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Village Bank <br />Legal Title of Bank <br />FDIC Certificate Number: 33761 <br />Schedule RC-O—Continued <br />Amounts reported in Memorandum items 6 through 9, 14, and 15 will not be made available to the public on an <br />individual institution basis <br />Memoranda —Continued <br />Dollar Amounts in Thousands <br />Memorandum items 6 through 12 are to be completed by "large institutions" and "highly <br />complex institutions" as defined in FDIC regulations. <br />6. Criticized and classified items: <br />a. Special mention <br />b. Substandard <br />c. Doubtful <br />d. Loss <br />7. "Nontraditional 1-4 family residential mortgage loans" as defined for assessment purposes <br />only in FDIC regulations <br />8. "Subprime consumer loans" as defined for assessment purposes only in FDIC regulations <br />9. "Leveraged loans and securities" as defined for assessment purposes only in FDIC regulations <br />10. Commitments to fund construction, land development, and other land loans secured by <br />real estate: <br />a. Total unfunded commitments <br />b. Portion of unfunded commitments guaranteed or insured by the U.S. government <br />(including the FDIC) <br />11. Amount of other real estate owned recoverable from the U.S. government under guarantee <br />or insurance provisions (excluding FDIC loss -sharing agreements) <br />12. Nonbrokered time deposits of more than $250,000 (included in Schedule RC-E, <br />Memorandum item 2.d) <br />Memorandum item 13.a is to be completed by "large institutions" and "highly complex <br />institutions" as defined in FDIC regulations. Memorandum items 13.b through 13.g are to be <br />completed by "large institutions" only. <br />13. Portion of funded loans guaranteed or insured by the U.S. government (excluding FDIC <br />loss -sharing agreements): <br />a. Construction, land development, and other land loans secured by real estate <br />b. Loans secured by multifamily residential and nonfarm nonresidential properties <br />c. Closed -end loans secured by fi rst liens on 1-4 family residential properties <br />d. Closed -end loans secured by junior liens on 1-4 family residential properties and <br />revolving, open-end loans secured by 1-4 family residential properties and extended <br />under lines of credit <br />e. Commercial and industrial loans <br />f. Credit card loans to individuals for household, family, and other personal expenditures <br />g. Revolving credit plans other than credit cards, automobile loans, and other consumer loans <br />Memorandum items 14 and 15 are to be completed by "highly complex <br />institutions" as defined in FDIC regulations. <br />14. Amount of the institution's largest counterparty exposure <br />15. Total amount of the institution's 20 largest counterparty exposures <br />RCON Bil I Mil I Thou <br />K663 <br />K664 <br />K665 <br />K666 <br />FFIEC 041 <br />Page 52 of 71 <br />RC-39 <br />N/A M.6.a <br />N/A M.6.b <br />N/A M.6.c <br />N/A M.6.d <br />M.7 <br />M.8 <br />M.9 <br />N/A M.10.a <br />N/A M.10.b <br />N/A M.11 <br />N/A M.12 <br />K679 N/A M.13.a <br />K680 N/A M.13.b <br />K681 N/A M.13.c <br />K682 <br />K670 <br />K671 <br />K672 <br />N/A M.13.d <br />N/A M.13.e <br />N/A M.13.f <br />N/A M.13.g <br />M.14 <br />M.15 <br />