CAPITALSOURCE INC - FORM 8-K - EX-99.1

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8-K - FORM 8-K - CAPITALSOURCE INC	w81401e8vk.htm

Exhibit 99.1

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		CAPITALSOURCE BANK
City		LOS ANGELES
State		CA
Zip Code		90071
Call Report Quarter End Date		12/31/2010
Report Type		041
RSSD-ID		3806100
FDIC Certificate Number		58878
OCC Charter Number		0
ABA Routing Number		322286447
Last updated on		1/30/2011

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


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		2

Bank Demographic Information


Dollar amounts in thousands
1. Reporting date	RCON9999		20101231	1.
2. FDIC certificate number	RSSD9050		58878	2.
3. Legal title of bank	RSSD9017	Click here for value		3.
4. City	RSSD9130	Los Angeles		4.
5. State abbreviation	RSSD9200	CA		5.
6. Zip code	RSSD9220		90071	6.

(RSSD9017) CapitalSource Bank

Contact Information

Dollar amounts in thousands
1. Contact Information for the Reports of Condition and Income				1.
a. Chief Financial Officer (or Equivalent) Signing the Reports				1.a.
1. Name	TEXTC490	CONF		1.a.1.
2. Title	TEXTC491	CONF		1.a.2.
3. E-mail Address	TEXTC492	CONF		1.a.3.
4. Telephone	TEXTC493	CONF		1.a.4.
5. FAX	TEXTC494	CONF		1.a.5.
b. Other Person to Whom Questions about the Reports Should be Directed				1.b.
1. Name	TEXTC495	CONF		1.b.1.
2. Title	TEXTC496	CONF		1.b.2.
3. E-mail Address	TEXT4086	CONF		1.b.3.
4. Telephone	TEXT8902	CONF		1.b.4.
5. FAX	TEXT9116	CONF		1.b.5.
2. Person to whom questions about Schedule RC-T – Fiduciary and Related Services should be directed				2.
a. Name and Title	TEXTB962	CONF		2.a.
b. E-mail Address	TEXTB926	CONF		2.b.
c. Telephone	TEXTB963	CONF		2.c.
d. FAX	TEXTB964	CONF		2.d.
3. Emergency Contact Information				3.
a. Primary Contact				3.a.
1. Name	TEXTC366	CONF		3.a.1.
2. Title	TEXTC367	CONF		3.a.2.
3. E-mail Address	TEXTC368	CONF		3.a.3.
4. Telephone	TEXTC369	CONF		3.a.4.
5. FAX	TEXTC370	CONF		3.a.5.
b. Secondary Contact				3.b.
1. Name	TEXTC371	CONF		3.b.1.
2. Title	TEXTC372	CONF		3.b.2.
3. E-mail Address	TEXTC373	CONF		3.b.3.
4. Telephone	TEXTC374	CONF		3.b.4.
5. FAX	TEXTC375	CONF		3.b.5.
4. USA PATRIOT Act Section 314(a) Anti-Money Laundering Contact Information				4.
a. Primary Contact				4.a.
1. Name	TEXTC437	CONF		4.a.1.
2. Title	TEXTC438	CONF		4.a.2.
3. E-mail Address	TEXTC439	CONF		4.a.3.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		3


Dollar amounts in thousands
4. Telephone	TEXTC440	CONF	4.a.4.
b. Secondary Contact			4.b.
1. Name	TEXTC442	CONF	4.b.1.
2. Title	TEXTC443	CONF	4.b.2.
3. E-mail Address	TEXTC444	CONF	4.b.3.
4. Telephone	TEXTC445	CONF	4.b.4.
c. Third Contact			4.c.
1. Name	TEXTC870	CONF	4.c.1.
2. Title	TEXTC871	CONF	4.c.2.
3. E-mail Address	TEXTC872	CONF	4.c.3.
4. Telephone	TEXTC873	CONF	4.c.4.
d. Fourth Contact			4.d.
1. Name	TEXTC875	CONF	4.d.1.
2. Title	TEXTC876	CONF	4.d.2.
3. E-mail Address	TEXTC877	CONF	4.d.3.
4. Telephone	TEXTC878	CONF	4.d.4.

Optional Narrative Statement Concerning the Amounts Reported in the Reports of Condition and Income


Dollar amounts in thousands
1. Comments?	RCON6979	No	1.
2. Bank Management Statement	TEXT6980		2.

Schedule RI — Income Statement


Dollar amounts in thousands
1. Interest income:			1.
a. Interest and fee income on loans:			1.a.
1. Loans secured by real estate:			1.a.1.
a. Loans secured by 1-4 family residential properties	RIAD4435	0	1.a.1.a.
b. All other loans secured by real estate	RIAD4436	103,550	1.a.1.b.
2. Commercial and industrial loans	RIAD4012	135,974	1.a.2.
3. Loans to individuals for household, family, and other personal expenditures:			1.a.3.
a. Credit cards	RIADB485	0	1.a.3.a.
b. Other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards)	RIADB486	0	1.a.3.b.
4. Loans to foreign governments and official institutions	RIAD4056	0	1.a.4.
5. All other loans	RIAD4058	39,003	1.a.5.
6. Total interest and fee income on loans	RIAD4010	278,527	1.a.6.
b. Income from lease financing receivables	RIAD4065	1,729	1.b.
c. Interest income on balances due from depository institutions	RIAD4115	246	1.c.
d. Interest and dividend income on securities:			1.d.
1. U.S. Treasury securities and U.S. Government agency obligations (excluding mortgage-backed securities)	RIADB488	6,952	1.d.1.
2. Mortgage-backed securities	RIADB489	51,746	1.d.2.
3. All other securities (includes securities issued by states and political subdivisions in the U.S.)	RIAD4060	1,260	1.d.3.
e. Interest income from trading assets	RIAD4069	0	1.e.
f. Interest income on federal funds sold and securities purchased under agreements to resell	RIAD4020	0	1.f.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		4


Dollar amounts in thousands
g. Other interest income	RIAD4518	620	1.g.
h. Total interest income	RIAD4107	341,080	1.h.
2. Interest expense:			2.
a. Interest on deposits:			2.a.
1. Transaction accounts (NOW accounts, ATS accounts, and telephone and preauthorized transfer accounts)	RIAD4508	0	2.a.1.
2. Nontransaction accounts:			2.a.2.
a. Savings deposits (includes MMDAs)	RIAD0093	8,291	2.a.2.a.
b. Time deposits of $100,000 or more	RIADA517	23,380	2.a.2.b.
c. Time deposits of less than $100,000	RIADA518	28,381	2.a.2.c.
b. Expense of federal funds purchased and securities sold under agreements to repurchase	RIAD4180	0	2.b.
c. Interest on trading liabilities and other borrowed money	RIAD4185	5,215	2.c.
d. Interest on subordinated notes and debentures	RIAD4200	0	2.d.
e. Total interest expense	RIAD4073	65,267	2.e.
3. Net interest income	RIAD4074	275,813	3.
4. Provision for loan and lease losses	RIAD4230	117,105	4.
5. Noninterest income:			5.
a. Income from fiduciary activities	RIAD4070	0	5.a.
b. Service charges on deposit accounts	RIAD4080	220	5.b.
c. Trading revenue	RIADA220	0	5.c.
d. Not available			5.d.
1. Fees and commissions from securities brokerage	RIADC886	0	5.d.1.
2. Investment banking, advisory, and underwriting fees and commissions	RIADC888	0	5.d.2.
3. Fees and commissions from annuity sales	RIADC887	0	5.d.3.
4. Underwriting income from insurance and reinsurance activities	RIADC386	0	5.d.4.
5. Income from other insurance activities	RIADC387	0	5.d.5.
e. Venture capital revenue	RIADB491	0	5.e.
f. Net servicing fees	RIADB492	20,971	5.f.
g. Net securitization income	RIADB493	0	5.g.
h. Not applicable			5.h.
i. Net gains (losses) on sales of loans and leases	RIAD5416	-750	5.i.
j. Net gains (losses) on sales of other real estate owned	RIAD5415	-1,858	5.j.
k. Net gains (losses) on sales of other assets (excluding securities)	RIADB496	0	5.k.
l. Other noninterest income	RIADB497	6,701	5.l.
m. Total noninterest income	RIAD4079	25,284	5.m.
6. Not available			6.
a. Realized gains (losses) on held-to-maturity securities	RIAD3521	0	6.a.
b. Realized gains (losses) on available-for-sale securities	RIAD3196	0	6.b.
7. Noninterest expense:			7.
a. Salaries and employee benefits	RIAD4135	43,694	7.a.
b. Expenses of premises and fixed assets (net of rental income) (excluding salaries and employee benefits and mortgage interest)	RIAD4217	14,030	7.b.
c. Not available			7.c.
1. Goodwill impairment losses	RIADC216	0	7.c.1.
2. Amortization expense and impairment losses for other intangible assets	RIADC232	196	7.c.2.
d. Other noninterest expense	RIAD4092	60,828	7.d.
e. Total noninterest expense	RIAD4093	118,748	7.e.
8. Income (loss) before income taxes and extraordinary items and other adjustments	RIAD4301	65,244	8.
9. Applicable income taxes (on item 8)	RIAD4302	13,629	9.
10. Income (loss) before extraordinary items and other adjustments	RIAD4300	51,615	10.


CAPITALSOURCE BANK RSSD-ID 3806100 Last Updated on 1/30/2011		FFIEC 041 Quarter End Date 12/31/2010 5


Dollar amounts in thousands
11. Extraordinary items and other adjustments, net of income taxes	RIAD4320		0	11.
12. Net income (loss) attributable to bank and noncontrolling (minority) interests (sum of items 10 and 11)	RIADG104		51,615	12.
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)	RIADG103		0	13.
14. Net income (loss) attributable to bank (item 12 minus item 13)	RIAD4340		51,615	14.
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	RIAD4513		0	M.1.
2. Income from the sale and servicing of mutual funds and annuities (included in Schedule RI, item 8)	RIAD8431		0	M.2.
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)	RIAD4313		0	M.3.
4. Income on tax-exempt securities issued by states and political subdivisions in the U.S. (included in Schedule RI, item 1.d.(3))	RIAD4507		0	M.4.
5. Number of full-time equivalent employees at end of current period	RIAD4150		323	M.5.
6. Interest and fee income on loans to finance agricultural production and other loans to farmers (included in Schedule RI, item 1.a.(5))	RIAD4024		0	M.6.
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	RIAD9106		0	M.7.
8. Trading revenue (from cash instruments and derivative instruments):				M.8.
a. Interest rate exposures	RIAD8757	NR		M.8.a.
b. Foreign exchange exposures	RIAD8758	NR		M.8.b.
c. Equity security and index exposures	RIAD8759	NR		M.8.c.
d. Commodity and other exposures	RIAD8760	NR		M.8.d.
e. Credit exposures	RIADF186	NR		M.8.e.
9. Net gains (losses) recognized in earnings on credit derivatives that economically hedge credit exposures held outside the trading account:				M.9.
a. Net gains (losses) on credit derivatives held for trading	RIADC889		0	M.9.a.
b. Net gains (losses) on credit derivatives held for purposes other than trading	RIADC890		0	M.9.b.
10. Credit losses on derivatives	RIADA251		0	M.10.
11. Does the reporting bank have a Subchapter S election in effect for federal income tax purposes for the current tax year?	RIADA530	No		M.11.
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))	RIADF228	NR		M.12.
13. Net gains (losses) recognized in earnings on assets and liabilities that are reported at fair value under a fair value option:				M.13.
a. Net gains (losses) on assets	RIADF551	NR		M.13.a.
1. Estimated net gains (losses) on loans attributable to changes in instrument-specific credit risk	RIADF552	NR		M.13.a.1.
b. Net gains (losses) on liabilities	RIADF553	NR		M.13.b.
1. Estimated net gains (losses) on liabilities attributable to changes in instrument-specific credit risk	RIADF554	NR		M.13.b.1.
14. Other-than-temporary impairment losses on held-to-maturity and available-for-sale debt securities:				M.14.
a. Total other-than-temporary impairment losses	RIADJ319		0	M.14.a.
b. Portion of losses recognized in other comprehensive income (before income taxes)	RIADJ320		0	M.14.b.
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)	RIADJ321		0	M.14.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, 2009, Reports of Condition and Income (i.e., after adjustments from amended Reports of Income)	RIAD3217	868,324	1.


CAPITALSOURCE BANK RSSD-ID 3806100 Last Updated on 1/30/2011		FFIEC 041 Quarter End Date 12/31/2010 6


Dollar amounts in thousands
2. Cumulative effect of changes in accounting principles and corrections of material accounting errors	RIADB507	0	2.
3. Balance end of previous calendar year as restated	RIADB508	868,324	3.
4. Net income (loss) attributable to bank (must equal Schedule RI, item 14)	RIAD4340	51,615	4.
5. Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stock transactions)	RIADB509	1,317	5.
6. Treasury stock transactions, net	RIADB510	0	6.
7. Changes incident to business combinations, net	RIAD4356	0	7.
8. Cash dividends declared on preferred stock	RIAD4470	0	8.
9. Cash dividends declared on common stock	RIAD4460	0	9.
10. Other comprehensive income	RIADB511	3,388	10.
11. Other transactions with parent holding company (not included in items 5, 6, 8, or 9 above)	RIAD4415	0	11.
12. Total bank equity capital end of current period (sum of items 3 through 11) (must equal Schedule RC, item 27.a)	RIAD3210	924,644	12.

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

(Column A) Charge-offs

(Column B) Recoveries

Dollar amounts in thousands

Calendar year-to-date

1. Loans secured by real estate:

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

1.a.

1. 1-4 family residential construction loans

RIADC891

RIADC892

1.a.1.

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

RIADC893

53,856

RIADC894

1.a.2.

b. Secured by farmland

RIAD3584

RIAD3585

1.b.

c. Secured by 1-4 family residential properties:

1.c.

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

RIAD5411

RIAD5412

1.c.1.

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

1.c.2.

a. Secured by first liens

RIADC234

RIADC217

1.c.2.a.

b. Secured by junior liens

RIADC235

RIADC218

1.c.2.b.

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

RIAD3588

258

RIAD3589

1.d.

e. Secured by nonfarm nonresidential properties:

1.e.

1. Loans secured by owner-occupied nonfarm nonresidential properties

RIADC895

5,252

RIADC896

1.e.1.

2. Loans secured by other nonfarm nonresidential properties

RIADC897

80,096

RIADC898

1.e.2.

2. Loans to depository institutions and acceptances of other banks

RIAD4481

RIAD4482

3. Not applicable

4. Commercial and industrial loans

RIAD4638

4,439

RIAD4608

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

a. Credit cards

RIADB514

RIADB515

5.a.

b. Other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards)

RIADB516

RIADB517

5.b.

6. Loans to foreign governments and official institutions

RIAD4643

RIAD4627

7. All other loans

RIAD4644

834

RIAD4628

8. Lease financing receivables

RIAD4266

RIAD4267

9. Total

RIAD4635

144,735

RIAD4605

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

RIAD5409

RIAD5410

M.1.

2. Not available

M.2.


CAPITALSOURCE BANK RSSD-ID 3806100 Last Updated on 1/30/2011		FFIEC 041 Quarter End Date 12/31/2010 7

(Column A) Charge-offs

(Column B) Recoveries

Dollar amounts in thousands

Calendar year-to-date

a. Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule RI-B, part I, item 1, above)

RIAD4652

RIAD4662

M.2.a.

b. Loans to and acceptances of foreign banks (included in Schedule RI-B, part I, item 2, above)

RIAD4654

RIAD4664

M.2.b.

c. Commercial and industrial loans to non-U.S. addressees (domicile) (included in Schedule RI-B, part I, item 4, above)

RIAD4646

RIAD4618

M.2.c.

d. Leases to individuals for household, family, and other personal expenditures (included in Schedule RI-B, part I, item 8, above)

RIADF185

RIADF187

M.2.d.

3. Loans to finance agricultural production and other loans to farmers (included in Schedule RI-B, part I, item 7, above)

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

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, 2009, Reports of Condition and Income (i.e., after adjustments from amended Reports of Income)

RIADB522

152,508

2. Recoveries

RIAD4605

3. Charge-offs

RIADC079

121,394

4. Write-downs arising from transfers of loans to a held-for-sale account

RIAD5523

23,341

5. Provision for loan and lease losses

RIAD4230

117,105

6. Adjustments

RIADC233

7. Balance end of current period

RIAD3123

124,878

1. Allocated transfer risk reserve included in Schedule RI-B, part II, item 7, above

RIADC435

M.1.

2. Separate valuation allowance for uncollectible retail credit card fees and finance charges.

RIADC389

M.2.

3. Amount of allowance for loan and lease losses attributable to retail credit card fees and finance charges

RIADC390

M.3.

4. Amount of allowance for post-acquisition losses on purchased 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)

RIADC781

141

M.4.

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

RIADC013

1.a.

b. Earnings on/increase in value of cash surrender value of life insurance

RIADC014

1.b.

c. Income and fees from automated teller machines (ATMs)

RIADC016

1.c.

d. Rent and other income from other real estate owned

RIAD4042

4,265

1.d.

e. Safe deposit box rent

RIADC015

1.e.

f. Net change in the fair values of financial instruments accounted for under a fair value option

RIADF229

1.f.

g. Bank card and credit card interchange fees

RIADF555

1.g.

h. Gains on bargain purchases

RIADJ447

1.h.

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

1.i.

1. Describe component

TEXT4461

Click here for value

1.i.1.


CAPITALSOURCE BANK RSSD-ID 3806100 Last Updated on 1/30/2011		FFIEC 041 Quarter End Date 12/31/2010 8

Dollar amounts in thousands

2. Amount of component

RIAD4461

1,049

1.i.2.

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

1.j.

1. Describe component

TEXT4462

CRA grant income

1.j.1.

2. Amount of component

RIAD4462

600

1.j.2.

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

1.k.

1. Describe component

TEXT4463

Letter of credit fees

1.k.1.

2. Amount of component

RIAD4463

911

1.k.2.

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

RIADC017

2.a.

b. Advertising and marketing expenses

RIAD0497

2,284

2.b.

c. Directors’ fees

RIAD4136

2.c.

d. Printing, stationery, and supplies

RIADC018

2.d.

e. Postage

RIAD8403

2.e.

f. Legal fees and expenses

RIAD4141

2.f.

g. FDIC deposit insurance assessments

RIAD4146

CONF

2.g.

h. Accounting and auditing expenses

RIADF556

2.h.

i. Consulting and advisory expenses

RIADF557

2.i.

j. Automated teller machine (ATM) and interchange expenses

RIADF558

2.j.

k. Telecommunications expenses

RIADF559

1,960

2.k.

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

2.l.

1. Describe component

TEXT4464

Click here for value

2.l.1.

2. Amount of component

RIAD4464

31,458

2.l.2.

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

2.m.

1. Describe component

TEXT4467

Loan servicing expenses

2.m.1.

2. Amount of component

RIAD4467

6,049

2.m.2.

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

2.n.

1. Describe component

TEXT4468

Real estate owned expenses

2.n.1.

2. Amount of component

RIAD4468

4,988

2.n.2.

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:

3.a.

1. Describe component

TEXT4469

3.a.1.

2. Amount of component

RIAD4469

3.a.2.

3. Applicable income tax effect

RIAD4486

3.a.3.

b. Disclose component, the gross dollar amount of that component, and its related income tax:

3.b.

1. Describe component

TEXT4487

3.b.1.

2. Amount of component

RIAD4487

3.b.2.

3. Applicable income tax effect

RIAD4488

3.b.3.

c. Disclose component, the gross dollar amount of that component, and its related income tax:

3.c.

1. Describe component

TEXT4489

3.c.1.

2. Amount of component

RIAD4489

3.c.2.

3. Applicable income tax effect

RIAD4491

3.c.3.

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):


CAPITALSOURCE BANK RSSD-ID 3806100 Last Updated on 1/30/2011		FFIEC 041 Quarter End Date 12/31/2010 9

Dollar amounts in thousands

a. Cumulative effect of the initial application of FASB ASC 810-10 (former FAS 167) related to newly consolidated variable interest entities

RIADJ536

4.a.

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

4.b.

1. Describe component

TEXTB527

4.b.1.

2. Amount of component

RIADB527

4.b.2.

5. Other transactions with parent holding company (from Schedule RI-A, item 11):

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

5.a.

1. Describe component

TEXT4498

5.a.1.

2. Amount of component

RIAD4498

5.a.2.

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

5.b.

1. Describe component

TEXT4499

5.b.1.

2. Amount of component

RIAD4499

5.b.2.

6. Adjustments to allowance for loan and lease losses (from Schedule RI-B, part II, item 6):

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

6.a.

1. Describe component

TEXT4521

6.a.1.

2. Amount of component

RIAD4521

6.a.2.

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

6.b.

1. Describe component

TEXT4522

6.b.1.

2. Amount of component

RIAD4522

6.b.2.

7. Other explanations:

a. Comments?

RIAD4769

7.a.

b. Other explanations

TEXT4769

7.b.

(TEXT4461) Income on CRA investments

(TEXT4464) Intercompany loan sourcing 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

RCON0081

172,701

1.a.

b. Interest-bearing balances

RCON0071

64,450

1.b.

2. Securities:

a. Held-to-maturity securities (from Schedule RC-B, column A)

RCON1754

321,983

2.a.

b. Available-for-sale securities (from Schedule RC-B, column D)

RCON1773

1,512,775

2.b.

3. Federal funds sold and securities purchased under agreements to resell:

a. Federal funds sold

RCONB987

3.a.

b. Securities purchased under agreements to resell

RCONB989

3.b.

4. Loans and lease financing receivables (from Schedule RC-C):

a. Loans and leases held for sale

RCON5369

14,201

4.a.

b. Loans and leases, net of unearned income

RCONB528

3,763,773

4.b.

c. LESS: Allowance for loan and lease losses

RCON3123

124,878

4.c.

d. Loans and leases, net of unearned income and allowance (item 4.b minus 4.c)

RCONB529

3,638,895

4.d.

5. Trading assets (from Schedule RC-D)

RCON3545

6. Premises and fixed assets (including capitalized leases)

RCON2145

11,860

7. Other real estate owned (from Schedule RC-M)

RCON2150

46,750

8. Investments in unconsolidated subsidiaries and associated companies

RCON2130

9. Direct and indirect investments in real estate ventures

RCON3656

10. Intangible assets:

10.

a. Goodwill

RCON3163

173,135

10.a.


CAPITALSOURCE BANK RSSD-ID 3806100 Last Updated on 1/30/2011		FFIEC 041 Quarter End Date 12/31/2010 10

Dollar amounts in thousands

b. Other intangible assets (from Schedule RC-M)

RCON0426

10.b.

11. Other assets (from Schedule RC-F)

RCON2160

178,121

11.

12. Total assets (sum of items 1 through 11)

RCON2170

6,134,904

12.

13. Deposits:

13.

a. In domestic offices (sum of totals of columns A and C from Schedule RC-E)

RCON2200

4,621,273

13.a.

1. Noninterest-bearing

RCON6631

1,399

13.a.1.

2. Interest-bearing

RCON6636

4,619,874

13.a.2.

b. Not applicable

13.b.

14. Federal funds purchased and securities sold under agreements to repurchase:

14.

a. Federal funds purchased

RCONB993

14.a.

b. Securities sold under agreements to repurchase

RCONB995

14.b.

15. Trading liabilities (from Schedule RC-D)

RCON3548

15.

16. Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases) (from Schedule RC-M)

RCON3190

412,000

16.

17. Not applicable

17.

18. Not applicable

18.

19. Subordinated notes and debentures

RCON3200

19.

20. Other liabilities (from Schedule RC-G)

RCON2930

176,987

20.

21. Total liabilities (sum of items 13 through 20)

RCON2948

5,210,260

21.

22. Not applicable

22.

23. Perpetual preferred stock and related surplus

RCON3838

23.

24. Common stock

RCON3230

921,000

24.

25. Surplus (exclude all surplus related to preferred stock)

RCON3839

25,193

25.

26. Not available

26.

a. Retained earnings

RCON3632

-27,573

26.a.

b. Accumulated other comprehensive income

RCONB530

6,024

26.b.

c. Other equity capital components

RCONA130

26.c.

27. Not available

27.

a. Total bank equity capital (sum of items 23 through 26.c)

RCON3210

924,644

27.a.

b. Noncontrollng (minority) interests in consolidated subsidiaries

RCON3000

27.b.

28. Total equity capital (sum of items 27.a and 27.b)

RCONG105

924,644

28.

29. Total liabilities and equity capital (sum of items 21 and 28)

RCON3300

6,134,904

29.

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 2009

RCON6724

M.1.

2. Bank’s fiscal year-end date

RCON8678

M.2.

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

RCON0020

1.a.

b. Currency and coin

RCON0080

350

1.b.

2. Balances due from depository institutions in the U.S:

a. U.S. branches and agencies of foreign banks

RCON0083

2.a.

b. Other commercial banks in the U.S. and other depository institutions in the U.S

RCON0085

173,017

2.b.

3. Balances due from banks in foreign countries and foreign central banks:

a. Foreign branches of other U.S. banks

RCON0073

3.a.

b. Other banks in foreign countries and foreign central banks

RCON0074

3.b.

4. Balances due from Federal Reserve Banks

RCON0090

63,784

5. Total

RCON0010

237,151


CAPITALSOURCE BANK RSSD-ID 3806100 Last Updated on 1/30/2011		FFIEC 041 Quarter End Date 12/31/2010 11

Schedule RC-B — Securities

(Column A)

(Column B)

(Column C)

(Column D)

Held-to-maturity

Available-for-sale

Dollar amounts in thousands

Amortized Cost

Fair Value

Amortized Cost

Fair Value

1. U.S. Treasury securities

RCON0211

RCON0213

RCON1286

RCON1287

69,958

69,982

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

a. Issued by U.S. Government agencies

RCON1289

RCON1290

RCON1291

RCON1293

20,629

20,151

2.a.

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

RCON1294

RCON1295

RCON1297

RCON1298

431,400

431,292

2.b.

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

RCON8496
0

RCON8497
0

RCON8498
0

RCON8499
0

4. Mortgage-backed securities (MBS):

a. Residential mortgage pass-through securities:

4.a.

1. Guaranteed by GNMA

RCONG300

RCONG301

RCONG302

RCONG303

137,004

139,773

4.a.1.

2. Issued by FNMA and FHLMC

RCONG304

RCONG305

RCONG306

RCONG307

129,045

133,767

4.a.2.

3. Other pass-through securities

RCONG308

RCONG309

RCONG310

RCONG311

4.a.3.

b. Other residential mortgage-backed securities (include CMOs, REMICs, and stripped MBS):

4.b.

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

RCONG312
0

RCONG313
0

RCONG314
521,621

RCONG315
520,963

4.b.1.

2. Collateralized by MBS issued or guaranteed by FNMA, FHLMC, or GNMA

RCONG316
0

RCONG317
0

RCONG318
0

RCONG319
0

4.b.2.

3. All other residential MBS

RCONG320

RCONG321

RCONG322

RCONG323

112,917

113,684

4.b.3.

c. Commercial MBS:

4.c.

1. Commercial mortgage pass-through securities

RCONG324

RCONG325

RCONG326

RCONG327

4.c.1.

2. Other commercial MBS

RCONG328

RCONG329

RCONG330

RCONG331

184,473

195,438

72,771

75,651

4.c.2.


CAPITALSOURCE BANK RSSD-ID 3806100 Last Updated on 1/30/2011		FFIEC 041 Quarter End Date 12/31/2010 12

(Column A)

(Column B)

(Column C)

(Column D)

Held-to-maturity

Available-for-sale

Dollar amounts in thousands

Amortized Cost

Fair Value

Amortized Cost

Fair Value

5. Asset-backed securities and structured financial products:

a. Asset-backed securities (ABS)

RCONC026

RCONC988

RCONC989

RCONC027

137,510

5.a.

b. Structured financial products:

5.b.

1. Cash

RCONG336

RCONG337

RCONG338

RCONG339

5.b.1.

2. Synthetic

RCONG340

RCONG341

RCONG342

RCONG343

5.b.2.

3. Hybrid

RCONG344

RCONG345

RCONG346

RCONG347

5.b.3.

6. Other debt securities:

a. Other domestic debt securities

RCON1737

RCON1738

RCON1739

RCON1741

4,998

5,120

6.a.

b. Foreign debt securities

RCON1742

RCON1743

RCON1744

RCON1746

6.b.

7. Investments in mutual funds and other equity securities with readily determinable fair values

RCONA510
2,392

RCONA511
2,392

8. Total

RCON1754

RCON1771

RCON1772

RCON1773

321,983

332,948

1,502,735

1,512,775


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		13

Schedule RC-B — Securities


Dollar amounts in thousands
1. Pledged securities	RCON0416	1,185,587	M.1.
2. Maturity and repricing data for debt securities (excluding those in nonaccrual status):			M.2.
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:			M.2.a.
1. Three months or less	RCONA549	386,305	M.2.a.1.
2. Over three months through 12 months	RCONA550	35,163	M.2.a.2.
3. Over one year through three years	RCONA551	74,538	M.2.a.3.
4. Over three years through five years	RCONA552	128,425	M.2.a.4.
5. Over five years through 15 years	RCONA553	19,474	M.2.a.5.
6. Over 15 years	RCONA554	20,151	M.2.a.6.
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:			M.2.b.
1. Three months or less	RCONA555	9,065	M.2.b.1.
2. Over three months through 12 months	RCONA556	9,704	M.2.b.2.
3. Over one year through three years	RCONA557	92,416	M.2.b.3.
4. Over three years through five years	RCONA558	30,545	M.2.b.4.
5. Over five years through 15 years	RCONA559	74,866	M.2.b.5.
6. Over 15 years	RCONA560	56,943	M.2.b.6.
c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS; exclude mortgage pass-through securities) with an expected average life of:			M.2.c.
1. Three years or less	RCONA561	256,097	M.2.c.1.
2. Over three years	RCONA562	638,674	M.2.c.2.
d. Debt securities with a REMAINING MATURITY of one year or less (included in Memorandum items 2.a through 2.c above)	RCONA248	421,468	M.2.d.
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)	RCON1778	0	M.3.
4. Structured notes (included in the held-to-maturity and available-for-sale accounts in Schedule RC-B, items 2, 3, 5, and 6):			M.4.
a. Amortized cost	RCON8782	43,276	M.4.a.
b. Fair value	RCON8783	43,518	M.4.b.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		14

Schedule RC-B — Securities

(Column A)

(Column B)

(Column C)

(Column D)

Held-to-maturity

Available-for-sale

Dollar amounts in thousands

Amortized Cost

Fair Value

Amortized Cost

Fair Value

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

RCONB838

RCONB839

RCONB840

RCONB841

M.5.a.

b. Home equity lines

RCONB842

RCONB843

RCONB844

RCONB845

M.5.b.

c. Automobile loans

RCONB846

RCONB847

RCONB848

RCONB849

M.5.c.

d. Other consumer loans

RCONB850

RCONB851

RCONB852

RCONB853

M.5.d.

e. Commercial and industrial loans

RCONB854

RCONB855

RCONB856

RCONB857

M.5.e.

f. Other

RCONB858

RCONB859

RCONB860

RCONB861

137,510

M.5.f.

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)):

M.6.

a. Trust preferred securities issued by financial

RCONG348

RCONG349

RCONG350

RCONG351

institutions

M.6.a.

b. Trust preferred securities issued by real estate investment trusts

RCONG352

RCONG353

RCONG354

RCONG355

M.6.b.

c. Corporate and similar loans

RCONG356

RCONG357

RCONG358

RCONG359

M.6.c.

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

RCONG360

RCONG361

RCONG362

RCONG363

government-sponsored enterprises (GSEs)

M.6.d.

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

RCONG364

RCONG365

RCONG366

RCONG367

M.6.e.

f. Diversified (mixed) pools of structured financial products

RCONG368

RCONG369

RCONG370

RCONG371

M.6.f.

g. Other collateral or reference assets

RCONG372

RCONG373

RCONG374

RCONG375

M.6.g.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		15

Schedule RC-C Part I — Loans and Leases

(Column A) To Be

Completed by Banks

with $300 Million or More

(Column B) To Be

Dollar amounts in thousands

in Total Assets

Completed by All Banks

1. Loans secured by real estate:

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

1.a.

1. 1-4 family residential construction loans

RCONF158

1.a.1.

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

RCONF159

182,663

1.a.2.

b. Secured by farmland (including farm residential and other improvements)

RCON1420

1.b.

c. Secured by 1-4 family residential properties:

1.c.

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

RCON1797

1.c.1.

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

1.c.2.

a. Secured by first liens

RCON5367

1.c.2.a.

b. Secured by junior liens

RCON5368

1.c.2.b.

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

RCON1460

329,077

1.d.

e. Secured by nonfarm nonresidential properties:

1.e.

1. Loans secured by owner-occupied nonfarm nonresidential properties

RCONF160

130,631

1.e.1.

2. Loans secured by other nonfarm nonresidential properties

RCONF161

1,155,139

1.e.2.

2. Loans to depository institutions and acceptances of other banks

RCON1288

a. To commercial banks in the U.S.:

2.a.

1. To U.S. branches and agencies of foreign banks

RCONB532

2.a.1.

2. To other commercial banks in the U.S

RCONB533

2.a.2.

b. To other depository institutions in the U.S

RCONB534

2.b.

c. To banks in foreign countries:

2.c.

1. To foreign branches of other U.S. banks

RCONB536

2.c.1.

2. To other banks in foreign countries

RCONB537

2.c.2.

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

RCON1590

4. Commercial and industrial loans

RCON1766

1,534,973

a. To U.S. addressees (domicile)

RCON1763

1,508,489

4.a.

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

RCON1764

26,484

4.b.

5. Not applicable

6. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper):

a. Credit cards

RCONB538

6.a.

b. Other revolving credit plans

RCONB539

6.b.

c. Other consumer loans (includes single payment, installment, and all student loans)

RCON2011

6.c.

7. Loans to foreign governments and official institutions (including foreign central banks)

RCON2081

8. Obligations (other than securities and leases) of states and political subdivisions in the U.S

RCON2107

53,882

9. Loans to nondepository financial institutions and other loans:

a. Loans to nondepository financial institutions

RCONJ454

7,886

9.a.

b. Other loans

RCONJ464

294,737

9.b.

1. Loans for purchasing or carrying securities (secured and unsecured)

RCON1545

32,279

9.b.1.

2. All other loans (exclude consumer loans)

RCONJ451

262,458

9.b.2.

10. Lease financing receivables (net of unearned income)

RCON2165

88,986

10.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		16

(Column A) To Be

Completed by Banks

with $300 Million or More

(Column B) To Be

Dollar amounts in thousands

in Total Assets

Completed by All Banks

a. Leases to individuals for household, family, and other personal expenditures (i.e., consumer leases)

RCONF162

10.a.

b. All other leases

RCONF163

88,986

10.b.

11. Any unearned income on loans reflected in items 1-9 above

RCON2123

11.

12. Total loans and leases, net of unearned income

RCON2122

3,777,974

12.

Schedule RC-C Part I — Loans and Leases


Dollar amounts in thousands
1. Loans and leases restructured and in compliance with modified terms (included in Schedule RC-C, part I, and not reported as past due or nonaccrual in Schedule RC-N, Memorandum item 1):				M.1.
a. Loans secured by 1-4 family residential properties	RCONF576		0	M.1.a.
b. Other loans and all leases (exclude loans to individuals for household, family, and other personal expenditures)	RCON1616		35,598	M.1.b.
2. Maturity and repricing data for loans and leases (excluding those in nonaccrual status):				M.2.
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:				M.2.a.
1. Three months or less	RCONA564		0	M.2.a.1.
2. Over three months through 12 months	RCONA565		0	M.2.a.2.
3. Over one year through three years	RCONA566		0	M.2.a.3.
4. Over three years through five years	RCONA567		0	M.2.a.4.
5. Over five years through 15 years	RCONA568		0	M.2.a.5.
6. Over 15 years	RCONA569		0	M.2.a.6.
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:				M.2.b.
1. Three months or less	RCONA570		932,895	M.2.b.1.
2. Over three months through 12 months	RCONA571		358,014	M.2.b.2.
3. Over one year through three years	RCONA572		1,060,206	M.2.b.3.
4. Over three years through five years	RCONA573		743,750	M.2.b.4.
5. Over five years through 15 years	RCONA574		346,864	M.2.b.5.
6. Over 15 years	RCONA575		96,775	M.2.b.6.
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)	RCONA247		512,372	M.2.c.
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	RCON2746		263,292	M.3.
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)	RCON5370		0	M.4.
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)	RCONB837		0	M.5.
6. Outstanding credit card fees and finance charges included in Schedule RC-C, part I, item 6.a	RCONC391	NR		M.6.
7. Purchased 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):				M.7.
a. Outstanding balance	RCONC779		32,594	M.7.a.
b. Carrying amount included in Schedule RC-C, part I, items 1 through 9	RCONC780		19,251	M.7.b.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		17


Dollar amounts in thousands
8. Closed-end loans with negative amortization features secured by 1-4 family residential properties:				M.8.
a.Total carrying 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))	RCONF230		0	M.8.a.
b. Total maximum remaining amount of negative amortization contractually permitted on closed-end loans secured by 1-4 family residential properties	RCONF231	NR		M.8.b.
c. Total amount of negative amortization on closed-end loans secured by 1-4 family residential properties included in the carrying amount reported in Memorandum item 8.a above	RCONF232	NR		M.8.c.
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))	RCONF577		0	M.9.
10. Loans measured at fair value (included in Schedule RC-C, part I, items 1 through 9):				M.10.
a. Loans secured by real estate:				M.10.a.
1. Construction, land development, and other land loans	RCONF578	NR		M.10.a.1.
2. Secured by farmland (including farm residential and other improvements)	RCONF579	NR		M.10.a.2.
3. Secured by 1-4 family residential properties:				M.10.a.3.
a. Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit	RCONF580	NR		M.10.a.3.a.
b. Closed-end loans secured by 1-4 family residential properties:				M.10.a.3.b.
1. Secured by first liens	RCONF581	NR		M.10.a.3.b.1.
2. Secured by junior liens	RCONF582	NR		M.10.a.3.b.2.
4. Secured by multifamily (5 or more) residential properties	RCONF583	NR		M.10.a.4.
5. Secured by nonfarm nonresidential properties	RCONF584	NR		M.10.a.5.
b. Commercial and industrial loans	RCONF585	NR		M.10.b.
c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper):				M.10.c.
1. Credit cards	RCONF586	NR		M.10.c.1.
2. Other revolving credit plans	RCONF587	NR		M.10.c.2.
3. Other consumer loans (includes single payment, installment, and all student loans)	RCONF588	NR		M.10.c.3.
d. Other loans	RCONF589	NR		M.10.d.
11. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-C, part I, Memorandum item 10):				M.11.
a. Loans secured by real estate:				M.11.a.
1. Construction, and land development, and other land loans	RCONF590	NR		M.11.a.1.
2. Secured by farmland (including farm residential and other improvements)	RCONF591	NR		M.11.a.2.
3. Secured by 1-4 family residential properties:				M.11.a.3.
a. Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit	RCONF592	NR		M.11.a.3.a.
b. Closed-end loans secured by 1-4 family residential properties:				M.11.a.3.b.
1. Secured by first liens	RCONF593	NR		M.11.a.3.b.1.
2. Secured by junior liens	RCONF594	NR		M.11.a.3.b.2.
4. Secured by multifamily (5 or more) residential properties	RCONF595	NR		M.11.a.4.
5. Secured by nonfarm nonresidential properties	RCONF596	NR		M.11.a.5.
b. Commercial and industrial loans	RCONF597	NR		M.11.b.
c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper):				M.11.c.
1. Credit cards	RCONF598	NR		M.11.c.1.
2. Other revolving credit plans	RCONF599	NR		M.11.c.2.
3. Other consumer loans (includes single payment, installment, and all student loans)	RCONF600	NR		M.11.c.3.
d. Other loans	RCONF601	NR		M.11.d.


CAPITALSOURCE BANK		FFIEC 041
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Last Updated on 1/30/2011		18

Schedule RC-C Part I – Loans and Leases

(Column C) Best

(Column B)

estimate at

(Column A) Fair

Gross

acquisition date

value of

contractual

of contractual

acquired loans

amounts

cash flows not

and leases at

receivable at

expected to be

Dollar amounts in thousands

acquisition date

collected

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.

RCONG091

RCONG092

RCONG093

a. Loans secured by real estate

M.12.a.

RCONG094

RCONG095

RCONG096

b. Commercial and industrial loans

M.12.b.

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

RCONG097

RCONG098

RCONG099

expenditures

M.12.c.

RCONG100

RCONG101

RCONG102

d. All other loans and all leases

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:

M.13.

a. Amount of loans that provide for the use of interest reserves (included in Schedule RC-C, part I, item 1.a, column B)

RCONG376

M.13.a.

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))

RIADG377

M.13.b.

14. Pledged loans and leases

RCONG378

161,419

M.14.

15. Reverse mortgages:

M.15.

a. Reverse mortgages outstanding that are held for investment (included in Schedule RC-C, item 1.c, above):

M.15.a.

1. Home Equity Conversion Mortgage (HECM) reverse mortgages

RCONJ466

M.15.a.1.

2. Proprietary reverse mortgages

RCONJ467

M.15.a.2.

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:

M.15.b.

1. Home Equity Conversion Mortgage (HECM) reverse mortgages

RCONJ468

M.15.b.1.

2. Proprietary reverse mortgages

RCONJ469

M.15.b.2.

c. Principal amount of reverse mortgage originations that have been sold during the year:

M.15.c.

1. Home Equity Conversion Mortgage (HECM) reverse mortgages

RCONJ470

M.15.c.1.

2. Proprietary reverse mortgages

RCONJ471

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	RCON6999	No	1.


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Dollar amounts in thousands

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)

RCON5562

2.a.

b. “Commercial and industrial loans” reported in Schedule RC-C, part I, item 4

RCON5563

2.b.

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

(Column A) Number of

(Column B) Amount

Dollar amounts in thousands

Loans

Currently Outstanding

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

RCON5564

RCON5565

3.a.

b. With original amounts of more than $100,000 through $250,000

RCON5566

RCON5567

1,930

3.b.

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

RCON5568

188

RCON5569

47,620

3.c.

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

RCON5570

RCON5571

4.a.

b. With original amounts of more than $100,000 through $250,000

RCON5572

RCON5573

2,889

4.b.

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

RCON5574

RCON5575

45,991

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)” 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

RCON6860

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.

RCON5576

6.a.

b. “Loans to finance agricultural production and other loans to farmers” reported in Schedule RC-C, part I, item 3

RCON5577

6.b.

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

(Column A) Number of

(Column B) Amount

Dollar amounts in thousands

Loans

Currently Outstanding

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

RCON5578

RCON5579

7.a.

b. With original amounts of more than $100,000 through $250,000

RCON5580

RCON5581

7.b.

c. With original amounts of more than $250,000 through $500,000

RCON5582

RCON5583

7.c.

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

RCON5584

RCON5585

8.a.

b. With original amounts of more than $100,000 through $250,000

RCON5586

RCON5587

8.b.

c. With original amounts of more than $250,000 through $500,000

RCON5588

RCON5589

8.c.


CAPITALSOURCE BANK		FFIEC 041
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Schedule RC-D — Trading Assets and Liabilities


Dollar amounts in thousands
1. U.S. Treasury securities	RCON3531	NR		1.
2. U.S. Government agency obligations (exclude mortgage-backed securities)	RCON3532	NR		2.
3. Securities issued by states and political subdivisions in the U.S	RCON3533	NR		3.
4. Mortgage-backed securities (MBS):				4.
a. Residential mortgage pass-through securities issued or guaranteed by FNMA, FHLMC, or GNMA	RCONG379	NR		4.a.
b. Other residential MBS issued or guaranteed by FNMA, FHLMC, or GNMA (include CMOs, REMICs, and stripped MBS)	RCONG380	NR		4.b.
c. All other residential MBS	RCONG381	NR		4.c.
d. Commercial MBS	RCONG382	NR		4.d.
5. Other debt securities:				5.
a. Structured financial products:				5.a.
1. Cash	RCONG383	NR		5.a.1.
2. Synthetic	RCONG384	NR		5.a.2.
3. Hybrid	RCONG385	NR		5.a.3.
b. All other debt securities	RCONG386	NR		5.b.
6. Loans:				6.
a. Loans secured by real estate:				6.a.
1. Construction, land development, and other land loans	RCONF604	NR		6.a.1.
2. Secured by farmland (including farm residential and other improvements)	RCONF605	NR		6.a.2.
3. Secured by 1-4 family residential properties:				6.a.3.
a. Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit	RCONF606	NR		6.a.3.a.
b. Closed-end loans secured by 1-4 family residential properties:				6.a.3.b.
1. Secured by first liens	RCONF607	NR		6.a.3.b.1.
2. Secured by junior liens	RCONF611	NR		6.a.3.b.2.
4. Secured by multifamily (5 or more) residential properties	RCONF612	NR		6.a.4.
5. Secured by nonfarm nonresidential properties	RCONF613	NR		6.a.5.
b. Commercial and industrial loans	RCONF614	NR		6.b.
c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper):				6.c.
1. Credit cards	RCONF615	NR		6.c.1.
2. Other revolving credit plans	RCONF616	NR		6.c.2.
3. Other consumer loans (includes single payment, installment, and all student loans)	RCONF617	NR		6.c.3.
d. Other loans	RCONF618	NR		6.d.
7. Not applicable				7.
8. Not applicable				8.
9. Other trading assets	RCON3541	NR		9.
10. Not applicable				10.
11. Derivatives with a positive fair value	RCON3543		0	11.
12. Total trading assets	RCON3545		0	12.
13. Not available				13.
a. Liability for short positions	RCON3546	NR		13.a.
b. Other trading liabilities	RCONF624	NR		13.b.
14. Derivatives with a negative fair value	RCON3547		0	14.
15. Total trading liabilities	RCON3548		0	15.
1. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-D, items 6.a.(1) through 6.d):				M.1.
a. Loans secured by real estate:				M.1.a.


CAPITALSOURCE BANK		FFIEC 041
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Last Updated on 1/30/2011		21


Dollar amounts in thousands
1. Construction, land development, and other land loans	RCONF625	NR	M.1.a.1.
2. Secured by farmland (including farm residential and other improvements)	RCONF626	NR	M.1.a.2.
3. Secured by 1-4 family residential properties:			M.1.a.3.
a. Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit	RCONF627	NR	M.1.a.3.a.
b. Closed-end loans secured by 1-4 family residential properties:			M.1.a.3.b.
1. Secured by first liens	RCONF628	NR	M.1.a.3.b.1.
2. Secured by junior liens	RCONF629	NR	M.1.a.3.b.2.
4. Secured by multifamily (5 or more) residential properties	RCONF630	NR	M.1.a.4.
5. Secured by nonfarm nonresidential properties	RCONF631	NR	M.1.a.5.
b. Commercial and industrial loans	RCONF632	NR	M.1.b.
c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper):			M.1.c.
1. Credit cards	RCONF633	NR	M.1.c.1.
2. Other revolving credit plans	RCONF634	NR	M.1.c.2.
3. Other consumer loans (includes single payment, installment, and all student loans)	RCONF635	NR	M.1.c.3.
d. Other loans	RCONF636	NR	M.1.d.
2. Loans measured at fair value that are past due 90 days or more:			M.2.
a. Fair value	RCONF639	NR	M.2.a.
b. Unpaid principal balance	RCONF640	NR	M.2.b.
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)):			M.3.
a. Trust preferred securities issued by financial institutions	RCONG299	NR	M.3.a.
b. Trust preferred securities issued by real estate investment trusts	RCONG332	NR	M.3.b.
c. Corporate and similar loans	RCONG333	NR	M.3.c.
d. 1-4 family residential MBS issued or guaranteed by U.S. government-sponsored enterprises (GSEs)	RCONG334	NR	M.3.d.
e. 1-4 family residential MBS not issued or guaranteed by GSEs	RCONG335	NR	M.3.e.
f. Diversified (mixed) pools of structured financial products	RCONG651	NR	M.3.f.
g. Other collateral or reference assets	RCONG652	NR	M.3.g.
4. Pledged trading assets:			M.4.
a. Pledged securities	RCONG387	NR	M.4.a.
b. Pledged loans	RCONG388	NR	M.4.b.
5. Asset-backed securities:			M.5.
a. Credit card receivables	RCONF643	NR	M.5.a.
b. Home equity lines	RCONF644	NR	M.5.b.
c. Automobile loans	RCONF645	NR	M.5.c.
d. Other consumer loans	RCONF646	NR	M.5.d.
e. Commercial and industrial loans	RCONF647	NR	M.5.e.
f. Other	RCONF648	NR	M.5.f.
6. Retained beneficial interests in securitizations (first-loss or equity tranches)	RCONF651	NR	M.6.
7. Equity securities:			M.7.
a. Readily determinable fair values	RCONF652	NR	M.7.a.
b. Other	RCONF653	NR	M.7.b.
8. Loans pending securitization	RCONF654	NR	M.8.
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):			M.9.
a. Disclose component and the dollar amount of that component:			M.9.a.
1. Describe component	TEXTF655		M.9.a.1.
2. Amount of component	RCONF655	NR	M.9.a.2.


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Dollar amounts in thousands
b. Disclose component and the dollar amount of that component:			M.9.b.
1. Describe component	TEXTF656		M.9.b.1.
2. Amount of component	RCONF656	NR	M.9.b.2.
c. Disclose component and the dollar amount of that component:			M.9.c.
1. Describe component	TEXTF657		M.9.c.1.
2. Amount of component	RCONF657	NR	M.9.c.2.
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):			M.10.
a. Disclose component and the dollar amount of that component:			M.10.a.
1. Describe component	TEXTF658		M.10.a.1.
2. Amount of component	RCONF658	NR	M.10.a.2.
b. Disclose component and the dollar amount of that component:			M.10.b.
1. Describe component	TEXTF659		M.10.b.1.
2. Amount of component	RCONF659	NR	M.10.b.2.
c. Disclose component and the dollar amount of that component:			M.10.c.
1. Describe component	TEXTF660		M.10.c.1.
2. Amount of component	RCONF660	NR	M.10.c.2.

Schedule RC-E – Deposit Liabilities

(Column A)

Transaction

(Column B)

(Column C)

Accounts Total

Transaction

Nontransaction

transaction

Accounts Memo:

Accounts Total

accounts

Total demand

nontransaction

(including total

deposits

accounts

demand

(included in

(including

Dollar amounts in thousands

deposits)

column A)

MMDAs)

Deposits of:

1. Individuals, partnerships, and corporations (include all certified and official checks)

RCONB549

RCONB550

4,570,237

2. U.S. Government

RCON2202

RCON2520

3. States and political subdivisions in the U.S

RCON2203

RCON2530

51,036

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

RCONB551

RCONB552

5. Banks in foreign countries

RCON2213

RCON2236

6. Foreign governments and official institutions (including foreign central banks)

RCON2216

RCON2377

7. Total

RCON2215

RCON2210

RCON2385

4,621,273

Schedule RC-E — Deposit Liabilities


Dollar amounts in thousands
1. Selected components of total deposits:			M.1.
a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts	RCON6835	389,289	M.1.a.
b. Total brokered deposits	RCON2365	0	M.1.b.
c. Fully insured brokered deposits (included in Memorandum item 1.b above):			M.1.c.


CAPITALSOURCE BANK RSSD-ID 3806100 Last Updated on 1/30/2011		FFIEC 041 Quarter End Date 12/31/2010 23


Dollar amounts in thousands
1. Brokered deposits of less than $100,000	RCON2343	0	M.1.c.1.
2. Brokered deposits of $100,000 through $250,000 and certain brokered retirement deposit accounts	RCONJ472	0	M.1.c.2.
d. Maturity data for brokered deposits:			M.1.d.
1. Brokered deposits issued in denominations of less than $100,000 with a remaining maturity of one year or less (included in Memorandum item 1.c.(1) above)	RCONA243	0	M.1.d.1.
2. Brokered deposits issued in denominations of $100,000 or more with a remaining maturity of one year or less	RCONA244	0	M.1.d.2.
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)	RCON5590	50,786	M.1.e.
2. Components of total nontransaction accounts:			M.2.
a. Savings deposits:			M.2.a.
1. Money market deposit accounts (MMDAs)	RCON6810	236,811	M.2.a.1.
2. Other savings deposits (excludes MMDAs)	RCON0352	694,157	M.2.a.2.
b. Total time deposits of less than $100,000	RCON6648	1,958,080	M.2.b.
c. Total time deposits of $100,000 through $250,000	RCONJ473	1,468,486	M.2.c.
d. Total time deposits of more than $250,000	RCONJ474	263,739	M.2.d.
e. Individual Retirement Accounts (IRAs) and Keogh Plan accounts of $100,000 or more included in Memorandum items 2.c and 2.d above	RCONF233	116,743	M.2.e.
3. Maturity and repricing data for time deposits of less than $100,000:			M.3.
a. Time deposits of less than $100,000 with a remaining maturity or next repricing date of:			M.3.a.
1. Three months or less	RCONA579	612,984	M.3.a.1.
2. Over three months through 12 months	RCONA580	974,512	M.3.a.2.
3. Over one year through three years	RCONA581	339,628	M.3.a.3.
4. Over three years	RCONA582	30,956	M.3.a.4.
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)	RCONA241	1,587,496	M.3.b.
4. Maturity and repricing data for time deposits of $100,000 or more:			M.4.
a. Time deposits of $100,000 or more with a remaining maturity or next repricing date of:			M.4.a.
1. Three months or less	RCONA584	414,197	M.4.a.1.
2. Over three months through 12 months	RCONA585	902,131	M.4.a.2.
3. Over one year through three years	RCONA586	384,344	M.4.a.3.
4. Over three years	RCONA587	31,553	M.4.a.4.
b. Time deposits of $100,000 or more with a REMAINING MATURITY of one year or less (included in Memorandum items 4.a.(1) and 4.a.(2) above)	RCONA242	1,316,328	M.4.b.

Schedule RC-F – Other Assets


Dollar amounts in thousands
1. Accrued interest receivable	RCONB556	11,013	1.
2. Net deferred tax assets	RCON2148	44,323	2.
3. Interest-only strips receivable (not in the form of a security) on:			3.
a. Mortgage loans	RCONA519	0	3.a.
b. Other financial assets	RCONA520	0	3.b.
4. Equity securities that DO NOT have readily determinable fair values	RCON1752	35,467	4.
5. Life insurance assets	RCONC009	0	5.
6. All other assets	RCON2168	87,318	6.
a. Prepaid expenses	RCON2166	0	6.a.
b. Repossessed personal property (including vehicles)	RCON1578	0	6.b.


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Dollar amounts in thousands
c. Derivatives with a positive fair value held for purposes other than trading	RCONC010		0	6.c.
d. Retained interests in accrued interest receivable related to securitized credit cards	RCONC436		0	6.d.
e. FDIC loss-sharing indemnification assets	RCONJ448		0	6.e.
f. Prepaid deposit insurance assessments	RCONJ449	CONF		6.f.
g. Disclose component and the dollar amount of that component:				6.g.
1. Describe component	TEXT3549	Click here for value		6.g.1.
2. Amount of component	RCON3549		32,298	6.g.2.
h. Disclose component and the dollar amount of that component:				6.h.
1. Describe component	TEXT3550			6.h.1.
2. Amount of component	RCON3550		0	6.h.2.
i. Disclose component and the dollar amount of that component:				6.i.
1. Describe component	TEXT3551			6.i.1.
2. Amount of component	RCON3551		0	6.i.2.
7. Total	RCON2160		178,121	7.

(TEXT3549) CRA Investments

Schedule RC-G – Other Liabilities


Dollar amounts in thousands
1. Not available				1.
a. Interest accrued and unpaid on deposits	RCON3645		15	1.a.
b. Other expenses accrued and unpaid (includes accrued income taxes payable)	RCON3646		87,339	1.b.
2. Net deferred tax liabilities	RCON3049		0	2.
3. Allowance for credit losses on off-balance sheet credit exposures	RCONB557		3,283	3.
4. All other liabilities	RCON2938		86,350	4.
a. Accounts payable	RCON3066		0	4.a.
b. Deferred compensation liabilities	RCONC011		0	4.b.
c. Dividends declared but not yet payable	RCON2932		0	4.c.
d. Derivatives with a negative fair value held for purposes other than trading	RCONC012		0	4.d.
e. Disclose component and the dollar amount of that component:				4.e.
1. Describe component	TEXT3552	Click here for value		4.e.1.
2. Amount of component	RCON3552		80,195	4.e.2.
f. Disclose component and the dollar amount of that component:				4.f.
1. Describe component	TEXT3553			4.f.1.
2. Amount of component	RCON3553		0	4.f.2.
g. Disclose component and the dollar amount of that component:				4.g.
1. Describe component	TEXT3554			4.g.1.
2. Amount of component	RCON3554		0	4.g.2.
5. Total	RCON2930		176,987	5.

(TEXT3552) Intercompany payable

Schedule RC-K – Quarterly Averages


Dollar amounts in thousands
1. Interest-bearing balances due from depository institutions	RCON3381	91,448	1.
2. U.S. Treasury securities and U.S. Government agency obligations (excluding mortgage-backed securities)	RCONB558	602,216	2.


CAPITALSOURCE BANK RSSD-ID 3806100 Last Updated on 1/30/2011		FFIEC 041 Quarter End Date 12/31/2010 25


Dollar amounts in thousands
3. Mortgage-backed securities	RCONB559	1,053,558	3.
4. All other securities (includes securities issued by states and political subdivisions in the U.S.)	RCONB560	191,583	4.
5. Federal funds sold and securities purchased under agreements to resell	RCON3365	0	5.
6. Loans:			6.
a. Total loans	RCON3360	3,651,049	6.a.
b. Loans secured by real estate:			6.b.
1. Loans secured by 1-4 family residential properties	RCON3465	0	6.b.1.
2. All other loans secured by real estate	RCON3466	1,751,615	6.b.2.
c. Commercial and industrial loans	RCON3387	1,495,781	6.c.
d. Loans to individuals for household, family, and other personal expenditures:			6.d.
1. Credit cards	RCONB561	0	6.d.1.
2. Other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards)	RCONB562	0	6.d.2.
7. Trading assets	RCON3401	0	7.
8. Lease financing receivables (net of unearned income)	RCON3484	77,670	8.
9. Total assets	RCON3368	5,918,404	9.
10. Interest-bearing transaction accounts (NOW accounts, ATS accounts, and telephone and preauthorized transfer accounts) (exclude demand deposits)	RCON3485	0	10.
11. Nontransaction accounts:			11.
a. Savings deposits (includes MMDAs)	RCONB563	952,298	11.a.
b. Time deposits of $100,000 or more	RCONA514	1,692,905	11.b.
c. Time deposits of less than $100,000	RCONA529	1,968,106	11.c.
12. Federal funds purchased and securities sold under agreements to repurchase	RCON3353	0	12.
13. Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases)	RCON3355	317,337	13.
1. Loans to finance agricultural production and other loans to farmers	RCON3386	0	M.1.

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


Dollar amounts in thousands
1. Unused commitments:			1.
a. Revolving, open-end lines secured by 1-4 family residential properties, i.e., home equity lines	RCON3814	0	1.a.
1. Unused commitments for Home Equity Conversion Mortgage (HECM) reverse mortgages outstanding that are held for investment (included in item 1.a above)	RCONJ477	0	1.a.1.
2. Unused commitments for proprietary reverse mortgages outstanding that are held for investment (included in item 1.a above)	RCONJ478	0	1.a.2.
b. Credit card lines (Sum of items 1.b.(1) and 1.b.(2) must equal item 1.b)	RCON3815	0	1.b.
1. Unused consumer credit card lines	RCONJ455	0	1.b.1.
2. Other unused credit card lines	RCONJ456	0	1.b.2.
c. Commitments to fund commercial real estate, construction, and land development loans:			1.c.
1. Secured by real estate:			1.c.1.
a. 1-4 family residential construction loan commitments	RCONF164	0	1.c.1.a.
b. Commercial real estate, other construction loan, and land development loan commitments	RCONF165	78,889	1.c.1.b.
2. Not secured by real estate	RCON6550	63,026	1.c.2.
d. Securities underwriting	RCON3817	0	1.d.
e. Other unused commitments:			1.e.
1. Commercial and industrial loans	RCONJ457	799,910	1.e.1.
2. Loans to financial institutions	RCONJ458	0	1.e.2.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		26


Dollar amounts in thousands
3. All other unused commitments	RCONJ459	16,874	1.e.3.
2. Financial standby letters of credit	RCON3819	40,910	2.
a. Amount of financial standby letters of credit conveyed to others	RCON3820	0	2.a.
3. Performance standby letters of credit	RCON3821	0	3.
a. Amount of performance standby letters of credit conveyed to others	RCON3822	0	3.a.
4. Commercial and similar letters of credit	RCON3411	0	4.
5. Not applicable			5.
6. Securities lent (including customers’ securities lent where the customer is indemnified against loss by the reporting bank)	RCON3433	0	6.

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

(Column A) Sold

(Column B) Purchased

Dollar amounts in thousands

Protection

7. Credit derivatives:

a. Notional amounts:

7.a.

1. Credit default swaps

RCONC968

RCONC969

7.a.1.

2. Total return swaps

RCONC970

RCONC971

7.a.2.

3. Credit options

RCONC972

RCONC973

7.a.3.

4. Other credit derivatives

RCONC974

RCONC975

7.a.4.

b. Gross fair values:

7.b.

1. Gross positive fair value

RCONC219

RCONC221

7.b.1.

2. Gross negative fair value

RCONC220

RCONC222

7.b.2.

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


Dollar amounts in thousands
c. Notational amounts by regulatory capital treatment:			7.c.
1. Positions covered under the Market Risk Rule:			7.c.1.
a. Sold protection	RCONG401	0	7.c.1.a.
b. Purchased protection	RCONG402	0	7.c.1.b.
2. All other positions:			7.c.2.
a. Sold protection	RCONG403	0	7.c.2.a.
b. Purchased protection that is recognized as a guarantee for regulatory capital purposes	RCONG404	0	7.c.2.b.
c. Purchased protection that is not recognized as a guarantee for regulatory capital purposes	RCONG405	0	7.c.2.c.

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

(Column B)

Remaining

(Column A)

Maturity of Over

(Column C)

Remaining

One Year

Remaining

Maturity of One

Through Five

Maturity of Over

Dollar amounts in thousands

Year or Less

Years

Five Years

d. Notional amounts by remaining maturity:

7.d.

1. Sold credit protection:

7.d.1.

a. Investment grade

RCONG406
0

RCONG407
0

RCONG408
0

7.d.1.a.


CAPITALSOURCE BANK RSSD-ID 3806100 Last Updated on 1/30/2011		FFIEC 041 Quarter End Date 12/31/2010 27

(Column B)

Remaining

(Column A)

Maturity of Over

(Column C)

Remaining

One Year

Remaining

Maturity of One

Through Five

Maturity of Over

Dollar amounts in thousands

Year or Less

Years

Five Years

b. Subinvestment grade

RCONG409

RCONG410

RCONG411

7.d.1.b.

2. Purchased credit protection:

7.d.2.

a. Investment grade

RCONG412

RCONG413

RCONG414

7.d.2.a.

b. Subinvestment grade

RCONG415

RCONG416

RCONG417

7.d.2.b.

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


Dollar amounts in thousands
8. Spot foreign exchange contracts	RCON8765	0	8.
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”)	RCON3430	0	9.
a. Securities borrowed	RCON3432	0	9.a.
b. Commitments to purchase when-issued securities	RCON3434	0	9.b.
c. Standby letters of credit issued by a Federal Home Loan Bank on the bank’s behalf	RCONC978	0	9.c.
d. Disclose component and the dollar amount of that component:			9.d.
1. Describe component	TEXT3555		9.d.1.
2. Amount of component	RCON3555	0	9.d.2.
e. Disclose component and the dollar amount of that component:			9.e.
1. Describe component	TEXT3556		9.e.1.
2. Amount of component	RCON3556	0	9.e.2.
f. Disclose component and the dollar amount of that component:			9.f.
1. Describe component	TEXT3557		9.f.1.
2. Amount of component	RCON3557	0	9.f.2.
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”)	RCON5591	0	10.
a. Commitments to sell when-issued securities	RCON3435	0	10.a.
b. Disclose component and the dollar amount of that component:			10.b.
1. Describe component	TEXT5592		10.b.1.
2. Amount of component	RCON5592	0	10.b.2.
c. Disclose component and the dollar amount of that component:			10.c.
1. Describe component	TEXT5593		10.c.1.
2. Amount of component	RCON5593	0	10.c.2.
d. Disclose component and the dollar amount of that component:			10.d.
1. Describe component	TEXT5594		10.d.1.
2. Amount of component	RCON5594	0	10.d.2.
e. Disclose component and the dollar amount of that component:			10.e.
1. Describe component	TEXT5595		10.e.1.
2. Amount of component	RCON5595	0	10.e.2.
11. Year-to-date merchant credit card sales volume:			11.
a. Sales for which the reporting bank is the acquiring bank	RCONC223	0	11.a.
b. Sales for which the reporting bank is the agent bank with risk	RCONC224	0	11.b.


CAPITALSOURCE BANK RSSD-ID 3806100 Last Updated on 1/30/2011		FFIEC 041 Quarter End Date 12/31/2010 28

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

(Column B) Foreign

(Column C) Equity

(Column D)

(Column A) Interest

Exchange

Derivative

Commodity and

Dollar amounts in thousands

Rate Contracts

Contracts

Other Contracts

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

12.

a. Futures contracts

RCON8693

RCON8694

RCON8695

RCON8696

12.a.

b. Forward contracts

RCON8697

RCON8698

RCON8699

RCON8700

12.b.

c. Exchange-traded option contracts:

12.c.

1. Written options

RCON8701

RCON8702

RCON8703

RCON8704

12.c.1.

2. Purchased options

RCON8705

RCON8706

RCON8707

RCON8708

12.c.2.

d. Over-the-counter option contracts:

12.d.

1. Written options

RCON8709

RCON8710

RCON8711

RCON8712

12.d.1.

2. Purchased options

RCON8713

RCON8714

RCON8715

RCON8716

12.d.2.

e. Swaps

RCON3450

RCON3826

RCON8719

RCON8720

18,633

12.e.

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

RCONA126

RCONA127

RCON8723

RCON8724

13.

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

RCON8725

RCON8726

RCON8727

RCON8728

18,633

14.

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

RCONA589

14.a.

15. Not available

15.

a. Contracts held for trading:

15.a.

1. Gross positive fair value

RCON8733

RCON8734

RCON8735

RCON8736

15.a.1.

2. Gross negative fair value

RCON8737

RCON8738

RCON8739

RCON8740

15.a.2.


CAPITALSOURCE BANK RSSD-ID 3806100 Last Updated on 1/30/2011		FFIEC 041 Quarter End Date 12/31/2010 29

(Column B) Foreign

(Column C) Equity

(Column D)

(Column A) Interest

Exchange

Derivative

Commodity and

Dollar amounts in thousands

Rate Contracts

Contracts

Other Contracts

b. Contracts held for purposes other than trading:

15.b.

1. Gross positive fair value

RCON8741

RCON8742

RCON8743

RCON8744

15.b.1.

2. Gross negative fair value

RCON8745

RCON8746

RCON8747

RCON8748

283

15.b.2.

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

(Column B)

(Column E)

(Column A)

Monoline

(Column D)

Corporations and

Banks and

Financial

(Column C)

Sovereign

All Other

Dollar amounts in thousands

Securities Firms

Guarantors

Hedge Funds

Governments

Counterparties

16. Over-the counter derivatives:

16.

a. Net current credit exposure

RCONG418

RCONG419

RCONG420

RCONG421

RCONG422

16.a.

b. Fair value of collateral:

16.b.

1. Cash - U.S. dollar

RCONG423

RCONG424

RCONG425

RCONG426

RCONG427

16.b.1.

2. Cash - Other currencies

RCONG428

RCONG429

RCONG430

RCONG431

RCONG432

16.b.2.

3. U.S. Treasury securities

RCONG433

RCONG434

RCONG435

RCONG436

RCONG437

16.b.3.

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

RCONG438

RCONG439

RCONG440

RCONG441

RCONG442

16.b.4.

5. Corporate bonds

RCONG443

RCONG444

RCONG445

RCONG446

RCONG447

16.b.5.

6. Equity securities

RCONG448

RCONG449

RCONG450

RCONG451

RCONG452

16.b.6.

7. All other collateral

RCONG453

RCONG454

RCONG455

RCONG456

RCONG457

16.b.7.

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

RCONG458

RCONG459

RCONG460

RCONG461

RCONG462

16.b.8.


CAPITALSOURCE BANK RSSD-ID 3806100 Last Updated on 1/30/2011		FFIEC 041 Quarter End Date 12/31/2010 30

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:				1.
a. Aggregate amount of all extensions of credit to all executive officers, directors, principal shareholders, and their related interests	RCON6164		0	1.a.
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	RCON6165		0	1.b.
2. Intangible assets other than goodwill:				2.
a. Mortgage servicing assets	RCON3164		0	2.a.
1. Estimated fair value of mortgage servicing assets	RCONA590		0	2.a.1.
b. Purchased credit card relationships and nonmortgage servicing assets	RCONB026		0	2.b.
c. All other identifiable intangible assets	RCON5507		20	2.c.
d. Total	RCON0426		20	2.d.
3. Other real estate owned:				3.
a. Construction, land development, and other land	RCON5508		0	3.a.
b. Farmland	RCON5509		0	3.b.
c. 1-4 family residential properties	RCON5510		0	3.c.
d. Multifamily (5 or more) residential properties	RCON5511		0	3.d.
e. Nonfarm nonresidential properties	RCON5512		46,750	3.e.
f. Foreclosed properties from “GNMA loans”	RCONC979		0	3.f.
g. Total (sum of items 3.a through 3.f) (must equal Schedule RC, item 7)	RCON2150		46,750	3.g.
4. Not applicable				4.
5. Other borrowed money:				5.
a. Federal Home Loan Bank advances:				5.a.
1. Advances with a remaining maturity or next repricing date of:				5.a.1.
a. One year or less	RCONF055		151,000	5.a.1.a.
b. Over one year through three years	RCONF056		96,000	5.a.1.b.
c. Over three years through five years	RCONF057		150,000	5.a.1.c.
d. Over five years	RCONF058		15,000	5.a.1.d.
2. Advances with a remaining maturity of one year or less (included in item 5.a.(1)(a) above)	RCON2651		151,000	5.a.2.
3. Structured advances (included in items 5.a.(1)(a) — (d) above)	RCONF059		0	5.a.3.
b. Other borrowings:				5.b.
1. Other borrowings with a remaining maturity of next repricing date of:				5.b.1.
a. One year or less	RCONF060		0	5.b.1.a.
b. Over one year through three years	RCONF061		0	5.b.1.b.
c. Over three years through five years	RCONF062		0	5.b.1.c.
d. Over five years	RCONF063		0	5.b.1.d.
2. Other borrowings with a remaining maturity of one year or less (included in item 5.b.(1)(a) above)	RCONB571		0	5.b.2.
c. Total	RCON3190		412,000	5.c.
6. Does the reporting bank sell private label or third party mutual funds and annuities?	RCONB569	No		6.
7. Assets under the reporting bank’s management in proprietary mutual funds and annuities.	RCONB570		0	7.
8. Primary Internet Web site address of the bank (home page), if any	TEXT4087	Click here for value		8.
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?	RCON4088	Yes		9.
10. Secured liabilities:				10.
a. Amount of “Federal funds purchased” that are secured (included in Schedule RC, item 14.a)	RCONF064		0	10.a.


CAPITALSOURCE BANK RSSD-ID 3806100 Last Updated on 1/30/2011		FFIEC 041 Quarter End Date 12/31/2010 31


Dollar amounts in thousands
b. Amount of “Other borrowings” that are secured (included in Schedule RC-M, items 5.b.(1)(a) — (d))	RCONF065		0	10.b.
11. Does the bank act as trustee or custodian for Individual Retirement Accounts, Health Savings Accounts, and other similar accounts?	RCONG463	Yes		11.
12. Does the bank provide custody, safekeeping, or other services involving the acceptance of orders for the sale or purchase of securities?	RCONG464	No		12.
13. Assets covered by loss-sharing agreements with the FDIC:				13.
a. Loans and leases (included in Schedule RC, items 4.a and 4.b)	RCONJ452		0	13.a.
b. Other real estate owned (included in Schedule RC, item 7)	RCONJ453		0	13.b.
c. Debt securities (included in Schedule RC, items 2.a and 2.b)	RCONJ461		0	13.c.
d. Other assets	RCONJ462		0	13.d.

(TEXT4087) www.capitalsourcebank.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

(Column C)

Dollar amounts in thousands

accruing

Nonaccrual

1. Loans secured by real estate:

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

1.a.

1. 1-4 family residential construction loans

RCONF172

RCONF174

RCONF176

1.a.1.

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

RCONF173
0

RCONF175
0

RCONF177
129,943

1.a.2.

b. Secured by farmland

RCON3493

RCON3494

RCON3495

1.b.

c. Secured by 1-4 family residential properties:

1.c.

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

RCON5398
0

RCON5399
0

RCON5400
0

1.c.1.

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

1.c.2.

a. Secured by first liens

RCONC236

RCONC237

RCONC229

1.c.2.a.

b. Secured by junior liens

RCONC238

RCONC239

RCONC230

1.c.2.b.

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

RCON3499
2,324

RCON3500
0

RCON3501
358

1.d.

e. Secured by nonfarm nonresidential properties:

1.e.

1. Loans secured by owner-occupied nonfarm nonresidential Properties

RCONF178
4,316

RCONF180
0

RCONF182
15,262

1.e.1.

2. Loans secured by other nonfarm nonresidential properties

RCONF179
0

RCONF181
0

RCONF183
53,176

1.e.2.

2. Loans to depository institutions and acceptances of other banks

RCONB834
0

RCONB835
0

RCONB836
0


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		32

(Column A) Past

(Column B) Past

due 30 through

due 90 days or

89 days and still

more and still

(Column C)

Dollar amounts in thousands

accruing

Nonaccrual

3. Not applicable

4. Commercial and industrial loans

RCON1606

RCON1607

RCON1608

206

272

31,800

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

a. Credit cards

RCONB575

RCONB576

RCONB577

5.a.

b. Other (includes single payment, installment, all student loans,

RCONB578

RCONB579

RCONB580

and revolving credit plans other than credit cards)

5.b.

6. Loans to foreign governments and official institutions

RCON5389

RCON5390

RCON5391

7. All other loans

RCON5459

RCON5460

RCON5461

8,931

8. Lease financing receivables

RCON1226

RCON1227

RCON1228

9. Debt securities and other assets (exclude other real estate owned

RCON3505

RCON3506

RCON3507

and other repossessed assets)

10. Loans and leases reported in items 1 through 8 above which are

RCON5612

RCON5613

RCON5614

wholly or partially guaranteed by the U.S. Government (including loans

10.

and leases covered by FDIC loss-sharing agreements)

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

RCON5615

RCON5616

RCON5617

(exclude rebooked “GNMA loans”)

10.a.

b. Rebooked “GNMA loans” that have been repurchased or are

RCONC866

RCONC867

RCONC868

eligible for repurchase included in item 10 above

10.b.

1. Restructured loans and leases included in Schedule RC-N, items 1 through 8, above (and not reported in Schedule RC-C, Part I, Memorandum item 1):

M.1.

a. Loans secured by 1-4 family residential properties

RCONF661

RCONF662

RCONF663

M.1.a.

b. Other loans and all leases (exclude loans to individuals for

RCON1658

RCON1659

RCON1661

household, family, and other personal expenditures)

157,315

M.1.b.

2. Loans to finance commercial real estate, construction, and land

RCON6558

RCON6559

RCON6560

development activities (not secured by real estate) included in Schedule

8,931

M.2.

RC-N, items 4 and 7, above

3. Not available

M.3.

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

RCON1248

RCON1249

RCON1250

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

M.3.a.

b. Loans to and acceptances of foreign banks (included in Schedule

RCON5380

RCON5381

RCON5382

RC-N, item 2, above)

M.3.b.

c. Commercial and industrial loans to non-U.S. addressees

RCON1254

RCON1255

RCON1256

(domicile) (included in Schedule RC-N, item 4, above)

M.3.c.

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

RCONF166

RCONF167

RCONF168

expenditures (included in Schedule RC-N, item 8, above)

M.3.d.

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

RCON1594

RCON1597

RCON1583

(included in Schedule RC-N, item 7, above)

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.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		33

(Column A) Past

(Column B) Past

due 30 through

due 90 days or

89 days and still

more and still

(Column C)

Dollar amounts in thousands

accruing

Nonaccrual

a. Loans and leases held for sale

RCONC240

RCONC241

RCONC226

M.5.a.

b. Loans measured at fair value:

M.5.b.

1. Fair value

RCONF664

RCONF665

RCONF666

M.5.b.1.

2. Unpaid principal balance

RCONF667

RCONF668

RCONF669

M.5.b.2.

Schedule RC-N — Past Due and Nonaccrual Loans Leases and Other Assets

(Column A) Past due 30

(Column B) Past due 90

Dollar amounts in thousands

through 89 days

days or more

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

RCON3529

RCON3530

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	RCONC410	11,944	M.7.
8. Nonaccrual assets sold during the quarter	RCONC411	19,254	M.8.

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	RCONF236	4,627,824	1.
2. Total allowable exclusions	RCONF237	0	2.
3. Not applicable			3.
4. Total daily average of deposit liabilities before exclusions (gross) as defined in Section 3(l) of the Federal Deposit Insurance Act and FDIC regulations	RCONF238	4,622,621	4.
5. Total daily average of allowable exclusions	RCONF239	0	5.
6. Not applicable			6.
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):			7.
a. One year or less	RCONG465	0	7.a.
b. Over one year through three years	RCONG466	0	7.b.
c. Over three years through five years	RCONG467	0	7.c.
d. Over five years	RCONG468	0	7.d.
8. Subordinated notes and debentures with a remaining maturity of (sum of items 8.a. through 8.d. must equal Schedule RC, item 19):			8.
a. One year or less	RCONG469	0	8.a.
b. Over one year through three years	RCONG470	0	8.b.
c. Over three years through five years	RCONG471	0	8.c.
d. Over five years	RCONG472	0	8.d.
9. Reciprocal brokered deposits (included in Schedule RC-E, part I, Memorandum item 1.b)	RCONG803	0	9.
1.Total assessable deposits of the bank, 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):			M.1.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		34

Dollar amounts in thousands

a. Deposit accounts (excluding retirement accounts) of $250,000 or less:

M.1.a.

1. Amount of deposit accounts (excluding retirement accounts) of $250,000 or less

RCONF049

3,719,672

M.1.a.1.

2. Number of deposit accounts (excluding retirement accounts) of $250,000 or less

RCONF050

75619

M.1.a.2.

b. Deposit accounts (excluding retirement accounts) of more than $250,000:

M.1.b.

1. Amount of deposit accounts (excluding retirement accounts) of more than $250,000

RCONF051

518,863

M.1.b.1.

2. Number of deposit accounts (excluding retirement accounts) of more than $250,000

RCONF052

1229

M.1.b.2.

c. Retirement deposit accounts of $250,000 or less:

M.1.c.

1. Amount of retirement deposit accounts of $250,000 or less

RCONF045

376,792

M.1.c.1.

2. Number of retirement deposit accounts of $250,000 or less

RCONF046

10910

M.1.c.2.

d. Retirement deposit accounts of more than $250,000:

M.1.d.

1. Amount of retirement deposit accounts of more than $250,000

RCONF047

12,497

M.1.d.1.

2. Number of retirement deposit accounts of more than $250,000

RCONF048

M.1.d.2.

2. Estimated amount of uninsured assessable deposits, including related interest accrued and unpaid

RCON5597

312,964

M.2.

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 or Thrift Financial Report? If so, report the legal title and FDIC Certificate Number of the parent bank or parent savings association:

M.3.

a. Legal title

TEXTA545

M.3.a.

b. FDIC Certificate Number

RCONA545

M.3.b.

4. Noninterest-bearing transaction accounts (as defined in Part 370 of the FDIC’s regulations) of more than $250,000 (see instructions):

M.4.

a. Average daily amount of noninterest-bearing transaction accounts of more than $250,000 (including balances swept from noninterest-bearing transaction accounts to noninterest-bearing savings accounts)

RCONJ651

M.4.a.

b. Average daily number of noninterest-bearing transaction accounts of more than $250,000 (rounded to two decimal places)

RCONJ652

0.00

M.4.b.

5. Noninterest-bearing transaction accounts (as defined in Section 343 of the Dodd-Frank Act) of more than $250,000 (see instructions):

M.5.

a. Amount of noninterest-bearing transaction accounts of more than $250,000

RCONJ944

1,399

M.5.a.

b. Number of noninterest-bearing transaction accounts of more than $250,000

RCONJ945

M.5.b.

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:			1.
a. Closed-end first liens	RCONF066	0	1.a.
b. Closed-end junior liens	RCONF067	0	1.b.
c. Open-end loans extended under lines of credit:			1.c.
1. Total commitment under the lines of credit	RCONF670	0	1.c.1.
2. Principal amount funded under the lines of credit	RCONF671	0	1.c.2.
2. Wholesale originations and purchases during the quarter of 1-4 family residential mortgage loans for sale:			2.
a. Closed-end first liens	RCONF068	0	2.a.
b. Closed-end junior liens	RCONF069	0	2.b.
c. Open-end loans extended under lines of credit:			2.c.
1. Total commitment under the lines of credit	RCONF672	0	2.c.1.
2. Principal amount funded under the lines of credit	RCONF673	0	2.c.2.
3. 1-4 family residential mortgages sold during the quarter:			3.
a. Closed-end first liens	RCONF070	0	3.a.
b. Closed-end junior liens	RCONF071	0	3.b.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		35


Dollar amounts in thousands
c. Open-end loans extended under lines of credit:			3.c.
1. Total commitment under the lines of credit	RCONF674	0	3.c.1.
2. Principal amount funded under the lines of credit	RCONF675	0	3.c.2.
4. 1-4 family residential mortgages held for sale at quarter-end (included in Schedule RC, item 4.a):			4.
a. Closed-end first liens	RCONF072	0	4.a.
b. Closed-end junior liens	RCONF073	0	4.b.
c. Open-end loans extended under lines of credit:			4.c.
1. Total commitment under the lines of credit	RCONF676	0	4.c.1.
2. Principal amount funded under the lines of credit	RCONF677	0	4.c.2.
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.f, 5.g, and 5.i):			5.
a. Closed-end 1-4 family residential mortgage loans	RIADF184	0	5.a.
b. Open-end 1-4 family residential mortgage loans extended under lines of credit	RIADF560	0	5.b.
6. Repurchases and indemnifications of 1-4 family residential mortgage loans during the quarter:			6.
a. Closed-end first liens	RCONF678	0	6.a.
b. Closed-end junior liens	RCONF679	0	6.b.
c. Open-end loans extended under line of credit:			6.c.
1. Total commitment under the lines of credit	RCONF680	0	6.c.1.
2. Principal amount funded under the lines of credit	RCONF681	0	6.c.2.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		36

Schedule RC-Q — Assets and Liabilities Measured at Fair Value on a Recurring Basis

(Column B)

(Column A) Total

LESS: Amounts

Fair Value

Netted in the

(Column C) Level

(Column D) Level

(Column E) Level

Reported on

Determination of

1 Fair Value

2 Fair Value

3 Fair Value

Dollar amounts in thousands

Schedule RC

Total Fair Value

Measurements

1. Available-for-sale securities

RCON1773

RCONG474

RCONG475

RCONG476

RCONG477

1,512,775

2. Federal funds sold and securities purchased under

RCONG478

RCONG479

RCONG480

RCONG481

RCONG482

agreements to resell

3. Loans and leases held for sale

RCONG483

RCONG484

RCONG485

RCONG486

RCONG487

4. Loans and leases held for investment

RCONG488

RCONG489

RCONG490

RCONG491

RCONG492

5. Trading assets:

a. Derivative assets

RCON3543

RCONG493

RCONG494

RCONG495

RCONG496

5.a.

b. Other trading assets

RCONG497

RCONG498

RCONG499

RCONG500

RCONG501

5.b.

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

RCONF240

RCONF684

RCONF692

RCONF241

RCONF242

5.b.1.

6. All other assets

RCONG391

RCONG392

RCONG395

RCONG396

RCONG804

7. Total assets measured at fair value on a recurring

RCONG502

RCONG503

RCONG504

RCONG505

RCONG506

basis (sum of items 1 through 5.b plus item 6)

1,512,775

8. Deposits

RCONF252

RCONF686

RCONF694

RCONF253

RCONF254

9. Federal funds purchased and securities sold under

RCONG507

RCONG508

RCONG509

RCONG510

RCONG511

agreements to repurchase

10. Trading liabilities:

10.

a. Derivative liabilities

RCON3547

RCONG512

RCONG513

RCONG514

RCONG515

10.a.

b. Other trading liabilities

RCONG516

RCONG517

RCONG518

RCONG519

RCONG520

10.b.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		37

(Column B)

(Column A) Total

LESS: Amounts

Fair Value

Netted in the

(Column C) Level

(Column D) Level

(Column E) Level

Reported on

Determination of

1 Fair Value

2 Fair Value

3 Fair Value

Dollar amounts in thousands

Schedule RC

Total Fair Value

Measurements

11. Other borrowed money

RCONG521

RCONG522

RCONG523

RCONG524

RCONG525

11.

12. Subordinated notes and debentures

RCONG526

RCONG527

RCONG528

RCONG529

RCONG530

12.

13. All other liabilities

RCONG805

RCONG806

RCONG807

RCONG808

RCONG809

13.

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

RCONG531

RCONG532

RCONG533

RCONG534

RCONG535

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.

a. Mortgage servicing assets

RCONG536

RCONG537

RCONG538

RCONG539

RCONG540

M.1.a.

b. Nontrading derivative assets

RCONG541

RCONG542

RCONG543

RCONG544

RCONG545

M.1.b.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		38

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:		M.1.c.
1. Describe component	TEXTG546	M.1.c.1.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		39

Schedule RC-Q — Assets and Liabilities Measured at Fair Value on a Recurring Basis

(Column B)

(Column A) Total

LESS: Amounts

Fair Value

Netted in the

(Column C) Level

(Column D) Level

(Column E) Level

Reported on

Determination of

1 Fair Value

2 Fair Value

3 Fair Value

Dollar amounts in thousands

Schedule RC

Total Fair Value

Measurements

2. Amount of component

RCONG546

RCONG547

RCONG548

RCONG549

RCONG550

M.1.c.2.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		40

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:		M.1.d.
1. Describe component	TEXTG551	M.1.d.1.



CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		41

Schedule RC-Q — Assets and Liabilities Measured at Fair Value on a Recurring Basis

(Column B)

(Column A) Total

LESS: Amounts

Fair Value

Netted in the

(Column C) Level

(Column D) Level

(Column E) Level

Reported on

Determination of

1 Fair Value

2 Fair Value

3 Fair Value

Dollar amounts in thousands

Schedule RC

Total Fair Value

Measurements

RCONG551

RCONG552

RCONG553

RCONG554

RCONG555

2. Amount of component

M.1.d.2.



CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		42

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:

M.1.e.

1. Describe component

TEXTG556

M.1.e.1.



CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		43

Schedule RC-Q — Assets and Liabilities Measured at Fair Value on a Recurring Basis

(Column B)

(Column A) Total

LESS: Amounts

Fair Value

Netted in the

(Column C) Level

(Column D) Level

(Column E) Level

Reported on

Determination of

1 Fair Value

2 Fair Value

3 Fair Value

Dollar amounts in thousands

Schedule RC

Total Fair Value

Measurements

RCONG556

RCONG557

RCONG558

RCONG559

RCONG560

2. Amount of component

M.1.e.2.



CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		44

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:

M.1.f.

1. Describe component

TEXTG561

M.1.f.1.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		45

Schedule RC-Q — Assets and Liabilities Measured at Fair Value on a Recurring Basis

(Column B)

(Column A) Total

LESS: Amounts

Fair Value

Netted in the

(Column C) Level

(Column D) Level

(Column E) Level

Reported on

Determination of

1 Fair Value

2 Fair Value

3 Fair Value

Dollar amounts in thousands

Schedule RC

Total Fair Value

Measurements

2. Amount of component

RCONG561

RCONG562

RCONG563

RCONG564

RCONG565

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.

a. Loan commitments (not accounted for as derivatives)

RCONF261

RCONF689

RCONF697

RCONF262

RCONF263

M.2.a.

b. Nontrading derivative liabilities

RCONG566

RCONG567

RCONG568

RCONG569

RCONG570

M.2.b.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		46

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:		M.2.c.
1. Describe component	TEXTG571	M.2.c.1.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		47

Schedule RC-Q — Assets and Liabilities Measured at Fair Value on a Recurring Basis

(Column B)

(Column A) Total

LESS: Amounts

Fair Value

Netted in the

(Column C) Level

(Column D) Level

(Column E) Level

Reported on

Determination of

1 Fair Value

2 Fair Value

3 Fair Value

Dollar amounts in thousands

Schedule RC

Total Fair Value

Measurements

RCONG571

RCONG572

RCONG573

RCONG574

RCONG575

2. Amount of component

M.2.c.2.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		48

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:		M.2.d.
1. Describe component	TEXTG576	M.2.d.1.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		49

Schedule RC-Q — Assets and Liabilities Measured at Fair Value on a Recurring Basis

(Column B)

(Column A) Total

LESS: Amounts

Fair Value

Netted in the

(Column C) Level

(Column D) Level

(Column E) Level

Reported on

Determination of

1 Fair Value

2 Fair Value

3 Fair Value

Dollar amounts in thousands

Schedule RC

Total Fair Value

Measurements

RCONG576

RCONG577

RCONG578

RCONG579

RCONG580

2. Amount of component

M.2.d.2.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		50

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:

M.2.e.

1. Describe component

TEXTG581

M.2.e.1.


CAPITALSOURCE BANK	FFIEC 041
RSSD-ID 3806100	Quarter End Date 12/31/2010
Last Updated on 1/30/2011		51

Schedule RC-Q — Assets and Liabilities Measured at Fair Value on a Recurring Basis

(Column B)

(Column A) Total

LESS: Amounts

Fair Value

Netted in the

(Column C) Level

(Column D) Level

(Column E) Level

Reported on

Determination of

1 Fair Value

2 Fair Value

3 Fair Value

Dollar amounts in thousands

Schedule RC

Total Fair Value

Measurements

2. Amount of component

RCONG581

RCONG582

RCONG583

RCONG584

RCONG585

M.2.e.2.


CAPITALSOURCE BANK	FFIEC 041
RSSD-ID 3806100	Quarter End Date 12/31/2010
Last Updated on 1/30/2011		52

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:

M.2.f.

1. Describe component

TEXTG586

M.2.f.1.


CAPITALSOURCE BANK	FFIEC 041
RSSD-ID 3806100	Quarter End Date 12/31/2010
Last Updated on 1/30/2011		53

Schedule RC-Q — Assets and Liabilities Measured at Fair Value on a Recurring Basis

(Column B)

(Column A) Total

LESS: Amounts

Fair Value

Netted in the

(Column C) Level

(Column D) Level

(Column E) Level

Reported on

Determination of

1 Fair Value

2 Fair Value

3 Fair Value

Dollar amounts in thousands

Schedule RC

Total Fair Value

Measurements

2. Amount of component

RCONG586

RCONG587

RCONG588

RCONG589

RCONG590

M.2.f.2.



CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		54

Schedule RC-R — Regulatory Capital


Dollar amounts in thousands
1. Total bank equity capital (from Schedule RC, item 27.a)	RCON3210	924,644	1.
2. Net unrealized gains (losses) on available-for-sale securities	RCON8434	6,024	2.
3. Net unrealized loss on available-for-sale equity securities	RCONA221	0	3.
4. Accumulated net gains (losses) on cash flow hedges	RCON4336	0	4.
5. Nonqualifying perpetual preferred stock	RCONB588	0	5.
6. Qualifying noncontrolling (minority) interests in consolidated subsidiaries	RCONB589	0	6.
7. Not available			7.
a. Disallowed goodwill and other disallowed intangible assets	RCONB590	161,799	7.a.
b. Cumulative change in fair value of all financial liabilities accounted for under a fair value option that is included in retained earnings and is attributable to changes in the bank’s own creditworthiness	RCONF264	0	7.b.
8. Subtotal	RCONC227	756,821	8.
9. Not available			9.
a. Disallowed servicing assets and purchased credit card relationships	RCONB591	0	9.a.
b. Disallowed deferred tax assets	RCON5610	0	9.b.
10. Other additions to (deductions from) Tier 1 capital	RCONB592	0	10.
11. Tier 1 capital	RCON8274	756,821	11.
12. Qualifying subordinated debt and redeemable preferred stock	RCON5306	0	12.
13. Cumulative perpetual preferred stock includible in Tier 2 capital	RCONB593	0	13.
14. Allowance for loan and lease losses includible in Tier 2 capital	RCON5310	57,001	14.
15. Unrealized gains on available-for-sale equity securities includible in Tier 2 capital	RCON2221	0	15.
16. Other Tier 2 capital components	RCONB594	0	16.
17. Tier 2 capital	RCON5311	57,001	17.
18. Allowable Tier 2 capital	RCON8275	57,001	18.
19. Tier 3 capital allocated for market risk	RCON1395	0	19.
20. Deductions for total risk-based capital	RCONB595	0	20.
21. Total risk-based capital	RCON3792	813,822	21.
22. Average total assets (from Schedule RC-K, item 9)	RCON3368	5,918,404	22.
23. Disallowed goodwill and other disallowed intangible assets (from item 7 above)	RCONB590	161,799	23.
24. Disallowed servicing assets and purchased credit card relationships (from item 9.a above)	RCONB591	0	24.
25. Disallowed deferred tax assets (from item 9.b above)	RCON5610	0	25.
26. Other deductions from assets for leverage capital purposes	RCONB596	0	26.
27. Average total assets for leverage capital purposes	RCONA224	5,756,605	27.
28. Not available			28.
a. Adjustment to Tier 1 capital reported in item 11	RCONC228	0	28.a.
b. Adjustment to total risk-based capital reported in item 21	RCONB503	0	28.b.
29. Adjustment to risk-weighted assets reported in item 62	RCONB504	0	29.
30. Adjustment to average total assets reported in item 27	RCONB505	0	30.

Schedule RC-R — Regulatory Capital

(Column A) Percentage

(Banks with Financial

(Column B) Percentage

Dollar amounts in thousands

Subsidiaries)

(All Banks)

31. Tier 1 leverage ratio

RCON7273

0.000000

RCON7204

0.131470

31.

32. Tier 1 risk-based capital ratio

RCON7274

0.000000

RCON7206

0.168598

32.

33. Total risk-based capital ratio

RCON7275

0.000000

RCON7205

0.181296

33.



CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		55

Schedule RC-R — Regulatory Capital

(Column B)

(Column C)

(Column D)

(Column E)

(Column F)

(Column A)

Items Not

Allocation by

Totals (from

Subject to

Risk Weight

Dollar amounts in thousands

Schedule RC)

Risk-Weighting

Category 0%

Category 20%

Category 50%

Category 100%

34. Cash and balances dues from depository institutions

RCON0010

RCONC869

RCONB600

RCONB601

RCONB602

237,151

64,135

173,016

34.

35. Held-to-maturity securities

RCON1754

RCONB603

RCONB604

RCONB605

RCONB606

RCONB607

321,983

35.

36. Available-for-sale securities

RCON1773

RCONB608

RCONB609

RCONB610

RCONB611

RCONB612

1,512,775

10,041

730,062

772,672

36.

37. Federal funds sold and securities purchased under agreements to resell

RCONC225

RCONC063

RCONC064

RCONB520

37.

38. Loans and leases held for sale

RCON5369

RCONB617

RCONB618

RCONB619

RCONB620

RCONB621

14,201

38.

39. Loans and leases, net of unearned income

RCONB528

RCONB622

RCONB623

RCONB624

RCONB625

RCONB626

3,763,773

50,893

56,806

149,781

3,506,293

39.

40. Allowance for loan and lease losses

RCON3123

124,878

40.

41. Trading Assets

RCON3545

RCONB627

RCONB628

RCONB629

RCONB630

RCONB631

41.

42. All other assets

RCONB639

RCONB640

RCONB641

RCONB642

RCONB643

RCON5339

409,899

173,155

16,436

51,555

168,753

42.

43. Total Assets

RCON2170

RCONB644

RCON5320

RCON5327

RCON5334

RCON5340

6,134,904

58,318

861,526

1,376,032

149,781

3,689,247

43.

Schedule RC-R — Regulatory Capital

(Column A)

(Column B)

(Column C)

(Column D)

(Column E)

(Column F)

Face Value or

Credit

Allocation by

Notional

Equivalent

Risk Weight

Dollar amounts in thousands

Amount

Category 0%

Category 20%

Category 50%

Category 100%

44. Financial standby letters of credit

RCONB546

RCONB547

RCONB548

RCONB581

RCONB582

RCONB583

40,910

44.

45. Performance standby letters of credit

RCON3821

RCONB650

RCONB651

RCONB652

RCONB653

RCONB654

45.

46. Commercial and similar letters of credit

RCON3411

RCONB655

RCONB656

RCONB657

RCONB658

RCONB659

46.



CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		56

(Column A)

(Column B)

(Column C)

(Column D)

(Column E)

(Column F)

Face Value or

Credit

Allocation by

Notional

Equivalent

Risk Weight

Dollar amounts in thousands

Amount

Category 0%

Category 20%

Category 50%

Category 100%

47. Risk participations in bankers acceptances acquired by the reporting institution

RCON3429

RCONB660

RCONB661

RCONB662

RCONB663

47.

48. Securities lent

RCON3433

RCONB664

RCONB665

RCONB666

RCONB667

RCONB668

48.

49. Retained recourse on small business obligations sold with recourse

RCONA250

RCONB669

RCONB670

RCONB671

RCONB672

RCONB673

49.

50. Recourse and direct credit substitutes (other than financial standby letters of credit) subject to the low-level exposure rule and residual interests subject to a dollar-for-dollar capital requirement

RCONB541

RCONB542

RCONB543

50.

51. All other financial assets sold with recourse

RCONB675

RCONB676

RCONB677

RCONB678

RCONB679

RCONB680

51.

52. All other off-balance sheet liabilities

RCONB681

RCONB682

RCONB683

RCONB684

RCONB685

RCONB686

52.

53. Unused commitments:

53.

a. With an original maturity exceeding one year

RCON3833

RCONB687

RCONB688

RCONB689

RCONB690

RCONB691

958,699

479,350

53.a.

b. With an original maturity of one year or less to asset-backed commercial paper conduits

RCONG591

RCONG592

RCONG593

RCONG594

RCONG595

RCONG596

53.b.

54. Derivative contracts

RCONA167

RCONB693

RCONB694

RCONB695

932

54.

55. Total assets, derivatives, and off-balance sheet items by risk weight category

RCONB696

RCONB697

RCONB698

RCONB699

861,526

1,376,032

150,713

4,209,507

55.

56. Risk weight factor

56.

57. Risk-weighted assets by risk weight category

RCONB700

RCONB701

RCONB702

RCONB703

275,206

75,357

4,209,507

57.

58. Market risk equivalent assets

RCON1651

58.

59. Risk-weighted assets before deductions for excess allowance for loan and lease losses and allocated transfer risk reserve

RCONB704

4,560,070

59.

60. Excess allowance for loan and lease losses

RCONA222

61. Allocated transfer risk reserve

71,161

60.

RCON3128

61.



CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		57

(Column A)

(Column B)

(Column C)

(Column D)

(Column E)

(Column F)

Face Value or

Credit

Allocation by

Notional

Equivalent

Risk Weight

Dollar amounts in thousands

Amount

Category 0%

Category 20%

Category 50%

Category 100%

62. Total risk-weighted assets

RCONA223

4,488,909

62.



CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		58

Schedule RC-R — Regulatory Capital


Dollar amounts in thousands
1. Current credit exposure across all derivative contracts covered by the risk-based capital standards	RCON8764	0	M.1.

Schedule RC-R — Regulatory Capital

(Column B) With

a remaining

(Column A) With

maturity of over

(Column C) With

a remaining

one year

a remaining

maturity of one

through five

maturity of over

Dollar amounts in thousands

year or less

years

five years

2. Notional principal amounts of derivative contracts:

M.2.

a. Interest rate contracts

RCON3809

RCON8766

RCON8767

M.2.a.

b. Foreign exchange contracts

RCON3812

RCON8769

RCON8770

18,633

M.2.b.

c. Gold contracts

RCON8771

RCON8772

RCON8773

M.2.c.

d. Other precious metals contracts

RCON8774

RCON8775

RCON8776

M.2.d.

e. Other commodity contracts

RCON8777

RCON8778

RCON8779

M.2.e.

f. Equity derivative contracts

RCONA000

RCONA001

RCONA002

M.2.f.

g. Credit derivative contracts: Purchased credit protection that (a) is a covered position under the market risk rule or (b) is not a covered position under the market risk rule and is not recognized as a guarantee for risk-based capital purposes:

M.2.g.

1. Investment grade

RCONG597

RCONG598

RCONG599

M.2.g.1.

2. Subinvestment grade

RCONG600

RCONG601

RCONG602

M.2.g.2.



CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		59

Schedule RC-S — Servicing Securitization and Asset Sale Activities

(Column G)

All Other

(Column A)

(Column E)

(Column F)

Loans, All

1-4 Family

(Column B)

(Column C)

Other

Commercial

Leases, and

Residential

Home Equity

Credit Card

(Column D)

Consumer

and Industrial

All Other

Dollar amounts in thousands

Loans

Lines

Receivables

Auto Loans

Loans

Assets

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

RCONB705

RCONB706

RCONB707

RCONB708

RCONB709

RCONB710

RCONB711

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:

a. Credit-enhancing interest-only strips (included in Schedules RC-B or RC-F or in Schedule RC, item 5)

RCONB712

RCONB713

RCONB714

RCONB715

RCONB716

RCONB717

RCONB718

2.a.

b. Subordinated securities and other residual interests

RCONC393

RCONC394

RCONC395

RCONC396

RCONC397

RCONC398

RCONC399

2.b.

c. Standby letters of credit and other enhancements

RCONC400

RCONC401

RCONC402

RCONC403

RCONC404

RCONC405

RCONC406

2.c.

3. Reporting bank’s unused commitments to provide liquidity to structures reported in item 1

RCONB726

RCONB727

RCONB728

RCONB729

RCONB730

RCONB731

RCONB732

4. Past due loan amounts included in item 1:

a. 30-89 days past due

RCONB733

RCONB734

RCONB735

RCONB736

RCONB737

RCONB738

RCONB739

4.a.

b. 90 days or more past due

RCONB740

RCONB741

RCONB742

RCONB743

RCONB744

RCONB745

RCONB746

4.b.

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):

a. Charge-offs

RIADB747

RIADB748

RIADB749

RIADB750

RIADB751

RIADB752

RIADB753

5.a.

b. Recoveries

RIADB754

RIADB755

RIADB756

RIADB757

RIADB758

RIADB759

RIADB760

5.b.

6. Amount of ownership (or seller’s) interests carried as:

a. Securities (included in Schedule RC-B or in Schedule RC, item 5)

RCONB761

RCONB762

RCONB763

6.a.



CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		60

(Column G)

All Other

(Column A)

(Column E)

(Column F)

Loans, All

1-4 Family

(Column B)

(Column C)

Other

Commercial

Leases, and

Residential

Home Equity

Credit Card

(Column D)

Consumer

and Industrial

All Other

Dollar amounts in thousands

Loans

Lines

Receivables

Auto Loans

Loans

Assets

b. Loans (included in Schedule RC-C)

RCONB500

RCONB501

RCONB502

6.b.

7. Past due loan amounts included in interests reported in item 6.a:

a. 30-89 days past due

RCONB764

RCONB765

RCONB766

7.a.

b. 90 days or more past due

RCONB767

RCONB768

RCONB769

7.b.

8. Charge-offs and recoveries on loan amounts included in interests reported in item 6.a (calendar year-to-date):

a. Charge-offs

RIADB770

RIADB771

RIADB772

8.a.

b. Recoveries

RIADB773

RIADB774

RIADB775

8.b.

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

RCONB776

RCONB777

RCONB778

RCONB779

RCONB780

RCONB781

RCONB782

10. Reporting bank’s unused commitments to provide liquidity to other institutions’ securitization structures

RCONB783

RCONB784

RCONB785

RCONB786

RCONB787

RCONB788

RCONB789

10.

11. Assets sold with recourse or other seller-provided credit enhancements and not securitized by the reporting bank

RCONB790

RCONB791

RCONB792

RCONB793

RCONB794

RCONB795

RCONB796

11.

12. Maximum amount of credit exposure arising from recourse or other seller-provided credit enhancements provided to assets reported in item 11

RCONB797

RCONB798

RCONB799

RCONB800

RCONB801

RCONB802

RCONB803

12.



CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		61

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:				M.1.
a. Outstanding principal balance	RCONA249		0	M.1.a.
b. Amount of retained recourse on these obligations as of the report date	RCONA250		0	M.1.b.
2. Outstanding principal balance of assets serviced for others (includes participations serviced for others):				M.2.
a. Closed-end 1-4 family residential mortgages serviced with recourse or other servicer-provided credit enhancements	RCONB804		0	M.2.a.
b. Closed-end 1-4 family residential mortgages serviced with no recourse or other servicer-provided credit enhancements	RCONB805		0	M.2.b.
c. Other financial assets (includes home equity lines)	RCONA591		4,539,096	M.2.c.
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)	RCONF699		0	M.2.d.
3. Asset-backed commercial paper conduits:				M.3.
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:				M.3.a.
1. Conduits sponsored by the bank, a bank affiliate, or the bank’s holding company	RCONB806		0	M.3.a.1.
2. Conduits sponsored by other unrelated institutions	RCONB807		0	M.3.a.2.
b. Unused commitments to provide liquidity to conduit structures:				M.3.b.
1. Conduits sponsored by the bank, a bank affiliate, or the bank’s holding company	RCONB808		0	M.3.b.1.
2. Conduits sponsored by other unrelated institutions	RCONB809		0	M.3.b.2.
4. Outstanding credit card fees and finance charges included in Schedule RC-S, item 1, column C	RCONC407	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.)

RCONA345

2. Does the institution exercise the fiduciary powers it has been granted?

RCONA346

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.)

RCONB867



CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		62

Schedule RC-T — Fiduciary and Related Services

(Column B)

(Column C) Number

(Column D) Number

(Column A)

Non-Managed

of Managed

of Non-Managed

Dollar amounts in thousands

Managed Assets

Assets

Accounts

4. Personal trust and agency accounts

RCONB868

RCONB869

RCONB870

RCONB871

5. Employee benefit and retirement-related trust and agency accounts:

a. Employee benefit — defined contribution

RCONB872

RCONB873

RCONB874

RCONB875

5.a.

b. Employee benefit — defined benefit

RCONB876

RCONB877

RCONB878

RCONB879

5.b.

c. Other employee benefit and retirement-related accounts

RCONB880

RCONB881

RCONB882

RCONB883

5.c.

6. Corporate trust and agency accounts

RCONB884

RCONB885

RCONC001

RCONC002

7. Investment management and investment advisory agency accounts

RCONB886

RCONJ253

RCONB888

RCONJ254

8. Foundation and endowment trust and agency accounts

RCONJ255

RCONJ256

RCONJ257

RCONJ258

9. Other fiduciary accounts

RCONB890

RCONB891

RCONB892

RCONB893

10. Total fiduciary accounts (sum of items 4 through 9)

RCONB894

RCONB895

RCONB896

RCONB897

10.

11. Custody and safekeeping accounts

RCONB898

RCONB899

11.

12. Not applicable

12.

13. Individual Retirement Accounts, Health Savings Accounts, and other similar accounts (included in items 5.c and 11)

RCONJ259

RCONJ260

RCONJ261

RCONJ262

13.



CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		63

Schedule RC-T — Fiduciary and Related Services


Dollar amounts in thousands
14. Personal trust and agency accounts	RIADB904	NR		14.
15. Employee benefit and retirement-related trust and agency accounts:				15.
a. Employee benefit — defined contribution	RIADB905	NR		15.a.
b. Employee benefit — defined benefit	RIADB906	NR		15.b.
c. Other employee benefit and retirement-related accounts	RIADB907	NR		15.c.
16. Corporate trust and agency accounts	RIADA479	NR		16.
17. Investment management and investment advisory agency accounts	RIADJ315	NR		17.
18. Foundation and endowment trust and agency accounts	RIADJ316	NR		18.
19. Other fiduciary accounts	RIADA480	NR		19.
20. Custody and safekeeping accounts	RIADB909	NR		20.
21. Other fiduciary and related services income	RIADB910	NR		21.
22. Total gross fiduciary and related services income (sum of items 14 through 21) (must equal Schedule RI, item 5.a)	RIAD4070		0	22.
23. Less: Expenses	RIADC058	NR		23.
24. Less: Net losses from fiduciary and related services	RIADA488	NR		24.
25. Plus: Intracompany income credits for fiduciary and related services	RIADB911	NR		25.
26. Net fiduciary and related services income	RIADA491	NR		26.

Schedule RC-T — Fiduciary and Related Services

(Column A)

(Column B)

Personal Trust

Employee

and Agency and

Benefit and

Investment

Retirement-Related

Management

Trust and

Agency

(Column C) All

Dollar amounts in thousands

Accounts

Other Accounts

1. Managed assets held in fiduciary accounts:

M.1.

a. Noninterest-bearing deposits

RCONJ263

RCONJ264

RCONJ265

M.1.a.

b. Interest-bearing deposits

RCONJ266

RCONJ267

RCONJ268

M.1.b.

c. U.S. Treasury and U.S. Government agency obligations

RCONJ269

RCONJ270

RCONJ271

M.1.c.

d. State, county, and municipal obligations

RCONJ272

RCONJ273

RCONJ274

M.1.d.

e. Money market mutual funds

RCONJ275

RCONJ276

RCONJ277

M.1.e.

f. Equity mutual funds

RCONJ278

RCONJ279

RCONJ280

M.1.f.

g. Other mutual funds

RCONJ281

RCONJ282

RCONJ283

M.1.g.

h. Common trust funds and collective investment funds

RCONJ284

RCONJ285

RCONJ286

M.1.h.

i. Other short-term obligations

RCONJ287

RCONJ288

RCONJ289

M.1.i.

j. Other notes and bonds

RCONJ290

RCONJ291

RCONJ292

M.1.j.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		64

(Column A)

(Column B)

Personal Trust

Employee

and Agency and

Benefit and

Investment

Retirement-Related

Management

Trust and

Agency

(Column C) All

Dollar amounts in thousands

Accounts

Other Accounts

k. Investments in unregistered funds and private equity Investments

RCONJ293

RCONJ294

RCONJ295

M.1.k.

l. Other common and preferred stocks

RCONJ296

RCONJ297

RCONJ298

M.1.l.

m. Real estate mortgages

RCONJ299

RCONJ300

RCONJ301

M.1.m.

n. Real estate

RCONJ302

RCONJ303

RCONJ304

M.1.n.

o. Miscellaneous assets

RCONJ305

RCONJ306

RCONJ307

M.1.o.

p. Total managed assets held in fiduciary accounts (for each column, sum of Memorandum items 1.a through 1.o)

RCONJ308
NR

RCONJ309
NR

RCONJ310
NR

M.1.p

Schedule RC-T — Fiduciary and Related Services

(Column A) Managed

(Column B) Number of

Dollar amounts in thousands

Assets

Managed Accounts

q. Investments of managed fiduciary accounts in advised or sponsored mutual funds

RCONJ311

RCONJ312

M.1.q.

Schedule RC-T — Fiduciary and Related Services

(Column A) Number of

(Column B) Principal

Dollar amounts in thousands

Issues

Amount Outstanding

2. Corporate trust and agency accounts:

M.2.

a. Corporate and municipal trusteeships

RCONB927

RCONB928

M.2.a.

1. Issues reported in Memorandum item 2.a that are in default

RCONJ313

RCONJ314

M.2.a.1.

b. Transfer agent, registrar, paying agent, and other corporate agency

RCONB929

M.2.b.

Schedule RC-T — Fiduciary and Related Services

(Column A) Number of

(Column B) Market Value

Dollar amounts in thousands

Funds

of Fund Assets

3. Collective investment funds and common trust funds:

M.3.

a. Domestic equity

RCONB931

RCONB932

M.3.a.

b. International/Global equity

RCONB933

RCONB934

M.3.b.

c. Stock/Bond blend

RCONB935

RCONB936

M.3.c.

d. Taxable bond

RCONB937

RCONB938

M.3.d.

e. Municipal bond

RCONB939

RCONB940

M.3.e.

f. Short term investments/Money market

RCONB941

RCONB942

M.3.f.

g. Specialty/Other

RCONB943

RCONB944

M.3.g.

h. Total collective investment funds (sum of Memorandum items 3.a through 3.g)

RCONB945

RCONB946

M.3.h.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		65

Schedule RC-T — Fiduciary and Related Services

(Column A)

(Column B)

Gross Losses

Managed

Non-Managed

(Column C)

Dollar amounts in thousands

Accounts

Recoveries

4. Fiduciary settlements, surcharges, and other losses:

M.4.

a. Personal trust and agency accounts

RIADB947

RIADB948

RIADB949

M.4.a.

b. Employee benefit and retirement-related trust and agency accounts

RIADB950

RIADB951

RIADB952

M.4.b.

c. Investment management agency accounts

RIADB953

RIADB954

RIADB955

M.4.c.

d. Other fiduciary accounts and related services

RIADB956

RIADB957

RIADB958

M.4.d.

e. Total fiduciary settlements, surcharges, and other losses (sum

RIADB959

RIADB960

RIADB961

of Memorandum items 4.a through 4.d) (sum of columns A and B minus column C must equal Schedule RC-T, item 24)

M.4.e.

General Instructions


Dollar amounts in thousands
1. Who Must Report on What Forms		1.
a. Close of Business		1.a.
b. Frequency of Reporting		1.b.
c. Differences in Detail of Reports		1.c.
d. Shifts in Reporting Status		1.d.
2. Organization of the Instruction Books		2.
3. Preparation of the Reports		3.
4. Signatures		4.
a. Officer Declaration		4.a.
b. Director Attestation		4.b.
5. Submission of the Reports		5.
a. Submission Date		5.a.
b. Amended Reports		5.b.
6. Retention of Reports		6.
7. Scope of the “Consolidated Bank” Required to be Reported in the Submitted Reports		7.
a. Exclusions from the Coverage of the Consolidated Report		7.a.
8. Rules of Consolidation		8.
9. Reporting by Type of Office (For banks with foreign offices)		9.
10. Publication Requirements for the Report of Condition		10.
11. Release of Individual Bank Reports		11.
12. Applicability of Generally Accepted Accounting Principles to Regulatory Reporting Requirements		12.
13. Accrual Basis Reporting		13.
14. Miscellaneous General Instructions		14.
a. Rounding		14.a.
b. Negative Entries		14.b.
c. Verification		14.c.
d. Transactions Occurring Near the End of a Reporting Period		14.d.
15. Separate Branch Reports		15.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		66

Glossary


Dollar amounts in thousands
1. Glossary		1.
2. Acceptances		2.
3. Accounting Changes		3.
4. Accounting Errors, Corrections of		4.
5. Accounting Estimates, Changes in		5.
6. Accounting Principles, Changes in		6.
7. Accrued Interest Receivable Related to Credit Card Securitizations		7.
8. Acquisition, Development, or Construction (ADC) Arrangements		8.
9. Agreement Corporation		9.
10. Allowance for Loan and Lease Losses		10.
11. Applicable Income Taxes		11.
12. Associated Company		12.
13. ATS Account		13.
14. Bankers Acceptances		14.
a. Bank-Owned Life Insurance		14.a.
15. Banks, U.S. and Foreign		15.
16. Banks in Foreign Countries		16.
17. Bill-of-Lading Draft		17.
18. Borrowings and Deposits in Foreign Offices		18.
19. Brokered Deposits		19.
20. Broker’s Security Draft		20.
21. Business Combinations		21.
22. Call Option		22.
23. Capitalization of Interest Costs		23.
24. Carrybacks and Carryforwards		24.
25. Cash Management Arrangements		25.
26. Certificate of Deposit		26.
27. Changes in Accounting Estimates		27.
28. Changes in Accounting Principles		28.
29. Clearing Accounts		29.
30. Commercial Banks in the U.S.		30.
31. Commercial Letter of Credit		31.
32. Commercial Paper		32.
33. Commodity or Bill-of-Lading Draft		33.
34. Common Stock of Unconsolidated Subsidaries, Investments in		34.
35. Continuing Contract		35.
36. Corporate Joint Venture		36.
37. Corrections of Accounting Errors		37.
38. Coupon Stripping, Treasury Receipts, and STRIPS		38.
39. Custody Account		39.
40. Dealer Reserve Account		40.
a. Deferred Compensation Agreements		40.a.
41. Deferred Income Taxes		41.
42. Demand Deposits		42.
43. Depository Institutions in the U.S.		43.
44. Deposits		44.
45. Derivative Contracts		45.
a. Discounts		45.a.
46. Dividends		46.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		67


Dollar amounts in thousands
47. Domestic Office		47.
48. Domicile		48.
49. Due Bills		49.
50. Edge and Agreement Corporation		50.
a. Equity-Indexed Certificates of Deposit		50.a.
51. Equity Method of Accounting		51.
52. Extinguishments of Liabilities		52.
53. Extraordinary Items		53.
54. Fails		54.
a. Fair Value		54.a.
55. Federal Funds Transactions		55.
56. Federally-Sponsored Lending Agency		56.
57. Fees, Loan		57.
58. Foreclosed Assets		58.
59. Foreign Banks		59.
60. Foreign Currency Transactions and Translation		60.
61. Foreign Debt Exchange Transactions		61.
62. Foreign Governments and Official Institutions		62.
63. Foreign Office		63.
64. Forward Contracts		64.
65. Functional Currency		65.
66. Futures Contracts		66.
67. Goodwill		67.
68. Hypothecated Deposit		68.
69. IBF		69.
70. Income Taxes		70.
71. Intangible Assets		71.
72. Interest-Bearing Account		72.
73. Interest Capitalization		73.
74. Interest Rate Swaps		74.
75. Internal-Use Computer Software		75.
76. International Banking Facility (IBF)		76.
77. Interoffice Accounts		77.
78. Investments in Common Stock of Unconsolidated Subsidiaries		78.
79. Joint Venture		79.
80. Lease Accounting		80.
81. Letter of Credit		81.
82. Limited-Life Preferred Stock		82.
83. Loan		83.
84. Loan Fees		84.
85. Loan Impairment		85.
86. Loan Secured by Real Estate		86.
87. Loss Contingencies		87.
88. Majority-Owned Subsidiary		88.
89. Mandatory Convertible Debt		89.
91. Mergers		91.
92. Money Market Deposit Account (MMDA)		92.
93. Nonaccrual Status		93.
94. Noninterest-Bearing Account		94.
95. Nontransaction Account		95.
96. NOW Account		96.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		68


Dollar amounts in thousands
97. Offsetting		97.
98. One-Day Transaction		98.
99. Option		99.
100. Organization Costs		100.
101. Other Depository Institutions in the U.S.		101.
102. Other Real Estate Owned		102.
103. Overdraft		103.
104. Participations		104.
105. Participations in Acceptances		105.
106. Participations in Pools of Securities		106.
107. Pass-through Reserve Balances		107.
108. Perpetual Preferred Stock		108.
109. Placements and Takings		109.
110. Pooling of Interests		110.
111. Preauthorized Transfer Account		111.
112. Preferred Stock		112.
113. Premiums and Discounts		113.
114. Purchase Acquisition		114.
a. Purchased Impaired Loans and Debt Securities		114.a.
115. Put Option		115.
116. Real Estate ADC Arrangements		116.
117. Real Estate, Loan Secured By		117.
118. Reciprocal Balances		118.
119. Renegotiated Troubled Debt		119.
120. Reorganizations		120.
121. Repurchase/Resale Agreements		121.
122. Reserve Balances, Pass-through		122.
123. Retail Sweep Arrangements		123.
124. Sales of Assets for Risk-Based Capital Purposes		124.
125. Savings Deposits		125.
126. Securities Activities		126.
127. Securities Borrowing/Lending Transactions		127.
128. Securities, Participations in Pools of		128.
129. Servicing Assets and Liabilities		129.
130. Settlement Date Accounting		130.
131. Shell Branches		131.
132. Short Position		132.
133. Significant Subsidary		133.
134. Standby Letter of Credit		134.
135. Start-Up Activities		135.
136. STRIPS		136.
137. Subordinated Notes and Debentures		137.
138. Subsidiaries		138.
139. Suspense Accounts		139.
140. Syndications		140.
141. Telephone Transfer Account		141.
142. Term Federal Funds		142.
143. Time Deposits		143.
144. Trade Date and Settlement Date Accounting		144.
145. Trading Account		145.
146. Transction Account		146.


CAPITALSOURCE BANK		FFIEC 041
RSSD-ID 3806100		Quarter End Date 12/31/2010
Last Updated on 1/30/2011		69


Dollar amounts in thousands
147. Transfers of Financial Assets		147.
148. Traveler’s Letter of Credit		148.
149. Treasury Receipts		149.
150. Treasury Stock		150.
151. Troubled Debt Restructurings		151.
152. Trust Preferred Securities		152.
153. U.S. Banks		153.
154. U.S. Territories and Possessions		154.
155. Valuation Allowance		155.
156. When-Issued Securities Transactions		156.

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