ex_342950.htm

Mid-Western District
2345 Grand Avenue, Suite 700
Kansas City, Missouri 64108

Federal Reserve Bank of Kansas City
Federal Reserve P.O. Station
Kansas City, Missouri 64198

Supervising Examiner
Federal Deposit Insurance Corporation
720 Olive Street, Suite 2909
St. Louis, Missouri 63101

Item 16. LIST OF EXHIBITS: List below all exhibits filed as a part of this statement of eligibility and qualification.

Pursuant to the requirements of the Trust Indenture Act of 1939, as amended, the Trustee, UMB BANK, NATIONAL ASSOCIATION, a national banking association organized and existing under the laws of the United States of America, has duly caused this statement of eligibility and qualification to be signed on its behalf by the undersigned, thereunto duly authorized, all in the city of Houston, State of Texas on the 3^rd of March, 2022.

All schedules are to be reported in thousands of dollars. Unless otherwise indicated, report the amount outstanding as of the last business day of the quarter.

1a = An integrated audit of the reporting institution's financial statements and its internal control over financial reporting conducted in accordance with the standards of the American Institute of Certified Public Accountants (AICPA) or the Public Company Accounting Oversight Board (PCAOB) by an independent public accountant that submits a report on the institution

1b = An audit of the reporting institution's financial statements only conducted in accordance with the auditing standards of the AICPA or the PCAOB by an independent public accountant that submits a report on the institution

2a = An integrated audit of the reporting institution's parent holding company's consolidated financial statements and its internal control over financial reporting conducted in accordance with the standards of the AICPA or the PCAOB by an independent public accountant that submits a report on the consolidated holding company (but not on the institution separately)

2b = An audit of the reporting institution's parent holding company's consolidated financial statements only conducted in accordance with the auditing standards of the AICPA or the PCAOB by an independent public accountant that submits a report on the consolidated holding company (but not on the institution separately)

3 = This number is not to be used

4 = Directors' examination of the bank conducted in accordance with generally accepted auditing standards by a certified public accounting firm (may be required by state-chartering authority)

5 = Directors' examination of the bank performed by other external auditors (may be required by state-chartering authority)

6 = Review of the bank's financial statements by external auditors

7 = Compilation of the bank's financial statements by external auditors

8 = Other audit procedures (excluding tax preparation work) institution separately)

9 = No external audit work

Maryland	84-2178264
(State or other jurisdiction of incorporation or organization)	(I.R.S. Employer Identification No.)

Dollar Amounts in Thousands					RCFD	Amount
Assets
1. Cash and balances due from depository institutions (from Schedule RC-A):
a. Noninterest-bearing balances and currency and coin (1)					0081	413,212	1.a.
b. Interest-bearing balances (2)					0071	8,811,903	1.b.
2. Securities:
a. Held-to-maturity securities (from Schedule RC-B, column A) (3)					JJ34	1,478,476	2.a.
b. Available-for-sale debt securities (from Schedule RC-B, column D)					1773	11,976,466	2.b.
c. Equity securities with readily determinable fair values not held for trading (4)					JA22	23,415	2.c.
3. Federal funds sold and securities purchased under agreements to resell:
a. Federal funds sold				RCON	B987	0	3.a.
b. Securities purchased under agreements to resell (5,6)				RCFD	B989	1,215,666	3.b.
4. Loans and lease financing receivables (from Schedule RC-C):					RCFD
a. Loans and leases held for sale					5369	1,277	4.a.
b. Loans and leases held for investment		B528	17,170,843				4.b.
c. LESS: Allowance for loan and lease losses (7)		3123	194,771				4.c.
d. Loans and leases held for investment, net of allowance (item 4.b minus 4.c)					B529	16,976,072	4.d.
5. Trading assets (from Schedule RC-D)					3545	27,935	5.
6. Premises and fixed assets (including capitalized leases)					2145	214,844	6.
7. Other real estate owned (from Schedule RC-M)					2150	0	7.
8. Investments in unconsolidated subsidiaries and associated companies					2130	0	8.
9. Direct and indirect investments in real estate ventures					3656	0	9.
10. Intangible assets (from Schedule RC-M)					2143	148,154	10.
11. Other assets (from Schedule RC-F) (6)					2160	1,104,865	11.
12. Total assets (sum of items 1 through 11)					2170	42,392,285	12.
Liabilities
13. Deposits:					RCON
a. In domestic offices (sum of totals of columns A and C from Schedule RC-E, Part I)					2200	35,809,744	13.a.
(1) Noninterest-bearing (8)	RCON	6631	16,552,459				13.a.1.
(2) Interest-bearing	RCON	6636	19,257,285				13.a.2.
b. In foreign offices, Edge and Agreement subsidiaries, and IBFs					RCFN
(from Schedule RC-E, Part II)					2200	0	13.b.
(1) Noninterest-bearing	RCFN	6631	0				13.b.1
(2) Interest-bearing	RCFN	6636	0				13.b.2
14. Federal funds purchased and securities sold under agreements to repurchase:
a. Federal funds purchased in domestic offices (9)				RCON	B993	12,597	14.a.
b. Securities sold under agreements to repurchase (10)				RCFD	B995	3,225,838	14.b.
15. Trading liabilities (from Schedule RC-D)				RCFD	3548	0	15.
16. Other borrowed money (includes mortgage indebtedness) (from Schedule RC-M)				RCFD	3190	0	16.

^1.	Includes cash items in process of collection and unposted debits.
^2.	Includes time certificates of deposit not held for trading.
^3.	Institutions that have adopted ASU 2016-13 should report in item 2.a amounts net of any applicable allowance for credit losses, and item 2.a should equal Schedule RC-B, item 8, column A, less Schedule RI-B, Part II, item 7, column B.
^4.	Item 2.c is to be completed by all institutions. See the instructions for this item and the Glossary entry for "Securities Activities" for further detail on accounting for investments in equity securities.
^5.	Includes all securities resale agreements, regardless of maturity.
^6.	Institutions that have adopted ASU 2016-13 should report in items 3.b and 11 amounts net of any applicable allowance for credit losses.
^7.	Institutions that have adopted ASU 2016-13 should report in item 4.c the allowance for credit losses on loans and leases.
^8.	Includes noninterest-bearing, demand, time, and savings deposits.
^9.	Report overnight Federal Home Loan Bank advances in Schedule RC, item 16, "Other borrowed money."
^10.	Includes all securities repurchase agreements, regardless of maturity.

Dollar Amounts in Thousands	RCFD	Amount
Liabilities - continued 17. and 18. Not applicable
19. Subordinated notes and debentures (1)	3200	0	19.
20. Other liabilities (from Schedule RC-G)	2930	373,879	20.
21. Total liabilities (sum of items 13 through 20)	2948	39,422,058	21.
22. Not applicable
Equity Capital Bank Equity Capital
23. Perpetual preferred stock and related surplus	3838	0	23.
24. Common stock	3230	21,250	24.
25. Surplus (excludes all surplus related to preferred stock)	3839	849,822	25.
26. a. Retained earnings	3632	1,967,146	26.a.
b. Accumulated other comprehensive income (2)	B530	132,009	26.b.
c. Other equity capital components (3)	A130	0	26.c.
27. a. Total bank equity capital (sum of items 23 through 26.c)	3210	2,970,227	27.a.
b. Noncontrolling (minority) interests in consolidated subsidiaries	3000	0	27.b.
28. Total equity capital (sum of items 27.a and 27.b)	G105	2,970,227	28.
29. Total liabilities and equity capital (sum of items 21 and 28)	3300	42,392,285	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 2020	RCFD	Number
1.		6724	NR	M.1.

^1.	Includes limited-life preferred stock and related surplus.
^2.	Includes, but is not limited to, net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses) on cash flow hedges, and accumulated defined benefit pension and other postretirement plan adjustments.
^3.	Includes treasury stock and unearned Employee Stock Ownership Plan shares.