Table Of Content

Index to Volume 8&7 GUIDE TO PAGE REFERENCES IN MONTHLY ISSUES Issue Text “A” Pages Issue x, “A” pages Index to Index to tables tables 64 431-500 64 78 August 501-566 78 64 September 567-632 - 80 64 October 633-718 7 66 76 November 719-756 8 72 64 December 757-792 88 64 Statistical tables are indexed separately (see p. A64 of this issue). AIR TRANSPORTATION STABILIZATION BOARD, Bank Holding Company Act of 1956—Continued designations Applications approved under—Continued Amer, Howard A., promoted to Deputy Associate Director, ABN AMRO Holding N.V., Amsterdam, Division of Banking Supervision and Regulation The Netherlands Annual Report, 87th, 2000 ABN AMRO North America Holding Company ......... . Annual Report: Budget Review, 2001 ABN AMRO North America, Inc. Anti-money-laundering programs, guidance ACME Holding Company, Inc. ...............cseeseeeeeeees 560 Articles Aer FUREY TONE GIGS oon ais esto nedescecsnaicccceaas 356 Economic performance of small banks, 1985-2000 PORT TIN asi cnc cid pabiaks wcasataaeicdennimaieraes 560 Financial services used by small businesses: Alabama National BanCorporation 38 Evidence from the 1998 Survey of Small PASTOR ICN TIC... ici nns ceteacasesanedenesanensus 788 GRINS: PUIG osc cccntaesswetomenscssicennesecss . 183-205 REE ID eos sins cuicdarccdaciesasisansaiwaneied 713 Industrial production and capacity utilization: Alliance Bancorp 2000 annual revision ‘ Alliance Bank Shares Corporation Monetary policy reports to the Congress ......... 103-31, 501-27 Alpha Financial Group, Inc. Employee Stock Opportunities and challenges of the U.S. dollar CIPI WI 5 isis csciccasisansesvedenyixeessnensans 280 as an increasingly global currency: Amana Bancshares, Inc. 93 A Federal Reserve perapective ............06.0scs0cee. 567-75 Ambanc Holding Company, Inc. ..............seeseeeeeeeees 478 Profits and balance sheet developments at U.S. Ameriana Bancorp commercial banks in 2000 ............sscccscecesscees 367-93 AmeriBank Holding Company Retail fees of depository institutions, 1994-99 American Bancorporation Supervision of large complex banking organizations ....... 47-57 American Bancorporation of Minnesota, Inc. Treasury and Federal Reserve foreign exchange American Community Financial, Inc. ................00ee0e: 713 operations 149-53, 394-99, 576-81, 757-62 American National Bank of Beaver Dam Employee U.S. flow of funds accounts and their uses Stock Ownership Trust USS. international transactions in 2000 ..................65. 283-94 American National Corporation U.S. system for measuring cross-border investment American State Bancshares, Inc. in securities: A primer with a discussion AmericaUnited Bancorp, Inc. ................0ceeeeeees 357, 478 eee 633-50 Ames National Corporation : er re 6, 217 Anchor BanCorp Wisconsin Inc. ............0..eseeeeeeeeeee 752 AnchorBank BAILEY, Deborah P., appointed to Assistant Director, Arison Holdings (1998) Ltd.. Tel Aviv, Israel Division of Banking Supervision and Regulation Arkansas State Bancshares, Inc. ............:seeeeeeeeeeeees 178 Bank affiliates, final rule Astra Financial Corporation Bank holding companies (See also Financial holding Banco Bradesco S.A., Osasco, Brazil companies) Banco Espirito Santo, S.A., Lisbon, Portugal Bank Holding Companies and Change in Bank Control INS CDs <vsva sawiieatacexscninedanunt cinswaseshecueeseeons 714 (Reg. Y) 64, 75, 169-77, 417-19 Bank Hapoalim B.M., Tel Aviv, Israel Bank Holding Company Act of 1956 Bank of America Corporation Applications approved under Bank of De Soto, N.A., Employee Stock 02-e Limited, Melbourne, Australia ....................0.00: 279 Ownership Trust Ist Choice Bancorp of Delaware, Inc. Bank of Montreal, Toronto, Ontario, Canada Ist Choice Bancorp, Inc. Bank of Mulberry Employee Stock Ownership Trust Ist Financial Bancshares, Inc. Bank of Tokyo-Mitsubishi, Ltd., Tokyo, Japan 2000 Williams Investment Company, LLC Dime Ce IW aos ns ives nantndaucsneecesneewenseunen 357 Fe I asicw tiihnrrncenbendareertss vaneahatenesenss Bankmont Financial e,ossoss ci vesssecssesessaveeconvens 629 ABN AMRO Bank N.V., Amsterdam, The Netherlands ... ARIE: SID: SRG. ise ciciccevaverscsinaceroceiesecoeress 754 A78 Federal Reserve Bulletin December 2001 Pages Bank Holding Company Act of 1956—Continued Bank Holding Company Act of 1956—Continued Applications approved under—Continued Applications approved under—Continued Bayerische Hypo-und Vereinsbank AG, Community Bancshares Company Munich, Germany Community Bank Holdings of Texas, Inc. .................. 426 BB&T Corporation ...................0005 39, 40, 426, 428, 788 Community Financial eS See 480 Bedwell Investments, Inc. Community First Bancshares, Inc. 179 Bespar Sociedade Gestora de Participacoes Sociais, S.A., RINOE HUMMIND BNE. ois n nas cceccencasanvererdcicnnsnes 92 REIN ci.c0s dcnescananstessesecbueesvascecneaen ae Cooper Lake Financial Corporation 93 NS 0 ceGiicnuisnvoeecacanssbikiunabnbanpsaoidees 478 Cornerstone Financial Services Group, Inc. Boiling Springs Bancorp CRMC TROUT, PR oon nnn ccc ccseccceueveccesees h 426 Boiling Springs, MHC .....................ceeeeeeeeereeeee : 426 CU SII NGS 5 socidnscoenscecsnccwessscstecmeseeeas 752 Border Capital Group of Delaware, Inc. .................... 426 Covenant Bancgroup, Inc. .............. Border Capital Group, Inc. ................ccseceeeeeeeeeeees 426 Cowboy State Bancorp, Inc. Boston Private Financial Holdings, Inc. CreditAmerica Holding Company .....................0.0008 ET MUU, IS osc cccdcccecsvesevsvenvésaccvoneoess 752 Crescent Financial Corporation ...............0.ceeceeeeeeee 5 BOTH, Inc. CyberBills, Inc. Bryan Family Management Trust Dacotah Banks, Inc. Bryan-Heritage Limited Partnership Dai-Ichi Kangyo Bank, Limited, Tokyo, Japan BSB Community Bancorporation, Inc. ...................... 356 SPN INES. os osscivsccessavenvcosnspeootesencteass No vacrarcccetsctnioussddenanvnoiducencneesee 752 I NINES cvescecatarcacerkivieuyaniccrssrutea 357 ie ID NGS cys rennaivdiaicacesciencsaciaiasistensiares 479 Dexia S.A., Brussels, Belgium Caisse National de Crédit Agricole, Paris, France ......... 562 Dickinson Holdings, Inc. Camden National Corporation Dickinson Holdings of Delaware Camden National Investment Services, Inc. Discount Bancorp, Inc. 630 I BN won ive cncicsicecsadastosvererescoesauste 93 DNB Bancshares, Inc. 789 INS Sei cowicccanccretcccrvientsbapnscwucweis 479 DNB Delaware Financial Corporation 789 Capital Bank Corporation ................0ceeeceeeeeeeeeees SOT Douglas County Bancshares, Inc. 714 Capital City Bank Group, Inc. Dresdner Bank Aktiengesellschaft, Frankfurt, Germany ... 96 Carlson Bancshares, Inc. E.S. Control Holding, S.A., Luxembourg ................... 562 Carolina Bank Holdings, Inc. E.S. International Holding, S.A.. Luxembourg ............. 562 Carolina Financial Corporation ...................se0eeeeeees 560 RU IN TI ov ccs accvnccnvacusecessecctssnosssseuss Cascade Financial Corporation .....................20000000e 629 East Side Bancorporation Castle Creek Capital Partners Fund 1, LP East Texas Financial Corporation Castle Creek Capital Partners Fund Ila Eggemeyer Advisory Corp. Castle Creek Capital Partners Fund IIb ENB Bankshares, Inc. Castle Creek Capital, LLC ENB Delaware Bankshares, Inc. Catawba Valley Bancshares, Inc. Equity One, Inc. IED wcntdgashiucstnivesivcescinssscinbwnnersvierl ae Espirito Financial (Portugal) Sociedade Gestora de Centennial Bank Holdings, Inc. ......................000000- 479 Participacoes Sociais, $.A., Lisbon, Portugal Centennial First Financial Services 714 Espirito Santo Financial Group, S.A., Luxembourg ........ 5 Centra Financial Holdings, Inc. ...........................-. 356 Eureka Springs Bancshares, Inc. Central Alabama Bancshares, Inc. .....................00005 713 Evergreen Bancorp Central Financial Corporation ee I oS ocvceeicaasy scinvacedaeid shy iav<sasusnemonth 426 Central National Bank F&M National Corporation . 180 Central Ohio Bancorp F.N.B. Corporation . 358, 753 Century Bancshares, Inc. Farmers Financial Corporation Charter Bancshares, Inc. Farmers State Corporation Charter Financial Corporation FBOP Corporation Charter IBHC, Inc. FU DO ND: 5 iss ccccvasscusnnncsssverececenen aay oh Charter One Financial, Inc. Financial Investors of the South, Inc. Chase Manhattan Corporation First Ainsworth Company .................2seceessceeeeseees 357 Chemical Financial Corporation First Bancorp Chesapeake Financial Shares, Inc. First Bancorp of Taylorville, Inc. Chester Valley Bancorp, Bac. «......005cccccccesccsesevcesess 7133 First BanCorp, San Juan, Puerto Rico ...................... : Chinatrust Commercial Bank Ltd., Taipei, Taiwan, First BancTrust Corporation ...............0.....22eeeeeeeees Republic of China First Banks America, Inc. ....................00000: 94, 714, CET CNOIODD oc ccccccnsscnccrersaccncoeessbasecces OU WO NY RN cavicacvvensscbenysesciesvencns 94, 714, 752, CIB Marine Bancshares, Inc. .................ce0n.ccec eeen s 560 First Capital Bankshares, Inc. Cisco Bancshares of Nevada, Inc. ..................0000000 752 First Commerce Corporation PUG MOR, WG. ccc cesscvcvenvecesesececeseconveasadas 752 First Community Bancorp Citco Community Bancshares, Inc. First Community Capital Corporation Citigroup, Inc. First Community Capital Corporation of Delaware, Inc. ... Citizens Bancorp of Oviedo First Deposit Bancshares, Inc. ..............0...c0c0eeceee ee e 178 Citizens State Bancorporation First Financial Bankshares, Inc. ..................0...000000: 478 City National Corporation First Independent Capital of Nevada Clark County Bancorporation First Indiana Corporation CNB Financial Corporation ......................e0ceeeeeues ] Pe I I si coicdracenkiceseak hcezssa ccanecasii n 428 CPE I BIDS sisciebccosnsencevessssteeesnusrsatencsuas First Liberty Capital Corporation Employee Coast Bancorp Stock Ownership Plan ....................ceeescceeeeees 560 Colonial BancGroup, Inc. First Merchants Corporation .....................ceeeeeeeees 560 Colorado Business Bancshares, Inc. First Muskogee Financial Corporation 479 Colorado Business Bankshares, Inc. First National Bancshares of Huntsville, Inc. ............... 629 Columbia Trust Bancorp First National Bank Group, Inc. .....................20.0005 560 Comanche National Corporation 278 First National Bank Holding Company Comanche National Corporation of Delaware .............. 278 First National Bank of Moose Lake Profit Sharing Comerica, Incorporated 178 IEE Suiseiat trdaticne Cade ana se haeceidaa selves itasne nig Commerce Financial Corporation, ESOP ................... 560 First National Bankers Bankshares, Inc. Commercial Bancgroup, Inc. .................002eceeeeeeeees 754 First National Johnson Bancshares, Inc. Commonwealth Bancshares, Inc. ..................22+20+22 357 First Okmulgee Corporation Index to Volume 87. 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 Wivat Colac TMCHNAIS, TAC. oo. o sce ce esscceeetenecese 38, 356 CEMA CN NG, ois wens cssesxuiyseriegasinsiessatbenaas 178 First Pulaski National Corporation Lenawee Bancorp, Inc. First Virginia Banks, Inc. 560 Litchfield Mutual Holding Company First Western Bank Shares, Inc. 752 Live Oak Delaware Financial Corp. Firstrust Corporation EIVG 5 ST GIG» s5.05 5 8eseibvisdsesontastoyudseeoens 714 FNB Bancorp Lone Tree Service Company FNB Corporation LSB Corporation Foresight Financial Group, Inc. Luling Bancshares, Inc. Foster Bankshares, Inc. Luling Delaware Financial Corporation FPB Bancorp, Inc. RES TCRNNEE, TRG aise sc cn visiv ns sisciadaveisnenaas 714 Frandsen Financial Corporation ...............000eeeeeeeeees Mahaska Investment Company, ESOP Franklin Financial Services Corporation Manning Financial Services, Inc. Frontier Financial Corporation Manufacturers Bancshares, Inc. Fulton Financial Corporation Manufacturers National Corporation Gateway Bancorp 180 Marathon Financial Corporation Gateway Financial Corporation ..................sseeeeeeee+ 280 WASKTINDS FASICSNTOS. TNC. 05.5 0.055 ess senanpasevescessveesens 95 GB&T Bancshares, Inc. 563 Marshall & Ilsley Corporation 40, 428, 479, 562, 630-31 Geneva State Company 629 DERPE NE UC NE oan snW ie cengnensescasunsoveais 714 Georgia Bancshares, Inc. 479 Mason National Bancshares of Nevada, Inc. Georgia Banking Company, Inc. 790 Mason National Bancshares, Inc. Giant Holdings, Inc. 426 Mason National Bank Employee Stock Ownership Plan ... Gideon Bancshares Company 715 Mauch Chunk Trust Financial Corporation mF Gideon Management, LLC. oo... sce cecccccessccccnsseseues 479 Te SO IIS 5 sisn.ndirncncsaxadayaqesnsmandquseypemnyey 428 OEE SENN NES vs ecw vu ve nnrsccvateencvsaciesech'ddaues 179, 279 EMER, GUNES 5 cscs vistin tninicaananeupastetannmceiesnealatweiohe s 715 GNB Bancshares, Inc. 561 McIntosh County Bank Holding Company, Inc. Goering Financial Holding Company Partnership, L.P. .... 94 Meader Insurance Agency, Inc. Goering Management Company, LLC 94 ET SOE I eosin ci0 0ssc5ssis when tsenonsveienennncsas 753 Grant County State Bancshares, Inc., Employee Merchants and Manufacturers Bancorporation, Inc. ........ 95 Stock Ownership Plan 56, 753 Merchants Merger Corp. Greater Bay Bancorp . 789 Metro North Bancshares, Inc. Greer Bancshares, Incorporated ...............seesseeseseees 5 Michigan National Corporation Guaranty Corporation Mid-lowa Bancshares Co. Guaranty National Bancshares, Inc. Midwest Community Bancshares, Inc. Gulfstream Bancshares, Inc. Millennium Bancorp, Inc. ..............scesesceceseecscesees 714 Hampton Roads Bankshares, Inc. RUT AICI UNS nani in rasc eunctnawsenaivakihessiocons 479 Hancock Holding Company ..................cccceeeeeeeeees : Mississippi Valley Bancshares, Inc. ..............eeeeeeeee .. 95 Hapoalim U.S.A. Holding Company, Inc. RMN SEUNG inicio san cine naccne ss peacenteunneeankes 427 Harleysville National Corporation Mitsubishi Tokyo Financia! Group, Inc., Tokyo, Japan .... ys Harris Joliet Bankcorp, Inc. Mizuho Holdings, Inc., Tokyo, Japan Harvard Bancorp, Inc. Mountain West Financial Corporation Hasten Bancshares MountainBank Financial Corporation .....................45 278 Hawarden Banshares, Inc. MSB Bankshares, Inc. Heartland Bancorp, Inc. NB Holdings Corporation Henderson Citizens Bancshares, Inc. UME SPIO, MBS asiccctnadadecnethsieiaswossikiecwuceteeei n 95 Henderson Citizens Delaware Bancshares, Inc. National Australia Bank Limited, OOTY SU MING, TRG. oo cic icscscsvtwcenaaidsceascness Melbourne, Australia Heritage Bancshares, Inc. National Bancshares, Inc. PE RNIN OI ors ss oisps cove cubewceneauidanenenaddelbe h National Penn Bancshares, Inc. High Street Corporation INES TAMENIN RON, TRG. os oies ins ccs esenneccdeenisanss 714 Mignhlands Bankshares, Inc. .......2..:....00205.scaccecescene. DR SINR INOS ha cadcdsasamicnsinpidadavensaieasacaant n 714 Holland Bancorp, Inc. Nebraska Bankshares, Inc. HomeSide Lending, Inc. New Peoples Bankshares, Inc Howard County Land & Cattle Company Newnan Coweta Bancshares, Inc. PON SII oss sescvseccssscsncracwenesinnconevawsss 2 North Cascades: Bamcehares, Ene. ......0..0s.s0cescscecesscces 480 Huntsville Delaware Holdings, Inc. North Texas Bancshares of Delaware, Inc. Hutisford Community Bancorp, Inc. North Texas Bancshares, Inc. IBFC Nevada Corporation Northern Trust Corporation ..................+..+. 279, 478, 560 Ida Grove Bancshares, Inc. Northfield Bancorp, Inc. (Stock Holding Company) Independent Bankers Financial Corporation Northfield MHC (Mutual Holding Co.) Indiana United Bancorp Northrim BanCorp, Inc. Industry Bancshares, Inc. Northstar Financial Group, Inc Industry Holdings, Inc. Northview Financial Corporation Innes Street Financial Corporation Northwest Mutual Holding Company Innovative Bancorp Northwest Suburban Bancorp, Inc. ...............00000e s 95, 2 Inter-Mountain Bancorp, Inc. PURENEEY CERNE, eich ice cunnccenscslayrincicsvaarvse eyseersG s 630 Irwin Financial Corporation Norway Bancorp, MHC Israel Discount Bank Limited, Tel Aviv, Israel Old Florida Bankshares, Inc. Israel Sait Industries, Ltd., Atit, Israel Olney Bancshares of Texas, Inc. .............cceeeeeeeeeeees 753 J.P. Morgan Chase & Co. One American Corporation WINS oleae snancnwanne ngin ywkvaernxtaxna ecnes imetniweiabe ns 479 OSB Delaware Financial Services, Inc. JDOB, Inc. 38 OSB Financial Services, Inc. PARR oes Seng snc nnucnieotictnhw aepnh eca se 715 Oswego Bancshares, Inc. NN ia oc cance mennyanmnsenaiesieenlencvys ee: ame Oswego Community Bank Employee Stock Keneington Bankshares, Inc. ..............ccccccsvecessseess 789 Ownership Plan Kerndt Bank Services, Inc. Ottawa Bancshares, Inc. Lake Bank Shares, Inc. Employee Stock Ownership Overton Delaware Corporation Overton Financial Corporation A80_ Federal Reserve Bulletin December 2001 Bank Holding Company Act of 1956—Continued Bank Holding Company Act of 1956—Continued Applications approved under-—Continued Applications approved under—Continued PAB Bankshares, Inc. Sun Community Bancorp, Limited Pacifica Bancorp, Inc. Sunrise Capital Corporation 3 Palm Beach National Holding Company ................... 278 Sweetwater Financial Group, Inc. ............c.ec.e. ee.e.ee e 714 Paragon Commercial Corporation ...............0.+200eeee0s 561 SUMGVRE PRMMNCINE COI. oni i ceiscscsecccscccsscesceverseess 753 Peoples Home Holding, Inc. ...............00eeeeeeeeeeeeeee 714 Team Financial Employees Stock Ownership Plan PORE OI, BS oii ssn ccccrssevcncnecevevencvccwenss 427 IIS cyiaceversacunnssedecencencsvansstecdans 753 Persons Banking Company Texas Community Bancshares, Inc. .....................0065 428 Peterstown Bancorp, Inc. ..............0cceeeeeeeeeeeeeeeeees 39 Texas Financial Bancorporation, Inc. ....................... 357 Piedmont BankCorp Texas Heritage Bancshares of Delaware, Inc. .............. 790 Pine Island Bancshares, Inc. Texas Heritage Bancshares, Inc. ...............000eeeeeeeee s 790 PI IIR i.ckosc iaiedtincccsesserereeecesssetaceuns 753 TFC Holding Company Plymouth Financial Corporation ...................ee0s000+. 356 Thumb National Bank & Trust Company Employee PNC Financial Services Group, Inc. .............0.:000eeees Stock Ownership Plan and Trust ...................... 279 Popular International Bank, Inc., San Juan, Puerto Rico ... Timberland Bancshares, Inc. ................0ceeeeeeeeeeeees 630 Popular North America, Inc. Trafalgar Holdings, LLC Popular, Inc., San Juan, Puerto Rico TransCommunity Bankshares, Incorporated : Porter Bancorp, Inc. nan incccakeacohiaitiietanssadbvawbeteeney 630 Prairieland Employee Stock Ownership Plan Triple J Financial, Inc. Promistar Financial Corporation ...................eeeeeeees 2 Trust B Created Under Item V of the Last Will and POY I TIE. avisiasiccsaxceseysindceseieseciess 179, 279, Testament of John Rufus Williams Puget Sound Financial Services, Inc. TU COI ioe so ois cn iceccicceesecancsnevensae 355 Quad City Holdings, Inc. ......... 2.0... cccce cece ee eee ee eee es I iad aaicind rok ea ya Cadth ee sihuncnorescneneeseeneencs 96 Quinlan Bancshares, Inc. Union Planters Corporation Raton Capital Corporation Union Planters Holding Corporation IONE natescincansnnseciseratweensetnaheensices RE ON, RG nic vennecsccstssesdesincnssccrecencen Se Red Level Financial Corporation United Community Banks, Inc. ...........2.2.. c.ce.e.ee. e ee 790 Regents Bancshares, Inc. United Financial Holdings, Inc. ...... icepmaekevensuicgunsatinn eee Regional Bankshares, Inc. ...................cceeeeeeeeeeeees United Nebraska Financial Company Regions Financial Corporation ....................0006 279, United Security Bancshares Remada Financial Holdings, Inc. Urban Financial Group, Inc. Republic Bancorp, Inc., Owosso, Michigan Valley Bancorp Republic Bancorp, Inc., Louisville, Kentucky .............. Venture Bancshares, Inc. Republic Bancshares of Texas, Inc. ...............0e0e.eee e e I IIR a6 504 a thas beds-0don bance cence con conesen River Valley Bancorp, Inc. ..............sceeseeeeeeeeeeseees Virginia Capital Bancshares, Inc. PMI EY nas sivec osdiconsincisivinsaesariperseeries Virginia Financial Corporation RNB Corporation Waccamaw Bankshares, Inc. ................0.cccceeeeeeeees 428 Rockhold Bancorp Wachovia Corporation 179 Routt County Bancorporation, Inc. ....................00e0e s Washington First Financial Group, Inc. ..................... 561 Royal Bank of Canada, Toronto, Ontario, Canada Waukomis Bancshares, Inc. 279 Savings Bancorp, Inc. Wausa Banshares, Inc. Seacoast Financial Services Corporation WB Bancshares, Inc. OND IOI, BIG. 6 cvicsccnessantovecerasastecenntacsnvers WB&T Bankshares, Inc. Security Bancshares, Inc. ................0.ceeeeeeeeeeeeeees Wells Fargo & Company Shamrock Bancshares Employee Stock Ownership Plan .. Wells Fargo Financial Services, Inc. .....................00: SI III, TING: ave disccwescccsvcensvcssavaseuacisees a3 56 Oe POO PUMICE, FIG. oo ooo icc ca ccc ceceverescececetion Shelby Savings of Nevada, Inc. ................ccccceeeeeeee : Wesbanco, Inc. ............ LORNA Shore Bancshares, Inc. : Weat £2 Baemvorporation, nc... 50. scsieccsscieveccosees 790 a ncciv sana hasnsneasicnctaornmaubaeds 279 West Bad Fimencial Corp. .........ccccccccccccseccovsiscvecs 715 Somerset Hills Bancorp Westdeutsche Landesbank Gironzentrale, Sooner Southwest Bankshares, Inc. Duesseldorf, Germany South Plains Delaware Financial Corporation Western Bancorporation, Inc. South Plains Financial, Inc. ...................cceceeeeeeeees 789 Wewahitchka State Bank Employee Stock Southern Community Bancorp, Inc. ............... 96, 357, 427 MIPIM Seay tnans 0 sed ccncatensdadaiiacceaysceeens 561 Southern Connecticut Bancorp, Inc. .....................005 753 oe a RRENA Re Eee coe me a 630 Southern Development Bancorporation, Inc. ............... 559 Whitney Holding Corporation 40, 96, 754 Southwest Bancorporation of Texas, Inc. .................-. 96 POON on x cieshixcacucineksnstccunereicinecneseesc OG ET Southwest Holding Delaware, Inc. .....................2.55. 96 WJR Corp SouthwestUSA Corporation Woodford Bancshares, Inc. Spector Holdings, Limited Partnership Yankee Ridge, Inc. Spector Holdings Management, LLC YNB Financial Services Corp. ..............0..ccceeeeseeees 715 Spectrum Bancorporation, Inc. ....................200eeeeees Zia Financial Corporation Speer Bancshares, Inc. .........:..ccsccccccsesccecccccceccnns 714 Zions Bancorporation SSB Management, L.L.C. ................ccecccecceeccsecens 97 Zohar Hashemesh Le’ Hashkaot, Ltd., Tel Aviv, State Bank of Slater Employee Stock Ownership Plan .... 630 SI PING TRG. eos escccnccciesescaacsccssevsonsveaene 428 State Bank-Winfield Employee Stock and Ownership Orders issued under Plan & Trust PE ING ONG. een essccnscenrvocdeednsasessctnuiss 678-81 State National Bancshares, Inc. PN NT hd cater dinvanenaknteunes caaistccinsas<vaue 421-23 Sterling Bancorporation, Inc. .................2..2200005 357, 561 Arison Holdings (1998), Ltd., Tel Aviv, Israel 3 Sterling Bancshares, Inc. ..................00ceeeeeeeees 357, 561 Bank Hapoalim, B.M., Tel Aviv, Israel ................. 327-30 Stichting Administratiekantoor ABN AMRO Holding, BB&T Corporation Amsterdam, The Netherlands ......................0005 180 Canadian Imperial Bank of Commerce, Toronto, Stichting Prioriteit ABN AMRO Holding, Amsterdam, Canada NE IIR Sick cp ivusees veuvadssaesesessebesveces 180 CB&T Bancshares, Inc. Stockman Financial Corporation 39 Charles Schwab Corporation Sturm Financial Group, Inc. ....................020ee00es 40, 97 Chase Manhattan Corporation Summit Bank Corporation CIBC Delaware Holdings, Inc. ......................2005 678-81 Sun Bancshares, Inc. CIBC World Markets, Inc., Toronto, Canada Index to Volume 87 A8I1 Bank Holding Company Act of 1956—Continued Bank Merger Act—Continued Orders issued under—Continued Applications approved under—Continued Citicorp Fifth Third Bank, Indiana Citigroup Holdings Company Fifth Third Bank, Western, Ohio SE IIDy esiy'cx Cancun ar Kuuniee sey nucxciennen maces 600-24 First Farmers Bank and Trust Company Citizens Union Bancorp of Shelbyville, Inc. ............ 262-63 First Interstate Bank Countrywide Credit Industries, Inc. ..................... 419-21 First Penn Bank Countrywide Financial Holding Company, Inc. ......... 419-21 First Security Bank of Missoula Effinity Financial Corporation First Virginia Bank Pee I INS ap specs ceseciwscciesovenanteseaecseaas 346-49 First Virginia Bank-Colonial PO NY NR is cys secivaresecesvsncsupacswpacenyss SOUS First Virginia Bank-Hampton Roads .....................06 791 First Union Corporation 683-708 Friendship Community Bank Paret Western OCG, GNC. 20.20. cccnsecicasscasesasoers 681-83 Glacier Bank PRN CIO ois i sccidedicisiosneesivssanesecazces SOMO FleetBoston Financial Corporation ...................... 252-62 PEM TCOUUIOES, TNE. oii oes ssn sicesncscssesevecsces 34346 Friedman, Billings, Ramsey Group, Inc. ................ 34649 Grent Southern Bancorp, UC... ..... ccc scccccevccsecescesscs 266-68 Hapoalim U.S.A. Holding Company, Inc. Harrodsburg First Financial Bancorp, Inc. International Bancshares Corporation Israel Salt Industries Ltd., Atlit, Israel 27-: 41, 180-81, 358, J.P. Morgan & Co., Incorporated ..................0000008 76-90 480, 563, 755 Juniper Financial Corporation North Valley Bank Lea M. MicIitilant Trast i... ico cscccccecveseseesenseess SOROS Northern Neck State Bank MMF) PecicatcrmickisinesaccaSeiaiecksnyeedeadsocute 268-70 Peoples Bank and Trust Company Mitsubishi Tokyo Financial Group, Inc., Pioneer Bank I, IN coke kcunicuniuneuaGcwedsedacasbanscesauk 349-53 Money Management Associates (LP), Inc. .............. 346-49 Money Management Associates, Inc. ................... 346-49 PRS ONE isiiskinnctinasuaarcnnnsicaceuenShsaneeewaenerenaes 358 Money Management Associates, L.P. ................... 346-49 PURO III © 75.5002. 45.cuussa ceceawenseweonecemrenbaeeunee 563 Native American Bancorporation Co. ................... 747-S0 Provident Bank North Fork Bancorporation, Inc. Regions Bank Proeperty Benceleres, Ic. ..... .<.......00s.scssesencosns 264-66 Rockingham Heritage Bank Concent Commity Bacon, BAC. ou... soi ccceccersccsiviesssee e 30-36 Rolling Hills Bank & Trust Rock Merger Subsidiary, Inc. ..................sceeeeeeee 467-71 Security State Bank Royal Bank of Canada, Montreal, Canada 467-71 Security State Bank of Edgeley SERIE ies prone de Ne8SSodsaa Mates eess.kaueew serene Sky Bank-Mid Am Region U.S. Trust Corporation SouthTrust Bank UFJ Holdings, Inc. (In Formation), Osaka, Japan ...... 270-74 State Savings Bank of Manistique Wachovia Corporation 683-708 Sylvan State Bank Zohar Hashemesh Le’ Hashkaot, Ltd., Titonka Savings Bank Tel Aviv, Israel Valley Bank of Helena Bank Holding Company Act, financial activities Valley Independent Bank Bank Holding Company Supervision Manual FN a didnah cicaspeasncivadenexeitsteseenisnee e 358 Bank Merger Act Western Security Bank Applications approved under Zions Bancorporation Ist Financial Bank Orders issued under OP II a ciinn i onenuamennsdarencnnncsws .... 480, 716, PADI RNIN 53hrs iin eae KdaenSarenen nase ANAS RASA EERTS 275-76 Adams Bank & Trust Central State Bank Bank Independent Bank of Blue Valley Chase Manhattan Bank Bank of Chelsea Mcllroy Bank & Trust Bank of Colorado Old Kent Bank Bank of Louisville Old Kent Bank, National Association Bank of Pontiac Bank of Canada, swap facility augmentation Bank of Tazewell County Bank of England, swap arrangement Bank of Washtenaw Bank securities, testimony Big Sky Western Bank Bankers dollar acceptances table, discontinuance Capital City Bank in Federal Reserve Bulletin Centennial Bank of the West Banking organizations IE RINNE TIN iia55 vein ocgincseceacnunvacuaconsnaaecran ee Broker and dealer exemptions Central Trust and Savings Bank Loan-to-deposit ratios CANINE IN INO ies chicads icdccnatccadgenancsioeacnnse 563 Reform, recommendations Centura Bank Supervision of, article Chase Manhattan Bank Banking, on-line, regulation Chemical Bank and Trust Company Banks, small, economic performance, article Citizens First State Bank of Walnut Barger, Norah M., promoted to Deputy Associate Colonial Bank Director, Division of Banking Supervision Commercial Bank and Regulation Commercial Bank - California Basel Committee on Banking Supervision Commercial Trust & Savings Bank Bassett, William F., artiche: 0.0... .scesescocsasseves 367-93, 719-28 Compass Bank Biern, Herbert A., promoted to Senior Associate Dacotah Bank Director, Division of Banking Supervision English State Bank and Regulation F&M Bank-Maryland, Inc. .................ceceeeeeeeeeeees Bitler, Marianne P., article Falcon International Bank Board of Governors (See also Federal Reserve System) Farmers & Merchants Bank Bank Supervision and Regulation Division, restructure Farmers Bank of Mt. Pulaski Building purchase A82_ Federal Reserve Bulletin December 2001 Pages Pages Board of Governors——Continued Commercial banks Consumer Advisory Council Balance sheet developments ...................000eeeeeeuee 369-82 SE Dateriacdusvevcecanss sicknatansniananceeus 306, 453, 736 ME uteactipsereshohedereraxehensssscnieaserssnsiatsseemelakea e 374 New members . 453 I airs catnan custa cenn seein sedans vee yeas ia kae Oeeeee sete 374 Economic projections 106 IE crienisccrcseedes decmaxenccagucsuriacnheinencds 367-93 Index of orders and actions taken .......... 37, 277, 423-25, 712 Income and expenses, tables ...................000000e00++. 383-93 Information Technology Division, restructure ................. 219 Interest income and expense .........c.cc.c .ec.e .ce.ce. ee.e e es 376 Members International Operations ................ceeeeeeeeeeeeeeeeneneees 382 Ferguson, Vice Chairman Roger W., oath of office MEIN ctv Gdebesn ev Genes sicabaccusiarkwasserasuevs seakmee n 374 Kelley, Governor Edward W. Jr., intended resignation RM ak GHRs AGH iNacacdasocuaetcedensiuxeneescsiadsetsssmeees 370-74 Membership list, 1913-2001 2.0.2.0... ...cceceeeeeeeeeeeeeees JOS Noninterest income and expense ...............2c.e e.e0e 0ee 0ee e 378 Staff changes SEE ettacciiibhcsatanehanccnarGaeedesscsecesncaueperals 375 BE III: waanenidescncntesrictneessodiesioadaacensaus PIII Siacc iianan cons nach senarkanowecs o$a5aneeensiems 374 Community Reinvestment Act (CRA) 598 SE NEES sedienccncosavahserrsceavencesssatesinenedes Cémo puede un consumidor presentar una queja acerca INE, Sokcndecasscnsctucsnitineesisanesaekswencanh GF TE PI, CHOIRS on esc ccs cesecicsvsscccacecoseccnssesese 598 IE SS cncdnpnrcsasaiscoonsacabedsencesitehencthees Consumer Advisory Council Bouchard, Barbara J. DEE aonb edacasaracese>isveisacndspesccerstenees 306, 453, 736 NUE suuibiswcssarenenerswetocrnenarksceuwnndsaexas 219 New members . 453 EE ie cxc orccksssancegusannssaaeueienntsanterbunteante 67 Consumer protections for depository institution sales Desmond, Angela of insurance, amendment to . 27-30, 309 ROO, TOVREA. onc cscccccccccccncsiencrevsesoncvsess 219 Consumer regulations, web site IEW: aivcecescicscaccencsswasacaakeinscneecnsnes Consumer Rental Purchase Agreement Act, H.R. 1701 III os inkanenccsheecsesn teneeunasunneiwneniemn s MIEN bo Gor enctcunnnsesscctvhdostuareacacccoresaseete 586-88 Frierson, Robert GcVere .........ccscccccccceccccccsscesevees SIO Consumers Se IN OU Se ideseriecnccavssssuquopnuacevaceiniecs 67 Disclosures to . 308 I ose siiesanessesxsecarsicnsacenspaeheesoneren Protection rules, effective date extended ...................... 309 SI hndaacncesrinecunccenctceenxbemnehennieenwes Regulations for, web site 17 Jacowski, Mary Cross PCSOUICOE, TH SOMMER: ...... 62.00 cccrecccicccrcreccccseesenes 217, 598 IED pAsacnasudhererecenceeecutiacsneunceasenaiews Spending Kohn, Donald Corporate finances BR EE axkcteustenticaginticdoseoreesconncrncaupeneynenn Corrado, Carol, article ED ina o5boanvne hcuheeanehsieskdevinccencdvee es Tome SN NN noone ssc cnceeensanaveaccsundecnucees 571, 573 POE OR. eke ciccscesvaccavesnsercesscerssaetes 67 Credit card industry, testimony NI Sis cieisiedihscahhashioneboiescasveseutwinudes 219 Credit to small businesses 188. 190-94, 197-99, 448-51 PONE, BUND DE. eas scsicsccedcccdintccnecsevenenstoosess 219 Cross-border investment in securities, article .............. . 633-50 TEND coiecaiisasinciinskiceieausssesnceenshecesinas Tee NN INIED concedes esxdanis pavsidiencaeeserinesskuwits 486, 567-75 Richards, Heidi W. Customer information security IIE cis sriotcxdecasnatascenmecauedwaeseeunne d Shanks, Margaret McCloskey 125, 166, 522 PTI sabe psiensciconerssssrcactansicenrenesettens DeFerrari, Lisa M., article 47-57 SII I saensesninesensveccsae<vtdaickiasuvewersasd 219 Deposit account fees SE, HUN GPs snsccsicicseccsecccnesvenstssndedeanenesnd NN I re cavccsevecccnccuatdsdrencuvessutsubsinecamuuenn ane SE MENG ney thwsccerviverccsonsbcachinaseavexornnaes Depository institutions I-11, 63, 194 Wassom, Molly S. . Deposits, brokered and rate-sensitive, risks ...................... 413 EE Tle oekiddauesitviecsecesccodenensbanapeeascsousss EXCCRUONTPGS WONG oan ain esi secsnncxeecccsovssecnnceccsss 414 PINON cnceccckuesecccsntsncesdccrdveicensecdsaucsbus 662 Desmond, Angela, appointed Assistant Director, Division of Terrorist attacks, statements .................e0e0ec eeeeee e 661, 662 Banking Supervision and Regulation Directives, Federal Open Market Committee Bouchard, Barbara J., promoted to Deputy Associate Director, Division of Banking Supervision and Regulation Disclosure, market risk, guidance ..............c.ec0e. e.nu.ec e es 307 Disclosures, electronic delivery 102, 308, 598 Brady, Thomas F., article Discount rate, meeting Minutes ...........cc.c e.ce. ce.ce. e.ee. e es 775 Broker and dealer exemptions, banking organizations § NIE an dddauniidy ececsesanvseceresndursancaycasdasabenies 370 Discount rate, reductions ......... 161, 306, 412, 452, 661, 733, 735 Business sector, economic developments ..................... 110-13 Dollar, U.S., as global currency, article ....................08. 567-75 Businesses, small Domestic open market operations during 2000 Characteristics Domestic policy directives, FOMC 535, 544, Computer use 661, 670, 713, 744 Credit availability Drossos, Sophia, article Financial services, use of, article ECONOMIC DEVELOPMENTS, by sector Business 110-13, 508-12 CAPACITY UTILIZATION Financial markets .....................05. 104-06, 120-25, 519-22 CAE PUI, FIN ooiisscccicosvcrisscncsscsacensvosssvecteavesius 200 Foreign 115-17, 514 Capital adequacy framework, proposal to amend 167 Government 3-15, 512-14 IE EIN Slendsensicteckwavestssieacecskoxonsduastaentwone aun Household 107-10, 505-08 Capital, commercial banks ..................0.ccccccceeeceeeeeeees 374 Labor markets 117-19, 515-18 Central Bank Research conference ....................0eeeeeeeeee 306 Prices 117-19, 518 Century Date Change Special Liquidity Facility Economic performance of small banks, 1985-2000, Chairmen and deputy chairmen, 2002, article Federal Reserve Banks 735 Economy, U.S. Checkers Bank, The 17 Performance Checking account fees 3 PUR MNIIOIG oio.o.sa cscs ca cecacsvceveeccasebtacncaareans 284 Checking and savings accounts, use of by small businesses .... 188 Monetary policy reports ..... 103-31, 209-13, 213-16, 501-27 Clark, Tillena G., assigned Assistant Director, Division Projections 106, 503, 541 of Reserve Bank Operations and Payment Systems ........ 219 Testimony Cole, Roger T., promoted to Senior Associate Director, Edmondson, Wayne A., appointed Assistant Director, Division of Banking Supervision and Regulation Division of Information Technology ......................-. 219 Commercial and industrial loans ....................200eeeeeeeeee 379 Edwards, Gerald A., promoted to Associate Director, Commercial Bank Examination Manual 18, 455, 776 Division of Banking Supervision and Regulation Index to Volume 87. A83 Pages Pages Electronic Fund Transfers (Reg. E) ...... 217, 231-33, 306, 323-27 Financial subsidiaries, criteria needed to control Embersit, James A., appointed Assistant Director, Finder role, permissible activities for financial holding Division of Banking Supervision and Regulation CIE 5.65.0 civcnnraseuscecnansecavantenccnasnma wneuiaansi s 62 Emerging-market economies Fisher, Peter R., Executive Vice President, Federal Enforcement actions (See Litigation, Final enforcement Reserve Bank of New York, articles 149-53, 482-99 orders issued by Board of Governors) Flow of funds accounts, U.S., article Equity prices Foreign currency operations, FOMC authorization .............. 314 Euro Foreign exchange operations European Central Bank, swap arrangement Articles 149-53, 394-99, 576-81, 757-62 RUN NINOS ons con axe skoapnucccnkenstasnasiexodysuhsdeusibeeeucaes 287 Articles, discontinuance in Federal Reserve Bulletin Extensions of Credit by Federal Reserve Foreign official institution Banks (Reg. A) 169, 231, 417, 465, 747, 777 Foreign sector, economic developments ....... 115-17, 284, 524-27 Foreign transactions in 2000, article ...............eceeeeeee e e 283-94 FAULKNER, Ryan, article Frierson, Robert deVere, promoted to Deputy Secretary Feasibility and Desirability of Mandatory of the Board, Office of the Secretary Subordinated Debt, report Federal budget and fiscal policy, testimonies ...... 157-60, 298-301 GAGNON, Joseph E.., article Federal funds rate 306, 412, 452, 482, 494, Gonzalez, Henry B., Former Chairman, U.S. Banking 535, 661, 735, 773 Committee, statement Federal Open Market Committee Goods and services, trade developments ..................04- 287-90 Disclosure of procedures, modifications .....................5. 217 Government sector, economic developments ................. 113-15 Discount rate, reduction 161, 306, 412, 452, Gramlich, Edward M., designated as chairman, Air 535, 661, 735, 773 Transportation Stabilization Board Domestic open market operations, authorization ......... 313, 497 Gramm-Leach-Bliley (GLB) Act 406, 655, 737 Domestic policy directives 15, 482, 535, 544, Greenspan, Chairman Alan 661, 670, 713, 744 Statements Foreign currency directives ... .. 316 Arthur Levitt resignation Foreign currency operations, authorization ............... 314, 316 Ferguson, Vice Chairman Roger W., Jr., renomination .... 217 Meetings Henry B. Gonzalez Discontinuance of minutes in Kelley, Governor Edward W., Jr., resignation Federal Reserve Bulletin 671, 745 Paul, O'Neill, Secretary of the Treasury, nomination Minutes Testimony RE Ai ae picv achnccercencuiexcee Gsunvdvaactpvweevennt 20-25 PIONEER RE: siacaannracnadanie bdidwe tsheaabeeGantanseeenee n 767 Nov. 15 a Federal budget and fiscal policy SUN: MONEE hina k db scardocncdinsancncencetenetatsaeae s ane International trade and world economy January 30-31, 2001 REGUREY DONNY csicie scnesecsvevedanns 209-12, 213-16, 588-97 Mar. 20, 2001 Technological change and financial services ............... 215 May 15, 2 Terrorist attacks, effect on economy June 26-27, 2001 U.S. banking system Aug. 21, 2001 Griever, William L., article Schedule, 2002 Telephone conferences H.R. 1701, Consumer Rental Purchase Agreement Notation vote, Vincent R. Reinhart election PRN WINN tg deen ashe wun cl nnuliiegasuneencuvnet s 586-88 Reciprocal currency arrangements Hannan, Timothy H.., article Federal Reserve Act Hilton, Spence, article Federal Reserve Banks Hoffman, Stephen M., promoted to Associate Director, Chairmen and deputy chairmen, 2002 .................0e0ece e e 735 Division of Banking Supervision and Regulation PU IIE Lac cncinnenvebiwiatsateisiaeceussoeneecewbnileakceu s Holm, Charles H., appointed Assistant Director, Operating income Division of Banking Supervision and Regulation Federal Reserve System Home equity lines OF Credit .....60.0.000ssccceccccsssesecess 309, 373 Balances Home Mortgage Disclosure Act (Reg. C) Fees for Federal Reserve services to depository Houpt, James V., promoted to Associate Director, institutions, priced services ...............05. 15, 64, 736, 774 Division of Banking Supervision and Regulation Member banks, requirements for controlling subsidiaries .... 165 Household assets, debt, and loans ................ 372, 381, 436, 507 Fees of depository institutions Household sector, economic developments ................065 107-10 Fees, ATM, disclosure requirements ................eeeeseeeeeees 217 PRE SOORONIIE 5 orcascenansu cence cater biawehdaaueschboccabdes 506 Ferguson, Vice Chairman Roger W., Jr. Humphrey—Hawkins Report (See Monetary Policy Credit to small businesses, testimony Reports to the Congress) Nomination, testimony IEE cabccatiiare sae seer wans <otaoy cinkcew ent puaarsaeererune 598 IDENTITY THEFT, protection 412, 454 RNIN SONU co cn cameusregncleenenaskvaneeecesns 217 Identity Theft: Protect Yourself, video Financial activities permissible under Bank Holding NERS SUMIOR incisions co nceeanwansacdenndasnnsdinndsanancadhaonse s 289 Company Act , 163 Income and expenses, commercial banks ............... 376, 383-93 PNT SE IEE ani Sexcocaurednsdnnccysusaneqanhihwenenses 116, 514 Income, Federal Reserve Banks Financial holding companies Industrial economies Finder role activities Industrial production and capacity utilization Merchant banking activities ..................eeeeeeees 164, 405- ] 1 Procedures and permissible activities Discontinuance in Federal Reserve Bulletin .. 584, 653, 731, 765 IN IUD socio ss casciascidswoanyepysanncchemeanneds I IID x. yaasecccetnsseesoneesenessnvegenepsaneaneeen 137 Financial information, public disclosure Releases 12-14, 58-60, 154-56, Financial institutions 206-08, 295-97, 400-02, 442-44, Anti-money-laundering programs, guidance 528-30, 582-85, 651-53, 729-32, 763-66 Subprime lending programs, guidance Revision Financial management services, small business use Tables Financial markets, economic developments 104-06, 120-25, Information, protection of consumer 502, 504-26, 519-22 Insurance products, consumer protection rules ........... 27-30, 309 Financial services used by small businesses: Evidence Interest income and expenses, commercial banks .......... 376, 378 from the 1998 Survey of Small Business Finances, Interest on demand deposits and balances at Federal article 183-205 Reserve Banks, testimony ...............ssseeseeesesseees 301-05 A84_ ‘Federal Reserve Bulletin December 2001 Pages Pages Interest rates Litigation—Continued Commercial banks, tables ...................0000cceeeeeeeee 384-93 Final enforcement decisions and orders—Continued Financial markets ..............0..cscccsceccccsesecenes 121, 519-21 I IEE Ue. |N einanecenicensneshvabranieeciecntaseuws 19, 42 International Banking Act of 1978 Guaranty Bank 19 Orders issued under Guaranty Financial Corporation Abbey National Treasury Service plc, MER GtGhavetadtctcskiconerinwaasnrawainesvsaesn s 66, 99 EGRGON, ERQUARE ........ccccceccccnccccsesecncescess 750-51 SISTER ones han aceon. cnsckseesacaaaasibuednuneses 457 Banco de Bogota, S.A., Santafe de Bogota, D.E., Kann de Gouverneur, Nelly MED axuenadescuvensasiusanedcusivuscorseeceesves 552-54 Kingdon, Bruce Jeffrey Banco de Credito del Peru, Lima, Peru 708-10 Maryland Permanent Capital Corporation Banco Pastor S.A., A Corufia, Spain ............... 20600000. 555 Mcliroy Bank and Trust Bank Austria Aktiengesellschaft, Vienna, Austria ...... 556-58 New Century Bank Caja de Ahorros y Monte de Piedad de Madrid, Operation Casablanca Madrid, Spain People’s Bancshares, Inc. DePfa Bank AG, Wiesbaden, Germany Peterson, George J. Euroclear Bank, Brussels, Belgium Plante, Harvey Kookmin Bank, Seoul, Korea Rhon, Carlos Hank RHEINHYP Rheinische Hypothekenbank AG, Scott, Edward D. Frankfurt am Main, Germany ee UE RID Fins cn 75s ea sntwdcivexensduasnateadaks Société Générale, Paris, France Union Planters National Bank International Banking Operations (Reg. K) United Central Bank International USABancShares.com, Inc. Developments, monetary policy 127-31, 524-27 Valley Independent Bank Operations, commercial banks ...................0200eeeeeeeees 382 Index of orders and actions taken .................... 37, 277, 712 Trade and world economy, testimony Pending cases involving the Board of Governors, Transactions, article lists of 42, 98, 181, 280, Investment income 359, 429, 481, 564. Investments 632, 716, 755, 791 Equity, in nonfinancial companies Termination of enforcement actions issued by Board of WOE III Scie wae vcceesvcesientdcenetatcurtacencs 508, 509 Governors Securities across borders, article 633-50 Asahi Bank, Ltd. Written agreements approved by Federal Reserve Banks JACOWSKI, Mary Cross, promoted to Deputy Associate Ce I BGs sive nevexsnerresceases Director, Division of Banking Supervision Guaranty Financial Corporation and Regulation People’s Bancshares, Inc. Jennings, Jack P., promoted to Associate Director, USABancShares.com, Inc. Division of Banking Supervision and Regulation Loan-to-deposit ratios, banking organizations, report ........... Joint Central Bank Research Conference on Risk Loans PIII shind s va gaavencecacscciedccxesvnedeuceiravecians 306 Accounting and reporting guidance ..................0ceeeeeees 308 Business 370 KELLEY, Governor Edward W., Jr., intended resignation CEICNNE GUNG TAMRON go 5 oo ok ns. ee ncnescccesesevacnssses 379 Kohn, Donald, appointed Adviser to the Board, IEEE Sacbscdcereinstsiscabsddusksiusinennsatsordeseseste n 373 Office of Board Members ....................0000ccceeee0ee. 536 Household Kos, Dino, Executive Vice President, Federal Reserve Performance, commercial banks ....................00000ee0ees 379 Bank of New York, articles ........... 394-99, 576-81. 757-62 Syndicated Lopez, John, appointed Special Assistant to the Board, LABOR MARKETS, economic developments 117-19, 515-18 Office of Board Members Lampest, Riichacl J., anticke .........scccccscsscscscsccnsvesees 567-75 LAN equipment MADIGAN, Brian, appointed Deputy Director, LCBO Program Division of Monetary Affairs Lee, Gary A., article Martinson, Michael G., promoted to Associate Director, Leveraged financing, risks Division of Banking Supervision and Regulation . Levitt, Arthur, Securities and Exchange Commission, Marycz, Susan F., appointed Assistant Director, Division of resignation Beetee re 219 Liabilities, commercial banks ..................00.cceeeeeeeeeeeees 374 Massey, Raymond H., promoted to Associate Director, Litigation Division of Information Technology ......................4. 219 Final enforcement decisions and orders issued by Board of Member banks 165, 663 Governors Membership list, Board of Governors AmericasBANK Corp. ...............2ccceceesceeceesceeesees 738 1913-2001 PSIG Nanicnin<cbgsucerieriauresseescieresssnananos 19 Membership of State Banking Institutions in the Banca Serfin, $.A., Lomas de Sante Fe, Mexico Federal Reserve System (Reg. H) 169-70, 414, 673-678 Banco Internacional, S.A., Mexico City, Mexico Merchant banking activities 164, 405-11 Banco Nacional de Mexico, Mexico City, Mexico Meyer, Governor Laurence H.., testimonies Banco Santander, Madrid, Spain SY IND i ocoris ced xeccsxcbupusasancecencsscaseneoues 654-60 Bancomer, S.A., Mexico City, Mexico Interest on demand deposits and balances at Bank of Ephraim SE 301-05 Bank of Greenville Merchant banking activities I INI hex eaais-ndscvencenssccnsnsevsseeusocrnceebadee ee Real estate brokerage and management Bankers Trust Company .................0ceeeeeeeeeeeees 359-65 NN MID io oodx cence asnskrannacescessusinzacpecsne 126, 523 SD NM TRUE oecencanahersscierisivensssiscscencexel 99-100 Monetary policy reports to the Congress ........... 103-31, 209-12, NI Satixchacnevesdevasinenessinpidesubornndensnons 309 213-16, 501-27, 588-97 Caisse Nationale de Crédit Agricole, Paris, France .... Money stock data, revision .................ccceeceeeeeeeeeeees 2 Commercial and Savings Bank of Millersburg Mortgage ioans, diclosure requirement Crédit Agricole Indosuez, New York, New York Crédit Agricole Indosuez, Paris, France NOW account fees RII aos vacsvaensssaiedderssnaesibivawasveenins First Community Bank ................2...20ceeceeeeeeeeees 309 O'NEILL, Paul, Secretary of the Treasury, nomination Fonkenell, Guillaume Henri Andre ................ 310, 359-65 Goglia, Kenneth Oil prices in 2000 Index to Volume 87 A85 On-line banking, regulation Spaniel, William G., appointed Assistant Director, Open market operations ...............0cceeeeeeeen s 482-99, 522, 533 Division of Banking Supervision and Regulation Opportunities and challenges of the U.S. dollar as an Spanish-language consumer resources increasingly global currency: A Federal Reserve Stanton, Kristin D., article IIL INU anak ish ocean cpsaevesusacevesewereve 567-75 State and local government spending State member banks, financial subsidiaries rule PALMER, David E.., article Statements to the Congress (See Testimony of Federal Payments system risk policy Reserve officials) Personal information, access to Stop-payment order fees Priced services for depository institutions, Subordinated debt, report proposed calculation Subprime lending programs, guidance Prices, economic developments 117-19, 5 Supervision, large banking organizations Privacy Act Survey Of Compania? FIWaCOS ors. sssscccsscovcessicaseveevessenas 453 Privacy, consumer information 166, 308, Survey of Small Business Finances .....................00000: 448-51 PRORRSEA, COMMONCIRL TOKE 05. ociseccsccccacrsavecsvecssasscss SID Sussan, Sidney M., promoted to Adviser, Division of PRs COU CUI ooo 5 ina on nae scesncecvegesixssaeasinsyes 307 Banking Supervision and Regulation Publications Swap arrangements I I iki cn ok csiade cankwe agian ae eumnantoananee 536 Syndicated loans Annual Report: Budget Review, 2001] ..............000000000++ 536 Bank Holding Company Supervision Manual 455 TEPLIN, Albert M.., article Commercial Bank Examination Manual 776 Terrorist attacks, effect on economy When Your Home is on the Line: What You Should Know Testimony of Federal Reserve officials about Home Equity Lines of Credit, brochure ........... 309 Bank securities (Governor Meyer) Consumer Rental Purchase Agreement Act, H.R. 1701 REAL ESTATE (Dolores S. Smith, Director, Division of Brokerage and management, testimony Consumer and Community Affairs) .......... 586-88, 646-8 Financial holding companies, services .....................0005 65 Credit card industry (Dolores S. Smith, Director, SR a a ee Sat) A neem m mente UR Division of Consumer and Community Affairs) 769-72 Reciprocal currency arrangements, Federal Open Credit to small businesses (Vice Chairman Ferguson) .... 448-51 Market Committee Discontinuance in Federal Reserve Bulletin 5 Regulations, Board of Governors (See also Rules) Economy, U.S. (Chairman Greenspan) A, Extensions of Credit by Federal Reserve Banks ..... 169, 231, Federal budget and fiscai policy 417, 465, 747, 777 (Chairman Greenspan) 157-60, 298-301 . Home Mortgage Disclosure 17, 63, 75 Ferguson, Vice Chairman Roger W., nomination :, Electronic Fund Transfers ................... 217, 231-33, 276, (Vice Chairman Ferguson) 306, 323-27 Financial holding companies and merchant banking . Membership of State Banking Institutions (Governor Meyer) in the Federal Reserve System 169-70, 414, 673-78 Interest on demand deposits and balances at Federal . International Banking Operations Reserve Banks (Governor Meyer) ...........-......45 301-05 /, Federal Reserve Act, Sections 23A and 23B International trade and world economy , Bank Holding Companies and Change (Chairman Greenspan) in Bank Control 64, 75, 170-77, 417-19 Monetary policy (Chairman Greenspan) ......... 209-12, 213-16, . Truth in Lending 588-97 Reinhart, Vincent R. Real estate brokerage and management Appointed Director, Division of Monetary Affairs ............ 536 (Governor Meyer) Election vote to Federal Open Market Committee Terrorist attacks, effect on economy Reserves, required (Chairman Greenspan) Residency, concept regarding investment U.S. banking system (Chairman Greenspan) ............... 532-34 Residential mortgage originations, correction, table 4.411 Thrift Institutions Advisory Council 61 Richards, Heidi W., appointed Assistant Director, Trade deficit, U.S. .......... 287-90, 514 Division of Banking Supervision and Regulation Trade, goods and services 115, 287-90 Risk measurement, conference Treasury and Federal Reserve foreign exchange operations Robb, Alicia M.., article Articles 149-53, 394-99, 576-81, 757-62 Rules, final Discontinuation in Federal Reserve Bulletin Bank Holding Companies and Change in Bank Control Truth in Lending (Reg. Z) (Reg. Y), amendment to 170-77 Consumer protections for depository U.S. BANKING system, testimony ...............0ceeeeeeeees 532-34 institution sales of insurance .................seeeeeeees 27-30 U.S. flow of funds accounts and their uses, article Privacy Act U.S. system for measuring cross-border investment Ryback, William A., promoted to Senior Associate Director, in securities: A primer with a discussion of recent Division of Banking Supervision and Regulation developments, article ROT SUMINDEE sah caurcveavccokeqcesenssverseneedasesesantetuus ee INE SOD os aa sunsec chose cancterssusacdgishomnbenns 5 SCMWTE, KTISIR, QUTICIOS 2... cc ccccccecccacccencsecs 394-99, 576-81 VIDEO Securities Identity Theft: Protect Yourself I rained anwunsnsrentnesncicnes-cqasaaimentsenanaeen s 374 Bank, interim rules WARNOCK, Francis E., article PNT II oo gins iceas db inedkdwashavndbakekvasesneeieene 374 Wassom, Molly S., promoted to Associate Director, Investment, cross-border Division of Banking Supervision and Regulation Shanks, Margaret McCloskey, appointed Assistant Web sites Secretary of the Board, Office of the Secretary ............ Consumer regulations Small banks, economic performance, article Students, educators, and general public Small businesses (See Businesses, small) When Your Home is on The Line: What You Should Small, Richard A., promoted to Deputy Associate Director, Know about Home Equity Lines of Credit, brochure ....... 309 Division of Banking Supervision and Regulation WI, SE TA, ENON i visioc neniveeaddecetiscdencocnrsruns 183-205 Smith, Dolores, Director, Division of Consumer and Wright, David M., appointed Assistant Director, Community Affairs, testimony Division of Banking Supervision and Regulation Smith, Michelle A., appointed Assistant to the Board, Office Of Board Members .........0..ccsevescsvecsssecenaens 219 ZAKRAJSEK, Egon, article .............scecseceeeeeeeeeeeees 367-93

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Preview Federal Reserve Bulletin 2001: Vol 87 Index

Index to Volume 8&7 GUIDE TO PAGE REFERENCES IN MONTHLY ISSUES Issue Text “A” Pages Issue x, “A” pages Index to Index to tables tables 64 431-500 64 78 August 501-566 78 64 September 567-632 - 80 64 October 633-718 7 66 76 November 719-756 8 72 64 December 757-792 88 64 Statistical tables are indexed separately (see p. A64 of this issue). AIR TRANSPORTATION STABILIZATION BOARD, Bank Holding Company Act of 1956—Continued designations Applications approved under—Continued Amer, Howard A., promoted to Deputy Associate Director, ABN AMRO Holding N.V., Amsterdam, Division of Banking Supervision and Regulation The Netherlands Annual Report, 87th, 2000 ABN AMRO North America Holding Company ......... . Annual Report: Budget Review, 2001 ABN AMRO North America, Inc. Anti-money-laundering programs, guidance ACME Holding Company, Inc. ...............cseeseeeeeeees 560 Articles Aer FUREY TONE GIGS oon ais esto nedescecsnaicccceaas 356 Economic performance of small banks, 1985-2000 PORT TIN asi cnc cid pabiaks wcasataaeicdennimaieraes 560 Financial services used by small businesses: Alabama National BanCorporation 38 Evidence from the 1998 Survey of Small PASTOR ICN TIC... ici nns ceteacasesanedenesanensus 788 GRINS: PUIG osc cccntaesswetomenscssicennesecss . 183-205 REE ID eos sins cuicdarccdaciesasisansaiwaneied 713 Industrial production and capacity utilization: Alliance Bancorp 2000 annual revision ‘ Alliance Bank Shares Corporation Monetary policy reports to the Congress ......... 103-31, 501-27 Alpha Financial Group, Inc. Employee Stock Opportunities and challenges of the U.S. dollar CIPI WI 5 isis csciccasisansesvedenyixeessnensans 280 as an increasingly global currency: Amana Bancshares, Inc. 93 A Federal Reserve perapective ............06.0scs0cee. 567-75 Ambanc Holding Company, Inc. ..............seeseeeeeeeees 478 Profits and balance sheet developments at U.S. Ameriana Bancorp commercial banks in 2000 ............sscccscecesscees 367-93 AmeriBank Holding Company Retail fees of depository institutions, 1994-99 American Bancorporation Supervision of large complex banking organizations ....... 47-57 American Bancorporation of Minnesota, Inc. Treasury and Federal Reserve foreign exchange American Community Financial, Inc. ................00ee0e: 713 operations 149-53, 394-99, 576-81, 757-62 American National Bank of Beaver Dam Employee U.S. flow of funds accounts and their uses Stock Ownership Trust USS. international transactions in 2000 ..................65. 283-94 American National Corporation U.S. system for measuring cross-border investment American State Bancshares, Inc. in securities: A primer with a discussion AmericaUnited Bancorp, Inc. ................0ceeeeeees 357, 478 eee 633-50 Ames National Corporation : er re 6, 217 Anchor BanCorp Wisconsin Inc. ............0..eseeeeeeeeeee 752 AnchorBank BAILEY, Deborah P., appointed to Assistant Director, Arison Holdings (1998) Ltd.. Tel Aviv, Israel Division of Banking Supervision and Regulation Arkansas State Bancshares, Inc. ............:seeeeeeeeeeeees 178 Bank affiliates, final rule Astra Financial Corporation Bank holding companies (See also Financial holding Banco Bradesco S.A., Osasco, Brazil companies) Banco Espirito Santo, S.A., Lisbon, Portugal Bank Holding Companies and Change in Bank Control INS CDs <vsva sawiieatacexscninedanunt cinswaseshecueeseeons 714 (Reg. Y) 64, 75, 169-77, 417-19 Bank Hapoalim B.M., Tel Aviv, Israel Bank Holding Company Act of 1956 Bank of America Corporation Applications approved under Bank of De Soto, N.A., Employee Stock 02-e Limited, Melbourne, Australia ....................0.00: 279 Ownership Trust Ist Choice Bancorp of Delaware, Inc. Bank of Montreal, Toronto, Ontario, Canada Ist Choice Bancorp, Inc. Bank of Mulberry Employee Stock Ownership Trust Ist Financial Bancshares, Inc. Bank of Tokyo-Mitsubishi, Ltd., Tokyo, Japan 2000 Williams Investment Company, LLC Dime Ce IW aos ns ives nantndaucsneecesneewenseunen 357 Fe I asicw tiihnrrncenbendareertss vaneahatenesenss Bankmont Financial e,ossoss ci vesssecssesessaveeconvens 629 ABN AMRO Bank N.V., Amsterdam, The Netherlands ... ARIE: SID: SRG. ise ciciccevaverscsinaceroceiesecoeress 754 A78 Federal Reserve Bulletin December 2001 Pages Bank Holding Company Act of 1956—Continued Bank Holding Company Act of 1956—Continued Applications approved under—Continued Applications approved under—Continued Bayerische Hypo-und Vereinsbank AG, Community Bancshares Company Munich, Germany Community Bank Holdings of Texas, Inc. .................. 426 BB&T Corporation ...................0005 39, 40, 426, 428, 788 Community Financial eS See 480 Bedwell Investments, Inc. Community First Bancshares, Inc. 179 Bespar Sociedade Gestora de Participacoes Sociais, S.A., RINOE HUMMIND BNE. ois n nas cceccencasanvererdcicnnsnes 92 REIN ci.c0s dcnescananstessesecbueesvascecneaen ae Cooper Lake Financial Corporation 93 NS 0 ceGiicnuisnvoeecacanssbikiunabnbanpsaoidees 478 Cornerstone Financial Services Group, Inc. Boiling Springs Bancorp CRMC TROUT, PR oon nnn ccc ccseccceueveccesees h 426 Boiling Springs, MHC .....................ceeeeeeeeereeeee : 426 CU SII NGS 5 socidnscoenscecsnccwessscstecmeseeeas 752 Border Capital Group of Delaware, Inc. .................... 426 Covenant Bancgroup, Inc. .............. Border Capital Group, Inc. ................ccseceeeeeeeeeeees 426 Cowboy State Bancorp, Inc. Boston Private Financial Holdings, Inc. CreditAmerica Holding Company .....................0.0008 ET MUU, IS osc cccdcccecsvesevsvenvésaccvoneoess 752 Crescent Financial Corporation ...............0.ceeceeeeeeee 5 BOTH, Inc. CyberBills, Inc. Bryan Family Management Trust Dacotah Banks, Inc. Bryan-Heritage Limited Partnership Dai-Ichi Kangyo Bank, Limited, Tokyo, Japan BSB Community Bancorporation, Inc. ...................... 356 SPN INES. os osscivsccessavenvcosnspeootesencteass No vacrarcccetsctnioussddenanvnoiducencneesee 752 I NINES cvescecatarcacerkivieuyaniccrssrutea 357 ie ID NGS cys rennaivdiaicacesciencsaciaiasistensiares 479 Dexia S.A., Brussels, Belgium Caisse National de Crédit Agricole, Paris, France ......... 562 Dickinson Holdings, Inc. Camden National Corporation Dickinson Holdings of Delaware Camden National Investment Services, Inc. Discount Bancorp, Inc. 630 I BN won ive cncicsicecsadastosvererescoesauste 93 DNB Bancshares, Inc. 789 INS Sei cowicccanccretcccrvientsbapnscwucweis 479 DNB Delaware Financial Corporation 789 Capital Bank Corporation ................0ceeeceeeeeeeeeees SOT Douglas County Bancshares, Inc. 714 Capital City Bank Group, Inc. Dresdner Bank Aktiengesellschaft, Frankfurt, Germany ... 96 Carlson Bancshares, Inc. E.S. Control Holding, S.A., Luxembourg ................... 562 Carolina Bank Holdings, Inc. E.S. International Holding, S.A.. Luxembourg ............. 562 Carolina Financial Corporation ...................se0eeeeeees 560 RU IN TI ov ccs accvnccnvacusecessecctssnosssseuss Cascade Financial Corporation .....................20000000e 629 East Side Bancorporation Castle Creek Capital Partners Fund 1, LP East Texas Financial Corporation Castle Creek Capital Partners Fund Ila Eggemeyer Advisory Corp. Castle Creek Capital Partners Fund IIb ENB Bankshares, Inc. Castle Creek Capital, LLC ENB Delaware Bankshares, Inc. Catawba Valley Bancshares, Inc. Equity One, Inc. IED wcntdgashiucstnivesivcescinssscinbwnnersvierl ae Espirito Financial (Portugal) Sociedade Gestora de Centennial Bank Holdings, Inc. ......................000000- 479 Participacoes Sociais, $.A., Lisbon, Portugal Centennial First Financial Services 714 Espirito Santo Financial Group, S.A., Luxembourg ........ 5 Centra Financial Holdings, Inc. ...........................-. 356 Eureka Springs Bancshares, Inc. Central Alabama Bancshares, Inc. .....................00005 713 Evergreen Bancorp Central Financial Corporation ee I oS ocvceeicaasy scinvacedaeid shy iav<sasusnemonth 426 Central National Bank F&M National Corporation . 180 Central Ohio Bancorp F.N.B. Corporation . 358, 753 Century Bancshares, Inc. Farmers Financial Corporation Charter Bancshares, Inc. Farmers State Corporation Charter Financial Corporation FBOP Corporation Charter IBHC, Inc. FU DO ND: 5 iss ccccvasscusnnncsssverececenen aay oh Charter One Financial, Inc. Financial Investors of the South, Inc. Chase Manhattan Corporation First Ainsworth Company .................2seceessceeeeseees 357 Chemical Financial Corporation First Bancorp Chesapeake Financial Shares, Inc. First Bancorp of Taylorville, Inc. Chester Valley Bancorp, Bac. «......005cccccccesccsesevcesess 7133 First BanCorp, San Juan, Puerto Rico ...................... : Chinatrust Commercial Bank Ltd., Taipei, Taiwan, First BancTrust Corporation ...............0.....22eeeeeeeees Republic of China First Banks America, Inc. ....................00000: 94, 714, CET CNOIODD oc ccccccnsscnccrersaccncoeessbasecces OU WO NY RN cavicacvvensscbenysesciesvencns 94, 714, 752, CIB Marine Bancshares, Inc. .................ce0n.ccec eeen s 560 First Capital Bankshares, Inc. Cisco Bancshares of Nevada, Inc. ..................0000000 752 First Commerce Corporation PUG MOR, WG. ccc cesscvcvenvecesesececeseconveasadas 752 First Community Bancorp Citco Community Bancshares, Inc. First Community Capital Corporation Citigroup, Inc. First Community Capital Corporation of Delaware, Inc. ... Citizens Bancorp of Oviedo First Deposit Bancshares, Inc. ..............0...c0c0eeceee ee e 178 Citizens State Bancorporation First Financial Bankshares, Inc. ..................0...000000: 478 City National Corporation First Independent Capital of Nevada Clark County Bancorporation First Indiana Corporation CNB Financial Corporation ......................e0ceeeeeues ] Pe I I si coicdracenkiceseak hcezssa ccanecasii n 428 CPE I BIDS sisciebccosnsencevessssteeesnusrsatencsuas First Liberty Capital Corporation Employee Coast Bancorp Stock Ownership Plan ....................ceeescceeeeees 560 Colonial BancGroup, Inc. First Merchants Corporation .....................ceeeeeeeees 560 Colorado Business Bancshares, Inc. First Muskogee Financial Corporation 479 Colorado Business Bankshares, Inc. First National Bancshares of Huntsville, Inc. ............... 629 Columbia Trust Bancorp First National Bank Group, Inc. .....................20.0005 560 Comanche National Corporation 278 First National Bank Holding Company Comanche National Corporation of Delaware .............. 278 First National Bank of Moose Lake Profit Sharing Comerica, Incorporated 178 IEE Suiseiat trdaticne Cade ana se haeceidaa selves itasne nig Commerce Financial Corporation, ESOP ................... 560 First National Bankers Bankshares, Inc. Commercial Bancgroup, Inc. .................002eceeeeeeeees 754 First National Johnson Bancshares, Inc. Commonwealth Bancshares, Inc. ..................22+20+22 357 First Okmulgee Corporation Index to Volume 87. 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 Wivat Colac TMCHNAIS, TAC. oo. o sce ce esscceeetenecese 38, 356 CEMA CN NG, ois wens cssesxuiyseriegasinsiessatbenaas 178 First Pulaski National Corporation Lenawee Bancorp, Inc. First Virginia Banks, Inc. 560 Litchfield Mutual Holding Company First Western Bank Shares, Inc. 752 Live Oak Delaware Financial Corp. Firstrust Corporation EIVG 5 ST GIG» s5.05 5 8eseibvisdsesontastoyudseeoens 714 FNB Bancorp Lone Tree Service Company FNB Corporation LSB Corporation Foresight Financial Group, Inc. Luling Bancshares, Inc. Foster Bankshares, Inc. Luling Delaware Financial Corporation FPB Bancorp, Inc. RES TCRNNEE, TRG aise sc cn visiv ns sisciadaveisnenaas 714 Frandsen Financial Corporation ...............000eeeeeeeeees Mahaska Investment Company, ESOP Franklin Financial Services Corporation Manning Financial Services, Inc. Frontier Financial Corporation Manufacturers Bancshares, Inc. Fulton Financial Corporation Manufacturers National Corporation Gateway Bancorp 180 Marathon Financial Corporation Gateway Financial Corporation ..................sseeeeeeee+ 280 WASKTINDS FASICSNTOS. TNC. 05.5 0.055 ess senanpasevescessveesens 95 GB&T Bancshares, Inc. 563 Marshall & Ilsley Corporation 40, 428, 479, 562, 630-31 Geneva State Company 629 DERPE NE UC NE oan snW ie cengnensescasunsoveais 714 Georgia Bancshares, Inc. 479 Mason National Bancshares of Nevada, Inc. Georgia Banking Company, Inc. 790 Mason National Bancshares, Inc. Giant Holdings, Inc. 426 Mason National Bank Employee Stock Ownership Plan ... Gideon Bancshares Company 715 Mauch Chunk Trust Financial Corporation mF Gideon Management, LLC. oo... sce cecccccessccccnsseseues 479 Te SO IIS 5 sisn.ndirncncsaxadayaqesnsmandquseypemnyey 428 OEE SENN NES vs ecw vu ve nnrsccvateencvsaciesech'ddaues 179, 279 EMER, GUNES 5 cscs vistin tninicaananeupastetannmceiesnealatweiohe s 715 GNB Bancshares, Inc. 561 McIntosh County Bank Holding Company, Inc. Goering Financial Holding Company Partnership, L.P. .... 94 Meader Insurance Agency, Inc. Goering Management Company, LLC 94 ET SOE I eosin ci0 0ssc5ssis when tsenonsveienennncsas 753 Grant County State Bancshares, Inc., Employee Merchants and Manufacturers Bancorporation, Inc. ........ 95 Stock Ownership Plan 56, 753 Merchants Merger Corp. Greater Bay Bancorp . 789 Metro North Bancshares, Inc. Greer Bancshares, Incorporated ...............seesseeseseees 5 Michigan National Corporation Guaranty Corporation Mid-lowa Bancshares Co. Guaranty National Bancshares, Inc. Midwest Community Bancshares, Inc. Gulfstream Bancshares, Inc. Millennium Bancorp, Inc. ..............scesesceceseecscesees 714 Hampton Roads Bankshares, Inc. RUT AICI UNS nani in rasc eunctnawsenaivakihessiocons 479 Hancock Holding Company ..................cccceeeeeeeeees : Mississippi Valley Bancshares, Inc. ..............eeeeeeeee .. 95 Hapoalim U.S.A. Holding Company, Inc. RMN SEUNG inicio san cine naccne ss peacenteunneeankes 427 Harleysville National Corporation Mitsubishi Tokyo Financia! Group, Inc., Tokyo, Japan .... ys Harris Joliet Bankcorp, Inc. Mizuho Holdings, Inc., Tokyo, Japan Harvard Bancorp, Inc. Mountain West Financial Corporation Hasten Bancshares MountainBank Financial Corporation .....................45 278 Hawarden Banshares, Inc. MSB Bankshares, Inc. Heartland Bancorp, Inc. NB Holdings Corporation Henderson Citizens Bancshares, Inc. UME SPIO, MBS asiccctnadadecnethsieiaswossikiecwuceteeei n 95 Henderson Citizens Delaware Bancshares, Inc. National Australia Bank Limited, OOTY SU MING, TRG. oo cic icscscsvtwcenaaidsceascness Melbourne, Australia Heritage Bancshares, Inc. National Bancshares, Inc. PE RNIN OI ors ss oisps cove cubewceneauidanenenaddelbe h National Penn Bancshares, Inc. High Street Corporation INES TAMENIN RON, TRG. os oies ins ccs esenneccdeenisanss 714 Mignhlands Bankshares, Inc. .......2..:....00205.scaccecescene. DR SINR INOS ha cadcdsasamicnsinpidadavensaieasacaant n 714 Holland Bancorp, Inc. Nebraska Bankshares, Inc. HomeSide Lending, Inc. New Peoples Bankshares, Inc Howard County Land & Cattle Company Newnan Coweta Bancshares, Inc. PON SII oss sescvseccssscsncracwenesinnconevawsss 2 North Cascades: Bamcehares, Ene. ......0..0s.s0cescscecesscces 480 Huntsville Delaware Holdings, Inc. North Texas Bancshares of Delaware, Inc. Hutisford Community Bancorp, Inc. North Texas Bancshares, Inc. IBFC Nevada Corporation Northern Trust Corporation ..................+..+. 279, 478, 560 Ida Grove Bancshares, Inc. Northfield Bancorp, Inc. (Stock Holding Company) Independent Bankers Financial Corporation Northfield MHC (Mutual Holding Co.) Indiana United Bancorp Northrim BanCorp, Inc. Industry Bancshares, Inc. Northstar Financial Group, Inc Industry Holdings, Inc. Northview Financial Corporation Innes Street Financial Corporation Northwest Mutual Holding Company Innovative Bancorp Northwest Suburban Bancorp, Inc. ...............00000e s 95, 2 Inter-Mountain Bancorp, Inc. PURENEEY CERNE, eich ice cunnccenscslayrincicsvaarvse eyseersG s 630 Irwin Financial Corporation Norway Bancorp, MHC Israel Discount Bank Limited, Tel Aviv, Israel Old Florida Bankshares, Inc. Israel Sait Industries, Ltd., Atit, Israel Olney Bancshares of Texas, Inc. .............cceeeeeeeeeeees 753 J.P. Morgan Chase & Co. One American Corporation WINS oleae snancnwanne ngin ywkvaernxtaxna ecnes imetniweiabe ns 479 OSB Delaware Financial Services, Inc. JDOB, Inc. 38 OSB Financial Services, Inc. PARR oes Seng snc nnucnieotictnhw aepnh eca se 715 Oswego Bancshares, Inc. NN ia oc cance mennyanmnsenaiesieenlencvys ee: ame Oswego Community Bank Employee Stock Keneington Bankshares, Inc. ..............ccccccsvecessseess 789 Ownership Plan Kerndt Bank Services, Inc. Ottawa Bancshares, Inc. Lake Bank Shares, Inc. Employee Stock Ownership Overton Delaware Corporation Overton Financial Corporation A80_ Federal Reserve Bulletin December 2001 Bank Holding Company Act of 1956—Continued Bank Holding Company Act of 1956—Continued Applications approved under-—Continued Applications approved under—Continued PAB Bankshares, Inc. Sun Community Bancorp, Limited Pacifica Bancorp, Inc. Sunrise Capital Corporation 3 Palm Beach National Holding Company ................... 278 Sweetwater Financial Group, Inc. ............c.ec.e. ee.e.ee e 714 Paragon Commercial Corporation ...............0.+200eeee0s 561 SUMGVRE PRMMNCINE COI. oni i ceiscscsecccscccsscesceverseess 753 Peoples Home Holding, Inc. ...............00eeeeeeeeeeeeeee 714 Team Financial Employees Stock Ownership Plan PORE OI, BS oii ssn ccccrssevcncnecevevencvccwenss 427 IIS cyiaceversacunnssedecencencsvansstecdans 753 Persons Banking Company Texas Community Bancshares, Inc. .....................0065 428 Peterstown Bancorp, Inc. ..............0cceeeeeeeeeeeeeeeeees 39 Texas Financial Bancorporation, Inc. ....................... 357 Piedmont BankCorp Texas Heritage Bancshares of Delaware, Inc. .............. 790 Pine Island Bancshares, Inc. Texas Heritage Bancshares, Inc. ...............000eeeeeeeee s 790 PI IIR i.ckosc iaiedtincccsesserereeecesssetaceuns 753 TFC Holding Company Plymouth Financial Corporation ...................ee0s000+. 356 Thumb National Bank & Trust Company Employee PNC Financial Services Group, Inc. .............0.:000eeees Stock Ownership Plan and Trust ...................... 279 Popular International Bank, Inc., San Juan, Puerto Rico ... Timberland Bancshares, Inc. ................0ceeeeeeeeeeeees 630 Popular North America, Inc. Trafalgar Holdings, LLC Popular, Inc., San Juan, Puerto Rico TransCommunity Bankshares, Incorporated : Porter Bancorp, Inc. nan incccakeacohiaitiietanssadbvawbeteeney 630 Prairieland Employee Stock Ownership Plan Triple J Financial, Inc. Promistar Financial Corporation ...................eeeeeeees 2 Trust B Created Under Item V of the Last Will and POY I TIE. avisiasiccsaxceseysindceseieseciess 179, 279, Testament of John Rufus Williams Puget Sound Financial Services, Inc. TU COI ioe so ois cn iceccicceesecancsnevensae 355 Quad City Holdings, Inc. ......... 2.0... cccce cece ee eee ee eee es I iad aaicind rok ea ya Cadth ee sihuncnorescneneeseeneencs 96 Quinlan Bancshares, Inc. Union Planters Corporation Raton Capital Corporation Union Planters Holding Corporation IONE natescincansnnseciseratweensetnaheensices RE ON, RG nic vennecsccstssesdesincnssccrecencen Se Red Level Financial Corporation United Community Banks, Inc. ...........2.2.. c.ce.e.ee. e ee 790 Regents Bancshares, Inc. United Financial Holdings, Inc. ...... icepmaekevensuicgunsatinn eee Regional Bankshares, Inc. ...................cceeeeeeeeeeeees United Nebraska Financial Company Regions Financial Corporation ....................0006 279, United Security Bancshares Remada Financial Holdings, Inc. Urban Financial Group, Inc. Republic Bancorp, Inc., Owosso, Michigan Valley Bancorp Republic Bancorp, Inc., Louisville, Kentucky .............. Venture Bancshares, Inc. Republic Bancshares of Texas, Inc. ...............0e0e.eee e e I IIR a6 504 a thas beds-0don bance cence con conesen River Valley Bancorp, Inc. ..............sceeseeeeeeeeeeseees Virginia Capital Bancshares, Inc. PMI EY nas sivec osdiconsincisivinsaesariperseeries Virginia Financial Corporation RNB Corporation Waccamaw Bankshares, Inc. ................0.cccceeeeeeeees 428 Rockhold Bancorp Wachovia Corporation 179 Routt County Bancorporation, Inc. ....................00e0e s Washington First Financial Group, Inc. ..................... 561 Royal Bank of Canada, Toronto, Ontario, Canada Waukomis Bancshares, Inc. 279 Savings Bancorp, Inc. Wausa Banshares, Inc. Seacoast Financial Services Corporation WB Bancshares, Inc. OND IOI, BIG. 6 cvicsccnessantovecerasastecenntacsnvers WB&T Bankshares, Inc. Security Bancshares, Inc. ................0.ceeeeeeeeeeeeeees Wells Fargo & Company Shamrock Bancshares Employee Stock Ownership Plan .. Wells Fargo Financial Services, Inc. .....................00: SI III, TING: ave disccwescccsvcensvcssavaseuacisees a3 56 Oe POO PUMICE, FIG. oo ooo icc ca ccc ceceverescececetion Shelby Savings of Nevada, Inc. ................ccccceeeeeeee : Wesbanco, Inc. ............ LORNA Shore Bancshares, Inc. : Weat £2 Baemvorporation, nc... 50. scsieccsscieveccosees 790 a ncciv sana hasnsneasicnctaornmaubaeds 279 West Bad Fimencial Corp. .........ccccccccccccseccovsiscvecs 715 Somerset Hills Bancorp Westdeutsche Landesbank Gironzentrale, Sooner Southwest Bankshares, Inc. Duesseldorf, Germany South Plains Delaware Financial Corporation Western Bancorporation, Inc. South Plains Financial, Inc. ...................cceceeeeeeeees 789 Wewahitchka State Bank Employee Stock Southern Community Bancorp, Inc. ............... 96, 357, 427 MIPIM Seay tnans 0 sed ccncatensdadaiiacceaysceeens 561 Southern Connecticut Bancorp, Inc. .....................005 753 oe a RRENA Re Eee coe me a 630 Southern Development Bancorporation, Inc. ............... 559 Whitney Holding Corporation 40, 96, 754 Southwest Bancorporation of Texas, Inc. .................-. 96 POON on x cieshixcacucineksnstccunereicinecneseesc OG ET Southwest Holding Delaware, Inc. .....................2.55. 96 WJR Corp SouthwestUSA Corporation Woodford Bancshares, Inc. Spector Holdings, Limited Partnership Yankee Ridge, Inc. Spector Holdings Management, LLC YNB Financial Services Corp. ..............0..ccceeeeseeees 715 Spectrum Bancorporation, Inc. ....................200eeeeees Zia Financial Corporation Speer Bancshares, Inc. .........:..ccsccccccsesccecccccceccnns 714 Zions Bancorporation SSB Management, L.L.C. ................ccecccecceeccsecens 97 Zohar Hashemesh Le’ Hashkaot, Ltd., Tel Aviv, State Bank of Slater Employee Stock Ownership Plan .... 630 SI PING TRG. eos escccnccciesescaacsccssevsonsveaene 428 State Bank-Winfield Employee Stock and Ownership Orders issued under Plan & Trust PE ING ONG. een essccnscenrvocdeednsasessctnuiss 678-81 State National Bancshares, Inc. PN NT hd cater dinvanenaknteunes caaistccinsas<vaue 421-23 Sterling Bancorporation, Inc. .................2..2200005 357, 561 Arison Holdings (1998), Ltd., Tel Aviv, Israel 3 Sterling Bancshares, Inc. ..................00ceeeeeeeees 357, 561 Bank Hapoalim, B.M., Tel Aviv, Israel ................. 327-30 Stichting Administratiekantoor ABN AMRO Holding, BB&T Corporation Amsterdam, The Netherlands ......................0005 180 Canadian Imperial Bank of Commerce, Toronto, Stichting Prioriteit ABN AMRO Holding, Amsterdam, Canada NE IIR Sick cp ivusees veuvadssaesesessebesveces 180 CB&T Bancshares, Inc. Stockman Financial Corporation 39 Charles Schwab Corporation Sturm Financial Group, Inc. ....................020ee00es 40, 97 Chase Manhattan Corporation Summit Bank Corporation CIBC Delaware Holdings, Inc. ......................2005 678-81 Sun Bancshares, Inc. CIBC World Markets, Inc., Toronto, Canada Index to Volume 87 A8I1 Bank Holding Company Act of 1956—Continued Bank Merger Act—Continued Orders issued under—Continued Applications approved under—Continued Citicorp Fifth Third Bank, Indiana Citigroup Holdings Company Fifth Third Bank, Western, Ohio SE IIDy esiy'cx Cancun ar Kuuniee sey nucxciennen maces 600-24 First Farmers Bank and Trust Company Citizens Union Bancorp of Shelbyville, Inc. ............ 262-63 First Interstate Bank Countrywide Credit Industries, Inc. ..................... 419-21 First Penn Bank Countrywide Financial Holding Company, Inc. ......... 419-21 First Security Bank of Missoula Effinity Financial Corporation First Virginia Bank Pee I INS ap specs ceseciwscciesovenanteseaecseaas 346-49 First Virginia Bank-Colonial PO NY NR is cys secivaresecesvsncsupacswpacenyss SOUS First Virginia Bank-Hampton Roads .....................06 791 First Union Corporation 683-708 Friendship Community Bank Paret Western OCG, GNC. 20.20. cccnsecicasscasesasoers 681-83 Glacier Bank PRN CIO ois i sccidedicisiosneesivssanesecazces SOMO FleetBoston Financial Corporation ...................... 252-62 PEM TCOUUIOES, TNE. oii oes ssn sicesncscssesevecsces 34346 Friedman, Billings, Ramsey Group, Inc. ................ 34649 Grent Southern Bancorp, UC... ..... ccc scccccevccsecescesscs 266-68 Hapoalim U.S.A. Holding Company, Inc. Harrodsburg First Financial Bancorp, Inc. International Bancshares Corporation Israel Salt Industries Ltd., Atlit, Israel 27-: 41, 180-81, 358, J.P. Morgan & Co., Incorporated ..................0000008 76-90 480, 563, 755 Juniper Financial Corporation North Valley Bank Lea M. MicIitilant Trast i... ico cscccccecveseseesenseess SOROS Northern Neck State Bank MMF) PecicatcrmickisinesaccaSeiaiecksnyeedeadsocute 268-70 Peoples Bank and Trust Company Mitsubishi Tokyo Financial Group, Inc., Pioneer Bank I, IN coke kcunicuniuneuaGcwedsedacasbanscesauk 349-53 Money Management Associates (LP), Inc. .............. 346-49 Money Management Associates, Inc. ................... 346-49 PRS ONE isiiskinnctinasuaarcnnnsicaceuenShsaneeewaenerenaes 358 Money Management Associates, L.P. ................... 346-49 PURO III © 75.5002. 45.cuussa ceceawenseweonecemrenbaeeunee 563 Native American Bancorporation Co. ................... 747-S0 Provident Bank North Fork Bancorporation, Inc. Regions Bank Proeperty Benceleres, Ic. ..... .<.......00s.scssesencosns 264-66 Rockingham Heritage Bank Concent Commity Bacon, BAC. ou... soi ccceccersccsiviesssee e 30-36 Rolling Hills Bank & Trust Rock Merger Subsidiary, Inc. ..................sceeeeeeee 467-71 Security State Bank Royal Bank of Canada, Montreal, Canada 467-71 Security State Bank of Edgeley SERIE ies prone de Ne8SSodsaa Mates eess.kaueew serene Sky Bank-Mid Am Region U.S. Trust Corporation SouthTrust Bank UFJ Holdings, Inc. (In Formation), Osaka, Japan ...... 270-74 State Savings Bank of Manistique Wachovia Corporation 683-708 Sylvan State Bank Zohar Hashemesh Le’ Hashkaot, Ltd., Titonka Savings Bank Tel Aviv, Israel Valley Bank of Helena Bank Holding Company Act, financial activities Valley Independent Bank Bank Holding Company Supervision Manual FN a didnah cicaspeasncivadenexeitsteseenisnee e 358 Bank Merger Act Western Security Bank Applications approved under Zions Bancorporation Ist Financial Bank Orders issued under OP II a ciinn i onenuamennsdarencnnncsws .... 480, 716, PADI RNIN 53hrs iin eae KdaenSarenen nase ANAS RASA EERTS 275-76 Adams Bank & Trust Central State Bank Bank Independent Bank of Blue Valley Chase Manhattan Bank Bank of Chelsea Mcllroy Bank & Trust Bank of Colorado Old Kent Bank Bank of Louisville Old Kent Bank, National Association Bank of Pontiac Bank of Canada, swap facility augmentation Bank of Tazewell County Bank of England, swap arrangement Bank of Washtenaw Bank securities, testimony Big Sky Western Bank Bankers dollar acceptances table, discontinuance Capital City Bank in Federal Reserve Bulletin Centennial Bank of the West Banking organizations IE RINNE TIN iia55 vein ocgincseceacnunvacuaconsnaaecran ee Broker and dealer exemptions Central Trust and Savings Bank Loan-to-deposit ratios CANINE IN INO ies chicads icdccnatccadgenancsioeacnnse 563 Reform, recommendations Centura Bank Supervision of, article Chase Manhattan Bank Banking, on-line, regulation Chemical Bank and Trust Company Banks, small, economic performance, article Citizens First State Bank of Walnut Barger, Norah M., promoted to Deputy Associate Colonial Bank Director, Division of Banking Supervision Commercial Bank and Regulation Commercial Bank - California Basel Committee on Banking Supervision Commercial Trust & Savings Bank Bassett, William F., artiche: 0.0... .scesescocsasseves 367-93, 719-28 Compass Bank Biern, Herbert A., promoted to Senior Associate Dacotah Bank Director, Division of Banking Supervision English State Bank and Regulation F&M Bank-Maryland, Inc. .................ceceeeeeeeeeeees Bitler, Marianne P., article Falcon International Bank Board of Governors (See also Federal Reserve System) Farmers & Merchants Bank Bank Supervision and Regulation Division, restructure Farmers Bank of Mt. Pulaski Building purchase A82_ Federal Reserve Bulletin December 2001 Pages Pages Board of Governors——Continued Commercial banks Consumer Advisory Council Balance sheet developments ...................000eeeeeeuee 369-82 SE Dateriacdusvevcecanss sicknatansniananceeus 306, 453, 736 ME uteactipsereshohedereraxehensssscnieaserssnsiatsseemelakea e 374 New members . 453 I airs catnan custa cenn seein sedans vee yeas ia kae Oeeeee sete 374 Economic projections 106 IE crienisccrcseedes decmaxenccagucsuriacnheinencds 367-93 Index of orders and actions taken .......... 37, 277, 423-25, 712 Income and expenses, tables ...................000000e00++. 383-93 Information Technology Division, restructure ................. 219 Interest income and expense .........c.cc.c .ec.e .ce.ce. ee.e e es 376 Members International Operations ................ceeeeeeeeeeeeeeeeneneees 382 Ferguson, Vice Chairman Roger W., oath of office MEIN ctv Gdebesn ev Genes sicabaccusiarkwasserasuevs seakmee n 374 Kelley, Governor Edward W. Jr., intended resignation RM ak GHRs AGH iNacacdasocuaetcedensiuxeneescsiadsetsssmeees 370-74 Membership list, 1913-2001 2.0.2.0... ...cceceeeeeeeeeeeeeees JOS Noninterest income and expense ...............2c.e e.e0e 0ee 0ee e 378 Staff changes SEE ettacciiibhcsatanehanccnarGaeedesscsecesncaueperals 375 BE III: waanenidescncntesrictneessodiesioadaacensaus PIII Siacc iianan cons nach senarkanowecs o$a5aneeensiems 374 Community Reinvestment Act (CRA) 598 SE NEES sedienccncosavahserrsceavencesssatesinenedes Cémo puede un consumidor presentar una queja acerca INE, Sokcndecasscnsctucsnitineesisanesaekswencanh GF TE PI, CHOIRS on esc ccs cesecicsvsscccacecoseccnssesese 598 IE SS cncdnpnrcsasaiscoonsacabedsencesitehencthees Consumer Advisory Council Bouchard, Barbara J. DEE aonb edacasaracese>isveisacndspesccerstenees 306, 453, 736 NUE suuibiswcssarenenerswetocrnenarksceuwnndsaexas 219 New members . 453 EE ie cxc orccksssancegusannssaaeueienntsanterbunteante 67 Consumer protections for depository institution sales Desmond, Angela of insurance, amendment to . 27-30, 309 ROO, TOVREA. onc cscccccccccccncsiencrevsesoncvsess 219 Consumer regulations, web site IEW: aivcecescicscaccencsswasacaakeinscneecnsnes Consumer Rental Purchase Agreement Act, H.R. 1701 III os inkanenccsheecsesn teneeunasunneiwneniemn s MIEN bo Gor enctcunnnsesscctvhdostuareacacccoresaseete 586-88 Frierson, Robert GcVere .........ccscccccccceccccccsscesevees SIO Consumers Se IN OU Se ideseriecnccavssssuquopnuacevaceiniecs 67 Disclosures to . 308 I ose siiesanessesxsecarsicnsacenspaeheesoneren Protection rules, effective date extended ...................... 309 SI hndaacncesrinecunccenctceenxbemnehennieenwes Regulations for, web site 17 Jacowski, Mary Cross PCSOUICOE, TH SOMMER: ...... 62.00 cccrecccicccrcreccccseesenes 217, 598 IED pAsacnasudhererecenceeecutiacsneunceasenaiews Spending Kohn, Donald Corporate finances BR EE axkcteustenticaginticdoseoreesconncrncaupeneynenn Corrado, Carol, article ED ina o5boanvne hcuheeanehsieskdevinccencdvee es Tome SN NN noone ssc cnceeensanaveaccsundecnucees 571, 573 POE OR. eke ciccscesvaccavesnsercesscerssaetes 67 Credit card industry, testimony NI Sis cieisiedihscahhashioneboiescasveseutwinudes 219 Credit to small businesses 188. 190-94, 197-99, 448-51 PONE, BUND DE. eas scsicsccedcccdintccnecsevenenstoosess 219 Cross-border investment in securities, article .............. . 633-50 TEND coiecaiisasinciinskiceieausssesnceenshecesinas Tee NN INIED concedes esxdanis pavsidiencaeeserinesskuwits 486, 567-75 Richards, Heidi W. Customer information security IIE cis sriotcxdecasnatascenmecauedwaeseeunne d Shanks, Margaret McCloskey 125, 166, 522 PTI sabe psiensciconerssssrcactansicenrenesettens DeFerrari, Lisa M., article 47-57 SII I saensesninesensveccsae<vtdaickiasuvewersasd 219 Deposit account fees SE, HUN GPs snsccsicicseccsecccnesvenstssndedeanenesnd NN I re cavccsevecccnccuatdsdrencuvessutsubsinecamuuenn ane SE MENG ney thwsccerviverccsonsbcachinaseavexornnaes Depository institutions I-11, 63, 194 Wassom, Molly S. . Deposits, brokered and rate-sensitive, risks ...................... 413 EE Tle oekiddauesitviecsecesccodenensbanapeeascsousss EXCCRUONTPGS WONG oan ain esi secsnncxeecccsovssecnnceccsss 414 PINON cnceccckuesecccsntsncesdccrdveicensecdsaucsbus 662 Desmond, Angela, appointed Assistant Director, Division of Terrorist attacks, statements .................e0e0ec eeeeee e 661, 662 Banking Supervision and Regulation Directives, Federal Open Market Committee Bouchard, Barbara J., promoted to Deputy Associate Director, Division of Banking Supervision and Regulation Disclosure, market risk, guidance ..............c.ec0e. e.nu.ec e es 307 Disclosures, electronic delivery 102, 308, 598 Brady, Thomas F., article Discount rate, meeting Minutes ...........cc.c e.ce. ce.ce. e.ee. e es 775 Broker and dealer exemptions, banking organizations § NIE an dddauniidy ececsesanvseceresndursancaycasdasabenies 370 Discount rate, reductions ......... 161, 306, 412, 452, 661, 733, 735 Business sector, economic developments ..................... 110-13 Dollar, U.S., as global currency, article ....................08. 567-75 Businesses, small Domestic open market operations during 2000 Characteristics Domestic policy directives, FOMC 535, 544, Computer use 661, 670, 713, 744 Credit availability Drossos, Sophia, article Financial services, use of, article ECONOMIC DEVELOPMENTS, by sector Business 110-13, 508-12 CAPACITY UTILIZATION Financial markets .....................05. 104-06, 120-25, 519-22 CAE PUI, FIN ooiisscccicosvcrisscncsscsacensvosssvecteavesius 200 Foreign 115-17, 514 Capital adequacy framework, proposal to amend 167 Government 3-15, 512-14 IE EIN Slendsensicteckwavestssieacecskoxonsduastaentwone aun Household 107-10, 505-08 Capital, commercial banks ..................0.ccccccceeeceeeeeeees 374 Labor markets 117-19, 515-18 Central Bank Research conference ....................0eeeeeeeeee 306 Prices 117-19, 518 Century Date Change Special Liquidity Facility Economic performance of small banks, 1985-2000, Chairmen and deputy chairmen, 2002, article Federal Reserve Banks 735 Economy, U.S. Checkers Bank, The 17 Performance Checking account fees 3 PUR MNIIOIG oio.o.sa cscs ca cecacsvceveeccasebtacncaareans 284 Checking and savings accounts, use of by small businesses .... 188 Monetary policy reports ..... 103-31, 209-13, 213-16, 501-27 Clark, Tillena G., assigned Assistant Director, Division Projections 106, 503, 541 of Reserve Bank Operations and Payment Systems ........ 219 Testimony Cole, Roger T., promoted to Senior Associate Director, Edmondson, Wayne A., appointed Assistant Director, Division of Banking Supervision and Regulation Division of Information Technology ......................-. 219 Commercial and industrial loans ....................200eeeeeeeeee 379 Edwards, Gerald A., promoted to Associate Director, Commercial Bank Examination Manual 18, 455, 776 Division of Banking Supervision and Regulation Index to Volume 87. A83 Pages Pages Electronic Fund Transfers (Reg. E) ...... 217, 231-33, 306, 323-27 Financial subsidiaries, criteria needed to control Embersit, James A., appointed Assistant Director, Finder role, permissible activities for financial holding Division of Banking Supervision and Regulation CIE 5.65.0 civcnnraseuscecnansecavantenccnasnma wneuiaansi s 62 Emerging-market economies Fisher, Peter R., Executive Vice President, Federal Enforcement actions (See Litigation, Final enforcement Reserve Bank of New York, articles 149-53, 482-99 orders issued by Board of Governors) Flow of funds accounts, U.S., article Equity prices Foreign currency operations, FOMC authorization .............. 314 Euro Foreign exchange operations European Central Bank, swap arrangement Articles 149-53, 394-99, 576-81, 757-62 RUN NINOS ons con axe skoapnucccnkenstasnasiexodysuhsdeusibeeeucaes 287 Articles, discontinuance in Federal Reserve Bulletin Extensions of Credit by Federal Reserve Foreign official institution Banks (Reg. A) 169, 231, 417, 465, 747, 777 Foreign sector, economic developments ....... 115-17, 284, 524-27 Foreign transactions in 2000, article ...............eceeeeeee e e 283-94 FAULKNER, Ryan, article Frierson, Robert deVere, promoted to Deputy Secretary Feasibility and Desirability of Mandatory of the Board, Office of the Secretary Subordinated Debt, report Federal budget and fiscal policy, testimonies ...... 157-60, 298-301 GAGNON, Joseph E.., article Federal funds rate 306, 412, 452, 482, 494, Gonzalez, Henry B., Former Chairman, U.S. Banking 535, 661, 735, 773 Committee, statement Federal Open Market Committee Goods and services, trade developments ..................04- 287-90 Disclosure of procedures, modifications .....................5. 217 Government sector, economic developments ................. 113-15 Discount rate, reduction 161, 306, 412, 452, Gramlich, Edward M., designated as chairman, Air 535, 661, 735, 773 Transportation Stabilization Board Domestic open market operations, authorization ......... 313, 497 Gramm-Leach-Bliley (GLB) Act 406, 655, 737 Domestic policy directives 15, 482, 535, 544, Greenspan, Chairman Alan 661, 670, 713, 744 Statements Foreign currency directives ... .. 316 Arthur Levitt resignation Foreign currency operations, authorization ............... 314, 316 Ferguson, Vice Chairman Roger W., Jr., renomination .... 217 Meetings Henry B. Gonzalez Discontinuance of minutes in Kelley, Governor Edward W., Jr., resignation Federal Reserve Bulletin 671, 745 Paul, O'Neill, Secretary of the Treasury, nomination Minutes Testimony RE Ai ae picv achnccercencuiexcee Gsunvdvaactpvweevennt 20-25 PIONEER RE: siacaannracnadanie bdidwe tsheaabeeGantanseeenee n 767 Nov. 15 a Federal budget and fiscal policy SUN: MONEE hina k db scardocncdinsancncencetenetatsaeae s ane International trade and world economy January 30-31, 2001 REGUREY DONNY csicie scnesecsvevedanns 209-12, 213-16, 588-97 Mar. 20, 2001 Technological change and financial services ............... 215 May 15, 2 Terrorist attacks, effect on economy June 26-27, 2001 U.S. banking system Aug. 21, 2001 Griever, William L., article Schedule, 2002 Telephone conferences H.R. 1701, Consumer Rental Purchase Agreement Notation vote, Vincent R. Reinhart election PRN WINN tg deen ashe wun cl nnuliiegasuneencuvnet s 586-88 Reciprocal currency arrangements Hannan, Timothy H.., article Federal Reserve Act Hilton, Spence, article Federal Reserve Banks Hoffman, Stephen M., promoted to Associate Director, Chairmen and deputy chairmen, 2002 .................0e0ece e e 735 Division of Banking Supervision and Regulation PU IIE Lac cncinnenvebiwiatsateisiaeceussoeneecewbnileakceu s Holm, Charles H., appointed Assistant Director, Operating income Division of Banking Supervision and Regulation Federal Reserve System Home equity lines OF Credit .....60.0.000ssccceccccsssesecess 309, 373 Balances Home Mortgage Disclosure Act (Reg. C) Fees for Federal Reserve services to depository Houpt, James V., promoted to Associate Director, institutions, priced services ...............05. 15, 64, 736, 774 Division of Banking Supervision and Regulation Member banks, requirements for controlling subsidiaries .... 165 Household assets, debt, and loans ................ 372, 381, 436, 507 Fees of depository institutions Household sector, economic developments ................065 107-10 Fees, ATM, disclosure requirements ................eeeeseeeeeees 217 PRE SOORONIIE 5 orcascenansu cence cater biawehdaaueschboccabdes 506 Ferguson, Vice Chairman Roger W., Jr. Humphrey—Hawkins Report (See Monetary Policy Credit to small businesses, testimony Reports to the Congress) Nomination, testimony IEE cabccatiiare sae seer wans <otaoy cinkcew ent puaarsaeererune 598 IDENTITY THEFT, protection 412, 454 RNIN SONU co cn cameusregncleenenaskvaneeecesns 217 Identity Theft: Protect Yourself, video Financial activities permissible under Bank Holding NERS SUMIOR incisions co nceeanwansacdenndasnnsdinndsanancadhaonse s 289 Company Act , 163 Income and expenses, commercial banks ............... 376, 383-93 PNT SE IEE ani Sexcocaurednsdnnccysusaneqanhihwenenses 116, 514 Income, Federal Reserve Banks Financial holding companies Industrial economies Finder role activities Industrial production and capacity utilization Merchant banking activities ..................eeeeeeees 164, 405- ] 1 Procedures and permissible activities Discontinuance in Federal Reserve Bulletin .. 584, 653, 731, 765 IN IUD socio ss casciascidswoanyepysanncchemeanneds I IID x. yaasecccetnsseesoneesenessnvegenepsaneaneeen 137 Financial information, public disclosure Releases 12-14, 58-60, 154-56, Financial institutions 206-08, 295-97, 400-02, 442-44, Anti-money-laundering programs, guidance 528-30, 582-85, 651-53, 729-32, 763-66 Subprime lending programs, guidance Revision Financial management services, small business use Tables Financial markets, economic developments 104-06, 120-25, Information, protection of consumer 502, 504-26, 519-22 Insurance products, consumer protection rules ........... 27-30, 309 Financial services used by small businesses: Evidence Interest income and expenses, commercial banks .......... 376, 378 from the 1998 Survey of Small Business Finances, Interest on demand deposits and balances at Federal article 183-205 Reserve Banks, testimony ...............ssseeseeesesseees 301-05 A84_ ‘Federal Reserve Bulletin December 2001 Pages Pages Interest rates Litigation—Continued Commercial banks, tables ...................0000cceeeeeeeee 384-93 Final enforcement decisions and orders—Continued Financial markets ..............0..cscccsceccccsesecenes 121, 519-21 I IEE Ue. |N einanecenicensneshvabranieeciecntaseuws 19, 42 International Banking Act of 1978 Guaranty Bank 19 Orders issued under Guaranty Financial Corporation Abbey National Treasury Service plc, MER GtGhavetadtctcskiconerinwaasnrawainesvsaesn s 66, 99 EGRGON, ERQUARE ........ccccceccccnccccsesecncescess 750-51 SISTER ones han aceon. cnsckseesacaaaasibuednuneses 457 Banco de Bogota, S.A., Santafe de Bogota, D.E., Kann de Gouverneur, Nelly MED axuenadescuvensasiusanedcusivuscorseeceesves 552-54 Kingdon, Bruce Jeffrey Banco de Credito del Peru, Lima, Peru 708-10 Maryland Permanent Capital Corporation Banco Pastor S.A., A Corufia, Spain ............... 20600000. 555 Mcliroy Bank and Trust Bank Austria Aktiengesellschaft, Vienna, Austria ...... 556-58 New Century Bank Caja de Ahorros y Monte de Piedad de Madrid, Operation Casablanca Madrid, Spain People’s Bancshares, Inc. DePfa Bank AG, Wiesbaden, Germany Peterson, George J. Euroclear Bank, Brussels, Belgium Plante, Harvey Kookmin Bank, Seoul, Korea Rhon, Carlos Hank RHEINHYP Rheinische Hypothekenbank AG, Scott, Edward D. Frankfurt am Main, Germany ee UE RID Fins cn 75s ea sntwdcivexensduasnateadaks Société Générale, Paris, France Union Planters National Bank International Banking Operations (Reg. K) United Central Bank International USABancShares.com, Inc. Developments, monetary policy 127-31, 524-27 Valley Independent Bank Operations, commercial banks ...................0200eeeeeeeees 382 Index of orders and actions taken .................... 37, 277, 712 Trade and world economy, testimony Pending cases involving the Board of Governors, Transactions, article lists of 42, 98, 181, 280, Investment income 359, 429, 481, 564. Investments 632, 716, 755, 791 Equity, in nonfinancial companies Termination of enforcement actions issued by Board of WOE III Scie wae vcceesvcesientdcenetatcurtacencs 508, 509 Governors Securities across borders, article 633-50 Asahi Bank, Ltd. Written agreements approved by Federal Reserve Banks JACOWSKI, Mary Cross, promoted to Deputy Associate Ce I BGs sive nevexsnerresceases Director, Division of Banking Supervision Guaranty Financial Corporation and Regulation People’s Bancshares, Inc. Jennings, Jack P., promoted to Associate Director, USABancShares.com, Inc. Division of Banking Supervision and Regulation Loan-to-deposit ratios, banking organizations, report ........... Joint Central Bank Research Conference on Risk Loans PIII shind s va gaavencecacscciedccxesvnedeuceiravecians 306 Accounting and reporting guidance ..................0ceeeeeees 308 Business 370 KELLEY, Governor Edward W., Jr., intended resignation CEICNNE GUNG TAMRON go 5 oo ok ns. ee ncnescccesesevacnssses 379 Kohn, Donald, appointed Adviser to the Board, IEEE Sacbscdcereinstsiscabsddusksiusinennsatsordeseseste n 373 Office of Board Members ....................0000ccceeee0ee. 536 Household Kos, Dino, Executive Vice President, Federal Reserve Performance, commercial banks ....................00000ee0ees 379 Bank of New York, articles ........... 394-99, 576-81. 757-62 Syndicated Lopez, John, appointed Special Assistant to the Board, LABOR MARKETS, economic developments 117-19, 515-18 Office of Board Members Lampest, Riichacl J., anticke .........scccccscsscscscsccnsvesees 567-75 LAN equipment MADIGAN, Brian, appointed Deputy Director, LCBO Program Division of Monetary Affairs Lee, Gary A., article Martinson, Michael G., promoted to Associate Director, Leveraged financing, risks Division of Banking Supervision and Regulation . Levitt, Arthur, Securities and Exchange Commission, Marycz, Susan F., appointed Assistant Director, Division of resignation Beetee re 219 Liabilities, commercial banks ..................00.cceeeeeeeeeeeees 374 Massey, Raymond H., promoted to Associate Director, Litigation Division of Information Technology ......................4. 219 Final enforcement decisions and orders issued by Board of Member banks 165, 663 Governors Membership list, Board of Governors AmericasBANK Corp. ...............2ccceceesceeceesceeesees 738 1913-2001 PSIG Nanicnin<cbgsucerieriauresseescieresssnananos 19 Membership of State Banking Institutions in the Banca Serfin, $.A., Lomas de Sante Fe, Mexico Federal Reserve System (Reg. H) 169-70, 414, 673-678 Banco Internacional, S.A., Mexico City, Mexico Merchant banking activities 164, 405-11 Banco Nacional de Mexico, Mexico City, Mexico Meyer, Governor Laurence H.., testimonies Banco Santander, Madrid, Spain SY IND i ocoris ced xeccsxcbupusasancecencsscaseneoues 654-60 Bancomer, S.A., Mexico City, Mexico Interest on demand deposits and balances at Bank of Ephraim SE 301-05 Bank of Greenville Merchant banking activities I INI hex eaais-ndscvencenssccnsnsevsseeusocrnceebadee ee Real estate brokerage and management Bankers Trust Company .................0ceeeeeeeeeeeees 359-65 NN MID io oodx cence asnskrannacescessusinzacpecsne 126, 523 SD NM TRUE oecencanahersscierisivensssiscscencexel 99-100 Monetary policy reports to the Congress ........... 103-31, 209-12, NI Satixchacnevesdevasinenessinpidesubornndensnons 309 213-16, 501-27, 588-97 Caisse Nationale de Crédit Agricole, Paris, France .... Money stock data, revision .................ccceeceeeeeeeeeeees 2 Commercial and Savings Bank of Millersburg Mortgage ioans, diclosure requirement Crédit Agricole Indosuez, New York, New York Crédit Agricole Indosuez, Paris, France NOW account fees RII aos vacsvaensssaiedderssnaesibivawasveenins First Community Bank ................2...20ceeceeeeeeeeees 309 O'NEILL, Paul, Secretary of the Treasury, nomination Fonkenell, Guillaume Henri Andre ................ 310, 359-65 Goglia, Kenneth Oil prices in 2000 Index to Volume 87 A85 On-line banking, regulation Spaniel, William G., appointed Assistant Director, Open market operations ...............0cceeeeeeeen s 482-99, 522, 533 Division of Banking Supervision and Regulation Opportunities and challenges of the U.S. dollar as an Spanish-language consumer resources increasingly global currency: A Federal Reserve Stanton, Kristin D., article IIL INU anak ish ocean cpsaevesusacevesewereve 567-75 State and local government spending State member banks, financial subsidiaries rule PALMER, David E.., article Statements to the Congress (See Testimony of Federal Payments system risk policy Reserve officials) Personal information, access to Stop-payment order fees Priced services for depository institutions, Subordinated debt, report proposed calculation Subprime lending programs, guidance Prices, economic developments 117-19, 5 Supervision, large banking organizations Privacy Act Survey Of Compania? FIWaCOS ors. sssscccsscovcessicaseveevessenas 453 Privacy, consumer information 166, 308, Survey of Small Business Finances .....................00000: 448-51 PRORRSEA, COMMONCIRL TOKE 05. ociseccsccccacrsavecsvecssasscss SID Sussan, Sidney M., promoted to Adviser, Division of PRs COU CUI ooo 5 ina on nae scesncecvegesixssaeasinsyes 307 Banking Supervision and Regulation Publications Swap arrangements I I iki cn ok csiade cankwe agian ae eumnantoananee 536 Syndicated loans Annual Report: Budget Review, 2001] ..............000000000++ 536 Bank Holding Company Supervision Manual 455 TEPLIN, Albert M.., article Commercial Bank Examination Manual 776 Terrorist attacks, effect on economy When Your Home is on the Line: What You Should Know Testimony of Federal Reserve officials about Home Equity Lines of Credit, brochure ........... 309 Bank securities (Governor Meyer) Consumer Rental Purchase Agreement Act, H.R. 1701 REAL ESTATE (Dolores S. Smith, Director, Division of Brokerage and management, testimony Consumer and Community Affairs) .......... 586-88, 646-8 Financial holding companies, services .....................0005 65 Credit card industry (Dolores S. Smith, Director, SR a a ee Sat) A neem m mente UR Division of Consumer and Community Affairs) 769-72 Reciprocal currency arrangements, Federal Open Credit to small businesses (Vice Chairman Ferguson) .... 448-51 Market Committee Discontinuance in Federal Reserve Bulletin 5 Regulations, Board of Governors (See also Rules) Economy, U.S. (Chairman Greenspan) A, Extensions of Credit by Federal Reserve Banks ..... 169, 231, Federal budget and fiscai policy 417, 465, 747, 777 (Chairman Greenspan) 157-60, 298-301 . Home Mortgage Disclosure 17, 63, 75 Ferguson, Vice Chairman Roger W., nomination :, Electronic Fund Transfers ................... 217, 231-33, 276, (Vice Chairman Ferguson) 306, 323-27 Financial holding companies and merchant banking . Membership of State Banking Institutions (Governor Meyer) in the Federal Reserve System 169-70, 414, 673-78 Interest on demand deposits and balances at Federal . International Banking Operations Reserve Banks (Governor Meyer) ...........-......45 301-05 /, Federal Reserve Act, Sections 23A and 23B International trade and world economy , Bank Holding Companies and Change (Chairman Greenspan) in Bank Control 64, 75, 170-77, 417-19 Monetary policy (Chairman Greenspan) ......... 209-12, 213-16, . Truth in Lending 588-97 Reinhart, Vincent R. Real estate brokerage and management Appointed Director, Division of Monetary Affairs ............ 536 (Governor Meyer) Election vote to Federal Open Market Committee Terrorist attacks, effect on economy Reserves, required (Chairman Greenspan) Residency, concept regarding investment U.S. banking system (Chairman Greenspan) ............... 532-34 Residential mortgage originations, correction, table 4.411 Thrift Institutions Advisory Council 61 Richards, Heidi W., appointed Assistant Director, Trade deficit, U.S. .......... 287-90, 514 Division of Banking Supervision and Regulation Trade, goods and services 115, 287-90 Risk measurement, conference Treasury and Federal Reserve foreign exchange operations Robb, Alicia M.., article Articles 149-53, 394-99, 576-81, 757-62 Rules, final Discontinuation in Federal Reserve Bulletin Bank Holding Companies and Change in Bank Control Truth in Lending (Reg. Z) (Reg. Y), amendment to 170-77 Consumer protections for depository U.S. BANKING system, testimony ...............0ceeeeeeeees 532-34 institution sales of insurance .................seeeeeeees 27-30 U.S. flow of funds accounts and their uses, article Privacy Act U.S. system for measuring cross-border investment Ryback, William A., promoted to Senior Associate Director, in securities: A primer with a discussion of recent Division of Banking Supervision and Regulation developments, article ROT SUMINDEE sah caurcveavccokeqcesenssverseneedasesesantetuus ee INE SOD os aa sunsec chose cancterssusacdgishomnbenns 5 SCMWTE, KTISIR, QUTICIOS 2... cc ccccccecccacccencsecs 394-99, 576-81 VIDEO Securities Identity Theft: Protect Yourself I rained anwunsnsrentnesncicnes-cqasaaimentsenanaeen s 374 Bank, interim rules WARNOCK, Francis E., article PNT II oo gins iceas db inedkdwashavndbakekvasesneeieene 374 Wassom, Molly S., promoted to Associate Director, Investment, cross-border Division of Banking Supervision and Regulation Shanks, Margaret McCloskey, appointed Assistant Web sites Secretary of the Board, Office of the Secretary ............ Consumer regulations Small banks, economic performance, article Students, educators, and general public Small businesses (See Businesses, small) When Your Home is on The Line: What You Should Small, Richard A., promoted to Deputy Associate Director, Know about Home Equity Lines of Credit, brochure ....... 309 Division of Banking Supervision and Regulation WI, SE TA, ENON i visioc neniveeaddecetiscdencocnrsruns 183-205 Smith, Dolores, Director, Division of Consumer and Wright, David M., appointed Assistant Director, Community Affairs, testimony Division of Banking Supervision and Regulation Smith, Michelle A., appointed Assistant to the Board, Office Of Board Members .........0..ccsevescsvecsssecenaens 219 ZAKRAJSEK, Egon, article .............scecseceeeeeeeeeeeees 367-93

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