10) of $&!RCONJJ24!& should be less than or equal to the amortized cost of the same debt securities reported in RC-B (1, 2, 6.a, 6.b), Col A  of $&!RCON0211! + !RCONHT50! + !RCON1737! + !RCON1742!&.   Please review your reported data, and explain or revise as appropriate.


Msg1:
ALLOWANCE (RI-C 1A, COL B) SHLD BE <= AMORTIZED COST  (RI-C 1A, COL A).  &  & RI-C 1.a, Col B =$& !RCONJJ12!&;  RI-C 1.a, Col A $ & !RCONJJ04!

Msg2:
Generally, the amount of "Allowance Balance" for "Real estate construction loans" (RI-C 1.a, Col B) of $ & (!RCONJJ12!) &  is expected to be less than or equal to its related "Amortized Cost" (RI-C 1.a, Col A) of $ & (!RCONJJ04!) & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
ALLOWANCE (RI-C 1B, COL B) SHOULD BE <=  AMORTIZED COST (RI-C 1B, COL A).  &  & RI-C 1.b, Col B =$& !RCONJJ13!&;  RI-C 1.b, Col A $ & !RCONJJ05!

Msg2:
Generally, the amount of "Allowance Balance" for "Commercial real estate loans" (RI-C 1.b, Col B) of $ & (!RCONJJ13!) &  is expected to be less than or equal to its related "Amortized Cost" (RI-C 1.b, Col A) of $ & (!RCONJJ05!) & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
ALLOWANCE (RI-C 1C, COL B) SHOULD BE <= AMORTIZED COST (RI-C 1C, COL A).  &  & RI-C 1.c, Col B =$& !RCONJJ14!&;  RI-C 1.c, Col A $ & !RCONJJ06!

Msg2:
Generally, the amount of "Allowance Balance" for "Residential real estate loans" (RI-C 1.c, Col B) of $ & (!RCONJJ14!) &  is expected to be less than or equal to its related "Amortized Cost" (RI-C 1.c, Col A) of $ & (!RCONJJ06!) & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
ALLOWANCE (RI-C 2, COL B) SHLD BE <= AMORTIZED COST (RI-C  2, COL A).  &  & RI-C 2, Col B =$& !RCONJJ15!&;  RI-C 2, Col A $ & !RCONJJ07!

Msg2:
Generally, the amount of "Allowance Balance" for "Commercial loans" (RI-C 2, Col B) of $ & (!RCONJJ15!) &  is expected to be less than or equal to its related "Amortized Cost" (RI-C 2, Col A) of $ & (!RCONJJ07!) & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
ALLOWANCE (RI-C 3, COL B) SHLD BE <= AMORTIZED COST (RI-C 3, COL A).  &  & RI-C 3, Col B =$& !RCONJJ16!&;  RI-C 3, Col A $ & !RCONJJ08!

Msg2:
Generally, the amount of "Allowance Balance" for "Credit cards" (RI-C 3, Col B) of $ & (!RCONJJ16!) &  is expected to be less than or equal to its related  "Amortized Cost" (RI-C 3, Col A) of $ & (!RCONJJ08!) & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
ALLOWANCE (RI-C 4, COL B) SHLD BE <=  AMORTIZED COST (RI-C 4, COL A).  &  & RI-C 4, Col B =$& !RCONJJ17!&;  RI-C 4, Col A $ & !RCONJJ09!

Msg2:
Generally, the amount of "Allowance Balance" for "Other consumer loans" (RI-C 4, Col B) of $ & (!RCONJJ17!) &  is expected to be less than or equal to its related "Amortized Cost" (RI-C 4, Col A) of $ & (!RCONJJ09!) & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
RI-C 5, COL B S/B <= 20% OF RI-C 6 COL B.  &  & RI-C 5, Col B = $ & !RCONJJ18! & ; 20% of RI-C 6, Col B = $ & !RCONJJ19! * 0.20

Msg2:
Generally, an institution should only have an unallocated portion of its allowance for credit losses that is appropriately supported and documented, and such an amount would be acceptable as part of management’s best estimate. Your institution`s "Allowance Balance" for "Unallocated" loans, Held for Investment  (RI-C 5, Col B) of $ & !RCONJJ18! &  seems high when compared to the "Total Allowance Balance" (RI-C 6, Col B) of  $ & !RCONJJ19! & , and exceeds our tolerance of 20%.   Please review your reported data, and explain or revise as appropriate.


Msg1:
RI-C 8 SHLD BE LESS THAN OR EQ RC-B 4A1 THRU 4C2B, COL A.   &  & RI-C 8 = $ & !RCONJJ21!&;  RC-B (4.a.(1) thru 4.c.(2)(b)), Col A  =  $&!RCONHT54! + !RCONG308! + !RCONG312! + !RCONG316!  + !RCONG320! + !RCONK142! + !RCONK146! + !RCONK150! + !RCONK154!

Msg2:
The held-to-maturity securities allowance balance for "Mortgage-backed securities (MBS) (including CMOs, REMICs, and stripped MBS)" (RI-C 8) of $&!RCONJJ21!& should be less than or equal to the amortized cost of the same debt securities reported in RC-B 4.a.(1) through 4.c.(2)(b), Col A of $&!RCONHT54!  + !RCONG308! + !RCONG312! + !RCONG316!  + !RCONG320! + !RCONK142! + !RCONK146! + !RCONK150! + !RCONK154!&.   Please review your reported data, and explain or revise as appropriate.


Msg1:
(RC-4B MINUS RC-4C) MUST EQUAL LOANS & LEASES HELD FOR INVESTMENT, NET OF ALLOWANCE (RC-4D) &  & Calculated =  & !RCONB529! &  ;  Reported =  & (!RCONB528! - !RCON3123!)

Msg2:
"Loans and leases held for investment" (RC 4.b.) of $ & !RCONB528! &  minus "Allowance for credit losses on loans and leases" (RC 4.c.) of $ & !RCON3123! &  must equal "Loans and leases held for investment, net of allowance" (RC 4.d.) of $ & !RCONB529! & .  Please revise your reported data.


Msg2:
The sum of the components of total assets (RC 1.a. through 4.a., and 4.d. through 11.) of $ & (!RCON0081! + !RCON0071! + !RCONJJ34! + !RCON1773! + !RCONJA22! + !RCONB987! + !RCONB989! + !RCON5369! + !RCONB529! + !RCON3545! + !RCON2145! + !RCON2150! + !RCON2130! + !RCON3656! + !RCON2143! + !RCON2160!) &  must equal "Total Assets" (RC 12.) of $ & !RCON2170! & .  Please revise your reported data.


Msg1:
IF RC1B>100K, THEN RC-K1 SHOULD BE >0 RC-K1 = $ & !RCON3381! & ; RC1B = $ & !RCON0071!

Msg2:
Your bank reported "interest bearing balances due from depository institutions" (RC 1.b.) of $ & !RCON0071! & . However, you did not report "interest bearing balances" in (RC-K1).  Please review your reported data, and explain or revise as appropriate.


Msg1:
RC 2A MUST EQ RC-B 8, COL A MINUS RI-B II 7, COL B.  &  & RC-B 8, Col A - RI-B II 7, Col B = $&!RCON1754! - !RIADJH93!&; Reported RC 2.a = $ &!RCONJJ34!

Msg2:
"Held-to-maturity securities" on the balance sheet (RC 2.a) is reported net of any applicable allowance for credit losses.  Therefore,  RC 2.a of $&!RCONJJ34!& must equal the "Total Amortized Cost" for "Held-to-Maturity" securities (RC-B 8, Col A) of $& !RCON1754!& less the "Balance end of the current period" for the allowances for credit losses for the same securities (RI-B II 7, Col B) of $ &!RIADJH93!&.   Please revise your reported data.


Msg1:
RC-B 8 COL A MUST EQUAL RC 2A + RI-B II 7, COL B. &  & RC-B 8, Col A =  $& !RCON1754!&;  RC 2.a + RI-B II 7, Col B = $& !RCONJJ34! + !RIADJH93!

Msg2:
"Total Amortized Cost" for "Held-to-Maturity" securities (RC-B 8, Col A) of $& !RCON1754!& must equal "Held-to-maturity securities" on the balance sheet (RC 2.a) of $&!RCONJJ34!&  plus  the "Balance end of the current period" for the allowances for credit losses for the same securities (RI-B II 7, Col B) of $ &!RIADJH93!& for a total of $&!RCONJJ34! + !RIADJH93!&.   Please revise your reported data.


Msg1:
TOTAL ASSETS (RC-12) MUST BE GREATER THAN ZEROReported Amount =  & !RCON2170!

Msg2:
"Total assets" (RC 12.) must be greater than zero.  Please revise your reported data.


Msg1:
MARCH: IF (RI-B5AA + B5AB) > $25K, CREDIT CARD LOANS (RC-C6AB) S/B > 0 Sum = & (!RIADB514!  +  !RIADB515!) &  Reported = & !RCONB538!

Msg2:
Your bank reported Charge-offs and Recoveries on "Loans to individuals for household, family, and other personal expenditures: Credit cards" (RI-B Part I, 5.a., Column A + Column B) of $ & !RIADB514! + !RIADB515! & .  However, you did not report any related loans on the loan schedule (RC-C Part I, 6.a., Column B).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RI-B5AA + B5AB  CURR-PREV) >$25K, THEN (RC-C6AB CURR) S/B > 0Sum =  & (!RIADB514! + !RIADB515!) - (!PQ1RIADB514! +!PQ1RIADB515!) &  ;  Reported =  & !RCONB538!

Msg2:
This quarter, your bank reported Charge-offs and Recoveries on "Loans to individuals for household, family, and other personal expenditures: Credit cards" (RI-B Part I, 5.a., Column A + Column B) of $ & !RIADB514! + !RIADB515! & , that were greater than the previous quarter`s balance of $ & !PQ1RIADB514! + !PQ1RIADB515! & .  However, you did not report any related loans on the loan schedule (RC-C Part I, 6.a., Column B).  Please review your reported data, and explain or revise as appropriate.


Msg1:
MARCH: IF (RI-B5BA + B5BB) > $25K, AUTO LNS (RC-C6CB) SHOULD BE > 0 &  & Sum = $ & !RIADK129! + !RIADK133! &  ;  Reported = $ & !RCONK137!

Msg2:
Your bank reported Charge-offs and Recoveries on "Loans to individuals for household, family, and other personal expenditures: Automobile loans" (RI-B Part I, 5.b., Column A + Column B) of $ & !RIADK129! + !RIADK133! & .  However, you did not report any related loans on the loan schedule ((RC-C Part I, 6.c., Column B)).  Please review your reported data, and explain or revise as appropriate.


Msg1:
RC-C M1F1 + RC-N M1F1 (COLS A THRU C) MUST BE <= RC-C 1B &  & RC-C M1F1 + RC-N M1F1 = $ & !RCONK166! + !RCONK130! + !RCONK131! + !RCONK132! &; RC-CI 1B = $ & !RCON1420!

Msg2:
The sum of "loans secured by farmland" modified for borrowers experiencing financial difficulty that are in compliance with modified terms (RC-CI M1f1) and "loans secured by farmland" modified and past due or in nonaccrual status (RC-N M1.f.1, columns A through C) of $& !RCONK166! + !RCONK130! + !RCONK131! + !RCONK132! & must be less than or equal to "Loans secured by farmland" (RC-CI 1.B) of $& !RCON1420! &. Please revise your reported data.


Msg1:
RC-C M1F4A + RC-N M1F4A (COLS A THRU C) MUST BE <= RC-C 6A &  & RC-C M1F4A + RC-N M1F4A = $ & !RCONK098! + !RCONK274! + !RCONK275! + !RCONK276!&; RC-CI 6A = $ & !RCONB538!

Msg2:
The sum of "Credit cards" modified for borrowers experiencing financial difficulty that are in compliance with modified terms (RC-CI M1.f.4(a)) and "Credit cards" modified and past due or in nonaccrual status (RC-N M1.f.4.(a), columns A through C) of $& !RCONK098! + !RCONK274! + !RCONK275! + !RCONK276! & must be less than or equal to "Credit cards" (RC-CI 6.) of $ & !RCONB538! &. Please revise your reported data.


Msg1:
RC-C M1F4B + RC-N M1F4B (COLS A THRU C) MUST BE <= RC-C 6C &  & RC-C M1F4B + RC-N M1F4B = $ & !RCONK203! + !RCONK277! + !RCONK278! + !RCONK279! &; RC-CI 6C = $ & !RCONK137!

Msg2:
The sum of "Automobile loans" modified for borrowers experiencing financial difficulty that are in compliance with modified terms (RC-CI M1.f.4(b)) and "Automobile loans" modified and past due or in nonaccrual status (RC-N M1.f.4.(b), columns A through C) of $& !RCONK203! + !RCONK277! + !RCONK278! + !RCONK279! & must be less than or equal to "Automobile loans" (RC-CI 6.c.) of $ & !RCONK137! &. Please revise your reported data.


Msg1:
RC-C I M1F5 + RC-N M1F5 (COLS A THRU C) MUST BE <= RC-C 3  &  & RC-C I M.1.f.(5) + RC-N M.1.f.(5) Col A to C = $& !RCONK168! + !RCONK138! + !RCONK139! + !RCONK140! &; RC-C I 3 = $& !RCON1590!

Msg2:
The sum of "Loans to finance agricultural production and other loans to farmers" modified for borrowers experiencing financial difficulty that are in compliance with modified terms (RC-CI M1.f.(5) and "Loans to finance agricultural production and other loans to farmers" modified and past due or in nonaccrual status (RC-N M1.f.(5) columns A through C) of $& !RCONK168! + !RCONK138! + !RCONK139! + !RCONK140! & must be less than or equal to "Loans to finance agricultural production and other loans to farmers" (RC-CI 3.) of $& !RCON1590! &. Please revise your reported data.


Msg1:
SUM OF RC-CI M1F1 THRU M1F5 MUST BE <= RC-CI M1F. &  & SUM RC-C I M.1.f.(1) THRU M.1.f.(5) = $ & (!RCONK166! + !RCONK098! + !RCONK203! + !RCONK204! + !RCONK168!) &; RC-C I M.1.f = $& !RCONK165!

Msg2:
The sum of all significant items included as "All other loans" (RC-C I M1.f.(1) through M.1.f.(5) of $& (!RCONK166! + !RCONK098! + !RCONK203! + !RCONK204! +  !RCONK168!) & , must be less than or equal to "All other loans" (RC-C I M1.f) of $ & !RCONK165! & . Please revise your reported data.


Msg1:
RC-C M1F4C + RC-N M1F4C (COLS A THRU C) MUST BE <= RC-C 6B + 6D,  &  & RC-C M1F4C + RC-N M1F4C = $ &!RCONK204! + !RCONK280! + !RCONK281! + !RCONK282! &; RC-CI 6B + 6D = $ & !RCONB539! + !RCONK207!

Msg2:
The sum of "Other consumer loans" modified for borrowers experiencing financial difficulty that are in compliance with modified terms (RC-CI M1.f.4(c)) and "Other consumer loans" modified and past due or in nonaccrual status (RC-N M1.f.4.(c), columns A through C) of $& !RCONK204! + !RCONK280! + !RCONK281! + !RCONK282! & must be less than or equal to "Other consumer loans" (RC-CI 6.b. + 6.d, Column A) of $ & !RCONB539! + !RCONK207! &. Please revise your reported data.


Msg1:
IF (RI-B5BA + B5BB  CURR-PREV) >$25K, (RC-C 6CB  CURR) S/B > 0 &  & Sum =  & (!RIADK129! + !RIADK133!) - (!PQ1RIADK129! + !PQ1RIADK133!) &  ;  Reported =  & (!RCONK137!)

Msg2:
This quarter, your bank reported Charge-offs and Recoveries on "Loans to individuals for household, family, and other personal expenditures: Automobile loans" (RI-B Part I, 5.b., Column A + Column B) of $ & !RIADK129! + !RIADK133! & , that were greater than the previous quarter`s balance of $ & !PQ1RIADK129! + !PQ1RIADK133! & .  However, you did not report any related loans on the loan schedule (RC-C Part I, 6.c., Column B).  Please review your reported data, and explain or revise as appropriate.


Msg1:
SUM OF (RC-13A1 + 13A2) MUST EQUAL TOTAL DEPOSITS (RC-13A)Sum =  & (!RCON6631! + !RCON6636!) &  ;  Reported =  & !RCON2200! &  ;  Difference =  & !RCON2200! - (!RCON6631! + !RCON6636!)

Msg2:
The sum of "Noninterest-bearing deposits" (RC 13.a.(1)) of $ & !RCON6631! &  and "Interest-bearing deposits" (RC 13.a.(2)) of $ & !RCON6636! &  must equal "Deposits in domestic offices" (RC 13.a.) of $ & !RCON2200! & .  Please revise your reported data.


Msg2:
The sum of the components of total liabilities (RC 13.a. + 14.a. through 20.) of $ & !RCON2200! + !RCONB993! + !RCONB995! + !RCON3548! + !RCON3190! + !RCON3200! + !RCON2930! &  must equal "Total Liabilities" (RC 21.) of $ & !RCON2948! & .  Please revise your reported data.


Msg1:
UNEARNED INCOME ON LOANS (RC-C11 (COL B for 031 and 041)) SHOULD BE > OR EQUAL TO ZERO &  & Reported Amount =  & !RCON2123!

Msg2:
"Unearned income on loans" (RC-C Part I, 11 (Column B for 031 and 041 forms)) should generally be greater than zero.  Please review your reported data, and explain or revise as appropriate.


Msg1:
SUM OF (RC-23 THRU 26C) MUST EQUAL TOTAL BANK EQUITY CAPITAL (RC-27A) & (!RCON3838! + !RCON3230! + !RCON3839! + !RCON3632! + !RCONB530! + !RCONA130!) &  DNE  & !RCON3210!

Msg2:
The sum of the components of bank equity capital (RC 23. through 26.c.) of $ & !RCON3838! + !RCON3230! + !RCON3839! + !RCON3632! + !RCONB530! + !RCONA130! &  must equal "Total bank equity capital" (RC 27a.) of $ & !RCON3210! & .  Please revise your reported data.


Msg1:
EQUITY COMPONENTS (RC-27A THRU 27B) MUST = TOTAL EQUITY CAPITAL (RC-28) &  &  & (!RCON3210! + !RCON3000!) &  DOES NOT EQUAL  & !RCONG105!

Msg2:
The sum of the components of total equity capital (RC 27.a. through 27.b.) of $ & !RCON3210! + !RCON3000!  &  must equal "Total equity capital" (RC 28) of $ & !RCONG105! & .  Please revise your reported data.


Msg1:
IF (RC-27B) >= $1MIL, THEN (RI-13) SHOULD NOT EQUAL ZERO  &  &  RC-27B = $ & !RCON3000!

Msg2:
Your bank reported "Noncontrolling (minority) interests in consolidated subsidiaries" (RC 27.b.) of $ & !RCON3000! & .  However, you did not report any "Net income (loss) attributable to noncontrolling (minority) interests" (RI 13.).   Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RI-13 NOT ZERO, THEN RC-27B SHOULD BE <> 0  &  &  RI-13 = $ & !RIADG103!

Msg2:
Your bank reported "Net income (loss) attributable to noncontrolling (minority) interests" (RI 13.) of $ & !RIADG103! & .  However, you did not report any "Noncontrolling (minority) interests in consolidated subsidiaries" (RC 27.b.).   Please review your reported data, and explain or revise as appropriate.


Msg1:
TOTAL BANK EQUITY CAPITAL (RC-27A) MUST EQUAL (RI-A12) & !RIAD3210! &  DOES NOT EQUAL  & !RCON3210! &  , DIFFERENCE =  & !RCON3210! - !RIAD3210!

Msg2:
"Total bank equity capital" (RC 27.a.) of $ & !RCON3210! &  must equal "Total bank equity capital end of current period" (RI-A 12.) of $ & !RIAD3210! &  on the "Changes in Bank Equity Capital" schedule.  Please revise your reported data.


Msg1:
SUM OF (RC-21 +28) MUST EQUAL TOTAL LIAB AND EQUITY CAPITAL(RC-29)Reported =  & !RCON3300! &; Calculated =  & (!RCON2948! + !RCONG105!)

Msg2:
The sum of "Total liabilities (RC 21.) of $ & !RCON2948! &  and "Total equity capital" (RC 28.) of $ & !RCONG105! &  must equal "Total liabilities and equity capital" (RC 29.) of $ & !RCON3300! & .  Please revise your reported data.


Msg1:
TOTAL LIABILITIES & EQUITY (RC-29) MUST EQUAL TOTAL ASSETS (RC-12) &  &  & !RCON2170! &   does not equal  & !RCON3300! &  , difference =  & !RCON3300! - !RCON2170!

Msg2:
"Total liabilities and equity capital" (RC 29.) of $ & !RCON3300! &  must equal "Total assets" (RC 12.) of $ & !RCON2170! & .  Please revise your reported data.


Msg1:
IF (RC-C I M1A1 PREV) IS > 200K, CURR (RC-C I M1A1) S/B > 0   &  &  Prior =  & !PQ1RCONK158! & ; Curr =  & !RCONK158!

Msg2:
Last quarter, your bank reported "1-4 family residential construction loans" (RC-C Part I, M.1.a.1) of $ & !PQ1RCONK158! &  modified for borrowers experiencing financial difficulty that are in compliance with modified terms.  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF(RC-C I M1A2 PREV) IS > 200K, CURR (RC-C I M1A2) S/B > 0  &  &  Prior = $ & !PQ1RCONK159! & ; Curr = $ & !RCONK159!

Msg2:
Last quarter, your bank reported "Other construction loans and all land development and other land loans" (RC-C Part I, M.1.a.2) of $ & !PQ1RCONK159! &  modified for borrowers experiencing financial difficulty that are in compliance with modified terms.  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-C I M1C PREV) IS > 200K, CURR (RC-C I M1C) S/B > 0 &  &  Prior = $ & !PQ1RCONK160! & ; Curr = $ & !RCONK160!

Msg2:
Last quarter, your bank reported "Loans secured by multifamily (5 or more) residential properties" (RC-C Part I, M.1.c.) of $ & !PQ1RCONK160! &  modified for borrowers experiencing financial difficulty that are in compliance with modified terms.  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF(RC-C I M1D1 PREV) IS > 200K, CURR (RC-C I M1D1) S/B > 0  &  & Prior = $ & !PQ1RCONK161! & ; Curr = $ & !RCONK161!

Msg2:
Last quarter, your bank reported "Loans secured by owner-occupied nonfarm nonresidential properties" (RC-C Part I, M.1.d.1) of $ & !PQ1RCONK161! &   modified for borrowers experiencing financial difficulty that are in compliance with modified terms.  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-C I M1D2 PREV) IS > 200K, CURR (RC-C I M1D2) S/B > 0    &  & Prior = $ & !PQ1RCONK162! & ; Curr = $ & !RCONK162!

Msg2:
Last quarter, your bank reported "Loans secured by other nonfarm nonresidential properties" (RC-C Part I, M.1.d.2) of $ & !PQ1RCONK162! &  modified for borrowers experiencing financial difficulty that are in compliance with modified terms.  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF(RC-C I M1E PREV) IS > 200K, CURR (RC-C I M1E) S/B > 0 &  &  Prior = $ & !PQ1RCONK256! & ;Curr = $ & !RCONK256!

Msg2:
Last quarter, your bank reported "Commercial and industrial loans" (RC-C Part I, M.1.e.) of $ & !PQ1RCONK256! &  modified for borrowers experiencing financial difficulty that are in compliance with modified terms.  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF(RC-C I M1E1 PREV) IS > 0 AND (RC-C I M1E CURR) IS >0, CURR (RC-C I M1E1) S/B > 0 &  &  Prior = $ & !PQ1RCONK163! & ; Curr = $ & !RCONK163!

Msg2:
Last quarter, your bank reported "Commercial and industrial loans to U.S. addressees (domicile)" (RC-C Part I, M.1.e.1) of $ & !PQ1RCONK163! &  modified for borrowers experiencing financial difficulty that are in compliance with modified terms.  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-C I M1E2 PREV) IS > 0 AND (RC-CIM1E CURR) IS >0, CURR (RC-C I M1E2) S/B > 0  &  & Prior = $ & !PQ1RCONK164! & ; Curr = $ & !RCONK164!

Msg2:
Last quarter, your bank reported "Commercial and industrial loans to non-U.S. addressees (domicile)" (RC-C Part I, M.1.e.2) of $ & !PQ1RCONK164! &  modified for borrowers experiencing financial difficulty that are in compliance with modified terms.  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF(RC-C I M1F PREV) IS > 200K, CURR (RC-C I M1F) S/B > 0 &  &  Prior = $ & !PQ1RCONK165! & ; Curr = $ & !RCONK165!

Msg2:
Last quarter, your bank reported "All other loans" (RC-C Part I, M.1.f.) of $ & !PQ1RCONK165! &  modified for borrowers experiencing financial difficulty that are in compliance with modified terms.   However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF(RC-C I M1A1 PREV) IS > 200K, CURR (RC-C I M1A1) S/B > 0.  &  &  Prior =  & !PQ2RCONK158! & ; Curr =  & !RCONK158!

Msg2:
Previously, your bank reported "1-4 family residential construction loans" (RC-C Part I, M.1.a.1) of $ & !PQ2RCONK158! &  modified for borrowers experiencing financial difficulty that are in compliance with modified terms.  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF(RC-C I M1A2 PREV) IS > 200K, CURR (RC-C I M1A2) S/B > 0.  &  & Prior = $ & !PQ2RCONK159! &  ; Curr = $ & !RCONK159!

Msg2:
Previously, your bank reported "Other construction loans and all land development and other land loans" (RC-C Part I, M.1.a.2) of $ & !PQ2RCONK159! &  modified for borrowers experiencing financial difficulty that are in compliance with modified terms.  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF(RC-C I M1B PREV) IS > 200K, CURR (RC-C I M1B) S/B > 0  &  &  Prior = $ & !PQ2RCONF576! & ; Curr = $ & !RCONF576!

Msg2:
Previously, your bank reported  "Loans secured by 1-4 family residential properties" (RC-C Part I, M.1.b.) of $ & !PQ2RCONF576! &  modified for borrowers experiencing financial difficulty that are in compliance with modified terms.  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-C I M1C PREV) IS > 200K, CURR (RC-C I M1C) S/B > 0.  &  & Prior = $ & !PQ2RCONK160! & ; Curr = $ & !RCONK160!

Msg2:
Previously, your bank reported "Loans secured by multifamily (5 or more) residential properties" (RC-C Part I, M.1.c.) of $ & !PQ2RCONK160! & modified for borrowers experiencing financial difficulty that are in compliance with modified terms.  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF(RC-C I M1D1 PREV) IS > 200K, CURR (RC-C I M1D1) S/B > 0. &  & Prior = $ & !PQ2RCONK161! & ; Curr = $ & !RCONK161!

Msg2:
Previously, your bank reported "Loans secured by owner-occupied nonfarm nonresidential properties" (RC-C Part I, M.1.d.1) of $ & !PQ2RCONK161! &  modified for borrowers experiencing financial difficulty that are in compliance with modified terms.  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF(RC-C I M1D2 PREV) IS > 200K, CURR (RC-C I M1D2) S/B > 0.  &  & Prior = $ & !PQ2RCONK162! & ; Curr = $ & !RCONK162!

Msg2:
Previously, your bank reported "Loans secured by other nonfarm nonresidential properties" (RC-C Part I, M.1.d.2) of $ & !PQ2RCONK162! &  modified for borrowers experiencing financial difficulty that are in compliance with modified terms.  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF(RC-C I M1E PREV) IS > 200K, CURR (RC-C I M1E) S/B > 0.  &  & Prior = $ & !PQ2RCONK256! & ;Curr = $ & !RCONK256!

Msg2:
Previously, your bank reported "Commercial and industrial loans" (RC-C Part I, M.1.e.) of $ & !PQ2RCONK256! &  modified for borrowers experiencing financial difficulty that are in compliance with modified terms.  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF(RC-C I M1F PREV) IS > 200K, CURR (RC-C I M1F) S/B > 0.  &  & Prior = $ & !PQ2RCONK165! & ; Curr = $ & !RCONK165!

Msg2:
Previously, your bank reported "All other loans" (RC-C Part I, M.1.f.) of $ & !PQ2RCONK165! &  modified for borrowers experiencing financial difficulty that are in compliance with modified terms.  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CM2A1+CM2A2+CBM2B1+CM2B2)>0 & (CM2C PREV)>0, (CM2C CURR) S/B >0 &  & (RCCM2C PREV)= & !PQ1RCONA247! &  ; (RCCM2C CURR) =  & !RCONA247!

Msg2:
Last quarter, your bank reported "Loans and leases with a REMAINING MATURITY of one year or less (excluding those in nonaccrual status)" (RC-C Part I, M.2.c.) of $ & !PQ1RCONA247! & .  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg2:
Last quarter, your bank`s "Loans and leases with a remaining maturity of one year or less" (RC-C Part I, M.2.c.) of $ & !PQ1RCONA247! &  represented  & (!PQ1RCONA247! / !PQ1RCON2122!) * 100 & % of "Total loans and leases, held for investment and held for sale" (RC-C Part I, 12., Column B) of $ & !PQ1RCON2122! & .  However, this quarter your loans and leases with a remaining maturity of one year or less of $ & !RCONA247! &  represent  & (!RCONA247! / !RCON2122!) * 100 & % of (RC-C Part I, 12., Column B) of $ & !RCON2122! & .  The difference between these ratios is  & (!RCONA247! / !RCON2122! * 100) - (!PQ1RCONA247! / !PQ1RCON2122! * 100) & %, which falls outside our tolerance of plus or minus 30%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
RC-C1M2C SHOULD BE LESS THAN OR EQUAL TO THE SUM OF (RC-C1M2A1+C1M2A2+C1M2B1+C1M2B2)  $  & !RCONA247! &  IS NOT LESS THAN OR EQUAL TO $  & !RCONA564! + !RCONA565! + !RCONA570! + !RCONA571!

Msg2:
The amount of "Loans and leases (reported in Schedule RC-C, Part I, items 1 through 10, column B, above) with a REMAINING MATURITY of one year or less (excluding those in nonaccrual status)" (RC-C Part I, M.2.c) of $  & !RCONA247! &  should be less than or equal to the sum of loans with remaining maturity or next repricing date of "Three months or less" and "Over three months through 12 months" reported in (RC-C Part I, M.2.a.(1) + M.2.a.(2) + M.2.b.(1) + M.2.b.(2)) of $  & !RCONA564! + !RCONA565! + !RCONA570! + !RCONA571! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
PREV COMMERCIAL REAL ESTATE LOANS (RC-CM3) >$500K, CUR (RC-CM3) S/B >0Curr =  & !RCON2746! &  ; Prev =  & !PQ1RCON2746! & ;

Msg2:
Last quarter, your bank reported "Loans to finance commercial real estate, construction, and land development activities" (RC-C Part I, M.3.) of $ & !PQ1RCON2746! & .  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
MARCH: IF (RI-BM1A + BM1B) > $25K, COMML R/E LOAN (RC-CM3) SHLD BE > 0Sum =  & (!RIAD5409! + !RIAD5410!) &  ;  Reported =  & !RCON2746!

Msg2:
Your bank reported Charge-offs and Recoveries on "Loans to finance commercial real estate, construction, and land development activities" (RI-B Part I, M.1., Column A + Column B) of $ & !RIAD5409! + !RIAD5410! & .  However, you did not report any related loans on the loan schedule (RC-C Part I, M.3., Column A).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RI-BM1A + BM1B  CURR - PREV) > $25K, THEN (RC-CM3 CURR) S/B > 0Sum =  & (!RIAD5409! + !RIAD5410!) - (!PQ1RIAD5409! + !PQ1RIAD5410!) &  ;  Reported =  & !RCON2746!

Msg2:
This quarter, your bank reported Charge-offs and Recoveries on "Loans to finance commercial real estate, construction, and land development activities" (RI-B Part I, M.1., Column A + Column B) of $ & !RIAD5409! + !RIAD5410! & , that were greater than the previous quarter`s balance of $ & !PQ1RIAD5409! + !PQ1RIAD5410! & .  However, you did not report any related loans on the loan schedule (RC-C Part I, M.3.).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF PREVIOUS > 0, THEN CURRENT SHOULD BE > 0  (RC-CM4)(RC-CM4) Prev =  & !PQ1RCON5370! &  ; (RC-CM4) Curr =  & !RCON5370!

Msg2:
Last quarter, your bank reported "Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties" (RC-C Part I, M.4.) of $ & !PQ1RCON5370! & .  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RC-C M4 PREVIOUS > 0, THEN CURRENT SHOULD BE > 0.  &  & RC-CM4 Curr =  & !RCON5370!&;  RC-CM4 Prev = & !PQ2RCON5370!

Msg2:
Last June or December your bank reported "Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties" (RC-C Part I, M.4.) of $ & !PQ2RCON5370! & .  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CM4) >0, THEN IT SHOULD NOT EQUAL (RC-C1C1B)(RC-CM4) =  & !RCON5370! &   and (RC-C1C1B) =  & !RCON1797!

Msg2:
"Adjustable rate close-end loans secured by first liens on 1-4 family residential properties" (RC-C Part I, M.4.) of $ & !RCON5370! &  should generally not equal the total "Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit" (RC-C Part I, 1.c.(1), Column B) of $ & !RCON1797! & .  Please review your reported data, and explain or revise as appropriate.


Msg2:
The sum of the components of "Cash and balances due from depository institutions" (RC-A 1.a through 4, (Column B on FFIEC 031)) of $ & (!RCON0020! + !RCON0080! + !RCON0082! + !RCON0070! + !RCON0090!)&  must equal the "Total" (RC-A 5 (Column B on FFIEC 031)) of $ & !RCON0010! & .  Please revise your reported data.


Msg1:
PREV NON-U.S. REAL ESTATE LOANS (RC-CM5) > 0, CURR (RC-CM5) S/B > 0(RC-CM5) Prev =  & !PQ1RCONB837! &  ; (RC-CM5) Curr =  & !RCONB837!

Msg2:
Last quarter, your bank reported "Loans secured by real estate to non-U.S. addressees" (RC-C Part I, M.5.) of $ & !PQ1RCONB837! & . However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
TOTAL CASH & DUE FROM (RC-A5) MUST= (RC-1A + 1B)Sum =  & !RCON0010! &  ;  Reported =  & (!RCON0081! + !RCON0071!) &  ;  Difference =  & ((!RCON0081! + !RCON0071!) - !RCON0010!)

Msg2:
"Total cash and balances due from depository institutions" (RC-A 5.) of $ & !RCON0010! &  must equal the sum of "Noninterest-bearing balances and currency and coin" (RC 1.a.) of $ & !RCON0081! &  and "Interest-bearing balances" (RC 1.b.) of $ & !RCON0071! &  on the Balance Sheet.  Please revise your reported data.


Msg1:
IF PREV DEC RC-C M8A > $100 MIL OR PREV DEC RC-C M8A > 5% OF PREV DEC RC-C 12 (COL B on 031,041), THEN SUM OF RC-C I M8B THRU 8C SHOULD BE GREATER THAN 0.   &  &  Prev Dec RC-C M.8.a = $ & !PQ1RCONF230! & ;  5% of prev Dec RC-C 12 = $ & !PQ1RCON2122!*0.05

Msg2:
Your bank reported "Closed-end loans with negative amortization features secured by 1-4 family residential properties in domestic offices" (RC-C Part I, M.8.a.) of $ & !PQ1RCONF230! &  as of the previous December 31 report date that exceeded the lesser of $100 million or 5% of Total Loans and Leases as of previous December 31 (RC-C I 12 (Col B on the FFIEC 031 and 041) of $ & !PQ1RCON2122!& (5% equals $ & !PQ1RCON2122! * .05&).   However, your bank reported zero for the sum of "Total maximum remaining amount of negative amortization contractually permitted on closed-end loans secured by 1–4 family residential properties" (RC-C Part I, M.8.b.) and "Total amount of negative amortization on closed-end loans secured by 1-4 family residential properties" (RC-C Part I, M.8.c.).  Please review your reported data, and explain or revise as appropriate.


Msg1:
RC-CM8C SHOULD BE LESS THAN OR EQUAL TO 50% of RC-CM8A &  & $ & !RCONF232! &  IS NOT <= $ & !RCONF230! * 0.50

Msg2:
The "Total amount of negative amortization on closed-end loans secured by 1-4 family residential properties" (RC-C Part I, M.8.c.) of $ & !RCONF232! &  appears high when compared to the "Total amount of closed-end loans with negative amortization features secured by 1-4 family residential properties" (RC-C Part I, M.8.a.) of $ & !RCONF230! &  . Your bank`s Total amount of negative amortization on closed-end loans secured by 1-4 family residential properties exceeds our tolerance of 50% of the total amount.  Please review your reported data, and explain or revise as appropriate.


Msg1:
RC-CM8A SHOULD BE LESS THAN OR EQUAL TO 8% OF SUM OF RC-C1C2A AND 1C2B &  & $ & !RCONF230! &  IS NOT <= $ & (!RCON5367! + !RCON5368!)*0.08

Msg2:
"Total amount of negative amortization on closed-end loans secured by 1-4 family residential properties" (RC-C Part I, M.8.a.) of $ & !RCONF230! &  typically does not exceed 8% of sum of "Closed-end loans secured by 1-4 family residential properties" (RC-C Part I, 1.(c).(2)(a) and 1.(c).(2)(b), Column B) of $ & !RCON5367! + !RCON5368!  & .  Please revise your reported data.


Msg1:
IF(RC-C I M1B PREV) IS > 200K, CURR (RC-C I M1B) S/B > 0  &  & Prior = $ & !PQ1RCONF576! & ; Curr = $ & !RCONF576!

Msg2:
Last quarter, your bank reported  "Loans secured by 1-4 family residential properties" modified for borrowers experiencing financial difficulty that are in compliance with modified terms (RC-C Part I, M.1.b.) of $ & !PQ1RCONF576! & .  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RCN-M1B COLS(A,B,C) >0, THEN RCC-M1B SHOULD NOT EQUAL RCN-M1B COLS(A,B,C) &  &  RCC-M1B = $ & !RCONF576!

Msg2:
Generally, "Loans secured by 1-4 family residential properties" that are modified for borrowers experiencing financial difficulty that are in compliance with modified terms (RC-C Part I, M.1.b. Domestic Offices) of $ & !RCONF576! &  are expected to be different from "Loan modifications  - Secured by 1-4 family residential properties" in "Past due" or "Nonaccrual" status (RC-N M.1.b., Columns A, B, C) of $ & (!RCONF661! + !RCONF662! + !RCONF663!) & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
1-4 REAL ESTATE (RCC M1B + RCN M1B) SHOULD BE <= 15% OF RCC 1C  &  & (CM1B + NM1B) = $ & (!RCONF576! + !RCONF661! + !RCONF662! + !RCONF663!)

Msg2:
Your bank`s "Loans secured by 1-4 family residential properties"  modified for borrowers experiencing financial difficulty [sum of (RC-C Part I, M.1.b.) and (RC-N M.1.b., Columns A, B, C)] of $ & (!RCONF576! + !RCONF661! + !RCONF662! + !RCONF663!) &  seem high when compared to "Loans secured by 1-4 family residential properties" (RC-C Part I, 1.c.(1) + 1.c.(2)(a) +1.c.(2)(b), Column B) of $ & (!RCON1797! + !RCON5367! + !RCON5368!) &  and exceed our tolerance of 15%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
1-4 FORECLOSURES (RCC M9) SHOULD BE <= 150% OF NON-PERFORMING (RCN 1C)RCC M9 =  & !RCONF577! & ;150% of RCN 1C =  & (!RCON5398! + !RCONC236! + !RCONC238! + !RCON5399! + !RCONC237! + !RCONC239! + !RCON5400! + !RCONC229! + !RCONC230!) * 1.50

Msg2:
Your banks "Loans secured by 1-4 family residential properties in domestic offices in process of foreclosure (included in RC-C, part I, items 1.c.(1), 1.c.(2)(a), and 1.c.(2)(b))" (RC-C Part I, M.9.) of $ & !RCONF577! & seem high when compared to "Loans secured by 1-4 family residential properties" in "Past due" or "Nonaccrual" status (RC-N 1.c.(1), 1.c.(2)(a), and 1.c.(2)(b), Columns A, B and C) of $ & (!RCON5398! + !RCONC236! + !RCONC238! + !RCON5399! + !RCONC237! + !RCONC239! + !RCON5400! + !RCONC229! + !RCONC230!) &  and exceed our tolerance of 150%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
RCQ M3B SHOULD BE >= 60% AND <= 140% OF RCQ M4B.    &  & RC-Q M.3.b =  & !RCONF585! & ; RC-Q M.4.b  =  & !RCONF597!

Msg2:
Generally, the fair value of loans is comparable to the unpaid principal balance.  Your bank reported "Loans measured at fair value" for "Commercial and industrial loans" (RC-Q M.3.b ) of $ & !RCONF585! &  and "Unpaid principal balance of loans measured at fair value" (RC-Q M.4.b ) of $ & !RCONF597! & .  The ratio of the fair value to the unpaid principal balance falls outside our tolerance range of 60% to 140%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
RCQ M3B MUST BE <= RCC 4A + 4B COL B.  &  & RC-Q M.3.b =  & !RCONF585!  & ; RC-C I 4.a + 4.b, Col B =  & (!RCON1763! + !RCON1764!)

Msg2:
"Commercial and industrial loans" measured at fair value (RC-Q M.3.b ) of $ & !RCONF585! &  must be less than or equal to "Commercial and industrial loans" (RC-C Part I, 4.a. + 4.b, Col B) of $ & !RCON1763!  + !RCON1764! & .  Please revise your reported data.


Msg1:
RCQ M3D SHLD BE >= 60% AND <= 140% OF RCQ M4D.    &  & RC-Q M.3.d =  & !RCONF589! & ; RC-Q M.4.d  =  & !RCONF601!

Msg2:
Generally, the fair value of loans is comparable to the unpaid principal balance.  Your bank reported "Loans measured at fair value" for "Other loans" (RC-Q M.3.d ) of $ & !RCONF589! &  and "Unpaid principal balance of loans measured at fair value" (RC-Q M.4.d ) of $ & !RCONF601! & .  The ratio of the fair value to the unpaid principal balance falls outside our tolerance range of 60% to 140%.  Please review your reported data, and explain or revise as appropriate.


Msg2:
"Other loans" measured at fair value (RC-Q  M.3.d., Col B) of $ & !RCONF589! &  must be less than or equal to "Other loans" (RC-C Part I, 2 + 3 + 8 through 9.b., Col B) of $ & (!RCON1288! + !RCON1590!  + !RCON2107! + !RCONJ454! + !RCONJ464!) & .  Please revise your reported data.


Msg1:
IF RI-M7 OR RI-A7 IS NOT 0, THEN SUM (RC-CM12AA THROUGH RC-CM12DC) SHOULD NOT EQUAL 0 &  &   RI-M7 EQUALS  & !RIAD9106! &, RI-A7 EQUALS $ & !RIAD4356!

Msg2:
Your bank indicated in (RI M.7.)  & !RIAD9106! &  or (RI-A 7.) $ & !RIAD4356! &  that the balance sheet was restated as a result of push down accounting or the bank was involved in a business combination. However, your bank did not report any "Loans (not considered purchased credit deteriorated) and leases held for investment that were acquired in business combinations with acquisition dates in the current calendar year" (RC-C Part I, M.12.a + M.12.b + M.12.c + M.12.d, Columns A, B & C).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RI-M7 AND RI-A 7 EQUAL 0, THEN SUM OF RC-CM12AA THROUGH RC-CM12DC SHOULD EQUAL 0  &  & SUM OF RC-CM12AA THRU CM12DC EQUALS $ & (!RCONG091! + !RCONG092! + !RCONG093! + !RCONG094! + !RCONG095! + !RCONG096! + !RCONG097! + !RCONG098! + !RCONG099! + !RCONG100! +  !RCONG101! + !RCONG102!)

Msg2:
Your bank indicated in (RI M.7.)  & !RIAD9106! &  and (RI-A 7.) $ &!RIAD4356! &  that the balance sheet was not restated as a result of push down accounting and the bank was not in a business combination. However, your bank reported "Loans (not considered purchased credit deteriorated) and leases held for investment that were acquired in business combinations with acquisition dates in the current calendar year" (RC-C Part I, M.12.a + M.12.b + M.12.c + M.12.d, Columns A, B & C) of $ & (!RCONG091! + !RCONG092! + !RCONG093! + !RCONG094! + !RCONG095! + !RCONG096! + !RCONG097! + !RCONG098! + !RCONG099! + !RCONG100! +  !RCONG101! + !RCONG102!) & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
RC-CM12AA SHOULD BE <= 0.90 * RC-CM12AB  &  &   RC-CM12AA = $ & !RCONG091! &; RC-CM12AB = $ & !RCONG092!

Msg2:
Your bank`s "Fair value of acquired loans and leases at acquisition date" for "Loans secured by real estates" (RC-C Part I, M.12.a, Column A) of $ & !RCONG091! &  seems high when compared to the "Gross contractual amounts receivable at acquisition date" (RC-C Part I, M.12.a, Column B) of $ & !RCONG092! & , and exceed our tolerance of 90%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
RC-CM12BA SHOULD BE <= 0.90 * RC-CM12BB  &  &   RC-CM12BA = $ & !RCONG094! &; RC-CM12BB = $ & !RCONG095!

Msg2:
Your bank`s "Fair value of acquired loans and leases at acquisition date" for "Commercial and industrial loans" (RC-C Part I, M.12.b, Column A) of $ & !RCONG094! &  seems high when compared to the "Gross contractual amounts receivable at acquisition date" (RC-C Part I, M.12.b, Column B) of $ & !RCONG095! & , and exceed our tolerance of 90%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
RC-CM12CA SHOULD BE <= 0.90 * RC-CM12CB  &  &   RC-CM12CA = $ & !RCONG097! &; RC-CM12CB = $ & !RCONG098!

Msg2:
Your bank`s "Fair value of acquired loans and leases at acquisition date" for "Loans to individuals for household, family , and other personal expenditures" (RC-C Part I, M.12.c, Column A) of $ & !RCONG097! &  seems high when compared to the "Gross contractual amounts receivable at acquisition date" (RC-C Part I, M.12.c, Column B) of $ & !RCONG098! & , and exceed our tolerance of 90%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
RC-CM12DA SHOULD BE <= 0.90 * RC-CM12DB  &  &   RC-CM12DA = $ & !RCONG100! &; RC-CM12DB = $ & !RCONG101!

Msg2:
Your bank`s "Fair value of acquired loans and leases at acquisition date" for "All other loans and leases" (RC-C Part I, M.12.d, Column A) of $ & !RCONG100! &  seems high when compared to the "Gross contractual amounts receivable at acquisition date" (RC-C Part I, M.12.d, Column B) of $ & !RCONG101! & , and exceed our tolerance of 90%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
RC-CM12AC SHOULD BE <= 0.15 * RC-CM12AB   RC-CM12AC = $ & !RCONG093! &; RC-CM12AB = $ & !RCONG092!

Msg2:
Your bank`s "Best estimate at acquisition date of contractual cash flows not expected to be collected" for "Loans secured by real estate" (RC-C Part I, M.12.a, Column C) of $ & !RCONG093! &  seems high when compared to the "Gross contractual amounts receivable at acquisition date" (RC-C Part I, M.12.a, Column B) of $ & !RCONG092! & , and exceed our tolerance of 15%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
RC-CM12BC SHOULD BE <= 0.15 * RC-CM12BB   RC-CM12BC = $ & !RCONG096! &; RC-CM12BB = $ & !RCONG095!

Msg2:
Your bank`s "Best estimate at acquisition date of contractual cash flows not expected to be collected" for "Commercial and industrial loans" (RC-C Part I, M.12.b, Column C) of $ & !RCONG096! &  seems high when compared to the "Gross contractual amounts receivable at acquisition date" (RC-C Part I, M.12.b, Column B) of $ & !RCONG095! & , and exceed our tolerance of 15%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
RC-CM12CC SHOULD BE <= 0.15 * RC-CM12CB   RC-CM12CC = $ & !RCONG099! &; RC-CM12CB = $ & !RCONG098!

Msg2:
Your bank`s "Best estimate at acquisition date of contractual cash flows not expected to be collected" for "Loans to individuals for household, family , and other personal expenditures" (RC-C Part I, M.12.c, Column C) of $ & !RCONG099! &  seems high when compared to the "Gross contractual amounts receivable at acquisition date" (RC-C Part I, M.12.c, Column B) of $ & !RCONG098! & , and exceed our tolerance of 15%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
RC-CM12DC SHOULD BE <= 0.15 * RC-CM12DB   RC-CM12DC = $ & !RCONG102! &; RC-CM12DB = $ & !RCONG101!

Msg2:
Your bank`s "Best estimate at acquisition date of contractual cash flows not expected to be collected" for "All other loans and leases" (RC-C Part I, M.12.d, Column C) of $ & !RCONG102! &  seems high when compared to the "Gross contractual amounts receivable at acquisition date" (RC-C Part I, M.12.d, Column B) of $ & !RCONG101! & , and exceed our tolerance of 15%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RI-M7 CURR NOT= PREV, THEN RC-CM12AA SHOULD BE BETWEEN 90-100% OF (RC-C1A1B THROUGH C1E2B)  RC-CM12AA = $ & !RCONG091! & ;  SUM OF (RC-C1A1B THROUGH C1E2B) = $ & !RCONF158! + !RCONF159! + !RCON1420! + !RCON1797! + !RCON5367! + !RCON5368! + !RCON1460! + !RCONF160! + !RCONF161!

Msg2:
Your bank indicated in (RI M.7.)  & !RIAD9106! &  that the balance sheet was restated as a result of applying push down accounting during this quarter.  Generally, the "Fair value of acquired loans and leases at acquisition date" for "Loans secured by real estate" (RC-C Part I, M.12.a., Column A) of $ & !RCONG091! &  is comparable to "Loans secured by real estate" (RC-C Part I, 1.a.(1) through 1.e.(2), Column B) of $ & !RCONF158! + !RCONF159! + !RCON1420! + !RCON1797! + !RCON5367! + !RCON5368! + !RCON1460! + !RCONF160! + !RCONF161! & .   The ratio of the fair value to the loan balance falls outside our tolerance range of 90% to 100%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RI-M7 CURR NOT= PREV, RC-CM12BA SHOULD BE BETWEEN 90-100% OF RC-C4B RC-CM12BA = $ & !RCONG094! & ; RC-C4B = $ & !RCON1766!

Msg2:
Your bank indicated in (RI M.7.)  & !RIAD9106! &  that the balance sheet was restated as a result of applying push down accounting during this quarter.  Generally, the "Fair value of acquired loans and leases at acquisition date" for "Commercial and industrial loans" (RC-C Part I, M.12.b., Column A) of $ & !RCONG094! &  is comparable to "Commercial and industrial loans" (RC-C Part I, 4., Column B) of $ & !RCON1766! & .   The ratio of the fair value to the loan balance falls outside our tolerance range of 90% to 100%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RI-M7 CURR NOT= PREV, THEN RC-CM12CA SHOULD BE BETWEEN 90-100% OF (RC-C6A + C6B + C6C + C6D) &  & RC-CM12CA = $ & !RCONG097! & ; SUM OF (RC-C6A + C6B + C6C + C6D) = $ & !RCONB538! + !RCONB539! + !RCONK137! + !RCONK207!

Msg2:
Your bank indicated in (RI M.7.)  & !RIAD9106! &  that the balance sheet was restated as a result of applying push down accounting during this quarter.  Generally, the "Fair value of acquired loans and leases at acquisition date" for "Loans to individuals for household, family , and other personal expenditures" (RC-C Part I, M.12.c., Column A) of $ & !RCONG097! &  is comparable to "Loans to individuals for household, family , and other personal expenditures" (RC-C Part I, 6.a. + 6.b. +6.c. +6.d, Column B) of $ & !RCONB538! + !RCONB539! + !RCONK137! + !RCONK207! & .   The ratio of the fair value to the loan balance falls outside our tolerance range of 90% to 100%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RI-M7 CURR NOT= PREV, THEN RC-CM12DA SHOULD BE BETWEEN 90-100% OF (RC-C2B + C3B + C8B + C9B + C10B)  &  &  RC-CM12DA = $ & !RCONG100! & ; SUM OF RC-C ITEMS = $ & !RCON1288! + !RCON1590!  + !RCON2107! + !RCONJ454! + !RCONJ464! + !RCON2165!

Msg2:
Your bank indicated in (RI M.7.)  & !RIAD9106! &  that the balance sheet was restated as a result of applying push down accounting during this quarter.  Generally, the "Fair value of acquired loans and leases at acquisition date" for "All other loans and all leases" (RC-C Part I, M.12.d., Column A) of $ & !RCONG100!  &  is comparable to the calculated balance of all other loans  and all leases (RC-C Part I, 2. + 3. + 8. through 10., Column B) of $ & !RCON1288! + !RCON1590!  + !RCON2107! + !RCONJ454! + !RCONJ464! + !RCON2165! & .  The ratio of the fair value to the calculated loan balance falls outside our tolerance range of 90% to 100%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RI-A7 CURR NOT EQUAL PREV AND RI-M7 EQUALS ZERO, THEN RC-CM12AA SHOULD BE <= 0.25 * (RC-C1A1B THROUGH C1E2B)  RC-CM12AA = $ & !RCONG091! & ; SUM OF (RC-C1A1B THROUGH C1E2B) = $ & !RCONF158! + !RCONF159! + !RCON1420! + !RCON1797! + !RCON5367! + !RCON5368! + !RCON1460! + !RCONF160! + !RCONF161!

Msg2:
Your bank`s "Fair value of acquired loans and leases at acquisition date" for "Loans secured by real estate" (RC-C Part I, M.12.a., Column A) of $ & !RCONG091! &  seems high when compared to "Loans secured by real estate" (RC-C Part I, 1.a.(1) through 1.e.(2), Column B) of $ & !RCONF158! + !RCONF159! + !RCON1420! + !RCON1797! + !RCON5367! + !RCON5368! + !RCON1460!  + !RCONF160! + !RCONF161! & , and exceeds our tolerance of 25%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RI-A7 CURR NOT EQUAL PREV AND RI-M7 EQUALS ZERO, THEN RC-CM12BA SHOULD BE <= 0.25 * (RC-C4B)  RC-CM12BA = $ & !RCONG094! & ; RC-C4B = $ & !RCON1766!

Msg2:
Your bank`s "Fair value of acquired loans and leases at acquisition date" for "Commercial and industrial loans" (RC-C Part I, M.12.b., Column A) of $ & !RCONG094! &  seems high when compared to "Commercial and industrial loans" (RC-C Part I, 4., Column B) of $ & !RCON1766! & , and exceeds our tolerance of 25%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RI-A7 CURR NOT EQUAL PREV AND RI-M7 EQUALS ZERO, THEN RC-CM12CA SHOULD BE <= 0.25 * (RC-C6AB + C6BB + C6CB + C6DB) &  & RC-CM12CA = $ & !RCONG097! & ; SUM OF (RC-C6AB + C6BB + C6CB + C6DB) = $ & !RCONB538! + !RCONB539! + !RCONK137! + !RCONK207!

Msg2:
Your bank`s "Fair value of acquired loans and leases at acquisition date" for "Loans to individuals for household, family , and other personal expenditures" (RC-C Part I, M.12.c., Column A) of $ & !RCONG097! &  seems high when compared to "Loans to individuals for household, family , and other personal expenditures" (RC-C Part I, 6.a. + 6.b. + 6.c. + 6.d., Column B) of $ & !RCONB538! + !RCONB539! + !RCONK137! + !RCONK207! & , and exceeds our tolerance of 25%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RI-A7 CURR NOT EQUAL PREV AND RI-M7 EQUALS ZERO, THEN RC-CM12DA SHOULD BE <= 0.25 * (RC-C2B + C3B + C8B + C9B + C10B)  &  &  RC-CM12DA = $ & !RCONG100!& ; SUM OF RC-C ITEMS = $ & !RCON1288! + !RCON1590!  + !RCON2107! + !RCONJ454! + !RCONJ464! + !RCON2165!

Msg2:
Your bank`s "Fair value of acquired loans and leases at acquisition date" for "All other loans and all leases" (RC-C Part I, M.12.d., Column A) of $ & !RCONG100! &  seems high when compared to the calculated balance of all other loans and all leases (RC-C Part I, 2. + 3. + 8. through 10., Column B) of $ & !RCON1288! + !RCON1590! +  !RCON2107! + !RCONJ454! + !RCONJ464! + !RCON2165! & , and exceeds our tolerance of 25%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RI-A7 AND RI-M7 CURR = PREV, THEN RC-CM12AA CURR SHOULD EQUALS PREVIOUSLY REPORTED.  &  & RC-CM12AA  Current = $ & !RCONG091! & ; Previous = $ & !PQ2RCONG091!

Msg2:
In the absence of a business combination or an application of push down accounting, the balance of "Fair value of acquired loans and leases at acquisition date" for "Loans secured by real estate" (RC-C Part I, M.12.a., Column A) reported for the current quarter-end should equal the amount previously reported.  Your bank reported $ & !PQ2RCONG091! &  previously  and $ & !RCONG091! &  for current quarter-end.  Please review and explain, or revise as appropriate.


Msg1:
IF RI-A7 AND RI-M7 CURR = PREV, THEN RC-CM12BA CURR SHOULD EQUALS PREVIOUS &  &   RC-CM12BA  Current = $ & !RCONG094! & ; Previous = $ & !PQ1RCONG094!

Msg2:
In the absence of a business combination or an application of push down accounting, the balance of "Fair value of acquired loans and leases at acquisition date" for "Commercial and industrial loans" (RC-C Part I, M.12.b., Column A) reported for the current quarter-end should equal the amount reported for the previous quarter-end .  Your bank reported $ & !PQ1RCONG094! &  for the previous quarter-end and $ & !RCONG094! &  for current quarter-end.  Please review and explain, or revise as appropriate.


Msg1:
IF RI-A7 AND RI-M7 CURR = PREV, THEN RC-CM12CA CURR SHOULD EQUALS PREVIOUS  &  &   RC-CM12CA  Current = $ & !RCONG097! & ; Previous = $ & !PQ1RCONG097!

Msg2:
In the absence of a business combination or an application of push down accounting, the balance of "Fair value of acquired loans and leases at acquisition date" for "Loans to individuals for household, family , and other personal expenditures" (RC-C Part I, M.12.c., Column A) reported for the current quarter-end should equal the amount reported for the previous quarter-end .  Your bank reported $ & !PQ1RCONG097! &  for the previous quarter-end and $ & !RCONG097! &  for current quarter-end.  Please review and explain, or revise as appropriate.


Msg1:
IF RI-A7 AND RI-M7 CURR = PREV, THEN RC-CM12DA CURR SHOULD EQUALS PREVIOUS  &  &   RC-CM12DA  Current = $ & !RCONG100! & ; Previous = $ & !PQ1RCONG100!

Msg2:
In the absence of a business combination or an application of push down accounting, the balance of "Fair value of acquired loans and leases at acquisition date" for "All other loans" (RC-C Part I, M.12.d., Column A) reported for the current quarter-end should equal the amount reported for the previous quarter-end .  Your bank reported $ & !PQ1RCONG100! &  for the previous quarter-end and $ & !RCONG100! &  for current quarter-end.  Please review and explain, or revise as appropriate.


Msg1:
RCC M13A SHOULD BE LT OR EQUAL TO SUM OF RCC 1A1 AND 1A2 $ & !RCONG376! &  IS NOT LT OR EQUAL TO $ & (!RCONF158! + !RCONF159!)

Msg2:
The "Amount of constuction, land development, and other land loans that provide for the use of interest reserves" (RC-C M13.a) of $ & !RCONG376! & should be less than or equal to total "Construction, land development, and other land loans" (RC-C 1.a.(1) + 1.a.(2)) of $ & (!RCONF158! + !RCONF159!) &. Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RI-M7 OR RI-A7 IS NOT 0, THEN SUM (RC-CM12 COL A TO C) SHOULD NOT EQUAL 0.   &  & RI M.7 EQUALS & !RIAD9106! &, RI-A 7 EQUALS $ & !RIAD4356!

Msg2:
Your bank reported   & !RIAD9106! &  in RI M.7 or $ & !RIAD4356! &  in RI-A 7  that the balance sheet was restated as a result of push down accounting or the bank was involved in a business combination. However, your bank did not report any "Loans (not considered purchased credit deteriorated) and leases held for investment that were acquired in business combinations with acquisition dates in the current calendar year" (RC-C Part I, M.12, Columns A, B & C).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RI-M7 AND RI-A7 EQUAL 0, THEN SUM (RC-CM12 COL A TO C) SHOULD EQUAL 0.  &  & SUM (RC-C M.12 Col A to Col C) equals  $ &(!RCONGW45! + !RCONGW46! + !RCONGW47!)

Msg2:
Your bank indicated   & !RIAD9106! &   in RI M.7 and $ &!RIAD4356! &  in RI-A 7 that the balance sheet was not restated as a result of push down accounting and the bank was not in a business combination. However, your bank reported "Loans (not considered purchased credit deteriorated) and leases held for investment that were acquired in business combinations with acquisition dates in the current calendar year" (RC-C Part I, M.12 Columns A, B & C) of $ &(!RCONGW45! + !RCONGW46! + !RCONGW47!)& .  Please review your reported data, and explain or revise as appropriate.


Msg1:
RC-CM12 COL A SHOULD BE <= 0.90 * RC-CM12 COL B.  &  & RC-C M.12 Col A = $ & !RCONGW45!& is not <= 90% of RC-C M.12 Col B  (.90 x &!RCONGW46!& = $& .90 * !RCONGW46!&)

Msg2:
Your bank`s "Fair value of acquired loans and leases at acquisition date"  (RC-C Part I, M.12, Column A) of $ & !RCONGW45! &  seems high when compared to the "Gross contractual amounts receivable at acquisition date" (RC-C Part I, M.12, Column B) of $ & !RCONGW46! & , and exceeds our tolerance of 90%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
RC-CM12 COL C SHOULD BE <= 0.15 * RC-CM12 COL B.   &  & RC-C M.12 Col C = $ & !RCONGW47!& is not <= 15% of RC-C M.12 Col B (.15 x & !RCONGW46!& = $& .15 * !RCONGW46!&)

Msg2:
Your bank`s "Best estimate at acquisition date of contractual cash flows not expected to be collected" (RC-C Part I, M.12, Column C) of $ & !RCONGW47! &  seems high when compared to the "Gross contractual amounts receivable at acquisition date" (RC-C Part I, M.12, Column B) of $ & !RCONGW46! & , and exceed our tolerance of 15%.  Please review your reported data, and explain or revise as appropriate.


Msg2:
Your bank indicated in (RI M.7.)  & !RIAD9106! &  that the balance sheet was restated as a result of applying push down accounting during this quarter.  Generally, the "Fair value of acquired loans and leases at acquisition date"  (RC-C Part I, M.12, Column A) of $ & !RCONGW45! &  should be comparable to "Loans and Leases" reported on RC-C Part I, 1.a.(1) through 10) of $ & !RCONF158! + !RCONF159! + !RCON1420! + !RCON1797! + !RCON5367! + !RCON5368! + !RCON1460! + !RCONF160! + !RCONF161! + !RCON1288! + !RCON1590! + !RCON1766! + !RCONB538!+ !RCONB539! + !RCONK137! + !RCONK207! + !RCON2107! + !RCONJ454! + !RCONJ464! + !RCON2165!&.   The ratio of the fair value to the loan balance falls outside our tolerance range of 90% to 100%.  Please review your reported data, and explain or revise as appropriate.


Msg2:
Your bank`s "Fair value of acquired loans and leases at acquisition date"  (RC-C Part I, M.12, Column A) of $ & !RCONGW45! &  seems high when compared to "Loans and Leases" reported on RC-C Part I, 1.a.(1) through 10) of $ & !RCONF158! + !RCONF159! + !RCON1420! + !RCON1797! + !RCON5367! + !RCON5368! + !RCON1460! + !RCONF160! + !RCONF161! + !RCON1288! + !RCON1590! + !RCON1766! + !RCONB538!+ !RCONB539! + !RCONK137! + !RCONK207! + !RCON2107! + !RCONJ454! + !RCONJ464! + !RCON2165!&,  and exceeds our tolerance of 25%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RI-A7 AND RI-M7 CURR = PREV, THEN RC-C M12 COL A CURR SHOULD EQUAL PREVIOUSLY REPORTED.   &  & RC-C M.12 Col A  Current = $ & !RCONGW45! & ; Previous = $ & !PQ2RCONGW45!

Msg2:
In the absence of a business combination or an application of push down accounting, the balance of "Fair value of acquired loans and leases at acquisition date"  (RC-C Part I, M.12., Column A) reported for the current quarter-end should equal the amount previously reported.  Your bank reported $ & !PQ2RCONGW45! &  previously and $ & !RCONGW45! &  for current quarter-end.  Please review and explain, or revise as appropriate.


Msg2:
Generally, the fair value of loans is comparable to the unpaid principal balance.  Your bank reported "Loans measured at fair value" for "Loans secured by 1-4 family residential properties" (RC-Q M.3.a.(1)) of $ & !RCONHT87! &  and "Unpaid principal balance of loans measured at fair value" (RC-Q M.4.a.(1) ) of $ & !RCONHT91! & .  The ratio of the fair value to the unpaid principal balance falls outside our tolerance range of 60% to 140%.  Please review your reported data, and explain or revise as appropriate.


Msg2:
Generally, the fair value of loans is comparable to the unpaid principal balance.  Your bank reported "Loans measured at fair value" for "All other loans secured by real estate" (RC-Q M.3.a.(2)) of $ & !RCONHT88! &  and "Unpaid principal balance of loans measured at fair value" (RC-Q M.4.a.(2) ) of $ & !RCONHT92! & .  The ratio of the fair value to the unpaid principal balance falls outside our tolerance range of 60% to 140%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
RCQ M3C SHLD BE >= 60% AND <= 140% OF RCQ M4C.   &  & RC-Q M.3.c = $ & !RCONHT89! & ; RC-Q M.4.c  = $ & !RCONHT93!

Msg2:
Generally, the fair value of loans is comparable to the unpaid principal balance.  Your bank reported "Loans measured at fair value" for "Loans to individuals for household, family, and other personal expenditures" (RC-Q M.3.c) of $ & !RCONHT89! &  and "Unpaid principal balance of loans measured at fair value" (RC-Q M.4.c) of $ & !RCONHT93! & .  The ratio of the fair value to the unpaid principal balance falls outside our tolerance range of 60% to 140%.  Please review your reported data, and explain or revise as appropriate.


Msg2:
"Loans secured by 1-4 family residential properties" measured at fair value (RC-Q, M.3.a.(1))  of $ & !RCONHT87! &  must be less than or equal to "Loans secured by 1-4 family residential properties" (RC-C, 1.c.(1) + 1.c.(2)(a) + 1.c.(2)(b), Col B) of $ & !RCON1797! + !RCON5367! + !RCON5368! & .  Please revise your reported data.


Msg2:
"All other loans secured by real estate" measured at fair value (RC-Q, M.3.a.(2))  of $ & !RCONHT88! &  must be less than or equal to all other loans secured by real estate other than loans secured by 1-4 family residential properties (RC-C, 1.a.(1) + 1.a.(2) + 1.b. + 1.d + 1.e.(1) + 1.e.(2), Col B) of $ & !RCONF158! + !RCONF159! + !RCON1420! + !RCON1460! + !RCONF160! + !RCONF161! & .  Please revise your reported data.


Msg1:
RC-Q M3C MUST BE <= RC-C I 6A THRU 6D, COL B.  &  & RC-Q M.3.c  =  & !RCONHT89! & ; RC-C I 6.a thru 6.d, Col B  =  & (!RCONB538! + !RCONB539! + !RCONK137! + !RCONK207!)

Msg2:
"Loans to individuals for household, family, and other personal expenditures" measured at fair value (RC-Q, M.3.c)  of $ & !RCONHT89! &  must be less than or equal to "Loans to individuals" (RC-C, 6.a to 6.d, Col B) of $ & !RCONB538! + !RCONB539! + !RCONK137! + !RCONK207!& .  Please revise your reported data.


Msg1:
MARCH: RC-C M13B SHOULD BE LT OR EQUAL TO RI 1A1B $& !RIADG377! & IS NOT LT OR EQUAL TO $& !RIAD4436!

Msg2:
For March, the "Amount of interest capitalized from interest reserves on construction, land development, and other land loans, (RC-C Memorandum 13.b.) should be less than or equal to the amount reported in RI, 1.a.(1)(b), interest and fee income on "All other loans secured by real estate." Please review your reported data, and revise or explain as appropriate.


Msg1:
RC-C M13B SHOULD BE LT OR EQUAL TO RI 1A1B CURR MINUS PREV $& !RIADG377! & IS NOT LT OR EQUAL TO $& (!RIAD4436! - !PQ1RIAD4436!)

Msg2:
The "Amount of interest capitalized (for the quarter) from interest reserves on construction, land development, and other land loans, (RC-C Memorandum 13.b.) should be less than or equal to the amount reported in RI, 1.a.(1)(b), interest and fee income on "All other loans secured by real estate" for the current quarter minus the amount reported in RI 1.a.(1)(b) for the prior quarter. Please review your reported data, and revise or explain as appropriate.


Msg1:
RCC M14 SHOULD BE LT OR EQUAL TO SUM OF RCC 12A AND RCC 11A &  &  $& !RCONG378! & IS NOT LT OR EQUAL TO $& (!RCON2122! + !RCON2123!)

Msg2:
The amount of "Pledged loans and leases" reported in RC-C memorandum 14 should be less than or equal to the sum of "Total loans and leases, held for investment and held for sale," (RC-C 12, Column A) and "unearned income" (RC-C 11, Column A). Please review your reported data and explain or revise as appropriate.


Msg1:
(RCC-M14 + RC-BM1) S/B >= (RC-M5A1A THRU RC-M5A1D) &  & RC-M5A1A THRU RC-M5A1D = $ & (!RCONF055! + !RCONF056! + !RCONF057! + !RCONF058!)

Msg2:
Your bank reported "Federal Home Loan Bank Advances: Advances with a remaining maturity or next repricing date of" (RC-M 5.a.1.a through 1.d.) of $ & !RCONF055! + !RCONF056! + !RCONF057! +  !RCONF058! & . However, the sum of "Pledged securities" (RC-B M.1) and "Pledged loans" (RC-C M14) is less than the total advances. Please review your reported data, and explain or revise as appropriate.


Msg1:
IF PREV PLDGD LNS & LEASES  (RC-C I M14) > $5M, CURR (RC-C I M14) S/B > 0. &  & Pledged Lns and Ls RC-C I M.14 prev = $& !PQ1RCONG378!&, curr should be > 0.

Msg2:
Last quarter, your bank reported "Pledged Loans and leases" (RC-C I M.14) of $ & !PQ1RCONG378!&.  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RCM 5A1A GT ZERO THEN RCM 5A2 GT ZERO &  & RCM 5A1A EQUALS $ & !RCONF055!

Msg2:
Your bank reported Federal Home Loan Bank advances with a remaining maturity or repricing frequency of one year or less of $ & !RCONF055! & (RC-M 5.a.(1)(a)). However, you did not report any Federal Home Loan Bank advances with a remaining maturity of one year or less (RC-M 5.a.(2)). Please review your reported data and revise or explain as appropriate.


Msg1:
IF RCM 5B1A GT ZERO THEN RCM 5B2 GT ZERO &  & RCM 5B1A EQUALS $ & !RCONF060!

Msg2:
Your bank reported Other borrowings with a remaining maturity or repricing frequency of one year or less of $ & !RCONF060! & (RC-M 5.b.(1)(a)). However, you did not report any Other borrowings with a remaining maturity of one year or less (RC-M 5.b.(2)). Please review your reported data and revise or explain as appropriate.


Msg1:
RC-C I  M15A MUST BE LESS THAN OR EQUAL TO THE SUM OF RC-C I 1C1 THRU 1C2B.

Msg2:
The amount reported for "Reverse mortgages outstanding that are held for investment" (RC-C I M 15.a) of $& !RCONPR04!& must be less than or equal to the amount of loans "Secured by 1-4 family residential properties," (RC-C Part I, items 1.c.(1), 1.c.(2)(a) and 1.c.(2)b) of $& (!RCON1797! + !RCON5367! + !RCON5368!) &. Please revise your reported data.


Msg1:
RC-C I M15A SHOULD BE LESS THAN 50 PERCENT OF SUM OF RC-C I 1C1 THRU 1C2B  &  & RC-C I M.15.a  = $ & !RCONPR04!& is  & (!RCONPR04!/(!RCON1797! + !RCON5367! + !RCON5368!))*100&% of  RC-C I 1.c.(1) thru 1.c.(2)(b) = $& (!RCON1797! + !RCON5367! + !RCON5368!)

Msg2:
The amount reported for "Reverse mortgages outstanding that are held for investment" (RC-C I M 15.a) of $& !RCONPR04!&  seems high when compared to the amount of loans "Secured by 1-4 family residential properties," (RC-C Part I, items 1.c.(1), 1.c.(2)(a) and 1.c.(2)(b) of $& (!RCON1797! + !RCON5367! + !RCON5368!) &. Please review your reported data, and revise or explain as appropriate.


Msg1:
IF RC-C I M15A > 500K, THEN RC-L 1A1 SHOULD BE > 0  &  & RC-C I M.15.a = $& !RCONPR04!

Msg2:
Your bank reported $& !RCONPR04! & for "Reverse mortgages outstanding that are held for investment" (RC-C I M 15.a).   However, you reported 0 for "Unused commitments for reverse mortgages outstanding that are held for investment," (RC-L 1.a.(1)). Please review your reported data, and explain or revise as appropriate.


Msg2:
The average balance of your bank`s loans secured by nonfarm nonresidential properties appears low.  The calculated average balance is derived by dividing "Loans secured by nonfarm nonresidential properties" (RC-C Part I, 1.e.1 plus 1.e.2, Column B) of $ & (!RCONF160! + !RCONF161!) &  by the "Number of loans currently outstanding" (RC-C Part II, 2.a.) of  & !RCON5562! & . Your bank`s average loan balance is $ & (!RCONF160! + !RCONF161!) / !RCON5562! &  which falls below our tolerance of $1,000.  Please review your reported data, and explain or revise as appropriate.


Msg2:
The average balance of your bank`s loans secured by nonfarm nonresidential properties appears high.  The calculated average balance is derived by dividing "Loans secured by nonfarm nonresidential properties" (RC-C Part I, 1.e.1 plus 1.e.2, Column B) of $ & (!RCONF160! + !RCONF161!) &  by the "Number of loans currently outstanding" (RC-C Part II, 2.a.) of  & !RCON5562! & . Your bank`s average loan balance is $ & (!RCONF160! + !RCONF161!) / !RCON5562! &  which exceeds our tolerance of $100,000.  Please review your reported data, and explain or revise as appropriate.


Msg2:
The average balance of your bank`s commercial and industrial loans to U.S. addressees appears low.  The calculated average balance is derived by dividing the difference between "Commercial and industrial loans" (RC-C Part I, 4., Column B) and "Commercial and industrial loans: to non-U.S. addressees" (RC-C Part I, 4.b., Column A) of $ & !RCON1766! - !RCON1764! &  by the "Number of loans currently outstanding" (RC-C Part II, 2.b.) of  & !RCON5563! & . Your bank`s average loan balance is $ & (!RCON1766! - !RCON1764!) / !RCON5563! &  which falls below our tolerance of $1,000.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII3BA) >0, THEN (RC-CII3BB / RC-CII3BA) S/B $1K-$250K &  & Amount  & !RCON5567! &   / Number  & !RCON5566! &   = Average  & !RCON5567! / !RCON5566!

Msg2:
Your bank reported the "Number of Loans" for "Loans secured by nonfarm nonresidential properties - with original amounts of more than $100,000 through $250,000" (RC-C Part II, 3.b., Column A) of  & !RCON5566! & .  However, the average loan balance, which is derived from the "Amount currently outstanding" (RC-C Part II, 3.b., Column B) of $ & !RCON5567! &  divided by the "Number of loans" (RC-C Part II, 3.b., Column A) of  & !RCON5566! & , should be within the range of $1,000 to $250,000.  The derived average balance of $ & !RCON5567! / !RCON5566! &  falls outside of this range.  Please review your reported data, and explain or revise as appropriate.


Msg2:
The average balance of your bank`s commercial and industrial loans to U.S. addressees appears high.  The calculated average balance is derived by dividing "Commercial and industrial loans: to U.S. addressees"  (RC-C Part I, 4.a., Column A) of $ & !RCON1763! &  by the "Number of loans currently outstanding" (RC-C Part II, 2.b.) of  & !RCON5563! & .  Your bank`s average loan balance is $ & !RCON1763! / !RCON5563! &  which exceeds our tolerance of $100,000 and means that the response to RC-C Part II, item 1 should be "No."  Please review your reported data, and explain or revise as appropriate.


Msg2:
The average balance of your bank`s loans secured by nonfarm nonresidential properties appear high.  The calculated average balance is derived by dividing "Loans secured by nonfarm nonresidential properties" (RC-C Part I, 1.e., Column B) of $ & !RCON1766! &  by the "Number of loans currently outstanding" (RC-C Part II, 2.a.) of  & !RCON5563! & .  Your bank`s average loan balance is $ & !RCON1766! / !RCON5563! &  which exceeds our tolerance of $100,000 and means that the response to RC-C Part II, item 1 should be "No."  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII1) = "YES", THEN (RC-CII2A + RC-CII2B) S/B > 0

Msg2:
Your bank answered "Yes" in the "Loans to Small Businesses" (RC-C Part II, 1.) box that all or substantially all of your bank`s "Loans secured by nonfarm nonresidential properties" (RC-C Part I, 1.e., Column B) and "Commercial and industrial loans to U.S. addressees" (RC-C Part I, 4., Column B) have original amounts of $100,000 or less.  However, you did not report any "Number of loans currently outstanding" for "Loans secured by nonfarm nonresidential properties" in (RC-C Part II, 2.a.) and "Commercial and industrial loans to U.S. addressees" in (RC-C Part II, 2.b.).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII3AB) >0, THEN (RC-CII3AA) SHOULD BE > 0Amount =  & !RCON5565! &  ;   Number =  & !RCON5564!

Msg2:
Your bank reported "Loans secured by nonfarm nonresidential properties - with original amounts of $100,000 or less" (RC-C Part II, 3.a., Column B) of $ & !RCON5565! & .  However, you did not report a corresponding "Number of loans" in (RC-C Part II, 3.a., Column A).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII3AA) >0, THEN (RC-CII3AB / RC-CII3AA) S/B $1K-$100KAmount  & !RCON5565! &   / Number  & !RCON5564! &   = Average  & !RCON5565! / !RCON5564!

Msg2:
Your bank reported the "Number of Loans" for "Loans secured by nonfarm nonresidential properties - with original amounts of $100,000 or less" (RC-C Part II, 3.a., Column A) of  & !RCON5564! & .  However, the average loan balance, which is derived from the "Amount currently outstanding" (RC-C Part II, 3.a., Column B) of $ & !RCON5565! &  divided by the "Number of loans" (RC-C Part II, 3.a., Column A) of  & !RCON5564! & , should be within the range of $1,000 to $100,000.  The derived average balance of $ & !RCON5565! / !RCON5564! &  falls outside of this range.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII3BB) >0, THEN (RC-CII3BA) SHOULD BE > 0Amount =  & !RCON5567! &  ;   Number =  & !RCON5566!

Msg2:
Your bank reported "Loans secured by nonfarm nonresidential properties - with original amounts of more than $100,000 through $250,000" (RC-C Part II, 3.b., Column B) of $ & !RCON5567! & .  However, you did not report a corresponding "Number of loans" in (RC-C Part II, 3.b., Column A).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII3CB) >0, THEN (RC-CII3CA) SHOULD BE > 0Amount =  & !RCON5569! &  ;   Number =  & !RCON5568!

Msg2:
Your bank reported "Loans secured by nonfarm nonresidential properties - with original amounts of more than $250,000 through $1,000,000" (RC-C Part II 3.c., Column B) of $ & !RCON5569! & .  However, you did not report a corresponding "Number of loans" in (RC-C Part II 3.c., Column A).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII3CA) >0, THEN (RC-CII3CB / RC-CII3CA) S/B $1K-$1MILAmount  & !RCON5569! &   / Number  & !RCON5568! &   = Average  & (!RCON5569! / !RCON5568!)

Msg2:
Your bank reported the "Number of loans" for "Loans secured by nonfarm nonresidential properties - with original amounts of more than $250,000 through $1,000,000" (RC-C Part II, 3.c., Column A) of  & !RCON5568! & .  However, the average loan balance, which is derived from the "Amount currently outstanding" (RC-C Part II, 3.c., Column B) of $ & !RCON5569! &  divided by the "Number of loans" (RC-C Part II, 3.c., Column A), should be within the range of $1,000 to $1,000,000.  The derived average balance of $ & !RCON5569! / !RCON5568! &  falls outside of this range.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RC-CII1 ="No" AND SUM OF RC-CI1E1B AND 1E2B >0, (RC-CII3AB THRU RC-CII3CB) S/B >0 &  & Part I =  & !RCONF160! + !RCONF161! &  ;  Part II =  & (!RCON5565! + !RCON5567! + !RCON5569!)

Msg2:
Your bank answered "No" in the "Loans to Small Businesses" (RC-C Part II, 1.) box that all or substantially all of your bank`s "Loans secured by nonfarm nonresidential properties" (RC-C Part I, 1.e.1 and 1.e.2, Column B) of $ & !RCONF160!  + !RCONF161! &  have original amounts of $100,000 or less.  However, you did not report any "Amount currently outstanding" for "Loans secured by nonfarm nonresidential properties" in RC-C Part II, 3.a. through 3.c., Column B.  Please review your reported data, and explain or revise as appropriate.


Msg2:
The sum of the "Amounts currently outstanding" for "Loans secured by nonfarm nonresidential properties" with original amounts of $100,000 or less through $1,000,000 (RC-C Part II, 3.a. through 3.c., Column B) of $ & (!RCON5565! + !RCON5567! + !RCON5569!) &  appears low when compared to total "Loans secured by nonfarm nonresidential properties" (RC-C Part I, 1.e.1 and 1.e.2, Column B) of $ & !RCONF160! +  !RCONF161! & .  Your reported amounts currently outstanding represent  & (!RCON5565! + !RCON5567! + !RCON5569!) / ((!RCONF160! +  !RCONF161!)) * 100 & % of (RC-C Part I, 1.e.1 and 1.e.2, Column B), which falls below our tolerance of 10% whereas previously, your outstanding amount represented & ((!PQ1RCON5565! + !PQ1RCON5567! + !PQ1RCON5569!) / (!PQ1RCONF160! +  !PQ1RCONF161!)) * 100 &% .   Please review your reported data, and explain or revise as appropriate.


Msg2:
The sum of the "Amounts currently outstanding" for "Loans secured by nonfarm nonresidential properties" with original amounts of $100,000 or less through $1,000,000 (RC-C Part II, 3.a. through 3.c., Column B) of $ & (!RCON5565! + !RCON5567! + !RCON5569!) &  appears low when compared to total "Loans secured by nonfarm nonresidential properties" (RC-C Part I, 1.e.1 and 1.e.2) of $ & !RCONF160! +  !RCONF161! & .  Your reported amounts currently outstanding represent  & (!RCON5565! + !RCON5567! + !RCON5569!) / ((!RCONF160! +  !RCONF161!)) * 100 & % of (RC-C Part I, 1.e.1 and 1.e.2), which falls below our tolerance of 10% whereas previously, your outstanding amount represented & ((!PQ2RCON5565! + !PQ2RCON5567! + !PQ2RCON5569!) / (!PQ2RCONF160! +  !PQ2RCONF161!)) * 100 &% .   Please review your reported data, and explain or revise as appropriate.


Msg2:
The sum of the "Amounts currently outstanding" for "Commercial and industrial loans" with original amounts of $100,000 through $1,000,000 (RC-C Part II, 4.a. through 4.c., Column B) of $ & (!RCON5571! + !RCON5573! + !RCON5575!) &  appear low when compared to the total "Commercial and industrial loans" (RC-C Part I, 4.a, Column B (on FFIEC031) or Column A (on FFIEC041)) of $ & !RCON1763! &  .  Your reported amounts currently outstanding represent  & ((!RCON5571! + !RCON5573! + !RCON5575!) / (!RCON1763!)) * 100 & % of (RC-C Part I, 4.a, Column B (on FFIEC031) or Column A (on FFIEC041)), which falls below our tolerance of 10%, whereas previously, your outstanding amount represented & ((!PQ1RCON5571! + !PQ1RCON5573! + !PQ1RCON5575!) / (!PQ1RCON1763!)) * 100 &% .   Please review your reported data, and explain or revise as appropriate.


Msg2:
The sum of the "Amounts currently outstanding" for "Commercial and industrial loans" with original amounts of $100,000 through $1,000,000 (RC-C Part II, 4.a. through 4.c., Column B) of $ & (!RCON5571! + !RCON5573! + !RCON5575!) &  appear low when compared to the total "Commercial and industrial loans" (RC-C Part I, 4., Column B) of $ & !RCON1766! &  .  Your reported amounts currently outstanding represent  & ((!RCON5571! + !RCON5573! + !RCON5575!) / (!RCON1766!)) * 100 & % of (RC-C Part I, 4., Column B), which falls below our tolerance of 10%, whereas previously, your outstanding amount represented & ((!PQ1RCON5571! + !PQ1RCON5573! + !PQ1RCON5575!) / (!PQ1RCON1766!)) * 100 &% .   Please review your reported data, and explain or revise as appropriate.


Msg2:
The sum of the "Amounts currently outstanding" for "Commercial and industrial loans" with original amounts of $100,000 through $1,000,000 (RC-C Part II, 4.a. through 4.c., Column B) of $ & (!RCON5571! + !RCON5573! + !RCON5575!) &  appear low when compared to the total "Commercial and industrial loans" (RC-C Part I, 4) of $ & !RCON1766! &  .  Your reported amounts currently outstanding represent  & ((!RCON5571! + !RCON5573! + !RCON5575!) / (!RCON1766!)) * 100 & % of (RC-C Part I, 4), which falls below our tolerance of 10%, whereas previously, your outstanding amount represented & ((!PQ2RCON5571! + !PQ2RCON5573! + !PQ2RCON5575!) / (!PQ2RCON1766!)) * 100 &% .   Please review your reported data, and explain or revise as appropriate.


Msg2:
The sum of the "Amounts currently outstanding" for "Loans secured by farmland" with original amounts of $100,000 or less through $500,000 (RC-C Part II, 7.a. through 7.c., Column B) of $ & (!RCON5579! + !RCON5581! + !RCON5583!) &  appears low when compared to total "Loans secured by farmland" (RC-C Part I, 1.b, Column B) of $ & !RCON1420! & .  Your reported amounts currently outstanding represent  & ((!RCON5579! + !RCON5581! + !RCON5583!) / (!RCON1420!)) * 100 & % of (RC-C Part I, 1.b, Column B), which falls below our tolerance of 10% whereas previously, your outstanding amount represented & ((!PQ1RCON5579! + !PQ1RCON5581! + !PQ1RCON5583!) / (!PQ1RCON1420!)) * 100 &% .   Please review your reported data, and explain or revise as appropriate.


Msg2:
The sum of the "Amounts currently outstanding" for "Loans secured by farmland" with original amounts of $100,000 or less through $500,000 (RC-C Part II, 7.a. through 7.c., Column B) of $ & (!RCON5579! + !RCON5581! + !RCON5583!) &  appears low when compared to total "Loans secured by farmland" (RC-C Part I, 1.b) of $ & !RCON1420! & .  Your reported amounts currently outstanding represent  & (!RCON5579! + !RCON5581! + !RCON5583!) / ((!RCON1420!)) * 100 & % of (RC-C Part I, 1.b, Column B), which falls below our tolerance of 10% whereas previously, your outstanding amount represented & ((!PQ2RCON5579! + !PQ2RCON5581! + !PQ2RCON5583!) / (!PQ2RCON1420!)) * 100 &% .   Please review your reported data, and explain or revise as appropriate.


Msg2:
The sum of the "Amounts currently outstanding" for "Loans to finance agricultural production and other loans to farmers" with original amounts of $100,000 or less  through $500,000 (RC-C, Part II, 8.a. through 8.c., Column B) of $ & (!RCON5585! + !RCON5587! + !RCON5589!) &  appear low when compared to the total "Loans to finance agricultural production" (RC-C, Part I, 3, Column B) of $ & !RCON1590! & .  Your reported amounts currently outstanding represent  & (!RCON5585! + !RCON5587! + !RCON5589!) / !RCON1590! * 100 & % of (RC-C, Part I, 3., Column B) which falls below our tolerance of 10% whereas previously, your outstanding amount represented  & ((!PQ1RCON5585! + !PQ1RCON5587! + !PQ1RCON5589!) / (!PQ1RCON1590!)) * 100 &% .  Please review your reported data, and explain or revise as appropriate.


Msg2:
The sum of the "Amounts currently outstanding" for "Loans to finance agricultural production and other loans to farmers" with original amounts of $100,000 or less  through $500,000 (RC-C, Part II, 8.a. through 8.c., Column B) of $ & (!RCON5585! + !RCON5587! + !RCON5589!) &  appear low when compared to the total "Loans to finance agricultural production" (RC-C, Part I, 3) of $ & !RCON1590! & .  Your reported amounts currently outstanding represent  & (!RCON5585! + !RCON5587! + !RCON5589!) / !RCON1590! * 100 & % of (RC-C, Part I, 3) which falls below our tolerance of 10% whereas previously, your outstanding amount represented  & ((!PQ2RCON5585! + !PQ2RCON5587! + !PQ2RCON5589!) / (!PQ2RCON1590!)) * 100 &% .   .  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII4AB) >0, THEN (RC-CII4AA) SHOULD BE > 0Amount =  & !RCON5571! &  ;   Number =  & !RCON5570!

Msg2:
Your bank reported "Commercial and industrial loans to U.S. addressees - with original amounts of $100,000 or less" (RC-C Part II, 4.a., Column B) of $ & !RCON5571! & .  However, you did not report a corresponding "Number of loans" in (RC-C Part II, 4.a., Column A).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII4AA) >0, THEN (RC-CII4AB / RC-CII4AA) S/B $1K - $100KAmount  & !RCON5571! &   / Number  & !RCON5570! &   = Average  & !RCON5571! / !RCON5570!

Msg2:
Your bank reported the "Number of Loans" for "Commercial and industrial loans to U.S. addressees - with original amounts of $100,000 or less" (RC-C Part II, 4.a., Column A) of  & !RCON5570! & .  However, the average loan balance, which is derived from the "Amount currently outstanding" (RC-C Part II, 4.a., Column B) of $ & !RCON5571! &  divided by the "Number of loans" (RC-C Part II, 4.a., Column A) of  & !RCON5570! & , should be within the range of $1,000 to $100,000.  The derived average balance of $ & !RCON5571! / !RCON5570! &  falls outside of this range.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII4BB) >0, THEN (RC-CII4BA) SHOULD BE > 0Amount =  & !RCON5573! &  ;   Number =  & !RCON5572!

Msg2:
Your bank reported "Commercial and industrial loans to U.S. addressees - with original amounts of more than $100,000 through $250,000" (RC-C Part II, 4.b., Column B) of $ & !RCON5573! & .  However, you did not report a corresponding "Number of loans" in (RC-C Part II, 4.b., Column A).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII4BA) >0, THEN (RC-CII4BB / RC-CII4BA) S/B $1K-$250KAmount  & !RCON5573! &   / Number  & !RCON5572! &   = Average  & !RCON5573! / !RCON5572!

Msg2:
Your bank reported the "Number of loans" for "Commercial and industrial loans to U.S. addressees - with original amounts of more than $100,000 through $250,000" (RC-C Part II, 4.b., Column A) of  & !RCON5572! & .  However, the average loan balance, which is derived from the "Amount currently outstanding" (RC-C Part II, 4.b., Column B) of $ & !RCON5573! &  divided by the "Number of loans" (RC-C Part II, 4.b., Column A), should be within the range of $1,000 to $250,000.  The derived average balance of $ & !RCON5573! / !RCON5572! &  falls outside of this range.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII4CB) >0, THEN (RC-CII4CA) SHOULD BE > 0Amount =  & !RCON5575! &  ;   Number =  & !RCON5574!

Msg2:
Your bank reported "Commercial and industrial loans to U.S. addressees - with original amounts of more than $250,000 through $1,000,000" (RC-C Part II, 4.c., Column B) of $ & !RCON5575! & .  However, you did not report a corresponding "Number of loans" in (RC-C Part II, 4.c., Column A).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII4CA) >0, THEN (RC-CII4CB / RC-CII4CA) S/B $1K-$1 MILAmount  & !RCON5575! &   / Number  & !RCON5574! &   = Average  & !RCON5575! / !RCON5574!

Msg2:
Your bank reported the "Number of loans" for "Commercial and industrial loans - with original amounts of more than $250,000 through $1,000,000" (RC-C Part II, 4.c., Column A) of  & !RCON5574! & .  However, the average loan balance, which is derived from the "Amount currently outstanding" (RC-C Part II, 4.c., Column B) of $ & !RCON5575! &  divided by the "Number of loans" (RC-C Part II, 4.c., Column A), should be within the range of $1,000 to $1,000,000.  The derived average balance of $ & !RCON5575! / !RCON5574! &  falls outside of this range.  Please review your reported data, and explain or revise as appropriate.


Msg2:
Your bank answered "No" in the "Loans to small businesses" (RC-C Part II, 1.) box that all or substantially all of your bank`s "Commercial and industrial loans to U.S. addressees" in "Domestic Offices" (RC-C Part I, 4.a., Column B) have original amounts of $100,000 or less.  However, you did not report any "Amount currently outstanding" for "Commercial and industrial loans to U.S. addressees" with original amounts of $100,000 or more in (RC-C Part II, 4.a. through 4.c., Column B).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RC-CII1=0 AND RC-C4B >0, THEN (RC-CII4AB..CII4CB) SHOULD BE >0Part I =  & !RCON1766! &  ;  Part II =  & !RCON5571! + !RCON5573! + !RCON5575!

Msg2:
Your bank answered "No" in the "Loans to Small Businesses" (RC-C Part II, 1.) box that all or substantially all of your bank`s "Commercial and industrial loans to U.S. addressees" (RC-C Part I, 4., Column B) of $ & !RCON1766! &  have original amounts of $100,000 or less.  However, you did not report any "Amount currently outstanding" for "Commercial and industrial loans to U.S. addressees" with original amounts of $100,000 or less in (RC-C Part II, 4.a. through 4.c., Column B).  Please review your reported data, and explain or revise as appropriate.


Msg1:
If (RC-CI1E1B+ RC-CI1E2B + RC-CI4AB)=0,(RC-CII1) S/B 0(NO) & (CII3AA..CII4CB) S/B 0

Msg2:
Your bank did not report any "Loans secured by nonfarm nonresidential properties" (RC-C Part I, 1.e.1 and 1.e.2, Column B) nor any "Commercial and industrial loans " (RC-C Part I, 4., Column B); however, you did not answer "No" in the "Loans to Small Businesses" (RC-C Part II, 1.) box as to whether all or substantially all of the dollar volume of your bank`s "Loans secured by nonfarm nonresidential properties" and "Commercial and industrial loans to U.S. addressees" have original amounts of $100,000 or less.  In addition, the "Number of Loans" and "Amount currently outstanding" for these loans (RC-C Part II, 3.a. through 4.c., Columns A and B) should not be completed.  Please review your reported data, and explain or revise as appropriate.


Msg2:
The sum of the "Amortized Cost" components of "Held-to-maturity" securities (RC-B 1. through 6.b., Column A) of $ & (!RCON0211! + !RCONHT50! + !RCON8496! + !RCONG300! + !RCONG304! + !RCONG308! + !RCONG312! + !RCONG316! + !RCONG320! +  !RCONK142! + !RCONK146! + !RCONK150! + !RCONK154!  + !RCONC026! + !RCONHT58! + !RCON1737! + !RCON1742!) &  must equal the related "Total" (RC-B 8., Column A) of $ & !RCON1754! & .  Please revise your reported data.


Msg1:
If (RC-CI1E1B+ RC-CI1E1B + RC-CI4B)=0,(RC-CII1) S/B 0 (NO) & (CII3AA..CII4CB) S/B ZERO


Msg2:
The sum of the "Amortized Cost" components of "Held-to-maturity" securities (RC-B 1. through 6.b., Column A) of $ & (!RCON0211! + !RCONHT50! + !RCON8496! + !RCONHT54! + !RCONG308! + !RCONG312! + !RCONG316! + !RCONG320! +  !RCONK142! + !RCONK146! + !RCONK150! + !RCONK154!  + !RCONC026! + !RCONHT58! + !RCON1737! + !RCON1742!) &  must equal the related "Total" (RC-B 8., Column A) of $ & !RCON1754! & .  Please revise your reported data.


Msg1:
IF (RC-CII1) = `"YES", THEN (RC-CII3AA THRU CII4CB) SHOULD BE NULL

Msg2:
Your bank answered "Yes" in the "Loans to Small Businesses" (RC-C Part II, 1.) box that all or substantially all of your bank`s "Loans secured by nonfarm nonresidential properties" (RC-C Part I, 1.e., Column B) and "Commercial and industrial loans to U.S. addressees" (RC-C Part I, 4., Column B) have original amounts of $100,000 or less; therefore, the "Number of Loans" and "Amount currently outstanding" of "Loans secured by nonfarm nonresidential properties" and "Commercial and industrial loans to U.S. addressees" (RC-C Part II, 3.a. through 4.c., Columns A and B) should not be completed.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII6A) >100, THEN (RC-C1BB)/(RC-CII6A) S/B > $1KAmount  & !RCON1420! &   / Number  & !RCON5576! &   = Average  & (!RCON1420! / !RCON5576!)

Msg2:
The average balance of your bank`s loans secured by farmland appears low. The calculated average balance is derived by dividing "Loans secured by farmland (including farm residential and other improvements)" (RC-C Part I, 1.b., Column B) of $ & !RCON1420! &  by the "Number of loans currently outstanding" (RC-C Part II, 6.a.) of  & !RCON5576! & .  Your bank`s average loan balance is $ & !RCON1420! / !RCON5576! &  which falls below our tolerance of $1,000.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII6A) >0, THEN (RC-C1BB)/(RC-CII6A) S/B <= $100K &  & Amount  & !RCON1420! &   / Number  & !RCON5576! &   = Average  & (!RCON1420! / !RCON5576!)

Msg2:
The average balance of your bank`s loans secured by farmland appears high.  The calculated average is derived by dividing "Loans secured by farmland" (RC-C Part I, 1.b., Column B) of $ & !RCON1420! &  by the "Number of loans currently outstanding" (RC-C Part II, 6.a.) of  & !RCON5576! & .  Your bank`s average loan balance is $ & !RCON1420! / !RCON5576! &  which exceeds our tolerance of $100,000 and means that the response to RC-C Part II, item 5 should be "No." Please review your reported data, and explain or revise as appropriate.


Msg2:
The sum of the "Fair value" components of "Held-to-maturity securities" (RC-B 1. through 6.b., Column B) of $ & (!RCON0213! + !RCONHT51! + !RCON8497! + !RCONG301! + !RCONG305! + !RCONG309! + !RCONG313! + !RCONG317! + !RCONG321! + !RCONK143! + !RCONK147! + !RCONK151! + !RCONK155! + !RCONC988! + !RCONHT59! + !RCON1738! + !RCON1743!) &  must equal the "Total" (RC-B 8., Column B) of $ & !RCON1771! & .  Please revise your reported data.


Msg1:
IF (RC-CII6B) >100, THEN (RC-C3B)/(RC-CII6B) S/B > $1KAmount  & !RCON1590! &   / Number  & !RCON5577! &   = Average  & (!RCON1590! / !RCON5577!)

Msg2:
The average balance of your bank`s loans to finance agricultural production appears low.  The calculated average balance is derived by dividing "Loans to finance agricultural production" (RC-C Part I, 3., Column B) of $ & !RCON1590! &  by the "Number of loans currently outstanding" (RC-C Part II, 6.b.) of  & !RCON5577! & .  Your bank`s average loan balance is $ & !RCON1590! / !RCON5577! &  which exceeds our tolerance of $100,000.  Please review your reported data, and explain or revise as appropriate.


Msg1:
SUM OF (RC-B 1 THRU 6, COL B) MUST = TOT FAIR VAL OF HTM SEC (RC-B 8 COL B).  &  & $ & (!RCON0213! + !RCONHT51! + !RCON8497! + !RCONHT55! + !RCONG309! + !RCONG313! + !RCONG317! + !RCONG321! + !RCONK143! + !RCONK147! + !RCONK151! + !RCONK155! + !RCONC988! + !RCONHT59! + !RCON1738! + !RCON1743!) &  does not equal  & !RCON1771! &  ; Difference =  & ((!RCON0213! + !RCONHT51! + !RCON8497! + !RCONHT55! + !RCONG309! + !RCONG313! + !RCONG317! + !RCONG321! + !RCONK143! + !RCONK147! + !RCONK151! + !RCONK155! + !RCONC988! + !RCONHT59! + !RCON1738! + !RCON1743!) - !RCON1771!)

Msg2:
The sum of the "Fair value" components of "Held-to-maturity securities" (RC-B 1. through 6.b., Column B) of $ & (!RCON0213! + !RCONHT51! + !RCON8497! + !RCONHT55! + !RCONG309! + !RCONG313! + !RCONG317! + !RCONG321! + !RCONK143! + !RCONK147! + !RCONK151! + !RCONK155! + !RCONC988! + !RCONHT59! + !RCON1738! + !RCON1743!) &  must equal the "Total" (RC-B 8., Column B) of $ & !RCON1771! & .  Please revise your reported data.


Msg1:
AFS SECURITIES TOTAL: FV (RC-B 8, COL D) SHLD NOT EQ AMTZ COST (RC-B 8, COL C). &  & RC-B, Col C and Col D = $&!RCON1773!

Msg2:
Generally, the "Fair Value" (RC-B 8, Column D) of $&!RCON1773!&  for total "Available-for-Sale" securities should not equal its "Amortized Cost" (RC-B 8, Column C) of $&!RCON1772!& .   Please review your reported data and revise or explain as appropriate.


Msg1:
IF (RC-CII6B) >0, THEN (RC-C3B)/(RC-CII6B) S/B <= $100K &  & Amount  & !RCON1590! &   / Number  & !RCON5577! &   = Average  & (!RCON1590! / !RCON5577!)

Msg2:
The average balance of your bank`s loans to finance agricultural production appears high.  The calculated average balance is derived by dividing "Loans to finance agricultural production" (RC-C Part I, 3., Column B) of $ & !RCON1590! &  by the "Number of loans currently outstanding" (RC-C Part II, 6.b.) of  & !RCON5577! & .  Your bank`s average loan balance is $ & !RCON1590! / !RCON5577! &  which exceeds our tolerance of $100,000 and means that the response to RC-C Part II, item 5 should be "No."  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII5) = "YES", THEN (RC-CII6A + RC-CII6B) S/B >0 &  & Reported Amount =  & (!RCON5576! + !RCON5577!)

Msg2:
Your bank answered "Yes" in the "Agricultural Loans to Small Farms" (RC-C Part II, 5.) box that all or substantially all of your bank`s "Loans secured by farmland (including farm residential and other improvements)" (RC-C Part I, 1.b., Column B) and "Loans to finance agricultural production" (RC-C Part I, 3., Column B) have original amounts of $100,000 or less.  However, you did not report any "Number of loans currently outstanding" for "Loans secured by farmland" (RC-C Part II, 6.a.) and "Loans to finance agricultural production" in (RC-C Part II, 6.b.).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII7AB) >0, THEN (RC-CII7AA) SHOULD BE >0Amount =  & !RCON5579! &  ;   Number =  & !RCON5578!

Msg2:
Your bank reported "Loans secured by farmland (including farm residential and other improvements) - with original amounts of $100,000 or less" (RC-C Part II, 7.a., Column B) of $ & !RCON5579! & .  However, you did not report a corresponding "Number of loans" in (RC-C Part II, 7.a., Column A).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII7AA)>0, THEN (RC-CII7AB / CII7AA) S/B WITHIN $1-100KAmount  & !RCON5579! &   / Number  & !RCON5578! &   = Average  & (!RCON5579! / !RCON5578!)

Msg2:
Your bank reported the "Number of Loans" for "Loans secured by farmland (including farm residential and other improvements) - with original amounts of $100,000 or less" (RC-C Part II, 7.a., Column A) of  & !RCON5578! & .  However, the average loan balance, which is derived from the "Amount currently outstanding" (RC-C Part II, 7.a., Column B) of $ & !RCON5579! &  divided by the "Number of loans" (RC-C Part II, 7.a., Column A), should be within the range of $1,000 to $100,000.  The derived average balance of $ & !RCON5579! / !RCON5578! &  falls outside of this range.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII7BB) >0, THEN (RC-CII7BA) SHOULD BE > 0Amount =  & !RCON5581! &  ;   Number =  & !RCON5580!

Msg2:
Your bank reported "Loans secured by farmland (including farm residential and other improvements) - with original amounts of more than $100,000 through $250,000" (RC-C Part II, 7.b., Column B) of $ & !RCON5581! & .  However, you did not report a corresponding "Number of loans" in (RC-C Part II, 7.b., Column A).  Please review your reported data, and explain or revise as appropriate.


Msg1:
OUTSTD BAL PPP LNS (RC-M 17B) SHLD BE <= AG AND FARM LOANs (RC-C I 3, COL B) AND C&I LNS TO US ADDR AND NON-US ADDR (RC-C I 4A+ 4B, COL B) .  &  & RC-M 17.b = $&!RCONLG27!&; RC-C I 3 + 4.a + 4.b, Col B =  $& !RCON1590! +!RCON1763! + !RCON1764!

Msg2:
The "Outstanding balance of PPP loans" (RC-M 17.b) of $&!RCONLG27!& should be less than or equal to the amount of "Loans to finance agricultural production and other loans to farmers" (RC-C I 3, Column B) of $&!RCON1590!& and "Commercial and industrial loans" (RC-C I 4.a + 4.b, Column B) of $& !RCON1763! + !RCON1764!& for a total of $& !RCON1590! +!RCON1763! + !RCON1764! &.    Please review your reported data and revise or explain as appropriate.


Msg1:
OUTSTD BAL PPP LNS (RC-M 17B) SHLD BE <= AG AND FARM LNS (RC-C I 3, (COL B on 041))  AND C&I LNS (RC-C I 4, (COL B ON 041)).   &  & RC-M 17.b = $&!RCONLG27!&;  RC-C I 3 +  4, (Col B on 041) = $&!RCON1590! + !RCON1766!

Msg2:
The "Outstanding balance of PPP loans" (RC-M 17.b) of $&!RCONLG27!& should be less than or equal to the amount of "Loans to finance agricultural production and other loans to farmers" (RC-C I 3, (Column B on FFIEC  041)) of $& !RCON1590! & and "Commerical and industrial loans" reported in RC-C I 4 (Column B on FFIEC 041) of $& !RCON1766!& for a total of $ & !RCON1590! + !RCON1766! &.    Please review your reported data and revise or explain as appropriate.


Msg1:
IF ASU 2022-01 (DERIV AND HDGING-TOPIC 815) NOT ADOPTED, RC-B 7, COL C SHLD BE LEFT BLANK.  DO NOT REPORT ZERO.  &  & RC-B 7, Col C = $& !RCONMG95!

Msg2:
If ASU 2022-01 (Derivatives and Hedging (Topic 815), “Fair Value Hedging - Portfolio Layer Method”)  HAS NOT YET been adopted, RC-B 7, Col C  should be left blank.  Do NOT report zero.  Please review your reported data, and explain or revise as appropriate.


Msg1:
ASU 2022-01 (DERIV AND HDGING) ADOPTED SO RC-B 7, COL C SHLD NOT EQ 0.  IF NOT ADOPTED, CONCEPT RCONPG75 SHLD EQ "NO" (OR "FALSE") AND RC-B 7, COL C SHLD BE LEFT BLANK.   &  & RCONPG75 =  & !RCONPG75!&;  RC-B 7, COL C = $ & !RCONMG95!

Msg2:
Your institution indicated for concept RCONPG75 that it had adopted ASU 2022-01 (Derivatives and Hedging (Topic 815), Fair Value Hedging - Portfolio Method Layer) . However, your institution reported zero for "Unallocated portfolio layer fair value hedge basis adjustments" (RC-B 7, Column C).    If you have not adopted ASU 2022-01, please revise RCONPG75 to equal "NO" (or "False") and please blank out your reporting in RC-B 7, Column C.     Please review your reported data, and explain or revise as appropriate.


Msg1:
IF PRIOR PERIOD ASU 2022-01 (DERIV AND HDGING) ADOPTED = YES (OR TRUE), THEN CURRENT SHLD EQ YES (OR TRUE).  &  & Curr ASU 2022-01 Adoption Indicatior = &!RCONPG75!&; Prior = &!PQ1RCONPG75!

Msg2:
Your institution indicated in the prior period that ASU 2022-01 (Derivatives and Hedging (Topic 815), Fair Value Hedging - Portfolio Method Layer) had been adopted. However, in the current quarter, you indicated ASU 2022-01 has NOT been adopted.   If the prior period RCONPG75 indicator had been answered incorrectly and ASU 2022-01 had NOT been adopted in the prior period(s), please revise prior period(s) indicator (RCONPG75) to False.   Do not leave the field BLANK.    Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RC-B 7, COL C IS REPORTED, QUESTION FOR ASU 2022-01 ADOPTION - PORTFOLIO LAYER MTHD (RCONPG75) SHLD EQ TRUE.  &  & RC-B 7, Col C = $& !RCONMG95! &;  ASU 2022-01 QUESTION =  & !RCONPG75!

Msg2:
Your institution reported an "Unallocated portfolio layer fair value hedge basis adjustments" (RC-B 7, Column C) of $&!RCONMG95!& indicating that you have adopted ASU 2022-01.    However your response to the question "Did your institution adopt ASU 2022-01 (Topic 815), FV Hedging - Portfolio Layer Method? (RCONPG75)" was "False" (or No).     If you have adopted ASU 2022-01, please revise RCONPG75 to equal "True" (or "Yes").    Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII7BA) >0, THEN (RC-CII7BB / RC-CII7BA) S/B $1K-$250KAmount  & !RCON5581! &   / Number  & !RCON5580! &   = Average  & !RCON5581! / !RCON5580!

Msg2:
Your bank reported the "Number of loans" for "Loans secured by farmland (including farm residential and other improvements) - with original amounts of more than $100,000 through $250,000" (RC-C Part II, 7.b., Column A) of  & !RCON5580! & .  However, the average loan balance, which is derived from the "Amount currently outstanding" (RC-C Part II, 7.b., Column B) of $ & !RCON5581! &  divided by the "Number of loans" (RC-C Part II, 7.b., Column A), should be within the range of $1,000 to $250,000.  The derived average balance of $ & !RCON5581! / !RCON5580! &  falls outside of this range.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII7CB) >0, THEN (RC-CII7CA) SHOULD BE > 0Amount =  & !RCON5583! &  ;   Number =  & !RCON5582!

Msg2:
Your bank reported "Loans secured by farmland (including farm residential and other improvements) - with original amounts of more than $250,000 through $500,000" (RC-C Part II, 7.c., Column B) of $ & !RCON5583! & .  However, you did not report a corresponding "Number of loans" in (RC-C Part II, 7.c., Column A).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII7CA) >0, THEN (RC-CII7CB / RC-CII7CA) S/B $1K-$500KAmount  & !RCON5583! &   / Number  & !RCON5582! &   = Average  & !RCON5583! / !RCON5582!

Msg2:
Your bank reported the "Number of loans" for "Loans secured by farmland (including farm residential and other improvements) - with original amounts of more than $250,000 through $500,000" (RC-C Part II, 7.c., Column A) of  & !RCON5582! & .  However, the average loan balance, which is derived from the "Amount currently outstanding" (RC-C Part II, 7.c., Column B) of $ & !RCON5583! &  divided by the "Number of loans" (RC-C Part II, 7.c., Column A), should be within the range of $1,000 to $500,000.  The derived average balance of $ & !RCON5583! / !RCON5582! &  falls outside of this range.  Please review your reported data, and explain or revise as appropriate.


Msg2:
The sum of the "Fair value" components of "Available-for-sale securities" (RC-B 1. through 6., Column D) of $ & (!RCON1287! + !RCONHT53! + !RCON8499! + !RCONG303! + !RCONG307! + !RCONG311! + !RCONG315! + !RCONG319! + !RCONG323! + !RCONK145! + !RCONK149! + !RCONK153! + !RCONK157! + !RCONC027! + !RCONHT61! + !RCON1741! + !RCON1746!) &  must equal the "Total" (RC-B 8., Column D) of $ & !RCON1773! & .  Please revise your reported data.


Msg2:
The sum of the "Fair value" components of "Available-for-sale securities" (RC-B 1. through 6., Column D) of $ & (!RCON1287! + !RCONHT53! + !RCON8499! + !RCONHT57! + !RCONG311! + !RCONG315! + !RCONG319! + !RCONG323! + !RCONK145! + !RCONK149! + !RCONK153! + !RCONK157! + !RCONC027! + !RCONHT61! + !RCON1741! + !RCON1746!) &  must equal the "Total" (RC-B 8., Column D) of $ & !RCON1773! & .  Please revise your reported data.


Msg1:
IF (RC-CII8AB) >0, THEN (RC-CII8AA) SHOULD BE > 0Amount =  & !RCON5585! &  ;   Number =  & !RCON5584!

Msg2:
Your bank reported "Loans to finance agricultural production and other loans to farmers - with original amounts of $100,000 or less" (RC-C Part II, 8.a., Column B) of $ & !RCON5585! & .  However, you did not report a corresponding "Number of loans" in (RC-C Part II, 8.a., Column A).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII8AA) >0, THEN (RC-CII8AB / RC-CII8AA) S/B $1K - $100KAmount  & !RCON5585! &   / Number  & !RCON5584! &   = Average  & !RCON5585! / !RCON5584!

Msg2:
Your bank reported the "Number of Loans" for "Loans to finance agricultural production and other loans to farmers - with original amounts of $100,000 or less" (RC-C Part II, 8.a., Column A) of  & !RCON5584! & .  However, the average loan balance, which is derived from the "Amount currently outstanding" (RC-C Part II, 8.a., Column B) of $ & !RCON5585! &  divided by the "Number of loans" (RC-C Part II, 8.a., Column A), should be within the range of $1,000 to $100,000.  The derived average balance of $ & !RCON5585! / !RCON5584! &  falls outside of this range.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII8BB) >0, THEN (RC-CII8BA) SHOULD BE > 0Amount =  & !RCON5587! &  ;   Number =  & !RCON5586!

Msg2:
Your bank reported "Loans to finance agricultural production and other loans to farmers - with original amounts of more than $100,000 through $250,000" (RC-C Part II, 8.b., Column B) of $ & !RCON5587! & .  However, you did not report a corresponding "Number of loans" in (RC-C Part II, 8.b., Column A).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII8BA) >0, THEN (RC-CII8BB / RC-CII8BA) S/B $1K - $250KAmount  & !RCON5587! &   / Number  & !RCON5586! &   = Average  & !RCON5587! / !RCON5586!

Msg2:
Your bank reported the "Number of Loans" for "Loans to finance agricultural production and other loans to farmers - with original amounts of more than $100,000 through $250,000" (RC-C Part II, 8.b., Column A) of  & !RCON5586! & .  However, the average loan balance, which is derived from the "Amount currently outstanding" (RC-C Part II, 8.b., Column B) of $ & !RCON5587! &  divided by the "Number of loans" (RC-C Part II, 8.b., Column A), should be within the range of $1,000 to $250,000.  The derived average balance of $ & !RCON5587! / !RCON5586! &  falls outside of this range.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII8CB) >0, THEN (RC-CII8CA) SHOULD BE > 0Amount =  & !RCON5589! &  ;   Number =  & !RCON5588!

Msg2:
Your bank reported "Loans to finance agricultural production and other loans to farmers - with original amounts of more than $250,000 through $500,000" (RC-C Part II, 8.c., Column B) of $ & !RCON5589! & .  However, you did not report a corresponding "Number of loans" in (RC-C Part II, 8.c., Column A).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII8CA) >0, THEN (RC-CII8CB / RC-CII8CA) S/B $1K - $500KAmount  & !RCON5589! &   / Number  & !RCON5588! &   = Average  & !RCON5589! / !RCON5588!

Msg2:
Your bank reported the "Number of Loans" for "Loans to finance agricultural production and other loans to farmers - with original amounts of more than $250,000 through $500,000" (RC-C Part II, 8.c., Column A) of  & !RCON5588! & .  However, the average loan balance, which is derived from the "Amount currently outstanding" (RC-C Part II, 8.c., Column B) of $ & !RCON5589! &  divided by the "Number of loans" (RC-C Part II, 8.c., Column A), should be within the range of $1,000 to $500,000.  The derived average balance of $ & !RCON5589! / !RCON5588! &  falls outside of this range.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RC-CII5 =0 AND RC-C3B >0, (RC-CII8AB THRU RC-CII8CB) S/B >0 &  & Part II =  & (!RCON5585! + !RCON5587! + !RCON5589!) &  ; Part I =  & !RCON1590!

Msg2:
Your bank answered "No" in the "Agricultural Loans to Small Farms" (RC-C Part II, 5.) box that all or substantially all of your bank`s "Loans to finance agricultural production and other loans to farmers" (RC-C Part I, 3., Column B) of $ & !RCON1590! &  have original amounts of $100,000 or less.  However, you did not report any "Amount currently outstanding" for "Loans to finance agricultural production and other loans to farmers" with original amounts of $100,000 or less through $500,000 in (RC-C Part II, 8.a. through 8.c., Column B).  Please review your reported data, and explain or revise as appropriate.


Msg1:
If (RC-C1BB+C3B)=0, THEN (RC-CII5) S/B 0(NO) & (CII7AA..CII8CB) S/B NULL

Msg2:
Your bank did not report any "Loans secured by farmland (including farm residential and other improvements)" (RC-C Part I, 1.b., Column B) nor any "Loans to finance agricultural production and other loans to farmers" (RC-C Part I, 3., Column B); however, you did not answer "No" in the "Agricultural Loans to Small Farms" (RC-C Part II, 5.) box as to whether all or substantially all of the dollar volume of your bank`s "Loans secured by farmland" and "Loans to finance agricultural production" have original amounts of $100,000 or less.  In addition, the "Number of Loans" and "Amount currently outstanding" for these loans (RC-C Part II, 7.a. through 8.c., Columns A and B) should not be completed.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-CII5) = "YES", THEN (RC-CII7AA THRU CII8CB) S/B Zero

Msg2:
Your bank answered "Yes" in the "Agricultural Loans to Small Farms" (RC-C Part II, 5.) box that all or substantially all of your bank`s "Loans secured by farmland (including farm residential and other improvements)" (RC-C Part I, 1.b., Column B) and "Loans to finance agricultural production" (RC-C, Part I, 3., Column B) have original amounts of $100,000 or less; therefore, the "Number of Loans" and "Amount currently outstanding" of "Loans secured by farmland" and "Loans to finance agricultural production" (RC-C Part II, 7.a. through 8.c., Columns A and B) should not be completed.  Please review your reported data, and explain or revise as appropriate.


Msg1:
PLEDGED SECURITIES (RC-BM1) MUST BE <= TOTAL SECURITIES (RC-B 8, COL A + COL D) + (RC 2C).  &  & RC-B M.1 = $ & !RCON0416! &  ;  (RC-B 8 Col A + Col D) + (RC 2.c) = $ & (!RCON1754! + !RCON1773! + !RCONJA22!)

Msg2:
"Pledged securities" (RC-B M.1.) of $ & !RCON0416! &  must be less than or equal to the sum of "Held-to-maturity securities" (RC-B 8, Col A) of $ & !RCON1754! & ,  "Available-for-sale debt securities" (RC-B 8, Col D) of $ & !RCON1773! & and "Equity securities with readily determinable fair values not held for trading" (RC 2.c) of $ & !RCONJA22!& for a total of  $ & (!RCON1754! + !RCON1773! + !RCONJA22!)&.    Please revise your reported data.


Msg2:
The sum of the components of "Maturity and repricing data for debt securities" (RC-B M.2.a.(1) through M.2.b.(6)) of $ & (!RCONA549! + !RCONA550! + !RCONA551! + !RCONA552! + !RCONA553! + !RCONA554! + !RCONA555! + !RCONA556! + !RCONA557! + !RCONA558! + !RCONA559! + !RCONA560!) &  must equal the sum of the "Amortized cost" of "Held-to-maturity securities" and the "Fair value" of "Available-for-sale securities" (RC-B 1. through 4.a.(3), 4.c.(1)(a), 4.c.(1)(b), and 5. through 6.b., Columns A and D) of $ & ((!RCON0211! + !RCONHT50! + !RCON8496! + !RCONG300! + !RCONG304! + !RCONG308! + !RCONK142! + !RCONK146! + !RCONC026! + !RCONHT58! + !RCON1737! + !RCON1742! + !RCON1287! + !RCONHT53! + !RCON8499! + !RCONG303! + !RCONG307! + !RCONG311! + !RCONK145! + !RCONK149! + !RCONC027! + !RCONHT61! + !RCON1741! + !RCON1746!)) & .  Please revise your reported data.


Msg2:
The sum of the components of "Maturity and repricing data for debt securities" (RC-B M.2.a.(1) through M.2.b.(6)) of $ & (!RCONA549! + !RCONA550! + !RCONA551! + !RCONA552! + !RCONA553! + !RCONA554! + !RCONA555! + !RCONA556! + !RCONA557! + !RCONA558! + !RCONA559! + !RCONA560!) &  must equal the sum of the "Amortized cost" of "Held-to-maturity securities" and the "Fair value" of "Available-for-sale securities" (RC-B 1. through 4.a.(3), 4.c.(1)(a), 4.c.(1)(b), and 5. through 6.b., Columns A and D) of $ & ((!RCON0211! + !RCONHT50! + !RCON8496! + !RCONHT54! + !RCONG308! + !RCONK142! + !RCONK146! + !RCONC026! + !RCONHT58! + !RCON1737! + !RCON1742! + !RCON1287! + !RCONHT53! + !RCON8499! + !RCONHT57! + !RCONG311! + !RCONK145! + !RCONK149! + !RCONC027! + !RCONHT61! + !RCON1741! + !RCON1746!)) & .  Please revise your reported data.


Msg2:
The sum of the components of "Maturity and repricing data" for "Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages" (RC-B M.2.b.(1) through M.2.b.(6)) of $ & (!RCONA555! + !RCONA556! + !RCONA557! + !RCONA558! + !RCONA559! + !RCONA560!) &  must be less than or equal to the sum of the "Amortized cost" components of "Mortgage-backed securities" (RC-B 4.a.(1) through 4.a.(3), Column A) of $ & !RCONG300! + !RCONG304! + !RCONG308! &  and the "Fair value" components of "Mortgage-backed securities" (RC-B 4.a.(1) through 4.a.(3), Column D) of $ & !RCONG303! + !RCONG307! + !RCONG311! & .  Please revise your reported data.


Msg1:
SUM(RC-B M2B1..M2B6) MUST BE <= SUM(RC-B 4A1..4A2 COLS A & D).  &  &  & (!RCONA555! + !RCONA556! + !RCONA557! + !RCONA558! + !RCONA559! + !RCONA560!) &   is not <= to  & (!RCONHT54! + !RCONG308! + !RCONHT57! + !RCONG311!)

Msg2:
The sum of the components of "Maturity and repricing data" for "Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages" (RC-B M.2.b.(1) through M.2.b.(6)) of $ & (!RCONA555! + !RCONA556! + !RCONA557! + !RCONA558! + !RCONA559! + !RCONA560!) &  must be less than or equal to the sum of the "Amortized cost" components of "Mortgage-backed securities" (RC-B 4.a.(1) through 4.a.(2), Column A) of $ & !RCONHT54! + !RCONG308! &  and the "Fair value" components of "Mortgage-backed securities" (RC-B 4.a.(1) through 4.a.(2), Column D) of $ & !RCONHT57! + !RCONG311! & .  Please revise your reported data.


Msg2:
The sum of "Other mortgage-backed securities" expected average life components (RC-B M.2.c.(1) and M.2.c.(2)) of $ & (!RCONA561! + !RCONA562!) &  must equal the sum of the "Amortized cost" of "Held-to-maturity securities" and the "Fair value" of "Available-for-sale securities" of (RC-B 4.b.(1) through 4.b.(3), 4.c.(2)(a), and 4.c.(2)(b), Columns A and D) of $ & (!RCONG312! + !RCONG316! + !RCONG320! + !RCONK150! +  !RCONK154! +  !RCONG315! + !RCONG319! + !RCONG323! + !RCONK153! + !RCONK157!)  & .  Please revise your reported data.


Msg1:
SEC. MATURE <= 1 YR (RC-BM2D) MUST BE <= SUM OF (RC-BM2A1 THRU BM2C2) & !RCONA248! &   is not <= to  & (!RCONA549! + !RCONA550! + !RCONA551! + !RCONA552! + !RCONA553! + !RCONA554! + !RCONA555! + !RCONA556! + !RCONA557! + !RCONA558! + !RCONA559! + !RCONA560! + !RCONA561! + !RCONA562!)

Msg2:
"Debt securities with a REMAINING MATURITY of one year or less" (RC-B M.2.d.) of $ & !RCONA248! &  must be less than or equal to the sum of the components of "Maturity and repricing data for debt securities" (RC-B M.2.a.(1) through M.2.c.(2)) of $ & (!RCONA549! + !RCONA550! + !RCONA551! + !RCONA552! + !RCONA553! + !RCONA554! + !RCONA555! + !RCONA556! + !RCONA557! + !RCONA558! + !RCONA559! + !RCONA560! + !RCONA561! + !RCONA562!) & .  Please revise your reported data.


Msg2:
The "Amortized cost" of "Structured notes" (RC-B M.4.a.) of $ & !RCON8782! &  must be less than or equal to the sum of the "Amortized cost" components of certain "Held-to-maturity" and "Available-for-sale" securities (RC-B 2, 3, 5, and 6, Column A + Column C) of $ & (!RCONHT50! + !RCON8496! + !RCONC026! + !RCONHT58! + !RCON1737! + !RCON1742! + !RCONHT52! + !RCON8498! + !RCONC989!  + !RCONHT60! + !RCON1739! + !RCON1744!) & .  Please revise your reported data.


Msg2:
The "Fair value" of "Structured notes" (RC-B M.4.b.) of $ & !RCON8783! &  must be less than or equal to the sum of the "Fair Value" of components of certain "Held-to-maturity" and "Available-for-sale" securities (RC-B 2, 3, 5, and 6, Columns B and D) of $ & (!RCONHT51! + !RCON8497! + !RCONC988! + !RCONHT59! + !RCON1738! + !RCON1743! + !RCONHT53! + !RCON8499! + !RCONC027! + !RCONHT61! + !RCON1741! + !RCON1746!) & .  Please revise your reported data.


Msg1:
SUM OF (RC-BM5AA THROUGH BM5FA) MUST EQUAL RC-B5AA  Sum = $ & (!RCONB838! + !RCONB842! + !RCONB846! + !RCONB850! + !RCONB854! + !RCONB858!) &  ; RC-B5A COL. A = $ & !RCONC026! & ;  Difference = $ & (!RCONB838! + !RCONB842! + !RCONB846! + !RCONB850! + !RCONB854! + !RCONB858!) - !RCONC026!

Msg2:
The sum of the "Amortized cost" components of Asset-backed securities (ABS)  in the "Held-to-maturity" category  (RC-B M.5.a. through M.5.f., Column A) of $ & (!RCONB838! + !RCONB842! + !RCONB846! + !RCONB850! + !RCONB854! + !RCONB858!) &  must equal the total "Asset-backed securities" (RC-B 5.a., Column A) of $ & !RCONC026! & .  Please revise your reported data.


Msg1:
SUM OF (RC-BM5AB THROUGH BM5FB) MUST EQUAL RC-B5AB  Sum = $ & (!RCONB839! + !RCONB843! + !RCONB847! + !RCONB851! + !RCONB855! + !RCONB859!) &  ; RC-B5A COL. B = $ & !RCONC988! & ;  Difference = $ & (!RCONB839! + !RCONB843! + !RCONB847! + !RCONB851! + !RCONB855! + !RCONB859!) - !RCONC988!

Msg2:
The sum of the "Fair value" components of Asset-backed securities (ABS)  in the "Held-to-maturity" category (RC-B M.5.a. through M.5.f., Column B) of $  & (!RCONB839! + !RCONB843! + !RCONB847! + !RCONB851! + !RCONB855! + !RCONB859!) &  must equal the total "Asset-backed securities"  (RC-B 5.a., Column B) of $  & !RCONC988! & .  Please revise your reported data.


Msg1:
SUM OF (RC-BM5AC THROUGH BM5FC) MUST EQUAL RC-B5AC  Sum =  & (!RCONB840! + !RCONB844! + !RCONB848! + !RCONB852! + !RCONB856! + !RCONB860!) &  ; RC-B5A COL. C =  & !RCONC989! & ; Difference = $  & (!RCONB840! + !RCONB844! + !RCONB848! + !RCONB852! + !RCONB856! + !RCONB860!) - !RCONC989!

Msg2:
The sum of the "Amortized cost" components of Asset-backed securities (ABS)  in the "Available-for-sale" category (RC-B M.5.a. through M.5.f., Column C) of $ & (!RCONB840! + !RCONB844! + !RCONB848! + !RCONB852! + !RCONB856! + !RCONB860!) &  must equal the total "Asset-backed securities" (RC-B 5.a., Column C) of $ & !RCONC989! & .  Please revise your reported data.


Msg1:
SUM OF (RC-BM5AD THROUGH BM5FD) MUST EQUAL RC-B5AD  Sum =  & (!RCONB841! + !RCONB845! + !RCONB849! + !RCONB853! + !RCONB857! + !RCONB861!) &  ; RC-B5A COL. D =  & !RCONC027! & ; Difference = $  & (!RCONB841! + !RCONB845! + !RCONB849! + !RCONB853! + !RCONB857! + !RCONB861!) - !RCONC027!

Msg2:
The sum of the "Fair Value" components of Asset-backed securities (ABS)  in the "Available-for-sale" category (RC-B M.5.a. through M.5.f., Column D) of $ & (!RCONB841! + !RCONB845! + !RCONB849! + !RCONB853! + !RCONB857! + !RCONB861!) &  must equal the total "Asset-backed securities"  (RC-B 5.a., Column D) of $ & !RCONC027! & .  Please revise your reported data.


Msg1:
SUM OF (RC-B M6A THRU M6G, COL A) MUST EQUAL RC-B 5B, COL A.  &  & RC-B M6A to M6G = = $ & (!RCONG348! + !RCONG352! + !RCONG356! + !RCONG360! + !RCONG364! + !RCONG368! + !RCONG372!) &  ; RC-B 5B COL. A = $ & (!RCONHT58!) & ; Difference = $ & (!RCONG348! + !RCONG352! + !RCONG356! + !RCONG360! + !RCONG364! + !RCONG368! + !RCONG372!) - (!RCONHT58!)

Msg2:
The sum of the "Amortized cost" components of "Structured financial products" in the "Held-to-maturity" category  (RC-B M.6.a. through M.6.g., Column A) of $ & (!RCONG348! + !RCONG352! + !RCONG356! + !RCONG360! + !RCONG364! + !RCONG368! + !RCONG372!) &  must equal the total of "Structured financial products" (RC-B 5.b, Column A) of $ & (!RCONHT58!) & .  Please revise your reported data.


Msg1:
SUM OF (RC-B M6A THROUGH M6G, COL B) MUST EQUAL RC-B 5B, COL B.  &  & RC-B M.6.a thru M.6.g, Col B = $ & (!RCONG349! + !RCONG353! + !RCONG357! + !RCONG361! + !RCONG365! + !RCONG369! + !RCONG373!) &  ; RC-B 5.b COL. B = $ & (!RCONHT59!) & ; Difference = $ & (!RCONG349! + !RCONG353! + !RCONG357! + !RCONG361! + !RCONG365! + !RCONG369! + !RCONG373!) - (!RCONHT59!)

Msg2:
The sum of the "Fair Value" components of "Structured financial products" in the "Held-to-maturity" category  (RC-B M.6.a. through M.6.g., Column B) of $ & (!RCONG349! + !RCONG353! + !RCONG357! + !RCONG361! + !RCONG365! + !RCONG369! + !RCONG373!) &  must equal the total of "Structured financial products" (RC-B 5.b, Column B) of $ & (!RCONHT59!) & .  Please revise your reported data.


Msg1:
SUM OF (RC-B M6A THROUGH M6G, COL C) MUST EQUAL RC-B 5B, COL C.  &  & RC-B M.6.a thru M.6.g, Col C = $ & (!RCONG350! + !RCONG354! + !RCONG358! + !RCONG362! + !RCONG366! + !RCONG370! + !RCONG374!) &  ; RC-B 5.b Col C = $ & (!RCONHT60!) & ; Difference = $ & (!RCONG350! + !RCONG354! + !RCONG358! + !RCONG362! + !RCONG366! + !RCONG370! + !RCONG374!) - (!RCONHT60!)

Msg2:
The sum of the "Amortized cost" components of "Structured financial products" in the "Available-for-sale" category  (RC-B M.6.a. through M.6.g., Column C) of $ & (!RCONG350! + !RCONG354! + !RCONG358! + !RCONG362! + !RCONG366! + !RCONG370! + !RCONG374!) &  must equal the total of "Structured financial products" (RC-B 5.b, Column C) of $ & (!RCONHT60!) & .  Please revise your reported data.


Msg1:
SUM OF (RC-B M6A THROUGH M6G, COL D) MUST EQUAL RC-B 5B COL D.  &  & RC-B M.6.a thru M.6.g, Col D = $ & (!RCONG351! + !RCONG355! + !RCONG359! + !RCONG363! + !RCONG367! + !RCONG371! + !RCONG375!) &  ; RC-B 5.b Col D = $ & (!RCONHT61!) & ; Difference = $ & (!RCONG351! + !RCONG355! + !RCONG359! + !RCONG363! + !RCONG367! + !RCONG371! + !RCONG375!) - (!RCONHT61!)

Msg2:
The sum of the "fair value" components of "Structured financial products" in the "Available-for-sale" category  (RC-B M.6.a. through M.6.g., Column D) of $ & (!RCONG351! + !RCONG355! + !RCONG359! + !RCONG363! + !RCONG367! + !RCONG371! + !RCONG375!) &  must equal the total of "Structured financial products" (RC-B 5.b, Column D) of $ & (!RCONHT61!) & .  Please revise your reported data.


Msg1:
RCD M1b SHLD BE >= 60% AND <= 140% OF RCD 6b RCD M1b =  & !RCONF632! & ; RCD 6b =  & !RCONF614!

Msg2:
Generally, the unpaid principal balance of loans is comparable to the fair value.  Your bank reported "Unpaid principal balance of loans measured at fair value" for  "Commercial and industrial loans" (RC-D M.1.b. Domestic Offices) of $ & !RCONF632! &  and the fair value of these loans (RC-D 6.b. Domestic Offices) of $ & !RCONF614! & .  The ratio of the unpaid principal balance to the fair value falls outside our tolerance range of 60% to 140%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
RCD M1d SHLD BE >= 60% AND <= 140% OF RCD 6d RCD M1d =  & !RCONF636! & ; RCD 6d =  & !RCONF618!

Msg2:
Generally, the unpaid principal balance of loans is comparable to the fair value.  Your bank reported "Unpaid principal balance of loans measured at fair value" for "Other loans" (RC-D M.1.d. Domestic Offices) of $ & !RCONF636! &  and the fair value of these loans (RC-D 6.d. Domestic Offices) of $ & !RCONF618! & .  The ratio of the unpaid principal balance to the fair value falls outside our tolerance range of 60% to 140%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
RCD M1a1 SHLD BE >= 60% AND <= 140% OF RCD 6a1

Msg2:
Generally, the unpaid principal balance of loans is comparable to the fair value.  Your bank reported "Unpaid principal balance of loans measured at fair value" for "Loans secured by 1-4 family residential properties" (RC-D M.1.a.(1)) of $ & !RCONHT66! &  and the fair value of these loans (RC-D 6.a.(1)) of $ & !RCONHT63! & .  The ratio of the unpaid principal balance to the fair value falls outside our tolerance range of 60% to 140%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
RCD M1a2 SHLD BE >= 60% AND <= 140% OF RCD 6a2

Msg2:
Generally, the unpaid principal balance of loans is comparable to the fair value.  Your bank reported "Unpaid principal balance of loans measured at fair value" for loans "All other loans secured by real estate" (RC-D M.1.a.(2)) of $ & !RCONHT67! &  and the fair value of these loans (RC-D 6.a.(2)) of $ & !RCONHT64! & .  The ratio of the unpaid principal balance to the fair value falls outside our tolerance range of 60% to 140%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
RCD M1c SHLD BE >= 60% AND <= 140% OF RCD 6c

Msg2:
Generally, the fair value of loans is comparable to the unpaid principal balance.  Your bank reported "Loans measured at fair value" for "Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans)" (RC-D 6.c) of $ & !RCONHT65! &  and "Unpaid principal balance of loans measured at fair value" (RC-D M.1.c) of $ & !RCONHT68! & .  The ratio of the fair value to the unpaid principal balance falls outside our tolerance range of 60% to 140%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-E3C PREV) >0  &  (RC-E2C) PREV=0 & CURR>0, (RC-E3C CURR) S/B >0(RC-E3 COL C PREV) =  & !PQ1RCON2530! &  ; (RC-E3 COL C CURR) =  & !RCON2530! &  ; (RC-E2 COL C CURR) =  & !RCON2520!

Msg2:
Generally, if a bank holds deposits of the U.S. Government, it also holds deposits of state and other political subdivisions in the United States.  Last quarter, your bank reported "Nontransaction deposit accounts of State & political subdivisions in the U.S." (RC-E 3., Column C) of $ & !PQ1RCON2530! & .  This quarter you reported none, yet you reported "Nontransaction deposit accounts of the U.S. Government" (RC-E 2., Column C) of $ & !RCON2520! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
(RC-C 2A THRU 2C, COL A) MUST EQUAL (RC-C 2 COL B).  &  &  & !RCONB531! + !RCONB534! + !RCONB535!&   does not equal  & !RCON1288!

Msg2:
The sum of the components of "Loans to depository institutions and acceptances of other banks" (RC-C Part I, 2.a through 2.c, Column A) of $ & !RCONB531! + !RCONB534! + !RCONB535!&  must equal "Total loans to depository institutions and acceptances of other banks" (RC-C Part I, 2., Column B) of $ & !RCON1288! & .  Please revise your reported data.


Msg1:
IF TOTAL TRAN. ACCT (RC-E7A) >0, THEN TOTAL DDA (RC-E7B) SHOULD BE > 0Col A =  & !RCON2215! &  ;   Col B =  & !RCON2210!

Msg2:
Your bank reported "Total transaction accounts (including total demand deposits)" (RC-E 7., Column A) of $ & !RCON2215! & .  However, you did not report any "Total demand deposits (included in Column A)" in (RC-E 7., Column B).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF PREVIOUS (RC-EM1B) <= 40% OF PREV (RC-E7C), CURRENT (EM1B) SHLD BE <= 50% OF CURR E7C CURR EM1B:  & !RCON2365! &  IS > 50% OF CURR E7C:  & (0.50 * !RCON2385!)

Msg2:
Last quarter, your bank`s "Total brokered deposits" (RC-E M.1.b.)  & !PQ1RCON2365! &  was less than or equal to 40% of  "Total nontransaction accounts" (RC-E 7., Column C) & !PQ1RCON2385! * 0.40 &  However, this quarter your reported brokered deposits of $ & !RCON2365! & , is greater than 50% of your bank`s current "Total nontransaction accounts"  ($ & !RCON2385! * 0.50 & ).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF PREV (RC-E M1B >= 50% OF RC-E 7, COL C), CURR (RC-E M1B SHLD BE >= 40% OF RC-E 7, COL C).   &  & Curr RC-E M.1.b = $& !RCON2365!&;   40% of curr RC-E 7, Col C = (40% x &!RCON2385!&  = $ &.40 * !RCON2385!&) &

Msg2:
Last quarter, your bank`s "Total brokered deposits" (RC-E M.1.b.) of $ & !PQ1RCON2365! & was greater than 50% of "Total nontransaction accounts" (RC-E 7., Column C) of (50% x &!PQ1RCON2385!& = $ & !PQ1RCON2385! * 0.50 & ). However, this quarter you reported "Total brokered deposits" of  $& !RCON2365! & , which is less than 40% of your bank`s current "Total nontransaction accounts" (40% x &!RCON2385!& = $ & !RCON2385! * 0.40 & ). Please review your reported data, and explain or revise as appropriate.


Msg1:
RC-E M1B + M1F MUST BE LT OR EQUAL TO TOTAL DEPOSITS &  & M1B + M1F = $ & !RCON2365! + !RCONK223! & ; RC 13A = $& !RCON2200!

Msg2:
The sum of "Brokered deposits" (RC-E M 1.b) and the "Estimated amount of deposits obtained through the use of deposit listing services that are not brokered deposits" (RC-E M 1.f) of $ & !RCON2365! + !RCONK223! & must be less than or equal to total domestic deposits (RC 13.a). Please revise your reported data.


Msg1:
IF RCE M1F PREV > 0 THEN RCE M1F CURR SB > 0 &  &  RCE M1F PREV = $ & !PQ1RCONK223!

Msg2:
Last quarter, your bank reported "Estimated amount of deposits obtained through the use of deposit listing services that are not brokered deposits" (RC-E m 1.f) of $ & !PQ1RCONK223! &. However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
RC-EM1B - RC-EM1C > 1, THEN IT SHOULD BE > $250K.  &  &  & !RCON2365! &   -  & !RCONHK05! &   =  & !RCON2365! - !RCONHK05!

Msg2:
Your bank appears to have reported uninsured brokered deposits in the amount of $ & !RCON2365! - !RCONHK05! & .  These uninsured deposits are derived by subtracting "Brokered deposits of $250,000 or less (fully insured)" (RC-E M.1.c) of $ & !RCONHK05! &  from "Total brokered deposits" (RC-E, M.1.b) of $ & !RCON2365! & .  Generally, deposits $250,000 or less are insured.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-EM1C CURR) >0 AND (RC-EM1D1 PREV) >0, (RC-EM1D1 CURR) S/B >0.  &  & Curr RC-E M.1.c =  & !RCONHK05! &  ;  Prev RC-E M.1.d.(1) = & !PQ1RCONHK06!

Msg2:
Last quarter, your bank reported "Brokered deposits of $250,0000 or less  with a remaining maturity of one year or less" (RC-E M.1.d.(1)) of $ & !PQ1RCONHK06! & .  This quarter you reported none, yet you reported "Brokered deposits of $250,000 or less (fully insured) " (RC-E M.1.c) of $ & !RCONHK05! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RC-EM1B-EM1C CURR)>0 & (RC-EM1D3 PREV)>0, (RC-EM1D3 CURR) S/B >0.  &  & Calculated brokered deposits > $250,000 (RC-E M.1.b - M.1.c) current = $ & (!RCON2365! - !RCONHK05!)&; (RC-E M.1.d.(3)) previous = $ &(!PQ1RCONK220!)

Msg2:
Last quarter your bank reported the sum of "Brokered deposits of more than $250,000 with a remaining maturity of one year or less" (RC-E M.1.d.(3)) of $ & !PQ1RCONK220! & .  This quarter you reported none, yet you reported Brokered deposits of more than $250,000 (RC-E M.1.b. less M.1.c) of $ & (!RCON2365! - !RCONHK05!) & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF RCE M1B PRIOR GREATER THAN OR EQUAL TO $100K THEN RCE M1B CURRENT SHOULD BE GREATER THAN OR EQUAL TO $100K &  &  RCE M1B PRIOR EQUALS $& !PQ1RCON2365! &; CURR RCE M1B EQUALS $ & !RCON2365!

Msg2:
Generally, brokered deposits have high account balances. Last quarter, your bank reported $ & !PQ1RCON2365! &. However, the amount your bank reported for brokered deposits this quarter (RC-E, memoranda 1.b.) is less than $100,000. Please review your reported data, and revise or explain as appropriate.


Msg1:
IF (RC-EM1E) >0, THEN IT SHOULD BE LESS THAN (RC-E3A + RC-E3C) &  &  & !RCON5590! &   is not <= to  & (!RCON2203! + !RCON2530!)

Msg2:
Generally, preferred deposits are uninsured deposits of states and political subdivisions in the U.S., which are secured or collateralized as required under state law.  Your bank`s "Preferred deposits" (RC-E M.1.e.) of $ & !RCON5590! &  should be less than the sum of "Deposits of states and political subdivisions" held in "Total transaction accounts" (RC-E 3., Column A) and "Total nontransaction accounts" (RC-E 3., Column C) of $ & (!RCON2203! + !RCON2530!) &  . Please review your reported data, and explain or revise as appropriate.


Msg1:
(RC-C4AA + RC-C4BA) MUST EQUAL (RC-C4B) & !RCON1763! + !RCON1764! &   does not equal  & !RCON1766!

Msg2:
The sum of "Commercial and industrial loans to U.S. addressees" (RC-C Part I, 4.a., Column A) and "Commercial and Industrial loans to non-U.S. addressees" (RC-C Part I, 4.b., Column A) of $ & !RCON1763! + !RCON1764! &  must equal "Total commercial and industrial loans" (RC-C Part I, 4., Column B) of $ & !RCON1766! & .  Please revise your reported data.


Msg1:
IF RC-EM1E (PREV DEC)>0 & CUR (RC-E3A+E3C)>100K, CUR (RC-EM1E) S/B>0RC-EM1E (PREV DEC) =  & !PQ4RCON5590! &  ; RC-E3A+E3C CURR =  & (!RCON2203! + !RCON2530!)

Msg2:
For the PREVIOUS December`s report, your bank reported "Preferred deposits" (RC-E M.1.e.) of $ & !PQ4RCON5590! & . This quarter, you reported none, yet you reported "Total transaction and nontransaction deposit accounts of states and political subdivisions" (RC-E 3., Column A + Column C) of $ & (!RCON2203! + !RCON2530!) & . Please review your reported data, and explain or revise as appropriate.


Msg2:
Last quarter, your bank reported $ & !PQ1RCON6810! &  in "Money market deposit accounts" (RC-E M.2.a.(1)), which was greater than the amount of $ & !PQ1RCON0352! &  reported in "Other savings deposits" (RC-E M.2.a.(2)).  However, this quarter the opposite is true, and the ratio of (RC-E M.2.a.(1)) divided by (RC-E M.2.a.(2)) is  & !RCON6810! / !RCON0352! * 100 & %, which falls below our tolerance of 80%.  Please review your reported data, and explain or revise as appropriate.


Msg2:
Last quarter, your bank reported "Other savings deposits" (RC-E M.2.a.(2)) of $ & !PQ1RCON0352! &  that were greater than the "Money market deposit accounts" (RC-E M.2.a.(1)) of $ & !PQ1RCON6810! & .  However, this quarter the opposite is true, and the ratio of (RC-E M.2.a.(2)) divided by (RC-E M.2.a.(1)) is  & !RCON0352! / !RCON6810! * 100 & %, which falls below our tolerance of 80%.  Please review your reported data, and explain or revise as appropriate.


Msg2:
Your bank reported an amount for "Maturity and repricing data for time deposits of $250,000 or less with a remaining maturity or next repricing date of:”  "Three months or less" and "Over three months through 12 months"  (RC-E M.3.a.(1) + M.3.a.(2)) of $ & (!RCONHK07! + !RCONHK08!) & .  However, you did not report any "Time deposits of $250,000 or less with a remaining maturity of one year or less" in RC-E M.3.b.  Please review your reported data, and explain or revise as appropriate.


Msg2:
Your bank reported an amount for " Maturity and repricing data for time deposits of more than $250,000 with a remaining maturity or next repricing date of:" "Three months or less" and "Over three months through 12 months" (RC-E M.4.a.(1) + M.4.a.(2)) of $ & (!RCONHK12! + !RCONHK13!) & .  However, you did not report any "Time deposits of more than $250,000 with a remaining maturity of one year or less" in RC-E M.4.b.  Please review your reported data, and explain or revise as appropriate.


Msg1:
(RC-C9B1A + RC-C9B2A) MUST EQUAL (RC-C9B COL B) &  &  $ & !RCON1545!  +  !RCONJ451! &   does not equal $ &  !RCONJ464!

Msg2:
The sum of "Loans for purchasing or carrying securities" (RC-C Part I, 9.b.1, Column A) and "All other loans" (RC-C Part I, 9.b.2, Column A) of $ & !RCON1545! + !RCONJ451! &  must equal "Total other loans" (RC-C Part I, 9.b, Column B) of $ & !RCONJ464! & .  Please revise your reported data.


Msg1:
RC-C I 9A  (COL B ON FFIEC 031) MUST EQ SUM OF RC-C I M10A THRU M10E (COL B ON FFIEC 031).  &  & RC-C I 9.a (Col B on 031) = $&!RCONJ454!&; RC-C I M.10.a thru M.10.e  (Col B on 031) = $ & !RCONPV05! + !RCONPV06! + !RCONPV07! + !RCONPV08! + !RCONPV09! &;  Diff = $ &!RCONJ454! - (!RCONPV05! + !RCONPV06! + !RCONPV07! + !RCONPV08! + !RCONPV09!)

Msg2:
"Loans to nondepository financial institutions" (RC-C I 9.a (Column B on FFIEC 031) of $&!RCONJ454!& must equal the sum of its disaggregated categories (RC-C I M.10.a through M.10.e, (Column B on FFIEC 031)) of $ & !RCONPV05! + !RCONPV06! + !RCONPV07! + !RCONPV08! + !RCONPV09! &.  Please revise your reported data.


Msg1:
(RC-C10A + RC-C10B) COL A MUST EQUAL (RC-C10B) & !RCONF162!  + !RCONF163! &  does not equal  & !RCON2165!

Msg2:
The sum of "Lease financing receivables of leases to individuals for household, family, and other personal expenditures" (RC-C Part I, 10.a., Column A) and "All other lease financing receivables" (RC-C Part I, 10.b., Column A) of $ & !RCONF162! + !RCONF163! &  must equal "Lease financing receivables" (RC-C Part I, 10., Column B) of $ & !RCON2165! & . Please revise your reported data.


Msg1:
TOTAL LOANS AND LEASES (RC-C12B) MUST EQUAL (RC-4A + RC-4B) &  &  & !RCON2122! &   does not equal  & (!RCON5369! + !RCONB528!) &  , difference =  & !RCON2122! - (!RCON5369! + !RCONB528!)

Msg2:
"Total loans and leases held for investment and held for sale" (RC-C Part I, 12., Column B) of $ & !RCON2122! &  must equal the sum of "Loans and lease held for sale" (RC 4.a.) and "Loans and leases held for investment" (RC 4.b.) of $ & (!RCON5369! + !RCONB528!) & .  Please revise your reported data.


Msg2:
The sum of the components of loans and leases (RC-C Part I,1.a.(1). through 10.b., Column B) minus "Unearned income on loans" (RC-C Part I,11., Column B) of $ & (!RCONF158! + !RCONF159! + !RCON1420! + !RCON1797! + !RCON5367! + !RCON5368! + !RCON1460! + !RCONF160! + !RCONF161! + !RCONB531! + !RCONB534! + !RCONB535! + !RCON1590! + !RCON1763! + !RCON1764! + !RCONB538! + !RCONB539! + !RCONK137! + !RCONK207! + !RCON2081! + !RCON2107! + !RCON1545! + !RCONJ454! + !RCONJ451!  + !RCON2165! - !RCON2123!) &  must equal "Total loans and leases, held for investment and held for sale" held in "Domestic Offices" (RC-C Part I,12., Column B) of $ & !RCON2122! & .  Please revise your reported data.


Msg2:
The sum of the components of loans and leases (RC-C Part I, 1.a (1). through 10.b., Column B) minus "Any unearned income on loans" (RC-C Part I, 11., Column B) of $ & (!RCONF158! + !RCONF159! + !RCON1420! + !RCON1797! + !RCON5367! + !RCON5368! + !RCON1460! + !RCONF160! + !RCONF161! + !RCON1288! + !RCON1590! + !RCON1766! + !RCONB538! + !RCONB539! +  !RCONK137! + !RCONK207! + !RCON2107! + !RCONJ454! + !RCONJ464! + !RCON2165! - !RCON2123!) &  must equal "Total loans and leases held for investment and held for sale" (RC-C Part I, 12., Column B) of $ & !RCON2122! & .  Please revise your reported data.


Msg1:
SUM OF (RC-CM2A1 THRU CM2A6 + N1C2AC) MUST EQUAL (RC-C1C2AB) & (!RCONA564! + !RCONA565! + !RCONA566! + !RCONA567! + !RCONA568! + !RCONA569! + !RCONC229!) &   does not equal  & !RCON5367!

Msg2:
The sum of the components of "Maturity and repricing data for closed-end loans secured by first liens on 1-4 family residential property" (RC-C Part I, M.2.a.(1) through M.2.a.(6)) and "Closed-end loans secured by first liens on 1-4 family residential properties" that are in "Nonaccrual" status (RC-N 1.c.(2)(a), Column C) of $ & (!RCONA564! + !RCONA565! + !RCONA566! + !RCONA567! + !RCONA568! + !RCONA569! + !RCONC229!) &  must equal the outstanding balance of "Closed-end loans secured by first liens on 1-4 family residential property" (RC-C Part I, 1.c.(2)(a), Column B) of $ & !RCON5367! & .  Please revise your reported data.


Msg2:
The sum of the components of "Maturity and repricing data for all loans other than closed-end loans secured by first liens on 1-4 family residential properties" (RC-C Part I, M.2.b.(1) through M.2.b.(6)) and similar loans that are in "Nonaccrual" status (RC-N 9 minus 1.c.(2)(a), Column C) of $ & (!RCONA570! + !RCONA571! + !RCONA572! + !RCONA573! + !RCONA574! + !RCONA575! + !RCON1403! - !RCONC229!) &  should equal the balance of all loans reported in schedule RC-C, other than closed-end loans "Secured by first liens on 1-4 family residential properties" (RC-C Part I, 1.a.(1) through 10., minus 1.c.(2)(a)) of $ & (!RCONF158! + !RCONF159! + !RCON1420! + !RCON1797! + !RCON5367! + !RCON5368! + !RCON1460! + !RCONF160! + !RCONF161! + !RCON1288! + !RCON1590! + !RCON1766! + !RCONB538! + !RCONB539! + !RCONK137! + !RCONK207! + !RCON2107! + !RCONJ454! + !RCONJ464! + !RCON2165! - !RCON5367!) & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
LOANS MATURE <= 1 YR (RC-CM2C) MUST <= (RC-CM2A1 THRU CM2B6) & !RCONA247! &   is not <= to  & (!RCONA564! + !RCONA565! + !RCONA566! + !RCONA567! + !RCONA568! + !RCONA569! + !RCONA570! + !RCONA571! + !RCONA572! + !RCONA573! + !RCONA574! + !RCONA575!)

Msg2:
"Loans and leases with a remaining maturity of one year or less (excluding those in nonaccrual status)" (RC-C Part I, M.2.c.) of $ & !RCONA247! &  must be less than or equal to the sum of the components of "Maturity and repricing data for loans and leases (excluding those in nonaccrual status)" (RC-C Part I, M.2.a.(1) through M.2.b.(6)) of $ & (!RCONA564! + !RCONA565! + !RCONA566! + !RCONA567! + !RCONA568! + !RCONA569! + !RCONA570! + !RCONA571! + !RCONA572! + !RCONA573! + !RCONA574! + !RCONA575!) & .  Please revise your reported data.


Msg1:
IF PREV ACCRUED INT RECEIVABLE (RC-F1) > 0, THEN CURRENT (RC-F1) S/B>0Previous =  & !PQ1RCONB556!

Msg2:
Last quarter, your bank reported "Accrued interest receivable" (RC-F 1.) of $ & !PQ1RCONB556! & .  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
COMMERCIAL R/E LOANS (RC-CM3) MUST <= (RC-C4B + RC-C9AB + RC-C9BB) &  &  & !RCON2746! &   is not <= to  & (!RCON1766! + !RCONJ454! + !RCONJ464!)

Msg2:
"Loans to finance commercial real estate, construction, and land development activities (not secured by real estate)" (RC-C Part I, M.3.) of $ & !RCON2746! &  must be less than or equal to the sum of "Commercial and industrial loans" (RC-C Part I, 4., Column B), "Loans to nondepository financial institutions" (RC-C Part I, 9.a., Column B) and  "Other loans" (RC-C Part I, 9.b., Column B) of $ & (!RCON1766! + !RCONJ454! + !RCONJ464!) & .  Please revise your reported data.


Msg1:
IF PREV EQUITY INVESTMENTS (RC-F4) IS => $100K, THEN CURR SHLD BE > 0 &  & (RC-F4 CURR) =  & !RCON1752! &  ; (RC-F4 PREV) =  & !PQ1RCON1752!

Msg2:
Last quarter, your reported "Equity investments without readily determinable fair values" (RC-F 4.) of $ & !PQ1RCON1752! & .  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
MAR: IF OTHER INT INC (RI-1G) >$100K, THEN SUM (RC-F3 +4) S/B > 0 &  & Income =  & !RIAD4518! &  ;  Balance =  & !RCONHT80! + !RCON1752!

Msg2:
Your bank reported "Other interest Income" (RI 1.g.) of $ & !RIAD4518! & , which is often accrued on assets such as "Interest-only strips receivable (not in the form of a security) (RC-F 3.) and "Equity investments without readily determinable fair values" (RC-F 4.). However, you did not report a balance in any of these asset categories.  Please review your reported data, and explain or revise as appropriate.


Msg2:
Your bank reported "Other interest Income" (RI 1.g) of $ & !RIAD4518! & , which is often accrued on assets such as "Interest-only strips receivable (not in the form of a security) (RC-F 3.) and "Equity investments without readily determinable fair values" (RC-F 4.). However, you did not report a balance in any of these asset categories.  Please review your reported data, and explain or revise as appropriate.


Msg2:
Generally, the amount of "Derivatives with a positive fair value held for purposes other than trading" (RC-F 6.c.) of $ & !RCONC010! &  should be less than or equal to the sum of the column components of "Gross positive fair value of derivative contracts held for purposes other than trading" (RC-L 15.b.(1), Columns A through D) of $ & (!RCON8741! + !RCON8742! + !RCON8743! + !RCON8744!) & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
SUM OF (RC-F6A THRU F6J) MUST BE <= ALL OTHER ASSETS (RC-F6)  &  &  RC-F 6.a THRU 6.j =  &!RCON2166! + !RCON1578! + !RCONC010! + !RCONFT33! + !RCONFT34! + !RCONFT35!  + !RCON3549! + !RCON3550! + !RCON3551!&  ; RC-F 6 =  & !RCON2168!

Msg2:
Itemized "All other assets" components (RC-F 6.a. through 6.j.) of $ & !RCON2166! + !RCON1578! + !RCONC010! + !RCONFT33! + !RCONFT34! + !RCONFT35!  + !RCON3549! + !RCON3550! + !RCON3551! &  must be less than or equal to "All other assets" (RC-F 6.) of $ & !RCON2168! & .  Please revise your reported data.


Msg2:
Your bank did not report any "Gross positive fair value of derivative contracts held for purposes other than trading" (RC-L 15.b.(1), Columns A through D).  However, you reported "Derivatives with a positive fair value held for purposes other than trading" (RC-F 6.c.) of $ & !RCONC010! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
ADJ RATE CLOSED-END LOANS SEC BY 1ST LIEN (RC-CM4) MUST <= (RC-C1C2AB) & !RCON5370! &   is not <= to  & !RCON5367!

Msg2:
"Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties" (RC-C Part I, M.4.) of $ & !RCON5370! &  must be less than or equal to "Closed-end real estate loans secured by first liens on 1-4 family residential properties" (RC-C Part I, 1.c.(2)(a), Column B) of $ & !RCON5367! & .  Please revise your reported data.


Msg1:
IF RC-E7C > $1MM AND PREV RC-G1a > 0 THEN CURR RC-G1a SHOULD BE > 0  RC-E7C = & !RCON2385!& PREV RC-G1a = &!PQ1RCON3645!

Msg2:
If the total deposits of non-transaction accounts (including MMDAs), RC-E7C $ & !RCON2385! &  , is greater than $1,000,000 and the previous quarter`s interest accrued and unpaid on deposits in domestic offices, RC-G1a $ & !PQ1RCON3645! & , is greater than zero, than the current quarter`s interest accrued and unpaid on deposits in domestic offices, RC-G1a $ & !RCON3645! & , should be greater than zero.


Msg2:
This quarter, your bank did not report any "Other expenses accrued and unpaid" (RC-G 1.b.).  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF PREV (RC-F2 OR G2) = 0, THEN CURR (RC-F2 OR G2) SHOULD BE = 0 &  & RC-F2 =  & !RCON2148! &  ; RC-G2 =  & !RCON3049!

Msg2:
Deferred tax assets/liabilities from the same tax jurisdiction should be netted and reported in "Net deferred tax assets" (RC-F 2.) OR "Net deferred tax liabilities" (RC-G 2.) as appropriate.  A bank that has deferred tax assets/liabilities from more than one tax jurisdiction may report these amounts in both (RC-F 2.) AND (RC-G 2.). This quarter, your bank reported $ & !RCON2148! &  in (RC-F 2.) and $ & !RCON3049! &  in (RC-G 2.). This is inconsistent with what you reported last quarter.  Please review your reported data, and explain or revise as appropriate.


Msg1:
LOAN SEC BY R/E TO NON-US ADDRESS (RC-CM5) MUST <= (RC-C1A1B THRU C1E2B) & !RCONB837! &   is not <= to  & (!RCONF158! + !RCONF159!  + !RCON1420! + !RCON1797! + !RCON5367! + !RCON5368! + !RCON1460! +  !RCONF160! + !RCONF161!)

Msg2:
"Loans secured by real estate to non-U.S. addressees" (RC-C Part I, M.5.) of $ & !RCONB837! &  must be less than or equal to the sum of the components of "Loans secured by real estate" (RC-C Part I, 1.a.(1) through 1.e.(2), Column B) of $ & (!RCONF158! + !RCONF159! +  !RCON1420! + !RCON1797! + !RCON5367! + !RCON5368! + !RCON1460! + !RCONF160! +!RCONF161!  ) & .  Please revise your reported data.


Msg1:
IF PREV ALLOWANCE ON CREDIT LOSSES (RC-G3) >0, THEN CURR (RC-G3) S/B>0Previous =  & !PQ1RCONB557!

Msg2:
Last quarter, your bank reported "Allowance for credit losses on off-balance sheet credit exposures" (RC-G 3.) of $ & !PQ1RCONB557! & .  However, this quarter you reported none.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF CONTRACTS W/-FV (RC-L15B2 COLS. A THRU D) =0, (RC-G4D) SHLD EQUAL 0(RC-L15B2 COLS. A-D) =  & !RCON8745! + !RCON8746! + !RCON8747! + !RCON8748! &  ; (RC-G4D) =  & !RCONC012!

Msg2:
Your bank reported a zero balance in "Gross negative fair value of derivative contracts held for purposes other than trading" (RC-L 15.b.(2), Columns A through D); however, you reported $ & !RCONC012! &  in "Gross negative fair value of derivative contracts held for purposes other than trading" (RC-G 4.d.).  Reporting for these items should be consistent. Please review your reported data, and explain or revise as appropriate.


Msg2:
Generally, the amount of "Derivatives with a negative fair value held for purposes other than trading" (RC-G 4.d.) of $ & !RCONC012! &  should be less than or equal to the sum of the column components of "Gross negative fair value of derivative contracts held for purposes other than trading" (RC-L 15.b.(2), Columns A through D) of $ & (!RCON8745! + !RCON8746! + !RCON8747! + !RCON8748!) & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
OUTSTANDING CR CARD FEES(RC-CIM6) MUST BE <= CR CARD BALANCES(RC-C6AB) & !RCONC391! &   is not <= to  & !RCONB538!

Msg2:
"Outstanding credit card fees and finance charges" (RC-C Part I, M.6.) of $ & !RCONC391! &  must be less than or equal to "Credit card loans" (RC-C Part I, 6.a., Column B) of $ & !RCONB538! & .  Please revise your reported data.


Msg1:
IF PREVIOUS > 0, THEN CURRENT SHOULD BE > 0  (RC-H6 + RC-H7)Curr =  & (!RCON2163! + !RCON2941!) &  ;  Prior =  & (!PQ1RCON2163! + !PQ1RCON2941!)

Msg2:
Last quarter, your bank reported a "Net due from" or "Net due to" your own "foreign offices, Edge and Agreement subsidiaries, and IBFs" (RC-H 6. or 7.) of $ & (!PQ1RCON2163! + !PQ1RCON2941!) & . However, this quarter you reported neither a "Net due from" nor a "Net due to".  Please review your reported data, and explain or revise as appropriate.


Msg1:
DOM LIAB (RC-H9) SHLD BE >= COMPONENTS (RC-13A +14A +H4 +H5) & !RCON3129! &  is not >=  & !RCON2200! + !RCONB993! + !RCONB995! +!RCON3190!

Msg2:
"Total liabilities" in "Domestic Offices" are calculated and compared to the amount reported in (RC-H 9.). The calculated amount is derived by adding the following liability items:  "Deposits in domestic offices" (RC 13.a.) of $ & !RCON2200! & , "Federal funds purchased and securities sold under agreements to repurchase" (RC 14.a.) of $ & !RCONB993! & , "Securities sold under agreements to repurchase" (RC-H 4.) of $ & !RCONB995! & , and "Other borrowed money" (RC-H 5.) of $ & !RCON3190! & .  The calculated total liabilities of $ & !RCON2200! + !RCONB993! + !RCONB995! + !RCON3190! &  are expected to be no more than the amount reported in (RC-H 9.) of $ & !RCON3129! & .  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF DOM ASSETS (RC-H8) > 0, (RC-H8) SHLD NOT = DOMESTIC LIAB (RC-H9) & !RCON2192! &   =  & !RCON3129!

Msg2:
Generally, "Total assets" in "Domestic Offices" (RC-H 8.) of $ & !RCON2192! &  should not exactly equal "Total liabilities" in "Domestic Offices" (RC-H 9.) of $ & !RCON3129! & .  Please review your reported data, and explain or revise as appropriate.


exp1:
((!RCONC752!)="FFIEC031" AND (!RCONJF94!)=TRUE) AND ([EXNONEMPTY((!RCONB989!))] OR [EXNONEMPTY((!RCONB995!))] OR [EXNONEMPTY((!RCON3190!))] OR [EXNONEMPTY((!RCON2163!))] OR [EXNONEMPTY((!RCON2941!))] OR [EXNONEMPTY((!RCON2192!))] OR [EXNONEMPTY((!RCON3129!))] OR [EXNONEMPTY((!RCON0211!))] OR [EXNONEMPTY((!RCON1287!))] OR [EXNONEMPTY((!RCON8492!))] OR [EXNONEMPTY((!RCON8495!))] OR [EXNONEMPTY((!RCON8496!))] OR [EXNONEMPTY((!RCON8499!))] OR [EXNONEMPTY((!RCONG389!))] OR [EXNONEMPTY((!RCONG390!))] OR [EXNONEMPTY((!RCON1709!))] OR [EXNONEMPTY((!RCON1713!))] OR [EXNONEMPTY((!RCONG393!))] OR [EXNONEMPTY((!RCONG394!))] OR [EXNONEMPTY((!RCON1733!))] OR [EXNONEMPTY((!RCON1736!))] OR [EXNONEMPTY((!RCONG397!))] OR [EXNONEMPTY((!RCONG398!))] OR [EXNONEMPTY((!RCONG399!))] OR [EXNONEMPTY((!RCONG400!))] OR [EXNONEMPTY((!RCON1754!))] OR [EXNONEMPTY((!RCON1773!))] OR [EXNONEMPTY((!RCONJA22!))] OR [EXNONEMPTY((!RCON1752!))] OR [EXNONEMPTY((!RCON3545!))] OR [EXNONEMPTY((!RCON3548!))] OR [EXNONEMPTY((!RCONHT71!))] OR [EXNONEMPTY((!RCONJF75!))])

Msg1:
IF 031 AND NO FOREIGN OFFICES,  CURR RC-H 1-22 S/B NULL. DO NOT PUT ZEROES

Msg2:
Your institution does not have foreign offices, therefore Schedule RC-H should be left blank. Please review your reported data, and explain or revise as appropriate.


Msg2:
Your bank`s annualized yield on "Interest-bearing balances due from depository institutions" (RC-K 1.) appears inconsistent with current market rates.  The annualized yield is calculated by multiplying (RI 1.c.) of $ & !RIAD4115! &  by four and dividing by (RC-K 1.) of  & !RCON3381! & .  Currently, your annualized yield exceeds our tolerance of 6%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RI-1C CURR-PREV) > $50K, THEN ANNUALIZED INCOME DUE FROM DEPOSITS (RI-1C CURR-PREV)*4 S/B < 6% OF RC-K1 &  & (RI-1C CURR-PREV)*4 = $ & (!RIAD4115! - !PQ1RIAD4115!) * 4 & ; 6% OF RC-K1 = $ & !RCON3381! * 6 / 100

Msg2:
Your bank`s annualized yield on "Interest-bearing balances due from depository institutions" (RC-K 1.) appears inconsistent with current market rates. The annualized yield is calculated by multiplying (RI 1.c. current minus previous) of $ & (!RIAD4115! - !PQ1RIAD4115!) &  by four and dividing by (RC-K 1.) of $ & !RCON3381! & . Currently, your annualized yield exceeds our tolerance of 6%.  Please review your reported data, and explain or revise as appropriate.


Msg2:
Your bank`s annualized yield on "U.S. Treasury securities and U.S. Government agency obligations" (RC-K 2.) appears inconsistent with current market rates.  The annualized yield is calculated by multiplying (RI 1.d.(1)) of $ & !RIADB488! &  by four and dividing by (RC-K 2.) of $ & !RCONB558! & .  Currently, your annualized yield exceeds our tolerance of 6%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RI-1D1 CURR-PREV) > $30K, THEN ANNUALIZED INCOME ON TREAS & GOVT OBL (RI-1D1 CURR-PREV)*4 S/B < 6% OF RC-K2  &  & (RI-1D1 CURR-PREV)*4 = $ & (!RIADB488! - !PQ1RIADB488!) * 4 & ; 6% OF RC-K2 = $  & !RCONB558! * 6 / 100

Msg2:
Your bank`s annualized yield on "U.S. Treasury securities and U.S. Government agency obligations" (RC-K 2.) appears inconsistent with current market rates. The annualized yield is calculated by multiplying (RI 1.d.(1) current minus previous) of $ & (!RIADB488! - !PQ1RIADB488!) &  by four and dividing by (RC-K 2.) of $ & !RCONB558! & . Currently, your annualized yield exceeds our tolerance of 6%. Please review your reported data, and explain or revise as appropriate.


Msg1:
IF INT AND FEE INC (RI 1D1) > $30, THEN QTRLY AVG (RC-K 2) SHLD BE > 0.  &  & RI 1.d.1 = $ & !RIADB488!

Msg2:
Your bank reported interest and dividend income on " U.S. Treasury securities and U.S. Government agency obligations" (RI 1.d.1) of $ & !RIADB488!&.    However, you did not report a quarterly average on "U.S. Treasury securities and U.S. Government agency obligations" (RC-K 2).   Please review your reported data, and explain or revise as appropriate.


Msg1:
IF CURR INT AND FEE INC (RI 1D1) > PRIOR AND CURR > $30, THEN QTRLY AVG (RC-K 2) SHLD BE > 0.  &  &  RI 1.d.1 (Curr - Prev) = ( & !RIADB488!& - &!PQ1RIADB488!&) = $ & !RIADB488! - !PQ1RIADB488!

Msg2:
Your bank reported a change in interest and dividend income from prior quarter on " U.S. Treasury securities and U.S. Government agency obligations" (RI 1.d.1) of $ & !RIADB488! - !PQ1RIADB488! &.    However, you did not report a quarterly average on "U.S. Treasury securities and U.S. Government agency obligations" (RC-K 2).   Please review your reported data, and explain or revise as appropriate.


Msg2:
Your bank`s annualized yield on "U.S. Treasury securities and U.S. Government agency obligations" (RC-K 2.) appears inconsistent with current market rates.  The annualized yield is calculated by multiplying (RI 1.d.(1)) of $ & !RIADB488! &  by four and dividing by (RC-K 2.) of $ & !RCONB558! & .  Currently, your annualized yield is  & !RIADB488! / !RCONB558! * 400 & %, which falls below our tolerance of 0.25%.  Please review your reported data, and explain or revise as appropriate.


Msg2:
Your bank`s annualized yield on "U.S. Treasury securities and U.S. Government agency obligations" (RC-K 2.) appears inconsistent with current market rates.  The annualized yield is calculated by multiplying (RI 1.d.(1) current minus previous) of $ & (!RIADB488! - !PQ1RIADB488!) &  by four and dividing by (RC-K 2.) of $ & !RCONB558! & .  Currently, your annualized yield is  & (!RIADB488! - !PQ1RIADB488!) / !RCONB558! * 400 & %, which falls below our tolerance of 0.25%.  Please review your reported data, and explain or revise as appropriate.


Msg2:
Your bank`s annualized yield on "Mortgage-backed securities" (RC-K 3.) appears inconsistent with current market rates.  The annualized yield is calculated by multiplying (RI 1.d.(2)) of $ & !RIADB489! &  by four and dividing by (RC-K 3.) of $ & !RCONB559! & .  Currently, your annualized yield exceeds our tolerance of 7%.  Please review your reported data, and explain or revise as appropriate.


Msg1:
IF (RI-1D2 CURR-PREV) > $100K, THEN ANNUALIZED INCOME ON MBS (RI-1D2 CURR-PREV)*4 S/B < 7% OF RC-K3 &  & (RI-1D2 CURR-PREV)*4 = $ & (!RIADB489! - !PQ1RIADB489!) * 4 & ; 7% OF RC-K3 = $ & !RCONB559! * 7 / 100

Msg2:
Your bank`s annualized yield on "Mortgage-backed securities" (RC-K 3.) appears inconsistent with current market rates. The annualized yield is calculated by multiplying (RI 1.d.(2) current minus previous) of $ & (!RIADB489! - !PQ1RIADB489!) &  by four and dividing by (RC-K 3.) of $ & !RCONB559! & . Currently, your annualized yield exceeds our tolerance of 7%. Please review your reported data, and explain or revise as appropriate.


Msg2:
The amount of $  & !RCONB560! &  you reported as a quarterly average on "All other debt securities and equity securities with readily determinable fair values not held for trading purposes” (RC-K 4. seems inconsistent with an estimated quarterly average.  The estimated average of $ & ((!RCON8496! + !RCON8498! + !RCONC026! + !RCONC989! + !RCONHT58! + !RCONHT60!  + !RCON1737! + !RCON1739! + !RCON1742! + !RCON1744! + !RCONJA22! + !PQ1RCON8496! + !PQ1RCON8498! + !PQ1RCONC026! + !PQ1RCONC989! + !PQ1RCONHT58! + !PQ1RCONHT60!  + !PQ1RCON1737! + !PQ1RCON1739! + !PQ1RCON1742! + !PQ1RCON1744! + !PQ1RCONJA22!) / 2) &  is derived by adding the current and previous quarter-end balances of (RC-B, 3. 5., AND 6., columns A and C, and RC 2.c), and then dividing the total by two. Please review your reported data, and explain or revise as appropriate.


