RCONF162: Leases to Individuals for Household, Family, and Other Personal Expenditures (I.e. Consumer Leases)
RCONF162 is the call report code for leases to individuals for household, family, and other personal expenditures (i.e. consumer leases), reported on Schedule RC-C, Part I, Loans and Leases. For Q2 2026, 719 banks reported it, totaling $71.7M; the median among the 10 with a nonzero amount was $1.1M. The largest value reported for Q2 2026 was $36.1M, by Murphy Bank.
Definition
Report all outstanding balances relating to direct financing and leveraged leases on property acquired by the fully consolidated bank for leasing to individuals for household, family, and other personal expenditures (i.e., consumer leases). For further information on extending credit to individuals for consumer purposes, refer to the instructions for Schedule RC-C, part I, item 6.c, 'Other consumer loans.'
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RCONF162 sits on the call report
| Code | RCONF162 (prefix RCON, item F162) |
|---|---|
| Prefix RCON | Domestic offices. Banks without foreign offices (FFIEC 041 and 051 filers) report their whole balance sheet in RCON items. |
| Schedule | RC-C, Part I, Loans and Leases |
| Reported on | FFIEC 041 |
| Value | Dollar amount, reported in thousands, as of the quarter end |
| In the MDRM since | 2007 |
The same item under other prefixes
Item F162 is also reported under these codes. Which banks file each one depends on the form they file.
| Code | Meaning of the prefix | Banks reporting |
|---|---|---|
| RCFDF162 | The consolidated bank, domestic and foreign offices, reported by FFIEC 031 filers (banks with foreign offices) | 80 |
Largest reported values, Q2 2026
| Bank | Headquarters | RCONF162 |
|---|---|---|
| Murphy Bank | Fresno, CA | $36.1M |
| Texas Bank and Trust Company | Longview, TX | $17.8M |
| First US Bank | Birmingham, AL | $11.5M |
| Commercewest Bank | Irvine, CA | $3.3M |
| The First National Bank of Fort Smith | Fort Smith, AR | $1.3M |
| American National Bank & Trust | Wichita Falls, TX | $888K |
| The State Bank and Trust Company | Defiance, OH | $631K |
| Community West Bank | Fresno, CA | $47K |
| North Shore Bank | Brookfield, WI | $27K |
| Citizens Business Bank, N.A. | Ontario, CA | $5K |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 719 | $71.7M |
| March 31, 2026 | 728 | $58.8M |
| December 31, 2025 | 744 | $62.9M |
| September 30, 2025 | 748 | $61.5M |
| June 30, 2025 | 764 | $62.6M |
| March 31, 2025 | 776 | $167.1M |
| December 31, 2024 | 780 | $187.1M |
| September 30, 2024 | 782 | $370.6M |
Related
All codes on Schedule RC-C, Part I · All call report schedules · Find the code for a loan type · What a call report is