Index to Statistical Tables References are to pages A3-A79 although the prefix “A” is omitted in this index ACCEPTANCES, bankers (See Bankers acceptances) Demand deposits — Continued Agricultural loans, commercial banks, 19, 20 Ownership by individuals, partnerships, and corporations, 21 Assets and liabilities (See also Foreigners) Turnover, 15 Banks, by classes, 18-20 Depository institutions Domestic finance companies, 34 Reserve requirements, 8 Federal Reserve Banks, 10 Reserves and related items, 3, 4, 5, 12 Financial institutions, 25, 79 Deposits (See also specific types) Foreign banks, U.S. branches and agencies, 21, 74-77 Banks, by classes, 3, 18-20, 21 Automobiles Federal Reserve Banks, 4, 10 Consumer installment credit, 37, 38 Turnover, 15 Production, 47, 48 Discount rates at Reserve Banks and at foreign central banks and foreign countries (See Interest rates) BANKERS acceptances, 9, 22, 23 Discounts and advances by Reserve Banks (See Loans) Bankers balances, 18-20. (See also Foreigners) Dividends, corporate, 33 Bonds (See also U.S. government securities) - New issues, 33 EMPLOYMENT, 45 Rates, 23 Eurodollars, 23 Branch banks, 21, 55, 74-77 Business activity, nonfinancial, 44 Business expenditures on new plant and equipment, 33 FARM mortgage loans, 36 Business loans (See Commercial and industrial loans) Federal agency obligations, 4, 9, 10, 11, 29, 30 Federal credit agencies, 31 Federal finance CAPACITY utilization, 46 Debt subject to statutory limitation, and types and ownership Capital accounts of gross debt, 28 Banks, by classes, 18 Receipts and outlays, 26, 27 Federal Reserve Banks, 10 Treasury financing of surplus, or deficit, 26 Central banks, discount rates, 67 Treasury operating balance, 26 Certificates of deposit, 23 Federal Financing Bank, 26, 31 Commercial and industrial loans Federal funds, 6, 17, 19, 20, 21, 23, 26 Commercial banks, 16, 19, 70-73 Federal Home Loan Banks, 31 Weekly reporting banks, 19-21 Federal Home Loan Mortgage Corporation, 31, 35, 36 Commercial banks Federal Housing Administration, 31, 35, 36 Assets and liabilities, 18-20, 70-73, 74-77 Federal Land Banks, 36 Commercial and industrial loans, 16, 18, 19, 20, 21, 74-77 Federal National Mortgage Association, 31, 35, 36 Consumer loans held, by type and terms, 37, 38, 73 Federal Reserve Banks Loans sold outright, 19 Condition statement, 10 Nondeposit funds, 17 Discount rates (See Interest rates) Real estate mortgages held, by holder and property, 36 U.S. government securities held, 4, 10, 11, 28 Terms of lending, 70-73 Federal Reserve credit, 4, 5, 10, 11 Time and savings deposits, 3 Federal Reserve notes, 10 Commercial paper, 22, 23, 34 Federal Reserve System Condition statements (See Assets and liabilities) Balance sheet for priced services, 80 Construction, 44, 49 Condition statement for priced services, 81 Consumer installment credit, 37, 38 Federally sponsored credit agencies, 31 Consumer prices, 44, 46 Finance companies Consumption expenditures, 52, 53 Assets and liabilities, 34 Corporations Business credit, 34 Nonfinancial, assets and liabilities, 33 Loans, 37, 38 Profits and their distribution, 33 Paper, 22, 23 Security issues, 32, 65 Financial institutions Cost of living (See Consumer prices) Loans to, 19, 20, 21 Credit unions, 37 Selected assets and liabilities, 25 Currency and coin, 18 Float, 4, 81 Currency in circulation, 4, 13 Flow of funds, 39, 41, 42, 43 Customer credit, stock market, 24 Foreign banks, assets and liabilities of U.S. branches and agencies, 21, 74-77 DEBITS to deposit accounts, 14 Foreign currency operations, 10 Debt (See specific types of debt or securities) Foreign deposits in U.S. banks, 4, 10, 19, 20 Demand deposits Foreign exchange rates, 68 Banks, by classes, 18-21 Foreign trade, 54 Foreigners REAL estate loans Claims on, 55, 57, 60, 61, 62, 64 Banks, by classes, 16, 19, 20, 36, 72 Liabilities to, 20, 54, 55, 57, 58, 63, 65, 66 Financial institutions, 25 Terms, yields, and activity, 35 GOLD Type of holder and property mortgaged, 36 Certificate account, 10 Repurchase agreements, 6, 17, 19, 20, 21 Stock, 4, 54 Reserve requirements, 8 Government National Mortgage Association, 31, 35, 36 Reserves Gross national product, 51 Commercial banks, 18 Depository institutions, 3, 4, 5, 12 HOUSING, new and existing units, 49 Federal Reserve Banks, 10 U.S. reserve assets, 54 INCOME, personal and national, 44, 51, 52 Residential mortgage loans, 35 Industrial p: »duction, 44, 47 Retail credit and retail sales, 37, 38, 44 Installment loans, 37, 38 Insurance companies, 25, 28, 36, 79 SAVING Interest rates Flow of funds, 39, 41, 42, e Bonds, 23 National income accounts,5 Commercial banks, 70-73 Savings and loan associations, %6,3 7, 39. (See also SAIF-insured Consumer installment credit, 38 institutions) Federal Reserve Banks, 7 Savings Association Insurance Funds (SAIF) insured institutions, 25 Foreign central banks and foreign countries, 67 Savings banks, 25, 36, 37 Money and capital markets, 23 Savings deposits (See Time and savings deposits) Mortgages, 35 Securities (See also specific types) Prime rate, 22 Federal and federally sponsored credit agencies, 31 International capital transactions of United States, 53-67 Foreign transactions, 65 International organizations, 57, 58, 60, 63, 64 Life insurance companies, 79 Inventories, 51 New issues, 32 Investment companies, issues and assets, 33 Prices, 24 Investments (See also specific types) Special drawing rights, 4, 10, 53, 54 Banks, by classes, 18, 19, 20, 21, 25 State and local governments Commercial banks, 3, 16, 18-20, 36 Deposits, 19, 20 Federal Reserve Banks, 10, 11 Holdings of U.S. government securities, 28 Financial institutions, 25, 36 New security issues, 32 Ownership of securities issued by, 19, 20, 25 LABOR force, 45 Rates on securities, 23 Life insurance companies (See Insurance companies) Stock market, selected statistics, 24 Loans (See also specific types) Stocks (See also Securities) Banks, by classes, 18-20 New issues, 32 Commercial banks, 3, 16, 18-20 Prices, 24 Federal Reserve Banks, 4, 5, 7, 10, 11 Student Loan Marketing Association, 31 Federal Reserve System, 80-81 Financial institutions, 25, 36 TAX receipts, federal, 27 Insured or guaranteed by United States, 35, 36, 78 Thrift institutions, 3. (See also Credit unions and Savings and loan associations) MANUFACTURING Time and savings deposits, 3, 13, 17, 18, 19, 20, 21 Capacity utilization, 46 Trade, foreign, 54 Production, 46, 48 Treasury cash, Treasury currency, 4 Margin requirements, 24 Treasury deposits, 4, 10, 26 Member banks (See also Depository institutions) Treasury operating balance, 26 Federal funds and repurchase agreements, 6 Reserve requirements, 8 UNEMPLOYMENT, 45 Mining production, 48 U.S. government balances Mobile homes shipped, 49 Commercial bank holdings, 18, 19, 20 Monetary and credit aggregates, 3, 12 Treasury deposits at Reserve Banks, 4, 10, 26 Money and capital market rates, 23 U.S. government securities Money stock measures and components, 3, 13 Bank holdings, 18-20, 21, 28 Mortgages (See Real estate loans) Dealer transactions, positions, and financing, 30 Mutual funds, 33 Federal Reserve Bank holdings, 4, 10, 11, 28 Mutual savings banks (See Thrift institutions) Foreign and international holdings and transactions, 10, 28, 66 NATIONAL defense outlays, 27 Open market transactions, 9 National income, 51 Outstanding, by type and holder, 25, 28 Rates, 23 OPEN market transactions, 9 U.S. international transactions, 53-67 Utilities, production, 48 PERSONAL income, 52 Prices Consumer and producer, 44, 50 VETERANS Administration, 35, 36 Stock market, 24 Prime rate, 22 WEEKLY reporting banks, 19-21 Producer prices, 44, 50 Wholesale (producer) prices, 44, 50 Production, 44, 47 Profits, corporate, 33 YIELDS (See Interest rates) Index to Volume 77 GUIDE TO PAGE REFERENCES IN MONTHLY ISSUES Issue Text “A” Pages “A” pages Index to Index to tables tables 84-85 505-624 1-69 78-79 88-89 625-684 1-83 90-91 84-85 685-768 1-69 78-79 84-85 769-846 1-75 82-83 287-374 84-85 847-966 1-79 88-89 375-504 84-85 967-1020 1-85 94-95 Statistical tables are indexed separately (see p. A88 of this issue). ‘ AGRICULTURE, article on ar BANCA Nazionale del Lavoro Agriculture, U.S. Department of Bank Commissioner of Maryland Allison, Theodore E., appointed Assistant to the Board Bank for International Settlements, Basle for Federal Reserve System Affairs Bank Holding Company Act of 1956 Altman, Robert A., in statement Orders issued under Alvarez, Scott G., promoted to Associate General Counsel ... BUR ONO NS ao.oa os .s:c:ssis asics ne wiciabiew sae eb ecwe 1015 American Bankers Association 1st Source Corporation 281 Americans with Disabilities Act of 1990 A.N.B: Molding Conmatry, 110.25. .265 0c. cidcscdeuds 764 Angell, Wayne D. ABN AMRO Holaing N.V., Amsterdam, Federal Reserve System expenses and budget, statement ... The Netherlands 189, 356, 621 Annual Report, 1990 ABN AMRO North America, Inc. ...............e0seeeeee 356 Annual Statistical Digest, 1980-89 Absarokee Bancorporation, Inc. ...............seeeeeeeees 678 Articles Adairaville Bamcatiases, INC. ............sc0cceccseccsccesee 197 An update on the farm economy Adamsville Bancshares, Inc. .............ccccccccceccccees 678 Bank holding company investments for community Agri Bancorporation development Albemene Bank Nederland, N.V., Amsterdam, Clearing and payment systems: The role of the The Netherlands central bank Allied Irish Banks, plc, Dublin, Ireland Diffusion indexes of industrial production Jt ye UO 0 ee 841 Electronic transfer of government benefits PCO PMINAR IEG yf o.onis6 6s se cccsisaceccesatensseiese 502 Home Mortgage Disclosure Act: Expanded data American Community Bank, Inc. on residential lending AmFirst Bancorporation Household spending and saving: Measurement, trends, Amsterdam-Rotterdam Bank N.V., Amsterdam, and analysis The Netherlands Issues in labor supply ANB Corporation Method for evaluating interest rate risk in U.S. PI NN NN. i655 5 cin ccacisescissa scceeunssoecneseis 279 commercial PRIN RI No sso onc cccieinin sn tinccicce¥accevedaces 492 Monetary policy report to the Congress Appleton City Bancshares, Inc. ...............sseeeeeeeees 1003 Payment of household debts Area Bancshares Corporation 843 Primer on the settlement of payments in the United States .. PN ooo soca vies ce cisnccnesescicsccee 197 Progress toward a European Monetary Union 769 Arvada Bank Holding Company 140 Recent developments affecting the profitability ATVORt GIO VIN. «0. 5.25.52 c0 sc eccecescatcee §.asues 618 and practices of commercial banks NPE 60's Ssvenncnccessseccscacsncsacesas 620 PS soe cleo csinhecsatnincnessassassecee 1015 Treasury and Federal Reserve Foreign Exchange B & G Investment Company 140 Operations 18, 230, 528, 784 Banc One Corporation U.S. international transactions in 1990 287 Banc One Ohio Corporation .. Association of Community Organizations for Reform Now. Banco Europeo de Finanzas, S.A., Madrid, Spain Automated clearinghouses Bancorp — TNs mrcrosw asa Gene Aine Obes oder 843 New fees postponed ORIsets tA c ne hor ac 267 Role in payment system, article Bancshares of Iac kson Hole Incorporated Pages Pages Bank Holding Company Act of 1956—Continued Bank Holding Company Act of 1956—Continued Orders issued under — Continued Orders issued under— C ontinued EUNM NON POON ING ood ccis ci cbsewcinssscedcaacsvesd 500 Commercial Bancorporation, Inc. ..............sseeeeeeee 679 Bank Management Group, Ltd. ...............sceeeeeeseee pe Commercial BancShares, Incorporated Bank of North America Bancorp,I n Commercial Banshares, REPRE 765 BankAmerica Corporation. 75, 140,1 96, 278, 613, 763, a Community Bancshares, Inc. .................++ 354, 356, 962 Bankers Corp Community Bankshares ‘of Wyoming Bankers TrustN ew York Corporation Community Financial Holding Company 354 BanPonce Corporation, Hato Rey, Puerto Rico Community First Bankshares, Inc. .................. 679, 962 Banque Nationale de Paris, Paris, France CN RI 5 ino 0495 an desk sw ndeee cede caosasae 354 Barclays Bank PLC, London, England Community Independent Bancorp, Inc. .................. 197 Barclays PLC, London, England Community Trust Financial Services Corporation Barnett Banks, Inc. Crawford Bancorp, Inc. BB&T Financial Corporation Credit Lyonnais, Paris, France Beaman Bancshares, Inc. Creditanstalt-Bankverein, Vienna, Austria .... Bethany Bankshares, Inc. Crowell Bancshares, Inc. Beulah Bancorporation, Inc. .. ............sseeeeeeeeeeees 1015 CTB Financial Corporation Big ens Dancamnres CORP. 2. 60... 00 iascecscccedesaskadses 962 Dai-Ichi Kangyo Bank, Limited, Big Sandy Holding Company Tokyo, Japan 184, 281, = DP POR TG, oon 5 3s. ccc cddi ccc dcbekes 197 Dakota Company, MR aac as ada dln daty earaandekscoctae Biue Waters Bancshares, Inc. ...........ccccccccecsecaces 500 Dauphin Deposit Corporation Boatmen’s Bancshares, Inc. ...............2.eeeeeeeees 78, 666 Dawson Corporation BOK Financial Corporation Decatur Corporation MI «oon cabana cada tKcvccanedensiddcedvictinstatecncdka n 962 ee PI INE ooo. co ccncceceeeccdccescesnscnsees Houtman Banetares ING: 5.cc.iec ee se.iedsdec euncet 618 Denali Bancorporation, Inc. ............0..sceeeeeeeeeeees 500 Breckenridge Bancshares Company Desert Southwest Community Bancorp Britt Bancshares 198 DNB Financial Corporation Brooke Foltines INC. «2.0.6. .2..cctisacnedsSeecs 197, 620, 765 East Ridge Bancshares, Inc: ..........c0s.cescccsccccecsee 356 Button Gwinnett Bancorp, Inc. 27 Eastern Iowa Bancshares — spony de Credit Agricole, S.A., Ellsworth Bancshares, Inc. 78, 143, 765 Empire Banc Corporation Caldwell C( ouey MMICM TON DINE? |i onic. .cicicescatedeseds 500 I cosine os Sac ade does sc ccowdabdedcaaaadyecs 500 Caledonia Financial Corporation BING ON In 5 aii ced ac iesecdcesdeccsccdces'es 841 Carolina First BancShares, Inc. Eurocapital, S.A., Madrid, Spain 108 Carolina First Corporation TN 55,5 oa5020 cen aligdacescdsageccseeds 614 Catherine Stuart Schmoker Family Partnership Evergrocm Demcetates,I nc. <2... 22602 co ccdesececeeseess 1017 TIED PIMMMCIO! COEDS 6 5ec sn cvdiccccccttectesvelscaredaais 618 Exchange Bankshares Sonpieaien of Kansas ee IN IIMIID so... cos c0d sic ob ueddaccusecaiededs 140 Exeter Bamcorporation, Inc... -..)....<<iccsecccecscctceceve CBW Bancorp Foe Re ne, FG an. 655i neces inden dacecescs Cedar Creek Bancshares, Inc. EN.B. Corporation Cedar Valley Bankshares, Ltd. .................sseeeeeees 679 F.W.S.F. Corporation Central Arkansas ae WSEAS saajs's vhadbaauseaeds 679 Farmers and Merchants Investment Co. ...............++. 841 ComiiaE OMNI, BOs «ose teks. eons. Seeceencdacdons 1015 Farmers Savings Bank Employee Stock Ownership Central Bancshares of theS outh, Inc. Plan & Trust COMMA CINON eo. ase ove cnn sccn teddeedddwenes 618 Fayette County Bancshares, Inc. ..............sseeeeeeees 681 Central Banking Group, Inc. ...............cceseeeeseeeees 619 Ln ie, ee ER ES Ree Stree bert PEN ee 502 Central Ilinois Bancorp, Inc. ................sscecccsecses 962 PCP IMMOMIEINE, TEC. o.oo cc. cena ce ddewescsesainces 619, 681 CRIPRR CE MIO TRS 5 on oiss oins oic ens cctgcodeccdasess 279 Fidelity Bancorporation, Inc. ..............eeeeeeeeeeeeees 197 Chadwick Bancshares, Inc. Fidelity BancShares (N.C.), Inc. ...........seeeeseeeeees 1017 Chambers Bancshares, Inc. Fidelity Company Chandler Bancshares, Inc. Fifth Third Banco Chase Manhattan Corporation Fifth Third Bank, Cincinnati, Ohio Chemical Banking Corporation Fifth Third Bank, Columbus, Ohio Cherokee Bancorp First Abilene Bankshares, Inc Chesapeake Bancorp First American Financial Corporation Citicorp First Bancorp of Durango, Inc. ............2.ceeeeeeeeeees 140 NONI IIS a a6 oi0o oo acnnvdnachencecacacceden 354 First Bancorp, Inc. Citizens Financial Corporation Employee Stock First Bancshares of Stevenson, Inc. Ownership Plan First Bancshares of Valley City, Inc Citizens National Bancorp, Inc. Teepe RCO TO on cine oc csicdnoansnedovedndnnananas 841 Citizens National Bancshares of Hope, Inc. .............. 964 I QIN ob oes a sn sack sccyausdedoonsenbeeaeied 354 Clear Laie Pavettone, ING. oo. 6 5cs0 cece ccestccscasense 140 Fiset Berle Syetema Tae. 6. 5.5. ces cnc dncscccnsncaes 78, 281, oa CIN No ised b>c e ccidnieca sec dswescdcacsanauauupeta 197 First Belleville Bancshares, Inc. 141 CNB Bancorp, Inc. Employees Stock Ownership Plan ... First Bentonville Bancshares, Inc. ............0+2eeeeeeeee 962 I oe isi ccc scicds Venconintacecuduccusne 679 Ficst Bectin Bamconp.. Ine. 2... <cdsie. cacicncsseseviees 354 CNB Financial Corporation 197 First Citizens BancShares, Inc. ..............2seeeeeeeeees 620 RR NIN ao ices ws 8 eects 50 ccctaidaviadsaacuae 964 First Colonial Bankshares 2 mag Coalwell Bancorporation 841 First Commerce BancsharesI,nc . ............++eeeeeeeees bn COME MN IRs oo 5 sic Vcc lin cecesteaduss 679 First Commercial Bancshares, LETT: Columbia Bancorp-Delaware, Inc. ..............seseeeees 764 First Commercial Corporation 78, 140, 763, se CANON TOM os 55 oS ccc 5 ccwcdtscucusceucaes 764 First Commercial Holding Corporation Comerica Incorporated 131 First Community Bancshares, Inc. .............+2++++: 50, S02 CEPINNINNINN SIRINOEIN, a5 5. shina ce sciscascectdgnpesdaaecenens 1015 Firat Decater Bemcetaret TRG... cece cccncsévcivecssndene 619 A92__—s* Federal Reserve Bulletin 1]D ecember 1991 Bank Holding Company Act of 1956—Continued Bank Holding Company Act of 1956—Continued Orders issued under —C ontinued Orders issued under —Continued First Financial Bancorp Grygla Financial Corporation IR os, 5... ci ce neecesoncocctmetcas GSB Holding, Inc. First Heartland Bancorp Guaranty Bancshares, Inc. ..............sceseseseeseeees 76, 78 First Interstate Bancorp Guaranty Financial Corp. ASE TO ir Ca 76, 78 First Interstate BancSystem of Montana, Inc. ............ 1007 Hansen Freeborn, Inc. 842 Firat Jowa State Shares, IMc. ......02..ccscccccccvcccvccess 841 Harleysville National Corporation First Laurel Security Company | ep ee 198 First Lindsay Corporation HayWald DAMEMMATNE NOE. 8.6 55.05. kenccnccvedsecesccsscece 180 First Marengo Financial Corporation Heartland Bancorporation 355 First Maryland Banco’ Henderson Citizens Bancshares, Inc. ................0000+ 963 First McKinley Corporation Henderson Citizens Delaware Bancshares, Inc. .......... 963 First Medicine Lodge Bancshares, Inc 842 Heron Lake Bancahares, Inc. .....c.c.cccccccccccccdseects 621 First Michigan Bank Corporation 141, 489, 501, 962 Hettinger Holding Company, Inc. ..............0ceeeeeees 198 First National Bancorp of Columbia, Inc. ................ 279 High Point Financial Services, Inc. ..................e000+ 501 First National Bancorp, Inc. ...............sseeeeeeeees 76, 619 PRN ERre biois.50ia% 05 cnc oStes ocdeseatonsedsBacees 1017 First National Bancorporation of Stoughton 354 HP Holding Company First National BancShares, Inc. ..............sscseeeeeeees 141 HSBC a plc, Hong Kong First National Corporation of West Point 621 BNI aisha ease so ncied ceindvn adi vaaetwotencesecoes 501 First National Insurance Agency, Inc. ................000. 619 Husker Bank Holding COMPANY, ING: oriececon ed .ec is sa e 355 First National of Nebraska, Inc. ................sseeeeeeee 1016 TMOG HMC MIMNCOND ING... 250. sccmoesevsaecscscesees 501 First National Security Company 7164 Illiopolis Bancorporation, Incorporated POPE, BIE. S55 sini5b's.. bs Fis ceeh a ccacndeey 764 INB Financial Corporation First Neighborhood Bancshares, Inc. .............:.0e000 198 Indiana United Bancorp First North Financial Services, Inc. ...............sceeee. 842 InterWest National Bancorp First Norton Corporation 76 Jacob Schmidt Company and American First of America Bank Corporation 353, 621, 840, 961 IEE osc. c cca cedeccnd ces sovanicceule 198 PRPC TE MONI, FIG. isis cin ccecicen cede waseccsen's 279 James Stuart, Jr. Family Partnership 141 First of Huron Corporation : Jefferson County Bancorp., Inc. ............csecseeeeeeees 355 PE iia cancun chica web ose aenctnaee teats’ . 141 Johnson Heritage Bancorp, Ltd. ...............cseeeeeeees 141 First Peoria Corp. 76 Johnson International Bancorp, Ltd. ...................055 144 First Pinellas Financial Group, Inc. ...................00. 501 Johnson International, Inc. ...............ccccecccccccccces 619 First State Bancorp of Monticello, Inc. ................00. 279 Jones Holding Company, Ltd. ................ssceeeeeeees 142 PA NNT BNC ose ons nccseseticctdecsesieacnces 501 Key Centurion Bancshares, Inc. ..................06. 142, ps Eo PT ae eRe 141 Meeyasone Pameneigl TRG. i. cc sec cs. leveaccsevnvccdses First State Corporation Kirkwood Bancorporation BEL icoculip does atimseohwsa soats is 6 First State Management Corporation, Inc. ............... Kislak Financial Corporation First Stauntoi Bancshares, Inc. ................ceeeeeeeees 501 Klossner Bancorporation, Inc. .............scceeceeeeeeees First Universal Bancorporation, Inc. .................006. 962 Krause Financial, Inc. Piret Vereen NR) TNC. 5 on ovate scnesccvecese 621, 843 KSB Financial, Inc. PR MOE MND ooo oata os onic enincainsa Heche ebs-cstenas 76 Kyowa Bank, Limited, Tokyo, Japan Firstar Corporation 135, 1005 La Salle National Corporation Firstbank of Illinois Co. 500 Lake Elmo Bank Profit Sharing Plan and the Lake Fischer Corporation 962 Elmo Bank Profit Sharing Trust Fleet/Norstar Financial Group, Inc. ............ 196, 483, 750 Landmark Bancshares, Inc. ..............0cccssececeseores 279 Fleet/Norstar New York, Inc. 196 Larimer Bancorporation, Inc. ............sssscsscsssseees 501 IN, 5.6 diane dain unis scone cndsbucssoueoek 354 PIRI BNE 8 sooo 0s Docc daneceascadeusuatateacs 502 Ford Bank aie TSE ic. csieeHidnte dihce n 279 MAMIE shoe dls Coiec S ces oaie'ss andaelecascdepeesdeipenens 77 PE TINE oss scan ccinasusdcvegdedgnevovtecas 279 Liberty Bancorporation 280 Founders Financial Corporation 354 Liberty National Bancorp, Inc. .................0000 619, 964 Four County Bancshares, Inc. ..................005+ Jet 679 EANCGUMIMMCIONCOEDS BAC. 6.0.5.0. 50cceescosccnsiacenne 281 Fourth Financial Corporation Lisco State Company Fremont Bank en Locust Grove Banshares, Inc. FS Banco, Inc. RNIN tic ing vin n'ac iaainw'sa:d ecaenlveh's vullee ctelate 764 FS Bancshares, BENE 25Se lcisiasduasewcestateaveacaseseauneeans 842 Luxemburg Bancshares, Inc. ..............scseceeeceeeees 63 FSB Bancorp 501 NNN 658s pcan 05 cio< sicheniGselgsa sssceiesewe'bsad 1011 ILS <scine sh nessovios evasincsat'sssdinemarna e 141 Main Street Banks Incorporated 115 Fuji Bank, Limited, Tokyo, Japan DARD NE ioc sco snecscvicccienscvossersns 679 Fulton Financial Corporation Manufacturers Hanover Corporation Geneva State Company Marshall & Isley Corporation Gifford Bancorp, Inc., Employee Stock DAREOOUMEM ANCOR, TING: oi. 6 0inso c ssecestccneesacdocsscves 142 Ownership Plan Maybaco Company, Limited Partnership Glasgow Bancshares Corporation MBNA AmericaBagk NLA. .....0.00.050.ccecccsecccones 181 Grand Valley Corporation EN lorena Aclasnaisavcecvswessrceiaecmentisasd 181 Great Lakes Financial Resources, Inc., Employee PREY IO TING sins 5 ae sia c ec iewddessesetes 501 Stock Ownership Plan Meader Insurance Agency Great River Banshares Corporation Mechanicsville Trust & Savings Bank Employee Stock Great Southern Capital Corporation Employee Stock Ownership Plan and Trust Ownership Trust WACEGRIANG CORMIER a6 3 0s 58 se sieisien cee scccioe ten sie 280 Greater Southwest Bancshares, Inc., Employee Stock Mercantile Bancorporation, Inc. ..............s.ceeeeeeees 78 Ownership Plan Meridian Mutual Holding Company Index to Volume 77 A93 Bank Holding Company Act of 1956—Continued Bank Holding Company Act of 1956—Continued Orders issued under — Continued Orders issued under— Continued Michigan National Corporation Plains Bancorp Delaware, Inc. Mid-America National Bancorp, Inc. ................ 280, 842 Plains Bancorp, Inc. MidAmerica Bank Maplewood 619 Plainview Holding Company MidAmerica Banshares Inc. ... «...........0sseccccccsesess 619 Plato Bancshares, Inc. MidAmerican Corporation PpaR eI co ci dnnn scackctecceccncacacesie 501, 619 Midland Financial Corporation Prosperity Banking Company 501 Midlothian State Bank Employee Stock Prowitierst BAMCOEP EOC. .....< 2... cocceccccesesecsena 140, 1015 Ownership Trust Rawlins National Bancorporation, Inc. ................... 764 Midwest Banco Corporation EN NON os fede nsdn dicndaaccvnsickacacdenetin 198 Miners National Bancorp, Inc. RCN Holding Company 764 Minnesota- Wisconsin Bancshares, Inc. Wen pOMC ANONS TNS oso. oo cadvaccieceaencescoscaatig 198 po ES reee ere cre 198 Rebank Netherlands Antilles, N.V. .................. 196, 763 Mitsubishi Bank, Limited, Tokyo, Japan Republic Banking Corporation of Florida Mitsui Manufacturers Bank Resource Bancshares Corporation Mitsui Taiyo Kobe Bank, Limited, Tokyo, Japan PROG EAMG RIE Me os Soa ccc scandnccessaduenss MEN TIN oo cigo va ne cn svn de sscccccvocenarcsawdtes 181 Rio Bancshares Corporation MN III TUNE oo cc ccccncccccccsectoveadsades 680 River Forest Bancorp, Inc. TRU MES ose is cccccuscsccvecctecscvescacsnake 1016 I oo Sig onc ccese ces ccsedacceneante 842 WMO EINES USUI, BING 0.5. sc cicsicccccccesisecssesnes 1017 Rock Rivers Bancorp Moorcroft Corporation Roscoe Financial Corporation Moorcroft State Bank Routt County National Bank Corporation Morgan Community Bancorp, Inc. ...............200ee00 840 DORI RUN N NO 5 65 olsc arccanangsesadasnssdsvescees 619 Morton Financial Corporation Royal Bank of Canada, Montreal, Quebec, Canada Mountain Holding Corporation ; Rurban Financial Corp. Mountain-Valley Bancshares, Inc. .................00eeeee Rushmore Financial Services, Inc. Mountaineer Bankshares of West Virginia, Inc. .......... 142 Se NI RII INES 8o o cc cdecdcicccnvasecectscsvseens 620 National Banc of Commerce Company San Juan Delaware Financial Corporation 620 National City Corporation SNR INE INE A a ae caninacc eeccsdecaccaenaccdeaaa t 620 National Penn Bancshares, Inc. Sanwa Bank, Limited, Osaka, Japan ICN IGS osc s Scdanecncoddeeteadesagseeecastes 963, 964 SEP RMIM TIN, occ cadnsse saturates cxunasabecceiins ci 355 NBD Illinois, Inc. 964 SCB Financial Corporation 142 NCNB Corporation SCOte Commie RR TR 5 «ose adc ccccsdsnnc ccusse se 142 Nebraska Bancorporation, BNE ws oucthic, <alcaeansc eee Scott Stuart Family Partnership Nebraska Bankshares, Inc. Seafirst Corporation North Fork Bancorporation SORWay MMCRMTON INES oieicia's ose ss dicccsescecasscsecsads 364 North Milwaukee Bancshares, Inc. Second Mid America Bancorp, Inc. .................0000+ 680 North Park Bancshares, Inc. Security Corporation North Platte Corporation Security Pacific Bancorporation Northwest Northern California Community Bancorporation, Inc. Security Pacific Corporation Northern States Financial Corporation Security State Bank Holding Company Northern Trust Corporation SONI EICR OIC. 2055 5 5civ oc nncepcedaacstcaveveds 1016 Northern Trust of California Corporation SSUMIE NOONE oes Ssgicccccccsecadtduacsnansuees 199 Norwest Corporation 110, 114, 198, 281, 343, Signet Banking Corporation 356, 502, 681, 765, 844, 964 Simmons First National Corporation Norwest Financial Services, Inc. 281, 502, 844 Siouxland Bank Holding Company INGE WERE PINATCIAES INE. 0.0 55. cc ccecsscceeesceres 281, 502, 844 Skandinaviska Enskilda Banken, Oakland Financial Services, Inc. ..............eseseseeees 680 Stockholm, Sweden Ol Neco PEMEORD ING, ©... 2.5.00. -ccececasecenvecdsenes 501 SNB Financial Corporation Orchard Bancorp South Carolina National Corporation Osterreichische Landerbank Aktiengesellschaft, South Dakota Bancorp, Ine... «<<.. .6..6.6scecccsctescesecse 679 Vienna, Austria South Dakota Financial Bancorporation, Inc. ............ 680 Otoe County Bancorporation, Inc. ...................ee0es 680 South Florida Bank Holding Corporation Overton Financial Corporation Southern National Corporation Owatonna Bancshares, Inc. Southwest Company Paloma Bancshares, Inc. Southwest Florida Banks, Incorporated Park Cities Bancshares, Inc. Southwestern Wisconsin Bancshares, Inc. Park Cities Corporation Staples Financial Services, Inc. ..............ccsssccsesees Parkway Bancorp, Inc. SEAR Primers CN ooo soins is enccccndcdadscwosen 199 Peoples Bank of Brevard, Inc. ................ceccsccceeces 355 Star Banc Corporation Peoples Bancholding Company, Inc. ................:000 963 Star Banc Corporation, Kentucky Peoples Holding Company 355 Sterling Bancorp Peoples Independent Bancshares, Inc. ..................4. 1016 STICHTING PRIORITEIT ABN AMRO Holding, Peoples Preferred Bancshares, Inc. ...............-.sss00s 355 Amsterdam, The Netherlands Peotone Bancorp, Inc. 142 Stichting Administratiekantoor ABN AMRO Holding, Phelps County Bank Employee Stock Ownership Plan ... 198 Amsterdam, The Netherlands 189, 356, 621 Philippine Commercial International Bank, Manila, Stichting Prioriteit ABN AMRO Holding, The Philippines Amsterdam, The Netherlands 356, 621 Philippine National Bank, Manila, The Philippines Stockmen’s Management Co. .................cceccesecee 77 Pikeville National Corporation Stuart Family Partnership Pinmecle Watts GHOUD LING, oc... cenecesccenscseceves 142, — Sumitomo Bank, Limited, Osaka, Japan MINIM a sos satan Hila vpn adesasceascccoaanseden A94 ‘Federal Reserve Bulletin 1] December 1991 Bank Holding Company Act of 1956—Continued Bank Merger Act—Continued Orders issued under— Continued Orders issued under— C ontinued Summit Bancorp Chemical Bank Bay Area TNS Sct ans os cheeks ~bncoenssennncnes 952 Chemical Bank Michigan Summit Bancorporation 681 Citizens Bank & Trust Company Sun Financial Corporation Comerica Bank - Detroit I I ono oi cas ssasnatpscnsinencteaces 620 Commercial State Bank Interim of Orlando Swatara Bancorp, Inc. 765 Crestar Bank Swiss Bank Corporation, Basle, Switzerland 26, First Exchange Bank of Madison County Synovus Financial Corp. ...............+.. 199, 502, 765, 954 First of America Bank-Northern Michigan TAG Bancshares, Inc. 501 First of America Bank-West Michigan IE IO 25i55:c. 0 ccinconconinacasascvascaune s 77 Fleet Bank of Maine TUN IME, 5.5505 cocc nck cece scone 199, bs 954 Ireland Bank ee i RE RE eee 964 Isabella Bank and Trust NN Te AIEEE OETA N2T 83 Manufacturers and Traders Trust Company Texas Commerce Bancshares Manufacturers Hanover Trust Company Texas Commerce Equity Holdings, Inc. .................. Montana Bank of Billings IID, SO oo siie'ein <nnnsoccaidsn satinticenses 355 Ohio Bank TFBC Acquisition Corporation 280 Old Kent Bank of Kalamazoo I anUeA As SA Seagal taaisecene 355 Peoples Bank Tamborine Bancaheres, Inc. .........:+.0.s00s0secccceseess 963 Plaza Bank of Miami isin ise suetcaccrnstnscnteapinenceien y Plaza Merger Company Towerbank Corporation Signet Bank/Maryland Trans Financial Bancorp State Bank of Croswell rer ee 1016 Tioga State Bank Tripoli Bancshares, Inc. Trust Company Bank TSB Bancorp, Inc. Trustco Bank New York U.S. Bancorp Union Bank/Streator USB. Boiding Comipatny, Ine... ... 200. ..00i0ccseecececs 355 United Jersey Bank Union Bank of Switzerland, Zurich, Switzerland 681 United New Mexico Bank at Albuquerque I I iain. oink ca tnscecsacerecessausee 356 Bank mergers, statement United Community Bancorp, Inc. ................2.65 355, 844 Bank of Credit and Commerce International, United Missouri Bancshares, Inc. .............. 78, 502, 1016 statements 569, 572, 791, 902, United Nebraska Financial Co. 78 918, 920, 924, 928 United New Mexico Financial Corporation Bank of England Univest Corporation of Pennsylvania Bank of New England Valley Banc Services Corporation Bankruptcy Act Valley Bancorporation Barnard, Doug, Jr., Congressman, in statement NNO NE 5 crcsss ne cs scoinwSnaaas nescunnse ee 620 Basle Accord Valley Fimenctal Services, Inc. .........:050.ccccsssceess 281 Beardsley, Bruce M., appointed Deputy Director, Valley National Bancorp 143 Information Resources Management VE MCRD: oasis cics nsas cassis sceaeesesenses 199 Benefits, government, electronic transfer of funds NS oiss icno rs« sinn gewe sei aend «sac eeuupptacoeee 617 Bentsen, Lloyd, Senator, in statement Volunteer Bancshares, Inc. Beutel, Allen E., Executive Director for Information Wachovia Corporation Resources Management, retirement Waterford Bancshares, Inc. Black, Robert P., statement on BCCI Wells Fargo and Company Board of Governors (See also Federal Reserve System) TIN sc up cicciicnecuchvnsiasnwavciaisiiednins'seueere 842 Consumer Advisory Council (See Consumer West Bend Bancorp Advisory Council) Western Bancorporation, Inc. Division of Federal Reserve Bank Operations, MES oiio 5. n.cinwiinnes sesi vincniosennie n es 843 announcement of name change Whitcorp Financial Company 191 Federal Open Market Committee (See Federal Open Market RE ENN AINE S665 0 ces secs vn ene vencenm 963 Committee) Wilmington Trust Corporation Fees (See Fees for Federal Reserve services to depository Wiregrass Bancorporation, Inc. institutions) Wisconsin Financial Bancorporation, Inc. Litigation (See Litigation) Worthington Bancorporation Members Young Americans Education Foundation Greenspan, Alan, recess appointment EINE, oe 6n.s'siMancn tescasc bevxs'aesosihweece d 844 List Bank holding companies List, 1913-91 ; Investments in community development, article 388 Mullins, David W., Jr., appointment as Vice Chairman .. 732 Bank Insurance Fund 242, 435, 449, 450, 554, 556, 557 Seger, Martha R., resignation 172, 250 Bank Merger Act Policy statement (See specific subject) Orders issued under Publications and releases (See Publications in 1991) Aliant National Corporation Regulations (See Regulations) American Trust and Savings Staff Bank of Lakeview Changes Bank of Shawsville Allison, Theodore E. Boatmen’s Bank of Vandalia Alvarez, Scott G. C & D Bank Company Beardsley, Bruce M. Central Banking Group, Inc. .................cceceeeeeeees 844 Beutel, Allen E. Central Fidelity Bank Cleaver, Joe M. Centura Bank Emerson, Marianne M. Index to Volume 77 A95 Pages Board of Governors — Continued Community Reinvestment Act— Continued Staff —Continued Performance evaluations of banks, new procedures Changes— Continued regarding access to MME RNMRED, isc ocs ssw ose accsidéccersavenenadee 734 Comprehensive Deposit Insurance Reform and Taxpayer I oto occeccccacccacidencawcasteees 733 Protection Act of 1991 (S.543), statement NN oo Soa ca cava lasidoacduan cateddeapart 949 Comprehensive Environmental Response, Compensation, and EM CIE i ac cc cecsncddevecccsssccconaacsedad 175 Liability Act of 1980 (CERCLA), statements , 651, 706 PI TOMEI, ooo ncisisevcdcerdvenssceavcccdoccens 663 Comptroller of the Currency, Office of .... 96, 311, 575, 585, 647 5 EEPea ee e Me me Pee 950 Congressional Budget Office 170 MIEN 5 oia.25 a Seiden cctadedsccccsasdacnesa 311 Consumer Advisory Council Robinson, David L. 97 PN IIE A oo os 0 Sb cnwnacusadbexecoccdadenaee 991 SRCIIIEIE UNINC. oo ccc css ecvedecsadesecasnsoeas 991 Members, new appointments Spillenkothen, Richard Nominations sought Stevens, Richard C. Consumer Federation of America Summers, Bruce J. Continental Illinois National Bank Taylor, William Corporate structuring activity, 1980-90, staff study Zemel, Robert J. Corrigan, E. Gerald Division of Reserve Bank Operations BCCI, statements and Payment Systems Government securities market, statements List Information Resources Management, reorganization .... Cranston-Gonzales National Affordable Housing Act Office of Staff Director for Federal Reserve Bank Credit Activities Financial instiwutions evaluation of credit cardholders Staff Studies (See Staff studies) Legislation, H.R.2440, statement Statements to the Congress (See Statements to the Congress) Statements on availability Thrift Institutions Advisory Council (See Thrift Institutions Credit and Commerce American Holdings, N.V. ......... 573, 920 Advisory Council) Credit Suisse, statement on banking and commerce Bowen, Brent L., statement Credit-Suisse First Boston, statement on banking Brady, Nicholas F., Treasury Secretary, in statement and commerce on commercial bank affiliations Crime Control Act of 1990 Braunstein, Sandra F., article Cross, Sam Y., foreign exchange reports Brotman, Daniel H., reports Brunner, Allan D., article Budget Reconciliation Act DELORS, Jacques, in article on European Monetary Union .. 769 Deposit Insurance and Regulatory Reform Act of 1991, statement C&S SOVRAN Corporation Depositor Protection Act of 1991, statement Application by NCNB to aquire, announcement Depository institutions (See specific types) Comment period extension, announcement Reserve requirements (See Reserve requirements and Campeau retailers, corporate restructuring, article 7 Regulations: D) CE, CRN INI odin occ incc es cccnnceccsiconadancdes 218, 859 Depository Institutions Deregulation Committee Capital, bank profitability article Depository Trust Company Carré, Hervé, article DiPrete, Edward, Governor Cash Management Improvement Act of 1990 Directors, Federal Reserve Banks and Branches, list Census Bureau Discount rate (See Interest rates) Chase Manhattan Bank, in article on payment system Dividends and retained earnings, bank profitability, article ... Citizens Trust Company Dixon, Alan J., in statement on banking reform Clearing and payment systems: The role Douglas Act of the central bank, article Douglas amendment, Bank Holding Company Act Clearing House Interbank Payment System Dreyer, Franklin D, statement Cleaver, Joe M., resignation Duca, John V., article Clifford, Clark M., Former Secretary of Defense, in statement Commerce, U.S. Department of EARNINGS and expenses (See Income and expenses) Bureau of Economic Analysis Economy (Monetary policy report to the Congress) Commerce, U.S. Department of 1990 Commercial banks Affiliations with both securities firms and commercial entities Farm lending, article Profitability and practices, article Errata, announcement Price developments Commodities Exchange Act Statement by Chairman Greenspan Commodity Futures Trading Commission 991 Common agricultural policy, European community Business Community Reinvestment Act External Bank holding company investments, article Bank mergers, statement Household Bank reform, statement Credit evaluations, statement Price developments Examinations, announcement Statement by Chairman Greenspan Home mortgage disclosure, article Electronic Funds Transfer Act, government benefits, article .. 203 A96__‘ Federal Reserve Bulletin 0 December 1991 Electronic Funds Transfer Association Federal Reserve Board (See Board of Governors) Electronic Payment File Transfer System Federal Reserve System (See also Board of Governors) Embersit, James A.., article Expenses and budget, statement Emerson, Marianne M., promoted to Assistant Director, Member banks, dividend payments, change Banking Statistics Systems Membership, admission of state banks Environmental Protection Agency Federal Trade Commission Equal Credit Opportunity Act, statement Fedwire, in article on payment system on creditworthiness Fees for Federal Reserve services to depository institutions Ernst and Young, in article on European Monetary Union .... Check clearing and collection European Monetary Cooperation Fund 770 Automated clearinghouses, new fees postponed European Monetary System Electonic access for automated clearinghouse services ... European Monetary Union, article Schedules for 1992 European System of Central Banks 564,7 Settlement of payments, article Exchange Stabilization Fund, U.S. Treasury. ... 18, 230, 532, 784 Tiered pricing structure, modifications Expenses and budget (See also Income and expenses), Priced services Federal Reserve System, statement Payments system, article Proposal to enhafice services Financial General Bankshares FAIN, Kenneth P., article Financial Industry Reform and Capital Enforcement Act, Fair Credit and Charge Card Disclosure Act Fair Credit Reporting Act, statement on creditworthiness Financial Institutions Reform, Recovery, and Enforcement Fair Lending Laws, home mortgage disclosure, article Act of 1989 Fair Trade in Financial Services Act of 1991, statement .. 443, 724 Banking reform, statement Families with Dependent Children 206 Federal Reserve System expenses and budget, statement ... Family Savings Accounts Orders issued under Family Support Administration, Department of Health American Bancshares of Arkansas, Inc. .................. 137 and Human Services American Interstate Bancorporation, Inc. ................ 276 Farm Credit Assistance Act of 1987 American National Corporation Farm Credit System PI PI 5.5 56s ain 8k eidis nn lead ebWOcces ve 276 Farmers Home Administration Anmer Corporation Farming (See Agriculture) Archer, Inc. Farnsworth, Clyde H., change in reporting responsibility .... Arvest Bank Group, Inc. Federal Advisory Committee, list BancSecurity Corporation Federal Deposit Insurance Act Bank America Corporation Federal Deposit Insurance Corporation Bank of North America Bancorp,I nc Bank lending impediments, announcement BankAmerica Corporation 73, 137, 195, 276, 762, 339 Bank profitability, article PUI ao ca as cers d viendo sigaaccabmageoanesecaae’ 73 Banking reform bills, statements BankWorcester Corporation CERCLA, statement RMN IN a oa ins 5 5c cevictw ea ccbathvenscesneeitsea s 137 Commercial bank profitability, article BB&T Financial Corporation Credit availability, statement Boatmen’s Bancshares, Inc. Madison National Bank, statement Brenton Banks, Inc. Monetary policy, statement Bright Financial Services, Inc. Too-big-to-fail doctrine, statement Business Bank of America, Inc. Federal Depository Institutions Regulatory Agency Carolina First Corporation Federal Depository Library System Ce PC os cise s cca sscessiswesndecesiesiness Federal Financial Institutions Examination Council Nagi vicvinncdencewscsecdesiantsoacne 617 Federal Financing Bank Citizens State Bankshares of Bald Knob, Inc. 73 Federal Home Loan Mortgage Corporation COMMING BOTCMRCS TIC. ones 50sec ccecsesesedesscess 353 Federal Housing Administration Community Grain Company Federal National Mortgage Association Continental Bancorporation, Inc. .................eeeeeees 73 Federal Open Market Committee Emprise Financial Corp.-Hutchinson Policy actions, record 32, 98, 256, 313, 589, 735, 800, 992 Farmers & Merchants Investment Company, Inc. ........ Federal Reserve Act FCB Corp. Orders issued under First Bancorp of Kansas Fifth Third Bank, Cincinnati, Ohio First Chicago Corporation Fifth Third Bank, Columbus, Ohio First Citizens BancShares, Inc. Morgan Guaranty International Finance Corporation .... Federal Reserve and Treasury foreign exchange operations First Commercial Corporation (See Foreign exchange operations) First Dodge City Bancshares, Inc. ..............sseeeeeees Federal Reserve Banks First Fidelity Bancorporation Atlanta First Interstate Bancorp Atlanta, Miami branch, BCCI statement PASM, a5 05 535'0 656.00 alesS inoeinananesaevesice 277 Boston, Rhode Island Share and Deposit Indemnity First Midwest Bancorp, Inc: ...... 0.6060 sicsssscndseessesaas 74 Corporation, statement First National Nebraska, Inc. 74 Chicago, credit availability statement First of America Bank Corporation : Dallas, credit availability statement I OID. a5 55 ccc cnc ccisnsncomebecosscepas 73 Directors, list Firstier Financial, Inc. Electronic access for ACH services, announcement Flagler Bank Corporation Income from operations, announcement Fourth Financial Corporation HNB Corporation Ida Grove Bancshares, Inc. Lafayette Bancorporation TeEPAN RNIN, 556.05 areca bcc Atle sb Snicie ive wareB e 277