Table Of Content

Index to Volume 82 GUIDE TO PAGE REFERENCES IN MONTHLY ISSUES Issue Text “A” Pages “A” pages Index to Index to tables 1-80 70 621-— 700 1- 76 115-198 1-86 76 701— 790 1- 78 199-284 1-78 68 791-— 882 1- 86 16 285-382 1-78 68 883-— 982 1- 76 383-482 1-86 76 983-1076 1-122 112 483-620 1-76 64 1077-1158 l- 87 64 The “A” pages consist of statistical tables and reference information. Statistical tables are indexed separately (see p. A64 of this issue). es ADJUSTABLE rate mortgages (ARMs) Bank holding companies—Continued " Allison, Theodore E., statement Section 20 subsidiaries 824, 1008, 1113 Amel, Dean F., article Bank Holding Companies and Change American Bankruptcy Institute in Bank Control (Reg. Y) 333, 907, 917, 942, 1113 Analysis of commercial bank exposure to interest Bank Holding Company Act Amendments of 1970, rate risk, article orders issued under , Annual Report to the Congress on Retail Fees and Capital One Financial Corporation Services of Depository Institutions Huntington Bancshares, Incorporated Annual Statistical Digest, 1994 National City Corporation Articles Bank Holding Company Act of 1956 Analysis of commercial bank exposure to interest Applications approved under rate risk ist United Bancorp Bank and nonbank competition for small business credit: ABC Bare Evidence from the 1987 and 1993 National Surveys ABN AM!\O Bank N.V., Amsterdam, of Smail Business Finances The Netherlands 187, 774, 1064, 1155 Credit risk, credit scoring, and the performance of home ABN AMRO Holding, N.V., Amsterdam, mortgages 5 The Netherlands : 187, 774, 1064, 1155 Derivatives disclosures by major U.S. banks, 1995 ABN AMRO North America, Inc. ............. 774, 1064, 1155 Distribution of credit risk among providers of mortgages ABS Investors, LLC ... to lower-income and minority homebuyers 1077-1102 Absarokee Bancorporation Fiscal position of the state and local government sector: Acadiana Bancshares, Inc. nacderdacccccaducdbinecekeabeteas Developments in the 1990s Adam Financial Corporation Location of U.S. currency: How much is abroad? ....... 883-903 Admiral Steel Corporation Mexican peso crisis Alabama National Bancorporation Monetary policy reports to the Congress Allegiant Bancorp, MED Sdddcsonahcacctveladedinenssisheadia 1063 Profits and balance sheet developments at U.S. Am-First UIGIIIIS 5.5c ccascsaaceddiccasecdacuucdaudds 602 commercial banks in 1995 483-505 Ameribanc, Inc. seeereceeeeeeeeeeeeserseeeesetenes 377, 977, 1060 Revision to industrial production and capacity utilization, Ameribank Corporation 1991-95 16— American Bancshares, Inc. Treasury and Federal Reserve foreign American Bank Shares, Inc. Vevidicdenbasdadttdtadekelies exchange operations 210-13, 506-9, American National Corporation 802-5, 1103-7 Amundson Family Limited Partnership Trends in the structure of federally insured Anita Bancorporation depository institutions, 1984-94 Appalachian Bancshares, Inc. .............22-+eeeeeeeeeeeee U.S. international transactions in 1995 Area Bancshares Corporation Avery, Robert B., article Arkansas Banking Company Arkansas National Bancshares, Inc. BANK and nonbank competiticen for small business credit: Arrow Financial Corporation Evidence from the 1987 and 1993 National Surveys Arrow Vermont Corporation of Smal! Business Finances, article ASB Corporation Bank for International Settlements Associated Banc-Corp. ............cseseeeeeeeeeees 377, 695, 772 Bank holding companies (See also Banking institutions Associated Banc-Shares, Inc. ..............ccccscccccsseece 695 and Commercial banks) Associated Illinois Banc-Corp. ..............0eseeeeeeeeeees Consumer lending trends Re I I ao ic nine cc cccnsaccasecscdedscencacss 869 Index of orders and actions taken by the Board CP ret CNN NG. oo occ cers ecedccccciscndccees 975 A78 Federal Reserve Bulletin 1] December 1996 Pages Bank Holding Company Act of 1956—Continued Bank Holding Company Act of 1956—Continued Applications approved under-—Continued Applications approved under—Continued BancFirst Ohio Corp. C hambers Bancshares, Inc. ............csceeceeeeeseeeeeees 1151 EORRGED GE TMMCOMMNE, ENG. «oes 665s Sonnac bande seseiecuss Chaparral Bancshares, Inc. ..............20ceeeeeeeeeeeeeees 184 BancPlus Corporation Chaparral Delaware Bancshares, Inc. ................20000+ Bancshares of Nichois Hills, Inc. Chester Bancorp, Inc. REIN oo. Sra cies 508s ccinw sneer ataaoniabe Cuasanre Citi-Bancshares, Inc. BancWest Corporation Citizens Bancshares, Inc. .............c.cceeeeeeeeeeeseeenes Bank America Corporation Citizens Bank Group, Inc. : Bank Corporation of Georgia Citizens Community Bancorp, Inc. ................eeeeeees Bank of Nova Scotia, Toronto, Ontario, Canada Citizens Corporation Bank of Waunakee Employee Stock Ownership Plan .... Citizens Development Company Bankers Trust New York Corporation Citizens Financial Group, Inc. ................0ese00s 1152, 1154 BANKFIRST Corporation, Inc. .............0seeeeeeeeeeees 110 City State Bancshares, Inc. 60: ee reerrere ek 279, 281 City State Bancshares, Inc.—-Delaware BankWest Nevada Corporation CJSB Bancorporation, Inc. .............cceseeeeseeeeeeeeees BanPonce Corporation CNB Bancshares, Inc. ............csecceeeeeeeeees 112, 187, 280 BanPonce Financial Corp. Collective Bancorp, Inc. 1064 Banque National de Paris, Paris, France Colonial Banc Corp. ED APN RENCE GE. nehons oassnneraeabiameneuaencs 112, 774 Colonial BancGroup, Inc. .............cceeeseeeeeeeeeeeeees Bastrop Holdings, inc. 60 Colony Bankcorp, Inc. ............ccccceeeeeeeeeeeeeeeeeees 1151 Baxter Bancshares, Inc. Columbia Bancorp Bayerische Vereinsbank AG, Munich, Germany ComBankshares, Inc. Beach First National Bancshares, Inc. Commerce Bancshares, Inc. .............:sceeeeeeeeeeeeeeee 1151 ce eeeree eme rer crt Commercial Capital Corporation Berkshire Bancorp 110 Commercial Guaranty Bancshares, Inc. Beulah Bancorporation, Inc. ...............0ceeeeeeeeeee 280, 464 Commerzbank Aktiengesellschaft, Frankfurt am Main, Big Bend Bancshares Corporation Germany BNCCORP, Inc. Community Bancshares of Mississippi, Inc. ........... 185, 280 Boatmen’s Bancshares, Inc. Community Bancshares of Mississippi, Inc., Employee BOK Financial Corporation Stock Ownership Plan Boscobel Bancorp, Inc. Community Bancshares, Inc. ...............00ceeeeeeeeeeees 775 Bourbon Bancshares, Inc. Community Bank Shares of Indiana, Inc. ............ 112, 1151 ERIS TOI NINCS s 5.555o on u'sis hae haps cuso sinn encennass Community Bank System, Inc. Bradley County Financial Services, Inc. Community Bankshares, Incorporated Brazos Bancshares, Inc. Community Central Bank Corporation Bremer Financial Corporation Community Financial Group, Inc. ..............0.seeeeeees Bren-Mar PRES I. oc. cies acne seemnsereorowssacste Community First Bancorp, Inc. .................00000. 185, 1154 Community First Bankshares, Inc. ........ 112, 606, 696, 1151 Bridgeport Bancshares, MING: vhs acuwespanenmincspwesbieteess Community Holdings Corporation 976 Bridgeport Financial Corporation Community Trust Financial Services Corporation DEOCR WORE IOP, TOPE i. siesice se ncn esa sccessetasacersnoes Compass Bancorporation of Texas, Inc. .................65 Brunsville Bancorporation, Inc. .............sceeeeeeeseeees 1153 Compass Bancshares, Inc. ..............ceseeeeeeeeeeeeeeees BT Financial Corporation Compass Banks of Texas, Inc. ..............0:ceeeeeeeeeen s Bullsboro Bancshares, Inc. Connecticut Bankshares, MHC SE ING Ae eo Atk pk ones ccsauahecamahedcadnenaeec a Coronado, Inc. Caddo Financial Corporation Crestar Financial Corporation Caisse Nationale de Credit Agricole, Paris, France Crestmark Bancorp, Inc. 026... .cccccceccsecccesccsscnres 1060 Caldwell Holding Company Crosstown Holding Company Canadian Imperial Bank of Commerce, CU Bancorp Toronto, Ontario, Canada Cullen/Frost Bankers, Inc. .............0sceeeeeeeeeeeees 185, 280 Canton Financial Corporation D&D Bancshares, Inc. 775 Comite City PONE ROD ENC. aa cs. occa es ccknccoaeuasangs Dadeland Bancshares, Inc. Capital Corp of the West Dakotah Bankshares, Inc. Capitol Bancorp, Limited Dartmouth Capital Group, Inc. ...............ce.c.ee ee e 463, 865 Capitol Bankshares, Inc. Dartmouth Capital Group, L.P. ...............ce.nea eee e 463, 865 Cardinal Bankshares Corporation Es PAI CORD ooo ioo n iiss sen dicc sens nocvecnnnscsioes 1151 Carnegie Bancorp EPOCMOE FUMAMCIMIIIG,. Forocsc cs coca ses cccdevsecdcesastcesoe 1063 Carolina First Corporation Delavan Bancshares, Inc. 772 Carroll County Bancorporation, Inc. ................00eeees Delaware International Bancshares, Inc. ................... 1151 CMC NY TRICOEO TIC. as 5 oisc ess sinst osinates tensa ee « Dentel Bancorporation Castle Creek Capital Partners Fund-I, L.P. ................ 1060 Deutsche Bank AG, Frankfurt (Main), Federal Republic eee AO em Capitals TL oso. ain evans. cones ssscecanees 1060 of Germany Catherine Stuart Schmoker Family Partnership 604 DFC Acquisition Corporation Two EIN. sSats7\s.civss.acd v'oothe ipacemapieeceaanie noenesee ne 1060 Dickinson Financial Corporation CBR Holdings, Inc. Doniphan Bancshares, Inc. ...............eccceeeeeeeeeeenes CCB Services, Inc. Dublin Bancshares, Inc. ..............cceeseeeeeeeeeeeeeeees 1151 PIR EIOMINGR DRG... o5)250.0.05cicseeas sticctcev saos sua s 1063 Duke Financial Group, Inc. ................cceeeeeeeeeee e e Center Bancorp, Inc. Duncanville Bancshares, Inc. Central and Southern Holding Company Durden Bankshares, Inc. Central Bancorporation of Delaware, Inc. ................. East Texas (Delaware) Holdings, Ltd. ..................00. Central Bancomporation, Inc. ..............scsesccecscsscees East Texas Bancorp, Ine. .......6....6..cccccceccscccesasccs Central Coast Bancorp East Texas Delaware Financial Corporation Central Financial Corporation East Texas Financial Corporation Central Wisconsin Bancorporation, Inc. .................45 East Texas National, Inc. ..................cscccsccscceeoees Centura Banks, Inc. ................+ 280, 865, 977, 1060, 1153 East Texas—Dover, Inc. I EMRER TDG. «.. .. oc osccsvawasnecesnsdinseseee 978 PME. 0c Sia oanelkietins piias¥apaeoescccicvdeuseaisse e 1151 Ra UNEN MONI, TING soc coisa sbialais le cicdelsics siewi etle see Eggemeyer Advisory Corp. .............sscceeeeeeeeeeeees 1060 CFX Corporation Empire Bancshares, Incorporated Index to Volume 82. A79 Pages Pages Bank Holding Company Act of 1956—Continued Bank Holding Company Act of 1956—Continued Applications approved under—Continued Applications approved under—Continued DAV ASIE RIMMING TINGS os 0 5 o'tacigns tase dda cdccuseessaciees FirstBank Holding Company of Colorado Employee PCE OMENS, 505 5 ds score cadens cen ptss ccocanasne enc COPY FORD oo... sects rcicsiwedassescens 378, 976 PRRDCIRN G CAMEO ONOR, THR ois dosnt es cc cncesessccccacnevens FRA NIN I a6 6d 50 0 ctasycacvedodsanasescecude 185, 187 F&M Bancorp FirstMerit Corporation F&M Bancorporation FirstValue Corporation F&M National Corporation PREP RI SNES visn nd nctivndecsacncgancaccedebnccdends RET IUD SIO. oo cscs ncn ps deaths ye bcacarackscawes FNB Corporation Farmers & Merchants Financial Services, Inc. ............ FNB Financial Corporation Farmers and Merchants Investment Co. ...............2045 PEC O MN BNE i's ctuadccedctadegsdesduvendpalietes peraeeet ION TRC Loa asics cn cc caenie ke soabdenacsceans FUME MRM, DI ian sa Sit a5. eae a decscemedeis u Farmers Capital Bank Corporation Forstrom Bancorporation, Inc. ..............ceeseeeeeeeeees Farmers State Bancshares, Inc. .............0ccccscceceoese Fort Brooke Bancorporation FBOP Corporation 868, 1153 Fort Wayne National Corporation FBT Bancorp 603 Franklin National Bankshares, Inc. PORTE RNC. 0 ckc.5 <cicie nek co ndindoyceenetaeestasaenntas 185 Freeman Bancstock Investments PN ais Scnlaeale's tridandagewcasemacabadasddsndaang 185, 868 DN Meio 5 0.des aan asnididaccascoxesaens . Po oo ves varies acts saacccadestssadaceaevacgsacdéate 606 Friendship Bancorp Fidelity Company Frontier Financial Corporation Fifth Third Bancorp ee SINS i 5 sic cnacvascdcgbasonsaeccccdemediagh PrN DN 25s.a ns scniedacws stcadieenacse<csesasdea e Fulton Financial Corporation BG MEO, INES wicca aisd iwnwnecdocnssanasncasacdoens aed. Se ee er pepe ie yso meiicy Bee es Pee MN TRE os ios eacccancstissctecastenins 869 CONCERTOS UG a oisainiss seinv en dccccaaccceccccseses Pet. Almance Waneotny IG... «050s esse loses sl devasienes 1063 George Mason Bankshares, Inc. ..................2006: 604, 607 First American Bank Corporation 1060 Goodenow Bancorporation PUNO REINO ES 0's doa cnaasasosncnsducesadecwsienses 282, 377 Governor and Company of the Bank of Ireland, Pisses OF MEE CO, oan. cs cca evengenndqctsvecctieccc Dublin, Ireland 1152, 1154 First Banking Company of Southeast Georgia Garten Prciaion Went, Wetec insc cicncinccicccdqcs 775 DOG IN DUIS sone ccd carn ccssanpadeedassdexcanaccssscnene Geandview Bamidiemes, Tie. 2.25. ...5.-.60.2.ccseccsscaccces: First Bankshares of West Point, Inc. Crtereliie TRACARGIOR, TG. ik 5 555 eis sk See Seu asee First Capital Bankshares, Inc. .............0:ceeeeeeeeeeeees Great Falls Bancorp First Celina Corporation Greater Community Bancorp Greene County Bancshares, Inc. ....... écutchduusscad tote First Charter Corporation CORI TORRE, TRG Sa aos 5s icc cceccasdneecsasess First Chicago NBD Corporation COE I RG BO din5 aia cians hac atincuntcddgiadatetas First Citizens Bancorp PERE RNOIN MING ta saris cncscapscsievascednedpaat First Commerce Bancshares, Inc. ..............0eeeeeeeeees Harbor Springs Financial Services, Inc. ................... First Commerce Banks of Florida, Inc. ..............+..++- Harris Financial, MHC First Commerce Banshares, Inc. ..............00eeeeeeeeees BNI Se cota gin facie coddcncicidacdaknaetbertde 1151 First Commerce Corporation SUC I II 6.5c n ia i nan scntbisinvgdedTeeidineee 698 First Commercial Corporation HRCaRG TRUCOS, TR 5 aia.sis 5 ois ads caSre acinndaweencctans First Community Bank Holding Corporation Henderson Citizens Bancshares of Delaware, Inc. Fisst EiScattt TIGMCORMNOR IRE... css. ccasdiscanescscdnes Henderson Citizens Bancshares, Inc. ...............2..2055 1061 Pinst: Ptenity Bemcrts TNG ooo dicc ans ond ccentancegassceus Heritage Bancshares Group, Inc. ..............00cceeeeeeee First Financial Bancorp Heritage Financial Corporation First Financial Bankshares of Delaware, Inc. ............. Heritage Financial Services, Inc. ...............cceseeeeees First Financial Bankshares, Inc. ............0.2eeeeeeees 110, 185 Hibernia Corporation First Financial Company of Saint Jo Higgins Bancorporation, Inc. ..............0eeceeeeeeeeeees First Financial Corporation RRR III SENS Sidon cccsescecdaatescqunsuanasia First Frederick Financial Corporation Hills Bancorporation First Hardee Holding Corporation Humetuook Bancshares, Inc. ..............ccccssseessssueaes PRR RENAMING iiss s dgcu ee caltbauaze cn sinsa icntdudotaeckes Hinsbrook Bank and Trust First International Bancshares, Inc. HNB Corporation First Interstate BancSystem of Montana, Inc. ........ 976, 1063 Holcomb Bancorp, Inc. Employee Stock First La Grange Bancshares, Inc. ..............ceeeeeeeeees 865 Ownership Plan Bess EAN WON BIOs. 65055 san oe nana chase cepasendsasnee 379, 380 Home Financial Bancorp First Manistique Corporation Hometown Financial Group, Inc. ...............--0-20+0+++ 1152 First Merchants Corporation Horizon Bancorp Employee Stock Ownership Plan 773 First Michigan Bank Corporation RR NI Be 0 osc oceaccccnnccdnenctocusaasss<odses 771 rivet Weitere Met NG ios saino n die Secacaesuns eecseen s 1064 HSBC Holdings BV, Amsterdam, The Netherlands First National Bancorp, Inc. -2 .2. .....0.0.<ccseccsccaccvcces 976 HSBC Holdings pic, London, England First National Bancshares, Inc. ...............ceeeeeeeeeees OD civiscsxss heea cnacpnacaisidenalndeinacvsess oes 773, 866 First National Corporation Rae SNA GIO ss 5 5 dn ees scree cecdideiccciccontveds 1063 First National Monahans Bancshares, Inc. ................ WOR Cree CN BI oan in cece ccs ccescccc ese cccaee 1061 First National of Colorado Imperial Bancorp First National of Nebraska, Inc. ...............ceeeeeees 109, 771 Independence Community Bank Corp. ..............-..-+- 112 First National Security Company 110, 185 Independent Bancshares, Inc. ...........-.200seeeeeeees 773, 976 First Savings Bank of Washington Bancorp, Inc. ......... 865 Independent Bank Corporation First Sleepy Eye Bancorporation, Inc. .............2...0+++ 282 Independent Bankshares Corporation First Southern Bancshares, Inc. .............seeeeeeeeeeeees Inter-Mountain Bancorp, Inc. ...............2cecceccceeeees First State Bank of Rushmore KSOP Plan and Trust International Bancorporation a eSeT Cee errr re InterWest Bancorp First United Bancorporation DR CIN Spa seeds cinc isesscaccnsscccgacdeces 976 Fisst, Cinited: Bancaheres, ING: 6. ccaceccccciscaseccsscenace Investors Bancorp, NH 976 First Valley Bank Group, Ine... ...25:.c.300ceccccccccccenses WOO I POM ass ainoc cisccliis Sas denne snes duaes 976 First Valley Delaware Financial Corporation Re I onesie dites ins deeasdecedsscccnsssacte 281 First: Wester Bamconn, Tite 5.2 .55 i 0c asecss. cacieccsscecces J. P. Morgan & Co. Incorporated 868 FirstBank Holding Company of Colorado 378, 976 JAM Family Partnership I, L.P. ..............:eeeeeeeeeeees 1152 A80___‘ Federal Reserve Bulletin 1 December 1996 Pages Bank Holding Company Act of 1956—Continued Bank Holding Company Act of 1956—Continued Applications approved under—Continued Applications approved under—Continued [AM Family Partnership II, L.P. .............2eeeeeeeeeeees 1151 National Bancshares Corporation of Texas James River Bankshares, Inc. .............ceseeeeeeeeeeees 378 National Bank of Canada, Montreal, Quebec, Canada .... James Stuart, Jr. Family Partnership National Bankshares, Inc. .............sceeeeeeeeeeeecoeeees JS Investments, Limited Partnership National City Bancshares, Inc. ................seseeeeeeeees JWL-GSW, Ltd. National City Corporation I os oo onsc ack ase denne Seu cevasnapneensntbesceueys National City Mortgage Company Key Capital Corporation, Inc. ..............sceseeeeeeeeeees 1061 National Commerce Bancorporation Key Florida Bancorp, Inc. 773 National Westminster Bank Plc., London, — KeyCorp NationsBank Corporation 185, 697, 868 Keystone Financial, Inc. NationsBank Texas Bancorporation 185 Kingsbury BDC Financial Services, Inc. ...............++. NationsCredit Consumer Corporation Lake Benton Bancorporation, Inc. .............00eeeeeeeees NB Holdings Corporation Lakes Region Bancorp, Inc. ............::seeeeeeeeeeeeeeee 1061 NBarS, Limited Partnership Landmark Financial Group, Inc. ..............ceeeeeeeeeees PUES PMMCOR NOB TNC. oasis sc ceccovesvccccsneccsssicseoes Landrum Company NBN Corp. LanMark Bancshares of Texas, Inc. NBT of Delaware, Inc. ...........sccccccscssccccscccccceees 1061 Lawton Partners Holding Company NEB Corporati LeMars Bancorporation, Inc. ............scceseeeeeeeeeeeees Nebraska Bankshares, Inc. Lewis Family Partners, L.P. ..............cccsccescecscseees 1061 NEMO Bancshares, Inc. Lewis Management Company Nevada Community Bancshares, Inc. ...................005 LGF Bancshares, Inc. Neville Leasing, Inc. ............cccccsccsccccccccvccessaces 187 Libertyville Bancorp, Inc. ............c.cseeeeeeeeeeeeeeeees New Galveston Company 5 Lindoe, Inc. Newnan Holdings, Inc. ...............0seeeeeeeees 773, 775, 868 Rapieey Boncaheres, Tic. «uw... ic. cccesicecscccwesvctecsee Nolte Family Limited Partnership 2 RED CITI i onc ovens cinatcopcdencnsccchcuaswees Norbanc Group, Inc. Lockney Holding Company Norcon Financial Corp. .............scceseeseesceeseeeeeees Lonoke Bancshares, Inc. Norma McLane-Smith Family Limited Partnership M.B. and I.M. Hampton Family Partnership, Ltd. ........ North Shore Community Bancorp, Inc Machey BanCo, Inc. Northern California Bancorp, Inc. ..................0eeeees 186 Macon Bank & Trust Northern Trust Corporation Maddox Corporation Norwest Corporation 111, 186, 378, 463, ame Bere, EAD. ws oie cic se cesvencescccemocserns 1153 698, 775, 868, 977, NS ee Oe ery ten, ree 378 978, 1062, 1153, 1154 Magnolia Midlands Bankshares, Inc. .................++++ 866 Norwest Financial Services, Inc. .......... 698, 775, 978, 1154 Magnolia Partnership Investments, Ltd. .................++ Norwest Financial, Inc. ................ Rivgdacsccs 698, 978, 1154 Mahaska Investment Company Norwood Financial Corp. 2 Main Street Bancorp, Inc. ..............eeeeeeeeeeeeeeeeeees Notice of Progressive Growth Corp. MainStreet BankGroup, Incorporated Oak Park River Forest Bankshares, Inc. ................... 1062 Marine Bancorp, Inc. ................cscccacecsecaccccseceee Ohio Valley Banc Corp. Mark Twain Acquisition Corp., II Old Kent Financial Corporation Mark Twain Bancshares, Inc. Old National Bancorp Whar PIONS, TAG. oo. siic sc cwescccccccescccssscceene Omega City Hulding Company Marshall & Ilsley Corporation Omni Bancshares, Inc. .............cceeceeeeeeeeeeeeeeeeees 1062 Mason Holding Corporation ONB Financial Services, Inc. ...............cceeeeeeeeeeees 977 Matewan Bancshares, Inc. 46 Otto Bremer Foundation 463, 869, me AER: fiioinaes ss Sennen on cocdenss cnsdieansetabene s 1152 Ouachita Bancshares Corp. 977 Medina Community Bancshares of Delaware, Inc. ....... 605 Outsource Capital Group, Inc. ................eeeeeeees 773, 775 Medina Community Bancshares, Inc. ...............06.005+ 605 Outsource Delaware Capital Group, Inc. .............. 773, 775 Mercantile Bancorp, Inc. ..............0seeeeeeeseeeees 866, 1061 PG Ee, PMN EG os coca snc usec ndenne ts -sceuclecsecsecde 697 Mercantile Bancorporation, Inc. ............ 110, 111, 378, 464, PAOSC ABONCY, INC. 6.05 oc. ccc ics ccsee sc cssieccsccasceset e 977, 1061, 1063 Palm Beach National Holding Company Meriwether Bank Shares, ‘Inc. 866 Palos Bancshares, Inc. ..............cscceeseeeseeeeeeeeeeees Merrill Bancorporation, Inc. Palos Bank and Trust Company Mesaba Bancshares, Inc. Pan American Bancshares, Inc. ..............2eseeeeeeeeees Mesquite Financial Corporation Paris Bancshares, Inc. Metropolitan Bancshares, Inc. Parkers Prairie Bancshares, Inc. Mid Am Recovery Services, Inc. ...............seceeeeeees 1153 Passumpsie Bancorp MII Saisc es wiciacin citen eeaeasnncstdneevsiec un 606, 698, 1153 PCB Bancorp, Inc. Mid State Banks, Inc. Pembina County Bankshares, Ltd. ..................e0eeees Mid-Peninsula Bancorp Pembroke Bancshares, Inc. Middle Georgia Bankshares, Inc. ..............:ceceeeeeees Peoples Bancorp, Inc. ............ccesceeceeeeeeeeseeceeeees Middlefork Financial Group, Inc. ...............0cseeeeeees 378 Peoples Bancshares, Inc. ............cessceeeeeeeeeeeseeeees EUNSOUE DOMOORDS EAC. oi... cece ccc vonsiincecevcesasscsees 868 Peoples Heritage Financial Group, Inc. .................6+ 1154 Midstates Bancshares, Inc. Peoples Holding Corporation Milton Bancshares, Inc. Peoples National Bancshares, Inc. ................eeeeeeees Minor Financial, L.L.C. Peterka Family Partnership Monahans Delaware Financial Corporation Pilot Bancshares, Inc. Monarch Bancorp Pinellas Bancshares Corporation Monocacy Bancshares, Inc. ...0.......c.ccesssccsvesvcseces Pinnacle Banc Group, Inc. ................ceeeeeeeeeeeeeees 1064 Montgomery Bancorporation, Inc. ..............sceeeeeeeee Pioneer Bancshares, Inc. Montgomery Bancshares, Inc. Pioneer Bancshares, Inc., Employee Stock Monticello Bancshares, Inc. ...............cecseeseeeeeeeees Ownership Plan Mountain Bancshares, Inc. ..............0cseeeeeseeeeeeeees 1063 Pioneer Bank Mountain Bank Systems, Inc. ...............seeeeeeeeeeeees Pittsburgh Home Financial Corp. ..............0.seeeeeeees Mountain West Financial Corp. ...............cceseeeeeeees Plains Capital Corporation PIPED BIO an oiibiicn's i cciawscchacessndssseses 111 Plano Bancshares of Delaware, Inc. ...............2see0ees National Bancorp of Alaska, Inc. ...............0.ceeeeeeee 1153 Plano Bancshares, Inc. Index to Volume 82. A81 Pages Bank Holding Company Act of 1956—Continued Bank Holding Company Act of 1956—Continued Applications approved under—Continued Applications approved under—Continued POS WANOY OOM MING. 5 in oc cncccccct wa sbi sddeadaesssescs SE OIDs aiaa coca cdantinsahadcatldsuenscuwddsertede 977 Platte Valley Bancshares, Inc. SOE CIR NO ssid ac axeecasdusncsuusvaeddess 1064 PRE GI ick dscaccaacxcucscnstiwadisdasaddadas 377, 465 St. Joseph Capital Corporation Popular International Bank, Inc. .............2.sceeeeeeeeee 1060 Star Banc Corporation Prairie Bancorp, Inc. Star Bancshares of Nevada, Inc. ...............0ccecceeeees 605 Prairieland Employees Stock Ownership Plan Star Bancshares, Inc. URN NIN IIICG 5 5 55a cccestd iden radohataddanesaccess Stam VORey EGG TR BRC a vas ode cccdiisecnccecsscscse 111 Premier Bancshares, Inc. State First Financial Corporation Premier Financial Bancorp, Inc. ..............2eeeeeeeeeees State National Bancshares of Delaware, Inc. .............. 774 Premier Financial Services, Inc. State National Bancshares, Inc. Premier Holdings—Nevada, Inc. ...............sceeeeeeeeees Stichting Administratiekantoor ABN AMRO Holding, Private Bancorporation, Inc. Amsterdam, The Netherlands 187, 774, 1064, 1155 Provesa, Inc. Stichting Prioriteit ABN AMRO Holding, Puget Sound Bancorp Amsterdam, The Netherlands Quad City Holding, Inc. Stockmens Financial Corporation Quanah Financial Corporation Storm Lake Security Bancorporation Quanah Financial Corporation Employee Stock Stuart Family Partnership Ownership Plan Summit Bancorp COE I CIS. «5 Sis cas Seg tee nS ciate cicascdeauedas Summit Financial Corporation Queensborough Company SIRI INN oan at adacnndemcsiawicerndcacsedbnas CTEM CMECOC IEC. iis ods ving ices icdcatiasdndtecessuse s Susquehanna Bancshares, Inc. .............2...ceccccsesees R. Banking Limited Partnership Sussex Bancorp NEE IG IE 5 as catis Sides vi tondi deeidilanacncdns SPUN PRINS 5 005.5 occ dcadavacsastuscacnusesadieaas Regency Savings Bank, F.S.B. .............2220eeceees 868, 1153 Speereta PIN CO oo sk.0 s ns ids seccnccknesoes 698, 869 Regions Financial 1062 Tampa Banking Company 606 Regions Financial Corporation Tattnall Bancshares, Inc. Regions Merger Subsidiary, Inc. ................:eeeseeeees Taylor Bancshares, Inc. Reliance Bancshares, Inc. "FR I GUI ING, 6 55s ends sdcdnadndenesencsenga 1155 MINE PUI NI ao catacanccnsccadacdeoseccsecacdee TB&C Bancshares, Inc. 698, 869 NE Creer err er oer eee ree "TR IN cance cnqnedincuchasidnsnsdectstcbeeas 186 Republic New York Corporation TR I Ie ond nce cn pee scsedsdasaasaidivancssdiceqas 1062 Richey Bemcarporation, Tec... a. 505 iicnnnc cca cececcteeees 1154 Texas Bancshares, Inc. 606 Ringsmuth Family Limited Partnership Texas Community Bancshares, Inc. .................... 379, 380 Rio Bancshares Corporation Texas Financial Bancorporation, Inc. ........... 111, 867, 1062 River Bancorp, Inc. Thera Holding Partners, Ltd. 867 Aies cepmmenten, TG ooo oocnnsk ocala dddycedsnsscsccse. Thomson Investment Company, Inc. RNYC Holdings Limited, Marina Bay, Gibraltar SU IOI Sosa cna cccsacnis ddcndssascsiewecsees e 281 Robertson Holding Company "ER PU RR Sins.c csctecddasaasadiadtediccteviedaveess 867 Rocky Mountain Bancorporation, Inc. ..............-+++++: Tokai Bank, Limited, Nagoya, Japan 978 Roosevelt Financial Group, Inc. ............2eeeeeeeeeeees 979 Tompkins County Trustco, Inc. ...............ceeeeeeeeeeee 186 Royal Bank of Scotland Group ple, Total Systemes Services, aes. «i casiescsecssccesccsccesasees 698 Edinburgh, Scotland 1152, 1154 FES 6.do nn cok sts fadac Giadaceidesielneanndtacees 380 Royal Bank of Scotland plc, Edinburgh, Scotland . 1152, 1154 U.S. Bancorp 695 iy NTIS. 0 oa cc cncudchuerscccosedeendas'ssoccacdtes Rp I I io osc esiaitac sida ds ceca ceadisadosaacs 112, 282 Saban S.A., Marina Bay, Gibraltar UMB Financial Corporation Sabine Bancshares, Inc. Umphrey II Family Limited Partnership SHRMIRE Fay RMU BING oa os oon acts ccccs ste dsaseacsacenees 1152 Unicorp Bancshares—Delaware, Inc. ................0200+ San Ampols Wemecig We. «0.56.0 ccce secs ccdgvdsncseevedtas 1062 Unicorp Bancshares—Texas, Inc. ..............2eeeeeeeeeees Santa Barbara Bancorp 869 CI ooo caesceet ascasseactbuscueadavseds es SC Acquisition Corp. Ce ccs crincdddeseieneestcnndacavsacess Scott Stuart Family Partnership Union Illinois Company Employee Stock SDN Bancorp, Inc. ....... Segwisdtawandeeeaweascianatas 463 Ownership Trust Security Banc Corporation ................scccccceecees 773, 978 Union Planters Corporation Security Bank Holding Company Union-Calhoun Investments, Ltd. Security Bank Holding Company Employee Stock OMNIS aide niece Ken ddaccanmniscagcaasseendansexe Ownership Plan United Bankshares, Inc. Security National Corporation United Community Bancorp, Inc. ...........-..2+-220+200e: Security Pacific Leasing United Community Bankshares, Inc. Sharon Bancshares, Inc. Valley Bancorp, Inc. Shorebank Corporation Valley Bancshares, Inc. SNBNY Holdings Limited, Marina Bay, Valley Community Bancorp, Inc. .................seeeeeees City of Gibraltar 111, 697 Valley Ridge Financial Corporation Societe Generale, Paris, France Wee nasi coins eisc idaicncevacceets 379, 1062 Sooner Southwest Bankshares, Inc. ............-.22ee0e0es 697 Van Diest Investment Company South Alabama Bancorporation, Inc. ...........-+-.+e+++++ 1062 VC 505.65 oid oa ese dsctedcakeasseed South Florida Banking Corporation Ve I Be oe i icra scan Sica sents cccastones South Plains Delaware Financial Corporation Wachovia Corporation South Plains Financial, Inc. Washington State Bancshares, Inc. Southeast Bancorp of Texas, Inc. ...............eeeeeeeeeee Waterhouse Investor Services, Inc. Southeast Texas Bancshares, Inc. ..............seeeeeeeeees Wells Fargo & Company Southern National Corporation We NO IONE INE oo sions icc ccc ccdeccciecasancis 379 SouthTrust Corporation WRI a oe reccg acca cedsasccngicdasdiaascessnes 869, 1062 SSOUNINUING GE PROMINENT oasis 3 dcn's crac nnensasdevecdceveds 1150 West Coast Bancorp Southwest Bancorporation of Delaware, Inc. .............. 695 West Pointe Banshares, Inc. Southwest Bancorporation, Inc. .............00eceeeeeeeeees 695 West Texas Bancshares, Inc. Southwest Financial Group of Iowa, Inc. 869 West Texas National Bancshares, Inc. .............-.+-.++: Southwest Missouri Bancshares, Inc. ............+..++e++: 1062 Westamerica Bancorporation A82 Federal Reserve Bulletin 11 December 1996 Pages Pages Bank Holding Company Act of 1956—Continued Bank Holding Company Act of 1956—Continued Applications approved under—Continued Orders issued under—Continued Western Acquisition Partners, L.P. ............0:eeeeeeeeees 1062 KeyCorp 358, 848, 946, = Westfield Mutual Holding Company 111 Keystone Financial, Inc. ..............sceeeseeeveeeeseeeeeees Westside Financial Corporation Mercantile Bancorporation, Inc. ...............0eeeeeeeeeeeee a6 Westwood Financial Corp. .............2seeeseeeeeeeeeeeees 605 Mille Lacs Bancorporation, Inc. .............sseceeseeeeees IOI, ssiceucc chemese pas sCassen ssc od, cence baa nndrans 281 Mitsubishi Bank, Limited, Tokyo, Japan Whitaker Bank Corporation of Kentucky National Bancshares Corporation of Texas White Pine Bancorp, Inc. ...............scecseeeceeeeeeees 605 National City Corporation Whitney Holding Corporation 109, 376, National Westminster Bank Plc, London, England IE INE ees ss ccins bpsebsicwrads svelunc ches ceeuaneeuenetale NationsBank Corporation Wilson Bancshares, Inc. ..............seceeeeeeeeeeeeeeeeees PUN II ios ccseisviaucscccccchocccventecsecseseeced WKS, Inc. NBD BaNCOtp, TAC. oon... 2... ccccccesccncdeasecsecceeeene 93-104 MET MMCMMMER TOC, oo .is cc cicsnccdceccs neccedabiaravacnes North Fork Bancorporation, Inc. ..............0eseeeeeeeees 338 FUE SE AIG, ices cbesitnnicccdges cabnchaceccssnecdice Norwest Corporation 156, 580, 667, 683 Zions Bancorporation DOVE MIMIC 60.05 0c edaccctccascsccessedeccvcssscsecceas 843 Orders issued under NVE Bancorp, MHC lst United Bancorp PNC Bank Corp. Area Bancshares Corporation Premier Acquisition Corporation Aspen Bancshares, Inc. Premier Bancorp, Inc. .............ssceeeeeeeeceeeeeeeeeees 75-78 Banamex USA Bancorp R&G Financial Corporation Banc One Corporation ; River Valley Bancorp Banco National de Mexico, S.A., Mexico City, Mexico .. 1047 Royal Bank of Canada, Montreal, Quebec, Canada Banco Santander, S.A., Madrid, Spain Royal Bank = Scotland Group plc, Edinburgh, Bank of Boston Corporation Scotlan Bank of New York Company, Inc. Royal Bank o Scotland plc, Edinburgh, Scotland Bank Southwest Corporation Shinhan Bank, Seoul, Korea Barretville Corporation Sumitomo Bank, Limited, Osaka, Japan Berens Corporation Swiss Bank Corporation, Basel Switzerland Berens Delaware, Inc. ............0sccccceccecccsccsevecsoes Texas Financial Bancorporation, Inc. .................0606+ Bessemer Group, Incorporated Toronto-Dominion Bank, Toronto, Canada BNCCORP,IN C. .S. rp Boatmen’s Bancshares UJB Financial Corp. ..............ccsccecceccssceeeeeees 343, 345 Butte Bank Shares, Inc. Union Planters Corporation 78-82, 745, 756, 959 Caisse Nationale de Credit Agricole, S.A., Paris, France . United Jersey Bank 343, 345 Cambridge Bancorp Valley View Bancshares, Inc. ..............scceeceeeeeeeees 1036 Cardinal Bancshares, Inc. Wachovia Corporation Chase Manhattan Corporation Wells Fargo & Company Chemical Bank Wilson Bank Holding Company Chemical Banking Corporation Woodforest Bancshares, Inc. ............0:ceceeeeeeeeeeeees Citizens Financial Group, Inc. ...............cceceeeeeeeees Bank Holding Company Supervision Manual, CU CGD. oie scone ccenconcucsnscabeensseysisceas 52 141, 729 Community Bancshares of Marysville, Inc. ............... Bank Merger Act Compagnie Financiere de Paribas, Paris, France Applications approved under CoreStates Financial Corp. ...........:.sseeeeeeeseeees 430, 848 ist United Bank Corporacion Bancaria de Espana, S.A., Madrid, Spain ... 350 Adams Bank & Trust Croghan Bancshares, Inc. .............sseceseeseseeeeeeeees 737 Deutsche Bank AG, Frankfurt, Germany Bank of Clarke County Dresdner Bank AG, Frankfurt, Germany Bank of Essex Emigrant Bancorp, Inc. Bank of Gainesville Farmers State Corporation Bank of Isle of Wight First American Corporation Bank of New York PR MN, MICs 65550,c c a ceincnwnncsdocbssecasamedessbesees Bank of Tazewell County Fe TE PM TRG, ois nce ss soap aeedetewdiansccene Bank of Waverly First Citizens BancShares, Inc. Barnett Bank of Polk County First Commerce Banks of Florida, Inc. .................65. Baylake Bank First Commerce Corporation Baylake Bank—-Kewaunee First Delaware Bancorp, Inc. Boulder Valley Bank & Trust First Hawaiian, Inc. Byron Center State Bank First Merchants Corporation . Central Trust Company First National of Nebraska, Inc. .................seseeeeeeees First Southern Bancorp, Inc. ..............csseseeeeeees 424, 854 Chippewa Valley Bank First State Bancshares of Blakely, Inc. ................006: 953 Citizens Bank of Talladega First Union Corporation 352, 353, 1123 Citizens Commercial and Savings Bank Firstar Corporation Community Bank of Mississippi Firstar Corporation of Iowa Compass Bank Firstar Corporation of Minnesota Crestar Bank DC Flathead Holding Company of Bigfork Crestar Bank MD Fleet Financial Group, Inc. ................eeeeeeeees 50-74, 558 Demotte State Bank Governor and Company of the Bank of Ireland, Elkridge Bank Dublin, Ireland Grupo Financiero Banamex Accival, S.A. de C.V., F&M Bank-—Hallmark Mexico City, Mexico Farmers Bank of Maryland Hibernia Corporation Farmers State Bank of Conrad HSBC Holdings BV, Amsterdam, The Netherlands HSBC Holdings pic, London, England Fifth Third Bank of Northern Kentucky, Inc. ............. Huntington Bancshares, Florida, Inc. .................2000+ First Banking Center-Burlington Huntington Bancshares, Incorporated 236, 680 First Community Bank of Mercer County, Inc. ........... Inter West Bancorp, INC. ..........sceccccceccscsvsccoscesces 944 First Community Bank, Inc. .................eceeeeeeeeeeee 1065 Index to Volume 82. A83 Bank Merger Act—Continued Board of Governors—Continued Applications approved under—Continued Members—Continued First Knoxville Bank Greenspan, Alan First Trust & Savings Bank Chairman Pro Tempore First Virginia Bank—Colonial Chairman, reappointment First Virginia Bank-Commonwealth Lists, 1913-96 First Virginia Bank-Shenandoa Valley Meyer, Laurence H., appointment as Member Firstar Bank Minocqua Rivlin, Alice M., Vice Chair and Member, appointment . Firstar Bank Wisconsin Policy actions Harris Trust and Savings Bank Publications (See Publications) Hawkeye Bank Regulations (See Regulations, Board of Governors) Staff changes Johnstown Bank and Trust Company EOI UE Me ics ceca ccsdivccancsdaccdadsadedddecsa s Homer, Laura M. Manufacturers and Traders Trust Company PNT gg odiaie seis ncccsnodsvarechogceccuscusuannGhant Marine Midland Bank SN, RIMINI Be. Sis< a 6xdiseredeasesdtecoacacatabesibese Mercantile Bank of Polk County Statements to the Congress (See Statements to thhee e edi Midland American Bank Thrift Institutions Advisory Council, new members Northern Trust Company Web site announcement CR seas asa diise nes ncaenxdnauiupanavensanesdunaees ‘ Bostic, Raphael W., article Pioneer Bank Both Borrower and Lender, videotape available Republic Bank Brunner, Allan D., article Republic Security Bank Business Security Dollar Bank Credit, statement Sisbee State Bank Sector, economic developments Southeastern Bank of Florida Small, credit sources, article Texas State Bank Tri-City Bank & Trust Company CALEM, Paul S., article Tri-County Bank Call Report data Triangle Bank Canner, Glenn B.., articles ValliWide Bank Capital Account transactions WesBanco Bank Wheeling Federal Reserve Banks, financial statements Westamerica Bank Stock and surplus, definition of Yellowstone Bank Capital Accord to Incorporate Market Risks Orders issued under Census of Governments Adams Bank & Trust Cetes (short-term Mexican government securities) Chase Manhattan Bank Chase Manhattan C Chemical Bank Bay Area Check collection and funds availability Fifth Third Bank Check Fraud Survey Fifth Third Bank of Columbus Chemical Banking Corporation Morgan Guaranty Trust Company of New York Cities, U.S., fiscal positions Signet Bank Cole, Rebel A., article Wellington State Bank Collateralized mortgage obligations (CMOs) West One Bank, Idaho Commercial banks (See also Bank holding companies and Banking institutions) Bank mergers and industrywide structure, 1980-94, staff study Balance sheet developments summary Capital Bank of Canada Earnings tables Bank Secrecy Act, enhanced recordkeeping Income and expenses, tables Bank supervision Interest rate risk Banking institutions (See also Bank holding companies and Liabilities Commercial banks) Loans (See also Credit and Mortgages) Derivatives disclosures by major U.S. banks, Business 1995 article Household Investments in foreign companies Revenue and income Reporting suspicious activities Securities holdings Retail, small business, and household trends with Community Development Investment: A Guide for State Risk management, statement Member Benks and Bank Holding Companies, Trading and derivatives activities internationally, public publication disclosure report Condition statement, Federal Reserve Banks Banking system, U.S., supervision and regulation, statement .. Consumer Advisory Council Bankruptcy trends Meetings Basle Capital Accord Basle Committee on Banking Supervision Nominations sought Biern, Herbert A., prime bank financial instruments, Consumer Leasing Act Consumer lending trends 815-18, 1000-1005 Blinder, Alan S., resignation as Vice Chairman Coopers & Lybrand, accountants 780-89, 1112 Board of Governors (See also Federal Reserve System) Copper trading by Sumitomo Corporation 006 Consumer Advisory Council Corrections facilities, budgets Meetings Counterfeit money, detection of New members Counties, fiscal positions Nominations sought Credit Electronic Benefit Transfers, statement And money flows Federal Reserve operations, statement Index of orders and actions taken Litigation (See Litigation) Consumer lending trends Members Finances to small businesses Blinder, Alan S., resignation as Vice Chairman Financial developments A84 ‘Federal Reserve Bulletin 1] December 1996 Credit—Continued Federal Open Market Committee Reports, how to obtain 630 Action to decrease degree of pressure on bank reserve Risks to mortgage companies, articles 621-48, 1077-102 positions Credit by brokers and dealers (Reg. T) 521, 538, 1115 Meeting minutes Criminal justice system, costs 306 Sept. 26, 1995 Criminal or suspicious activity in the banking system Nov. 15, 1995 Currency Demand, cross country Estimation methods, biometric and seasonal Holdings of, Los Angeles Branch May 21, 1996 US., article and statement July 2, 1996 Currency and Monetary Instrument Reports (CMIRs) Aug. 20, 1996 Meetings, 1990 transcripts DAIWA Bank, supervision in the United States, Federal Reserve Act statements Capital stock and surplus, definition Depository institutions Orders issued under Federally insured, trends in Community Bank of Nevada Mergers and acquisition trends Iowa State Bank Reserve requirement decrease in net transaction accounts . 40, 49 Korea Long Term Credit Bank, Seoul, Korea Deposits, FDIC-insured or uninsured investment products .... 723 Federal Reserve and Treasury foreign exchange operations (See Derivatives Treasury and Federal Reserve foreign exchange operations) Earnings from Federal Reserve Banks Cash access policy Chairmen and deputy chairmen, appointed Derivatives disclosures by major U.S. banks, 1995, Directors, list article Fee schedules for 1996 DiGioia, Anthony V., Assistant Director, Division of Human Financial statements Resources Management, retirement Operating income Directors, Federal Reserve Banks and Branches, list San Francisco, Los Angeles Branch, audit Directory: Bank Holding Company Community Statement of condition Development Investments, publication Federal Reserve Board (See Board of Governors) Disclosure requirements adjustment Federal Reserve operations, statement Discount rate, reduction Federal Reserve Regulatory Service, diskettes available Distribution of credit risk among providers of mortgages to Federal Reserve Senior Loan Officer Survey lower-income and minority homebuyers, article 1077-102 Federal Reserve System (See also Board of Governors) Domestic open market operations, authorization Chairmen and deputy chairmen, appointments Duff & Phelps Credit Rating Company Federal Reserve Regulatory Service, diskettes available .... Payment services, review EARNINGS from derivatives Fedwire EBT programs Fees (for Federal Reserve services to depository Economy institutions) Outlook, FOMC Financial Action Task Force Prospects, statement Financial Crimes Enforcement Network, U.S. Department US., performance, monetary policy reports .............. 288, 701 of the Treasury Economics of the private equity market, staff study Financial statements, Federal Reserve Banks Education of the Handicapped Act Fiscal position of the state and local government sector: Education, budgets Developments in the 1990s, article Edwards, Gerald A.., Jr., article Fiscal positions Electronic Benefit Transfers, statement Cities Electronic Fund Transfer Act Counties Electronic fund transfers, statements Local governments Eller, Gregory E., article School districts End-user derivatives States Entrepreneurial Investment Act of 1996, statement Fisher, Peter R., Executive Vice President, Federal Reserve Equal credit opportunity (Reg. B) Bank of New York, articles 210, 506, 802, 1103 Equifax Beacon Foreign bank representative offices, rule Equifax Credit Information Services, Inc. Foreign currency directives Examination Manual for the US. Branches and Agencies Foreign currency operations, authorization of Foreign Banking Organizations, publication Foreign exchange Exchange rate articles 210-13, 506-9, Economic developments 802-5, 1103-7 Monetary developments Exchange Stabilization Fund 99, 221, 506, Operations (See Treasury and Federal Reserve foreign 509, 805, 1103, 1106 exchange operations) Export trade developments Foreign stocks, lists of marginable 222, 522, 825, 1114 Extensions of Credit by Federal Reserve Banks (Reg. A) Foreign transactions in 1995, article 383-93 External sector, economic developments Forward contracts Forward rate agreements Pie, Sees ad Company Tne. 5... 5 ooo issn dec iccnecedcmwnes 627 Freddie Mac Fannie Mae Futures contracts FDIC-insured deposits Federal Consumer Leasing Act Disclosures, GARWOOD, Griffith L., statement forms 1025, 1027, 1029 GE Capital Mortgage Insurance Corporation Federal Deposit Insurance Corporation Improvement Act Gerdano, Sam of 1991, actions taken under Ginnie Mae Fifth Third Bank of Northeastern Ohio Glass-Steagall Act, Section 20 Fifth Third Bank of Northern Kentucky, Inc. ................ Gold Measure Worksheet, credit scoring process Federal Home Loan Mortgage Corporation Government National Mortgage Association Federal Housing Administration (FHA) Government sector, economic developments Federal National Mortgage Association Government sponsored enterprises (GSEs) Index to Volume 82. A85 Greenspan, Chairman Alan International Organisation of Securities Commissions, Bank supervision and technological change, statement Technical Committee Chairman Pro Tempore, Board of Governors, Interstate banking operations, foreign organizations announcement Investment adviser activities Chairman, Board of Governors, reappointment Investment income, portfolio and direct Daiwa Bank, supervision in the United States, Investment Scheme Advisory, announcement statements It’s Your Money, educatioral teleseminar Economic prospects, statement Federal Reserve operations, statement JUDSON, Ruth A., article Monetary policy reports to the Congress, Statements KATZIVE, Daniel, articles Securities margin requirements, statement Kelley, Governor Edward W., Jr. Crime, effects on the banking system, statement HALL, Christine, article Deposits, insured and uninsured, statement Hamanaka, Yasuo Supervision and regulation, U.S. banking system, Home buying, videotape on process available statement Home Mortgage Disclosure Aci (Reg. C), Loan applications, Kline, Don E., Associate Director, Division of Banking treatment of Supervision and Regulation, retirement Home Ownership and Equity Protection Act of 1994 Home page, Board of Governors, announcement LABOR markets, economic developmenis Homer, Laura M., Assistant Director, Division of Banking Lending in Indian Country: Culture and Legal Issues, Supervision and Regulation, retirement instructional video Houpt, James V., article Lindsey, Governor Lawrence B. Household sector, economic developments Consumer lending trends, statement Humphrey—Hawkins reports (Monetary policy reports Electronic fund transfers, statement to the Congress) 285-301, 701-16 Litigation Final enforcement decisions issued by Board of Governors IGUCHI, Toshihide Cedar Vale Bank Holding Company, Inc. ................. 871 Import trade developments PREG SI iia ovo esngcersseasdunWecdsashedevénscnses 1067 Income statement, Federal Reserve Banks Interamericas Investments Ltd., Cayman Islands Income, investments, portfolio and direct Rushville National Bank Index, orders and actions taken by the Board Snyder, John K. on bank holding companies United Security Bancorporation Industrial production and capacity utilization Final enforcement orders issued by Board of Governors Releases 28-30, 130-32, 214-16, 312-14, Bangkok Metropolitan Bank, PCL, Bangkok, Thailand .. 394-96, 510-12, 649-51, 717-19, Banque Worms, S.A., Paris, France 806-8, 904-6, 996-98, 1108-11 Black, William B. Il Revision, 1991-95, article 16-25 Colon, Ricardo Instructional tools 140, 141, 657, 725, 1009 Costalas, Constantinos I. Interagency Bank Fraud Working Group, Daiwa Bank, Limited, Osaka, Japan Department of Justice RN I ag iG oa sin ain denies tscsidocendsaceweseecee Interagency Statement on the Retail Sales of Nondeposit Galietta, Michael Investment Products Hand, Patricia Interest rates Leonard, Keith E. Commercial bank risks Margolin, Albert L. Discount rate reduction Marteeny, Mark E. Economic developments Miller, Howard S. Risk management Missner, Gary S. International National Bank of Greece, Athens, Greece Banking operations FRI oasinn e'ss araeccnxceduesadebntewasugsassees 1158 Financial system i sino d send putidyaugdsagannateadaacsdducadtdae 882 Trading and derivatives activities, report on public Professional Bank disclosure Ronlov, Steen Transactions in 1995, article Swiss Bank Corporation, Basle, Switzerland U.S. currency abroad VRN DOOOIE TAs 5 ccntiwasesesacacscdsvadeuscaigegdeagad International Banking Act of 1978, orders issued under WNDU TRE a ciicines Achcadecéeckcsacessscathabadpaadauda 700 Banca de Roma S.p.A., Rome, Italy Index of orders and actions taken 107, 372, 692, 972 CBG Compagnie Bancaire Geneve, Geneva, Switzerland ... Pending cases, lists of, involving Cedel Bank, S.A., Luxembourg the Board of Governors 113, 189, 283, 380, China Construction Bank, Beijing, People’s Republic 466, 608, 699, 776, 870, 980, 1066, 1157 Commercial Bank “Ion Tiriac,” S.A., Bucharest, Romania . Termination of enforcement orders Credit Communal de Belgique S.A., Brussels, Belgium .... Bank Bumiputra Malaysia Berhard, Kuala Lumpur, Creditanstalt-Bankverein, Vienna, Austria Malaysia Instituto Bancario San Paolo di Torino, S.p.A., Bank of White Sulphur Springs Turin, Italy BankSouth Corporation Komercni Banka, a.s., Prague, Czech Republic Citizens Bank Korea Development Bank, Seoul, Korea Dyer F&M Bancshares National Bank of Canada, Montreal, Canada First Bancorp of Oklahoma, Inc. Promstroybank of Russia, Moscow, Russian Federation .... First Chattanooga Corporation Sumitomo Bank, Limited, Osaka, Japan Fe eee I NE 6. 5 ove cd cccersicccsccsasesesacenes 1158 Swiss Bank Corporation, Basle, Switzerland First Security Banshares, Inc. ...............ccccccccccccces 1158 Unibanco—Uniao de Bancos Brasileiros, S.A., III oats aso dagetcccicxsaoccanctdescaqsad 1158 Sao Paulo, Brazil Merchants Bancshares, inc. Union Bank of Switzerland, Zurich, Switzerland 7 Piedmont Trust Bank International banking operations 326, 333, 335, 656, 665, 824 Written agreements approved by Federal Reserve Banks International Monetary Fund 199 Bank of Corning Company International Operations of U.S. Banking Operations (Reg. m. Charter State Bank US. investments in foreign companies First Western Bank A86__ Federal Reserve Bulletin 1 December 1996 Litigation—Continued Phillips, Governor Susan M. Written agreements approved by Federal Reserve Entrepreneurial Investment Act of 1996, statement Banks—Continued Sumitomo Corporation, statement Keyesport Bancshares, Inc. ............0ccceeseeeeeeeeeeees Policy actions, discount rate Mercantile Gapital Coe. sis oi. oho ess cess secs ecsetns Porter, Richard D., article DESCEND SONCONININGS Sisivsccnncessnsdods~dptidb'acnuitoapesise Portfolio lenders Loan Guarantees for Defense Production (Reg. V) Prices, economic developments Local governments, fiscal positions Prime bank financial instruments Location of U.S. currency: How much is abroad?, article .. 883-903 Private mortgage insurers 1080, 1081, 1086, 1090, 1092-98, 1100 MEDICAID budget Profits and balance sheet developments at U.S. commercial Members, Board of Governors, lists banks in 1995, article 483-505 Membership of State Banking Institutions in the Proposed actions Federal Reserve System (Reg. H) Availability of funds Mexican peso crisis, article Capital stock and surplus, definition Mexican swap activity Check Fraud Survey Meyer, Laurence H., Member, Board of Governors, Consumer leasing appointment Electronic Fund Transfers MIPS, use for capital Equal Credit Opportunity Act Monetary aggregates Insider lending Monetary policy International Operations in U.S. Banking Organizations .... Business sector Management of offshore offices Credit and money flows Reserve requirements Economic projections Risk-based capital guidelines External sector Section 20 subsidiaries Financial developments Truth in lending Foreign exchange Truth in savings Government sector Publications (See also Videotapes) Annual Statistical Digest, 1994 Household sector Bank Holding Company Supervision Manual, Labor markets revision Price developments Community Development Investment: A Guide for State Reports to the Congress 285-301, 315-20, Member Banks and Bank Holding Companies 701-16, 811-15 Directory: Bank Holding Company Community Money laundering Development Investments Money stock data, revision ination M l for the US. Branches and Mortgage Guarantee Insurance Corporation (MGIC) Agencies of Foreign Banking Organizations Mortgage insurers, private 1080, 1086, 1090, Federal Reserve Regulatory Service, diskettes 1092-98, 1100 Trading Activities Manual Mortgage Score, The Mortgages RADDOCK, Richard D., article Applications, credit scoring Regulations (Board of Governors, See also Rules) Home, performance of, articles A, Extensions of Credit by Federal Reserve Banks Loans B, Equal Credit Opportunity Distribution, table, correction C, Home Mortgage Disclosure Evidence of performance D, Reserve Requirements of Depository Institutions . 40, 49, 728 Reverse E, Electronic Fund Transfers 406, 521, 525, 720 Risks to providers G, Securities Credit by Persons other than Banks, Theory of performance Brokers, or Dealers 521, 1115 Underwriting practices H, Membership of State Banking Institutions Mutual fund sales in the Federal Reserve System 333, 917, 936 Mutual Funds: Understand the Risks, K, International Operations of U.S. Banking educational program Organizations 140, 149, 220, 231, 326, 333, NATIONAL Association of Counties 335, 656, 665, 824 National Association of Securities Dealers (NASD) M, Consumer Leasing 140, 1008, 1019 National Conference of State Legislators O, Transactions with Affiliates National Education Association S, Reimbursement for Providing Financial Records; National income and product accounts (NIPA) Recordkeeping Requirements for Certain National League of Cities Financial Records National Mortgage Association T, Credit by Brokers and Dealers National Survey of Small Business Finances U, Credit by Banks for Purchasing or Carrying Nelson, William R., article Margin Stocks New York Cash Office V, Loan Guarantees for Defense Production Notes, $100 Y, Bank Holding Companies and Change in Bank Control Act 333, 907, 917, 942, 1113 OFF-BALANCE-SHEET instruments Z, Truth in lending 140, 326, 407, 657, 1009, 1031 Office of Thrift Supervision (OTS), risk model CC, Availability of Funds and Collection of Checks Oil imports, developments DD, Truth in Savings Operating income, Federal Reserve Banks Reid, Brian K., article Options contracts Reimbursement for Providing Financial Records; Recordkeeping Requirements for Certain Over-the-counter margin stocks Financial Records Lists of marginable Reports of Suspicious Activity, Bank Secrecy Act Proposed action Reserve requirements Retail Sales of Nondeposit Investment Products PASSMORE, Wayne, article Retail sweep programs Payment services to member banks, review Retail transaction deposits Pension programs, budget Reverse mortgages