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SULLIVAN & CROMWELL LLP

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CONFIDENTIAL TREATl\fENT REQUEST


Federal Reserve Bank of New York,
33 Liberty Street,
New York, NY 10045.
Attention: Ivan J. Hurwitz, Vice President, Bank Applications
Re:

Goldman Sachs Bank USA: Application Pursuant lo the


Bank Merw Act, 12 U.S.C._ 182~.L__________ -------

Dear Mr. :Hurwitz:


On behalf of our client, Goldman Sachs Bank USA (Lhe "_fil2Qlif:(!l1(). 'A1:'
hereby respectfully submit to the Board of Governors of the Federal Reserve System (the
"Boan;!'') an application (the "Application") pursuant to the BatL1< fv1ergcr !-\ct, 12
U.S.C. 1828(c), with respect to Applicant's acquisition by purchase and ::1~~.sumpum-,
certain deposit liabilities and certain very limited non--financial assets of GF Capital
Bank, a Utah state-chartered non-member industrial bank.
Our submission consists of the following:

Six copies (including an original copy) of the App;ic<ition by;


Applicant (separately bound);
Six copies of a public redacted version of the Applicc.< 1.!c,:1
(separately bound);
Six copies of the public exhibits to the Appl.ication
bound); and

(sepa:;,;~'.) .'

Federal Reserve Bank of New York

Six copies of the confidential exhibits to the Application


(separately bound) (together with the Application, the
"Confidential Materials").

Confidential Treatment Request


Pursuant to the Freedom of Information Act, 5 U.S.C. 552, and
regulations promulgated by the Board pursuant thereto, 12 C.F.R. Part 261, we hereby
respectfully request that the Confidential Materials be treated confidentially and not be
made available for inspection or copying. 1 The Confidential Materials have been marked
"Confidential Treatment Requested." The Confidential Materials include nonpublic
commercial or financial information that is privileged or confidential within the meaning
of Section 261.14(a)(4) of the Board's regulations or that is otherwise exempt from
disclosure under Section 261.14(a) of the Board's regulations, the disclosure of which
would cause significant harm to the Applicant and its affiliates.
At this point in time, the Confidential Materials will not be publiciy
disclosed and are not required to be publicly disclosed. Disclosure of this information
would reveal to competitors the internal strategies, transactions and competitive position
of the Applicant and would place the Applicant at a competitive disadvantage with
respect to its competitors who do not publicly reveal such information. For these reasons,
the Applicant believes that the Confidential Materials are privileged or confidential
within the meaning of 12 C.F.R. 261.14(a)(4).
In addition, we request, pursuant to the Freedom of Information Act and
the applicable Board regulations and for reasons including those set forth above. that any
memoranda, notes or other writings of any kind whatsoever made by an employee, agent
or any person under the control of the Board or any Federal Reserve Bank (or any other
governmental agency) that incorporate, include or relate to any of the matters referred :o
in the Confidential Materials (i) furnished by the Applicant, its affiliates or their
employees or agents to the Board or any Federal Reserve Bank (or any other
Under 5 U.S.C. 552(b)(4), information that a private party has provided to a government agency
is exempt from disclosure if it consists of "trade secrets and commercial or financial information
obtained from a person and privileged or confidential." Accord 12 C.F.R 26 l .14(a)(4). It is
well established that this exemption protects confidential trade secrets and commercial and
financial information from disclosure if such disclosure would be "likely ... to cause substautid!
competitive harm to the competitive position of the person from whom the info1 rnarion was
obtained." National Parks & Conservation Ass'n v. Kleppe, 547 F.2d 673. 6T7-78 (D.C. Cir
1976). To establish such an exemption, the person seeking such an exemption need not show
certainty of competitive harm, but only a likelihood that such harm may occur. See .Q..l:0J &
Western Indus. v. United States, 615 F.2d 527, 530 (D.C. Cir. 1979).

Federal Reserve Bank of New York

-3-

governmental agency) or (ii) referred to in any conference, meeting, telephone


conversation or interview between (a) employees, former employees, representatives,
agents or counsel of the Applicant and (b) employees, agents or any persons under the
control of the Board or any Federal Reserve Bank, be maintained in confidence, not be
made of any public record and not be disclosed to any person.
We also request that, if the Board should make a preliminary
determination not to comply with the foregoing requests for confidential treatment, the
Applicant be given notice thereof in ample time to pern1it the Applicant to make an
appropriate submission as to why such information should be preserved in confidence. If
the Confidential Materials or any of such memoranda, notes or writings, are the subject of
a Freedom of Information Act request or a request or demand for disclosure by any
governmental agency, Congressional office or committee, court or grand jury, we
request, pursuant to the Board's regulations, that you notify the Applicant prior to making
such disclosure. We further ask that the Applicant be furnished with a copy of all written
materials pertaining to such request (including but not limited to the request itself and any
determination with respect to such request) and that the Applicant be given sufficient
advance notice of any intended release so that it may, if deemed necessary or appropriate,
pursue any available remedies.

-4-

Federal Reserve Bank of New York

If you have any questions or comments with respect to any of the matters
discussed in this letter or in the documents enclosed herewith, please feel free Lo comact
the undersigned at (212)-558-3721 or escuem@sullcrom.com, or Jason J. Cabral at
(212)-558-7370 or cabralj@sullcrom.com.

Very truly yours,

Michael T. Escue
(Enclosures)
cc:

Rosanne Notaro
Brian Steffey
Vivian Liu
Daniel Sullivan
(Federal Reserve Bank of New York)
Esta Stecher
Stephen SchenMatt Fremont-Smith
Carey Halio
Una Neary
Steve Elia
Thomas S. Riggs
Rosemary Spaziani
(Goldman Sachs Bank USA)
H. Rodgin Cohen
Michael M. Wiseman
Jason J. Cabral
(Sullivan & Cromwell LLP)

PUBLIC REDACTED VERSION

PUBLIC REDACTED VERSION


OF THE

CONFIDENTIAL APPLICATION
PURSUANT TO

THE
BANK MERGER ACT
12 U.S.C. 1828(c)

SUBMITTED TO THE
BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM

FOR THE
PURCHASE AND ASSUMPTION TRANSACTION

BY ANDA...\10NG
GOLDMAN SACHS BANK USA
200 West Street
New York, New York 10282
GE CAPITAL BANK
6510 Millrock Drive, Suite #200
Holladay, Utah 84121
AND
GENERAL ELECTRIC CAPITAL CORPORATION
901 Main Ave
Norwalk, CT 06851
Submitted
August 19, 2015

SC l :393019:5. l

PUBLIC EXHIBITS

TO THE
CONFIDENTIAL APPLICATION

PURSUANT TO
THE
BANK MERGER ACT
12 U.S.C. 1828(c)
SUBMITTED TO THE
BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM

FOR THE
PURCHASE AND ASSUMPTION TRANSACTION

BYANDAMONG
GOLDMAN SACHS BANK USA
200 West Street
New York, New York 10282
GE CAPITAL BANK
6510 Millrock Drive, Suite #200
Holladay, Utah 84121

AND
GENERAL ELECTRIC CAPITAL CORPORATION
901 Main Ave
Norwalk, CT 06851
Submitted
August 19, 2015

SC1:3928381.1

PUBLIC EXHIBITS
Public Exhibit 1

Goldman Sachs Bank USAs Call Report for the quarter ended
June 30, 2015

Public Exhibit 2

GE Capital Banks Call Report for the quarter ended June 30, 2015

Public Exhibit 3

Approval of The Goldman Sachs Group, Inc. as Sole Shareholder


of Goldman Sachs Bank USA

Public Exhibit 4

Competition Supplement

Public Exhibit 5

Goldman Sachs Bank USAs Community Reinvestment Act


Performance Evaluation, dated November 5, 2012

Public Exhibit 6

Form of Newspaper Notice

Public Exhibit 7

List of Directors and Senior Executive Officers of Goldman Sachs


Bank USA

SC1:3928381.1

PUBLIC EXHIBIT 1
Goldman Sachs Bank USAs Call Report for the quarter ended June 30, 2015

SC1:3928381.1

Board of Governors of the Federal Reserve System


Federal Deposit Insurance Corporation
Office of the Comptroller of the Currency

Federal Financial Institutions Examination Council


1

Consolidated Reports of Condition and Income for A Bank With


Domestic and Foreign Offices - FFIEC 031
Institution Name

GOLDMAN SACHS BANK USA

City

NEW YORK

State

NY

Zip Code

10282

Call Report Quarter End Date

6/30/2015

Report Type

031

RSSD-ID

2182786

FDIC Certificate Number

33124

OCC Charter Number

ABA Routing Number

26014601

Last updated on

7/30/2015

Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency
Legend: NR - Not Reported, CONF - Confidential

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
2

Bank Demographic Information


Dollar amounts in thousands

1. Reporting date....................................................................................................................
2. FDIC certificate number.....................................................................................................
3. Legal title of bank...............................................................................................................
4. City.....................................................................................................................................
5. State abbreviation...............................................................................................................
6. Zip code..............................................................................................................................

20150630 1.
33124 2.

RCON9999
RSSD9050
RSSD9017

Goldman Sachs
Bank, USA

3.

RSSD9130

New York

4.

RSSD9200

NY

5.

RSSD9220

10282

6.

Contact Information
Dollar amounts in thousands

1. Contact Information for the Reports of Condition and Income


a. Chief Financial Officer (or Equivalent) Signing the Reports
1. Name.......................................................................................................................
2. Title..........................................................................................................................
3. E-mail Address........................................................................................................
4. Telephone................................................................................................................
5. FAX.........................................................................................................................
b. Other Person to Whom Questions about the Reports Should be Directed
1. Name.......................................................................................................................
2. Title..........................................................................................................................
3. E-mail Address........................................................................................................
4. Telephone................................................................................................................
5. FAX.........................................................................................................................
2. Person to whom questions about Schedule RC-T - Fiduciary and Related Services should
be directed
a. Name and Title..............................................................................................................
b. E-mail Address..............................................................................................................
c. Telephone......................................................................................................................
d. FAX...............................................................................................................................
3. Emergency Contact Information
a. Primary Contact
1. Name.......................................................................................................................
2. Title..........................................................................................................................
3. E-mail Address........................................................................................................
4. Telephone................................................................................................................
5. FAX.........................................................................................................................
b. Secondary Contact
1. Name.......................................................................................................................
2. Title..........................................................................................................................
3. E-mail Address........................................................................................................
4. Telephone................................................................................................................
5. FAX.........................................................................................................................
4. USA PATRIOT Act Section 314(a) Anti-Money Laundering Contact Information
a. Primary Contact
1. Name.......................................................................................................................
2. Title..........................................................................................................................
3. E-mail Address........................................................................................................
4. Telephone................................................................................................................
b. Secondary Contact

1.
1.a.

TEXTC490
TEXTC491

CONF 1.a.1.
CONF 1.a.2.

TEXTC493

CONF 1.a.3.
CONF 1.a.4.

TEXTC494

CONF 1.a.5.

TEXTC495

CONF 1.b.1.
CONF 1.b.2.

TEXTC492

1.b.

TEXTC496

TEXT8902

CONF 1.b.3.
CONF 1.b.4.

TEXT9116

CONF 1.b.5.

TEXTB962

CONF 2.a.
CONF 2.b.

TEXT4086

2.

TEXTB926
TEXTB963
TEXTB964

CONF 2.c.
CONF 2.d.
3.
3.a.

TEXTC366
TEXTC367

CONF 3.a.1.
CONF 3.a.2.

TEXTC369

CONF 3.a.3.
CONF 3.a.4.

TEXTC370

CONF 3.a.5.

TEXTC371

CONF 3.b.1.
CONF 3.b.2.

TEXTC368

3.b.

TEXTC372

TEXTC374

CONF 3.b.3.
CONF 3.b.4.

TEXTC375

CONF 3.b.5.

TEXTC373

4.
4.a.

TEXTC437
TEXTC438
TEXTC439
TEXTC440

CONF 4.a.1.
CONF 4.a.2.
CONF 4.a.3.
CONF 4.a.4.
4.b.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
3

Dollar amounts in thousands

1. Name.......................................................................................................................
2. Title..........................................................................................................................
3. E-mail Address........................................................................................................
4. Telephone................................................................................................................
c. Third Contact
1. Name.......................................................................................................................
2. Title..........................................................................................................................
3. E-mail Address........................................................................................................
4. Telephone................................................................................................................
d. Fourth Contact
1. Name.......................................................................................................................
2. Title..........................................................................................................................
3. E-mail Address........................................................................................................
4. Telephone................................................................................................................

TEXTC442
TEXTC443
TEXTC444
TEXTC445

CONF 4.b.1.
CONF 4.b.2.
CONF 4.b.3.
CONF 4.b.4.
4.c.

TEXTC870
TEXTC871
TEXTC872
TEXTC873

CONF 4.c.1.
CONF 4.c.2.
CONF 4.c.3.
CONF 4.c.4.
4.d.

TEXTC875
TEXTC876
TEXTC877
TEXTC878

CONF 4.d.1.
CONF 4.d.2.
CONF 4.d.3.
CONF 4.d.4.

Optional Narrative Statement Concerning the Amounts Reported in the Reports of


Condition and Income
Dollar amounts in thousands

1. Comments?........................................................................................................................
2. Bank Management Statement............................................................................................

RCON6979

No 1.

TEXT6980

2.

Schedule RI - Income Statement


Dollar amounts in thousands

1. Interest income:
a. Interest and fee income on loans:
1. In domestic offices:
a. Loans secured by real estate:
1. Loans secured by 1-4 family residential properties......................................
2. All other loans secured by real estate..........................................................
b. Loans to finance agricultural production and other loans to farmers.................
c. Commercial and industrial loans.......................................................................
d. Loans to individuals for household, family, and other personal expenditures:
1. Credit cards.................................................................................................
2. Other (includes revolving credit plans other than credit cards, automobile
loans, and other consumer loans)...................................................................
e. Loans to foreign governments and official institutions.......................................
f. All other loans in domestic offices......................................................................
2. In foreign offices, Edge and Agreement subsidiaries, and IBFs..............................
3. Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(2)).....
b. Income from lease financing receivables......................................................................
c. Interest income on balances due from depository institutions......................................
d. Interest and dividend income on securities:
1. U.S. Treasury securities and U.S. Government agency obligations (excluding
mortgage-backed securities).......................................................................................
2. Mortgage-backed securities....................................................................................
3. All other securities (includes securities issued by states and political subdivisions
in the U.S.)..................................................................................................................
e. Interest income from trading assets..............................................................................

1.
1.a.
1.a.1.
1.a.1.a.

RIAD4435
RIAD4436

75,000 1.a.1.a.1.
95,000 1.a.1.a.2.

RIAD4024

0 1.a.1.b.

RIAD4012

198,000 1.a.1.c.

RIADB485

0 1.a.1.d.1.

1.a.1.d.

RIADB486

13,000
1.a.1.d.2.

RIAD4056
RIADB487

0 1.a.1.e.
201,000 1.a.1.f.

RIAD4059

0 1.a.2.

RIAD4010
RIAD4065

582,000 1.a.3.
0 1.b.

RIAD4115

60,000 1.c.
1.d.

RIADB488

RIADB489

0 1.d.2.

RIAD4060

1.d.1.

1.d.3.

RIAD4069

264,000 1.e.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
4

Dollar amounts in thousands

f. Interest income on federal funds sold and securities purchased under agreements to
resell.................................................................................................................................
g. Other interest income...................................................................................................
h. Total interest income (sum of items 1.a.(3) through 1.g)...............................................
2. Interest expense:
a. Interest on deposits:
1. Interest on deposits in domestic offices:
a. Transaction accounts (interest-bearing demand deposits, NOW accounts, ATS
accounts, and telephone and preauthorized transfer accounts)............................
b. Nontransaction accounts:
1. Savings deposits (includes MMDAs)...........................................................
2. Time deposits of $100,000 or more.............................................................
3. Time deposits of less than $100,000...........................................................
2. Interest on deposits in foreign offices, Edge and Agreement subsidiaries, and
IBFs.............................................................................................................................
b. Expense of federal funds purchased and securities sold under agreements to
repurchase........................................................................................................................
c. Interest on trading liabilities and other borrowed money...............................................
d. Interest on subordinated notes and debentures...........................................................
e. Total interest expense (sum of items 2.a through 2.d)..................................................
3. Net interest income (item 1.h minus 2.e)............................................................................
4. Provision for loan and lease losses....................................................................................
5. Noninterest income:
a. Income from fiduciary activities.....................................................................................
b. Service charges on deposit accounts in domestic offices.............................................
c. Trading revenue.............................................................................................................
d. Not available
1. Fees and commissions from securities brokerage..................................................
2. Investment banking, advisory, and underwriting fees and commissions.................
3. Fees and commissions from annuity sales.............................................................
4. Underwriting income from insurance and reinsurance activities.............................
5. Income from other insurance activities....................................................................
e. Venture capital revenue.................................................................................................
f. Net servicing fees..........................................................................................................
g. Net securitization income..............................................................................................
h. Not applicable
i. Net gains (losses) on sales of loans and leases............................................................
j. Net gains (losses) on sales of other real estate owned.................................................
k. Net gains (losses) on sales of other assets (excluding securities)................................
l. Other noninterest income...............................................................................................
m. Total noninterest income (sum of items 5.a through 5.l)..............................................
6. Not available
a. Realized gains (losses) on held-to-maturity securities.................................................
b. Realized gains (losses) on available-for-sale securities................................................
7. Noninterest expense:
a. Salaries and employee benefits....................................................................................
b. Expenses of premises and fixed assets (net of rental income) (excluding salaries and
employee benefits and mortgage interest).......................................................................
c. Not available
1. Goodwill impairment losses....................................................................................
2. Amortization expense and impairment losses for other intangible assets..............
d. Other noninterest expense............................................................................................

RIAD4020

21,000
1.f.

RIAD4518
RIAD4107

36,000 1.g.
963,000 1.h.
2.
2.a.
2.a.1.

RIAD4508

1,000
2.a.1.a.
2.a.1.b.

RIADA517

52,000 2.a.1.b.1.
8,000 2.a.1.b.2.

RIADA518

109,000 2.a.1.b.3.

RIAD4172

RIAD0093

2.a.2.

RIAD4180

-1,000

RIAD4185

93,000 2.c.
20,000 2.d.

2.b.

RIAD4200

RIAD4074

282,000 2.e.
681,000 3.

RIAD4230

5,000 4.

RIAD4070

RIAD4073

5.

RIAD4080

19,000 5.a.
0 5.b.

RIADA220

323,000 5.c.

RIADC886

0 5.d.1.
166,000 5.d.2.

5.d.

RIADC888
RIADC887
RIADC386
RIADC387
RIADB491
RIADB492
RIADB493

0 5.d.3.
0 5.d.4.
0 5.d.5.
0 5.e.
0 5.f.
0 5.g.
5.h.

RIAD5416
RIAD5415

14,000 5.i.
0 5.j.

RIADB497

0 5.k.
458,000 5.l.

RIAD4079

980,000 5.m.

RIAD3521
RIAD3196

0 6.a.
0 6.b.

RIAD4135

99,000 7.a.

RIADB496

6.

7.

RIAD4217

3,000
7.b.
7.c.

RIADC216
RIADC232
RIAD4092

0 7.c.1.
0 7.c.2.
417,000 7.d.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
5

Dollar amounts in thousands

e. Total noninterest expense (sum of items 7.a through 7.d)............................................


8. Income (loss) before income taxes and extraordinary items and other adjustments (item
3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e).....................................................................
9. Applicable income taxes (on item 8)...................................................................................
10. Income (loss) before extraordinary items and other adjustments (item 8 minus item 9)...
11. Extraordinary items and other adjustments, net of income taxes.....................................
12. Net income (loss) attributable to bank and noncontrolling (minority) interests (sum of
items 10 and 11).....................................................................................................................
13. LESS: Net income (loss) attributable to noncontrolling (minority) interests (if net income,
report as a positive value; if net loss, report as a negative value)..........................................
14. Net income (loss) attributable to bank (item 12 minus item 13).......................................
1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired after
August 7, 1986, that is not deductible for federal income tax purposes.................................
2. Income from the sale and servicing of mutual funds and annuities in domestic offices
(included in Schedule RI, item 8)...........................................................................................
3. Income on tax-exempt loans and leases to states and political subdivisions in the U.S.
(included in Schedule RI, items 1.a and 1.b)..........................................................................
4. Income on tax-exempt securities issued by states and political subdivisions in the U.S.
(included in Schedule RI, item 1.d.(3))...................................................................................
5. Number of full-time equivalent employees at end of current period (round to nearest whole
number)..................................................................................................................................
6. Not applicable
7. If the reporting bank has restated its balance sheet as a result of applying push down
accounting this calendar year, report the date of the bank's acquisition................................
8. Trading revenue (from cash instruments and derivative instruments) (sum of Memorandum
items 8.a through 8.e must equal Schedule RI, item 5.c):
a. Interest rate exposures.................................................................................................
b. Foreign exchange exposures........................................................................................
c. Equity security and index exposures.............................................................................
d. Commodity and other exposures..................................................................................
e. Credit exposures...........................................................................................................
f. Impact on trading revenue of changes in the creditworthiness of the bank's derivatives
counterparties on the bank's derivative assets (included in Memorandum items 8.a
through 8.e above)............................................................................................................
g. Impact on trading revenue of changes in the creditworthiness of the bank on the bank's
derivative liabilities (included in Memorandum items 8.a through 8.e above)...................
9. Net gains (losses) recognized in earnings on credit derivatives that economically hedge
credit exposures held outside the trading account:
a. Net gains (losses) on credit derivatives held for trading...............................................
b. Net gains (losses) on credit derivatives held for purposes other than trading..............
10. Credit losses on derivatives (see instructions).................................................................
11. Does the reporting bank have a Subchapter S election in effect for federal income tax
purposes for the current tax year?.........................................................................................
12. Noncash income from negative amortization on closed-end loans secured by 1-4 family
residential properties (included in Schedule RI, item 1.a.(1)(a)(1))........................................
13. Net gains (losses) recognized in earnings on assets and liabilities that are reported at
fair value under a fair value option:
a. Net gains (losses) on assets.........................................................................................
1. Estimated net gains (losses) on loans attributable to changes in instrument-specific
credit risk.....................................................................................................................
b. Net gains (losses) on liabilities......................................................................................
1. Estimated net gains (losses) on liabilities attributable to changes in
instrument-specific credit risk.....................................................................................

RIAD4093
RIAD4301

519,000 7.e.
1,137,000
8.

RIAD4300

430,000 9.
707,000 10.

RIAD4320

0 11.

RIAD4302

RIADG104

707,000
12.

RIADG103

2,000

RIAD4340

705,000 14.

13.

RIAD4513

0
M.1.

RIAD8431

0
M.2.

RIAD4313

0
M.3.

RIAD4507

0
M.4.

RIAD4150

393
M.5.
M.6.

RIAD9106

0
M.7.
M.8.

RIAD8757
RIAD8758

-684,000 M.8.a.
956,000 M.8.b.

RIAD8760

-7,000 M.8.c.
4,000 M.8.d.

RIADF186

54,000 M.8.e.

RIAD8759

RIADK090

-13,000
M.8.f.

RIADK094

0
M.8.g.
M.9.

RIADC890

0 M.9.a.
-62,000 M.9.b.

RIADA251

0 M.10.

RIADC889

RIADA530

No
M.11.

RIADF228

NR
M.12.
M.13.

RIADF551

202,000 M.13.a.

RIADF552

201,000

RIADF553

156,000 M.13.b.

RIADF554

118,000

M.13.a.1.

M.13.b.1.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
6

Dollar amounts in thousands

14. Other-than-temporary impairment losses on held-to-maturity and available-for-sale debt


securities:
a. Total other-than-temporary impairment losses..............................................................
b. Portion of losses recognized in other comprehensive income (before income taxes)...
c. Net impairment losses recognized in earnings (included in Schedule RI, items 6.a and
6.b) (Memorandum item 14.a minus Memorandum item 14.b).........................................
15. Components of service charges on deposit accounts in domestic offices (sum of
Memorandum items 15.a through 15.d must equal Schedule RI, item 5.b):
a. Consumer overdraft-related service charges levied on those transaction account and
nontransaction savings account deposit products intended primarily for individuals for
personal, household, or family use...................................................................................
b. Consumer account periodic maintenance charges levied on those transaction account
and nontransaction savings account deposit products intended primarily for individuals
for personal, household, or family use..............................................................................
c. Consumer customer automated teller machine (ATM) fees levied on those transaction
account and nontransaction savings account deposit products intended primarily for
individuals for personal, household, or family use............................................................
d. All other service charges on deposit accounts.............................................................

M.14.

RIADJ320

0 M.14.a.
0 M.14.b.

RIADJ321

RIADJ319

M.14.c.
M.15.

RIADH032

NR
M.15.a.

RIADH033

NR
M.15.b.

RIADH034

NR

RIADH035

NR M.15.d.

M.15.c.

Schedule RI-A - Changes in Bank Equity Capital


Dollar amounts in thousands

1. Total bank equity capital most recently reported for the December 31, 2014, Reports of
Condition and Income (i.e., after adjustments from amended Reports of Income)................
2. Cumulative effect of changes in accounting principles and corrections of material accounting
errors......................................................................................................................................
3. Balance end of previous calendar year as restated (sum of items 1 and 2).......................
4. Net income (loss) attributable to bank (must equal Schedule RI, item 14).........................
5. Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stock
transactions)...........................................................................................................................
6. Treasury stock transactions, net.........................................................................................
7. Changes incident to business combinations, net...............................................................
8. LESS: Cash dividends declared on preferred stock...........................................................
9. LESS: Cash dividends declared on common stock............................................................
10. Other comprehensive income...........................................................................................
11. Other transactions with stockholders (including a parent holding company) (not included
in items 5, 6, 8, or 9 above)....................................................................................................
12. Total bank equity capital end of current period (sum of items 3 through 11) (must equal
Schedule RC, item 27.a)........................................................................................................

RIAD3217

21,503,000
1.

RIADB507

0
2.

RIADB508
RIAD4340

21,503,000 3.
705,000 4.

RIADB509

RIADB510

0 6.
0 7.

5.

RIAD4356

RIAD4460

0 8.
0 9.

RIADB511

0 10.

RIAD4415

RIAD4470

11.

RIAD3210

22,208,000
12.

Schedule RI-B Part I - Charge-offs and Recoveries on Loans and Leases


Dollar amounts in thousands

1. Loans secured by real estate:


a. Construction, land development, and other land loans in domestic
offices:
1. 1-4 family residential construction loans....................................
2. Other construction loans and all land development and other
land loans......................................................................................
b. Secured by farmland in domestic offices.........................................
c. Secured by 1-4 family residential properties in domestic offices:
1. Revolving, open-end loans secured by 1-4 family residential
properties and extended under lines of credit...............................

(Column A) Charge-offs (Column B) Recoveries


Calendar year-to-date
Calendar year-to-date
1.
1.a.

RIADC891

0 RIADC892

0 1.a.1.

RIADC893

0 RIADC894

RIAD3584

0 1.b.

1.a.2.

RIAD3585

1.c.

RIAD5411

RIAD5412

0
1.c.1.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
7

Dollar amounts in thousands

2. Closed-end loans secured by 1-4 family residential properties:


a. Secured by first liens............................................................
b. Secured by junior liens.........................................................
d. Secured by multifamily (5 or more) residential properties in domestic
offices..................................................................................................
e. Secured by nonfarm nonresidential properties in domestic offices:
1. Loans secured by owner-occupied nonfarm nonresidential
properties......................................................................................
2. Loans secured by other nonfarm nonresidential properties.......
f. In foreign offices...............................................................................
2. Loans to depository institutions and acceptances of other banks:
a. To U.S. banks and other U.S. depository institutions.......................
b. To foreign banks...............................................................................
3. Loans to finance agricultural production and other loans to farmers.....
4. Commercial and industrial loans:
a. To U.S. addressees (domicile).........................................................
b. To non-U.S. addressees (domicile)..................................................
5. Loans to individuals for household, family, and other personal
expenditures:
a. Credit cards.....................................................................................
b. Automobile loans.............................................................................
c. Other (includes revolving credit plans other than credit cards and
other consumer loans)........................................................................
6. Loans to foreign governments and official institutions..........................
7. All other loans.......................................................................................
8. Lease financing receivables:
a. Leases to individuals for household, family, and other personal
expenditures........................................................................................
b. All other leases................................................................................
9. Total (sum of items 1 through 8)............................................................
1. Loans to finance commercial real estate, construction, and land
development activities (not secured by real estate) included in Schedule
RI-B, part I, items 4 and 7, above.............................................................
2. Loans secured by real estate to non-U.S. addressees (domicile)
(included in Schedule RI-B, part I, item 1, above)....................................
3. Not applicable

(Column A) Charge-offs (Column B) Recoveries


Calendar year-to-date
Calendar year-to-date
1.c.2.

RIADC234

0 RIADC217

RIADC235

0 RIADC218

0 1.c.2.a.
0 1.c.2.b.

RIAD3588

RIAD3589

1.d.
1.e.

RIADC895

0 RIADC896

RIADC897

0 RIADC898

RIADB512

0 RIADB513

0 1.e.2.
0 1.f.

RIAD4653

RIAD4663

RIAD4654

RIAD4664

0 2.a.
0 2.b.

RIAD4655

RIAD4665

0 3.

RIAD4645

RIAD4617

RIAD4646

RIAD4618

0 4.a.
0 4.b.

RIADB514

0 RIADB515

RIADK129

0 RIADK133

0 5.a.
0 5.b.

RIADK205

0 RIADK206

RIAD4643

RIAD4627

RIAD4644

1,000

RIAD4628

0 6.
0 7.

1.e.1.

2.

4.

5.

5.c.

8.

RIADF185

0 RIADF187

RIADC880

0 RIADF188

8.a.

RIAD4635

1,000

RIAD4605

0 8.b.
0 9.

RIAD5409

RIAD5410

0
M.1.

RIAD4652

RIAD4662

M.2.
M.3.

Schedule RI-B Part I - Charge-offs and Recoveries on Loans and Leases


Dollar amounts in thousands

4. Uncollectible retail credit card fees and finance charges reversed against income (i.e.,
not included in charge-offs against the allowance for loan and lease losses)........................

RIADC388
M.4.

Schedule RI-B Part II - Changes in Allowance for Loan and Lease Losses
Dollar amounts in thousands

1. Balance most recently reported for the December 31, 2014, Reports of Condition and
Income (i.e., after adjustments from amended Reports of Income).......................................
2. Recoveries (must equal part I, item 9, column B, above)...................................................
3. LESS: Charge-offs (must equal part I, item 9, column A, above less Schedule RI-B, part
II, item 4)................................................................................................................................
4. LESS: Write-downs arising from transfers of loans to a held-for-sale account...................

RIADB522

137,000
1.

RIAD4605
RIADC079

0 2.
1,000
3.

RIAD5523

0 4.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
8

Dollar amounts in thousands

5. Provision for loan and lease losses (must equal Schedule RI, item 4)...............................
6. Adjustments (see instructions for this schedule)................................................................
7. Balance end of current period (sum of items 1, 2, 5, and 6, less items 3 and 4) (must equal
Schedule RC, item 4.c)..........................................................................................................
1. Allocated transfer risk reserve included in Schedule RI-B, part II, item 7, above...............
2. Separate valuation allowance for uncollectible retail credit card fees and finance charges.
3. Amount of allowance for loan and lease losses attributable to retail credit card fees and
finance charges......................................................................................................................
4. Amount of allowance for post-acquisition credit losses on purchased credit-impaired loans
accounted for in accordance with FASB ASC 310-30 (former AICPA Statement of Position
03-3) (included in Schedule RI-B, Part II, item 7, above).......................................................

RIAD4230
RIADC233
RIAD3123

5,000 5.
0 6.
141,000
7.

RIADC435

0 M.1.

RIADC389

M.2.

RIADC390
M.3.

RIADC781

0
M.4.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
9

Schedule RI-C - Disaggregated Data on the Allowance for Loan and Lease Losses
(Column A)
Recorded
Investment:
Individually
Evaluated for
Impairment and
Determined to
be Impaired
Dollar amounts in thousands (ASC 310-10-35)

(Column B)
(Column C)
Allowance
Recorded
Balance:
Investment:
Individually
Collectively
Evaluated for Evaluated for
Impairment and Impairment
Determined to (ASC 450-20)
be Impaired
(ASC 310-10-35)

(Column D)
(Column E)
(Column F)
Allowance
Recorded
Allowance
Balance:
Investment:
Balance:
Collectively
Purchased
Purchased
Evaluated for Credit-Impaired Credit-Impaired
Impairment
Loans (ASC
Loans (ASC
(ASC 450-20)
310-30)
310-30)

1. Real estate loans:

1.

RCFDM708

a. Construction loans.................................................................

RCFDM709

0
RCFDM714

b. Commercial real estate loans................................................

37,000

6,000

0
25,000

3. Credit cards.................................................................................

0
5,000

4. Other consumer loans.................................................................

2,703,000

0
0

1,433,000

0 1.c.
RCFDM732

RCFDM737

RCFDM742

0 1.b.
RCFDM726

RCFDM731

113,000

0 1.a.
RCFDM720

RCFDM736

RCFDM741

RCFDM725

RCFDM730

27,933,000

RCFDM713

RCFDM719

11,000

79,000

6,000

RCFDM724

RCFDM735

RCFDM740

RCFDM712

RCFDM717

RCFDM729

RCFDM734

RCFDM739

828,000

RCFDM723

RCFDM728

RCFDM733

RCFDM711

RCFDM716

RCFDM722

RCFDM727

2. Commercial loans........................................................................

0
RCFDM715

RCFDM721

c. Residential real estate loans..................................................

RCFDM710

0 2.
RCFDM738

0
RCFDM743

0 3.
RCFDM744

0 4.

RCFDM745

5. Unallocated, if any.......................................................................

0
RCFDM746

6. Total (for each column, sum of items 1.a through 5)....................

62,000

RCFDM747

11,000

RCFDM748

32,976,000

RCFDM749

130,000

5.

RCFDM750

RCFDM751

0 6.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
10

Schedule RI-D - Income from Foreign Offices


Dollar amounts in thousands

1. Total interest income in foreign offices................................................................................


2. Total interest expense in foreign offices..............................................................................
3. Provision for loan and lease losses in foreign offices.........................................................
4. Noninterest income in foreign offices:
a. Trading revenue.............................................................................................................
b. Investment banking, advisory, brokerage, and underwriting fees and commissions.....
c. Net securitization income..............................................................................................
d. Other noninterest income.............................................................................................
5. Realized gains (losses) on held-to-maturity and available-for-sale securities in foreign
offices.....................................................................................................................................
6. Total noninterest expense in foreign offices........................................................................
7. Adjustments to pretax income in foreign offices for internal allocations to foreign offices
to reflect the effects of equity capital on overall bank funding costs.......................................
8. Applicable income taxes (on items 1 through 7).................................................................
9. Extraordinary items and other adjustments, net of income taxes, in foreign offices...........
10. Net income attributable to foreign offices before internal allocations of income and expense
(item 1 plus or minus items 2 through 9)................................................................................
11. Not applicable
12. Eliminations arising from the consolidation of foreign offices with domestic offices.........
13. Consolidated net income attributable to foreign offices (sum of items 10 and 12)...........

RIADC900

0 1.
0 2.

RIADC901

0 3.

RIADC902

0 4.a.
0 4.b.

RIADC899

4.

RIADC903

RIADC905

0 4.c.
0 4.d.

RIADC906

RIADC907

0 6.

RIADC908

RIADC909
RIADC910

0 8.
0 9.

RIADC911

RIADC904

5.

7.

10.
11.

0 12.
0 13.

RIADC913
RIADC914

Schedule RI-E - Explanations


Dollar amounts in thousands

1. Other noninterest income (from Schedule RI, item 5.l) Itemize and describe amounts
greater than $25,000 that exceed 3% of Schedule RI, item 5.l:
a. Income and fees from the printing and sale of checks..................................................
b. Earnings on/increase in value of cash surrender value of life insurance......................
c. Income and fees from automated teller machines (ATMs)............................................
d. Rent and other income from other real estate owned...................................................
e. Safe deposit box rent....................................................................................................
f. Net change in the fair values of financial instruments accounted for under a fair value
option................................................................................................................................
g. Bank card and credit card interchange fees.................................................................
h. Gains on bargain purchases.........................................................................................
i. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
j. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
k. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
2. Other noninterest expense (from Schedule RI, item 7.d) Itemize and describe amounts
greater than $25,000 that exceed 3% of Schedule RI, item 7.d:
a. Data processing expenses............................................................................................
b. Advertising and marketing expenses............................................................................
c. Directors' fees...............................................................................................................
d. Printing, stationery, and supplies..................................................................................

1.

0 1.a.
0 1.b.

RIADC013
RIADC014

RIAD4042

0 1.c.
0 1.d.

RIADC015

0 1.e.

RIADC016

RIADF229

369,000
1.f.

0 1.g.
0 1.h.

RIADF555
RIADJ447

1.i.

TEXT4461
RIAD4461

Click here for


value

1.i.1.

89,000 1.i.2.
1.j.

TEXT4462

1.j.1.

RIAD4462

0 1.j.2.
1.k.

TEXT4463

1.k.1.

RIAD4463

0 1.k.2.

RIADC017

0 2.a.
0 2.b.

2.

RIAD0497
RIAD4136
RIADC018

0 2.c.
0 2.d.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
11

Dollar amounts in thousands

e. Postage.........................................................................................................................
f. Legal fees and expenses...............................................................................................
g. FDIC deposit insurance assessments..........................................................................
h. Accounting and auditing expenses...............................................................................
i. Consulting and advisory expenses................................................................................
j. Automated teller machine (ATM) and interchange expenses.........................................
k. Telecommunications expenses.....................................................................................
l. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
m. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
n. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
3. Extraordinary items and other adjustments and applicable income tax effect (from Schedule
RI, item 11):
a. Disclose component, the gross dollar amount of that component, and its related income
tax:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
3. Applicable income tax effect....................................................................................
b. Disclose component, the gross dollar amount of that component, and its related income
tax:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
3. Applicable income tax effect....................................................................................
c. Disclose component, the gross dollar amount of that component, and its related income
tax:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
3. Applicable income tax effect....................................................................................
4. Cumulative effect of changes in accounting principles and corrections of material accounting
errors (from Schedule RI-A, item 2) (itemize and describe all such effects):
a. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
b. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
5. Other transactions with stockholders (including a parent holding company) (from Schedule
RI-A, item 11) (itemize and describe all such transactions):
a. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
b. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................

0 2.e.
0 2.f.

RIAD8403
RIAD4141
RIAD4146
RIADF556

CONF 2.g.
0 2.h.

RIADF558

0 2.i.
0 2.j.

RIADF559

0 2.k.

RIADF557

2.l.

TEXT4464
RIAD4464

Service fees

2.l.1.

288,000 2.l.2.
2.m.

TEXT4467
RIAD4467

Click here for


value

2.m.1.

41,000 2.m.2.
2.n.

TEXT4468
RIAD4468

Click here for


value

2.n.1.

36,000 2.n.2.
3.
3.a.

TEXT4469

3.a.1.

RIAD4469

0 3.a.2.
0 3.a.3.

RIAD4486

3.b.

TEXT4487

3.b.1.

RIAD4487

0 3.b.2.
0 3.b.3.

RIAD4488

3.c.

TEXT4489

3.c.1.

RIAD4489

0 3.c.2.
0 3.c.3.

RIAD4491

4.
4.a.

TEXTB526

4.a.1.

RIADB526

0 4.a.2.
4.b.

TEXTB527

4.b.1.

RIADB527

0 4.b.2.
5.
5.a.

TEXT4498

5.a.1.

RIAD4498

0 5.a.2.
5.b.

TEXT4499

5.b.1.

RIAD4499

0 5.b.2.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
12

Dollar amounts in thousands

6. Adjustments to allowance for loan and lease losses (from Schedule RI-B, part II, item 6)
(itemize and describe all adjustments):
a. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
b. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
7. Other explanations (the space below is provided for the bank to briefly describe, at its
option, any other significant items affecting the Report of Income):
a. Comments?..................................................................................................................
b. Other explanations........................................................................................................

6.
6.a.

TEXT4521

6.a.1.

RIAD4521

0 6.a.2.
6.b.

TEXT4522

6.b.1.

RIAD4522

0 6.b.2.
7.

RIAD4769

No 7.a.

TEXT4769

7.b.

RCFD0081

348,000 1.a.
38,402,000 1.b.

(TEXT4461) Miscellaneous income


(TEXT4467) Miscellaneous expense
(TEXT4468) Brokerage, clearance and exchange fees

Schedule RC - Balance Sheet


Dollar amounts in thousands

1. Cash and balances due from depository institutions (from Schedule RC-A):
a. Noninterest-bearing balances and currency and coin..................................................
b. Interest-bearing balances.............................................................................................
2. Securities:
a. Held-to-maturity securities (from Schedule RC-B, column A).......................................
b. Available-for-sale securities (from Schedule RC-B, column D).....................................
3. Federal funds sold and securities purchased under agreements to resell:
a. Federal funds sold in domestic offices..........................................................................
b. Securities purchased under agreements to resell.........................................................
4. Loans and lease financing receivables (from Schedule RC-C):
a. Loans and leases held for sale.....................................................................................
b. Loans and leases, net of unearned income..................................................................
c. LESS: Allowance for loan and lease losses..................................................................
d. Loans and leases, net of unearned income and allowance (item 4.b minus 4.c).........
5. Trading assets (from Schedule RC-D)................................................................................
6. Premises and fixed assets (including capitalized leases)...................................................
7. Other real estate owned (from Schedule RC-M)................................................................
8. Investments in unconsolidated subsidiaries and associated companies............................
9. Direct and indirect investments in real estate ventures......................................................
10. Intangible assets:
a. Goodwill........................................................................................................................
b. Other intangible assets (from Schedule RC-M)............................................................
11. Other assets (from Schedule RC-F).................................................................................
12. Total assets (sum of items 1 through 11)..........................................................................
13. Deposits:
a. In domestic offices (sum of totals of columns A and C from Schedule RC-E, part I).....
1. Noninterest-bearing.................................................................................................
2. Interest-bearing.......................................................................................................

1.

RCFD0071

2.

RCFD1754
RCFD1773

0 2.a.
0 2.b.
3.

RCONB987
RCFDB989

0 3.a.
3,086,000 3.b.
4.

RCFD5369
RCFDB528

2,138,000 4.a.
42,425,000 4.b.

RCFD3123

141,000 4.c.

RCFDB529

42,284,000 4.d.
25,139,000 5.

RCFD3545
RCFD2145
RCFD2150
RCFD2130
RCFD3656

0 6.
0 7.
1,000 8.
0 9.
10.

RCFD3163
RCFD0426

4,000 10.a.
0 10.b.

RCFD2160

11,279,000 11.

RCFD2170

122,681,000 12.
13.

RCON6631

77,838,000 13.a.
0 13.a.1.

RCON6636

77,838,000 13.a.2.

RCON2200

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
13

Dollar amounts in thousands

b. In foreign offices, Edge and Agreement subsidiaries, and IBFs (from Schedule RC-E,
part II)...............................................................................................................................
1. Noninterest-bearing.................................................................................................
2. Interest-bearing.......................................................................................................
14. Federal funds purchased and securities sold under agreements to repurchase:
a. Federal funds purchased in domestic offices................................................................
b. Securities sold under agreements to repurchase.........................................................
15. Trading liabilities (from Schedule RC-D)...........................................................................
16. Other borrowed money (includes mortgage indebtedness and obligations under capitalized
leases) (from Schedule RC-M)...............................................................................................
17. Not applicable
18. Not applicable
19. Subordinated notes and debentures................................................................................
20. Other liabilities (from Schedule RC-G).............................................................................
21. Total liabilities (sum of items 13 through 20).....................................................................
22. Not applicable
23. Perpetual preferred stock and related surplus..................................................................
24. Common stock..................................................................................................................
25. Surplus (exclude all surplus related to preferred stock)...................................................
26. Not available
a. Retained earnings.........................................................................................................
b. Accumulated other comprehensive income..................................................................
c. Other equity capital components..................................................................................
27. Not available
a. Total bank equity capital (sum of items 23 through 26.c)..............................................
b. Noncontrolling (minority) interests in consolidated subsidiaries...................................
28. Total equity capital (sum of items 27.a and 27.b).............................................................
29. Total liabilities and equity capital (sum of items 21 and 28)..............................................
1. Indicate in the box at the right the number of the statement below that best describes the
most comprehensive level of auditing work performed for the bank by independent external
auditors as of any date during 2014.......................................................................................
2. Bank's fiscal year-end date.................................................................................................

RCFN2200

285,000

RCFN6631

0 13.b.1.
285,000 13.b.2.

13.b.

RCFN6636

14.

RCFDB995

0 14.a.
7,657,000 14.b.

RCFD3548

5,810,000 15.

RCFD3190

1,760,000

RCONB993

16.
17.
18.

RCFD2930

2,000,000 19.
5,085,000 20.

RCFD2948

100,435,000 21.

RCFD3838
RCFD3230

0 23.
8,000,000 24.

RCFD3839

5,765,000 25.

RCFD3632
RCFDB530

8,443,000 26.a.
0 26.b.

RCFDA130

0 26.c.

RCFD3210

22,208,000 27.a.
38,000 27.b.

RCFD3200

22.

26.

27.

RCFD3000
RCFDG105
RCFD3300

22,246,000 28.
122,681,000 29.

RCFD6724

NR

RCON8678

NR M.2.

M.1.

Schedule RC-A - Cash and Balances Due From Depository Institutions


Dollar amounts in thousands

1. Cash items in process of collection, unposted debits, and currency and


coin...........................................................................................................
a. Cash items in process of collection and unposted debits................
b. Currency and coin...........................................................................
2. Balances due from depository institutions in the U.S............................
a. U.S. branches and agencies of foreign banks (including their
IBFs)....................................................................................................
b. Other commercial banks in the U.S. and other depository institutions
in the U.S. (including their IBFs)..........................................................
3. Balances due from banks in foreign countries and foreign central
banks........................................................................................................
a. Foreign branches of other U.S. banks.............................................
b. Other banks in foreign countries and foreign central banks............
4. Balances due from Federal Reserve Banks..........................................
5. Total.......................................................................................................

(Column A) Consolidated
Bank
RCFD0022

(Column B) Domestic
Offices

0
1.

RCON0020
RCON0080
RCON0082
RCFD0083

0 1.a.
0 1.b.
617,000 2.

0
2.a.

RCFD0085

617,000
2.b.

RCON0070

192,000
3.

RCFD0073

10,000

RCFD0074

183,000

RCFD0090

37,940,000 RCON0090

RCFD0010

38,750,000 RCON0010

3.a.
3.b.

37,940,000 4.
38,749,000 5.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
14

Schedule RC-B - Securities


Dollar amounts in thousands

(Column A)
Held-to-maturity
Amortized Cost

(Column B)
Held-to-maturity
Fair Value

(Column C)
Available-for-sale
Amortized Cost

(Column D)
Available-for-sale
Fair Value

RCFD0211

RCFD0213

RCFD1286

RCFD1287

1. U.S. Treasury securities........................................................................................

0 1.

2. U.S. Government agency obligations (exclude mortgage-backed securities):

2.

RCFD1289

a. Issued by U.S. Government agencies.............................................................

RCFD1290

0
RCFD1294

b. Issued by U.S. Government-sponsored agencies...........................................

0
RCFD1295

0
RCFD8496

3. Securities issued by states and political subdivisions in the U.S..........................

RCFD1291

0
RCFD1297

0
RCFD8497

RCFD1293

0 2.a.
RCFD1298

0
RCFD8498

0 2.b.
RCFD8499

0 3.

4. Mortgage-backed securities (MBS):

4.

a. Residential mortgage pass-through securities:

4.a.

RCFDG300

1. Guaranteed by GNMA...............................................................................

RCFDG301

0
RCFDG304

2. Issued by FNMA and FHLMC....................................................................

0
RCFDG305

0
RCFDG308

3. Other pass-through securities...................................................................

RCFDG302

0
RCFDG306

0
RCFDG309

RCFDG303

0 4.a.1.
RCFDG307

0
RCFDG310

0 4.a.2.
RCFDG311

0 4.a.3.

b. Other residential mortgage-backed securities (include CMOs, REMICs, and


stripped MBS):

4.b.

1. Issued or guaranteed by U.S. Government agencies or sponsored


agencies........................................................................................................

RCFDG312

2. Collateralized by MBS issued or guaranteed by U.S. Government agencies


or sponsored agencies..................................................................................

RCFDG316

RCFDG313

0
RCFDG317

0
RCFDG320

3. All other residential MBS...........................................................................

RCFDG314

0
RCFDG318

0
RCFDG321

RCFDG315

0 4.b.1.
RCFDG319

0
RCFDG322

0 4.b.2.
RCFDG323

0 4.b.3.

c. Commercial MBS:

4.c.

1. Commercial mortgage pass-through securities:

4.c.1.

RCFDK142

a. Issued or guaranteed by FNMA, FHLMC, or GNMA............................

RCFDK143

RCFDK144

RCFDK145

0 4.c.1.a.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
15

Dollar amounts in thousands

(Column A)
Held-to-maturity
Amortized Cost

(Column B)
Held-to-maturity
Fair Value

RCFDK146

b. Other pass-through securities..............................................................

RCFDK147

(Column C)
Available-for-sale
Amortized Cost

(Column D)
Available-for-sale
Fair Value

RCFDK148

RCFDK149

0 4.c.1.b.

2. Other commercial MBS:


a. Issued or guaranteed by U.S. Government agencies or sponsored
agencies..................................................................................................

4.c.2.

RCFDK150

RCFDK151

0
RCFDK154

b. All other commercial MBS....................................................................

RCFDK152

0
RCFDK155

RCFDK153

0
RCFDK156

0 4.c.2.a.
RCFDK157

0 4.c.2.b.

5. Asset-backed securities and structured financial products:

5.

RCFDC026

a. Asset-backed securities (ABS)........................................................................

RCFDC988

RCFDC989

RCFDC027

0 5.a.

b. Structured financial products:

5.b.

RCFDG336

1. Cash..........................................................................................................

RCFDG337

0
RCFDG340

2. Synthetic....................................................................................................

0
RCFDG341

0
RCFDG344

3. Hybrid........................................................................................................

RCFDG338

0
RCFDG342

0
RCFDG345

RCFDG339

0 5.b.1.
RCFDG343

0
RCFDG346

0 5.b.2.
RCFDG347

0 5.b.3.

6. Other debt securities:

6.

RCFD1737

a. Other domestic debt securities........................................................................

RCFD1738

0
RCFD1742

b. Other foreign debt securities...........................................................................

RCFD1739

0
RCFD1743

0
RCFD1744

0 6.a.
RCFD1746

0
RCFDA510

7. Investments in mutual funds and other equity securities with readily determinable
fair values..................................................................................................................
8. Total (sum of items 1 through 7) (total of column A must equal Schedule RC, item
2.a) (total of column D must equal Schedule RC, item 2.b)......................................

RCFD1741

0 6.b.
RCFDA511

0
RCFD1754

RCFD1771

RCFD1772

0 7.
RCFD1773

0 8.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
16

Schedule RC-B - Securities


Dollar amounts in thousands

1. Pledged securities..............................................................................................................
2. Maturity and repricing data for debt securities (excluding those in nonaccrual status):
a. Securities issued by the U.S. Treasury, U.S. Government agencies, and states and
political subdivisions in the U.S.; other non-mortgage debt securities; and mortgage
pass-through securities other than those backed by closed-end first lien 1-4 family
residential mortgages with a remaining maturity or next repricing date of:
1. Three months or less...............................................................................................
2. Over three months through 12 months...................................................................
3. Over one year through three years.........................................................................
4. Over three years through five years........................................................................
5. Over five years through 15 years............................................................................
6. Over 15 years..........................................................................................................
b. Mortgage pass-through securities backed by closed-end first lien 1-4 family residential
mortgages with a remaining maturity or next repricing date of:
1. Three months or less...............................................................................................
2. Over three months through 12 months...................................................................
3. Over one year through three years.........................................................................
4. Over three years through five years........................................................................
5. Over five years through 15 years............................................................................
6. Over 15 years..........................................................................................................
c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS; exclude
mortgage pass-through securities) with an expected average life of:
1. Three years or less..................................................................................................
2. Over three years......................................................................................................
d. Debt securities with a REMAINING MATURITY of one year or less (included in
Memorandum items 2.a through 2.c above).....................................................................
3. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or
trading securities during the calendar year-to-date (report the amortized cost at date of sale
or transfer)..............................................................................................................................
4. Structured notes (included in the held-to-maturity and available-for-sale accounts in
Schedule RC-B, items 2, 3, 5, and 6):
a. Amortized cost..............................................................................................................
b. Fair value......................................................................................................................

RCFD0416

0 M.1.
M.2.

M.2.a.

RCFDA549
RCFDA550
RCFDA551
RCFDA552
RCFDA553
RCFDA554

0 M.2.a.1.
0 M.2.a.2.
0 M.2.a.3.
0 M.2.a.4.
0 M.2.a.5.
0 M.2.a.6.
M.2.b.

RCFDA555
RCFDA556
RCFDA557
RCFDA558
RCFDA559
RCFDA560

0 M.2.b.1.
0 M.2.b.2.
0 M.2.b.3.
0 M.2.b.4.
0 M.2.b.5.
0 M.2.b.6.
M.2.c.

RCFDA562

0 M.2.c.1.
0 M.2.c.2.

RCFDA248

RCFDA561

M.2.d.

RCFD1778

0
M.3.
M.4.

RCFD8782
RCFD8783

0 M.4.a.
0 M.4.b.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
17

Schedule RC-B - Securities


Dollar amounts in thousands

(Column A)
Held-to-maturity
Amortized Cost

(Column B)
Held-to-maturity
Fair Value

(Column C)
Available-for-sale
Amortized Cost

(Column D)
Available-for-sale
Fair Value

RCFDB838

RCFDB839

RCFDB840

RCFDB841

5. Asset-backed securities (ABS) (for each column, sum of Memorandum items 5.a
through 5.f must equal Schedule RC-B, item 5.a):

M.5.

a. Credit card receivables....................................................................................

0
RCFDB842

b. Home equity lines............................................................................................

0
RCFDB846

c. Automobile loans.............................................................................................

e. Commercial and industrial loans.....................................................................


f. Other................................................................................................................
6. Structured financial products by underlying collateral or reference assets (for
each column, sum of Memorandum items 6.a through 6.g must equal Schedule
RC-B, sum of items 5.b(1) through(3)):

0 M.5.c.
RCFDB853

RCFDB856

RCFDB859

0 M.5.b.
RCFDB849

RCFDB852

RCFDB855

RCFDB858

0 M.5.a.
RCFDB845

RCFDB848

RCFDB851

RCFDB854

0 M.5.d.
RCFDB857

0
RCFDB860

0 M.5.e.
RCFDB861

0 M.5.f.

M.6.

RCFDG348

a. Trust preferred securities issued by financial institutions.................................

RCFDG349

0
RCFDG352

b. Trust preferred securities issued by real estate investment trusts...................

c. Corporate and similar loans............................................................................

f. Diversified (mixed) pools of structured financial products................................

0 M.6.e.
RCFDG371

0
RCFDG374

0 M.6.d.
RCFDG367

RCFDG370

RCFDG373

0 M.6.c.
RCFDG363

RCFDG366

RCFDG369

RCFDG372

0 M.6.b.
RCFDG359

RCFDG362

RCFDG365

RCFDG368

0 M.6.a.
RCFDG355

RCFDG358

RCFDG361

RCFDG364

RCFDG351

RCFDG354

RCFDG357

RCFDG360

e. 1-4 family residential MBS not issued or guaranteed by GSEs.......................

RCFDG350

RCFDG353

RCFDG356

g. Other collateral or reference assets................................................................

d. Other consumer loans.....................................................................................

0
RCFDB844

RCFDB847

RCFDB850

d. 1-4 family residential MBS issued or guaranteed by U.S.


government-sponsored enterprises (GSEs).......................................................

0
RCFDB843

0 M.6.f.
RCFDG375

0 M.6.g.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
18

Schedule RC-C Part I - Loans and Leases


Dollar amounts in thousands

1. Loans secured by real estate................................................................


a. Construction, land development, and other land loans:
1. 1-4 family residential construction loans....................................
2. Other construction loans and all land development and other
land loans......................................................................................
b. Secured by farmland (including farm residential and other
improvements).....................................................................................
c. Secured by 1-4 family residential properties:
1. Revolving, open-end loans secured by 1-4 family residential
properties and extended under lines of credit...............................
2. Closed-end loans secured by 1-4 family residential properties:
a. Secured by first liens............................................................
b. Secured by junior liens.........................................................
d. Secured by multifamily (5 or more) residential properties...............
e. Secured by nonfarm nonresidential properties:
1. Loans secured by owner-occupied nonfarm nonresidential
properties......................................................................................
2. Loans secured by other nonfarm nonresidential properties.......
2. Loans to depository institutions and acceptances of other banks:
a. To commercial banks in the U.S......................................................
1. To U.S. branches and agencies of foreign banks.......................
2. To other commercial banks in the U.S.......................................
b. To other depository institutions in the U.S........................................
c. To banks in foreign countries...........................................................
1. To foreign branches of other U.S. banks....................................
2. To other banks in foreign countries............................................
3. Loans to finance agricultural production and other loans to farmers.....
4. Commercial and industrial loans:
a. To U.S. addressees (domicile).........................................................
b. To non-U.S. addressees (domicile)..................................................
5. Not applicable
6. Loans to individuals for household, family, and other personal
expenditures (i.e., consumer loans) (includes purchased paper):
a. Credit cards.....................................................................................
b. Other revolving credit plans.............................................................
c. Automobile loans.............................................................................
d. Other consumer loans (includes single payment and installment
loans other than automobile loans, and all student loans)..................
7. Loans to foreign governments and official institutions (including foreign
central banks)...........................................................................................
8. Obligations (other than securities and leases) of states and political
subdivisions in the U.S..............................................................................
9. Loans to nondepository financial institutions and other loans...............
a. Loans to nondepository financial institutions...................................
b. Other loans:
1. Loans for purchasing or carrying securities (secured and
unsecured).....................................................................................
2. All other loans (exclude consumer loans)..................................
10. Lease financing receivables (net of unearned income).......................

(Column A) Consolidated
Bank
RCFD1410

(Column B) Domestic
Offices

NR

1.
1.a.

RCFDF158

102,000 RCONF158

102,000 1.a.1.

RCFDF159

749,000 RCONF159

749,000
1.a.2.

RCFD1420

50,000 RCON1420

50,000
1.b.
1.c.

RCFD1797

65,000 RCON1797

65,000
1.c.1.
1.c.2.

RCFD5368

21,000 RCON5368

5,293,000 1.c.2.a.
21,000 1.c.2.b.

RCFD1460

318,000 RCON1460

318,000 1.d.

RCFD5367

5,293,000 RCON5367

1.e.

RCFDF160

81,000 RCONF160

RCFDF161

4,289,000 RCONF161

81,000
1.e.1.

4,289,000 1.e.2.
2.

RCONB531
RCFDB532

RCFDB533

RCFDB534

0 RCONB534

2.a.1.
2.a.2.

RCONB535
RCFDB536

RCFDB537

522,000

0 2.a.

0 2.b.
522,000 2.c.
2.c.1.
2.c.2.

RCFD1590

5,000 RCON1590

RCFD1763

9,214,000 RCON1763

RCFD1764

3,385,000 RCON1764

5,000 3.
4.

9,214,000 4.a.
3,385,000 4.b.
5.
6.

RCFDB538

0 RCONB538

RCFDB539

0 RCONB539

0 6.a.
0 6.b.

RCFDK137

0 RCONK137

0 6.c.

RCFDK207

1,561,000 RCONK207

1,561,000
6.d.

RCFD2081

3,000 RCON2081

3,000
7.

RCFD2107

0 RCON2107

0
8.

RCFD1563

18,905,000

9.

RCONJ454

13,324,000 9.a.
9.b.

RCON1545

756,000
9.b.1.

RCONJ451
RCON2165

4,825,000 9.b.2.
0 10.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
19

Dollar amounts in thousands

(Column A) Consolidated
Bank

a. Leases to individuals for household, family, and other personal


RCFDF162
expenditures (i.e., consumer leases)..................................................
b. All other leases................................................................................ RCFDF163
11. LESS: Any unearned income on loans reflected in items 1-9 above... RCFD2123
12. Total loans and leases, net of unearned income (item 12, column A
RCFD2122
must equal Schedule RC, sum of items 4.a and 4.b)................................

(Column B) Domestic
Offices

0
10.a.

10.b.

0 RCON2123
44,563,000 RCON2122

0 11.
44,563,000
12.

Schedule RC-C Part I - Loans and Leases


Dollar amounts in thousands

1. Loans restructured in troubled debt restructurings that are in compliance with their modified
terms (included in Schedule RC-C, part 1, and not reported as past due or nonaccrual in
Schedule RC-N, Memorandum item 1):
a. Construction, land development, and other land loans in domestic offices:
1. 1-4 family residential construction loans.................................................................
2. Other construction loans and all land development and other land loans...............
b. Loans secured by 1-4 family residential properties in domestic offices........................
c. Secured by multifamily (5 or more) residential properties in domestic offices..............
d. Secured by nonfarm nonresidential properties in domestic offices:
1. Loans secured by owner-occupied nonfarm nonresidential properties...................
2. Loans secured by other nonfarm nonresidential properties....................................
e. Commercial and industrial loans:
1. To U.S. addressees (domicile).................................................................................
2. To non-U.S. addressees (domicile)..........................................................................
f. All other loans (include loans to individuals for household, family, and other personal
expenditures)....................................................................................................................
1. Loans secured by farmland in domestic offices......................................................
2. Loans to depository institutions and acceptances of other banks...........................
3. Loans to finance agricultural production and other loans to farmers......................
4. Loans to individuals for household, family, and other personal expenditures:
a. Credit cards.......................................................................................................
b. Automobile loans...............................................................................................
c. Other (includes revolving credit plans other than credit cards and other consumer
loans).....................................................................................................................
5. Loans to foreign governments and official institutions.............................................
6. Other loans..............................................................................................................
7. Loans secured by real estate in foreign offices.......................................................
2. Maturity and repricing data for loans and leases (excluding those in nonaccrual status):
a. Closed-end loans secured by first liens on 1-4 family residential properties in domestic
offices (reported in Schedule RC-C, part I, item 1.c.(2)(a), column B) with a remaining
maturity or next repricing date of:
1. Three months or less...............................................................................................
2. Over three months through 12 months...................................................................
3. Over one year through three years.........................................................................
4. Over three years through five years........................................................................
5. Over five years through 15 years............................................................................
6. Over 15 years..........................................................................................................
b. All loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column
A) EXCLUDING closed-end loans secured by first liens on 1-4 family residential properties
in domestic offices (reported in Schedule RC-C, part I, item 1.c.(2)(a), column B) with a
remaining maturity or next repricing date of:
1. Three months or less...............................................................................................

M.1.
M.1.a.

RCONK158
RCONK159
RCONF576
RCONK160

0 M.1.a.1.
0 M.1.a.2.
0 M.1.b.
0 M.1.c.
M.1.d.

RCONK161
RCONK162

0 M.1.d.1.
0 M.1.d.2.
M.1.e.

RCFDK164

0 M.1.e.1.
0 M.1.e.2.

RCFDK165

RCONK166
RCFDK167

0 M.1.f.1.
0 M.1.f.2.

RCFDK168

0 M.1.f.3.

RCFDK098
RCFDK203

0 M.1.f.4.a.
0 M.1.f.4.b.

RCFDK204

RCFDK212
RCFDK267

0 M.1.f.5.
0 M.1.f.6.

RCFNK289

0 M.1.f.7.

RCFDK163

M.1.f.

M.1.f.4.

M.1.f.4.c.

M.2.

M.2.a.

RCONA564
RCONA565

246,000 M.2.a.1.
103,000 M.2.a.2.

RCONA566

673,000 M.2.a.3.

RCONA567
RCONA568

1,621,000 M.2.a.4.
2,200,000 M.2.a.5.

RCONA569

449,000 M.2.a.6.

RCFDA570

32,231,000 M.2.b.1.

M.2.b.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
20

Dollar amounts in thousands

2. Over three months through 12 months...................................................................


3. Over one year through three years.........................................................................
4. Over three years through five years........................................................................
5. Over five years through 15 years............................................................................
6. Over 15 years..........................................................................................................
c. Loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column A)
with a REMAINING MATURITY of one year or less (excluding those in nonaccrual
status)...............................................................................................................................
3. Loans to finance commercial real estate, construction, and land development activities
(not secured by real estate) included in Schedule RC-C, part I, items 4 and 9, column A.....
4. Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties
in domestic offices (included in Schedule RC-C, part I, item 1.c.(2)(a), column B)................
5. Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule
RC-C, Part I, item 1, column A, or Schedule RC-C, Part I, items 1.a.(1) through 1.e.(2),
column A, as appropriate)......................................................................................................
6. Outstanding credit card fees and finance charges included in Schedule RC-C, part I, item
6.a, column A.........................................................................................................................
7. Purchased credit-impaired loans held for investment accounted for in accordance with
FASB ASC 310-30 (former AICPA Statement of Position 03-3) (exclude loans held for sale):
a. Outstanding balance.....................................................................................................
b. Amount included in Schedule RC-C, part I, items 1 through 9.....................................
8. Closed-end loans with negative amortization features secured by 1-4 family residential
properties in domestic offices:
a. Total amount of closed-end loans with negative amortization features secured by 1-4
family residential properties (included in Schedule RC-C, part I, items 1.c.(2)(a) and
1.c.(2)(b))..........................................................................................................................
b. Total maximum remaining amount of negative amortization contractually permitted on
closed-end loans secured by 1-4 family residential properties.........................................
c. Total amount of negative amortization on closed-end loans secured by 1-4 family
residential properties included in the amount reported in Memorandum item 8.a above..
9. Loans secured by 1-4 family residential properties in domestic offices in process of
foreclosure (included in Schedule RC-C, part I, items 1.c.(1), 1.c.(2)(a), and 1.c.(2)(b)).......

RCFDA571
RCFDA572

3,183,000 M.2.b.2.
1,447,000 M.2.b.3.

RCFDA574

489,000 M.2.b.4.
821,000 M.2.b.5.

RCFDA575

1,037,000 M.2.b.6.

RCFDA247

5,071,000

RCFDA573

M.2.c.

RCFD2746

1,392,000
M.3.

RCON5370

4,827,000
M.4.

RCFDB837

1,230,000
M.5.

RCFDC391
M.6.
M.7.

RCFDC779
RCFDC780

0 M.7.a.
0 M.7.b.
M.8.

RCONF230

0
M.8.a.

RCONF231

NR
M.8.b.

RCONF232

NR
M.8.c.

RCONF577

0
M.9.

Schedule RC-C Part I - Loans and Leases


Dollar amounts in thousands

(Column A) Consolidated
Bank

10. Loans measured at fair value (included in Schedule RC-C, part I, items
1 through 9):
a. Loans secured by real estate.......................................................... RCFDF608
1. Construction, land development, and other land loans..............
2. Secured by farmland (including farm residential and other
improvements)...............................................................................
3. Secured by 1-4 family residential properties:
a. Revolving, open-end loans secured by 1-4 family residential
properties and extended under lines of credit..........................
b. Closed-end loans secured by 1-4 family residential
properties:
1. Secured by first liens......................................................
2. Secured by junior liens...................................................
4. Secured by multifamily (5 or more) residential properties.........
5. Secured by nonfarm nonresidential properties..........................
b. Commercial and industrial loans..................................................... RCFDF585

(Column B) Domestic
Offices
M.10.

6,180,000

M.10.a.

RCONF578

23,000 M.10.a.1.

RCONF579

0
M.10.a.2.
M.10.a.3.

RCONF580

17,000
M.10.a.3.a.
M.10.a.3.b.

RCONF581
RCONF582

5,262,000 M.10.a.3.b.1.
21,000 M.10.a.3.b.2.

RCONF583

54,000 M.10.a.4.

RCONF584

803,000 M.10.a.5.
873,000 M.10.b.

873,000 RCONF585

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
21

Dollar amounts in thousands

c. Loans to individuals for household, family, and other personal


expenditures (i.e., consumer loans) (includes purchased paper):
1. Credit cards...............................................................................
2. Other revolving credit plans.......................................................
3. Automobile loans.......................................................................
4. Other consumer loans...............................................................
d. Other loans......................................................................................
11. Unpaid principal balance of loans measured at fair value (reported in
Schedule RC-C, part I, Memorandum item 10):
a. Loans secured by real estate..........................................................
1. Construction, and land development, and other land loans.......
2. Secured by farmland (including farm residential and other
improvements)...............................................................................
3. Secured by 1-4 family residential properties:
a. Revolving, open-end loans secured by 1-4 family residential
properties and extended under lines of credit..........................
b. Closed-end loans secured by 1-4 family residential
properties:
1. Secured by first liens......................................................
2. Secured by junior liens...................................................
4. Secured by multifamily (5 or more) residential properties.........
5. Secured by nonfarm nonresidential properties..........................
b. Commercial and industrial loans.....................................................
c. Loans to individuals for household, family, and other personal
expenditures (i.e., consumer loans) (includes purchased paper):
1. Credit cards...............................................................................
2. Other revolving credit plans.......................................................
3. Automobile loans.......................................................................
4. Other consumer loans...............................................................
d. Other loans......................................................................................

(Column A) Consolidated
Bank

(Column B) Domestic
Offices
M.10.c.

RCFDF586

0 RCONF586

RCFDF587

0 RCONF587

RCFDK196

0 RCONK196

0 M.10.c.1.
0 M.10.c.2.

RCFDK208

129,000 RCONK208

0 M.10.c.3.
129,000 M.10.c.4.

RCFDF589

2,807,000 RCONF589

2,807,000 M.10.d.

RCFDF609

6,202,000

M.11.
M.11.a.

RCONF590

23,000 M.11.a.1.

RCONF591

0
M.11.a.2.
M.11.a.3.

RCONF592

23,000
M.11.a.3.a.
M.11.a.3.b.

RCONF593
RCONF594

5,247,000 M.11.a.3.b.1.
32,000 M.11.a.3.b.2.

RCONF596

57,000 M.11.a.4.
820,000 M.11.a.5.

RCFDF597

887,000 RCONF597

887,000 M.11.b.

RCFDF598

0 RCONF598

RCFDF599

0 RCONF599

0 M.11.c.1.
0 M.11.c.2.

RCONF595

M.11.c.

RCFDK195

0 RCONK195

0 M.11.c.3.

RCFDK209

132,000 RCONK209

RCFDF601

2,809,000 RCONF601

132,000 M.11.c.4.
2,809,000 M.11.d.

Schedule RC-C Part I - Loans and Leases


(Column A) Fair
value of
acquired loans
and leases at
acquisition date

(Column B)
Gross
contractual
amounts
receivable at
acquisition date

(Column C) Best
estimate at
acquisition date
of contractual
cash flows not
expected to be
collected

RCFDG091

RCFDG092

RCFDG093

Dollar amounts in thousands

12. Loans (not subject to the requirements of FASB ASC 310-30 (former
AICPA Statement of Position 03-3)) and leases held for investment
that were acquired in business combinations with acquisition dates in
the current calendar year:

M.12.

a. Loans secured by real estate......................................................

0
RCFDG094

b. Commercial and industrial loans.................................................


c. Loans to individuals for household, family, and other personal
expenditures....................................................................................

0
RCFDG097

0 M.12.b.
RCFDG099

0
RCFDG101

0 M.12.a.
RCFDG096

RCFDG098

RCFDG100

d. All other loans and all leases.......................................................

0
RCFDG095

0 M.12.c.
RCFDG102

0 M.12.d.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
22

Schedule RC-C Part I - Loans and Leases


Dollar amounts in thousands

13. Construction, land development, and other land loans in domestic offices with interest
reserves:
a. Amount of loans that provide for the use of interest reserves (included in Schedule
RC-C, part I, item 1.a, column B).....................................................................................
b. Amount of interest capitalized from interest reserves on construction, land development,
and other land loans that is included in interest and fee income on loans during the quarter
(included in Schedule RI, item 1.a.(1)(a)(2))....................................................................
14. Pledged loans and leases................................................................................................
15. Reverse mortgages in domestic offices:
a. Reverse mortgages outstanding that are held for investment (included in Schedule
RC-C, item 1.c, above):
1. Home Equity Conversion Mortgage (HECM) reverse mortgages...........................
2. Proprietary reverse mortgages...............................................................................
b. Estimated number of reverse mortgage loan referrals to other lenders during the year
from whom compensation has been received for services performed in connection with
the origination of the reverse mortgages:
1. Home Equity Conversion Mortgage (HECM) reverse mortgages...........................
2. Proprietary reverse mortgages...............................................................................
c. Principal amount of reverse mortgage originations that have been sold during the year:
1. Home Equity Conversion Mortgage (HECM) reverse mortgages...........................
2. Proprietary reverse mortgages...............................................................................

M.13.

RCONG376

0
M.13.a.

RIADG377

0
M.13.b.

RCFDG378

3,788,000 M.14.
M.15.
M.15.a.

RCONJ466
RCONJ467

NR M.15.a.1.
NR M.15.a.2.

M.15.b.

RCONJ468
RCONJ469

NR M.15.b.1.
NR M.15.b.2.
M.15.c.

RCONJ470
RCONJ471

NR M.15.c.1.
NR M.15.c.2.

Schedule RC-C Part II - Loans to Small Businesses and Small Farms


Dollar amounts in thousands

1. Indicate in the appropriate box at the right whether all or substantially all of the dollar
volume of your bank's "Loans secured by nonfarm nonresidential properties" in domestic
offices reported in Schedule RC-C, part I, items 1.e.(1) and 1.e.(2), column B, and all or
substantially all of the dollar volume of your bank's "Commercial and industrial loans to U.S.
addressees" in domestic offices reported in Schedule RC-C, part I, item 4.a, column B, have
original amounts of $100,000 or less.....................................................................................
2. Report the total number of loans currently outstanding for each of the following Schedule
RC-C, part I, loan categories:
a. "Loans secured by nonfarm nonresidential properties" in domestic offices reported in
Schedule RC-C, part I, items 1.e.(1) and 1.e.(2), column B.............................................
b. "Commercial and industrial loans to U.S. addressees" in domestic offices reported in
Schedule RC-C, part I, item 4.a, column B.......................................................................

RCON6999

No

1.
2.

RCON5562

NR
2.a.

RCON5563

NR
2.b.

Schedule RC-C Part II - Loans to Small Businesses and Small Farms


Dollar amounts in thousands

3. Number and amount currently outstanding of "Loans secured by nonfarm


nonresidential properties" in domestic offices reported in Schedule RC-C,
part I, items 1.e.(1) and 1.e.(2), column B:
a. With original amounts of $100,000 or less......................................
b. With original amounts of more than $100,000 through $250,000.....
c. With original amounts of more than $250,000 through $1,000,000..
4. Number and amount currently outstanding of "Commercial and industrial
loans to U.S. addressees" in domestic offices reported in Schedule RC-C,
part I, item 4.a, column B:
a. With original amounts of $100,000 or less......................................
b. With original amounts of more than $100,000 through $250,000.....

(Column A) Number of
Loans

(Column B) Amount
Currently Outstanding

3.

RCON5564

7 RCON5565

RCON5566

4 RCON5567

0 3.a.
1,000 3.b.

RCON5568

24 RCON5569

15,000 3.c.

RCON5570

5 RCON5571

RCON5572

3 RCON5573

0 4.a.
1,000 4.b.

4.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
23

Dollar amounts in thousands

(Column A) Number of
Loans

c. With original amounts of more than $250,000 through $1,000,000.. RCON5574

(Column B) Amount
Currently Outstanding

25 RCON5575

15,000 4.c.

Schedule RC-C Part II - Loans to Small Businesses and Small Farms


Dollar amounts in thousands

5. Indicate in the appropriate box at the right whether all or substantially all of the dollar
volume of your bank's "Loans secured by farmland (including farm residential and other
improvements)" in domestic offices reported in Schedule RC-C, part I, item 1.b, column B,
and all or substantially all of the dollar volume of your bank's "Loans to finance agricultural
production and other loans to farmers" in domestic offices reported in Schedule RC-C, part
I, item 3, column B, have original amounts of $100,000 or less.............................................
6. Report the total number of loans currently outstanding for each of the following Schedule
RC-C, part I, loan categories:
a. "Loans secured by farmland (including farm residential and other improvements)" in
domestic offices reported in Schedule RC-C, part I, item 1.b, column B..........................
b. "Loans to finance agricultural production and other loans to farmers" in domestic offices
reported in Schedule RC-C, part I, item 3, column B.......................................................

RCON6860

No

5.
6.

RCON5576

NR
6.a.

RCON5577

NR
6.b.

Schedule RC-C Part II - Loans to Small Businesses and Small Farms


Dollar amounts in thousands

7. Number and amount currently outstanding of "Loans secured by


farmland (including farm residential and other improvements)" in domestic
offices reported in Schedule RC-C, part I, item 1.b, column B:
a. With original amounts of $100,000 or less......................................
b. With original amounts of more than $100,000 through $250,000.....
c. With original amounts of more than $250,000 through $500,000.....
8. Number and amount currently outstanding of "Loans to finance
agricultural production and other loans to farmers" in domestic offices
reported in Schedule RC-C, part I, item 3, column B:
a. With original amounts of $100,000 or less......................................
b. With original amounts of more than $100,000 through $250,000.....
c. With original amounts of more than $250,000 through $500,000.....

(Column A) Number of
Loans

(Column B) Amount
Currently Outstanding

7.

RCON5578

0 RCON5579

RCON5580

0 RCON5581

0 7.a.
0 7.b.

RCON5582

0 RCON5583

0 7.c.

RCON5584

0 RCON5585

RCON5586

0 RCON5587

0 8.a.
0 8.b.

RCON5588

0 RCON5589

0 8.c.

8.

Schedule RC-D - Trading Assets and Liabilities


Dollar amounts in thousands

1. U.S. Treasury securities.........................................................................


2. U.S. Government agency obligations (exclude mortgage-backed
securities).................................................................................................
3. Securities issued by states and political subdivisions in the U.S..........
4. Mortgage-backed securities (MBS):
a. Residential mortgage pass-through securities issued or guaranteed
by FNMA, FHLMC, or GNMA..............................................................
b. Other residential MBS issued or guaranteed by U.S. Government
agencies or sponsored agencies (include CMOs, REMICs, and stripped
MBS)...................................................................................................
c. All other residential MBS.................................................................
d. Commercial MBS issued or guaranteed by U.S. Government
agencies or sponsored agencies........................................................
e. All other commercial MBS...............................................................

(Column A) Consolidated
Bank

(Column B) Domestic
Offices

RCFD3531

5,028,000 RCON3531

RCFD3532

0 RCON3532

RCFD3533

29,000 RCON3533

5,028,000 1.
0
2.

29,000 3.
4.

RCFDG379

9,430,000 RCONG379

9,430,000
4.a.

RCFDG380

0 RCONG380

RCFDG381

0 RCONG381

0 4.c.

RCFDK197

0 RCONK197

RCFDK198

4,000 RCONK198

4.b.

4.d.

4,000 4.e.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
24

Dollar amounts in thousands

5. Other debt securities:


a. Structured financial products:
1. Cash..........................................................................................
2. Synthetic....................................................................................
3. Hybrid........................................................................................
b. All other debt securities...................................................................
6. Loans:
a. Loans secured by real estate..........................................................
1. Construction, land development, and other land loans..............
2. Secured by farmland (including farm residential and other
improvements)...............................................................................
3. Secured by 1-4 family residential properties:
a. Revolving, open-end loans secured by 1-4 family residential
properties and extended under lines of credit..........................
b. Closed-end loans secured by 1-4 family residential
properties:
1. Secured by first liens......................................................
2. Secured by junior liens...................................................
4. Secured by multifamily (5 or more) residential properties.........
5. Secured by nonfarm nonresidential properties..........................
b. Commercial and industrial loans.....................................................
c. Loans to individuals for household, family, and other personal
expenditures (i.e., consumer loans) (includes purchased paper):
1. Credit cards...............................................................................
2. Other revolving credit plans.......................................................
3. Automobile loans.......................................................................
4. Other consumer loans...............................................................
d. Other loans......................................................................................
7. Not appliable
8. Not applicable
9. Other trading assets..............................................................................
10. Not applicable
11. Derivatives with a positive fair value....................................................
12. Total trading assets (sum of items 1 through 11) (total of column A
must equal Schedule RC, item 5).............................................................
13. Not available
a. Liability for short positions...............................................................
b. Other trading liabilities.....................................................................
14. Derivatives with a negative fair value..................................................
15. Total trading liabilities (sum of items 13.a through 14) (total of column
A must equal Schedule RC, item 15)........................................................
1. Unpaid principal balance of loans measured at fair value (reported in
Schedule RC-D, items 6.a through 6.d):
a. Loans secured by real estate..........................................................
1. Construction, land development, and other land loans..............
2. Secured by farmland (including farm residential and other
improvements)...............................................................................
3. Secured by 1-4 family residential properties:
a. Revolving, open-end loans secured by 1-4 family residential
properties and extended under lines of credit..........................

(Column A) Consolidated
Bank

(Column B) Domestic
Offices
5.
5.a.

RCFDG383

0 RCONG383

RCFDG384

0 RCONG384

RCFDG385

0 RCONG385

RCFDG386

646,000 RCONG386

0 5.a.1.
0 5.a.2.
0 5.a.3.
646,000 5.b.
6.

RCFDF610

11,000

6.a.

RCONF604

0 6.a.1.

RCONF605

0
6.a.2.
6.a.3.

RCONF606

0
6.a.3.a.
6.a.3.b.

RCONF607
RCONF611

0 6.a.3.b.1.
0 6.a.3.b.2.

RCONF612

0 6.a.4.

RCONF613

11,000 6.a.5.
200,000 6.b.

RCFDF614

200,000 RCONF614

RCFDF615

0 RCONF615

6.c.

RCFDF616

0 RCONF616

RCFDK199

0 RCONK199

RCFDK210

0 RCONK210

RCFDF618

88,000 RCONF618

0 6.c.1.
0 6.c.2.
0 6.c.3.
0 6.c.4.
88,000 6.d.
7.
8.

RCFD3541

197,000 RCON3541

RCFD3543

9,506,000 RCON3543

RCFD3545

25,139,000 RCON3545

197,000 9.
10.

9,506,000 11.
25,139,000
12.
13.

RCFD3546

842,000 RCON3546

842,000 13.a.
80,000 13.b.

RCFDF624

80,000 RCONF624

RCFD3547

4,888,000 RCON3547

4,888,000 14.

RCFD3548

5,810,000 RCON3548

5,810,000
15.
M.1.

RCFDF790

8,000

M.1.a.

RCONF625

0 M.1.a.1.

RCONF626

0
M.1.a.2.
M.1.a.3.

RCONF627

0
M.1.a.3.a.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
25

Dollar amounts in thousands

b. Closed-end loans secured by 1-4 family residential


properties:
1. Secured by first liens......................................................
2. Secured by junior liens...................................................
4. Secured by multifamily (5 or more) residential properties.........
5. Secured by nonfarm nonresidential properties..........................
b. Commercial and industrial loans.....................................................
c. Loans to individuals for household, family, and other personal
expenditures (i.e., consumer loans) (includes purchased paper):
1. Credit cards...............................................................................
2. Other revolving credit plans.......................................................
3. Automobile loans.......................................................................
4. Other consumer loans...............................................................
d. Other loans......................................................................................
2. Loans measured at fair value that are past due 90 days or more:
a. Fair value.........................................................................................
b. Unpaid principal balance.................................................................
3. Structured financial products by underlying collateral or reference assets
(for each column, sum of Memorandum items 3.a through 3.g must equal
Schedule RC-D, sum of items 5.a.(1) through (3)):
a. Trust preferred securities issued by financial institutions.................
b. Trust preferred securities issued by real estate investment trusts....
c. Corporate and similar loans.............................................................
d. 1-4 family residential MBS issued or guaranteed by U.S.
government-sponsored enterprises (GSEs)........................................
e. 1-4 family residential MBS not issued or guaranteed by GSEs.......
f. Diversified (mixed) pools of structured financial products................
g. Other collateral or reference assets................................................
4. Pledged trading assets:
a. Pledged securities...........................................................................
b. Pledged loans..................................................................................

(Column A) Consolidated
Bank

(Column B) Domestic
Offices
M.1.a.3.b.

RCONF628
RCONF629

0 M.1.a.3.b.1.
0 M.1.a.3.b.2.

RCONF631

0 M.1.a.4.
8,000 M.1.a.5.

RCFDF632

210,000 RCONF632

210,000 M.1.b.

RCFDF633

0 RCONF633

RCFDF634

0 RCONF634

0 M.1.c.1.
0 M.1.c.2.

RCFDK200

0 RCONK200

RCFDK211

0 RCONK211

0 M.1.c.3.
0 M.1.c.4.

RCFDF636

85,000 RCONF636

85,000 M.1.d.

RCFDF639

0 RCONF639

RCFDF640

0 RCONF640

0 M.2.a.
0 M.2.b.

RCFDG299

0 RCONG299

RCFDG332

0 RCONG332

0 M.3.a.
0 M.3.b.

RCFDG333

0 RCONG333

0 M.3.c.

RCFDG334

0 RCONG334

RCFDG335

0 RCONG335

RCFDG651

0 RCONG651

0 M.3.e.
0 M.3.f.

RCFDG652

0 RCONG652

0 M.3.g.

RCFDG387

5,509,000 RCONG387

RCFDG388

0 RCONG388

5,509,000 M.4.a.
0 M.4.b.

RCONF630

M.1.c.

M.2.

M.3.

M.3.d.

M.4.

Schedule RC-D - Trading Assets and Liabilities


Dollar amounts in thousands

5. Asset-backed securities:
a. Credit card receivables.................................................................................................
b. Home equity lines.........................................................................................................
c. Automobile loans...........................................................................................................
d. Other consumer loans..................................................................................................
e. Commercial and industrial loans...................................................................................
f. Other..............................................................................................................................
6. Retained beneficial interests in securitizations (first-loss or equity tranches)....................
7. Equity securities (included in Schedule RC-D, item 9, above):
a. Readily determinable fair values...................................................................................
b. Other.............................................................................................................................
8. Loans pending securitization..............................................................................................
9. Other trading assets (itemize and describe amounts included in Schedule RC-D, item 9,
that are greater than $25,000 and exceed 25% of the item):
a. Disclose component and the dollar amount of that component:

M.5.

RCFDF643
RCFDF644
RCFDF645
RCFDF646

0 M.5.a.
0 M.5.b.
0 M.5.c.
0 M.5.d.

RCFDF647

0 M.5.e.

RCFDF648

29,000 M.5.f.
0 M.6.

RCFDF651

M.7.

RCFDF652
RCFDF653
RCFDF654

0 M.7.a.
81,000 M.7.b.
0 M.8.
M.9.
M.9.a.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
26

Dollar amounts in thousands

1. Describe component...............................................................................................
2. Amount of component.............................................................................................
b. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
c. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
10. Other trading liabilities (itemize and describe amounts included in Schedule RC-D, item
13.b, that are greater than $25,000 and exceed 25% of the item):
a. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
b. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
c. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................

TEXTF655
RCFDF655

Click here for


value

M.9.a.1.

116,000 M.9.a.2.
M.9.b.

TEXTF656

M.9.b.1.

RCFDF656

0 M.9.b.2.
M.9.c.

TEXTF657

M.9.c.1.

RCFDF657

0 M.9.c.2.
M.10.
M.10.a.

TEXTF658
RCFDF658

Click here for


value

M.10.a.1.

71,000 M.10.a.2.
M.10.b.

TEXTF659

M.10.b.1.

RCFDF659

0 M.10.b.2.
M.10.c.

TEXTF660

M.10.c.1.

RCFDF660

0 M.10.c.2.

(TEXTF655) Investments
(TEXTF658) Fair value of loans sold not yet purchased

Schedule RC-E Part I - Deposits in Domestic Offices


(Column A)
(Column B)
(Column C)
Transaction
Transaction
Nontransaction
Accounts Total Accounts Memo: Accounts Total
Transaction
Total demand nontransaction
accounts
deposits
accounts
(including total
(included in
(including
demand
column A)
MMDAs)
deposits)
Dollar amounts in thousands
Deposits of:
1. Individuals, partnerships, and corporations (include all certified and
official checks)......................................................................................

RCONB549

RCONB550

1,708,000

76,130,000 1.

RCON2202

2. U.S. Government...............................................................................

RCON2520

0 2.

RCON2203

3. States and political subdivisions in the U.S.......................................

RCON2530

0 3.

RCONB551

4. Commercial banks and other depository institutions in the U.S........

RCONB552

0 4.

RCON2213

5. Banks in foreign countries.................................................................

RCON2236

6. Foreign governments and official institutions (including foreign central


banks)...................................................................................................

RCON2216

7. Total (sum of items 1 through 6) (sum of columns A and C must


equal Schedule RC, item 13.a).............................................................

RCON2215

0 5.
RCON2377

0
1,708,000

0 6.
RCON2210

375,000

RCON2385

76,130,000 7.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
27

Schedule RC-E Part I - Deposits in Domestic Offices


Dollar amounts in thousands

1. Selected components of total deposits (i.e., sum of item 7, columns A and C):
a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts.......................
b. Total brokered deposits.................................................................................................
c. Fully insured brokered deposits (included in Memorandum item 1.b above):
1. Brokered deposits of less than $100,000................................................................
2. Brokered deposits of $100,000 through $250,000 and certain brokered retirement
deposit accounts.........................................................................................................
d. Maturity data for brokered deposits:
1. Brokered deposits of less than $100,000 with a remaining maturity of one year or
less (included in Memorandum item 1.c.(1) above)....................................................
2. Brokered deposits of $100,000 through $250,000 with a remaining maturity of one
year or less (included in Memorandum item 1.c.(2) above)........................................
3. Brokered deposits of more than $250,000 with a remaining maturity of one year
or less (included in Memorandum item 1.b above).....................................................
e. Preferred deposits (uninsured deposits of states and political subdivisions in the U.S.
reported in item 3 above which are secured or collateralized as required under state law)
(to be completed for the December report only)...............................................................
f. Estimated amount of deposits obtained through the use of deposit listing services that
are not brokered deposits.................................................................................................
2. Components of total nontransaction accounts (sum of Memorandum items 2.a through
2.d must equal item 7, column C above):
a. Savings deposits:
1. Money market deposit accounts (MMDAs).............................................................
2. Other savings deposits (excludes MMDAs).............................................................
b. Total time deposits of less than $100,000.....................................................................
c. Total time deposits of $100,000 through $250,000.......................................................
d. Total time deposits of more than $250,000...................................................................
e. Individual Retirement Accounts (IRAs) and Keogh Plan accounts of $100,000 or more
included in Memorandum items 2.c and 2.d above..........................................................
3. Maturity and repricing data for time deposits of less than $100,000:
a. Time deposits of less than $100,000 with a remaining maturity or next repricing date
of:
1. Three months or less...............................................................................................
2. Over three months through 12 months...................................................................
3. Over one year through three years.........................................................................
4. Over three years......................................................................................................
b. Time deposits of less than $100,000 with a REMAINING MATURITY of one year or
less (included in Memorandum items 3.a.(1) and 3.a.(2) above).....................................
4. Maturity and repricing data for time deposits of $100,000 or more:
a. Time deposits of $100,000 or more with a remaining maturity or next repricing date
of:
1. Three months or less...............................................................................................
2. Over three months through 12 months...................................................................
3. Over one year through three years.........................................................................
4. Over three years......................................................................................................
b. Time deposits of $100,000 through $250,000 with a REMAINING MATURITY of one
year or less (included in Memorandum items 4.a.(1) and 4.a.(2) above).........................
c. Time deposits of more than $250,000 with a REMAINING MATURITY of one year or
less (included in Memorandum items 4.a.(1) and 4.a.(2) above).....................................
5. Does your institution offer one or more consumer deposit account products, i.e., transaction
account or nontransaction savings account deposit products intended primarily for individuals
for personal, household, or family use?..................................................................................

M.1.

RCON2365

7,011,000 M.1.a.
45,848,000 M.1.b.

RCON2343

38,751,000 M.1.c.1.

RCON6835

M.1.c.

RCONJ472

4,961,000
M.1.c.2.
M.1.d.

RCONA243

15,235,000
M.1.d.1.

RCONK219

4,958,000
M.1.d.2.

RCONK220

1,874,000
M.1.d.3.

RCON5590

NR
M.1.e.

RCONK223

0
M.1.f.
M.2.
M.2.a.

RCON6810
RCON0352

43,776,000 M.2.a.1.
0 M.2.a.2.

RCONJ473

28,708,000 M.2.b.
13,000 M.2.c.

RCONJ474

3,633,000 M.2.d.

RCON6648

RCONF233

1,000
M.2.e.
M.3.
M.3.a.

RCONA579
RCONA580
RCONA581
RCONA582
RCONA241

1,219,000 M.3.a.1.
3,974,000 M.3.a.2.
10,333,000 M.3.a.3.
13,182,000 M.3.a.4.
5,192,000
M.3.b.
M.4.
M.4.a.

RCONA584
RCONA585
RCONA586
RCONA587
RCONK221

698,000 M.4.a.1.
2,683,000 M.4.a.2.
262,000 M.4.a.3.
3,000 M.4.a.4.
1,000
M.4.b.

RCONK222

3,371,000
M.4.c.

RCONP752

No
M.5.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
28

Dollar amounts in thousands

6. Components of total transaction account deposits of individuals, partnerships, and


corporations (sum of Memorandum items 6.a, 6.b, and 6.c must equal item 1, column A,
above):
a. Total deposits in those noninterest-bearing transaction account deposit products
intended primarily for individuals for personal, household, or family use.........................
b. Total deposits in those interest-bearing transaction account deposit products intended
primarily for individuals for personal, household, or family use........................................
c. Total deposits in all other transaction accounts of individuals, partnerships, and
corporations......................................................................................................................
7. Components of total nontransaction account deposits of individuals, partnerships, and
corporations (sum of Memorandum items 7.a.(1), 7.a.(2), 7.b.(1), and 7.b.(2) plus all time
deposits of individuals, partnerships, and corporations must equal item 1, column C, above):
a. Money market deposit accounts (MMDAs) of individuals, partnerships, and corporations
(sum of Memorandum items 7.a.(1) and 7.a.(2) must be less than or equal to Memorandum
item 2.a.(1) above):
1. Total deposits in those MMDA deposit products intended primarily for individuals
for personal, household, or family use........................................................................
2. Deposits in all other MMDAs of individuals, partnerships, and corporations..........
b. Other savings deposit accounts of individuals, partnerships, and corporations (sum of
Memorandum items 7.b.(1) and 7.b.(2) must be less than or equal to Memorandum item
2.a.(2) above):
1. Total deposits in those other savings deposit account deposit products intended
primarily for individuals for personal, household, or family use...................................
2. Deposits in all other savings deposit accounts of individuals, partnerships, and
corporations................................................................................................................

M.6.

RCONP753

NR
M.6.a.

RCONP754

NR
M.6.b.

RCONP755

NR
M.6.c.

M.7.

M.7.a.

RCONP756

NR

RCONP757

NR M.7.a.2.

M.7.a.1.

M.7.b.

RCONP758

NR
M.7.b.1.

RCONP759

NR
M.7.b.2.

Schedule RC-E Part II - Deposits in Foreign Offices including Edge and Agreement
subsidiaries and IBFs
Dollar amounts in thousands

Deposits of:
1. Individuals, partnerships, and corporations (include all certified and official checks)........
2. U.S. banks (including IBFs and foreign branches of U.S. banks) and other U.S. depository
institutions..............................................................................................................................
3. Foreign banks (including U.S. branches and agencies of foreign banks, including their
IBFs).......................................................................................................................................
4. Foreign governments and official institutions (including foreign central banks)..................
5. U.S. Government and states and political subdivisions in the U.S.....................................
6. Total....................................................................................................................................
1. Time deposits with a remaining maturity of one year or less (included in Part II, item 6
above)....................................................................................................................................

RCFNB553
RCFNB554

285,000 1.
0
2.

RCFN2625

RCFN2650
RCFNB555

0 4.
0 5.

RCFN2200

285,000 6.

RCFNA245

285,000

3.

M.1.

Schedule RC-F - Other Assets


Dollar amounts in thousands

1. Accrued interest receivable................................................................................................


2. Net deferred tax assets......................................................................................................
3. Interest-only strips receivable (not in the form of a security) on:
a. Mortgage loans.............................................................................................................
b. Other financial assets...................................................................................................
4. Equity securities that DO NOT have readily determinable fair values................................
5. Life insurance assets:
a. General account life insurance assets..........................................................................

RCFDB556
RCFD2148

204,000 1.
243,000 2.
3.

RCFDA519
RCFDA520
RCFD1752

0 3.a.
0 3.b.
507,000 4.
5.

RCFDK201

0 5.a.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
29

Dollar amounts in thousands

b. Separate account life insurance assets........................................................................


c. Hybrid account life insurance assets.............................................................................
6. All other assets (itemize and describe amounts greater than $25,000 that exceed 25% of
this item).................................................................................................................................
a. Prepaid expenses.........................................................................................................
b. Repossessed personal property (including vehicles)....................................................
c. Derivatives with a positive fair value held for purposes other than trading....................
d. Retained interests in accrued interest receivable related to securitized credit cards ...
e. FDIC loss-sharing indemnification assets.....................................................................
f. Not applicable
g. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
h. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
i. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
7. Total (sum of items 1 through 6) (must equal Schedule RC, item 11)................................

0 5.b.
0 5.c.

RCFDK202
RCFDK270
RCFD2168

10,325,000
6.

0 6.a.
0 6.b.

RCFD2166
RCFD1578

RCFDC436

0 6.c.
0 6.d.

RCFDJ448

0 6.e.

RCFDC010

6.f.
6.g.

TEXT3549
RCFD3549

Trade date
receivable

6.g.1.

5,118,000 6.g.2.
6.h.

TEXT3550

6.h.1.

RCFD3550

0 6.h.2.
6.i.

TEXT3551

6.i.1.

RCFD3551

0 6.i.2.
11,279,000 7.

RCFD2160

Schedule RC-G - Other Liabilities


Dollar amounts in thousands

1. Not available
a. Interest accrued and unpaid on deposits in domestic offices.......................................
b. Other expenses accrued and unpaid (includes accrued income taxes payable)..........
2. Net deferred tax liabilities...................................................................................................
3. Allowance for credit losses on off-balance sheet credit exposures....................................
4. All other liabilities (itemize and describe amounts greater than $25,000 that exceed 25
percent of this item)................................................................................................................
a. Accounts payable..........................................................................................................
b. Deferred compensation liabilities..................................................................................
c. Dividends declared but not yet payable........................................................................
d. Derivatives with a negative fair value held for purposes other than trading..................
e. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
f. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
g. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
5. Total....................................................................................................................................

(TEXT3552) Payable to counterparties

1.

RCON3645
RCFD3646

135,000 1.a.
1,562,000 1.b.

RCFD3049

0 2.

RCFDB557

81,000 3.

RCFD2938

3,307,000
4.

0 4.a.
0 4.b.

RCFD3066
RCFDC011

0 4.c.
0 4.d.

RCFD2932
RCFDC012

4.e.

TEXT3552
RCFD3552

Click here for


value

4.e.1.

1,154,000 4.e.2.
4.f.

TEXT3553
RCFD3553

Trade date
payable

4.f.1.

1,105,000 4.f.2.
4.g.

TEXT3554

4.g.1.

RCFD3554

0 4.g.2.
5,085,000 5.

RCFD2930

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
30

Schedule RC-H - Selected Balance Sheet Items for Domestic Offices


Dollar amounts in thousands

1. Not applicable
2. Not applicable
3. Securities purchased under agreements to resell..............................................................
4. Securities sold under agreements to repurchase...............................................................
5. Other borrowed money.......................................................................................................
6. Net due from own foreign offices, Edge and Agreement subsidiaries, and IBFs................
7. Net due to own foreign offices, Edge and Agreement subsidiaries, and IBFs....................
8. Total assets (excludes net due from foreign offices, Edge and Agreement subsidiaries,
and IBFs)................................................................................................................................
9. Total liabilities (excludes net due to foreign offices, Edge and Agreement subsidiaries,
and IBFs)................................................................................................................................

1.
2.

RCONB989
RCONB995

3,086,000 3.
7,657,000 4.

RCON2163

1,760,000 5.
0 6.

RCON2941

285,000 7.

RCON3190

RCON2192

122,681,000
8.

RCON3129

100,150,000
9.

Schedule RC-H - Selected Balance Sheet Items for Domestic Offices


(Column A) Amortized (Column B) Fair Value of
Cost of Held-to-Maturity
Available-for-Sale
Securities
Securities
Dollar amounts in thousands
10. U.S. Treasury securities.......................................................................
11. U.S. Government agency obligations (exclude mortgage-backed
securities).................................................................................................
12. Securities issued by states and political subdivisions in the U.S........
13. Mortgage-backed securities (MBS):
a. Mortgage pass-through securities:
1. Issued or guaranteed by FNMA, FHLMC, or GNMA..................
2. Other mortgage pass-through securities...................................
b. Other mortgage-backed securities (include CMOs, REMICs, and
stripped MBS):
1. Issued or guaranteed by U.S. Government agencies or
sponsored agencies......................................................................
2. All other mortgage-backed securities........................................
14. Other domestic debt securities (include domestic structured financial
products and domestic asset-backed securities)......................................
15. Other foreign debt securities (include foreign structured financial
products and foreign asset-backed securities)..........................................
16. Investments in mutual funds and other equity securities with readily
determinable fair values............................................................................
17. Total held-to-maturity and available-for-sale securities (sum of items
10 through 16)..........................................................................................

RCON0211

0 RCON1287

0 10.

RCON8492

0 RCON8495

RCON8496

0 RCON8499

0 12.

11.

13.
13.a.

RCONG389

0 RCONG390

RCON1709

0 RCON1713

0 13.a.1.
0 13.a.2.
13.b.

RCONG393

0 RCONG394

RCON1733

0 RCON1736

0 13.b.2.

RCONG397

0 RCONG398

13.b.1.

14.

RCONG399

0 RCONG400

0
15.

RCONA511

0
16.

RCON1754

0 RCON1773

0
17.

Schedule RC-H - Selected Balance Sheet Items for Domestic Offices


Dollar amounts in thousands

18. Equity securities that do not have readily determinable fair values..................................

RCON1752

507,000 18.

Schedule RC-I - Assets and Liabilities of IBFs


Dollar amounts in thousands

1. Total IBF assets of the consolidated bank (component of Schedule RC, item 12).............
2. Total IBF liabilities (component of Schedule RC, item 21)..................................................

RCFN2133
RCFN2898

NR 1.
NR 2.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
31

Schedule RC-K - Quarterly Averages


Dollar amounts in thousands

1. Interest-bearing balances due from depository institutions................................................


2. U.S. Treasury securities and U.S. Government agency obligations (excluding
mortgage-backed securities)..................................................................................................
3. Mortgage-backed securities...............................................................................................
4. All other securities (includes securities issued by states and political subdivisions in the
U.S.).......................................................................................................................................
5. Federal funds sold and securities purchased under agreements to resell.........................
6. Loans:
a. Loans in domestic offices:
1. Total loans...............................................................................................................
2. Loans secured by real estate:
a. Loans secured by 1-4 family residential properties...........................................
b. All other loans secured by real estate................................................................
3. Loans to finance agricultural production and other loans to farmers .....................
4. Commercial and industrial loans.............................................................................
5. Loans to individuals for household, family, and other personal expenditures:
a. Credit cards.......................................................................................................
b. Other (includes revolving credit plans other than credit cards, automobile loans,
and other consumer loans)....................................................................................
b. Total loans in foreign offices, Edge and Agreement subsidiaries, and IBFs..................
7. Trading assets.....................................................................................................................
8. Lease financing receivables (net of unearned income)......................................................
9. Total assets.........................................................................................................................
10. Interest-bearing transaction accounts in domestic offices (interest-bearing demand
deposits, NOW accounts, ATS accounts, and telephone and preauthorized transfer
accounts)................................................................................................................................
11. Nontransaction accounts in domestic offices:
a. Savings deposits (includes MMDAs)............................................................................
b. Time deposits of $100,000 or more..............................................................................
c. Time deposits of less than $100,000............................................................................
12. Interest-bearing deposits in foreign offices, EDGE and Agreement subsidiaries, and
IBFs........................................................................................................................................
13. Federal funds purchased and securities sold under agreements to repurchase..............
14. Other borrowed money (includes mortgage indebtedness and obligations under capitalized
leases)....................................................................................................................................

RCFD3381

47,064,000 1.

RCFDB558

RCFDB559

0 3.

RCFDB560

2.

4.

RCFD3365

2,899,000 5.
6.
6.a.

RCON3360

41,493,000 6.a.1.
6.a.2.

RCON3465
RCON3466
RCON3386
RCON3387

5,070,000 6.a.2.a.
5,313,000 6.a.2.b.
5,000 6.a.3.
12,395,000 6.a.4.
6.a.5.

RCONB561
RCONB562

0 6.a.5.a.
1,401,000
6.a.5.b.

RCFN3360
RCFD3401

0 6.b.
28,725,000 7.

RCFD3484

0 8.

RCFD3368

129,150,000 9.

RCON3485

701,000
10.
11.

RCONA514

50,081,000 11.a.
3,548,000 11.b.

RCONA529

27,952,000 11.c.

RCONB563

RCFN3404

379,000
12.

RCFD3353

6,857,000 13.

RCFD3355

2,146,000
14.

Schedule RC-L - Derivatives and Off-Balance Sheet Items


Dollar amounts in thousands

1. Unused commitments:
a. Revolving, open-end lines secured by 1-4 family residential properties, i.e., home
equity lines........................................................................................................................
1. Unused commitments for Home Equity Conversion Mortgage (HECM) reverse
mortgages outstanding that are held for investment in domestic offices (included in
item 1.a above)...........................................................................................................
2. Unused commitments for proprietary reverse mortgages outstanding that are held
for investment in domestic offices (included in item 1.a above)..................................
b. Credit card lines (Sum of items 1.b.(1) and 1.b.(2) must equal item 1.b)......................
1. Unused consumer credit card lines.........................................................................
2. Other unused credit card lines................................................................................

1.

RCFD3814

15,000
1.a.

RCONJ477

0
1.a.1.

RCONJ478

RCFD3815
RCFDJ455

0 1.b.
0 1.b.1.

RCFDJ456

0 1.b.2.

1.a.2.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
32

Dollar amounts in thousands

c. Commitments to fund commercial real estate, construction, and land development


loans:
1. Secured by real estate:
a. 1-4 family residential construction loan commitments.......................................
b. Commercial real estate, other construction loan, and land development loan
commitments.........................................................................................................
2. Not secured by real estate......................................................................................
d. Securities underwriting.................................................................................................
e. Other unused commitments:
1. Commercial and industrial loans.............................................................................
2. Loans to financial institutions..................................................................................
3. All other unused commitments................................................................................
2. Financial standby letters of credit and foreign office guarantees........................................
a. Amount of financial standby letters of credit conveyed to others..................................
3. Performance standby letters of credit and foreign office guarantees..................................
a. Amount of performance standby letters of credit conveyed to others...........................
4. Commercial and similar letters of credit.............................................................................
5. Not applicable
6. Securities lent and borrowed:
a. Securities lent (including customers' securities lent where the customer is indemnified
against loss by the reporting bank)...................................................................................
b. Securities borrowed......................................................................................................

1.c.
1.c.1.

RCFDF164
RCFDF165

7,000 1.c.1.a.
3,268,000
1.c.1.b.

RCFD6550
RCFD3817

59,000 1.c.2.
0 1.d.
1.e.

RCFDJ457
RCFDJ458
RCFDJ459
RCFD3819
RCFD3820
RCFD3821
RCFD3822
RCFD3411

66,888,000 1.e.1.
13,510,000 1.e.2.
4,409,000 1.e.3.
3,857,000 2.
1,197,000 2.a.
1,000 3.
0 3.a.
0 4.
5.
6.

RCFD3433

34,403,000
6.a.

RCFD3432

0 6.b.

Schedule RC-L - Derivatives and Off-Balance Sheet Items


Dollar amounts in thousands

7. Credit derivatives:
a. Notional amounts:
1. Credit default swaps..................................................................
2. Total return swaps......................................................................
3. Credit options.............................................................................
4. Other credit derivatives..............................................................
b. Gross fair values:
1. Gross positive fair value.............................................................
2. Gross negative fair value...........................................................

(Column A) Sold
Protection

(Column B) Purchased
Protection
7.
7.a.

RCFDC968

72,831,000 RCFDC969

RCFDC970

2,036,000 RCFDC971

RCFDC972

50,000 RCFDC973

RCFDC974

0 RCFDC975

RCFDC219

1,615,000 RCFDC221

RCFDC220

700,000 RCFDC222

90,306,000 7.a.1.
2,170,000 7.a.2.
274,000 7.a.3.
154,000 7.a.4.
7.b.

1,385,000 7.b.1.
1,911,000 7.b.2.

Schedule RC-L - Derivatives and Off-Balance Sheet Items


Dollar amounts in thousands

c. Notional amounts by regulatory capital treatment:


1. Positions covered under the Market Risk Rule:
a. Sold protection........................................................................................................
b. Purchased protection..............................................................................................
2. All other positions:
a. Sold protection........................................................................................................
b. Purchased protection that is recognized as a guarantee for regulatory capital
purposes.....................................................................................................................
c. Purchased protection that is not recognized as a guarantee for regulatory capital
purposes.....................................................................................................................

7.c.
7.c.1.

RCFDG402

41,760,000 7.c.1.a.
45,106,000 7.c.1.b.

RCFDG403

33,157,000 7.c.2.a.

RCFDG401

7.c.2.

RCFDG404

1,723,000
7.c.2.b.

RCFDG405

46,075,000
7.c.2.c.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
33

Schedule RC-L - Derivatives and Off-Balance Sheet Items


(Column A)
(Column B)
(Column C)
Remaining
Remaining
Remaining
Maturity of One Maturity of Over Maturity of Over
Year or Less
One Year
Five Years
Through Five
Years
Dollar amounts in thousands
d. Notional amounts by remaining maturity:

7.d.

1. Sold credit protection:

7.d.1.

RCFDG406

a. Investment grade...................................................................

5,923,000
RCFDG409

b. Subinvestment grade.............................................................

11,009,000

RCFDG407

31,265,000
RCFDG410

20,424,000

RCFDG408

3,096,000 7.d.1.a.
RCFDG411

3,200,000 7.d.1.b.

2. Purchased credit protection:

7.d.2.

RCFDG412

a. Investment grade...................................................................

8,900,000
RCFDG415

b. Subinvestment grade.............................................................

11,776,000

RCFDG413

39,864,000
RCFDG416

21,835,000

RCFDG414

5,920,000 7.d.2.a.
RCFDG417

4,609,000 7.d.2.b.

Schedule RC-L - Derivatives and Off-Balance Sheet Items


Dollar amounts in thousands

8. Spot foreign exchange contracts........................................................................................


9. All other off-balance sheet liabilities (exclude derivatives) (itemize and describe each
component of this item over 25% of Schedule RC, item 27.a, "Total bank equity capital").....
a. Not applicable
b. Commitments to purchase when-issued securities.......................................................
c. Standby letters of credit issued by another party (e.g., a Federal Home Loan Bank)
on the bank's behalf..........................................................................................................
d. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
e. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
f. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
10. All other off-balance sheet assets (exclude derivatives) (itemize and describe each
component of this item over 25% of Schedule RC, item 27.a, "Total bank equity capital").....
a. Commitments to sell when-issued securities................................................................
b. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
c. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
d. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................

RCFD8765
RCFD3430

16,489,000 8.
0
9.
9.a.

RCFD3434

0 9.b.

RCFDC978

0
9.c.
9.d.

TEXT3555

9.d.1.

RCFD3555

0 9.d.2.
9.e.

TEXT3556

9.e.1.

RCFD3556

0 9.e.2.
9.f.

TEXT3557

9.f.1.

RCFD3557

0 9.f.2.

RCFD5591

RCFD3435

0 10.a.

10.

10.b.

TEXT5592

10.b.1.

RCFD5592

0 10.b.2.
10.c.

TEXT5593

10.c.1.

RCFD5593

0 10.c.2.
10.d.

TEXT5594

10.d.1.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
34

Dollar amounts in thousands

2. Amount of component.............................................................................................
e. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
11. Year-to-date merchant credit card sales volume:
a. Sales for which the reporting bank is the acquiring bank.............................................
b. Sales for which the reporting bank is the agent bank with risk.....................................

RCFD5594

0 10.d.2.
10.e.

TEXT5595

10.e.1.

RCFD5595

0 10.e.2.

RCFDC223

0 11.a.
0 11.b.

11.

RCFDC224

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
35

Schedule RC-L - Derivatives and Off-Balance Sheet Items


(Column A) Interest (Column B) Foreign (Column C) Equity
Rate Contracts
Exchange
Derivative
Contracts
Contracts
Dollar amounts in thousands

(Column D)
Commodity and
Other Contracts

12. Gross amounts (e.g., notional amounts):

12.

RCFD8693

a. Futures contracts.............................................................................................

RCFD8694

1,502,901,000
RCFD8697

b. Forward contracts............................................................................................

RCFD8695

0
RCFD8698

4,783,778,000

RCFD8696

0
RCFD8699

389,767,000

0 12.a.
RCFD8700

0 12.b.

c. Exchange-traded option contracts:

12.c.

RCFD8701

1. Written options...........................................................................................

RCFD8702

577,188,000
RCFD8705

2. Purchased options.....................................................................................

RCFD8703

0
RCFD8706

571,294,000

RCFD8704

0
RCFD8707

0 12.c.1.
RCFD8708

0 12.c.2.

d. Over-the-counter option contracts:

12.d.

RCFD8709

1. Written options...........................................................................................

RCFD8710

2,885,903,000
RCFD8713

2. Purchased options.....................................................................................

73,010,000
RCFD8714

3,163,425,000
RCFD3450

e. Swaps..............................................................................................................

RCFD8711

78,042,000
RCFD3826

29,831,681,000
RCFDA126

43,291,658,000

14. Total gross notional amount of derivative contracts held for purposes other than
trading.......................................................................................................................

RCFD8725

1,632,713,000

46,660,000
RCFD8723

2,173,532,000
RCFD8726

24,512,000

5,238,000
RCFD8719

RCFDA127

13. Total gross notional amount of derivative contracts held for trading....................

1,262,000
RCFD8715

52,680,000
RCFD8727

RCFD8712

282,000 12.d.1.
RCFD8716

337,000 12.d.2.
RCFD8720

7,645,000 12.e.
RCFD8724

8,264,000 13.
RCFD8728

480,000

0 14.

RCFDA589

a. Interest rate swaps where the bank has agreed to pay a fixed rate................

14.a.

15. Gross fair values of derivative contracts:

15.

a. Contracts held for trading:

15.a.

RCFD8733

1. Gross positive fair value.............................................................................

708,289,000
RCFD8737

2. Gross negative fair value...........................................................................

675,592,000

RCFD8734

58,176,000
RCFD8738

64,540,000

RCFD8735

792,000
RCFD8739

605,000

RCFD8736

144,000 15.a.1.
RCFD8740

143,000 15.a.2.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
36

(Column A) Interest (Column B) Foreign (Column C) Equity


Rate Contracts
Exchange
Derivative
Contracts
Contracts
Dollar amounts in thousands

(Column D)
Commodity and
Other Contracts

b. Contracts held for purposes other than trading:

15.b.

RCFD8741

1. Gross positive fair value.............................................................................

RCFD8742

371,000
RCFD8745

2. Gross negative fair value...........................................................................

RCFD8743

RCFD8746

28,000

RCFD8744

0 15.b.1.

RCFD8747

RCFD8748

0 15.b.2.

Schedule RC-L - Derivatives and Off-Balance Sheet Items


(Column A)
Banks and
Securities Firms

(Column B)
Monoline
Financial
Guarantors

(Column C)
Hedge Funds

(Column D)
Sovereign
Governments

(Column E)
Corporations and
All Other
Counterparties

RCFDG418

RCFDG419

RCFDG420

RCFDG421

RCFDG422

Dollar amounts in thousands

16. Over-the counter derivatives:


a. Net current credit exposure...............................................................

16.

58,510,000

74,000

324,000

5,844,000 16.a.

b. Fair value of collateral:

16.b.

RCFDG423

1. Cash - U.S. dollar.........................................................................

RCFDG424

39,052,000
RCFDG428

2. Cash - Other currencies..............................................................

4. U.S. Government agency and U.S. Government-sponsored


agency debt securities....................................................................

15,865,000

71,000

6,733,000
RCFDG458

8. Total fair value of collateral (sum of items 16.b.(1) through (7))....

0
RCFDG454

62,449,000

205,000

110,000 16.b.5.
RCFDG452

0
RCFDG456

1,000
RCFDG460

5,000 16.b.4.
RCFDG447

RCFDG451

RCFDG455

RCFDG459

383,000 16.b.3.
RCFDG442

RCFDG446

RCFDG450

35,000 16.b.2.
RCFDG437

3,000

0
RCFDG453

RCFDG441

RCFDG445

950,000 16.b.1.
RCFDG432

RCFDG436

28,000

RCFDG449

22,000

RCFDG440

RCFDG444

111,000

6. Equity securities..........................................................................
7. All other collateral........................................................................

RCFDG427

RCFDG431

RCFDG435

RCFDG439

RCFDG448

176,000

617,000
RCFDG438

RCFDG426

RCFDG430

RCFDG434

RCFDG443

5. Corporate bonds..........................................................................

0
RCFDG429

RCFDG433

3. U.S. Treasury securities...............................................................

RCFDG425

0 16.b.6.
RCFDG457

0
RCFDG461

25,000

539,000 16.b.7.
RCFDG462

2,022,000 16.b.8.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
37

Schedule RC-M - Memoranda


Dollar amounts in thousands

1. Extensions of credit by the reporting bank to its executive officers, directors, principal
shareholders, and their related interests as of the report date:
a. Aggregate amount of all extensions of credit to all executive officers, directors, principal
shareholders, and their related interests..........................................................................
b. Number of executive officers, directors, and principal shareholders to whom the amount
of all extensions of credit by the reporting bank (including extensions of credit to related
interests) equals or exceeds the lesser of $500,000 or 5 percent of total capital as defined
for this purpose in agency regulations..............................................................................
2. Intangible assets other than goodwill:
a. Mortgage servicing assets............................................................................................
1. Estimated fair value of mortgage servicing assets..................................................
b. Purchased credit card relationships and nonmortgage servicing assets......................
c. All other identifiable intangible assets...........................................................................
d. Total (sum of items 2.a, 2.b, and 2.c) (must equal Schedule RC, item 10.b)................
3. Other real estate owned:
a. Construction, land development, and other land in domestic offices............................
b. Farmland in domestic offices........................................................................................
c. 1-4 family residential properties in domestic offices.....................................................
d. Multifamily (5 or more) residential properties in domestic offices.................................
e. Nonfarm nonresidential properties in domestic offices.................................................
f. Foreclosed properties from "GNMA loans"....................................................................
g. In foreign offices............................................................................................................
h. Total (sum of items 3.a through 3.g) (must equal Schedule RC, item 7).......................
4. Not applicable
5. Other borrowed money:
a. Federal Home Loan Bank advances:
1. Advances with a remaining maturity or next repricing date of:
a. One year or less................................................................................................
b. Over one year through three years....................................................................
c. Over three years through five years...................................................................
d. Over five years...................................................................................................
2. Advances with a remaining maturity of one year or less (included in item 5.a.(1)(a)
above).........................................................................................................................
3. Structured advances (included in items 5.a.(1)(a) - (d) above)...............................
b. Other borrowings:
1. Other borrowings with a remaining maturity of next repricing date of:
a. One year or less................................................................................................
b. Over one year through three years....................................................................
c. Over three years through five years...................................................................
d. Over five years...................................................................................................
2. Other borrowings with a remaining maturity of one year or less (included in item
5.b.(1)(a) above).........................................................................................................
c. Total (sum of items 5.a.(1)(a)-(d) and items 5.b.(1)(a)-(d)) (must equal Schedule RC,
item 16).............................................................................................................................
6. Does the reporting bank sell private label or third party mutual funds and annuities?.......
7. Assets under the reporting bank's management in proprietary mutual funds and annuities.
8. Internet Web site addresses and physical office trade names:
a. Uniform Resource Locator (URL) of the reporting institution's primary Internet Web
site (home page), if any (Example: www.examplebank.com):..........................................
b. URLs of all other public-facing Internet Web sites that the reporting institution uses to
accept or solicit deposits from the public, if any (Example: www.examplebank.biz):

1.

RCFD6164

0
1.a.

RCFD6165

0
1.b.
2.

RCFD3164
RCFDA590

0 2.a.
0 2.a.1.

RCFD5507

0 2.b.
0 2.c.

RCFD0426

0 2.d.

RCON5508

0 3.a.
0 3.b.

RCFDB026

3.

RCON5509
RCON5510
RCON5511
RCON5512
RCONC979
RCFN5513
RCFD2150

0 3.c.
0 3.d.
0 3.e.
0 3.f.
0 3.g.
0 3.h.
4.
5.
5.a.
5.a.1.

RCFDF055
RCFDF056

1,497,000 5.a.1.a.
0 5.a.1.b.

RCFDF058

0 5.a.1.c.
0 5.a.1.d.

RCFD2651

RCFDF059

0 5.a.3.

RCFDF057

5.a.2.

5.b.
5.b.1.

RCFDF060
RCFDF061
RCFDF062
RCFDF063
RCFDB571

263,000 5.b.1.a.
0 5.b.1.b.
0 5.b.1.c.
0 5.b.1.d.
179,000
5.b.2.

RCFD3190

1,760,000
5.c.

RCFDB569
RCFDB570

No 6.
0 7.
8.

TEXT4087
8.a.
8.b.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
38

Dollar amounts in thousands

1. URL 1......................................................................................................................
2. URL 2......................................................................................................................
3. URL 3......................................................................................................................
4. URL 4......................................................................................................................
5. URL 5......................................................................................................................
6. URL 6......................................................................................................................
7. URL 7......................................................................................................................
8. URL 8......................................................................................................................
9. URL 9......................................................................................................................
10. URL 10..................................................................................................................
c. Trade names other than the reporting institution's legal title used to identify one or
more of the institution's physical offices at which deposits are accepted or solicited from
the public, if any:
1. Trade name 1..........................................................................................................
2. Trade name 2..........................................................................................................
3. Trade name 3..........................................................................................................
4. Trade name 4..........................................................................................................
5. Trade name 5..........................................................................................................
6. Trade name 6..........................................................................................................
9. Do any of the bank's Internet Web sites have transactional capability, i.e., allow the bank's
customers to execute transactions on their accounts through the Web site?.........................
10. Secured liabilities:
a. Amount of "Federal funds purchased in domestic offices" that are secured (included
in Schedule RC, item 14.a)...............................................................................................
b. Amount of "Other borrowings" that are secured (included in Schedule RC-M, items
5.b.(1)(a) - (d))..................................................................................................................
11. Does the bank act as trustee or custodian for Individual Retirement Accounts, Health
Savings Accounts, and other similar accounts?.....................................................................
12. Does the bank provide custody, safekeeping, or other services involving the acceptance
of orders for the sale or purchase of securities?....................................................................
13. Assets covered by loss-sharing agreements with the FDIC:
a. Loans and leases (included in Schedule RC, items 4.a and 4.b):
1. Loans secured by real estate in domestic offices:
a. Construction, land development, and other land loans:
1. 1-4 family residential construction loans......................................................
2. Other construction loans and all land development and other land loans....
b. Secured by farmland..........................................................................................
c. Secured by 1-4 family residential properties:
1. Revolving, open-end loans secured by 1-4 family residential properties and
extended under lines of credit..........................................................................
2. Closed-end loans secured by 1-4 family residential properties:
a. Secured by first liens..............................................................................
b. Secured by junior liens...........................................................................
d. Secured by multifamily (5 or more) residential properties.................................
e. Secured by nonfarm nonresidential properties:
1. Loans secured by owner-occupied nonfarm nonresidential properties.......
2. Loans secured by other nonfarm nonresidential properties.........................
2. Loans to finance agricultural production and other loans to farmers......................
3. Commercial and industrial loans.............................................................................
4. Loans to individuals for household, family, and other personal expenditures:
a. Credit cards.......................................................................................................
b. Automobile loans...............................................................................................

TE01N528

8.b.1.

TE02N528

8.b.2.

TE03N528

8.b.3.

TE04N528

8.b.4.

TE05N528

8.b.5.

TE06N528

8.b.6.

TE07N528

8.b.7.

TE08N528

8.b.8.

TE09N528

8.b.9.

TE10N528

8.b.10.

8.c.

TE01N529

8.c.1.

TE02N529

8.c.2.

TE03N529

8.c.3.

TE04N529

8.c.4.

TE05N529

8.c.5.

TE06N529

8.c.6.

RCFD4088

No
9.
10.

RCONF064

0
10.a.

RCFDF065

85,000
10.b.

RCONG463

No
11.

RCONG464

No
12.
13.
13.a.
13.a.1.
13.a.1.a.

RCONK170

0 13.a.1.a.1.
0 13.a.1.a.2.

RCONK171

0 13.a.1.b.

RCONK169

13.a.1.c.

RCONK172

0
13.a.1.c.1.
13.a.1.c.2.

RCONK174

0 13.a.1.c.2.a.
0 13.a.1.c.2.b.

RCONK175

0 13.a.1.d.

RCONK176

0 13.a.1.e.1.
0 13.a.1.e.2.

RCONK173

13.a.1.e.

RCONK177
RCFDK178
RCFDK179

0 13.a.2.
0 13.a.3.
13.a.4.

RCFDK180
RCFDK181

0 13.a.4.a.
0 13.a.4.b.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
39

Dollar amounts in thousands

c. Other (includes revolving credit plans other than credit cards and other consumer
loans).....................................................................................................................
5. All other loans and all leases..................................................................................
a. Loans to depository institutions and acceptances of other banks.....................
b. Loans to foreign governments and official institutions.......................................
c. Other loans........................................................................................................
d. Lease financing receivables..............................................................................
e. Loans secured by real estate in foreign offices.................................................
b. Other real estate owned (included in Schedule RC, item 7):
1. Construction, land development, and other land in domestic offices......................
2. Farmland in domestic offices..................................................................................
3. 1-4 family residential properties in domestic offices................................................
4. Multifamily (5 or more) residential properties in domestic offices...........................
5. Nonfarm nonresidential properties in domestic offices...........................................
6. In foreign offices......................................................................................................
7. Portion of covered other real estate owned included in items 13.b.(1) through (6)
above that is protected by FDIC loss-sharing agreements.........................................
c. Debt securities (included in Schedule RC, items 2.a and 2.b)......................................
d. Other assets (exclude FDIC loss-sharing indemnification assets)................................
14. Captive insurance and reinsurance subsidiaries:
a. Total assets of captive insurance subsidiaries..............................................................
b. Total assets of captive reinsurance subsidiaries...........................................................
15. Qualified Thrift Lender (QTL) test:
a. Does the institution use the Home Owners' Loan Act (HOLA) QTL test or the Internal
Revenue Service Domestic Building and Loan Association (IRS DBLA) test to determine
its QTL compliance? (for the HOLA QTL test, enter 1; for the IRS DBLA test, enter 2)....
b. Has the institution been in compliance with the HOLA QTL test as of each month end
during the quarter or the IRS DBLA test for its most recent taxable year, as applicable?.
16. International remittance transfers offered to consumers:
a. As of the report date, did your institution offer to consumers in any state any of the
following mechanisms for sending international remittance transfers?
1. International wire transfers......................................................................................
2. International ACH transactions...............................................................................
3. Other proprietary services operated by your institution...........................................
4. Other proprietary services operated by another party............................................
b. Did your institution provide more than 100 international remittance transfers in the
previous calendar year or does your institution estimate that it will provide more than 100
international remittance transfers in the current calendar year?.......................................
c. Indicate which of the mechanisms described in items 16.a.(1), (2), and (3) above is
the mechanism that your institution estimates accounted for the largest number of
international remittance transfers your institution provided during the two calendar quarters
ending on the report date. (For international wire transfers, enter 1; for international ACH
transactions, enter 2; for other proprietary services operated by your institution, enter 3.
If your institution did not provide any international remittance transfers using the
mechanisms described in items 16.a.(1), (2), and (3) above during the two calendar
quarters ending on the report date, enter 0.)....................................................................
d. Estimated number and dollar value of international remittance transfers provided by
your institution during the two calendar quarters ending on the report date:
1. Estimated number of international remittance transfers..........................................
2. Estimated dollar value of international remittance transfers....................................
3. Estimated number of international remittance transfers for which your institution
applied the temporary exception.................................................................................

RCFDK182

RCFDK183

0 13.a.5.
0 13.a.5.a.

13.a.4.c.

RCFDK184
RCFDK185
RCFDK186
RCFDK273
RCFNK290

0 13.a.5.b.
0 13.a.5.c.
0 13.a.5.d.
0 13.a.5.e.
13.b.

RCONK187
RCONK188
RCONK189
RCONK190

0 13.b.1.
0 13.b.2.
0 13.b.3.
0 13.b.4.

RCFNK260

0 13.b.5.
0 13.b.6.

RCFDK192

RCFDJ461

0 13.c.
0 13.d.

RCONK191

13.b.7.

RCFDJ462

14.

RCFDK193
RCFDK194

0 14.a.
0 14.b.
15.

RCONL133

NR
15.a.

RCONL135

NR
15.b.
16.
16.a.

RCONN517
RCONN518

Yes 16.a.1.
No 16.a.2.

RCONN520

No 16.a.3.
No 16.a.4.

RCONN521

No

RCONN519

16.b.

RCONN522

NR

16.c.
16.d.

RCONN524

NR 16.d.1.
NR 16.d.2.

RCONN527

NR

RCONN523

16.d.3.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
40

Schedule RC-N - Past Due and Nonaccrual Loans Leases and Other Assets
(Column A) Past (Column B) Past
due 30 through due 90 days or
89 days and still more and still
accruing
accruing
Dollar amounts in thousands

(Column C)
Nonaccrual

1. Loans secured by real estate:

1.

a. Construction, land development, and other land loans in domestic


offices:

1.a.

RCONF172

1. 1-4 family residential construction loans................................


2. Other construction loans and all land development and other
land loans..................................................................................

RCONF174

0
RCONF173

0
RCONF175

0
RCON3493

b. Secured by farmland in domestic offices.....................................

RCONF176

0 1.a.1.
RCONF177

0
RCON3494

0 1.a.2.
RCON3495

0 1.b.

c. Secured by 1-4 family residential properties in domestic offices:


1. Revolving, open-end loans secured by 1-4 family residential
properties and extended under lines of credit...........................

1.c.

RCON5398

RCON5399

RCON5400

0 1.c.1.

2. Closed-end loans secured by 1-4 family residential properties:

1.c.2.

RCONC236

a. Secured by first liens........................................................

RCONC237

3,000
RCONC238

b. Secured by junior liens.....................................................


d. Secured by multifamily (5 or more) residential properties in
domestic offices..............................................................................

RCONC229

0
RCONC239

1,000
RCON3499

1,000 1.c.2.a.
RCONC230

0
RCON3500

0 1.c.2.b.
RCON3501

0 1.d.

e. Secured by nonfarm nonresidential properties in domestic offices:


1. Loans secured by owner-occupied nonfarm nonresidential
properties..................................................................................

1.e.

RCONF178

RCONF180

0
RCONF179

2. Loans secured by other nonfarm nonresidential properties...

0
RCONF181

0
RCFNB572

f. In foreign offices...........................................................................

RCONF182

0
RCFNB573

0 1.e.1.
RCONF183

37,000 1.e.2.
RCFNB574

0 1.f.

2. Loans to depository institutions and acceptances of other banks:

2.

RCFD5377

a. To U.S. banks and other U.S. depository institutions...................

RCFD5378

0
RCFD5380

b. To foreign banks..........................................................................

0
RCFD5381

0
RCFD1594

3. Loans to finance agricultural production and other loans to farmers.

RCFD5379

0 2.a.
RCFD5382

0
RCFD1597

0 2.b.
RCFD1583

0 3.

4. Commercial and industrial loans:

4.

RCFD1251

a. To U.S. addressees (domicile).....................................................

RCFD1252

0
RCFD1254

b. To non-U.S. addressees (domicile)..............................................


5. Loans to individuals for household, family, and other personal
expenditures:

RCFD1253

0
RCFD1255

11,000 4.a.
RCFD1256

0 4.b.
5.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
41

(Column A) Past (Column B) Past


due 30 through due 90 days or
89 days and still more and still
accruing
accruing
Dollar amounts in thousands
RCFDB575

a. Credit cards.................................................................................

RCFDB576

0
RCFDK213

b. Automobile loans.........................................................................
c. Other (includes revolving credit plans other than credit cards and
other consumer loans)....................................................................

7. All other loans...................................................................................

0 5.b.
RCFDK218

RCFD5390

RCFD5459

0 5.a.
RCFDK215

RCFDK217

RCFD5389

6. Loans to foreign governments and official institutions......................

RCFDB577

RCFDK214

RCFDK216

(Column C)
Nonaccrual

0 5.c.
RCFD5391

0
RCFD5460

0 6.
RCFD5461

14,000 7.

8. Lease financing receivables:


a. Leases to individuals for household, family, and other personal
expenditures....................................................................................

8.

RCFDF166

RCFDF167

0
RCFDF169

b. All other leases............................................................................


9. Debt securities and other assets (exclude other real estate owned
and other repossessed assets).............................................................
10. Loans and leases reported in items 1 through 8 above that are
wholly or partially guaranteed by the U.S. Government, excluding loans
and leases covered by loss-sharing agreements with the FDIC:..........

0
RCFDF170

0
RCFD3505

b. Rebooked "GNMA loans" that have been repurchased or are


eligible for repurchase included in item 10 above...........................

RCFDK042

0 8.b.
RCFD3507

0
RCFDK037

0
RCFDK039

0 8.a.
RCFDF171

RCFD3506

RCFDK036

a. Guaranteed portion of loans and leases included in item 10 above,


excluding rebooked "GNMA loans".................................................

RCFDF168

0 9.
RCFDK038

0
RCFDK040

0
RCFDK043

0 10.a.
RCFDK044

0 10.b.

11. Loans and leases reported in items 1 through 8 above that are
covered by loss-sharing agreements with the FDIC:

11.

a. Loans secured by real estate in domestic offices:

11.a.

1. Construction, land development, and other land loans:

11.a.1.

RCONK045

a. 1-4 family residential construction loans..........................


b. Other construction loans and all land development and
other land loans...................................................................

RCONK046

0
RCONK048

2. Secured by farmland..............................................................

RCONK047

RCONK049

RCONK051

0 11.a.1.a.
RCONK050

0
RCONK052

0 11.a.1.b.
RCONK053

0 11.a.2.

3. Secured by 1-4 family residential properties:


a. Revolving, open-end loans secured by 1-4 family
residential properties and extended under lines of credit.....

11.a.3.

RCONK054

RCONK055

RCONK056

0 11.a.3.a.

b. Closed-end loans secured by 1-4 family residential


properties:

11.a.3.b.

RCONK057

1. Secured by first liens..................................................

RCONK058

0
RCONK060

2. Secured by junior liens...............................................

10.

RCFDK041

RCONK059

0
RCONK061

0 11.a.3.b.1.
RCONK062

0 11.a.3.b.2.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
42

(Column A) Past (Column B) Past


due 30 through due 90 days or
89 days and still more and still
accruing
accruing
Dollar amounts in thousands
RCONK063

4. Secured by multifamily (5 or more) residential properties.....

RCONK064

(Column C)
Nonaccrual

RCONK065

0 11.a.4.

5. Secured by nonfarm nonresidential properties:

11.a.5.

a. Loans secured by owner-occupied nonfarm nonresidential


properties.............................................................................

RCONK066

b. Loans secured by other nonfarm nonresidential


properties.............................................................................

RCONK069

b. Loans to finance agricultural production and other loans to


farmers............................................................................................

RCFDK072

RCONK067

0
RCONK070

0 11.a.5.a.
RCONK071

0
RCFDK073

0
RCFDK075

c. Commercial and industrial loans.................................................

RCONK068

0 11.a.5.b.
RCFDK074

0
RCFDK076

0 11.b.
RCFDK077

0 11.c.

d. Loans to individuals for household, family, and other personal


expenditures:

11.d.

RCFDK078

1. Credit cards...........................................................................

RCFDK079

0
RCFDK081

2. Automobile loans...................................................................
3. Other (includes revolving credit plans other than credit cards
and other consumer loans)........................................................

0
0

3. Other loans............................................................................

4. Lease financing receivables..................................................

5. Loans secured by real estate in foreign offices.....................

0 11.e.3.
RCFDK272

0
RCFNK292

0
RCFDK102

0 11.e.2.
RCFDK101

RCFDK271

RCFNK291

0 11.e.1.
RCFDK097

RCFDK100

RCFDK269

0 11.e.
RCFDK093

RCFDK096

RCFDK099

0 11.d.3.
RCFDK089

RCFDK092

2. Loans to foreign governments and official institutions...........

0 11.d.2.
RCFDK086

RCFDK088

RCFDK095

f. Portion of covered loans and leases included in items 11.a through


11.e above that is protected by FDIC loss-sharing agreements.....
1. Loans restructured in troubled debt restructurings included in
Schedule RC-N, items 1 through 7, above (and not reported in Schedule
RC-C, Part 1, Memorandum item 1):

RCFDK091

0 11.d.1.
RCFDK083

RCFDK085

RCFDK087

1. Loans to depository institutions and acceptances of other


banks.........................................................................................

0
RCFDK082

RCFDK084

e. All other loans and all leases.......................................................

RCFDK080

0 11.e.4.
RCFNK293

0
RCFDK103

0 11.e.5.
RCFDK104

0 11.f.

M.1.

a. Construction, land development, and other land loans in domestic


offices:

M.1.a.

RCONK105

1. 1-4 family residential construction loans................................

RCONK106

2. Other construction loans and all land development and other


land loans..................................................................................

RCONK108

b. Loans secured by 1-4 family residential properties in domestic


offices..............................................................................................

RCONF661

c. Secured by multifamily (5 or more) residential properties in


domestic offices..............................................................................

RCONK111

RCONK107

0
RCONK109

0
RCONF662

0 M.1.a.2.
RCONF663

0
RCONK112

0 M.1.a.1.
RCONK110

0 M.1.b.
RCONK113

0 M.1.c.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
43

(Column A) Past (Column B) Past


due 30 through due 90 days or
89 days and still more and still
accruing
accruing
Dollar amounts in thousands

(Column C)
Nonaccrual

d. Secured by nonfarm nonresidential properties in domestic offices:


1. Loans secured by owner-occupied nonfarm nonresidential
properties..................................................................................

M.1.d.

RCONK114

RCONK115

0
RCONK117

2. Loans secured by other nonfarm nonresidential properties...

RCONK116

0
RCONK118

0 M.1.d.1.
RCONK119

0 M.1.d.2.

e. Commercial and industrial loans:

M.1.e.

RCFDK120

1. To U.S. addressees (domicile)...............................................

RCFDK121

0
RCFDK123

2. To non-U.S. addressees (domicile)........................................


f. All other loans (include loans to individuals for household, family,
and other personal expenditures)...................................................

0
RCFDK124

0
RCFDK126

2. Loans to depository institutions and acceptances of other


banks.........................................................................................
3. Loans to finance agricultural production and other loans to
farmers......................................................................................

RCFDK138

0 M.1.e.2.
RCFDK128

0
RCONK131

0
RCFDK134

0 M.1.e.1.
RCFDK125

RCFDK127

RCONK130

1. Loans secured by farmland in domestic offices.....................

RCFDK122

0 M.1.f.
RCONK132

0
RCFDK135

0 M.1.f.1.
RCFDK136

0
RCFDK139

0 M.1.f.2.
RCFDK140

0 M.1.f.3.

4. Loans to individuals for household, family, and other personal


expenditures:

M.1.f.4.

RCFDK274

a. Credit cards......................................................................

RCFDK275

0
RCFDK277

b. Automobile loans..............................................................
c. Other (includes revolving credit plans other than credit
cards and other consumer loans)........................................

0
0

0 M.1.f.6.
RCFNK296

0
RCFD6559

0
RCFD1248

0 M.1.f.5.
RCFDK288

RCFNK295

RCFD6558

0 M.1.f.4.c.
RCFDK285

RCFDK287

RCFNK294

0 M.1.f.4.b.
RCFDK282

RCFDK284

6. Other loans............................................................................

3. Loans secured by real estate to non-U.S. addressees (domicile)


(included in Schedule RC-N, item 1, above).........................................

RCFDK286

0 M.1.f.4.a.
RCFDK279

RCFDK281

RCFDK283

7. Loans secured by real estate in foreign offices.....................


2. Loans to finance commercial real estate, construction, and land
development activities (not secured by real estate) included in Schedule
RC-N, items 4 and 7, above..................................................................

0
RCFDK278

RCFDK280

5. Loans to foreign governments and official institutions...........

RCFDK276

0 M.1.f.7.
RCFD6560

0
RCFD1249

0 M.3.

4. Not applicable

M.4.

5. Loans and leases held for sale and loans measured at fair value
(included in Schedule RC-N, items 1 through 8, above):

M.5.

RCFDC240

a. Loans and leases held for sale....................................................


b. Loans measured at fair value:

M.2.

RCFD1250

RCFDC241

RCFDC226

0 M.5.a.
M.5.b.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
44

(Column A) Past (Column B) Past


due 30 through due 90 days or
89 days and still more and still
accruing
accruing
Dollar amounts in thousands
RCFDF664

1. Fair value...............................................................................

RCFDF665

4,000
RCFDF667

2. Unpaid principal balance.......................................................

(Column C)
Nonaccrual

RCFDF666

1,000 M.5.b.1.

RCFDF668

5,000

RCFDF669

7,000 M.5.b.2.

Schedule RC-N - Past Due and Nonaccrual Loans Leases and Other Assets
Dollar amounts in thousands

6. Derivative contracts: Fair value of amounts carried as assets..............

(Column A) Past due 30 (Column B) Past due 90


through 89 days
days or more
0 RCFD3530

RCFD3529

0 M.6.

Schedule RC-N - Past Due and Nonaccrual Loans Leases and Other Assets
Dollar amounts in thousands

7. Additions to nonaccrual assets during the quarter.............................................................


8. Nonaccrual assets sold during the quarter.........................................................................

6,000 M.7.
1,000 M.8.

RCFDC410
RCFDC411

Schedule RC-N - Past Due and Nonaccrual Loans Leases and Other Assets
(Column A) Past (Column B) Past
due 30 through due 90 days or
89 days and still more and still
accruing
accruing
Dollar amounts in thousands

(Column C)
Nonaccrual

9. Purchased credit-impaired loans accounted for in accordance with


FASB ASC 310-30 (former AICPA Stament of Position 03-3):

M.9.

RCFDL183

a. Outstanding balance...................................................................

RCFDL184

0
RCFDL186

b. Amount included in Schedule RC-N, items 1 through 7, above...

RCFDL185

0
RCFDL187

0 M.9.a.
RCFDL188

0 M.9.b.

Schedule RC-O - Other Data for Deposit Insurance and FICO Assessments
Dollar amounts in thousands

1. Total deposit liabilities before exclusions (gross) as defined in Section 3(l) of the Federal
Deposit Insurance Act and FDIC regulations.........................................................................
2. Total allowable exclusions, including interest accrued and unpaid on allowable exclusions
(including foreign deposits)....................................................................................................
3. Total foreign deposits, including interest accrued and unpaid thereon (included in item 2
above)....................................................................................................................................
4. Average consolidated total assets for the calendar quarter................................................
a. Averaging method used (for daily averaging, enter 1; for weekly averaging, enter 2)....
5. Average tangible equity for the calendar quarter................................................................
6. Holdings of long-term unsecured debt issued by other FDIC-insured depository
institutions..............................................................................................................................
7. Unsecured "Other borrowings" with a remaining maturity of (sum of items 7.a through 7.d
must be less than or equal to Schedule RC-M, items 5.b.(1)(a)-(d) minus item 10.b):
a. One year or less............................................................................................................
b. Over one year through three years...............................................................................
c. Over three years through five years..............................................................................

RCFDF236

78,258,000
1.

RCFDF237

285,000
2.

RCFNF234

285,000

RCFDK652
RCFDK653

129,150,000 4.
1 4.a.

RCFDK654

21,865,000 5.

3.

RCFDK655

0
6.
7.

RCFDG466

178,000 7.a.
0 7.b.

RCFDG467

0 7.c.

RCFDG465

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
45

Dollar amounts in thousands

d. Over five years..............................................................................................................


8. Subordinated notes and debentures with a remaining maturity of (sum of items 8.a through
8.d must equal Schedule RC, item 19):
a. One year or less............................................................................................................
b. Over one year through three years...............................................................................
c. Over three years through five years..............................................................................
d. Over five years..............................................................................................................
9. Reciprocal brokered deposits (included in Schedule RC-E, part I, Memorandum item
1.b).........................................................................................................................................
a. Fully consolidated reciprocal brokered deposits...........................................................
10. Banker's bank certification: Does the reporting institution meet both the statutory definition
of a banker's bank and the business conduct test set forth in FDIC regulations? If the answer
to item 10 is "YES," complete items 10.a and 10.b................................................................
a. Banker's bank deduction...............................................................................................
b. Banker's bank deduction limit.......................................................................................
11. Custodial bank certification: Does the reporting institution meet the definition of a custodial
bank set forth in FDIC regulations? If the answer to item 11 is "YES," complete items 11.a
and 11.b.................................................................................................................................
a. Custodial bank deduction.............................................................................................
b. Custodial bank deduction limit......................................................................................
1. Total deposit liabilities of the bank (including related interest accrued and unpaid) less
allowable exclusions (including related interest accrued and unpaid) (sum of Memorandum
items 1.a.(1), 1.b.(1), 1.c.(1), and 1.d.(1) must equal Schedule RC-O, item 1 less item 2):
a. Deposit accounts (excluding retirement accounts) of $250,000 or less:
1. Amount of deposit accounts (excluding retirement accounts) of $250,000 or less..
2. Number of deposit accounts (excluding retirement accounts) of $250,000 or less..
b. Deposit accounts (excluding retirement accounts) of more than $250,000:
1. Amount of deposit accounts (excluding retirement accounts) of more than
$250,000.....................................................................................................................
2. Number of deposit accounts (excluding retirement accounts) of more than
$250,000.....................................................................................................................
c. Retirement deposit accounts of $250,000 or less:
1. Amount of retirement deposit accounts of $250,000 or less...................................
2. Number of retirement deposit accounts of $250,000 or less...................................
d. Retirement deposit accounts of more than $250,000:
1. Amount of retirement deposit accounts of more than $250,000.............................
2. Number of retirement deposit accounts of more than $250,000.............................
2. Estimated amount of uninsured deposits in domestic offices of the bank and in insured
branches in Puerto Rico and U.S. territories and possessions, including related interest
accrued and unpaid (see instructions)...................................................................................
3. Has the reporting institution been consolidated with a parent bank or savings association
in that parent bank's or parent savings association's Call Report? If so, report the legal title
and FDIC Certificate Number of the parent bank or parent savings association:
a. Legal title......................................................................................................................
b. FDIC Certificate Number..............................................................................................
4. Not applicable
5. Not applicable
6. Criticized and classified items:
a. Special mention............................................................................................................
b. Substandard..................................................................................................................
c. Doubtful.........................................................................................................................
d. Loss..............................................................................................................................

RCFDG468

0 7.d.

RCFDG469

0 8.a.
0 8.b.

8.

RCFDG470
RCFDG471
RCFDG472
RCONG803

0 8.c.
2,000,000 8.d.
0
9.

RCONL190

NR 9.a.

RCFDK656

No

RCFDK657
RCFDK658

NR 10.a.
NR 10.b.

RCFDK659

No

RCFDK660

NR 11.a.
NR 11.b.

10.

11.

RCFDK661

M.1.
M.1.a.

RCONF049
RCONF050

41,017,000 M.1.a.1.
1308249 M.1.a.2.
M.1.b.

RCONF051

29,942,000
M.1.b.1.

RCONF052

12720
M.1.b.2.
M.1.c.

RCONF045
RCONF046

6,600,000 M.1.c.1.
923304 M.1.c.2.
M.1.d.

RCONF047
RCONF048
RCON5597

414,000 M.1.d.1.
887 M.1.d.2.
26,919,000
M.2.

M.3.

TEXTA545

M.3.a.

RCONA545

0 M.3.b.
M.4.
M.5.
M.6.

RCFDK663
RCFDK664
RCFDK665
RCFDK666

CONF M.6.a.
CONF M.6.b.
CONF M.6.c.
CONF M.6.d.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
46

Dollar amounts in thousands

7. "Nontraditional 1-4 family residential mortgage loans" as defined for assessment purposes
only in FDIC regulations:
a. Nontraditional 1-4 family residential mortgage loans....................................................
b. Securitizations of nontraditional 1-4 family residential mortgage loans........................
8. "Higher-risk consumer loans" as defined for assessment purposes only in FDIC regulations:
a. Higher-risk consumer loans..........................................................................................
b. Securitizations of higher-risk consumer loans..............................................................
9. "Higher-risk commercial and industrial loans and securities" as defined for assessment
purposes only in FDIC regulations:
a. Higher-risk commercial and industrial loans and securities..........................................
b. Securitizations of higher-risk commercial and industrial loans and securities..............
10. Commitments to fund construction, land development, and other land loans secured by
real estate for the consolidated bank:
a. Total unfunded commitments........................................................................................
b. Portion of unfunded commitments guaranteed or insured by the U.S. government
(including the FDIC)..........................................................................................................
11. Amount of other real estate owned recoverable from the U.S. government under guarantee
or insurance provisions (excluding FDIC loss-sharing agreements)......................................
12. Nonbrokered time deposits of more than $250,000 in domestic offices (included in
Schedule RC-E, Memorandum item 2.d)...............................................................................
13. Portion of funded loans and securities in domestic and foreign offices guaranteed or
insured by the U.S. government (including FDIC loss-sharing agreements):
a. Construction, land development, and other land loans secured by real estate............
b. Loans secured by multifamily residential and nonfarm nonresidential properties.........
c. Closed-end loans secured by first liens on 1-4 family residential properties................
d. Closed-end loans secured by junior liens on 1-4 family residential properties and
revolving, open-end loans secured by 1-4 family residential properties and extended
under lines of credit..........................................................................................................
e. Commercial and industrial loans...................................................................................
f. Credit card loans to individuals for household, family, and other personal expenditures.
g. All other loans to individuals for household, family, and other personal expenditures...
h. Non-agency residential mortgage-backed securities....................................................
14. Amount of the institution's largest counterparty exposure................................................
15. Total amount of the institution's 20 largest counterparty exposures.................................
16. Portion of loans restructured in troubled debt restructurings that are in compliance with
their modified terms and are guaranteed or insured by the U.S. government (including the
FDIC) (included in Schedule RC-C, part I, Memorandum item 1)..........................................
17. Selected fully consolidated data for deposit insurance assessment purposes:
a. Total deposit liabilities before exclusions (gross) as defined in Section 3(l) of the Fderal
Deposit Insurance Act and FDIC regulations...................................................................
b. Total allowable exclusions, including interest accrued and unpaid on allowable
exclusions (including foreign deposits).............................................................................
c. Unsecured "Other borrowings" with a remaining maturity of one year or less..............
d. Estimated amount of uninsured deposits in domestic offices of the institution and in
insured branches in Puerto Rico and U.S. territories and possessions, including related
interest accrued and unpaid.............................................................................................

M.7.

RCFDN025
RCFDN026

CONF M.7.a.
CONF M.7.b.
M.8.

RCFDN027
RCFDN028

CONF M.8.a.
CONF M.8.b.
M.9.

RCFDN030

CONF M.9.a.
CONF M.9.b.

RCFDK676

102,000 M.10.a.

RCFDK677

RCFDN029

M.10.

M.10.b.

RCFDK669

0
M.11.

RCONK678

2,000,000
M.12.
M.13.

RCFDN177

0 M.13.a.

RCFDN178

M.13.b.

RCFDN179

M.13.c.

RCFDN180
M.13.d.

RCFDN181

M.13.e.

RCFDN182

M.13.f.

RCFDN183

M.13.g.

RCFDM963

M.13.h.

RCFDK674

CONF M.14.
CONF M.15.

RCFDL189

RCFDK673

M.16.
M.17.

RCFDL194

NR
M.17.a.

RCFDL195

NR

RCFDL196

NR M.17.c.

RCONL197

NR

M.17.b.

M.17.d.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
47

Schedule RC-O - Other Data for Deposit Insurance and FICO Assessments
(Column
A)
Two-Year
Probability
of
Default
(PD) <=
1%
Dollar amounts in thousands
18. Outstanding balance of 1-4
family residential mortgage loans,
consumer loans, and consumer
leases by two-year probability of
default:
RCFDM964
a. "Nontraditional 1-4 family
residential mortgage loans" as
defined for assessment
CONF
purposes only in FDIC
regulations................................
b. Closed-end loans secured by RCFDM979
first liens on 1-4 family
CONF
residential properties................
c. Closed-end loans secured by RCFDM994
junior liens on 1-4 family
CONF
residential properties................
d. Revolving, open-end loans RCFDN010
secured by 1-4 family residential
properties and extended under
CONF
lines of credit............................

(Column
B)
Two-Year
Probability
of
Default
(PD)
1.014%

(Column
C)
Two-Year
Probability
of
Default
(PD)
4.017%

(Column
D)
Two-Year
Probability
of
Default
(PD)
7.0110%

(Column
E)
Two-Year
Probability
of
Default
(PD)
10.0114%

(Column
F)
Two-Year
Probability
of
Default
(PD)
14.0116%

(Column
G)
Two-Year
Probability
of
Default
(PD)
16.0118%

(Column
H)
Two-Year
Probability
of
Default
(PD)
18.0120%

(Column
I)
Two-Year
Probability
of
Default
(PD)
20.0122%

(Column
J)
Two-Year
Probability
of
Default
(PD)
22.0126%

(Column
K)
Two-Year
Probability
of
Default
(PD)
26.0130%

(Column
L)
Two-Year
Probability
of
Default
(PD) >
30%

(Column
M)
Two-Year
Probability
of
Default
(PD)
Unscoreable

(Column
N)
Two-Year
Probability
of
Default
(PD)
Total

(Column
O) PDs
Were
Derived
Using

M.18.

RCFDM965 RCFDM966 RCFDM967 RCFDM968 RCFDM969 RCFDM970 RCFDM971 RCFDM972 RCFDM973 RCFDM974 RCFDM975 RCFDM976 RCFDM977 RCFDM978

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF
M1
.8a
..

RCFDM980 RCFDM981 RCFDM982 RCFDM983 RCFDM984 RCFDM985 RCFDM986 RCFDM987 RCFDM988 RCFDM989 RCFDM990 RCFDM991 RCFDM992 RCFDM993

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

M1
.8b
..

RCFDM995 RCFDM996 RCFDM997 RCFDM998 RCFDM999 RCFDN001 RCFDN002 RCFDN003 RCFDN004 RCFDN005 RCFDN006 RCFDN007 RCFDN008 RCFDN009

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

M1
.8c..

RCFDN011 RCFDN012 RCFDN013 RCFDN014 RCFDN015 RCFDN016 RCFDN017 RCFDN018 RCFDN019 RCFDN020 RCFDN021 RCFDN022 RCFDN023 RCFDN024

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF
M1
.8d
..

RCFDN040 RCFDN041 RCFDN042 RCFDN043 RCFDN044 RCFDN045 RCFDN046 RCFDN047 RCFDN048 RCFDN049 RCFDN050 RCFDN051 RCFDN052 RCFDN053 RCFDN054

e. Credit cards..........................

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF M1.8e..

RCFDN055 RCFDN056 RCFDN057 RCFDN058 RCFDN059 RCFDN060 RCFDN061 RCFDN062 RCFDN063 RCFDN064 RCFDN065 RCFDN066 RCFDN067 RCFDN068 RCFDN069

f. Automobile loans...................

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF M.18.f

RCFDN070 RCFDN071 RCFDN072 RCFDN073 RCFDN074 RCFDN075 RCFDN076 RCFDN077 RCFDN078 RCFDN079 RCFDN080 RCFDN081 RCFDN082 RCFDN083 RCFDN084

CONF CONF CONF CONF CONF CONF CONF CONF CONF CONF CONF CONF CONF CONF CONF
g. Student loans.......................
h. Other consumer loans and RCFDN085 RCFDN086 RCFDN087 RCFDN088 RCFDN089 RCFDN090 RCFDN091 RCFDN092 RCFDN093 RCFDN094 RCFDN095 RCFDN096 RCFDN097 RCFDN098 RCFDN099
revolving credit plans other than
CONF CONF CONF CONF CONF CONF CONF CONF CONF CONF CONF CONF CONF CONF CONF
credit cards...............................

M1
.8g
..

M1
.8h
..

RCFDN100 RCFDN101 RCFDN102 RCFDN103 RCFDN104 RCFDN105 RCFDN106 RCFDN107 RCFDN108 RCFDN109 RCFDN110 RCFDN111 RCFDN112 RCFDN113 RCFDN114

i. Consumer leases...................

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF M.18.i

RCFDN115 RCFDN116 RCFDN117 RCFDN118 RCFDN119 RCFDN120 RCFDN121 RCFDN122 RCFDN123 RCFDN124 RCFDN125 RCFDN126 RCFDN127 RCFDN128

j. Total.......................................

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

M.18.j

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
48

Schedule RC-P - 1-4 Family Residential Mortgage Banking Activities in Domestic Offices
Dollar amounts in thousands

1. Retail originations during the quarter of 1-4 family residential mortgage loans for sale:
a. Closed-end first liens....................................................................................................
b. Closed-end junior liens.................................................................................................
c. Open-end loans extended under lines of credit:
1. Total commitment under the lines of credit..............................................................
2. Principal amount funded under the lines of credit...................................................
2. Wholesale originations and purchases during the quarter of 1-4 family residential mortgage
loans for sale:
a. Closed-end first liens....................................................................................................
b. Closed-end junior liens.................................................................................................
c. Open-end loans extended under lines of credit:
1. Total commitment under the lines of credit..............................................................
2. Principal amount funded under the lines of credit...................................................
3. 1-4 family residential mortgages sold during the quarter:
a. Closed-end first liens....................................................................................................
b. Closed-end junior liens.................................................................................................
c. Open-end loans extended under lines of credit:
1. Total commitment under the lines of credit..............................................................
2. Principal amount funded under the lines of credit...................................................
4. 1-4 family residential mortgages held for sale at quarter-end (included in Schedule RC,
item 4.a):
a. Closed-end first liens....................................................................................................
b. Closed-end junior liens.................................................................................................
c. Open-end loans extended under lines of credit:
1. Total commitment under the lines of credit..............................................................
2. Principal amount funded under the lines of credit...................................................
5. Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family
residential mortgage loans (included in Schedule RI, items 5.c, 5.f, 5.g, and 5.i):
a. Closed-end 1-4 family residential mortgage loans........................................................
b. Open-end 1-4 family residential mortgage loans extended under lines of credit..........
6. Repurchases and indemnifications of 1-4 family residential mortgage loans during the
quarter:
a. Closed-end first liens....................................................................................................
b. Closed-end junior liens.................................................................................................
c. Open-end loans extended under line of credit:
1. Total commitment under the lines of credit..............................................................
2. Principal amount funded under the lines of credit...................................................
7. Representation and warranty reserves for 1-4 family residential mortgage loans sold:
a. For representations and warranties made to U.S. government agencies and
government-sponsored agencies.....................................................................................
b. For representations and warranties made to other parties...........................................
c. Total representation and warranty reserves (sum of items 7.a and 7.b).......................

1.

RCONF066
RCONF067

0 1.a.
0 1.b.
1.c.

RCONF670
RCONF671

0 1.c.1.
0 1.c.2.
2.

RCONF068
RCONF069

0 2.a.
0 2.b.
2.c.

RCONF672
RCONF673

0 2.c.1.
0 2.c.2.
3.

RCONF070
RCONF071

0 3.a.
0 3.b.
3.c.

RCONF674
RCONF675

0 3.c.1.
0 3.c.2.
4.

RCONF072
RCONF073

0 4.a.
0 4.b.
4.c.

RCONF676
RCONF677

0 4.c.1.
0 4.c.2.
5.

RIADF184
RIADF560

0 5.a.
0 5.b.
6.

RCONF678
RCONF679

0 6.a.
0 6.b.
6.c.

RCONF680
RCONF681

0 6.c.1.
0 6.c.2.
7.

RCONL191

CONF

RCONL192

CONF 7.b.
36,000 7.c.

7.a.

RCONM288

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
49

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
(Column A) Total
(Column B)
(Column C) Level (Column D) Level (Column E) Level
Fair Value
LESS: Amounts
1 Fair Value
2 Fair Value
3 Fair Value
Reported on
Netted in the
Measurements Measurements Measurements
Schedule RC Determination of
Total Fair Value
Dollar amounts in thousands
RCFD1773

1. Available-for-sale securities....................................................................
2. Federal funds sold and securities purchased under agreements to
resell...........................................................................................................

RCFDG474

0
RCFDG478

2,017,000
RCFDG483

3. Loans and leases held for sale...............................................................


4. Loans and leases held for investment.....................................................

0
RCFDG479

RCFDG484

RCFDG485

RCFDG489

RCFDG490

0 2.
RCFDG487

602,000
RCFDG491

0 1.
RCFDG482

2,694,000
RCFDG486

RCFDG477

RCFDG481

9,387,000

RCFDG476

RCFDG480

677,000

602,000
RCFDG488

RCFDG475

8,176,000

0 3.
RCFDG492

1,211,000 4.

5. Trading assets:

5.

RCFD3543

a. Derivative assets...............................................................................

9,506,000
RCFDG497

b. Other trading assets..........................................................................


1. Nontrading securities at fair value with changes in fair value
reported in current earnings (included in Schedule RC-Q, item 5.b,
above).............................................................................................

15,633,000
RCFDF240

7. Total assets measured at fair value on a recurring basis (sum of items


1 through 5.b plus item 6)...........................................................................

651,000
RCFDG502

37,796,000
RCFDF252

8. Deposits..................................................................................................
9. Federal funds purchased and securities sold under agreements to
repurchase..................................................................................................

RCFDG498

7,655,000

RCFDG495

0
RCFDG499

-17,000
RCFDF684

RCFDF692

RCFDG392

726,000

794,071,000

17,000
5,515,000

822,113,000
RCFDF253

0
RCFDG509

677,000

873,000
RCFDG505

RCFDF694

RCFDG508

11,000
RCFDG396

RCFDG504

RCFDF686

9,487,000
RCFDF241

RCFDG395

RCFDG503

800,281,000
RCFDG500

5,498,000

6,215,000
RCFDG507

RCFDG494

792,685,000

29,000
RCFDG391

6. All other assets.......................................................................................

RCFDG493

4,535,000
RCFDG510

RCFDG496

1,910,000 5.a.
RCFDG501

631,000 5.b.
RCFDF242

18,000

487,000 6.
RCFDG506

4,239,000 7.
RCFDF254

1,680,000 8.
RCFDG511

8,332,000

0 9.

10. Trading liabilities:

10.

RCFD3547

a. Derivative liabilities............................................................................

4,888,000
RCFDG516

b. Other trading liabilities.......................................................................

5.b.1.

RCFDG804

922,000

RCFDG512

RCFDG513

770,664,000
RCFDG517

RCFDG514

0
RCFDG518

815,000

773,713,000
RCFDG519

102,000

RCFDG515

1,839,000 10.a.
RCFDG520

5,000 10.b.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
50

(Column A) Total
(Column B)
(Column C) Level (Column D) Level (Column E) Level
Fair Value
LESS: Amounts
1 Fair Value
2 Fair Value
3 Fair Value
Reported on
Netted in the
Measurements Measurements Measurements
Schedule RC Determination of
Total Fair Value
Dollar amounts in thousands
RCFDG521

11. Other borrowed money.........................................................................

RCFDG522

1,640,000
RCFDG526

12. Subordinated notes and debentures.....................................................

RCFDG527

0
RCFDG805

13. All other liabilities..................................................................................


14. Total liabilities measured at fair value on a recurring basis (sum of items
8 through 13)..............................................................................................

RCFDG523

0
RCFDG528

0
RCFDG806

217,000
RCFDG531

550,000

RCFDG529

2,000

RCFDG530

0 12.
RCFDG809

653,000
RCFDG534

817,000

0 11.

0
RCFDG808

RCFDG533

771,891,000

RCFDG525

1,640,000

0
RCFDG807

RCFDG532

21,537,000

RCFDG524

112,000 13.
RCFDG535

788,975,000

3,636,000 14.

1. All other assets (itemize and describe amounts included in Schedule


RC-Q, item 6, that are greater than $25,000 and exceed 25% of item 6):

M.1.

RCFDG536

a. Mortgage servicing assets................................................................

RCFDG537

0
RCFDG541

b. Nontrading derivative assets.............................................................

485,000

RCFDG538

0
RCFDG542

726,000

RCFDG539

0
RCFDG543

RCFDG540

0
RCFDG544

746,000

0 M.1.a.
RCFDG545

465,000 M.1.b.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
51

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
Dollar amounts in thousands

c. Disclose component and the dollar amount of that component:


1. Describe component..........................................................................................................

M.1.c.

TEXTG546

M.1.c.1.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
52

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
(Column A) Total
(Column B)
(Column C) Level (Column D) Level (Column E) Level
Fair Value
LESS: Amounts
1 Fair Value
2 Fair Value
3 Fair Value
Reported on
Netted in the
Measurements Measurements Measurements
Schedule RC Determination of
Total Fair Value
Dollar amounts in thousands
RCFDG546

2. Amount of component.............................................................................

RCFDG547

RCFDG548

RCFDG549

RCFDG550

0 M.1.c.2.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
53

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
Dollar amounts in thousands

d. Disclose component and the dollar amount of that component:


1. Describe component..........................................................................................................

M.1.d.

TEXTG551

M.1.d.1.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
54

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
(Column A) Total
(Column B)
(Column C) Level (Column D) Level (Column E) Level
Fair Value
LESS: Amounts
1 Fair Value
2 Fair Value
3 Fair Value
Reported on
Netted in the
Measurements Measurements Measurements
Schedule RC Determination of
Total Fair Value
Dollar amounts in thousands
RCFDG551

2. Amount of component.............................................................................

RCFDG552

RCFDG553

RCFDG554

RCFDG555

0 M.1.d.2.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
55

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
Dollar amounts in thousands

e. Disclose component and the dollar amount of that component:


1. Describe component..........................................................................................................

M.1.e.

TEXTG556

M.1.e.1.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
56

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
(Column A) Total
(Column B)
(Column C) Level (Column D) Level (Column E) Level
Fair Value
LESS: Amounts
1 Fair Value
2 Fair Value
3 Fair Value
Reported on
Netted in the
Measurements Measurements Measurements
Schedule RC Determination of
Total Fair Value
Dollar amounts in thousands
RCFDG556

2. Amount of component.............................................................................

RCFDG557

RCFDG558

RCFDG559

RCFDG560

0 M.1.e.2.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
57

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
Dollar amounts in thousands

f. Disclose component and the dollar amount of that component:


1. Describe component..........................................................................................................

M.1.f.

TEXTG561

M.1.f.1.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
58

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
(Column A) Total
(Column B)
(Column C) Level (Column D) Level (Column E) Level
Fair Value
LESS: Amounts
1 Fair Value
2 Fair Value
3 Fair Value
Reported on
Netted in the
Measurements Measurements Measurements
Schedule RC Determination of
Total Fair Value
Dollar amounts in thousands
RCFDG561

2. Amount of component.............................................................................

RCFDG562

RCFDG563

RCFDG564

RCFDG565

0 M.1.f.2.

2. All other liabilities (itemize and describe amounts included in Schedule


RC-Q, item 13, that are greater than $25,000 and exceed 25% of item 13):

M.2.

RCFDF261

a. Loan commitments (not accounted for as derivatives)......................

RCFDF689

168,000
RCFDG566

b. Nontrading derivative liabilities..........................................................

RCFDF697

0
RCFDG567

RCFDF262

0
RCFDG568

RCFDF263

87,000
RCFDG569

81,000 M.2.a.
RCFDG570

0 M.2.b.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
59

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
Dollar amounts in thousands

c. Disclose component and the dollar amount of that component:


1. Describe component..........................................................................................................

M.2.c.

TEXTG571

M.2.c.1.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
60

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
(Column A) Total
(Column B)
(Column C) Level (Column D) Level (Column E) Level
Fair Value
LESS: Amounts
1 Fair Value
2 Fair Value
3 Fair Value
Reported on
Netted in the
Measurements Measurements Measurements
Schedule RC Determination of
Total Fair Value
Dollar amounts in thousands
RCFDG571

2. Amount of component.............................................................................

RCFDG572

RCFDG573

RCFDG574

RCFDG575

0 M.2.c.2.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
61

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
Dollar amounts in thousands

d. Disclose component and the dollar amount of that component:


1. Describe component..........................................................................................................

M.2.d.

TEXTG576

M.2.d.1.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
62

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
(Column A) Total
(Column B)
(Column C) Level (Column D) Level (Column E) Level
Fair Value
LESS: Amounts
1 Fair Value
2 Fair Value
3 Fair Value
Reported on
Netted in the
Measurements Measurements Measurements
Schedule RC Determination of
Total Fair Value
Dollar amounts in thousands
RCFDG576

2. Amount of component.............................................................................

RCFDG577

RCFDG578

RCFDG579

RCFDG580

0 M.2.d.2.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
63

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
Dollar amounts in thousands

e. Disclose component and the dollar amount of that component:


1. Describe component..........................................................................................................

M.2.e.

TEXTG581

M.2.e.1.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
64

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
(Column A) Total
(Column B)
(Column C) Level (Column D) Level (Column E) Level
Fair Value
LESS: Amounts
1 Fair Value
2 Fair Value
3 Fair Value
Reported on
Netted in the
Measurements Measurements Measurements
Schedule RC Determination of
Total Fair Value
Dollar amounts in thousands
RCFDG581

2. Amount of component.............................................................................

RCFDG582

RCFDG583

RCFDG584

RCFDG585

0 M.2.e.2.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
65

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
Dollar amounts in thousands

f. Disclose component and the dollar amount of that component:


1. Describe component..........................................................................................................

M.2.f.

TEXTG586

M.2.f.1.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
66

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
(Column A) Total
(Column B)
(Column C) Level (Column D) Level (Column E) Level
Fair Value
LESS: Amounts
1 Fair Value
2 Fair Value
3 Fair Value
Reported on
Netted in the
Measurements Measurements Measurements
Schedule RC Determination of
Total Fair Value
Dollar amounts in thousands
RCFDG586

2. Amount of component.............................................................................

RCFDG587

RCFDG588

RCFDG589

RCFDG590

0 M.2.f.2.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
67

Schedule RC-R Part I - Regulatory Capital Components and Ratios


Dollar amounts in thousands

1. Common stock plus related surplus, net of treasury stock and unearned employee stock
ownership plan (ESOP) shares..............................................................................................
2. Retained earnings..............................................................................................................
3. Accumulated other comprehensive income (AOCI)............................................................
a. AOCI opt-out election (enter "1" for Yes; enter "0" for No.) (Advanced approaches
institutions must enter "0" for No.)....................................................................................
4. Common equity tier 1 minority interest includable in common equity tier 1 capital............
5. Common equity tier 1 capital before adjustments and deductions (sum of items 1 through
4)............................................................................................................................................
6. LESS: Goodwill net of associated deferred tax liabilities (DTLs)........................................
7. LESS: Intangible assets (other than goodwill and mortgage servicing assets (MSAs)), net
of associated DTLs.................................................................................................................
8. LESS: Deferred tax assets (DTAs) that arise from net operating loss and tax credit
carryforwards, net of any related valuation allowances and net of DTLs...............................
9. AOCI-related adjustments (items 9.a through 9.e are effective January 1, 2015) (if entered
"1" for Yes in item 3.a, complete only items 9.a through 9.e; if entered "0" for No in item 3.a,
complete only item 9.f):
a. LESS: Net unrealized gains (losses) on available-for-sale securities (if a gain, report
as a positive value; if a loss, report as a negative value)..................................................
b. LESS: Net unrealized loss on available-for-sale preferred stock classified as an equity
security under GAAP and available-for-sale equity exposures (report loss as a positive
value)................................................................................................................................
c. LESS: Accumulated net gains (losses) on cash flow hedges (if a gain, report as a
positive value; if a loss, report as a negative value)..........................................................
d. LESS: Amounts recorded in AOCI attributed to defined benefit postretirement plans
resulting from the initial and subsequent application of the relevant GAAP standards that
pertain to such plans (if a gain, report as a positive value; if a loss, report as a negative
value)................................................................................................................................
e. LESS: Net unrealized gains (losses) on held-to-maturity securities that are included
in AOCI (if a gain, report as a positive value; if a loss, report as a negative value)..........
f. LESS: Accumulated net gain (loss) on cash flow hedges included in AOCI, net of
applicable income taxes, that relate to the hedging of items that are not recognized at
fair value on the balance sheet (if a gain, report as a positive value; if a loss, report as
a negative value) (To be completed only by institutions that entered "0" for No in item
3.a)...................................................................................................................................
10. Other deductions from (additions to) common equity tier 1 capital before threshold-based
deductions:
a. LESS: Unrealized net gain (loss) related to changes in the fair value of liabilities that
are due to changes in own credit risk (if a gain, report as a positive value; if a loss, report
as a negative value)..........................................................................................................
b. LESS: All other deductions from (additions to) common equity tier 1 capital before
threshold-based deductions.............................................................................................
11. LESS: Non-significant investments in the capital of unconsolidated financial institutions
in the form of common stock that exceed the 10 percent threshold for non-significant
investments............................................................................................................................
12. Subtotal (item 5 minus items 6 through 11)......................................................................
13. LESS: Significant investments in the capital of unconsolidated financial institutions in
the form of common stock, net of associated DTLs, that exceed the 10 percent common
equity tier 1 capital deduction threshold.................................................................................
14. LESS: MSAs, net of associated DTLs, that exceed the 10 percent common equity tier 1
capital deduction threshold.....................................................................................................
15. LESS: DTAs arising from temporary differences that could not be realized through net
operating loss carrybacks, net of related valuation allowances and net of DTLs, that exceed
the 10 percent common equity tier 1 capital deduction threshold..........................................

RCFAP742

13,765,000
1.

RCFD3632
RCFAB530

8,443,000 2.
0 3.

RCOAP838

RCFAP839

0 4.

3.a.

RCFAP840

22,208,000
5.

RCFAP841
RCFAP842

3,000 6.
0
7.

RCFAP843

0
8.

9.

RCFAP844

NR
9.a.

RCFAP845

NR
9.b.

RCFAP846

NR
9.c.

RCFAP847

NR
9.d.

RCFAP848

NR
9.e.

RCFAP849

0
9.f.
10.

RCFAQ258

54,000
10.a.

RCFAP850

33,000
10.b.

RCFAP851

0
11.

RCFAP852
RCFAP853

22,118,000 12.
0
13.

RCFAP854

0
14.

RCFAP855

0
15.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
68

Dollar amounts in thousands

16. LESS: Amount of significant investments in the capital of unconsolidated financial


institutions in the form of common stock, net of associated DTLs; MSAs, net of associated
DTLs; and DTAs arising from temporary differences that could not be realized through net
operating loss carrybacks, net of related valuation allowances and net of DTLs; that exceeds
the 15 percent common equity tier 1 capital deduction threshold..........................................
17. LESS: Deductions applied to common equity tier 1 capital due to insufficient amounts
of additional tier 1 capital and tier 2 capital to cover deductions............................................
18. Total adjustments and deductions for common equity tier 1 capital (sum of items 13
through 17).............................................................................................................................
19. Common equity tier 1 capital (item 12 minus item 18).....................................................
20. Additional tier 1 capital instruments plus related surplus.................................................
21. Non-qualifying capital instruments subject to phase out from additional tier 1 capital .....
22. Tier 1 minority interest not included in common equity tier 1 capital................................
23. Additional tier 1 capital before deductions (sum of items 20, 21, and 22)........................
24. LESS: Additional tier 1 capital deductions........................................................................
25. Additional tier 1 capital (greater of item 23 minus item 24, or zero).................................
26. Tier 1 capital (sum of items 19 and 25)............................................................................
27. Tier 2 capital instruments plus related surplus.................................................................
28. Non-qualifying capital instruments subject to phase out from tier 2 capital......................
29. Total capital minority interest that is not included in tier 1 capital.....................................
30. Allowance for loan and lease losses and eligible credit reserves includable in tier 2 capital
a. Allowance for loan and lease losses includable in tier 2 capital....................................
b. (Advanced approaches institutions that exit parallel run only): Eligible credit reserves
includable in tier 2 capital.................................................................................................
31. Unrealized gains on available-for-sale preferred stock classified as an equity security
under GAAP and available-for-sale equity exposures includable in tier 2 capital...................
32. Tier 2 capital before deductions
a. Tier 2 capital before deductions (sum of items 27 through 30.a, plus item 31).............
b. (Advanced approaches institutions that exit parallel run only): Tier 2 capital before
deductions (sum of items 27 through 29, plus items 30.b and 31)...................................
33. LESS: Tier 2 capital deductions........................................................................................
34. Tier 2 capital
a. Tier 2 capital (greater of item 32.a minus item 33, or zero)..........................................
b. (Advanced approaches institutions that exit parallel run only): Tier 2 capital (greater
of item 32.b minus item 33, or zero).................................................................................
35. Total capital
a. Total capital (sum of items 26 and 34.a).......................................................................
b. (Advanced approaches institutions that exit parallel run only): Total capital (sum of
items 26 and 34.b)............................................................................................................
36. Average total consolidated assets....................................................................................
37. LESS: Deductions from common equity tier 1 capital and additional tier 1 capital (sum
of items 6, 7, 8, 10.b, 11, 13 through 17, and certain elements of item 24 - see instructions).
38. LESS: Other deductions from (additions to) assets for leverage ratio purposes..............
39. Total assets for the leverage ratio (item 36 minus items 37 and 38).................................
40. Total risk-weighted assets
a. Total risk-weighted assets (from Schedule RC-R, Part II, item 31)...............................
b. (Advanced approaches institutions that exit parallel run only): Total riskweighted assets
using advanced approaches rule (from FFIEC 101 Schedule A, item 60)........................

RCFAP856

0
16.

RCFAP857

130,000
17.

RCFAP858

130,000

RCFAP859

21,988,000 19.
0 20.

18.

RCFAP860
RCFAP861
RCFAP862
RCFAP863
RCFAP864

0 21.
0 22.
0 23.
0 24.

RCFAP865

0 25.

RCFA8274

21,988,000 26.
2,000,000 27.

RCFAP866
RCFAP867
RCFAP868

0 28.
0 29.
30.

RCFA5310
RCFW5310

222,000 30.a.
0
30.b.

RCFAQ257

0
31.
32.

RCFAP870

2,222,000 32.a.

RCFWP870

2,000,000
32.b.

RCFAP872

0 33.
34.

RCFA5311

2,222,000 34.a.

RCFW5311

2,000,000
34.b.
35.

RCFA3792

24,210,000 35.a.

RCFW3792

23,988,000
35.b.

RCFD3368
RCFAP875

129,150,000 36.
3,000
37.

RCFAA224

0 38.
129,147,000 39.

RCFAA223

208,221,080 40.a.

RCFWA223

136,642,000

RCFAB596

40.

40.b.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
69

Schedule RC-R Part I - Regulatory Capital Components and Ratios


Dollar amounts in thousands (Column A) Percentage (Column B) Percentage

41. Common equity tier 1 capital ratio (Column A: item 19 divided by item
40.a) (Advanced approaches institutions that exit parallel run only: Column
B: item 19 divided by item 40.b)................................................................
42. Tier 1 capital ratio (Column A: item 26 divided by item 40.a) (Advanced
approaches institutions that exit parallel run only: Column B: item 26
divided by item 40.b).................................................................................
43. Total capital ratio (Column A: item 35.a divided by item 40.a)
(Advanced approaches institutions that exit parallel run only: Column B:
item 35.b divided by item 40.b).................................................................

RCFAP793

10.56% RCFWP793

16.09%
41.

RCFA7206

10.56% RCFW7206

16.09%
42.

RCFA7205

11.63% RCFW7205

17.56%
43.

Schedule RC-R Part I - Regulatory Capital Components and Ratios


Dollar amounts in thousands

44. Tier 1 leverage ratio (item 26 divided by item 39).............................................................


45. Advanced approaches institutions only: Supplementary leverage ratio (from FFIEC 101
Schedule A, item 98) (effective date to be determined)
46. Institution-specific capital buffer necessary to avoid limitations on distributions and
discretionary bonus payments (effective January 1, 2016):
a. Capital conservation buffer
b. (Advanced approaches institutions that exit parallel run only): Total applicable capital
buffer
47. Eligible retained income (effective January 1, 2016)
48. Distributions and discretionary bonus payments during the quarter (effective January 1,
2016)

RCFA7204

17.03% 44.
45.
46.
46.a.
46.b.
47.
48.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
70

Schedule RC-R Part II - Risk-Weighted Assets


(Column A)
Totals from
Schedule
RC
Dollar amounts in thousands

(Column B)
Adjustments
to Totals
Reported
in Column
A

(Column C)
Allocation
by
Risk-Weight
Category
0%

RCFDD957 RCFDS396 RCFDD958


1. Cash and balances due from depository
0 37,928,000
institutions.......................................................... 38,750,000

(Column D)
Allocation
by
Risk-Weight
Category
2%

(Column E)
Allocation
by
Risk-Weight
Category
4%

(Column F)
Allocation
by
Risk-Weight
Category
10%

(Column G)
Allocation
by
Risk-Weight
Category
20%

(Column H)
Allocation
by
Risk-Weight
Category
50%

(Column I)
Allocation
by
Risk-Weight
Category
100%

(Column J)
Allocation
by
Risk-Weight
Category
150%

RCFDD959

RCFDS397

RCFDD960

RCFDS398

817,000

5,000

0 1.

2. Securities:

2.

RCFDD961

a. Held-to-maturity securities.......................

0
RCFDD966

b. Available-for-sale securities......................

RCFDS399

0
RCFDS402

RCFDD962

0
RCFDD967

RCFDD963

0
RCFDD968

RCFDD964

0
RCFDD969

RCFDD965

0
RCFDD970

RCFDS400

0 2.a.
RCFDS403

0 2.b.

3. Federal funds sold and securities purchased


under agreements to resell:

3.

RCOND971

a. Federal funds sold in domestic offices.....


b. Securities purchased under agreements
to resell........................................................

RCOND972

0
RCFDH171

3,086,000

RCOND973

RCONS410

RCOND974

RCONS411

0 3.a.

RCFDH172

3,086,000

3.b.

4. Loans and leases held for sale:

4.

RCFDS413

a. Residential mortgage exposures..............

RCFDS414

RCFDH173

RCFDS419 RCFDS420 RCFDH174


b. High volatility commercial real estate
0
0
0
exposures....................................................

c. Exposures past due 90 days or more or


on nonaccrual..............................................

RCFDS423

RCFDS424

RCFDS425

RCFDS415

0
RCFDH175

0
RCFDS426

RCFDS416

0
RCFDH176

0
RCFDS427

RCFDS417

0
RCFDH177

0
RCFDS428

4.a.

RCFDS421

0 4.b.
RCFDS429

0 4.c.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
71

Schedule RC-R Part II - Risk-Weighted Assets


(Column K)
Allocation
by
Risk-Weight
Category
250%

(Column L)
Allocation
by
Risk-Weight
Category
300%

(Column M)
Allocation
by
Risk-Weight
Category
400%

(Column N)
Allocation
by
Risk-Weight
Category
600%

(Column O)
Allocation
by
Risk-Weight
Category
625%

(Column P)
Allocation
by
Risk-Weight
Category
937.5%

(Column Q)
Allocation
by
Risk-Weight
Category
1,250%

(Column R)
Application
of Other
Risk-Weighting
Approaches
Exposure
Amount

Dollar amounts in thousands

(Column S)
Application
of Other
Risk-Weighting
Approaches
Risk-Weighted
Asset
Amount

1. Cash and balances due from depository


institutions

1.

2. Securities:

2.

a. Held-to-maturity securities

2.a.

RCFDS405

b. Available-for-sale securities...........................

RCFDS406

RCFDH271

RCFDH272

0 2.b.

3. Federal funds sold and securities purchased under


agreements to resell:

3.

a. Federal funds sold in domestic offices

3.a.

b. Securities purchased under agreements to


resell

3.b.

4. Loans and leases held for sale:

4.

RCFDH273

a. Residential mortgage exposures...................

RCFDH274

b. High volatility commercial real estate


exposures..........................................................

RCFDH275

c. Exposures past due 90 days or more or on


nonaccrual.........................................................

RCFDH277

0 4.a.
RCFDH276

0 4.b.
RCFDH278

0 4.c.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
72

Schedule RC-R Part II - Risk-Weighted Assets


(Column A)
Totals from
Schedule
RC

(Column B)
Adjustments
to Totals
Reported
in Column
A

(Column C)
Allocation
by
Risk-Weight
Category
0%

RCFDS431

RCFDS432

RCFDS433

Dollar amounts in thousands

(Column D)
Allocation
by
Risk-Weight
Category
2%

(Column E)
Allocation
by
Risk-Weight
Category
4%

(Column F)
Allocation
by
Risk-Weight
Category
10%

(Column G)
Allocation
by
Risk-Weight
Category
20%

(Column H)
Allocation
by
Risk-Weight
Category
50%

(Column I)
Allocation
by
Risk-Weight
Category
100%

(Column J)
Allocation
by
Risk-Weight
Category
150%

RCFDS434

RCFDS435

RCFDS436

RCFDS437

4. Loans and leases held for sale (continued):


d. All other exposures..................................

4.

2,138,000

2,138,000

0 4.d.

5. Loans and leases, net of unearned income:

5.

RCFDS439

a. Residential mortgage exposures..............


b. High volatility commercial real estate
exposures....................................................

5,314,000
RCFDS445

145,000

RCFDS440

0
RCFDS446

RCFDH178

0
RCFDH179

RCFDS449 RCFDS450 RCFDS451


c. Exposures past due 90 days or more or
62,000
0
0
on nonaccrual..............................................
RCFDS457

d. All other exposures.................................. 32,984,000


RCFD3123

6. LESS: Allowance for loan and lease losses....

141,000
RCFDD976

RCFDS458

200,000

8. All other assets.............................................. 11,284,000

0
RCFDH180

0
RCFDS452

0
RCFDS460

496,000

RCFDS442

5,255,000
RCFDH181

0
RCFDS453

0
RCFDS461

RCFDS443

59,000
RCFDH182

0
RCFDS454

0
RCFDS462

6,000 32,282,000

5.a.

RCFDS447

145,000 5.b.
RCFDS455

62,000 5.c.
RCFDS463

0 5.d.

RCFD3123

141,000
RCFDS466

7. Trading assets................................................ 25,073,000 24,290,000


RCFDD981

RCFDS459

RCFDS441

RCFDS469

3,970,000

6.

RCFDD977

311,000
RCFDD982

439,000

RCFDD978

0
RCFDD983

3,000

RCFDD979

8,000
RCFDD984

23,000

RCFDD980

464,000
RCFDD985

6,737,000

RCFDS467

0 7.
RCFDH185

0 8.

a. Separate account bank-owned life


insurance

8.a.

b. Default fund contributions to central


counterparties

8.b.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
73

Schedule RC-R Part II - Risk-Weighted Assets


(Column K)
Allocation
by
Risk-Weight
Category
250%

(Column L)
Allocation
by
Risk-Weight
Category
300%

(Column M)
Allocation
by
Risk-Weight
Category
400%

(Column N)
Allocation
by
Risk-Weight
Category
600%

(Column O)
Allocation
by
Risk-Weight
Category
625%

(Column P)
Allocation
by
Risk-Weight
Category
937.5%

(Column Q)
Allocation
by
Risk-Weight
Category
1,250%

(Column R)
Application
of Other
Risk-Weighting
Approaches
Exposure
Amount

(Column S)
Application
of Other
Risk-Weighting
Approaches
Risk-Weighted
Asset
Amount

RCFDH279

RCFDH280

Dollar amounts in thousands

4. Loans and leases held for sale (continued):

4.

d. All other exposures........................................

0 4.d.

5. Loans and leases, net of unearned income:

5.

RCFDH281

a. Residential mortgage exposures...................

RCFDH282

b. High volatility commercial real estate


exposures..........................................................

RCFDH283

c. Exposures past due 90 days or more or on


nonaccrual.........................................................

RCFDH285

0 5.a.
RCFDH284

0 5.b.
RCFDH286

0
RCFDH287

d. All other exposures........................................

0 5.c.
RCFDH288

0 5.d.

6. LESS: Allowance for loan and lease losses

6.

RCFDH186

7. Trading assets......................................................

RCFDH290

0
RCFDH188

8. All other assets....................................................

RCFDH187

0
RCFDS470

RCFDH291

0
RCFDS471

RCFDH292

0
RCFDH294

0 7.
RCFDH295

a. Separate account bank-owned life


insurance...........................................................

RCFDH296

b. Default fund contributions to central


counterparties....................................................

RCFDH298

0 8.
RCFDH297

0
112,000

0 8.a.
RCFDH299

715,000 8.b.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
74

Schedule RC-R Part II - Risk-Weighted Assets


(Column A)
Totals

(Column B)
(Column Q)
(Column T) Total (Column U) Total
Adjustments to
Exposure
Risk-Weighted
Risk-Weighted
Totals Reported Amount 1,250% Asset Amount by Asset Amount by
in Column A
Calculation
Calculation
Methodology
Methodology
SSFA
Gross-Up

Dollar amounts in thousands

9. On-balance sheet securitization exposures:

9.

RCFDS475

a. Held-to-maturity securities................................................................

RCFDS476

0
RCFDS480

b. Available-for-sale securities...............................................................

0
66,000
RCFDS490

d. All other on-balance sheet securitization exposures.........................

3,920,000
RCFDS495

10. Off-balance sheet securitization exposures..........................................

0
RCFDS481

RCFDS485

c. Trading assets...................................................................................

RCFDS477

14,625,000

RCFDS478

0
RCFDS482

0
RCFDS486

66,000

3,909,000

11,000
RCFDS497

14,621,000

4,000

0 9.a.
RCFDS484

0
RCFDS488

RCFDS492

RCFDS496

0
RCFDS483

RCFDS487

RCFDS491

RCFDS479

0 9.b.
RCFDS489

26,000
RCFDS493

0 9.c.
RCFDS494

956,000
RCFDS498

0 9.d.
RCFDS499

6,106,000

0 10.

Schedule RC-R Part II - Risk-Weighted Assets


(Column A)
Totals
From
Schedule
RC

(Column B)
Adjustments
to Totals
Reported
in Column
A

(Column C)
Allocation
by
Risk-Weight
Category
0%

RCFD2170

RCFDS500

RCFDD987

Dollar amounts in thousands

11. Total balance sheet assets........................... 122,681,000 35,380,000 38,678,000

(Column D)
Allocation
by
Risk-Weight
Category
2%

(Column E)
Allocation
by
Risk-Weight
Category
4%

(Column F)
Allocation
by
Risk-Weight
Category
10%

(Column G)
Allocation
by
Risk-Weight
Category
20%

(Column H)
Allocation
by
Risk-Weight
Category
50%

(Column I)
Allocation
by
Risk-Weight
Category
100%

(Column J)
Allocation
by
Risk-Weight
Category
150%

RCFDD988

RCFDD989

RCFDD990

RCFDS503

1,316,000

5,292,000 41,685,000

207,000 11.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
75

Schedule RC-R Part II - Risk-Weighted Assets


(Column K) (Column L) (Column M) (Column N) (Column O) (Column P) (Column Q) (Column R)
Allocation by Allocation by Allocation by Allocation by Allocation by Allocation by Allocation by Application
Risk-Weight Risk-Weight Risk-Weight Risk-Weight Risk-Weight Risk-Weight Risk-Weight
of Other
Category
Category
Category
Category
Category
Category
Category Risk-Weighting
250%
300%
400%
600%
625%
937.5%
1,250%
Approaches
Exposure
Amount
Dollar amounts in thousands
RCFDS505

11. Total balance sheet assets.......................................

RCFDS506

RCFDS507

RCFDS510

RCFDH300

11,000

112,000 11.

Schedule RC-R Part II - Risk-Weighted Assets


(Column A) (Column B)
Face,
Credit
Notional, Equivalent
or Other
Amount
Amount
Dollar amounts in thousands
RCFDD991

12. Financial standby letters of credit................


13. Performance standby letters of credit and
transaction-related contingent items..................

3,514,000
RCFDD997

RCFDD992

3,514,000
RCFDD998

(Column C)
Allocation
by
Risk-Weight
Category
0%

(Column D)
Allocation
by
Risk-Weight
Category
2%

(Column E)
Allocation
by
Risk-Weight
Category
4%

(Column F)
Allocation
by
Risk-Weight
Category
10%

RCFDD993

2,000

15. Retained recourse on small business


obligations sold with recourse............................

RCFDG613

(Column H)
Allocation
by
Risk-Weight
Category
50%

(Column I)
Allocation
by
Risk-Weight
Category
100%

(Column J)
Allocation
by
Risk-Weight
Category
150%

RCFDD994

RCFDD995

RCFDD996

RCFDS511

1,011,000

RCFDD999

RCFDG603

14. Commercial and similar letters of credit with RCFDG606 RCFDG607 RCFDG608
0
0
0
an original maturity of one year or less..............
RCFDG612

(Column G)
Allocation
by
Risk-Weight
Category
20%

RCFDG609

RCFDG614

RCFDG615

(Column A) (Column B)
Face,
Credit
Notional, Equivalent
or Other
Amount
Amount

(Column C)
Allocation
by
Risk-Weight
Category
0%

(Column D)
Allocation
by
Risk-Weight
Category
2%

(Column E)
Allocation
by
Risk-Weight
Category
4%

RCFDS517

RCFDS518

RCFDS519

0
RCFDG604

0
RCFDG610

0
RCFDG616

2,501,000
RCFDG605

0
RCFDG611

0
RCFDG617

0 12.
RCFDS512

0 13.
RCFDS513

0 14.
RCFDS514

0 15.

(Column G)
Allocation
by
Risk-Weight
Category
20%

(Column H)
Allocation
by
Risk-Weight
Category
50%

(Column I)
Allocation
by
Risk-Weight
Category
100%

(Column J)
Allocation
by
Risk-Weight
Category
150%

RCFDS520

RCFDS521

RCFDS522

RCFDS523

Schedule RC-R Part II - Risk-Weighted Assets

Dollar amounts in thousands


RCFDS515

16. Repo-style transactions...............................

5,622,000
RCFDG618

17. All other off-balance sheet liabilities............

4,725,000

RCFDS516

5,622,000
RCFDG619

4,725,000

0
RCFDG620

1,109,000

(Column F)
Allocation
by
Risk-Weight
Category
10%

0
RCFDG621

130,000

0
RCFDG622

60,000

5,622,000
RCFDG623

3,426,000

0 16.
RCFDS524

0 17.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
76

(Column A) (Column B)
Face,
Credit
Notional, Equivalent
or Other
Amount
Amount
Dollar amounts in thousands

(Column C)
Allocation
by
Risk-Weight
Category
0%

(Column D)
Allocation
by
Risk-Weight
Category
2%

(Column E)
Allocation
by
Risk-Weight
Category
4%

(Column F)
Allocation
by
Risk-Weight
Category
10%

18. Unused commitments:


RCFDS525 RCFDS526 RCFDS527
a. Original maturity of one year or less,
excluding asset-backed commercial paper
747,000
0
(ABCP) conduits.......................................... 3,735,000

(Column G)
Allocation
by
Risk-Weight
Category
20%

(Column H)
Allocation
by
Risk-Weight
Category
50%

(Column I)
Allocation
by
Risk-Weight
Category
100%

(Column J)
Allocation
by
Risk-Weight
Category
150%

RCFDS528

RCFDS529

RCFDS530

RCFDS531

18.

747,000

b. Original maturity of one year or less to


ABCP conduits

18.a.

18.b.

RCFDG624

RCFDG625

c. Original maturity exceeding one year....... 58,044,000 29,022,000


RCFDS540

19. Unconditionally cancelable commitments.....

108,819,000
RCFDS549

27,404,000
RCFDH191

22. Unsettled transactions (failed trades)..........

1,660,000

RCFDG628

RCFDG629

RCFDS539

195,000 27,153,000

14,000 18.c.

0
RCFDS542

21. Centrally cleared derivatives........................

RCFDG627

RCFDS541

7,529,000

20. Over-the-counter derivatives........................

RCFDG626

19.

RCFDS543

RCFDS544

723,000
RCFDS550

0 21,418,000
RCFDS551

0 27,404,000
RCFDH193

RCFDS545

RCFDS552

RCFDS554

RCFDS546

1,437,000 84,935,000
RCFDS555

0
RCFDH194

RCFDS547

RCFDS556

0
RCFDH195

RCFDS548

306,000 20.
RCFDS557

0
RCFDH196

0 21.
RCFDH197

0 22.

Schedule RC-R Part II - Risk-Weighted Assets


(Column O)
(Column P)
(Column Q)
(Column R)
(Column S)
Allocation by
Allocation by
Allocation by
Application of
Application of
Risk-Weight
Risk-Weight
Risk-Weight
Other
Other
Category 625% Category 937.5% Category 1,250% Risk-Weighting Risk-Weighting
Approaches
Approaches
Credit Equivalent Risk-Weighted
Amount
Asset Amount
Dollar amounts in thousands
RCFDH301

16. Repo-style transactions........................................................................

RCFDH302

0 16.

17. All other off-balance sheet liabilities

17.

18. Unused commitments:

18.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
77

(Column O)
(Column P)
(Column Q)
(Column R)
(Column S)
Allocation by
Allocation by
Allocation by
Application of
Application of
Risk-Weight
Risk-Weight
Risk-Weight
Other
Other
Category 625% Category 937.5% Category 1,250% Risk-Weighting Risk-Weighting
Approaches
Approaches
Credit Equivalent Risk-Weighted
Amount
Asset Amount
Dollar amounts in thousands
RCFDH303

a. Original maturity of one year or less, excluding asset-backed


commercial paper (ABCP) conduits......................................................

RCFDH304

0 18.a.

b. Original maturity of one year or less to ABCP conduits

18.b.

RCFDH307

c. Original maturity exceeding one year................................................

RCFDH308

0 18.c.

19. Unconditionally cancelable commitments

19.

RCFDH309

20. Over-the-counter derivatives...........................................................

RCFDH310

0 20.

21. Centrally cleared derivatives

21.

RCFDH198

22. Unsettled transactions (failed trades)..............................................

RCFDH199

RCFDH200

22.

Schedule RC-R Part II - Risk-Weighted Assets


(Column C)
Allocation by
Risk-Weight
Category 0%

(Column D)
Allocation by
Risk-Weight
Category 2%

RCFDG630

RCFDS558

Dollar amounts in thousands

23. Total assets, derivatives, off-balance sheet items,


and other items subject to risk weighting by risk-weight
category (for each of columns C through P, sum of items
11 through 22; for column Q, sum of items 10 through
22)..................................................................................

40,512,000

(Column E) (Column F) (Column G) (Column H) (Column I) (Column J)


Allocation by Allocation by Allocation by Allocation by Allocation by Allocation by
Risk-Weight Risk-Weight Risk-Weight Risk-Weight Risk-Weight Risk-Weight
Category 4% Category
Category
Category
Category
Category
10%
20%
50%
100%
150%
RCFDS559

27,404,000

RCFDS560

RCFDG631

25,535,000

RCFDG632

6,984,000

RCFDG633

166,069,000

RCFDS561

527,000
23.

24. Risk weight factor


25. Risk-weighted assets by risk-weight category (for
each column, item 23 multiplied by item 24)..................

24.

RCFDG634

RCFDS569

548,080

RCFDS570

RCFDS571

RCFDG635

5,107,000

RCFDG636

3,492,000

RCFDG637

166,069,000

RCFDS572

790,500 25.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
78

Schedule RC-R Part II - Risk-Weighted Assets


(Column K)
(Column L)
(Column M)
(Column N)
(Column O)
(Column P)
(Column Q)
Allocation by Allocation by Allocation by Allocation by Allocation by Allocation by Allocation by
Risk-Weight Risk-Weight Risk-Weight Risk-Weight Risk-Weight Risk-Weight Risk-Weight
Category
Category
Category
Category
Category
Category
Category
250%
300%
400%
600%
625%
937.5%
1,250%
Dollar amounts in thousands
23. Total assets, derivatives, off-balance sheet items, and
RCFDS563
RCFDS564
RCFDS565
RCFDS566
RCFDS567
RCFDS568
other items subject to risk weighting by risk-weight category
(for each of columns C through P, sum of items 11 through
0
0
0
0
0
15,000
22; for column Q, sum of items 10 through 22)......................

23.

24. Risk weight factor

24.

25. Risk-weighted assets by risk-weight category (for each


column, item 23 multiplied by item 24)...................................

RCFDS574

RCFDS575

RCFDS576

RCFDS577

RCFDS578

RCFDS579

187,500 25.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
79

Schedule RC-R Part II - Risk-Weighted Assets


Dollar amounts in thousands

26. Risk-weighted assets base for purposes of calculating the allowance for loan and lease
losses 1.25 percent threshold................................................................................................
27. Standardized market-risk weighted assets (applicable only to banks that are covered by
the market risk capital rule)....................................................................................................
28. Risk-weighted assets before deductions for excess allowance of loan and lease losses
and allocated risk transfer risk reserve...................................................................................
29. LESS: Excess allowance for loan and lease losses.........................................................
30. LESS: Allocated transfer risk reserve...............................................................................
31. Total risk-weighted assets (item 28 minus items 29 and 30)............................................
1. Current credit exposure across all derivative contracts covered by the regulatory capital
rules.......................................................................................................................................

183,997,080

RCFDS580

26.

24,224,000

RCFDS581

27.

208,221,080

RCFDB704

28.

RCFD3128

0 29.
0 30.

RCFDG641

208,221,080 31.

RCFDA222

65,391,000

RCFDG642

M.1.

Schedule RC-R Part II - Risk-Weighted Assets


(Column A) With (Column B) With (Column C) With
a remaining
a remaining
a remaining
maturity of One maturity of Over maturity of Over
year or less
one year
five years
through five
years
Dollar amounts in thousands
2. Notional principal amounts of over-the-counter derivative contracts:

M.2.

RCFDS582

a. Interest rate.................................................................................

RCFDS583

10,674,055,000
RCFDS585

b. Foreign exchange rate and gold..................................................

454,348,000
23,142,000

e. Equity..........................................................................................

17,338,000
35,303,000

g. Other...........................................................................................

62,264,000
34,703,000

7,412,000 M.2.e.
RCFDS599

0
RCFDS601

7,108,000

8,975,000 M.2.d.
RCFDS596

9,084,000

7,849,000 M.2.c.
RCFDS593

RCFDS598

RCFDS600

154,474,000 M.2.b.
RCFDS590

RCFDS595

RCFDS597

f. Precious metals (except gold)......................................................

214,724,000

RCFDS592

RCFDS594

8,663,358,000 M.2.a.
RCFDS587

RCFDS589

RCFDS591

d. Credit (non-investment grade reference asset)...........................

13,055,225,000
RCFDS586

RCFDS588

c. Credit (investment grade reference asset)..................................

RCFDS584

0 M.2.f.
RCFDS602

803,000

0 M.2.g.

3. Notional principal amounts of centrally cleared derivative contracts:


a. Interest rate.................................................................................

M.3.

RCFDS603

RCFDS604

RCFDS605

4,855,923,000

3,435,412,000

2,337,473,000 M.3.a.

RCFDS606

RCFDS607

RCFDS608

b. Foreign exchange rate and gold..................................................

0
RCFDS609

c. Credit (investment grade reference asset)..................................

0
RCFDS612

d. Credit (non-investment grade reference asset)...........................

e. Equity..........................................................................................

0 M.3.d.
RCFDS617

0
RCFDS619

0 M.3.c.
RCFDS614

RCFDS616

RCFDS618

0 M.3.b.
RCFDS611

RCFDS613

RCFDS615

f. Precious metals (except gold)......................................................

0
RCFDS610

0 M.3.e.
RCFDS620

0 M.3.f.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
80

(Column A) With (Column B) With (Column C) With


a remaining
a remaining
a remaining
maturity of One maturity of Over maturity of Over
year or less
one year
five years
through five
years
Dollar amounts in thousands
RCFDS621

g. Other...........................................................................................

RCFDS622

RCFDS623

0 M.3.g.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
81

Schedule RC-S - Servicing Securitization and Asset Sale Activities


(Column A)
1-4 Family
Residential
Loans

(Column B)
Home Equity
Lines

(Column C)
Credit Card
Receivables

(Column D)
Auto Loans

(Column E)
Other
Consumer
Loans

1. Outstanding principal balance of assets sold and securitized


by the reporting bank with servicing retained or with recourse
or other seller-provided credit enhancements........................
2. Maximum amount of credit exposure arising from recourse
or other seller-provided credit enhancements provided to
structures reported in item 1 in the form of:

RCFDB705

RCFDB706

RCFDB707

RCFDB708

RCFDB709

a. Credit-enhancing interest-only strips (included in


Schedules RC-B or RC-F or in Schedule RC, item 5)......

RCFDB712

(Column F)
(Column G)
Commercial
All Other
and Industrial Loans, All
Loans
Leases, and
All Other
Assets

Dollar amounts in thousands

RCFDB711

b. Subordinated securities and other residual interests.....

c. Standby letters of credit and other enhancements.......

RCFDB714

RCFDC394

RCFDC400

0
RCFDC395

0
RCFDC401

0
RCFDB726

0 2.a.
RCFDC399

0
RCFDC405

0
RCFDB730

RCFDB718

RCFDC398

RCFDC404

RCFDB729

RCFDB717

RCFDC397

RCFDC403

RCFDB728

RCFDB716

RCFDC396

RCFDC402

RCFDB727

RCFDB715

0 2.b.
RCFDC406

0
RCFDB731

0 2.c.
RCFDB732

0 3.

4. Past due loan amounts included in item 1:

4.

RCFDB733

a. 30-89 days past due.....................................................

RCFDB734

0
RCFDB740

b. 90 days or more past due.............................................


5. Charge-offs and recoveries on assets sold and securitized
with servicing retained or with recourse or other
seller-provided credit enhancements (calendar year-to-date):

RCFDB735

0
RCFDB741

RCFDB736

0
RCFDB742

RCFDB737

0
RCFDB743

RCFDB738

0
RCFDB744

RCFDB739

0
RCFDB745

a. Charge-offs...................................................................

RIADB748

0
RIADB754

RIADB749

0
RIADB755

RIADB750

0
RIADB756

RIADB751

0
RIADB757

RIADB752

0 4.b.

0
RIADB758

RIADB753

0
RIADB759

0 5.a.
RIADB760

6. Amount of ownership (or seller's) interests carried as:


a. Securities (included in Schedule RC-B or in Schedule
RC, item 5).......................................................................

0 4.a.
RCFDB746

5.

RIADB747

b. Recoveries....................................................................

1.

2.

RCFDB713

RCFDC393

3. Reporting bank's unused commitments to provide liquidity


to structures reported in item 1..............................................

RCFDB710

0 5.b.
6.

RCFDB761

RCFDB762

RCFDB763

6.a.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
82

(Column A)
1-4 Family
Residential
Loans

(Column B)
Home Equity
Lines

(Column C)
Credit Card
Receivables

RCFDB500

RCFDB501

(Column D)
Auto Loans

(Column E)
Other
Consumer
Loans

(Column F)
(Column G)
Commercial
All Other
and Industrial Loans, All
Loans
Leases, and
All Other
Assets

Dollar amounts in thousands

b. Loans (included in Schedule RC-C).............................

RCFDB502

6.b.

7. Past due loan amounts included in interests reported in


item 6.a:

7.

RCFDB764

a. 30-89 days past due ....................................................

RCFDB765

0
RCFDB767

b. 90 days or more past due ............................................

RCFDB766

0
RCFDB768

7.a.

7.b.

RCFDB769

8. Charge-offs and recoveries on loan amounts included in


interests reported in item 6.a (calendar year-to-date):

8.

RIADB770

a. Charge-offs...................................................................

RIADB771

0
RIADB773

b. Recoveries....................................................................
9. Maximum amount of credit exposure arising from credit
enhancements provided by the reporting bank to other
institutions' securitization structures in the form of standby
letters of credit, purchased subordinated securities, and other
enhancements.......................................................................

RCFDB777

RIADB774

0
RCFDB776

RIADB772

0
RCFDB778

8.a.

RIADB775

0
RCFDB779

RCFDB780

RCFDB781

8.b.

RCFDB782

0
9.

10. Reporting bank's unused commitments to provide liquidity


to other institutions' securitization structures.........................

RCFDB783

11. Assets sold with recourse or other seller-provided credit


enhancements and not securitized by the reporting bank.....
12. Maximum amount of credit exposure arising from recourse
or other seller-provided credit enhancements provided to
assets reported in item 11.....................................................

RCFDB790

RCFDB784

RCFDB785

0
RCFDB791

0
RCFDB797

0
RCFDB792

0
RCFDB798

RCFDB786

0
RCFDB793

0
RCFDB799

RCFDB787

0
RCFDB794

0
RCFDB800

RCFDB788

0
RCFDB795

0
RCFDB801

RCFDB789

0
RCFDB802

0 10.
RCFDB796

0 11.
RCFDB803

12.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
83

Schedule RC-S - Servicing Securitization and Asset Sale Activities


Dollar amounts in thousands

1. Small business obligations transferred with recourse under Section 208 of the Riegle
Community Development and Regulatory Improvement Act of 1994:
a. Outstanding principal balance......................................................................................
b. Amount of retained recourse on these obligations as of the report date......................
2. Outstanding principal balance of assets serviced for others (includes participations serviced
for others):
a. Closed-end 1-4 family residential mortgages serviced with recourse or other
servicer-provided credit enhancements............................................................................
b. Closed-end 1-4 family residential mortgages serviced with no recourse or other
servicer-provided credit enhancements............................................................................
c. Other financial assets (includes home equity lines)......................................................
d. 1-4 family residential mortgages serviced for others that are in process of foreclosure
at quarter-end (includes closed-end and open-end loans)...............................................
3. Asset-backed commercial paper conduits:
a. Maximum amount of credit exposure arising from credit enhancements provided to
conduit structures in the form of standby letters of credit, subordinated securities, and
other enhancements:
1. Conduits sponsored by the bank, a bank affiliate, or the bank's holding company..
2. Conduits sponsored by other unrelated institutions................................................
b. Unused commitments to provide liquidity to conduit structures:
1. Conduits sponsored by the bank, a bank affiliate, or the bank's holding company..
2. Conduits sponsored by other unrelated institutions................................................
4. Outstanding credit card fees and finance charges included in Schedule RC-S, item 1,
column C................................................................................................................................

M.1.

RCFDA249
RCFDA250

0 M.1.a.
0 M.1.b.
M.2.

RCFDB804

0
M.2.a.

RCFDB805

RCFDA591

0 M.2.c.

RCFDF699

M.2.b.

M.2.d.
M.3.

M.3.a.

RCFDB806
RCFDB807

0 M.3.a.1.
0 M.3.a.2.
M.3.b.

RCFDB808
RCFDB809

0 M.3.b.1.
0 M.3.b.2.

RCFDC407
M.4.

Schedule RC-T - Fiduciary and Related Services


Dollar amounts in thousands

1. Does the institution have fiduciary powers? (If "NO," do not complete Schedule RC-T.)....
2. Does the institution exercise the fiduciary powers it has been granted?............................
3. Does the institution have any fiduciary or related activity (in the form of assets or accounts)
to report in this schedule? (If "NO," do not complete the rest of Schedule RC-T.).................

RCFDA345
RCFDA346
RCFDB867

Yes 1.
Yes 2.
No
3.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
84

Schedule RC-T - Fiduciary and Related Services


(Column A)
Managed Assets

(Column B)
Non-Managed
Assets

RCFDB868

RCFDB869

Dollar amounts in thousands

4. Personal trust and agency accounts.....................................................................

NR

(Column C) Number (Column D) Number


of Managed
of Non-Managed
Accounts
Accounts
RCFDB870

NR

RCFDB871

NR

NR 4.

5. Employee benefit and retirement-related trust and agency accounts:

5.

RCFDB872

a. Employee benefit - defined contribution..........................................................

RCFDB873

NR
RCFDB876

b. Employee benefit - defined benefit..................................................................

NR
RCFDB877

NR
RCFDB880

c. Other employee benefit and retirement-related accounts................................

7. Investment management and investment advisory agency accounts...................


8. Foundation and endowment trust and agency accounts.......................................
9. Other fiduciary accounts.......................................................................................
10. Total fiduciary accounts (sum of items 4 through 9)............................................

NR

NR

NR

NR

NR

NR

NR
RCFDB896

NR

NR 9.
RCFDB897

NR

NR 10.
RCFDB899

NR
RCFNB900

12. Fiduciary accounts held in foreign offices (included in items 10 and 11)............
13. Individual Retirement Accounts, Health Savings Accounts, and other similar
accounts (included in items 5.c and 11)...................................................................

NR 8.
RCFDB893

RCFDB898

11. Custody and safekeeping accounts....................................................................

NR 7.
RCFDJ258

RCFDB892

RCFDB895

NR 6.
RCFDJ254

RCFDJ257

RCFDB891

RCFDB894

NR

NR

NR

NR 5.c.
RCFDC002

RCFDB888

RCFDJ256

RCFDB890

NR

NR

NR

NR 5.b.
RCFDB883

RCFDC001

RCFDJ253

RCFDJ255

NR

NR

NR

NR 5.a.
RCFDB879

RCFDB882

RCFDB885

RCFDB886

NR

NR

NR

RCFDB875

RCFDB878

RCFDB881

RCFDB884

6. Corporate trust and agency accounts...................................................................

RCFDB874

RCFNB901

NR
RCFDJ259

NR
RCFDJ260

NR

NR 11.
RCFNB902

RCFNB903

NR
RCFDJ261

NR

NR 12.
RCFDJ262

NR

NR 13.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
85

Schedule RC-T - Fiduciary and Related Services


Dollar amounts in thousands

14. Personal trust and agency accounts................................................................................


15. Employee benefit and retirement-related trust and agency accounts:
a. Employee benefit - defined contribution........................................................................
b. Employee benefit - defined benefit................................................................................
c. Other employee benefit and retirement-related accounts.............................................
16. Corporate trust and agency accounts..............................................................................
17. Investment management and investment advisory agency accounts..............................
18. Foundation and endowment trust and agency accounts..................................................
19. Other fiduciary accounts...................................................................................................
20. Custody and safekeeping accounts..................................................................................
21. Other fiduciary and related services income....................................................................
22. Total gross fiduciary and related services income (sum of items 14 through 21) (must
equal Schedule RI, item 5.a)..................................................................................................
a. Fiduciary and related services income - foreign offices (included in item 22)..............
23. Less: Expenses................................................................................................................
24. Less: Net losses from fiduciary and related services.......................................................
25. Plus: Intracompany income credits for fiduciary and related services..............................
26. Net fiduciary and related services income........................................................................

RIADB904

NR 14.

RIADB905

NR 15.a.
NR 15.b.

15.

RIADB906

NR 15.c.
NR 16.

RIADB907
RIADA479

NR 17.
NR 18.

RIADJ315
RIADJ316

RIADB909

NR 19.
NR 20.

RIADB910

NR 21.

RIADA480

RIAD4070

19,000
22.

0 22.a.
NR 23.

RIADB912
RIADC058

RIADB911

NR 24.
NR 25.

RIADA491

NR 26.

RIADA488

Schedule RC-T - Fiduciary and Related Services


(Column A)
(Column B)
(Column C) All
Personal Trust
Employee
Other Accounts
and Agency and Benefit and
Investment
Retirement-Related
Management
Trust and
Agency
Agency
Accounts
Accounts
Dollar amounts in thousands
1. Managed assets held in fiduciary accounts:

M.1.

RCFDJ263

a. Noninterest-bearing deposits......................................................

RCFDJ264

NR
RCFDJ266

b. Interest-bearing deposits.............................................................

NR

NR

NR

d. State, county, and municipal obligations.....................................

NR

NR

e. Money market mutual funds........................................................

NR

NR

f. Equity mutual funds......................................................................

NR

NR

g. Other mutual funds......................................................................

NR

NR

h. Common trust funds and collective investment funds.................

NR

NR

i. Other short-term obligations.........................................................

NR

NR

NR M.1.h.
RCFDJ289

NR
RCFDJ291

NR

NR M.1.g.
RCFDJ286

RCFDJ288

RCFDJ290

NR M.1.f.
RCFDJ283

RCFDJ285

RCFDJ287

NR M.1.e.
RCFDJ280

RCFDJ282

RCFDJ284

NR M.1.d.
RCFDJ277

RCFDJ279

RCFDJ281

NR M.1.c.
RCFDJ274

RCFDJ276

RCFDJ278

NR M.1.b.
RCFDJ271

RCFDJ273

RCFDJ275

NR M.1.a.
RCFDJ268

RCFDJ270

RCFDJ272

j. Other notes and bonds.................................................................

NR
RCFDJ267

RCFDJ269

c. U.S. Treasury and U.S. Government agency obligations.............

RCFDJ265

NR M.1.i.
RCFDJ292

NR

NR M.1.j.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
86

(Column A)
(Column B)
(Column C) All
Personal Trust
Employee
Other Accounts
and Agency and Benefit and
Investment
Retirement-Related
Management
Trust and
Agency
Agency
Accounts
Accounts
Dollar amounts in thousands
RCFDJ293

k. Investments in unregistered funds and private equity


investments.....................................................................................

RCFDJ294

NR
RCFDJ296

l. Other common and preferred stocks............................................

NR
RCFDJ297

NR
RCFDJ299

m. Real estate mortgages...............................................................

NR

NR

NR

NR

o. Miscellaneous assets..................................................................

NR

NR

p.Total managed assets held in fiduciary accounts (for each column,


sum of Memorandum items 1.a through 1.o)..................................

NR M.1.m.
RCFDJ304

RCFDJ306

RCFDJ308

NR M.1.l.
RCFDJ301

RCFDJ303

RCFDJ305

NR M.1.k.
RCFDJ298

RCFDJ300

RCFDJ302

n. Real estate..................................................................................

RCFDJ295

NR M.1.n.
RCFDJ307

NR
RCFDJ309

NR

NR M.1.o.
RCFDJ310

NR

NR M.1.p.

Schedule RC-T - Fiduciary and Related Services


(Column A) Managed
Assets

Dollar amounts in thousands

q. Investments of managed fiduciary accounts in advised or sponsored


mutual funds.............................................................................................

RCFDJ311

(Column B) Number of
Managed Accounts

NR RCFDJ312

NR
M.1.q.

Schedule RC-T - Fiduciary and Related Services


Dollar amounts in thousands

(Column A) Number of
Issues

2. Corporate trust and agency accounts:


a. Corporate and municipal trusteeships............................................. RCFDB927
1. Issues reported in Memorandum item 2.a that are in default..... RCFDJ313
b. Transfer agent, registrar, paying agent, and other corporate
RCFDB929
agency.................................................................................................

(Column B) Principal
Amount Outstanding
M.2.

NR RCFDB928
NR RCFDJ314

NR M.2.a.
NR M.2.a.1.

NR
M.2.b.

Schedule RC-T - Fiduciary and Related Services


Dollar amounts in thousands

3. Collective investment funds and common trust funds:


a. Domestic equity...............................................................................
b. International/Global equity...............................................................
c. Stock/Bond blend.............................................................................
d. Taxable bond...................................................................................
e. Municipal bond................................................................................
f. Short term investments/Money market.............................................
g. Specialty/Other................................................................................
h. Total collective investment funds (sum of Memorandum items 3.a
through 3.g).........................................................................................

(Column A) Number of (Column B) Market Value


Funds
of Fund Assets
M.3.

RCFDB931

NR RCFDB932

NR M.3.a.
NR M.3.b.

RCFDB933

NR RCFDB934

RCFDB935

NR RCFDB936

RCFDB937

NR RCFDB938

RCFDB939

NR RCFDB940

RCFDB941

NR RCFDB942

NR M.3.e.
NR M.3.f.

RCFDB943

NR RCFDB944

NR M.3.g.

RCFDB945

NR RCFDB946

NR

NR M.3.c.
NR M.3.d.

M.3.h.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
87

Schedule RC-T - Fiduciary and Related Services

Dollar amounts in thousands

(Column A)
Gross Losses
Managed
Accounts

(Column B)
Gross Losses
Non-Managed
Accounts

(Column C)
Recoveries

RIADB947

RIADB948

RIADB949

4. Fiduciary settlements, surcharges, and other losses:

M.4.

a. Personal trust and agency accounts...........................................


b. Employee benefit and retirement-related trust and agency
accounts..........................................................................................

NR
RIADB950

NR
RIADB953

c. Investment management agency accounts.................................

NR

NR

NR M.4.b.
RIADB955

NR
RIADB957

NR
RIADB959

NR M.4.a.
RIADB952

RIADB954

RIADB956

d. Other fiduciary accounts and related services............................


e. Total fiduciary settlements, surcharges, and other losses (sum
of Memorandum items 4.a through 4.d) (sum of columns A and B
minus column C must equal Schedule RC-T, item 24)....................

NR
RIADB951

NR M.4.c.
RIADB958

NR
RIADB960

NR

NR M.4.d.
RIADB961

NR

NR

M.4.e.

Schedule RC-V - Variable Interest Entities


Dollar amounts in thousands

(Column A)
Securitization
Vehicles

(Column B)
ABCP Conduits

(Column C)
Other VIEs

RCFDJ981

RCFDJ982

RCFDJ983

1. Assets of consolidated variable interest entities (VIEs) that can be


used only to settle obligations of the consolidated VIEs:

1.

a. Cash and balances due from depository institutions...................

0
RCFDJ984

b. Held-to-maturity securities...........................................................

0
RCFDJ985

0
RCFDJ987

c. Available-for-sale securities.........................................................

0
RCFDJ988

0
RCFDJ990

d. Securities purchased under agreements to resell.......................

e. Loans and leases held for sale....................................................

f. Loans and leases, net of unearned income.................................

g. Less: Allowance for loan and lease losses..................................

h. Trading assets (other than derivatives)........................................

i. Derivative trading assets..............................................................

j. Other real estate owned...............................................................

k. Other assets................................................................................

0 1.h.
RCFDK008

RCFDK010

RCFDK012

0 1.g.
RCFDK005

RCFDK007

RCFDK009

0 1.f.
RCFDK002

RCFDK004

RCFDK006

0 1.e.
RCFDJ998

RCFDK001

RCFDK003

0 1.d.
RCFDJ995

RCFDJ997

RCFDJ999

0 1.c.
RCFDJ992

RCFDJ994

RCFDJ996

0 1.b.
RCFDJ989

RCFDJ991

RCFDJ993

0 1.a.
RCFDJ986

0 1.i.
RCFDK011

0
RCFDK013

0 1.j.
RCFDK014

0 1.k.

2. Liabilities of consolidated VIEs for which creditors do not have


recourse to the general credit of the reporting bank:

2.

RCFDK015

a. Securities sold under agreements to repurchase........................

RCFDK016

RCFDK017

0 2.a.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
88

Dollar amounts in thousands

(Column A)
Securitization
Vehicles

(Column B)
ABCP Conduits

(Column C)
Other VIEs

RCFDK019

RCFDK020

RCFDK018

b. Derivative trading liabilities..........................................................

0
RCFDK021

c. Commercial paper.......................................................................

0
RCFDK022

0
RCFDK024

d. Other borrowed money (exclude commercial paper)..................

0
RCFDK025

0
RCFDK027

e. Other liabilities.............................................................................
RCFDK030

4. All other liabilities of consolidated VIEs (not included in items 2.a


through 2.e above)................................................................................

RCFDK033

RCFDK026

RCFDK028

0 2.d.
RCFDK029

0
RCFDK031

0 2.e.
RCFDK032

0
RCFDK034

0 2.c.

3. All other assets of consolidated VIEs (not included in items 1.a.


through 1.k above)................................................................................

0 2.b.
RCFDK023

0 3.
RCFDK035

0 4.

General Instructions
Dollar amounts in thousands

1. Who Must Report on What Forms


a. Close of Business
b. Frequency of Reporting
c. Differences in Detail of Reports
d. Shifts in Reporting Status
2. Organization of the Instruction Books
3. Preparation of the Reports
4. Signatures
a. Officer Declaration
b. Director Attestation
5. Submission of the Reports
a. Submission Date
b. Amended Reports
6. Retention of Reports
7. Scope of the "Consolidated Bank" Required to be Reported in the Submitted Reports
a. Exclusions from the Coverage of the Consolidated Report
8. Rules of Consolidation
9. Reporting by Type of Office (For banks with foreign offices)
10. Publication Requirements for the Report of Condition
11. Release of Individual Bank Reports
12. Applicability of Generally Accepted Accounting Principles to Regulatory Reporting
Requirements
13. Accrual Basis Reporting
14. Miscellaneous General Instructions
a. Rounding
b. Negative Entries
c. Verification
d. Transactions Occurring Near the End of a Reporting Period
15. Separate Branch Reports

1.
1.a.
1.b.
1.c.
1.d.
2.
3.
4.
4.a.
4.b.
5.
5.a.
5.b.
6.
7.
7.a.
8.
9.
10.
11.
12.
13.
14.
14.a.
14.b.
14.c.
14.d.
15.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
89

Glossary
Dollar amounts in thousands

1. Glossary
2. Acceptances
3. Accounting Changes
4. Accounting Errors, Corrections of
5. Accounting Estimates, Changes in
6. Accounting Principles, Changes in
7. Accrued Interest Receivable Related to Credit Card Securitizations
8. Acquisition, Development, or Construction (ADC) Arrangements
9. Agreement Corporation
10. Allowance for Loan and Lease Losses
11. Applicable Income Taxes
12. Associated Company
13. ATS Account
14. Bankers Acceptances
a. Bank-Owned Life Insurance
15. Banks, U.S. and Foreign
16. Banks in Foreign Countries
17. Bill-of-Lading Draft
18. Borrowings and Deposits in Foreign Offices
19. Brokered Deposits
20. Broker's Security Draft
21. Business Combinations
22. Call Option
a. Capital Contributions of Cash and Notes Receivable
23. Capitalization of Interest Costs
24. Carrybacks and Carryforwards
25. Cash Management Arrangements
26. Certificate of Deposit
27. Changes in Accounting Estimates
28. Changes in Accounting Principles
29. Clearing Accounts
30. Commercial Banks in the U.S.
31. Commercial Letter of Credit
32. Commercial Paper
33. Commodity or Bill-of-Lading Draft
34. Common Stock of Unconsolidated Subsidaries, Investments in
35. Continuing Contract
36. Corporate Joint Venture
37. Corrections of Accounting Errors
38. Coupon Stripping, Treasury Receipts, and STRIPS
39. Custody Account
40. Dealer Reserve Account
a. Deferred Compensation Agreements
41. Deferred Income Taxes
a. Defined Benefit Postretirement Plans
42. Demand Deposits
43. Depository Institutions in the U.S.
44. Deposits
45. Derivative Contracts

1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
14.a.
15.
16.
17.
18.
19.
20.
21.
22.
22.a.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.
35.
36.
37.
38.
39.
40.
40.a.
41.
41.a.
42.
43.
44.
45.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
90

Dollar amounts in thousands

a. Discounts
46. Dividends
47. Domestic Office
48. Domicile
49. Due Bills
50. Edge and Agreement Corporation
a. Equity-Indexed Certificates of Deposit
51. Equity Method of Accounting
52. Extinguishments of Liabilities
53. Extraordinary Items
54. Fails
a. Fair Value
55. Federal Funds Transactions
56. Federally-Sponsored Lending Agency
57. Fees, Loan
58. Foreclosed Assets
59. Foreign Banks
60. Foreign Currency Transactions and Translation
61. Foreign Debt Exchange Transactions
62. Foreign Governments and Official Institutions
63. Foreign Office
64. Forward Contracts
65. Functional Currency
66. Futures Contracts
67. Goodwill
68. Hypothecated Deposit
69. IBF
70. Income Taxes
71. Intangible Assets
72. Interest-Bearing Account
73. Interest Capitalization
74. Interest Rate Swaps
75. Internal-Use Computer Software
76. International Banking Facility (IBF)
77. Interoffice Accounts
78. Investments in Common Stock of Unconsolidated Subsidiaries
79. Joint Venture
80. Lease Accounting
81. Letter of Credit
82. Limited-Life Preferred Stock
83. Loan
84. Loan Fees
85. Loan Impairment
86. Loan Secured by Real Estate
87. Loss Contingencies
88. Majority-Owned Subsidiary
89. Mandatory Convertible Debt
91. Mergers
92. Money Market Deposit Account (MMDA)
93. Nonaccrual Status
94. Noninterest-Bearing Account

45.a.
46.
47.
48.
49.
50.
50.a.
51.
52.
53.
54.
54.a.
55.
56.
57.
58.
59.
60.
61.
62.
63.
64.
65.
66.
67.
68.
69.
70.
71.
72.
73.
74.
75.
76.
77.
78.
79.
80.
81.
82.
83.
84.
85.
86.
87.
88.
89.
91.
92.
93.
94.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
91

Dollar amounts in thousands

95. Nontransaction Account


96. NOW Account
97. Offsetting
98. One-Day Transaction
99. Option
100. Organization Costs
101. Other Depository Institutions in the U.S.
102. Other Real Estate Owned
103. Overdraft
104. Participations
105. Participations in Acceptances
106. Participations in Pools of Securities
107. Pass-through Reserve Balances
108. Perpetual Preferred Stock
109. Placements and Takings
110. Pooling of Interests
111. Preauthorized Transfer Account
112. Preferred Stock
113. Premiums and Discounts
114. Purchase Acquisition
a. Purchased Impaired Loans and Debt Securities
115. Put Option
116. Real Estate ADC Arrangements
117. Real Estate, Loan Secured By
118. Reciprocal Balances
119. Renegotiated Troubled Debt
120. Reorganizations
121. Repurchase/Resale Agreements
122. Reserve Balances, Pass-through
123. Retail Sweep Arrangements
124. Sales of Assets for Risk-Based Capital Purposes
125. Savings Deposits
126. Securities Activities
127. Securities Borrowing/Lending Transactions
128. Securities, Participations in Pools of
129. Servicing Assets and Liabilities
130. Settlement Date Accounting
131. Shell Branches
132. Short Position
133. Significant Subsidary
134. Standby Letter of Credit
135. Start-Up Activities
136. STRIPS
137. Subordinated Notes and Debentures
138. Subsidiaries
139. Suspense Accounts
140. Syndications
141. Telephone Transfer Account
142. Term Federal Funds
143. Time Deposits
144. Trade Date and Settlement Date Accounting

95.
96.
97.
98.
99.
100.
101.
102.
103.
104.
105.
106.
107.
108.
109.
110.
111.
112.
113.
114.
114.a.
115.
116.
117.
118.
119.
120.
121.
122.
123.
124.
125.
126.
127.
128.
129.
130.
131.
132.
133.
134.
135.
136.
137.
138.
139.
140.
141.
142.
143.
144.

GOLDMAN SACHS BANK USA


RSSD-ID 2182786
Last Updated on 7/30/2015

FFIEC 031
Quarter End Date 6/30/2015
92

Dollar amounts in thousands

145. Trading Account


146. Transction Account
147. Transfers of Financial Assets
148. Traveler's Letter of Credit
149. Treasury Receipts
150. Treasury Stock
151. Troubled Debt Restructurings
152. Trust Preferred Securities
153. U.S. Banks
154. U.S. Territories and Possessions
155. Valuation Allowance
156. When-Issued Securities Transactions

145.
146.
147.
148.
149.
150.
151.
152.
153.
154.
155.
156.

PUBLIC EXHIBIT 2
GE Capital Banks Call Report for the quarter ended June 30, 2015

SC1:3928381.1

Board of Governors of the Federal Reserve System


Federal Deposit Insurance Corporation
Office of the Comptroller of the Currency

Federal Financial Institutions Examination Council


1

Consolidated Reports of Condition and Income for A Bank With


Domestic Offices Only - FFIEC 041
Institution Name

GE CAPITAL BANK

City

HOLLADAY

State

UT

Zip Code

84121

Call Report Quarter End Date

6/30/2015

Report Type

041

RSSD-ID

2017570

FDIC Certificate Number

33778

OCC Charter Number

ABA Routing Number

124084944

Last updated on

7/29/2015

Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency
Legend: NR - Not Reported, CONF - Confidential

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
2

Bank Demographic Information


Dollar amounts in thousands

1. Reporting date....................................................................................................................
2. FDIC certificate number.....................................................................................................
3. Legal title of bank...............................................................................................................
4. City.....................................................................................................................................
5. State abbreviation...............................................................................................................
6. Zip code..............................................................................................................................

20150630 1.
33778 2.

RCON9999
RSSD9050
RSSD9017

GE CAPITAL
BANK

3.

RSSD9130

Salt Lake City

4.

RSSD9200

UT

5.

RSSD9220

84121

6.

Contact Information
Dollar amounts in thousands

1. Contact Information for the Reports of Condition and Income


a. Chief Financial Officer (or Equivalent) Signing the Reports
1. Name.......................................................................................................................
2. Title..........................................................................................................................
3. E-mail Address........................................................................................................
4. Telephone................................................................................................................
5. FAX.........................................................................................................................
b. Other Person to Whom Questions about the Reports Should be Directed
1. Name.......................................................................................................................
2. Title..........................................................................................................................
3. E-mail Address........................................................................................................
4. Telephone................................................................................................................
5. FAX.........................................................................................................................
2. Person to whom questions about Schedule RC-T - Fiduciary and Related Services should
be directed
a. Name and Title..............................................................................................................
b. E-mail Address..............................................................................................................
c. Telephone......................................................................................................................
d. FAX...............................................................................................................................
3. Emergency Contact Information
a. Primary Contact
1. Name.......................................................................................................................
2. Title..........................................................................................................................
3. E-mail Address........................................................................................................
4. Telephone................................................................................................................
5. FAX.........................................................................................................................
b. Secondary Contact
1. Name.......................................................................................................................
2. Title..........................................................................................................................
3. E-mail Address........................................................................................................
4. Telephone................................................................................................................
5. FAX.........................................................................................................................
4. USA PATRIOT Act Section 314(a) Anti-Money Laundering Contact Information
a. Primary Contact
1. Name.......................................................................................................................
2. Title..........................................................................................................................
3. E-mail Address........................................................................................................
4. Telephone................................................................................................................
b. Secondary Contact

1.
1.a.

TEXTC490
TEXTC491

CONF 1.a.1.
CONF 1.a.2.

TEXTC493

CONF 1.a.3.
CONF 1.a.4.

TEXTC494

CONF 1.a.5.

TEXTC495

CONF 1.b.1.
CONF 1.b.2.

TEXTC492

1.b.

TEXTC496

TEXT8902

CONF 1.b.3.
CONF 1.b.4.

TEXT9116

CONF 1.b.5.

TEXTB962

CONF 2.a.
CONF 2.b.

TEXT4086

2.

TEXTB926
TEXTB963
TEXTB964

CONF 2.c.
CONF 2.d.
3.
3.a.

TEXTC366
TEXTC367

CONF 3.a.1.
CONF 3.a.2.

TEXTC369

CONF 3.a.3.
CONF 3.a.4.

TEXTC370

CONF 3.a.5.

TEXTC371

CONF 3.b.1.
CONF 3.b.2.

TEXTC368

3.b.

TEXTC372

TEXTC374

CONF 3.b.3.
CONF 3.b.4.

TEXTC375

CONF 3.b.5.

TEXTC373

4.
4.a.

TEXTC437
TEXTC438
TEXTC439
TEXTC440

CONF 4.a.1.
CONF 4.a.2.
CONF 4.a.3.
CONF 4.a.4.
4.b.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
3

Dollar amounts in thousands

1. Name.......................................................................................................................
2. Title..........................................................................................................................
3. E-mail Address........................................................................................................
4. Telephone................................................................................................................
c. Third Contact
1. Name.......................................................................................................................
2. Title..........................................................................................................................
3. E-mail Address........................................................................................................
4. Telephone................................................................................................................
d. Fourth Contact
1. Name.......................................................................................................................
2. Title..........................................................................................................................
3. E-mail Address........................................................................................................
4. Telephone................................................................................................................

TEXTC442
TEXTC443
TEXTC444
TEXTC445

CONF 4.b.1.
CONF 4.b.2.
CONF 4.b.3.
CONF 4.b.4.
4.c.

TEXTC870
TEXTC871
TEXTC872
TEXTC873

CONF 4.c.1.
CONF 4.c.2.
CONF 4.c.3.
CONF 4.c.4.
4.d.

TEXTC875
TEXTC876
TEXTC877
TEXTC878

CONF 4.d.1.
CONF 4.d.2.
CONF 4.d.3.
CONF 4.d.4.

Optional Narrative Statement Concerning the Amounts Reported in the Reports of


Condition and Income
Dollar amounts in thousands

1. Comments?........................................................................................................................
2. Bank Management Statement............................................................................................

Yes 1.

RCON6979
TEXT6980

Click here for


value

2.

(TEXT6980) The results presented herein reflect GE Capital Bank's change of strategy from an ongoing business to discontinued
operations and resulting treatment of all financiing recivalbes under held for sale accounting.

Schedule RI - Income Statement


Dollar amounts in thousands

1. Interest income:
a. Interest and fee income on loans:
1. Loans secured by real estate:
a. Loans secured by 1-4 family residential properties...........................................
b. All other loans secured by real estate................................................................
2. Commercial and industrial loans.............................................................................
3. Loans to individuals for household, family, and other personal expenditures:
a. Credit cards.......................................................................................................
b. Other (includes revolving credit plans other than credit cards, automobile loans,
and other consumer loans)....................................................................................
4. Loans to foreign governments and official institutions.............................................
5. All other loans.........................................................................................................
6. Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(5)).....
b. Income from lease financing receivables......................................................................
c. Interest income on balances due from depository institutions......................................
d. Interest and dividend income on securities:
1. U.S. Treasury securities and U.S. Government agency obligations (excluding
mortgage-backed securities).......................................................................................
2. Mortgage-backed securities....................................................................................
3. All other securities (includes securities issued by states and political subdivisions
in the U.S.)..................................................................................................................
e. Interest income from trading assets..............................................................................

1.
1.a.
1.a.1.

RIAD4436

0 1.a.1.a.
0 1.a.1.b.

RIAD4012

0 1.a.2.

RIADB485

0 1.a.3.a.

RIADB486

RIAD4056

0 1.a.4.
0 1.a.5.

RIAD4435

1.a.3.

1.a.3.b.

RIAD4058

RIAD4065

0 1.a.6.
0 1.b.

RIAD4115

0 1.c.

RIAD4010

1.d.

RIADB488

RIADB489

0 1.d.2.

RIAD4060

RIAD4069

0 1.e.

1.d.1.

1.d.3.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
4

Dollar amounts in thousands

f. Interest income on federal funds sold and securities purchased under agreements to
resell.................................................................................................................................
g. Other interest income...................................................................................................
h. Total interest income (sum of items 1.a.(6) through 1.g)...............................................
2. Interest expense:
a. Interest on deposits:
1. Transaction accounts (interest-bearing demand deposits, NOW accounts, ATS
accounts, and telephone and preauthorized transfer accounts).................................
2. Nontransaction accounts:
a. Savings deposits (includes MMDAs).................................................................
b. Time deposits of $100,000 or more...................................................................
c. Time deposits of less than $100,000.................................................................
b. Expense of federal funds purchased and securities sold under agreements to
repurchase........................................................................................................................
c. Interest on trading liabilities and other borrowed money...............................................
d. Interest on subordinated notes and debentures...........................................................
e. Total interest expense (sum of items 2.a through 2.d)..................................................
3. Net interest income (item 1.h minus 2.e)............................................................................
4. Provision for loan and lease losses....................................................................................
5. Noninterest income:
a. Income from fiduciary activities ....................................................................................
b. Service charges on deposit accounts...........................................................................
c. Trading revenue.............................................................................................................
d. Not available
1. Fees and commissions from securities brokerage..................................................
2. Investment banking, advisory, and underwriting fees and commissions.................
3. Fees and commissions from annuity sales.............................................................
4. Underwriting income from insurance and reinsurance activities.............................
5. Income from other insurance activities....................................................................
e. Venture capital revenue.................................................................................................
f. Net servicing fees..........................................................................................................
g. Net securitization income..............................................................................................
h. Not applicable
i. Net gains (losses) on sales of loans and leases............................................................
j. Net gains (losses) on sales of other real estate owned.................................................
k. Net gains (losses) on sales of other assets (excluding securities)................................
l. Other noninterest income...............................................................................................
m. Total noninterest income (sum of items 5.a through 5.l)..............................................
6. Not available
a. Realized gains (losses) on held-to-maturity securities.................................................
b. Realized gains (losses) on available-for-sale securities................................................
7. Noninterest expense:
a. Salaries and employee benefits....................................................................................
b. Expenses of premises and fixed assets (net of rental income) (excluding salaries and
employee benefits and mortgage interest).......................................................................
c. Not available
1. Goodwill impairment losses....................................................................................
2. Amortization expense and impairment losses for other intangible assets..............
d. Other noninterest expense............................................................................................
e. Total noninterest expense (sum of items 7.a through 7.d)............................................
8. Income (loss) before income taxes and extraordinary items and other adjustments (item
3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e).....................................................................

RIAD4020

RIAD4518

0 1.g.
0 1.h.

1.f.

RIAD4107

2.
2.a.

RIAD4508

0
2.a.1.
2.a.2.

RIADA517

0 2.a.2.a.
0 2.a.2.b.

RIADA518

0 2.a.2.c.

RIAD4180

RIAD4185

0 2.c.
0 2.d.

RIAD0093

2.b.

RIAD4200

RIAD4074

0 2.e.
0 3.

RIAD4230

0 4.

RIAD4070
RIAD4080

0 5.a.
0 5.b.

RIADA220

0 5.c.

RIADC886

0 5.d.1.
0 5.d.2.

RIAD4073

5.

5.d.

RIADC888
RIADC887
RIADC386
RIADC387
RIADB491
RIADB492
RIADB493

0 5.d.3.
0 5.d.4.
0 5.d.5.
0 5.e.
0 5.f.
0 5.g.
5.h.

RIAD5416
RIAD5415

0 5.i.
0 5.j.

RIADB497

0 5.k.
0 5.l.

RIAD4079

0 5.m.

RIAD3521
RIAD3196

0 6.a.
0 6.b.

RIAD4135

0 7.a.

RIAD4217

RIADB496

6.

7.

7.b.
7.c.

RIADC216
RIADC232

0 7.c.1.
0 7.c.2.

RIAD4093

0 7.d.
0 7.e.

RIAD4301

RIAD4092

8.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
5

Dollar amounts in thousands

9. Applicable income taxes (on item 8)...................................................................................


10. Income (loss) before extraordinary items and other adjustments (item 8 minus item 9)...
11. Extraordinary items and other adjustments, net of income taxes.....................................
12. Net income (loss) attributable to bank and noncontrolling (minority) interests (sum of
items 10 and 11).....................................................................................................................
13. LESS: Net income (loss) attributable to noncontrolling (minority) interests (if net income,
report as a positive value; if net loss, report as a negative value)..........................................
14. Net income (loss) attributable to bank (item 12 minus item 13).......................................
1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired after
August 7, 1986, that is not deductible for federal income tax purposes.................................
2. Income from the sale and servicing of mutual funds and annuities (included in Schedule
RI, item 8)...............................................................................................................................
3. Income on tax-exempt loans and leases to states and political subdivisions in the U.S.
(included in Schedule RI, items 1.a and 1.b)..........................................................................
4. Income on tax-exempt securities issued by states and political subdivisions in the U.S.
(included in Schedule RI, item 1.d.(3))...................................................................................
5. Number of full-time equivalent employees at end of current period (round to nearest whole
number)..................................................................................................................................
6. Interest and fee income on loans to finance agricultural production and other loans to
farmers (included in Schedule RI, item 1.a.(5))......................................................................
7. If the reporting bank has restated its balance sheet as a result of applying push down
accounting this calendar year, report the date of the bank's acquisition................................
8. Trading revenue (from cash instruments and derivative instruments) (sum of Memorandum
items 8.a through 8.e must equal Schedule RI, item 5.c):
a. Interest rate exposures.................................................................................................
b. Foreign exchange exposures........................................................................................
c. Equity security and index exposures.............................................................................
d. Commodity and other exposures..................................................................................
e. Credit exposures...........................................................................................................
f. Impact on trading revenue of changes in the creditworthiness of the bank's derivatives
counterparties on the bank's derivative assets (included in Memorandum items 8.a
through 8.e above)............................................................................................................
g. Impact on trading revenue of changes in the creditworthiness of the bank on the bank's
derivative liabilities (included in Memorandum items 8.a through 8.e above)...................
9. Net gains (losses) recognized in earnings on credit derivatives that economically hedge
credit exposures held outside the trading account:
a. Net gains (losses) on credit derivatives held for trading...............................................
b. Net gains (losses) on credit derivatives held for purposes other than trading..............
10. Credit losses on derivatives (see instructions).................................................................
11. Does the reporting bank have a Subchapter S election in effect for federal income tax
purposes for the current tax year?.........................................................................................
12. Noncash income from negative amortization on closed-end loans secured by 1-4 family
residential properties (included in Schedule RI, item 1.a.(1)(a))............................................
13. Net gains (losses) recognized in earnings on assets and liabilities that are reported at
fair value under a fair value option:
a. Net gains (losses) on assets.........................................................................................
1. Estimated net gains (losses) on loans attributable to changes in instrument-specific
credit risk.....................................................................................................................
b. Net gains (losses) on liabilities......................................................................................
1. Estimated net gains (losses) on liabilities attributable to changes in
instrument-specific credit risk.....................................................................................
14. Other-than-temporary impairment losses on held-to-maturity and available-for-sale debt
securities:
a. Total other-than-temporary impairment losses..............................................................

RIAD4300

0 9.
0 10.

RIAD4320

-212,442 11.

RIADG104

-212,442

RIAD4302

12.

RIADG103

0
13.

RIAD4340
RIAD4513

-212,442 14.
0
M.1.

RIAD8431

0
M.2.

RIAD4313

0
M.3.

RIAD4507

0
M.4.

RIAD4150

178
M.5.

RIAD4024

0
M.6.

RIAD9106

0
M.7.
M.8.

RIAD8757
RIAD8758

NR M.8.a.
NR M.8.b.

RIAD8760

NR M.8.c.
NR M.8.d.

RIADF186

NR M.8.e.

RIADK090

NR

RIAD8759

M.8.f.

RIADK094

NR
M.8.g.
M.9.

RIADC890

0 M.9.a.
-264 M.9.b.

RIADA251

0 M.10.

RIADC889

RIADA530

No
M.11.

RIADF228

NR
M.12.
M.13.

RIADF551

NR M.13.a.

RIADF552

NR

RIADF553

NR M.13.b.

RIADF554

NR

M.13.a.1.

M.13.b.1.
M.14.

RIADJ319

0 M.14.a.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
6

Dollar amounts in thousands

b. Portion of losses recognized in other comprehensive income (before income taxes)...


c. Net impairment losses recognized in earnings (included in Schedule RI, items 6.a and
6.b) (Memorandum item 14.a minus Memorandum item 14.b).........................................
15. Components of service charges on deposit accounts in domestic offices (sum of
Memorandum items 15.a through 15.d must equal Schedule RI, item 5.b):
a. Consumer overdraft-related service charges levied on those transaction account and
nontransaction savings account deposit products intended primarily for individuals for
personal, household, or family use...................................................................................
b. Consumer account periodic maintenance charges levied on those transaction account
and nontransaction savings account deposit products intended primarily for individuals
for personal, household, or family use..............................................................................
c. Consumer customer automated teller machine (ATM) fees levied on those transaction
account and nontransaction savings account deposit products intended primarily for
individuals for personal, household, or family use............................................................
d. All other service charges on deposit accounts.............................................................

RIADJ320

0 M.14.b.

RIADJ321

0
M.14.c.
M.15.

RIADH032

0
M.15.a.

RIADH033

0
M.15.b.

RIADH034

RIADH035

0 M.15.d.

M.15.c.

Schedule RI-A - Changes in Bank Equity Capital


Dollar amounts in thousands

1. Total bank equity capital most recently reported for the December 31, 2014, Reports of
Condition and Income (i.e., after adjustments from amended Reports of Income)................
2. Cumulative effect of changes in accounting principles and corrections of material accounting
errors......................................................................................................................................
3. Balance end of previous calendar year as restated (sum of items 1 and 2).......................
4. Net income (loss) attributable to bank (must equal Schedule RI, item 14).........................
5. Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stock
transactions)...........................................................................................................................
6. Treasury stock transactions, net.........................................................................................
7. Changes incident to business combinations, net...............................................................
8. LESS: Cash dividends declared on preferred stock...........................................................
9. LESS: Cash dividends declared on common stock............................................................
10. Other comprehensive income...........................................................................................
11. Other transactions with stockholders (including a parent holding company) (not included
in items 5, 6, 8, or 9 above)....................................................................................................
12. Total bank equity capital end of current period (sum of items 3 through 11) (must equal
Schedule RC, item 27.a)........................................................................................................

RIAD3217

3,825,032
1.

RIADB507

0
2.

RIADB508
RIAD4340

3,825,032 3.
-212,442 4.

RIADB509

RIADB510

0 6.
0 7.

5.

RIAD4356

RIAD4460

0 8.
0 9.

RIADB511

-54 10.

RIAD4470

RIAD4415

1,164
11.

RIAD3210

3,613,700
12.

Schedule RI-B Part I - Charge-offs and Recoveries on Loans and Leases


Dollar amounts in thousands

1. Loans secured by real estate:


a. Construction, land development, and other land loans:
1. 1-4 family residential construction loans....................................
2. Other construction loans and all land development and other
land loans......................................................................................
b. Secured by farmland.......................................................................
c. Secured by 1-4 family residential properties:
1. Revolving, open-end loans secured by 1-4 family residential
properties and extended under lines of credit...............................
2. Closed-end loans secured by 1-4 family residential properties:
a. Secured by first liens............................................................
b. Secured by junior liens.........................................................

(Column A) Charge-offs (Column B) Recoveries


Calendar year-to-date
Calendar year-to-date
1.
1.a.

RIADC891

0 RIADC892

RIADC893

395 RIADC894

0 1.a.1.
0
1.a.2.

RIAD3584

RIAD3585

0 1.b.
1.c.

RIAD5411

RIAD5412

0
1.c.1.
1.c.2.

RIADC234

0 RIADC217

RIADC235

0 RIADC218

0 1.c.2.a.
0 1.c.2.b.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
7

Dollar amounts in thousands

d. Secured by multifamily (5 or more) residential properties...............


e. Secured by nonfarm nonresidential properties:
1. Loans secured by owner-occupied nonfarm nonresidential
properties......................................................................................
2. Loans secured by other nonfarm nonresidential properties.......
2. Loans to depository institutions and acceptances of other banks.........
3. Not applicable
4. Commercial and industrial loans...........................................................
5. Loans to individuals for household, family, and other personal
expenditures:
a. Credit cards.....................................................................................
b. Automobile loans.............................................................................
c. Other (includes revolving credit plans other than credit cards and
other consumer loans)........................................................................
6. Loans to foreign governments and official institutions..........................
7. All other loans.......................................................................................
8. Lease financing receivables..................................................................
9. Total (sum of items 1 through 8)............................................................
1. Loans to finance commercial real estate, construction, and land
development activities (not secured by real estate) included in Schedule
RI-B, part I, items 4 and 7, above.............................................................
2. Not available
a. Loans secured by real estate to non-U.S. addressees (domicile)
(included in Schedule RI-B, part I, item 1, above)...............................
b. Loans to and acceptances of foreign banks (included in Schedule
RI-B, part I, item 2, above)..................................................................
c. Commercial and industrial loans to non-U.S. addressees (domicile)
(included in Schedule RI-B, part I, item 4, above)...............................
d. Leases to individuals for household, family, and other personal
expenditures (included in Schedule RI-B, part I, item 8, above).........
3. Loans to finance agricultural production and other loans to farmers
(included in Schedule RI-B, part I, item 7, above)....................................

(Column A) Charge-offs (Column B) Recoveries


Calendar year-to-date
Calendar year-to-date
RIAD3588

0 1.d.

RIAD3589

1.e.

RIADC895

4,961 RIADC896

RIADC897

25,159 RIADC898

0
1.e.1.

RIAD4481

RIAD4482

RIAD4638

98,869

RIAD4608

0 1.e.2.
0 2.
3.

3,538 4.
5.

RIADB514

0 RIADB515

RIADK129

0 RIADK133

0 5.a.
0 5.b.

RIADK205

0 RIADK206

RIAD4643

RIAD4627

RIAD4644

601

RIAD4628

0 6.
0 7.

RIAD4266

7,750

RIAD4267

RIAD4635

137,735

RIAD4605

RIAD5409

RIAD5410

5.c.

22 8.
3,560 9.
0
M.1.
M.2.

RIAD4652

RIAD4662

M.2.a.

RIAD4654

RIAD4664

M.2.b.

RIAD4646

RIAD4618

M.2.c.

RIADF185

0 RIADF187

0
M.2.d.

RIAD4655

RIAD4665

M.3.

Schedule RI-B Part I - Charge-offs and Recoveries on Loans and Leases


Dollar amounts in thousands

4. Uncollectible retail credit card fees and finance charges reversed against income (i.e.,
not included in charge-offs against the allowance for loan and lease losses)........................

RIADC388

NR
M.4.

Schedule RI-B Part II - Changes in Allowance for Loan and Lease Losses
Dollar amounts in thousands

1. Balance most recently reported for the December 31, 2014, Reports of Condition and
Income (i.e., after adjustments from amended Reports of Income).......................................
2. Recoveries (must equal part I, item 9, column B, above)...................................................
3. LESS: Charge-offs (must equal part I, item 9, column A, above less Schedule RI-B, part
II, item 4)................................................................................................................................
4. LESS: Write-downs arising from transfers of loans to a held-for-sale account...................
5. Provision for loan and lease losses (must equal Schedule RI, item 4)...............................
6. Adjustments (see instructions for this schedule)................................................................
7. Balance end of current period (sum of items 1, 2, 5, and 6, less items 3 and 4) (must equal
Schedule RC, item 4.c)..........................................................................................................
1. Allocated transfer risk reserve included in Schedule RI-B, part II, item 7, above ..............

RIADB522

91,768
1.

RIAD4605
RIADC079

3,560 2.
11,393
3.

RIAD4230

126,342 4.
0 5.

RIADC233

42,407 6.

RIAD5523

RIAD3123

RIADC435

0 M.1.

7.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
8

Dollar amounts in thousands

2. Separate valuation allowance for uncollectible retail credit card fees and finance charges.
3. Amount of allowance for loan and lease losses attributable to retail credit card fees and
finance charges......................................................................................................................
4. Amount of allowance for post-acquisition credit losses on purchased credit-impaired loans
accounted for in accordance with FASB ASC 310-30 (former AICPA Statement of Position
03-3) (included in Schedule RI-B, Part II, item 7, above).......................................................

RIADC389

NR M.2.

RIADC390

NR
M.3.

RIADC781

0
M.4.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
9

Schedule RI-C - Disaggregated Data on the Allowance for Loan and Lease Losses
(Column A)
Recorded
Investment:
Individually
Evaluated for
Impairment and
Determined to
be Impaired
Dollar amounts in thousands (ASC 310-10-35)

(Column B)
(Column C)
Allowance
Recorded
Balance:
Investment:
Individually
Collectively
Evaluated for Evaluated for
Impairment and Impairment
Determined to (ASC 450-20)
be Impaired
(ASC 310-10-35)

(Column D)
(Column E)
(Column F)
Allowance
Recorded
Allowance
Balance:
Investment:
Balance:
Collectively
Purchased
Purchased
Evaluated for Credit-Impaired Credit-Impaired
Impairment
Loans (ASC
Loans (ASC
(ASC 450-20)
310-30)
310-30)

1. Real estate loans:

1.

RCONM708

a. Construction loans.................................................................

RCONM709

0
RCONM714

b. Commercial real estate loans................................................

0
RCONM715

0
RCONM721

c. Residential real estate loans..................................................

3. Credit cards.................................................................................

0
RCONM739

4. Other consumer loans.................................................................

0
RCONM740

0 1.c.
RCONM732

RCONM737

RCONM742

0 1.b.
RCONM726

RCONM731

RCONM736

RCONM741

0 1.a.
RCONM720

RCONM725

RCONM730

RCONM735

RCONM713

RCONM719

RCONM724

RCONM729

RCONM734

RCONM712

RCONM717

RCONM723

RCONM728

RCONM733

RCONM711

RCONM716

RCONM722

RCONM727

2. Commercial loans........................................................................

RCONM710

0 2.
RCONM738

0
RCONM743

0 3.
RCONM744

0 4.

RCONM745

5. Unallocated, if any.......................................................................

0
RCONM746

6. Total (for each column, sum of items 1.a through 5)....................

RCONM747

RCONM748

RCONM749

5.

RCONM750

RCONM751

0 6.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
10

Schedule RI-E - Explanations


Dollar amounts in thousands

1. Other noninterest income (from Schedule RI, item 5.l) Itemize and describe amounts
greater than $25,000 that exceed 3% of Schedule RI, item 5.l:
a. Income and fees from the printing and sale of checks..................................................
b. Earnings on/increase in value of cash surrender value of life insurance......................
c. Income and fees from automated teller machines (ATMs)............................................
d. Rent and other income from other real estate owned...................................................
e. Safe deposit box rent....................................................................................................
f. Net change in the fair values of financial instruments accounted for under a fair value
option................................................................................................................................
g. Bank card and credit card interchange fees.................................................................
h. Gains on bargain purchases.........................................................................................
i. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
j. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
k. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
2. Other noninterest expense (from Schedule RI, item 7.d) Itemize and describe amounts
greater than $25,000 that exceed 3% of Schedule RI, item 7.d:
a. Data processing expenses............................................................................................
b. Advertising and marketing expenses............................................................................
c. Directors' fees...............................................................................................................
d. Printing, stationery, and supplies..................................................................................
e. Postage.........................................................................................................................
f. Legal fees and expenses...............................................................................................
g. FDIC deposit insurance assessments..........................................................................
h. Accounting and auditing expenses...............................................................................
i. Consulting and advisory expenses................................................................................
j. Automated teller machine (ATM) and interchange expenses.........................................
k. Telecommunications expenses.....................................................................................
l. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
m. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
n. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
3. Extraordinary items and other adjustments and applicable income tax effect (from Schedule
RI, item 11):
a. Disclose component, the gross dollar amount of that component, and its related income
tax:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
3. Applicable income tax effect....................................................................................

1.

0 1.a.
0 1.b.

RIADC013
RIADC014

RIAD4042

0 1.c.
0 1.d.

RIADC015

0 1.e.

RIADF229

RIADF555

0 1.g.
0 1.h.

RIADC016

1.f.

RIADJ447

1.i.

NR 1.i.1.
0 1.i.2.

TEXT4461
RIAD4461

1.j.

NR 1.j.1.
0 1.j.2.

TEXT4462
RIAD4462

1.k.

NR 1.k.1.
0 1.k.2.

TEXT4463
RIAD4463

2.

0 2.a.
0 2.b.

RIADC017
RIAD0497

0 2.c.
0 2.d.

RIAD4136
RIADC018

0 2.e.
0 2.f.

RIAD8403
RIAD4141
RIAD4146
RIADF556

CONF 2.g.
0 2.h.

RIADF558

0 2.i.
0 2.j.

RIADF559

0 2.k.

TEXT4464

NR 2.l.1.
0 2.l.2.

RIADF557

2.l.

RIAD4464

2.m.

NR 2.m.1.
0 2.m.2.

TEXT4467
RIAD4467

2.n.

NR 2.n.1.
0 2.n.2.

TEXT4468
RIAD4468

3.
3.a.

TEXT4469
RIAD4469
RIAD4486

Click here for


value

3.a.1.

-336,834 3.a.2.
-124,392 3.a.3.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
11

Dollar amounts in thousands

b. Disclose component, the gross dollar amount of that component, and its related income
tax:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
3. Applicable income tax effect....................................................................................
c. Disclose component, the gross dollar amount of that component, and its related income
tax:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
3. Applicable income tax effect....................................................................................
4. Cumulative effect of changes in accounting principles and corrections of material accounting
errors (from Schedule RI-A, item 2) (itemize and describe all such effects):
a. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
b. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
5. Other transactions with stockholders (including a parent holding company) (from Schedule
RI-A, item 11) (itemize and describe all such transactions):
a. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
b. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
6. Adjustments to allowance for loan and lease losses (from Schedule RI-B, part II, item 6)
(itemize and describe all adjustments):
a. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
b. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
7. Other explanations (the space below is provided for the bank to briefly describe, at its
option, any other significant items affecting the Report of Income):
a. Comments?..................................................................................................................
b. Other explanations........................................................................................................

3.b.

RIAD4487

NR 3.b.1.
0 3.b.2.

RIAD4488

0 3.b.3.

TEXT4489
RIAD4489

NR 3.c.1.
0 3.c.2.

RIAD4491

0 3.c.3.

TEXT4487

3.c.

4.
4.a.

NR 4.a.1.
0 4.a.2.

TEXTB526
RIADB526

4.b.

NR 4.b.1.
0 4.b.2.

TEXTB527
RIADB527

5.
5.a.

TEXT4498

Click here for


value

5.a.1.

RIAD4498

1,164 5.a.2.

TEXT4499

NR 5.b.1.
0 5.b.2.

5.b.

RIAD4499

6.
6.a.

TEXT4521

Click here for


value

6.a.1.

RIAD4521

42,407 6.a.2.

TEXT4522

NR 6.b.1.
0 6.b.2.

6.b.

RIAD4522

7.

TEXT4769

No 7.a.
NR 7.b.

RCON0081

94,881 1.a.

RIAD4769

(TEXT4469) All income reported as discontinued operations


(TEXT4498) Capital Contributions from Parent
(TEXT4521) Provision Expense moved to discontinued Ops

Schedule RC - Balance Sheet


Dollar amounts in thousands

1. Cash and balances due from depository institutions (from Schedule RC-A):
a. Noninterest-bearing balances and currency and coin..................................................

1.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
12

Dollar amounts in thousands

b. Interest-bearing balances.............................................................................................
2. Securities:
a. Held-to-maturity securities (from Schedule RC-B, column A).......................................
b. Available-for-sale securities (from Schedule RC-B, column D).....................................
3. Federal funds sold and securities purchased under agreements to resell:
a. Federal funds sold........................................................................................................
b. Securities purchased under agreements to resell.........................................................
4. Loans and lease financing receivables (from Schedule RC-C):
a. Loans and leases held for sale.....................................................................................
b. Loans and leases, net of unearned income..................................................................
c. LESS: Allowance for loan and lease losses..................................................................
d. Loans and leases, net of unearned income and allowance (item 4.b minus 4.c).........
5. Trading assets (from Schedule RC-D)................................................................................
6. Premises and fixed assets (including capitalized leases)...................................................
7. Other real estate owned (from Schedule RC-M)................................................................
8. Investments in unconsolidated subsidiaries and associated companies............................
9. Direct and indirect investments in real estate ventures......................................................
10. Intangible assets:
a. Goodwill........................................................................................................................
b. Other intangible assets (from Schedule RC-M)............................................................
11. Other assets (from Schedule RC-F).................................................................................
12. Total assets (sum of items 1 through 11)..........................................................................
13. Deposits:
a. In domestic offices (sum of totals of columns A and C from Schedule RC-E)..............
1. Noninterest-bearing.................................................................................................
2. Interest-bearing.......................................................................................................
b. Not applicable
14. Federal funds purchased and securities sold under agreements to repurchase:
a. Federal funds purchased..............................................................................................
b. Securities sold under agreements to repurchase.........................................................
15. Trading liabilities (from Schedule RC-D)...........................................................................
16. Other borrowed money (includes mortgage indebtedness and obligations under capitalized
leases) (from Schedule RC-M)...............................................................................................
17. Not applicable
18. Not applicable
19. Subordinated notes and debentures................................................................................
20. Other liabilities (from Schedule RC-G).............................................................................
21. Total liabilities (sum of items 13 through 20).....................................................................
22. Not applicable
23. Perpetual preferred stock and related surplus..................................................................
24. Common stock..................................................................................................................
25. Surplus (exclude all surplus related to preferred stock)...................................................
26. Not available
a. Retained earnings.........................................................................................................
b. Accumulated other comprehensive income..................................................................
c. Other equity capital components..................................................................................
27. Not available
a. Total bank equity capital (sum of items 23 through 26.c)..............................................
b. Noncontrolling (minority) interests in consolidated subsidiaries...................................
28. Total equity capital (sum of items 27.a and 27.b).............................................................
29. Total liabilities and equity capital (sum of items 21 and 28)..............................................

RCON0071

4,267,634 1.b.

RCON1754

0 2.a.
87,111 2.b.

2.

RCON1773

3.

RCONB987
RCONB989

0 3.a.
0 3.b.
4.

RCON5369
RCONB528
RCON3123
RCONB529
RCON3545
RCON2145

15,412,050 4.a.
0 4.b.
0 4.c.
0 4.d.
0 5.
0 6.

RCON2130

0 7.
32,663 8.

RCON3656

0 9.

RCON3163

0 10.a.
0 10.b.

RCON2150

10.

RCON0426
RCON2160

2,676,456 11.

RCON2170

22,570,795 12.

RCON2200
RCON6631

18,172,088 13.a.
7,571 13.a.1.

RCON6636

18,164,516 13.a.2.

13.

13.b.
14.

RCONB995

0 14.a.
0 14.b.

RCON3548

0 15.

RCONB993

RCON3190

46,799
16.
17.
18.

RCON2930

0 19.
738,209 20.

RCON2948

18,957,096 21.

RCON3838
RCON3230

0 23.
200 24.

RCON3839

2,747,441 25.

RCON3200

22.

26.

RCONB530

866,634 26.a.
-576 26.b.

RCONA130

0 26.c.

RCON3210

3,613,699 27.a.
0 27.b.

RCON3632

27.

RCON3000
RCONG105

3,613,699 28.

RCON3300

22,570,795 29.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
13

Dollar amounts in thousands

1. Indicate in the box at the right the number of the statement below that best describes the
most comprehensive level of auditing work performed for the bank by independent external
auditors as of any date during 2014.......................................................................................
2. Bank's fiscal year-end date.................................................................................................

RCON6724

NR

RCON8678

NR M.2.

M.1.

Schedule RC-A - Cash and Balances Due From Depository Institutions


Dollar amounts in thousands

1. Cash items in process of collection, unposted debits, and currency and coin:
a. Cash items in process of collection and unposted debits.............................................
b. Currency and coin.........................................................................................................
2. Balances due from depository institutions in the U.S:
a. U.S. branches and agencies of foreign banks...............................................................
b. Other commercial banks in the U.S. and other depository institutions in the U.S.........
3. Balances due from banks in foreign countries and foreign central banks:
a. Foreign branches of other U.S. banks...........................................................................
b. Other banks in foreign countries and foreign central banks..........................................
4. Balances due from Federal Reserve Banks.......................................................................
5. Total....................................................................................................................................

1.

RCON0020
RCON0080

0 1.a.
0 1.b.
2.

RCON0083
RCON0085

0 2.a.
94,881 2.b.
3.

RCON0073
RCON0074
RCON0090
RCON0010

0 3.a.
0 3.b.
4,267,634 4.
4,362,515 5.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
14

Schedule RC-B - Securities


Dollar amounts in thousands

(Column A)
Held-to-maturity
Amortized Cost

(Column B)
Held-to-maturity
Fair Value

(Column C)
Available-for-sale
Amortized Cost

(Column D)
Available-for-sale
Fair Value

RCON0211

RCON0213

RCON1286

RCON1287

1. U.S. Treasury securities........................................................................................

0 1.

2. U.S. Government agency obligations (exclude mortgage-backed securities):

2.

RCON1289

a. Issued by U.S. Government agencies.............................................................

RCON1290

0
RCON1294

b. Issued by U.S. Government-sponsored agencies...........................................

0
RCON1295

0
RCON8496

3. Securities issued by states and political subdivisions in the U.S..........................

RCON1291

0
RCON1297

0
RCON8497

RCON1293

0
RCON8498

0 2.a.
RCON1298

0 2.b.
RCON8499

31,822

31,508 3.

4. Mortgage-backed securities (MBS):

4.

a. Residential mortgage pass-through securities:

4.a.

RCONG300

1. Guaranteed by GNMA...............................................................................

RCONG301

0
RCONG304

2. Issued by FNMA and FHLMC....................................................................

0
RCONG305

0
RCONG308

3. Other pass-through securities...................................................................

RCONG302

22,436
RCONG306

0
RCONG309

RCONG303

29,472
RCONG310

22,919 4.a.1.
RCONG307

29,186 4.a.2.
RCONG311

0 4.a.3.

b. Other residential mortgage-backed securities (include CMOs, REMICs, and


stripped MBS):

4.b.

1. Issued or guaranteed by U.S. Government agencies or sponsored


agencies........................................................................................................

RCONG312

2. Collateralized by MBS issued or guaranteed by U.S. Government agencies


or sponsored agencies..................................................................................

RCONG316

RCONG313

0
RCONG317

0
RCONG320

3. All other residential MBS...........................................................................

RCONG314

0
RCONG318

0
RCONG321

RCONG315

0 4.b.1.
RCONG319

0
RCONG322

0 4.b.2.
RCONG323

0 4.b.3.

c. Commercial MBS:

4.c.

1. Commercial mortgage pass-through securities:

4.c.1.

RCONK142

a. Issued or guaranteed by FNMA, FHLMC, or GNMA............................

RCONK143

RCONK144

RCONK145

0 4.c.1.a.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
15

Dollar amounts in thousands

(Column A)
Held-to-maturity
Amortized Cost

(Column B)
Held-to-maturity
Fair Value

RCONK146

b. Other pass-through securities..............................................................

RCONK147

(Column C)
Available-for-sale
Amortized Cost

(Column D)
Available-for-sale
Fair Value

RCONK148

RCONK149

0 4.c.1.b.

2. Other commercial MBS:


a. Issued or guaranteed by U.S. Government agencies or sponsored
agencies..................................................................................................

4.c.2.

RCONK150

RCONK151

0
RCONK154

b. All other commercial MBS....................................................................

RCONK152

RCONK153

0
RCONK155

0
RCONK156

0 4.c.2.a.
RCONK157

0 4.c.2.b.

5. Asset-backed securities and structured financial products:

5.

RCONC026

a. Asset-backed securities (ABS)........................................................................

RCONC988

RCONC989

RCONC027

3,292

3,498 5.a.

b. Structured financial products:

5.b.

RCONG336

1. Cash..........................................................................................................

RCONG337

0
RCONG340

2. Synthetic....................................................................................................

0
RCONG341

0
RCONG344

3. Hybrid........................................................................................................

RCONG338

0
RCONG342

0
RCONG345

RCONG339

0 5.b.1.
RCONG343

0
RCONG346

0 5.b.2.
RCONG347

0 5.b.3.

6. Other debt securities:

6.

RCON1737

a. Other domestic debt securities........................................................................

RCON1738

0
RCON1742

b. Other foreign debt securities...........................................................................

RCON1739

0
RCON1743

0
RCON1744

0 6.a.
RCON1746

0
RCONA510

7. Investments in mutual funds and other equity securities with readily determinable
fair values..................................................................................................................
8. Total (sum of items 1 through 7) (total of column A must equal Schedule RC, item
2.a) (total of column D must equal Schedule RC, item 2.b)......................................

RCON1741

0 6.b.
RCONA511

0
RCON1754

RCON1771

RCON1772

87,022

0 7.
RCON1773

87,111 8.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
16

Schedule RC-B - Securities


Dollar amounts in thousands

1. Pledged securities..............................................................................................................
2. Maturity and repricing data for debt securities (excluding those in nonaccrual status):
a. Securities issued by the U.S. Treasury, U.S. Government agencies, and states and
political subdivisions in the U.S.; other non-mortgage debt securities; and mortgage
pass-through securities other than those backed by closed-end first lien 1-4 family
residential mortgages with a remaining maturity or next repricing date of:
1. Three months or less...............................................................................................
2. Over three months through 12 months...................................................................
3. Over one year through three years.........................................................................
4. Over three years through five years........................................................................
5. Over five years through 15 years............................................................................
6. Over 15 years..........................................................................................................
b. Mortgage pass-through securities backed by closed-end first lien 1-4 family residential
mortgages with a remaining maturity or next repricing date of:
1. Three months or less...............................................................................................
2. Over three months through 12 months...................................................................
3. Over one year through three years.........................................................................
4. Over three years through five years........................................................................
5. Over five years through 15 years............................................................................
6. Over 15 years..........................................................................................................
c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS; exclude
mortgage pass-through securities) with an expected average life of:
1. Three years or less..................................................................................................
2. Over three years......................................................................................................
d. Debt securities with a REMAINING MATURITY of one year or less (included in
Memorandum items 2.a through 2.c above).....................................................................
3. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or
trading securities during the calendar year-to-date (report the amortized cost at date of sale
or transfer)..............................................................................................................................
4. Structured notes (included in the held-to-maturity and available-for-sale accounts in
Schedule RC-B, items 2, 3, 5, and 6):
a. Amortized cost..............................................................................................................
b. Fair value......................................................................................................................

RCON0416

83,613 M.1.
M.2.

M.2.a.

RCONA549
RCONA550
RCONA551
RCONA552

0 M.2.a.1.
107 M.2.a.2.
1,247 M.2.a.3.
941 M.2.a.4.

RCONA553

3,739 M.2.a.5.

RCONA554

28,971 M.2.a.6.

RCONA555

0 M.2.b.1.
0 M.2.b.2.

M.2.b.

RCONA556
RCONA557
RCONA558

0 M.2.b.3.
0 M.2.b.4.

RCONA559

817 M.2.b.5.

RCONA560

51,288 M.2.b.6.

RCONA561
RCONA562

0 M.2.c.1.
0 M.2.c.2.

RCONA248

M.2.c.

M.2.d.

RCON1778

0
M.3.
M.4.

RCON8782
RCON8783

0 M.4.a.
0 M.4.b.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
17

Schedule RC-B - Securities


Dollar amounts in thousands

(Column A)
Held-to-maturity
Amortized Cost

(Column B)
Held-to-maturity
Fair Value

(Column C)
Available-for-sale
Amortized Cost

(Column D)
Available-for-sale
Fair Value

RCONB838

RCONB839

RCONB840

RCONB841

5. Asset-backed securities (ABS) (for each column, sum of Memorandum items 5.a
through 5.f must equal Schedule RC-B, item 5.a):

M.5.

a. Credit card receivables....................................................................................

0
RCONB842

b. Home equity lines............................................................................................

0
RCONB846

c. Automobile loans.............................................................................................

e. Commercial and industrial loans.....................................................................


f. Other................................................................................................................
6. Structured financial products by underlying collateral or reference assets (for
each column, sum of Memorandum items 6.a through 6.g must equal Schedule
RC-B, sum of items 5.b(1) through(3)):

0 M.5.d.
RCONB857

3,292
RCONB860

3,498 M.5.e.
RCONB861

0 M.5.f.

M.6.

RCONG348

a. Trust preferred securities issued by financial institutions.................................

RCONG349

0
RCONG352

b. Trust preferred securities issued by real estate investment trusts...................

c. Corporate and similar loans............................................................................

f. Diversified (mixed) pools of structured financial products................................

0 M.6.e.
RCONG371

0
RCONG374

0 M.6.d.
RCONG367

RCONG370

RCONG373

0 M.6.c.
RCONG363

RCONG366

RCONG369

RCONG372

0 M.6.b.
RCONG359

RCONG362

RCONG365

RCONG368

0 M.6.a.
RCONG355

RCONG358

RCONG361

RCONG364

RCONG351

RCONG354

RCONG357

RCONG360

e. 1-4 family residential MBS not issued or guaranteed by GSEs.......................

RCONG350

RCONG353

RCONG356

g. Other collateral or reference assets................................................................

0
RCONB856

RCONB859

0 M.5.c.
RCONB853

0
RCONB858

0
RCONB852

RCONB855

0 M.5.b.
RCONB849

0
RCONB854

0
RCONB848

RCONB851

0 M.5.a.
RCONB845

d. Other consumer loans.....................................................................................

0
RCONB844

RCONB847

RCONB850

d. 1-4 family residential MBS issued or guaranteed by U.S.


government-sponsored enterprises (GSEs).......................................................

0
RCONB843

0 M.6.f.
RCONG375

0 M.6.g.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
18

Schedule RC-C Part I - Loans and Leases


(Column A) To Be
(Column B) To Be
Completed by Banks Completed by All Banks
with $300 Million or More
in Total Assets
Dollar amounts in thousands
1. Loans secured by real estate:
a. Construction, land development, and other land loans:
1. 1-4 family residential construction loans....................................
2. Other construction loans and all land development and other
land loans......................................................................................
b. Secured by farmland (including farm residential and other
improvements).....................................................................................
c. Secured by 1-4 family residential properties:
1. Revolving, open-end loans secured by 1-4 family residential
properties and extended under lines of credit...............................
2. Closed-end loans secured by 1-4 family residential properties:
a. Secured by first liens............................................................
b. Secured by junior liens.........................................................
d. Secured by multifamily (5 or more) residential properties...............
e. Secured by nonfarm nonresidential properties:
1. Loans secured by owner-occupied nonfarm nonresidential
properties......................................................................................
2. Loans secured by other nonfarm nonresidential properties.......
2. Loans to depository institutions and acceptances of other banks.........
a. To commercial banks in the U.S.:
1. To U.S. branches and agencies of foreign banks.......................
2. To other commercial banks in the U.S.......................................
b. To other depository institutions in the U.S........................................
c. To banks in foreign countries:
1. To foreign branches of other U.S. banks....................................
2. To other banks in foreign countries............................................
3. Loans to finance agricultural production and other loans to farmers.....
4. Commercial and industrial loans...........................................................
a. To U.S. addressees (domicile).........................................................
b. To non-U.S. addressees (domicile)..................................................
5. Not applicable
6. Loans to individuals for household, family, and other personal
expenditures (i.e., consumer loans) (includes purchased paper):
a. Credit cards.....................................................................................
b. Other revolving credit plans.............................................................
c. Automobile loans.............................................................................
d. Other consumer loans (includes single payment and installment
loans other than automobile loans and all student loans)...................
7. Loans to foreign governments and official institutions (including foreign
central banks)...........................................................................................
8. Obligations (other than securities and leases) of states and political
subdivisions in the U.S..............................................................................
9. Loans to nondepository financial institutions and other loans:
a. Loans to nondepository financial institutions...................................
b. Other loans......................................................................................
1. Loans for purchasing or carrying securities (secured and
unsecured).....................................................................................
2. All other loans (exclude consumer loans)..................................

1.
1.a.

RCONF158
RCONF159

0 1.a.1.
38,951
1.a.2.

RCON1420

0
1.b.
1.c.

RCON1797

0
1.c.1.
1.c.2.

RCON5368

0 1.c.2.a.
0 1.c.2.b.

RCON1460

0 1.d.

RCON5367

1.e.

RCONF160

500,548
1.e.1.

RCONF161
RCON1288

2,768,233 1.e.2.
0 2.
2.a.

RCONB532

2.a.1.

RCONB533

2.a.2.

RCONB534

2.b.

RCONB536

RCONB537

2.c.
2.c.1.
2.c.2.

RCON1590
RCON1766

68,215 3.
11,409,025 4.

RCON1763

11,409,025

4.a.

RCON1764

4.b.
5.
6.

RCONB539

0 6.a.
0 6.b.

RCONK137

0 6.c.

RCONK207

RCONB538

6.d.

RCON2081

0
7.

RCON2107

165
8.
9.

RCONJ454
RCONJ464
RCON1545

RCONJ451

10,569

0 9.a.
10,569 9.b.
9.b.1.
9.b.2.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
19

(Column A) To Be
(Column B) To Be
Completed by Banks Completed by All Banks
with $300 Million or More
in Total Assets
Dollar amounts in thousands
RCON2165
616,344
10. Lease financing receivables (net of unearned income).......................
a. Leases to individuals for household, family, and other personal
RCONF162
0
expenditures (i.e., consumer leases)..................................................
616,344
b. All other leases................................................................................ RCONF163
RCON2123
0
11. LESS: Any unearned income on loans reflected in items 1-9 above...
12. Total loans and leases, net of unearned income (sum of items 1
RCON2122
15,412,050
through 10 minus item 11) (must equal Schedule RC, sum of items 4.a
and 4.b).....................................................................................................

10.
10.a.
10.b.
11.

12.

Schedule RC-C Part I - Loans and Leases


Dollar amounts in thousands

1. Loans restructured in troubled debt restructurings that are in compliance with their modified
terms (included in Schedule RC-C, part 1, and not reported as past due or nonaccrual in
Schedule RC-N, Memorandum item 1):
a. Construction, land development, and other land loans:
1. 1-4 family residential construction loans.................................................................
2. Other construction loans and all land development and other land loans...............
b. Loans secured by 1-4 family residential properties.......................................................
c. Secured by multifamily (5 or more) residential properties.............................................
d. Secured by nonfarm nonresidential properties:
1. Loans secured by owner-occupied nonfarm nonresidential properties...................
2. Loans secured by other nonfarm nonresidential properties....................................
e. Commercial and industrial loans...................................................................................
1. To U.S. addressees (domicile).................................................................................
2. To non-U.S. addressees (domicile)..........................................................................
f. All other loans (include loans to individuals for household, family, and other personal
expenditures)....................................................................................................................
1. Loans secured by farmland.....................................................................................
2. Loans to depository institutions and acceptances of other banks...........................
3. Not applicable
4. Loans to individuals for household, family, and other personal expenditures:
a. Credit cards.......................................................................................................
b. Automobile loans...............................................................................................
c. Other (includes revolving credit plans other than credit cards and other consumer
loans).....................................................................................................................
5. Loans to foreign governments and official institutions.............................................
6. Other loans..............................................................................................................
a. Loans to finance agricultural production and other loans to farmers included in
Schedule RC-C, part I, Memorandum item 1.f.(6), above.....................................
2. Maturity and repricing data for loans and leases (excluding those in nonaccrual status):
a. Closed-end loans secured by first liens on 1-4 family residential properties (reported
in Schedule RC-C, part I, item 1.c.(2)(a), column B, above) with a remaining maturity or
next repricing date of:
1. Three months or less...............................................................................................
2. Over three months through 12 months...................................................................
3. Over one year through three years.........................................................................
4. Over three years through five years........................................................................
5. Over five years through 15 years............................................................................
6. Over 15 years..........................................................................................................

M.1.
M.1.a.

RCONK158
RCONK159
RCONF576
RCONK160

0 M.1.a.1.
0 M.1.a.2.
0 M.1.b.
0 M.1.c.
M.1.d.

RCONK161
RCONK162

0 M.1.d.1.
0 M.1.d.2.

RCONK163

0 M.1.e.
0 M.1.e.1.

RCONK164

0 M.1.e.2.

RCONK165

RCONK166

0 M.1.f.1.
0 M.1.f.2.

RCONK256

M.1.f.

RCONK167

M.1.f.3.
M.1.f.4.

RCONK203

0 M.1.f.4.a.
0 M.1.f.4.b.

RCONK204

RCONK212
RCONK267

0 M.1.f.5.
0 M.1.f.6.

RCONK168

RCONK098

M.1.f.4.c.

M.1.f.6.a.
M.2.

M.2.a.

RCONA564
RCONA565
RCONA566
RCONA567
RCONA568
RCONA569

0 M.2.a.1.
0 M.2.a.2.
0 M.2.a.3.
0 M.2.a.4.
0 M.2.a.5.
0 M.2.a.6.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
20

Dollar amounts in thousands

b. All loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column
B, above) EXCLUDING closed-end loans secured by first liens on 1-4 family residential
properties (reported in Schedule RC-C, part I, item 1.c.(2)(a), column B, above) with a
remaining maturity or next repricing date of:
1. Three months or less...............................................................................................
2. Over three months through 12 months...................................................................
3. Over one year through three years.........................................................................
4. Over three years through five years........................................................................
5. Over five years through 15 years............................................................................
6. Over 15 years..........................................................................................................
c. 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)...............................................................................................................................
3. Loans to finance commercial real estate, construction, and land development activities
(not secured by real estate) included in Schedule RC-C, part I, items 4 and 9, column B.....
4. Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties
(included in Schedule RC-C, part I, item 1.c.(2)(a), column B)..............................................
5. Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule
RC-C, part I, items 1.a through 1.e, column B)......................................................................
6. Outstanding credit card fees and finance charges included in Schedule RC-C, part I, item
6.a..........................................................................................................................................
7. Purchased credit-impaired loans held for investment accounted for in accordance with
FASB ASC 310-30 (former AICPA Statement of Position 03-3) (exclude loans held for sale):
a. Outstanding balance.....................................................................................................
b. Amount included in Schedule RC-C, part I, items 1 through 9.....................................
8. Closed-end loans with negative amortization features secured by 1-4 family residential
properties:
a. Total amount of closed-end loans with negative amortization features secured by 1-4
family residential properties (included in Schedule RC-C, part I, items 1.c.(2)(a) and
1.c.(2)(b))..........................................................................................................................
b. Total maximum remaining amount of negative amortization contractually permitted on
closed-end loans secured by 1-4 family residential properties.........................................
c. Total amount of negative amortization on closed-end loans secured by 1-4 family
residential properties included in the amount reported in Memorandum item 8.a above..
9. Loans secured by 1-4 family residential properties in process of foreclosure (included in
Schedule RC-C, part I, items 1.c.(1), 1.c.(2)(a), and 1.c.(2)(b)).............................................
10. Loans measured at fair value (included in Schedule RC-C, part I, items 1 through 9):
a. Loans secured by real estate:
1. Construction, land development, and other land loans...........................................
2. Secured by farmland (including farm residential and other improvements)............
3. Secured by 1-4 family residential properties:
a. Revolving, open-end loans secured by 1-4 family residential properties and
extended under lines of credit...............................................................................
b. Closed-end loans secured by 1-4 family residential properties:
1. Secured by first liens....................................................................................
2. Secured by junior liens.................................................................................
4. Secured by multifamily (5 or more) residential properties.......................................
5. Secured by nonfarm nonresidential properties.......................................................
b. Commercial and industrial loans...................................................................................
c. Loans to individuals for household, family, and other personal expenditures (i.e.,
consumer loans) (includes purchased paper):
1. Credit cards.............................................................................................................
2. Other revolving credit plans.....................................................................................
3. Automobile loans.....................................................................................................

M.2.b.

RCONA570
RCONA571
RCONA572
RCONA573
RCONA574
RCONA575
RCONA247

4,419,857 M.2.b.1.
603,945 M.2.b.2.
2,279,549 M.2.b.3.
4,973,229 M.2.b.4.
3,054,988 M.2.b.5.
5,106 M.2.b.6.
899,144
M.2.c.

RCON2746

11,207
M.3.

RCON5370

0
M.4.

RCONB837

0
M.5.

RCONC391

NR
M.6.
M.7.

RCONC779
RCONC780

0 M.7.a.
0 M.7.b.
M.8.

RCONF230

0
M.8.a.

RCONF231

NR
M.8.b.

RCONF232

NR
M.8.c.

RCONF577

0
M.9.
M.10.
M.10.a.

RCONF578
RCONF579

NR M.10.a.1.
NR M.10.a.2.
M.10.a.3.

RCONF580

NR
M.10.a.3.a.
M.10.a.3.b.

RCONF581
RCONF582

NR M.10.a.3.b.1.
NR M.10.a.3.b.2.

RCONF584

NR M.10.a.4.
NR M.10.a.5.

RCONF585

NR M.10.b.

RCONF586
RCONF587

NR M.10.c.1.
NR M.10.c.2.

RCONK196

NR M.10.c.3.

RCONF583

M.10.c.

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Dollar amounts in thousands

4. Other consumer loans.............................................................................................


d. Other loans...................................................................................................................
11. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-C,
part I, Memorandum item 10):
a. Loans secured by real estate:
1. Construction, and land development, and other land loans....................................
2. Secured by farmland (including farm residential and other improvements)............
3. Secured by 1-4 family residential properties:
a. Revolving, open-end loans secured by 1-4 family residential properties and
extended under lines of credit...............................................................................
b. Closed-end loans secured by 1-4 family residential properties:
1. Secured by first liens....................................................................................
2. Secured by junior liens.................................................................................
4. Secured by multifamily (5 or more) residential properties.......................................
5. Secured by nonfarm nonresidential properties.......................................................
b. Commercial and industrial loans...................................................................................
c. Loans to individuals for household, family, and other personal expenditures (i.e.,
consumer loans) (includes purchased paper):
1. Credit cards.............................................................................................................
2. Other revolving credit plans.....................................................................................
3. Automobile loans.....................................................................................................
4. Other consumer loans.............................................................................................
d. Other loans...................................................................................................................

NR M.10.c.4.
NR M.10.d.

RCONK208
RCONF589

M.11.
M.11.a.

NR M.11.a.1.
NR M.11.a.2.

RCONF590
RCONF591

M.11.a.3.

NR

RCONF592

M.11.a.3.a.
M.11.a.3.b.

NR M.11.a.3.b.1.
NR M.11.a.3.b.2.

RCONF593
RCONF594

RCONF596

NR M.11.a.4.
NR M.11.a.5.

RCONF597

NR M.11.b.

RCONF598

NR M.11.c.1.
NR M.11.c.2.

RCONF595

M.11.c.

RCONF599

RCONK209

NR M.11.c.3.
NR M.11.c.4.

RCONF601

NR M.11.d.

RCONK195

Schedule RC-C Part I - Loans and Leases


(Column A) Fair
value of
acquired loans
and leases at
acquisition date

(Column B)
Gross
contractual
amounts
receivable at
acquisition date

(Column C) Best
estimate at
acquisition date
of contractual
cash flows not
expected to be
collected

RCONG091

RCONG092

RCONG093

Dollar amounts in thousands

12. Loans (not subject to the requirements of FASB ASC 310-30 (former
AICPA Statement of Position 03-3)) and leases held for investment
that were acquired in business combinations with acquisition dates in
the current calendar year:

M.12.

a. Loans secured by real estate......................................................

0
RCONG094

b. Commercial and industrial loans.................................................


c. Loans to individuals for household, family, and other personal
expenditures....................................................................................

0
RCONG097

0 M.12.a.
RCONG096

0
RCONG098

0
RCONG100

d. All other loans and all leases.......................................................

0
RCONG095

0 M.12.b.
RCONG099

0
RCONG101

0 M.12.c.
RCONG102

0 M.12.d.

Schedule RC-C Part I - Loans and Leases


Dollar amounts in thousands

13. Construction, land development, and other land loans in domestic offices with interest
reserves:
a. Amount of loans that provide for the use of interest reserves (included in Schedule
RC-C, part I, item 1.a, column B).....................................................................................

M.13.

RCONG376

0
M.13.a.

GE CAPITAL BANK
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Dollar amounts in thousands

b. Amount of interest capitalized from interest reserves on construction, land development,


and other land loans that is included in interest and fee income on loans during the quarter
(included in Schedule RI, item 1.a.(1)(a)(2))....................................................................
14. Pledged loans and leases................................................................................................
15. Reverse mortgages:
a. Reverse mortgages outstanding that are held for investment (included in Schedule
RC-C, item 1.c, above):
1. Home Equity Conversion Mortgage (HECM) reverse mortgages...........................
2. Proprietary reverse mortgages...............................................................................
b. Estimated number of reverse mortgage loan referrals to other lenders during the year
from whom compensation has been received for services performed in connection with
the origination of the reverse mortgages:
1. Home Equity Conversion Mortgage (HECM) reverse mortgages...........................
2. Proprietary reverse mortgages...............................................................................
c. Principal amount of reverse mortgage originations that have been sold during the year:
1. Home Equity Conversion Mortgage (HECM) reverse mortgages...........................
2. Proprietary reverse mortgages...............................................................................

RIADG377

RCONG378

0 M.14.

M.13.b.

M.15.
M.15.a.

RCONJ466
RCONJ467

NR M.15.a.1.
NR M.15.a.2.

M.15.b.

RCONJ468
RCONJ469

NR M.15.b.1.
NR M.15.b.2.
M.15.c.

RCONJ470
RCONJ471

NR M.15.c.1.
NR M.15.c.2.

Schedule RC-C Part II - Loans to Small Businesses and Small Farms


Dollar amounts in thousands

1. Indicate in the appropriate box at the right whether all or substantially all of the dollar
volume of your bank's "Loans secured by nonfarm nonresidential properties" reported in
Schedule RC-C, part I, items 1.e.(1) and 1.e.(2), and all or substantially all of the dollar
volume of your bank's "Commercial and industrial loans" reported in Schedule RC-C, part
I, item 4, have original amounts of $100,000 or less..............................................................
2. Report the total number of loans currently outstanding for each of the following Schedule
RC-C, part I, loan categories:
a. "Loans secured by nonfarm nonresidential properties" reported in Schedule RC-C,
part I, items 1.e.(1) and 1.e.(2).........................................................................................
b. "Commercial and industrial loans" reported in Schedule RC-C, part I, item 4..............

RCON6999

No
1.
2.

RCON5562

NR

RCON5563

NR 2.b.

2.a.

Schedule RC-C Part II - Loans to Small Businesses and Small Farms


Dollar amounts in thousands

3. Number and amount currently outstanding of "Loans secured by nonfarm


nonresidential properties" reported in Schedule RC-C, part I, items 1.e.(1)
and 1.e.(2):
a. With original amounts of $100,000 or less......................................
b. With original amounts of more than $100,000 through $250,000.....
c. With original amounts of more than $250,000 through $1,000,000..
4. Number and amount currently outstanding of "Commercial and industrial
loans" reported in Schedule RC-C, part I, item 4:
a. With original amounts of $100,000 or less......................................
b. With original amounts of more than $100,000 through $250,000.....
c. With original amounts of more than $250,000 through $1,000,000..

(Column A) Number of
Loans

(Column B) Amount
Currently Outstanding

3.

RCON5564

0 RCON5565

RCON5566

0 RCON5567

0 3.a.
0 3.b.

RCON5568

47 RCON5569

21,754 3.c.

RCON5570

25717 RCON5571

RCON5572

6612 RCON5573

799,653 4.a.
788,657 4.b.

RCON5574

2686 RCON5575

966,599 4.c.

4.

GE CAPITAL BANK
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Schedule RC-C Part II - Loans to Small Businesses and Small Farms


Dollar amounts in thousands

5. Indicate in the appropriate box at the right whether all or substantially all of the dollar
volume of your bank's "Loans secured by farmland (including farm residential and other
improvements)" reported in Schedule RC-C, part I, item 1.b, and all or substantially all of
the dollar volume of your bank's "Loans to finance agricultural production and other loans
to farmers" reported in Schedule RC-C, part I, item 3, have original amounts of $100,000 or
less.........................................................................................................................................
6. Report the total number of loans currently outstanding for each of the following Schedule
RC-C, part I, loan categories:
a. "Loans secured by farmland (including farm residential and other improvements)"
reported in Schedule RC-C, part I, item 1.b.....................................................................
b. "Loans to finance agricultural production and other loans to farmers" reported in
Schedule RC-C, part I, item 3...........................................................................................

RCON6860

Yes

5.
6.

RCON5576

0
6.a.

RCON5577

1999
6.b.

Schedule RC-C Part II - Loans to Small Businesses and Small Farms


Dollar amounts in thousands

7. Number and amount currently outstanding of "Loans secured by


farmland (including farm residential and other improvements)" reported
in Schedule RC-C, part I, item 1.b:
a. With original amounts of $100,000 or less......................................
b. With original amounts of more than $100,000 through $250,000.....
c. With original amounts of more than $250,000 through $500,000.....
8. Number and amount currently outstanding of "Loans to finance
agricultural production and other loans to farmers" reported in Schedule
RC-C, part I, item 3:
a. With original amounts of $100,000 or less......................................
b. With original amounts of more than $100,000 through $250,000.....
c. With original amounts of more than $250,000 through $500,000.....

(Column A) Number of
Loans

(Column B) Amount
Currently Outstanding

7.

RCON5578

NR RCON5579

RCON5580

NR RCON5581

NR 7.a.
NR 7.b.

RCON5582

NR RCON5583

NR 7.c.

RCON5584

NR RCON5585

RCON5586

NR RCON5587

NR 8.a.
NR 8.b.

RCON5588

NR RCON5589

NR 8.c.

8.

Schedule RC-D - Trading Assets and Liabilities


Dollar amounts in thousands

1. U.S. Treasury securities......................................................................................................


2. U.S. Government agency obligations (exclude mortgage-backed securities).....................
3. Securities issued by states and political subdivisions in the U.S........................................
4. Mortgage-backed securities (MBS):
a. Residential mortgage pass-through securities issued or guaranteed by FNMA, FHLMC,
or GNMA...........................................................................................................................
b. Other residential MBS issued or guaranteed by U.S. Government agencies or sponsored
agencies (include CMOs, REMICs, and stripped MBS)...................................................
c. All other residential MBS...............................................................................................
d. Commercial MBS issued or guaranteed by U.S. Government agencies or sponsored
agencies...........................................................................................................................
e. All other commercial MBS.............................................................................................
5. Other debt securities:
a. Structured financial products:
1. Cash........................................................................................................................
2. Synthetic.................................................................................................................
3. Hybrid......................................................................................................................
b. All other debt securities.................................................................................................
6. Loans:

RCON3532

NR 1.
NR 2.

RCON3533

NR 3.

RCON3531

4.

RCONG379

NR
4.a.

RCONG380

NR

RCONG381

NR 4.c.

RCONK197

NR

RCONK198

NR 4.e.

4.b.

4.d.

5.
5.a.

RCONG383
RCONG384
RCONG385
RCONG386

NR 5.a.1.
NR 5.a.2.
NR 5.a.3.
NR 5.b.
6.

GE CAPITAL BANK
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Dollar amounts in thousands

a. Loans secured by real estate:


1. Construction, land development, and other land loans...........................................
2. Secured by farmland (including farm residential and other improvements)............
3. Secured by 1-4 family residential properties:
a. Revolving, open-end loans secured by 1-4 family residential properties and
extended under lines of credit...............................................................................
b. Closed-end loans secured by 1-4 family residential properties:
1. Secured by first liens....................................................................................
2. Secured by junior liens.................................................................................
4. Secured by multifamily (5 or more) residential properties.......................................
5. Secured by nonfarm nonresidential properties.......................................................
b. Commercial and industrial loans...................................................................................
c. Loans to individuals for household, family, and other personal expenditures (i.e.,
consumer loans) (includes purchased paper):
1. Credit cards.............................................................................................................
2. Other revolving credit plans.....................................................................................
3. Automobile loans.....................................................................................................
4. Other consumer loans.............................................................................................
d. Other loans...................................................................................................................
7. Not applicable
8. Not applicable
9. Other trading assets...........................................................................................................
10. Not applicable
11. Derivatives with a positive fair value.................................................................................
12. Total trading assets (sum of items 1 through 11) (must equal Schedule RC, item 5).......
13. Not available
a. Liability for short positions ...........................................................................................
b. Other trading liabilities..................................................................................................
14. Derivatives with a negative fair value................................................................................
15. Total trading liabilities (sum of items 13.a through 14) (must equal Schedule RC, item
15)..........................................................................................................................................
1. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-D,
items 6.a.(1) through 6.d):
a. Loans secured by real estate:
1. Construction, land development, and other land loans...........................................
2. Secured by farmland (including farm residential and other improvements)............
3. Secured by 1-4 family residential properties:
a. Revolving, open-end loans secured by 1-4 family residential properties and
extended under lines of credit...............................................................................
b. Closed-end loans secured by 1-4 family residential properties:
1. Secured by first liens....................................................................................
2. Secured by junior liens.................................................................................
4. Secured by multifamily (5 or more) residential properties.......................................
5. Secured by nonfarm nonresidential properties.......................................................
b. Commercial and industrial loans...................................................................................
c. Loans to individuals for household, family, and other personal expenditures (i.e.,
consumer loans) (includes purchased paper):
1. Credit cards.............................................................................................................
2. Other revolving credit plans.....................................................................................
3. Automobile loans.....................................................................................................
4. Other consumer loans.............................................................................................
d. Other loans...................................................................................................................

6.a.

RCONF604
RCONF605

NR 6.a.1.
NR 6.a.2.
6.a.3.

RCONF606

NR
6.a.3.a.
6.a.3.b.

RCONF607
RCONF611

NR 6.a.3.b.1.
NR 6.a.3.b.2.

RCONF613

NR 6.a.4.
NR 6.a.5.

RCONF614

NR 6.b.

RCONF615

NR 6.c.1.
NR 6.c.2.

RCONF612

6.c.

RCONF616

RCONK210

NR 6.c.3.
NR 6.c.4.

RCONF618

NR 6.d.

RCONK199

7.
8.

RCON3541

NR 9.
10.

RCON3543
RCON3545

0 11.
0 12.
13.

RCONF624

NR 13.a.
NR 13.b.

RCON3547

0 14.

RCON3548

RCON3546

15.
M.1.
M.1.a.

RCONF625
RCONF626

NR M.1.a.1.
NR M.1.a.2.
M.1.a.3.

RCONF627

NR
M.1.a.3.a.
M.1.a.3.b.

RCONF628
RCONF629

NR M.1.a.3.b.1.
NR M.1.a.3.b.2.

RCONF631

NR M.1.a.4.
NR M.1.a.5.

RCONF632

NR M.1.b.

RCONF633

NR M.1.c.1.
NR M.1.c.2.

RCONF630

M.1.c.

RCONF634

RCONK211

NR M.1.c.3.
NR M.1.c.4.

RCONF636

NR M.1.d.

RCONK200

GE CAPITAL BANK
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FFIEC 041
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Dollar amounts in thousands

2. Loans measured at fair value that are past due 90 days or more:
a. Fair value......................................................................................................................
b. Unpaid principal balance...............................................................................................
3. Structured financial products by underlying collateral or reference assets (sum of
Memorandum items 3.a through 3.g must equal Schedule RC-D, sum of items 5.a.(1) through
(3)):
a. Trust preferred securities issued by financial institutions..............................................
b. Trust preferred securities issued by real estate investment trusts.................................
c. Corporate and similar loans..........................................................................................
d. 1-4 family residential MBS issued or guaranteed by U.S. government-sponsored
enterprises (GSEs)...........................................................................................................
e. 1-4 family residential MBS not issued or guaranteed by GSEs....................................
f. Diversified (mixed) pools of structured financial products..............................................
g. Other collateral or reference assets..............................................................................
4. Pledged trading assets:
a. Pledged securities........................................................................................................
b. Pledged loans...............................................................................................................
5. Asset-backed securities:
a. Credit card receivables.................................................................................................
b. Home equity lines.........................................................................................................
c. Automobile loans...........................................................................................................
d. Other consumer loans..................................................................................................
e. Commercial and industrial loans...................................................................................
f. Other..............................................................................................................................
6. Retained beneficial interests in securitizations (first-loss or equity tranches)....................
7. Equity securities (included in Schedule RC-D, item 9, above):
a. Readily determinable fair values...................................................................................
b. Other.............................................................................................................................
8. Loans pending securitization..............................................................................................
9. Other trading assets (itemize and describe amounts included in Schedule RC-D, item 9,
that are greater than $25,000 and exceed 25% of the item):
a. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
b. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
c. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
10. Other trading liabilities (itemize and describe amounts included in Schedule RC-D, item
13.b, that are greater than $25,000 and exceed 25% of the item):
a. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
b. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
c. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................

M.2.

RCONF639
RCONF640

NR M.2.a.
NR M.2.b.

M.3.

RCONG332

NR M.3.a.
NR M.3.b.

RCONG333

NR M.3.c.

RCONG334

NR

RCONG335
RCONG651

NR M.3.e.
NR M.3.f.

RCONG652

NR M.3.g.

RCONG387

NR M.4.a.
NR M.4.b.

RCONG299

M.3.d.

M.4.

RCONG388

M.5.

RCONF643
RCONF644
RCONF645
RCONF646

NR M.5.a.
NR M.5.b.
NR M.5.c.
NR M.5.d.

RCONF648

NR M.5.e.
NR M.5.f.

RCONF651

NR M.6.

RCONF652
RCONF653

NR M.7.a.
NR M.7.b.

RCONF654

NR M.8.

RCONF647

M.7.

M.9.
M.9.a.

TEXTF655
RCONF655

NR M.9.a.1.
NR M.9.a.2.
M.9.b.

TEXTF656
RCONF656

NR M.9.b.1.
NR M.9.b.2.
M.9.c.

TEXTF657
RCONF657

NR M.9.c.1.
NR M.9.c.2.
M.10.
M.10.a.

TEXTF658
RCONF658

NR M.10.a.1.
NR M.10.a.2.
M.10.b.

TEXTF659
RCONF659

NR M.10.b.1.
NR M.10.b.2.
M.10.c.

TEXTF660
RCONF660

NR M.10.c.1.
NR M.10.c.2.

GE CAPITAL BANK
RSSD-ID 2017570
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FFIEC 041
Quarter End Date 6/30/2015
26

Schedule RC-E - Deposit Liabilities


(Column A)
(Column B)
(Column C)
Transaction
Transaction
Nontransaction
Accounts Total Accounts Memo: Accounts Total
transaction
Total demand nontransaction
accounts
deposits
accounts
(including total
(included in
(including
demand
column A)
MMDAs)
deposits)
Dollar amounts in thousands
Deposits of:
1. Individuals, partnerships, and corporations (include all certified and
official checks)......................................................................................

RCONB549

RCONB550

212

18,139,009 1.

RCON2202

2. U.S. Government...............................................................................

RCON2520

0 2.

RCON2203

3. States and political subdivisions in the U.S.......................................

RCON2530

363 3.

RCONB551

4. Commercial banks and other depository institutions in the U.S........

RCONB552

32,504 4.

RCON2213

5. Banks in foreign countries.................................................................

RCON2236

6. Foreign governments and official institutions (including foreign central


banks)...................................................................................................

RCON2216

7. Total (sum of items 1 through 6) (sum of columns A and C must


equal Schedule RC, item 13.a).............................................................

RCON2215

0 5.
RCON2377

0 6.
RCON2210

212

RCON2385

18,171,876 7.

Schedule RC-E - Deposit Liabilities


Dollar amounts in thousands

1. Selected components of total deposits (i.e., sum of item 7, columns A and C):
a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts.......................
b. Total brokered deposits.................................................................................................
c. Fully insured brokered deposits (included in Memorandum item 1.b above):
1. Brokered deposits of less than $100,000................................................................
2. Brokered deposits of $100,000 through $250,000 and certain brokered retirement
deposit accounts.........................................................................................................
d. Maturity data for brokered deposits:
1. Brokered deposits of less than $100,000 with a remaining maturity of one year or
less (included in Memorandum item 1.c.(1) above)....................................................
2. Brokered deposits of $100,000 through $250,000 with a remaining maturity of one
year or less (included in Memorandum item 1.c.(2) above)........................................
3. Brokered deposits of more than $250,000 with a remaining maturity of one year
or less (included in Memorandum item 1.b above).....................................................
e. Preferred deposits (uninsured deposits of states and political subdivisions in the U.S.
reported in item 3 above which are secured or collateralized as required under state law)
(to be completed for the December report only)...............................................................
f. Estimated amount of deposits obtained through the use of deposit listing services that
are not brokered deposits.................................................................................................
2. Components of total nontransaction accounts (sum of Memorandum items 2.a through
2.d must equal item 7, column C above):
a. Savings deposits:
1. Money market deposit accounts (MMDAs).............................................................
2. Other savings deposits (excludes MMDAs).............................................................
b. Total time deposits of less than $100,000.....................................................................

M.1.

RCON2365

0 M.1.a.
9,815,111 M.1.b.

RCON2343

9,815,111 M.1.c.1.

RCON6835

M.1.c.

RCONJ472

0
M.1.c.2.
M.1.d.

RCONA243

2,648,099
M.1.d.1.

RCONK219

0
M.1.d.2.

RCONK220

0
M.1.d.3.

RCON5590

NR
M.1.e.

RCONK223

1,165,315
M.1.f.
M.2.
M.2.a.

RCON0352

440,155 M.2.a.1.
6,567,022 M.2.a.2.

RCON6648

9,940,672 M.2.b.

RCON6810

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
27

Dollar amounts in thousands

c. Total time deposits of $100,000 through $250,000.......................................................


d. Total time deposits of more than $250,000...................................................................
e. Individual Retirement Accounts (IRAs) and Keogh Plan accounts of $100,000 or more
included in Memorandum items 2.c and 2.d above..........................................................
3. Maturity and repricing data for time deposits of less than $100,000:
a. Time deposits of less than $100,000 with a remaining maturity or next repricing date
of:
1. Three months or less...............................................................................................
2. Over three months through 12 months...................................................................
3. Over one year through three years.........................................................................
4. Over three years......................................................................................................
b. Time deposits of less than $100,000 with a REMAINING MATURITY of one year or
less (included in Memorandum items 3.a.(1) and 3.a.(2) above).....................................
4. Maturity and repricing data for time deposits of $100,000 or more:
a. Time deposits of $100,000 or more with a remaining maturity or next repricing date
of:
1. Three months or less...............................................................................................
2. Over three months through 12 months...................................................................
3. Over one year through three years.........................................................................
4. Over three years......................................................................................................
b. Time deposits of $100,000 through $250,000 with a REMAINING MATURITY of one
year or less (included in Memorandum items 4.a.(1) and 4.a.(2) above).........................
c. Time deposits of more than $250,000 with a REMAINING MATURITY of one year or
less (included in Memorandum items 4.a.(1) and 4.a.(2) above).....................................
5. Does your institution offer one or more consumer deposit account products, i.e., transaction
account or nontransaction savings account deposit products intended primarily for individuals
for personal, household, or family use?..................................................................................
6. Components of total transaction account deposits of individuals, partnerships, and
corporations (sum of Memorandum items 6.a, 6.b, and 6.c must equal item 1, column A,
above):
a. Total deposits in those noninterest-bearing transaction account deposit products
intended primarily for individuals for personal, household, or family use.........................
b. Total deposits in those interest-bearing transaction account deposit products intended
primarily for individuals for personal, household, or family use........................................
c. Total deposits in all other transaction accounts of individuals, partnerships, and
corporations......................................................................................................................
7. Components of total nontransaction account deposits of individuals, partnerships, and
corporations (sum of Memorandum items 7.a.(1), 7.a.(2), 7.b.(1), and 7.b.(2) plus all time
deposits of individuals, partnerships, and corporations must equal item 1, column C, above):
a. Money market deposit accounts (MMDAs) of individuals, partnerships, and corporations
(sum of Memorandum items 7.a.(1) and 7.a.(2) must be less than or equal to Memorandum
item 2.a.(1) above):
1. Total deposits in those MMDA deposit products intended primarily for individuals
for personal, household, or family use........................................................................
2. Deposits in all other MMDAs of individuals, partnerships, and corporations..........
b. Other savings deposit accounts of individuals, partnerships, and corporations (sum of
Memorandum items 7.b.(1) and 7.b.(2) must be less than or equal to Memorandum item
2.a.(2) above):
1. Total deposits in those other savings deposit account deposit products intended
primarily for individuals for personal, household, or family use...................................
2. Deposits in all other savings deposit accounts of individuals, partnerships, and
corporations................................................................................................................

RCONJ474

651,471 M.2.c.
572,555 M.2.d.

RCONF233

RCONJ473

M.2.e.
M.3.
M.3.a.

RCONA579
RCONA580

859,288 M.3.a.1.
1,610,471 M.3.a.2.

RCONA582

4,429,088 M.3.a.3.
3,041,825 M.3.a.4.

RCONA241

2,467,008

RCONA581

M.3.b.
M.4.
M.4.a.

RCONA584
RCONA585

423,010 M.4.a.1.
409,161 M.4.a.2.

RCONA586

64,916 M.4.a.3.

RCONA587

326,939 M.4.a.4.

RCONK221

397,407
M.4.b.

RCONK222

434,764
M.4.c.

RCONP752

Yes
M.5.

M.6.

RCONP753

0
M.6.a.

RCONP754

0
M.6.b.

RCONP755

212
M.6.c.

M.7.

M.7.a.

RCONP756

440,155
M.7.a.1.

RCONP757

0 M.7.a.2.

M.7.b.

RCONP758

6,567,022
M.7.b.1.

RCONP759

0
M.7.b.2.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
28

Schedule RC-F - Other Assets


Dollar amounts in thousands

1. Accrued interest receivable................................................................................................


2. Net deferred tax assets......................................................................................................
3. Interest-only strips receivable (not in the form of a security) on:
a. Mortgage loans.............................................................................................................
b. Other financial assets...................................................................................................
4. Equity securities that DO NOT have readily determinable fair values................................
5. Life insurance assets:
a. General account life insurance assets..........................................................................
b. Separate account life insurance assets........................................................................
c. Hybrid account life insurance assets.............................................................................
6. All other assets (itemize and describe amounts greater than $25,000 that exceed 25% of
this item).................................................................................................................................
a. Prepaid expenses.........................................................................................................
b. Repossessed personal property (including vehicles)....................................................
c. Derivatives with a positive fair value held for purposes other than trading....................
d. Retained interests in accrued interest receivable related to securitized credit cards....
e. FDIC loss-sharing indemnification assets.....................................................................
f. Not applicable
g. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
h. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
i. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
7. Total (sum of items 1 through 6) (must equal Schedule RC, item 11)................................

RCONB556
RCON2148

50,274 1.
0 2.
3.

RCONA520

0 3.a.
0 3.b.

RCON1752

0 4.

RCONK201
RCONK202

0 5.a.
0 5.b.

RCONK270

0 5.c.

RCONA519

5.

RCON2168

2,626,182
6.

0 6.a.
0 6.b.

RCON2166
RCON1578

RCONC436

0 6.c.
0 6.d.

RCONJ448

0 6.e.

RCONC010

6.f.
6.g.

TEXT3549

Click here for


value

6.g.1.

RCON3549

2,398,809 6.g.2.

TEXT3550

NR 6.h.1.
0 6.h.2.

6.h.

RCON3550

6.i.

NR 6.i.1.
0 6.i.2.

TEXT3551
RCON3551
RCON2160

2,676,456 7.

(TEXT3549) Equipment Leased Under Operating Leases (HFS)

Schedule RC-G - Other Liabilities


Dollar amounts in thousands

1. Not available
a. Interest accrued and unpaid on deposits......................................................................
b. Other expenses accrued and unpaid (includes accrued income taxes payable)..........
2. Net deferred tax liabilities...................................................................................................
3. Allowance for credit losses on off-balance sheet credit exposures....................................
4. All other liabilities (itemize and describe amounts greater than $25,000 that exceed 25
percent of this item)................................................................................................................
a. Accounts payable..........................................................................................................
b. Deferred compensation liabilities..................................................................................
c. Dividends declared but not yet payable........................................................................
d. Derivatives with a negative fair value held for purposes other than trading..................
e. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................

1.

RCON3645
RCON3646

43,088 1.a.
133,813 1.b.

RCONB557

285,200 2.
0 3.

RCON2938

276,108

RCON3049

4.

0 4.a.
0 4.b.

RCON3066
RCONC011

0 4.c.
0 4.d.

RCON2932
RCONC012

4.e.

TEXT3552
RCON3552

Click here for


value

4.e.1.

87,929 4.e.2.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
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Dollar amounts in thousands

f. Disclose component and the dollar amount of that component:


1. Describe component...............................................................................................
2. Amount of component.............................................................................................
g. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
5. Total....................................................................................................................................

4.f.

TEXT3553

Click here for


value

4.f.1.

RCON3553

83,390 4.f.2.

TEXT3554

NR 4.g.1.
0 4.g.2.

4.g.

RCON3554
RCON2930

738,209 5.

RCON3381

3,244,059 1.

(TEXT3552) TFS Wholesale (Rush) payable to manufacturers


(TEXT3553) Impairment on Unfunded Commitments to be Sold

Schedule RC-K - Quarterly Averages


Dollar amounts in thousands

1. Interest-bearing balances due from depository institutions................................................


2. U.S. Treasury securities and U.S. Government agency obligations (excluding
mortgage-backed securities)..................................................................................................
3. Mortgage-backed securities...............................................................................................
4. All other securities (includes securities issued by states and political subdivisions in the
U.S.).......................................................................................................................................
5. Federal funds sold and securities purchased under agreements to resell.........................
6. Loans:
a. Total loans.....................................................................................................................
b. Loans secured by real estate:
1. Loans secured by 1-4 family residential properties.................................................
2. All other loans secured by real estate.....................................................................
c. Commercial and industrial loans...................................................................................
d. Loans to individuals for household, family, and other personal expenditures:
1. Credit cards.............................................................................................................
2. Other (includes revolving credit plans other than credit cards, automobile loans,
and other consumer loans).........................................................................................
7. Trading assets.....................................................................................................................
8. Lease financing receivables (net of unearned income)......................................................
9. Total assets.........................................................................................................................
10. Interest-bearing transaction accounts (interest-bearing demand deposits, NOW accounts,
ATS accounts, and telephone and preauthorized transfer accounts).....................................
11. Nontransaction accounts:
a. Savings deposits (includes MMDAs)............................................................................
b. Time deposits of $100,000 or more..............................................................................
c. Time deposits of less than $100,000............................................................................
12. Federal funds purchased and securities sold under agreements to repurchase..............
13. Other borrowed money (includes mortgage indebtedness and obligations under capitalized
leases)....................................................................................................................................
1. Loans to finance agricultural production and other loans to farmers .................................

RCONB558

0
2.

RCONB559

52,440 3.

RCONB560

38,825
4.

RCON3365

0 5.
6.

RCON3360

16,546,794 6.a.
6.b.

RCON3465
RCON3466
RCON3387

0 6.b.1.
4,543,083 6.b.2.
11,924,429 6.c.
6.d.

RCONB561

0 6.d.1.

RCONB562

0
6.d.2.

RCON3484

0 7.
615,929 8.

RCON3368

23,332,901 9.

RCON3401

RCON3485

0
10.
11.

RCONB563
RCONA514

7,296,901 11.a.
1,297,030 11.b.

RCON3353

10,284,836 11.c.
0 12.

RCON3355

77,073

RCON3386

68,373 M.1.

RCONA529

13.

Schedule RC-L - Derivatives and Off-Balance Sheet Items


Dollar amounts in thousands

1. Unused commitments:

1.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
30

Dollar amounts in thousands

a. Revolving, open-end lines secured by 1-4 family residential properties, i.e., home
equity lines........................................................................................................................
1. Unused commitments for Home Equity Conversion Mortgage (HECM) reverse
mortgages outstanding that are held for investment (included in item 1.a above)......
2. Unused commitments for proprietary reverse mortgages outstanding that are held
for investment (included in item 1.a above).................................................................
b. Credit card lines (Sum of items 1.b.(1) and 1.b.(2) must equal item 1.b)......................
1. Unused consumer credit card lines.........................................................................
2. Other unused credit card lines................................................................................
c. Commitments to fund commercial real estate, construction, and land development
loans:
1. Secured by real estate:
a. 1-4 family residential construction loan commitments.......................................
b. Commercial real estate, other construction loan, and land development loan
commitments.........................................................................................................
2. Not secured by real estate......................................................................................
d. Securities underwriting.................................................................................................
e. Other unused commitments:
1. Commercial and industrial loans.............................................................................
2. Loans to financial institutions..................................................................................
3. All other unused commitments................................................................................
2. Financial standby letters of credit.......................................................................................
a. Amount of financial standby letters of credit conveyed to others..................................
3. Performance standby letters of credit.................................................................................
a. Amount of performance standby letters of credit conveyed to others...........................
4. Commercial and similar letters of credit.............................................................................
5. Not applicable
6. Securities lent and borrowed:
a. Securities lent (including customers' securities lent where the customer is indemnified
against loss by the reporting bank)...................................................................................
b. Securities borrowed......................................................................................................

RCON3814

0
1.a.

RCONJ477

NR
1.a.1.

RCONJ478

NR
1.a.2.

RCONJ455

0 1.b.
0 1.b.1.

RCONJ456

0 1.b.2.

RCON3815

1.c.
1.c.1.

RCONF164
RCONF165

0 1.c.1.a.
447,073
1.c.1.b.

RCON6550
RCON3817

18,464 1.c.2.
0 1.d.
1.e.

RCONJ457
RCONJ458
RCONJ459
RCON3819

1,170,240 1.e.1.
0 1.e.2.
42,304 1.e.3.
34,599 2.

RCON3820

0 2.a.

RCON3821
RCON3822

10,056 3.
0 3.a.

RCON3411

2,749 4.
5.
6.

RCON3433

RCON3432

0 6.b.

6.a.

Schedule RC-L - Derivatives and Off-Balance Sheet Items


Dollar amounts in thousands

7. Credit derivatives:
a. Notional amounts:
1. Credit default swaps..................................................................
2. Total return swaps......................................................................
3. Credit options.............................................................................
4. Other credit derivatives..............................................................
b. Gross fair values:
1. Gross positive fair value.............................................................
2. Gross negative fair value...........................................................

(Column A) Sold
Protection

(Column B) Purchased
Protection
7.
7.a.

RCONC968

0 RCONC969

RCONC970

0 RCONC971

RCONC972

0 RCONC973

RCONC974

0 RCONC975

RCONC219

0 RCONC221

RCONC220

0 RCONC222

227,500 7.a.1.
0 7.a.2.
0 7.a.3.
0 7.a.4.
7.b.

0 7.b.1.
3,175 7.b.2.

Schedule RC-L - Derivatives and Off-Balance Sheet Items


Dollar amounts in thousands

c. Notional amounts by regulatory capital treatment:


1. Positions covered under the Market Risk Rule:
a. Sold protection........................................................................................................

7.c.
7.c.1.

RCONG401

0 7.c.1.a.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
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Dollar amounts in thousands

b. Purchased protection..............................................................................................
2. All other positions:
a. Sold protection........................................................................................................
b. Purchased protection that is recognized as a guarantee for regulatory capital
purposes.....................................................................................................................
c. Purchased protection that is not recognized as a guarantee for regulatory capital
purposes.....................................................................................................................

RCONG402

0 7.c.1.b.

RCONG403

0 7.c.2.a.

7.c.2.

227,500

RCONG404

7.c.2.b.

RCONG405

7.c.2.c.

Schedule RC-L - Derivatives and Off-Balance Sheet Items


(Column A)
(Column B)
(Column C)
Remaining
Remaining
Remaining
Maturity of One Maturity of Over Maturity of Over
Year or Less
One Year
Five Years
Through Five
Years
Dollar amounts in thousands
d. Notional amounts by remaining maturity:

7.d.

1. Sold credit protection:

7.d.1.

RCONG406

a. Investment grade...................................................................

RCONG407

0
RCONG409

b. Subinvestment grade.............................................................

RCONG408

0
RCONG410

0 7.d.1.a.
RCONG411

0 7.d.1.b.

2. Purchased credit protection:

7.d.2.

RCONG412

a. Investment grade...................................................................

RCONG413

0
RCONG415

b. Subinvestment grade.............................................................

RCONG414

0
RCONG416

205,000 7.d.2.a.
RCONG417

22,500 7.d.2.b.

Schedule RC-L - Derivatives and Off-Balance Sheet Items


Dollar amounts in thousands

8. Spot foreign exchange contracts........................................................................................


9. All other off-balance sheet liabilities (exclude derivatives) (itemize and describe each
component of this item over 25% of Schedule RC, item 27.a, "Total bank equity capital").....
a. Not applicable
b. Commitments to purchase when-issued securities.......................................................
c. Standby letters of credit issued by another party (e.g., a Federal Home Loan Bank)
on the bank's behalf..........................................................................................................
d. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
e. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
f. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
10. All other off-balance sheet assets (exclude derivatives) (itemize and describe each
component of this item over 25% of Schedule RC, item 27.a, "Total bank equity capital").....

RCON8765

0 8.

RCON3430

0
9.
9.a.

RCON3434

0 9.b.

RCONC978

0
9.c.
9.d.

TEXT3555
RCON3555

NR 9.d.1.
0 9.d.2.
9.e.

TEXT3556
RCON3556

NR 9.e.1.
0 9.e.2.
9.f.

TEXT3557
RCON3557
RCON5591

NR 9.f.1.
0 9.f.2.
0
10.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
32

Dollar amounts in thousands

a. Commitments to sell when-issued securities................................................................


b. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
c. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
d. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
e. Disclose component and the dollar amount of that component:
1. Describe component...............................................................................................
2. Amount of component.............................................................................................
11. Year-to-date merchant credit card sales volume:
a. Sales for which the reporting bank is the acquiring bank.............................................
b. Sales for which the reporting bank is the agent bank with risk.....................................

RCON3435

0 10.a.

TEXT5592

NR 10.b.1.
0 10.b.2.

10.b.

RCON5592

10.c.

TEXT5593
RCON5593

NR 10.c.1.
0 10.c.2.
10.d.

TEXT5594
RCON5594

NR 10.d.1.
0 10.d.2.
10.e.

TEXT5595
RCON5595

NR 10.e.1.
0 10.e.2.
11.

RCONC223
RCONC224

0 11.a.
0 11.b.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
33

Schedule RC-L - Derivatives and Off-Balance Sheet Items


(Column A) Interest (Column B) Foreign (Column C) Equity
Rate Contracts
Exchange
Derivative
Contracts
Contracts
Dollar amounts in thousands

(Column D)
Commodity and
Other Contracts

12. Gross amounts (e.g., notional amounts):

12.

RCON8693

a. Futures contracts.............................................................................................

RCON8694

0
RCON8697

b. Forward contracts............................................................................................

RCON8695

0
RCON8698

RCON8696

0
RCON8699

0 12.a.
RCON8700

0 12.b.

c. Exchange-traded option contracts:

12.c.

RCON8701

1. Written options...........................................................................................

RCON8702

0
RCON8705

2. Purchased options.....................................................................................

RCON8703

0
RCON8706

RCON8704

0
RCON8707

0 12.c.1.
RCON8708

0 12.c.2.

d. Over-the-counter option contracts:

12.d.

RCON8709

1. Written options...........................................................................................

RCON8710

0
RCON8713

2. Purchased options.....................................................................................

13. Total gross notional amount of derivative contracts held for trading....................

0 12.d.2.
RCON8720

RCON8723

RCON8726

0 12.d.1.
RCON8716

RCON8719

RCONA127

RCON8725

RCON8712

RCON8715

RCON3826

RCONA126

14. Total gross notional amount of derivative contracts held for purposes other than
trading.......................................................................................................................

0
RCON8714

RCON3450

e. Swaps..............................................................................................................

RCON8711

0 12.e.
RCON8724

0
RCON8727

0 13.
RCON8728

0 14.

RCONA589

a. Interest rate swaps where the bank has agreed to pay a fixed rate................

14.a.

15. Gross fair values of derivative contracts:

15.

a. Contracts held for trading:

15.a.

RCON8733

1. Gross positive fair value.............................................................................

RCON8734

0
RCON8737

2. Gross negative fair value...........................................................................

RCON8735

0
RCON8738

RCON8736

0
RCON8739

0 15.a.1.
RCON8740

0 15.a.2.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
34

(Column A) Interest (Column B) Foreign (Column C) Equity


Rate Contracts
Exchange
Derivative
Contracts
Contracts
Dollar amounts in thousands

(Column D)
Commodity and
Other Contracts

b. Contracts held for purposes other than trading:

15.b.

RCON8741

1. Gross positive fair value.............................................................................

RCON8742

0
RCON8745

2. Gross negative fair value...........................................................................

RCON8743

RCON8746

RCON8744

0 15.b.1.

RCON8747

RCON8748

0 15.b.2.

Schedule RC-L - Derivatives and Off-Balance Sheet Items


(Column A)
Banks and
Securities Firms

(Column B)
Monoline
Financial
Guarantors

(Column C)
Hedge Funds

(Column D)
Sovereign
Governments

(Column E)
Corporations and
All Other
Counterparties

RCONG418

RCONG419

RCONG420

RCONG421

RCONG422

Dollar amounts in thousands

16. Over-the counter derivatives:

16.

a. Net current credit exposure...............................................................

0 16.a.

b. Fair value of collateral:

16.b.

RCONG423

1. Cash - U.S. dollar.........................................................................

RCONG424

0
RCONG428

2. Cash - Other currencies..............................................................

4. U.S. Government agency and U.S. Government-sponsored


agency debt securities....................................................................

0
RCONG448

6. Equity securities..........................................................................

0
RCONG453

7. All other collateral........................................................................

0
RCONG458

0 16.b.6.
RCONG457

0
RCONG461

0 16.b.5.
RCONG452

RCONG456

RCONG460

0 16.b.4.
RCONG447

RCONG451

RCONG455

RCONG459

0 16.b.3.
RCONG442

RCONG446

RCONG450

RCONG454

0 16.b.2.
RCONG437

RCONG441

RCONG445

RCONG449

0 16.b.1.
RCONG432

RCONG436

RCONG440

RCONG444

RCONG427

RCONG431

RCONG435

RCONG439

5. Corporate bonds..........................................................................

0
RCONG438

RCONG426

RCONG430

RCONG434

RCONG443

8. Total fair value of collateral (sum of items 16.b.(1) through (7))....

0
RCONG429

RCONG433

3. U.S. Treasury securities...............................................................

RCONG425

0 16.b.7.
RCONG462

0 16.b.8.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
35

Schedule RC-M - Memoranda


Dollar amounts in thousands

1. Extensions of credit by the reporting bank to its executive officers, directors, principal
shareholders, and their related interests as of the report date:
a. Aggregate amount of all extensions of credit to all executive officers, directors, principal
shareholders, and their related interests..........................................................................
b. Number of executive officers, directors, and principal shareholders to whom the amount
of all extensions of credit by the reporting bank (including extensions of credit to related
interests) equals or exceeds the lesser of $500,000 or 5 percent of total capital as defined
for this purpose in agency regulations..............................................................................
2. Intangible assets other than goodwill:
a. Mortgage servicing assets............................................................................................
1. Estimated fair value of mortgage servicing assets..................................................
b. Purchased credit card relationships and nonmortgage servicing assets......................
c. All other identifiable intangible assets...........................................................................
d. Total (sum of items 2.a, 2.b, and 2.c) (must equal Schedule RC, item 10.b)................
3. Other real estate owned:
a. Construction, land development, and other land..........................................................
b. Farmland.......................................................................................................................
c. 1-4 family residential properties....................................................................................
d. Multifamily (5 or more) residential properties................................................................
e. Nonfarm nonresidential properties................................................................................
f. Foreclosed properties from "GNMA loans"....................................................................
g. Total (sum of items 3.a through 3.f) (must equal Schedule RC, item 7)........................
4. Not applicable
5. Other borrowed money:
a. Federal Home Loan Bank advances:
1. Advances with a remaining maturity or next repricing date of:
a. One year or less................................................................................................
b. Over one year through three years....................................................................
c. Over three years through five years...................................................................
d. Over five years...................................................................................................
2. Advances with a remaining maturity of one year or less (included in item 5.a.(1)(a)
above).........................................................................................................................
3. Structured advances (included in items 5.a.(1)(a) - (d) above)...............................
b. Other borrowings:
1. Other borrowings with a remaining maturity of next repricing date of:
a. One year or less................................................................................................
b. Over one year through three years....................................................................
c. Over three years through five years...................................................................
d. Over five years...................................................................................................
2. Other borrowings with a remaining maturity of one year or less (included in item
5.b.(1)(a) above).........................................................................................................
c. Total (sum of items 5.a.(1)(a)-(d) and items 5.b.(1)(a)-(d)) (must equal Schedule RC,
item 16).............................................................................................................................
6. Does the reporting bank sell private label or third party mutual funds and annuities?.......
7. Assets under the reporting bank's management in proprietary mutual funds and annuities.
8. Internet Web site addresses and physical office trade names:
a. Uniform Resource Locator (URL) of the reporting institution's primary Internet Web
site (home page), if any (Example: www.examplebank.com):..........................................
b. URLs of all other public-facing Internet Web sites that the reporting institution uses to
accept or solicit deposits from the public, if any (Example: www.examplebank.biz):
1. URL 1......................................................................................................................

1.

RCON6164

1.a.

RCON6165

1.b.
2.

0 2.a.
0 2.a.1.

RCON3164
RCONA590

RCON5507

0 2.b.
0 2.c.

RCON0426

0 2.d.

RCON5508

0 3.a.
0 3.b.

RCONB026

3.

RCON5509

0 3.c.
0 3.d.

RCON5510
RCON5511

RCONC979

0 3.e.
0 3.f.

RCON2150

0 3.g.

RCON5512

4.
5.
5.a.
5.a.1.

0 5.a.1.a.
0 5.a.1.b.

RCONF055
RCONF056

RCONF058

0 5.a.1.c.
0 5.a.1.d.

RCON2651

RCONF059

0 5.a.3.

RCONF057

5.a.2.

5.b.
5.b.1.

RCONF060
RCONF061

46,799 5.b.1.a.
0 5.b.1.b.
0 5.b.1.c.
0 5.b.1.d.

RCONF062
RCONF063
RCONB571

46,799
5.b.2.

RCON3190

46,799
5.c.

No 6.
0 7.

RCONB569
RCONB570

8.

TEXT4087

Click here for


value

8.a.
8.b.

TE01N528

NR 8.b.1.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
36

Dollar amounts in thousands

2. URL 2......................................................................................................................
3. URL 3......................................................................................................................
4. URL 4......................................................................................................................
5. URL 5......................................................................................................................
6. URL 6......................................................................................................................
7. URL 7......................................................................................................................
8. URL 8......................................................................................................................
9. URL 9......................................................................................................................
10. URL 10..................................................................................................................
c. Trade names other than the reporting institution's legal title used to identify one or
more of the institution's physical offices at which deposits are accepted or solicited from
the public, if any:
1. Trade name 1..........................................................................................................
2. Trade name 2..........................................................................................................
3. Trade name 3..........................................................................................................
4. Trade name 4..........................................................................................................
5. Trade name 5..........................................................................................................
6. Trade name 6..........................................................................................................
9. Do any of the bank's Internet Web sites have transactional capability, i.e., allow the bank's
customers to execute transactions on their accounts through the Web site?.........................
10. Secured liabilities:
a. Amount of "Federal funds purchased" that are secured (included in Schedule RC, item
14.a).................................................................................................................................
b. Amount of "Other borrowings" that are secured (included in Schedule RC-M, items
5.b.(1)(a) - (d))..................................................................................................................
11. Does the bank act as trustee or custodian for Individual Retirement Accounts, Health
Savings Accounts, and other similar accounts?.....................................................................
12. Does the bank provide custody, safekeeping, or other services involving the acceptance
of orders for the sale or purchase of securities?....................................................................
13. Assets covered by loss-sharing agreements with the FDIC:
a. Loans and leases (included in Schedule RC, items 4.a and 4.b):
1. Loans secured by real estate:
a. Construction, land development, and other land loans:
1. 1-4 family residential construction loans......................................................
2. Other construction loans and all land development and other land loans....
b. Secured by farmland..........................................................................................
c. Secured by 1-4 family residential properties:
1. Revolving, open-end loans secured by 1-4 family residential properties and
extended under lines of credit..........................................................................
2. Closed-end loans secured by 1-4 family residential properties:
a. Secured by first liens..............................................................................
b. Secured by junior liens...........................................................................
d. Secured by multifamily (5 or more) residential properties.................................
e. Secured by nonfarm nonresidential properties:
1. Loans secured by owner-occupied nonfarm nonresidential properties.......
2. Loans secured by other nonfarm nonresidential properties.........................
2. Not applicable
3. Commercial and industrial loans.............................................................................
4. Loans to individuals for household, family, and other personal expenditures:
a. Credit cards.......................................................................................................
b. Automobile loans...............................................................................................

TE02N528
TE03N528
TE04N528
TE05N528
TE06N528
TE07N528

NR 8.b.2.
NR 8.b.3.
NR 8.b.4.
NR 8.b.5.
NR 8.b.6.
NR 8.b.7.

TE09N528

NR 8.b.8.
NR 8.b.9.

TE10N528

NR 8.b.10.

TE01N529

NR 8.c.1.
NR 8.c.2.

TE08N528

8.c.

TE02N529
TE03N529
TE04N529

NR 8.c.3.
NR 8.c.4.

TE06N529

NR 8.c.5.
NR 8.c.6.

RCON4088

Yes

TE05N529

9.
10.

RCONF064

0
10.a.

RCONF065

0
10.b.

RCONG463

No
11.

RCONG464

No
12.
13.
13.a.
13.a.1.
13.a.1.a.

RCONK170

0 13.a.1.a.1.
0 13.a.1.a.2.

RCONK171

0 13.a.1.b.

RCONK169

13.a.1.c.

RCONK172

0
13.a.1.c.1.
13.a.1.c.2.

RCONK174

0 13.a.1.c.2.a.
0 13.a.1.c.2.b.

RCONK175

0 13.a.1.d.

RCONK176
RCONK177

0 13.a.1.e.1.
0 13.a.1.e.2.

RCONK179

0 13.a.3.

RCONK180

0 13.a.4.a.
0 13.a.4.b.

RCONK173

13.a.1.e.

13.a.2.

13.a.4.

RCONK181

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
37

Dollar amounts in thousands

c. Other (includes revolving credit plans other than credit cards and other consumer
loans).....................................................................................................................
5. All other loans and all leases..................................................................................
a. Loans to depository institutions and acceptances of other banks.....................
b. Loans to foreign governments and official institutions.......................................
c. Other loans........................................................................................................
1. Loans to finance agricultural production and other loans to farmers included
in Schedule RC-M, item 13.a.(5)(c), above.....................................................
d. Lease financing receivables..............................................................................
b. Other real estate owned (included in Schedule RC, item 7):
1. Construction, land development, and other land.....................................................
2. Farmland.................................................................................................................
3. 1-4 family residential properties..............................................................................
4. Multifamily (5 or more) residential properties..........................................................
5. Nonfarm nonresidential properties..........................................................................
6. Not applicable
7. Portion of covered other real estate owned included in items 13.b.(1) through (5)
above that is protected by FDIC loss-sharing agreements.........................................
c. Debt securities (included in Schedule RC, items 2.a and 2.b)......................................
d. Other assets (exclude FDIC loss-sharing indemnification assets)................................
14. Captive insurance and reinsurance subsidiaries:
a. Total assets of captive insurance subsidiaries..............................................................
b. Total assets of captive reinsurance subsidiaries...........................................................
15. Qualified Thrift Lender (QTL) test:
a. Does the institution use the Home Owners' Loan Act (HOLA) QTL test or the Internal
Revenue Service Domestic Building and Loan Association (IRS DBLA) test to determine
its QTL compliance? (for the HOLA QTL test, enter 1; for the IRS DBLA test, enter 2)....
b. Has the institution been in compliance with the HOLA QTL test as of each month end
during the quarter or the IRS DBLA test for its most recent taxable year, as applicable?.
16. International remittance transfers offered to consumers:
a. As of the report date, did your institution offer to consumers in any state any of the
following mechanisms for sending international remittance transfers?
1. International wire transfers......................................................................................
2. International ACH transactions...............................................................................
3. Other proprietary services operated by your institution...........................................
4. Other proprietary services operated by another party............................................
b. Did your institution provide more than 100 international remittance transfers in the
previous calendar year or does your institution estimate that it will provide more than 100
international remittance transfers in the current calendar year?.......................................
c. Indicate which of the mechanisms described in items 16.a.(1), (2), and (3) above is
the mechanism that your institution estimates accounted for the largest number of
international remittance transfers your institution provided during the two calendar quarters
ending on the report date. (For international wire transfers, enter 1; for international ACH
transactions, enter 2; for other proprietary services operated by your institution, enter 3.
If your institution did not provide any international remittance transfers using the
mechanisms described in items 16.a.(1), (2), and (3) above during the two calendar
quarters ending on the report date, enter 0.)....................................................................
d. Estimated number and dollar value of international remittance transfers provided by
your institution during the two calendar quarters ending on the report date:
1. Estimated number of international remittance transfers..........................................
2. Estimated dollar value of international remittance transfers....................................
3. Estimated number of international remittance transfers for which your institution
applied the temporary exception.................................................................................

RCONK182

RCONK183

0 13.a.5.
0 13.a.5.a.

13.a.4.c.

RCONK184

RCONK186

0 13.a.5.b.
0 13.a.5.c.

RCONK178

RCONK273

0 13.a.5.d.

RCONK187

0 13.b.1.
0 13.b.2.

RCONK185

13.a.5.c.1.

13.b.

RCONK188

RCONK190

0 13.b.3.
0 13.b.4.

RCONK191

0 13.b.5.

RCONK189

13.b.6.

RCONK192

RCONJ461

0 13.c.
0 13.d.

13.b.7.

RCONJ462

14.

RCONK193
RCONK194

0 14.a.
0 14.b.
15.

RCONL133

NR
15.a.

RCONL135

NR
15.b.
16.
16.a.

RCONN517
RCONN518

No 16.a.1.
No 16.a.2.

RCONN520

No 16.a.3.
No 16.a.4.

RCONN521

No

RCONN519

16.b.

RCONN522

NR

16.c.
16.d.

RCONN524

NR 16.d.1.
NR 16.d.2.

RCONN527

NR

RCONN523

16.d.3.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
38

(TEXT4087) http://www.gecapitalbank.com

Schedule RC-N - Past Due and Nonaccrual Loans Leases and Other Assets
(Column A) Past (Column B) Past
due 30 through due 90 days or
89 days and still more and still
accruing
accruing
Dollar amounts in thousands

(Column C)
Nonaccrual

1. Loans secured by real estate:

1.

a. Construction, land development, and other land loans:

1.a.

RCONF172

1. 1-4 family residential construction loans................................


2. Other construction loans and all land development and other
land loans..................................................................................

RCONF174

0
RCONF173

0
RCONF175

0
RCON3493

b. Secured by farmland...................................................................

RCONF176

0 1.a.1.
RCONF177

0
RCON3494

0 1.a.2.
RCON3495

0 1.b.

c. Secured by 1-4 family residential properties:


1. Revolving, open-end loans secured by 1-4 family residential
properties and extended under lines of credit...........................

1.c.

RCON5398

RCON5399

RCON5400

0 1.c.1.

2. Closed-end loans secured by 1-4 family residential properties:

1.c.2.

RCONC236

a. Secured by first liens........................................................

RCONC237

0
RCONC238

b. Secured by junior liens.....................................................

0
RCONC239

0
RCON3499

d. Secured by multifamily (5 or more) residential properties...........

RCONC229

0 1.c.2.a.
RCONC230

0
RCON3500

0 1.c.2.b.
RCON3501

0 1.d.

e. Secured by nonfarm nonresidential properties:


1. Loans secured by owner-occupied nonfarm nonresidential
properties..................................................................................

1.e.

RCONF178

RCONF180

0
RCONF179

2. Loans secured by other nonfarm nonresidential properties...

0
RCONF181

0
RCONB834

2. Loans to depository institutions and acceptances of other banks.....

RCONF182

1,986 1.e.1.
RCONF183

0
RCONB835

0 1.e.2.
RCONB836

0 2.

3. Not applicable

3.

RCON1606

4. Commercial and industrial loans.......................................................

RCON1607

10,482

RCON1608

72,124 4.

5. Loans to individuals for household, family, and other personal


expenditures:

5.

RCONB575

a. Credit cards.................................................................................

RCONB576

0
RCONK213

b. Automobile loans.........................................................................
c. Other (includes revolving credit plans other than credit cards and
other consumer loans)....................................................................

0
RCONK214

0
RCONK216

0 5.b.
RCONK218

0
RCON5390

0 5.a.
RCONK215

RCONK217

RCON5389

6. Loans to foreign governments and official institutions......................

RCONB577

0 5.c.
RCON5391

0 6.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
39

(Column A) Past (Column B) Past


due 30 through due 90 days or
89 days and still more and still
accruing
accruing
Dollar amounts in thousands
RCON5459

7. All other loans...................................................................................

RCON5460

608
RCON1226

8. Lease financing receivables..............................................................


9. Debt securities and other assets (exclude other real estate owned
and other repossessed assets).............................................................
10. Loans and leases reported in items 1 through 8 above that are
wholly or partially guaranteed by the U.S. Government, excluding loans
and leases covered by loss-sharing agreements with the FDIC:..........

1,114

262

b. Rebooked "GNMA loans" that have been repurchased or are


eligible for repurchase included in item 10 above...........................

RCONK042

1,107 8.
RCON3507

243
RCONK037

0
RCONK039

158 7.
RCON1228

RCON3506

RCONK036

a. Guaranteed portion of loans and leases included in item 10 above,


excluding rebooked "GNMA loans".................................................

RCON5461

RCON1227

RCON3505

(Column C)
Nonaccrual

33 9.
RCONK038

0
RCONK040

0
RCONK043

0 10.a.
RCONK044

0 10.b.

11. Loans and leases reported in items 1 through 8 above that are
covered by loss-sharing agreements with the FDIC:

11.

a. Loans secured by real estate:

11.a.

1. Construction, land development, and other land loans:

11.a.1.

RCONK045

a. 1-4 family residential construction loans..........................


b. Other construction loans and all land development and
other land loans...................................................................

RCONK046

0
RCONK048

2. Secured by farmland..............................................................

RCONK047

RCONK049

RCONK051

0 11.a.1.a.
RCONK050

0
RCONK052

0 11.a.1.b.
RCONK053

0 11.a.2.

3. Secured by 1-4 family residential properties:


a. Revolving, open-end loans secured by 1-4 family
residential properties and extended under lines of credit.....

11.a.3.

RCONK054

RCONK055

RCONK056

0 11.a.3.a.

b. Closed-end loans secured by 1-4 family residential


properties:

11.a.3.b.

RCONK057

1. Secured by first liens..................................................

RCONK058

0
RCONK060

2. Secured by junior liens...............................................

4. Secured by multifamily (5 or more) residential properties.....

RCONK059

RCONK061

RCONK063

0 11.a.3.b.1.
RCONK062

0
RCONK064

0 11.a.3.b.2.
RCONK065

0 11.a.4.

5. Secured by nonfarm nonresidential properties:

11.a.5.

a. Loans secured by owner-occupied nonfarm nonresidential


properties.............................................................................

RCONK066

b. Loans secured by other nonfarm nonresidential


properties.............................................................................

RCONK069

RCONK067

RCONK068

0
RCONK070

0 11.a.5.a.
RCONK071

0 11.a.5.b.

b. Not applicable

11.b.

RCONK075

c. Commercial and industrial loans.................................................

10.

RCONK041

RCONK076

RCONK077

0 11.c.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
40

(Column A) Past (Column B) Past


due 30 through due 90 days or
89 days and still more and still
accruing
accruing
Dollar amounts in thousands

(Column C)
Nonaccrual

d. Loans to individuals for household, family, and other personal


expenditures:

11.d.

RCONK078

1. Credit cards...........................................................................

RCONK079

0
RCONK081

2. Automobile loans...................................................................
3. Other (includes revolving credit plans other than credit cards
and other consumer loans)........................................................

0 11.e.3.
RCONK074

0
RCONK271

0
RCONK102

0 11.e.2.
RCONK101

RCONK073

4. Lease financing receivables..................................................

0 11.e.1.
RCONK097

RCONK100

RCONK269

0 11.e.
RCONK093

RCONK096

RCONK072

0 11.d.3.
RCONK089

RCONK092

RCONK099

f. Portion of covered loans and leases included in items 11.a through


11.e above that is protected by FDIC loss-sharing agreements.....
1. Loans restructured in troubled debt restructurings included in
Schedule RC-N, items 1 through 7, above (and not reported in Schedule
RC-C, Part 1, Memorandum item 1):

2. Loans to foreign governments and official institutions...........

0 11.d.2.
RCONK086

RCONK088

RCONK095

3. Other loans............................................................................
a. Loans to finance agricultural production and other loans
to farmers included in Schedule RC-N, item 11.e.(3),
above...................................................................................

RCONK091

0 11.d.1.
RCONK083

RCONK085

RCONK087

1. Loans to depository institutions and acceptances of other


banks.........................................................................................

0
RCONK082

RCONK084

e. All other loans and all leases.......................................................

RCONK080

0
RCONK103

0 11.e.4.
RCONK104

0 11.f.

M.1.

a. Construction, land development, and other land loans:

M.1.a.

RCONK105

1. 1-4 family residential construction loans................................


2. Other construction loans and all land development and other
land loans..................................................................................

RCONK106

0
RCONK108

b. Loans secured by 1-4 family residential properties.....................

RCONK109

RCONK110

RCONF662

RCONK111

0 M.1.a.1.

c. Secured by multifamily (5 or more) residential properties...........

RCONK107

0
RCONF661

0 M.1.a.2.
RCONF663

0
RCONK112

0 M.1.b.
RCONK113

0 M.1.c.

d. Secured by nonfarm nonresidential properties:


1. Loans secured by owner-occupied nonfarm nonresidential
properties..................................................................................

M.1.d.

RCONK114

RCONK115

0
RCONK117

2. Loans secured by other nonfarm nonresidential properties...


RCONK257

RCONK258

RCONK120

RCONK259

0 M.1.e.
RCONK122

0
RCONK124

0 M.1.d.2.

0
RCONK121

RCONK123

0 M.1.d.1.
RCONK119

1. To U.S. addressees (domicile)...............................................

RCONK116

RCONK118

e. Commercial and industrial loans.................................................

2. To non-U.S. addressees (domicile)........................................

11.e.3.a.

RCONK272

0 M.1.e.1.
RCONK125

0 M.1.e.2.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
41

(Column A) Past (Column B) Past


due 30 through due 90 days or
89 days and still more and still
accruing
accruing
Dollar amounts in thousands
f. All other loans (include loans to individuals for household, family,
and other personal expenditures)...................................................

RCONK126

RCONK127

0
RCONK130

1. Loans secured by farmland...................................................


2. Loans to depository institutions and acceptances of other
banks.........................................................................................

RCONK128

0
RCONK131

0
RCONK134

(Column C)
Nonaccrual

0 M.1.f.
RCONK132

0
RCONK135

0 M.1.f.1.
RCONK136

0 M.1.f.2.

3. Not applicable

M.1.f.3.

4. Loans to individuals for household, family, and other personal


expenditures:

M.1.f.4.

RCONK274

a. Credit cards......................................................................

RCONK275

0
RCONK277

b. Automobile loans..............................................................
c. Other (includes revolving credit plans other than credit
cards and other consumer loans)........................................

0 M.1.f.5.
RCONK288

0
RCONK139

0
RCON6558

0 M.1.f.4.c.
RCONK285

RCONK287

RCONK138

0 M.1.f.4.b.
RCONK282

RCONK284

RCONK286

0 M.1.f.4.a.
RCONK279

RCONK281

RCONK283

6. Other loans............................................................................
a. Loans to finance agricultural production and other loans
to farmers included in Schedule RC-N, Memorandum item
1.f.(6), above........................................................................
2. Loans to finance commercial real estate, construction, and land
development activities (not secured by real estate) included in Schedule
RC-N, items 4 and 7, above..................................................................

0
RCONK278

RCONK280

5. Loans to foreign governments and official institutions...........

RCONK276

0 M.1.f.6.
RCONK140

0
RCON6559

3. Not available
a. Loans secured by real estate to non-U.S. addressees (domicile)
(included in Schedule RC-N, item 1, above)...................................
b. Loans to and acceptances of foreign banks (included in Schedule
RC-N, item 2, above)......................................................................

RCON5380

c. Commercial and industrial loans to non-U.S. addressees


(domicile) (included in Schedule RC-N, item 4, above)..................

RCON1254

d. Leases to individuals for household, family, and other personal


expenditures (included in Schedule RC-N, item 8, above)..............

RCONF166

4. Loans to finance agricultural production and other loans to farmers


(included in Schedule RC-N, item 7, above).........................................

RCON1594

RCON1249

RCON1250

0
RCON5381

0 M.3.a.
RCON5382

0
RCON1255

0 M.3.b.
RCON1256

0
RCONF167

0 M.3.c.
RCONF168

0
RCON1597

608

0 M.3.d.
RCON1583

158 M.4.

5. Loans and leases held for sale and loans measured at fair value
(included in Schedule RC-N, items 1 through 8, above):

M.5.

RCONC240

RCONC241

12,203

RCONC226

75,375 M.5.a.

b. Loans measured at fair value:

M.5.b.

RCONF664

1. Fair value...............................................................................

RCONF665

0
RCONF667

2. Unpaid principal balance.......................................................

M.2.

M.3.

RCON1248

a. Loans and leases held for sale....................................................

M.1.f.6.a.

RCON6560

RCONF666

0
RCONF668

0 M.5.b.1.
RCONF669

0 M.5.b.2.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
42

Schedule RC-N - Past Due and Nonaccrual Loans Leases and Other Assets
Dollar amounts in thousands

(Column A) Past due 30 (Column B) Past due 90


through 89 days
days or more
0 RCON3530

6. Derivative contracts: Fair value of amounts carried as assets.............. RCON3529

0 M.6.

Schedule RC-N - Past Due and Nonaccrual Loans Leases and Other Assets
Dollar amounts in thousands

7. Additions to nonaccrual assets during the quarter.............................................................


8. Nonaccrual assets sold during the quarter.........................................................................

19,913 M.7.
377 M.8.

RCONC410
RCONC411

Schedule RC-N - Past Due and Nonaccrual Loans Leases and Other Assets
(Column A) Past (Column B) Past
due 30 through due 90 days or
89 days and still more and still
accruing
accruing
Dollar amounts in thousands

(Column C)
Nonaccrual

9. Purchased credit-impaired loans accounted for in accordance with


FASB ASC 310-30 (former AICPA Statement of Position 03-3):

M.9.

RCONL183

a. Outstanding balance...................................................................

RCONL184

0
RCONL186

b. Amount included in Schedule RC-N, items 1 through 7, above...

RCONL185

0
RCONL187

0 M.9.a.
RCONL188

0 M.9.b.

Schedule RC-O - Other Data for Deposit Insurance and FICO Assessments
Dollar amounts in thousands

1. Total deposit liabilities before exclusions (gross) as defined in Section 3(l) of the Federal
Deposit Insurance Act and FDIC regulations.........................................................................
2. Total allowable exclusions, including interest accrued and unpaid on allowable
exclusions...............................................................................................................................
3. Not applicable
4. Average consolidated total assets for the calendar quarter................................................
a. Averaging method used (for daily averaging, enter 1; for weekly averaging, enter 2)....
5. Average tangible equity for the calendar quarter................................................................
6. Holdings of long-term unsecured debt issued by other FDIC-insured depository
institutions..............................................................................................................................
7. Unsecured "Other borrowings" with a remaining maturity of (sum of items 7.a through 7.d
must be less than or equal to Schedule RC-M, items 5.b.(1)(a)-(d) minus item 10.b):
a. One year or less............................................................................................................
b. Over one year through three years...............................................................................
c. Over three years through five years..............................................................................
d. Over five years..............................................................................................................
8. Subordinated notes and debentures with a remaining maturity of (sum of items 8.a through
8.d must equal Schedule RC, item 19):
a. One year or less............................................................................................................
b. Over one year through three years...............................................................................
c. Over three years through five years..............................................................................
d. Over five years..............................................................................................................
9. Reciprocal brokered deposits (included in Schedule RC-E, part I, Memorandum item
1.b).........................................................................................................................................
a. Fully consolidated reciprocal brokered deposits...........................................................

RCONF236

18,215,185
1.

RCONF237

0
2.
3.

RCONK653

23,332,901 4.
1 4.a.

RCONK654

3,665,715 5.

RCONK652

RCONK655

0
6.
7.

RCONG465
RCONG466
RCONG467
RCONG468

46,799 7.a.
0 7.b.
0 7.c.
0 7.d.
8.

RCONG469
RCONG470

0 8.a.
0 8.b.

RCONG472

0 8.c.
0 8.d.

RCONG803

RCONG471

9.

RCONL190

NR 9.a.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
43

Dollar amounts in thousands

10. Banker's bank certification: Does the reporting institution meet both the statutory definition
of a banker's bank and the business conduct test set forth in FDIC regulations? If the answer
to item 10 is "YES," complete items 10.a and 10.b................................................................
a. Banker's bank deduction...............................................................................................
b. Banker's bank deduction limit.......................................................................................
11. Custodial bank certification: Does the reporting institution meet the definition of a custodial
bank set forth in FDIC regulations? If the answer to item 11 is "YES," complete items 11.a
and 11.b.................................................................................................................................
a. Custodial bank deduction.............................................................................................
b. Custodial bank deduction limit......................................................................................
1. Total deposit liabilities of the bank (including related interest accrued and unpaid) less
allowable exclusions (including related interest accrued and unpaid) (sum of Memorandum
items 1.a.(1), 1.b.(1), 1.c.(1), and 1.d.(1) must equal Schedule RC-O, item 1 less item 2):
a. Deposit accounts (excluding retirement accounts) of $250,000 or less:
1. Amount of deposit accounts (excluding retirement accounts) of $250,000 or less..
2. Number of deposit accounts (excluding retirement accounts) of $250,000 or less..
b. Deposit accounts (excluding retirement accounts) of more than $250,000:
1. Amount of deposit accounts (excluding retirement accounts) of more than
$250,000.....................................................................................................................
2. Number of deposit accounts (excluding retirement accounts) of more than
$250,000.....................................................................................................................
c. Retirement deposit accounts of $250,000 or less:
1. Amount of retirement deposit accounts of $250,000 or less...................................
2. Number of retirement deposit accounts of $250,000 or less...................................
d. Retirement deposit accounts of more than $250,000:
1. Amount of retirement deposit accounts of more than $250,000.............................
2. Number of retirement deposit accounts of more than $250,000.............................
2. Estimated amount of uninsured deposits, including related interest accrued and unpaid
(see instructions)....................................................................................................................
3. Has the reporting institution been consolidated with a parent bank or savings association
in that parent bank's or parent savings association's Call Report? If so, report the legal title
and FDIC Certificate Number of the parent bank or parent savings association:
a. Legal title......................................................................................................................
b. FDIC Certificate Number..............................................................................................
4. Not applicable
5. Not applicable
6. Criticized and classified items:
a. Special mention............................................................................................................
b. Substandard..................................................................................................................
c. Doubtful.........................................................................................................................
d. Loss..............................................................................................................................
7. "Nontraditional 1-4 family residential mortgage loans" as defined for assessment purposes
only in FDIC regulations:
a. Nontraditional 1-4 family residential mortgage loans....................................................
b. Securitizations of nontraditional 1-4 family residential mortgage loans........................
8. "Higher-risk consumer loans" as defined for assessment purposes only in FDIC regulations:
a. Higher-risk consumer loans..........................................................................................
b. Securitizations of higher-risk consumer loans..............................................................
9. "Higher-risk commercial and industrial loans and securities" as defined for assessment
purposes only in FDIC regulations:
a. Higher-risk commercial and industrial loans and securities..........................................
b. Securitizations of higher-risk commercial and industrial loans and securities..............

RCONK656

No

RCONK657
RCONK658

NR 10.a.
NR 10.b.

RCONK659

No

RCONK660

NR 11.a.
NR 11.b.

10.

11.

RCONK661

M.1.
M.1.a.

RCONF049
RCONF050

14,720,243 M.1.a.1.
129482 M.1.a.2.
M.1.b.

RCONF051

3,494,942
M.1.b.1.

RCONF052

8040
M.1.b.2.
M.1.c.

RCONF045
RCONF046

0 M.1.c.1.
0 M.1.c.2.
M.1.d.

RCONF047
RCONF048
RCON5597

0 M.1.d.1.
0 M.1.d.2.
1,196,211
M.2.

M.3.

TEXTA545
RCONA545

NR M.3.a.
0 M.3.b.
M.4.
M.5.
M.6.

RCONK663
RCONK664
RCONK665
RCONK666

CONF M.6.a.
CONF M.6.b.
CONF M.6.c.
CONF M.6.d.
M.7.

RCONN025
RCONN026

CONF M.7.a.
CONF M.7.b.
M.8.

RCONN027
RCONN028

CONF M.8.a.
CONF M.8.b.
M.9.

RCONN029
RCONN030

CONF M.9.a.
CONF M.9.b.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
44

Dollar amounts in thousands

10. Commitments to fund construction, land development, and other land loans secured by
real estate:
a. Total unfunded commitments........................................................................................
b. Portion of unfunded commitments guaranteed or insured by the U.S. government
(including the FDIC)..........................................................................................................
11. Amount of other real estate owned recoverable from the U.S. government under guarantee
or insurance provisions (excluding FDIC loss-sharing agreements)......................................
12. Nonbrokered time deposits of more than $250,000 (included in Schedule RC-E,
Memorandum item 2.d)..........................................................................................................
13. Portion of funded loans and securities guaranteed or insured by the U.S. government
(including FDIC loss-sharing agreements):
a. Construction, land development, and other land loans secured by real estate............
b. Loans secured by multifamily residential and nonfarm nonresidential properties.........
c. Closed-end loans secured by first liens on 1-4 family residential properties................
d. Closed-end loans secured by junior liens on 1-4 family residential properties and
revolving, open-end loans secured by 1-4 family residential properties and extended
under lines of credit..........................................................................................................
e. Commercial and industrial loans...................................................................................
f. Credit card loans to individuals for household, family, and other personal expenditures.
g. All other loans to individuals for household, family, and other personal expenditures...
h. Non-agency residential mortgage-backed securities....................................................
14. Amount of the institution's largest counterparty exposure................................................
15. Total amount of the institution's 20 largest counterparty exposures.................................
16. Portion of loans restructured in troubled debt restructurings that are in compliance with
their modified terms and are guaranteed or insured by the U.S. government (including the
FDIC) (included in Schedule RC-C, part I, Memorandum item 1)..........................................
17. Selected fully consolidated data for deposit insurance assessment purposes:
a. Total deposit liabilities before exclusions (gross) as defined in Section 3(l) of the Federal
Deposit Insurance Act and FDIC regulations...................................................................
b. Total allowable exclusions, including interest accrued and unpaid on allowable
exclusions.........................................................................................................................
c. Unsecured "Other borrowings" with a remaining maturity of one year or less..............
d. Estimated amount of uninsured deposits, including related interest accrued and
unpaid...............................................................................................................................

M.10.

RCONK676
RCONK677

677 M.10.a.
0
M.10.b.

RCONK669

0
M.11.

RCONK678

572,555
M.12.
M.13.

RCONN178

0 M.13.a.
0 M.13.b.

RCONN179

0 M.13.c.

RCONN180

RCONN181

0 M.13.e.
0 M.13.f.

RCONN177

M.13.d.

RCONN182
RCONN183
RCONM963

0 M.13.g.
0 M.13.h.

RCONK674

CONF M.14.
CONF M.15.

RCONL189

RCONK673

M.16.
M.17.

RCONL194

NR
M.17.a.

RCONL195

NR

RCONL196

NR M.17.c.

RCONL197

NR

M.17.b.

M.17.d.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
45

Schedule RC-O - Other Data for Deposit Insurance and FICO Assessments
(Column
A)
Two-Year
Probability
of
Default
(PD) <=
1%
Dollar amounts in thousands
18. Outstanding balance of 1-4
family residential mortgage loans,
consumer loans, and consumer
leases by two-year probability of
default:
RCONM964
a. "Nontraditional 1-4 family
residential mortgage loans" as
defined for assessment
CONF
purposes only in FDIC
regulations................................
b. Closed-end loans secured by RCONM979
first liens on 1-4 family
CONF
residential properties................
c. Closed-end loans secured by RCONM994
junior liens on 1-4 family
CONF
residential properties................
d. Revolving, open-end loans RCONN010
secured by 1-4 family residential
properties and extended under
CONF
lines of credit............................

(Column
B)
Two-Year
Probability
of
Default
(PD)
1.014%

(Column
C)
Two-Year
Probability
of
Default
(PD)
4.017%

(Column
D)
Two-Year
Probability
of
Default
(PD)
7.0110%

(Column
E)
Two-Year
Probability
of
Default
(PD)
10.0114%

(Column
F)
Two-Year
Probability
of
Default
(PD)
14.0116%

(Column
G)
Two-Year
Probability
of
Default
(PD)
16.0118%

(Column
H)
Two-Year
Probability
of
Default
(PD)
18.0120%

(Column
I)
Two-Year
Probability
of
Default
(PD)
20.0122%

(Column
J)
Two-Year
Probability
of
Default
(PD)
22.0126%

(Column
K)
Two-Year
Probability
of
Default
(PD)
26.0130%

(Column
L)
Two-Year
Probability
of
Default
(PD) >
30%

(Column
M)
Two-Year
Probability
of
Default
(PD)
Unscoreable

(Column
N)
Two-Year
Probability
of
Default
(PD)
Total

(Column
O) PDs
Were
Derived
Using

M.18.

RCONM965 RCONM966 RCONM967 RCONM968 RCONM969 RCONM970 RCONM971 RCONM972 RCONM973 RCONM974 RCONM975 RCONM976 RCONM977 RCONM978

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF
M1
.8a
..

RCONM980 RCONM981 RCONM982 RCONM983 RCONM984 RCONM985 RCONM986 RCONM987 RCONM988 RCONM989 RCONM990 RCONM991 RCONM992 RCONM993

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

M1
.8b
..

RCONM995 RCONM996 RCONM997 RCONM998 RCONM999 RCONN001 RCONN002 RCONN003 RCONN004 RCONN005 RCONN006 RCONN007 RCONN008 RCONN009

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

M1
.8c..

RCONN011 RCONN012 RCONN013 RCONN014 RCONN015 RCONN016 RCONN017 RCONN018 RCONN019 RCONN020 RCONN021 RCONN022 RCONN023 RCONN024

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF
M1
.8d
..

RCONN040 RCONN041 RCONN042 RCONN043 RCONN044 RCONN045 RCONN046 RCONN047 RCONN048 RCONN049 RCONN050 RCONN051 RCONN052 RCONN053 RCONN054

e. Credit cards..........................

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF M1.8e..

RCONN055 RCONN056 RCONN057 RCONN058 RCONN059 RCONN060 RCONN061 RCONN062 RCONN063 RCONN064 RCONN065 RCONN066 RCONN067 RCONN068 RCONN069

f. Automobile loans...................

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF M.18.f

RCONN070 RCONN071 RCONN072 RCONN073 RCONN074 RCONN075 RCONN076 RCONN077 RCONN078 RCONN079 RCONN080 RCONN081 RCONN082 RCONN083 RCONN084

CONF CONF CONF CONF CONF CONF CONF CONF CONF CONF CONF CONF CONF CONF CONF
g. Student loans.......................
h. Other consumer loans and RCONN085 RCONN086 RCONN087 RCONN088 RCONN089 RCONN090 RCONN091 RCONN092 RCONN093 RCONN094 RCONN095 RCONN096 RCONN097 RCONN098 RCONN099
revolving credit plans other than
CONF CONF CONF CONF CONF CONF CONF CONF CONF CONF CONF CONF CONF CONF CONF
credit cards...............................

M1
.8g
..

M1
.8h
..

RCONN100 RCONN101 RCONN102 RCONN103 RCONN104 RCONN105 RCONN106 RCONN107 RCONN108 RCONN109 RCONN110 RCONN111 RCONN112 RCONN113 RCONN114

i. Consumer leases...................

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF M.18.i

RCONN115 RCONN116 RCONN117 RCONN118 RCONN119 RCONN120 RCONN121 RCONN122 RCONN123 RCONN124 RCONN125 RCONN126 RCONN127 RCONN128

j. Total.......................................

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

CONF

M.18.j

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
46

Schedule RC-P - 1-4 Family Residential Mortgage Banking Activities


Dollar amounts in thousands

1. Retail originations during the quarter of 1-4 family residential mortgage loans for sale:
a. Closed-end first liens....................................................................................................
b. Closed-end junior liens.................................................................................................
c. Open-end loans extended under lines of credit:
1. Total commitment under the lines of credit..............................................................
2. Principal amount funded under the lines of credit...................................................
2. Wholesale originations and purchases during the quarter of 1-4 family residential mortgage
loans for sale:
a. Closed-end first liens....................................................................................................
b. Closed-end junior liens.................................................................................................
c. Open-end loans extended under lines of credit:
1. Total commitment under the lines of credit..............................................................
2. Principal amount funded under the lines of credit...................................................
3. 1-4 family residential mortgages sold during the quarter:
a. Closed-end first liens....................................................................................................
b. Closed-end junior liens.................................................................................................
c. Open-end loans extended under lines of credit:
1. Total commitment under the lines of credit..............................................................
2. Principal amount funded under the lines of credit...................................................
4. 1-4 family residential mortgages held for sale at quarter-end (included in Schedule RC,
item 4.a):
a. Closed-end first liens....................................................................................................
b. Closed-end junior liens.................................................................................................
c. Open-end loans extended under lines of credit:
1. Total commitment under the lines of credit..............................................................
2. Principal amount funded under the lines of credit...................................................
5. Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family
residential mortgage loans (included in Schedule RI, items 5.c, 5.f, 5.g, and 5.i):
a. Closed-end 1-4 family residential mortgage loans........................................................
b. Open-end 1-4 family residential mortgage loans extended under lines of credit..........
6. Repurchases and indemnifications of 1-4 family residential mortgage loans during the
quarter:
a. Closed-end first liens....................................................................................................
b. Closed-end junior liens.................................................................................................
c. Open-end loans extended under line of credit:
1. Total commitment under the lines of credit..............................................................
2. Principal amount funded under the lines of credit...................................................
7. Representation and warranty reserves for 1-4 family residential mortgage loans sold:
a. For representations and warranties made to U.S. government agencies and
government-sponsored agencies.....................................................................................
b. For representations and warranties made to other parties...........................................
c. Total representation and warranty reserves (sum of items 7.a and 7.b).......................

1.

RCONF066
RCONF067

0 1.a.
0 1.b.
1.c.

RCONF670
RCONF671

0 1.c.1.
0 1.c.2.
2.

RCONF068
RCONF069

0 2.a.
0 2.b.
2.c.

RCONF672
RCONF673

0 2.c.1.
0 2.c.2.
3.

RCONF070
RCONF071

0 3.a.
0 3.b.
3.c.

RCONF674
RCONF675

0 3.c.1.
0 3.c.2.
4.

RCONF072
RCONF073

0 4.a.
0 4.b.
4.c.

RCONF676
RCONF677

0 4.c.1.
0 4.c.2.
5.

RIADF184
RIADF560

0 5.a.
0 5.b.
6.

RCONF678
RCONF679

0 6.a.
0 6.b.
6.c.

RCONF680
RCONF681

0 6.c.1.
0 6.c.2.
7.

RCONL191

CONF

RCONL192

CONF 7.b.
0 7.c.

7.a.

RCONM288

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
47

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
(Column A) Total
(Column B)
(Column C) Level (Column D) Level (Column E) Level
Fair Value
LESS: Amounts
1 Fair Value
2 Fair Value
3 Fair Value
Reported on
Netted in the
Measurements Measurements Measurements
Schedule RC Determination of
Total Fair Value
Dollar amounts in thousands
RCON1773

1. Available-for-sale securities....................................................................
2. Federal funds sold and securities purchased under agreements to
resell...........................................................................................................

RCONG474

87,111
RCONG478

0
RCONG479

0
RCONG483

3. Loans and leases held for sale...............................................................

RCONG484

RCONG488

RCONG485

RCONG489

83,613

RCONG486

RCONG490

3,498 1.
RCONG482

RCONG477

RCONG481

RCONG476

RCONG480

4. Loans and leases held for investment.....................................................

RCONG475

0 2.
RCONG487

0
RCONG491

0 3.
RCONG492

0 4.

5. Trading assets:

5.

RCON3543

a. Derivative assets...............................................................................

RCONG493

0
RCONG497

b. Other trading assets..........................................................................


1. Nontrading securities at fair value with changes in fair value
reported in current earnings (included in Schedule RC-Q, item 5.b,
above).............................................................................................

RCONG498

RCONF240

9. Federal funds purchased and securities sold under agreements to


repurchase..................................................................................................

0
RCONG507

0
83,613

0 6.
3,498 7.
RCONF254

0
RCONG510

0 8.
RCONG511

0 9.

10. Trading liabilities:

10.

RCON3547

a. Derivative liabilities............................................................................

RCONG512

0
RCONG516

b. Other trading liabilities.......................................................................

5.b.1.

RCONG506

RCONF253

RCONG509

0
RCONG804

RCONG505

RCONF694

RCONG508

0 5.b.
RCONF242

RCONG396

RCONG504

RCONF686

RCONG501

RCONF241

RCONG395

0 5.a.

87,111
RCONF252

RCONG500

RCONF692

RCONG503

RCONG496

8. Deposits..................................................................................................

RCONG499

RCONG392

RCONG502

RCONG495

0
RCONF684

RCONG391

7. Total assets measured at fair value on a recurring basis (sum of items


1 through 5.b plus item 6)...........................................................................

6. All other assets.......................................................................................

RCONG494

RCONG513

0
RCONG517

RCONG514

0
RCONG518

RCONG515

0
RCONG519

0 10.a.
RCONG520

0 10.b.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
48

(Column A) Total
(Column B)
(Column C) Level (Column D) Level (Column E) Level
Fair Value
LESS: Amounts
1 Fair Value
2 Fair Value
3 Fair Value
Reported on
Netted in the
Measurements Measurements Measurements
Schedule RC Determination of
Total Fair Value
Dollar amounts in thousands
RCONG521

11. Other borrowed money.........................................................................

RCONG522

0
RCONG526

12. Subordinated notes and debentures.....................................................

RCONG527

0
RCONG805

13. All other liabilities..................................................................................


14. Total liabilities measured at fair value on a recurring basis (sum of items
8 through 13)..............................................................................................

RCONG523

0
RCONG528

0
RCONG806

0
RCONG531

3,175

RCONG529

RCONG533

RCONG530

0 12.
RCONG809

3,175
RCONG534

0 11.

0
RCONG808

3,175

RCONG525

0
RCONG807

RCONG532

RCONG524

0 13.
RCONG535

3,175

0 14.

1. All other assets (itemize and describe amounts included in Schedule


RC-Q, item 6, that are greater than $25,000 and exceed 25% of item 6):

M.1.

RCONG536

a. Mortgage servicing assets................................................................

RCONG537

0
RCONG541

b. Nontrading derivative assets.............................................................

RCONG538

0
RCONG542

RCONG539

0
RCONG543

RCONG540

0
RCONG544

0 M.1.a.
RCONG545

0 M.1.b.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
49

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
Dollar amounts in thousands

c. Disclose component and the dollar amount of that component:


1. Describe component..........................................................................................................

M.1.c.

TEXTG546

NR M.1.c.1.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
50

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
(Column A) Total
(Column B)
(Column C) Level (Column D) Level (Column E) Level
Fair Value
LESS: Amounts
1 Fair Value
2 Fair Value
3 Fair Value
Reported on
Netted in the
Measurements Measurements Measurements
Schedule RC Determination of
Total Fair Value
Dollar amounts in thousands
RCONG546

2. Amount of component.............................................................................

RCONG547

RCONG548

RCONG549

RCONG550

0 M.1.c.2.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
51

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
Dollar amounts in thousands

d. Disclose component and the dollar amount of that component:


1. Describe component..........................................................................................................

M.1.d.

TEXTG551

NR M.1.d.1.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
52

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
(Column A) Total
(Column B)
(Column C) Level (Column D) Level (Column E) Level
Fair Value
LESS: Amounts
1 Fair Value
2 Fair Value
3 Fair Value
Reported on
Netted in the
Measurements Measurements Measurements
Schedule RC Determination of
Total Fair Value
Dollar amounts in thousands
RCONG551

2. Amount of component.............................................................................

RCONG552

RCONG553

RCONG554

RCONG555

0 M.1.d.2.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
53

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
Dollar amounts in thousands

e. Disclose component and the dollar amount of that component:


1. Describe component..........................................................................................................

M.1.e.

TEXTG556

NR M.1.e.1.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
54

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
(Column A) Total
(Column B)
(Column C) Level (Column D) Level (Column E) Level
Fair Value
LESS: Amounts
1 Fair Value
2 Fair Value
3 Fair Value
Reported on
Netted in the
Measurements Measurements Measurements
Schedule RC Determination of
Total Fair Value
Dollar amounts in thousands
RCONG556

2. Amount of component.............................................................................

RCONG557

RCONG558

RCONG559

RCONG560

0 M.1.e.2.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
55

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
Dollar amounts in thousands

f. Disclose component and the dollar amount of that component:


1. Describe component..........................................................................................................

M.1.f.

TEXTG561

NR M.1.f.1.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
56

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
(Column A) Total
(Column B)
(Column C) Level (Column D) Level (Column E) Level
Fair Value
LESS: Amounts
1 Fair Value
2 Fair Value
3 Fair Value
Reported on
Netted in the
Measurements Measurements Measurements
Schedule RC Determination of
Total Fair Value
Dollar amounts in thousands
RCONG561

2. Amount of component.............................................................................

RCONG562

RCONG563

RCONG564

RCONG565

0 M.1.f.2.

2. All other liabilities (itemize and describe amounts included in Schedule


RC-Q, item 13, that are greater than $25,000 and exceed 25% of item 13):

M.2.

RCONF261

a. Loan commitments (not accounted for as derivatives)......................

RCONF689

0
RCONG566

b. Nontrading derivative liabilities..........................................................

RCONF697

0
RCONG567

3,175

RCONF262

0
RCONG568

RCONF263

0
RCONG569

3,175

0 M.2.a.
RCONG570

0 M.2.b.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
57

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
Dollar amounts in thousands

c. Disclose component and the dollar amount of that component:


1. Describe component..........................................................................................................

M.2.c.

TEXTG571

NR M.2.c.1.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
58

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
(Column A) Total
(Column B)
(Column C) Level (Column D) Level (Column E) Level
Fair Value
LESS: Amounts
1 Fair Value
2 Fair Value
3 Fair Value
Reported on
Netted in the
Measurements Measurements Measurements
Schedule RC Determination of
Total Fair Value
Dollar amounts in thousands
RCONG571

2. Amount of component.............................................................................

RCONG572

RCONG573

RCONG574

RCONG575

0 M.2.c.2.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
59

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
Dollar amounts in thousands

d. Disclose component and the dollar amount of that component:


1. Describe component..........................................................................................................

M.2.d.

TEXTG576

NR M.2.d.1.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
60

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
(Column A) Total
(Column B)
(Column C) Level (Column D) Level (Column E) Level
Fair Value
LESS: Amounts
1 Fair Value
2 Fair Value
3 Fair Value
Reported on
Netted in the
Measurements Measurements Measurements
Schedule RC Determination of
Total Fair Value
Dollar amounts in thousands
RCONG576

2. Amount of component.............................................................................

RCONG577

RCONG578

RCONG579

RCONG580

0 M.2.d.2.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
61

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
Dollar amounts in thousands

e. Disclose component and the dollar amount of that component:


1. Describe component..........................................................................................................

M.2.e.

TEXTG581

NR M.2.e.1.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
62

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
(Column A) Total
(Column B)
(Column C) Level (Column D) Level (Column E) Level
Fair Value
LESS: Amounts
1 Fair Value
2 Fair Value
3 Fair Value
Reported on
Netted in the
Measurements Measurements Measurements
Schedule RC Determination of
Total Fair Value
Dollar amounts in thousands
RCONG581

2. Amount of component.............................................................................

RCONG582

RCONG583

RCONG584

RCONG585

0 M.2.e.2.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
63

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
Dollar amounts in thousands

f. Disclose component and the dollar amount of that component:


1. Describe component..........................................................................................................

M.2.f.

TEXTG586

NR M.2.f.1.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
64

Schedule RC-Q - Assets and Liabilities Measured at Fair Value on a Recurring Basis
(Column A) Total
(Column B)
(Column C) Level (Column D) Level (Column E) Level
Fair Value
LESS: Amounts
1 Fair Value
2 Fair Value
3 Fair Value
Reported on
Netted in the
Measurements Measurements Measurements
Schedule RC Determination of
Total Fair Value
Dollar amounts in thousands
RCONG586

2. Amount of component.............................................................................

RCONG587

RCONG588

RCONG589

RCONG590

0 M.2.f.2.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
65

Schedule RC-R Part I - Regulatory Capital Components and Ratios


Dollar amounts in thousands

1. Common stock plus related surplus, net of treasury stock and unearned employee stock
ownership plan (ESOP) shares..............................................................................................
2. Retained earnings..............................................................................................................
3. Accumulated other comprehensive income (AOCI)............................................................
a. AOCI opt-out election (enter "1" for Yes; enter "0" for No.) (Advanced approaches
institutions must enter "0" for No.)....................................................................................
4. Common equity tier 1 minority interest includable in common equity tier 1 capital............
5. Common equity tier 1 capital before adjustments and deductions (sum of items 1 through
4)............................................................................................................................................
6. LESS: Goodwill net of associated deferred tax liabilities (DTLs)........................................
7. LESS: Intangible assets (other than goodwill and mortgage servicing assets (MSAs)), net
of associated DTLs.................................................................................................................
8. LESS: Deferred tax assets (DTAs) that arise from net operating loss and tax credit
carryforwards, net of any related valuation allowances and net of DTLs...............................
9. AOCI-related adjustments (items 9.a through 9.e are effective January 1, 2015) (if entered
"1" for Yes in item 3.a, complete only items 9.a through 9.e; if entered "0" for No in item 3.a,
complete only item 9.f):
a. LESS: Net unrealized gains (losses) on available-for-sale securities (if a gain, report
as a positive value; if a loss, report as a negative value)..................................................
b. LESS: Net unrealized loss on available-for-sale preferred stock classified as an equity
security under GAAP and available-for-sale equity exposures (report loss as a positive
value)................................................................................................................................
c. LESS: Accumulated net gains (losses) on cash flow hedges (if a gain, report as a
positive value; if a loss, report as a negative value)..........................................................
d. LESS: Amounts recorded in AOCI attributed to defined benefit postretirement plans
resulting from the initial and subsequent application of the relevant GAAP standards that
pertain to such plans (if a gain, report as a positive value; if a loss, report as a negative
value)................................................................................................................................
e. LESS: Net unrealized gains (losses) on held-to-maturity securities that are included
in AOCI (if a gain, report as a positive value; if a loss, report as a negative value)..........
f. LESS: Accumulated net gain (loss) on cash flow hedges included in AOCI, net of
applicable income taxes, that relate to the hedging of items that are not recognized at
fair value on the balance sheet (if a gain, report as a positive value; if a loss, report as
a negative value) (To be completed only by institutions that entered "0" for No in item
3.a)...................................................................................................................................
10. Other deductions from (additions to) common equity tier 1 capital before threshold-based
deductions:
a. LESS: Unrealized net gain (loss) related to changes in the fair value of liabilities that
are due to changes in own credit risk (if a gain, report as a positive value; if a loss, report
as a negative value)..........................................................................................................
b. LESS: All other deductions from (additions to) common equity tier 1 capital before
threshold-based deductions.............................................................................................
11. LESS: Non-significant investments in the capital of unconsolidated financial institutions
in the form of common stock that exceed the 10 percent threshold for non-significant
investments............................................................................................................................
12. Subtotal (item 5 minus items 6 through 11)......................................................................
13. LESS: Significant investments in the capital of unconsolidated financial institutions in
the form of common stock, net of associated DTLs, that exceed the 10 percent common
equity tier 1 capital deduction threshold.................................................................................
14. LESS: MSAs, net of associated DTLs, that exceed the 10 percent common equity tier 1
capital deduction threshold.....................................................................................................
15. LESS: DTAs arising from temporary differences that could not be realized through net
operating loss carrybacks, net of related valuation allowances and net of DTLs, that exceed
the 10 percent common equity tier 1 capital deduction threshold..........................................

RCOAP742

2,747,641
1.

RCON3632
RCOAB530

866,634 2.
-576 3.

RCOAP838

RCOAP839

0 4.

3.a.

RCOAP840

3,613,699
5.

RCOAP841

0 6.

RCOAP842

0
7.

RCOAP843

0
8.

9.

RCOAP844

NR
9.a.

RCOAP845

NR
9.b.

RCOAP846

NR
9.c.

RCOAP847

NR
9.d.

RCOAP848

NR
9.e.

RCOAP849

0
9.f.
10.

RCOAQ258

0
10.a.

RCOAP850

0
10.b.

RCOAP851

0
11.

RCOAP852
RCOAP853

3,613,699 12.
0
13.

RCOAP854

0
14.

RCOAP855

0
15.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
66

Dollar amounts in thousands

16. LESS: Amount of significant investments in the capital of unconsolidated financial


institutions in the form of common stock, net of associated DTLs; MSAs, net of associated
DTLs; and DTAs arising from temporary differences that could not be realized through net
operating loss carrybacks, net of related valuation allowances and net of DTLs; that exceeds
the 15 percent common equity tier 1 capital deduction threshold..........................................
17. LESS: Deductions applied to common equity tier 1 capital due to insufficient amounts
of additional tier 1 capital and tier 2 capital to cover deductions............................................
18. Total adjustments and deductions for common equity tier 1 capital (sum of items 13
through 17).............................................................................................................................
19. Common equity tier 1 capital (item 12 minus item 18).....................................................
20. Additional tier 1 capital instruments plus related surplus.................................................
21. Non-qualifying capital instruments subject to phase out from additional tier 1 capital .....
22. Tier 1 minority interest not included in common equity tier 1 capital................................
23. Additional tier 1 capital before deductions (sum of items 20, 21, and 22)........................
24. LESS: Additional tier 1 capital deductions........................................................................
25. Additional tier 1 capital (greater of item 23 minus item 24, or zero).................................
26. Tier 1 capital (sum of items 19 and 25)............................................................................
27. Tier 2 capital instruments plus related surplus.................................................................
28. Non-qualifying capital instruments subject to phase out from tier 2 capital......................
29. Total capital minority interest that is not included in tier 1 capital.....................................
30. Allowance for loan and lease losses and eligible credit reserves includable in tier 2 capital
a. Allowance for loan and lease losses includable in tier 2 capital....................................
b. (Advanced approaches institutions that exit parallel run only): Eligible credit reserves
includable in tier 2 capital.................................................................................................
31. Unrealized gains on available-for-sale preferred stock classified as an equity security
under GAAP and available-for-sale equity exposures includable in tier 2 capital...................
32. Tier 2 capital before deductions
a. Tier 2 capital before deductions (sum of items 27 through 30.a, plus item 31).............
b. (Advanced approaches institutions that exit parallel run only): Tier 2 capital before
deductions (sum of items 27 through 29, plus items 30.b and 31)...................................
33. LESS: Tier 2 capital deductions........................................................................................
34. Tier 2 capital
a. Tier 2 capital (greater of item 32.a minus item 33, or zero)..........................................
b. (Advanced approaches institutions that exit parallel run only): Tier 2 capital (greater
of item 32.b minus item 33, or zero).................................................................................
35. Total capital
a. Total capital (sum of items 26 and 34.a).......................................................................
b. (Advanced approaches institutions that exit parallel run only): Total capital (sum of
items 26 and 34.b)............................................................................................................
36. Average total consolidated assets....................................................................................
37. LESS: Deductions from common equity tier 1 capital and additional tier 1 capital (sum
of items 6, 7, 8, 10.b, 11, 13 through 17, and certain elements of item 24 - see instructions).
38. LESS: Other deductions from (additions to) assets for leverage ratio purposes..............
39. Total assets for the leverage ratio (item 36 minus items 37 and 38).................................
40. Total risk-weighted assets
a. Total risk-weighted assets (from Schedule RC-R, Part II, item 31)...............................
b. (Advanced approaches institutions that exit parallel run only): Total risk-weighted
assets using advanced approaches rule (from FFIEC 101 Schedule A, item 60)............

RCOAP856

0
16.

RCOAP857

0
17.

RCOAP858

0
18.

RCOAP859
RCOAP860
RCOAP861
RCOAP862
RCOAP863
RCOAP864

3,613,699 19.
0 20.
0 21.
0 22.
0 23.
0 24.

RCOAP865

0 25.

RCOA8274

3,613,699 26.
0 27.

RCOAP866

RCOAP868

0 28.
0 29.

RCOA5310

0 30.a.

RCOAP867

30.

RCOW5310

NR
30.b.

RCOAQ257

0
31.
32.

RCOAP870
RCOWP870

0 32.a.
NR
32.b.

RCOAP872

0 33.

RCOA5311

0 34.a.

34.

RCOW5311

NR
34.b.
35.

RCOA3792
RCOW3792

3,613,699 35.a.
NR
35.b.

RCON3368
RCOAP875

23,332,901 36.
0
37.

RCOAA224

0 38.
23,332,901 39.

RCOAA223

19,046,358 40.a.

RCOAB596

40.

RCOWA223

NR
40.b.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
67

Schedule RC-R Part I - Regulatory Capital Components and Ratios


Dollar amounts in thousands (Column A) Percentage
41. Common equity tier 1 capital ratio (Column A: item 19 divided by item
18.97%
40.a) (Advanced approaches institutions that exit parallel run only: Column RCOAP793
B: item 19 divided by item 40.b)................................................................
42. Tier 1 capital ratio (Column A: item 26 divided by item 40.a) (Advanced
RCOA7206
18.97%
approaches institutions that exit parallel run only: Column B: item 26
divided by item 40.b).................................................................................
43. Total capital ratio (Column A: item 35.a divided by item 40.a)
18.97%
(Advanced approaches institutions that exit parallel run only: Column B: RCOA7205
item 35.b divided by item 40.b).................................................................

(Column B) Percentage
RCOWP793

NR
41.

RCOW7206

NR
42.

RCOW7205

NR
43.

Schedule RC-R Part I - Regulatory Capital Components and Ratios


Dollar amounts in thousands

44. Tier 1 leverage ratio (item 26 divided by item 39).............................................................


45. Advanced approaches institutions only: Supplementary leverage ratio (from FFIEC 101
Schedule A, item 98) (effective date to be determined)
46. Institution-specific capital buffer necessary to avoid limitations on distributions and
discretionary bonus payments (effective January 1, 2016):
a. Capital conservation buffer
b. (Advanced approaches institutions that exit parallel run only): Total applicable capital
buffer
47. Eligible retained income (effective January 1, 2016)
48. Distributions and discretionary bonus payments during the quarter (effective January 1,
2016)

RCOA7204

15.49% 44.
45.
46.
46.a.
46.b.
47.
48.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
68

Schedule RC-R Part II - Risk-Weighted Assets


(Column A)
Totals from
Schedule
RC
Dollar amounts in thousands

(Column B)
Adjustments
to Totals
Reported
in Column
A

(Column C)
Allocation
by
Risk-Weight
Category
0%

RCOND957 RCONS396 RCOND958


1. Cash and balances due from depository
0 4,267,634
institutions.......................................................... 4,362,515

(Column D)
Allocation
by
Risk-Weight
Category
2%

(Column E)
Allocation
by
Risk-Weight
Category
4%

(Column F)
Allocation
by
Risk-Weight
Category
10%

(Column G)
Allocation
by
Risk-Weight
Category
20%

(Column H)
Allocation
by
Risk-Weight
Category
50%

(Column I)
Allocation
by
Risk-Weight
Category
100%

(Column J)
Allocation
by
Risk-Weight
Category
150%

RCOND959

RCONS397

RCOND960

RCONS398

94,881

0 1.

2. Securities:

2.

RCOND961

a. Held-to-maturity securities.......................

0
RCOND966

b. Available-for-sale securities......................

87,110

RCONS399

0
RCONS402

RCOND962

0
RCOND967

22,919

RCOND963

0
RCOND968

29,185

RCOND964

0
RCOND969

31,508

RCOND965

0
RCOND970

3,498

RCONS400

0 2.a.
RCONS403

0 2.b.

3. Federal funds sold and securities purchased


under agreements to resell:

3.

RCOND971

a. Federal funds sold....................................


b. Securities purchased under agreements
to resell........................................................

RCOND972

0
RCONH171

RCOND973

RCONS410

RCOND974

RCONS411

0 3.a.

RCONH172

3.b.

4. Loans and leases held for sale:

4.

RCONS413

a. Residential mortgage exposures..............

RCONS414

RCONH173

RCONS419 RCONS420 RCONH174


b. High volatility commercial real estate
0
0
0
exposures....................................................

c. Exposures past due 90 days or more or


on nonaccrual..............................................

RCONS423

48,256

RCONS424

RCONS425

RCONS415

0
RCONH175

0
RCONS426

RCONS416

0
RCONH176

0
RCONS427

RCONS417

0
RCONH177

0
RCONS428

4.a.

RCONS421

0 4.b.
RCONS429

48,256 4.c.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
69

Schedule RC-R Part II - Risk-Weighted Assets


(Column K)
Allocation
by
Risk-Weight
Category
250%

(Column L)
Allocation
by
Risk-Weight
Category
300%

(Column M)
Allocation
by
Risk-Weight
Category
400%

(Column N)
Allocation
by
Risk-Weight
Category
600%

(Column O)
Allocation
by
Risk-Weight
Category
625%

(Column P)
Allocation
by
Risk-Weight
Category
937.5%

(Column Q)
Allocation
by
Risk-Weight
Category
1,250%

(Column R)
Application
of Other
Risk-Weighting
Approaches
Exposure
Amount

Dollar amounts in thousands

(Column S)
Application
of Other
Risk-Weighting
Approaches
Risk-Weighted
Asset
Amount

1. Cash and balances due from depository


institutions

1.

2. Securities:

2.

a. Held-to-maturity securities

2.a.

RCONS405

b. Available-for-sale securities...........................

RCONS406

RCONH271

RCONH272

0 2.b.

3. Federal funds sold and securities purchased under


agreements to resell:

3.

a. Federal funds sold

3.a.

b. Securities purchased under agreements to


resell

3.b.

4. Loans and leases held for sale:

4.

RCONH273

a. Residential mortgage exposures...................

RCONH274

b. High volatility commercial real estate


exposures..........................................................

RCONH275

c. Exposures past due 90 days or more or on


nonaccrual.........................................................

RCONH277

0 4.a.
RCONH276

0 4.b.
RCONH278

0 4.c.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
70

Schedule RC-R Part II - Risk-Weighted Assets


(Column A)
Totals from
Schedule
RC

(Column B)
Adjustments
to Totals
Reported
in Column
A

(Column C)
Allocation
by
Risk-Weight
Category
0%

RCONS431

RCONS432

RCONS433

Dollar amounts in thousands

(Column D)
Allocation
by
Risk-Weight
Category
2%

(Column E)
Allocation
by
Risk-Weight
Category
4%

(Column F)
Allocation
by
Risk-Weight
Category
10%

(Column G)
Allocation
by
Risk-Weight
Category
20%

(Column H)
Allocation
by
Risk-Weight
Category
50%

(Column I)
Allocation
by
Risk-Weight
Category
100%

(Column J)
Allocation
by
Risk-Weight
Category
150%

RCONS434

RCONS435

RCONS436

RCONS437

4. Loans and leases held for sale (continued):

4.

d. All other exposures.................................. 15,363,794

0 15,363,794

0 4.d.

5. Loans and leases, net of unearned income:

5.

RCONS439

a. Residential mortgage exposures..............


b. High volatility commercial real estate
exposures....................................................

0
RCONS445

RCONS440

0
RCONS446

RCONH178

0
RCONH179

RCONS449 RCONS450 RCONS451


c. Exposures past due 90 days or more or
0
0
0
on nonaccrual..............................................
RCONS457

d. All other exposures..................................

0
RCON3123

6. LESS: Allowance for loan and lease losses....

0
RCOND976

7. Trading assets................................................

0
RCOND981

8. All other assets..............................................

2,709,119

RCONS458

RCONS459

RCONS441

0
RCONH180

0
RCONS452

0
RCONS460

RCONS442

0
RCONH181

0
RCONS453

0
RCONS461

RCONS443

0
RCONH182

0
RCONS454

0
RCONS462

5.a.

RCONS447

0 5.b.
RCONS455

0 5.c.
RCONS463

0 5.d.

RCON3123

0
RCONS466

0
RCONS469

6.

RCOND977

0
RCOND982

RCOND978

0
RCOND983

RCOND979

0
RCOND984

RCOND980

0
RCOND985

2,708,843

RCONS467

0 7.
RCONH185

276 8.

a. Separate account bank-owned life


insurance

8.a.

b. Default fund contributions to central


counterparties

8.b.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
71

Schedule RC-R Part II - Risk-Weighted Assets


(Column K)
Allocation
by
Risk-Weight
Category
250%

(Column L)
Allocation
by
Risk-Weight
Category
300%

(Column M)
Allocation
by
Risk-Weight
Category
400%

(Column N)
Allocation
by
Risk-Weight
Category
600%

(Column O)
Allocation
by
Risk-Weight
Category
625%

(Column P)
Allocation
by
Risk-Weight
Category
937.5%

(Column Q)
Allocation
by
Risk-Weight
Category
1,250%

(Column R)
Application
of Other
Risk-Weighting
Approaches
Exposure
Amount

(Column S)
Application
of Other
Risk-Weighting
Approaches
Risk-Weighted
Asset
Amount

RCONH279

RCONH280

Dollar amounts in thousands

4. Loans and leases held for sale (continued):

4.

d. All other exposures........................................

0 4.d.

5. Loans and leases, net of unearned income:

5.

RCONH281

a. Residential mortgage exposures...................

RCONH282

b. High volatility commercial real estate


exposures..........................................................

RCONH283

c. Exposures past due 90 days or more or on


nonaccrual.........................................................

RCONH285

0 5.a.
RCONH284

0 5.b.
RCONH286

0
RCONH287

d. All other exposures........................................

0 5.c.
RCONH288

0 5.d.

6. LESS: Allowance for loan and lease losses

6.

RCONH186

7. Trading assets......................................................

RCONH290

0
RCONH188

8. All other assets....................................................

RCONH187

0
RCONS470

RCONH291

0
RCONS471

RCONH292

0
RCONH294

0 7.
RCONH295

a. Separate account bank-owned life


insurance...........................................................

RCONH296

b. Default fund contributions to central


counterparties....................................................

RCONH298

0 8.
RCONH297

0 8.a.
RCONH299

0 8.b.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
72

Schedule RC-R Part II - Risk-Weighted Assets


(Column A)
Totals

(Column B)
(Column Q)
(Column T) Total (Column U) Total
Adjustments to
Exposure
Risk-Weighted
Risk-Weighted
Totals Reported Amount 1,250% Asset Amount by Asset Amount by
in Column A
Calculation
Calculation
Methodology
Methodology
SSFA
Gross-Up

Dollar amounts in thousands

9. On-balance sheet securitization exposures:

9.

RCONS475

a. Held-to-maturity securities................................................................

RCONS476

0
RCONS480

b. Available-for-sale securities...............................................................

0
RCONS481

0
RCONS485

c. Trading assets...................................................................................

10. Off-balance sheet securitization exposures..........................................

0 9.b.
RCONS489

RCONS493

RCONS497

0 9.a.
RCONS484

RCONS488

RCONS492

RCONS496

RCONS479

RCONS483

RCONS487

RCONS491

RCONS495

RCONS478

RCONS482

RCONS486

RCONS490

d. All other on-balance sheet securitization exposures.........................

RCONS477

0 9.c.
RCONS494

0
RCONS498

0 9.d.
RCONS499

0 10.

Schedule RC-R Part II - Risk-Weighted Assets


(Column A)
Totals
From
Schedule
RC

(Column B)
Adjustments
to Totals
Reported
in Column
A

(Column C)
Allocation
by
Risk-Weight
Category
0%

RCON2170

RCONS500

RCOND987

Dollar amounts in thousands

11. Total balance sheet assets........................... 22,570,795

4,290,553

(Column D)
Allocation
by
Risk-Weight
Category
2%

(Column E)
Allocation
by
Risk-Weight
Category
4%

(Column F)
Allocation
by
Risk-Weight
Category
10%

(Column G)
Allocation
by
Risk-Weight
Category
20%

(Column H)
Allocation
by
Risk-Weight
Category
50%

(Column I)
Allocation
by
Risk-Weight
Category
100%

(Column J)
Allocation
by
Risk-Weight
Category
150%

RCOND988

RCOND989

RCOND990

RCONS503

124,066

31,508 18,076,135

48,532 11.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
73

Schedule RC-R Part II - Risk-Weighted Assets


(Column K) (Column L) (Column M) (Column N) (Column O) (Column P) (Column Q) (Column R)
Allocation by Allocation by Allocation by Allocation by Allocation by Allocation by Allocation by Application
Risk-Weight Risk-Weight Risk-Weight Risk-Weight Risk-Weight Risk-Weight Risk-Weight
of Other
Category
Category
Category
Category
Category
Category
Category Risk-Weighting
250%
300%
400%
600%
625%
937.5%
1,250%
Approaches
Exposure
Amount
Dollar amounts in thousands
RCONS505

11. Total balance sheet assets.......................................

RCONS506

RCONS507

RCONS510

RCONH300

0 11.

Schedule RC-R Part II - Risk-Weighted Assets


(Column A) (Column B)
Face,
Credit
Notional, Equivalent
or Other
Amount
Amount
Dollar amounts in thousands
RCOND991

12. Financial standby letters of credit................


13. Performance standby letters of credit and
transaction-related contingent items..................

34,599
RCOND997

10,056

RCOND992

34,599
RCOND998

5,028

(Column C)
Allocation
by
Risk-Weight
Category
0%

(Column D)
Allocation
by
Risk-Weight
Category
2%

(Column E)
Allocation
by
Risk-Weight
Category
4%

(Column F)
Allocation
by
Risk-Weight
Category
10%

RCOND993

15. Retained recourse on small business


obligations sold with recourse............................

RCONG613

(Column H)
Allocation
by
Risk-Weight
Category
50%

(Column I)
Allocation
by
Risk-Weight
Category
100%

(Column J)
Allocation
by
Risk-Weight
Category
150%

RCOND994

RCOND995

RCOND996

RCONS511

RCOND999

RCONG603

14. Commercial and similar letters of credit with RCONG606 RCONG607 RCONG608
2,749
550
0
an original maturity of one year or less..............
RCONG612

(Column G)
Allocation
by
Risk-Weight
Category
20%

RCONG609

RCONG614

RCONG615

(Column A) (Column B)
Face,
Credit
Notional, Equivalent
or Other
Amount
Amount

(Column C)
Allocation
by
Risk-Weight
Category
0%

(Column D)
Allocation
by
Risk-Weight
Category
2%

(Column E)
Allocation
by
Risk-Weight
Category
4%

RCONS517

RCONS518

RCONS519

0
RCONG604

0
RCONG610

0
RCONG616

34,599
RCONG605

5,028
RCONG611

550
RCONG617

0 12.
RCONS512

0 13.
RCONS513

0 14.
RCONS514

0 15.

(Column G)
Allocation
by
Risk-Weight
Category
20%

(Column H)
Allocation
by
Risk-Weight
Category
50%

(Column I)
Allocation
by
Risk-Weight
Category
100%

(Column J)
Allocation
by
Risk-Weight
Category
150%

RCONS520

RCONS521

RCONS522

RCONS523

Schedule RC-R Part II - Risk-Weighted Assets

Dollar amounts in thousands


RCONS515

16. Repo-style transactions...............................

0
RCONG618

17. All other off-balance sheet liabilities............

RCONS516

0
RCONG619

0
RCONG620

(Column F)
Allocation
by
Risk-Weight
Category
10%

0
RCONG621

0
RCONG622

0
RCONG623

0 16.
RCONS524

0 17.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
74

(Column A) (Column B)
Face,
Credit
Notional, Equivalent
or Other
Amount
Amount
Dollar amounts in thousands

(Column C)
Allocation
by
Risk-Weight
Category
0%

(Column D)
Allocation
by
Risk-Weight
Category
2%

(Column E)
Allocation
by
Risk-Weight
Category
4%

(Column F)
Allocation
by
Risk-Weight
Category
10%

18. Unused commitments:


RCONS525 RCONS526 RCONS527
a. Original maturity of one year or less,
excluding asset-backed commercial paper
49,033
9,807
0
(ABCP) conduits..........................................

(Column G)
Allocation
by
Risk-Weight
Category
20%

(Column H)
Allocation
by
Risk-Weight
Category
50%

(Column I)
Allocation
by
Risk-Weight
Category
100%

(Column J)
Allocation
by
Risk-Weight
Category
150%

RCONS528

RCONS529

RCONS530

RCONS531

18.

9,807

b. Original maturity of one year or less to


ABCP conduits

18.a.

18.b.

RCONG624

c. Original maturity exceeding one year.......

1,612,248
RCONS540

19. Unconditionally cancelable commitments.....

RCONG625

806,124

RCONG627

RCONG628

RCONG629

RCONS539

804,624

1,500 18.c.

RCONS541

16,800

0
RCONS542

20. Over-the-counter derivatives........................

0
RCONS549

21. Centrally cleared derivatives........................

0
RCONH191

22. Unsettled transactions (failed trades)..........

RCONG626

19.

RCONS543

RCONS544

0
RCONS550

0
RCONH193

0
RCONS551

RCONS552

RCONS545

0
RCONS554

0
RCONH194

RCONS546

RCONS547

0
RCONS555

0
RCONS556

0
RCONH195

RCONS548

0 20.
RCONS557

0
RCONH196

0 21.
RCONH197

0 22.

Schedule RC-R Part II - Risk-Weighted Assets


(Column O)
(Column P)
(Column Q)
(Column R)
(Column S)
Allocation by
Allocation by
Allocation by
Application of
Application of
Risk-Weight
Risk-Weight
Risk-Weight
Other
Other
Category 625% Category 937.5% Category 1,250% Risk-Weighting Risk-Weighting
Approaches
Approaches
Credit Equivalent Risk-Weighted
Amount
Asset Amount
Dollar amounts in thousands
RCONH301

16. Repo-style transactions........................................................................

RCONH302

0 16.

17. All other off-balance sheet liabilities

17.

18. Unused commitments:

18.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
75

(Column O)
(Column P)
(Column Q)
(Column R)
(Column S)
Allocation by
Allocation by
Allocation by
Application of
Application of
Risk-Weight
Risk-Weight
Risk-Weight
Other
Other
Category 625% Category 937.5% Category 1,250% Risk-Weighting Risk-Weighting
Approaches
Approaches
Credit Equivalent Risk-Weighted
Amount
Asset Amount
Dollar amounts in thousands
RCONH303

a. Original maturity of one year or less, excluding asset-backed


commercial paper (ABCP) conduits......................................................

RCONH304

0 18.a.

b. Original maturity of one year or less to ABCP conduits

18.b.

RCONH307

c. Original maturity exceeding one year................................................

RCONH308

0 18.c.

19. Unconditionally cancelable commitments

19.

RCONH309

20. Over-the-counter derivatives.................................................................

RCONH310

0 20.

21. Centrally cleared derivatives

21.

RCONH198

22. Unsettled transactions (failed trades)...................................................

RCONH199

RCONH200

22.

Schedule RC-R Part II - Risk-Weighted Assets


(Column C)
Allocation by
Risk-Weight
Category 0%

(Column D)
Allocation by
Risk-Weight
Category 2%

RCONG630

RCONS558

Dollar amounts in thousands

23. Total assets, derivatives, off-balance sheet items,


and other items subject to risk weighting by risk-weight
category (for each of columns C through P, sum of items
11 through 22; for column Q, sum of items 10 through
22)..................................................................................

4,290,553

(Column E) (Column F) (Column G) (Column H) (Column I) (Column J)


Allocation by Allocation by Allocation by Allocation by Allocation by Allocation by
Risk-Weight Risk-Weight Risk-Weight Risk-Weight Risk-Weight Risk-Weight
Category 4% Category
Category
Category
Category
Category
10%
20%
50%
100%
150%
RCONS559

RCONS560

RCONG631

124,066

RCONG632

31,508

RCONG633

18,930,743

RCONS561

50,032
23.

24. Risk weight factor


25. Risk-weighted assets by risk-weight category (for
each column, item 23 multiplied by item 24)..................

24.

RCONG634

RCONS569

RCONS570

RCONS571

RCONG635

24,813

RCONG636

15,754

RCONG637

18,930,743

RCONS572

75,048 25.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
76

Schedule RC-R Part II - Risk-Weighted Assets


(Column K)
(Column L)
(Column M)
(Column N)
(Column O)
(Column P)
(Column Q)
Allocation by Allocation by Allocation by Allocation by Allocation by Allocation by Allocation by
Risk-Weight Risk-Weight Risk-Weight Risk-Weight Risk-Weight Risk-Weight Risk-Weight
Category
Category
Category
Category
Category
Category
Category
250%
300%
400%
600%
625%
937.5%
1,250%
Dollar amounts in thousands
23. Total assets, derivatives, off-balance sheet items, and
RCONS563
RCONS564
RCONS565
RCONS566
RCONS567
RCONS568
other items subject to risk weighting by risk-weight category
(for each of columns C through P, sum of items 11 through
0
0
0
0
0
0
22; for column Q, sum of items 10 through 22)......................

23.

24. Risk weight factor

24.

25. Risk-weighted assets by risk-weight category (for each


column, item 23 multiplied by item 24)...................................

RCONS574

RCONS575

RCONS576

RCONS577

RCONS578

RCONS579

0 25.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
77

Schedule RC-R Part II - Risk-Weighted Assets


Dollar amounts in thousands

26. Risk-weighted assets base for purposes of calculating the allowance for loan and lease
losses 1.25 percent threshold................................................................................................
27. Standardized market-risk weighted assets (applicable only to banks that are covered by
the market risk capital rule)....................................................................................................
28. Risk-weighted assets before deductions for excess allowance of loan and lease losses
and allocated risk transfer risk reserve...................................................................................
29. LESS: Excess allowance for loan and lease losses.........................................................
30. LESS: Allocated transfer risk reserve...............................................................................
31. Total risk-weighted assets (item 28 minus items 29 and 30)............................................
1. Current credit exposure across all derivative contracts covered by the regulatory capital
rules.......................................................................................................................................

19,046,357

RCONS580

26.

RCONS581

27.

19,046,358

RCONB704

28.

RCON3128

0 29.
0 30.

RCONG641

19,046,358 31.

RCONA222

RCONG642

M.1.

Schedule RC-R Part II - Risk-Weighted Assets


(Column A) With (Column B) With (Column C) With
a remaining
a remaining
a remaining
maturity of One maturity of Over maturity of Over
year or less
one year
five years
through five
years
Dollar amounts in thousands
2. Notional principal amounts of over-the-counter derivative contracts:

M.2.

RCONS582

a. Interest rate.................................................................................

RCONS583

0
RCONS585

b. Foreign exchange rate and gold..................................................

0
RCONS586

0
RCONS588

c. Credit (investment grade reference asset)..................................

e. Equity..........................................................................................

f. Precious metals (except gold)......................................................

g. Other...........................................................................................

0 M.2.d.
RCONS596

RCONS598

RCONS600

0 M.2.c.
RCONS593

RCONS595

RCONS597

0 M.2.b.
RCONS590

RCONS592

RCONS594

0 M.2.a.
RCONS587

RCONS589

RCONS591

d. Credit (non-investment grade reference asset)...........................

RCONS584

0 M.2.e.
RCONS599

0
RCONS601

0 M.2.f.
RCONS602

0 M.2.g.

3. Notional principal amounts of centrally cleared derivative contracts:

M.3.

RCONS603

a. Interest rate.................................................................................

RCONS604

0
RCONS606

b. Foreign exchange rate and gold..................................................

d. Credit (non-investment grade reference asset)...........................

e. Equity..........................................................................................

0 M.3.d.
RCONS617

0
RCONS619

0 M.3.c.
RCONS614

RCONS616

RCONS618

0 M.3.b.
RCONS611

RCONS613

RCONS615

0 M.3.a.
RCONS608

RCONS610

RCONS612

f. Precious metals (except gold)......................................................

0
RCONS607

RCONS609

c. Credit (investment grade reference asset)..................................

RCONS605

0 M.3.e.
RCONS620

0 M.3.f.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
78

(Column A) With (Column B) With (Column C) With


a remaining
a remaining
a remaining
maturity of One maturity of Over maturity of Over
year or less
one year
five years
through five
years
Dollar amounts in thousands
RCONS621

g. Other...........................................................................................

RCONS622

RCONS623

0 M.3.g.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
79

Schedule RC-S - Servicing Securitization and Asset Sale Activities


(Column A)
1-4 Family
Residential
Loans

(Column B)
Home Equity
Lines

(Column C)
Credit Card
Receivables

(Column D)
Auto Loans

(Column E)
Other
Consumer
Loans

1. Outstanding principal balance of assets sold and securitized


by the reporting bank with servicing retained or with recourse
or other seller-provided credit enhancements........................
2. Maximum amount of credit exposure arising from recourse
or other seller-provided credit enhancements provided to
structures reported in item 1 in the form of:

RCONB705

RCONB706

RCONB707

RCONB708

RCONB709

a. Credit-enhancing interest-only strips (included in


Schedules RC-B or RC-F or in Schedule RC, item 5)......

RCONB712

(Column F)
(Column G)
Commercial
All Other
and Industrial Loans, All
Loans
Leases, and
All Other
Assets

Dollar amounts in thousands

RCONB711

b. Subordinated securities and other residual interests.....

c. Standby letters of credit and other enhancements.......

RCONB714

RCONC394

RCONC400

0
RCONC395

0
RCONC401

0
RCONB726

0 2.a.
RCONC399

0
RCONC405

0
RCONB730

RCONB718

RCONC398

RCONC404

RCONB729

RCONB717

RCONC397

RCONC403

RCONB728

RCONB716

RCONC396

RCONC402

RCONB727

RCONB715

0 2.b.
RCONC406

0
RCONB731

0 2.c.
RCONB732

0 3.

4. Past due loan amounts included in item 1:

4.

RCONB733

a. 30-89 days past due.....................................................

RCONB734

0
RCONB740

b. 90 days or more past due.............................................


5. Charge-offs and recoveries on assets sold and securitized
with servicing retained or with recourse or other
seller-provided credit enhancements (calendar year-to-date):

RCONB735

0
RCONB741

RCONB736

0
RCONB742

RCONB737

0
RCONB743

RCONB738

0
RCONB744

RCONB739

0
RCONB745

a. Charge-offs...................................................................

RIADB748

0
RIADB754

RIADB749

0
RIADB755

RIADB750

0
RIADB756

RIADB751

0
RIADB757

RIADB752

0 4.b.

0
RIADB758

RIADB753

0
RIADB759

0 5.a.
RIADB760

6. Amount of ownership (or seller's) interests carried as:


a. Securities (included in Schedule RC-B or in Schedule
RC, item 5).......................................................................

0 4.a.
RCONB746

5.

RIADB747

b. Recoveries....................................................................

1.

2.

RCONB713

RCONC393

3. Reporting bank's unused commitments to provide liquidity


to structures reported in item 1..............................................

RCONB710

0 5.b.
6.

RCONB761

RCONB762

RCONB763

6.a.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
80

(Column A)
1-4 Family
Residential
Loans

(Column B)
Home Equity
Lines

(Column C)
Credit Card
Receivables

RCONB500

RCONB501

(Column D)
Auto Loans

(Column E)
Other
Consumer
Loans

(Column F)
(Column G)
Commercial
All Other
and Industrial Loans, All
Loans
Leases, and
All Other
Assets

Dollar amounts in thousands

b. Loans (included in Schedule RC-C).............................

RCONB502

6.b.

7. Past due loan amounts included in interests reported in


item 6.a:

7.

RCONB764

a. 30-89 days past due.....................................................

RCONB765

0
RCONB767

b. 90 days or more past due.............................................

RCONB766

0
RCONB768

7.a.

7.b.

RCONB769

8. Charge-offs and recoveries on loan amounts included in


interests reported in item 6.a (calendar year-to-date):

8.

RIADB770

a. Charge-offs...................................................................

RIADB771

0
RIADB773

b. Recoveries....................................................................
9. Maximum amount of credit exposure arising from credit
enhancements provided by the reporting bank to other
institutions' securitization structures in the form of standby
letters of credit, purchased subordinated securities, and other
enhancements.......................................................................

RCONB777

RIADB774

0
RCONB776

RIADB772

0
RCONB778

8.a.

RIADB775

0
RCONB779

RCONB780

RCONB781

8.b.

RCONB782

0
9.

10. Reporting bank's unused commitments to provide liquidity


to other institutions' securitization structures.........................

RCONB783

11. Assets sold with recourse or other seller-provided credit


enhancements and not securitized by the reporting bank.....
12. Maximum amount of credit exposure arising from recourse
or other seller-provided credit enhancements provided to
assets reported in item 11.....................................................

RCONB790

RCONB784

RCONB785

0
RCONB791

0
RCONB797

0
RCONB792

0
RCONB798

RCONB786

0
RCONB793

0
RCONB799

RCONB787

0
RCONB794

0
RCONB800

RCONB788

0
RCONB795

0
RCONB801

RCONB789

0
RCONB802

0 10.
RCONB796

0 11.
RCONB803

12.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
81

Schedule RC-S - Servicing Securitization and Asset Sale Activities


Dollar amounts in thousands

1. Small business obligations transferred with recourse under Section 208 of the Riegle
Community Development and Regulatory Improvement Act of 1994:
a. Outstanding principal balance......................................................................................
b. Amount of retained recourse on these obligations as of the report date......................
2. Outstanding principal balance of assets serviced for others (includes participations serviced
for others):
a. Closed-end 1-4 family residential mortgages serviced with recourse or other
servicer-provided credit enhancements............................................................................
b. Closed-end 1-4 family residential mortgages serviced with no recourse or other
servicer-provided credit enhancements............................................................................
c. Other financial assets (includes home equity lines)......................................................
d. 1-4 family residential mortgages serviced for others that are in process of foreclosure
at quarter-end (includes closed-end and open-end loans)...............................................
3. Asset-backed commercial paper conduits:
a. Maximum amount of credit exposure arising from credit enhancements provided to
conduit structures in the form of standby letters of credit, subordinated securities, and
other enhancements:
1. Conduits sponsored by the bank, a bank affiliate, or the bank's holding company..
2. Conduits sponsored by other unrelated institutions................................................
b. Unused commitments to provide liquidity to conduit structures:
1. Conduits sponsored by the bank, a bank affiliate, or the bank's holding company..
2. Conduits sponsored by other unrelated institutions................................................
4. Outstanding credit card fees and finance charges included in Schedule RC-S, item 1,
column C................................................................................................................................

M.1.

RCONA249
RCONA250

0 M.1.a.
0 M.1.b.
M.2.

RCONB804

0
M.2.a.

RCONB805

0
M.2.b.

RCONA591
RCONF699

1,143,320 M.2.c.
0
M.2.d.
M.3.

M.3.a.

RCONB806
RCONB807

0 M.3.a.1.
0 M.3.a.2.
M.3.b.

RCONB808
RCONB809
RCONC407

0 M.3.b.1.
0 M.3.b.2.
NR
M.4.

Schedule RC-T - Fiduciary and Related Services


Dollar amounts in thousands

1. Does the institution have fiduciary powers? (If "NO," do not complete Schedule RC-T.)....
2. Does the institution exercise the fiduciary powers it has been granted?............................
3. Does the institution have any fiduciary or related activity (in the form of assets or accounts)
to report in this schedule? (If "NO," do not complete the rest of Schedule RC-T.).................

RCONA346

No 1.
No 2.

RCONB867

No

RCONA345

3.

GE CAPITAL BANK
RSSD-ID 2017570
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FFIEC 041
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82

Schedule RC-T - Fiduciary and Related Services


(Column A)
Managed Assets

(Column B)
Non-Managed
Assets

RCONB868

RCONB869

Dollar amounts in thousands

4. Personal trust and agency accounts.....................................................................

NR

(Column C) Number (Column D) Number


of Managed
of Non-Managed
Accounts
Accounts
RCONB870

NR

RCONB871

NR

NR 4.

5. Employee benefit and retirement-related trust and agency accounts:

5.

RCONB872

a. Employee benefit - defined contribution..........................................................

RCONB873

NR
RCONB876

b. Employee benefit - defined benefit..................................................................

NR
RCONB877

NR
RCONB880

c. Other employee benefit and retirement-related accounts................................

7. Investment management and investment advisory agency accounts...................


8. Foundation and endowment trust and agency accounts.......................................
9. Other fiduciary accounts.......................................................................................
10. Total fiduciary accounts (sum of items 4 through 9)............................................

NR

NR

NR

NR

NR

NR

NR 8.
RCONB893

NR
RCONB896

NR

NR 9.
RCONB897

NR

RCONB898

11. Custody and safekeeping accounts....................................................................

NR 7.
RCONJ258

RCONB892

RCONB895

NR 6.
RCONJ254

RCONJ257

RCONB891

RCONB894

NR

NR

NR

NR 5.c.
RCONC002

RCONB888

RCONJ256

RCONB890

NR

NR

NR

NR 5.b.
RCONB883

RCONC001

RCONJ253

RCONJ255

NR

NR

NR

NR 5.a.
RCONB879

RCONB882

RCONB885

RCONB886

NR

NR

NR

RCONB875

RCONB878

RCONB881

RCONB884

6. Corporate trust and agency accounts...................................................................

RCONB874

NR 10.
RCONB899

NR

NR 11.

12. Not applicable


13. Individual Retirement Accounts, Health Savings Accounts, and other similar
accounts (included in items 5.c and 11)...................................................................

12.

RCONJ259

RCONJ260

NR

RCONJ261

NR

RCONJ262

NR

NR 13.

GE CAPITAL BANK
RSSD-ID 2017570
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FFIEC 041
Quarter End Date 6/30/2015
83

Schedule RC-T - Fiduciary and Related Services


Dollar amounts in thousands

14. Personal trust and agency accounts................................................................................


15. Employee benefit and retirement-related trust and agency accounts:
a. Employee benefit - defined contribution........................................................................
b. Employee benefit - defined benefit................................................................................
c. Other employee benefit and retirement-related accounts.............................................
16. Corporate trust and agency accounts..............................................................................
17. Investment management and investment advisory agency accounts..............................
18. Foundation and endowment trust and agency accounts..................................................
19. Other fiduciary accounts...................................................................................................
20. Custody and safekeeping accounts..................................................................................
21. Other fiduciary and related services income....................................................................
22. Total gross fiduciary and related services income (sum of items 14 through 21) (must
equal Schedule RI, item 5.a)..................................................................................................
23. Less: Expenses................................................................................................................
24. Less: Net losses from fiduciary and related services.......................................................
25. Plus: Intracompany income credits for fiduciary and related services..............................
26. Net fiduciary and related services income........................................................................

RIADB904

NR 14.

RIADB905

NR 15.a.
NR 15.b.

15.

RIADB906

NR 15.c.
NR 16.

RIADB907
RIADA479

NR 17.
NR 18.

RIADJ315
RIADJ316

RIADB909

NR 19.
NR 20.

RIADB910

NR 21.

RIADA480

RIAD4070

22.

NR 23.
NR 24.

RIADC058
RIADA488

NR 25.
NR 26.

RIADB911
RIADA491

Schedule RC-T - Fiduciary and Related Services


(Column A)
(Column B)
(Column C) All
Personal Trust
Employee
Other Accounts
and Agency and Benefit and
Investment
Retirement-Related
Management
Trust and
Agency
Agency
Accounts
Accounts
Dollar amounts in thousands
1. Managed assets held in fiduciary accounts:

M.1.

RCONJ263

a. Noninterest-bearing deposits......................................................

RCONJ264

NR
RCONJ266

b. Interest-bearing deposits.............................................................

NR

NR

NR

d. State, county, and municipal obligations.....................................

NR

NR

e. Money market mutual funds........................................................

NR

NR

f. Equity mutual funds......................................................................

NR

NR

g. Other mutual funds......................................................................

NR

NR

h. Common trust funds and collective investment funds.................

NR

NR

i. Other short-term obligations.........................................................

NR

NR

NR M.1.h.
RCONJ289

NR
RCONJ291

NR

NR M.1.g.
RCONJ286

RCONJ288

RCONJ290

NR M.1.f.
RCONJ283

RCONJ285

RCONJ287

NR M.1.e.
RCONJ280

RCONJ282

RCONJ284

NR M.1.d.
RCONJ277

RCONJ279

RCONJ281

NR M.1.c.
RCONJ274

RCONJ276

RCONJ278

NR M.1.b.
RCONJ271

RCONJ273

RCONJ275

NR M.1.a.
RCONJ268

RCONJ270

RCONJ272

j. Other notes and bonds.................................................................

NR
RCONJ267

RCONJ269

c. U.S. Treasury and U.S. Government agency obligations.............

RCONJ265

NR M.1.i.
RCONJ292

NR

NR M.1.j.

GE CAPITAL BANK
RSSD-ID 2017570
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FFIEC 041
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84

(Column A)
(Column B)
(Column C) All
Personal Trust
Employee
Other Accounts
and Agency and Benefit and
Investment
Retirement-Related
Management
Trust and
Agency
Agency
Accounts
Accounts
Dollar amounts in thousands
RCONJ293

k. Investments in unregistered funds and private equity


investments.....................................................................................

RCONJ294

NR
RCONJ296

l. Other common and preferred stocks............................................

NR
RCONJ297

NR
RCONJ299

m. Real estate mortgages...............................................................

NR

NR

NR

NR

o. Miscellaneous assets..................................................................

NR

NR

p.Total managed assets held in fiduciary accounts (for each column,


sum of Memorandum items 1.a through 1.o)..................................

NR M.1.m.
RCONJ304

RCONJ306

RCONJ308

NR M.1.l.
RCONJ301

RCONJ303

RCONJ305

NR M.1.k.
RCONJ298

RCONJ300

RCONJ302

n. Real estate..................................................................................

RCONJ295

NR M.1.n.
RCONJ307

NR
RCONJ309

NR

NR M.1.o.
RCONJ310

NR

NR M.1.p.

Schedule RC-T - Fiduciary and Related Services


(Column A) Managed
Assets

Dollar amounts in thousands

q. Investments of managed fiduciary accounts in advised or sponsored


RCONJ311
mutual funds.............................................................................................

(Column B) Number of
Managed Accounts

NR RCONJ312

NR
M.1.q.

Schedule RC-T - Fiduciary and Related Services


Dollar amounts in thousands

(Column A) Number of
Issues

2. Corporate trust and agency accounts:


a. Corporate and municipal trusteeships............................................. RCONB927
1. Issues reported in Memorandum item 2.a that are in default..... RCONJ313
b. Transfer agent, registrar, paying agent, and other corporate
RCONB929
agency.................................................................................................

(Column B) Principal
Amount Outstanding
M.2.

NR RCONB928
NR RCONJ314

NR M.2.a.
NR M.2.a.1.

NR
M.2.b.

Schedule RC-T - Fiduciary and Related Services


Dollar amounts in thousands

3. Collective investment funds and common trust funds:


a. Domestic equity...............................................................................
b. International/Global equity...............................................................
c. Stock/Bond blend.............................................................................
d. Taxable bond...................................................................................
e. Municipal bond................................................................................
f. Short term investments/Money market.............................................
g. Specialty/Other................................................................................
h. Total collective investment funds (sum of Memorandum items 3.a
through 3.g).........................................................................................

(Column A) Number of (Column B) Market Value


Funds
of Fund Assets
M.3.

RCONB931

NR RCONB932

NR M.3.a.
NR M.3.b.

RCONB933

NR RCONB934

RCONB935

NR RCONB936

RCONB937

NR RCONB938

RCONB939

NR RCONB940

RCONB941

NR RCONB942

NR M.3.e.
NR M.3.f.

RCONB943

NR RCONB944

NR M.3.g.

RCONB945

NR RCONB946

NR

NR M.3.c.
NR M.3.d.

M.3.h.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
85

Schedule RC-T - Fiduciary and Related Services

Dollar amounts in thousands

(Column A)
Gross Losses
Managed
Accounts

(Column B)
Gross Losses
Non-Managed
Accounts

(Column C)
Recoveries

RIADB947

RIADB948

RIADB949

4. Fiduciary settlements, surcharges, and other losses:

M.4.

a. Personal trust and agency accounts...........................................


b. Employee benefit and retirement-related trust and agency
accounts..........................................................................................

NR
RIADB950

NR
RIADB953

c. Investment management agency accounts.................................

NR

NR

NR M.4.b.
RIADB955

NR
RIADB957

NR
RIADB959

NR M.4.a.
RIADB952

RIADB954

RIADB956

d. Other fiduciary accounts and related services............................


e. Total fiduciary settlements, surcharges, and other losses (sum
of Memorandum items 4.a through 4.d) (sum of columns A and B
minus column C must equal Schedule RC-T, item 24)....................

NR
RIADB951

NR M.4.c.
RIADB958

NR
RIADB960

NR

NR M.4.d.
RIADB961

NR

NR

M.4.e.

Schedule RC-V - Variable Interest Entities


Dollar amounts in thousands

(Column A)
Securitization
Vehicles

(Column B)
ABCP Conduits

(Column C)
Other VIEs

RCONJ981

RCONJ982

RCONJ983

1. Assets of consolidated variable interest entities (VIEs) that can be


used only to settle obligations of the consolidated VIEs:

1.

a. Cash and balances due from depository institutions...................

0
RCONJ984

b. Held-to-maturity securities...........................................................

0
RCONJ985

0
RCONJ987

c. Available-for-sale securities.........................................................

0
RCONJ988

0
RCONJ990

d. Securities purchased under agreements to resell.......................

e. Loans and leases held for sale....................................................

f. Loans and leases, net of unearned income.................................

g. Less: Allowance for loan and lease losses..................................

h. Trading assets (other than derivatives)........................................

i. Derivative trading assets..............................................................

j. Other real estate owned...............................................................

k. Other assets................................................................................

0 1.h.
RCONK008

RCONK010

RCONK012

0 1.g.
RCONK005

RCONK007

RCONK009

0 1.f.
RCONK002

RCONK004

RCONK006

0 1.e.
RCONJ998

RCONK001

RCONK003

0 1.d.
RCONJ995

RCONJ997

RCONJ999

0 1.c.
RCONJ992

RCONJ994

RCONJ996

0 1.b.
RCONJ989

RCONJ991

RCONJ993

0 1.a.
RCONJ986

0 1.i.
RCONK011

0
RCONK013

0 1.j.
RCONK014

0 1.k.

2. Liabilities of consolidated VIEs for which creditors do not have


recourse to the general credit of the reporting bank:

2.

RCONK015

a. Securities sold under agreements to repurchase........................

RCONK016

RCONK017

0 2.a.

GE CAPITAL BANK
RSSD-ID 2017570
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FFIEC 041
Quarter End Date 6/30/2015
86

Dollar amounts in thousands

(Column A)
Securitization
Vehicles

(Column B)
ABCP Conduits

(Column C)
Other VIEs

RCONK019

RCONK020

RCONK018

b. Derivative trading liabilities..........................................................

0
RCONK021

c. Commercial paper.......................................................................

0
RCONK022

0
RCONK024

d. Other borrowed money (exclude commercial paper)..................

0
RCONK025

0
RCONK027

e. Other liabilities.............................................................................
RCONK030

4. All other liabilities of consolidated VIEs (not included in items 2.a


through 2.e above)................................................................................

RCONK033

RCONK026

RCONK028

0 2.d.
RCONK029

0
RCONK031

0 2.e.
RCONK032

0
RCONK034

0 2.c.

3. All other assets of consolidated VIEs (not included in items 1.a.


through 1.k above)................................................................................

0 2.b.
RCONK023

0 3.
RCONK035

0 4.

General Instructions
Dollar amounts in thousands

1. Who Must Report on What Forms


a. Close of Business
b. Frequency of Reporting
c. Differences in Detail of Reports
d. Shifts in Reporting Status
2. Organization of the Instruction Books
3. Preparation of the Reports
4. Signatures
a. Officer Declaration
b. Director Attestation
5. Submission of the Reports
a. Submission Date
b. Amended Reports
6. Retention of Reports
7. Scope of the "Consolidated Bank" Required to be Reported in the Submitted Reports
a. Exclusions from the Coverage of the Consolidated Report
8. Rules of Consolidation
9. Reporting by Type of Office (For banks with foreign offices)
10. Publication Requirements for the Report of Condition
11. Release of Individual Bank Reports
12. Applicability of Generally Accepted Accounting Principles to Regulatory Reporting
Requirements
13. Accrual Basis Reporting
14. Miscellaneous General Instructions
a. Rounding
b. Negative Entries
c. Verification
d. Transactions Occurring Near the End of a Reporting Period
15. Separate Branch Reports

1.
1.a.
1.b.
1.c.
1.d.
2.
3.
4.
4.a.
4.b.
5.
5.a.
5.b.
6.
7.
7.a.
8.
9.
10.
11.
12.
13.
14.
14.a.
14.b.
14.c.
14.d.
15.

GE CAPITAL BANK
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FFIEC 041
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87

Glossary
Dollar amounts in thousands

1. Glossary
2. Acceptances
3. Accounting Changes
4. Accounting Errors, Corrections of
5. Accounting Estimates, Changes in
6. Accounting Principles, Changes in
7. Accrued Interest Receivable Related to Credit Card Securitizations
8. Acquisition, Development, or Construction (ADC) Arrangements
9. Agreement Corporation
10. Allowance for Loan and Lease Losses
11. Applicable Income Taxes
12. Associated Company
13. ATS Account
14. Bankers Acceptances
a. Bank-Owned Life Insurance
15. Banks, U.S. and Foreign
16. Banks in Foreign Countries
17. Bill-of-Lading Draft
18. Borrowings and Deposits in Foreign Offices
19. Brokered Deposits
20. Broker's Security Draft
21. Business Combinations
22. Call Option
a. Capital Contributions of Cash and Notes Receivable
23. Capitalization of Interest Costs
24. Carrybacks and Carryforwards
25. Cash Management Arrangements
26. Certificate of Deposit
27. Changes in Accounting Estimates
28. Changes in Accounting Principles
29. Clearing Accounts
30. Commercial Banks in the U.S.
31. Commercial Letter of Credit
32. Commercial Paper
33. Commodity or Bill-of-Lading Draft
34. Common Stock of Unconsolidated Subsidaries, Investments in
35. Continuing Contract
36. Corporate Joint Venture
37. Corrections of Accounting Errors
38. Coupon Stripping, Treasury Receipts, and STRIPS
39. Custody Account
40. Dealer Reserve Account
a. Deferred Compensation Agreements
41. Deferred Income Taxes
a. Defined Benefit Postretirement Plans
42. Demand Deposits
43. Depository Institutions in the U.S.
44. Deposits
45. Derivative Contracts

1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
14.a.
15.
16.
17.
18.
19.
20.
21.
22.
22.a.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.
35.
36.
37.
38.
39.
40.
40.a.
41.
41.a.
42.
43.
44.
45.

GE CAPITAL BANK
RSSD-ID 2017570
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FFIEC 041
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88

Dollar amounts in thousands

a. Discounts
46. Dividends
47. Domestic Office
48. Domicile
49. Due Bills
50. Edge and Agreement Corporation
a. Equity-Indexed Certificates of Deposit
51. Equity Method of Accounting
52. Extinguishments of Liabilities
53. Extraordinary Items
54. Fails
a. Fair Value
55. Federal Funds Transactions
56. Federally-Sponsored Lending Agency
57. Fees, Loan
58. Foreclosed Assets
59. Foreign Banks
60. Foreign Currency Transactions and Translation
61. Foreign Debt Exchange Transactions
62. Foreign Governments and Official Institutions
63. Foreign Office
64. Forward Contracts
65. Functional Currency
66. Futures Contracts
67. Goodwill
68. Hypothecated Deposit
69. IBF
70. Income Taxes
71. Intangible Assets
72. Interest-Bearing Account
73. Interest Capitalization
74. Interest Rate Swaps
75. Internal-Use Computer Software
76. International Banking Facility (IBF)
77. Interoffice Accounts
78. Investments in Common Stock of Unconsolidated Subsidiaries
79. Joint Venture
80. Lease Accounting
81. Letter of Credit
82. Limited-Life Preferred Stock
83. Loan
84. Loan Fees
85. Loan Impairment
86. Loan Secured by Real Estate
87. Loss Contingencies
88. Majority-Owned Subsidiary
89. Mandatory Convertible Debt
91. Mergers
92. Money Market Deposit Account (MMDA)
93. Nonaccrual Status
94. Noninterest-Bearing Account

45.a.
46.
47.
48.
49.
50.
50.a.
51.
52.
53.
54.
54.a.
55.
56.
57.
58.
59.
60.
61.
62.
63.
64.
65.
66.
67.
68.
69.
70.
71.
72.
73.
74.
75.
76.
77.
78.
79.
80.
81.
82.
83.
84.
85.
86.
87.
88.
89.
91.
92.
93.
94.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
89

Dollar amounts in thousands

95. Nontransaction Account


96. NOW Account
97. Offsetting
98. One-Day Transaction
99. Option
100. Organization Costs
101. Other Depository Institutions in the U.S.
102. Other Real Estate Owned
103. Overdraft
104. Participations
105. Participations in Acceptances
106. Participations in Pools of Securities
107. Pass-through Reserve Balances
108. Perpetual Preferred Stock
109. Placements and Takings
110. Pooling of Interests
111. Preauthorized Transfer Account
112. Preferred Stock
113. Premiums and Discounts
114. Purchase Acquisition
a. Purchased Impaired Loans and Debt Securities
115. Put Option
116. Real Estate ADC Arrangements
117. Real Estate, Loan Secured By
118. Reciprocal Balances
119. Renegotiated Troubled Debt
120. Reorganizations
121. Repurchase/Resale Agreements
122. Reserve Balances, Pass-through
123. Retail Sweep Arrangements
124. Sales of Assets for Risk-Based Capital Purposes
125. Savings Deposits
126. Securities Activities
127. Securities Borrowing/Lending Transactions
128. Securities, Participations in Pools of
129. Servicing Assets and Liabilities
130. Settlement Date Accounting
131. Shell Branches
132. Short Position
133. Significant Subsidary
134. Standby Letter of Credit
135. Start-Up Activities
136. STRIPS
137. Subordinated Notes and Debentures
138. Subsidiaries
139. Suspense Accounts
140. Syndications
141. Telephone Transfer Account
142. Term Federal Funds
143. Time Deposits
144. Trade Date and Settlement Date Accounting

95.
96.
97.
98.
99.
100.
101.
102.
103.
104.
105.
106.
107.
108.
109.
110.
111.
112.
113.
114.
114.a.
115.
116.
117.
118.
119.
120.
121.
122.
123.
124.
125.
126.
127.
128.
129.
130.
131.
132.
133.
134.
135.
136.
137.
138.
139.
140.
141.
142.
143.
144.

GE CAPITAL BANK
RSSD-ID 2017570
Last Updated on 7/29/2015

FFIEC 041
Quarter End Date 6/30/2015
90

Dollar amounts in thousands

145. Trading Account


146. Transction Account
147. Transfers of Financial Assets
148. Traveler's Letter of Credit
149. Treasury Receipts
150. Treasury Stock
151. Troubled Debt Restructurings
152. Trust Preferred Securities
153. U.S. Banks
154. U.S. Territories and Possessions
155. Valuation Allowance
156. When-Issued Securities Transactions

145.
146.
147.
148.
149.
150.
151.
152.
153.
154.
155.
156.

PUBLIC EXHIBIT 3
Approval of The Goldman Sachs Group, Inc. as Sole Shareholder of Goldman Sachs Bank USA

SC1:3928381.1

THE GOLDMAN SACHS GROUP, INC.

Waiver of Notice and Consent


of the Sole Shareholder of
Goldman Sachs Bank USA In Lieu of a Meeting
The Goldman Sachs Group, Inc., a Delaware corporation ("GSGJ"), being the
sole shareholder of Goldman Sachs Bank USA, a New York state-chartered bank (the "Bank"),
does hereby waive the requirement of notice of the shareholder meeting called to consider the
following: the acquisition by purchase and assumption of certain assets and certain deposit
liabilities (the "Purchase and Assumption") of GE Capital Bank, a Utah state-chartered industrial
bank (the "Seller"); and
WHEREAS, the Board of Directors of the Bank (the "Board of Directors") has
determined that the Purchase and Assumption is advisable and in the best interest of the Bank
and, at a meeting of the Board of Directors on June 23, 2015, adopted resolutions authorizing
and approving the Purchase and Assumption and recommended that the Purchase and
Assumption be submitted to the sole shareholder of the Bank for approval; and
NOW, THEREFORE, BE IT RESOLVED that the Purchase and Assumption by
the Bank of certain of the Seller's assets and deposit liabilities be, and it hereby is, approved on
substantially the same terms and conditions as presented to the Board of Directors for
consideration at its meeting, with such amendments, additions, changes and deletions thereto
that an Authorized Person (as defined in the Resolutions of the Board of Directors from its
meeting) considers necessary, desirable or appropriate in approving the final terms and
conditions, such necessity, desirability or appropriateness to be evidenced conclusively by
execution or delivery thereof; and
FURTHER RESOLVED, that all actions heretofore taken by any director, officer
or counsel of the Bank in connection with any matter referred to in the foregoing resolutions are
hereby approved, ratified and confirmed in all respects.

Date:

,\ lAhl 'Llt r ?-ot 5

SACHS GROUP, INC.

Gregory K. Palm
Title: Executive Vice President,
General Counsel and Secretary

PUBLIC EXHIBIT 4
Competition Supplement

SC1:3928381.1

Ownership info as of 8/19/2015

Salt Lake City, UT - FRB Banking Market


DEPOSIT BASED HHI
FRB Initial Screen *

Pre-Merger
Pre
Post
Merger Merger
Rank
Rank Institution

Type

Branch
Count

Total
Deposits
in Market
($000)

Post-Merger

Weight

Weighted
Deposits in
Market
($000)

Weighted
Market
Share
(%)

Deposit
HHI

BUYER
2
0

Goldman Sachs Group Inc.

Bank

64,629,000

100

64,629,000

16.02

256.67

TARGET
7
0

GE Capital Bank

Bank

14,722,753

100

14,722,753

3.65

13.32

RESULTING INSTITUTION
2
Goldman Sachs Group Inc.
100

Bank

OTHER INSTITUTIONS (Pro Forma **)


1
1
Morgan Stanley
3
3
Ally Financial Inc.
4
4
American Express Co.
5
5
UBS Group AG
6
6
Synchrony Bank
8
7
CIT Group Inc.
9
8
JPMorgan Chase & Co.
10
9
Zions Bancorp.
11
10
Sallie Mae Bank
12
11
Wells Fargo & Co.
13
12
BMW of North America LLC
14
13
KeyCorp
15
14
UnitedHealth Group Inc.
16
15
WEX Bank
17
16
U.S. Bancorp
18
17
Comenity Capital Bank
19
18
CardWorks Inc.
20
19
Medallion Bank
21
20
EnerBank USA
22
21
Pitney Bowes Bank Inc.
23
22
Marlin Business Services Corp.
24
23
Republic Bank
25
24
First Utah Bancorp.
26
25
Celtic Bank
27
26
Washington Federal Inc.
28
27
BOU Bancorp Inc.
29
28
NHB Holdings Inc.
30
29
Brighton Bancorp
31
30
BNP Paribas SA
32
31
Continental BanCorp.
33
32
WebBank
34
33
People"s Utah Bancorp
35
34
Prime Alliance Bank
36
35
Home Credit Corp.
37
36
FNB Bancorp
38
37
Holladay Bank & Trust
39
38
Banner Corp.

Bank
Bank
Bank
Bank
Thrift (c.a.)
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Thrift
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank

1
1
2
1
1
1
35
45
1
48
1
23
1
1
43
1
1
1
1
1
1
1
7
1
7
3
1
4
4
1
1
4
1
2
3
1
3

96,362,000
56,298,644
41,572,141
40,508,678
30,556,740
13,867,492
11,729,225
9,659,550
9,546,014
7,676,308
6,321,177
2,477,999
2,447,967
1,593,559
1,495,963
1,237,641
1,575,061
775,853
731,643
616,300
532,290
314,764
264,890
240,868
224,873
175,473
159,709
156,024
149,759
138,334
136,964
131,144
124,322
89,391
67,402
43,955
39,854

100
100
100
100
50
100
100
100
100
100
100
100
100
100
100
100
50
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100

96,362,000
56,298,644
41,572,141
40,508,678
15,278,370
13,867,492
11,729,225
9,659,550
9,546,014
7,676,308
6,321,177
2,477,999
2,447,967
1,593,559
1,495,963
1,237,641
787,531
775,853
731,643
616,300
532,290
314,764
264,890
240,868
224,873
175,473
159,709
156,024
149,759
138,334
136,964
131,144
124,322
89,391
67,402
43,955
39,854

Page 1 of 3

23.89
13.96
10.31
10.04
3.79
3.44
2.91
2.39
2.37
1.90
1.57
0.61
0.61
0.40
0.37
0.31
0.20
0.19
0.18
0.15
0.13
0.08
0.07
0.06
0.06
0.04
0.04
0.04
0.04
0.03
0.03
0.03
0.03
0.02
0.02
0.01
0.01

570.61
194.77
106.20
100.84
14.34
11.82
8.45
5.73
5.60
3.62
2.46
0.38
0.37
0.16
0.14
0.09
0.04
0.04
0.03
0.02
0.02
0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Branch
Count

Total
Deposits
in Market
($000)

Weighted
Deposits in
Market
($000)

Weighted
Market
Share
(%)

Deposit
HHI

79,351,753

79,351,753

19.67

386.93

1
1
2
1
1
1
35
45
1
48
1
23
1
1
43
1
1
1
1
1
1
1
7
1
7
3
1
4
4
1
1
4
1
2
3
1
3

96,362,000
56,298,644
41,572,141
40,508,678
30,556,740
13,867,492
11,729,225
9,659,550
9,546,014
7,676,308
6,321,177
2,477,999
2,447,967
1,593,559
1,495,963
1,237,641
1,575,061
775,853
731,643
616,300
532,290
314,764
264,890
240,868
224,873
175,473
159,709
156,024
149,759
138,334
136,964
131,144
124,322
89,391
67,402
43,955
39,854

96,362,000
56,298,644
41,572,141
40,508,678
15,278,370
13,867,492
11,729,225
9,659,550
9,546,014
7,676,308
6,321,177
2,477,999
2,447,967
1,593,559
1,495,963
1,237,641
787,531
775,853
731,643
616,300
532,290
314,764
264,890
240,868
224,873
175,473
159,709
156,024
149,759
138,334
136,964
131,144
124,322
89,391
67,402
43,955
39,854

23.89
13.96
10.31
10.04
3.79
3.44
2.91
2.39
2.37
1.90
1.57
0.61
0.61
0.40
0.37
0.31
0.20
0.19
0.18
0.15
0.13
0.08
0.07
0.06
0.06
0.04
0.04
0.04
0.04
0.03
0.03
0.03
0.03
0.02
0.02
0.01
0.01

570.61
194.77
106.20
100.84
14.34
11.82
8.45
5.73
5.60
3.62
2.46
0.38
0.37
0.16
0.14
0.09
0.04
0.04
0.03
0.02
0.02
0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Ownership info as of 8/19/2015

Salt Lake City, UT - FRB Banking Market


DEPOSIT BASED HHI
FRB Initial Screen *

Pre-Merger
Pre
Post
Merger Merger
Rank
Rank Institution
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86

39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85

Type

Target Bank
Bank
All West Bancorp
Bank
Liberty Bank
Bank
First American Financial Corp.
Thrift
First Electronic Bank
Bank
Franklin Resources Inc.
Bank
America First Federal Credit Union
CU
American United Family of Credit Unions Federal CCU
Associated Federal Employees FCU
CU
Bailey Inc. Employees Credit Union
CU
Beckstrand & Associates Credit Union
CU
Chartway Federal Credit Union
CU
Chevron Federal Credit Union
CU
Cyprus Federal Credit Union
CU
Delta Community Credit Union
CU
Deseret First Federal Credit Union
CU
Firefighters Credit Union
CU
Gibbons & Reed Employees FCU
CU
Goldenwest Federal Credit Union
CU
Granite Federal Credit Union
CU
Granite Furniture Employees FCU
CU
Grantsville Federal Credit Union
CU
Health Care Credit Union
CU
Hercules Credit Union
CU
Hi-Land Credit Union
CU
HollyFrontier Employee"s Credit Union
CU
Horizon Utah Federal Credit Union
CU
Jordan Federal Credit Union
CU
LU 354 IBEW Federal Credit Union
CU
Meadow Gold Employees Credit Union
CU
MidValley Federal Credit Union
CU
Mountain America Federal Credit Union
CU
National J.A.C.L. Credit Union
CU
Operating Engineers Local Union #3 Federal Cred CU
P & S Credit Union
CU
Security Service Federal Credit Union
CU
Tanner Employees Credit Union
CU
Teamsters Local #222 Federal Credit Union
CU
Transwest Credit Union
CU
UCB Credit Union
CU
University First Federal Credit Union
CU
Utah Federal Credit Union
CU
Utah First Federal Credit Union
CU
Utah Power Credit Union
CU
Utah Prison Employees Credit Union
CU
Varian Federal Credit Union
CU
Western Federal Credit Union
CU

Branch
Count

Total
Deposits
in Market
($000)

Weight

Weighted
Deposits in
Market
($000)

1
1
1
1
1
1
40
9
2
1
1
11
2
15
1
7
1
1
6
8
1
1
8
1
1
1
3
7
3
1
1
34
1
1
1
7
1
1
5
1
17
1
6
2
1
1
1

32,734
27,233
8,465
12,663
656
504
0
145,147
27,335
868
91
0
0
600,305
0
431,815
28,747
4,815
0
309,920
434
4,334
62,567
53,366
35,020
5,247
104,549
208,855
17,471
3,847
4,204
3,500,682
27,919
0
13,366
0
5,039
2,350
107,775
1,120
611,089
15,298
226,008
454,720
3,599
11,350
0

100
100
100
50
100
100
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

32,734
27,233
8,465
6,332
656
504
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Page 2 of 3

Post-Merger
Weighted
Market
Share
(%)

Deposit
HHI

0.01
0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Branch
Count

Total
Deposits
in Market
($000)

Weighted
Deposits in
Market
($000)

Weighted
Market
Share
(%)

Deposit
HHI

1
1
1
1
1
1
40
9
2
1
1
11
2
15
1
7
1
1
6
8
1
1
8
1
1
1
3
7
3
1
1
34
1
1
1
7
1
1
5
1
17
1
6
2
1
1
1

32,734
27,233
8,465
12,663
656
504
0
145,147
27,335
868
91
0
0
600,305
0
431,815
28,747
4,815
0
309,920
434
4,334
62,567
53,366
35,020
5,247
104,549
208,855
17,471
3,847
4,204
3,500,682
27,919
0
13,366
0
5,039
2,350
107,775
1,120
611,089
15,298
226,008
454,720
3,599
11,350
0

32,734
27,233
8,465
6,332
656
504
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0.01
0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Ownership info as of 8/19/2015

Salt Lake City, UT - FRB Banking Market


DEPOSIT BASED HHI
FRB Initial Screen *

Pre-Merger
Pre
Post
Merger Merger
Rank
Rank Institution

Type

TOTALS:

PRE-MERGER HHI:
POST-MERGER HHI:
HHI CHANGE:

Branch
Count

Total
Deposits
in Market
($000)

477

426,503,231

Weight

Weighted
Market
Share
(%)

Deposit
HHI

403,401,747

100.00

1,295.74

1,296
1,413
117

Footnotes:
*
**

Post-Merger

Weighted
Deposits in
Market
($000)

FRB Initial Screen: Banks at 100%, Thrifts at 50%, Credit Unions at 0%


Pro Forma Ownership assumes that announced transactions have been completed

Page 3 of 3

Branch
Count

Total
Deposits
in Market
($000)

Weighted
Deposits in
Market
($000)

Weighted
Market
Share
(%)

Deposit
HHI

476

426,503,231

403,401,747

100.00

1,412.68

Ownership info as of 8/19/2015

Salt Lake City, UT - FRB Banking Market


DEPOSIT BASED HHI
DOJ Initial Screen *

Pre-Merger
Pre
Post
Merger Merger
Rank
Rank Institution

Type

Branch
Count

Total
Deposits
in Market
($000)

Post-Merger

Weight

Weighted
Deposits in
Market
($000)

Weighted
Market
Share
(%)

Deposit
HHI

BUYER
2
0

Goldman Sachs Group Inc.

Bank

64,629,000

100

64,629,000

16.69

278.42

TARGET
6
0

GE Capital Bank

Bank

14,722,753

100

14,722,753

3.80

14.45

RESULTING INSTITUTION
2
Goldman Sachs Group Inc.
100

Bank

OTHER INSTITUTIONS (Pro Forma **)


1
1
Morgan Stanley
3
3
Ally Financial Inc.
4
4
American Express Co.
5
5
UBS Group AG
7
6
CIT Group Inc.
8
7
JPMorgan Chase & Co.
9
8
Zions Bancorp.
10
9
Sallie Mae Bank
11
10
Wells Fargo & Co.
12
11
BMW of North America LLC
13
12
KeyCorp
14
13
UnitedHealth Group Inc.
15
14
WEX Bank
16
15
U.S. Bancorp
17
16
Comenity Capital Bank
18
17
Medallion Bank
19
18
EnerBank USA
20
19
Pitney Bowes Bank Inc.
21
20
Marlin Business Services Corp.
22
21
Republic Bank
23
22
First Utah Bancorp.
24
23
Celtic Bank
25
24
Washington Federal Inc.
26
25
BOU Bancorp Inc.
27
26
NHB Holdings Inc.
28
27
Brighton Bancorp
29
28
BNP Paribas SA
30
29
Continental BanCorp.
31
30
WebBank
32
31
People"s Utah Bancorp
33
32
Prime Alliance Bank
34
33
Home Credit Corp.
35
34
FNB Bancorp
36
35
Holladay Bank & Trust
37
36
Banner Corp.
38
37
Target Bank
39
38
All West Bancorp

Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank
Bank

1
1
2
1
1
35
45
1
48
1
23
1
1
43
1
1
1
1
1
1
7
1
7
3
1
4
4
1
1
4
1
2
3
1
3
1
1

96,362,000
56,298,644
41,572,141
40,508,678
13,867,492
11,729,225
9,659,550
9,546,014
7,676,308
6,321,177
2,477,999
2,447,967
1,593,559
1,495,963
1,237,641
775,853
731,643
616,300
532,290
314,764
264,890
240,868
224,873
175,473
159,709
156,024
149,759
138,334
136,964
131,144
124,322
89,391
67,402
43,955
39,854
32,734
27,233

100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100

96,362,000
56,298,644
41,572,141
40,508,678
13,867,492
11,729,225
9,659,550
9,546,014
7,676,308
6,321,177
2,477,999
2,447,967
1,593,559
1,495,963
1,237,641
775,853
731,643
616,300
532,290
314,764
264,890
240,868
224,873
175,473
159,709
156,024
149,759
138,334
136,964
131,144
124,322
89,391
67,402
43,955
39,854
32,734
27,233

Page 1 of 3

24.88
14.54
10.73
10.46
3.58
3.03
2.49
2.46
1.98
1.63
0.64
0.63
0.41
0.39
0.32
0.20
0.19
0.16
0.14
0.08
0.07
0.06
0.06
0.05
0.04
0.04
0.04
0.04
0.04
0.03
0.03
0.02
0.02
0.01
0.01
0.01
0.01

618.94
211.27
115.20
109.38
12.82
9.17
6.22
6.07
3.93
2.66
0.41
0.40
0.17
0.15
0.10
0.04
0.04
0.03
0.02
0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Branch
Count

Total
Deposits
in Market
($000)

Weighted
Deposits in
Market
($000)

Weighted
Market
Share
(%)

Deposit
HHI

79,351,753

79,351,753

20.49

419.71

1
1
2
1
1
35
45
1
48
1
23
1
1
43
1
1
1
1
1
1
7
1
7
3
1
4
4
1
1
4
1
2
3
1
3
1
1

96,362,000
56,298,644
41,572,141
40,508,678
13,867,492
11,729,225
9,659,550
9,546,014
7,676,308
6,321,177
2,477,999
2,447,967
1,593,559
1,495,963
1,237,641
775,853
731,643
616,300
532,290
314,764
264,890
240,868
224,873
175,473
159,709
156,024
149,759
138,334
136,964
131,144
124,322
89,391
67,402
43,955
39,854
32,734
27,233

96,362,000
56,298,644
41,572,141
40,508,678
13,867,492
11,729,225
9,659,550
9,546,014
7,676,308
6,321,177
2,477,999
2,447,967
1,593,559
1,495,963
1,237,641
775,853
731,643
616,300
532,290
314,764
264,890
240,868
224,873
175,473
159,709
156,024
149,759
138,334
136,964
131,144
124,322
89,391
67,402
43,955
39,854
32,734
27,233

24.88
14.54
10.73
10.46
3.58
3.03
2.49
2.46
1.98
1.63
0.64
0.63
0.41
0.39
0.32
0.20
0.19
0.16
0.14
0.08
0.07
0.06
0.06
0.05
0.04
0.04
0.04
0.04
0.04
0.03
0.03
0.02
0.02
0.01
0.01
0.01
0.01

618.94
211.27
115.20
109.38
12.82
9.17
6.22
6.07
3.93
2.66
0.41
0.40
0.17
0.15
0.10
0.04
0.04
0.03
0.02
0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Ownership info as of 8/19/2015

Salt Lake City, UT - FRB Banking Market


DEPOSIT BASED HHI
DOJ Initial Screen *

Pre-Merger
Pre
Post
Merger Merger
Rank
Rank Institution
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86

39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85

Type

Liberty Bank
Bank
First Electronic Bank
Bank
Franklin Resources Inc.
Bank
America First Federal Credit Union
CU
American United Family of Credit Unions Federal CCU
Associated Federal Employees FCU
CU
Bailey Inc. Employees Credit Union
CU
Beckstrand & Associates Credit Union
CU
Chartway Federal Credit Union
CU
Chevron Federal Credit Union
CU
Cyprus Federal Credit Union
CU
Delta Community Credit Union
CU
Deseret First Federal Credit Union
CU
Firefighters Credit Union
CU
Gibbons & Reed Employees FCU
CU
Goldenwest Federal Credit Union
CU
Granite Federal Credit Union
CU
Granite Furniture Employees FCU
CU
Grantsville Federal Credit Union
CU
Health Care Credit Union
CU
Hercules Credit Union
CU
Hi-Land Credit Union
CU
HollyFrontier Employee"s Credit Union
CU
Horizon Utah Federal Credit Union
CU
Jordan Federal Credit Union
CU
LU 354 IBEW Federal Credit Union
CU
Meadow Gold Employees Credit Union
CU
MidValley Federal Credit Union
CU
Mountain America Federal Credit Union
CU
National J.A.C.L. Credit Union
CU
Operating Engineers Local Union #3 Federal Cred CU
P & S Credit Union
CU
Security Service Federal Credit Union
CU
Tanner Employees Credit Union
CU
Teamsters Local #222 Federal Credit Union
CU
Transwest Credit Union
CU
UCB Credit Union
CU
University First Federal Credit Union
CU
Utah Federal Credit Union
CU
Utah First Federal Credit Union
CU
Utah Power Credit Union
CU
Utah Prison Employees Credit Union
CU
Varian Federal Credit Union
CU
Western Federal Credit Union
CU
Synchrony Bank
Thrift (c.a.)
CardWorks Inc.
Thrift
First American Financial Corp.
Thrift

Branch
Count

Total
Deposits
in Market
($000)

Weight

Weighted
Deposits in
Market
($000)

1
1
1
40
9
2
1
1
11
2
15
1
7
1
1
6
8
1
1
8
1
1
1
3
7
3
1
1
34
1
1
1
7
1
1
5
1
17
1
6
2
1
1
1
1
1
1

8,465
656
504
0
145,147
27,335
868
91
0
0
600,305
0
431,815
28,747
4,815
0
309,920
434
4,334
62,567
53,366
35,020
5,247
104,549
208,855
17,471
3,847
4,204
3,500,682
27,919
0
13,366
0
5,039
2,350
107,775
1,120
611,089
15,298
226,008
454,720
3,599
11,350
0
30,556,740
1,575,061
12,663

100
100
100
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

8,465
656
504
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Page 2 of 3

Post-Merger
Weighted
Market
Share
(%)

Deposit
HHI

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Branch
Count

Total
Deposits
in Market
($000)

Weighted
Deposits in
Market
($000)

Weighted
Market
Share
(%)

Deposit
HHI

1
1
1
40
9
2
1
1
11
2
15
1
7
1
1
6
8
1
1
8
1
1
1
3
7
3
1
1
34
1
1
1
7
1
1
5
1
17
1
6
2
1
1
1
1
1
1

8,465
656
504
0
145,147
27,335
868
91
0
0
600,305
0
431,815
28,747
4,815
0
309,920
434
4,334
62,567
53,366
35,020
5,247
104,549
208,855
17,471
3,847
4,204
3,500,682
27,919
0
13,366
0
5,039
2,350
107,775
1,120
611,089
15,298
226,008
454,720
3,599
11,350
0
30,556,740
1,575,061
12,663

8,465
656
504
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Ownership info as of 8/19/2015

Salt Lake City, UT - FRB Banking Market


DEPOSIT BASED HHI
DOJ Initial Screen *

Pre-Merger
Pre
Post
Merger Merger
Rank
Rank Institution

Type

TOTALS:

PRE-MERGER HHI:
POST-MERGER HHI:
HHI CHANGE:

Branch
Count

Total
Deposits
in Market
($000)

477

426,503,231

Weight

Weighted
Market
Share
(%)

Deposit
HHI

387,329,515

100.00

1,389.91

1,390
1,517
127

Footnotes:
*
**

Post-Merger

Weighted
Deposits in
Market
($000)

DOJ Initial Screen: Banks at 100%, Thrifts at 0%, Credit Unions at 0%


Pro Forma Ownership assumes that announced transactions have been completed

Page 3 of 3

Branch
Count

Total
Deposits
in Market
($000)

Weighted
Deposits in
Market
($000)

Weighted
Market
Share
(%)

Deposit
HHI

476

426,503,231

387,329,515

100.00

1,516.75

PUBLIC EXHIBIT 5
Goldman Sachs Bank USAs Community Reinvestment Act Performance Evaluation,
dated November 5, 2012

SC1:3928381.1

PUBLIC EXHIBIT 6
Form of Newspaper Notice
Notice of Application by Goldman Sachs Bank USA for the Acquisition by Purchase and
Assumption of Certain Deposit Liabilities and Certain Very Limited Non-Financial Assets
of GE Capital Bank
Goldman Sachs Bank USA, a New York state-chartered member bank headquartered at 200
West Street, New York, New York 10282 (GS Bank), has applied to the Federal Reserve
Board (Board) pursuant to the Bank Merger Act, 12 U.S.C. 1828(c), for permission to
acquire by purchase and assumption certain deposit liabilities and certain very limited nonfinancial assets of GE Capital Bank, a Utah state-chartered non-member industrial bank
headquartered at 6510 Millrock Drive, Suite #200, Holladay, Utah 84121. The Board will
consider a number of factors in deciding whether to approve the application, including the record
of performance of applicant banks in helping to meet local credit needs.
You are invited to submit comments in writing to this application to the Federal Reserve Bank of
New York (the Reserve Bank), Attention: Bank Applications Officer, 33 Liberty Street, New
York, NY 10045, or via email: comments.applications@ny.frb.org. The comment period will not
end before September 19, 2015, and may be somewhat longer. The Boards procedures for
processing applications may be found at 12 C.F.R. Part 262. Procedures for processing protested
applications may be found at 12 C.F.R. 262.25. If you need more information about how to
submit your comments on community affairs aspects of the application or to obtain copies of
relevant procedures contact Ms. Claire Kramer, Community Affairs, (212) 720-5371; other
questions, including those relating to general procedures, should be directed to Mr. Ivan J.
Hurwitz, Vice President, Bank Applications Function, (212) 720-5885. The Board will consider
your comments and any request for a public meeting or formal hearing on the application if they
are received in writing by the Reserve Bank on or before the last day of the comment period.

SC1:3928381.1

PUBLIC EXHIBIT 7
List of Directors and Senior Executive Officers of Goldman Sachs Bank USA
Board of Directors
E. Gerald Corrigan
Esta E. Stecher
Matthew W. Barrett
Elizabeth E. Robinson
Stephen Davies
Ann F. Kaplan
Thomas C. Melzer
Simon P. Morris
Jeffrey W. Schroeder

Chairman of the Board

Officers
Esta E. Stecher
Matthew T. Fremont-Smith
Thomas S. Riggs
Carey Halio
Connie J. Shoemaker
Stephen Davies
Thomas G. Young
Steven T. Elia
Felicia J. Rector
Stephanie P. Smith
Abraham Shua
Manas K. Phadnis
Thomas T. Morina
Ian Rathie

Chief Executive Officer


Chief Operating Officer
General Counsel
Chief Financial Officer
Chief Administrative Officer and Assistant Secretary
London Branch Manager
Chief Risk Officer and Chief Credit Officer
Chief Compliance Officer
Chief Compliance Officer - Swap Dealer
Head of Bank Operations
Chief Information Officer
Chief Market Risk Officer
Chief Privacy Officer
Chief Information Security Officer

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