RCONF231: Total Maximum Remaining Amount of Negative Amortization Contractually Permitted on Closed-end Loans Secured by 1-4 Family Residential Properties.
RCONF231 is the call report code for total maximum remaining amount of negative amortization contractually permitted on closed-end loans secured by 1-4 family residential properties., reported on Schedule RC-C, Part I, Loans and Leases. For Q2 2026, 5 banks reported it, totaling $4.16B; the median among the 4 with a nonzero amount was $792.2M. The largest value reported for Q2 2026 was $2.50B, by Wells Fargo Bank, N.A.
Definition
To be completed by banks that had 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 (b)) as of the previous December 31 report date, with a carrying amount (before any loan loss allowances) that exceeds the lesser of $100 million or 5 percent of total loans and leases, net of unearned income, in domestic offices (as reported in Schedule RC-C, part I, item 12, column B), as of the previous December 31 report date. For all closed-end loans secured by 1-4 family residential properties whose terms allow for negative amortization (that were reported in Schedule RC-C, part I, Memorandum item 8.a), report the total maximum remaining amount of negative amortization permitted under the terms of the loan contract (i.e., the maximum loan principal balance permitted under the negative amortization cap less the principal balance of the loan as of the quarter-end report date).
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RCONF231 sits on the call report
| Code | RCONF231 (prefix RCON, item F231) |
|---|---|
| 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 031, FFIEC 041, FFIEC 051 |
| Value | Dollar amount, reported in thousands, as of the quarter end |
| In the MDRM since | 2007 |
Largest reported values, Q2 2026
| Bank | Headquarters | RCONF231 |
|---|---|---|
| Wells Fargo Bank, N.A. | Sioux Falls, SD | $2.50B |
| JPMorgan Chase Bank, N.A. | Columbus, OH | $1.44B |
| U.S. Bank N.A. | Cincinnati, OH | $142.4M |
| First-Citizens Bank & Trust Company | Raleigh, NC | $72.0M |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 5 | $4.16B |
| March 31, 2026 | 1 | $0 |
| December 31, 2025 | 6 | $4.49B |
| September 30, 2025 | 1 | $0 |
| June 30, 2025 | 7 | $4.73B |
| March 31, 2025 | 2 | $0 |
| December 31, 2024 | 6 | $4.99B |
| September 30, 2024 | 1 | $0 |
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