Table Of Content

Table of Contents PREFACE ARTICLES Recent Changes in U.S. Family Finances: Evidence from the 2001 and 2004 Survey of Consumer Finances pee ey y Brian K. Bucks, Arthur B. Kennickell, and Kevin B. Moore March 22 Industrial Production and Capacity Utilization: The 2005 Annual Revision Kimberly Bayard and Charles Gilbert March 16 Understanding U.S. Cross-Border Securities Data ty Carol C. Bertaut, William L. Griever, and Ralph W. Tryon May 4 Profits and Balance Sheet Developments at U.S. Commercial Banks in 2005 Elizabeth C. Klee and Gretchen C. Weinbach June 14 Credit Card Disclosures, Solicitations, and Privacy Notices: Survey Results of Consumer Knowledge and Behavior Thomas A. Durkin August 7 Higher-Priced Home Lending and the 2005 HMDA Data. Robert B. Avery, Kenneth P. Brevoort, and Glenn B. Canne September 8 Financial Services Used by Small Businesses: Evidence from the 2003 Survey of Small Business Finances Traci L. Mach and John D. Wolken October 24 REPORTS ON THE CONDITION OF THE U.S. BANKING INDUSTRY Third Quarter, 2005 May 2 Fourth Quarter, 2005 October 18 LEGAL DEVELOPMENTS Fourth Quarter, 2005 March 22 First Quarter, 2006 July 13 Second Quarter, 2006 August 21 Third Quarter, 2006 December 22 Index A Societe Generale, Paris, France C113-16 Articles SVMOUUE PUI CORED. access esevevenescceasevecncesoass C96—100 Credit card disclosures, solicitations, and privacy ROD CIN BIR, a5 ixn.cxsc cenvonicn camiianemedakansacoionh C100-108 notices: Survey results of consumer knowledge Toronto-Dominion Bank, The, Toronto, Canada C100--108 and behavior A109-21 Treetops Acquisition Group II LP, Grand Cayman, Financial services used by smali businesses CII oss eriase vaescneanonsensieeeiaaneanees C4649 Evidence from the 2003 Survey of Small Treetops Acquisition Group II Ltd., Grand Cayman, Business Finances ..... ; A 167 -95 CIE UO sn soio5 0a schccctasssenteenieesetesssovenss C4649 Higher-priced home lending and the 2005 HMDA Treetops Acquisition Group LP, Grand Cayman, data .. A123-66 GNM SENOUEE ho nictsicancciivienrpabciacataeeteceeaes C4649 Industrial production and capacity utilization: Treetops Acquisition Group Ltd., Grand Cayman, The 2005 annual revision ..... A39-58 CI I ss oven csuiccxecsnvsasemnesuccencusseee C4649 Profits and balance sheet developments at U. S. Trustmark Corporation commercial banks in 2005 ..... é Wachovia Corporation Recent changes in U.S. family finances: Whitney Holding Corporation Evidence from the 2001 and 2004 Survey of Zions Bancorporation Consumer Finances ............ vi Al-38 Banking industry, U.S. Understanding U.S. cross-border securities data ... A59-75 Profits and balance sheet developments Assets Reports on condition of Commercial banks ...... A77-108 Bankruptcy law, new, effect on credit card loans ................ A89 Family, 2001 and 2004 surveys A10-25 Bayard, Kimberly, article Avery, Robert B., article A123-66 Bertaut, Carol C., article Bucks, Brian K.., article B Business sector, loans to Balance sheet developments, commercial banks ......... , A79-87 Businesses, small Bank Holding Company Act of 1956, orders issued under III <5 ss ask dnceouadunasasucasebahebes A169-73, A188-89 ABC Bancorp os Ci-5 Financial services, use of, article A167-95 Arison Holdings (1998) Ltd., Tel Aviv, Israel .. -.C I-13 Banco Latinoamericano de Exportaciones, S.A., Cc Panama City, Republic of Panama . C149-50 Banco Santander Central Hispano, S.A., Madrid, Canner, Glenn B.., article PE tics csasak cagesticnsensies tf .. C151-55 Capacity utilization (See Industrial production and Bank Hapoalim, B.M., Tel Aviv, Israel Cill-1 capacity utilization) Bank of America Corporation .... . CS5-14 Capital, commercial banks’ Bank of Montreal, Montreal, Canada C14-19 Checking and savings accounts, use of by small BB&T Corporation veeeeeee C116-21, C143-49 PION <3xxsconarscnsaceiee caboncecesa+seebasecnaieiane A186 Cam-Discount, Ltd., Grand Cayman, Cay man Commercial and industrial (C&I) loans ................ A79-80, A93 Islands . Scueaawed’s C46—49 Commercial banks Cathay General Bancorp . C19-24 Balance sheet developments Compass Bancshares, Inc. C65-70 Capital .... Compass Bank aaaaaen C65-—70 Condition of U.S. Banking Industry Deutsche Bank AG, Frankfurt, Germany . C54—57 ON I iii sninsenssicesse.nhoeinehageasi e A86-87 Edgar M. Bronfman IDB Trusts A through G, Income and expomnes, tables .............scccccessescsesee A98-108 Quebec, Canada ............. Sous . C4649 Interest income and expense Federation Nationale du Credit Agricole, Paris, CE OE A95-96 France . C159-64 Liabilities 84 First National Bank Group, Inc. C164—67 Loans and performance Fulton Financial Corporation oe .. C70-74 Non-interest income Glacier Bancorp, Inc. ................... . C167-71 Non-interest-bearing instruments ..................seeeeeees A106-8 Hudson Valley Holding Corp. ............ . C24-29 Profitability Huntington Bancshares, Incorporated . C74-79 Securities holdings Israel Salt Industries Ltd., Atlit, Israel . C111-13 I PNIE 6 enisaintadndsnunnsarnseseestoossnesieveeetaenia A95 JPMorgan Chase & Co. 57-59 Commercial real estate loans Juniata Valley Financial Corp. .............ssssccccssess ..C171-75 Condition of U.S. Banking Industry M&P Community Bancshares, Inc., 401(k) Employee Consumer finances, comparison of 2001 and 2004 Stock Ownership Plan surveys on Marshall & Isley Corporation .................. C79-83, C121-28 Consumer knowledge and behavior regarding credit card National City Corporation C83-87 disclosures, solicitations, and privacy notices, I NN foo ana cdennieeescess'saesdamkargnoues ... C29-33 New York Community Bancorp, Inc. ............ C33—37, C88-92 Credit (See Loans) New York Community Newco, Inc. ..................... ... C88-92 Credit card disclosures, solicitations, and privacy notices, Passumpsic Bancorp C175-79 survey results of consumer knowledge and behavior, Penn Bancshares, Inc. SAS Rue La Boetie, Paris, France Credit card loans Sey PUMOMGIN GHIOU, TRS, 050.0 cscscscvesssceces C4246, 92-96 Delinquency on D2 ‘Federal Reserve Bulletin () 2006 Disclosures, solicitations, and privacy notices: Survey International Banking Act of 1978, orders issued under; results of consumer knowledge and behavior Litigation, final enforcement decisions) Family finances, 2001 and 2004 surveys of Liabilities Small businesses, to Commmecceal Gemks: ..................:.. Standards, tightening of Family, 2001 and 2004 surveys ...... Credit card processing services, use of by small US. securities, estimates businesses A179-80, A182-84, A186 Litigation, final enforcement decisions Cross-border securities data, article AS9-75 Credit Lyonnais, S.A., Paris, France .. C139-41 First North American National Bank ... .. C137-38, C139 D Moseri, Oyeacholem . C137-38, C139 Derivatives holdings, banks’ Peyrelevade, Jean C139-41 Disclosures, credit card, survey on Loans Durkin, Thomas A.., article NN coc icochossinvansdbosseciunceecnnse .. A89 MINED casemucingniecavasegravesss : E Commercial and industrial A79-80, A93 Enforcement actions (See Litigation, final enforcement decisions) Commercial bank A79-84, A92-95, A98-106 Commercial real estate F Credit card (See Credit card loans) Household . A81-83, A94-95 Family finances, U.S., 2001 and 2004 Survey of Consumer Hurricane-affected banks, delinquency and charge-o ff Finances, article NE ci cuciaheeh inaewaaknne eche ncs , .... A88 (See also Households, loans to) Loss provisions for jad aensnncos en ne Federal Reserve Act, order issued under Mortgage (See Mortgage loans) Citizens First State Bank of Walnut EMER cbcddasicanakantadeaswavcdanwivseneeanuawse s A92-95 Financial services used by small businesses: Evidence Securitized A95 from the 2003 Survey of Small Business Finances, UID cicictibunbintecavcvuuesers AI78, ‘A180-83, A186-87 Foreign investments (See International investments) M G Mach, Traci L., article Gilbert, Charles, article Moore, Kevin B., article Griever, William L., article Mortgage loans Commercial banks, profit and balance sheet H developments A77-78, A81-83, A94 Family finances, 2001 and 2004 surveys of ............... 1A 26—34 Home Mortgage Disclosure Act (HMDA) data and Higher-priced, Home Mortgage Disclosure Act data .... A123-66 higher-priced home lending, article Small businesses, to A173-75, A178, A182-83, A186—87 Home Ownership and Equity Protection Act HOEPA) A133, Al46—47 Households, loans to A81-83, A94-95 P (See also Family finances) Privacy policies, comsumer credit ...............ssssescseees A118-21 Production (See Industrial production and capacity utilization) I Profits and balance sheet developments at U.S. commercial Income ID i A MID occ cceicnetsscdcciesvnccencsssensved A77—108 Commercial banks, Federal Reserve Banks .............. A98—108 Profits at commercial banks .. A87-95 Family, 2001 and 2004 surveys Industrial production and capacity utilization, annual R revision, 2005, article Real estate loans, commercial Revision results Regulations, Board of Governors Tables C, Home Mortgage Disclosure A123-26, A142-47, A152, Technical aspects of the revision A165-66 Interest income and expense, commercial banks ............. A90-91 IE III dsc crveaxcsuidvcdsnacessasacined A110-11, All4 International Banking Act, orders issued under Reports on the condition of the U.S. meee meni Banco Latinoamericano de Exportaciones S.A., Panama Fourth quarter weeeeee. BU-11 City, Republic of Panama Third quarter eneeey Banco Popular Espanol, S.A., Madrid, Spain Retirement accounts, ownership of, 200! and 2004 Bank of the Federated States of Micronesia, Kolonia, surveys of family finances ........... .... Al0-14, A16—17 Pohnpei, Federated States of Micronesia Caja de Ahorros de Galicia, Caixa Galicia, A Coruna, S Caja Sdpea iAnh orros del Mediterraneo, Alicante, Spain ...... Securities Calyon, S.A., Paris, France Commercial banks’ holdings of ....... ihinedoeackeaienekacaleee Foreign holdings of U.S. securities .... AS9-75 Deutsche Genossenschafts-Hypothekenbank AG, Small businesses (See Businesses, small) Hamburg, Germany Solicitations, credit card stovecvoussec SERS International Commercial Bank of China Co., Ltd., The, Taipei, Taiwan Survey of Small Business Finances (SSBF) weveeee AL67-95 Kreditanstalt fur Wiederaufbau, Frankfurt, Germany. Survey of Consumer Finances, 2001 and 2004 ................ A1-38 Lloyds TSB Offshore Limited, St. Helier, Jersey Taiwan Cooperative Bank, Taipei, Taiwan T International investments, cross-border Treasury International Capital (TIC) International operations, U.S. commercial banks IT Sintec aendoe aunagunhen is<estck s caper eaee .. A62-68 ESE ee : A60-61 K Truth in Lending (Reg. Z) ... AI10-11, Al14 Kennickell, Arthur B., article Truthi n Lending Act ...... A1O9-11, All4 Klee, Elizabeth C., article Truth in Savings Act veaeees Oe Tyron, Ralph W., article . A59-75 L Legal developments Ww (See also Bank Holding Company Act of 1956, orders Weinbach, Gretchen C., article .............. A77-108 issued under; Federal Reserve Act, order issued under; Wolken, John D., article ................. , Beers A167-95