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Riverside National Bank of Florida, Total Unused Commitments

2010-03-31Rank
Total unused commitments$154,380,000530
Loan commitments-revolving, open-end lines secured by 1-4's$98,055,000204
Credit card lines$01,550
Commercial real estate, construction & land development$14,882,000811
Commitments secured by real estate$14,882,000777
Commitments not secured by real estate$0824
Securities underwriting$07
Other unused commitments$41,443,000824
Memoranda:
Commitments with an original maturity exceeding 1 yr$145,007,000192
Securities lent$041
All other off-balance sheet liabilities$7,305,000264
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bankNANA
Acquired by reporting bank$08
2009-12-31Rank
Total unused commitments$160,201,000528
Loan commitments-revolving, open-end lines secured by 1-4's$98,370,000206
Credit card lines$01,589
Commercial real estate, construction & land development$17,966,000722
Commitments secured by real estate$17,966,000694
Commitments not secured by real estate$0837
Securities underwriting$05
Other unused commitments$43,865,000778
Memoranda:
Commitments with an original maturity exceeding 1 yr$151,152,000195
Securities lent$046
All other off-balance sheet liabilities$7,305,000284
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bankNANA
Acquired by reporting bank$08
2009-09-30Rank
Total unused commitments$171,155,000526
Loan commitments-revolving, open-end lines secured by 1-4's$101,603,000206
Credit card lines$01,612
Commercial real estate, construction & land development$22,806,000647
Commitments secured by real estate$22,806,000621
Commitments not secured by real estate$0873
Securities underwriting$06
Other unused commitments$46,746,000757
Memoranda:
Commitments with an original maturity exceeding 1 yr$163,016,000202
Securities lent$044
All other off-balance sheet liabilities$0624
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bankNANA
Acquired by reporting bank$07
2009-06-30Rank
Total unused commitments$192,568,000494
Loan commitments-revolving, open-end lines secured by 1-4's$105,479,000205
Credit card lines$01,640
Commercial real estate, construction & land development$31,224,000523
Commitments secured by real estate$31,224,000504
Commitments not secured by real estate$0904
Securities underwriting$05
Other unused commitments$55,865,000660
Memoranda:
Commitments with an original maturity exceeding 1 yr$183,918,000192
Securities lent$042
All other off-balance sheet liabilities$0638
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bankNANA
Acquired by reporting bank$09
2009-03-31Rank
Total unused commitments$220,414,000481
Loan commitments-revolving, open-end lines secured by 1-4's$114,788,000202
Credit card lines$01,669
Commercial real estate, construction & land development$42,304,000436
Commitments secured by real estate$42,302,000419
Commitments not secured by real estate$2,000950
Securities underwriting$06
Other unused commitments$63,322,000615
Memoranda:
Commitments with an original maturity exceeding 1 yr$211,137,000173
Securities lent$044
All other off-balance sheet liabilities$0614
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bankNANA
Acquired by reporting bank$08
2008-12-31Rank
Total unused commitments$245,728,000459
Loan commitments-revolving, open-end lines secured by 1-4's$118,181,000200
Credit card lines$01,695
Commercial real estate, construction & land development$64,545,000332
Commitments secured by real estate$64,543,000322
Commitments not secured by real estate$2,000968
Securities underwriting$07
Other unused commitments$63,002,000599
Memoranda:
Commitments with an original maturity exceeding 1 yr$235,443,000176
Securities lent$047
All other off-balance sheet liabilities$0596
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bankNANA
Acquired by reporting bank$09
2008-09-30Rank
Total unused commitments$322,512,000402
Loan commitments-revolving, open-end lines secured by 1-4's$158,588,000168
Credit card lines$01,718
Commercial real estate, construction & land development$91,342,000289
Commitments secured by real estate$91,340,000280
Commitments not secured by real estate$2,000978
Securities underwriting$010
Other unused commitments$72,582,000559
Memoranda:
Commitments with an original maturity exceeding 1 yr$300,712,000160
Securities lent$048
All other off-balance sheet liabilities$0565
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bankNANA
Acquired by reporting bank$08
2008-06-30Rank
Total unused commitments$353,033,000392
Loan commitments-revolving, open-end lines secured by 1-4's$162,172,000166
Credit card lines$01,756
Commercial real estate, construction & land development$116,475,000264
Commitments secured by real estate$116,473,000256
Commitments not secured by real estate$2,000967
Securities underwriting$010
Other unused commitments$74,386,000555
Memoranda:
Commitments with an original maturity exceeding 1 yr$334,904,000160
Securities lent$054
All other off-balance sheet liabilities$0574
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bankNANA
Acquired by reporting bank$08
2008-03-31Rank
Total unused commitments$362,668,000395
Loan commitments-revolving, open-end lines secured by 1-4's$166,318,000165
Credit card lines$01,791
Commercial real estate, construction & land development$126,682,000253
Commitments secured by real estate$126,682,000242
Commitments not secured by real estate$0986
Securities underwriting$07
Other unused commitments$69,668,000572
Memoranda:
Commitments with an original maturity exceeding 1 yr$340,112,000163
Securities lent$051
All other off-balance sheet liabilities$0562
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bankNANA
Acquired by reporting bank$08
2007-12-31Rank
Total unused commitments$346,569,000414
Loan commitments-revolving, open-end lines secured by 1-4's$163,418,000167
Credit card lines$01,820
Commercial real estate, construction & land development$119,269,000288
Commitments secured by real estate$119,269,000280
Commitments not secured by real estate$0975
Securities underwriting$06
Other unused commitments$63,882,000626
Memoranda:
Commitments with an original maturity exceeding 1 yr$335,036,000164
Securities lent$059
All other off-balance sheet liabilities$0527
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bankNANA
Acquired by reporting bank$07
2007-09-30Rank
Total unused commitments$367,441,000401
Loan commitments-revolving, open-end lines secured by 1-4's$169,482,000158
Credit card lines$01,839
Commercial real estate, construction & land development$126,694,000292
Commitments secured by real estate$126,694,000279
Commitments not secured by real estate$0942
Securities underwriting$06
Other unused commitments$71,265,000568
Memoranda:
Commitments with an original maturity exceeding 1 yr$355,223,000156
Securities lent$052
All other off-balance sheet liabilities$0505
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bankNANA
Acquired by reporting bank$08
2007-06-30Rank
Total unused commitments$358,623,000416
Loan commitments-revolving, open-end lines secured by 1-4's$167,558,000167
Credit card lines$3,137,000660
Commercial real estate, construction & land development$118,579,000308
Commitments secured by real estate$118,579,000299
Commitments not secured by real estate$0963
Securities underwriting$07
Other unused commitments$69,349,000574
Memoranda:
Commitments with an original maturity exceeding 1 yr$342,167,000165
Securities lent$053
All other off-balance sheet liabilities$0513
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bankNANA
Acquired by reporting bank$010
2007-03-31Rank
Total unused commitments$341,944,000424
Loan commitments-revolving, open-end lines secured by 1-4's$162,958,000169
Credit card lines$3,138,000663
Commercial real estate, construction & land development$114,653,000321
Commitments secured by real estate$114,653,000309
Commitments not secured by real estate$0923
Securities underwriting$06
Other unused commitments$61,195,000636
Memoranda:
Commitments with an original maturity exceeding 1 yr$322,832,000166
Securities lent$056
All other off-balance sheet liabilities$0487
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bankNANA
Acquired by reporting bank$010
2006-12-31Rank
Total unused commitments$352,394,000409
Loan commitments-revolving, open-end lines secured by 1-4's$158,213,000168
Credit card lines$3,055,000653
Commercial real estate, construction & land development$131,555,000273
Commitments secured by real estate$131,555,000263
Commitments not secured by real estate$0874
Securities underwriting$07
Other unused commitments$59,571,000638
Memoranda:
Commitments with an original maturity exceeding 1 yr$329,116,000164
Securities lent$049
All other off-balance sheet liabilities$0481
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bankNANA
Acquired by reporting bank$010
2006-09-30Rank
Total unused commitments$371,093,000408
Loan commitments-revolving, open-end lines secured by 1-4's$153,932,000180
Credit card lines$01,917
Commercial real estate, construction & land development$150,991,000247
Commitments secured by real estate$150,991,000236
Commitments not secured by real estate$0840
Securities underwriting$07
Other unused commitments$66,170,000614
Memoranda:
Commitments with an original maturity exceeding 1 yr$348,555,000158
Securities lent$045
All other off-balance sheet liabilities$0461
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bankNANA
Acquired by reporting bank$010
2006-06-30Rank
Total unused commitments$322,289,000449
Loan commitments-revolving, open-end lines secured by 1-4's$138,750,000198
Credit card lines$01,932
Commercial real estate, construction & land development$129,303,000286
Commitments secured by real estate$129,303,000276
Commitments not secured by real estate$0846
Securities underwriting$07
Other unused commitments$54,236,000710
Memoranda:
Commitments with an original maturity exceeding 1 yr$311,612,000179
Securities lent$047
All other off-balance sheet liabilities$0442
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bankNANA
Acquired by reporting bank$011
2006-03-31Rank
Total unused commitments$318,346,000447
Loan commitments-revolving, open-end lines secured by 1-4's$128,862,000204
Credit card lines$01,970
Commercial real estate, construction & land development$132,250,000274
Commitments secured by real estate$132,250,000265
Commitments not secured by real estate$0816
Securities underwriting$07
Other unused commitments$57,234,000661
Memoranda:
Commitments with an original maturity exceeding 1 yr$306,878,000175
Securities lent$045
All other off-balance sheet liabilities$0430
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bankNANA
Acquired by reporting bank$014
2005-12-31Rank
Total unused commitments$294,006,000453
Loan commitments-revolving, open-end lines secured by 1-4's$115,966,000215
Credit card lines$01,992
Commercial real estate, construction & land development$128,899,000276
Commitments secured by real estate$128,899,000265
Commitments not secured by real estate$0803
Securities underwriting$07
Other unused commitments$49,141,000741
Memoranda:
Commitments with an original maturity exceeding 1 yr$282,092,000174
Securities lent$045
All other off-balance sheet liabilities$0302
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bank$045
Acquired by reporting bank$015
2005-09-30Rank
Total unused commitments$287,275,000447
Loan commitments-revolving, open-end lines secured by 1-4's$107,771,000224
Credit card lines$02,022
Commercial real estate, construction & land development$132,256,000251
Commitments secured by real estate$132,256,000242
Commitments not secured by real estate$0800
Securities underwriting$07
Other unused commitments$47,248,000754
Memoranda:
Commitments with an original maturity exceeding 1 yr$278,453,000172
Securities lent$047
All other off-balance sheet liabilities$0296
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bank$049
Acquired by reporting bank$016
2005-06-30Rank
Total unused commitments$270,143,000461
Loan commitments-revolving, open-end lines secured by 1-4's$94,158,000238
Credit card lines$02,052
Commercial real estate, construction & land development$130,316,000237
Commitments secured by real estate$130,316,000229
Commitments not secured by real estate$0763
Securities underwriting$07
Other unused commitments$45,669,000747
Memoranda:
Commitments with an original maturity exceeding 1 yr$262,264,000172
Securities lent$044
All other off-balance sheet liabilities$0290
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bank$045
Acquired by reporting bank$015
2005-03-31Rank
Total unused commitments$234,731,000498
Loan commitments-revolving, open-end lines secured by 1-4's$78,745,000274
Credit card lines$02,078
Commercial real estate, construction & land development$111,208,000256
Commitments secured by real estate$111,208,000247
Commitments not secured by real estate$0778
Securities underwriting$07
Other unused commitments$44,778,000750
Memoranda:
Commitments with an original maturity exceeding 1 yr$228,002,000176
Securities lent$045
All other off-balance sheet liabilities$0300
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bank$044
Acquired by reporting bank$016
2004-12-31Rank
Total unused commitments$206,821,000533
Loan commitments-revolving, open-end lines secured by 1-4's$67,597,000310
Credit card lines$02,092
Commercial real estate, construction & land development$98,184,000273
Commitments secured by real estate$98,184,000267
Commitments not secured by real estate$0755
Securities underwriting$08
Other unused commitments$41,040,000788
Memoranda:
Commitments with an original maturity exceeding 1 yr$200,708,000188
Securities lent$039
All other off-balance sheet liabilities$0281
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bank$043
Acquired by reporting bank$017
2004-09-30Rank
Total unused commitments$178,049,000590
Loan commitments-revolving, open-end lines secured by 1-4's$58,807,000336
Credit card lines$02,153
Commercial real estate, construction & land development$88,257,000287
Commitments secured by real estate$88,257,000277
Commitments not secured by real estate$0802
Securities underwriting$07
Other unused commitments$30,985,000973
Memoranda:
Commitments with an original maturity exceeding 1 yr$172,402,000205
Securities lent$042
All other off-balance sheet liabilities$0271
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bank$040
Acquired by reporting bank$013
2004-06-30Rank
Total unused commitments$162,747,000617
Loan commitments-revolving, open-end lines secured by 1-4's$49,563,000374
Credit card lines$02,201
Commercial real estate, construction & land development$84,826,000281
Commitments secured by real estate$84,826,000274
Commitments not secured by real estate$0797
Securities underwriting$06
Other unused commitments$28,358,0001,051
Memoranda:
Commitments with an original maturity exceeding 1 yr$151,637,000213
Securities lent$041
All other off-balance sheet liabilities$0293
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bank$037
Acquired by reporting bank$011
2004-03-31Rank
Total unused commitments$132,885,000697
Loan commitments-revolving, open-end lines secured by 1-4's$43,217,000400
Credit card lines$02,253
Commercial real estate, construction & land development$69,906,000312
Commitments secured by real estate$69,906,000298
Commitments not secured by real estate$0806
Securities underwriting$06
Other unused commitments$19,762,0001,450
Memoranda:
Commitments with an original maturity exceeding 1 yr$126,084,000226
Securities lent$043
All other off-balance sheet liabilities$0311
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bank$039
Acquired by reporting bank$012
2003-12-31Rank
Total unused commitments$116,636,000752
Loan commitments-revolving, open-end lines secured by 1-4's$35,204,000380
Credit card lines$02,174
Commercial real estate, construction & land development$62,187,000346
Commitments secured by real estate$62,187,000335
Commitments not secured by real estate$0819
Securities underwriting$07
Other unused commitments$19,245,0001,395
Memoranda:
Commitments with an original maturity exceeding 1 yr$110,036,000248
Securities lent$052
All other off-balance sheet liabilities$0292
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bank$038
Acquired by reporting bank$013
2003-09-30Rank
Total unused commitments$101,366,000853
Loan commitments-revolving, open-end lines secured by 1-4's$28,960,000447
Credit card lines$02,194
Commercial real estate, construction & land development$51,947,000387
Commitments secured by real estate$51,947,000378
Commitments not secured by real estate$0858
Securities underwriting$06
Other unused commitments$20,459,0001,323
Memoranda:
Commitments with an original maturity exceeding 1 yr$87,953,000299
Securities lent$063
All other off-balance sheet liabilities$0324
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bank$038
Acquired by reporting bank$013
2003-06-30Rank
Total unused commitments$94,069,000897
Loan commitments-revolving, open-end lines secured by 1-4's$22,676,000527
Credit card lines$02,230
Commercial real estate, construction & land development$50,573,000383
Commitments secured by real estate$50,573,000377
Commitments not secured by real estate$0913
Securities underwriting$06
Other unused commitments$20,820,0001,294
Memoranda:
Commitments with an original maturity exceeding 1 yr$76,530,000308
Securities lent$061
All other off-balance sheet liabilities$0348
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bank$038
Acquired by reporting bank$013
2003-03-31Rank
Total unused commitments$92,900,000868
Loan commitments-revolving, open-end lines secured by 1-4's$21,997,000514
Credit card lines$02,280
Commercial real estate, construction & land development$48,825,000379
Commitments secured by real estate$48,825,000370
Commitments not secured by real estate$0929
Securities underwriting$07
Other unused commitments$22,078,0001,213
Memoranda:
Commitments with an original maturity exceeding 1 yr$60,780,000376
Securities lent$061
All other off-balance sheet liabilities$0341
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bank$038
Acquired by reporting bank$013
2002-12-31Rank
Total unused commitments$81,005,000936
Loan commitments-revolving, open-end lines secured by 1-4's$20,324,000521
Credit card lines$02,321
Commercial real estate, construction & land development$41,408,000417
Commitments secured by real estate$41,408,000406
Commitments not secured by real estate$0921
Securities underwriting$07
Other unused commitments$19,273,0001,317
Memoranda:
Commitments with an original maturity exceeding 1 yr$39,092,000489
Securities lent$061
All other off-balance sheet liabilities$0293
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bank$036
Acquired by reporting bank$014
2001-12-31Rank
Total unused commitments$58,855,0001,122
Loan commitments-revolving, open-end lines secured by 1-4's$17,088,000526
Credit card lines$02,495
Commercial real estate, construction & land development$25,515,000589
Commitments secured by real estate$25,515,000568
Commitments not secured by real estate$0981
Securities underwriting$08
Other unused commitments$16,252,0001,471
Memoranda:
Commitments with an original maturity exceeding 1 yr$19,783,000709
Securities lent$063
All other off-balance sheet liabilities$0274
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bank$036
Acquired by reporting bank$020
2000-12-31Rank
Total unused commitments$44,890,0001,271
Loan commitments-revolving, open-end lines secured by 1-4's$12,281,000652
Credit card lines$03,061
Commercial real estate, construction & land development$19,584,000690
Commitments secured by real estate$19,584,000669
Commitments not secured by real estate$0989
Securities underwriting$09
Other unused commitments$13,025,0001,650
Memoranda:
Commitments with an original maturity exceeding 1 yr$20,959,000640
Securities lent$075
All other off-balance sheet liabilities$066
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bank$028
Acquired by reporting bank$040
1999-12-31Rank
Total unused commitments$45,636,0001,283
Loan commitments-revolving, open-end lines secured by 1-4's$11,935,000676
Credit card lines$03,256
Commercial real estate, construction & land development$32,830,000446
Commitments secured by real estate$23,382,000546
Commitments not secured by real estate$9,448,000123
Securities underwriting$012
Other unused commitments$871,0006,815
Memoranda:
Commitments with an original maturity exceeding 1 yr$19,684,000672
Securities lent$086
All other off-balance sheet liabilities$064
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bank$032
Acquired by reporting bank$046
1998-12-31Rank
Total unused commitments$29,142,0001,708
Loan commitments-revolving, open-end lines secured by 1-4's$9,882,000727
Credit card lines$03,409
Commercial real estate, construction & land development$8,750,0001,183
Commitments secured by real estate$6,567,0001,418
Commitments not secured by real estate$2,183,000266
Securities underwriting$013
Other unused commitments$10,510,0001,894
Memoranda:
Commitments with an original maturity exceeding 1 yr$14,243,000727
Securities lent$092
All other off-balance sheet liabilities$057
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bank$032
Acquired by reporting bank$060
1997-12-31Rank
Total unused commitments$35,696,0001,378
Loan commitments-revolving, open-end lines secured by 1-4's$11,367,000611
Credit card lines$8,497,000439
Commercial real estate, construction & land development$3,229,0002,140
Commitments secured by real estate$2,986,0002,159
Commitments not secured by real estate$243,000676
Securities underwriting$016
Other unused commitments$12,603,0001,515
Memoranda:
Commitments with an original maturity exceeding 1 yr$4,499,0001,428
Securities lent$0105
All other off-balance sheet liabilities$059
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bank$042
Acquired by reporting bank$055
1996-12-31Rank
Total unused commitments$33,879,0001,419
Loan commitments-revolving, open-end lines secured by 1-4's$11,639,000636
Credit card lines$8,235,000503
Commercial real estate, construction & land development$2,331,0002,538
Commitments secured by real estate$2,064,0002,640
Commitments not secured by real estate$267,000698
Securities underwriting$014
Other unused commitments$11,674,0001,639
Memoranda:
Commitments with an original maturity exceeding 1 yr$3,330,0001,716
Securities lent$0139
All other off-balance sheet liabilities$045
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bank$048
Acquired by reporting bank$059
1995-12-31Rank
Total unused commitments$61,007,000927
Loan commitments-revolving, open-end lines secured by 1-4's$11,331,000650
Credit card lines$7,434,000605
Commercial real estate, construction & land development$5,598,0001,339
Commitments secured by real estate$5,439,0001,304
Commitments not secured by real estate$159,000826
Securities underwriting$019
Other unused commitments$36,644,000669
Memoranda:
Commitments with an original maturity exceeding 1 yr$3,602,0001,598
Securities lent$0168
All other off-balance sheet liabilities$051
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bank$052
Acquired by reporting bank$062
1994-12-31Rank
Total unused commitments$45,387,0001,064
Loan commitments-revolving, open-end lines secured by 1-4's$11,536,000619
Credit card lines$4,290,000772
Commercial real estate, construction & land development$9,044,000837
Commitments secured by real estate$8,805,000814
Commitments not secured by real estate$239,000678
Securities underwriting$022
Other unused commitments$20,517,000975
Memoranda:
Commitments with an original maturity exceeding 1 yr$1,969,0002,049
Securities lent$0184
All other off-balance sheet liabilities$059
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bank$052
Acquired by reporting bank$095
1993-12-31Rank
Total unused commitments$34,289,0001,320
Loan commitments-revolving, open-end lines secured by 1-4's$11,433,000615
Credit card lines$2,684,000976
Commercial real estate, construction & land development$7,639,000858
Commitments secured by real estate$7,486,000818
Commitments not secured by real estate$153,000864
Securities underwriting$031
Other unused commitments$12,533,0001,363
Memoranda:
Commitments with an original maturity exceeding 1 yr$941,0002,635
Securities lent$0256
All other off-balance sheet liabilities$073
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bank$048
Acquired by reporting bank$0102
1992-12-31Rank
Total unused commitments$20,948,0001,785
Loan commitments-revolving, open-end lines secured by 1-4's$9,042,000704
Credit card lines$2,662,000995
Commercial real estate, construction & land development$807,0003,588
Commitments secured by real estate$807,0003,417
Commitments not secured by real estate$01,780
Securities underwriting$026
Other unused commitments$8,437,0001,795
Memoranda:
Commitments with an original maturity exceeding 1 yr$351,0003,316
Securities lent$0206
All other off-balance sheet liabilities$067
Remaining maturity or repricing frequency of:
Conveyed to others by reporting bank$054
Acquired by reporting bank$0109