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Definitions and Instructions for SCHEDULE II:

LOANS OUTSTANDING AS OF SEPTEMBER 30, 1977 TO EXECUTIVE OFFICERS, MAJOR STOCKHOLDERS AND DIRECTORS OF OTHER BANKS

NOTE: 1. Enter all dollar amounts in thousands.

2. Enter the total number of loans in units.

3. Enter percents to 2 decimal places.

Executive officer refers to every employee of a bank who currently participates in or has authority to participate in major policy-making functions of the bank, regardless of title, salary or other compensation, or lack of salary or other compensation. The chairman of the board, the president, every vice-preident, the cashier, secretary, and treasurer are assumed to be executive officers, unless the bank's bylaws or board resolution excludes any such officer from participation in major policy-making functions.

Major Stockholder refers to a stockholder currently holding 10 percent or more of any class of voting securities.

Director refers to a person who has been appointed to or elected to a seat on a bank's current board of directors.

When completing this schedule, borrowers who are members of the groups indicated below need be identified only to the extent that the information is readily available to the reporting bank:

A. Executive officers, major stockholders, and directors of banks that do not maintain a correspond.

ent demand deposit balance with the reporting bank.

B. Major stockholders of banks that do maintain a correspondent demand deposit balance with the

reporting bank.

In completing SCHEDULE 11, include all loans, as reported in Schedule A of the Domestic Report of
Condition for September 30, 1977, to the indicated borrowers, except the following:

- Exclude loans to financial institutions.

Exclude loans to brokers and dealers in securities.

Exclude any real estate loan with a current balance of less than $60,000.
Exclude any other loan with a current balance of less than $10,000.

SCHEDULE II requires separate reporting for fixed rate loans and floating rate loans. Lines a through m are applicable to fixed rate loans and line n is applicable to floating rate loans.

Fixed rate loans include loans for which the interest rate was fixed at the beginning of the loan and was known to both the bank and the borrower at that time. The fixed rate may be either a single unchanging rate over the life of the loan or it may be a variable rate provided the amount and schedule of changes are predetermined and known at the beginning of the loan.

Floating rate loans include loans for which the interest rate may change over the life of the loan on other than a predetermined schedule. Include in this category loans tied to the bank's prime rate or to other market rates of interest.

The following instructions relate to both fixed rate loans (lines a through m) and floating rate loans (line n).

COLUMNS A and D. Total loan amount (in thousands):

For fixed rate loans, enter the total loan amount outstanding as of September 30, 1977 that had a "Date
of Note" in each of the time periods identified in the Date of Note column (lines a through 1). Enter
each loan in only one time period.
For floating rate loans, enter on line n the total loan amount outstanding on September 30, 1977.

COLUMNS B and E. Total number of loans:

For fixed rate loans enter the number of loans, outstanding on September 30, 1977, which had a "Date of Note" in each of the time periods identified in the Date of Note column (lines a through 1).

For floating rate loans, enter on line n the total number of loans outstanding on September 30, 1977.

COLUMNS C and F. Weighted average interest rate:

Enter the weighted average interest rate for the loans which were reported in each of the time periods.
The weighted average interest rate for each time period is computed by multiplying each outstanding
loan by its current interest rate, adding the products and dividing the grand total by the total amount of
credit outstanding.
EXAMPLE: During 1973 (Date of Note 'e'), loans were granted to the indicated borrowers which have

current balances as follows:

$ 10,000 @ 8.00%
$125,000 @ 7.00%
$ 52,000 @ 7.50%
$149,000 @ 7.00%
The total loan amount outstanding of $336,000 would be reported in Column A or D as
appropriate
The weighted average interest rate, to be entered in Column C or F, would be calculated

as follows:
(10,000 x .08) + (125,000 x .07) + (52,000 x .075) + (149,000 x .07) = .07107

336,000
The weighted average interest rate is 7.11%
1.07107 x 100)

Definitions and Instructions for SCHEDULE III: LOANS OUTSTANDING AS OF SEPTEMBER 30, 1977 TO EXECUTIVE OFFICERS, MAJOR STOCKHOLDERS AND DIRECTORS OF THE REPORTING BANK, THEIR BUSINESS INTERESTS AND THEIR IMMEDIATE FAMILIES

NOTE: 1. Enter all dollar amounts in thousands.

2. Enter the total number of loans in units.

3. Enter percents to 2 decimal places.

Executive Officer refers to every employee of a bank who currently participates in or has authority to participate in major policy

making functions of the bank, regardless of title, salary or other compensation, or lack of salary or other compensation. The chairman of the board, the president, every vice-president, the cashier, secretary, and treasurer are assumed to be executive officers, unless the bank's bylaws or a board resolution excludes any such officer from participation in major policy-making functions. Major stockholder refers to a stockholder currently holding 10 percent or more of any class of voting secu. rities.

Director refers to a person who has been appointed to or elected to a seat on a bank's current board of
directors.
An individual is considered to have a business interest if he/she directly or indirectly or in concert with one
or more persons:

A. owns, controls or has power to vote 25 percent or more of any class of voting securities of the

company; or

B. controls in any manner the election of the majority of the directors of the company; or
C. has the power to exercise a controlling influence over the management or policies of such com-

pany.

Company refers to any corporation, partnership, business trust, association, joint venture, pool syndicate, sole proprietorship, unincorporated organization, any other form of business entity not specifically listed, or any other trust.

Immediate family, for the purpose of this schedule, refers to any relative or spouse of an executive officer, major stockholder or director who has the same home as the executive officer, major stockholder or director. It also includes relatives of the spouse living in the same home as the executive officer, major stock. holder or director.

In completing SCHEDULE III, include all loans, as reported in Schedule A of the Domestic Report of Condition for September 30, 1977, to the indicated borrowers, except the following:

- Exclude any real estate loan with a current balance of less than $60,000.

Exclude any other loan with a current balance of less than $10,000. Schedule III requires separate reporting for fixed rate loans and floating rate loans. Lines a through mare applicable to fixed rate loans and line n is applicable to floating rate loans.

Fixed rate loans include loans for which the interest rate was fixed at the beginning of the loan and was known to both the bank and the borrower at that time. The fixed rate may be either a single unchanging rate over the life of the loan or it may be a variable rate provided the amount and schedule of the changes are predetermined and known at the beginning of the loan.

Floating rate loans include loans for which the interest rate may change over the life of the loan on other than a predetermined schedule. Include in this category loans tied to the bank's prime rate or to other mar. ket rates of interest.

For definitions and instructions of Total loan amount (columns A, D, G), Total number of loans (columns
B, E, H) and Weighted average interest rate (columns C, F,!), see instructions for corresponding columns in
SCHEDULE II.

Definitions and Instructions for SCHEDULE IV: OVERDRAFTS
NOTE: 1. Enter all dollar amounts in thousands.

2. Enter the number of overdrafts in units.
3. Report percents to 2 decimal places.
Overdrafts, for this schedule, refer to ordinary overdrafts. Do not include overdrafts of depository banks or
overdrafts that arise in check credit or revolving credit plans.
Overdraft charge refers to fees charged for overdrawing an account and interest charged against an over-
drawn account.
Executive Officer refers to every employee of a bank who currently participates in or has authority to
participate in major policy-making functions of the bank, regardless of title, salary or other compensation,
or lack of salary or other compensation. The chairman of the board, the president, every vice-president, the
cashier, secretary, and treasurer are assumed to be executive officers, unless the bank's bylaws or a board
resolution excludes any such officer from participation in major policy-making functions.
Major stockholder refers to a stockholder currently holding 10 percent or more of any class of voting
securities.
Director refers to a person who has been appointed to or elected to a seat on a bank's current board of
directors.
When completing this schedule, borrowers who are members of the groups indicated below need be
identified only to the extent that the information is readily available to the reporting bank:

A. Executive officers, major stockholders, and directors of banks that do not maintain a corres

pondent demand deposit balance with the reporting bank. B. Major stockholders of banks that do maintain a correspondent demand deposit balance with

the reporting bank. Immediate family, for the purpose of this schedule, refers to any relative or spouse of an executive officer, major stockholder or director who has the same home as the executive officer, major stockholder or director. It also includes relatives of the spouse living in the same home as the executive officer, major stockholder or director. Public official refers to any elected official in federal, state and local government and to any official of a bank regulatory agency and to any employee of such agency who performs a bank supervisory function.

Schedule 1
SURVEY OF LOANS, $25,000 AND OVER, SECURED BY DOMESTIC BANK OR BANK HOLDING COMPANY STOCK

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SECTION 1. Information on reporting bank.

1. Total assets (as of September 30, 1977)
2. Total loans (as of September 30, 1977).
3. Gross demand deposits 'due from other domestic commercial banks (Daily average for month of September, 1977).
4. Gross demand deposits 'due to other domestic commercial banks (Daily average for month of September, 1977)...

5. Total number of loans reported in SECTION 2
SECTION 2. Provide the following information for each loan, with a current balance of $25,000 or more, for which the primary collateral is

any voting class of stock of other banks or bank holding companies if the aggregate amount of a bank's stock or of a bank holding company's stock pledged on all loans outstanding at the reporting bank constitutes 10 percent or more of the current outstanding voting stock of that bank or bank holding company.

LOAN NO.
Name and location of bank or bank holding company whose stock was pledged:
A. Name

B. City

C. State

D. Zip Code E. Check appropriate box to indicate the type of institution listed in item A:

Bank

Bank holding company? F. Gross demand deposits 'due from' institution listed in item A (Daily average for month of September, 1977) G. Gross demand deposits 'due to institution listed in item A (Daily average for month of September, 1977) H. Are specific fees collected for any services rendered by reporting bank to the institution listed in item A?

Yes No2 1. Is the debtor currently an executive officer, major stockholder or director of the institution listed in item A or of any of its domestic affiliates?

Yes

No 11. If item I is checked Yes, check appropriate box here: Executive officer o Major stockholder

Director J. Date of note or other evidence of debt (month/day/year)

И K. Amount of loan outstanding on September 30, 1977 L. Interest rate as of date of note L1. Check appropriate box to indicate the type of interest rate recorded in item L: Fixed rate

Floating rate M. Total number of shares currently pledger as collateral for loan N. Total number of shares currently outstanding O. Were any of the loan proceeds used to purchase bank or bank holding company stock?

Yes 01. If item is checked Yes, did a change of control result from the purchase? .

No

Unknown

No 2

Yes 0

LOAN NO.
Name and location of bank or bank holding company whose stock was pledged:
A. Name

B. City

C. State

D. Zip Code E. Check appropriate box to indicate the type of institution listed in item A:

Bank

Bank holding company F. Gross demand deposits 'due from institution listed in item A (Daily average for month of September, 1977). G. Gross demand deposits 'due to institution listed in item A (Daily average for month of September, 1977) H. Are specific fees collected for any services rendered by reporting bank to the institution listed in item A?

Yes No 2 I. Is the debtor currently an executive officer, major stockholder or director of the institution listed in item A or of any of its domestic affiliates?

Yes No 11. If item I is checked Yes, check appropriate box here: Executive officer o Major stockholder

Director J. Date of note or other evidence of debt (month/day/year) K. Amount of loan outstanding on September 30, 1977 L. Interest rate as of date of note L1. Check appropriate box to indicate the type of interest rate recorded in item L: Fixed rate)

Floating rate M. Total number of shares currently pledged as collateral for loan N. Total number of shares currently outstanding 0. Were any of the loan proceeds used to purchase bank or bank holding company stock?

No 01. If item O is checked Yes, did a change of control result from the purchase?

Unknown

Yes!

Yes

No ]

8330/01a (10-77) Page 1

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