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7\^ ~h^ ‘ ‘fy,.-,-'*- _ 71i https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis L^f~ ' BANKS WITHDRAWING FROM THE FEDERAL RESERVE SYSTEM (Fourth Quarter, 1977 and First Six Months, 1978) Bank/Address Date of Withdrawal Total Assets as of 12/31/77 ($ millions) Clark County National Bank of Winchester 24 W. Lexington Ave. , Box 97 Winchester, Kentucky 40391 04-04-78 $ 38. 8 Valley National Bank of Huntington 2883 Fifth Ave. , Box 1388 Huntington, West Virginia 25712 04-29-78 18.3 Peoples National Bank of Hancock 6 E. Main Street Hancock, Maryland 21750 04-01-78 10. 8 Citizens National Bank of Lawton 1420 Lee Boulevard, Box 888 Lawton, Oklahoma 73502 04-03-78 16. 2 First National Bank of Stanwood Stillaguamish Market & Main, Box 5 88 Stanwood, West Virginia 98292 04-28-78 26. 1 Banco de Santander-Puerto Rico, NA 207 Ponce de Leon Avenue, Box 2139 San Juan, Puerto Rico 00919 03-31-78 83. 7 State National Bank of Lincoln 508 Broadway, Box 338 Lincoln, Illinois 62656 05-01-78 36. 9 Southern Illinois National Bank 6701 North Illinois, P. O. Box 2057 Fairview Heights, Illinois 62208 05-15-78 39.0 Montgomery National Bank of Mt. Sterling Main & Bank Streets, Box 326 Mount Sterling, Kentucky 40353 06-30-78 20.6 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis -2- Bank/Address Date of Withdrawal Total Asse as of 12/31/ ($ million) United Missouri Bank of Carthage NA 300 Grant, P. O. Box 876 Carthage, Missouri 64836 06-15-78 $ 39. 8 United Missouri Bank of Warrensburg NA 101 N. Holden Street, P. O. Box 27 Warrensburg, Missouri 64093 06-20-78 27.9 Citizens National Bank & Trust Company of Baytown 315-319 W. Texas Ave. , Box 150 Baytown, Texas 77520 06-01-78 84.4 First National Bank of Good Thunder Box 68 Good Thunder, Minnesota 56037 06-12-78 4.5 Hot Springs National Bank 601 Broadway, Box 872 Truth or Consequences, New Mexico 87901 06-02-78 21. 8 Peoples Bank & Trust NA 2674 W. Jefferson Ave. , P. O. Box 415 Trenton, Michigan 48183 06-01-78 158.2 Marion National Bank 402 S. Washington Street, P. O. Box 449 Marion, Indiana 46952 05-26-78 81.3 State National Bank of Wynnewood Box 367 Wynnewood, Oklahoma 73098 06-01-78 5. 8 Exchange National Bank of Clyde Box 9 Clyde, Kansas 66938 06-01-78 6.7 First National Bank of Nortonville Nortonville, Kansas 66060 06-01-78 5. 0 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis -3- Bank/Address Date of Withdrawal Total Assets as of 12/31/77 ($ million) United Jersey Bank/Northwest 15 W. Blackwell Street Dover, New Jersey 07801 04-01-78 $120. 1 United Jersey Bank/Central 288 North Broad Street Elizabeth, New Jersey 07207 04-03-78 103. 1 Southside Bank Box 1005 Tappahannock, Virginia 22560 04-20-78 35. 1 International State Bank 200 S. 2nd Street, Drawer 1028 Raton, New Mexico 87740 04-14-78 32.4 Bank of Chenoa Chenoa, Illinois 61726 04-01-78 21.2 Peoples Bank & Trust Company 300 Washington Ave. , Box 247 Grand Haven, Michigan 49417 05-12-78 81.3 Farmers & Merchants Bank Box 23 8 Christianburg, Ohio 45389 06-29-78 4. 6 Lewistown Trust Company 100 E. Market Street, Box 270 Lewistown, Pennsylvania 17044 06-29-78 25.7 Yamhill County Bank McDaniel Lane & Hwy. 99W, Box 430 McMinnville, Oregon 97128 06-16-78 3.7 Bank of Suffolk County Main Street, Box Z Stony Brook, New York 11790 06-01-78 87. 1 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis -4- Bank/Address Date of Withdrawal Total Assets as of 12/31/77 ($ million) Citizens State Bank Clarinda, Iowa 51632 01-20-78 $ 27.4 Stutsman County State Bank 401 1st Ave. S, Box 881 Jamestown, North Dakota 5 8401 01-17-78 18.2 Jennings Bank Box 10 Jennings, Kansas 67643 01-01-78 3.9 Thornton Bank Main & Cherry, Box 304 Nevada, Missouri >64772 01-19-78 18. 1 First Bank of Deer Park 1601 Center Street, Box 340 Deer Park, Texas 77536 01-27-78 13.5 Western Bank 219 E. Camp Widsom, Box 460 Duncanville, Texas 75116 01-20-78 17.2 Peoples State Bank of Holland 32-38 E. 8th Street Holland, Michigan 49423 03-27-78 93.2 Peoples State Bank 14 Main Street, Box 86 Bloomer, Wisconsin 54724 02-10-78 20.6 Home State Bank Box 125 Trent, Texas 79561 03-06-78 1.3 First Peoples Bank of New Jersey MacArthur Drive & Cuthhert Blvd. P. O. Box 300 Westmont, New Jersey 08108 03-21-78 760. 5 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis -5- Bank/Address Date of Withdrawal Total Assets as of 12/31/77 ($ million) Beloit State Bank 500 E. Grand Ave., P. O. Box 998 Beloit, Wisconsin 53511 12-08-77 $ 95.2 Community Bank of Beloit 1800 Beloit Plaza, Box 236 Beloit, Wisconsin 53511 12-09-77 9.7 First Bank of Edna 102 N. Wells, Drawer 310 Edna, Texas 77957 10-03-77 18. 7 Peoples Security Bank of Maryland 4809 Suitland Road Suitland, Maryland 20023 11-01-77 135.4 The Bank of Commerce & Trust Co. 201 W. Harvey, Box 529 Wellington, Kansas 67152 11-01-77 8.3 City Bank and Trust Company 1400 S. Oliver Wichita, Kansas 67218 11-01-77 25. 8 First Kansas Bank 1st & Main Street, Box 420 Hoisington, Kansas 67544 11-03-77 10. 5 Evansdale State Bank 3511 Lafayette, Box 300 8 Evansdale, Iowa 50707 11-21-77 7.3 State National Bank Box 275 Depew, Oklahoma 74028 12-01-77 1. 1 First Bank of Ceredo Box 607 Ceredo, West Virginia 25507 12-14-77 52.0 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis August 23, 1978 CONSENSUS OF THE GOVERNMENT RELATIONS COUNCIL REGARDING SOLUTIONS TO THE FEDERAL RESERVE'S MEMBERSHIP PROBLEM J The Government Relations Council voted today to maintain ABA's position that the mos^desirable solution to the Federal Reserve's membership problem is*-£^reduc^Fed_^eserve_jequiremen^^ reserve ranges sharply. *'-^77oncept^f anv form o£ universal reserve^q.uirement^was ^ejected. Instead, the Fed's existing reserve setting authority should b^KZLed to cover transaction accounts at_all^deralX^-Chartexed depository institutions (including credit unions), as well as S&Ls which are members of the Federal Home Loan Bank Board. Present legislative proposals which would establish universal reserve requirements for banks over a certain size ($50 million in deposits in one case, $100 million in annthPrfenld_cauge_a rela-tively small nunjberof large banks to pay ffet'ofjed seryLC.es—to all_American_banks^ This could cripple , y^^ZZZ^Sng sys^TTTd the dual banking system; it also (^4 could create de facto a single super-regulator forjgnks. The Council again expressed the belief that the payment ^interest by the Fed on required reserves it holds is desirab^, if interest payments made~onT~uniform basis toj.ll banks inydyed.^aHsti^ricina^ Fed services (on a schedule reflecting the Fed's full costs of providing such~~seryices) also is desirable. However, the Council recog_nize^that the present political^ environment makes such changes_unlikgly. Legislative proposals which reflect the Council's approach to the Fed's membership problem would be supported by ABA, though the specific elements of s.uch proposals remain to be fully analyzed. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM From: KEN GUENTHER ( ) Per Conversation ( ) For comments and suggestions { ) For your information ( ) Phone me re attached https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis ( ) Over H,v o°f RePre6eQt&tIves of the United ndmf,. » ♦ Secr!tary or Transportation, the lLator ol the Federal Railroad AdH.R. 2852. An act to amend the Internal ™l'u^ratlon. and the Iowa Representatives ^Vhe11^ °f 1954 tO Pr°vlde that and Senators In Congress. shall be^lW gafi°lkle and speclaI fuels Cochran’ Speaker of the d^A^thUr A' Neu' fTeeldent of the snail be made to aerial applicators ln cer tain cases (Rept. No. 95-1170) n!p aUd Davld Wray, Chief Clerk of toe House and Kevin P. Light, Secretary of “t^ree^(nate2lereby CCrtify that Ule abound loregoing Resolution was adopted by the Representatlyes and the Sen^te^f Second, promote greater competitive ^ThtoJ ^t*6611 financial institutions; Thud, enhance the safety and sound ness of the banking system* the e®Uency of the pTfth Reserve Payments system; and re^nues 1OSS in Treasury I am introducing this bill primarily for discussion purposes and in an effort to Sith^to 6 Senate Bankjng Committee Hith a lower cost alternative to the variPOM-782. A resolution adopted by the Nabeen Tdember‘Lhip proposals that Lave tln^reTn1^ ?Upply Hnprovement Associa &^«vanced- 174656 ,nclude the orig tion rdatlng to reauthorization of the Fedintroduction op bills and inal Fed proposal, S. 3304 whicli I in JOINT RESOLUTIONS pr°Bram: the Commutee on_?“vlroni“ent and Public Works. b?sSorrBr<!t'U''St' S 3461 lntrod“ed The following bills and joint resolu . y senator Brooke, and H.R. 13847 int Jr.Mr783' A, Jolnt resolutlon adopted, by toe cSutteA ™ ® Stat® °f Callf°rnla; the tions were introduced, read the first 2jduced by Congressman Reuss to vommlttee on Finance; time and, by unanimous consent the gether with the changes to that bill "Assembly Joint Resolution No. 92 second time, and referred as indicated recommended by the Federal Reserie "Whereas. California’s unique envlronBy Mr. PROXMIRE: Board and by the staff of the House S. 3485. A bill to amend the Federal rip btoed Vo? enterPrlalng farmers have comBanking Committee. SiVn nVT: f°r ma‘nteiXe i b^®d 1 < .1 tal ^‘cultural production In mSto<rIl0USo ?anking Committee is eX»«^t Ot Dlne blll,on dollars; and Snnn nA ' to faciI,tale the implemen aerl^n?.^’ Callf°rnla Produces over 200 tation of monetary policy, to promole com Sssh??thP September 7 to begin disagricultural commodities and Is uniaue petitive equality among depository tostltu the Sennto n membership issue and rim°nE tVe 6tatGS ln the d‘verslty of Its Ag tlone. requlre the imposition Fof service scheriuS?! Banking Committee has ricultural production; and andT/mherVlCeS by Federal Reserve banks scheduled a corresponding mark-un on ‘'Whereas. Exports of California’s agricul nAdnf . tber Purposes; to the Committee 19 and 20 While 1 am‘rea tural products generate over 80,000 Jobs and on Banking, Housing, and Urban Affairs sonably flexible on the details of anv p™vlde a favorable balance of trade surplus? By Mr. STENNIS: IhntobAbSh,P proposa1' 1 am concerned A blH to authorize appropriations tO thG ,TreMury- Accord “Whereas, Agriculture Is California's «If?6m ynar 1879 f°r pr^ur«nen? of a™ inglv iflhP ingly if the Congress does act on the Fpd “umber one Industry, and there Is a worldS; naval vessels- tracked comnmrt d^ano f°r the a8*l«ultural products batrt ah,cles’ torpedoes, and other weapons membership issue, I do believe the produced ln California; and and for research, development test and 5Sneri?n7rtea5Ury’ and Ornately the Forces to pre? American taxpayer should be held to a “Whereas. Despite the demand for these sec’rtoUAanOU f°r thG C^if^nttleB' B,°me natlons unfairly penalize ARph LhC autborized Personnel strengthfor minimum. The legislation I am int?o? California agricultural exports through 11- each active duty component and the Selected ducing would result in an annual net dlscrlm'natory duties and other A^rntVr °f CaCh Reserve component of to? afSer:tax revenue loss to the Treasury of nontariff barriers; and ^“®d Forces and f°r civilian personnel of “Whereas, The removal of these trade bar- mlHtDaT^e,?t °f °efense' to a“tho5?e the ?? Vurv^T- TWS U about ''“‘““he totoSlA, W^J086 anyway. Without leg fnmi.T d permlt the expansion of Cali- military training student loads, to author r 1 a 3 agricultural exports resulting In lze appropriations for civil defense, and for islation if Federal Reserve membership expanded Job opportunities and ln Improve ^ircePsUrP°SeS: thC CommRtee on Armed continues to decline at current Tates Oe"r" Afioembly’ 6e“M ment in the nation's balance of payi£n£ Negotiators from the Office of ^ Special Trade Representative, the In ternational Trade Commission, and the De partment of Agriculture are presently lntblVJdn D P^otlatlons aimed at redoing b? it 1Ueeal trnde barrlers; now, therefore6 As3etnblSf and Senate of \Ae.^t^te 1 California, jointly. That the Legislature of the State of California respectfully memorializes both the Congress and the President of the United State? to’ porously negotiate the reduction of unfal? b*L and h ® trade whlch currentiy exist thereby expand the International com merce to agricultural products. Including the agricultural commodities produced to Cali fornia; and be it further A That 1116 ChIef Clerk of the to th^bpr transailt cop,es of this resolution nmtArt ^eS?den? and Vlce President of the United States, to the Speaker of the House of Representatives, and to each Senator and Representative from California In the CoS? gress of the United States.” ByMX^;°N <'» ■*»»« »"0 to? Se Ah11 ? Change the name of Clayto ?h?en U,°f °klaboma to Sardes By Mr. CASE: S^,3488’ A b,n f°r the relief of Yaroslav dictorayJOlOff: thC Commlttee on the Ju- t STATEMENTS ON INTRODUCED BILLS AND JOINT RESOLUTIONS f*S 34^1ThP??XMIRE: Re^vt85; ^*blH t0.amend the Federal of reserves maintenance ,d6r t0 facilitate the implementation of monetary policy to promote competitive equality among’ deK ?on lu Acquire the uie°im lm-?°S^2n °f service charges for services LSerfll. Rf8erve banks, and for other purposes, to the Committee on Banking Housing, and Urban Affairs. MONETARY POLICY IMPROVEMENT ACT of 1978 REPORTS OF COMMITTEES Mr. PROXMIRE. Mr. President I am The following reports of committees were submitted: today introducing the Monetary Policy mK’I; AD°.UREZK- teom the Select Com- Movement Act of 1978. The legisla S 050° a'L Anra,rs' wlth <MmenU: tion is designed to deal with the prob ,i,» 15°n A b 1 to autiiorlze the States and lems associated with the erosion of mem the Iudlnn tribes to enter into mutual bership in the Federal Reserve System dk-tto?entH Hnd compacta respecting jurls- The objectives of the bill are to: 2 nn and e°vernmental operations to In•^test, strengthen the. ability of the tllan country (Rept. No. 95-1178) By Mr. LONG, from the Committee on Fl- UryepolicyTrtL' B°£U'd “ C°ndUct raone- https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis SUMMARY OF MAIN FEATURES as’fSieiowsi?CiPal fCatUreS °f the bil1 are AllFfpdPr?niVerSal r^serve requirements: All federally insured depository institu tions with deposits above a sSficd' amount would be required to maintain anc? withBtonPSt th°SC depos,ts in accord ance v.ith the reserve ratios prescribed anulaW' Federal Reserve Board1 i? limited Zed tO Vary th0se ratios withm a hmited ra„Be for monetary p„IlcJ would be required'to cominercial banks fleamst their combined demand an/S^ Pnss deposits in excess of $40 million and against deposits in in exces ? of of tin ^,11-their ----- a time ea»i„m. deposit ___ ■ isexcess .e?8 $40 million million. A savings defined as a deposit with a maturity of 30 da vs or less and a time deposit is defined as daysW h a maturlty of more than 30 in^H„°/h6r federally insured depository institutions or members of the Federal Home Loan Bank System including mu tual savings banks, savings and loan associations, and credit unions would be [squired to maintain reserves against «!?r l’'an$acti°n accounts in excess of fi?mdUt Wn' transacti°R account is de fined to include a demand deposit a NOW account, a share draft account, or other account from which payments mav be made to third parties. Second. Simplified reserve require ments: Under the present hodge ?>xb>e S14786 CONGRESSIONAL RECORD — SENATE system, the Federal Reserve Board has prescribed 12 separate reserve ratios de pending upon the type of deposit, its maturity, and the size of the bank. The proposed legislation would substantially simplify this complex structure by pre scribing just three reserve ratios for all commercial banks subject to reserve requirements: (I) 9 percent against demand and savings deposits; (II) 4 percent against shorter term time deposits with Initial maturities of less than 180 days; and (III) 1 percent against longer term time deposits with Initial maturities of 180 days or more. Other depository institutions subject to reserve requirements would be re quired to maintain a 9-percent reserve 'against their transaction balances. Third. Reporting requirements: The Federal Reserve Board is authorized to require periodic financial reports from all depository institutions in order to perform its monetary policy responsibil ities. Institutions not subject to reserve requirements can provide these reports to their respective supervisory agencies. Fourth. Access to discount window and other Fed services: All depository insti tutions required to maintain reserves and who are not members of the Federal Reserve System would be automatically entitled to all of the privileges of mem bership including access to the discount window. In addition, all nonmember banks who, because of their size are not subject to reserve requirements, would be given access to the discount window upon a certification of solvency from the FDIC. Fifth. Pricing of Fed services: The Federal Reserve Board is required to publish a schedule of fees for its services to commercial banks by July 1.1979, and to begin charging for these services by July 1, 1980. All depository institutions would be able to purchase these services on the same terms and conditions as member banks. The fees would take into account an allowance for taxes and the cost of capital. EFFECT OF THE PROPOSAL First. Effect on financial institutions: The system of universal reserve require ments together with the $40 million ex emptions as proposed in the legislation would halt the decline in the percentage of bank deposits subject to reserve re quirements, while at the same time re lieving most banks from the burden of maintaining reserves. The bill would sub ject only 1,723 banks to reserve require ments compared to a present total of 5,664. Moreover, because the bill author izes banks to count their vault cash against their reserve requirements, only 1,117 banks would have to keep reserves at a Federal Reserve bank. This includes 762 banks that are presently members of the Federal Reserve System and 355 non member banks. Some of these nonmem ber banks covered by reserve require ments would be covered anyway by the International Banking Act recently passed by the Congress. Of the 5,664 current member banks, 4,523 would be relieved by reserve re quirements entirely; 379 would be able to https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis meet all of their reserve requirements with their present amount of vault cash; 706 would have their present reserve re quirements reduced; and 56 would have their present reserve requirements in creased. Tiie bill provides that any in crease in reserve requirements would be phased in gradually over 4 years for any member bank facing higher reserve re quirements and for any nonmember bank subject to reserve requirements. The bill also would apply reserve re quirements to nonbank depository insti tutions offering transaction accounts that are equivalent to demand deposits. However, because of the $40 million ex clusion, and because many thrift insti tutions still lack the legal authority to offer transaction accounts, and because of the ability to satisfy reserve require ments with vault cash, less than 10 non bank institutions would actually be re quired to maintain reserves with the Fed, according to estimates supplied by the Federal Reserve staff. Thus, the applica tion of reserve requirements to all de pository institutions offering checkingtype accounts would have virtually no financial impact on the thrift industry; but it would foreclose a potential source of erosion in monetary control if, in the future, Congress and the States were to provide thrift institutions with addi tional powers to offer checking or similar type accounts. It also insures a greater degree of competitive equality between bank and thrift institutions in compet ing for the public’s checking account business. Second. Effect on monetary policy: The legislation would strengthen in a number of ways the ability of the Federal Reserve Board to perform its monetary policy responsibilities. First, the bill would halt the decline in the portion of total bank deposits sub ject to reserve requirements. The erosion in the Federal Reserve’s membership has reduced the percentage of total deposits at banks subject to reserve requirements from approximately 84 percent in 1961 to less than 73 percent today. Unless action is taken to halt this decline, a further erosion in Fed membership could begin to weaken the ability of the Fed eral Reserve to control the Nation’s money supply. The system of universal reserve requirements proposed in the bill together with the $40 million exclusions would cover 71.6 percent of total bank deposits. Thus, the Fed's ability to con trol the monetary aggregates would be stabilized. Second, the simplified structure of re serve requirements proposed in the bill would make it far easier for the Fed to predict and control future changes in the money supply. Under the present sys tem, if a consumer transfers fluids from his checking account to his savings ac count at his bank, the bank’s reserve re quirement against those funds could de cline from 16ft to 3 percent. These freed-up reserves could produce a mul tiple expansionln the money supply un less offset by the Federal Reserve. Simi lar complications arise when funds are transferred from a checking account into a NOW account or from a checking account in a large member bank to a September 7, 1978 checking account in a medium or similar sized member bank. In theory, the Fed can predict these transfers and take them into account when formulating monetary policy. However, innovations in funds transfer technology have made * it far easier for consumers and busi nesses to shift funds between their ac- / counts, thus complicating the Fed’s mon etary projections. Many of these problems would be al leviated under the proposed legislation. The bill would apply the same reserve requirement against demand deposits, savings accounts, and NOW accounts. Thus, deposit shifts between these types of accounts would have no monetary sig nificance. Also, the uniform 9 percent reserve requirement against demand de posits would reduce the complications arising from shifts in demand deposits between different size banks which, un der the present system, have reserve re quirements ranging from 7 to 16 ft per cent. Monetary policy would be further strengthened by authorizing the Fed to require timely financial reports from non-member financial institutions. The lack of timely data from these institu tions has, in the past, caused the Fed to make monetary policy judgments on the basis of incomplete and inadequate in formation. In order to minimize report ing burdens, the bill further provides that these reports may be provided through an institution’s regular super visory agency. Finally, monetary policy would be strengthened and the safety and sound ness of the banking system would be en hanced by permitting all banks to meet their liquidity needs through the Fed eral Reserve’s discount window. Under the current system, a sizable portion of the banking industry is excluded from the discount window except under severe emergency conditions. This exclusion can dilute the aggressiveness of the Federal Reserve Board in pursuing a restrictive monetary policy. There are times when the Board may hesitate to impose the degree of restraint called for by eco nomic conditions in order to avoid the potential liquidity strains that could be visited upon non-member banks. Guar anteeing all nonmember banks access to the discount window will allow the Board a great degree of freedom in conducting monetary policy. Third. Effect on competitive equality: On balance, the legislation would pro vide more competitive equality between different classes of financial institutions. Our present system creates numerous imbalances in the competition for de posits, since reserve requirements are not applied uniformly. A 1 percentage point reserve requirement raises the ef fective cost of funds by as much as 10 basis points. This extra cost can place member banks at a substantial disad vantage compared to nonmember banks and thrift institutions. Under the proposed bill, the system of universal reserve requirements will place member and nonmember banks on a more equal footing. All banks would be subject to the same reserve requirements regardless of membership status. ’ September 7, 1978 CONGRESSIONAL RECORD —SENATE The bill also helps to equalize com petition between commercial banks and thrift institutions in the market for cer tificates of deposits (CD’s). Under the present system, a member bank is re quired to maintain a reserve of 6 percent against its shore term CD's in excess of $5 million with initial maturities of less than 180 days. Under the proposed bill, this reserve requirement would be re duced to 4 percent. The bill further helps to restore competitive parity in the longer term CD market where, under the present system, member banks are required to maintain a reserve of 2>/2 percent against CD’s in excess of $5 mil lion that are between 179 days and 4 years in maturity. This would be reduced to 1 percent under the proposed bill. -The bill would also provide further competitive equality between banks by guaranteeing that all nonmember banks shall have access to the discount win dow. This access would be automatic in the case of the 355 nonmember banks required to keep reserves at the Federal Reserve. However, the remaining 8,374 nonmember banks would also be given ready access to the discount window upon a certification of solvency from the FDIC. Under current Federal Reserve Board interpretations of the Federal Re serve Act, nonmember banks cannot be given access to the discount window ex cept under severe emergency conditions. Access to the Fed's discount window can enhance the long-term viability of our smaller, locally controlled banks. By providing them with an alternative source of credit for liquidity needs, it also reduces their dependence on their larger correspondent banks. This in turn should strengthen the ability of smaller banks to compete more equally with their big city rivals. Finally, the bill promotes competitive equality by requiring that all depository institutions be able to purchase Federal Reserve services on the same terms and conditions that apply to member banks. This will insure that the Federal Reserve pricing proposals do not discriminate against nonmember institutions. On the negative side, the bill would raise the reserve requirement on savings deposits from 3 to 9 percent, thus affect ing the ability of the larger banks to compete for these deposits with thrift institutions and with smaller banks. However, it should be noted that these requirements apply only to 1,117 banks. For 4,902 smaller member banks, the present 3 percent reserve requirement against savings deposits would be elimi nated, thereby strengthening the ability of these banks to compete more equally with thrift institutions. Fifth. Effect on Treasury revenues: This legislation would affect the reve nues of the Federal Reserve banks and ultimately the Treasury in a number of ways: First, the revised reserve requirements together with the $40 million exemp tions would cost the Treasury $682 mil lion in pre-tax revenues. Second, the application of reserve re quirements to the larger, nonmember banks will result in a $140 million reve nue increase to the Treasury before taxes. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Third, the mandate to begin charg ing for Federal Reserve services would produce an additional $451 million in pre-tax revenues to the Treasury. This assumes the Federal Reserve’s estimate of the cast of these services—$410 mil lion—would be increased by 10 percent to reflect the cost of capital and taxes that would be incurred by a private firm providing similar services. The combined effect of these changes would result in a pre-tax revenue loss of $91 million. However, these net losses in revenue to the Treasury would also con stitute a corresponding net gain in in come to the banking system or its cus tomers. This additional income would be subject to taxation. Assuming a mar ginal tax rate of 55 percent, the net after tax revenue loss to the Treasury would be approximately $41 million. While $41 million a year is a substan tial amount, it is far less than the cost of other Fed membership proposals that have been advanced. Moreover, accord ing to estimates by the Federal Reserve, the Treasury will lose about this much revenue anyway if the decline in Fed membership continues at the same rate that has occurred over the last several years. Finally, the reserve loss must be evaluated in terms of the corresponding benefits. It is clearly worth something to strengthen the ability of the Federal Reserve to conduct monetary policy. Also, the efficiency of the banking and pay ments system will be enhanced through pricing of Fed services and through the greater degree of competitive equality that will result from the legislation. These benefits will accrue to the public generally in the form of lower prices for banking services. Mr. President, I ask unanimous con sent that a section-by-section analysis of the bill be printed in the Record. There being no objection, the analysis ordered to be printed in the Record, Is as follows: Monetary Policy Improvements Act of 1978 SECTION-BY-SECTION ANALYSIS Section 1. Title. This section Indicates that the title or the Act Is the "Monetary Policy Improvements Act of 1978.” Section 2. Definitions. This section defines "depository Institution” as any Insured bank, mutual savings bank, savings bank, Insured credit union, and savings and loan associa tion. It also Indicates that for the purposes of collection of checks, drafts, or maturing notes and bills by Federal Reserve Banks any association which consists of depository In stitutions will Itself be considered a deposi tory Institution. This section also defines "transaction ac count” as a deposit or account on which the holder of the account Is allowed to make withdrawals by any type of negotiable or transferable Instrument for the purpose of making payments to third persons. Trans action accounts Include demand deposits, ne gotiable order of withdrawal (NOW) ac counts, and share draft accounts. Section 3. Transaction Accounts. This sec tion indicates that the Federal Reserve Board, In consultation with the Board of Directors of the Federal Deposit Insurance Corpora tion, the Federal Home Loan Bank Board, and the National Credit Union Administra tion, may determine on account or deposit to be a transaction account where such ac counts may be used to make payment or transfer funds to a third person. Section 4. Reporting requirements. In thia section the Federal Reserve Board Is author- S14787 lzed to collect reports from any depository Institution of the Institution’s liabilities and assets as may be necessary or desirable to en able the Board to discharge Its responsibility to conduct monetary policy. In cases where the depository Institution Is subject to re serve requirements set by the Board, such reports would be made directly to the Federal Reserve. For all other depository Institutions the reports would be made to the appropriate Federal regulatory agency, or to a state of ficer or agency, and through such agency to the Board. This section Indicates that the Board shall endeavor to avoid unnecessary reporting burdens. Different reporting re quirements may be made In different classes of depository Institutions. Section 5. Reserve requirements. This sec tion indicates the basic framework for re serve requirements against deposits held by depository Institutions. Reserve require ments would be set by the Federal Reserve Board and would be applicable to deposits held by Insured banks and to transaction accounts at other depository Institutions. Re serve requirements would apply to the total of demand and savings deposits In excess of $40,000,000 and to time deposits in excess of $40,000,000 at insured banks. Banks may apply the $40,000,000 exemption for time de posits against such deposits with Initial ma turities of 179 days or less first and other time deposits second. For nonbank depository Institutions reserves would apply to transac tion accounts which In the aggregate exceed $40,000,000. Reserve requirements would be uniform for all Institutions regardless of size. The initial reserve requirement and the range within which the Federal Reserve Bank may set the reserve requirement by regulation (solely for the purpose of Implementing monetary policy) are as follows: (1) total of net demand deposits and savings deposits at banks and transaction accounts at other de pository institutions, 9 percent within a range of 8 to 10 percent: (2) time deposits with initial maturities of 179 days or less, 4 percent within a range of 2 to 6 percent; and (3) time deposits with initial maturities of 180 days or more. 1 percent within a range of % of 1 percent to 2 percent. This section also provides that In extraor dinary circumstances the Federal Reserve Board may Impose reserve requirements out side the limits prescribed for a period not exceeding 30 days, which may be extended for an additional 30 days. Exercise of this au thority requires the Board to promptly trans mit to Congress the reasons for its use ofthis authority. For banks subject to reserve requirements, the Board Is also permitted to Impose re serve requirements against net balances owed by domestic offices of banks In the United States to their related foreign offices and to nonrelated foreign banks and against their borrowings based on loans to United States residents made by overseas offices of banks with offices In the United States and assets held bv foreign offices of banks In the United States acquired from their do mestic banks. If such action Is necessary to the lmplementlon of monetary policy. Reserve requirements for any depository institution not a member bank on August 30, 1978 would be phased In over a period of four years. During the first year required reserves would be reduced by 75 percent, during the second year by 50 percent, and during the third year by 26 percent. For any member bank which would have its reserve requirements Increased by this legislation, the additional reserve require ment would be phased In over a four year period In a similar manner. This section also indicates that in the case of affiliated banks and affiliated non bank depository Institutions, the total de posit liabilities exempted from reserve re quirements shall not exceed in the aggregate the product resulting from multiplying the S 14788 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis September 7, 1978 CONGRESSIONAL RECORD — SENATE number of Institutions In such affiliated » group on August 1, 1078 by $40,000,000 for each such exemption. For each such exemp tion, no more than $40,000,000 shall be exempted at any Individual bank or non bank depository Institution. The new reserve requirement structure In this section would result In a reduction In reserve requirements for many member, banks and for the banking system as a whole. In order to provide for an orderly transl-' tlon period, the Board may Implement the new reserve requirements on a gradual basis over a period of 24 months. Any depository Institution maintaining reserves as required by the Federal Reserve Board would be entitled to all the privileges of membership in the Federal Reserve Sys tem, except the holding of stock In, or tot ing for any director of, a Federal Reserve Bank. . •. Nonmcmber banks not maintaining re- serves would be entitled to access the Fed eral Reserve discount window. The Federal Reserve Board may as a condition of access require certification of solvency of such bank from the Federal Deposit Insurance Corporation. Section 6. Form of reserves. Reserves held to meet the reserve requirement set by the Board may be in the form of (1) balances In a Federal Reserve bank at which the de pository Institution Is a member or at which it maintains an account; (2) balances main tained by a nonmember depository Institu tion In a bank that maintains required re serve balances at a Federal Reserve bank. In a Federal Home Loan Bank, or In a central liquidity facility that may be estab lished for credit unions, provided that such ' funds are then passed-through to a Federal Reserve bank; or (3) In the form of vault cash. The proportion of vault cash that may be counted to satisfy reserve requirements must be identical for all depository Institu tions. Balances received by a bank from another depository Institution that are used to satisfy reserve requirements on such depository Institution would not be sub. Ject to reserve requirements Imposed on the receiving bank or to assessment imposed on such bank pursuant to the Federal Deposit Insurance Act. Section 7. Pricing of services. This sec tion requires the Federal Reserve Board to price services provided by the Federal Re serve System at a market cost and to pro vide access to such services to all depository Institutions on the same terms and condi tions. Such services are currently provided by banks without charge. The Board would be required to publish for comment a set of pricing principles and a proposed schedule of fees for Federal Reserve services by July 1, 1979, and to Institute pricing of Its services by July 1, 1980. The pricing principles would be required to take Into account the taxes that would be paid and the capital costs that would be Incurred If privately owned organizations provided similar services. Due regard would be given to competitive factors and to the provision of an adequate level of services nationwide. Section 8. Committee on money substi tutes. This section would require that the Federal Reserve Board establish a committee to examine questions related to the Imposi tion of reserve requirements against bank and nonbank liabilities that are substitutes for demand deposits. The Committee would be composed of five members to be appointed by the Broad and the Individuals would have broad backgrounds on monetary affairs, eco nomic policy, or finance. The appointees could not be United States Government em ployees, or employees, officers, or directors of a Federal Reserve bank. The committee would conduct a thorough study and Investigation of (1) the need for legal reserve requirements against short term liabilities such as nonbank "federal funds", security repurchase agreements. Eu rodollars. security dealer repurchase agree ments, liquid asset mutual funds, cash man agement services, and travelers checks; (2) the appropriate level of reserve requirements against each type of money substitute; and (3) the need for the Federal Reserve Board to have flexibility to change such reserve re quirements. The committee would be required to In clude In Its report to the Board recommenda tions for administrative actions and legisla tion. Section 9. Authority of State bank super visors. This section Indicates that nothing In this Act or In amendments made by this Act shall be construed as derogation of the authority of any state bank supervisor over any Institution It supervises by state law. Section 10. Effective date. The new reserve requirements Included In Section 5 and 6 shall take effect on the first day of the sixth calendar month after enactment. All other sections take effect on the date of enact ment. By Mr. STENNIS: S. 3486. A bill to authorize appropria tions for fiscal year 1979 for procure ment of aircraft, missiles, naval vessels, tracked combat vehicles, torpedoes, and other weapons and for research, develop ment. test and evaluation for the Armed Forces, to prescribe the authorized per sonnel strength for each active duty component and the Selected Research of each Reserve component of the Armed Forces and for civilian personnel of the Department of Defense, to authorize the military training student loads, to au thorize appropriations for civil defense, and for other purposes; to the Com mittee on Armed Services. (The remarks of Mr. Stennis when ne introduced the bill appear elsewhere in today’s proceedings.) By Mr. BELLMON (for himself and Mr. Bartlett) ; S. 3487. A bill to change the name of Clayton Lake in the State of Oklahoma to Sardis Lake; to the Committee on En vironment and Public Works. • Mr. BELLMON. Mr. President, I am Introducing a bill today for myself and my colleague. Senator Bartlett to cor rect a situation that occurred inadver tently due to the Flood Control Act of 1962. This act provided for a new reser voir to be constructed in Pushmataha County, Oklahoma. This reservoir, presently under con struction, was named Clayton Lake in the legislation. Less than ten miles from the site of the new lake is an existing Clayton Lake. Many Oklahomans have contacted my office pointing out the con fusion that would result from two lakes of the same name in the same county. The bill, which I am introducing to day, will rename the lake, Sardis Lake, after the town of Sardis which will be partially inundated by the new reser voir. The name Sardis was chosen by the resident of Pushmataha County during a public meeting. Mr. President, I ask unanimous con sent that the bill be printed in the Record. There being no objection, the bill was ordered to be printed in the Record, as follows: 8. 3487 Be it enacted by the Senate and House of Representatives of the United States of Amer ica in Congress assembled, That the lake known as Clayton Lake; which Is being con structed as part of the project for the Clayton and Tuskahoma Reservoirs, Klamlchl River, Oklahoma, authorized In the Flood Control Act of 1962, Bhall hereafter ba known as Sardis Lake, and any law, regulation, docu ment, or record of the United States In which such lake Is designated or referred to Bhall be held to refer to euch lake under and by the name Sardis Lake.® ADDITIONAL COSPONSORS 8. 3248 At the request of Mr. Morgan, the Sen ator from Kentucky (Mr. Huddleston) was added as a cosponsor of S. 3248, to create a National Agricultural Cost of Production Board. 8. 3280 At the request of Mr. Bayh, the Senator from South Dakota (Mr. Abourezk) was added as a cosponsor of S. 3280, to estab lish a National Institute of Justice. 8. 3320 At the request of Mr Hathaway, the Senator from New Hampshire (Mr. Dur kin) was added as a cosponsor of S. 3320, a bill to provide tax breaks for invest ments in stock of small businesses. 8. 3429 At the request of Mr. Hathaway, the Senator from Vermont (Mr. LEAirr) was added as a cosponsor of S. 3425, the Com munity Mental Health Assistance Act of 1978. k S. 3447 At the request of Mr. Stone, the Sen ator from North Carolina (Mr. Morgan) . and the Senator from Iowa (Mr. Clark) were added as cosponsors of S. 3447, the Agricultural Export Trade Expansion Act of 1978. SENATE RESOLUTION 553—ORIG INAL RESOLUTION REPORTED WAIVING CONGRESSIONAL BUDG ET ACT Mr. LONG, from the Committee on Finance, reported the following original resolution, which was referred to the Committee on the Budget: 8. Res. 663 Resolved, That (a) pursuant to section 402 (c) of the Congressional Budget Act of 1974. section 402(a) of Buch Act shall not apply with respect to the consideration In the Sen ate of the bill (H.R. 2852) to amend the In ternal Revenue Code of 1954 to provide that refunds of the taxes on gasoline and special z fuels shall be made to aerial applicators In certain cases; and 1 (b) That waiver of this section Is neces sary In order to enable the Senate to consider legislation which will extend and modify the program of antirecession fiscal assistance established by the Public Works Employ ment Act of 1976; and further (c) -That It was infeasible to complete ac tion on this legislation within the usual time limits prescribed by this section because of the uncertain legislative status of the pro gram In the House and because this program. Is so particularly related to economic condi tions as to make it highly desirable to delay action beyond the usual deadline In order to obtain as accurate a view of present eco nomic trends as possible. 429 be clear for the record, because it did come into the 1 2 testimony. I want to give you an opportunity to clear these matters 3 4 5 up. The Securities and Exchange Commission wrote a letter 6 in which they said there were certain matters that were 7 under consideration, and that they would not be discussed 8 because of privacy rights. 9 I quite agree with them. But there were some matters 10 which I made a part of the Committee’s public record. 11 the remittance of $300,000 by a Textron subsidiary to 12 an independent foreign sales representative in connection with 13 a $1.6 million sale of equipment manufactured by that 14 subsidiary to a foreign government entity.’ One, j 15 What is your comment on that? 16 Mr. Miller. 17 18 19 Senator, I learned of that situation at the mee-t-irvg on the 24th, and I looked into it. The story is as follows^ Back in February^1971>a company called Tropica^Aircraft Sales Nigeria^ was appointed 21 Bell Helicopter's sales representative in Nigeria. And later * -c wa^*-=*»,a few months, ^was given the right to sell in 17 other 22 African countries on a case-by-case basis. 20 • 23 At the Paris Air Show that year^there was an interest 24 shown in a couple of our model 212 helicopters^ by the Government Inc. 25 of Ghana. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis And as a result of that^Tropical Air vjoked on the 430 1 2 sale of two helicopters »for VIP transportation-to the government of Ghana. Tropical Aircraft submitted a standard purchase agreement, 3 4 proposing to buy these helicopters and their spare parts and 5 accessories for about $1.9 million. The proper pri<?e Bell^X list^would have been about $1.6 or $1.7 million^ 6 7 Bell rejected the order. A new order was submitted for the proper amount of money, 8 9 10 and it was acceptedj^and by September of that year^ September 20A the helicopters were delivered. Now the payments that Bell received between September 11 12 10 and September 22, 1971y came in in two forms. TJ/fere was 13 $613,000 in checks or deposits, and there were notes, 14 promisory notesQ-*-*' this was a finance sale ^through the'^E-XSM— 15 Bank 16 and—these were assigned to the Continental Illinois National 17 Bank^ so Bell received/in cash [about ■a^million 18 more than the order of $1.6 million. 19 the notes that came in for about X million fcteae way The Administrator in the XxP°r^ Marketing Department 20 took the $1.6 million due Bell<£,_and then, since the money had 21 been received for the account of Tropical Aircraft, he 22 sent the balance, which happened to be when the figures 23 24 worked out to W $310,000, and-ho--sent—it to Tropical Aircraft’s account in Miami, Florida. Inc. 25 In my opinion, that was not handled properly. mind that https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis In my should have been surfaced through the top management to 1 431 1 of Bell and should have come to my attention. 2 3 4 I don’t know at this point that anything wrong was done. but it was a strange transactional think it I would not approve it.. 5 6 7 I did not know of it, and I reg^ret and apologize to you that we didn't find that incident and surface it. 10 Senator Brooke. 13 14 15 16 Well, on the surface of it, it would appear to me to be an improper arrangement. . agree? 11 12 H •don't see that Bell Helicopter people had any benefit already rejected the order, and then-to have it rebilled and then t-e- take the money and 4not bring it to^someone higher up^x-attent-ioft- irs- to my mind not proper*. 24 Rtporwrs, Inc. 25 That matter came to your attention, you y said, on the 24th? Mr. Miller. It came to my attention here at the Committee. i * 4 20 23 X Senator Brooke. 19 22 ---- S anything. But I don't know why they, you—know^ after we had O' 21 Do you Mr. Miller. On the surface^I don't like it at all. I 17 18 We should have. 8 9 wrong, and Senator Brooke. That is the first time you had heard of it? Mr. Miller. Yes, sir. Senator Brooke. And no Bell Helicopter official had reported that to you? Mr. Miller. No, sir, no Bell Helicopter officer knew https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 432 1 2 of it. Bell Helicopter officers themselves had rejected it* n 3 and then, down in the £xport .Department, when it^ came 4 in, the people just sent it or^arnS they shouldn't have done 5 it. A Senator Brooke. Have you taken steps to correct that ' 6 7 now? 8 Mr. Miller. Yes, sir. We will see that that is cut out. 9 As I said before, when you are working with 65,000 employees, -6-u' 10 you-^ean’^fHK>ve-«i*, but we do7 have strong controls^ and we have 11 strengthened them a lot. 12 nation ,in the 1970s about these kinds of things, and we have 13 tightened and toughed our controls, even though I think we 14 had good ones. 15 We liaVfe leifn^d^^ot'-i-n this A Senator Brooke. Second, the use of push money salary 16 contributions and other promotional practices by another 17 Textron subsidiary. 18 Mr. Miller. Y es, sir. In December, 1977, th^SEC was 19 in touch with us and—said—they—had some questions about the 20 pi'OluuLiuiial 'piafticesvJ^Tte promotional allowances, which are 21 common in consumer products. 22 advertising, arrangements to pay compensation for clerks^ 23 are offered uniformly to all stores. 24 You know, cooperative One of our products has engraving, and you offer engraving Inc. 25 machines tcr-enewve it. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis These^are common'. /In fact, these 439 and every office manager in every part of our company is as rigorous as I think they should be. But we will continue to make this a higher priority within Textror^and weTumUnue making it a- high-pr-ior-i-ty. Senator, I think I "•should "TOfllPlgte^ this,—because there are three other incidents that have been referred to in the papers that I think are unfair and ought to be cleared up a little. Senator Brooke. I was going to get to them, but my time is up. If the Chairman will permit you. Mr. Miller. Maybe I can take my time, because I am * very anxious to help this Committee cleal^ this up, and I am very anxious to be sure that Textron’s reputation is not harmed in this process^ beeauoc the words that wsre^used^^ kickbacks, secret accounts, bribes^ are falsej y^hey are And the SEC t-hiug^will be resolved, I have no worry false. there. 18 The three other things that came up were as follows^) 19 20 21 22 After th^?< incident\that I described a moment ago. of some J } V '“*■ > •> C_ overbillingApractices/ I wanted to reinf^ee to all of our A A people that they should be very, very alert to this kind of V So I wrote a memo saying^ even though you understand 4 me, please look further. problem. 23 24 Inc. As a result, two of our divisions came to our corporate 25 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis < 439-A 1 * 3 know there was anything wrong with them, we had misinterpreted, y ft „ we want you to know about thern^ full disclosure^ and our offices 4 have been gathering data and will gather data over five 5 years and will thoroughly investigate d . offices and said, well, we had such practices^ we didn’t --- I don’t know when Tt^first came to the corporate office’s 7 attention^ sometime after mid-year or scQ and I think our 8 financial people are onto the process, which may take 9 months to make sure they track 'it—a-tl down. 10 11 One of those divisions had this situation ccme-^p^ where 12 an employee who has gene, has-been terminated',/ had had such a A A Jj practice, unbeknown^to the billing department/-and—se our 13 people apparently were concerned about this, and asked for a 14 legal opinion^and^received an rmtaido lawyer's opinion^that 15 I what they were doing was proper. 16 I am not satisfied with it. 17 But even if that is true. But again, two incidents which are in the process of 18 being reviewed, and which do not, on their face, involve 19 any of the characterizations that were^made. 20 •1« Textron none -A > of these situations involved any 21 slush funds, any corporate officers or directors, any bribes. 22 any kickbacks, any falsfication of records^ eny^of that has not 23 been involved. 24 want to go in being super-clean. Everything has been a question of how far we Inc. 25 The third one. I might as well complete https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis or the 439-B 1 2 s±xtk-o»«^ the ono I told you about push money was a fraudulent claim. The f-i-f'Sh I have talked about> two were s< settled by a __ P • / . A — /5___ — 4 a five-year review. Two are under review. The last vone“wa? L»vtZ> J 5 ra single check sent by one of our overseas offices for a sales 3 l+l - • yVLlf 6 representative to PaYrt his commission in the proper amount 7 and in the proper namebut ^instead of sending it to his 8 country, they sent it to Switzerland^ not to a secret account, 9 but to an open account. 10 No law/was violated that I know o$.But I still don't 11 want that‘done. ‘Now maybe my being too puritanical has hurt 12 Textron, because these things wouldn’t ex^yt-i-f-J merely ZHa-A A made the test of legality. A I think my Company has suffered because I have asked 13 14 15 16 them to go too far^md-I am really saddened if that is true, o ^u. because Xwhen I accepted the nomination, I thought one might 17 get credit for that sort of thing, a«d it turns out one 4 18 may not get credit for it. 19 - Senator Brooke. Thank you. 20 The Chairman. 21 Senator Williams. Senator Williams. I did want to talk to Mr. Miller, 22 and I have not been able to be here, about some of the 23 philosophy in connection with the use 24 authority and our declining dollar, and the philosophy of Inc. 25 using the discount rate. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis of the Federal Reserve August 30, 1978 To: Board of Governors From: Ken Guenther / - Subject: IBAA Position on H. R. 13847 Breaking sharply with the position adopted by the ABA last week, the Independent Bankers Association of America ended their leadership meeting in Chicago by "endorsing in concept" H. R. 13847, the Fed membership bill introduced by Chairman Reuss. The IBAA press release is attached. Controversy is already developing over two sentences in this release with another banking trade association charging that these sentences considerably overstate the benefits for small banks contained in the Reuss bill. The sentences being questioned occur on page two and read: "Under a perfecting amendment the required reserve balances could be maintained in a member bank in the form of a corre spondent balance or vault cash" and "By becoming a member of the Federal Reserve System, such a bank [state non-member bank under $100 million] would be relieved of any state set reserve requirements and have complete access to Fed services and the discount window." As regards the later sentence, note that the press release on page 3 urges consideration of a perfecting amendment which would "clarify the preemption of state law reserve requirements for state member banks." Comment: Staff is concerned that the wording of the press release on the access issue appears to invite non-members to join the Fed, and this immediately raises a red flag in terms of the dual banking system. The press release also does not address the issue of Fed pricing of services--an issue which Chairman Miller discussed at length with the ABA leadership in the context of ABA concerns with correspondent bank relationships. IBAA staff which monitored the recent ABA meeting is fully cognizant of the Fed’s intention to price for services but feels strongly that this issue should not be joined in any pending legislation. In turn, the sentence dealing with required reserve balances could be read to imply that existing levels of correspondent balances could be used to satisfy Fed reserve requirements as well as payment for services provided by the correspondent bank. Attachment cc: Messrs. Petersen, Raiken, Axilrod, Ettin, Brundy, McNeill https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis I •• ' ■tn.iii r I • I I ,1-OVrf i* -n:. • »ar J..* idepenclenh HINGTON OFFICE BANKERS ASSOCIATION OF AMERICA EXECUTIVE DIRECTOR: HOWARD BEIL • SECRETARY YOiTf CONTACT: ’.J. . GENE MOORE • ASSOCIATE DIRECTOR BILL MCDONALD -I-’,■.•.i"iiu5£,r.> ..i.V/t RICHARD W. PETERSON(202) TERRENCE H. KLASKY (202) 265-1921 265-1921 u.C. 2C"'JS FOR IMMEDIATE RELEASE (78) INDEPENDENT BANKERS ASSOCIATION OF AMERICA ENDORSES MASSIVE CHANGES IN THE FEDERAL RESERVE SYSTEM WASHINGTON, D.C.—Citing the need to build capital in inde pendent banks and thereby enhance their ability to serve their communities, the IBAA today endorsed in concept H.R. 13847, in troduced by House Banking Committee Chairman Henry S. Reuss. Objectives of the bill are. 1. To improve the conduct of monetary policy; 2. To promote competitive equality; and 3. To stem the erosion of Federal Reserve membership. Believing those goals attainable with Chairman Reuss’ bill, the leadership of IBAA voted unanimously in taking action on the bill. "The enhancements offered in the proposal to small banks are of monumental consequence and must be viewed from the perspective of providing important new earnings opportunities in the face of increasing expenses," said IBAA President Ivan D. Fugate. Here are highlights of the bill’s provisions: 1. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis All national banks and state member banks with less than $100 million in reservable liabilities would be totally relieved of any sterile reserve requirements. PRESS RELEASE -2- 2. National banks and state member banks with over $100 million in "reservable liabilities" would be relieved of any sterile reserve requirements on the first $100 million and would enjoy a flat uniform reserve requirement of 6% on the excess. 3. State non-member banks with over $100 million in reservable liabilities would maintain reserves on that amount in excess of $100 million at the rate of 6%, receiving most of the privileges of Fed membership. Under a perfecting amendment the required reserve balances could be maintained in a member bank in the form of a correspondent balance or vault cash. " " — An important new option would be available to state non-member banks under $100 million. By becoming a member of the Federal Reserve System, such a bank would be relieved of any state set reserve requirement and have complete access to Fed services and the discount window. A state non-member bank choosing to remain in non-member status would still have access to the discount window, but on a modified basis. Undoubtedly, this law will trigger changes in state banking laws, especially in the area of reserves, IBAA officials said. Some state statutes automatically eliminate reserve requirements. Some states may choose to alter existing laws during the phase in period which has been proposed as an amendment. In any event the competi tive nature of the dual banking system will be given adequate time to operate, with the end result being beneficial to all. Fugate asserted, "Unquestionably, the House Banking Committee has put together an extremely attractive package to cut attrition at the Fed and to help independent banks provide better service." IBAA believes that this proposal will benefit the public and IBAA member banks. "It is time to return the business of running banks to the bankers. Exemptions from reserve requirements for most banks is a giant step forward toward deregulation. Bankers will be able to maintain liquidity funds in earning assets rather than sterile reserves. The experience of state non-member banks in Illinois, which hold no required reserves, has demonstrated the benefits of deregulation," Fugate stressed. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis PRESS RELEASE -3- The IBAA did urge consideration of a series of perfecting amendments which would: 1. Clarify the duty of the Fed to minimize the paperwork impact of the universal reporting requirement; 2. Eliminate any certification require ment for access to the discount window for state non-member banks; 3. Prevent evasion of reserve require ments by multibank holding companies; and 4. Clarify the preemption of state law reserve requirements for state member banks. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis <=7-f-7fc> Bill-- I checked with Paul Nelson. Nelson again emphasizes that Stanton is the key and that Stanton’s staff continues to back the ABA position--in fact they adopted the ABA position before the ABA did. Q.E.D. Stanton at this time is not prepared to bite the universal reserve requirement bullet this year. I have talked with Stanton’s staff to indicate that you would like to meet with him tomorrow1. Nelson is a bit worried about Rousselot since if he sets his mind to it he could tie the Committee He thinks you should call into procedural knots. Rousselot. Paul will check around to see where Ashley stands on all this. If he needs help with Ashley he will get back to us. Nelson notes that the ABA has some automatic votes on both sides of the aisle and that it will be hopeless to try to influence Pe°Ple. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Dick ^eterson of the IBAA is very unhappy with the Proxmire draft bill and will try to talk Ken McLean out of introducing any legislation at this time* Dick feels that if Prox goes his own way before the House markup and since there are provisions in the Prox bill which his members aren’t going to like--the introduction of Prox’s bill will further muddy the waters and further confuse his members. Peterson was particularly unhappy with the following provisions in the Prox bill. (1) The lower exemption level combined with no indexing; (2) the pricing of services section; and (3) the section providing for the establishment of a Committee on Money Substitutes and the scope of the study this group should carry out. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Bill Dick Peterson indicates that the IBAA essentially decided to (1) H.R. 13847--the Reuss bill. endorse They are now working on their press release and we will get a copy when it is available. Peterson notes that the ABA "minions" were much in evidence at the contentious IBAA meeting--but they did not prevail. (2) McKean called to talk about the bill that prox is putting together. Prox has given HcLean negotiating flexibility provided that two conditions are me£b. A. 73 percent of deposits should be covered by FED reserve requirements. B. The costs of the program should not be more than $110 million. McLean is inclining towards a $40 million-40 million exemption# level and feels that Reuss would be willing to accept this in conference. He notes that Reuss is locked into the $100 million level in terms of his Committee since once you have offered $100 million it is very difficult to cut back the exemption level for political reasons. The more banks covered--the greater is the political pain. McLean indicates that Prox remains firm In his belief that the thrifts should be covered. He no longer is quite so firm ^indexing the exemption level noting that this "sweetener" may have to be thrown In when the markup goes forward in Senate Banking. McKean is asking Brundy to do various computer runs on the appropriate levels of reserve requirements to meet Prox's $110 million cost target Finally, McLean notes that we have to make an all out effort with both the Senate and House Republicans whose "do-nothing position" will be re-inforced by the ABA position. (3) Senatp Banking has not yet received the Nancy Teeter's this will be in good order, https://fraser.stlouisfed.org hearings Federal Reserve Bank of St. Louis Prox will probably hold during the week of September 11-15. P perw°rk. Assuming t August 28, 1978 To: Board of Governors From: Ken Guenther Subject: Senator Brooke's Financial Institutions Legislation On August 24 Senator Brooke, the ranking minority member of the Senate Banking Committee, introduced two bills and asked that they be considered when the Committee meets to consider the extension of the Regulation Q authority next month. The first bill extends the interest rate setting authority for two years until December 15, 1980, and also includes a provision which would remove the interest rate differential on time and savings deposits which can be automatically accessed by a third party payment account. The second bill, which was introduced for "discussion purposes", "attempts to resolve the Fed membership problem by providing member banks with an opportunity to cover their reserve obligations by the purchase of certificates of deposit issued by the Federal Reserve Bank in each Federal Reserve district. These certificates would bear interest at a rate 1/2 percent below the average return on the Federal Reserve System portfolio .... Since the certificates would be issued by a Federal Reserve Bank, they would of course not be subject to statutory or regu latory provisions applicable to deposits held by member banks, such as interest rate controls or prepayment penalties." The Brooke bill also would require the Federal Reserve to set reserve requirements which are uniform for all member banks since Fed adoption of explicit pricing for services does away with the need to maintain service ratios which differentiate among different sized banks. The reserve requirement ranges suggested in the Brooke bill are 3-i0 per cent for demand deposits, 2-7 per cent for savings deposits accessed by automatic transfers, and 1-7 per cent for other time and savings deposits. In introducing this legislative proposal, Senator Brooke described the other membership legislation which is pending, noting "each of these proposals has advantages and disadvantages, but in my opinion each of them may also encounter such significant opposition as to make resolution of the Fed membership problem unlikely in the near future." Finally, Senator Brooke commented on the "Safe Banking Act" as it emerged from House Banking, noting that the House bill contains https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis -2- various titles on which neither the Senate Banking Committee nor the full Senate has yet taken final action. Brooke suggested that "when the Committee meets to consider an extension of Regulation Q authority and the Federal Reserve member ship proposals, Members would take the opportunity to express their views on those titles which have not yet been considered by the Senate." Attachment: https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Senator Brooke's Congressional Record insert S 14332 CONGRESSIONAL RECORD — SENATE (1) to appoint and fix the compensation of an Executive Director, and such addi tional personnel as it deems necessary to enable the Commission to carry out Its func tions. without regard to the provisions of title 5, United States Code, governing ap pointments in the competitive service, and without regard to chapter 51 and subchap ter III of chapter 53 of such title relating to classification in General Schedule pay rates,' but— (A) in the case of the Executive Director, at a rate equal to that for level V of the Executive Schedule under section 5316 of title 5, United States Code; and (B) in the case of all other personnel, at rates not in excess of the maximum rate for GS-18 of the General Schedule under section 5332 of such title; and (2) to procure temporary and intermittent services to the same extent as is authorized by section 3109 of title 5. United States Code. (b) (1) The Commission Is authorized to enter into agreements with the General Services Administration for procurement of necessary financial and administrative serv ices, for which payment shall be made by reimbursement from funds of the Commis sion in such amounts as may be agreed upon by the Chairman and the Administrator of General Services. (2) The Commission is authorized to make grants and enter into contracts for the con duct of research and studies which will as sist it in performing its duties under this Act and all such grants and contracts shall be subject to the time limitations imposed upon the Commission by this Act. (c) (1) Any Federal employee subject to the civil service laws, rules, and regulations ma y be detailed to the Commission, and such detail shall be without interruption or loss of civil service status or privilege. (2) Any staff member of any committee of the Senate or of any committee of the House of Representatives may be detailed to serve on the staff of the Commission by the chair man of the respective committee. Any staff member so detailed shall serve on the staff of the Commission without additional compen sation except that such staff member may receive such reimbursement of expenses in curred as the Commission may authorize. August 24, If)78 to transaction accounts; to the Commit in the consistently lower average profits tee on Banking, Housing, and Urban of member banks compared to non Affairs. member banks. S. 3462. A bill to provide for the main This unequal treatment has become tenance of reserves by member banks particularly important in recent years. through certificates‘of deposits issued by First, persistent inflation and generally the Federal Reserve Banks and to reduce high interest rates have increased the and restructure reserve requirements; to cast, in lost interest earnings, from keep the Committee on Banking, Housing, and ing reserves with the Federal Reserve Urban Affairs. System. Second, competition in banking FINANCIAL INSTITUTIONS LEGISLATION has increased dramatically, especially • Mr. BROOKE. Mr. President, on De through the growth of the savings indus cember 15, 1978, authority for the flexible try and credit unions. I would add that regulation of interest rates on deposits this heightened competition is, to some and accounts in depository institutions degree, a direct result of congressional will expire, and legislation to extend such action encouraging formation of these authority will have to be considered be competing financial institutions. I am fore the Congress adjourns sine die. On not suggesting that competition should other occasions I have expressed my be curtailed. We must recognize, how reservations regarding the long range ever, that our actions have increased the utility of interest rate controls, and I am attention which financial institutions pleased that the administration has un must give to earnings on all assets, in dertaken a review of what are commonly cluding reserves. called the Regulation Q ceilings. A number of proposals to deal with the I understand that proposals have been Fed membership problem are being con made in the House of Representatives to sidered. These include: The July 10 proposal of the Federal extend Regulation Q authority for 3 years. For my part, I feel that an exten- Reserve Board under which it would re tion beyond the end of the next Con duce reserve requirements for member gress is not desirable inasmuch as a banks, impose charges for Federal Re longer extension would reduce the likeli serve System services, and either directly hood that the recommendations of the pay limited interest on reserves or im administration task force on interest rate pose ‘‘universal reserve requirements’’ on ceilings, which should be available within all financial institutions with more than a year, will receive timely consideration. $5 million of deposits in transaction ac I am today introducing legislation to counts. This proposal has been intro extend interest rate setting authority for duced by Senator Proxmire as S. 3304 2 years, until December 15, 1980. And I with two changes: First, to explicitly am including in this bill a provision authorize interest payments on reserves which would remove the interest rate dif and, second, to require charges for Fed ferential on time and savings accounts services by July 1980. The proposal of Congressman Reuss which can be automatically accessed by a third party payment account. This lat in H.R. 13847 which would modify the ter provision will promote greater com definition of bank liabilities subject to petitive balance among institutions, and reserve requirements and would impose it is consistent with the treatment of a flat uniform reserve requirement set NOW accounts in New England. I ask by the Federal Reserve Board between COMPENSATION OF MEMBERS unanimous consent that the bill be 5*2 and 6*4 percent on all reservable lia Sec. 7. (a) The Chairman of the Commis printed immediately following my bilities in excess of $100 million whether sion shall receive compensation at a rate remarks. of member or nonmember banks. This equal to the daUy rate prescribed for level III I hope that the Senate Banking Com $100 million exemption would be Indexed of the Executive Schedule under section 5314 of title 5. United States Code, and the Vice mittee will hold a markup session on this to allow for future Inflation and growth Chairman shall receive compensation at a bill In the near future so that we can in the economy. rate equal to the dally rate prescribed for be prepared to go to conference with the Finally, the Federal Reserve has pro level IV of the Executive Schedule under House of Representatives before the end posed modifications to H.R. 13847 which section 5315 of title 5. United States Code, of next month. would establish separate reserve require for each day the Chairman or Vice Chairman A second issue which should be for ments on two categories of deposits. De is engaged in the performance of the duties mally considered by the Banking Com mand and savings deposits in excess of vested in the Commission. (b) All other members of the Commis mittee before adjournment is the ac $25 million held by any commercial bank sion who are not officers or employees of the celerating decline in membership of the would be subject to a reserve requirement Federal Government shall receive compen Federal Reserve System. which would range between 7 and 9 per sation at the rate of $200 for each day such Since 1970, 430 member banks have cent. Time deposits in excess of $25 mil member is engaged in the performance of withdrawn from the system, resulting in lion would be subject to reserve require the duties vested in the Commission. a significant decrease In the amount of ments set by the Fed at 1 to 6 percent (c) All members of the Commission shall commercial bank deposits against which for those with maturities of less than be reimbursed for travel, subsistence, and reserves are held at the Federal Reserve. 6 months and at 1 to 3 percent for other necessary expenses incurred In connec The decline in Federal Reserve member those with maturities greater than 6 tion with their activities as members of the ship is of primary concern because it months. No inflation indexing would ap Commission. adversely affects the Federal Reserve's ply to the $25 million exemptions under AUTHORIZATION OF APPROPRIATIONS ability to achieve monetary policy ob the Fed proposal. Sec. 8. There are authorized to be appro jectives. Each of these proposals has advan priated such sums as may be necessary to Member banks now are seriously dis tages and disadvantages, but in my carry out the provisions of this Act. advantaged by maintaining substantial opinion each of them may also f ’ By Mr. BROOKE: ” noninterest earning reserves. Non encounter such significant opposi ; S. 3461. A bill to extend the authority member financial Institutions generally tion as to make resolution of the for the flexible regulation of interest are allowed to hold reserves in the form Federal Reserve membership prob rates on deposits and accounts in de of low risk, but nonetheless, interest lem unlikely in the near future. But the pository institutions and to provide that earning assets. The competitive dis erosion of Fed membership Is a serious there shall be no differential with respect advantage to member banks is apparent and growing problem in New England https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis August 24, 1978 and elsewhere in the country, and I think that Congress should consider this issue on a prompt basis. I would hope that when the Senate Banking Committee meets to consider the extension of regula tion Q authority next month, it would also consider pending proposals to deal with the Federal Reserve membership problem. In this regard, I am introducing for discussion purposes a bill which would attempt to resolve the Fed membership problem by providing member banks with an opportunity to cover their re serve obligations by the purchase of cer tificates of deposit issued by the Federal Reserve Bank in each Federal Reserve district. These certificates would bear interest at a rate ’/2 percent below the average return on the Federal Reserve System portfolio and it is expected that interest would be payable quarterly. To Insure that the funds represented by the certificates remain subject to the Fed eral Reserve's direct control, they could not be sold or otherwise transferred by a member bank to other than the Federal Reserve Bank which issued the certifi cate. Since the certificates would be is sued by a Reserve Bank, they would of course not be subject to statutory or regulatory provisions applicable to de posits held by member banks, such as in terest rate controls or prepayment penal ties. Providing certificates of deposit to members banks will lessen the burden of Fed membership while permitting the Federal Reserve to maintain control over reserve balances. The present structure of Federal Re serve reserve ratios generally provides lower reserve requirements for smaller member banks. The principal rationale for this is that the larger member banks utilize the presently free Federal Re serve services to a much greater de gree than smaller institutions. Although required reserve ratios are currently structured to provide compensation to tire Federal Reserve for tire services it provides, I believe that with the Federel Reserve's adoption of explicit pric ing for services there will be no need to maintain reserve ratios which differen tiate among different sized banks. Tirus, the bill I am introducing today would require the Federal Reserve to set re serve ratios which are uniform for all member banks. The principal objection which is like ly to be raised to this bill is that it will result in a loss of revenues to the Treasury, since the current earnings on noninterest bearing reserves accrue to the Treasury. From this perspective, noninterest bearing reserves amount to little more than a hidden tax on some of the Nations’ banks. We must remem ber. though, that the Treasury has no claim granted by Congress to take these funds from the banking system. Fur thermore, continued erosion of member ship is reducing the Reserve System's payments to the Treasury. However, I do not discount the significance of the potential revenue loss to the Treasury under this bill. It could net out to nearly $500 million after new tax receipts and revenue from https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis S 14333 CONGRESSIONAL RECORD —SENATE explicit Federal Reserve pricing of services are taken into account. But I would note that the administration has testified that losses to the Treasury of up to $350 million are acceptable to solve the membership problem. The ap proach embodied in the bill which I introduce today would involve only $150 million in greater losses and avoids the complications in the Federal Reserve Board's interest on reserve proposal of choosing tire appropriate rate of in terest for reserves and of justifying dif ferent rates for different sized institu tions. Mr. President, I would ask unanimous consent that the text of this bill be printed in the Record immediately fol lowing my remarks. Finally. Mr. President, I would note that the House of Representatives is cur rently considering H.R. 13471. the Fi nancial Institutions Regulatory Act of 1978. which is a counterpart to S. 71, the Financial Institutions Supervisory Act Amendments of 1977, which passed the Senate a year ago. I hope that the House will act on this bill before Congress adjourns. However, I must note that the House bill contains a number of titles on which neither the Senate nor the Senate Bank ing Committee has yet taken final action. These include: 1. Titles VI and VII—Changes In Bank Control: provide for review of changes in control of a Federally supervised bank, bank holding company, or savings and loan by the appropriate financial Institutions regulatory agency. Senate: No bill, hearings, or mark-up. 2. Title VIII—Correspondent Accounts: prohibits preferential treatment In the grant ing of loans to Insiders where correspondent relationships exist. Senate: No biU. no mark-up. Committee hearings in September 1977 on overdrafts and correspondent banking practices (outgrowth of Bert. Lance's bank dealings). 3. Title IX—Disclosure of Material Facts: requires every Federally supervised bank to file with the appropriate bank regulatory agency annual reports containing a list of major stockholders and executive officers and the aggregate amount of loans to such per sons. their affiliated companies, and political or campaign committees which are con trolled by or will benefit such persons. Senate: No bill, hearings, or mark-up. 4. Title X—Federal Financial Institutions Examination Council: establishes an exami nation council composed of top officials of the FDIC. Federal Reserve Board, the Comp troller of the Currency, and the National Credit Union Administration. The Council would develop uniform standards for exami nation of financial Institutions and improve coordination among the agencies on a variety of supervisory matters. Senate: S. 711. Federal Bank Examination Council bill, Committee hearings on Septem ber 16, and 19, 1977: no mark-up session. 5. Title XI—Right to Financial Privacy: gives Individuals notice of and an oppor tunity to challenge Federal government agency requests for their bank records. Ac cess to individual bank records would be governed by the procedures provided In this title and would help ensure that the cus tomer knows who is looking at his records. Senate: S. 2096, Financial Privacy bill. Committee hearings held on April 18, 20 and May 17, 1978, no mark-up session. 6. Title XIII—Holding Companies: pro hibits bank holding companies from selling other than credit-related life and disability insurance. Bank holding companies in com munities of less than 6,000 people and hold ing companies with less than $50 million in assets would be exempt. Senate: S. 72, Competition in Banking bill (restrictions on a holding company's growth and on its Insurance and other nonbanktng activities); Committee hearings on March 7, 8 and June 16. 1978; no mark-up session S. 3087 and S. 3216, bank holding company insurance activities; no hearings or mark-up sessions. 7. Title XIV—Amendments to the Nation al Banking Laws: repeals the 6 percent dividend limitation on preferred stock of fered by national banks and provides the Comptroller with various new powers, in cluding the authority to revoke a national bank's trust powers, to delegate his statu tory powers, and to declare national bank holidays when a Governor of a State declares a State bank holiday. Senate: No bill, hearings, or mark-up ses sions. 8. Title XV—Termination of Closed Re ceivership Fund: provides a procedure under which the Comptroller may terminate the National Bank Closed Receivership Fund which operated prior to the establishment of the FDIC in the 1930's. Senate: No bill, hearings or mark-up ses sions. 9. Title XVII—Regulation Simplification: requires the Federal financial institutions supervisory agencies to review and stream line their regulations. Senate: No bill, hearings, or mark-up ses sions. 10. Title XVin—Alternative Mortgage In struments: allows federally chartered thrift Institutions to offer alternative mortgage in struments in those States which allow them for State-chartered Institutions. Senate: Committee oversight hearings re garding alternative mortgage Instruments held on October 6 and 7, 1977 and on Au gust 21 and 22. 1978. S. 70, a bill to authorize alternative mort gage instruments; no mark-up sessions. S. Con. Res. 9, Concurrent Resolution that the Federal Home Loan Bank Board should authorize the use of a wide variety of mort gage instruments; no mark-up sessions. 9. 2455. a bill to authorize reverse annuity mortgages; no mark-tip sessions. 11. Title XIX—Prohibition on Credit Card Surcharges: makes permanent the prohibi tion against charging an extra fee for a con sumer who chooses to use a credit card to pay for goods or services. A temporary prohibition enacted 2 years ago on a test basis expires on February 1, 1979. Senate: No bill, hearings, or markup sessions. Many of these titles are. I believe, meritorious, and perhaps they should be accepted in conference with the House. However, I feel that members of the Sen ate Banking Committee should be given an opportunity to consider them. I would hope that when the committee meets to consider an extension of regulation Q authority and the Federal Reserve mem bership proposals. Members would take the opportunity to express their views on those titles which have not yet been considered by the Senate. There being no objection, the bills were ordered to be printed in the Record, as follows: S. 3461 Be tt enacted by the Senate and House of Representatives of the United States of America in Congress assembled. Section 1. Section 7 of the Act of Septem ber 21, 1966 (Public Law 89-697), Is amended by striking out ''December 15, 1978" and in serting in lieu thereof "December 15, 1980". S14334 CONGRESSIONAL RECORD — SENATE Sec. 2. Section 102 of Public Law 94-200 (12 U.S.C. 461 note) Is amended by Inserting at the end thereof the following new sub section: "(c) In any State where any provision of State or Federal law authorizes any savings and loan, building and loan, or homestead association (including any cooperative bank) the deposits or accounts of which are Insured by the Federal Savings and Loan Insurance Corporation or any mutual savings bank, as dehned In section 3(f) of the Federal Deposit Insurance Act (12 U.S.C. 1813 (f)). to offer any third party-payment account, there shall be no interest rate differential between (1) banks (other than savings banks) the de posits of which are Insured by the Federal Deposit Insurance Corporation and (2) sav ings and loan, building and loan, or home stead associations (Including cooperative banks) the deposits or accounts of which are Insured by the Federal Savings and Loan In surance Corporation or mutual savings banks, as defined ln section 3(f) of the Federal De posit Insurance Act (12 U.S.C. 1813(f)). on savings accounts from which automatic transfers to third-party payment accounts may be made pursuant to the prearranged agreement of depositors or accountholders. Notwithstanding any of the provisions of subsection (b) of this section, the maximum rate of interest payable on such accounts shall be the rate which banks (other than mutual savings banks) Insured by the Fed eral Deposit Insurance Corporation may pay on such accounts." S. 3462 Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled. Section 1. The last sentence of subsection (b) of section 19 of the Federal Reserve Act (12 U.S.C. 461) Is designated as paragraph (5) and that part of subsection (b) that precedes that sentence is amended to read as follows: "(b)(1) Every member bank shall main tain reserves against Its demand deposits in such average ratio, not less than 3 per centum nor more than 10 per centum, as shall be determined by the Board. (2) Every member bank shall maintain reserves against its savings deposits from which transfers to third parties may be made in such average ratio, not less than 2 per centum nor more than 7 per centum, as shall be determined by the Board (3) Every member bank shall maintain reserves against its time and savings deposits other than those referred to ln paragraph (2), in such average ratio, not less than 1 per centum nor more than 7 per centum, as shall be determined by the Board. (4) In setting the reserve ratlcs under paragraphs (1) through i3l of this subsec tion. the Board shall establish uniform ratios applicable to all member banks.” Sec. 2. Section 19(c) of the Federal Reserve Act (12 U.S.C. 461) Is amended to read as follows: "(c) Reserves held by any depository insti tution to meet the requirements Imposed pursuant to subsection (b) of this section shall be In the form of (1) balances maintained for such purpose by such Institution at a Federal Reserve Bank, and (2) the currency and coin held by such institution. Reserve balances maintained at a Federal Reserve Bank may be used, ln their entirety, to purchase certificates of deposits which shall be Issued for such purpose by the ap propriate Federal Reserve Bank. Such certifi cates, with Interest payable at a rate y2 percent below the average return on the Federal Reserve System portfolio, shall be nontransferable and non-assignable. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis ADDITIONAL COSPONSORS S. 2840 At the request of Mr. Ribicoff, the Senator from Iowa (Mr. Clark) was added as a cosponsor of S. 2640, a bill to reform the civil service laws. S. 2863 At the request of Mr. Nelson, the Sen ator from Illinois (Mr. Percy) was added as a cosponsor of S. 2865. a bill to amend the Internal Revenue Code of 1954 to provide a more equitable estate tax treat ment of joint interests in farm and closely held business property. S. 3345 At the request of Mr. Nelson, the Sen ator from Nebraska (Mr. Curtis) was added as a cosponsor of S. 3345, a bill to amend the Internal Revenue Code of 1954 with respect to the tax treatment of small business investment companies electing to be taxed as regulated invest ment companies. S. 3419 At the request of Mr. Culver, the Sen ator from New Mexico (Mr. Schmitt) was added as a cosponsor of S. 3419, a bill to amend the Internal Revenue Code of 1954 to exclude from gross income a portion of payments made under certain Federal and State cost-sharing programs the primary’ purpose of which is conser vation of soil and water resources, envi ronmental protection or restoration, forest enhancement, or the provision of wildlife habitat. AMENDMENT NO, 3441 At the request of Mr. Randolph, the Senator from Maryland (Mr. Mathias) and the Senator from Minnesota (Mrs. Humphrey) were added as cosponsors of Amendment No. 3441 intended to be pro posed to S. 2600, the Rehabilitation, Comprehensive Services and Develop mental Disabilities Act of 1978. SENATE RESOLUTION 826 At the request of Mr. Dole, the Senator from New York (Mr. Moynihan) and the Senator from Florida (Mr. Stone) were added as cosponsors of Senate Resolu tion 526, commemorating the 10th an niversary of the Soviet invasion of Czechoslovakia. SENATE RESOLUTION 546—ORIGI NAL RESOLUTION REPORTED WAIVING CONGRESSIONAL BUDG ET ACT Mr. SPARKMAN, from the Commit tee on Foreign Relations, reported the following original resolution, which was referred to the Committee on the Budget: S. Res. 546 Resolved. That pursuant to section 402(c) ol the Congressional Budget Act of 1974, the provisions of section 402(a) of such Act are waived with respect to the considera tion of S. 3161. Such waiver Is necessary to allow the authorization of $1,360,000 ln funds for the National Commission on the Inter national Year of the Child, without fiscal year limitations. Compliance with section 402(a) of the Congressional Budget Act of 1974 was not possible by the May 15. 1978, deadline, be August 2Jf, 1978 cause there had been Inadequate time for the newly created National Commission to formulate its plans, programs and budget. Further, the proposed legislation was not submitted by the Administration as a re quest until May 26. 1978. The effect of defeating consideration of this authorization will be to handicap pro grams and activities of the National Com mission and to curtail U S. participation as a national entity ln the United Nations International Year of the Child. The desired authorization will not delay the appropriation process and could be ac commodated ln a supplemental approprlatlou. This authorization is sufficiently small that It will not significantly affect the congres sional budget. SENATE RESOLUTION 547—SUBMIS SION OF A RESOLUTION RELAT ING TO PRESERVATION AND RES TORATION OF RHODES TAVERN Mrs. HUMPHREY (for herself. Mr. Anderson. Mr. Hayakawa. Mr. Leahy, Mr. Mathias, and Mr. Matsunaca) sub mitted the following resolution, which was referred to the Committee on En ergy and Natural Resources: S. Res. 547 Whereas Rhodes Tavern, which dates back to 1799. 1s the oldest building between the White House and the Capitol and the last remaining example of 18th century commer cial architecture in the central compass of Washington and is threatened with destruc tion: Whereas Rhodes Tavern Is the only build ing to remain on the inaugural route from the day that President Thomas Jefferson began the tradition of the Inaugural Parade; Whereas Rhodes Tavern is known to have served as the headquarters for the British commanders during the burning of the White House and the Treasury In 1814; Whereas Senators Daniel Webster and Thomas Hart Benton, and Presidents An drew Jackson, Martin Van Buren. John Ty ler. Theodore Roosevelt. William Howard Taft, and Woodrow Wilson were all associ ated with Rhodes Tavern ln the course of their careers; and Whereas the 179-year-old tavern Is of un questionable historic value to the Nation and the American people: Now, therefore, be it Resolved. That the Senate expresses Its strong interest and concern ln the preserva tion and restoration, for the benefit and In spiration of present and future generations of Americans, of Rhodes Tavern, a building of unique historical significance located In the District of Columbia near the White House, opposite the Treasury Department Building at the northeast corner of 15th and F Streets. N.W.; and encourages every effort to be made by the National Trust for Historic Preserva tion, the Commission of Fine Arts, the Dis trict of Columbia Historic Preservation Office, the Mayor of the District of Columbia, and the Council of the District of Columbia for the preservation of Rhodes Tavern and Its restoration to its original condition, or as near thereto as possible. Sec. 2. The Secretary of the Senate shall transmit copies of this resolution to the Na tional Trust for Historic Preservation, the Commission of Fine Arts, the District of Columbia Historic Preservation Office, the Mayor of the District of Columbia, and the Council of the District of Columbia. HISTORIC RHODES TAVERN THREATENED • Mrs. HUMPHREY. Mr. President, it has come to my attention that a building https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis BOARD OF GOVERNORS FEDERAL RESERVE SYSTEM 1978 HUG28 0R||: 19 OFFICE OF THE CHAIRMAN August 28, 1978 To: Board of Governors From: Ken Guenther Subject: ABA Report on Resolutions Taken at Last Week's Leader ship Meeting Attached is a copy of the ABA Perspective which reports on the decisions taken by the ABA Banking Leadership Conference last week. Attachment cc: Messrs. Ettin, Brundy, Quick, O'Brien, Allison, Petersen, Raiken Schwartz, McNeill ’ https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Removal Notice The item(s) identified below have been removed in accordance with FRASER's policy on handling sensitive information in digitization projects due to copyright protections. Citation Information Document Type: Newsletter supplement Citations: Number of Pages Removed: 2 American Bankers Association. "Perspective." August 29, 1978. Federal Reserve Bank of St. Louis https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis https://fraser.stlouisfed.org HENRY S. REUSS. WIS.. CHAIRMAN THOMAS L. ASHLEY. OHIO WILLIAM S. MOORHEAD. PA. FERNAND J. ST GERMAIN. R.l. HENRY B. GONZALEZ. TEX. JOSEPH G. MINISH. N.J. FRANK ANNUNZIO. ILL. JAMES M. HANLEY. N.Y. PARREN J. MITCHELL. MD. WALTER E. FAUNTROY. D.C. STEPHEN L. NEAL. N.C. JERRY M. PATTERSON. CALIF. JAMES J. BLANCHARD. MICH. CARROLL HUBBARD. JR.. KY. JOHN J. LAFALCE. N.Y. U.S. HOUSE OF REPRESENTATIVES COMMITTEE ON BANKING. FINANCE AND URBAN AFFAIRS GLADYS NOON SPELLMAN, MD. LES AUCOIN. OREG. PAUL E. TSONGAS. MASS. BUTLER DERRICK. S.C. MARK W. HANNAFORO. CALIF. DAVID W. EVANS. INO. NORMAN E. O'AMOURS. N.H. STANLEY N. LUNDINE. N.Y. EDWARD W. PATTISON. N.Y. JOHN J. CAVANAUGH. NEBR. MARY ROSE OAKAR, OHIO JIM MATTOX. TEX. BRUCE F. VENTO, MINN. DOUG BARNARD. GA. WES WATKINS. OKLA. ROBERT GARCIA, N.Y. Ninety-Fifth Congress 2129 Rayburn House Office Building WASHINGTON, D.C. 20515 J. WILLIAM STANTON. OHIO GARRY BROWN. MICH. CHALMERS P. WYLIE. OHIO JOHN H. ROUSSELOT. CALIF. STEWART B. MCKINNEY. CONN. GEORGE HANSEN. IDAHO HENRY J. HYDE. ILL. RICHARD KELLY. FLA. CHARLES E. GRASSLEY. IOWA MILLICENT FENWICK. N.J. JIM LEACH. IOWA NEWTON I. STEERS. JR.. MO. THOMAS B. EVANS. JR.. DELBRUCE F. CAPUTO. N.Y. HAROLD C. HOLLENBECK. N.J. S. WILLIAM GREEN. N.Y. September 5, 1978 Honorable G. William Miller Chairman Board of Governors Federal Reserve System Washington, D.C. 20551 Dear Mr. Chairman: Enclosed for your information is a packet of materials sent to all members of the House Committee on Banking, Finance and Urban Affairs this morning. The Committee will begin its markup of H.R. 13847 on Thursday, September 7 at 9:30 a.m., at which time I will offer a series of amendments as indicated in my memorandum. The assistance of your staff at the Federal Reserve is greatly appreciated. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Sincerely Henry S. Reuss Chairman HENRY S. REUSS. WIS.. CHAIRMAN THOMAS L. ASHLEY. OHIO WILLIAM S. MOORHEAD. PA. FERNAND J. ST GERMAIN. R.l. HENRY B. GONZALEZ. TEX. JOSEPH G. MINISH. N.J. FRANK ANNUNZIO. ILL. JAMES M. HANLEY. N.Y. PARREN J. MITCHELL. MD. WALTER E. EAUNT ROY. D.C. STEPHEN L. NEAL. N.C. JERRY M. PATTERSON. CALIF. JAMES J. BLANCHARD. MICH. CARROLL HUBBARD. JR.. KY. U.S. HOUSE OF REPRESENTATIVES COMMITTEE ON BANKING, FINANCE AND URBAN AFFAIRS Ninety-Fifth Congress 2,29 Rayburn House Office building WASHINGTON, D.C. 20515 JOHN J. LAFALCE. N.Y. GLADYS NOON SPELLMAN. MD. LES AUCOIN. OREG. PAUL E. TSONGAS. MASS. BUTLER DERRICK. S.C. September 1, 1978 J. WILLIAM STANTON. OHIO GARRY BROWN. MICH. CHALMERS P. WYLIE. OHIO JOHN H. ROUSSELOT. CALIF. STEWART B. MCKINNEY. CONN. GEORGE HANSEN. IDAHO HENRY J. HYDE. ILL. RICHARD KELLY. FLA. CHARLES E. GRASSLEY. IOWA MILLICENT FENWICK. N.J. JIM LEACH. IOWA NEWTON I. STEERS. JR.. MD. THOMAS B. EVANS. JR.. DEL. BRUCE F. CAPUTO. N.Y. HAROLD C. HOLLENBECK. N.J. B. WILLIAM GREEN. N.Y. 22S-4247 MARK W. HANNAFORD. CALIF. DAVID W. EVANS. IND. NORMAN E. O'AMOURS, N.H. STANLEY N. LUNDINE. N.Y. EDWARD W. PATTISON. N.Y. JOHN J. CAVANAUGH. NEBR. MARY ROSEOAKAR. OHIO JIM MATTOX. TEX. BRUCE F. VENTO. MINN. DOUG BARNARD. GA. WE3 WATKINS. OK LA. ROBERT GARCIA. N.Y. MEMORANDUM TO: All Members, Committee on Banking, Finance and Urban Affairs FROM: Henry S. Reuss, Chairman 1. On Thursday, September 7, at 9:30 a.m., and at 9:30 a.m. each morning on September 8, 11 and thereafter until our work is done, the Committee will meet to markup H.R. 13847, a bill "to facilitate the implementation of monetary policy and to promote competitive equality among banks" introduced for myself with 22 members of our Committee. Evening sessions will be called if necessary. A Banking Committee staff report on this legisla tion and amendments thereto, proposed by the Federal Reserve Board, was transmitted to Committee members on August 17.(Attach ment I) 2. Also transmitted to all members on August 28 was a copy of an August 25 letter from the Chairman of the Federal Reserve Board setting forth in more detail the justification for the Federal Reserve’s proposed amendments . (Attachment II) 3. The Federal Reserve has accepted two of the central provisions contained in H.R. 13847: https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis ...the collection of summary monetary information from non-member depository institutions, and ...the introduction of nearly uniform reserve require ments . -2These provisions will substantially improve the Federal Reserve's ability to control the money supply. By reserving demand deposits and savings deposits at the same rate, the bill recognizes the erosion of the distinction between these two classes of deposits, an erosion which will be formally recognized by the Federal Reserve on November 1, 1978, or shortly thereafter, when it intends to implement its regulation to allow automatic transfer from savings accounts to demand deposits for its member banks. .4. In line with our August 17 staff report, I believe that our Committee should accept, in full or in part, all but three of the areas in disagreement with the Federal Reserve. 5. Most important, I believe that we should accept the Federal Reserve’s position that different reserve requirements should be imposed on time deposits, especially long term time deposits, than on demand deposits, NOWs and savings deposits. 6. Further agreements with the Federal Reserve were reached this week as follows: ...to defer imposing reserve requirements on short term bank borrowings for 9 months, while the Board studies the question in depth to determine more precisely what, if any, of such borrowings should be made subject to reserve requirements; ...to index the exemption so as to keep a fixed pro portion of total bank deposits subject to reserve requirements; ...to minimize the loss of income to the Treasury and maintain the competitiveness of banks in time deposit markets, initial reserve ratios, which would be phased in for member banks over a two year period, should be as follows: Reserveable Liabilities Initial % Permanent Range 7 6-8 2a. Time deposits with ma turities of 179 days or less 6 1-6 2b. Time deposits with ma turities of 180 days or more 1 1-3 1. Demand deposits, NOWs and savings accounts https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis -3- 7. The three areas of disagreement which remain with the Federal Reserve concern: a) ...the level of the exemption in determining re serve requirements; H.R. 13847 would exempt the first $100 million of reserveable liabilities. In accordance with the Federal Reserve’s desire for differential reserve requirements on demand, savings and NOW accounts on the one hand and time deposits on the other hand, I propose to amend this provision of H.R. 13847 by exempting the first $50 million of demand deposits, NOWs and savings accounts, and also the first $50 million of time deposits, from all reserve requirements. In the attached Ramseyered bill (Attachment III), the proposed amendment strikes lines 4 through 20 on page 4 and substitutes lines 21-25 on page 4, lines 1-27 on page 5 and lines 1-25 on page 6. The Federal Reserve would exempt only the first $25 million of each of these two categories of reserveable liabili ties. Under my suggested amendment, 225 banks not now subject to Federal Reserve reserve requirements would be required to maintain reserves with the Federal Reserve; whereas, under the Federal Re serve’s proposal, an estimated 675 would have to maintain reserves with the Federal Reserve. b) ...whether to subject to reserve requirements those thrift institutions which offer transactions balances; The Federal Reserve would apply reserve requirements to thrift institutions' transactions balances with an exemption for the first $25 million. The proposed amendment can be found on pages 12 and 13 of the attached August 17 staff report. It is called Amendment G. Only five thrifts would not be fully exempt at the present time, so the proposed amendment would accomplish little. c) ...whether to consolidate holding company banks in calculating reserve requirements. The Federal Reserve would not allow new banks in a holding company separate exemptions from their parent companies. The relevant Federal Reserve amendments here are I and J, and can be found on pages 13-15 of the August 17 staff report. It seems premature to reserve transactions balances in thrifts because that might discourage thrifts from further develop ing transactions accounts. Nor is there any compelling reason to consolidate banks in a holding company in calculating reserve re quirements . 8. Also attached are the positions of the Independent Bankers Association (Attachment IV) and the American Bankers Association (Attachment V). The IBA supports H.R. 13847, with four perfecting https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis ~ ’ z -4- araendments, three of which I believe merit support — to minimize paper work, to eliminate any certification requirement for state chartered non-member banks seeking access to the discount window, and to clarify the preemption of state reserve requirements by the new federal requirements. The ABA supports a flat reduction of required reserves, which would be costly — $700 million annual cost to the Treasury for a $10 billion reduction in reserves — and which would not solve the Federal Reserve’s membership problem. As indicated by the attached new cost estimate (Attachment VI) our H.R. 13847 proposal, as amended, will cost the Treasury $250 mil lion annually. 9. A copy of H.R. 13847, as originally introduced, along with the above discussed amendments which I have recommended are enclosed. As to the "three areas of disagreement" with the Fed eral Reserve discussed above, I shall see that they are presented for Committee debate and action at the proper point. At the beginn ing of the session Thursday, September 7, in order to facilitate this procedure, I shall request that the bill, H.R. 13847 be open for amendment at any point and all of the above amendments will be offered, in chronological order, following which any other amend ments will be considered. 10. This legislation is the most important monetary legisla tion which has been before the Congress since 1935. I hope we can report it out of Committee promptly, so that we may seek speedy floor action, leaving enough time for the Senate to work its will and have legislation on its way to the White House prior to sine die adjournment. Attachments: I. Committee Staff Report on H.R. 13847 II. Letter from Chairman G. William Miller, August 25, 1978 III. Ramseyered bill, H.R. 13847 IV. IBA Release, August, 1978 V. "Perspective", ABA, August 29, 1978 VI. New Cost Estimate https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis CHAIRMAN MILLER For Information Only https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM WASHINGTON, □. C. 20551 ML B' G. WILLIAM MILLER CHAIRMAN August 25, 1978 The Honorable Henry S. Reuss Chairman Committee on Banking, Finance and Urban Affairs House of Representatives Washington, D. C. 20515 Dear Henry: . • The report of the House Banking Committee majority staff on H. R. 13847 provides a useful analysis of the key provisions of this important bill. The report reflects substantial areas of agreement. The Board now desires to give you its more detailed comments with regard to the remaining areas of difference. Federal Reserve Amendments B, C, and E These proposed amendments to H. R. 13847 encompass important areas of disagreement--determining the size of the exemption from reserve requirements, indexing of that exemption, defining reservable liabilities, and establishing initial reserve ratios and ranges. Exempted liabilities and indexing. As you know, the Board believes that a deposit exemption totaling $50 million is near the minimum consistent with effective monetary control, and that proposed indexing of the exemption could further erode the share of deposits subject to reserve requirements. The $100 million exemption con tained in H. R. 13847 would reduce the initial share of deposits subject to reserve requirements below that existing at present, and could make the task of monetary control more difficult, contrary to the purpose of the proposed legislation. The Board’s proposed exemption level would impose reserve requirements on a larger number of nonmember banks. The Board is sensitive to the added costs reserve requirements would place on such banks, and for this reason we have proposed a four-year phase-in of reserve requirements, an amendment which Committee majority staff supports. In the Board’s view, the necessity of conducting an https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis The Honorable Henry S. Reuss Page Two effective monetary policy outweighs the costs to be placed on additional nonmember banks. Furthermore, it is worth emphasizing that of the about 850 additional nonmember banks that our lower exemption would make sub ject to reserve requirements, close to half would be able to meet their required reserves with their existing holdings of vault cash. Preliminary research by the Board staff--which will be fully shared with the Committee staff upon completion--has identified economic and operational difficulties with the concept of indexing. Abrupt yearto-year changes in individual bank coverage and large revisions in estimates of statistics used to establish the index are among these problems. Prior to the September 7 markup, our staffs will be able to explore further this issue, as well as the interrelationship between indexing and the exemption level. Among other matters, staff could consider a procedure for adjusting the exemption level from time to time to keep the share of deposits at banks subject to reserve require ments at a predetermined level. Reservable liabilities. The Board, as previously stated, continues to believe that the wording of H. R. 13847 with regard to Federal funds borrowings and repurchase agreements on U. S. Government securities is too broad. Inclusion of interbank borrowings would reduce the efficiency with which reserves can be distributed around the banking system. Even limiting reserve requirements to such borrowings from nonbank lenders might produce undesirable side effects. Furthermore, imposing reserve requirements on Federal funds and repurchase agreements on U. S. Government securities might not sig nificantly reduce the volume of such borrowings, but merely re-channel it as banks develop ways to avoid reserve requirements on these kinds of liabilities. If such re-channeling does not occur, reserves against repurchase agreements would place banks at a competitive disadvantage in money markets since they could not profitably afford to pay a rate to nonbank investors on short-term borrowings equaling that paid by nonbank securities dealers, finance companies, and others. In addi tion, banks could very well reduce their demand for Treasury securi ties if, as a result of reserve requirements, it became less profitable to use them to secure repurchase agreements. These factors suggest that the issue is complex and requires further study. Therefore, the Board once again urges that reserves not be required on Federal funds and repurchase agreements. However, https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis The Honorabl Page Three ^rrxs to such ‘°™oXX\XXh< Board6 ““ deposit reserve P-S iTtX staff comments «;,X»^^~^£g_and ranges. Demand deposits, NOW's and savings accounts 2. 8 The Commit-1- 7 to 9 6 to 8 Time deposits with maturities of 179 days or less* 1 to 6 3. 3 to 8 Time deposits with maturities of I80 days or more 1 to 3 1 to 3 The Committee majority staff proposal with regard to h,. ,ld nOt comment on the FoH 1 with —■ - xxxrld - ---^VaTrX-- X'wLra'raT3' short-™™'*6 maJ°rity Staff higher than theTvel 0/1° ” PCr Cent’ This initial rati’1^ °f 7 pe 1 P6r —d - ^e1 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis The Honorable Won Page Four y S* Rcuss amendment to H R requirements at'th368’ the B°^ sees ^P°sits are not USed f “ events required 3PPly a reserve of per- , itial res -uee ™ ®evings deposi'ts^^^ rati° end range'‘for ^e se proposais- .necessary to" on cheir epply the sa^rese^^ Staff °PP°ses the accounts as would be ® 7"10 and exemption to" pr°P°Sed amendment to -"^ery Policy arSue for such an'- ? h equIty end Slt*°n cost from the i^osi^aZ hava a moL a the Board's letter of A ments. ‘"“>-0 tic^ c^” Ot reserve requireere growing ranidlv emPhasized that tra to conduct monetary and that improving themedtlOns balances at thrift ^creasi„giy u„der*X r7 ParX^T1Reserve's abili^ it bT r^uirements „o£they ara not'brougbVCitb - 13847~vill be7 rt had gained a foothold r’ no thrift would whln the ambit of same exemption for its^ the market since it be,affected until thrift had established ^an,sactions accounts as receive the https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis At the same time m PP y t0 further ’ COrnrnercial banks of The Honorable Henry S. Reuss Page Five b^XTtheir^avS anVt•“S tOtal resarves costs, thrifts would not be-subject to ^e^Juire^ts. °f requirement X'd^of courst, tettg^e fo^ t0 count window, payments mechanism access to the disThrift institutions possesstg ^fncie^^^ Se"icei Affiliated Banks level of dXitrtuld^'X^'banks'to^o^ °f SOme branches in order to obtain multiple f afflllates rather than reserve requirements. The Committee thereby avoid these concerns for several reZns sta« does not share that loan li'»itationsVrelatedatonc;pitairn;„,,:M maJorlty staff atuei establishment of branches rather tha fcal provide an incentive for limitations based on capital are not" “fflliates- Hoover, loan banks can and do easily participate C°nStrainin8 siace affiliated the majority staff points out that the "S ™°nS themselves. Second, between large and small banks is^reater“ffential in ^s^rve ratios H. R. 13847, and that the incentive to reserve requirements will he af • - i. is quite concerned that tht meSd^ laW than Under rm a^'blblates to avoid The Board IS possible at present. Consequently wTbeU8 reServe requirements eliminate this incentive for presenZmemh e^le're 18 lmP°rtant to a new incentive for nonmembetbanks be ban^s ’ and avoid creating requirements. The Committedmajor t C° Board now has the power to annrmJ lso ar8ues that the new holding company affiliates and that 1“t"nent °r acquisition of used to prevent avoidance of reserve re t ® aUChoricy could be not clear that the Board can reject apDlicItraentS‘ ,However> ifc is basis that it believes the affilit applrcations solely on the serves, nor could it easily Drnvp ° hS Clng formed to avoid rea standard for rejecting an „’h" * Conclusl°a even if such the Board urges adoption of its established. Thus, affiliated groups formed in te future^s ent J’ "hich treats serve purposes, but grandfathe^i!^ ^i^^ https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis The Honorable Henry S. Reuss Page Six I hope that these comments contribute to further progress in resolving these important issues and that our dialogue will con tinue to be productive and useful. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Sincerely, BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM 8-21-78 Date To:Chairman Miller _____________ From: KEN GUENTHER ( ) Per Conversation ( ) For comments and suggestions ( ) For your information ( ) Phone me re attached Bill-- The attached has just become available to the world* Note the Reuss transmittal letter. Reuss specifically does urge rejection of the Board’s "bank affiliate amendment" in addition to urging the rejection of the $25 million exemption level and any reserve requirements for thrifts. ( ) Over https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis [COMMITTEE PRINT"! H.R. 13847 A BILL TO FACILITATE THE IMPLEMENTATION OF MONETARY POLICY AND TO PROMOTE COMPETITIVE EQUALITY AMONG COM MERCIAL BANKS COMMITTEE ON BANKING, FINANCE ANI) URBAN AFFAIRS HOUSE OF REPRESENTATIVES 95th Congress, Second Session AUGUST 1978 Printed for the use of the Committee on Banking, Finance and Urban Affairs U.S. GOVERNMENT PRINTING OFFICE 32-431 0 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis WASHINGTON : 1978 LETTER OF TRANSMITTAL August 17, 1978 house committee on ba™, finance and nKBAN AFFAIRS HENRY S. REUSS, Wisconsin, Chairman THOMAS L. ASHLEY, Ohio J. WILLIAM STANTON, Ohio F™ttIn-TMo°?RHEAD’ Pennsyl™nia GARRY BROWN, Michigan HfS^ r L T GERMAIN- Rhode island CHALMERS P. WYLIE, Ohio HENRY B. GONZALEZ, Texas JOHN H. ROUSSELOT, California JOSEPH G. MINISH, New Jersey GEORGpV’ AICKINNEY- Connecticut FRANK ANNUNZIO, Illinois GEORGE HANSEN, Idaho JAMES M. HANLEY, New York HENRY J. HYDE, Illinois PARREN J. MITCHELL, Maryland RICHARD KELLY, Florida WALTER E. FAUNTROY, CHARLES E. GRASSLEY, Iowa District of Columbia J»LLICENT FENWICK, New Jersey tJd«IIEN L' NEAL- North Carolina JIM LEACH, Iowa JERRY M. PATTERSON, California NEWTON I. STEERS, Jr., Maryland JAMES J. BLANCHARD, Michigan GARR°LtL HUBBARD, Jr., Kentucky EVANS-Jr- Delaware BRUCE F. CAPUTO, New York JOHN J. LaFALCE, New York ? A wr?T L E S* HOLLENBECK, New Jersey ?vcA?7S N°°N SPELLMAN, Maryland S. WILLIAM GREEN, New York LES AUCOIN, Oregon PAUL E. TSONGAS, Massachusetts BL'TLER DERRICK, South Carolina W- HANNAFORD, California DA\ ID W. EVANS, Indiana NORMAN E. D’AMOURS, New Hampshire STANLEY N. LUNDINE. New York EDWARD W. PATTISON, New York JOHN J. CAVANAUGH, Nebraska MARY ROSE OAKAR, Ohio JIM MATTOX, Texas BRUCE F. VENTO, Minnesota DOUG BARNARD, Georgia WES WATKINS, Oklahoma ROBERT GARCIA, New York Pavl Nelson, aerk and Staff Director Michael P. Flaherty, Counsel Grasty Crews ir, Counsel Graham JaCKS0N* Minor»V Staff Director Graham T. Northvp, Deputy Minority Staff Director To All Members of the Committee on Banking, Finance and Urban Affairs of the U.S. House of Representatives Transmitted herewith is a staff report on H.R. 13847, the Federal Reserve Act Amendments of 1978, a bill "to facilitate the implementation of monetary policy and promote competitive equity among commercial banks", and on amendments to the bill which have been proposed by the Federal Reserve Board. The consensus of our Committee meeting on Monday, August 14, was that such a study will enable us to move more expeditiously with a markup of the bill at 9:30 a.m. September 7 and at the same hour on September 8, and on September 11 and on each day thereafter until action is completed. You should note that of the eleven amendments recommended by the Federal Reserve (A thru K) the staff recommends adoption of Amendment A; adoption of parts and some changes in Amendments B, C, and E; adoption of Amendment D; adoption of Amendment F; rejection of Amendment G; adoption of Amendment H; rejection of Amendments I and J; and substantial adoption of Amendment K. The views expressed in this report, which has not been officially adopted by the Committee, may not necessarily reflect the view of a given Member. (II) I hope this will fulfill your need for light reading over the recess. Henry S. Reuss Chairman, Committee on Banking, Finance and Urban Affairs (in) https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis THE FEDERAL RESERVE ACT AMENDMENTS OF 1978 Purposes of H.R. 13847 The purposes of H.R. 13847 are 1) to improve the conduct of ' monetary policy, 2) to promote competitive equity, and 3) to re solve the Federal Reserve System’s membership problems, and to do so with minimal cost to taxpayers. H.R. 13847 was introduced on August 11, 1978 by Mr. Reuss for himself and twenty-one other members of the Banking Committee following hearings on several proposals to deal with the problem raised by Federal Reserve membership erosion. Hearings were held on July 27, July 31, August 4 and August 11 and testimony was taken from sixteen witnesses, including Chairman G. William Miller of the Federal Reserve Board, Chairman George A. LeMaistre of the Federal Deposit Insurance Corporation, representatives of industry groups and bank and academic economists. There was a consensus that to control the money supply the Federal Reserve should be able to obtain whatever information it needs from all depository institutions. The hearings also produced a consensus that a system of more uniform reserve requirements would help solve the Federal Reserve’s membership problem as well as greatly improve the ability of the Federal Reserve to control the money supply. The testimony further showed that any system of nearly uniform reserve requirements must be designed to maintain the viability and competitive equity of (i) https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 2 3 H r no„-, ' ' WaS deVel°Ped based - these two prin_ smaller banks. ciples. The Federal Reserve also is given power to fix separate reserve requirements for Eurodollars for purposes of monetary con 13”7 '“1“- ^I.bysZ“” Z7 “ 5. trol . tary P°liCy b* authorizing thTKXl1™6 the C°ndUCt tO C°UeCt th™ugh appropriate regulatory and sup0rv and asset data needed for m a3eno1^ current liability t Posltory institutions. Section_3. mOne" " Section 3 defines resaleable liabilities w • against which (<i™' — - 4 8 hours or less. ^ich mature It exempts the first elnn from ,u reouir “ °f SUCh Abilities requirements and indexes th 3 T. . the exemption to GNP Jt imposes a single flat , .< 6 Percent on all resaleable'liabilit • 2- ab-ws the Federal Reserve to _y between 5% and 6% per_ ct monetary control in extra Non-member banks required to hold reserves would have ac Other non-member banks would have access to the discount window for purposes of safety and soundness upon certification of need by the FDIC or an appropriate state bank supervisory authority Section 4. Section 4 reaffirms the authority of any officer or agency of any State over any commercial bank organized or existing under the laws of such State. Section 5. Section 5 provides that section 2 is to take ef fect on the first day of the sixth calendar month which begins af ter the date of enactment, and section 3, on July 1, 1979, or such earlier date as may be designated by the Board of Governors of the Federal Reserve System. Effects of Section 3 1. Based on 1977 year-end data supplied by the Federal Re The Pe<3eral Rese™e is given power tQ ments outside the 5% to 6% percent i • 7. — - cent for purposes of purposes of monetary control. 4‘ with more than $100 million in reserveable liabilities. 8. Section 3 would further help in thi reserves would have to be held - time) plus net Federal f d Reserve requirements are applied to all commercial banks cess to the discount window and to all Federal Reserve services. ".mmizing differences i„ reServe r • among types of deposits. e9uirements among banks and I- 6. • serve, all but some 1,018 of the nation's nearly 14,000 banks will rSSerVe reguire- be exempt from any federally imposed reserve requirements includ eStab^ed for purposes d ing nearly 5,000 current Federal Reserve members. *>ys and renewable The r " Of the 1,018 ^ood for 30 banks which will be subject to reserve requirements 719 are al -Plained to Congress https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis ^e to be ready member banks and hold reserves. The remaining 299 non-member 4 banks, those with over $l00 Qf would become subject to reserve . 299 non-member banks are fo 5 SGrVeable liabilities< 9Ulrer“ents. • (A number of these Whl°h' Under the Internet- i°nal Banking Act of l978 now nearing leoi<5i=+-...... ’* '» ».l. the shifting of deposits among demand, savings and time deposits and among banks with differing marginal reserve requirements. The Federal Reserve would have unrestricted power to temp 5 orarily vary the reserve requirement up or down in extraordinary Circumstances. 2’ T°tal reserves of m v billion currently to $29 bil^ $3? Nineteen out of 20 of i-h Y m°^e than 20 percent. At other times, it would retain discretionary au thority to adjust the requirement between 5% and 6^ percent for purposes of monetary control. These limits are designed to restrict the Federal Reserve's power to set what in reality are taxes on substantially reduced Onl re<^e—y high proportiQns ;otai dem2; — —h now have ex- banks. P°SitS C°“ld be allowed to fix separate reserve requirements on (a) net balances adversely affected. Th Information on the res SUCh banksH‘R’ “847 will i»pose on each of the 1 018 —.. »... 3The Federal Reserve's m k tially resolved by the revisions in Y^ would be eliminated. requirements contemnow be members . * Second, tO ' Wi directly related foreign offices and to nonrelated foreign banks, and (b) loans to United States residents made by overseas offices 7. hold reserves, whether members of Y F^0 ^entive for large banks to owed by domestic offices of banks in the United States to their of banks with offices in the United States. Plated by H.R. 1384? - - -ral Re_ with™ Slnce all banks with iiabilities q 6. to provide further flexibility, the Federal Reserve would ~ * - draw from the Federal Reserve All banks of comparable size would be treated alike rn terms of Federal Reserve requirements, thus enhancing competitive equity. 8. For large banks, reserve requirements will be reduced on demand deposits and raised on savings and time deposits. Thus, they will compete more aggressively for demand deposits and less aggressively for savings and time deposits. As a result, small banks and thrift institutions will be able to compete more effec »— tively for savings and time deposits, especially for long maturity CDs. now e*ists because of https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 6 10. W1U The aSSUrance of c°st to the Treao —w «>«•«« "—"her co,- 1(3UJ-dity fOr - - -- ::: ^2£ndmGnts 7 Wind°W Wd be open fc{> banks. pr>>eat>a «. »UUo„ Mr -> -^ENDMENT a. • 2- Section io r,F adding at tx the -federal R t the end thereof Serve Act is am "The D f he f°llowina e amended by Board ,ay reguire -0 new deP°sitory institut• - may det °f itS ^abilities * P-~ y determine to u tles and assets discharge its —esirable fco *’ the Board —XT I res—iiity to ,onitor le/° enaWe -e Eoard to aggregates Board in tbe ‘ institutions and c, t °r and control m h reP°tts shall be monetary ANd POr ZZTkS (2) ™ER DEPOSX- faderal Den • °™ER REP°WS to th RBQUI^~ Bep°slt Insura the Board through the , "on-member ha , CorP°ration in the the fA) banks, SAVIngs the case of in _ ional Credit TT . KS' AND Muth at o d State Uni— (C) E 7°n AdminiStration in the ca “““ avings Qnd a member as a,f"M The Board may classify depository institutions for the purposes of this paragraph, and may impose different requirements on each such class.” y J-nstiFrance Com ,„tlm 2 c-p«- Provides for direct reporting to the Federal Reserve concerning reserve liabilities and covers sav ings banks and mutual savings banks. This is a perfecting amendment to Comments of Committee Staff: Section 2. AMENDMENTS B, C AND E 1N THE CASE - oZZj0 the “*BX«ties sdbject tion or which . the Board. Federal Reserve's Explanation: at S-h intervals as th The Board shall endeavor to ments, and any data therefrom shall be made readily available to "Sec —be, such re loan association, or credit union. ing institutions and the duplication of other reporting require- - th ~Z~i£^dsrai_Reserve S Paragrpah to ,aJie Board may designate in the case of any type of bank, savings and the maximum extent feasible to avoid unnecessary burdens on report APPendj.x iy. t Home Loan Bank Act, and (D) such State officer or agency as the Amendment B: "(b)(1) For the purposes of this subsection— The Term ’reservable liabilities’ means, in the case of any State or national bank, the amount by which the sum of such bank’s de mand and savings deposits liabilities exceeds $25 million." Federal Reserve's Explanation: Redefines "reservable liabilities” to include only demand and savings deposits; establishes a $25 mil lion exemption from reserve requirements for demand and savings deposits and eliminates indexing for such exemption. the Federal Amendment C: "(4) All banks subject to reserve requirements shall maintain reserves against their reservable liabilities in https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 8 9 the ratio of g pe 9 Per Centura and not less than " r**iO "Ot 9reater than reguiation pre6cribe solely *S the Board raay by for deposits with longer maturities; establishes reserve , the short-term time deposit ratio for borrowing , requirements at the snort ° purpose °f implementing mone- tary policy." from nonbank sources. ... e staff- C—-—mmitt^Staff - ‘ s — —t disctet^ Estab! ^ 78 ~ reserve _ or demand and savings de- g posits. These several amendments would chang reserveable liabilities H R 13847 in four fundamental ways. m_, ^d be split into two groups -one consisting of demand and savings deposits and the other of time deposits plus <p°SSiblJ> Amendment E: <««thi. ”(b) fs) Q , . b,nk,;7 Xth" due to be repaid in one week or less. in Second, only t million of deposits in each group would be exempt from reserve h.«, «iall Mntain rmmi ) blGSS - »t»t time deposits with in it,- 1 againSt Growings from soaZsTth163 " . ments reguirements. The maximum total exemption would be 350 million anfl versus $100 million under H.R. 13 banks With maturities Of tha" coimnetcial °t one week r»y i t-ities as the Board may prescribe) C Zt^ savings deposits would be reserved at 8 percent ■ at I percent. The Federal Reserve would be permitted and borrowings at 1 perce and to vary reserve requirements between 7 and 9 perce Per centum nor more than fi -—M j savings deposits, between 1 and 8 percent for time deposits w leSS than °"e ™1, —- - 77 7 (B) time deposits with initial m t • 3 percent for time Wo.it. which h-v. m.t“Pit... of turxties of l80 days Qr more i„ a ratio Qf fc;ss than one longer. Fourth, the exemptions would not be indexed. The pZZIx - differentiate between time and demand and savings deposits has merit. In particular, H.R- 13347 would be improved 3Pply °nl* to that portionTrLTuTofT by distinguishing longer term maturity time deposits from other " P3rag— ^) and (B), regardless o°f mT maturity, which exceeds $25 million. •’ for bank time deposits in e SPBCified E<UMlb S deposits. However, it is not necessary to raise reserve require ments on demand and savings deposits to 8 percent. Short-term time deposits (i.e., those maturing within 179 days plus at least reserue teguirefflent overnight borrowings, are close substitutes for demand deposits. Short-term time deposits could be combined with demand 1 “'“titles of l„ „ ys or less, and deposits and reserved initially at 7 percent with a range of 6 to 3 percent on demand and savings deposits and on short time deposits https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 10 "" b°rrOWi^ between 3 (i.e +-K ■ the. in uo 11 8 Percent . r L„„,„ t„. ,lmi serve requirements, the Congress should, of course, reconsxder the „„M be r>>jiwa ““W « , size of the exemption, but any change should be made only as a re- ReServe a“thori2ed to ry the reserve requirement in£h • suit of deliberate Congressional action. ......., M 3 «• - cosSerVe re<JUirements would not chan 33t)3“- th. „.„„y„ mn 0M„ lte .. (8) ... - Upon a finding by the Board that extraordinary circum stances require such action, the Board may impose reserve require- The Board's suggest!n be halved „ould place inurements versus 299 u „ amendment D. structure of ments outside the limits otherwise prescribed by this Section for P— in a period not exceeding 30 days but which may be extended for further "“"-"■ewber banks 1 76fi 13847' and re • y J-,766 member d re<?uire that >11 present ks versus 719 „ „ reserves e"tS formation on th H’K- “847 Ad banks i -, t^e reserve r-« • APPendix uld face und e^Ulrements which • thio • the Board’s am , h lndividual tdis informati^ amendments * -—- zz?r-~ ~111 bS held periods not exceeding 30 days by affirmative action by the Board in each instance. The Board shall promptly transmit to the Congress a report of any exercise of its authority under this subsection and the reasons for such exercise." Authorizes the Board to impose re Federal Reserve’s Explanation: serve requirements outside limits otherwise prescribed for all classes of liabilities subject to reserve requirements. • * vehicle t to irrements with the pa “Posing universal e^mptions is to frp P3SS^e °? time. The n 31 free smaller bant PUrPose Of .»». ... b“‘> tt- 1»MI„ «„„„ “• reserve r Economic growth wil, remain relat ’ relat' " they grow w for rea/ eal growth is However h..a. it ■ h.cnM„, tion 3(4)(B) of H.R. 13847. "... except that the Board as a condition of access to or bigger ' b , ^-i„g is ' maintenance of such privileges may require a certification of sol ^“ed to assure that vency of such bank from the Federal Deposit Insurance Corporation. exempt from reserve - a result . important a<= • “• ’“■»»« « th, lt This is a perfecting amendment to Sec AMENDMENT F. iPCrease their abiiity t small banks remain Comments of Commitcee Staff: Federal Reserve's Explanation: suit of infiat,n„ ’ Entitles any bank, whether or not it maintains reserves with the Federal Reserve, to access to Federal Reserve discount and borrowing privileges on the same basis as mem ber banks; eliminates a need for FDIC or State supervisory agency https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 12 —^fication as cond.t.on t th°ri2es the Board to re • 13 th in 300035 FDic of e<3Uire a cert if,' any su<* bank as a rtifi«tion of s hereof au Comments Edition to -------- —S-^^aWttee StafF SUch «cess. tion 3 <7> ------- —This is _ „ ‘ ’ « »•». «8„. £S no substantial reason for imposing a heavy burden on the few in rom * Y stitutions (5) which would be covered by this amendment. The ex tension of reserve requirements to these five institutions could (o s " severely retard the development of third party payments with which thrift institutions are only beginning to experiment. amendment g. AMENDMENT H. deP°sitQry institX reSerVaWe Uabili«- means . ”( ) than a bank subject tn 35 SPeCified - section l0' of — by which su°c;— ents a member of the Federal Reserve System on August 30, 1978, the re — -t, othe <»> <2>, ^^-ion-s transact. CeS' - ^i^ b With respect to any depository institution that is not quired reserves imposed pursuant to this section on the effective date of this Act shall be reduced by 75 per centum during the first “ °°^Uitation vit^th^0^ Federai depositoj year that begins after the effective date, 50 per centum during the -Pervisory ag »mion. * iate second year, and 25 per centum during the third year." »(B) , i6S' exceeds S25 ; a"inSt the- XTZX ibnStitUti°nS -intain re Federal Reserve's Explanation: Establishes a four year phase-in for reserve requirements imposed on non-member institutions., Se«ion (b)t4).„ liab^ities in the Serves Comments of Committee Staff: This amendment would slow the phasing in of reserve requirements for banks which have to meet reserve re Estabi-beS reserve ** depository institut. 6X0635 <* niiiion maint and savin . 1Ons in the same ained at non_ Com deposits at ba «tio applicable ^a^Sent^conun^^ powers which^^nrf;: quirements for the first time and thereby ease the cost of the transition. 13847. AMENDMENTS I AND J. Thrift ins«tutions lack 3nks have. Th_ _ ™any of th ’ dPtil such time asth 7 d° not °^er full , t ^^i119 Po-ers, there Se institutions ar "g ace given fuu Although thrifts a n° reason to “• —, „M„S lm ‘ — Amendment I: services "( ) The total deposit liabilities exempted from reserve requirements pursuant to subsections (1) , ( ) (5) , and (if nonbank transaction accounts are covered) for each such exemption shall not exceed $25 million in the aggregate for affili ated banks, 32-431 0-78-2 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis It is a perfecting amendment to Section 5(b) of H.R. (and $25 million in the aggregate for affiliated non- 15 I^£SlReserve-s .... statutory and regulatory loan limitations, which relate the size frOm reSSrve ^uirements for ali^1^3 total deposits exerapt%£ individual loans to bank capital, provide incentive to establish ,in an affiliated $2s -up shall not each •^nendment J: "( ) In the case uted nonbank deposi itory i institutions) fto. branches rather than subsidiaries. utegory of deposits. °f affiliated banks (and aft'- “• l°“1 n,bUltl„ ■ ties (5) “«-». f„ „oh fro. not ex ll“M »~"P. th. ae Product resultin Such ^filiated group on August 1, 197s by $25 loans must be big - or else arrange loan participations which could be administratively cumbersome, both internally and to the »««<»»■ establi to establish may .be even ____ moretoincentive subsidiaries rather than branches under present law than there would be under H.R. 13847. For example, marginal requirements are 9k percent higher under present law for large banks than for smaller banks; whereas under H.R. 13847 the difference would be 6 to 9 per cent, depending on which particular structure of reserve require S“Ch “^ion, Vlded tHat n° more than $25 rail,;_ than $25 million such -mption at any indivi(Jual Banks that wish to make big pro- ments discussed in connection with Amendments B, C and E is adopted. under each tution).» nonbank depository insti_ However, regardless of which one is, the incentive would be less under H.R. 13847 than under present law. ana tion . P fr°M reSeiW requirements shall . exempted e^emptron in individual instituf “«U - «o.« th, »„.o.r o X“' “d “« for each -» -~P. « A«g- X sgaatajf co,ltt„ serve Board now passes on the establishment or acquisition of new holding company affiliates. ‘-A. « if whimsical conversions of branches into subsidiaries or de novo es tablishment of subsidiaries instead of branches in the same geo '« tr..tIing pecially only to evade reserve requirements. reserve reguire_ ies and ~— 3uce a group https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis ■— average reserve Presumably, the Board would not allow graphical area, and it could be costly to develop a new area es- a ““pti™. —reserve ’ <? ___ ) would ap - pear to anticipate branches S be. Finally, the Federal Re tO being convorto.j S° (Ame"^ent . subsidiaries i m order to requirements. How^ AMENDMENT K. ”( ) Section 19 (c) of the Federal Reserve Act, as amended (12 U.S.C. § 461) is amended to read as follows: "Reserves held by any depository institution to meet the requirements imposed pur- 16 "(1) balances maintained for such in th6 Pederal “ WMCh 17 -Poses by such " {through to a Reserve Bank on a one for one basis. - a member * —ns an account POrti°n «* — Squired reserves ag ~ *>~ of vault cash* P tio„ ac_ he identical for all deposUo^' "(2> balances Stained by a 7 tiOn 9 This amendment is needed to establish procedures to allow non-member banks to use vault cash to satisfy — - order, _ C°UntS comments of Ccrnnitteejjtaff: Striking out references to thrifts, this is in the nature of a perfecting amendment. "* SUMMARY Both H.R. 13847 and the Federal Reserve's proposed amendments -d bank, in a reserve requirements in part or fully. —<~y institu- to it are built on the principles of uniform reserve requirements Loan Bank; or i„ . ce„tral —idity facility on demand and savings deposits for banks of the same size, access vided, That such member bank. Federal H “ni°nS: Pro~ —-V -cility maintains such Z ~ by the Federal Reserve to summary monetary and credit statis from all depository institutions, and resolution of the Federa W tHe 9 PedSral ReServe ^nk of which it i tai- an account. °f balances serve’s membership problem through the vehicle of reduced reserve °°r at which ,t mai„_ Balances requirements with coverage of some member banks. ^Positor. i„stitution thafc a member bank from another - -sed on such depositor. — -t be subject to the reserve r " • ^11 on such member bank and shall not « on such member bank pursuant to sec/ — Insurance Act section 7 of the Federa! „ A ' as amended (12 u c c s “ 1 DeP°sit Spe^ . . “ "b6 f°rra °f bal*nceS at Federal be hald „Ml •“ «« . x“7-“ sensus that these principles will enhance monetary control, pro•4-,, and resolve the Federal Reserve's membervide competitive equity, and resoi ship problem with minimal cost to taxpayers. The cost to taxp^rS will be under $150 million per vear under each plan (assuming the Fed proceeds with its plan to unbundle and charge for services). However, there are two major differences between H.R. 13847 and the Federal Reserve's proposed'amendments. '" , »„h„ w. uni°ns) , provided that these i t' the Case °f -stttutions pass the There is a con One concerns the amount of reserveable liabilities to exempt from reserve require ments in order to enhance the competitive equity of smal The second concerns whether to index the exemption. H.R. 13847 mnHnn of $100 million and would index this would provide for an exemption $ exemption to the GNP. The Federal Reserve would exempt a maximum of $50 million and that exemption would not be indexed. Thus, un der H.R. 13847, far fewer banks would be subject to reserve require https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 18 mentS- Und- H-R. 13847, 719 me h 19 tanks would be r • m er banks and 299 non te required to holH n°n-member member tankS tO X'766 prop°sed — vr underth~— (Actually reserve ——ts for all ' APPENDICES appendix I Impact on the required reserves of individual banks of imposing ult — ^xaings would satisfy a single, flat uniform reserve requirement of 6 percent on reserve- member banks -der h.r. 1384? 675 ~r banks under' 7 -nenaments., ^5 raember bMks ^eral Reserve , g able liabilities over $100 million, as per H.R. 13847. Reserveable liabilities are defined as net demand deposits, savings and time deposits and non-bank borrowings which mature within 48 hours of PinaHy, under H R ;:ure that—-—czn7ouid aim°st — — —Pt, whereas the pederai — reguirements wouid almost certainly guaranfcee eS6rve’« amendments would „a «onoMo he eXempti°” -uld be eroded the passage of time. receipt.) Banks not tabulated have less than $100 million of reserveable liabilities and would not be subject to reserve requirements. Source: Board of Governors of the Federal Reserve System. Based on 1977 year end data. Appendix II impact on the required reserves of individual banks of imposing the following reserve requirements: (a) 8 percent on the total of net demand deposits and savings deposits, and (b) 1 percent on time deposits with a $25 million exemption for each category. Banks not tabulated would not be subject to reserve requirements under this plan. Source: Board of Governors of the Federal Reserve System. Based on 1977 year end data. Caveats: (1) Reserveable liabilities do not include net Federal funds. Eurodollars and other short-term liabilities which are counte as reserveable liabilities both under H.R. 13847 and the reserve requirement structure suggested by staff. (2) Reserveable liabilities have not been adjusted to take into account the Board’s plan to consolidate holding company affiliates for reserve requirements purposes. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 21 20 AP£pndix__jrjri appendix iv Impact on required reserves Qf thS f°11OWi”S — reguirements. “tta . , „ fi Percent Uniform Reserve (a7dUal ^3ing '•=»*«..« «, M„„t aepotlt; $36.9 Billion «„« „ltMn i7s a; . «.« Vhich mature within — —Ilion; (b, a 1 non-bank borrowings - exemption for the k ' a requirement of i ~ WltH matu-tie3 of i80 d PerCent on ti»e deposits “• ««t »» „11Uo„. Required reserves of member banks S the 6 percent plan Required rese of 29 9 non-member M .r reserveable «.*. tw6 •1“ «« » option f„ $26.4 B ti,n — -29.1 Billion To,.i ‘ $ 7.8 Billion ,„«! no...... «■>»«•«• mu “• ' ’ ****** “« on »„ y,J “1“”“”* "" F““‘1 Sy““- Appendix iy T°tal C°St tO 9°ver»ent of a fi n requirement with the $ioo . 3 6 PerCent Unif°™ reserve ° —Hion exemption. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 57 8 billion reserves at Annual earnings on $7.« bi7 percent , r-oceiots from selling Less expected annual r P services Total Cost $546.0 Million -410.0 Million $136.0 Million 22 L£2B5Iop terms T dep T°tal deposits vltcsh RES CUrrent v^lt cash a CONGRESS 2BSESSXOX bal II T> j-j. 1 9 O >1 7 lOO4Z Federal Res^65 on Deposit • totrr ln Regional erve Banks •eioirS^"3 „Mer new rr dip IN THE HOUSE OE REPRESENTATIVES »«TOlr.a „« August 11,1978 •»« >»po,.a PfS“« »=,e„« SS,L“S; *« 2"S.X"’ \AXtopS“£“”tha Bank now fac ' th& Blrmingham t Mr. Reuss (for himself, Mr. St Germain, Mr. Mitchell of Maryland, Mr. Moorhead of Pennsylvania, Mr. Minish, Mr. Annunzio, Mr. Fauntroy, Mr. Neal, Mr. Patterson of California, Mr. Blanchard, Mr. LaFalce, Mrs. Spellman, Mr. Derrick, Mr. Hannaford, Mr. Lundine, Mr. Patti son of New York, Mr. Cavanaugh, Ms. Oakar, Mr. Vento, Mr. Barnard, Mr. Watkins, and Mr. Garcia) introduced the following bill; which was referred to the Committee on Banking, Finance and Urban Affairs r exarnPle 'Si^" A BILL To facilitate the implementation of monetary policy and to pro mote competitive equality among commercial banks. 1 Be it enacted by the Senate and House of Representa- 2 tives of the United States of America in Congress assembled, 3 That this Act may he cited as the “Federal Reserve Act 4 Amendments of 1978”. REPORTING REQUIREMENTS 5 6 Sec. 2. Section 10 of the Federal Reserve Act is 7 amended by adding at the end thereof the following new 8 paragraph: (23) https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 24 25 3 T"'T 2 «»«, * RESERVE REQUIREMENTS 1 Sec. 3. Section 19 (b) of the Federal Reserve Act is ,ucl „ ».y » 4 SUci C8te^'^ of its i;abiIitiesPaOrtS 5 6 detenni-^enecessaiyorde. di8cha^ 2 °f the total amou"ts of Board may 8SSetS as 6 ‘° en8bJe responsibw (o Board to “(A) The term ‘reservable liabilities’ means, in the case of any bank, the amount by which the sum of ma e U) directly to the q{ “(b) (1) For tbe purposes of this subsection 4 5 7 We«ates- Such reports shall feTrf 8 fioard in the amended to read as follows: 3 6 such bank’s deposit liabilities and its net Federal funds 7 9thr*^ ^^rameX" and other borrowings which mature 48 hours or less 8 10 the case of insured 8tate n Nation in 9 10 11 ” the — of asWutzon lnsared hy the In^ce Corporation 15 SeCtion 2 of the rederaJ 12 ^ngs and loan 18 " member « defined in Act’ and (D) 16 s«ch State officer or a 13 14 15 16 b°n, or credit union. The B 19 mum^ feasible ,,,^7 Mdeavor to 20 cautions a„d tbe dun,- MneOeSSa,y burd^ on report- 21 duPIlcation of ntkn B - «y •• a. B„rJ T 17 18 19 w 28 »>«», ,» ft, J” “ *«»,»„„„ **“« -y ™p„«. 0“ each such class.”. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis aSSoeiamaxi- *>*, a. after receipt by such bank exceeds its exempted liabilities. « (B) The term ‘exempted liabilities’ means, in the case of any bank at any given time, the product of $100,000,000 times the quotient of the nominal gross national product for the calendar year ending not less than six nor more than eighteen months previously divided by the nominal gross national product for the calendar year 1978, as determined by the Board. “(C) The terms used in this subsection may be fur ther defined by the Board, consistently with the provi sions of this subsection, to such extent as may be 20 necessary to carry out the purposes thereof. 21 “ (2) Any reference in this Act to member banks with 22 respect to any requirement or authority relating to reserves 23 required by this section shall be deemed to apply to all 26 27 which are actually 1 2 4 5 Paragraph (4) or (5) ° ®aintain rese™« under ’ of tllIS subsection 3 2 4 3 5 bank as defined ® in sections q /f\ ”°r * , 5 6 8 7 9 b“‘ A« » « i. e.ie«.TP““ 11 8 9 10 12 11 13 ..ex?*—-— 17 18 «n>, n n£ monetary p0];c ' ' UP°n a finding by the J; u , ‘ re,™ w,n 20 21 22 23 °entum> °r m such other fey subparagraph M) nf (v 25 B« » «wh ‘ T ' https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis ' 14 15 “(A) net balances owed by domestic offices of banks in the United States to their directly related for eign offices and to nonrelated foreign banks, and “ (6) During any period that a bank is maintaining reserves pursuant to paragraph (4) of this subsection, such 16 bank shall be entitled to all the privileges of membership in 17 the Federal Reserve System except that, if it is not otherwise 18 a member, it may not hold stock in, or vote for any director 19 of, a Federal Reserve bank. 20 “(7) A nonmember bank which is subject to reserve 21 requirements but whose reservable liabilities do not exceed 22 zero shall be entitled to the same discount and borrowing 23 privileges as member banks during any period that the Fed 24 eral Deposit Insurance Corporation or the appropriate State 25 supervisory authority certifies to the Federal Reserve bank “■»» I'.v ft. P'-rty ft.... as the Board may prescribe against— overseas offices of banks with offices in the United States. f°r 8 P^od not 24 reserve requirements shall maintain reserves in such ratios 13 erwise prescribed ex°eeding thirty days but to paragraph (4) of this subsection, any bank subject to “(B) loans to United States residents made by 15 ratio not greater addition to any reserves required to be maintained pursuant 12 14 19 “ (5) If the Board determines that such action is neces sary to the implementation of monetary policy, then in 7 16 under this subparagraph and the reasons for such exercise. 4 6 10 to the Congress a report of any exercise of its authority 1 28 ................ •........................ : ■ —............ 4 meeting the needs of the S°UDd b“is ir -~;z:redtysuchb^ 5 5 Sec' Nothing in this ActorinKthSUmVrSOfiS 6 8 °f °ffi- - a&ency of 8tete |Q9 ni2ed°reXiStin^d-^^ofsuchState. DSltUtlOnOrga10 effective dates 11 EG‘ 5‘ (a) The amendment m j “ 4«> <M take fe_ ‘ ‘ * ““ * •' «■ “ 14 15 —I -hid, h^„ V “« -tata (b) Th ate of enactment. {t)) ihe amendment ma do h tafce effect on .fnly ! Jg ■'^^Hrteha)! 16 ^ignated by the Board of Golf 7^ 17 System. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis °f the ^deral Beserve m&hber banks <* 1000S) eFF£CH r0N H*R» os a RESe«ves 13847 8215/78 NAME LOCATION 12060072 T DEP 12060073 12060115 12060938 CtN^RA, CJLIFORN1A BANK ,L0S CA CA angEL£S 12061400 BANK of 12061505 12061530 AmIrica Sells RARNfAnT1ONAL ^ncIscS 12061625 12061640 ffi 12061928 441435 192489 141357 36754345 1947938 &B57013 10521696 CA CA CA CA CA anna, Sm*TA CRUZ WALNUT CREEK 179412 343121 2555 1236 423717 8486 6648 1774835 2832 9 120360 94037 426489 525199 78267 5830 1055 1861a 5961 2882 7884 2198552 122366 546849 603466 24648 7141 ° — DENVER OENVER £R ~A 124930 104495 CO CO oenvfp co r,r-*u$T °F °£NV£R 4235 6043 6002 100731 107513 14853 48728 498121 617481 -14015 18177 6471 5732 3994 1284 7043 3710 8788 5078 ^tOER CO CO 10080360 10060380 Colorado nat 10060450 «RST Nat BK 10060510 united bank nS 10060670 fJSSI NA,IO\A°LF 61840 4998 1882 2097821 10080100 ^«„GS 1969 43239 20067 7016 11037 8155 4340 7619 383850 24302 11041 6349 9677 3256 10229 678148 197608 445690 18 750 7748 222 33d07 7596 178 48 680117 240847 6668 508866 1647 ^IRST nat 10060280 ft”? 10060290 10080350 DIF 4716 6571 43484 5465 5552 420635 117345 224034 161278 12464 3925 25 954 2131 10980 171251 61435 102569 6663239 CA CA CA /arbara . 3559120 CA 10217 2646 17530 155075 260332 11096344 CA CA A San FRa*CISCO n a 2247 108285 713651 CA CA CA ^ANGfc° NkfNXNOCTY Caufornia NEW RR 177526 CA CA CA 12060960 12060970 12061410 12061450 cr2ck2p bal res totrr 12060560 ^mtbka;;°?al ba^ 12060500 F*M C MRCH 6KTo?LLS^1FORN1ALOo!RLY HXLLS 12060730 12060750 12060755 vltcsh sank co co Furt colljns co CT CT ° TK C° HARTFORD CT CT 5174 7972 19846 5085 3662 7260 469796 999045 8S7652 co 5026 3820 4772 1129 430107 co Denver 1374 1911 162016 168648 21898 49091 45079 5915 144081 1218 519240 20001 539863 1484706 8258 3355 7 37405 1534864 6657 11381 25289 622.9 56605 6400 5731 9946 9101 24931 25560 56351 50994 6075 31382 33547 95776 94010 1266 5134 412 3333 3763 17757 18969 41543 39700 233 5 34355 24711 71191 68025 5319 6613 5338 7174 6591 14808 11294 5740 -2973 8836 24565 25985 8/15/78 EFFECT ON RESERVES H.R. member BANKS 13847 <* 1000S) T DEP VLTCSH RES BAL NEW RR TOTRR DIF LOCATION NAME DS8 WASHINGTON AMERICAN SECURITY BANK NA NATIONAL BANK OF WASHINGTON WASHINGTON NATIONAL SAVINGS C TRUST CO WASHINGTON WASHINGTON RIGGS NB OF WA^INDTON DC WASHINGTON UNION FIRST NB OF WASH BOCA RATON NATAnCA<RATON NA BOCA RATON NC “.?B M0 , A -ATBR 1ST No OT CORAL CCBARBA,CRes FLGSHP , AMERICAN NATIONALSARD FORT LUKI FORT ) CENTURY NAT BK OF BROWAKU ) LANDMARK 1ST NB IN ) FIRST NAT BK IN FORT MYERS . FIRST NB OF GREATER LAUDERDALE t I LAUDERDALE UHUUf'v-"'LAUDERDALE FORT MYtRS HIALEAH HOLLYWOOD MIAMI 973294 576365 16625 16474 52616 24501 69241 40975 332614 1327375 446227 6945 22364 12602 15626 74b65 18 754 22571 97229 31356 104846 1449 4411 136795 107523 102159 2359 845 1924 127805 166430 139040 1104 4840 5261 2441 5757 254051 434279 160429 119336 106t>67 298551 263382 o 283&50 100922 344499 263160 126356 212465 i FIRST STATE BANK OF MIAMI ,0 FLORIDA NAT BANKOF MIAMl ?7 ROYAL TRUST BK GF "**£*£* 79 RtPUbLlC NaT bANKn9FM^A” "8 SaIshIP1 llVN^OF MIAMI - ^^s/ MIAMI MIAMI MIAMI MIAMI BCHM1AMI BEACH OF ORLANDO ORLANDO^ - ;;s 50 CENTURY 1ST NB IN 60 hL0R^A.n6 OF ST 70 LNDMRK UT6 OF ST ST PTRS6G NA PTRSb j02 METROPOLITAN bank c https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis PTRSBRGptTcRS6uR& tr c ns ST PETERSBURG R7 O AB K 117676 150424 1409703 215043 477276 192786 201085 175234 3861 2711 5779 12665 3831 2126 1007 4872 3241 4041 330 832 5 4038 3018 3046 1385 2473 10940 2497 12336 2163 4041 4270 8227 5777 8863 16443 4730 4621 5584 10944 12551 10586 13689 10126 29190 68039 19525 11831 6106 4365 6861 12088 8488 14642 29108 8561 6747 6591 1581b 15792 14666 12 165 4206 7789 5056 6441 6423 72573 6890 83513 8961 11458 16730 10129 29066 12292 8050 3318 12091 7588 4994 103348 330216 118597 3819 7412 1396 1175 7356 4 151 14768 5747 281244 4697 10193 899 3160 10607 9462 15304 19655 3363 5476 6262 6636 394793 121569 163580 14853 27286 12445 5860 7199 14627 5596 22991 16203 7224 10635 5266 54388 W MEHBER BaNks ($ looos, EFFECT reserves ON 13847 ose NAME 8/15/78 LOCATION 8130260 “150270 fULtJnN^7' 613029o 6130330 6130340 6130900 613211o 6132100 6132810 6132870 Op ATL ^JONAE e 1 OEP °K °F ATLANTA4 CnuZ.. 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MEMBER BANKS <$ 1000S) G SVGS BANK CHICAGO CHICAGO 1710 LA SALLE NATIONAL BANK CHICAGO 1740 LINCOLN NATIONAL BANK CHICAGO 1770 MARQUETTE NATIONAL BANK CHICAGO 1790 MtRCHANDISE NB OF CHICAGO Chicago 1825 MICHIGAN AVE NB OF CHICAGO CHICAGO 1830 MIO CITY NB OF CHICAGO CHICAGO 1890 NAT BLVO BK OF CHICAGO 1700 LAKE VIEW TRUST IL IL IL IL IL IL IL OF CHICAGO CHICAGO IL IL 1910 NORTHERN TRUST COMPANY 1920 NORTH SHORE NB OF CHICAGO 1930 NORTHWEST NB OF CHICAGO 1932 0 HARE INTERNATIONAL BK NA CHICAGO IL CHICAGO CHICAGO IL IL IL 1900 NAT SECURITY BK I960 SEARS BANK AND TRUST CO '2170 FIRST NAT BK OF CICERO r2470 FIRST NAT BK OF DANVILLE F2490 SECONO NB OF DANVILLE r251O CITIZENS NAT BK OF DECATUR CHICAGO Chicago CICERO DANVILLE DANVILLE DECATUR DECATUR OECATUR OES PLAINES 12610 FIRST NB OF OES PLAINES I 72695 DOWNERS GROVE NATIONAL BANK DOWNERS GROVE ELGIN 72950 FIRST NAT 3K OF ELGIN ELMHURST 73000 ELMHURST NATIONAL BANK EVANSTON 73100 FIRST NATIONAL BK AND TR EVANSTON 73110 STATE NAT BANK EVERGREEN PARK 73135 FIRST NB OF EVERGREEN PK HIGHLAND PARK 73970 FIRST NB OF HIGHLAND PK P2515 FIRST NAT BK OF DECATUR 12520 MILLIKIN NAT BK OF DECATUR 74260 FIRST NB OF JOLIET 74270 UNION NATL BK ANO TR CO 74460 FIRST NB OF LAKE FOREST JOLIET JULIET LAKE FOREST 75900 OAK PARK TR ANO SVG BK 76190 CITIZENS BANK AND TRUST CO OAK PARK PARK RIDGE .76290 COMMERICAL NB OF .76300 FIRST NAT BK OF >850 AMERICAN NAT BK PEORIA PEORIA ROCKFORD . _ on ROROCKFORO ROCKFOROROCkFORO PEORIA PEURlA AND TR CO >357 FIRST NB 6660 6875 7220 7300 7310 ILLINOIS NB G TR CO FIRST NB OF ROCK ISLAND FIRST NAT 8K OF SKOKIE G TR FIRST NB OF ILLINOIS NB CO OF SPRINGFIELD OF SPRNGFLD 7320 SPRINGFIELD MARINE BANK 7730 BUSEY FIRST NATIONAL BANK https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis T DEP LOCATION NAME OSB 13847 ROCKFORD ROCK ISLAND SKOKIE SPRINGFIELD SPRINGFIELD SPRINuFIELO URBANA IL IL IL IL IL IL IL IL 107662 110166 106826 148477 123865 163558 IL IL IL IL 126915 150275 IL IL IL IL 150192 209041 354353 302990 IL IL 113975 IL 175bl5 IL IL IL IL IL 174901 144181 224869 207648 192335 IL IL 313162 101237 176736 NEW RR 4243 1129 13526 131846 145372 969 5114 4916 11383 4401 5885 164 97 137830 1246 14799 449 2452862 125477 284934 TOTRR 15428 32250 1049 3090 317694 341719 115419 BAL 14133 41189 5163 8070 8611 6985 10563 21744 6813 2106 9489 6074 1723 4059 1068 700 145998 RES 12027 31700 0 6347 4552 5917 9863 17501 5684 368096 649587 132539 157150 14b366 125959 167455 167754 97918 139160 I5b807 213598 210672 211057 152225 IL IL IL IL IL VLTCSH 1312 4368 1336 943 14 197 3457 4011 1511 2324 225 3 2653 1454 1303 3706 4198 2568 2451 1877 1932 1539 755 4866 5522 9071 8918 7800 2063 2291 2208 4127 5395 7356 3 090 7395 3995 5bl9 5105 7560 5713 18565 4793 4954 5217 6522 6380 6048 1442 1277 3507 12223 2860 11943 231 129 144 1925 1772 4287 DIF -1295 8939 4114 4980 7169 5708 7056 9521 3953 7542 4639 1696 5264 6622 4562 4825 5073 4597 4608 3761 4454 4222 8810 4393 7434 4356 7973 10948 10b50 9339 6150 3396 6636 6370 6058 7610 7313 10108 1186 3667 14316 10269 1155 4059 2640 4890 171 2685 6367 3194 Z668 6234 4749 4577 4112 4480 2972 4956 4672 3943 4625 3874 2543 1567 7732 15389 7 427 1706 2041 4112 6419 16956 15159 5818 8460 8608 9323 6105 9879 3669 1927 1154 6350 8252 4178 8725 4739 2258 1071 4095 1890 6999 5228 4215 2680 1790 3882 ■ 141 4697 10866 1005 3866 7177 5380 12476 142 2754 3199 3551 9931 8579 14417 4671 4o63 4401 1941 4729 W W MEMBER banks t* 1000S) ReSeRVES EFFECi H*R. 13047 8/15/78 DSS NAME location 7181140 T DEP “'°o^SBTankHIC,“ 7181190 XT Bioizeo 8161330 7181620 7161630 7161850 Evansville Evansville EORT xr £ 7162305 WAYNE BAL totrr 376662 IN hAMMC'N0 r 909542 193527 166472 1403692 IN IN Coinoianapolis Is^f-s-ss IN IN 1236604 IN 977772 133125 IN IN 2135 3070 6451 2699 4205 1965 104798 9989 5017 4998 6372 6733 3911 10127 2521 3565 86121 73124 55907 6481 10938 5876 1742 1374 2251 8781 16414 49500 7789 9463 7785 13660 4411 6052 6460 6165 5959 14948 5528 5789 '6792 -478 -6407 5462 2307 4991 324 1593 5988 2353 1921 3782 132154 223559 IN 6128 7362 3374 5608 179387 72646 27386 2662 186355 IN IN 38 044 2918 7110 162052 304 158 IN IN "ER1CAN""- 34602 22114 8049 9354 79329 5941 3981 22737 26541 4575 7070 36047 2o07 1D9116 123998 IN IN 16690 241H 11032 9184 12971 3474 2284 23262 1615 9939 16184 14412 1848 1357u DIF 7911 8927 3774 10225 15387 6271 13043 12103 4587 9699 NEW RR 7556 11692 10724 1661 165515 IN IN 7183790 7164120 7164130 • 7184360 4663 3668 3161 268912 982655 222022 3951 6731 3161 273284 166842 IN IN 7182530 f>«srXc;X0\i?L,NS',I»T 7162740 7183000 7184370 8164530 RES 3605 244677 IN IN IN Gary Calumet natignai 131024 IN ™? xl ne EVANSVILLE ute,6 7181900 AM4ftANTlLt NS °E INDIANA INr^ AN FLF-7CHtR NO J tp 7162040 NA1I0^aL bank T 7162060 KRcl 7162290 IN IN ELKHART 8181350 7181460 7181470 7181615 VLTCSH EAST CHICAGO 4693 4395 4587 4876 4449 2502 3753 3336 11158 4619 1537 4944 4127 5791 6611 85 7190900 7191470 7191570 7191590 °AM«AL cedar rapids T 7191620 " co davenport DES MOINES IA IA DES MOINES 8K DES MOINES IA IA IA 7191640 7191730 7191750 DES MOINES OUBuyue ? w 719z880 7195370 7195405 IA S10U* CITY IA SIOUX CITY SIOUX CITY IA IA 7195410 7195420 £ 7196060 AI faK Or WATERLOO C1" 248341 SIOUX CITY IA WATtRLOO IA IA 3542 3593 313254 232886 216064 5653 3 532 5052 466416 113313 IA IA DUBUQUE IOWA CITY n“ ;s“tcirv io»‘ f» CO 4- 1547 122659 113710 2664 1565 107491 1391 lu8a 113065 111603 1476 208 7 167313 126963 134153 1235 3060 10264 10204 5196 7809 18169 3985 3287 3315 3 404 4621 3662 5248 3992 3407 13806 15797 10849 11341 23221 5532 5951 4680 4795 5709 5138 7335 5227 6467 6679 10670 7385 4255 24026 5 1359 589 193 140 233 3166 1015 761 7127 4927 3464 7066 -805 5527 4592 4291 4602 5569 4905 4169 4212 5706 8/15/78 EFFECT ON RESERVES H.R. 13847 1000S) MEMBER BANKS T LOCATION DEP VLTCSH RES BAL TOTRR NEW RR NAME DSB IB OF KANSAS CITY 1TY NAT BANK OF KC 10202900 10203020 10204675 10205525 ON CTY N88TC NAT BK OF TOPEKA ANTS Nb OF 10205550 1020602C KANSAS CITY KS KANSAS CITY PRAIRIE VILLAGE KS TOPEKA NB IN WICHITA H NATIONAL BK L TR CO NAT BK OF WICHITA 10206030 TOPEKA TUPEKA WICHITA WICHITA WICHITA 174503 146224 KS 104127 253569 168079 282159 KS KS 464648 161076 KS KS KS 1211 1679 628 3215 1881 2304 6534 1725 7016 49-7 4531 11063 5673 12327 17476 6274 8227 6666 5159 14298 7754 14631 26010 7999 3200 2246 90 6565 2725 6532 16629 3375 DIF 5027 4420 5069 7733 5029 6099 9381 4624 10206060 S UNION NATIONAL 4211945 Nb 8 ECURITY 4211950 8212050 8212060 IEL1TY iB UF BK 8 BANKLEXINGTON TR CO TR CO LUU1SVILLE LOUISVILLE LOUISVILLE I NB 8 TR CO 8212090 8212120 8212810 [LLE TRUST BANK INC 3RD NATIONAL BANK i C MAT RK f. IR LEXINGTON LOUISVILLE CO LOUISVILLE OWENSBORO ' t 1/ L 1/ I I I P 5319 7450 764 2131 4746 12497 21756 45417 18394 44401 980452 11635 44622 26502 57914 56457 6452 IB82 24549 116356 162520 I873 2491 31001 13753 7156 9374 21003 520314 223918 119414 KY 439570 903969 KY KY KY KY KY KY KY 11871 5283 6083 48147 6437 599 3484 6686 8108 13513 8310 9998 7316 6557 5690 4213020 LA LA rap.des »«.K and trust co LA 0090 0100 01 10 •RSI NB OF JEFFERSON PRSH FNhT F CA ^CNW GRETNA ^RSCNFPHR?HMA3EFFERSON PARISH 0575 SS,SPSS’S1... £»■»• 0630 0650 0860 ‘SSSSSSI'SS'S;;;;; 0870 .0978 ssss-sg ;09E0 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis LA LA LA LA LA LA LA 160317 3741 5353 206518 5000 4815 6146 10702 6452 5422 19076 5961 1301 5576 4710 281016 465449 207664 133530 141271 159446 309434 3882 5237 5374 3970 5431 9094 11148 15517 25528 11383 3179 5862 10679 20734 5992 6877 6592 1710 1752 3127 . 5574 15590 10811 z09t>4 847 8 6050 8100 16299 10020 13531 24777 8094 9541 3035 322 18 35285 6762 40312 44826 9797 79t>57 18948 89178 22677 12249 21393 LA LA LA LA 194554 248688 410804 597939 657366 ;C9bl L1000 <1029 LA LA 288631 1190725 LA 402108 9521 3729 LA 399359 9144 21300 ? 1 -Mfl 11281 4401 7515 17743 26462 29381 6986 65210 5915 5286 4838 4794 5391 5167 6840 7684 9683 5619 6016 7034 11850 15445 2611 15874 23968 6803 15532 5861 CO C;i MEMBER banks (J 1000S1 defect ON reserves H-R- 13647 OSB name 8/15/7B location 7 0£p VLTCSH Bangor 230760 ME ME Portland presque 5240160 5240165 PES BAL PORTLAND isle 179438 283732 140059 ME ME eirst nat n„ r, ^LANO N^!rLMARYLAND MO MD 6419 2222 SHAWMUT EIR^LDBA^ & TR rn cP “ „„ “°"CES^ 2024830 30890 826287 173491 107336 36094 23125 34704 63567 boston boston boston bpockton MA 7261105 9324 2119 3681 43448 8265 4103 4162 MA MA r?*blNGTQN oambridge h5^1NGHah MA MA SPRINGFIelo Ma 128830 55558 A? »93 4917 10974 60 96a 3 790 12621 161974 123478 Ma 3094 2073 101975 177180 146651 306304 MA MA bk 49663 10735 33755 10969 137639 385438 Ma HYANNIS LOWELL 1076146 1209277 1021642 ma 7170 5073 2292 7794 7095 112098 8462 495382 3328 1953 7 3 140 2533 1867 8 758 2119 ANN ARBOR B ?^fA«BOR C0 oearborn ^nkENTo" *apbqr of THFNrr,AND TPUST rn 6118 3190832 ma Ma 9693 Bank 56270 117542 47329 4104 4310 7260160 7261045 7261103 65594 119661 24204 4161 1894 BOSTON Ma PEOPlZsCNB°c 5322 3867 1120629 MD MD mopcester 7260345 7260410 3029 4569 86 1251910 LAPE cod BANKNf7^ BANK Na 1253135 union nationai \TrOST co . rnc *KST 8ANK RAMv NB 6855 4933 10090 6204 ^AWNUTLbXMDpHhNAT 1250560 state strfpt ?f Boston na 1250695 1250726 Plymouth humf&nNk ANo tr co saybank mSlf?*7 bank 1^50795 1251265 Shawmut couhtySBx n a Shawmut rn-Y dANK na 1251670 7260180 8 993 3856 B°^T0N 1250535 1253780 9884 9502 15412 4012 2211 POCKVILLE T«Tr.„ T hIRo 6077 RA(t “&e MO 1253160 1253231 MEW RR OIF 3807 5490 6078 5240280 xrfmo 52*0820 5*41429 L250370 1250487 MEWING LAND TOTRR 207291 AJJJ CYbay 178693 66293 77248 71937 189043 54038 65585 57932 8707 23595 10264 1614 15624 7146 3419 5432 1032 7 8962 17220 5447 29230 403 19951 g”y* MI MI MI Ml MI OETROII 7093 7971 6645 6237 5264 6464 6953 5108 5044 9279 aPBOR BfcNT0N HARBOR 11663 14005 909 168 ' 3a63 2009 12112 co 05 '10350 12255 MI Ml ---------- — 240523 4098 191575 238003 2807 7265 2280 *08256 119347 4237 19899 852647 783605 12 50 7 9257 7241 4727 3318 1386 24171 30311 13355 10048 11992 5598 5623 44070 42818 7831 5524 4967 7960 5061 126 4032 5472 808 48336 4815 42190 “4266 628 8/15/78 EFFECT ON RESERVES MEMBER BANKS DSB H.R. ($ 1000S) NAME DETROIT BANK ANO TRUST CO DETROIT 61120 MANUFACTURERS NATIONAL BANK DETROIT 61160 MICHIGAN NAT BANK OF DETROIT DETROIT 61170 NATIONAL BANK OF DETROIT DETROIT .61180 CITIZENS CMMRCL 6 SVGS BK FLINT .61460 GENESEE MERCHANTS BK 6 TR COFLINT !61490 OLD KENT BANK AND TRUST CO GRANO RAPIDS :61740 UNION BK C TR CO NA GRANO RAPIDS :61760 LIBERTY SIATE BANK £. TRUST HaMIRAMCK :61870 CITY BANK ANO TRUST CO NA JACKSON ;62300 NATIONAL BK OF JACKSON JACKSON '62310 AMERICAN Nb 6 TR CO OF HI KALAMAZUQ ’62330 FIRST NAT BK 6 TR CO OF MI KALAMAZOO ’62340 AMERICAN BANK ANO TRUST CO LANSING 262490 BANK OF LANSING LANSING 262500 MICHIGAN NATIONAL BANK LANSING 262520 MICHIGAN NAT BANK-WEST METR0L1V0N1A 262605 FIRST NAT BK 6 TR CU MARQUETTE 262750 CHEMICAL BANK ANO TRUST CO MIDLAND 2o2870 FIRST NB IN MT CLEMENS MOUNT CLEMENS 263000 HACKLEY UN NBCTC OF MUSKEGONMUSKfcGON 263070 NAT LUMBERMANS bK 6 TR CO MUSKEGON 263100 FIRST No OF SW MICHIGAN NILcS 263190 COMMUNITY NB OF PONTIAC PONTIAC 263470 SECOND NB OF SAGINAW SAGINAW 263750 MICHIGAN NATIONAL BK-OAKLANOSGUTHFIELD 263958 SECURITY BANK AND TRUST CO SOUTHGATE 263959 PEOPLES BANK ANO TRUST NA IRENTON 264190 MICHIGAN NAT BK-NURTH METRO TRUY 264203 WARREN BANK WARK^TTr '264265 WYANDOTTE SAVINGS BANK WYANDOTTE '264420 BLOOMINGTON 9270625 NORTHWESTERN NAT BANK SW 9271650 FIRST NATIONAL BK OF DULUTH DULUTH 9271670 NORTHERN CITY NATIONAL BANK DULUTH MINNEAPOLIS 9274037 1ST NB OF MINNEAPOLIS MINNEAPOLIS MINNEAPOLIS MINNEAPOLIS 9274070 MDLAND NB OF MINNEAPOLIS MINNEAPOLIS 9274073 NATIONAL CITY BANK MINNEAPOLIS 9274095 NORTHWESTERN NATIONAL BANK ROCHESTER 9275095 NW NB UF ROCHESTER 9274060 MARQUETTE NB OF https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis T LOCATION MI Ml MI MI Ml Ml MI MI MI Ml Ml MI Ml Ml Ml MI MI MI MI 13847 DEP 2987657 2688787 1103489 5150344 767748 630705 976426 421563 132151 Z28517 lbo322 201276 399226 281859 179497 1475532 169095 105074 160384 VLTCSH 34488 45208 34403 82507 25 418 15781 15374 6920 1694 7139 6217 3662 6928 6820 3056 14508 3071 2089 4144 RES BAL TOTRR 130561 116341 19 168 216392 10052 11164 32866 165049 161549 53571 298899 35470 26965 48242 15513 4456 4420 22433 6150 11559 3886 7244 11522 10103 10906 20450 14276 7456 5836 51718 5238 2063 4412 6892 66226 8309 4172 8556 13731 4277 5437 6713 8495 6240 6931 19168 239750 11300 2 597 4780 9626 16060 12423 505406 141211 171402 110696 15397 2749 1909 3442 8719 3600 205166 4650 MN MN 127787 1249 181039 1496 MN MN MN MN 132692 1338640 205527 1736 10703 MN MN 1609c9 MI MI MI MI MI MI Ml MI MI Ml MI MI MN 160705 182048 136014 145718 401242 336o24 150468 1374333 117534 2632 4276 1819 2654 4471 1945 936 13261 1813 4081 4219 4421 NEW RR 17 4763 144105 57695 251117 39689 30035 5 6354 18627 1563 6790 4635 50o2 18024 9747 4055 78o53 3736 59 4547 3101 4433 1838 2244 17026 13436 7661 DIF -9714 17444 -4124 47782 -4219 -3070 -8112 3806 4587 4769 5468 5824 2426 4529 4637 -12427 4573 4113 4009 3612 4062 4402 4687 2142 2644 4762 24116 6349 8892 4657 22925 2276 3517 342 1191 4073 5375 4315 6314 5756 2558 5768 7258 7017 1337 4553 5680 5536 7272 62728 5776 6784 73431 10247 8729 1925 79458 5347 -6027 6211 8012 68354 6948 81615 4680 6983 1215 3664 3067 8754 4036 2574 2944 90349 289 4201 6155 6004 -8734 4591 W BANKS l$ 1000S) EFFe" «e»RVES H-R- 13847 OSB name 8/15/78 location 92759oo F1rs}CAN bak £ DEP T Paul ST Paul VLTCSH RES st Paul st S 8i:ai71S *“’ “* Bal TOTRR MN MN ST Paul ,?l9sl0 *259522 10796^ MN MN 6828 57356 1443 1562 ^19883 *0840 Jacksgn 259227 825483 729352 6708 10641 *22814 1*701 9967 39382 30537 3107 i 1 1 7750 Ka*sas Kansas city city MO 6460 ■. MO MO MO MO MO MO MO MO MO MO STS}°"\ LOUIS l0 S^P MO MO MO 783 *21022 *61221 MO MO KANSAS Kansas citv First . *03291 MO MO KANSAS CITY KANSAS c /ty CITY ''AUWSA1 *0294590 F*RST NAT L°F ST JOSEPH Lfc *AY irr tfchAY 8294670 80ATMLNA\a6K °F ST jOf£% ST JOSEPH 8294720 Ei«S7 NB S £ S* tOUls ST JOSEPH 8294780 manchestefVT„Lou*s ST LOUIS 8294790 ST LOUIS *u015 8294815 HNf- BK £ TR rn r ST L°0IS HERCANTILP td° °F ST LOUIS LOuiS ST LOUIS 8294930 southwest hJ.^ost company1^ st l°o*s 8^94940 JOKER GROVE ex ?F iT LOUls fj L°UJS 8295289 80ATMFMC ...._fiK £ TR cu * 5T tOUls 656032 570814 **9466 5*0575 *27961 ,*2*453 *212180 5585 3785 7498 -'2009 30381 1281 9420 *543 *15531 *95412 *09087 505852 *303569 2636 *908 5340 3448 2294 *B30 759 4 15053 1195 *261 *394 9 *17081 *55912 *59545 5265 3313 20080 65292 6314 9681 97848 9007 3305 6373 5309 7192 2 9955 5143 27674 60365 7509 5942 61797 5558 7829 MT GR£*t palls MT MT MT 6246 6146 5434 *1218 *2016 1686 17133 5332 7559 8614 8*LtiNGs 122 275 3972 26131 21813 33829 3789 sSss:e-;s.s--s:!s ____ _______ 6368 6421 9406 37349 5911 25535 *551 1456 ~ palls 7169 5867 *2129 1290 ---------------------------- ----- M^ANnL^B^5Cl^YNA F GRtAi 9506 **156 33109 *5238 vuArroN ^2925 00 UTb bk nu ANK AND AN0 Tp" '' ' UT^ HO HO B KLtQ 8ANK llemay cu«~ ti-to* OfF KiHic.r Kansas citv 16675 50023 5160 8291000 ^29^54 80aTM6NsreKKs0E Jayton i029<470 *0292460 9300085 5429 7079 2570 8292 995 *0294551 5087 -19262 125 -------------- — Parkville TO^9255o 5753 79007 64745 5554 *0186 *111 8624 IS *02926o8 NEW RR DIP *012 7389 CaO QO 5506 *2622 741 2229 4591 5330 61 5062 18822 74195 6852 6190 5086 5045 2423 897 64613 -2816 1532 3353 2805 4026 4476 5809 **4638 *056 *67398 *67624 1587 1907 134194 *971 4933 6645 6572 4639 5969 6232 8479 6610 636 3324 3380 1505 5353 4908 5099 5105 MEMBER BANKS DSB T DEP LOCATION NAME NE NE 363362 256726 NE NE NE 307612 497558 266326 LAS VEGAS NV 477031 RENO NV NV 967508 10312120 FIRST NB £ TR CO OF LINCOLN LINCOLN 10312150 NB OF CMRC TR £ SVGS ASSOC LINCOLN 10312730 FIRST NB OF OMAHA OMAHA 10312760 OMAHA NATIONAL BANK 10312800 UNITED STATES NB OF OMAHA 12320048 VALLEY BANK OF NEVADA 12320070 FIRST NAT 12320075 12320060 NEVADA NATIONAL BANK SECURITY NB OF NEVADA BANK OF 8/15/78 EFFECT ON RESERVES H.R. 13847 ($ 1000S) NEVADA OMAHA OMAHA RENO RENO NV 268599 221958 VLTCSH RES BAL TOTRR NEW RR DIF 5943 3966 12684 9694 13 144 24138 12661 16763 11633 15942 28492 14869 10820 7667 8363 23020 9846 1455 28985 20413 8572 11417 18506 5427 3555 8649 66818 16644 12204 48313 6896 32601 7948 7178 5026 4079 1939 2798 4354 2208 27530 34217 5472 5023 05 CO 1330622 BANK OF NEW HAMPH1RE NA 1330711 INDIAN HEAD NB MANCHESTER NH 1861 3566 41U1 9872 NH 171853 125958 6306 NASHUA 5962 4771 1352 5101 4610 2879 5641 15488 10228 3 897 14657 13107 9231 9538 30135 4625 23727 15295 15484 27727 30779 43104 5206 23446 35616 465 3876 4913 6406 7333 7488 22674 4741 6127 30656 20500 16671 6036 BK OF CTRL JERSEY BRIDGEWATER TWP NJ 264360 W JERSEY BURLINGTON TWP CAMDEN CHERRY HILL TWP NJ NJ 189350 51068B 519528 2340434 1ST NAT 3340460 3340510 1ST NAT ST NK OF OF NASHUA NEW bK DP JERSEY 3340842 R1TAGE BANK NA CLIFTON W JERSEY BANK N A ITED JERSEY bANK/NORTHWESTDOVER RST NAT BANK OF S JERSEY EGG HARBOR 2340900 2340921 T STATE bK ELIZABETH NJ ITED COUNTIES TRUST CD ELIZAbETH ELIZABETH 2341220 ITED JERSEY BANK HACKENSACK 3341250 2351500 DLANT1C NATIONAL 2341530 2341560 2341966 RST JERSEY NATL BANK UST CU UP NEW JERSEY 3340593 2340639 2340730 2341968 2342076 2342140 2342145 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis NJ NJ NJ 749433 109913 502467 15377 2628 19769 2578 637500 399026 51177 NJ 5646 0 17061 28801 51156 22707 NJ NJ 1076016 224920 20729 2778 41461 8 520 62190 11298 52671 7040 9319 4258 267586 578844 R1TAGE BANK-NORTH NAT ASSNMUNROE TWP iERICAN NAT BK £ TR OF NJ MONTCLAIR RST MERCHANTS NAT BANK NEPTUNE TWP NJ NJ NJ NJ NJ NJ 6454 11382 10503 10251 7662 8 594 24797 11023 11807 19604 1504 8 36179 21426 22038 8851 2 7463 23138 14823 19^03 6197 8716 -1712 7235 6163 7325 13611 0EL1TY UNION TRUST COMPANYNEWARK RST NAT STATE BANK UF N J NEWARK NJ NJ 718970 6286 15717 28257 40290 55007 68003 MMER1CAL TR CD OF TWP BK/SOUTH HADDONFIELD N J JERSEY CITY JERSEY CITY JtRSEY CITY NJ NJ 391970 374104 433044 265795 1113061 9032 39746 27466 9442 31832 61727 4169 23175 6276 member banks ($ 1000S) DSB name LOCATION 2342200 2342483 2342529 ^34274? 2342812 3342830 T ocean CTy Ng op BAN* 3342800 2342933 WT 2342945 c“n°SsL 2342980 2343070 2343189 eirst 2343265 HRs\ NJ NaFLtn‘N^ “■> °F *J ; r bank of kidgewood *UpT”^0R0 2343309 Mrst mat sta\Te Bk op NW JfcRSucfLa\lNFl£L0 2343515 ^IC NAT Tt^™* MiDLANTlC NAT'Lyrj('0U!ylY 3343330 2343334 3343350 fi£s\T na6t°rF T0MS * !« "S Nj Nj 197125 115072 Nj ibNAF^ NJ Nj Nj Nj Nj 3343497 2343534 PROSPECT P^u1kD bANK NA 3343569 NBRcTTRe°PLes NAA;jb°ripB^K 3343690 JPENlON WATNc '^D 609169 664334 105943 226808 NJ NJ 684675 152966 9083 7259 14231 6361 7655 12691 11193 3327 4450 30394 7777 2360065 462 53 10568 345516 122305 10o464 ALBANY NY 22202 14471 4984 806 2456 32770 19455 4544 3199 26367 13956 5350 5657 6403 5499 4353 5270 997 38 7 236937 NY NY LAWRENCE NATIONAL BANK BOFFalu canton 8053 3776 15379 476100 501734 1268892 NY NY NY 6055 30730 9418 256623 NY NY Ts co 7500 18097 780765 737479 NY 2361460 4— O -4322 4719 573378 NM NM NM CRUCES 23612BQ 2361300 2361310 5059 3354 ALBANY Co albaS/* iJtL£.,3aNk 2360741 2361267 -3817 718 7549 34716 MA?KC£aMMtTRlLOLOaKAEBfMY NA 2360130 2360130 3736 2264 2412 3058 NM LAi 4802 4542 28621 KlsOSl^-sa _______ 1696 1943 5770 14709 31033 44436 5777 10903 4177 3535 663 6829 13581 17317 16973 4196 9053 16369 4824 4970 5423 5465 11371 31745 1581 1850 13525 5695 1537 40890 7068 17241 4333 4391 7087 2865 2155 19799 16359 36947 6332 23334 20057 6961 12 761 14243 6040 3716 9411 6401 3556 4410 4536 9885 13 792 340497 Nj 6935 4628 14251 12798 26659 4792 1909 2 18861 317246 Nj 6078 3919 920 1504 50165 30777 13337 17728 13127 6960 2442 428972 405674 769028 64408 35110 24457 12969 4759 163713 137834 Nj Nj Nj rjEog?4NK n. ^-EO1SNON SS;\Tt 48304 4147 3333 125805 Nj w,t naA; new rr DIF 16104 10653 643932 333180 211170 169383 NJ Nj NJ PLa!'k?WAY BAL 958327 Nj passaic RES VLTCSH totrr Nj mew j£RS£y 0£P 37552 137670 6617142 113078 2356 13555 6036 22895 12 704 39 120 310890 3 618 7340 38705 31007 48627 38682 48100 14089 9610 24965 23583 2667' 28283 71672 448560 5974 6215 10122 17093 4479 1706 68829 365455 4700 2843 619 63105 5155 8/15/78 EFFECT ON RESERVES H.R. MEMBER BANKS 13847 1000S> T DEP VLTCSH RES BAL TOTRR NEW RR DIF LOCATION NAME DSB CHEMUNG CANAL TRUST ENDICOTT TRUST CDMPANT ENDICOTT GARDEN CITY COMPANY LONG ISLAND trust company GLENS FALLS GLtNS FALLS first nb of glens falls glens falls nb g tr co HEMPSTEAD HICKSVILLE HEMPSTtAD BANK ' ' long island BANKTail_T ,n ITHACA NYJAMfcSTOWN 10"PKTT»Ss'; L “ TtRSKNaI OF UANtSTOUN bk JAMESTOWN MIDDLETOWN empire national bank NEWbURGH OF NEWBURGH ) rllGHLAND NB ) BANKERS TRUST NEW YORK NEW YORK COMPANY j BANK OF NEW YORK 3 BARCLAYS BANK OF NEW YORK 5 CHASE MANHATTAN BANK N A 5 CHEMICAL BANK NtW YORK NEW YORK NEW NtW YORK .____ YORK ‘TR - i2£ “ ,°o MANUFACTURERS haJOVER TRrCO new >6 MORGAN GUARANTY TR CO OF - « ” XS £T£CO OF NT « K^t" 70 BANKERS I v CCf'S£S.TlTNN» ,£R NY u -S e.^FlSs °B >80 SEC TR CO OF „„ torn NEW YORK NEW YORK NEW YORK NORWICH ONTARIO POUGHKEEPSIE RULHCSicn ROCHESTER OF-esterrgchtstfr ROCKtSTE SCARSDALE >70 SCARSDALE NB G TR GU SoHENECTADY >90 MOHAWK M8°F.^T COMPANY SCHENECTADY 320 SCHENECTADY TRUST COMPAN u$fc 410 FIRST TRUST \A SYRACUSE 921 LINCOLN FIRST BK-CEN 430 MERCHANTS Nb G TR LO 660 ONEIDA NB G TC OP C “J Y 870 NAT https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis NY NY NY 169432 145400 191240 132060 112931 NY NY NY NY NY 167523 NY NY NY NY NY 137545 436798 143901 8542865 3380825 401704 1B773956 NY NY NY NY NY NY NY NY YORK ™ NY NEW YORK .0 MERCHANTS »*»Jj 110479 116995 631993 SYraCUSE WATERTOWN BANK O .^^^CHP STERWHlT NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY 12368426 17703968 2135416 4649829 16918111 123077 10770016 2223183 1723240 144619 342119 777616 165401 143802 170135 351597 948074 514798 135626 108199 164588 417492 330170 271353 550532 180851 587445 3864 2427 14386 4810 2519 2103 3461 26837 2522 4355 10198 5961 3875 4578 2103 1910 4216 3072 7970 2211 85362 45761 3991 162880 145084 112607 26014 49356 4076 3290 15219 5435 264794 60 2163 581 1467 2734 564 8 6690 32217 10534 1260 7332 6874 1477b 8064 5785 8292 6362 23189 7646 350156 205287 159526 21225 1010635 25216 1173515 725281 10869o7 8703b5 1199574 159232 133218 222035 785957 768b 132742 2410 19429 42096 53677 5967 5888 41223 271391 918b99 10096 665883 646454 130702 . 172798 69818 9483 24732 16141 9423 225b9 40960 4 1541 0386 6919 5448 8182 10609 19277 62237 4961 12 567 30020 16428 5791 ’ 26962 7051 390 749 32450 3598 2474 4355 1617 372 3741 2336 16487 2261 4l3b64 17 5626 20780 1063718 784805 1155632 107227 184822 718890 641 590976 166874 9 5025 2263 12248 52180 3866 2368 4577 13854 48762 22224 2126 252 3916 17116 3098 4330 109o5 1953 5051 4668 13236 8998 24201 12076 8384 16797 14577 5158 7300 9672 17234 15684 26469 3305 10177 5o64 27537 8969 37714 4522 32095 9971 257o3 5577 5139 8773 3734 4400 10421 6447 5413 4551 402b 4702 5385 -63528 29661 4436 109797 85560 43942 52005 86569 199809 9455 74907 5924 -25207 7220 12484 —10639 4520 5814 6032 5423 13475 4738 4925 4799 5082 7085 2657 5713 706 4447 5619 44 MfcH®ER 64Nks (J JOOOS) 056 name ’l -NATION °cation 53?035l 5370355 NORTH 5370730 5 of nc T 0£p ;La^ER5 5-37?23o WACHOV1A nVt r* eK 5 °F 5RSrTR co lR “♦390995 *3912oo *39l230 *39124,0 rUN-’7£0 central trJ??a5 CINCINNATI CINCINNATI CINCINNATI CINCJNNATl OH OH OH ?'1,Y NoCTR cn r &aN'K S “f ““"Bus SVGS\ 7R 7RO5T *392222 NAT BK TR co EiRST ccevelano Ct-EVcLANO Cllvelano CEEVELano Np r t\°F F7N0LAv *393060 *393400 *393530 r-^XfcX1G;-c 8an7 °C0 PHoen/J NAL faANK *394040 c"“ — C«TX NR f)C ........ FJRSI OH OH OH OH OH oayton E-•'MA cvria CCYRIa OH OH OH C0CL10 ---- OH eindlay h^-«lton of Kfc 1 N7REN; •««..» T LOR IORajn ain NtOlNA MlNRjl 774169 769677 4364 77601 OH OH OH OH OH OH UH 22566 26358 5695 5038 70600 75103 23238 6098 72674 70829 721332 5906 5562 9005 1594 8 70751 179397 4250 77270 16647 322340 24933 319471 6934 6654 74289 3112 227452 705973 7j5?39 94542 734506 7*4316 3132 79781 07627 35436 38253 30378 19732 29902 73045 12395 26726 3208 3190 6367 3512 7623 9127 3892 4520 1745 704703 76347 7119 7250 75591 731090 8012 77440 27641 641345 786679 739261 74076 ‘7788 13971 7 7435 78245 792414 7 9137 3o993 7 653 28622 29067 3272 7761 34701 36546 870767 633042 *742638 6575 20 753 71301 5046 74471 70170 7656389 7032464 OH oayton OAVT/ im OAYTun OAZTON Co 744217 5705 419977 790660 751377 l462ale 2 “946704 OH OH OH L°7UM8U5 COLOMfcos C0L0M805 -^UUMol *391510 12562 76240 696926 697433 OH OH CCeVElano 89138 7^5377 757735 6098 7290 9855 7*4273 689b 35124 361654 OH OH C/NCInnaT.’ ccevelano ccevelano -«x *391920 *392i90 .£.Ly**A *392200 771704 6069 5659 5922 56065 688105 •'"IVj ^83499 356491 OH OH ^“',PA',y "* *391470 *391495 *j9227>0 *39277o OH OH OH T«UST CO J^lON Sank c Tf°rANTUN *391420 *391430 *391610 *391640 *391890 80601 776932 5532 4941 9005 70564 365104 2 <>5967 748154 NC NC Nati^^U h'S 796808 795699 ^60202 NC NC NC 70TRR OIF 37103 34803 baw *391290 &TSiNCIWMn *391310 *391410 *391500 *391550 ?fC^ONVULE o bAl NEW RR 1522l40 2<»41735 NC Ctrl TC op°lArC 6AM of Akron HARr£R fax rNTDHeSTRN OH S^AKRON ^LES-if™ CO NA CAM TON A391oEO ^391030 *391040 HJCKORy WiWST°« SALEM NAA;sAAt Rfr Mts NC NC ^1UNlA RL^1fiCRTOM ^?LKy NOUNT CO MA ____________ “♦390033 *390060 VLTcSh NaT10Nal 6anJHARLO7TE k,C^tts P^P^oen^ 5370970 f*rst N6 OF c^T10Nal baSk 53710^5 ^NK of MOPTH IAW8a CTY N' 537J20s SOUTHER^ NAT^f**0*-1^ N . t37i?30 3034 3069 4154 294 9 2976 4052 4046 2045 74102 33101 7496 9011 30292 769636 850&2 536ol 46265 4181a 4 73 73 54835 79979 21049 41015 9499 6720 12317 5515 7554 4814 7130 6995 609 7 6653 5347 5315 2181 5903 45692 45914 56259 2414T 70391 5035 5692 9694 74434 667 36284 5236 9608 74005 76228 31909 40031 17425 5642 2597 52934 764089 707240 56269 44389 33044 39759 53191 72025 1 7277 30351 4012 7969 7058 52 1533 7 78 2023 2853 6 72 44 KO 6716 4749 6414 -2642 554 7 -16178 -2608 7876 8174 7614 7 644 7954 9772 70664 4 66 7 5463 6021 4636 5107 4142 5425 8/15/78 EFFECT ON RESERVES MEMBER BANKS DSB <» H.R. 7000S) 4394270 PARK NATIONAL BANK 4394588 MID-AMERICA NB 0 TR CO 4394830 LAKE CTY NB OF PAINESVILLE 4394831 4395005 4395730 4395775 4395910 T DEP LOCATION NAME NEWARK NORTHWOOD PAINESVILLE PAINESVILLE LAKESHORE TRUST COMPANY PLYMOUTH FIRST NB OF MANSFIELD SPRINGFIELD FIRST NB OF SPRINGFIELD FIRST N6CTC IN STEUBENVILLE STEUBENVILLE SYLVANIA SYLVANIA SAVINGS BANK CO 4396005 FIRST NB OF TOLEDO 4396020 OHIO CITIZENS TRUST CO 4396050 TOLEDO TRUST CO 4396300 SECOND NAT BANK OF WARREN 4396310 UNION SAVINGS AND TRUST 00 4396750 DOLLAR SAVINGS 8 TRUST CO 4396760 MAHONING NB OF YOUNGSTOWN 4396780 ONION NAT BK OF YOUNGSTOWN TOLEDO TOLEDO TOLEDO WARREN WARREN YOUNGSTOWN YOUNGSTOWN YOUNGSTOWN 13847 OH OH OH OH OH OH OH OH RES BAL 161756 114179 3889 2288 3750 2724 259211 105378 4436 8017 4304 3837 203612 104066 109817 167596 OH OH 395710 388762 577244 182267 203999 356772 OH OH 243526 252056 OH OH OH OH VLTCSH 1240 6182 3360 3328 2558 12646 10224 9593 4788 3067 10907 7677 4487 TOTRR 7639 5012 12453 5544 10019 5177 NEW RR OIF 3087 420 4552 8537 3916 5109 4264 5126 5407 4592 8481 10562 23563 3990 7071 7337 21127 20786 33156 8778 435 5755 51 269 3870 15741 15960 27265 4456 10138 18244 5732 14502 4406 3742 4366 8918 12043 13405 7949 9280 4094 4125 1617 2348 4637 5676 7395 3525 5366 4826 5871 4322 £W 10400210 FIRST NB IN BARTLESVILLE 10402525 CITIZENS NAT BK 6 TR CO 10402540 FIDELITY BANK N A 10402560 FIRST NATIONAL BK 6 10402570 LIBERTY NATIONAL BK 10403367 BANK OF OKLAHOMA NA 10403380 FIRST NAT BK 6 TR OF TR 6 TR BARTLESVILLE OKLAHOMA CITY OKLAHOMA CITY OK 143773 OK 114182 OK 324643 OKLAHOMA CITY OK OK 867695 740191 OK OK OK OK 665181 654668 224554 181817 CO OKLAHOMA CITY TULSA TULSA TULSA TULSA 10403390 FOURTH NAT BK OF TULSA 10403425 UTICA NATIONAL BANK 6 TR CO TULSA PORTLAND OR 2816713 12410560 UNITED STATES NATIONAL BANK PORTLAND OR 2653299 12410520 FIRST NAT 3420075 3420099 BANK OF OREGON FIRST NAT BK OF ALLENTOWN MERCHANTS NB OF ALLENTOWN 3420204 PHILADELPHIA NATIONAL BANK https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 1207 691 1843 2304 3474 7133 7417 b92 1989 10347 4974 18246 50813 36 7 36 30602 31642 12913 8 263 11554 5665 20089 53117 40210 37735 39059 13805 10252 1627 9927 276 5389 9076 10719 11013 42398 31208 30364 26092 6878 4280 39670 132075 171745 168248 35216 132872 168088 154191 9002 7371 12967 6927 5972 3497 13897 PA 640526 10189 18123 28312 30940 -2628 ALLENTOWN ALLENTOWN PA 410076 2452375 6830 137561 17809 181651 18538 148346 33305 ARDMORE PA 8979 44090 -729 member banks 1000S) on reserves EFFECT H.r. 13847 6/15/78 T DEP 3420327 3420328 3420329 3420756 GIRARD SANK 3420920 3421305 BALA-CYNWYD BALA—CYNWYD BALA-CYNWYD ourtRTo BOYERTOWN &RYN SOUTHEAST NATIONAL ADAMS COUNTY NAT BaSk 3421685 3421926 3422043 3422142 4422830 4422644 3423010 3423132 <•*«< NIA *ANK Cumberland Najional bank easton nat bk a Tr r £ ou D°is LAUREL. NAT1O,^C £ast^ bank TWP pa 2110485 PA PA PA PA PA «v«Grs°;R;« 4423510 NATIDNai '*'UCUKGH oxi " * I UWN NAT BK WJLKES-dARRe WILLIAMSPORT 1/2483 173146 305^66 1067749 PA 1618826 PA PA 5531314 PA ^40165 1N^?r?ae9n°; RMODE 3049 3249 10942 184694 PA 980 5097 5 030 131784 7932 38903 2674 13344 8311 55557 285070 43 602 9558 3668 53404 3155 2280 7714 447930 176566 121176 PA 2738 3430 3543 141015 306590 159837 PA PA 184 7 3902 5166 1297 54575 151076 162791 PA PA 3211 16108 6057 2937 20564 44152 13473 892600 287145 106224 1661296 PA PA PA PA PA 1970 3448 6039 3807 34909 3542 2076 37489 189697 128244 4672 89972 28862 9635 5129 9505 6148 36692 4585 4862 8781 6553 163502 15392 53711 5179 19363 12118 90466 329222 57075 14724 4985 107979 3630 6585 7173 7132 15673 4011 3435 7159 9731 20964 7553 5511 DIF 29254 261473 8235 -71776 121326 6918 4452 13389 420 76563 21814 4391 4652 8159 4110 6482 10022 NEW RR 7048 214 1101 6105 4087 3159 2505 396052 236221 TOTRR 2939 3959 2146 2548 7460 14806 116253 PA PA 3362 64544 19633 3684 1523 31718 1/1977 2403317 PA PA PA Lancaster LEBANON MEADVILLE NEW CUMBERLAND 4426723 UMLcCNX\AVr% p PITTSBURGH 4426822 PITTSBURGH FfaPf ;XGc” PIlSS 3427065 PENNSYLVANIA N° N fa f PITTSBURGH 4427119 ^ AE BA^ ° prn i <; u.. . - • ~ IVAH 3427430 EIDELITY BANK I Ml 3427695 Rfi5* P M f'At-r RGSEMcm 4427621 SCRANTON 3426100 SHARON 4426622 SOUDERTON 4426712 UNIONTOWN 4428725 WARREN 3428982 WASHINGTON 3429027 WILKES-BARRE 3429090 NAn xeoVp‘:r£ 685006 113919 PA PA PA PA INDIANA 3423618 3423808 PHONAL CENTAL TXA~ 3423969 LEBANON VALLRv Lt NK 4424672 pIRST NATIONAL 6^KIOnAL BK ,3425472 CUMBERLAND CTY nat °F PA EQUI8ANK NA 145004 61924 922 9 1452 148189 111837 184786 BAL 22017 147521 66320 1510 25428 485981 105892 121744 PA NATIONAL Bk OF Pa .EBENSfaURG FIRST nat aw RK n?NAL BK UF 0F p p A GREENSBURG FIRST NAT I K" Y (-■ R P u m i ? •», . — “-■'^''•wtALTH NATIONAL Bk T" GREENVILLE RES 15472 42176 109129 1332658 PA PA 4423456 4426620 6I36I3 3433931 PA PA 3423140 4423465 PA PA PA bryn mawr VLTCSH 4177 5004 2518 4117 530 4583 2351 33180 4599 4922 3797 3512 783 1171 42 73 1037 136591 11818 56700 852 17025 7853 113302 315548 44131 10611 347 95073 2794 3531 2443 12644 3352 5023 19321 4378 1346 3802 3711 450a 5516 26911 3574 -2989 4327 2358 4265 -22636 136 74 12944 3913 4636 12906 3791 3642 4689 3029 3807 4708 1643 3175 4165 island PROVIDENCE Uh M providence Rl Rl 118843 1316 1497099 1/382 3785 63671 5101 76053 982 98786 4119 -22733 32 -4 31 0 -7 8 8/15/78 effect on reserves H.R. MEMBER BANKS 13847 (* 1000S) T oeP VLTCSH RES BAL TOTRR NEW RR 45026 45126 DIF LOCATION NAME DSB 864516 1 HOSPITAL TRUST NAT BANK PROVIDENCE 14352 30674 -100 RI 1440270 R 607562 SC sc 911544 542310 sc sc 5451260 NATIONAL BANK OF ’,::s ssi rapid city S1°^x IN FALLS 9461290 NATIONAL BANK OFS U 9461300 NW NAT BK OF SIOUX FALLS 9461321 6470380 6470388 6471400 6471490 UNITED NATIONAL BANK SIOUX FALLS SIOUX FALLS SIOUX FALLS SIOUX FALLS SHHF 8471860 8471870 3471890 647z080 6472085 FIRST TN BK NA FiRST^AMEfnCAN THIRD NAT BK 14202 2937 29098 40615 26781 4621 48076 69993 40983 7558 27480 43761 24316 20596 26232 614 6944 16667 SC ABERDEEN 9461260 FIRST NB 117105 18978 29378 McMPHib national banknaehville IN NASHVILLE NASHVxLLE 208997 SD 224611 111715 SO SD SD SD SD TN TN TN TN TN TN TN TN TN TN 1606 2187 405518 280927 1836 3575 2256 122929 1174 442077 270396 178781 355658 1047210 464680 737562 882383 970363 869676 8049 9201 8111 7521 8977 9327 419 17147 10062 5611 1194 15485 23534 17325 7265 2040 13273 20279 16581 lb466 8660 3569 4253 15871 11047 4437 18790 26420 34680 37927 10151 19083 b0258 24924 45578 44459 56717 9165 39 801 48966 5blO 39979 8343 19158 9779 5926 7026 11164 6089 19446 13303 14091 51290 18700 37936 44149 47056 39884 3401 4138 5670 2299 3241 4417 6209 7 806 6582 4992 8966 6224 7642 310 9661 9082 6472100 U«,OOEO C1TIIEN5 NAT BK 11AB0030 FIRST NAT IN ABILENE BANK OF ABILE ^SlSL?JEAT^L BANK https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis ABILENE A&1LLNE AMARILLO 152825 1654 6565 TX TX TX 157509 170215 2179 1438 6131 6503 263379 2240 12242 TX 7941 2394 2470 2491 5825 5840 5450 14482 7317 7165 8219 8310 U member banks 1000S) EFFECT ON RESERVES H.R. 13847 8/15/78 DSB NAME LOCATION T DEP 11480150 11480160 11480330 pi«ST N6 OF nJ a.isttm AMAR1«-L0 AMERICAN NAT BANK 138366 11480340 AUSTIN NATIONAL BANK AUSTlfJ 11480350 CAPITAL NAT BANK In AUSTIN 11480370 CITY NAT BANK s TlN *^TIN 11480530 AMERICAN NAT BK fiF AUSTIN 11480540 F1R5T SECURITY NATIONAl 8fcAUMUNT 11480595 first state bk of beh A,ocNKfa£AuM^T 11480990 FIRST NAT BK AT RRiiUWc^?R£ B6LLAIRfc 11481000 FAN AMERICAN BANK 'VNSVlLLE BROWNSVILLE 11481731 CORPUS CHRISTI 11481740 CORPUS CHRISTI 1148/020 first nat bank Bank im ™ Natida,ai JR mercantile nat rk 11482080 461850 381543 339491 179368 208530 ch«tsti Dallas 11482100 11482560 STATE NAT BK OF EL PASO EL PASO EL PASO EL PAKn 11432830 1)482640 EL 11462850 11463020 11483870 11463918 SOUTHERN NM 11464890 11484980 FIRST BANK - 11465390 natM!RCE bAN* N\*; 6bxk - - 896227 H51I0 103135 1019627 340793 260790a HOUSTON HOUSTON HOUSTON BA?ISAfTB--K 11484900 331425 HOUSTON HOUSTON 11464906 "A 11435400 HOUSTON 365442 5J1678 HOUSTON LAREDO 231430 2062478 LUBBOCK 258567 Lubbock 316760 LUBBOCK MC ALLEN 278609 l45a6a 110338 M1DLAN0 MIDLAND «^R'.rj6“FoL™'G-T„UR 11486880 11466900 SAN ANGELO ANGFI n NB no UF ..r 11486910 413410 113599 738793 11483926 11464580 11485810 11486260 2348 3120 FORT WORTH UMlTETDHSU?EsGNAneJfMLNJA\8K& ^Vts?SN' ' ALAMO NATIONAL SAN^NMl n . .. EL0 BANK 424706 ODESSA pSJs:»thu, 186855 109173 SAN ANGEL0 ANGELO 119652 utL° SAN ANGELO 125766 SAN ANTUNIO 7911 117991 355897 PASO 19703 21451 2496 3019 157770 256936 2425545 394806 H483815 11433837 23756 8427 5992 FORT worth ..................... ... FORT WURTH 11483040 11483789 11483796 4609 3004 3229 228002 2531408 OF 5605 16255 12^02 4162 1862 1191652 11462120 FIRST CITY NB 4087 2028 4850 1370 109251 147238 CoftHUS CHRISTI at r 1135 367109 227585 6ROwMSV1lle in i^fis 11482070 11482565 11482570 RES QAL VLTCSH AM^?fLJMAR1LL0 *"**1110 128297 269691 4301 6410 12ul9 152623 9297 7508 61120 2346 10237 10641 150042 2063 5100 16743 17201 2964 2631 17844 14996 4382 2545 5952 9530 1068 654 7715 2010 14377 2842 38949 50842 • 5123 4792 51598 16581 162181 18U73 31585 2263 1420 11953 144045 9241 2475 10069 2693 11645 2552 12092 1109 2150 7507 3633 2289 26454 1005 1605 10703 5895 1029 2257 5233 4647 5447 12426 1382 3061 TOTRR 6740 20342 14530 28565 22707 23947 10930 13277 7362 7391 61&3 6758 15139 161920 68628 12987 160279 16826 22301 5815 22226 17541 44901 60372 6211 5446 59313 16591 176558 20915 35853 13373 153286 12544 14738 14644 8616 5983 26743 1170a 7500 6262 BANKS DSB 1000S) 1$ H.R. LOCATION NAME BEXAR CTY NB OF ANTONIO SAN ANTONIO TX BROADWAY NATIONAL BANK SAN 11486970 FROST NAT BK OF SAN ANTONIO SAN 11467010 NB OF COMMRCE OF SAN aNTONIOSAN 11487020 NB OF FORT SAM HOUSTON SAN ANTONIO ANTONIO ANTONIO ANTONIO TX TX 11486930 SAN 11486933 TX TX TX 11A87950 CITIZENS 11487960 PEOPLES NAT BANK OF TYLER TYLER FIRST VICTORIA NATIONAL BANKV1CTUR1A VICTORIA VICTORIA BK L TR CO CITIZENS NAT BANK UF WACO WACO FIRST NATIONAL BANK OF WACO WACO WICHITA FALLS CITY NB IN WICHITA FALLS TX TX TX TX FALLS 11486068 11A8E090 11968110 11406120 11486400 114S6410 FIRST NAT BK TYLER FIRST—WICHITA NATIONAL BANK WICHITA 12490290 12490900 FIRST SECURITY BK OF UTAH NAO&DEN CONTINENTAL BANK AND TR CO SALT LAKE CITY 12990930 12990970 12990975 TRACY COLLINS BK ANU TR WALKER BANK ANO TR CO Z10NS FIRST NATL BANK 12990495 VALLEY BANK 1500150 VERMONT CO AND TRUST CO NATIONAL BANK SALT LAKE SALT SALT LAKE CITY LAKE CITY CITY SOUTH SALT LAKE BRATTLEBORO CHARLOTTESVILLE 5510490 NATIONAL BANK AND TRUST CO 5510534 FIRST C MRCH NB OF T1DtWATERCHESAPEAKE FAIRFAX CTY 551C99O NATIONAL BANK OF FAIRFAX FAIRFAX CTY 5510994 FIRST VIRGINIA BANK HARRISONBURG 5511350 ROCKINGHAM NATIONAL BANK LYNCHBURG 5511625 FIDELITY AMERICAN BANK NA 5511630 UNITED VA BK / 5511790 5511950 FIRST 5511963 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis NB OF FIRST NAT MART1NV1LLE DOMINION NB OF TIDEWATER UNITED VA BK/SEAOOARD NAT 4256 12777 16052 13025 36653 455 68 83 49933 12342 131236 13012 25028 6171 114775 8998 11423 VLTCSH 1058 2156 10085 9862 650 1225 1392 152601 251390 199157 1010 2157 6602 5729 12442 7291 7298 202 5375 5805 5629 8945 6562 RES BAL 6509 52 36 32667 25224 7576 7337 7761 9576 15801 DIF TOTRR NEW RR 7567 1869 1532 5678 5860 35091 21401 1259 7661 8685 7167 7356 7392 92752 30086 8926 10586 17958 1 1519 1206 2471 2825 8071 4933 8562 9153 6682 7761 9687 6566 5890 6738 UT UT 1191027 169389 12924 2098 99805 7866 57729 9964 195398 1331 5999 7155 28065 36596 8486 34064 41348 56058 3290 2269 1671 6674 6217 7139 25173 8891 3190 11727 5919 8002 45 76 3426 4249 7582 11831 7600 4231 3954 2591 3689 9698 18785 9 129 1508 1628 18642 407 6130 7659 1191 7638 7239 26644 6698 2507 3291 2679 11G07 17943 761 -288 UT 4802 4593 VT 182030 2583 VA 233392 127697 130599 939523 MART1NV1LLE NORFOLK VA NORFOLK VA VA 131765 119398 369212 7167 38158 5902 567995 781958 212513 369119 119991 7202 36511 3546 4417 1200 9360 6249 45322 7903 8825 6012 254 16301 6904 5496 5363 3315 8632 2014 2195 3710 5704 VA 6920 4516 8248 14804 713 8085 10998 12891 VA 6049 6249 5175 640 15306 8865 LYNCHBURG 198 5863 -5586 7124 8/15/78 190496 132467 734293 515134 126412 130287 151522 111182 6810 9357 165865 TX VA VA 4985 5756 7103 66430 9219 5399 8029 VA VA 7078 407 1655 8329 152563 2300 2 791 2424 4026 UT UT UT 6674 7000 62 77 284 2406 196109 173596 222201 TX TX 6762 10382 13565 13b47 T DEP 5228 7812 7923 5366 6607 23179 15925 6829 15507 DIF 1512 12530 887 1099 EFFECT ON RESERVES MEMBER NEW RR 11519 3550 2292 3500 11888 5315 17655 605 7 5583 6374 23407 1610 447 14248 5825 5611 8002 4908 5296 3973 5927 9159 MEMBER BANKS ($ 1000S, EFFECT ON RESERVES H.R. DSB NAME 13847 LOCATION T DEP 5511985 5512185 5512345 vxnbiNIA NATIONAL BANK FIDELITY AM BK NA TIDEWAT! BANK OF VIRGINIA iUtWA" 5512350 FlR^rLor7 EK °F RICHMONC 5512370 FIRSTSMERCHANTS NB 5512410 6ANK AN0 TRUST CC 5512430 UNITED VIRGINIA BANK 5512460 FIRST NAT EXCHANGE bK 5512462 CULONIAL-AMERICAN NAT BK 5512653 ALtXANORlA NAT bK OF N VA 5512655 NURTHERN VIRGINIA BANK 5512904 DOMINION NB OF NORTHERN VA 5512911 UNITED VIRGINIA BANK-NAT 5513070 C M£RCHANTS NAT BK 5513145 FEM NAT BK OF THE PENINSUL- 12530851 12530860 12530367 12530870 1253C860 12530990 12531060 PACIFIC NB OF RICHMOND RICHMOND RICHMOND RICHMOND RICHMOND ROANOKE ROANOKE COUNTY 104692 VA VA 522515 307546 1017912 VA VA VA 173260 725602 TOTRR NEW RR 40504 4212 59326 16286 11122 99830 5526 24732 91710 8446 24 24198 15596 60814 10918 56934 4678 4326 5139 3269 4474 16689 2633 1314 43925 773874 6456 7361 5930 28 620 33008 8563 37078 40369 5644 4237 31939 37100 DIF 8120 5502 534 3660 lb8292 135153 3337 3069 127026 138353 4309 3448 6981 7378 4084 5056 1933 7532 3925 5445 VA VA 456059 144096 6372 7242 VA 4474 10373 2964 125119 4550 VIENNA VIENNA WINCHESTER YORK COUNTY 1739573 RES BAL VA VA VA VA SPRINGFIELD SPRINGFIELD SEATTLE Seattle POGET SOUND NATIONAL BANK 4989 18<16 94t>3 26569 4264 3217 1160 2221 21335 7228 2145 7767 7254 5083 1839 5928 _ SVGS L TR WA 1005888 WA 937993 WA WA 2318452 4044962 WA WA WA 344774 763616 456618 18389 36440 T7021 35315 40233 108568 69347 174553 6313 15«r50 12227 29037 11764 12717 54829 50873 57254 143883 44807 132045 243900 229520 18540 44287 24461 13144 38760 19661 3956 12447 11838 14380 5396 5527 4820 BFCKIpy CHAR! Si CLARKSBI Parkersburg national bank WHPPi I Wf Mrii i » r, WHEELING DOLLAR VA VA VA PORTSMOUTH SEATTLE bank 5540260 5540320 UNION NB OF CLARKSBURG 5540620 FIRST HUNTINGTON NB 5540930 FIRST NB OF MORGANTOWN 5541060 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis NORFOLK VLTCSH WASHINGTON eoples nat bank of wash 5540060 otGKLEY NATIONAL BANK 5540070 RALEIGH COUNTY NAT BK 5540230 CHARLESTON NATIONAL BANK 5540240 = 5540250 4541720 8/15/78 HUN1ING' MORGANTI PARKERS! COWHEEUN Hv 117526 HV 114319 HV 201072 wv HV 136932 259036 HV HV H6642 143724 HV HV 135007 107125 HV 109277 HV 106353 1559 3781 2383 5050 5340 3536 781 5919 6653 1061 3601 11703 5927 9543 500 5114 3259 6988 13144 2506 1690 2144 5765 5564 9567 2127 4994 7254 7088 <282 ^•567 2760 2300 2797 5694 225 2373 317? 5062 5550 4954 4341 5469 389 306 4678 5242 1127 2930 4559 5419 6589 4058 3557 3638 NQNHfcKBfcR BANKS ($ j OOOS J 6/ OSB name LOCATION T OfcP VLTCSH RES bAL NEw RR TOTRR OIF *10662 319352 3050 6072 H423 -29677 -11423 ANCMORA&t ANtMOfcAOt 125202 2387 115184 12040060 ARISON* Ramw !%%% xT;N:t\T:LtANK PHOtNlx PHUtNlx 1793 1137864 195072 264876 391942 PHOE Nix PHOtNlx TOC SUN 60b22 5373 8623 15963 101287 546 12060353 COLOfcN STATE BANK CUMMONlTV BANK 12O&O535 12060630 12060660 ANfcRlCAN Cl TV bANK ^PtRll^N?1^ 6ANK 1206u702 »2O6G7Gr 12061180 HIChANICS Bank 12061330 12u514?o 12061437 lt06l4-.0 °F of maJ?J GF 1ASAN FRANCISCO 5AN FRANCISCO 138484 2^965^ 132337 1o7z90 San Francisco FRANCISCO 34o21o SAN FRANCISCO 19<?663 San Francisco 282161 San franoisco Francisco FRANCISCO san rafael 16710 485 2513 2830 223740 522435 SAN san 1986 12 182 102526 sania MONICA 187787 Santa rosa 163190 104712 STOCKTON STOCKTON 169618 SObTHWtST VISTA 1000S) C 2090093 C1TY1RUST 2090500 PUTNAM TRUST 00 1090665 UNITED BANK AND LAKtwOOD TRUST BRIDGEPORT OREtNWICH HARTFORD CU TRUST NtW HAVtN NEW HAVtN NtW HAVtN 1091070 FIRST bANK 1091110 SECOND NEW HAVEN bANK 1091131 UNION TRUST COMPANY 2091526 FIDELITY TRUST CO 1091740 COLONIAL bANK ANO TRUST 3100050 3100325 3100360 3100410 6120105 6120157 6120190 6120*54 6120300 6120470 6120790 6120906 6121005 6 12 1 * 77 6121367 6121410 6121423 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis RMtkS SK OF THE ,NK OF DELAWARE ST OF STAMFORD wATEKbURY CO DEL LAWARE TRUST COMPANY LM1NCTLN TRUST COMPANY ,ST bKCTR OF PALM DOVtR WILMINGTON WILMINGTON WILMINGTON BCH CTY BLYNTON BEACH >t CORAL bANK •K OF CLcARWAitR 4 BANK OF MIAMI CAPE CORAL CltAkWAltR CORAL GABLtS ,1A BANK COUNTY DAN1A PORT MYERS jPLtS bANK LAKELAND bANK OF -»K OF MIAMI I eP.CDNT INtNT AL COAST tANK OF SARASOTA MMUNIIY BANK POMPANO MIAMI MIAMI BEACH BEACH PETtKSbUKG oChPUMPANU ANO TrUSIST bK ♦ OF LAKELAND BANK PtTtkSoURG bANK LlS T LOCATION JEFFERSON BANK TRUST PINtLLAS CUSAkASOlA StMlNOLt 1 5355 3251 IO223I 5d13 -15355 -102231 8897 1 76 j9 -6697 849 93 5 7 762 llOo 8657 1400 4 92 50 lol6 4745 1625 1864 1000 2214 CO 6/15/76 CN RESERVES H.R. NAMt DSB 10081015 (* BANKS -22551 2 093 7 16,'i I I 2 169618 1265o5 133354 EFFECT NONMEMBER -35 3226 22561 1 265o5 SANIA ROSA STOCKTON STOCKTON BANK -5506 525 133364 12061690 LXCHANUL BANK 12051770 BANK OF STOCKTON 12061790 UNION SAFE DEPOSIT BANK -7o57< -1671C 12881 5O448J 131144 272371 1005O86 VISTA 12061922 -446 1610 5822 1047 loi? 1 102? 705 76 129148 157^50 *15121 San Calj^rnia 12 Col^22 ANGELES ANGtLtS 515400 2ul146 LUNLUN STOCKTON OF LOS LOS Park 329899 1560256 12061670 12061690 12O6177Q 12061 7 jo ANGtLtS LOS ANGELLS LOS ANGELES 12061<«65 120614&3 12061485 12061666 ^NK LOS LOS ANGELES LOS ANuELES OXNARO RICHMOND bKSAN DIEGO 12061441 120614R3 120614&0 HlbERNlA^^ -4373 -6623 14963 DOWNEY HUNTINGTON panu?aJo?uX^bl^** 1206U71J 12050718 12060744 12061010 -60622 13847 DEP ll3b60 VLTCSH 792 RES bAL 0 NtW TOTRR KK 575 o 2 1168 DIF -575 -2116b — 2646 -3448 Cl CT CT 487264 155375 16&893 7429 1584 2652 0 0 0 CT CT CT 359094 261937 607163 8644 6656 17721 CT CT 1095b7 453184 13o7 7976 0 0 0 0 344b 14006 b6L3 39160 147 0 1B466 Dt DE 315591 5*4384 6306 6081 0 0 1 1971 242 11 -11971 DE Ot 43b402 Bb2559 6040 6115 0 0 0 0 0 0 19113 5b766 -19113 —5b766 137201 120348 120670 1422 64 0 1311 0 0 1942 -1942 FL 0 0 1045 -1045 242580 118B04 165732 211713 6175 b66 1639 259 1 1319 0 0 0 0 0 0 0 0 716 7639 914 -716 -7039 -914 3648 -3648 5220 2972 -5220 -2972 0 0 3235 -3235 1436 7 92 4067 163 -1936 FL FL FL FL FL FL FL FL FL FL FL FL 159046 163217 145406 124913 190839 107109 2377 I9ub 1 121 979 1744 u 0 0 0 0 0 0 0 0 2646 0 0 0 -14006 -6bb3 -39160 -147 — Ib46b -24211 -792 —40o7 -163 NONMfcMbtR (j BANKS 1OGOS) GN RtStKVfcs 1384 7 6/15/78 DSB Name LOCATION T DEP VLTCSH *fcS faAL TOTRR - WK NtW GA GA "is 185319 *02b34 3592 *537 RR DIE 4334 5168 -4334 -5168 ::nk",»nhsecuri" “«-« HCAOLULU HONOLULU Hl 229078 HONOLULU HI HI Hl 1175653 Honolulu Honolulu 272653 151048 10/4771 HI Hl honululu * 1*5013 3847 17539 6732 59535 4255 *790 15650 -673* -59535 9137 *192 *190 -9137 -*192 -49323 493*3 740 — —__ , ^LLErBSKAN0 -740 ___ cu TRUSI fucatello IO REXbURG 266432 143050 10 *422 1003 10431 -10431 1912 ?17l4oO 7171494 7171502 7171511 7171530 Chicago CHICAGO BcVtRUY bANK ^JciGG-^KW^NK*^ TR0ST *M W« co fDPU CITY B4M,bK Oh 7171632 7171657 Cn K SK’&IT ‘ 7171542 7171552 7171629 -191* CHICAGO 192941 12o4ao Chicago CHICAGO CHICAGO 1M0062 1*5136 Chicago Chicago 134345 le6632 1*6544 CHICAGO Chicago 7171765 7171940 7171980 152846 148071 chicago Chicago Chicago po Chicago 717/070 7173570 7175510 7176310 164273 114264 chjlago *o741o 133670 OLENVltW MOUNT PROSPECT PtOHlA 136135 163715 165896 7177260 sooth Holland JrTs^T05 7178210 “HEELING IRuST L Kaui» hK GOUTh HOLLAND 7176250 WILMETTE bANK 1NGi bK WHttLlNG WILMETTE 1/5874 119529 103700 115725 8/15778 EFFECT ON RESERVES H.R. 13647 NONMEMbER BANKS (» 1000S) DSB 180080 160640 181210 161440 181465 181480 161700 181640 182240 164 140 184190 JGStPH VALLtY ANTHONY INDIANA WAYNE bANK • bANK AND TRUST PEOPLES TRUST bANK SALEM bANK AND TRUST hosier state ek UNION bANK AND sl JOSEPH uANK of FORT fuRT CO WAYNt WAYNE COMrANYGCSHcN Indiana hammuno TRUST CU AND TPUsI LU KLKu u SLLJlH BtNU FIRST bANK L TRUST LU NORTHERN 1N0 oK L IK LU VLTCSH RES NEW RR TOTRR BAL OIF 167500 22149b 1G8524 *27031 *45305 13894b 111076 149676 266/51 126799 1/57*9 ELKHART F UR I WAYNE bANK DEP 129B48 ANDERSON COLUMbUS ANDERSON BANKING COMPANY IRWIN UNION BK ANO TR CO ST T LOCATION NAME SPfctOwAY VALPARAISO 184475 740 DUbUOUt 06040 KANSAS bANK AND TRUST STATE BANK 70 FRMS BK 130 CENTRAL )45 BANK OF C CO TR CO 11220160 6220490 6//L545 6220640 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 11653b WlCHllA KS 1*3399 BANK AND iNUSl CU GUARANTY bANK RRxBGNNl BANK l irodi co TRUST DU kST 4RANTY bANK AND ob5 -6b5 1153 -1153 652 2473 1/066 1125 -2473 -12066 -1125 1519 bl6 KY I6lb91 1524 0 KY KY KY l*.b42b 347476 1/4474 /534 4118 *3Ul 0 0 150/02 2 64 5 0 o 454906 /I4E59 133716 I11 7 17/6 1«46 0 0 u 1146*0 154113 2416 Z464 0 u 0 U U 0 o *3tlu4 34U7 0 0 0 -652 PADUCAH ARANTY bK AND TRUST LU LRILAN EANK AN'. iR.Sl Lu P1TAL BANK ANL IPt.Sl CD SSlfcR IA FRANKFORT t CAPITAL TR LU LEXINGTON bANK ANU TRUST LO LOUISVILLE-RUYAL BK L0U1SVlLLt ,->n CITIZENS bANK L TRUST Lt» 6/20030 6220065 6/20067 OUbUuOE Alt XANOKlA tAliN RGUGt BAlcN RUUOt bliSS ItR CITY MAMMONU FlUllMA IAFA YET It 2/ 78 / 0333 3366 4 la 7 14 645 1 -2*78 -t0133 -3?66 -*» 7b - 714 -/4b* -6Y51 Oi W IMOi, „ ON REStRVES tfffcCl M-f'- 13b97 6/15/78 058 name L DC A T I UN T >Lfcu,lts£';N‘< DEP VLTCSH '*^1 co 1&8393 222999 New RR DIF 1910 9391 3971 299902 529029? 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T 13847 OfcP VLTCSH RfcS BAL TOTRR NtW RR OIF LOCATION -2 164 16602 -1529 -560 —2687 -5239 -1155 m CO https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis N0NMEM6ER BANKS (i 1OOOS) tfF£CI ON RESERVES H-K. 1384,? 8/15/78 ose NAMfc LOCATION T OtP 5510943 5511260 CUMofcKtANO BANK ANO T^<T 5511306 Arlington Ikust Cl ^ru.,! 5511635 °AM ‘ ’^SI 5511910 / cn? 12530310 12531000 OLYMPIC BANK WASHINGTON TRUST bANK INOEPcNOtNT BANK 125311Z5 VA VA VA CkUN(j HfckNu MGLf A 5511948 MRSTC'lAVfcHG1NlA'£A:),t 0 ^ MAR 1 NtN lWPI 551l9bO NOREO bIn0 V'-^ATER 5512444 NGRECi viRGiNlA-SbuTHrtEST RCANG 198632 124095 <62670 234720 1J4249 VA VA NEKS VA VA VA 240911 147264 <69838 189259 171742 *A ** 133243 WA 5540050 bANK OF 7550163 7551910 7551920 7552700 7555350 8AL RtS TOTRR NEW RR 9931 2142 O 0 3532 0 0 0 0 0 0 o 0 3026 3737 4620 4351 5b<< 0 5904 1074 7691 72 oO 0 0 2075 o o 0 — 7<bO -2075 b040 2472 11057 -6040 -2472 -11057 2235 2195 4958 3774 1930 -4958 -3774 -1930 05 0 0 348 4 0 0 0 0 BECKLEY CLARKSBURG BANK ARPLETUN ORttN faAY PPL MRN 6K OF GRtEf WEST BANK ANO TRUST AFFILIATED bK OF MA WAUWATOSA STATE OREEN 6aY MADISON 6AN WV WV 110425 114369 WI 125418 130391 W1 Wl Wi Wl 112589 128914 111691 2086 0 0 1146 1404 1084 0 0 0 0 0 0 0 1551 2107 I6b6 o 0 0 o 0 391 478 1110 1601 77-, 99 16 <* T ANNISTON ANNISTON ANNISTON BIRMINGHAM BIRMINGHAM 6 1RH INgHAM OlC A T GR UtCATUR UUTHAN OUT HAN FLORENCE JlOoSO first nb of FLORENCE 010910 GAUSOEN AMERICAN No OF GADSDEN GREENVILLE 010970 FIRST Nb GF GREENVILLE Huntsville 011050 1ST AL bK OF HUNTSVILLE NA 011170 HUNTSVILLE hengerson nb uf 011160 JASPER FIRST NAT BANK OR JASPER ’ 011240 AMERICAN NAT BANK UlKUST CUMUblEE 011370 AlRRT NAT BANK GF MOolLE ,011380 MERCHANTS NAT BANK UF MUbILtMUo1L NATIONAL CENTRAL 6011770 bOl1600 firoT bank of national bANK GF mobile OPP NA bank PEOPLES BANK ANG 1kUS\C“ 1ST AL BK UP TUSCALOOSA NA 6011960 FIRST NAT 8K OF TUSCALOOSA sm 1 490 12020013 12020014 FIRST NB OF ANCHORAGE NATIONAL bANK OF ALASKA 12020030 ALASKA NATIONAL BANK FIRST NAT BANK FAIRBANKS 120<0040 12020060 FIRST https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis DEP bAL TOTRR 1B29 1713 2074 39b47 4870 58436 2529 4 59*» 7 6086 72765 7452 996 20913 2e3c>5 1023 32ol 614 <336 5209 2301 1543 RES VLTCSH NAME FIRST -99 -16 10003) ANNISTON NATIONAL BANK 10090 COMMERCIAL NB UE A..N1STUN 10100 FIRST Nb GF ANNISTON 10110 BIRMINGHAM TRUST NAT bK 10300 CITY Nb OF BIRMINGHAM ,10308 FIRST NB OF BIRMINGHAM ,1Oj20 CENTRAL BANK OF ALABAMA TA ) lOoob FIRST NAT BANK GF DlGaTUR J1G640 FIRST ALABAMA oK uF UUTHAN 11U7A0 FIRST NAT BK OF OUlrtAN r.; jlu75G ,011390 ,011430 ,011937 >011440 5011450 bO1154O 6011648 -1110 -1601 -779 EFFECT ON RESERVES rRr.UPS) "u AD-WSTHtNI FUR «F.U»E GROUPS, LOCATION OSb -391 -478 0/15/78 APPENDIX II BO.RO BANKS o RALEIGH WAUWATOSA MEM8ER -5904 -1074 “7o91 Everett SPCKANE VANCOUVER- fIKST 5540300 LUWNOES VLTCSH OIF CTY NB OF KETCHIKAN 0 PRICHARD SCOTTSBORO StLMA TUSCALOOSA TUSCALOOSA 57239 5bJO6 81102 828415 109326 1 120037 5115b9 64544 AL AL AL AL AL AL AL AL AL 64933 1 16332 46304 AL AL AL AL AL AL 135U04 ol029 46542 155664 o7b26 7B291 155471 423921 449<67 114593 AL AL AL bbob5 395276 19&100 AL AL 45651 51594 42024 6452o AL AL AL AL AL AL AL AL AL AL 104494 lb<516 700 1039 lbl4 6100 1216 14329 1443 768 3812 1679 1965 3U92 b9l4 6743 1872 2151 6075 2285 421 122b 671 1199 19oo 25B9 AK 311407 667 8 ANCHORAGE FAIRBANKS AK AK AK 486033 189949 46432 12662 6140 1687 FAIRBANKS KtTGHlKAN AK 46647 888 ANgHORAGE 2Bj3 4b9B 1 7b7 1441 4962 2072 2 9 04 blb7 159o0 20317 4b43 2067 15284 7707 2752 3bbb NEW RR 69 222 1658 29739 35 10 52630 3829 14665 994 42 32 55 82 9b8 2131 <2 1< 7034 305 j<30 <2u9 6774 3756 489 131 44 06 1/35 2605 375 1 4669 9<79 24b94 4440 17366 27u6C <0143 6/15 421b 345fa 1389 14007 <2 lu4 9992 5785 33 45 66 754 1445 871 1427 1921 4<Z7 1066 2099 65b7 9156 3143 5048 1570b <09<6 <<384 33590 17830 246o4 7008 13148 1676 1503 '3363 2391 796b 126b 2<3 <098 3120 o<13 OIF 2460 2530 2z3u 16208 <576 <ul35 o 700 2835 3244 34 5 1 1 847 3< 7o <741 <u7fc 3b0b <016 2 184 4< 64 752o 6067 3<57 2b<9 bO<< 420? 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L Of CALIFORNIA N ;KEK national S A ba.k LS FARGO BANK NA SALINAS SAN francisgo SAN ErANlISCO 3 AN FRANCISCO SAN FRANCISCO s*N SAN juju JOSE hr ,v. 35583 49692 CA CA 85821 43603 41056 83744 CA CA CA CA 5829k CA CA 155075 49339 CA CA 2EO332 11696349 CA CA 3559120 6683239 CA LA CA 47989 57659 491935 192*89 1*,1357 CA OA CA CA 77ko9 3K197 72282 LA CA 367t9395 LA >.,<,7938 oo570l3 LA CA CA CA CA CA CA CA r 1LNAL 1052lo96 *,<0635 117395 224034 161278 50876 971 922 2131 392 10980 2291 54o5 1975 6868 300666 179412 343121 1498 171251 0 1935 1023o9 672 1069 5552 255 5 1K36 1 79 7 910 1935 4K3717 26329 1k0360 7bk&7 5B3O 1055 2662 1697 1092 2776 415 94 2140 <497 5289 591 2090 4318 664b 2740 1 156 2217 1774835 44037 4KO469 5/3199 IbalB 5961 o 155 7191 1976 1705 2403 2b67 2622 1K01 6313 387 17159 3K 13 7596 . 2 3b7 17696 6DU117 2122 16750 b4C6 1494 2713 2028 90 455 1569 3168 4809 612 2799 2664 772 369 1920 1529 457 2012 l<bl 1460 694 153798 876-59 326319 153186 327069 190 * 4Go9I 443640 4170 116621 1480 1410 23bu 2213 134 4 Ik 76 3186 2 *,302 1 1041 7084 MHO 7 2060 4 16K 2190654 122366 3*,o8h9 bU3466 2 *,04 0 7016 11037 a768 30 IB 2 1 722 bBKO ok9o 2236 1467 I7b4 2294 49 2368 13t>7o6J 90173 ,,090 11 309792 227 16 3119 109 17 0619 1141 630669 26193 13763b 937k4 193k 1697 62 G 2 169 1 6k7 DANK or co NATIONAL tAI AURORA bCULOER co co 00 CU co co ‘h: h, - https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis OIF NtH KR «E* BAL VLTCSH -- co co 34182 1 <4930 64669 69770 104495 1O2016 lbB64b 430107 72312 512 1374 1016 1357 1911 4772 1129 3085 664 1223 5026 2 592 33k3 Jb<0 5174 7972 19t>4b 3144 1737 C4OO 3606 moo2 37 31 44-,O 9101 2493 1 364 6 27 4440 lo27 k47G 35 7 1 ol 73 69 K I lbc 17 2*37 1710 1460 1461 K4lK 2 160 3778 2 180 6114 1391 Ol co MEMBER GANkS (* 1000S) CSB name ec<ajion *0000446 10060450 ^tUfcy */*&» N4,°L6fcAR 1 10030461 *°0aG490 10030493 V<-TCSH ’^’'ikSITy 79669 75064 100750 1*9061 ^'^INGSOL^ C^tlNS 10060770 1Sr IN GRzr, GUtb^ 100&07o0 10000600 b j* &ANX OF GK4Vb''-LTibN GIF E07653 tf*-LtWOOO ^NOLtwooo 10060740 10^60750 NtW RR 55739 109430 OENVtR OtNVER 10060600 10060670 lOCaOo04 OAL 30456 **9045 78669 OfcNvtR GeNVfcR genver RFt MES 10IRR O ENVfcR GtNVfcR 100605lo IOO0O512 IOOS0573 OEP GeNVER *7z90 g»^no JUNCTION S^^'-cno0; lOOoOo10 1^061014 10081031 95339 6046 1 69019 GRfcfcLEY IOO0I070 10061060 6< 306 03403 *^068 LAKt«U00 LA*tWOOO (L/’11 ETON 100aio90 1^06 lUu H^\\V\^-LLXua 64406 56335 llNGMLM 10061193 l1AGM^\j f1^7 NAT IN LGVI.La.Nu 100ol2&0 COVtLANO IOO8I445 E NAT bK OF p^’h^tNN ^oLC ?'bR7Ml’L ENN uf r PUtuLC 10081440 ElKST NAT l'tST.11,..j, EUeblo 1 bANn fcK "tSTMlN5TtR 40163 55357 55137 57796 54674 77311 ^ATRloCe 45637 70975 ^lOGtPORT *090970 CT Tf°*° Nat co oa?? -'^lOOfcEuRT hAMOtN 519340 559663 Ha*JFORG 73509 1464/06 1554664 hA*lFORO Mio r"nAiN W1NoSCR LOCKS 66333 30443 20001 6358 1178 J5557 37405 4043 1491 SECUUI> BANK NA wA5h1NgT0N OC *73394 1666 5 53616 69341 *963 7 19614 MEMBER BANKS OSB 5110045 tFFcCT GN RESERVES BOARD AMENDMENTS (NO ADJUSTMENT FOR (S 1000S) NAME LISTRlCT GF LOCATION NAT COLUMclA BK T WASHINGTON OC 5110100 MCLACHLEN NATIONAL BANK WASHINGTON 5110115 MADISON NATIONAL BANK WASHINGTON 5110130 NATIONAL BANK UF wAsHINuTdN WASHINGTON 5110140 NAT CAPITAL BK t.'F rfA jl.;NulGNr.A.iHlNuTGN OC OC OC DC 5110160 NATIONAL SAVINGS (- lKtH CU 5110170 RIGGS NB GF WASHINGTON OC 5110190 SECURITY NATIONAL chNK OC DC 5110195 UNION FIrST Nb 6120075 FIRST NATIONAL 6120093 bOCA RATON NAT 6130095 6130106 OF C TR WASHINGTON WASHINGTON WASHINGTON wash bANK bANK WASHINGTON Cu fctLLtAlR bLOFFS oOCA kA I ON bGTC OF bOCA KATUN Na bUCA RATON FLGShP 1ST NB Of oYNIf. oCH buYNTON FIRST 61zG110 ELLIS FIRST NATIONAL BANK 6120115 INTER CITY NATIONAL bANK BRADENTON bkAUENTUN 6120120 SOUTHEAST N b OF crAOcNTON bRAUcNTON 6120195 BARNETT bANK OF uLcAWAjtk NACLtAKwAltR 6l20z00 FIRST NAT bK UF OLlARWATER CLEARWATER 6120230 bARNETT bANK OF CuCuA N A CoCuA 6120240 FLGShP 1ST Nb OF COrAL ObLtSCCRAL GABLES 6120297 DIXIE NAT 6K OF OAul COUNTY OauE COUNTY 6120303 FIRsI NATIONAL bANK OF DAVltCAVlt 6120310 ATLANTIC FlkST NB ur GAYTuNA 6120360 bARNETT BANK OF OtLANO NA Ot LAND 6120375 bARNETT bK GF Dtlr,AY oCh NA 612U380 Sun FIRST No OF LtLwAY bCh 6120392 SOUTHEAST No OF GONtLlN 6120393 SON FIrST Nb OF DuNtGlN 6120425 AMtklCAN NATIONAL oANK £. 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FORT BEACH 6120487 FIRST Nb CF LKALLUSA COUNTY FORT WALTUN bEACH 61*0491 AILN1C 1ST Nb UF GA 11,LSV 11Lt GA1NtSV 1 LLt 612u51u FLORIDA No AT GAINeSVlLLE GAlNcSVlLLt 61205&4 CITY NAT 6120574 FIRST NB https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis OK UF OF HALLANi.ALc GREAltR MIAMI HALLANDALE HIALEAH DEP AFFILIATE VLTCSH 66634 37509 1584 1179 102154 576365 2216 16474 1466 RES b/15/76 GROUPS! bAL 2918 TCTRR 4502 2478 7575 NEW RR 1978 OIF 2524 1873 3505 12619 33401 332614 1327375 767u0 694 5 22364 1671 1299 5359 24501 1055 15626 74865 3542 44&Z2 7 12602 18 754 31356 24206 7148 FL FL FL FL FL FL FL FL 63062 104046 136T95 4zO37 1G7523 lo2159 oOl 52 62401 20ol 4411 4840 1315 3261 2441 35o9 2091 2699 1163 47o7 6153 516 3250 1536 1093 lu4o 1 209 FL FL FL lz7805 63b 1449 2359 412 045 I9z4 1074 1063 1154 1398 DC OC 65563 186430 FL FL 34 773 FL FL FL 68515 72730 FL FL FL FL FL 31263 53262 1004O9 3861 480 513 1230 22571 97229 5213 445 19140 78544 2899 3431 18685 2314 5860 7199 1727 6106 4365 4 663 3154 tOtil 35 3a 1194 9056 616 40 *7b5 700 1507 1500 40 75 1104 2910 6741 261b 2965 8 49 2387 5 777 8863 I46w2 4081 16443 5110 29108 3 186 4 7 30 1085 96b 2989 1197 4979 8561 15o3 2679 SUOB 1934 2899 4o2 1 6 7w 7 1029 FL FL 92430 934279 95993 lo0429 33000 58919 78z42 FL FL J.0G16 68462 FL 119338 12665 179 b 3831 478 171 1 2099 737 746 c ko 54 7 1 *531 1743 422 2922 2695 1495 lo7u 2711 5779 1760 29z3 1108 lzuoo z5l3 403 390 52518 B898 T 139040 252051 FL FL FL FL FL 5 757 2140 o227 2051 409 75 2521 605 4070 2 83 56 3325 30o5 5380 2344 4z57 b4B0 3645 13072 3853 24429 1900 5750 11 7a 2831 1 35 1993 4639 2076 2 836 * 6U5 1 740 1966 1390 *344 3032 1915 1703 2035 lolo 1 385 1505 1240 1347 1747 1570 1257 4679 3G79 2811 1552 2 601 2257 1799 165 2 Z 65 o o; o< OSB name <-tXATlCN *i^05O8 ATLANTIC N8 nt *1^0590 Hrst nat aj *120600 *120620 *120630 *120640 *Af^cTT T *1*0765 *l/G7eO *120ou6 °12O8lo *120610 JACKSONVILLE southeast p* lAvi‘-ll /^^^NVilTe ban/ national • * A- U C ' VIOLfc mtit £JaCksl*v JACksonv HkST NB / If,i' r«AT N»j LAKfcL*NO AN qk £ A’ LAKtLANb fLORIOa t, ,69^* 106667 t L L '40986 *9u4/ <**551 263362 Itlt TLLE BCH JACkS0Nv.u . , 263650 1009// WOK bf~ *-tLSHURO LfcL*BURG L^tL^TH (f^C *°* 1 TO 06 *120619 fcXCHANOE Nn ft *1/06/0 iuN FIRST N6°^tLtfc CbONIv *120o49 son fiRst * Ltticoho *120865 $e HkST Nft Htt*OORMfc *1/0874 a *120900 *120902 , t^t>bGf'O ,L5ftcLAJNTy 37964 51980 5/66 *1 7*0 7*528 lOluoi 1 7/9 1411 2 904 Mt|tS8bRG MIAMI Miami HjAMi kan0" MIAMI 101500 MIAMI <1/465 7656/ 117676 "' AM' Miami MIAMI 61214/6 61/ 1440 6121442 LOCATION NAME OF ORLANDO NA BK OF ORLANOO ORLANOO URLANDO FlOSMP 1ST NB OF ORMOND dCH URMUNU BEALH ATLANTIC NAT BK LF PALATKA PALATKA FIRST NAT bK IN PALM EcACH PALM bfcACH bAY NATIONAL BANK ANO TRUST PANAMA CITY CITIZENS 0 PEOPLtS NAT BK FLORIDA FIRST NATlUNAL BANK FIRST NB OF ORCHARD CCbNTY PtNSACULA PcNSAOULA POMPANO BEACH FIRST NATlUNAL FIRST NATIONAL PUNTA GURUA RIVIERA BEACH BANK BANK C TRUST bARNcTT bANK OF ST AUOUSTINtSI AUoUSTINt bARNETT bK OF ST PETERSBURG ST PETERSBURG ELLIS NAT BK OF ST PETkSBURGST PETERSBURG S t FIRST NB OF S«RA5uTA FIRST NAT BK OF SOUTH MIAMI SB No OF ST PETBRSdURG FIRST NAT BANK 0 TRUST CO SAP. ASoT A SUUTH MIAMI SUUTH PASAUENA STUART STUART STUART NATIONAL BANK 612194 8 JEFFERSON NB Al SUNNY 1SLLS SUNNY ISLES 6121450 LAP CY 1ST Nb OF TALLAHASSEtTALLAHASSEE TAMPA 6121470 BROADWAY NAT BANK OF T«MPA TAMPA 61214*0 EXCHANGE NAT BANK UF TAMPA FIRST NATIONAL tK OF FLOR 1 UATAMPA 61/1490 TAMPA 61/1492 FLAGSHIP BANK OF TAMPA TAMPA 6121502 METROPOLITAN bANK 0 TF UO *121520 PAN AMERICAN BK OF TAMPA NA TAMPA iampa 61215/5 SECOND NAT dK of Tampa 6121530 ELLIS FIRST NB IN TAkPLN SPOTARPON SPRINGS 1S1 MKNfc NbOIC JUPITER TEOUtSTA 6121542 6121585 61216/0 61216*5 6121*86 *1/1*40 6121*98 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis FIRST NA1IUNAL BANK VtNICt ATLANTIC Nb OF WEST PALM BCHWEST PALM BEACH SUN BANK OF WILTON MANekS NAWlLTON MANORS oARNETT EK OF E POIK OlY NA WlNTtR HAVEN EXCHANGE Nb LF WINTER HAVEN WINTER HAVEN bRNtll BK OF 1 991 34/1 19993 86644 *3962 250/ 1 J/l 1 86/ , 94974 *935a , . 1 2 770 1367 1*01 1439 1704 ,, . , / 594 18 7/ 1953 2403 7427 ; EFFECT ON RESERVtS BOARD AMENDMENTS (NO ADJUSTMENT FOR AFFILIATE 1000S1 6121346 6121350 CENTURY 1ST NB IN ST PTkSokGST PETERSBURG ST PETERSBURG 6121356 FLAGSHIP bK OF ST PtTES NA *1213*0 FLORIDA Nb AT ST PtltrSOUR* ST PETERSBURG NAT BANK UF ST PtlERScoRG ST PETERSBURG *1/13*6 st Petersburg 6121370 LNGMRK UTB OF ST PTRSbG NA SARASOTA county 61/1396 NATIONAL BANK GULF GATE SARASOTA 6121397 NATIONAL BANK OF SARaSuTA 6121407 61/1425 /95o 49// 3212 3663o *4358 *2741 *77276 6121316 6121321 61/1341 1727 2 166 1935 3/76 49 759 7?31< OkLANOu *1/1153 6121163 6121180 6121190 6121210 6121/30 61/1/75 61/1290 Zz/9 5119 70639 8/7/4 215043 sO'WSisr"” PAN AM BANK FLORIDA NAT /19O 1792 i860 1504/4 I4097o3 *12111/ *1/1140 6121142 2136 1541 35771 128356 *1/1025 °121O66 *121067 *121063 6121150 2390 1/30 1903 2020 35656 2*3160 Miami ^thcast nat OSB 3551 4881b 45957 *565/ 344499 JtFFtiUt... 1 *ANk i.e , £S«?-:SS.™ ($ 1849 1 J?0 2166 A417o Miami 91/0979 JtT-OBLIC NATfc8A(?K "lA"J N* *120963 SOUIhfcASI Lh MJAMI 0^ Miami1 *120991 SOOTHtAST BANKS 1*02 *1822 ’4?<5 ? 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TRUST CL NA AMERICAN NAI Bank and IrUsT Chicago 7171490 7171498 BANK OF COMMERCE U INDUSTRY ChIgAGU ocLMCNT NAT BK LF ChICA&O ChICAgO 7171505 CHICAGO 7171520 CENTRAL NAT BK IN CHICAGO COLUMBIA NAT BK uP CHICAGO CHICAGO 7171553 COMMERCIAL NB OF CHICAGO CHICAGO 7171555 7171560 CNTNcNTL IL NBCTC OF CHiCAGOCHlGAGO COSMOPOLITAN NB Or CHICAGO CHICAGO 7171570 DEVON bANK ChICA&O 7171560 CRcXEL NATL tANK CHICAGO 7171600 OROVlRs NAT ok uf Chicago Chicago 7171610 EXCHANGE NAT bK OF CHlCAOU ChIGAGO 7171625 FIRST COmMERC1AL bank LHluAOU 7171628 FIRST NATL BANK of uhICAGO CHICAGu 7171630 harris trust and gavinos ok Chicago 7171b50 LAKE SHORE NATIONAL BANK LhICAgO 7171690 7171700 LAKE V1L« TRUST C SVgS BANK CHICAGO LA SALLE NATIONAL rANK CHICAGO 7171710 LINCOLN NATIONAL SANK CHICAGO' 7171740 MAIN BANK UF CHICAGO CHICAGO 7171761 CHICAGO 7171770 MARDOFTTE NATIONAL cAN- https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis mercantile MERCHANDISE nb No of Ut chlajj CHICAGO DEP ALTON ARLINGTON HEIGHTS AURORA 7170460 AURORA 7170470 OLD SECOND Nb OF AURORA BARRINGTON 7170510 1ST Nb 0 TR OF bARRINvTON BELLEVILLE 8170635 btLLEVILLE NAI SVGS BK BtLLEVILLE FIRST NAT BK OF BcLLEVlLLE 8170650 BELVIDERE NAT 6K L TRUST CU E,cLV10ERE 7170666 O t K W YN 7170730 E.cRWYN NATIONAL bANK bcRrtYN 7170733 C0MMER1CAL Nb OF BcRWYN AMcRICAN STATE bANK BLOOMINGTON 7170770 NATIONAL BANK OF cLUDMINOTONBLOOM1NGTON 71706C0 PeUPLeS BANK OF BLOOMINGTON BLU'.jMINGTUN 7170610 oLUt ISLAND 7170620 FIRST NB OF BLUE ISLAND C AN T ON 7171100 NATIONAL BANK OF CANTON FIRST NATIONAL BANK L TR Co ClNlRALlA 8171293 7171760 7171790 T chicagj CnlCAGU 120478 1 16958 14t?60 48554 37479 7C721 44676 654 15 61399 111617 56270 56869 tU/JO 1U3<UO E4976 535 6 6 109713 11k75k0 44k96 67347 474bb5 65164 126892 92tb3z 1 58545 109975 RES bAL TOTRR 732 82b 1243 1309 1298 3052 2799 2574 3479 4040 4842 4580 602 1 1376 3b5 4497 3784 362 7 536 1360 1581 772 7 6b 695 2453 1497 35 7 b7u 16/1 2643 1953 3zbZ 1602 1 /30 2 197 14596 47b 29bb 2744 2469 3565 70 7bO 1500 5056 5393 549 654 49217 0 24453 2 069 4512 45497b 62 1 475 k725 Ob3z6 208974 1099 4624 3o9l88 57909 9022731 300096 649587 132539 4798 552 86610 16 663 1960 2106 9469 6074 71102 157156 57016 I463e6 760 1 ?28 1 136 4059 3204566 205487 b/15/76 GROUPS) VLTCSH 1181 1356 1562 636 1146 694 709 1657 4312 14b5 5535 16362 2062 439*»37 19/177 4bO6 1202 7 81700 0 345k 6347 2 1 60 4552 3797 4788 533o oQk 3 5m36 7563 K016 1531 3191 2360 8379 3383 4b63 2374 2490 2b92 5441 4239 2b2 6 4335 6537b 1916 2196 29646 2 6 16 5366 504193 3340 4767 2 5o4 10159 21ioO Kb 14 526247 215C4U 1 1 766 14 183 4 llt-9 5 1 08 NEW RR 2067 1265 1640 2629 3190 46k 5 1936 3461 174 231 1k37 16/ 1193 99k 4305 813 96 12b 2376 1663 30 3771 56544 429 1211 17923 539 5594 246674 1255 4304 DIF 1697 2342 1957 2159 214b 139b 4001 4 104 1642 13D0 1954 2213 2 166 2 341 556 2061 2400 2764 3065 z57b 2596 1064 26632 1749 985 11923 2079 -226 257319 2091 483 IkkS 563 3390 6305 1305 261542 k44705 1kO675 95165 2001 6769 12675 VkC.4 250k 1 b90o 25559 4492 -47/8 15630 671 2265 ICON 42 32 CG ZD 38 16 1967 7C61 boll 5o2 fc IgDO 231e j5E8 os CO https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis M£Met* bA**S (» lOOOS) bOAKc Dib EFFECT ON RLSERV ES AMENuMtNTS (NO A GJUSTMEM FOR AFFlUATt 8/15/76 CRGGPb) NAMt CLtATlCN OfcP T 7171645 «inH]GAc 7lllbib MIO AMERICA Nb Ot. 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SS.S',!“.» «b20 MCHENRY FIRST STATE bANK NAT bK OF 5310 MOLINE NATIONAL MOLINE BANK ns xi n: n n x n r iHo • • OS FIRST NATIONAL bANK JO NAPERVILLE NAT OK t TR CD 95 FIRST No UF NILES 1LL1NUIS 97 ,10 65 ,00 GOLF MILL STATE FIRST NAT BK UF FIRST NO GF OAK UAK PARK TR ANO oANK NORMAL LAWN OVu bK oK OF- OllAHA tied if53 maTTCCN MOLlNt MOLINE MGRR IS MOUNT ss« prospect NAPERVILLE NILES NILES NORMAL OAKLAWN OAK PARK DEP IL IL IL 213598 210672 211057 IL IL IL IL IL 96878 79658 IL lL IL IL IL IL IL IL IL IL IL IL IL IL IL IL IL IL 5305 affiliate GROUPS) IL IL IL IL IL IL IL IL IL IL IL IL IL IL IL IL IL IL IL 88 755 93835 53432 99327 93593 75587 76893 98529 152245 51795 80609 80062 126915 73557 150275 91875 VLTCSH RES BAL 1877 9071 b9lb 7800 lo22 19bb 1932 1539 570 1365 1186 1 190 250 578 1099b 10b SO 5339 2294 3351 9520 9bl7 DIF NEW RR 1907 1197 9051 9b53 9740 9b8 1677 23b7 -30 1 1309 1679 4G6l 33 2133 2756 221b 51b 685 lo7o 1117 1750 1545 lc36 1 9o7 1636 3925 1702 2ull 151b 1959 2893 2251 . 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TC OF *O»C1E 7182993 MERCHANTS NO OF MONv.lt 7103300 AMERICAN No OF N-J>.fcSVlLLE 7183250 FIRST NAT BK CF F»CH*L*.U_ 71b3TbO SECOND NAT BK OF RJo» ' 71b3T90 FARMERS Nb OF SHtLoYVlLLt 7189090 SHELOY Nb OF SMlLsYvKlt 7189050 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 96952 50553 TOTRR 1999 CROWN POINT COLOMBIA CITY CRAWFORDSVILLE bANK EVANSVILLE ”'• 52621 37100 62828 RES BAL 393 IN IN IN IN CHESTERTON 7 181190 8181280 EVANSVILLE NAT CITY bK OF EVANSVILLE 8181330 tVANiVILLt OLD NAT 8K IN EVAN^W ILLE 8161350 FORT WAYNE FORT WAYNc NATlUNAL BANK 7181960 AYNt FORI WAYNE LINCOLN Nb C TC OF FT wA' 7161970 GARY 7181615 BANK OF INDIANA NA GARY VARY NATIONAL bANK 7181620 GOSHEN FIRST Nb OF GOaHLN 71bl690 GRtENCASTLE CENTRAL No OF GREENCASTLE 7181710 GREENWOOD NAT BK OF GREENWOOD 7101790 HAMMOND CALUMET NATIONAL BANK 7181b30 HAMMOND MERCANTILE NB OF INDIANA 7181050 HUNT1NGTUN 7101970 7131980 7 ld<090 7162000 7 182235 71b2<90 7182305 7 182370 7102530 71825o0 7102690 7182650 7182/90 7182610 51533 100707 IN IN IN IN IN BtRNE DLOUMINGTON VLTCSH 977772 79315 153125 lo5515 72o96 109116 95373 59517 09991 123998 91056 00061 ioo355 7ol23 ToOlO I6<b52 5129/ 59352 2 60 7 626 <C0< 5bl 2 090 1 106 2910 1605 1030 7110 lob 7 1 OSO 337* 5o6 1363 2*111 1 1032 <65* I 2589 2181 3899 9575 7070 BO99 9359 2190 56097 3555 79329 3oO99 4:7306 1802 726*6 6128 7302 33u9 <135 1619 781 2 1 19 3070 1977 1913 < 353 2 05 1 191* *911 995UO 3o*< 7789 9909 3930 5017 2195 <071 32 00 598 b 3062 3 7*3 9*6 3 3 • J“ 33(0 Ntw RR DIF 1773 3067 69 3229 690 1703 2098 2066 1920 20 616 300 25 552 1305 910 99*0 8233 9309 5305 109 33 1*117 19715 10106 15153 697 29 132b 5156 5235 1382 5o553 53717 38039 llo7 3980 62 13 19 17 1*12 99 259 753 3608 < C> bO 916 5o<* u /< 210b <733 1252 <090 3108 3659 6078 9639 5251 <573 9396 B9o 11 3t b 1937 <152 2568 2t93 9119 <173 <2776 lb929 11966 2675 3bU9 377c 2013 3605 <101 < 612 2527 <300 10o2 <t-.7 9939 < B3B ll.i 4 -GO 1 la • 30 0 3 9177 1652 4z •a 5< < In6 < 793 <bl <••02 1 3b0 -1 00 (» bANKS "EMSfcR 1000SI 60ARD OSB fcF EfcCT GN ReSERVt S AMENDMENTS <NU AuJUSlMt.NI f'GR AFF IL 1ATC tZi 6Z7t GROUPS) NAME LOCATION T 718*110 718*120 H«ST bANK 718*130 NATIONAL bKCTC 818*320 Oh ^MPANYSouTh IN IN btNU utizcns 718*360 MERCHANTS NB CjP L1Ty7t*-L CITY 716*370 TfcRRE HAUTE FIRST £*UTfc ItRRE HAUTE 716*4 70 ElhsT N3 VALPARAISO TtRRt HAUTE 816*630 AMERICAN NAI BK ih VlNCfcNNE,vV^P*RA1S0 NCeNNESVINoENNtS 7184640 EIRST NB OF WARSAW 5A’' WARSAW 97630 304166 174367 IN IN IN IN 223559 IN IN 92461 10*796 ***26 132154 IN -- I 4 UH MU BA\\ 7190730 EIR6T NATIONAL bANK 7190900 pLh(AATa N*TIL*AL 6ANR 7190910 cfiNi k ANb TKUiI co 7191190 Hku't NA,1CNAL bank 7191196 FIRST National bANK 71913*0 FIRST Nb OF COUNCIL oLUFFS 7191470 7191670 7191660 7191690 7191620 N^nONi? r°,N£S fMTlUr‘AL 7191632 7191640 7191730 7191760 719a160 71921oO HRfcMCNN FIRST 71937oO 7193990 7194070 7194080 7194a 10 7194460 Tc ' SVG$ OES MolNtS OES MOINES OeS MOINES bANR fort COUNTY SAVINGS bank ONION BANK ANO IkOS I Ln H^ST Nb IN SIOUX CITY JAShcr toy national bank mason city MASON ClTY MONTICELLO CENTRAL state bank FIRST Nb CF MUSCATINE 7196370 7196406 NWN No OF SIOUX CITY 7196410 tfc5U?1T* Nfa LF 2>1OUX 7195420 gouge IOWA CITY MARSHALL TOWN first Nb uf mason city CITY 52 731 7u*96 IA lA lA lA IA IA 313254 232666 96654 71135 69316 72015 75967 IA lA IA IA OITOMWA SIUUX CITY i>lO0X CITY SIOUX CITY 631*9 85900 1130o5 IA IA lA IA SIOUX CITY 669 71 216084 *66416 61197 113313 122659 113710 72621 69017 107491 74129 IA MUSCATINE MUSCATINE NtWTON 5652b IA lA lA IA IA IA IA IA IA lA OubuCoE OOBUOUt FORI OOOGE uF DUbL„ut S21H 65765 24o341 100654 lA COUNCIL bLOF OAVtNPORT OeS ML1NES CtS MulNES OfcS MOINES BK 82609 IA lA IA lA IA BURLINGTON CEDAR RAPID: CtDAR RAPID’ CLINTON CLINTON x«- - 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TH CO LUUlSVlLLt 821*1/0 LOUISVILLE TRUST BANK INC LOUISVILLE 4212340 STATE Nb UF MAYSVILLE MAYSVILLE 4212700 NEHPukT NATIONAL BANK NEWPORT 82126 10 OWcNSbORO NATIONAL bank OWENSbURO 82126eo PPL 1ST NoCTR CO UF PADUCAH PAOuCAH 4213000 FIRST Nb OF PIKEVILLE PlKtVlLLt 4213020 PIKEVILLE NAT BK b TR CO PIKEVILLE 42130o0 FIRST Nb OF PktSTUNjbUku PkfciTONSbURO 4213990 FIRST ANO FARMERS NATL BANK SDMekScI 6220040 RAPIDES bANK 6220050 62201)60 ANO TFUul CO ALEXANDRIA SECURITY FIRST NATIONAL BANK AtEXANOk1A ST BERNARD bANK ANO TkoST COAkAol 6220090 CITY No OF BATON ROUGt 6220100 FIDELITY Nb OF BATON KLUGE 6220110 LA NAT bANK UF BATON KuUGE 6220155 112201&5 6220zol 6220300 6220960 62204o0 6220590 PARISH NAITONAL BATON ROUGE BATON ROUGE bATuN ROUGE BUGALUSA BOSSltR CITY C0V1N0IUN C RO W L t Y E ANK NAT bANK UF eUSSlch FIRST NATIONAL bANK CITY FIRST NAT oANK LF CkCnLEY FIRST Nb OF JEFFERSON PwSH ORE INA CITIZENS NATIONAL BANK ............ w, HAMMOND FIRST NATIONAL BANK OF HJuMAHUUMA 100590 71902 KY 903969 KY KY 4E0952 520319 223910 KY KY LAKE CHAkLtS LAKE CHAkLES MONROE MONROE MORGAN CITY NEW ORLEANS NtW UkLEANS NtW OkltANS New ORLEANS 3E397 2135 3334 69z 12997 11635 2660 45917 44 02 2 24549 llo71 6952 lbo2 506 1333 19*9 769 5263 2b26 9962 1935 1609 3671 3321 2939 9279 KY KY KY KY 90039 116356 9o533 99392 1673 27bb 1971 KY KY KY 162320 66036 9392b 2991 1011 2099 3095 6o83 2572 2 389 LA 160317 3741 LA 5353 9099 46724 1037 4605 4*89 45279 206518 281016 1635 5000 9bl5 1421 514 2958 2149 115 2343 465449 49029 6952 1*04 6198 10702 19076 11198 15317 255*o 694 797o 12o07 1*55 31Z0 2710 Io7e2 b?9o 66268 1103 2559 513 5922 407 lb54 2052 1535 lo91 3037 960o 2050 5961 508 5576 11363 2926 6E77 4710 5574 15590 1307 6592 lColl 209o4 9077 2525 1532 9915 9127 LA LA LA LA LA LA LA LA LA 6220375 f.3 OF OMMaC IN JFFRSN PRSH JtFFcRSCN PARISF 6220630 FlkST Nb CF LAFAYtTIt LAFAYcTTE 6220650 CALCASIEU MARINE NAT tANK LAKt CHARLES 6*20o60 FIRST NAT bK OF LAKc CnAkLESLAKt CHAkLtS 6220670 GOLF N3 AT LAKE ChAkLcS 6220675 LAKE SlOt NATIONAL oANK 11220660 CENTRAL bANK 11220670 OUACHITA NAT bANK IN MONkOE 6220690 FIRST No IN ST MARY PARISH o22o97b BANK OF NtW ORLEANS L Ik CO 6220960 HIBERNIA NB IN N URLEANS 6220961 FIRST NAT BANK OF COMMtRCE O221O00 NAT AM faK IN NEW ORLEANS KY KY LA LA 88014 4l6o0 207664 516 32 0 5 1663 614 250z *109 zb 8/41 £022 314* 66 2360 £671 I9b3 1j353O 141271 159496 309939 3862 5237 6379 69927 2770 LA LA LA 67932 66282 199554 1690 2595 3970 LA LA 24668b 77517 5431 1987 6050 6100 2062 lOOzO 13531 3599 LA LA LA 410004 597939 657380 6978 8099 9591 16299 32218 35285 29777 4u312 4982o LA 268631 3035 26548 6 762 9797 6395 LA LA LA LA 2609 2b 191« 1301 5J316 2 609 4206 7109 *9*3 *951 6860 11997 6967 110b 1065 1174 5650 *o91 3350 2953 4370 6313 5216 336 160z4 25031 ^1 OS 3211 b753 I94bl 16276 3402 8/15/76 fcFFtCT ON RESERVES bUAKD AMENDMENTS (NO ADJUSTMENT FOR AFFILIATE (S 1000SI MEMoER BANKS DSb NEW ORLEANS WHITNEY Nb OF New ORLEANS SHREVEPORT 11221300 COMMERCIAL NB IN SH.RLVcPOKl SnRe VtPuRT 11221320 FIRST NATIONAL BANK THlbODAUX oz21400 LAFOURCHE Nb OF THIbgoAUX WtSl MONROE 11221455 FIRST NAT BK OF WtST MONROE AUGUSTA CANAL NATIONAL BANK 1230690 MAINE NATIONAL bANK 1230720 NORTHERN NATIONAL bANK 1230760 NORTHEAST bANK OF SANFORO 1230845 PORTLAND PORTLAND HntSuUE ISLE 1230400 LA LA 66013 3729 9144 955 1470 RES BAL 79657 18948 12/49 1772 013 TOTRR NtW RR 6917o 22677 21393 595o9 I i2oi 615 272 lo210 17167 66 £07291 34247 39199 cLLSWORTH 179930 SANFORO MO 66934 998 2030 lozO MD MO 09584 3626 39 709 9173 11206/9 * U*4o 30 020/67 1451 30690 36094 231/5 30801 t>7u93 78056 316 lbo3 /906 28113 1 7 399 1 9161 939 2 773 050 939 9 109 lol2 SANDY SPRING No L r~<K SVU |NsI RuUKVlLLt SAN-Y 29609 0967 4206 2112 2197 *4 -I 203732 140059 90203 COAWvAPCLIS TkUSl BANKING b OIF 50466 FAIRFIELD FARMERS NAT oANK OF MA-YLANoANNAPuL1S FIRST NAT BK UF MARYLAND BALTIMORE MARYLAND NATIONAL BANK BALTIMORE UNION TRUST COMPANY OF MD BALTIMORE ANNAPOLIS 5241429 UNIVERSITY NAlluNAL https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 9521 902106 399359 52623 CAMGEN FT VLTCSH 1190725 LA LA LA bANGUk BANGOR NATIONAL oANK OF CAMBRIDGE CAMoRlOGt 5240440 CUMEtkLAND 5240610 FIRST NbLTC CF WtSltRN ML LIBERTY TRUST CL-k-NY oF MD CvMolRLAND 5240620 DtNlON NATIONAL BANK utNIuN 5240670 FARMERS L MtCHANlUS NAT bANKFntucR1UK 524Oc20 FREDERICK C1Y Nb ur FruRlCK ERtutklUK 5240b30 CENTRAL NAlluNAL BANK oF MD niLLANuALE 5241055 L AURt L 3241110 Cl 1 KENS NAl lUNAt t A Nr LtUNAkDTUWN 5241120 FIRST No UF ST MARYS LAKI AND 5*41*50 FIRST NAT OANK LF . AklANS I -K I ANU 5241/60 UARRETI NAl tANK IN IAKLA.«C EASTERN S-iDRL NAliuNAL BANK PuCuMUKL CITY 5241330 SlATt NAllUNAL -AN-. .3 v ktA-KVlLLb 524 1427 5241480 OtP 56071 52447 bANK OF MAINE NA 1230055 1230110 MckCHANTS No uF bANGOR MERRILL TRUST COMPANY 1230120 CAMDEN NATIONAL bANK 1230300 UNION TR CU OF EllShOKTH 1230360 FIRST NAT BANK uF ARUOSlUOK 5240040 5240160 5240165 5240230 T LOCATION NAME 0221029 5240020 GROUPS I SPRING MO MO MO MD MO KO MD MD MD MD Mu MD Mu MD MD MO MD •*.992 3992u 03690 99593 7933* *4.9*9 350 15 C6u59 lu?336 5O5oO 298 309 579 835b7 29209 1 0* 1 *09 9 3* 50 1 192 1066 915 4 1 o7 15 79 09 1 EO* 635 1333 1699 506 33*9 93x0 * J33 5 bi 0 1 107587 45975 MEMBfcR (i BANKS DSB iOOOS) EFFECT CN RtSERV bUARD AMENDMENTS (NO ALJuSTMENT 5241640 5241710 CHESAPcAKc NATIONAL bANK FIRST Nb OF SOUTHERN Mu 5241760 ONION NB GF 1250090 FIRST NB CF Or-PfcR MARLBORO WESTMINSTER AMHERST plt:Jcu^^j6b;:; 1250695 l/5Go98 xtk co 1251180 1251168 Falmouth national 1ST SFTY ENO Nb Fall FTCmdRG 1251265 SHAWMUT COMMLfUTY CANk Na 1251315 1251400 1251425 1251445 1251470 CAPl eay bANK state L TrOST CO bank falmouth !!SJ FIRiT NAT GLUULcSTEl GRE^JFIE ($ N BANK OF LENAWEE COUNTY 7260030 COMMERCIAL SAVINGS BANK 7260160 ANN ARBOR oANK 0 TRUST CO 7/60175 HURON VALLEY NATIONAL DANK 7/60180 Nb 0 TRCU OF ANN AroGP. 7/60310 SECR1Y Nb OF battle CreEK 7260320 bAY CITY BANK 8 TruST CU lfcOo lo96 1439 50 179 1073 5 33755 8 114938 3953 901 1425 63755 969 4862u 5/179 42/66 7239 2964 17o7a 25069 2965 1 4200 2/45 23595 10264 311o 22g98 1955 1497 1399 65806 4917 2049 3D543D 10974 3094 1370 2539 71 70 1 746 1743 1039 2847 1007 421 5u73 1561 109o9 52204 12347b 2073 524 11 1332 3935a 364/4 86684 1059 7 78 2o35 1604 1764 2208 987 3404 o?192 43871 42153 2 783 808 2633 67745 146651 7b77o z22l 7095 8462 1568 112096 33/a WuRCfcSTtR NAYARMUUTH DtP MA MA 495382 36208 ADRIAN MI ADRIAN ANN ARbUR ANN ARBOR ANN ARBUR DAlTLE CREEK DAY'CITY Ml Ml PEOPLES Nb £. TR Cu LF DAY CYoAY CITY F 0 M Nb IN BENTON HARBOR oENTON HARBOR MICHIGAN N3-MICHIaNA CASSOPOLIS 726Gaa0 CITIZENS NB OF ChtbOYGAN CHtcUYuAN 7260a60 CITIZENS BANK 0 TrGST LU CLARc 7260930 SOUTHERN Ml Nb OF CgLL.iATER COLDWATER 7261045 GEARBOrN BANK aND TRUST CO DEARBORN 7261G47 MICHIGAN NATIONAL BANK OtARbORN lot commonwealth DETROIT CITY NAT EK OF UeTruIT DET R01I 7/61 120 DETROIT BANK AND TkuST CU DtlkUlT 7261160 manufacturers national dank Detroit 7261170 MICHIGAN NAT bANK GT ItTRG1T0tTRO1T Detroit 7261180 national bank of deIRl.ii 9261390 FIRST NATlUNAL bANK L lR CO ESCaNAdA 7261480 CITIZcNS OMMROL L SVGS BK FLINT 7261490 GtNEStt Merchants dK l tr coflint gayluRu 7261630 Gaylord state bank of 7 Z616b0 PEOPLES BANK ANU TrUsl LU jRAND HAVEN 7261730 MICHIGAN NATIuNAl dk-CsNTrALGKANO RaPIOS 7/61740 OLD KeNT DANK ANu T-.g.I Cu oRANU rAPIDS 7261760 UNION BK 0 Tr CO NA GRAND rAPIGS 7261670 LIBERTY STATt BANK l TRUST HAMIkaMOK 726/010 HILLSDALE COUNTY NAT cANK HILLSDALE 7262030 FIRST NbCTC OF HOLLAND HuLLANu PEOPLES BANK OF Hull ANU CITY bANK ANU TRUST CO NA NATIUNAl dK UF JAlrdLN HOLLAND JACKSON JACKsUN KALAMAZOO 726/340 AMERICAN No 0 TF Co eF Ml FIRST NAT 3K 8 TR Ou /. F Ml 7/6/490 AMERICAN BANK AN- Ob T VLTCSH 66/93 77/4a 71937 6707 4/o2 2046 3/68 7146 2693 690 1 146 2675 832 /29z 2 756 7794 51620 o5332 3U6304 MA MA 3774 55556 43493 60966 3790 2151 12 o/ 1 8?u32 MA MA MA MA MA MA SPRINGF1E SPR1NGF1E 52864 1076146 103236 177160 MA SALeM 1152 1433 176693 34669 101975 MA MA MA Salem 2053 933 128830 40022 97a4b MA OcLcANd 7260345 7260410 726u755 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 77 2296 351 DIF 545 57565 ma LOCATION TRUST 1885 339/ 1489 1268 1631 1749 19/4 4710 z4/4 225 2353 109/ 3709 2393 3779 4618 5447 1675 2147 20/7 3024 5004 1 594 6/15/78 bAL TOTRR NEW RR 23734 553 Ml MI MI Ml 191575 9602/ 6b775 1664 32/5 13355 4736 1 004 6 MI MI Ml Ml /38003 10o256 74122 Ml MI Ml MI MI Ml MI Ml 852647 763605 2967657 26ob 7a7 34486 4520b 1163469 5150344 34403 b/507 56679 7e/74o 66 1 /34l6 157ol 676 914 Hl MI 6a07u5 4 7od 7 7/373 6J6o4 976426 Ml Ml Ml 4/1563 132151 5014/ MI MI oil Oo 03549 MI Ml 22d517 K«LA,M«ZUO Ml MI LANSING Ml lcb322 ZVl/76 J99//6 zblb59 1/03 15a74 64/0 1694 64 7 5/3 944 7134 6/ 1 7 366/ 8926 6o/ 0 44 3 GROUPS) 1211 2007 9/57 Ml MI 1357 1219 197/ 6615 15193 673 4/37 1671 19899 12507 1748 1059 159/ 1316 4/14 1/18 4096 1470 2807 4170 1546 63343 6579 3oGa lol5 436 6962 17220 7/292 240523 95751 Ml Ml Ml 1538 1295 1630 1463 6/0 699 2339 2o71 46197 603 1073 1j74 1957 2o&4 29230 49988 564/4 65957 1 19347 a98 134a 2149 1 /oa 1703 4667 *-I CO 1657 467 499& 3394 2059 1697 513o 2039 14o8 454 294 324 7 661 1073 5432 5351 lu327 9693 599 Ml Ml 5772 1355 3140 2595 2533 19537 1016 7/65 2280 677 664 698 1119 /77o /06z 38 1 993 lo67 8758 3050 2119 RES 6665 1459 3664 8/0 992 1250 1231 EFFECT ON RESERVES BOARD AMfcNOMtNTS (NO ADJUSTMENT FOR AFFILIATE 7260025 7/62040 7/6/300 7/62310 726/330 NE w RR 500 49663 o7544 39965 MA MA MA MA MA NelDHAM New dcOEO IOOOS) 1253760 WORCESTER COUNTY NA I bK 1/53830 OLD CLY BK OF bRNSBLE OIY bank TOTRR 1508 161974 MA I AUNT UN bK T AuNTUN NAME OSB tAL 43729 137639 ma L YNN UK UE 1252940 NAUMKEAG trust company 1252963 Shawmut merchants bank na 1253135 Shawmut FIRST bANK L Tk CO 1253180 ThIwO Nb OF HAMPDEN ClY bANKS RES 26066 319083/ 1209277 1021642 Ma LOWELL btLFb*° CAPc LuO BAYbANK UNIIcD N A FIRST BRISTOL COUNTY 59 7 1761 1138 MA MA FKAMINGHAI LAWRENCE 1251910 UNION NATIONAL oANk 1251988 SECURITY NATlUNAL DANK 1252360 SHAWMUT NEEDHAM bANK (,« 1252372 BAYbANK MERCHANTS N A 1252375 125zco5 rive ”ULYUKe HUDSON HYANNIS LANK national 3b42a 68502 35852 MA MA MA greenfieli CAPt CUD VLTCSh Mu MO MA MA MA PIlLHbUKG ANN oANK AND TRUST CU FRANKLIN CUUNTY TRUST CO 1251560 1251640 HUDaUN NATIONAL 1251670 1251710 austun °ustun oUSTuN BURLINuTL CAMBRIDGE FALL RIVt bank OF DEP MO MA MA MA MA MA MA MA bA»* :^st 1250726 BAVCANK MIDDLESEX N « 1250795 SHAwMuT CUUNTY Bank na --------w I «. \ 1251140 FALL river NATlUNAL cANK 1251160 FALL RlVcR TRUST COMPANY 7/61103 72oll05 e/l5/?e GROUPa) AMhFhNT ...................... 1260396 HARBOR 0F BO1IJ, 125OAa7 NEW ENGLAND mrOH NAT bK 1260535 SJSTJtrH °LDUS7UN NA 1250560 T TOWSON WESTMINSTLR 1250/06 1250370 MEMBER AFFlLlATt NAME LOCATION 1253218 125a/al S FOR 3268 7/41 1615 642 1529 47/7 3316 2482 461/ 30 7 5 11992 1394 2058 Z4 74 2744 1671 1671 1386 1086 24 171 30311 1305ol 116341 19 166 216392 1 142 1005/ 11164 1353 1934 / 660 3/866 15513 5596 3359 5623 /757 44070 42818 165G49 161549 5357 1 24Pb99 ZUZ 3 3547o 2 6465 2u29 / c 53 3uo3 501 1/90 1 1375 2350 8606 3047 1546 12421 2716 118/ 5 a4 5 1490 135553 5/476 245/67 59 38/60 314// 510 1 166 // 34 1 39/ /'u34 365 /DUO 36 34 49a 36 86 7/44 115// 7456 1*./ )6 -429 2882 2177 38225 413/8 14ub31 /O77 1 1S59 1 0 1 U3 lu -u6 /u-,50 1383 1935 I960 2368 144/ 1765 1479 1683 1909 2223 1245 9/1 4456 44/0 5496 1062 375 565 5/1 4378 1636 46/42 2/W 33 6 1 SO 2640 DIF 4 / / nJ 1 7705 4E 45 24/1d 2599o 1095 5363/ 1964 -/790 -4457 1519 1667 16/9 600/ 4725 1/55 16/4 2131 lou? 1 703 4, 4t // 6 1 85/7 1 S /6 61 56 1 :•> 6 J 14011 / (/ V 14 J 7 zt5 O MEMBER bANKS DSb (S EFFECT OS RESERVE!. 6UARO AMENDMENTS (NO ADJUSTMENT FOR lOGOS) NAME LOCATION T 72b<500 BANK OF LANSING LANSING 7262 520 MICHIGAN NATIONAL CANK Lansing 72O2530 FIRST NAT BK OF LAPtER LAPcER 7262590 LAPttR COUNTY Bank l TRUST LAPhcR 7262605 MICHIGAN NAT BANK-WtST HcTkuLIVUNIA MI Ml MI 7262o30 Ml 726a 6o5 MANISTEE bANK t TRUST CU SECURITY No OF MANlSltt FIRST NAT oK 0 TR CO NAT LUMJtRMANS BK L TK lO FIRST No LF Sw MICHIGAN 7263222 MICHIGAN NB-WEST OAKLAND FIRsT NATIONAL OK ANu TR 72633o0 72o3390 7263970 7 263550 7263620 EK UF S CtNlnAL RICHMOND RIOHMCNO 4o2o0 97393 35804 79583 MI Ml MI Ml 7263o95 NATIONAL OANK OF R-OHEsTlR ROCHESTER 7263700 ROSCOMMON STATE tANK ROsLUMMON 7<637I6 NATIONAL BANK OF ROYAL OAK ROYAL OAK 72o3799 MICHIGAN NATIONAL oK-VALLEY Saginaw 7263750 SEOUNO Nb OF SAGINAW SAGINAW 7263775 sT GLAIR SHORES N*T BANK ST Clair SHORES 7263790 CLINTON No AND Tk.Sl ud.N ST Johns 7263956 NAT ok OF SUOTKplELu SuuThFIELO 726395b MICHIGAN NATIuNaL JK-OAKLANDSlOThF1tLU 7263959 Security bank ano trust lu suu Thga I E 7263960 citizens tr ano svls ek Sloth haven 7269090 OlTiZtNS state bank SlURuIS 36599 Ml Ml Ml MI 769 16 336624 39651 75835 90065 239750 505906 Ml MI MI Ml Ml 7269115 NATIONAL oK WYAKuUTTl-TaYLURTAYLUk 7269157 eMPIrE No OF TRAVERSE CITY Traverse city 7269160 Nb ANO TR CO Or TwAVtFSt LY traverse city 7269190 PEOPLES dANK ANO TFuSI NA TRENTON 7264<03 MICHIGAN NAT bK-.Nu-lH McTRO T RUY 7269281 OETROIT BANK-WARrEN NA WARREN 7264262 MICHIGAN NAT bK I F MACLMO WARREN 7269285 WARREN bANK WARREN 7269305 WAYNE OANK WAYNE 7269920 WYANOUTTE SAVINGS o-NK WYANDOTTE 1016 997 76531 53113 Ml Ml Ml 70251 66690 76093 191211 171902 73378 59692 110696 Ml Ml Ml Ml MI MI MI 4G654 205168 1366 5238 2083 694 4412 2953 4081 931 1365 42 19 4421 4<77 193 2 148 1650 5437 1023 1047 1405 2275 1063 1403 2632 bl9 677 9276 3b3bb 51180 lb<U48 136019 19571o Ml Ml MlOUlNcY 628 685 2069 939 4 149 1173 160705 33623 6629 2 5355b 901242 bAL 5836 51718 1923 101126 Ml MI Ml RcS GROUT'S) 3056 19508 1048 lu63 3071 1cU3o9 Ml Ml Ml MUSKcOuN NlLtS VLTCSH 50903 99b59 105079 9131b Ml Ml Ml Ml MI NOVI CU PETOSKEY STATE 8K L TR CO UP PEIuSKt rPcTOSKEY COMMUNITY No OF PuNTlAu PuNTlAO FIRST NAT NAT bK OF 69263 58787 lo9G95 Ml MI Ml 9262 750 MAruUETTE 9262/60 UNION NBLTC OF MwR^otTTt marlgeTTe 7a6ao70 CHEMICAL OANK AN-. TRUSl 00 Mid ANU 7262630 FIRST NAT BK OF MtjNRuE MjNROt 7263000 FIRST No IN MT CLEMENS KOCNT CLEMENS 7263020 AMERICAN SECURITY tANK Ml PLEASANT 7263030 ISABELLA bANK AND 1RUST MOUNT PLEASANT 7263070 HACKLEY UN NbLTC UF MUsKEGONMUSKtCON 7263100 7263190 179997 1975532 MI Ml MANISTEE MANISTEE OtP e/15/7b AFFILIATE lbl9 2659 l<00 592 999 13731 869 690 556 820 596 1553 11300 I960 luo5 966 <59 7 15397 1207 o51 657 1238 755 2799 1909 905 751 TOTRR 0692 60. 20 29/1 2429 6309 lo44 1682 4 172 , lo33 o550 4126 o713 1750 2242 0495 6240 6931 1393 2740 2144 19106 1912 17 J? 1901 3107 1029 3030 IcOoC lc77 4 700 397 1995 3566 9626 b?19 jGoO 4554 12 — 28 2-110 3 11 o 2203 19G9 1552 2 005 2322 2594 3600 69o3 2456 1652 3992 751 i2 15 907 4650 3oo4 <002 35oO 3349 6049 bb92 3361 2403 405 7 1658 0314 Ne RR w DIF 7251 701-7 164 1 -842 1 1968 19/1 1008 450 7647 662 1289 1< 76 605 4 04 1409 23 7 649 3169 5908 22 68 It ID o57 437 605 154 1 2 09 706 7207 4300 4762 o9 7o2 329 17554 10 337 1536 12 68 1940 2 149 1824 2U38 lc 15 1609 1902 1400 15o/ 1142 1 84 O 930 140 1151 l47o 844 1465 263 2 106 15934 726 1502 1 6 1o 03 1 0462 2/86 1 1 742 17084 1903 455 759 1614 1412 394 5 6240 1766 1362 4398 233 i< 18 1 746 2 lo 3 1740 1937 2404 652 1595 109 1 259 1425 lo28 6406 6/15/7b EFFECT ON RtSERVES UOARU AMENDMENTS (NO ADJUSTMENT FOR AFFILIATE MEMBER BANKS (» lOOOS) >64440 NAT BK OF YPSILANTI IbhhbQ YPSILANTI SAVINGS 7G190 FIRST 70310 FIRST NATL BANK NAT BK OF daNK IN ANOKA AOsIlN Nw NAT BK OF FtkGOS FALLS 278760 Nw NAT bK OF MANkAIU 273BAO FIRST NW NB OF MARSHALL 273960 CTRL NW Nb OF MINNEAPOLIS MANKATO MARSHALL 274G05 FIDELITY BK 274020 FIFTH NW NB 27AO2S 274030 MINNlAPOLIS MINNEAPOLIS MINNEAPOLIS jMINNEAPULlS MINNcAPUL. E TR CL OF MINNEAPOLIS 1ST BLMNGIN LK 1ST MlNtHAH Nb Nt MINNEAPOLIS MINNEAPULlS MINNlAPOLIS 279037 1ST Nb OF MINNEArCL 1S 274C40 FOURTH NORTHWtSlerN NaTl BK K INNeAPULIS '279060 MARLUETTE Nb OF MINNEAPOLIS M INNc APOL1S MINNtAPULlS ■279070 MDLAND Nb OF MINNEAPOLIS MINNtAPULlS 1279073 NATIONAL 01 IY oA.»K M INNeAPULIS >279096 NORTHWESTERN NATIONAL oANK MINNEAPOLIS >279110 ThIkD Nw N3 OF MINNtAP-LS Mt OREieAD >274210 FIRST Nb IN MOOR-eaS >279713 NORTHWESTERN Nb Of UwaTOnNa U -A I ON «A K eC-’LSIcr >276090 FIRST No OF ROL’c-.H'' wuCHlSI - R >275095 Nw Nb OF riUCHcSl-R ST LLUUJ >276320 FIRST AMlk Na UF OLDUv S 1 CL CUD 9275360 ZAPP NAT UM«L BANK 51 PAUL 9275910 AMERICAN NAT bAK l T r, <U ST PAUL 9275460 FlRsl No OF SI PA' l sl PAUL 9276530 MID-AY Na OF SI P*JL ST PAUL 9275595 NW NAT oK OF ST F-ul ; ulH SI PAUL 9275783 NW No OF S sT PAUL v iRGlNlA 9276200 GF YlKllNlA https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis FIrST No 8AL T01RR NtW RR OIF 2077 3192 636 1245 1491 1947 763 863 lb90 2392 2653 32G5 MN MN MN MN MN 1«£ 77 El 7 101039 132692 9313b 07600 1299 1996 1736 5768 7258 7017 6754 7272 665 556 4959 5965 170b 2699 MN 69231 662 1 7 8249 MN MN MN 55096 69390 01b35 79203 606U3 722 77 <024 4023 3243 2409 2 73 2 04 371b 34o7 2517 1975 1546 149 3467 941 lc9 MN HOPKINS HOPKINS MANKATO RES 1595 1829 ANOKA Aus TIN BLOOMINGTON >72660 FIRST NAT OK GF HOPKINS i72890 NWN NAT bK OF HOFMNs 273760 FIRST NAT bK OF MANKATO VLTCSH 1363 MI Ml FERGUS FALLS OtP 43415 Ob292 YPSILANT1 YPSILANTI 70625 NORTHWESTERN NAT oANK SR ;71bS0 FIrST NATIONAL bK UF DULUTH DULUTH ■71670 NORTHERN LlTY NATIONAL bANK DULUTH tOlNA -71795 FIRST EDINA NATIONAL CANK EDINA >71798 FIRST sOUTHDALfc NAl EK -72070 FIRST NW NAT bK OF FARlbAULT FARlbAULT >72112 T location NAME 3S6 GROUPS) MN MN MN MN MN MN MN MN MN MN MN MN MN MN MN MN MN MN MN MN MN MN MN «N MN MN MN KN 69198 96323 79707 64o28 o313U 84625 133o690 93a 13 205527 16096b 160929 Is79s33 -E099 482 960 782 917 522 563 66o 608 766 166 771 52 1 629 5536 3719 3299 1899 1502 8158 2019 1909 2721 2525 3976 3370 2 7 60 2098 2691 4247 3691 3374 1995 <64 8 3634 73431 2328 1U<4 7 6729 936 6ol2 0940 13a61 60 359 1679 0l6l5 2 64 0 3-5 b < 6U 1 - /. 4 912 9971 919 320 1956 lfclS jGc 7 tb9U5 55«t 7 1079 A 569 01 3 1 --0 A 19510 9L1a 6 O. 0 6 7 350 56290 1U2184 117609 4081 22ol 3093 6A 726 1911 5776 67o9 595 69 1 1G703 3 136 2 loO 3 260 7ou3a 40/4 933 1 A ,962a Iv 79a 9 7 309 1993 9 111 < 1 >003 64284 1562 6/9 75 65 a CO. 9 2 1-2 15/9 319 - eG jr. .5 8 . . *. 5 luc-U G -4 / S . w ‘ • «* A u * .-6 *. • 3 I <u5o a709 1931 1612 19b0 1020 1791 169 1 2 360 5295 2 59 6 2502 1713 1 763 1365 1 19 5 771 24409 1 EG 1 907b 3939 3084 5 04 1 8 a5a0a 2534 212o 2009 1440 2663 40942 5<< 6169 5319 - 79 lu7a 57 2 lol9 2376 26 8 1 < 5i 4 < U9a A A 96 15*-u < 09 a029 3 . 8J .1.3 7 -4 } 095 7 8. J' 3 6/ a 2 ‘.4 .'6/1 0 A 2a 6 A. 3? oc MEMoeR (i lOOOSJ banks t»S8 vN REStFVEj (NU AOJUSIMENI EQ, CFFlCI □ UAku AMtNDMtNTi 92762 10 9276630 NW STATE EK UE VIRGINIA URST NORTHWESTERN U.T bANK 9276690 9276660 MERCHANTS Nb OE WlN.NA WINONA NAT t SAVINGS EK FIRST NB IN WURTHlNoTLN 9276665 FIRST COLOMbUS ElkST NAT ok OE GREENvlLLc FIRST MISSISSIPPI NAT LK CEPLS1T GUARANTY NAT bANK 6280750 6280900 e/eiboo FIRST 6261690 PEOPLES OK OE MISSISSIPPI m2 6°K °F v1'-NS°ORG 0281870 6261b60 MERCHANTS NATIONAL 0RAVU1S bANK FIRST Nb OF CAPE bANK BANK GIrA-DEAO CITIZENS NATIONAL OANK 8291000 FIRST NAT bK OE ClAYTlN 6291090 bOONE CTY N6 UE OOLOMilA 829111b FIRST NAT oANK L Tr-uSI CO 1029/270 FIRST NB OF INut PENSt flCt 6292370 EXCHNGt Nb UE JEeFEkSN 0 IT1 10292910 FIRST Nb f. 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TUPELO NAUNION VICKSbUkG VlOKSbURG AEF TON Cape oiraroeau CHILLICOTHE CLAYTON CULUMblA ir co PLAINS lo 7 7 1590 5 11 1909 1909 1C66 2511 loo75 MS MS MS MS MS MS MS T<*352 19701 1992 1323 2098 500/3 95.38 9130 3037 2969o 80659 66897 7o061 39362 30537 2138 lH* 3505 /995 9*7/ 20375 <551 1 197/7 839 1708 3756 57b 3291 176b 317b 1233 51b0 37b7 3565 2191 6002 5.9b 1762 2389 3793 3597 99b/ 2793 /9/. / 796 1666 250 2 5*b 9 69 6368 505/ 2997 3176 92 52 2933 /91 2003 2116 2619 397b 5509 692 1 99UO 3?3«,9 16/9 29 59 MO MO MO MO MO MU MU MU MU MO 2509 25 70 7a8o3 1917 3057 2031 66301 1119 j50a9 MS MS MS INDtPENDENCE JtEFtkSON CITY JOPLIN KANSAS CITY KANSAS CITY 55599 1a 2 819 **5799 100/75 5299o 59077 103/91 96955 *67o9 69329 o6o36 106573 121022 161221 935 92 8 335 783 1 16b 6oO 576 795 1657 2636 KANSAS CITY MO MO MO KANSAS CITY KANSAS C1IY MO MO KANSAS CITY 91968 1 19966 500 12o 1 MO 69135 709 KANSAS CITY 656032 5/Obl* 190o 5390 3998 KANSAS CITY KANSAS CITY KANSAS CITY K 1RKW0UD LtMAY MAPLEWOOD MtXlOO NuklH KANSAS CITY si Charles ST SI si ST JOSEPH JOStPH LUUls luuiS SI LOUIS ST LOUIS ST LOUIS ST ST ST LUUls LOUIS LOUIS ST ST LOUIS LUUIS WcST PLAINS T MO MU DEP 105012 510575 MU MU ML Mu MU MU MO 50851 50513 115531 9E687 MO MU MO MO MO MO MO MO 195912 109067 69962 5u5e52 1503569 75527 1/7961 1/1953 1/12180 MO MO MO MO MO MO MO MO 92363 93768 57259 VLTCSH 811 9920 360 600 1593 892 626 o7b 69 7 2299 1830 675 7599 15093 1153 lb65 2137 5585 3669 1617 260/ 3/33 3852 3765 7998 32009 30361 1 5/7 5911 3032 TLTRK 5169 25535 5*75 .9955 2229 1961 3769 1390 2569 .561 19*9 lol8 2 609 5265 3313 2206 20 060 65292 2299 6319 5b3z 2182 2 125 2*99 , 3301 7559 5193 2e6 1 27o79 oOb&5 2763 87130 69116 1998 1093 3093 2916 06 19 50*1 3959 59255 119638 59 6 105b 158 7 1907 757 979 1 191 1971 2 163 99b3 651/e 60 1 9300610 N0“ Tf-wt STt RN o AN' . 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U99 DIF 359b 32 1 •. ou* / *«• 7 191* NtW RR 5989 *6/ t4* d oo 9/57 9160 9153 2711 3 i*u BOBO* 5331* z*59 3017 2375 0. 3/ 9 56 1 1278 <995 Ok2 1095 20/9 1069 66*5 65 72 BO SszoO 7629 2 3b3 2 198 .167 *639 o. 1 9 5 1261 6/15/76 159595 167098 *38 lo 7203 GROUPS I 9276 555o lJttCC 6* 7 So MI MT 20/ / 7192 5791 2870 9007 MT MT RES 33E/9 1906 1551 1956 1025 3305 92685 117061 155912 56690 MT until FALLS GktAl CALLS hl L t NA b503 399 7 7509 5992 61797 MONTANA tANK NW NAT bK OF GREAT FA.iS 1ST No L Tr CO Or >U L : '.A MT MT MT 7750 9681 97898 1195 1261 13999 93005 IO 9300512 9300600 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 19/9 < u7 7 2 060 3993 9300125 9300190 9300990 9300650 930U660 93u0750 1960 12 66 3 w* 6 I 1 LIT 1363 9967 Ml MT MT MI MT 9300090 9300110 93001/0 /Bo l <671 3999 r,fc m 2806 ElnST NATIONAL bANK ANACONDA FIRST NwSIKN Nt OE OlLllNGS blLLlNGS MIDLAND Nb uF blLLi.NGS cILL1NUS SECURITY BANK Na clLLINOS FIRST No IN oU2tvAN BUZt MAN FIRST SECURITY cK uf tb.tMA' loUZt MAN FIRST MtTALS bK (. Tr Li. bOl Tt FIRST Nb uF CRt A I rA.L S u-.i A I FALLS 9300010 930O085 1<8* 1T36 2919 686 619 691 Nt 119b 67oa 10691 CuLOMblA SEDALIA „EST 9j6 TCTrr H37 JACKSON ShOALlA 6UATMENS UNION-NATIONAL bANKSPR1NGE1 ELD MERCANTILE BK OE SPr1NuF1ELuSPR INGE 1 EL 0 FIRST 1097 ob/17 65267 50887 97/65 oAL 722G0 53192 259227 b/59o3 haTTIESoORG LOO AT ION AND TRUST Ou 6293/70 CITIZeNS Nb OE GF. si LOUIS 8293998 COMMckCfc bANK OE McXlLJ 10293610 nat bank in no kan-as city 8/99960 10299551 10/99590 02601 RES EEEttT ON RtSERVES bOARO AMENDMENTS (Nu ADJUSTMENT EUR AFFILIATE NAME LtMAY VLTCSH MS MS MS MS GREENVILLE 1000S) 10/92650 TRADERS No OE KANSAS 01 1Y 1029/668 UTD Mu OK UF KANSAS CITY NA 1029/6o0 WESTPORT BANK 829/773 COMMERCE OANK OE KIRKWOOD 8292*95 MN MN MN MN MN wINC NA WINONA GtP bANkCO'LUMbUS 6280910 FIRST NAT BANK UT uACkLON 628G960 COMMERCIAL Nb ANO TkOoT CO 6260970 FIRST NATIONAL bK UT LAUF.cL 6281190 CITIZeNS NAI oK OE MErIDIAN 6281/50 EASLAGGULA MLSS POINT bANK 8261718 NAT bK OE CUMMtKCE OF MS CITIZENS NAT VIRGINIA WuR ThINgTQN 8280650 NATIONAL T WlNuNA 8280390 MEMbER fc/15/76 SRUOPS) NAME LOCATION 6290025 8290770 10290950 AEElLlAle 6*79 3z 1 o jz!>3 ZV 4f o z z bz / 5 77 395 B3 50 10b5 z Jz 3 66 1 J BC95 . *-.9 *c9 1 B. *5 -.3*3 “ wJ C 4 /13 4 GV *. z tv Zt/z I »'V J z Mf.Z 4 Wc >iV 4 C 54 4-05 4 c iU 1 **-*5 4 4 V3 00 CO MEMBER BANKS USB Il IOOOS) BOARD NAME 9300770 9300760 1ST NAT WESTERN 10310o85 FIRST LuCAT ION MT fcK OF MISSOULA MONTANA NAT gK £ Nb EFFECT ON REStKVtS AMENDMENTS I NO ADJUSTMENT FOR AFF1 LlATt TR CC CF T £ 5932 937/ / 1 13 1973 COLUMbUSCcLUMbUS Nfc 60535 39355 696 655 78 5 136 5 700 3105 2065 3o01 270a 2879 3560 1315 6B 3ob 1059 2586 2650 2591 2511 1C65 269 955 5079 1939 3172 1773 1579 126o5 9695 291b 5236 /Ob/ 2533 16763 556 1595 z57z 2752 2037 5ol 700 153b 2713 877 lo92 1 650 13 155 Nb NE Nt HASTINGS Nt Nt Nt 10311960 10312120 10312150 1031//5w FIRST Nb £ TR CO Oh KckNcY FIRST Nb £ TR CO OF LINCOLN Nb OF CMRC TR £ SVGS ASSOC FIRST NAT bK UF Mg COOK KtARNtY LINCOLN LINCOLN MC COOK NE Nt Nt Nb 6o688 01119 657b2 97067 59630 55656 363362 2367/6 OMAHA NE 57527 67500 50552 51265 10312730 FIRST Nb OF UMAHA 10312752 NORTHWtSTcRN NATIONAL BANK 10312760 OMAHA NATlUNAL BANK OMAHA UMAHA OMAHA Nt Nt Nt 307612 9790/ 597558 10312770 RACKtRS NAT OK IN OMAHA 10312600 UNITED STATES Nb Or OMAHA OMAHA OMAHA Nt Nt SCOTTSblUFF YORK Nb Nt 56/03 2b63/6 3/665 10312600 DtLAY FIRST NAT BK £ 10312690 FIRST NOCTk CO OF NO tK g YORK Tk CD NtVAuA OF NEVADA 123/0075 NtVADA NATIONAL F.ANK 12320080 StCURlTY Nb OF NEVADA 1330190 CONCORD NATIONAL bANK 1330300 INDIAN HtAD Nb OF lAlTlR 1330360 Dartmouth no of haNgVlk OSb PURTsMUUTH NAT BK OF CTRL 2350710 3350723 2350727 2350730 2350837 3350852 2350900 2350921 2350922 2350955 2351000 2351C50 2351061 2351/20 3351250 23513/5 2 35 1500 2351530 2351580 2351600 z7>30 35217 Bo96 3555 1555 32601 2E9fc5 2 // 16 6g6 18 55510 7958 8659 1 6055 11555 1*205 9330 CunCuRD NH 57528 NH NH 5bob 1 35319 1733 600 375 1996 150o 1 199 3731 2106 1573 1303 t At T ch HANOVER https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 96730b T DtP MANCheSTtk AFFILIATE VLTCSH Manchester 59b85 171853 MANCntSTER NAShUA PuRTSMuUTH 5918 6306 75072 1/5958 1698 1361 5/771 1536 bURLINGTON TWF CAMDEN CaMgcN CHERRY HILL C L1F I ON TH CuLONlA : ASS JtRSL Y LIT Y TRUST CU UF NEW jt-.: tY JtKStY CITY FIRiT NB £ TR CO uF MAKNLY KtARf.tY 3351650 PEOPLES NAT bK IS LAslwgUO 2351720 LIVINGSTON NATIONAL BANK 293 52 zo8599 z/1958 CKANoURY DELrAN TOMNSHl peoples Nfc OF north jersey OcNVILLt IwP UNITED JERStY BANk/NOkTHWtSTDuVtK M10LANT1C NB RARllAN VLY tDI SON TWP FIkST NAT BANK OF S JtKStY tGG HARbUR TWP NAT STATE BK ELlZAitTh NJ Elizabeih UNITtO COUNTIES TkUST CO hLIZAbtfH UNITED JERStY bK/uLNIFAt CLlZAotTH EOGtwTR Nb tGlWG 01FS NJ tNGLhwUUO 0L1F FLEMINGTON NAT ok £ TK ou F L t M1NG T ON FIRST Nb IN FORT Lt L FORT LEE URBAN NATlUNAL fcANK t kANkL IN LAKES UNITED JckstY BANK HAGKtNsAOK MIDLANTIC NATIONAL cK/SUOTH HAjDUNFltLD UNIu JtRSEY BK/M1.STATt NA HAZ Lc ) T nF COmmERIOal Tk CO _/ n j Jersey city JtRScY NAT. 5926 ZB992 z21z 15o69 z738 205 7 1653 12 66 1 22b5 1505 NV NV M10LANT1C NE/CRANgUkY BANK OF WEST JlKScY FIRST 3 761 25 138 1/3 b77j 2/31 16326 173 10301 577031 VEGAS JtRSEY BkIOGcWATER T» 3350560 FIRST NAT ST bK OF h JcRSEY 3350510 bANK OF New JERStY 3350530 UNTO JERSEY BK/SOUThwtST NA 3350593 HERITAGE bANK NA 2 350639 NEW JcRStY BANK N A 2350705 FIRST bANK OF COLONIA 2301 15992 33 BOO 570 NV NV LAS RENO RcNU RtNU 3350092 ATLANTIC NATIONAL bANK ATLANTIC CITY 2390100 PEOPLtS BANK NA BcLLtVILLt 3390365 bANK OF MlD-JtRStY bURDtNTUWN TWP 2390900 NATIONAL bANK OF SUSSEX CTY okaIcHVILIE 3390530 F £ M NAT bK OF oP.IuGlTON faRluGclGN 3350531 UNITED JRiY BK/CD.MbR LAND NATcRlDGETUN FIRST 535 11633 1997 35 13 /769 23 12 1 1061 632 7 35 2 LOCAT1UN 1330670 MERCHANTS Nb UF MANCHESTER 1330711 INDIAN HEAD Nb OF NASHUA 2350535 1 155 5355 56 9 /20b EFFECT UN RESERVES BUARD AMENDMENTS (NO ADJUSTMENT FOR 1330590 AMOSKtAG NAT bANK £ Tk CO 1330622 bANK OF NEW HAMPnlRt NA Nb OF 653 2798 2095 2093 2218 588/6 (» lOCuS) NAME 1330660 FIRST Nb Ne TK Cu NORFOLK PLATTE NORTH PLATTE AMERICAN NATIONAL BANK MEMBER BANKS Rr 3 701 3658 HASTINGS HULDRtGE 12320090 VALltY BANK OF 12320070 FIRST NAT BANK Nt w 731 915 TR CO HASTINGS Nt SCUlTSbLUFF NAT FIRST NAT bK GF TOTRR B7275 96337 FIRST NATIONAL bANK FIRST NAT BK OF HOLDktue 10313320 10319190 CAL RtS MT MT 10311650 10311610 10312716 VLTCSH MISSOULA MISSOULA 10311395 FIRST NATIONAL bANK £ TRUST FKtMUNT 10311590 COMMERCIAL NAT tK £ TR GRANO ISLAND 10311550 FIRST Nb GF GRANO ISLAND OrANU ISLAND 10311660 CITY Nb OEP t/lt>/7b GROUPS) LkKcwUOD LIVINGSTON NJ NJ NJ NJ 5101 956 5962 2592 5002 2567 3525 60/51 NJ NJ Io9350 510688 NJ NJ 86/Ub 5195/6 759533 50035 5/3oo 2379 5651 15588 3897 15657 2b53 9379 1901 3322 6178 13107 9536 30185 1530 15295 3320 15585 9750 307 79 15377 27727 1139 2135 1315 917 53109 lbo7 2578 2/31 1065 NJ NJ 51989 NJ NJ 3b579 75 8 510 589 717 1U9913 2628 57677 50/56 7 966 19769 637500 39-yO/b E5931 51177 NJ NJ NJ NJ NJ NJ Nj 5556 9872 1853 2897 1110 1579 5113 102/8 97055 265360 Nj NJ NJ 0 3566 2 305 1058 NJ NJ NJ NJ NJ NJ TOTRR 990 1577 791 1653 66767 557/5 39270 71119 59110 55381 076U16 z/99*0 6369 I zo798o 570099 3919/0 b6858 3 AO 36 91/98 5656 1759 615 730 705 739 9032 0 17061 3505 1 179 // 15 1 539 1 506 207/9 2 77b 9l9Ol / 155 6555 1 /U3 6599 *9 Z97 1130/ 1U503 05*0 310/ 110*3 1*60 507 871 1 lu* 1 365 2613 2/99 217b 7169 2695 11966 *039 9806 z555 2005 6769 12306 530u 2675 25*6 1165 5 10 1 163 b/15/73 69/17 NJ NJ NJ NJ bAL 3106 1965 95/ GROUPi) oOl82 NJ NJ NJ RES /521 570/ *659 1903 1635 5/06 3/1 7 28601 5115o 2/707 5155 1768 Z955 2*39 *257 6/19 0 11*98 8c5 / 1 5u98 86 1 79 NEW RR 151/ 8069 1568 5159 1233 1991 1797 1731 35 911 3653 I3o95 6971 25897 2392 2 52 8/ 36662 1133 135/ 553 57 5350 1536 28/57 35eO2 /8705 2872 60 l9u/ 102 7 9UG 51/13 CO9* *681 OIF 3035 1/03 2535 b!3 1259 1535 1056 2653 1866 2511 2525 -300 567 5730 2336 6597 6522 755 130/ 1530 15o7 656 1761 3355 15855 -996 228/ 1 70/ 13b7 1/1/ 1 o39 10977 2 9 36 1176 199 29/3 19899 83* 59 1 879* /6b5 99 ',/ 1 t.u9 88 / 3 1 Go9 8 59 • * 56 9u5 1* 55 1 j/2 / l9« 6 OC c« MEMbtR <$ BANKS OSB fcEFECT LN RESERVES oOARO AMENDMENTS (NO AlJUaTMtNT POR AFFlLlATt loOGS) NAME 23A1O1O 2341820 MANVILLE LOCATICN NATL MANVILLE bANK MAPcEWuOO BANK ANO TRUST CO M.APLtWuOO CMMNTY OK OF oERGcN CTY NJ MAYxULU BURLINGTON CTY N«T "BANK MEDPLRD 2341865 3341870 2341956 HfcRlTAGt tANK—NORTH NAT 2341960 AMcRICAN NAT BK 0 TR OE 3341988 2342076 2342095 2342140 234*145 T ASSNMuNpufc TWP NJ MONICLAlR BANK UF NEW JERSeY NA FIRST MERCHANTS NAT tANK NtPTONE TwP 2342935 2342945 BROAu NATIONAL fcANK Nfc-AR.K Newark FIDELITY uNILN TRUST eoMPANYNtwARK FIRST NAl STATE BANK OF N J NtWARK NAIL OANK Ot NEW JtRStY UNITED NATIONAL BANK PISCATAWAY PLAlNFlccD OLEAN CTY No OF PT PLEASANT FIRST NB LF PRlNCtlJN HNTRON CTY Nb OF FLEMINGTON COLONIAL FIikST Nu PulNT PLEASANT P«lNCtTGN RARITAN TwP RED bANK 2342500 CITIZENS FIRST Nb OF NJ R iOoLWOOO 2343070 NAT COMMUNITY oANK OF NJ Rot hckfuru 2343189 FIRST NAT STATE cK-tDISJN S PLAINFIELt jlrsucoasunna 2343265 FIRST NAT STATE BK Ot 2343309 FIRST NAT SlATfc bK-tUU'.TY 1cNAPLY 2343315 MIOlANTIC NAI OKZClllZtNs T LNAFLY 334 36 30 3343690 PEOPLES NAT BK CP NJ MENfieR BANKS NATL 9563*7 *7516 69510 e360l 64393* 333100 44lbl 63708 bol 15 *11170 169383 l*5ou5 153713 137834 NJ NJ NJ NJ Nj NJ NJ NJ NJ NJ NJ NJ NJ NJ ’ 7690*8 1971*5 1 15072 21b86l 317*46 340497 609169 63119 61173 664334 NJ NJ NJ 65328 NJ NJ 105943 226808 6c4o75 o0637 419*1 1529B6 NJ 40ol3 NJ NJ Nj 5oO 1567 963 27a? 743 13 64 llBOZ 19o04 2313 73*5 *433 692 918 207b 10653 4759 633 1038 * 05* 4147 3333 2442 479* 1909 4410 4536 LOCATION T OEP VLTCSH *5o7 347 2653 4464 1*20 *7* 1 13127 441 1 11131 94 1 7 t3Ol 7t55 5400 60 78 4 b 34 2 1630 19590 3?96U 10697 4*19 9370 1*163 *09*0 633* 4Gd4O 6401 3556 11193 5465 1 13/1 1 7317 16473 31033 *uO57 YARDVILLE NATL NJ NATIONAL BANK ALdUOOfcROOE AMERICAN &ANK OF CLMMtr.CE ALoUCUERcOfc FIRST NAT oK OF AlcUCGtKCUt AloUwUEkGofc 10350070 FIRST NAT BK OF otltN otltN 11350090 CARLSBAD NATIONAL tANK C aklSE.AU 11350120 Clovis national bank CLOVIS 10350150 FIRST NAT OK OF PARhINjION Farmington 11350195 FIRST NB OF LcA oTY FiUooS 11330220 FIRST Nb OF CXjNA ana (.jy 1135G33O 11350336 FIRST NAT OANK OF kOS«£LL StCORlTY Nb OF ROSEnELL 10350340 10350345 FIRST NAT SANTA Ft BANKERS BK OF SANIA NAT10NAL TR co OF Las SANTA Ft fcANK ALoANY SaNIa NA NAT CUMM6R1CAL bK £ Tr CO STATE oANK OF ALBANY union national citrIIL^ 2361267 2361280 LlBERlY N:\S!r*Tl’SAT k? 2361600 nb AUbURN oAeLSTON SPA u-„. ~ A CO N nydinuhamton tJKFALG a’.u tr ST LAWRLNVE NAIUNAC PENINSULA NATIONAL co :A\k 2 jo167o CHESTek NATIONAL DAN-, 2361970 first Na UP LORTla236*2 50 FIrST NAT bk OF t AS I I LIP 236*400 Chemung Canal TRusi Ce-PANV https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis ALBANY Albany 2361jOO “ANFcIORtnS £ Tk.ws lk CO 2361310 marinc midland Bank 2361395 CcNTRal No CANAJthak1u 2361410 Cananoaiooa Ft ALb^NY ALBANY ARCAGE oank 2360741 CRUCES ROSWELL RUSwtLL FE 2360330 citizens central dank 236U450 NAIIOnal OK OF AOr.OKN 2360540 oALLSTON SPA NaTIuNAL oANK 2360640 FISHKILL NATIONAL uANK 2361400 3407 lO9o3 30394 3b54 2040 7777 1498 1696 467 2930 49b 1*46 2G01 5154 -3955 1*1 1407 64 6 -3614 697 1401 110* 1798 107? 60o 65*0 25 184* oo os 2*40 1433 *243 1496 -506 955 977 1977 1482 1257 1017 B/15/7o TOTRR OIF 72363 2007 788 2795 669 ALBOCOERCOt 10350023 10350030 2360065 2360130 1510 *259 -737 2998 3021 40050 20*6 4296 9001 28596 3669 44436 35*3 5777 *126 2360150 2360155 14497 1440 BK YARDVILLE 10350020 -187 2779 14125 16461 3041* 4485 NEW RR 3343750 3601 1109 GROUPS! BAL RES 2 3665 1772b *6639 2367 1190 4450 1*70 1194 *5*3 9 17o2 1657 3 504 7 14241 *3334 1487 900 3327 572 1040 19530 *9*o 13798 676 4 Goo* 5104* 49411 64408 1457 321* 48*6 14*51 12 748 2907 1581 1850 13525 1379* 1571 108b 12691 EFFtCT ON RESERVES BOARO AMENDMENTS (N0 ADJUSTMENT FOR AFFILIATE NAME 3916 351 10 1 * 46 1035 I0b9 7sO 3455 lfc3o *4457 12969 1 754 lolS *912 6980 6078 3919 1*781 7OB8 17*41 2914 2 5bl 31 745 616 4 196 9053 16869 9j85 247 1 36 1 1 . OIF 3* E4 4117 55007 66003 6961 NEW RR 1543 4 3*4 1814 22’J4 * *038 * 7 t66 40*90 39 746 48304 7o5 2294 0935 9*0 1504 9083 7259 14*31 TuTRR EAL 1076 o70 1471 / 28257 16104 4*o972 4G5o?4 NJ NJ WOOD RIOOE 1000s I TS 71d970 1113061 NJ NJ WeSIMONT BANK NJ NJ NJ RES 10251 7662 1804 628b 102* b455b 265795 590 7 b NJ NJ NJ MARINE NB OF WILOWCCO * IL UWuGD UNION TRUST CO OF WlLOwOOU "Il^abOO No £ TR CO OF GLOuCtSTcR ClYwoOOBUKY 2343710 WOOD RIOOE 4*533 374104 433044 Nj FIRST Nb OF TOMS F-.iVtk TuMS RIVER FIRST NAT BANK LF R Jfc RSt YT OTUWA cROaO STRElT NB CF Ikl'iI^N TKt NT ON 3343345 1ST NAT ST BK OF CTRL jRSY TacNTlN 3343350 NtW JtRStY NATIONAL cANK Then TON 23434*0 UNION CENTER NATL oANK UNloN 3343497 CITIZeNS LNlTcO BANK NA V IN el ANO 2343534 PROSPECT PARK NATIONAL BANK WAYNt FIRST NJ NJ NJ NJ 3343330 23*3334 3343340 3343569 3343620 39579 o5301 41417 NJ NJ 2342200 MIOLANTIC NATIONAL BANK NeWARK 2342225 SECURITY NATIONAL oANK OF NjNeWARK 2342318 MIOLANTIC No/SUSSlX £ MRCh NtWTON 2342425 AMBOY-MAO1 SON NAT LANK OLO BRIDGE TWP 2342483 GARDEN STATc NATIONAL tANK PARAMUS *34*5*9 VALLEY NATIONAL LANK PASSAIC 2342700 PERTH AMBOY NATIONAL bANK PtnTH AMBOY 234*7*0 PhILLlPSbGRG NAT OK £ IK CO PHILLIPSBURG 2342744 PtC'PLtS NB LF CtNTkAL JtRStYP1 SCATaWAY 2342747 2342612 334*B3O 3342060 NJ NJ NJ NJ NJ MJORESTOWN VLTCSH OEP fc/16Z7fc GROUPS ) ot pfaco CmPPALO OUFF ALU C anajuparit CANANjA1 co A L~NI UN LlCARhORSI LHC S I ck C vR I L AND t-SI ISLIP lLMIka NM NM NM NM NM NM NM NM NM NM NM NM NM NY NY NY 573378 10**44 10568 22202 3*770 1042 25455 3237 7315 345516 45473 4*79 4984 842 597 lOuo 737 14471 1226 354* 19455 13*«4 *U6b *2oO 5E5 2 6171 1483 2*76 1114 3*29 4544 3199 *9* a 4343 5350 5657 64 1453 1774 225* *090 357o 3465 3685 3*50 lol9 61 1 2916 519 *066 *639 2609 2obl 49944 6U434 66860 1*2305 10o4o4 76442 69 536 1U1* 75 64011 236937 7o0765 737479 606 2456 662 674 2113 96 7 7 500 18097 9416 3106 NY NY NY NY NY NY NY NY NY 5G1>* 34 l*6fco92 NY NY NY NY 6b]7Ih* 5 15*o 72454 113U?0 NY lc*775 NY NY *014 51 o 1 u 143? 59o53 53369 1 ll 1 1IG474 NY NY 96U04 o2o24 656*9 31650 523*3 *56623 4 /OiUO 8a9 1435 04 5 1141 0053 3 776 153/9 3755* 137o70 203o 910 *356 16o3 19*0 30*3 *5 76 3412 *2 33 6055 30730 3ooo* 1806 *533 1 958 73b 1 063 6036 2*895 129u4 34 120 3 10o40 1 912 * 339 361 O 55*5 3200 2b64 13555 12639 4oo27 916 44*67 375o9 4540 lulll *662 1706 lib* o5 149a 9c0o 16150 2*30 48 loo 491* 34*2 3393 1383 *994 14UF9 *6671 *C*O3 25935 716?* 6 0* 7 6 *09703 3 I U6 1 7 64 3t*o 41 *4 1155 44 C t 60 3950 3. 49 1714 *211 1298 l49o 4* b3 105*1 / j*»o 11396 I5ot57 E«.4 1405 3*78 1 U 34 54 74 5. -* *4 7. ooO loll 1579 . 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I 5371205 SOLThiRN nat i-K _h Ni_ 537 1730 PLANTckS NAI 8K e Ik LJ 5371830 FIRST No Or SHel:>Y https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis WACHOVIA SK e Ik NY NY NY lo/73956 Iz3tb6z6 17703900 93172 NY NY z 13561b 62900 66690Z9 16916111 123077 10770016 2223183 1723260 NY NY Na A mlulMARLE AShe=LRO Cha K L LIT E aCharlOTT E oASluNIA mIgkjkY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NC NC NC NC NO 55zl 5 69 1758 19 7 7 o bU06 w287 3599 392 10092 5009 zOoZ 17zb 57o5 3bl9 6292 6J6z 97>2 2097 6069 9o90 960 1278 1991 3o75 9076 3z90 2713 1137 2700 12 57 3970 3298 2829 JbZ 1329 937 7970 1395 15219 796 23109 21392 2191 2226 102 7 2701 532 5935 269799 992 5 1559 769 b 316 3932 31 2211 85362 65761 3991 1 162860 165o86 112607 6o71 2o016 NY 66233 5a 1 166 7 2688 722 2610 19629 90960 6919 1853 1768 78095 7b3 l93oD2 71919 176135 2739 1169 5698 93z0l 76 792 351597 998079 z&15 519790 69392 RES 3009 5998 1755 35E3 921 10539 1692b 2063 ,zb90Z 3397 19 18 1117 5791 zo33 7J51 19 53 9 66 8 990 2 609 5G51 O99o 032 0939 535U 0066 008 lto9 550532 160051 9672 5156 73U0 2055 13236 lzO7fe 8309 16797 92672 5b7665 33U5 1509 10177 5669 2015 27537 33035 5o3 1526 98 1Z3 lBoo 56j 5oob5 1053 15Z2150 2551/35 31103 J9CJ3 16 70 BUoUl 196308 553«. 9951 9 00 5 1 63 1 59 J63 » 790 1 59 3092 6182 36o7 lG6u9 NEW RR 5 6595 z 79z 7 855 105o5 No TUTRR 62237 l>6b 10569 69t . 1.19 5kuob 1 lo93z 60c9 5o59 t.(19b Z 1 1o 1/6/9 I'JU. 9 z /' D lz 1 J •Z 55536 2960 119350 61Jz67 9051 390G11 99039 35999 7095 9793 22995 19o6 1999 1703 1859b 69 2 0 3U92 767 0/15/70 300z0 /6o91 LGMPLKTuN r> DO K Y M(JUN I -HL L J Y bjbb 9591 2990 32217 1Z89 1516 59650 5o6U 3993 500165 309189 So9b8 5 2315 2968 19939 9603 29732 9 1591 9725 19277 67562 917992 3j0170 271353 195699 172798 698 IB 1996 6690 1260 Ju9d 9330 1965 <6O2U2 7z Iz 1 365109 2 6 69c 7 1009b 6b5to3 GO GO 1 6z b 123o 1567c5 2310 15206.1 5U565z 5995 319o72 12 B7b9 33879 251o 9961 251b 3279 12587 3Z >63 135625 10ol99 169560 57750 2311 1897 1875 993 3130 10369b 5999 159232 5260 271391 910699 GROUPS) bAL 1923 1715 2659 66 9b 50 600101 016009 870305 11996/9 222035 2166 1950 lb7z 150961 I 9556 2voO 252 16 o6z 3 1172515 0 13321b 9007 2975 2225 1066 6900 195951 350156 ZU5zo7 159 5 2b zlz25 6622 1010635 725201 1006967 653 59356 132762 VLTCSH 735 1253 1965 1566 9tO9 1910 6216 3072 2039 777616 165601 91616 LtP 1573 11669 1593 1328 755 1019o 5961 3967 2 799 NY NY NY NC NC 6b79 2019 9923 22569 NC NO 9355 60 2163 NC SALeM 39 15 2 95E* 2O3B 059 7 166ol9 362119 JALKSLNvlLLt wINSllN 5ooo 61223 3631 7332 62U96 53677 L INSl. IN NC 3961 Z6637 2529 2522 706957 7686 696959 1307u2 16191 T 23o7zl0 BANK OF SMITHTLWN 2367370 BANK OF SUFFOLK COUNTY STONY BROUK 2367910 TRUST ANL l--'-JSil CU SYRACUSE 2307921 LINCOLN FIRST BR-ClNTkal NA SYRACUSE 2367920 MckCHANTS No L Tk Cu SYRACUSE 23o7bb0 LNtlGA No E. TC LF CcNTRL NY uTILa 2367870 NAT BANK ur NORTHERN N Y WAltRTOWN 2367960 CITIZENS NB £. TR LU WcLLSVlLLt 5372230 3300825 6U1706 2060a2 Nt W Rk bAL 691 1U03 657o 2103 620 b6 5 EFFECT ON RtSERVtS BOARO AMeNCMeNTS (NO ADJUSTMENT FOR AFFlLlATt 1000S) NAME 2365890 2365650 2366590 2366O10 (S NY NY NY NY NY NY UNITED STATES Tk CO OF NY NAT bK £. TR CO OP NukWlCH MNF HANOVER TR C.U/WBTN NA 23b5620 ONEIDA VALOcY Nb OF ONclOA MEMBER 36z95 1A3901 8562865 NY NY UF NORTH AMOR1CA REPUBLIC NATIONAL NY NY NY NY NtW YORK NY TRUNtW YORK tURCPtAN-AMtRICAN BANK NtW YORK FREEDOM Nb OF NEW YOkK . ________ _______ NlW YORK IRVING TRUST __ COMPANY MANUFACTURERS HANOVek Tk CU New YUkK TR CU 636798 38710 96699 OIF TOTRR RES 601 D 2519 76560 72223 NY NY NEWBURGH 2369690 COLUMBUS Trust COMPANY 2369700 HIGHLAND No CF Nt"PGkGH 2366b60 bANKxRS TRUST COMPANY NAT GROUPS) AFFILIATE 2627 16366 1107 GLLN MLAO 2569880 2369696 2369915 2369965 23o9965 2369990 2365035 23o5109 2365165 2365290 2365290 2365310 2365328 2365391 2365915 FOR VLTCSH OEP 116995 631993 GLENS FALLS NB C v*.. NbLTR _____________ CITY CO—OF 2363560 2363590 23o3cOl 2353790 2363750 2363910 2369180 2369375 2366600 2369690 T NY NY Fulton bZ Ib/Tb (JN PeStPVEi aOJUSTMcNT ENDICOTT LmROeN CITY ENDICOTT TRUST COMPANY LONG ISLAND TRUST COMPANY FIRST NAT BA OF GLEN HtAD FIRST NB UF GLENS FALLS 2363290 2363300 2363590 1NU LOCATION NAME 2362560 2362805 2362870 2362380 2362900 23629 10 2363230 AMtNOMENTS 1000S) 5j33 z9u5 9177 3709 Z9Z01 17z39 1 5609 26969 3266 1550 Z066 300o 12502 6695 1652 2061 j 15229 1 l95b 6969 35z6 37719 2089 zb06 j lbl 2a59 Z9Z3 ic / N 1 . •• / 1 / . -;1 zCb7 5615 9163 z.6651 63ol 2337 1117o5 151/35 i lc U1 lO6 Ju 1 5 1O3 •(. / OIF 175 855 65196 1U5393 5 /JS /« 93 lz9 /6 1’ 15 1 zo5 i 1 , - /^ Id. . 1 9 3 >6S 2507 1717 1 J68o -90S 1929 2001 61 7 7U1 155 2237 26oo 1017 35ob Jo05 5155 1o 2606 1167 5671 1 92o z275 z 068 27506 56352 1866 3307 z Oz 7 z63« 9 -,A / 9. P 1 .95 7 3599. oc EC' EFFECT BANKS MEMbER IOOOS) ($ DSb BUARD AMlNDMcNIS T BISMARCK ND 9380110 FIRST NbCTC OF bljMARuK bISMAROK 9380A00 QAKOTA NAT ok OF FARGO FARGO 9380910 Fargo NAT BANK C Tk CU FARGO 9380515 MtRCHNTS bK £. TR CL OF FARCOFAkuC ND NO NO ND ND NO 9380100 DAKOTA NORTHWESTERN Nb FIRST 9380550 bK NA BK C TR Co FaRgO ND NA-GRAND FORKS GRANu FORKS GF GRANu FORKS GRANO OH AKRuN EKRON NATIONAL OANK -1RST NATIUNAL BANK OF AKRJv AKRON LST NAT 01TY bK OF ALLIANCE ALLIANCE 9390033 9390080 •*390125 OH UH OH CENTRAL Nfc AT CA'*=R1CGt FIRST Nb OF CAMf lGOt FARMEkS Nb OF CanPIlLO CTRL TO OF NRTHLST-.N BK C TR Cl PtLPLES-MtRChANTb NA Dh haSTFk UNllcU NATIUNAL TRUST BANK CO IR B CITIZENS CMRCL BK i. 1FIRST NAT ok OF ";-gl- CO CTY CHARDON SAVINGS bANK -G FIRST Nt OF OHlLLiLuI-b CEN1RAL TRUST OOm-a\Y NA 9391290 9391290 9391310 9391510 5391520 5391530 bANKS 2261 20*9 1738 57 15 2 362 2215 90511 1193 2790 39b3 1551 2532 361655 688105 73591 1/562 18250 1713 815 1719 1599 68 5 6575 20753 2267 1913/ 38993 35 bU 16365 3955b 25/7 135 -553 1553 GtLINA CH OH OH Cel Ina Oh CHARS!/* uH Chillicothe OH OH COCanTon LING1NNAII CINCINNATI CINCINNATI GINGINNAT I C1NC1NNAT1 1077 867 99 2 1301 1/55 1150 5056 5705 5365 5250 99 6 697 1U31 1386 17/70 loo5 7 b7326 203999 35o991 199/17 119169 69 8 79 79957 57/63 67x9/ 7896/7 B969/6 OH Oh 1906o0 151377 1262618 /996705 Oh UH UH OH 1/25 3015 2050 5/33 3620 1/15 5/ 19 1699 2 7 36 2292 1653 3oi5 3179 /635 2150 /b 78 3/ 7 b 16357 059 1525 2 136 11301 1507b l9Gu ZG13 1939 750 2 195 1791 1605 26622 29067 51768 13971 7119 7250 15591 131u90 2015 773 <065 395 17b5 1139 1505 2050 .2050 1552 1093 608 1 55/ 2 190 193/ 568 1355 /6fc6 l36bl 1 55U5 5957 A377 1559 13/6 2558 2697 *.5/7 155 395 122/ 1551 5 5b9z 55915 3b756 50533 5t259 251A1 10391 9ul 1 50/92 lo963b 56191 2 39 62 6501 5297 57701 195751 loOO 1650 7 136 5 381 10068 659 1990 3715 2 591 /3b95 IOOOS) ,fF1LUIt DSB NAME 5391570 5391995 LOCATION NATIONAL CITY bank SOCIETY Nb OF CLEVELAI.g 5391730 C.URTLAND SAVINGS C CKNG 5391750 COShCCTON NATIONAL oANk 5391750 FIRST f,b LF COSHGGTGN 5392260 CO DAYTON OAYTON Cation DEFIANCE DtL.NnARE OOVtR EAST LIVE tLYRlA tLYRlA Elyria EUCLID 5393160 5393180 5393220 5393/65 pa\T,?^S " P0MACt HOClJlllf bU, vV1- HAMILTON IRONTLN * bf Tfrak rll, LEbANuN CITIZcNS LANCASTt CANGASIc LtoAN'lY NR H0NT1NGI0N MRS, N, Ji LIMA UMA 5393370 C^^NK^cX.hl LUK"J” bl\^ 5393380 5393500 LLRAIN NATIONAL ! ANN 5393o1g farmers SAVINGS AV, G0MA.^MU 5393860 citizens no of 5393720 n • ational CITY bk 5393770 FIRST No IN MASSI 5393830 ecu phoenix nb gp 5393950 CLtFMJ.NI NATIONAL 5395J90 FlkSI No OP MluLc 539-.170 1ST-KNOX N8 IN Ml 5395250 FIRST Nb LF Nt nA-. Rl: I |A ‘AR 1 t I I A I uN M AR i UN MASSILLO MtUi VA V*L )ukU MIaNpuE •MUCNT VI i NtnAr.K New RR DIF 70610 15952 038052 1152636 5 9 7 jO 20991 3 16U0 3951 193/9 10/lb 25933 299D2 513o7 7797/ 73556 190b 2008 600b 3b33 OH OH OH 1335 1/50 65/59 3/2350 319571 20bo 13055 OH OH OH 651355 55621 5/785 57o 6935 8655 15/89 2o726 1266 2 lul 951 OH OH OH 103/565 792515 670767 OH OH OH 50697 lb6679 OH 38553 Oh 92 5 673 2161 31*2 73 1 OH 189/61 227*52 Oh 105973 53951 63990 713/5 135739 OH jaCkgig ^ntken? T01RR 53661 539/780 F RS °F Fl Jt! lKU’n,N FIRST Nb UF JACKSON BAL o506< OH OH 5392951 17935 18/55 RES 67627 CDShUgTOA COSHOOTUK 1656369 VLTCSH 35536 38 2 53 30376 19732 CuLUMoUS CORILA.lD CO OEP oZ15/7o 8012 I199Q 2 7691 OH OH OH F 1N0LAY 539/270 OHIO BANK AND SAVIN CO FINDLAY 5392351 IKI-COUNTY NAT BANK PCSIURIA 53925/5 CKuGhan COLONIAL bank FREMONT 5392770 SECDNiNN r>< CG Gf MAMIl-TONhAMlLTuF *39/960 5393060 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis UH OH COL UMoUS COL uMoUS 5391890 FIRiT NATIONAL EAVK 5391910 third Ncctl of dayiuN 5391920 RIMERS No £. TR Cu 5391930 STATE bank AND TkuST 5391950 FIRST Nb LF DtL*nA1-c CJ 5392C50 PEOPLES NATIONAL bk Tk 00 539/080 FIRST Nb uf t LIVERPguL 5392190 ELYRIA SVG> 6 TFUSI NAT bK 539/195 FIRST Nb UF tLYRlA 1;°?*?? CTy SavinCS C TR EUCLID NATIONAL bANK FIRST NAT BK OF Flf.OiAY T CCtVELANI OLEVELANl OLEVELANl 5391500 0N1LN commerce Bank 5391560 CITY NbOTk GO OF CCLGMbUS 5391610 hUNTINOTON Nb OF OOLDMbUS 5391650 OHIO Nb UF COLUMBUS 5392200 *39/2/2 CD O 1906 <575 3155 //59 197R1 7596 59U3 255 3 309/ 26/2 3191 313/ lb53 1597 15571 10170 3/ 72 1761 35701 38 55o 897933 919977 UH CLL VtLAND CLtVcLAND LitVtLAND CO ($ 16/7 153b bl5 Canton PROVIDENT OANK SOUTHIRN OHIO bANK GAP IT AL NAI10NAL bANK CENTRAL Nb OF CLtV-LAND MEHBtR 2013 635 593 5263 30/2 94 00 Oh FIFTH THl«D bANK FIRST Nb OF 01N01NNAT 1 CLEVELAND TRUST 65777 517o7 5lb89 3615 22uo 206 7 f t'l II N CAMBRIDGE CAMbRlDGt lu5b l67u 2 72/ /Sub 2539 2 985 2 7/1 23/5 2275 3698 GANF1cLU CANTON OkY AN bORTCN OF or.YAN bURTL.N ASHTAbOLA 1831 659 59661 51 425 LlTlZtNS No FIRST Nfc OF tANK 5563 55Gb 9791b 57505 UH OH UH OH **39O7oO 9390890 9890910 9390530 **390930 9390995 5391020 5391030 5391050 5391105 5391120 5391130 9391160 9391200 9391230 *GRTheASTcRN OHlU NAT NEW RR 3595 5161 5/35 61501 71392 53027 BARNESVILLE dOWliNG GREEN AShiAbULA CO ToTpr 3566 26/5 37o2 OH OH OH *,350990 9390700 FIRST Nfc OF fcARNtiVlLLt HUNTINGTON bK OF AJOw CTY ASHLAND oK t Tr bAg 3957 50373 99331 85553 55825 -1RST NB OF -ARMfcKS NAT RES 92 0 770 399 103b OH OH OH ASHLANO 9390290 9390320 9390390 GROUPS I bib 93596 96169 7307 1 65133 9o/59 ND NO ND 9380910 FIRST NWtSTtRN Ne GF MANDAN MrNOAN 9380985 FIRST bANK OF ND NA MlNuT M1NUT 9380990 FIRST NAT BK IN MINOT MINOT VLTCSH DtP NO FORKS F/15/78 ON kEStkVES ALJUSTMENT FOR AFFILIATE LOCATION NAME 93aD520 FIRgT NAT 9380598 1ST OK OF (NO OH OH OH OH OH OH Oh uh UH 6fcA70 73 761 71180 56115 9955/ 5 89 39 96239 35379 100386 UH 98909 UH 99lU9 UH UH 1895U6 OH UH OH On 5b3oC lul9J/ CM /9„h9 OH UH lG9703 OH 9U3 1 8 91:597 7 1 Shu 159316 c5o55 12395 56*65 9 lelo 9/373 59635 3292 51<u2 3<58 1993 15/3 2696 199/9 21099 1DO< 16990 1 68**5 51015 3367 1 6b6 33329 1191 2553 3126 309 91/ 3208 3190 195 6387 9/9 3512 9127 <35o 9999 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OH NILES Oh FIRST NATIONAL LAKE CTY N3 OF ORRV ILLE cANK FAlNcSVlLLt LAKESHORE TRUST COMPANY MIAMI CITIZENS NB L TR CO FIRST Nb uF MANSFIiLO N8 OF PORTSMOUTH SECURITY CENTRAL NAT BANK FIRST NB 6 TO OF RAVENNA SECOND No OF RAVEN-.A 4395203 CENTRAL TkUST COMPANY 4395365 BELMONT CTY NB 4395420 FARMcRS Nb OF SALtM 4395430 FIRST Nb OF SALEM 4395450 CITIZENS BANKING COMPANY 4395460 third nb of sanouSky 4395470 wtSTtRN SECURITY BANK 4395610 CITIZENS BAUGHMAN NAl aK 4395780 FIRST No UF SPRlNGricfJ 4395740 4395742 4395775 4395610 4395640 4345910 43959-0 4396005 T LCCAT ION NAME OSO 4394270 4394530 4394586 4394600 4394630 4394720 4394630 4394631 (» NukThwOOO OH NCRWALK OBERLIN CH OH OH PAlNcSVlLLc PAlNtSVlLLE OH P10GA PLYMOUTH PORTSMOUTH OH OH UH POkTSMUUTH OH UH Oh RAVtNNA RAVENNA UH OH Kt YNOLLSBURG ST CLA1RSV1LLE SALtM SALEM SANOUSKY SANUUSKY UH Oh OH OH OH SANOUSKY OH SIDNEY SPRINGFIELD UH OH OH OH SPGFLD SPRINGFIELD SPRINGFIELD STtOBtNVlLLE SltUUtNVlLLE UNION SVNuS BK C Tk 00 STUNY KlOGE 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TR ST1LlWA 10403367 bANK OF OKLAHOMA T UL SA 10403360 FIRST NAT ok <. |r Ur I JL SA TuLSA 10403390 fourth nat bk up iuu.» luL SA 10403393 GUARANTY NATIONAL -jmN 1 GL SA 10403425 OTICa NaTIuNAL ck\k L https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 79593 58011 672 19 54433 76680 7002 3 2446 3837 0 603 2497 1364 Olr kR (* lOOOSJ 6OARU AMENDMENTS 0SB 203612 4970c 93294 77097 55967 4436 1240 1347 6182 2195 3576 1226 1216 1431 5012 3196 lo80 2513 lc453 5544 1440 B017 4304 1195 3360 1271 308c 3328 1417 671 2558 991 12646 10224 Nt w 1 UT KK 7uj9 3750 403 272c4oO 1259 259211 105378 65637 356772 OH bAL 3ob9 152 b c28b 716 62 1 1073 203999 54192 79367 OH UH ORUuPS) 161756 -o9bd 114179 73672 41332 53053 40763 167596 547c6 395710 368762 577244 78507 3354b 60814 55o2b Ibc2o7 OH OH OH OH RES VLTCSH OEP 106601 109617 50667 OH OH UH OH Oh b/15/76 AFFlLlATt Ik Cu Tulsa OH OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK LK OK OK OK OK UK B3010 59421 62326 7037b 143773 44892 97819 95493 58669 65cO0 57120 79958 52791 42199 46617 54691 75227 7904 b Il41b2 324043 bo7&95 46941 740191 5o470 1761 2651 4612 353 1012 2366 2325 2721 369 1207 39 7 3299 10347 694 1042 7lO 4337 3274 438 743 693 402 1973 633 752 4b 1 505 691 1843 23o4 515 3474 6b4 1949 2392 C320 2494 231b 2107 371 1972 1660 3b 736 2341 3063 56866 45o 7138 7-1 / OK 665 lo 1 664066 C£-66- UK UK It 1617 Ok 9c ?4b 04c COM 19c 9 1796 655 260 75 635 2 19 3162 2574 2290 403 44b 36c 795 1861 cl57 2292 2 600 31833 c460 c 37o 9cl5 c 1 7b4 90 217o7 cl05 16423 1159 978 4o7 1046 2563 3c37 3 £.09 2509 2344 2605 1468 2 346 1 /74 2117 1C43 2 8c 9 4316 3102 2753 3cb7 108 74 47a UK UK OK 2-65 4713 22 84 5663 20069 58117 2195 656 354 2359 2282 1103 6041 162 1926 2674 3595 594c7 90667 7Oo37 1 360 36c 1055 366c 11554 2896 5081 394O 63c99 96560 52 lo9 3887 3443 4974 18c46 50813 OK OK UK 2O£:7 1922 3134 OK Lk 2585 355b O £ IbO 30602 8 i 64c lc41 8 1 850 C c 08 40cl0 3005 8541 8004 c 1 26 34 77 4 799 22>9 . 6 lb c9o 63 1 1379 1C 87735 64 cuulo 84-59 c < 7a3 1 5-u5 6157 . . id 35 llA -£ 5-31 3105 2516 2447 2493 c597 1 O8C 2 64 6 3cc0 2247 2 534 1 7723 lo JC4 7t4fe c 135 4:01 ZD co https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis e/15/78 tFFLOT CN RtStRVES bOARD AMENDMENTS (NO ADJUSTMENT FOR AFFILlAlt MEMbER BANKS (J 10COS) T LOCATION DSB 12*10363 CRATER NATIONAL bANK 12*10520 FIkST NAT BANK CF U-.tOON KtOFORO PUR TLANO 12*105b0 ONlTtO STATES NAlluNAL ol 12*10592 DOUGLAS NATIONAL oANK PUKTLAND RoStboRG 3*20075 FIRST NAT BK OF AELlNTOWN 3*20099 HERCKANTS NB CF ALLENTOWN 3*2020* PHILADELPHIA NATIONAL BANK 3*20327 CtNTRAL-PENN NATIONAL BANK 3*20326 FIRS! 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Or MARYVILLE 15 TN IN KcMKHiS IN TN TN mtMPH1 sMlKPH KcMPnlS mimPmIS t AN-,«lMPHI 3 Hl-.f-u LIY MUR F ntfcSBOF.O NaIJi-Nal 6472060 Commerce ONION U7 6472085 FlnSI AMEkICaN N«IJjNaL 1593 1901 8 9 77 15405 1775 7265 61774 61097 46639 94365 8471860 FIRST IN BK NA FuM.-mIC 6471B7O NATIONAL oANK UF C,M>t-CE 8471687 UNITtO AM bK IN *n-P»-l_ 752 1 1986 1 762 6049 32 2 9201 4b521 75920 jaCksun BAL 442077 45360 TN TN TN TN TN FAYtllcvluLt HAkPeTh Nb OF FkANKLlN FIRST Nb OF GRfctNEVlLLi. FIkST NAT BK OF JALKSuN NB UF COMMERCE UF JACKSUN RES TN UNION Nb OF NASHVILLE bAN\.NAj ,,V 1 llE IN IN IN IN 80150 01817 l/o7ol 4 681o 355658 52454 6 1664 61539 10472lu 464680 32 J 72 737562 60155 2*56 295 CO 03 34626 60494 3019U 232 62b 1116 106 4012 906 6188 3139 2377 30 31 40 112 8210 2 137 2034 2254 2 160 2074 2366 11164 60 8 9 30jB 19446 13303 1 4667 66 11 2 32 2 2697 161 8 2146 23534 2097 16466 3967 9165 7000 1494 2224 1379 2231 2943 247b 2400 1536 1249 2220 2 143 2 580 4620 3679 3829 19 469 loO 1600 117b 665 bill 22lU 5810 7*7 2 040 7 36 13273 lu)51 2 946 19063 1 2 004 104 2 9 7/9 18 790 2954 3051 4779 413b 2714 2 171 2 136 2092 3973 3434 1U99 OC2 JO 3 2j47 5 12493 1 1543 1675 2 2 41 OIF 16534 2247 3944 9 70 J6 J :009 9327 553 20 260 159 0 343 975 1915b 2o6U 2342 3546 NEW RR 2871 3273 2 90 7 16ol 2 16 399/9 10793 1402 2260 TuTRR 1595 19ol 1870 1767 2562 737 719 13651 19499 b/15/7o TN TN 6470910 6470950 6471080 6471260 8471270 2929 2076 3120 30b2 GROUPS) 526 TN IN 3514 3053 5172b FIRST NAT 3K UF LRuSSVlLLt GkUSSVILLE FIRST CITIZENS NATIONAL tANKOYEKStURG https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 2jj3 so 6470640 8470810 8471890 UNION PL AN I (KS 6472037 CMMnC UN cK OF 92 1 1809 WATeRTUwN 1545 1276 1312 1037 20olo 7112 10 ISo 3960 28092 7 122929 59b56 53174 640 18 o7723 2 166 1295 1539 198 491 Obobb 4 1066 63 67 1 30674 so so CLAkkSVIGLE 2236 2822 234 1 so TN CLAkKSVlLLt -159 11 S1UGX FALLS SIOUX FALLS Sioux falls OhaIIANLGGaCHATTANUOGA 2593 2 49 7 194 J 1309 5e8 771 2100 39 7 16032 4923 75o5 1309 1303 z7oG 4253 15871 11047 4437 1557 162 0 su 2oOo 2290 6101 7cU53 4 5u26 40615 £6781 461 4526 28 j3 2937b 1443 046 2937 1294 3785 69993 4090 3 21-54 14202 1213 1066 361 423 2833 4o076 TN TN TN uf 3935 2362 869 29098 647u470 COtVfcLANO NATIONAL oANk CLEVELAND 6470535 FIRST FARMcRS (. MERCHANTS NcLOLUMblA 6470560 FIRST TN BANK NA GUOKtVlLLt CuOKcVlLLE nb 9011 18976 270396 76599 8K UF 2642 2 0969 7553 5511 4539 3915 10ua2 1836 357> 2256 1174 765 6470380 AMcRICAN NAT BANK AND TR CO CHATTANOOGA 64703b5 COMMERCE UN bK CHAT IANUJGA CHA ITANUOGA 64703B8 1069 EFFtCl ON RfcStRVfcS BOARD AMENDMENTS INU AbJUsTMtNT FOR AFFILIATE I* IOOOS) DSB sc sc sc sc sc sc sc 391 OIF Kk 5993 4 79 2651 2993 2 740 2246 2401 2212 2474 2318 3020 2>0i 2944 4156 24 6 7 6419 2*22 59 2 757 2U2 79 lo5b 1 3 108 26420 3902 2*73 16U3 9u t u 2 5 fc 24924 *U8 3 45 3 / 0 4 7otb 1 0640 lu Ju 35c5 / 1 32 4 34oo0 3792 7 c >66 4**59 56/17 92 2. 74 2 79 JU 429J1 11 5, 9 2 363 2299 2883 12 j/0 6/84 305 j 9 /2 1 137oo CO https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis EFFECT MEMbcR <$ BANKS OUAKU AMENDMENTS lOo-Sl T LUuAT 1LN NAME OSb TN NASHVILLE NASHV iLLt PULASKI FIRST NAT uANK LP pclA'_K1 OLD ANO THIRD NATl-'.-L cANK UNION CITY THIRD NAT 6K IN NASHVILLE UNITtU AMER bK d NaShyILLE 6472100 6472102 6472290 84726 10 11460020 CITIZENS NAI 11460030 FIRST FIRST ALAMO L146C035 L1460D55 11460070 bK IN AblLcNE IN IN TN AblLENE AclLuNt ALAMO MuHTS ALICE NATIONAL bANK ALICE AMARILLO NAT10NAL BANK AMARILLO AMtRICAN NAT bK LF AMARILLO mMarIlLO 11480140 11480150 11480160 114o0265 11480330 11480340 FIRST NAT IN El-, bK 1148 1 760 11431477 11481587 oATlONAL FIRST NAT 6K CITIZtNS NAT CORSICANA UALLAS 14262 3744 2 126 2364 4370 3305 3413 1762 2420 6708 3442 0363 2932 7560 11645 4896 11003 z4il 8344 5687 LALLAS lALLAS DALLAS 3241 <64 1 24,0 847 O 14723H 117441 3660 2403 241 7 6516 61111 42443 71660 425o OtfcO 2 7o3 6275 8354 zCb5 2 064 74446 2239 157770 236930 51ol2 74123 t8c22 26645 1141652 UaLLAS OC 6, 45 3006 66492 41314 2425545 76077 DALLAS (i lOOOS) MEMBER BANKS 663 77 55 64444 51047 CLRFUS ChRISTI CuMMuNwealtH NaTIuNAL uANK DALLAS NAT OANK IN OALLAS 11481949 FlkST NAT BANK IN uALLAS 11482020 114b2065 NORTHPARK NAT bANK 11462070 MERCANTILE NAT EK AT UALLAS 34704 4612 2205 2439 56640 orUaNSYILLE IR L iA 1602 1912 46466 Il4z51 8RE NHAM OF CorSIL,'»A 6K OF uALLAS 52 7 39o01 3714 OIF RR 59220 GrUkNSVILLE GUARANTY 56107 696 o03 Nc w TuTRR 74204 PAN AMtRICAN DANK b<YA.N CITY NAT SANK OF uRYAN LLloUFNc FIRST NAT OANK IN In" .Nt C LiNRot FIRST NAT oANK IN CUN'CORPUS CHRISTI 11481731 CORPUS ChrISTI bANK ANj Ir CORPUS ChrISTI NATIONAL oANkCORPUS ChRISII 11481740 11481746 9165 bAL 174360 2OB530 biu SPRING ulG SPRING S-'l’.u bK OF tl» $'• - 1 NO oAN.K OF ERiN-AM oK AT oRowNsVlLtE STATE NAT FIRST NAT FIRST NAT bc9676 lulo31 52077 RES 461050 361543 339491 AUSTIN AUSTIN NATIONAL tANK AUSTIN 11480350 CAPITAL NAT BANK IN ,>0-1 IN ausTin 11460370 CITY NAT bANK OF AUSTIN fc AY CITY 11480510 FIRST NAT dK OF cAY ClIY CITIZENS NATIONAL ot ANO TR bAYTUwN 11460515 AMERICAN NAT dk OF oeA-MUNT lLAuMONT 11480530 FIRST SECURITY Na T I An ANKueAUM-NT 11460540 FIrST STATE bK IF oiLlAlPt ctLLAlRE 11430640 1148u70U 11480910 114OG490 11481000 11461030 11461585 11431640 VLTCSH DtP GROUPS I 138366 367104 65246 227565 FIRST Nb OF AMARILLO AMARILLO FIRST NAT RANK IN A-Lu.OTSN ARLINGTON AMcRICAN NAT bANK Or AUSTIN AUSTIN 11480845 FUR AFFlLlATt 152825 157509 170215 3o739 61046 263379 AblLcNE NAt BANK OF AnlLcNt STATt BANK HtloHlS NATIONAL bK 6/15/78 LN RtStKVtS (NO ADJUSTMENT OO.RL A"t»D-<t«Tr«GT»“:u^Slt^“ljR »FF.ILlaIt b/15/76 OSB NAME LOCATION T 11482C60 NAT 114621U0 11482118 UN bK OF COMMERCE oF NAT cu DALLAS CaLLAS cAf.„ national 11462120 /iJfz L TkU51 COMPANY OALLAS ll46z220 s!I!f natN*T bK LF -enIson 11482230 STATE NAT oANK OF DlNISoN DENISON 114622 40 uNTONucNTON 11482400 FIRST NAT ok OF eAuLc F PASS cAOLc PASS 11482552 OANK LF EL PASO 11482560 EL FASO NATIONAL OANK 11482565 FIRST CITY No OF EL PASO 11482570 STATE NAT OK OF fc t PAiu 1148282b CITY NATIUNAL bANK 11462830 CONTINENTAL Nb OF FT WOK Tm Il4b2o40 11402845 11482650 FIRST NAT bK OF FCRT WORTH bANK el Paso EL EL PASO PASO CL PASO FORT WORTH FLrI {. . R Th TRUST FORT WURTH FcrI wORTh FCRT WURTH FORT WORTH NATIONAL hank na i - • FORT WORTH ’pS 11462950 t|t<J ?tfcPUPT PHONAL bANKFRt 11483020 MOODY NA^w^nf 5fcAL¥ <AT fcK^L^STuN 114o3035 11463040 11483063 114O3400 11433550 RES fcAL TLTRR 226002 253140b 66059 355697 53511 507U6 X‘.’,Z£ 11483682 LONG POINT "H"’—< 11463065 11483909 MACGRtCLR FePOclIC UF No Park hl,-SUN n„iu. NATIONAL t A NaH.nal U4M-SA NAllONAL CANK HcNUERSGN HUOSTuN HOUSTON HUGST UN HOUSTON HLUSlLN Houston HUUSTLN lEAAS COMM:Rl.E b- ,K NA 11464020 FIRST NAT UK UF Hv.NlSVJLlt 11464340 FIRST NAT SANK (c KtnRVlLLt 11484360 ^InST NaTIgNAl fc a 11464370 FPj| HARLINGEN HARRIS COUNTY HuUSTLN HUS S IUN n-uS I uN SANKhLU-T LN SOUTHERN NAT bAN- KLeEERu NtW RR OIF 6146 66225 lOOo 6639 74054 96 60 6 966 2350 2137 402 402 54175 115 67 627 15574 44229 63220 413410 113599 394806 3156 15619 54056 331425 738793 47626 696227 49045 115110 59992 11463789 OANK OF THE SOUTHWEST NA 11483746 CAPITAL NATIONAL cA.'.a 11463815 FIrST CITY NS tF hCOST-N 11483630 GUARANTY NATIUNAL OANK 11483337 1ST INTRNTl cK IN nuSlN NA 114o367O HOUSTON NATIONAL jaNk 11483661 LOCKwUOD N* T JUNAL cANK 11464520 VLTCSH RANK HOuSTuN Hues I UN *»N1SVlLLc KlrrVIlLc K i I L eCN ►. HLLfc lwMlSA 44001 67-77 2077 21777 25 3125 2581 3G66 2362 163 41o 371 33oua 36636 365442 511o7o t j714 53ule 6407 2093 506 36695 47a 61736 46251 I019o27 340793 2607906 2694 2142 2375 0727 265 7 7962 16487 12 2226 60598 45733 3156 1021 9559 26414 663 lofcO 2496 103135 o7570 11483560 11483576 FIRST NAT BK OF STAFFORD 11493650 ClUZfcNS No GF HENutRSLN 11483788 OANK OF HOUSTON 11463918 11463926 DtP OALLaSOaLLaS 3766 2799 19o5 2949 2497 2057 2966 2070 9159 91927 25705 9432 84631 112 12UO5 2 0311 6910 13542 1926 1377 2611 5o66U 94C ?2 2 46 221430 61U 2 176 2 606 775 20624 7o 67.24 3044 6 744 54ol 7 79264 7-422 5o 655 z4U6 247u 62659 7 34 J 4 4 7-43 53030 • I26 77y 34 J 1 2 73 23E 2 5 73 2 c54 CO 6/15/76 EFFECT bCARu AMENDMENTS LUCATION llA8*bsO LAREDO NATIONAL BANK H8c8590 UNION NAT SANK OF LAFcDD 118686 10 FIRST NAT oANK. OF LuNGVltW Il8o86z0 LONGVlE" NATIONAL bANK FIkST NAT DANK AT LUaoUCK 118680*0 11888900 LUBBOCK NATIONAL b*NK PLAINS NAT bANK CF LUboUCK 11868905 118689U8 TtXAS COMMERCE bANK NA LUFKIN NATIONAL bANK FIRST NAT BANK DF ko ALLtN FIRST NAT BANK DF MARSHALL ll8b3O80 11883636 NASSAU BAY NATIONAL bANK 11883793 NORTHEAST No OF Fok I w„P.TH 11863610 firsi nat ok of Odessa 11883823 NATIONAL DANK OF ODESSA 118e3o28 STATE NATIONAL bANK FIRST CITY NAT 6k LF L-ANDfc 11863660 FIRST NAT BANK IN PAMPA 1.886030 LuNGVltW LObbDCK PASADENA NATIONAL b~N\ DSB ALLEN 11867770 11867760 NAT 6ANK TtXARKANA NATIONAL 11887950 11887960 CITIZENS 11867970 II868O0O 11868068 11886090 11886110 11866120 FIRST NAT RICHLAND HILLS bK LF 53578 119652 PASAGcNA lz57O6 39663 1ac297 269891 180896 102367 53003 33736 77886 7j8z93 83a93 39881 3151o8 TX TX 126812 IX TX 81381 79602 TX TX TX 838 1 5 80z85 39686 78075 TX T VtRNDN tylcR VtRNDN 1U3867 CD 198137 186109 87079 FALLS 1 7 35*»6 222201 SOUTH SALT LAKt 86628 92396 1 1810z7 169J89 183386 567995 761838 212513 1500150 VERMONT NATIONAL 1500710 FIRST N6 DF bRAT TLtbURO WASHINGTON COUNTY N-I a:INGODN 3 AS St IT 0 551C6-.5 PltuMOM I tk.huSAPt AKt 5310780 5510730 FlutLllY A- CK NA _JLr_PPcK ScCDNu No UF LOL-uPlk https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis can- 1ozGoG 38Z97 -< 5510190 FIRST Na I 3., GF = AS T l ' 5510890 National dank anu l-c‘l 5 6 10338 HOST L M.;K Nt, , u , ,J. „ T-USI BAL 6/13/76 TOTRR 2b37 8673 6562 9153 5611 LhaaiLTTcSVILLE >^PcPcR k-l I ns v 111t cu.PEpck 8Oo95 88J97 233392 lu/©87 97797 83o3j 8371 3 RR DIF 885 2160 2812 2o95 3e26 375e 8738 5395 8335 2596 lu58o 17938 15 3929 10188 2 563 8637 7618 11519 6u85 2166 8960 36z5 10886 lu 091 1375 3391 88605 7866 7155 28065 36 3 86 7138 5819 1359 NtW 1876 6A.,K SPRINCFltLC SpRINGFIcLD 5510020 RES 33386 152601 251380 hACG WtATritRPGRu WlLHllA FaiiK WlCHljA VLTCSH 56189 12890190 FIRST NAT BK OF LOGAN LLGAN 12890270 bank DF UTAH 12890^90 c^nNSNTUK17V °K °F L7Ah NA0^tN 1289U800 CDNTINcNTal dank ANu Ik CO SALT LAKE CITY 1289083U TRACY COLLINS 6K ANu TR CD SALT LAKE CITY 12890870 WALKER EANK ANO TR CD SALT LAKE CITY 1;; 12890875 210NS fust nail dank TkuST DEP 96O0D 130267 1515z2 I YL c K victorIJC1<t7AibAnbf‘AL baNkVIC>UR1A f , 1 VlCTuRlA LJJ^LNS NAI OANK CF WACO „ACU AND 81301 58698 OkANLE pAMr-A CIt!? VALLEY BANK 33609 61687 Luc ESA TyLER nK ,N^I0NAL °A‘,X *ACtJ 11886210 C^y L 1? LF ”r 11866800 CITY Nb IN WICHITA PALIS 11866810 IRSI-WIChiTA NAlluNAL DANK 12890895 1U9173 DOtSsA DoESSA 11 RRt LL T ERRELL oANK TtXARKANA ^pCES NAT bANK cP'TYLtR TYttR bank t trust cd WAGGONER NAT 57135 66903 88682 68726 NASSAU BAY LOCATION DROOPS) 36180 8Z8706 166833 EFFtLT ON RtSERVES bDARD AMENDMENTS (NO ADJUSTMENT FDR NAME AFFILIATE 7vb79 110336 528b7 LDFKlN 10C0S) ulF NtW RR TOTRR EAL 183o60 LGoduCK N RtS 276669 73339 LUbbGCK LOBdUCK MC VLTCSH 7a 166 69319 316760 LuNGVlcW 118o6073 FIRST NAT oK OF PGP I A-ThuK FuRl AklHUR Il8862o0 CENTRAL No DF SAN aVjcII SAN ANGcLU 118o6bo0 FIRST NAT BANK CF SAN ANLtLDSAN ANotLO 11866690 SAN ANGtLO No OF SAN A.„tlu jAN ANOlLD 118869 GO AlAMU NATIONAL BANK SAN ANTONIO 11866910 BEXAR CTY NO OF SAN ANluNlO SAN ANTuNlU 11866930 DKOmDaAY NAl IONAL DANK SAN ANlOMU 11866933 b^CLKS FLO N3 CF A.ICNlbuAN AidCNlU 11806933 CITIZENS Nb OF SAN AN1.-N1U SAN ANTONIO 11886937 FIRST NAT DK OF SAN ANluNlU S«N ANTONIO 11866960 ANluNlO SAN ANTONIO 11806370 FROST NAI oK OF ANljMU SAN ANTONIO Il88o996 KELLY FLO No OF SaN jr-.. — - . — - - — 11806996 MAIN BANK ANu TROjI T0N1US-N ANTUN10 11867010 No DF CO-MMRCfe DF SAN a SAN ANTbNlD 11987020 NB OF FORT Sam hdusIuN iAN ANTONIO 11867080 WINDSOR PARK BANK NA ShcRMANMckCHANTS ANu PLmNTiKS r.o 11867330 SNYLicR 11887830 SNYDER NATIONAL bAN* SULPHUR SPRINGS AN* 118o7680 IEMPLt .c 11887780 1tMPLt 11867730 TtMPLc NATIONAL BANK (S DROOPS) 236367 o7633 LAktOU L Ak t DO 118O9980 MARSHALL 11865160 MARoHALL 11865170 MARSHALL NATIONAL bANK MIDLANU FIRST NAT DANK OF MIDLAND ll8b5390 MluCANU 11963800 THE MIDLAND NATIONAL oANK McUNl pLtASANT FIRST Nb IN MOUNT FotA.ANT 11863370 STONE FORT Na OF NA u C OuOCH t SN AO l.GLXjC HE S MEMBER BANKS FUR AFFILIATE IOLOS) DSb 11989980 aESERVES 001 I» MEMBER bANKS CN C NO ADJUSTMENT bOGz 21 78 9 5zG< 7369 6559 8860 2 1 59 5u86 5522 EFFECT MEMBER BANKS BOARD AMENDMENTS IOOOS) <* ( NU NAI oK OF VA VA VA VA VA FFtDERlCKSBURG FREDer JCkSBO-.G OkUNCY NATIUNAL BANK CLO PT No OF PhOebUS 5511350 ROCKINGHAM NATIONAL BANK 5511520 PEOPLES Nb UF LEESBURG 55116*5 FI0LL11Y AMERICAN BANK NA 5511630 ONITcO VA BK / FlkSI NaI OF MARlINVlLLE 5511790 FIRSI No 5511950 OOMINluN No LF TlDLwAltK OkONuY HAMPTON HARRISONBURG VA VA LLtSfcURC LYNCHBURG VA VA LYNChbURG VA VA VA VA VA NORFOLK 5511983 UNITED VA BK/SEAeGAKL NAT NjRFULK 55119ob VIRGINIA NATIONAL BANK FIDELITY AM BK NA II gEwATcK PORTSMOUTH 5512165 RICHMUND 5512395 BANK OF VIRGINIA Richmond 551*350 Central nat bK of rickmcNu RICHMOND 5512365 DOMINION NB OF RICHMOND VA VA VA VA VA 5512370 5512375 5512910 5512930 5512990 5512960 551*46* 5512969 5512500 5512630 5512653 5512655 551*748 5512850 551*904 FlkSlCMEkCHANTS NB FlkSI VIRGINIA bK-COLONIAL klCHMuNb RICHMOND SOUTHERN BANK ANg TrUSI CU UNITED VIRGINIA BANK VIRGINIA NA I bANK/rtIvHXOND FIRST NAT EXCHANGE bK COLON 1AL-AMtR1CAN NAT BK RICHMOND RICHMOND RICHMOND RIANOKfc RuANOKE COUNTY FIRSI VA BK OF kUANOKE VLY PEOPLES NATIONAL BANK SOUTH BOSTON BCTC RoOkY MOUNT ALEXANDRIA NAT cK OF N VA NORTHERN VIRGINIA BANK SPRINGFIELD s[kINcF1tLD 5512911 551*990 5512975 UNITED VIRGINIA fcANw-f.tT VlcNNA FAUCOltR Nb OF WAkScNTcN xARkcNlDN DOMINION NATIONAL BANK WASHlNGlUN OTY UNITtD VA OK OF WILL 1 a'-SbcROw 1 L L 1 AM SBURO VA VA VA FARMERS WINCHESTER VA Winchester VA VA VA 5513050 5513070 55130b0 5513101 5513195 FIRST bank CAN-.. VIRGINIA of Tazewell DOMINION NB OF A NLP.TFi.rN NaT VA VA cK 131765 1 19398 369212 1739573 109692 522515 3U7596 103610 1017912 5 1922 1 73*60 7*560* 6*252 773679 168*92 1191 *99 6698 2 507 3*91 2879 11519 90509 9*12 6996 997w 1 730 1 6b89 1->u7 2633 8w58 729 7361 3337 VA VA 69619 09652 1 A9U96 61*69 VA 63*09 1*5119 TUTRR bAL 1*03 1739 9698 187b5 1675 2bl3 a77b 7*39 *6699 1995 3*01 21*3 2259 *907 807 1097 9 129 5315 1719 17655 6057 5503 6379 1970 11007 3550 2*52 3500 11686 59 3*6 1319 23907 99b3u 5526 *9732 1559o 6*5 2 16*06 11 1*2 95*2 93925 10*o 5 9 30 *8o*0 2o99 3300B 5699 oue is *935 b563 3707o 36* 3 9 036Y 6961 *2*3 1591 1093 965 757 5aO9 90o9 3069 3996 617 1059 9979 10373 956059 39999 GRUUPs) RES 1130 0*6 879 51319 9G277 375ol 135153 127026 9776a 5c* 2 * 136353 VA VA COUNTY 7b59 1232 1756 1316 1207 97292 VA VA VA VA COUNIY VlcNNA WISE CUUNTY NATIONAL BANK WISE FE.M NAT bK OF THE PtNlNJULA YORK MEMBER bANKS VA STkASoURO taze«ell no valley VA OUSTUN SCUIh county C MERCHANTS Shenandoah N wUANDKt VA VA VA 1610 2099 *59 1 11116* 35965 369119 119991 VA MARlINVlLLE NORFOLK VLTCSH 61397 7 o916 130599 9395*3 56506 01679 95397 VA 5510770 AR NAl BKLTR CO CF DANVILLE uANVlLLt OANVlLLt 5510600 FIkSI NAl BANK OF UANVlLLt FAIRFAX CTY 5510940 NATIONAL BANK CF FAIRFAX FIRST VIRGINIA bANK FAIRFAX CTY 5510999 5511050 FARMERS C MERCHANTS STATE bxFkc01kiCKSauRG 55111*0 55112&5 5511320 OtP T LECATION OSb b/15/7b CN RESERVES AOJUSTMtNT FOk AFFILIATE 18*16 1573 2951 lbb9 9*69 993 955 9550 1069 2B*9 3217 OIF RR 1474 1339 242b 5865 19205 1177 1350 1374 7439 1730 1600 2094 2012 14U1 29 24* 3395 51 16246 3oO 1 411b 3546 14902 19*0 1663 1A09 2256 1405 262b t505 *6651 *301 32^i> 13142 3709 48536 251 3l*3 2454 *543 12*78 2164 56 36 *9657 1360 3133* 640* *9*5 7*2 1 22c3 9037 *579 62* 3U4 99 5843 580* *8 6* 5 6249 it g1 1*6? 1 537 1535 1730 1975 2 1636 737o 7532 *U0B *379 9 *.63 26569 13b6 1315 99b9 35o 1329 1671 2969 NE W 1609 1749 32 14 4313 24*76 2o 857 1164 4103 370 1931 3780 3560 7**b *012 3764 7767 1905 *923 *39o 31*5 *442 2697 2775 667 4992 (J IOOOS) — >FFU]<it tw 6/15/78 DSB NAME LOCATION T 12530050 “‘-‘•uxr.GHA.M NATIONAL 12530651 PACIFIC Nb OF WASH!' 12530660 peoples nat bank oh 12530667 RAINlfcK NATILNAL BAf 12530670 SEATTLE-FIRST NATTG* 12530680 125309o0 BELLINGHAM WA Seattle WA WA SeA I TLt StAitee SEATTLE TRUST AND S/ PlfcST No IN SPOKANc WA WA Seattle k BKSfcAlTLE WA WA Spokane 12530990 CLO No OF WASHINGTON 12531060 PUGEI SUgNg NATIONAL 12531170 BAKER buYER Nb WALLA SPOKANE Tacoma WALLA WALLA - ------------ ~ wccruei NAiJcNAL 5590070 RALEIGH COUNTY Bank NAl bK ot,„ 5590120 5590130 559C170 CENTRAL Nb UF BUCKHANNON 5590230 Charleston national bank 5590235 LITY NAI BK OF CHAftLLSljN 5590*90 KANAWHA bK L ir cd NA 5590250 KANAWHA VALLEY bANK NA udCk CnAh CHAR Char CHA Char 5590260 ^PIkE* Nb CHRf ChAKLt^tNCHA 5590*90 CLAP.KSrbKC 55903..0 UNION No CF CLARKSBURG CLAf 5590390 CITIZENS Nn OF ELKINS LCKJ 55909*0 city Nb of Fairmont FaIF 55909*5 5590930 5590620 FIRST Nb In FAIrMCNT FIRST HUNTINGTON .Nb 55906^0 GUARANTY Nb OF HUNT J Ng) HCNTINGTDN TR {. SVGS 5590730 national bk of lc ,a.n 5590620 CLu Nb UF MART INSc.h,. 5590930 FIRST N- gF MURGANIk kN 5591060 PARkehSBUwg NATILNAL fc. 5590ob5 5591060 ONI UN TkuST NATIC 5591200 PR 1 Net TON cANK AN 1 - G. I 55913*0 BANK GF ST ALBANS 5591570 MCCuwtLL LlY NAI ,< 9591650 FIRST Na t Ik Cc 4541&7Q Half DOLLAR TR c 9591680 SECcklTY NAT bK t https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis M F Air HcNl MUNI HUN I Li <,a '■•Arc I MOmC P Ar-. K P»«K CL -KIN S I clLINGw. I-7sl 'eU A OEP 71375 1005688 VLTCSH RES bAL 1301 2699 93 7993 2316452 Ib3o9 170*1 3i>3l5 36990 90233 103568 40A496* 344774 69.597 1 79553 6313 l33<* 15250 11 769 12227 2033 29037 12717 WA 59830 7o3oib WA WA 456blb 67700 W'V 117526 WV WV WV 119319 s'b3 2 711 TOTRR new RR *200 59629 l066 ^5152 57<59 I938o3 *939u0 9763b 105969 18*263 16590 159o5 3367 1367 *‘*-:°7 3boo3 *9981 2*06b lb!3 3b7*» OIF 2 j39 9o?7 9619 37919 61637 3055 2 000 5629 2913 2061 1559 23o3 3781 5390 3 536 1961 5919 3359 Iu3a?3 752 1708 9g79 * 159 1 6bG WV WV WV 733 l*9o 5050 751 *907 5*5 bo 15 *669 1 5u9 WV WV wV *590ao 11069* 1061 3601 3*59 6o53 1698 55*7 5576 20*9 11703 3765 2199 96629 *ulD7* 53672 13o932 A32 7 3ooo 5bl96 193729 539 WV WV WV wv WV wv wv wv wv wv wv wv wv wv WV WV wv wv wv wv 6966b 9o9*5 5o979 5*906 79695 1350j7 66938 57609 6963 9 9719b Ig/125 109* 7 7 99690 753* 7 56961 51157 5 7909 95o90 6971 7 1690 al o 909 598 lblo *199 1997 1057 1*73 1935 112 7 2*6* 699 6* 1 705 1*66 1319 94 A lo09 9593 2506 *00* 5569 1*16 2195 2999 o9oo 13199 57o5 *59 1 7*59 *099 *599 *171 397 3636 1G137 3199 7cO 501* 152 3617 955 31 2973 I too 4O9J 9916 *079 *6Su *38c 1*3 3659 b9a 95b7 2 780 *333 5b9C *b6* 390 37jb 1573 1 oOl 9999 3196 1 601 5Co* *059 *666 *052 3352 3007 2 566 1761 229* 199* 1599 * 1 90 1 199 *172 *619 2735 99 7 1993 1956 1165 2520 3391 1962 1913 * 7w6 1 Cc I9« 1 *667 *6 79 Og9 1 h63 1*36 1* 59 1* 79 *55u i960 S3 1 6 79 uD 3* ?o t r- 5(19 1 ooC 23Io 1S-.6 lw*O *95 7 1616 1b9o O oo b/15/76 — >uM0 MEMBER Banks “ 1 location ktS VLTCSH UtP TOTRR cAL DIF NEW RR osb DOLLAR 9591720 bHtfcLlM 0 5591750 FIRST No CF >50150 >50300 >30930 >50910 FIRST NB OF 6 Nb 10b353 9037b WILLIAMSON 139072 91967 APPLETON cAkAoCu NATIONAL FIRST t IR svgs WlLOAMSuN bA «K TR CO LF -tLO HcLOIT dnIPPEWA - i.r 6609 9 9060b 101672 11969a FALLS - mi- 551>7O 85/.B8 5513o0 551560 551590 551660 551900 552200 552330 '35/390 '552395 155/991 >552992 T5527/0 735/610 - 71566 39019 ur6 uRfctN BAY JANESVILLE 201309 bluOo - UA •* FIRST NATIONAL ERCwN Na OF KtNOShA FIRST Ns OF KENOSHA KENOSHA NATIONAL nANK FIRST FIRST oANK NA NAT CK OF FIRST wl N3 OF FIRST N3 FAM'u-U. IN LA CRLSSt MAUI SUN MANITO-OC SAV1N0S I-aNK N . 7Oo6B 122u7O KENuSHA KLNOShA 5/ 7C6 357/89 59232 KENOSHA LA Cr.OSSE LA CkOSsE 2 bl3/7 MA01 SON MaNI T DwOC ao?o9 E7b76 MaNITLwuC 1696020 7552630 m 1L W A OK 1 t FIRST WISCONSIN NA I O*-' 75531o0 br, MlLW-lKUt MARINE NATIONAL EXuHAN ■ M 1L « A OK C E 7553200 MCI MARSHALL C lLSOtY cA'.K 7553270 MILWAUKEE ML1 NORTHERN bANK 7553271 MONGOL FIRST NU OF MONROE 7553900 Nit NAH FIRST Nc OF NEENAH 7553990 NIL NAH MARINt NAT bANK 7553500 UbHKOSH FIRST Ml No °F OSH'-I-'H oShKuSH 7553oo0 OSHKOSH NATIONAL 75536/0 KACINt FIkST NATIONAL ck A 1 ■ IK 7559160 MEI AMlRICAN bANK L TW. T CoRAuINt 7359168 SF.AW ANO ShAWANU f.ATIUVAL BANK 75599b0 iHt&OYoAN UT12ENS ^Ht^Lu.'NAL^ANK'sHLBOYOAN JLYOAN 7559500 “^NS NB bi ST.V. NS PNT STtVENS POINT VENS Pl 7559530 STEvtNS POINT 7559730 FIRST Nb OF STtVcNa PNl SlQRotON BAY 7559760 CANK CF STUROfcON ;AT 75598/0 SOPcRIOR FIRST Nb OF SOPcRlow 95598o0 SoPE RIOR NAT oK QF OMrC IN SObtF1.K 9559670 9>7o97 OA593O 11/91? 59oA9 6393A 39079 113971 96962 133192 37300 57773 172999 111799 32595 659O9 73763 90363 31919 0/15/76 tFFtCT ON RESERVES MEMbtR bANKS OSB 7555200 (i lOuuS) NAME FIRST Nc OF LOCATION WAUKtSHA 7555300..FIRST AMERICAN NaT EANk 7555390 FIRST NB IN WAUWATOSA 7555370 MILWAUKEE COUNTY BANK 7555390 FIRST Nb OF W BfcNO 7355510 FIRST No OF wl 7555520 WOOD CTY Nb OF 10560070 10560080 RAPIDS WIS RAPIDS FIRST NaT Bk OF CASPek WYOMING NAT bK OF CAtPtR 10560C90 AMERICAN NB OF CHeYcNNe 10560095 FIRST wY oANK NA ChtYlf.Nfc 1056O100 FIRST NAT CK £. TR 00 10560190 105b03/0 10560930 10560960 STOCKMENS BANK L IRUST 00 FIRST No OF LARAMIE FIRST NAT DANK OF KlVtrTON ROCK SPRINGS NATIONAL bANK 10560990 FIRST https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Nb OF BOARD AMENDMENTS SHERIDAN (NU ADJUSTMENT T Ml WAUKtSHA WAuSAD WAUWATOSA Wl W1 wcST ALOIS wtST EENO WISCONSIN RAPIDS WISCONSIN RAPIDS CASPER DtP FOR AFFILIATE GROUPS) VLTCSH BAL TLTRR NEW RR 5627 79/9 6002 50oz 1652 7999 5167 701 RES 13/252 130/70 lbO2 2367 97972 359 wl Ml Wl Wl 9615b 931 62 331 359b5 67213 396 655 1373 3359 3269 1898 1720 WY WY 158637 lob/71 1917 639 799B 6/98 75601 3/579 70735 DlLLtTTt LARAMlc KIVcKTON WY WY WY WY WY WY bl96l 51b51 9822a la/O 311 653 639 60 3 919 RLCK SPRINGS SHERIDAN WY WY 5o53 1 93901 956 2b6 Casper LmLYENNe CbEYcWl Cheyenne /006 9263 3b65 2503 a093 9716 /133 220 6915 5917 69 a7 5/06 29/8 Z503 2619 37 98 26 19 3/79 122b 52 3 757 2032 9391 / 096 1606 2 1/0 7lB 690 1 799 Z635 2963 2 5b/ 9 69 /906 62 90 833 DIF 1927 226/ 1305 -931 1312 2283 2a75 3998 3731 2522 / 762 Z389 259/ /171 29/5 1 7/9 2399 APPENDIX II (Continued) ! 8/15/78 EFFECT ON RESERVES BOARO AMENDMENTS (NO ADJUSTMENT FOR AFFILIATE NONMEMBER BANKS ($ 1OOOS) 6010305 6010310 BANK OF CENTRAL 6010610 T LOCATION NAME DSB BIRMINGHAM BIRMINGHAM BIRMINGHAM BIRMINGHAM ENTERPRISE ENTERPRISE BANKING COMPANY HUNTSVILLE BANK OF HUNTSVILLE FIRST AL GROUPS) BANK OF 6011165 COMMERCIAL GUARANTY 6011376 BANK MOBILE RES BAL VLTCSH OEP AL 510662 3050 0 AL AL AL AL 319352 6672 4b7 0 58470 48563 70466 NEW RR 0 0 16402 -16402 0 13355 71 -13355 -71 0 0 40 1373 -40 -1373 0 0 0 838 1160 DIF TOTRR — —— ___________- — 12020002 ALASKA BANK OF COMMERCE 12020008 ALASKA STATEBANK 12020016 PEOPLES BANK AND 12020060 B M BEHRENDS TRUST CO ANCHORAGE AK ANCHORAGE ANCHORAGE AK AK AK JUNEAU BANK TRUST 12040097 THUNDERB1RD BANK 12040099 UNITED BANK OF ARIZONA PHOENIX 1137864 195072 PHOENIX PHOENIX PHOENIX AZ AZ AZ TUCSON AZ 264876 57105 391942 101287 BENTON CONWAY HARRISON JONESBORO AR AR AR AR 44228 58241 46759 93310 JONESBORO MOUNTAIN HOME NORTH LITTLE ROCK AR AR 60389 12040145 UNION BANK 8050140 8050345 8050820 8050990 BENTON STATE BANK FIRST STATE BK AND SECURITY BANK CITIZENS BANK OF TR CO JONESBORO 8051000 MERCANTILE BANK 8051460 PEOPLES BANK £ TRUST CO 8051560 TWIN CITY BANK 8051960 FIRST STATE BANK FARMERS AND MERCHANTS BANK 8052000 12060013 CONTINENTAL BANK 12060353 GOLDEN STATE BANK 12060442 FREMONT BANK 12060460 GAV1LAN BANK 12060535 COMMUNITY BANK V2.66O559 V.A JOUVA BANK CTRUST CO https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 6 AW. DSB ($ BAKERSFIELD GILROY HUNTINGTON PARK LA JOLLA LA Mfc5A 12060706 12060708 12060713 12060718 12060719 12060744 LOS ANGELES LOS ANGELES LOS ANGELES LOS ANGELES LOS ANGELES LOS ANGELES LOS ANGELES LOS ANGELES LOS ANGELES LOS ANGELES LOS ANGELES MANUFACTURERS BANK MITSUBISHI BANK OF CALIF MITSUI BANK OF CA LOS ANGELES LOS ANGELES LOS ANGELES 12060885 12061010 BANK OP NEWPORT BANK OF A LEVY 12061118 VALENCIA BANK MECHANICS BANK 12061465 12061475 12061483 HONGKONG BK OF CALIFORNIA REDWOOD BANK SANWA BK OF CALIFORNIA 832 0 508 0 0 0 566 503 1069 466 -3717 2616 299 240 -2616 "299 -240 47638 6297 -47638 -1035 -17457 -2190 2190 0 0 931 B2B 840 -6297 -11185 11185 1035 17457 0 0 194 131 123 1724 -194 -131 -123 -1724 1196 279 -1196 -279 2316 404 -2316 -404 -349 349 0 0 0 608 -608 375 1830 1546 678 0 0 0 0 2825 1798 375 -2825 -1798 -375 -6050 -652 -8977 -507 CA 41701 0 0 CA CA CA CA 138484 47098 46306 2044 770 0 0 0 0 1066 0 0 6050 652 59 CA CA 42202 5b0fa6 1363 309 286 o 8977 229652 0_________ O o 0 o 507 1341 (NO ADJUSTMENT T DEP CA CA CA CA CA CA CA CA CA CA CA CA CA CA FOR AFFILIATE GROUPS VLTCSH BAL 132337 683 47078 50471 79837 52257 129148 276 362 773 41130 329899 93801 62610 1450256 415400 201145 453 260 230 1986 804 224 12182 1122 2709 CA CA CA 47548 35768 CA CA 35072 94670 167290 NEWPORT NEWPORT BEAC BEAC OXNARD PLACENTIA RICHMOND CA CA CA CA CA CA CA CA SAN SAN SAN SAN FRANC1SC FRANCISC FRANCISC FRANCISC CA CA CA CA SAN SAN FRANCISC FRANCISC CA CA CA SAN FRANCISC SAN FRANCISC CA SAN FRANCISC _SAN _______________ FRANCISC CA CA SUMITOMO BANK OF CALIFORNIA SAN FRANCIS BANK OF MARIN WESTLANOS BANK SAN RAFAEL SANTA ANA SANTA MONICA BANK SANTA MONIC bANK OF SONOMA COUNTY EXCHANGE BANK 0 0 0 ANGELES TORONTO DOMINION BK OF CALIFSAN FRANCIS COMMUNITY BANK OF SAN JOSE SAN JOSE 12061690 654 3322 637 LOS ANGELES MODESTO LOS 12061485 12061687 0 0 108 485 823 955 12061487 12061525 12061555 12061597 12061670 0 1477 3002 101U66 102528 12061220 FIRST CITY BANK ROSEMEAD 12061265 RIVER CITY BANK........ .................... SACRAMENTO 12061330 SAN DIEGO TRUST £ SAVINGS BKSAN DIEGO 12061420 BANK OF CANTON OF CALIFORNIASAN FRANCIS' 12061430 BANK OF MONTREAL CALIFORNIA SAN FRANCISl 12061432 BANK OF THE ORIENT 12061437 BARCLAYS BANK OF CALIF 12061440 CALIFORNIA CANADIAN BANK 12061441 CALIFORNIA FIRST BANK 12061443 CHARTERED BANK OF LONDON 12061454 FRENCH BANK OF CALIFORNIA 12061460 HIBERNIA BANK 11432 57908 75097 61800 BOARD AMENDMENTS JAPAN CALIFORNIA BANK LLOYDS BANK CALIFORNIA TOKAI BK OF CALIFORNIA 12060745 TRANS-WORLD BANK 12060800 CENTER STATE BANK 12060884 AMERICAN STATE BANK 120611b0 AR AR AR LOCATION 12060630 AMERICAN CITY BANK 12060644 CALIFORNIA KOREA BANK 12060645 CALIFORNIA OVERSEAS BANK 12060663 CATHAY BANK 12060665 CENTURY BANK 12060660 FIRST LOS ANGELES BANK 12060686 FIRST PACIFIC BANK 12060702 IMPERIAL BANK 12060703 INDEPENDENCE BANK 0 0 3717 -59 -1341 trrtCl ON RESERVES 1000S) NAME 460 352 48414 97470 63381 52804 CA CA CA DUWNEY DOWNEY FREMONT DOWNEY NONMEMBER BANKS STUlTGART ALHAMBRA ARROYO GRANDE BANK 12060047 MIOCSTATE BANK 12060075 CALIFORNIA REPUBLIC 12060350 BANK OF SPR1NG0ALE 0 0 36732 AZ AZ PHOENIX 12040060 ARIZONA BANK 12040062 CONTINENTAL BANK 12040095 GREAT WESTERN BANK £ 2387 1793 125202 115184 38139 SANTA ROSA SANTA ROSA CA CA CA CA CA CA CA CA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 8/15/78 TOTRR NEW RR 0 0 0 0 0 0 0 0 0 0 4807 -4807 38 355 2732 817 -355 -2732 -817 4919 359 15642 -4919 -359 -15642 2293 106 73476 —2293 0 0 0 0 0 0 0 0 0 0 0 0 0 914 2513 50226 223740 534 2830 0 0 0 0 91140 62048 422435 1337 1558 0 0 0 0 12881 0 157258 55442 525 168 0 0 74672 515121 446 5704 2281 20937 0 0 0 348210 1927653 262161 78889 404483 131144 109060 272371 1005886 56011 61578 187787 115207 163190 184 0 0 -579 -10175 —2o308 -2563 -1052 1372 25607 13079 -1372 -25607 -13079 94136 11994 -94136 -11994 393 21754 -393 -21754 116 0 0 0 1825 579 -14 -3443 -8 535 2568 1052 0 0 164712 8535 10175 3136 -561 -68 26308 0 64176 14 3443 -535 -1857 0 935 7762 154 1816 1106 68 -19250 -8516 0 0 0 0 1002 1400 1657 561 -108 -73476 -3136 -1524 201 4013 849 594 0 0 0 6516 535 -38 1524 0 0 0 0 0 0 0 0 3251 19250 DIF 4124 -4124 0 3199 0 6055 42628 -3199 -8055 —4 2626 0 0 38 -38 -1217 0 0 1217 8795 0 0 3253 0 0 0 7261 -7261 1879 7440 -1879 -7440 0 0 0 -8 795 -3253 EFFECT ON RESERVES BOARO AMENDMENTS (NO ADJUSTMENT FOR AFFILIATE LOCATION T OEP r SIGNAL HILL STOCKTON STOCKTON TUSTIN TUSTIN CA CA CA 91333 169818 1789 1864 126585 CA CA 36967 53323 72258 1000 454 554 UKIAH VISTA CA CA WALNUT GROVE CA COLORADO SPRINGS DENVER DENVER COMPDENVER CT CT CT GREENWICH HARTFORD CT CT CT UNlTEO BANK and TRUST CO HARTFORD HOME BANK AND TRUST COMPANY MERIOEN NEW BRITAIN BANK AND TR CO NEW BRITAIN FIRST BANK SECOND NEW HAVEN BANK UNION TRUST COMPANY COMMUNITY BANKING CO ff Wfs CT CT -608 -1919 443 -443 -4641 -244 -5581 54523 721 51528 0 578 1010 -578 66557 35186 1027 611 1265 0 0 798 1360 -798 -1360 0 0 0 0 15 2520 -15 -2520 1296 2021 -1296 -2021 448 3 -448 -3 -667 -717 0 0 49633 43234 667 717 4230 463 663 -4230 54668 739 0 0 0 820 992 1201 -820 -992 -1201 487264 7429 66723 24246 1597 -24246 41399 155375 39582 746 1584 1912 277 -1912 366 642 599 74 3 166893 new haven CT CT NEW CT 607163 1131 8644 6656 17721 45668 1243 CT 1407 -171 -7517 -1832 -2060 1832 2060 19348 13651 O GC -277 -6512 6512 171 7517 989 2652 NEW HAVEN NORTH BRANFORD 606 1919 5561 496 64907 66336 359394 261937 HAVEN -3152 -6399 484 792 PUEBLO PUE6LO BRIDGEPORT 3152 6399 4641 244 55541 113860 GREELEY GLASTONBURY DIF 0 0 0 LAKEWOOD LITTLETON BRIDGEPORT NEW RR 407 DENVER OENVER AND TRUST CO TOTRR 80666 66884 36153 36188 50117 DENVER LAFAYETTE SANK BAL 2214 73321 DENVER GLASTONBURY BANK AND TR CO PUTNAM TRUST CO CONSTITUTION BANK 6, TR CO RES 1225 133354 51916 AURORA BOULDER C1TYTRUST VLTCSH 8/15/78 GROUPS) -19346 44278 -13651 -44278 785 -785 wpta, MFO* 7 DEP to;rr bank ano trust co NORWALK TKUST COMPANY )ST COMPANY ^NK AND'TRUST CO :ust co NK and TRUST CO ANK £ TRUST Co'* E TRUST CO TRUST COMPANY PUAINVlLLfe' StYMOUR CT Ct SIMSBURY STAMFORO CT CT CT WATERBURY CT WATERBURY WES1PQRT CT WILL1MaNT1<£' CT CT 64138 i ,39072 0 b ,35161 55411 109587 726 o 0 0 1010 0 0 453184 ,57358 82934 553«l 0 o 662 1387 7976 1031 849 pp b b 1982 , 501 o 1527 0 3615 19654 397 0 0 249 3296 0 o 0 1434 PR -1982 -56l -397 -1527 -3615 “19654 -249 -3296 -1434 !FcoTmp£anS; °F DEL DE ^TECOMPANY WARE 5T COMPANY «UST COMPANY SELBYVILL61 DE WILMINGTON DE WILMINGTON WILMINGTON DE DE DE 314591 79261 46208 524384 438402 882559 63ob i033 b 16036 0 0 0 847 8081 6048 8115 1385 175 23934 20459 o 0 41848 -16056 -1385 -175 -23934 -20459 -41848 °F WASHTNGTON WASHINGTON 49730 975 6120074 6120105 f^sVIk?™* 0f ba^hore BKCTR QF Pai m 6120125 BRANDON STATE BAn£ 6120140 HERNANDO STATE B^K 6120157 ^APE coral Bank 6120190 BANK OF CLEARWATER 6120199 nr^ * bank of ‘ ' 6120331 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis CORAL CLEARWATER CLEARWATER OADE ® SUN BANK CAPE Pasco county coral gables UaDELAND' DaOE CITY 6120300 OANlTAHtBAA\TKBA^ 6120304 6120330 gardens BRANDON BROOKSVILLE 6120254 6120290 6120292 Bayshore BOYNTON BEACH VOLUSIA CTY COUNTY DAN1A DAYTUNA BEACH Daytona beach Daytona beach FL FL 49789 137201 FL FL 34536 FL 43346 120348 FL FL 120670 FL FL 242580 FL FL FL FL FL 37092 50807 41451 118804 46308 83351 86416 533 1422 0 , 487 , 690 0 640 1311 772 6175 . *1* , 430 666 803 1226 2330 o 0 467 3430 o 0 0 81 135 3503 0 0 4337 910 14126 0 0 0 0 0 0 0 0 0 o o o 0 . 0 192 0 0 318 , 3718 0 0 152 1138 0 2396 -975 -467 -3430 -81 -135 -3503 -4337 -910 -14126 -192 -318 ,-3716 -152 -1138 -2396 C •-C fetkttV ON ktSfckVES ii iOOOSJ NONMERBEk bANfcs ft'OARb AMENDMENTS tbcitiON fIam'e DSB 6120335 6120397 6120443 6120449 6120470 6120480 6120514 6120563 6120575 6120578 6120587 612U593 612059B 6120610 6120626 6120627 6120629 6120638 6120641 6120645 6120662 6120675 6120707 SOUTHEAST BANK ENGLEWOOD FORT LAUOERDALE FT LAUDERDALE LEE CUUNTY BANK FORI MYERS COUNTY FORT PIERCE SUN BANK OF GAINESVILLE GAINESVILLE BANK UF HALLANDALE C TR CO HALLANDALE T( HIALEAH-MIAMI SPR&S FIRST S rHXALEAH SUN BANK OF ST LUCIE LAKE BK FOREST ATL BK W JACKSONVILLE BARNETT BANK UF MURRAY HILL JACKSONVILLE JACKSONVILLE BARNETT BANK UF SAN FIRST GUARANTY BK C JACKSONVILLE JOSE TR CO FIRST BK OF KEY B1SCAYNE BANK L TRUST COKEY BlSCAYNE BARNETT BK OF LAKELAND LAKELAND PEOPLES BANK OF LAKELAND LAKELAND 6120813 BANK OF INDIAN ROCKS LARGO 6120815 SOUTHEAST FIRSI BK OF LARGO LARGO 6120316 SUN BANK OF LAUDERDALE BEACHLDRULt BY THE 6120855 MADEIRA BEACH BANK 6120875 MARATHON BANK 6120905 CENTRAL BANK £. TRUST CO 6120906 BANK OF MIAMI 6120907 CENTRAL BANK OF NORTH oaoe 612O920 COCONUT GROVE BANK TRUST 6120925 COMMERCIAL BANK 6120986 6121005 TOTALBANK 6121065 BARNETT 6121073 61Z1076 ELLIS SECURITY BANK PPLS ST BK OF NEW PT C INTERCONTINENTAL BANK OF SEA 0 0 3215 -3215 932 42400 466 0 FL FL FL 50415 165732 44138 63804 102660 0 0 0 o -932 -939 -1371 FL FL 0 o 0 0 939 1371 5505 1 2792 0 0 0 NAPLES NEW PORT RICHEY NEW PORT RICHEY 6121077 CAPITAL BANK NORTH BAY VILLAGE 6121080 SOUTHEAST BANK OF NEW SMYRNANEW SMYRNA BEACH 6121086 FIRST AMERICAN BANK NORTH PALM BEACH 6121138 FLAGSHIP BANK OF ORLANDO ORLANOO 582 1639 2753 ' 690 1268 1662 88443 72170 624 2472 64 2 52009 50046 92648 699 72 3 ' 914 39404 42089 57295 FL FL 30395 FL 43313 49293 49137 31539 FL FL 40018 211713 FL FL FL 55880 b0422 43614 43392 36739 65356 159046 29232 0 0 0 0 0 0 0 0 b 439 583 0 0 0 0 0 957 622 376 0 0 0 0 0 .... 448 191 3966 57 3178 2569 678 ‘ 2442 0 373 -373 1513 -308 -1513 67 47 -4 7 0 0 0 0 0 0 0 0 0 0 0 973 2133 854 0 0 0 610 572 981 0 0 b 0 0 0 0 0 0 1319 722 0 0 0 0 0 0 604 -106 -6558 796 -796 -190 -2733 190 2733 3988 46 2698 0 0 0 FL FL FL 99830 936 440 609 1640 0 0 0 0 0 3603 48642 59103 0 0 0 0 0 0 0 0 0 1130 227 916 FL 54970 469 80AR0 786 -263 106 6558 1456 2167 937 ' 0 0 69171 -35 -367 -62 4 624 263 0 83B78 39011 -67 35 367 42 7 2377 FL FL -57 -3178 0 b 0 0 FL -184 -3338 -3966 -2569 -604 -67a -2442 642 237 558 2591 760 1203 -5505 -2792 184 3338 68907 b6539 63020 163217 FL FL RCHEY 31104 32691 FL BEACH • 81063 FL FL FL FL FL BANK NAPLES b 0 0 MIAMI MIAMI MIAMI MIAMI OIF 721 FL FL FL CO NEW RR iB83 MADEIRA BEACH MARATHON MIAMI MIAMI MIAMI fotRR 53022 FL 6120709 6120764 6120790 BAL 88164 FL FL FL JACKSONVILLE JACKSONVILLE JACKSONVILLE FLGSHP ST BK OF JACKSUNVILLEJACKSONVILLE COMMERCIAL BANK OF KENDALL KENDALL SE RtS FL Ft FL FL FL FL FL Ft JACKSONVILLE A'ptitlAVt 'GROUPS^ tt FL NORTH HIALEAH FIRST STATE BKHlALEAH BARNETT BANK OF HULLYWUOU HOLLYWOOD SOUTHEAST BANK OF HOLLYWOOD HOLLYWOOD BARNETT BANK OF HUMtSTEAD HOMESTEAD BANK OF INVERNESS INVERNESS ATLANTIC BANK OF SPR1NGF1 ELDJACKSUNV ILLE 8/15/78 FOR WVt'SH T DER OF ofetRFiElb DEERFIELD BEACH ENGLEWOOD BANK AND TRUST SE BANK OF GALT OCEAN MILE SE EVERI^LDS BK OF FT LDRbLE ATL (NO ADJUSTMENT -1456 -2167 -937 -3988 -46 -2698 1793 103 -1793 -103 -5079 5079 -3803 -23 -992 -1763 23 992 1763 276 -276 -1130 -227 , „tIUM6 8/15/78 LOCATION I OEP 6121141 BANKNOFCpALM\tACHRAWN00'' " °RLANOO(I, 6121175 6121185 PAUMETTO BaJk ANDhTXTcnC0:ALM 6121200 COMMERCIAL BK IN PANAMA £?tvoAL"ETT0 6121206 6121209 6121219 6121253 6121260 6121277 6121278 6121315 6121343 6121367 COMMNTY BARNETT BK OF w pasc^ SANK OF o*SC° LANTATXCN HILLSBORO BANK AI.H 6121460 6121465 6121468 6121496 6121524 6121543 6121590 FL FL 6121700 FL FL FL FIRST MARINE BCTC OF Pa^m central plaza bk£5rC£ SI CHARLOTTE Vo£?A B£ACH PETERSBURG BANK AND TRUST?! ^JfcRSBUR& COMMUNITY BANK OF PINEllAC = LEWIS STATE SUMMIT BANK ATLANTIC ‘'‘“ •nzilUlt ‘NUU TALL/»ASSEE Bank Bank OF ^8R1NG Tampa LANDMARK BANK bank of TAMPA SEMINOLE OF TAMP^ EXCHANGE BK OF - * Tallahassee Tamarac Tampa tampa tampa TtMPLE sa,uc,Y 6121615 6121623 CENTRAL bk OF P«t„ 6121732 Ft FL PLANTATION TERRACE 6121593 6121600 6121625 6121628 FL FL FL C0UNlY 6121373 SUN 8K C TC OF 6T PETErIsi^ P^ErS8URG 6121375 HRST GULF BCH BK AnJ !r fS :fcTfcR^URG 6121393 ELLIS AMERICAN BANK ° C° cL 6 ,EkSBuRG BCH 6121398 SE BANK OF GT ARMaNDS SARASOTA , 6121401 pAN AMERICAN BK IN SARASOTA JA“AS0TA 6121410 tins sarasota \ S0Ta Sarasota 6121420 BARNETT BANK OF SEBRING^ C0^\RASUa 6121423 6121449 FL FL CITYPANAMA CITY, PENSACDI a CITIZENS BANK cwbaSk/w^ter FLAGSHIP ««« "IAM Palm BtACH wtsi PACM bIIch of palm BEACH upH ?Ar^LM BEach bk OF ZEPHYRHILLS ZE^KyShJ^ VLTCSH BAL RES (l FL FL 73586 '60712 75234 78153 90816 76919 145406 81697 88093 88843 124913 FL 78013 FL FL 55643 39700 FL 95o21 FL FL FL FL FL FL FL FL FL FL FL FL FL FL FL FL FL FL FL FL 64687. 92736 52968 62687 190839 72808 107109 77384 60218 34498 60843 63623 54046 41527 73711 35407 t>4445 75814 51065 37507 55966 73258 48257 1289 0 663 828 1092 1285 1060 0 0 0 0 -1204 0 0 282 1626 -827 -282 0 0 0 o 0 6017 2377 289e> 0 1702 0 0 -1702 4888 1696 1024 -1696 0 0 0 0 0 0 0 o 0 0 0 0 0 0 0 0 0 0 830 1169 957 415 1177 -1626 -6017 -2377 -2896 -4888 -1024 -76 -463 -1348 -8260 -1296 3957 1627 -3957 -1627 0 0 0 0 0 434 129 0 -434 -129 783 1392 -783 -1392 1570 1839 466 1310 76 463 1346 -1295 6260 1296 620 1744 1335 0 0 526 979 -1509 -2383 -765 -1131 827 0 3a 0 1509 2383 765 1131 1204 1295 1908 658 56 7 586 DIF 0 0 1114 1121 NEW RR o 1571 1576 925 1150 757 0 0 0 0 862 1058 807 0 o 0 0 1017 634 1258 TOTRR 0 o 0 0 o 0 0 0 0 0 0 0 759 184 1618 -759 -184 -1618 99 819 1745 -99 -819 -174 5 114 117 -114 -117 -867 -1224 0 0 0 0 0 0 0 0 0 o 867 1224 0 565 -565 JS "«^TA^’x,iNr^cesNV:t6B;;yy https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 90734 78217 1880 1762 -2003 -1284 ks ioodsl BANKS NONMEMBER board LbCATlUN NAME DSB feFFECt ON RESERVES tho AdjOsTmenV For Amendments 6130370 C £ S' BK OF COBB tlV V" 6130375 CTZ £ SOUTHERN DEKALB BK 6130745 PEACHTREE BANK ANO TRUST C 6132178 FIRST BANK £ TRUST CO SEA ISLAND EANK C £ S BK OF THOMAS CTY £ S OF BANK GEORGIA GEORGIA LA GRANGE MABLETON WEST GEORGIA STATE BANK BANK AND TRUST Cb *' *0 6 ' 990 1064 8t066 165319 42727 1290 5592 0 0 GA GA GA GA GA 202834 116313 61822 2 537 0 0 0 0 0 GA GA 53795 1511 1015 0 0 0 34938 86071 698 1286 0 0 66304 1866 0 47644 ‘40566 495 674 0 0 229078 1175653 3847 17539 272653 4255 2790 0 0 0 THOMASVILLE GA GA GA 12150020 AMERICAN SECURITY BANK HONOLULU HI 12150030 BANK OF HAWAII 12150055 CENTRAL PACIFIC BANK 12150058 CITY BANK HONOLULU HONOLULU HONOLULU ' ' HONOLULU ' HI HI Hl HONOLULU 1257 44110 54477 67424 lL IL 501 578 775 ’ 532 47o NONMEMBER IL BENTON IL 57654 8595 62584 -8 595 -545 -9681 -3667 IL IL BENSENVILLE 0 545 96B1 3667 IL BANK 327 0 0 0 ALTON ANTIOCH STATE 0 -1422 -2544 -17 -327 0 0 0 ADOISON BENTON 2544 1 17 518 2422 1803 8170140 ALTON BANKING ANO TRUST CO 7170230 STATE BANK OF ANTIOCH BENSENVILLE 0 0 -3331 7170020 ADDISON STATE BANK 8170720 BANK OF -439 -434 3331 143050 7170705 0 434 1422 52704 10 82300 65677 67296 -880 439 0 0 0 REXBURG HTS ARLINGTON HEIGHTS tiELLeVILLE -6644 -2600 2600 880 0 50081 266432 Cu OF ARLINGTON BELLEVILLE 0 0 0 0 ID 10 BK £ TR BANK OF -5629 -256 256 8644 2190 IDAHO FALLS POCATELLO 7170265 8170625 2153 5629 0 0 15650 125013 VALLEY BANK * -990 -1064 -2153 0 0 Hl CO DIF -62584 -9631 -3870 -52704 HI 12160365 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 1392 151048 1024771 12160243 BANK OF COMMERCE 12160350 IDAHO BANK AND TRUST NEW RR 336 GA BANK ItltRR 1467 MARIETTA STATESBORO 12150065 FIRST HAWAIIAN 12150090 LIBERTY BANK RES BAL 75066 MACON 6133020 6133140 GROUPS) 59237 GA GA GA CO CHAMBLEE COLUMBUS '’ 6130890 COLUMBUS BANK AND TK CO OALTON 6131150 HARDWICK BANK £ TRUST CO 6131207 CITIZENS £ STHRN tMORY BANK DE KALB COUNTY CTZNS £ SO BK OF FULTON CTY EAST POINT 6131355 6131640 COMMERCIAL BANK ANO TRUST CUGR1FF1N 6131900 6132090 6132115 VlTCSH T DEP AUSTELL AVONDALE tSTATES 8Z15/78 AfFUiAVe 452 1094 0 0 0 9831 3870 0 0 596 0 0 0 0 639 9 72 0 0 0 0 0 0 2029 798 992 -596 -639 -972 -2029 -798 -992 94 -94 0 0 (« 1000S) BANKS 8/15/78 OSB NAME LOCATION T DEP 7170780 CORN BELT BANK 7170790 MCLEAN COUNTY BANK 7170825 7171037 7171335 heritage/county bk c tr rn 7171494 7171511 7171515 7171525 7171530 tLu?M1NGT0Nl ba- - , r^° R°MA ‘CHICAGO) BANK OF CHICAGO 61949 BANK OF RAVENSWOOD BcVERLY BANK ruirarr c» rJS !ANK °F 98398 192941 CHICAGO CHICAGO 128486 Chicago ChjCAGO 46870 140062 145136 CHICAGO Chicago 48266 80393 134345 CHICAGO - C JruST^O60 TR £ tr CHICAGO FCRO CITY BANK GARFIELD RIDGE 7171649 HYOF PARK BANK £\ruST CO r^Jr^ CHICAGO 7171651 INOEPENDENCt A*L « , C0 “'““CHICAGO 7171655 7171657 HER)TAGE/PULLMAN BK £ TR rn ^H1CA&0 7171755 MADISON BANK AND TRUST CO^ 7171765 MANUFACTURERS BANK 7171768 MARINA BANK CHICAGO 7171810 METROPOLITAN BANK £ TRIict r«5HICAG° 7171835 MOUNT GREENWOOD BANK C°r.H?^A99 BANK £ PIONEER TRUST 7172070 SW UPPER AVENUE BANK 7172160 CICERO STATE BANK 7172377 EDGEWOOD BANK 7172410 HOME STATE BANK 7172542 9TaJcToWN 8K °F 7172800 STATE 8172815 Edgemont 7173023 188632 50150 128544 7171629 7172965 DIF 47200 ‘ SVGS BK cScIm 7171552 7171623 7172998 71/3010 NEW RR. 55573 100377 7171542 7171940 7171980 TOTRR 78998 7171548 7171631 7171632 7171635 RES BAL ;3596l 7171350 7171470 7171480 7171495 7171502 VLTCSM BLOOMINGTON BK BANK OF OF Chicago Chicago Cfl “k deCATUR EAST MQLINfc ELMHURST firstS«JV*nk 6 TRUST co first security TR and SVG 40»63 101689 5o928 73554 184273 90394 114264 61774 54780 70067 pu CHICAGO 287418 133670 138135 COUNTRYSIDE CRYSTAL LAKE ,, 42832 148071 Chicago CICERO bank c trust co 45624 152848 OECATUR EAST MOLINE East ST Louis Elk GROVE VILLAGE Elmhurst Elmhurst ELMWOOO PARK 39958 40452 50722 41528 58271 67920 89642 40549 61032 97164 CC DSB 7173028 7173090 7173137 7173315 BANK AND TRUST CO EVANSTON BANK HER1TAGE/STANDARD BK fc TR ELMWOUO PARK EVANSTON COEVERGREEN PARK FRANKLIN PARK 7176310 7176318 7176320 8176590 8176600 JEFFERSON TRUST AND SAVINGS PEORIA PEORIA SHERIDAN BANK SO SIDE TRUST AND SAVINGS ILLINOIS NEW RR O 0 0 2073 219 2203 -2073 -219 -2203 o 0 915 1315 1303 960 559 0 0 0 7396 1061 -915 -1315 -7396 57207 1 61115 69 2 985 ’ 920 0 0 0 IL 50367 1 78Q 0 IL IL 58790 52982 IL IL IL 61138 102086 39266 303 801 ' b09 0 0 0 0 0 IL IL IL 101236 38293 72069 IL IL ST McRCHANTILE BK OP QUINCY TR t SVGS BK 7176750 RIVERDALE BANK 7176760 RIVER FOREST ST BKCTR CO 7176910 ROSELLE ST BK C TRUST CO II IL l‘L IL IL IL IL IL IL IL IL 82096 93728 19063B 57328 63697 163715 56325 78151 1 62561 VlYcsH RES BAL 535 593 1266 661 715 1283 55 7 1369 1920 1265 62 99 8 1138 1112 299 936 3938 70 -1285 -62 -998 -1138 -1112 -299 -936 -3936 -70 -3915 -121 0 0 0 3915 538 893 91820 90886 92766 ' 60730 836 ■ 630 69 7 0 0 0 60 209 933 165898 67079 1 726 1 905 '0 0 0 82 89 5613 665 979 0 1955 602 367 IL IL 5O19B 95727 1975 959 1720 65696 66090 51310 99567 0 0 2972 1 866 IL IL IL IL 712 1030 1 715 0 ■o '0 -1975 -959 IL 71701 76959 1 71560 692 869 762 0 0 0 ' 1271 —2972 -866 -1271 -520 IL 95893 376 IL IL 99112 125679 396 3307 0 0 0 721 767 9192 -9192 999 1 795 0 0 91 -91 577 610 0 83 1 95b IL IL IL IL IL IL 121 1705 520 959 -1705 -60 -209 -82 -89 -5613 —66 5 -1955 -1720 -959 -721 -767 IL 90556 BAPEORIA QUINCY IL IL IL 0 1195 -83 -958 -1195 QUINCY 99693 70669 78297 RIVERDALE RIVER FOREST IL IL 69767 60223 592 256 0 0 1258 2197 -1258 -2197 86713 705 0 -2619 IL 2619 ROSELLE on.or. EPPECT ON RESERVES BOARD AMENDMENTS (NO ADJUSTMENT FOR AFFILIATE GROUPS! 8/15/78 TOTRR https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis -1061 -1920 NEW RR 114 FRANKLIN PARK BANK DU PAGE BANK C TRUST COMPANYGLEN ELLYN 7173560 GLENVIEW STATE bANK GLENVIEW 7173570 GRANITE CITY TR 6 SVG BK GRANITE CITY 8173670 PARKWAY BANK C TRUST CO HARWOOD HEIGHTS 717386B BANK OF HICKORY HILLS HICKORY HILLS 7173935 FHRS L MRCHTS BK OF HIGHLANDhIGhLaND 3173990 BANK OF HIGHLAND PARK HIGHLAND PARK 7173965 BANK OF HOMEWOOD HOMEWOOD 7179065 ITASCA STATE BANK ' ' ITASCA 7179160 FARMERS STATE BANK C TR CO JACKSONVILLE O179220 LOUIS JOLIET BK ANO TR CO JOLIET 7179263 LA GRANGE STATE BANK LA GRANGE 7179990 LANSING 7179503 BANK OF LANSING BANK OF LINCOLNWOOD 1 ' LINCOLNWDOO 7179725 STATE BANK OF LOMBARD LOMBARD 7179775 " LOMBARD 7179778 WEST SURbURBAN BANK 0N1TED BK OF LOVES PARK LOVtS PARK 7179805 BANK OF MARION ’ MARION 8 179960 MATTESON-RICHTON BANK MATTESON .7175055 SECURITY BANK AND TRUST CO MOUNT CARMEL 8175960 MOUNT PRUSPECT STATE BANK MOUNT PROSPECT 7175510 SC BKCTR CO OF MT VERNON MOUNT VERNON 8175565 BANK OF NAPERVILLE NAPERVILLE 7175625 NORTHBROOK TRUST AND SAVIN'GSNORTHBROOK 7175835 OAK BROOK BANK OAK BROOK 7175898 OAK LAWN 7175670 OAK LAWN TR AND SVG BK AVENUE BANK AND TRUST CO OAK PARK 7175680 FIRST BANK OF DAK PARK OAK PARK 7175690 SUBURBAN TR AND SVG BK OAK PARK 7175910 ORLAND STATE BANK ORLAND PARK 7176090 PALOS BANK AND TRUST CO PALUS HEIGHTS 7176155 BANK OF PARK FOREST PAKK FOREST 7176165 FIRST STATE BANK £. TRUST CO PARK RIDGE 7176196 DIF YoYKR T 'OE P “LOCATION NAME MIDWEST a/15/7# flWtf ON RESERVES BOARD AMENOMENTS (NO ADJUSTMENT POR 'APFl’L’IA’TE GROUPS’) V» lO'OOS) NONMEMBER BANKS NONMEMBER BANKS ll . . . . 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AND TRUST CO 4211420 bank of harlan 4211500 PEOPLES 8211610 4211925 FIRST CITY BK 4211930 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis BANK AND TR IA MARSHALLTOWN 1519 77033 43379 938 624 44482 54035 39923 176 451 552 0 0 0 772 547 0 0 0 0 0 IA IA IA IA IA 56z97 733 49756 78636 IA 458 1105 57237 0 0 0 485 0 o 0 0 0 0 0 0 0 ■ 39 190 78 -2656 503 -503 107 1367 1191 -107 -1367 -1191 317 316 -317 BK BANK brotherhood state bank MISSION ST ,,, Marion STATE SANK 116538 ,71543 59579 CO BANK OF LEXINGTON INC CENTRAL BANK AND TRUST CO BENTON COVINGTON FRANKFORT GLASGOW KS 77578 KS 46674 59427 KS KS KS KS KS KS 55095 107325 KS KS KS KS 64513 66342 56534 42139 KS KS 64683 123399 KY KY , HARLAN HAZARD HOPKINSVILLE LEXINGTON LEXINGTON 84151 56688 79617 KY 46559 76519 161691 KY KY KY 38194 51447 56304 KY KY 73109 59967 KY 148428 561 388 1277 >401 713 1006 1034 764 767 660 0 0 0 0 0 0 0 0 0 0 688 530 1006 0 0 816 0 454 1476 1524 934 1267 1364 1629 715 2534 0 0 0 0 0 0 0 0 o 0 0 0 0 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4213780 4213900 BANK OF WHITESBURG WINCHESTER BANK WHITESBURG WINCHESTER KY KY 1 6220030 GUARANTY BK AND TRUST CO 6220085 AMERICAN BANK ANO TRUST CO ALEXANDRIA BATON ROUGE LA LA LA LA LA LA OF PIKEVILLE 6220086 BATON ROUGE BANK £ TRUST CO BATON ROUGE 6220087 CAPITAL BANK ANO TRUST CO BATON ROUGE 11220160 BOSSIER BANK ANO TRUST CO ' BOSSIER CITY 6220167 PEOPLES B£TC OF ST BERNARD CHALMETTE 6220290 BANK UF COMMERCE £ 6220320 LIVINGSTON ST BK 6220415 FIRSI STATE BANK TRUST CO CROWLEY £ TR CO AND TR CO 6220430 BANK OF GONZALES 6220465 GUARANTY BANK AND TR CO 6220572 JEFFERSON BANK £ CO TR CO 6220573 FIRST METROPOLITAN bANK 6220628 AMERICAN BK ANO TR COMPANY 6220640 GUARANTY BANK AND TRUST CO 6220635 METAIRIE BANK AND TRUST CO 11220655 AMERICAN BANK £ TRUST CO 6220900 ASSUMPTION bANK 6221040 BANK OF NEW ANO PARISH JEFFERSON PARISH LAFAYETTE NtW ROADS NORCO CU OPELOUSAS 6221185 DELTA BANK ANO TRUST C0MPANYP0R7 SULPHUR 6221190 RACELAND BANK ANO TRUST CO RACELAND 11221250 RUSTON STATE BK £ TR 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124479 New tDTRR RES BAL 0 * 716 267 -267 -244 -761 —2772 24* 761 2772 2959 4814 958 327 ' 1531 9057 -2959 -4814 -956 -327 -1531 -9057 2560 277 0 -2560 -277 -181 181 0 0 53 100 29 -53 -100 0 0 0 685 0 0 0 2094 27 -2094 -27 4692 -4692 -29 -68 5 BOKO AH»MENTr-\™?ESw <FF1LHIE 8/15/78 LOCATION T :srs ) 1 J”™6? citizens BANK AND TR rn CONCORDIA BANK ANO TRUST DEPOSITORS SHREVEPORT SLIDELL c— THIBODAUX CO VIDALIA VIDALIA LA LA LA LA TR 0 SsS x 5240090 5240130 .5240240 FEDERAL CO BAR HARBOR AUBURN TRUST PORTLAND Waterville BAL RES 115689 43551 126530 59311 TOTRR NEW RR OIF 2253 1551 1910 1071 3916 -3916 585 3376 -585 -3376 95 -95 ME 222999 ME ME 62076 ME ME 47692 85843 294402 ME 59457 4341 1024 10579 -10579 912 3074 3971 1688 1042 -1688 -1042 3065 13858 -3065 -13858 1494 -1494 1823 E0unABLENTRu"T tci'JJJ r„ mercantile safe i co rT,^. E'-BANK ------- -w , ViL.LC Columbia bank £ C0 5241420 citizens bk c 5241515 PEOPLES^BrNK °F Baltimore "°RE PEL AIK BERLIN BETHESDA M°R°LAND 5241575 CAR^u CT^BaZk ,8A,o °F MD 5241740 5241770 WESTMINSTER TRUST COMP^Y^ MO MD MO MO MO 57515 1264622 391674 40969 35757 MO 63572 COLUMBIA n.u. DAMASCUS MO MO MO 49857 47023 37815 FREDERICK MO MO 53607 BETHESDA TRUST CO bank of DAMASCUS 5240740 ER ^W^hk 7 “e ’S ’*' icbanking A^ 5240B40 EREDERICKTOWN bk £ tr co 5240950 EARMtRS £ MERCHANTS BANK 5240960 BANKRnJ°MN ,RUS1 COMPANY 5241058 BANK of MARYLAND 5241075 SCbURBAN TRUST COMPANY 5241101 KARyL“° 5241370 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis LEWISTON COMPANY 5240310 » £ 5240330 5240350 5240356 524C565 5240650 VLTCSH TRUST COMPANY AUGUSTA BANGOR 1230930 DEP trust c° HAGERSTOWN HAGERSTOWN HILLCREST HTS HYATTSVILLE LA PLATA PRINCESS ANNE SILVER S RIVERDALE SILVER SPRING SUITLAND MD MD MD MO 68549 56245 75977 63419 950130 MU MO MO 48283 456672 MO 191481 34fa26 1920 26913 845 1052 1626 847 786 277 1266 1822 1975 2322 1786 24240 81 7 1119 12665 MO 12291o MO 4553 3098 98574 37239 1883 MO 0 0 2840 733 0 0 0 0 O 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1361 64211 17653 -1381 -64211 -17653 533 -533 258 2406 1272 -258 -2406 947 170 781 1947 -1272 -947 -170 -781 -1947 -1772 1772 2284 -2284 666 53332 -666 -53332 366 -366 0 466 29640 —466 -29640 0 0 0 8786 2116 -2116 3407 -3*07 -8786 NONMEMBER DSB EFFECT ON RESERVES B'OARb AMENDMENtS INO ADJUSTMENT FOR A'FtttMtE 'GRO«iP‘S> ($ 1OOOS> BANKS Location NAME 1250170 1250225 1250280 ATTLEBORO TRUST1COMPANY BAYBANK AND TRUST COMPANY BOSTON SAFE DEPST £ TR CO CAPITOL BANK £ TRUST CO ' 1250295 1250310 CITY BANK ANO TRUST COMPANY 1250315 COMMONWEALTH BANK AND TR CO 1250591 UNITED STATES TRUST COMPANY 1250710 BROOKLINE TRUST COMPANY 1250728 ATTLEBORO' MA ’49973 BEVERLY BOSTON BOSTON MA MA 59653 161208 MA MA MA MA MA 82602 BOSTON BOSTON BOSTON BROOKLINE OLD CLNY BET CO OF MDLSX CY BURLINGTON 1250732 BAYbANK HARVARD TRUST CO 1250750 CAMBRIDGE TRUST COMPANY 1250835 FIRST BANK AND TRUST CO 1250995 BAYBANK NORFOLK CTY TR CO 1251110 BMC DURFEE TRUST COMPANY CAMBRIDGE CAMBRIDGE CHELMSFORD 1251260 1251525 FRAMINGHAM TRUST CO LINCOLN TRUST COMPANY FRAMINGHAM HINGHAM 1251700 1251990 1252020 ARLINGTON TRUST COMPANY ESSEX COUNTY BANK £ TR CO LAWRENCE LYNN MALDEN TRUST COMPANY SOUTHEASTERN 6K £ TR CO MaLOEN DEDHAM FALL RIVER NEW BEDFORD UNIVERSITY BANK £ TRUST CO NEWTON BERKSHIRE BANK ANO TRUST CO PITTSFIELD 1252755 1252825 HANCOCK 1252997 FIRST AGRICULTURAL £ BK SOUTH SHORE BANK ROCKLAND TRUST COMPANY CENTURY BANK £ TRUST CO 30752 MA MA MA MA MA MA MA MA 303253 55139 97600 95812 37213 93391 0 6 893 1769 1909 0 0 0 0 0 ------------ 0_ _ o *" 0 0 0 - 0 9990 1015 682 " 2791 396 9897 ------------2929 ’ 1192 998 1063 0 0 0 0 .. 2658 MA MA 126937 2630 0 100782 1392 QUINCY MA 269515 6936 0 0 ROCKLAND SOMERVILLE MA MA 111729 3917 798 0 0 9610 797 0 0 8098 1812 0 0 0 1253190 VALLEY BANK AND TRUST CO SPRINGFIELD 1253309 SHAWMUT MLRSE-WKFLD BK£TR COWAKEFIELD 1253315 BAYBANK NEWTON-WALTHAM TC WALTHAM 1253322 GUARANTY FIRST TR CO WALTHAM 1253395 COOLIDGE BANK AND TRUST CO WATERTOWN 1253595 PARK WEST BANK £ TR CO WEST SPRINGFIELD WORCESTER ' 1253735 COMMERCE BK £ TR CO MA MA MA MA MA MA MA 1253790 1253750 GUARANTY BANK AND TRUST CO WORCESTER 1 MECHANICS BANK WORCESTER MA MA 7260105 BANK OF ALMA 51167 285181 51693 0 97*9 0 0 0 1522 8608 —- 9126 1560 -9126 -1560 10 16959 -10 -16959 -2061 2061 958 29920 2828 -958 -29920 0 0 0 o 9005 29 16639 7960 * -9005 -29 -16639 -7960 -1136 0 0 0 0 0 - 1136 351 ' 230 2999 9699 9799 0 —2828 -351 -230 -2999 -9099 0 0 19298 -9799 -19298 9760 -9760 0 998 19551 1969 -998 -19551 -1969 20913 2167 -20913 -2167 6b90 989 619 13651 -6890 -989 -619 -13o51 5125 -5125 97095 96730 261506 1395 963 999 3808 127825 2795 0 0 0 0 1138 1697 -8608 -1128 -1138 -1697 0 0 0 0 0 0 0 0 0 0 0 380590 72739 133587 -979 -1522 1128 0 0 0 0 QUINCY ' NEW RR 0 0 0 0 0 0 0 7500 1609 66191 32827 369526 166769 795 1354 2:825 1936 789 283 93965 939552 89226 VoTRR RES BXt 0 0 PITTSFIELD BANK CO TR 119652 57818 MA MA MA MA MA vttcsrt 79326 70073 MA 1252905 1252965 1252725 1252895 1252900 t DEP 8/15/78 ALMA MI 63290 835 0 0 1399 7260130 ALPENA SAVINGS BANK 7260190 PEOPLES BK £ TR OF ALPENA -1399 ALPENA ALPENA MI Ml 82207 71193 1079 903 0 0 7260170 ANN ARBOR TRUST COMPANY 0 0 1688 1956 -1688 -1956 ANN ARBOR MI 69681 159 0 0 960 -960 NONMEMBER BANKS ($ lOOOS) 8/15/78 4FfJLMre GR0UPS1 DSB NAME location T OEP VLTCSH RES BAL TOTRR 7260290 7260915 COMMUNITY BANK: BAD AXE .. BENTON HARBOR INTER-CITY BANK CENTRAL MICHIGAN BANK £ 7260960 TR 7260980 FIDELITY BANK OF MICHIGAN 7260550 BRIGHTON STATE BANK 7260620 CADILLAC STATE BANK 7261260 FIRST STATE BANK 7261270 NORTHWESTERN STATE BANK 7261280 EAST LANSING STATE bANK 7261953 STATE SVGS BK OF 7261560 7261580 FRANKENMUTH 7 261660 7261685 BANK £ MID-MICHIGAN BANK ^ttURITY FIRST BK AND TR FIRST SECURITY CO https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 93597 99837 200679 72935 51796 7Z935 JACKSON SAGINAW ^nk Trenton state bank AND TR CO 91677 129193 KALAMAZOO i MIDLAND 71907 195359 MONROE MOUNT CLEMENS 117799 MUSKEGON 115909 OWOSSO 95696 130218 336620 129591 369792 OWOSSO PON 71 AC PORT 7263850 WOLVERINE STATE BANK 7269120 UNITED SVGS bK OF TECUMSEH 7269170 traverse city state BANK 7269200 BK 109066 GLADWIN GRAND HAVEN HAMTRAMCK HOWELL IONIA OAKLAND BANK FIRST MICHIGAN 50095 177985 HAMTRAMCK BANK STATE bANK OF 97869 93962 FENTON MIDWEST 6ANK INDUSTRIAL STATE BK WAYNE 82283 JORDAN LANSING FRANKENMUTH FRASER state bank of peSp^Vlt savings 7263810 peoples state bank 7269960 CADILLAC EAST DETROIT TRUST HURON ROYaL OAK Saginaw 68261 9756b ST CLAIR ST JOStPH SANOUSKY . , TtCUMSEH TRAVERSE CITY TRENTON ZEELAND 9270690 UmmYs5;;iEB*™K BLOOMINGTON 9273960 CAMDEM NORTHWESTERN ST BANK MI^EApSlI S 69089 125528 98999 96953 73562 132789 BIRMINGHAM BRIGHTON EAST EAST £ TR 7262875 FIRST MIDLAND BK £ TR CO 7262990 MUNROE BANK £ TRUST , , , .7263010 MOUNT CLEMENS BANK 7263060 BANK AN0 TRUST LO 7263316 KEY STATE BANK 7263320 OWOSSO SAVINGS BANK 7263960 PONTIAC STATE BANK 7263520 PEOPLES 6K OF PORT HURON • 7263720 7265798 7263770 BIG RAPIDS FENTON 7261660 bank of commerce 7261880 PEOPLES STATE BANK 726Z190 MCPHERSON STATE BANK 7262185 7262305 7262360 NEW RR .............. , , 92277 61898 76793 192909 66373 165178 : DIF 891 3297 125 -591 -3297 621 1879 9502 28b2 -621 -1879 -9502 -2832 199 2885 -199 -2o85 890 7092 -690 -7092 1872 -1672 361 2369 -3b 1 -2369 86b9 2595 738 -6669 -2595 -738 799 268 -268 9077 1550 5269 2798 9278 -125 -799 -9077 -1550 -5269 -2 798 -9278 58 -58 9967 15278 3693 17262 -9967 -15278 -3693 -17262 15 56 -1556 2100 559 715 -2100 -559 -715 -1019 1019 5196 -5196 1268 -1268 6135 -6135 62075 92699 59718 -1782 -61 -2905 NONMEMBER DSB LOCATION 927*360 FIRST STATE BANK 9275065 RICHF1EL0 BANK ANO TRUST CO 9275060 FIRST ROBBINSDALE ST BK ’• 927509* MARQUETTE B6.TC OF ROCHESTER 9275**0 COMMERCIAL STATE BANK 9275**5 EASTERN HTGS STATE BANK 9275*60 FIRST GRAND AVE STATE BK 9275*70 FIRST MERCHANTS STATE BANK 9275*90 FIRST SEC SB OF ST PAUL 9275500 FIRST STATE BANK 9275550 NORTHWESTERN STATE BANK 9275730 DROVERS STATE BANK 9276*20 WAYZATA BANK ANU TRUST CO 9276530 FIRST STATE BANK 1 ' 6280200 RANKIN COUNTY BANK 6260210 BROOKHAVEN BANK ANO 8280310 BANK OF CLARKSDALE 8260*30 SECURITY BANK 8280700 GRENAOA 6ANk MERCHANTS AND MARINE 3281730 SECURITY 8281790 8261810 NEW BRIGHTON MN 35721 RICHFIELD MN ROBBINSDALE ROCHESTER ST PAUL MN MN MN MN MN MN 80206 58*80 ST ST PAUL 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MISSISSIPPI NONMEMBER BANKS -92 -2572 -870 1005 PEOPLES MARK 92 2572 870 73* 53675 BANK OF WEST 0 0 0 0 0 0 59729 1370*6 BANK DIF 0 MS BANK NEW RR 0 0 0 MS STARKVILLE TUPELU BOATMENS BK OF 536 730 TOTRR 70* 920 52*73 MN MN MN RES BAL MS I 1 Y 8290185 8290507 MN MN MN VLTCSH CLARKSDALE 6260915 MISSISSIPPI BANK 82609*0 MERCHANTS ANO FARMERS BANK 6281200 FIRST UNITED BANK OF MISS 6261210 MERCHANTS AND FARMERS BANK 6281330 NEWTON COUNTY BANK 6281*10 T DEP •' <> BRANDON TRUST COBROOKHAVEN HANCOCK BANK STATE 6/15/78 BOARD AMENDMENTS (NO ADJUSTMENT FOR AFFILIATE GROUPS) NAME 6280730 UN RESERVES trrtu lOOOS» ($ BANKS 0 0 0 -305 6588 -6568 *8*8 299 —*8*8 73 80* ' 3 10*8 73 6072 3299 -299 -73 '-80* -3 -10*8 -73 -6072 -3299 5 72 -572 61 1122 -61 -1122 0 86* 5703 -86* -5703 0 13239 -13239 10005, R 4FFiuAre B0“° 8/15/78 DSB NAME LOCATION T DEP 8291112 FIRST BANK OF COMMFRfP 8291175 BANK OF CRESTWOOD • -1 COLUMBIA l:>, 8291186 FIRST MISSOURI BANK ^ESTWOOD UNTO MISSOURI BK £ FERP r ™, C0£UR 8291560 8291600 Florissant bank ° fergus°nferguson 10292273 NOLANO RD MERCANTILE BANK fJ-ORISSANT 8292360 CENTRAL trust BANK INDEPENDENCE 8292371 LANDMARK N CTY 6K AND To rn JfcFFERSDN CITY 8292372 JARK twain north\\nTbaTnRkC° J^NINGS 8292375 CHARTER BANK OF JENNIiurc JENNINGS 10292**8 JENNINGS 6ANK £ / 10292*57 blue RIDGE BK £ TR CO KANSAS CITY 10292*95 KANSAS CITY, empire bank 6 TRUST CO 10292503 KANSAS CITY goppert bank t TRUST CO 10292505 KANSAS CITY GRAND avenue bk ■ TR CO 10292520 KANSAS CITY K ansas city bk TR CO 10292589 KANSAS CITY PI0 n ? fr A ra £ TRUST COMPANY 8293280 KANSAS CITY 8^;^51 C° 10293360 ~ v MAPLEWOOD 1029*292 MARYVILLE 829 A3 53 coJunent^Y2nk BANK 829**56 landmark X'J ST0*^0 HGTs LANDMAOiz”norJeST 629*5*0 JOHNS BANK AND TRUSlCO kt tn* 829*660 6ADEN BANK OF ST LOUIS H J°HNS IS ST E°U1S 629*665 SANK OF ST LOUIS 829*690 Cass bank and triiqt 829*700 c?;:xv*us’ ? louis Y 829*705 829*735 829*750 829*760 829*810 829*910 rk re c ▼ 6319* 7075* *2270 57661 51878 180980 101088 79869 50058 *3286 58632 37590 *5025 61000 610*6 78572 52757 60073 53229 5*6*9 *6*26 78*58 55*Z0 1938*6 **915 1055*6 LOUIS 15 p 829*953 829*956 95851 55035 7*128 COUNTY 5055* °U“ COUNTY ^KINGFIELDSPRINGFIELD *6312 *5375 6572* l6z0*7 ’’ 829*958 8295290 8295295 EMPIRE BANK 8295570 6986* 71260 GRaVOIS COMMERCE BANK OF UN1V CITY 6IG BEND BANK , , U " 8295755 8295760 WEBSTER GROVERS TR 8295790 landmark rn Central b RkC£° tr ,^RIN&FIELO UN1VERS11Y CITY WEBSTER GROVES CO 95891 57*66 *2652 58*70 96500 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis RES BAL TOTRR *59*5 JEFF VLTCSH NEW RR DIF BANKS NONMEMBER OSB Ii EFFECT ON RESERVE'S lOOOSI BOARO AMENDMENTS NAME 9300760 LOCATION TR CO 10310090 GUAR01AN STATE BK 10312135 GATEWAY BANK £ TRUST CO 10312160 UNION BANK AND TRUST CO 10312718 CENTER BANK 10312720 DOUGLAS CTY £ ALLIANCE CO TR £ BK 10312735 FIRST WEST SIDE 10312785 SOUTHWEST BANK BANK 12320040 BANK OF NEVADA ' 1 1330010 BERLIN CITY BANK 1330290 exeter banking company 1330650 MANCHESTER BANK 1330720 NASHUA TRUST COMPANY 1330920 3340100 PLYMOUTH GUARANTY SVGS BK GUARANTEE BANK 2341055 2341064 STATE BANK OF NEW JERSEY FRANKLIN STATE BANK 2341068 CENTRAL JERSEY (» o o 0 0 ’ 342 0 42760 36329 563 0 0 OMAHA OMAHA OMAHA OMAHA NE NE NE NE 61926 4B776 55237 297 57268 649 NV 237271 5472 NV 111911 NV * ' 1 1 ‘ ' 1 ' LAS VEGAS RENO 313 ' 949 272 827 868 -627 -868 0 0 0 9502 -9502 1484 0 4658 -4658 69998 1005 0 0 1755 -1755 468 1131 0 0 0 0 0 0 0 0 0 0 0 0 130 841 4958 3105 -130 0 0 -841 -4958 -3105 84 240 2612 -2612 0 0 0 0 0 0 39685 49021 139034 NJ NJ 232093 89854 NJ NJ 141553 1083 2119 77505 53407 351947 659 5397 0 0 0 488650 10971 0 CO FREEHOLD TWP -1 -17 -1379 0 0 0 NH NH NH NH NH NH NJ NJ -179 1 17 0 0 0 730 NH NJ 179 0 0 EXETER MANCHESTER PLYMOUTH PORTSMOUTH COROCHESTER dTf NE'fc RR 0 BERLIN BRIDGEWATER TWP CHATHAM TOWNSHIP FORT LEE FRANKLIN TWP AND TR BK 236 45801 BERGENFIELD TRUST COMPANY '45650 NE NE ATLANTIC CITY 2340205 BERGEN STATE BANK 2340435 SOMERSET TRUST CO MT VoVrr res bal NE NASHUA PORTSMOUTH TRUST COMPANY ROCHESTER SAVINGS BK £ TR 2340590 CHATHAM 1'' V'lYCsh LINCOLN LINCOLN LAS VEGAS 12320045 NEVADA STATE BANK 12320078 PIONEER CITIZENS BANK 1330850 1330900 V DEP TR OF MILts CITYMILES CITY 1ST SC BK £ 8/15/78 FOR X'F'Fl'LlAtE GROUPS’) <NO ADJUSTMENT 1403 1419 97132 42909 57 87 200 40028 85072 6257 677 1379 -272 -84 -240 9927 2815 0 0 0 0 1C -9927 4567 -2815 -4 567 1783 409 13503 -1783 -409 -13503 26958 -26958 lOOOS) *FFILIATE GROUPS) B0ASD ~ 8/15/78 LOCATION T DEP 2341120 &ARFIELD TRUST COMPANY 3341625 2341695 2341735 .GARFIELD•, LACEY TOWNSHIP linden 2341890 2341985 LONG BRANCH METUCHEN MONTVALE 3342000 2342320 3342412 COASTAL STATE BANK 2342485 MIDLAND BANK £ TRUST 2342530 ?0J 2343280 2343450 2343533 hudS Ramapo ™ ™ bank PATERSON PENNSAUKEN TWP PRINCETON SADDLE BROOK SUMMIT UNION CITY 10350032 11350110 10350145 10350160 11350200 11350215 11350335 2360075 2360500 2360975 2361940 NJ NJ NJ NJ NJ 78835 91665 120605 910 1239 NJ NJ NJ 51896 298944 186308 60129 0 0 0 0 0 0 0 0 0 0 0 724 91780 109742 0 0 1563 2610 54836 TOTRR 989 -356 -621 -5044 10 0 -10 -128 -2004 6066 -6 066 215 1134 1617 -215 -1134 0 3133 1296 2692 0 0 0 0 0 4997 908 15257 0 9314 o 631 0 0 4499 356 621 5044 128 2004 o 0 0 0 1617 1527 4868 0 DIF 0 o o 0 0 0 0 NEW RR -1617 -3133 -1296 —2692 -4997 -908 -15257 -9314 -631 to O» c ti«Te valley bank citizens bank OF CLOVIS citizens bank first state bi new MEXICO BK £ TR CO baw bankU^TY BANK OF STaTE 6an< BABYLON 5TATE eAN« °F C°RN1ng TRUST COMPANY 2363870 MFG HANOVER TR CO/CPTL RFC 2363950 hERKlMER COUNTY TRUST CO 2364310 NORTH fork BK £ TR CO https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 822 725 31473 534o6 BAL BANK OF NEW MEXICO 2362850 massauBUtTRcoC° 2363390 33374 61649 166943 RES 607 758 1842 909 975 1421 Nj WAYNE TWP 10350025 6325 7 126072 NJ PARAMUS patersun 2343083 NJ NJ NJ NJ Nj OCEAN CITY cn 41371 NJ NJ MODRESTOwn NcWTON 2342570 3342668 3342870 NJ VLTCSH ALBUQUERQUE AL8UQUERQUE CLOVIS Farmington GALLUP H06BS ., LAS CRUCES ROSWELL NM NM NM NM NM NM NM NM 197224 41986 66853 56319 49647 97239 52061 56020 1974 0 0 0 0 0 0 o 0 369 563 1416 1333 1117 990 76 7 0 6576 o o 4 112 0 0 o 497 223 1802 o o 417 288 -6576 -4 -112 -497 -223 -1802 -417 -288 ALBANY NY Babylon BROOKLYN CORNING ,. GLEN COVE HORNELL LATHAM LITTLE FALLS MATTITUCK NY 67721 77917 NY 56235 NY 49505 NY NY NY 154976 NY NY 38489 86934 40066 73340 1060 1572 . 755 1538 3474 682 1296 984 1308 0 0 0 0 0 0 0 0 o 0 0 0 0 0 0 o o 0 297 2563 -297 -2563 830 1186 -830 -1186 6487 124 1419 -6487 -124 -1419 89 2198 -89 -2198 8/15/78 EFFECT ON RESERVES _ BOARD AMENDMENTS (NO ADJUSTMENT FOR AFFILIATE 0S8 IOOOS» t» NONMEMBER BANKS BK OF NEW YORK 236*820 ATLANTIC BANK OF NEW YORK 236*833 BANK LfcUMI TRUST CO OF N Y 236*658 236*863 BANK OF COMMERCE 236*393 BANK OF TOKYO TRUST CO DA1WA BANK TRUST COMPANY 2365053 FIDUCIARY TRUST COMPANY 2365130 FUJI BANK C TRUST COMPANY 23651b8 1ND BANK OF JAPAN TR CO 2365235 2365*18 ROYAL BANK t. TRUST CO UNITED AMERICAS BANK 2365515 . 2367635 BANK OF UTICA FIRST TRUST UNION BANK 2367970 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis NEW1 YORK NEW YORK " NtW YORK NEW YORK 1 NEW YORK NEW YORK NtW YORK NtW YORK NEW YORK'’ NEW NEW 5371330 LEXINGTON STATE BANK AMERICAN BANK ANO TRUST 5371*10 5371*60 537156* 5371720 SOUTHERN BANK £ TRUST NORTHWESTERN BANK FIRST-CITIZENS BK £ PEOPLES BANK CO TR CO StCURlTY bK £ TR CO 5371800 5371805 CAROLINA BANK EDGECOMBE BANK £ TRUST CO 5371970 WACCAMAW BANK AND TRUST CO 5372111 bRANCH BANKING AND TRUST CO 5372150 53722Z5 FORSYTH BANK £ TRUST CO 9380970 AMERICAN BANK AND 9381*70 AMERICAN STATE NONMEMBER BANKS DSB TRUST BANK 507** *9757 NY NY 1*0906 773*6 5**81 NC NC NC NC NC NC NAME 365b55 38177 **03* 72217 9295* 7**75 200220 62707 1171990 3203 581 0 0 *3 o 39 38 0 0 o 10 o 0 0 0 0 0 0 0 0 0 0 0 0 o----------0 0 0 0 0 O 0 0 0 0 o 0 3175 187* 32181 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1727 1*5* 11510 9*6 1165 1712 *88 1277 NC NC 1072176 SALISBURY NC 127681 25107 9165 **** SANFORD TARBORO WHITEVILLE NC NC 12377* 51839 263*81 2505 1387 **10 *55599 12115 *5*5* 338 599*1 51336 33* 785 UlLsON WINSTON-SALEM 26**09 NC NC NC NO NO (NO ADJUSTMENT LOCATION . , T DEP OH FOR AFFILIATE VLTCSH 180396 310500 206371 587*0 OH OH DH ON i OH OH OH *b776 *7*20 757 169 2016 0 0 0 0 0 51135 1*6060 *6587 783 2*39 820 DH 52868 .7*261 *5956 1629 1039 58*33 1302 113083 OH OH 96960 93019 3169 16/1 1306 MARION MIDDLETOWN OH CH *7736 86122 1281 165* PORTSMOUTH SPRINGFIELO STtUbfcNVILLE OH OH OH *8369 1062*8 Twinsburg banking co TOLEDO TWINSBURG PEOPLES BANK OF YOUNGSTOWN OH OH OH MARION COUNTY BANK BARN1TZ sank , , PORTSMOUTH BANKING CO | *3957*5 SPRINGFIELD bANK *395760 MINERS * MECH SVGS £ TR CO *396010 HUNTINGTON BK OF TOLEDO CENTRAL YOUNGSTOWN TR CO OF DH 56639 67268 *7051 OK 55358 55012 MUSKOGEE OK OK OK OKLAHOMA CI OKLAHOMA Cl OK OK OKLAHOMA Cl OKLAHOMA CI OK *61*2 *7161 705 96 OK 72562 OK 66019 56 300 ZANESVILLE ZANESVILLE 10*00220 UNION BANK ANO TRUST BARTLESVILLI 10*01950 SECURITY BANK AND TRUST COMPLAWTON 10*02250 SECLR1TY BK I TR CO 10*02350 COMMERCIAL BANK 10*025*6 FOUNDERS BANK A 10*02567 GRANT SQUARE 8K £ MIAMI TRUST CO TRUST CO £ TR CO 10*02568 GUARANTY BANK £ TRUST CO 10*02590 UNITtD OKLAHOMA BANK 10*0259* UNION BANK £ TRUST COMPANY 10*02760 SECURITY BK £ TR CO LIBERTY STATE BANK 105015 105*90 OKLAHOMA CI' PONCA CITY TAHLEQUAH BANK OF COMMERCE £ TRUST CO TULSA 10*0336* BOULDER BANK AND TRUST CO TULSA OK OK OK OK 597*3 68*90 38036 110002 65*30 1 861 5593 59* *3 *779 -5593 -59* 2328 679 15891 252 -232 8 -679 -15891 -252 0 0 0 0 0 0 0 0 2293 1*60 688 0 0 91* 1*87 0 0 1**9 *27 *91 7*0 5*069 107*9 *673 3905 50 9601 -9501 22973 122 -22973 -122 319 7 -319 -7 0 0 0 .7016 -7016 -13182 -8631 -29* -568 0 0 0 638 *996 -33* -63 8 -*996 0 0 0 0 0 162 *778 2* -162 -*778 -2* 313 1671 -313 -1671 0 0 68 589 o 328* -569 -328* 0 0 0 26*1 2769 -26*1 -2 769 165 2270 -165 -2270 6 3100 3255 3900 -6 -3100 -3255 0 0 0 0 0 0 0 : 678 30 918 0 *** 3*1 0 0 0 0 B 0 0 0 0 0 -3900 -538 -1196 -373 -678 -30 -139 139 397 -397 -5* 5* 39 800 *99 0 0 0 *62 791 *65 0 0 1080 1636 5 21 0 0 0 625 0 -88 538 1196 0 0 0 DIF 13182 8631 29* 568 33* 0 0 - --■ NEW RR 0 0 0 --- --- -6290 -875 -50290 -5*069 -107*9 -*673 -3905 -50 675 50290 373 *7* *02 -117 -10*3 -20*2 -1**9 6290 0 *9* —*3 -*779 117 10*3 20*2 TOTRR 0 0 0 0 BI* 1702 -1*99 -11*9 -861 8/15/78 0 1123 -2851* -213 GROUP 276 1218 OH OH - 0 0 0 0 0 0 OH OH 0 0 0 0 0 RES BAL 3308 *132 1728 68*33 1278*3 OH OH OH - -13603 -6*70 -23553 -12*23 13603 8*70 23553 12*23 2651* 213 1*99 11*9 0 69 3 £267 167 12** 337 2*13 DIF NEW RR TOTRR 0 0 0 RALEIGH ROCKY MOUNT BOARD AMENDMENTS *395080 10*03230 10*03362 l*51b9 161565 NY NY NY RES BAT. 138 6 MOUNT OLIVE NORTH WILKESBORO *3902*0 *391170 *391270 NORTH SIDE BANK AND TRUST C0CINC1NNATI *391*65 MIDWEST BANK £ TRuST CO Cleveland *391650 OHIO STATE BANK COLUMBUS *3919*5 DELAWARE COUNTY BANK DELAWARE *39z060 REEVES BANKING AND TRUST CO DOVER *392*30 FREMONT SAVINGS BANK CO FREMONT *392500 OHIO VALLEY BANK CO GALLIPOLIS *3*2760 CITIZENS BANK HAMILTON ; *39^050 CITY BANK KENT *393170 FARMERS ANO CITIZENS BANK LANCASTER *393270 METROPOLITAN BANK LIMA . . *393630 RICHLAND TRUST CO Mansfield *393690 PEOPLES BANKING AND TRUST COMARIETTA *396788 NY NY NY VLtCSW NC NC NC AKRON :--v AKRON AKRON FARMERS £ MERCHANTS ST BK ARCHbOLO HUNTINGTON 8K OF CHILL1C0THECH1LL1CQTHE *3960»0 *396770 308968 655323 238860 1*61*32 8*329 5**50 198937 NC (8 IOOOS) *390036 CENTRAN BANK OF AKRON *390050 FIRESTONE BANK *390080 GOODYEAR BANK *393710 *393915 NY NY NY NY DURHAM DURHAM ENGELHARD FUUUAY—VARINA MINOT WILLISTON CO 35*162 NC LEXINGTON MUNROE' CO HY ASHEVILLE DAVIDSON HIGH POINT TRUST CO AND YORK YORK UTICA WELLSVILLE 6370065 BANK OF ASHEVILLE PIEDMONT BANK £. TRUST CO 5370*60 CENTRAL CAROLINA BK C TR CO 5370*85 MECHANICS AND FARMERS BANK 5370550 63706*0 EAST CAROLINA BANK 5370720 FIDELITY BANK 5370950 HIGH POINT BK 0 TR CO 5371155 T DEP LDCAtlOM NAME AMALGAMATED _ . . GROUPS) 566 -39 -800 ■ -1080 -1636 -5 -21 -566 -625 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis NONMEMBER EFFECT ON RESERVES (NO ADJUSTMENT FOR AFFl’LtAT'E (J l'OOOS)' BANKS BOARO AMENDMENTS NAME DSB 10403372 LOCATION CITY BANK E TRUST COMPANY VLTCSrt' T DEP TULSA TULSA OK OK 54623 218813 TULSA OK 67009 12410020 CITIZENS VALLEY BANK 12410133 WESTERN BANK ALBANY COOS BAY CORVALLIS EUGENE ' OR OR OR 86710 223145 12410143 CITIZENS BK OF OR UR OR 125414 59518 2B0149 OR 470058 OR OR OR 68472 45075 ALTOONA BALA CYNWYO BETHLEHEM COBLOOMSBURG BOWMANSTOWN 6R00KV1LLE PA PA PA PA PA PA PA 41493 59881 323299 PA PA 46545 87198 PA 117544 PA PA 86d49 51798 PA PA PA 58370 47078 50146 193199 10403375 F E M BANK ANO TRUST CO 10403422 REPUBLIC BANK E TRUST CO CORVALLIS 12410205 CITIZENS BANK CF OREGON 12410273 SOUTHERN OREGON STATE BANK 12410420 FIRST STATE BANK OF OREGON 12410527 OREGON BANK 12410600 COMMERCIAL BANK 12410613 WESTERN SECURITY 12410739 BANK OF PORTLAND SALEM SALEM BANK OREGON ' ’ 3420138 MIO-STATE 3420331 3420630 LINCOLN BANK UNION BANK E 3420684 3420738 BLOOMSBURG BK COLUMBIA TR TR1ECUUNTY STATE BANK BROOKVILLE BK & TR CO 4420873 3420918 4420925 BANK E GRANTS PASS MILWAUKIE 1 WUODBURN TRUST CO TRUST CO BRYN MAWR TRUST COMPANY FIRST SENECA BANK E TR CO BRYN MaWR BUTLER 3421044 3421060 LIBERTY DISCOUNT E SVG BK FARMERS TRUST COMPANY CARBONDALE CARLISLE 3421215 3421224 CHAM5ERSBURG TRUST COMPANY CHAMbcRSBURG F f. H TR CO OF CHAMBERSBURG CHAMBERSBURG 3421233 VALLEY BANK 3421278 3421395 6 TRUST CO CHAMBERSBURG CHELTENHAM BANK CLEARFIELD BK E TR CO CHELTENHAM CLEARFIELD 3421944 UNION BANKING E TRUST CO 3421962 FIDELITY DEP E DISCUUNT BK 3422061 4422376 LAFAYETTE TRUST BANk SECURITY PEOPLES TRUST CO ($ DU 60IS DUNMORE EASTON ERIE 4422385 UNION BANK AND TRUST CO 3422912 BK OF HANOVER E TR CO 3422916 FARMERS BANK AND TRUST CO NONMEMBER BANKS ' 8At 0 0 107 0 0 0 5627 540 1364 2434 881 0 0 0 0 0 0 0 0 0 2518 -2518 9741 833 -9741 0 0 0 0 0 0 0 2346 749 3347 7095 1263 70710 990 0 0 0' PA 287611 5777 PA PA 118061 1B4379 59072 1358 3418 0 0 0 0 0 0 PA PA 25668 80987 148607 757&O 97608 852 1239 0 0 0 0 0 0 0 0 52 5 1147 4824 650 794 92 7 808 1671 2727 646 871 533 LOCATION T OEP 3423015 3423240 4423492 9423520 3423528 1RJIN BAN. A ^SS;XTPaSv JNOUSTRIAL^VALLfcY bkT™ BORO JOHNSTOWN Ban!S TrSsT CO “■'““"I0"' FARMERS FIRST BANK JUHNSTOWN LANCASTER LANSFORD CO 4424245 KEYSTONE BANK 9424675 MARINE BANK 3425067 a* QF central Pennsylvania 3425085 MORRISVILLE BANK 3425230 COMMONWEALTH BANK E TR CO 9425454 PEOPLES BK OF WESTERN PA 3425660 CONTINENTAL BANK 9425790 NORTHWEST PA BK AND TR CO 3425B14 OLD FORGE Bank 3425922 VALLEY TR CO OF PALMYRA 3426025 BUCKS CTY BK E TR CO 3426174 FRANKFORD TRUST COMPANY 9426561 Al r.FlKJV 1/1 w rv—__ 4426741 3426885 342o903 9426925 PEOPLES BANK OF UNITY 3427171 CITIZENS E NORTHERN BANK AMERICAN 6K-7NDniR%SA^ PA ----- .... MIX H L BANK u,. A BANK OF UF PfNNw.v, PENNSYLVANIA 3427650 NORTH SCRANTON bK E TR CO 3427660 NORTHEASTERN BANK OF PA 3427191 3427205 3427665 3427704 3427722 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4982 -833 -4982 1312 13268 -1312 -13268 18153 2554 —18153 -2554 461 -461 1477 -1477 8467 -8467 -3461 -8394 -379 -411 -184 -2270 -17178 22 1541 473 -22 -1541 -473 2186 -2186 4680 2947 278 -4680 -2947 270 -270 -278 0 0 676 772 —676 -772 3974 0 0 0 0 5912 3710 -5912 -3710 1154 1225 0 0 0 0 1094 -1094 661 -661 631 5504 VLTCSH GROUPS1 RES BAL 8/15/78 TOTRR NEW RR DIF 968513 3423591 JOHNSTOWN BANK 3423798 FULTON bANK 3423690 FIRST VALLEY BANK 3423960 LtbANON COUNTY TRUST 3424176 0 0 0 0 -540 3461 8394 379 411 164 2270 17176 0 0 * -107 -5627 iOOOS) NAME 4423249 3423294 3423375 DIF 479 0 0 34346 NEW RR 1312 740 aFFiljate OSB toYrr 1132 PA PA ERIE HANOVER HANOVER 51303 RES 6/15/78 GROUPS)1 PENN SECURITY BANK £ TR CO WEST SIDE BANK SNYDER‘cOUNTy\ruST COMPANY 21110 90557 95519 57509 652 909 333 54115 1101092 880 532 I5o437 91263 -532 -91263 304468 6204 11695 2 5035 -25035 LEBANON 522765 LITITZ LOWER BURRELL MEADVILLE 52734 176437 -21110 - -31 -652 -409 -333 -880 -6204 -11695 63930 CASTLE 46612 194166 793 1102 NORRISTOWN GIL CITY 63447 1133198 OLD FORGE PALMYRA 255025 5154 1373 95793 58 576 12799 PERKASIE PHILADELPHIA 64246 148834 1033 -1033 576 133277 5213 6172 -576 -5213 MONTOURSVILLE MORRISVILLE moncy new 124152 2d3340 92262 53229 PITTSTON PLUM BORO R^J^ READING READING SCRANTON SCRANTON SCRaNTON 96953 92559 93214 93648 1202860 349082 50320 577924 121545 62349 50163 263292 97476 101436 414277 BA,„ 31 48 5180 4024 10212 3428179 central counties bank ttic\&R0VE 3428280 security bank e wikt m state college STRuuGSBUR& 9426618 FAYETTE BANK AND ^RUST^n pennsylvama* XTws? cXX"""’ 4428700 3926991 3429010 3429095 ~O»T„EAN CENTRAL • - 96521 50386 62087 970616 225566 618 1067 1032 507 1079 2699 51576 -48 -5180 -4024 -10212 -793 -1102 -5154 -1373 -45793 - -12799 -6172 -618 -1087 -1032 13919 -507 -1079 -2699 -51576 -13919 714 27809 -714 -27609 4945 2105 -4945 -2105 9 9304 3610 3397 -9 -9304 -3610 16459 -3397 -18459 1220 2 1646 -1220 —21646 9439 -9439 EFFECT ON RESERVES NONMEMBER BANKS DSB (» IOOOSJ BOARD AMENDMENTS LOCATION NAME 3*29128 3*29268 BK 3*29275 YORK BANK AND SOUTHERN PENNSYLVANIA BANK TRUST 1**0210 OLD STONE BANK 8/15/78 FOR AFFILIATE GROUPS) VLTCSH 0 0 1570 -1570 5089 PA 323bl7 7B09 0 0 121*1 -5089 -121*1 PROVIDENCE RI 137555 0 6929 -6929 RI 969*90 55*6 7625 0 PROVIDENCE 0 0 *1195 -*1195 0 0 0 1*37 -1*37 0 261 27653 AIKEN SC 6*818 2160 BEAUFORT SC **755 5*50301 5*5030* BANKERS TRUST OF SC ' COLUMBIA FIRST-CITIZENS BK AND TR CO COLUMBIA SC SC 568295 2*71** 1 620 1302* 5335 COMMUNITY BANK GREENVILLE sc *28*1 •< 773 sc sc 33*170 51057 LANCASTER sc 35329 11526 1**2 1037 LEXINGTON SPARTANBURG sc sc 6000* 51277 SD BANK OF 5*50875 5*51220 LEXINGTON STATE BANK SPARTANBURG BK AND TR CO LANCASTER 9*61530 FARMERS C MRCH BK ’ TRUST CO GREENVILLE GREER .5*50830 C WATERTOWN TR CO AND TRUST CO BARRETVILLE 1 0 0 0 0 0 0 0 0 *03 -32 7 —*03 796 -796 *6850 30* 0 0 28 -28 1893 586 -1893 -5B6 3 5621 -3 -5621 962 125 '296 -962 -125 -296 6 75* -6 -75* 75320 2825 0 0 70373 TN TN *0593 1*7316 750b* 0 0 CHATTANOOGA CHATTANOOGA 796 351 2571 6*70*30 FIkST TRUST AND SAVINGS BANKCLARKSV1LLE 6*70*40 NORTHERN BANK OF TENNESSEE CLARKSVILLE TN TN 6*70*60 CLEVELAND BANK 0 0 0 6*70300 CITIZENS BANK 6*70*00 PIONEER BANK 6*70*10 UNITED BANK OF CHATTANOOGA ANO CO CLEVELAND TRUST 6*70500 UNION PEOPLES BANK nonmember banks (i CLINTON IOOOS, TN 63217 6907* *6758 1077 0 0 0 0 0 0 0 TN 63196 1500 0 1897 818 1038 board AMENDMENTSF(NOT ON RESERVES ADJUSTMENT DSB -693 1223 1036 TN CO -8 -16213 693 327 0 TN AND TRUST 8 16213 0 0 0 CARTHAGE BK TRICCITY BANK 10130 0 0 TN 6*70180 -261 -27653 -10130 0 0 BLOUNTVILLE 8*70120 BARRETVILLE DIF 0 0 1135 FARMERS ANO MERCHANTS BANK SOUThERN BANK AND BANK OF GREER NEW RR 2729 BANK OF 5*50585 TOTRR 52112 157796 5*50085 5*50605 5*50630 BAL PA PA 5*50020 BEAUFORT RtS >' YORK COMPANY YORK TRUST COMPANY 1*40125 CITIZENS T DEP C WILLOW GROVE CO OF'OLD YORK RD C TR (NO ADJUSTMENT for affilia K 0 0 0 1 8/15/78 GROUPS, NAME LOCATION T 6*705*0 MIDDLE TENNESSEE 6*70550 CITIZENS BANK 6*70610 COLUf COOKE TIPTON CTY BANK 6*70960 GRFFwp"rnN C°UNTY BANK 6*71090 GREENE COUNTY bANK 6*71130 HA^, rr R0AN& CGUNTY 6*713*0 6*71*61 6*71*65 6*71*96 C0 6*71720 6*71800 BANK 0^AJ?5lLTttST 5880* 637 798 TN TN 6*01* 65106 63026 91230 TN 890 1**2 1291 16l 6 9 766 5 TN TN 5265* 99713 7**53 CCMPANY TN TN 132092 TN TN TN *5*52 53551 11**87 1562*3 TN 6*71950 MURFREESBORO BK and TR Nashville city b^c Jr bank of oak ridge G TR rn MURFKe co NASHVI OAK 6*72380 11*80068 in it; TN TN 158218 TN TN 81517 13GzOb TN 57991 "0KR1; rr *8139 86B0* *31*97 KN<JXV 8*71850 6*71865 6*72165 8*72220 TN TN TN TN 6*71*98 6*7z0*0 6*7<092 52138 59970 TN TN HARR 6*71*30 6*71*35 LEBANON BANK 56332 TN 52607 TN 60*10 11*80120 ALVIN STATE BANK ALICE 11*3025* ARLINGTON BANK £ 11*803*5 BANK OF AUSTIN 11*80373 NORTH AUSTIN STAT 11*80375 TEXAS STATt BANK ARLINGTON AUSTIN TX AUSTIN TX TX 62761 TX TX 86*83 57536 11*80535 BEAUMONT STATE BA HRST bK G TR BYK 11*81035 11*81265 DALLAS 11*81662 ALLIED 11*61725 GT Z ST 11*817*5 15>T ST COUNTY STA CONROE BAN. BK OF CURPi BK QF CORP! 11*817*9 PARKDALE STATE BAT 11*61969 BANK OF DALLAS https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis VLTCSH TN TN COVIK FRANK 6*71353 6*71360 6*715*5 DEP RES BAL TOTRR NEW RR BANK * alvin AUSTIN ,|, bEAUMONT BRYAN Carrollton CONRQE CORPUS CHRISTI CORPUS CHRISTI corpus Dallas Christi TX TX TX TX TX TX TX TX TX 80139 530*5 130679 5*993 69398 *52*3 63262 99199 52035 511*,; *6*21 DIF >76* I- 1558 ,1 57 161 • • « -1 -57 303 72 5 1-161 -303 -72 5 122 1*27 -122 -1*27 1*36 11** 1201 1057 1b03 6*0 1570 798 -796 1*108 138 2315 1629 1031 1*817 *2*3 -138 -2315 -1*617 -1201 10b —108 -1803 —*2*3 1513 3*b -3*6 . lb*7 28** ** 2662 -** -2662 1779 1275 *695 -*695 6023 -6 02 3 -205 -1*12 -3105 2 05 1*12 3105 16b* 902 929 70* 1157 68* 703 1133 785 1810 **5 *56 1352 1015 559 12*2 536 90* 550 0 0 0 0 0 0 0 o 0 0 0 0 0 0 53 -53 17 352 -17 -352 0 *93 68 393* 0 0 -68 -393* 76 711 0 -76 -711 62 7 1160 -62 7 -1160 *38 8* 207 2563 —*38 -8* -207 -2563 23 902 -23 -902 o 0 0 0 0 0 o 0 —*93 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis NONMEMBER BANk!> 11481970 11481998 11482017 1$ lOOOSJ AMERICAN BK DALLAS t lOCAtiON NAME DSB 8/15/78 EFFEtt ON RESERVES , . • BOARD AMENDMENtS INO ADJUSTMENt tOR AFFILIATE GROUPS) 8 TR CO" BANK INTERNATIONAL DALLAS' ' OALLAS 1 ’ TX DALLAS TX TX TX TX BANK FIRST CITIZENS DALLAS 11482030 GRAND AVENUE BANK DALLAS 11482035 GREENVILLE AVE BANK 8 TRUST DALLAS 11482038 GROVE STATE BANK DALLAS 11482041 GUARANTY BANK DALLAS 11482050 LAKEWOOD 8ANK 6 TRUST CO 65782 90379 50397 59736 59857 28182 TX 1 ' ' 1 ' TX TX TX DALLAS MERCHANTS STATE BANK DALLAS 11482081 NORTH DALLAS BK 8 TR CO 1148c083 OAK CLIFF BANK AND TRUST CO DALLAS DALLAS 11462084 PARK CITIES 6K AND TR CO OALLAS 11482096 PRESTON STATE BANK DALLAS 11482117 TEXAS AM BANK DALLAS NORTH DALLAS 11482124 WHITE ROCK BANK OF DALLAS DENTON 11462250 FIRST STATE BANK EDINBURG 1 1 11482470 FIRST STATE BANK 8 TRUST CO EL PASO 11482563 FIRST STATE BANK FARMERS BRANCH 11482695 CENTRAL BANK ANO TRUST CO tilEW RR V'OTRR 496 974 1 792 DIF 124$ -1249 1020 -1020 439 1027 -439 -1027 -972 -94 -128 ‘390 ’ 911 972 94 ; 128 990 1116 1188 2707 4025 1503 2619 4897 603 2034 -4897 -2034 2013 1231 8800 4461 -8800 -4461 62202 41167 594o6 53318 91879 519 574 681 44 7 571 418 ' 607 42 1430 376 226 532 358 -1430 -376 -226 -532 -358 797 778 2332 1247 -2332 -1247 ’ 700 35 205081 141892 TX TX TX TX RfeS BAL 811 559 72033 133299 70178 87919 137136 TX TX 11482075 VlVcsh DEP 38383 69095 -4025 -1503 -2619 -42 FORT WORTH TX TX TX TX TX FORT FORT WORTH WORTH TX TX FORT 11462870 NORTH FORT WORTH BANK FORT 11462873 RXDGLEA BANK RIVcRSIDE STATE BANK " ' FORT 11482875 FORT 11482876 SOUTHWEST BANK TX COMMERCE BANK OF FT WORTHFORT 114b2890 WORTH TX 71490 65084 WORTH TX TX TX 93540 68945 36799 1030 427 546 35 -35 TX TX TX 56194 77936 1296 699 461 64 7 257 1625 -257 -1625 11462825 11462626 11482827 BANK OF COMMERCE BANK OF FORT WORTH CENTRAL BANK AND TRUST 11482893 UNIVERSITY BANK 11463330 GRAND PRAlRlc STATE 11433764 HALTOM CITY HARRIS COUNTY HOUSTON HOUSTON ALLIED MEMORIAL BANK AIRLINE COMMERCE BANK HOUSTON HOUSTON 11463767 ALLIED AMERICAN BANK 11483795 CHEMICAL BANK 8 TRUST CO 11483802 CULLEN CENTER BANK 8 TRUST 11463803 COMMERCIAL STATE BANK END STATE 11463805 EAST 11483808 11483617 FANNIN BANK FIRST CITY BK—GULFGATE WORTH FORT WORTH GRAND PRAIRIE BANK 11483495 HALTOM CITY STATE BANK 11463573 CHAMPIONS BANK 11483778 ALLIED BANK OF TEXAS 11483779 WORTH WORTH HOUSTON HOUSTON HOUSTON ___ TX i . 11483818 11463623 FIRST STATE B8TC OF HOUSTON HOUSTON HOUSTON 11483826 GREENWAY SANK AND TRUST HOUSTON 11483827 GALLERIA BANK NONMEMBER ($ BANKS DSB NAME HARRISBURG BANK 11483842 GREATER HOUSTON BANK 11463850 HEIGHTS STATE BANK 11483680 INDUSTRIAL ST BK OF HOUSTON 11483684 MERCANTILE BANK OF HOUSTON 11483886 main bank of Houston 11463900 MEDICAL CENTER NORTHWEST bANK 11483903 11483904 NORTH SIDE BANK OAK FOREST BANK Houston PORT CITY STATE BANK RtAGAN COMMERCE RIVER OAKS BANK BANK AND TRUST 11463912 POST OAK 11463920 11463922 SOUTH MAIN BANK SPRING BRANCH oANK TOWN 6 COUNTRY BANK , , , HOUSTON 11463955 UNION BANK OF HOUSTON 11463960 UNIVERSITY STATt BANK 11483965 WESTERN bANK 11464060 IRVING BANK AND TRUST CO 11464065 SOUTHWEST BANK ANO TRUST CO 1 484330 CHAS SCHREINER BANK 11464575 1NTL BK OF CMRC OF LAREOO 11484645 LEVELLAND STATE BANK SAN JACINTO STATE BANK SAN ANTONIO 11467965 11487975 SOUTHSIDE STATE HILLCREST STATE 11487980 FIRST STATE bANK £ BANK OF -9658 539 966 591 639 -591 -839 1039 703 1586 741 -1586 Mil rxcdCMtO DEP 67861 76516 TX TX 92906 71959 TX TX TX 64070 65946 62 72 5 54240 VLTCSH 455 110 7 NEW RR 0 0 1320 -1320 0 0 0 0 0 0 0 0 0 0 657 2282 1550 935 -657 -2282 -1550 0 722 2012 0 0 45 969 DIF -935 -45 -969 43052 440 0 0 0 0 TX 197336 112638 771 562 0 0 0 0 5950 3088 -260 -5950 -3088 705 544 0 0 0 0 1011 2423 -2423 TX 45066 HOUSTON HOUSTON TA TX 56754 22 7 HOOSTON IRVING IRVING TX TX TX TX 6912 5 125847 639 628 114363 73512 566 73 7 79213 506 808 720 UVALDE TOTRR 0 0 0 HOUSTON 0 0 0 0 0 0 0 0 578 260 0 0 0 0 0 0 412 369 1560 2525 3556 2777 -722 -2012 -578 -1011 -3556 -412 -369 -1560 -2 52 5 -2777 -1424 -1043 0 0 1424 1043 0 0 0 489 175 28 -489 -175 65 7 0 0 0 TX 68414 156758 1287 641 1663 0 0 0 4645 1727 -4645 -1727 TX TX TX 0 0 0 3736 61b57 124752 159738 772 655 3853 0 0 0 0 413 2711 -3736 -413 -2711 TX 66555 113584 42114 614 902 0 0 0 0 0 4641 766 TX TX TX 69112 65464 57792 TX TX 181251 TX TX TX TX TX TX TX TX P -741 1294 842 61 47280 1135 543 ANTONIO BAL 639 656 305 96815 117277 PASADENA RES -1202 8/15/78 GROUP 692 546 1630 2149 60428 KERRVILLE LAREDO 430 5469 (NO ADJUSTMENT FOR AFFILIATE TX TX TYLER UNIVERSITY UVALDE -1629 TX TRUST CO SAN BANK BANK 1629 9658 1202 HOUSTON ALLIED MERCHANTS BANK PORT ARTHUR SABINE BANK PORT ARTHUR 11486280 FIRST STATE BANK 6 TRUST CO PORT LAVACA 11466520 CITIZENS BANK , RICHARDSON 11486525 FIRST bANK ANO TRUST RICHARDSON 11466936 CENTRAL PARK BANK SAN ANTONIO 11466990 HARLANDALE BANK SAN ANTONIO 11486993 HIGHLAND PARK STATE BANK SAN ANTONIO 11467023 167 940 971 1010 HOUSTON HOUSTON LEVELLAND 11484615 LONGVltW BANK AND TRUST CO LONGVIEW 11464675 AMERICAN STATE BANK , LUBBOCK 11484920 FIRST bANK ANO TRUST • LUFKIN 11484965 MC ALLEN STATE BANK MC ALLEN 11485385 COMMERICAL BK 8 TR CO MIDLAND 11465606 AMERICAN SANK ODESSA 11466070 FIRST PASADENA STATE BANK PASADENA 11486075 11436258 11466275 664 TX TX TX TX HOUSTON COHOUSTON BANK 34726 87187 -430 -5469 -187 56167 65011 50120 TX TX hOOSTON HOUSTON 11463905 11463932 HOUSTON BANK HOUSTON HOUSTON AND TRUST HOUSTON 11463906 11463908 960 TX TX TX TX -2117 -1192 257561 T HOUSTON HOUSTON HOUSTON HOUSTON -20 -555 -71 -20407 -1013 551 '409 TX LOCATION 20 555 71 20407 74694 64903 60207 46748 BOARD AMENDMENTS -877 -2426 -1242 1013 2117 1192 1017 243840 TX TX 1.1 I uv « lOOOS, 11483840 11433867 i i 669 6145 641 688401 78304 109699 TX TX TX TX HOUSTON HOUSTON HOUSTUN BANK 51985 49539 48527 TX TX TX TX TX 877 2426 1242 TX TX TX TX 43722 100307 50427 65908 36144 91116 97b03 63624 52466 72448 473 414 0 0 0 0 0 1501 93 -28 -464 1 — 766 -1501 6 1763 -93 -o -1786 349 -34 9 557 771 0 0 0 0 720 0 0 0 657 -657 0 0 61 2035 -61 -2035 775 609 35 7 479 66 5 546 0 0 o 0 0 GO to 0 1032 -1032 0 0 353 433 0 343 -353 -433 -343 GO OC 8/15/78 EFFECT ON RESERVES BOARD AMENDMENTS INQ ADJUSTMENT FOR AFFILIATE NONMEMBER BANKS IOOOS) ($ 11488085 AMERICAN BANK OF COMMERCE 11488415 PARKER SQUARE STATE BANK 12490280 COMMERCIAL SECURITY BANK 12490413 FIRST SECURITY STATE BANK 12490530 CENTRAL BANK E CO TRUST BURLINGTON BURLINGTON 5510050 DSB BANK OF EVERETT 12530310 OLYMPIC BANK 12530710 KITSAP COUNTY BANK 12531000 WASHINGTON TRUST BANK 12531125 FIRST INDEPENDENT BANK 5540050 BANK OF RALEIGH 5540210 FIRST BANK OF CEREDO 5540225 BANK OF WEST VIRGINIA 5540300 LOWNDES BANK 5540370 BANK OF DUNBAR 5540638 SECURITY BK OF HUNTINGTON 5540640 TWENTIETH STREET BANK 5540920 FARMERS AND 4540960 5541050 5541090 5541195 MERCHANTS BANK MERCANTILE BANKING C CMRC BANKING C TRUST WOOD COUNTY 3ANK MERCER COUNTY BANK 4541560 BANK OF 4541565 PEOPLES 4541675 MORRIS TR CO CO WfclRTON BANK PLAN BANK C TRUST CO 7550160 OUTAGAMIE BANK 7550163 VALLEY BANK 7550420 BELOIT STATE BANK 7550658 MCI WEST SUBURBAN BANK 7551120 CUDAHY MARINE BANK 7551840 GRAFTON STATE BANK 7551895 FIRST WI BK UF GREEN BAY 7551910 PPL MRN BK OF GREEN BAY 7551920 WEST BANK ANO 7551990 STATE TRUST BANK HALES CORNERS 7552210 MERCHANTS AND SAVINGS BANK https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis LA 9552470 STATE BK 7552688 AFFILIATED BK OF HILLDALE OF -519 434 9227 -434 -9227 219056 291109 240255 13620 10072 -13620 -10072 3774 1618 2382 -1618 —2382 71662 79796 1008 163 181 51980 50736 49689 47412 262 49041 198332 124095 ^62670 CROSSE EPHRATA EVERETT •/.(• PRINCETON WEIRTON WEIRTON WHEELING APPLETON APPLETON BELOIT i• WA WV WV wv wv wv wv wv wv wv wv wv wv wv wv BROOKFIELD WI Wl WI WI CUDAHY GRAFTON Wl WI GREEN BAY GREEN BAY -9792 -3697 142 1048 11922 -142 -1048 —11922 655 -655 337 -337 DEP Wl WI 49030 171742 133243 VLTCSH • BAL 8/15/78 TOTRR NEW RR DIF 425 0 176 O 0 109 1558 -109 -1558 847 2195 0 0 0 5719 742 7033 -5719 -742 -7033 34U4 0 4604 -4604 -176 110425 47245 2088 0 0 551 1764 -1764 0 88439 114369 756 1148 43447 55 1633 2954 690 1465 0 0 0 0 0 -55 -1633 -2954 69 84 2206 2431 - -84 -2206 -2431 53633 92563 81341 1162 1056 40147 46605 61594 744 ' 691 573 39136 54039 45978 699 760 829 94 7 61413 0 0 0 0 0 0 0 0 0 0 61222 125418 837 1404 80998 1890 0 0 0 46^16 529b7 35714 461 0 660 32 6 0 o 581 0 0 51565 130391 WI 112589 HALES CORNERS 1084 1551 Wl 51837 JANESVILLE LA CROSSE 1126 Wl WI 84058 Wl RES GROUPS) 961 1164 2235 GREEN BAY MAOISON -8744 -6333 9792 3697 79713 169259 WV MOUNDSVILLE PARKERSBURG PARKERSBURG -121 —9262 -4376 -175 -4103 WA WA HUNTINGTON MORGANTOWN 121 9282 4376 8744 4103 46189 42348 VANCOUVER DONbAR HUNTINGTON -181 -262 42413 134299 WA WA WA WA CHARLESTON CLARKSBURG 4- 57671 EVERETT PORT ORCHARD SPOKANE BECKLEY CEREDO W -1008 -163 8333 175 65382 289838 57365 T CHEHALIS -3774 234720 240911 147284 41031 LOCATION 12530140 SECURITY STATE BANK 12530305 SECURITY BANK OF WASH 12530308 -12392 -184 EFFECT ON RESERVES BOARO AMENDMENTS (Nu ADJUSTMENT FOR AFFILIATE NAME -1308 -222 55307 PROCTOR ST ALBANS IOOOS) ($ 1308 222 100082 BURLINGTON 5510181 FIOELITY AM BK CHARLTTSVLL CHARLOTTESVILLE 5510480 COLONIAL BEACH 5510650 BANK OF WESTMORELAND FAIRFAX 5510935 GUARANTY BANK E TRUST CO FAIRFAX CTY 5510943 BANK OF VIRGINIA-POTOMAC GRUNOY CUMBERLAND BANK AND TRUST 5511260 HERNDON 5511368 ARLINGTON TRUST CO INC MCLEAN CLARENDON BANK E TRUST 5511635 NEWPORT NEWS FIDELITY AM BK HAMPTON RDS 5511900 UNITED VA BK / CIT2 E MARINENEWPORT NEWS 5511910 BANK OF VIRGINIA-EASTERN NORFOLK 5511948 FIRST VA BANK OF TIDEWATER NORFOLK 5511960 BANK OF VIRGINIA-PETERSBURG PETERSBURG 5512103 CITIZENS TRUST BANK PORTSMOUTH 5512160 BANK OF VIRGINIA-SOUTHWEST ROANUKc 5512444 FIDELITY AM BK VA BEACH VIRGINIA BEACH 5512925 COMMERCIAL AND SAVINGS BANK WINCHESTER 5513060 BANKS 0 0 DIF 46078 BURKE E HERBERT BK ANO TR COALEXANDRIA PLANTERS BANK E TR CO OF VA AU6US^_S?^’* NONMEMBER NEW RR 314918 66461 SPRINGVILLE 1500200 CHITTENDEN TRUST COMPANY TOTRR 53983 OGDEN SALT LAKE CITY BARRE BRATTLEBORO RES BAL 97070 VICTORIA WICHITA FALLS 1500020 GRANITE SAVINGS BK E TR CO 1500145 FIRST VERMONT BK E TR CO 1500230 HOWARD BANK 1500240 MERCHANTS BANK 1500560 PROCTOR TRUST COMPANY 1500650 FRANKLIN-LAMOILLE BANK VLTCSH T DEP LOCATION NAME DSB GROUPS) 0 0 0 0 0 0 0 0 0 i i 67 266 538 -69 -67 -266 -538 -98 -431 98 431 55 985 -55 -985 187 3090 1310 -187 -3090 -1310 654 462 -654 -462 0 60 178 3754 -60 -178 -3754 0 0 0 0 0 0 0 0 0 0 0 0 2487 -2487 1091 0 0 42435 0 0 651 1584 70a -651 -1584 0 84116 0 1215 78 -78 0 0 1930 -1930 M Cn NONMEMBER BANKS '($ EFFECT ON RESERVES BOARD AMENDMENTS <NO ADJUSTMENT FOR lOOOSl T DEP COCATION NAME DSB AFFILIATED BK OF MADISON StCRTY MRNE BK OF MADISON MADISON MADISON 7552755 UNITED BANK 6, TR OF MADISON MADISON MENOMONEE FALLS 7553050 FARMERS ANO MERCHANTS BANK MILWAUKEE ‘ • 75531*»5 BANK OF COMMERCE MILWAUKEE 7553155 CAPITOL MARINE BANK MILWAUKEE 7553209 HERITAGE BK OF MILWAUKEE 7552700 7552750 7553230 KILBOURN STATE BANK 7553250 LINCOLN STATE BANK 7553275 MILWAUKEE WESTtRN BANK 7553280 MITCHELL STREET STATE BANK 7553300 PARK STATE BANK 0 0 0 0 0 0 0 1606 2582 1221 -1606 —2582 —1221 431 -431 -2377 498 -498 0 0 0 0 0 2680 177 -2680 -177 0 0 0 0 2100 2464 401 -2100 -2464 -401 '46247 96667 767 767 32154 40596 334 480 776 475 0 0 0 WI - WI 83770 35371 MILWAUKEE WI WI WI 69820 0 0 0 0 o 739 1464 458 . 86685 58322 -223 41238 602 0 0 l 77 -77 1 816 651 > 535 897 525 599 0 0 0 0 0 0 0 0 0 0 -19 -1100 0 0 0 19 1100 138 511 6bb 71 1302 48 7 0 0 0 499 1652 113 -499 -1652 1866 0 0 454 72149 58118 41595 46183 49972 28323 37787 111691 0 0 85062 99514 59279 836 1036 WI 391 0 0 0 0 WY 57284 1 400 0 WI WI 2377 223 DIF ' 46032 41568 WI WI WI WI SHERIDAN -3137 -1324 78642 i 91112 56997 WI WI WI 10560480 BANK OF COMMERCE 1324 0 WI HERITAGE BANK 3.137 <0 1810 1 927 772 398 Thiensville 7554930 COLONIAL STATE BANK WAUKESHA WAUKESHA STATE BANK FIRST W1SC0NSN BK OF MAY FAIRWAUWATOSA 7555485 0 0 2107 MILWAUKEE MILWAUKEE WAUWATOSA WEST ALLIS WHITEFISH BAY WIND POINT NEW HR 68662 WI WI WI WAUWATOSA STATE BANK WEST ALLIS STATE BANK HERITAGE BK OF WHTF1SH BAY TOTRR BAL 128914 VALLEY BANK OF OSHKOSH OSHKOSH OSHKOSH WESTERN STATE BANK 7553890 WAUKESHA COUNTY MARINE BANK PEWAUKEE RACINt 1 7554145 BANK UF ELMWOOD RACINE 7554170 NORTH SIDE BANK SHOREWOOD 7554575 NORTH SHORE BANK 7554630 SOUTH MILWAUKEE MARINE BANK SOUTH MILWAUKEE 7555210 7555341 7555350 7555380 7555450 RES WI WI WI WI MILWAUKEE MILWAUKEE 7553823 7553825 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis VLTCSH GROUPS') WI WI WI WI WI MILWAUKEE 7553340 WISCONSIN MARINE BANK 7553390 COMMERCIAL AND SAVINGS BANK MONROE 8/15/78 AFFILIATE 4619 2133 0 0 0 3022 1151 -138 -511 -666 -71 -113 -4619 -2133 —3022 -1151 8Z15/78 DIF 13147 4850 16803 8616 5555 5636 6385 4269 6818 7865 8206 5510 8447 6766 5304 6551 8750 10907 7900 27535 32578 FIRST NAT BK OF EL DORADO EL DORADO C«TV smith k: as £*™s - - t;;i- s; AR 80675 AR AR AR AR 90717 107889 135717 132692 AR 2261 172 5 113883 AR AR AR 1051 1936 3713 3226 4764 5162 1726 3778 5504 1848 8352 5980 193874 241815 6091 4255 3714 449 2593 1664 2168 2686 5562 938 216249 9805 12195 11973 14881 3362 10342 4431 6734 13704 6234 73 4691 370 4792 5055 5759 4316 4624 7542 8147 7470 W Ci MEMBER BANKS OSB ($ EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE lOOOS) NAME LOCATION 8051190 WORTHEN BANK £ 8051558 TRUST FIRST AMERICAN CO LITTLE ROCK NA AR AR AR NATIONAL BANKN LITTLE ROCK 6051660 NAT BK OF CMRC OF PINE BLUFFP1NE BLUFF 6051690 SIMMONS FIRST NATIONAL BANK PINE BLUFF 8052020 ST FIRST NAT BK OF TtXARKANATEXARKANA AR AR VLTCSH RES BAL TOTRR NEW RR 16363 26 365649 83796 8197 2183 14479 2267b 2546 119367 171139 120763 2002 3460 452x 5864 4729 6523 3342 3007 9324 6349 DIF 1293 3902 6313 4701 5230 5422 1566 4783 12060072 AMERICAN NATIONAL BANK 12060073 COMMUNITY NATIONAL BANK BAKERSFIELD BAKERSFIELD CA CA 177526 2247 10217 12464 108285 12060115 CITY NATIONAL BANK 12C603b0 FIRST NB OF SAN DIEGO CTY BEVERLY HILLS ESCONDIDO CA CA 2646 17530 3925 25954 6571 6613 1700 5851 4871 713651 43484 32819 10665 65bZl GLENDALE CA 1920 2684 4804 679 4125 83744 155075 971 4318 2131 10980 5465 6668 5289 7596 685 35 62 17848 13421 4604 4034 4427 508666 1794 12 680117 240847 638346 168720 41771 72127 12060463 VALLEY NATIONAL 12060560 FLM BK 12060600 FRM BANK OF CENTRAL CALIFORNIALOD1 C MRCH BK OF 12060755 CA LONG BEACH LONG BEACH 12060730 SECURITY PACIFIC NAT 12060750 UNION BANK BANK UNlTEO CALIFORNIA BANK CA CA CA LOS ANGtLES CA 6683239 171251 61435 102569 CA CA CA 343121 445690 376279 69411 441435 192489 141367 77264 5562 18750 2556 1236 1747 24302 11041 7864 18655 6808 72282 36754345 1935 423717 6486 6648 2740 2217 3727 218 323 5747 5233 4157 4269 3829 1910527 280025 1947938 6657013 10521696 28329 120360 78267 5830 106250 442167 564917 17901 3215 7167 16116 104682 38549 4212 4676 4255 12061015 COMMERCIAL £ FARMERS NAT BK OXNARD 12061285 VALLEY NATIONAL BANK SAUNAS 12061400 BANK OF AMERICA N T ANO S A SAN FRANCISCO CA CA CA 12061410 BANK OF CALIFORNIA N A 12061450 CROCKER NATIONAL BANK 12061505 HELLS FARGO 3ANK N A SAN SAN SAN FRANCISCO FRANCISCO FRANCISCO CA CA CA 12061530 FIRST NAT BK OF SAN JOSE 12061625 SANTA BARBARA NATIONAL BANK 12061640 COUNTY BANK OF SANTA CRUZ SAN JOSE SANTA BARBARA SANTA CRUZ CA CA CA 12061928 BANK SECURITY NATIONAL WALNUT CREEK CENTRAL MEMBER BANKS DSB BANK AND TRUST CO DtNVER lOOOS) ($ 3559120 420835 117345 224034 CA 10080100 FIRST NAT BK IN BOULDER BOULDER 10080120 NATIONAL STATE BANK OF BOULDER 1003C270 COLORADO SPRINGS NATL COLORADO SPRINGS 10080280 EXC NB OF COLORADO SPRINGS COLORADO SPRINGS 1008O290 FIRST NB OF COLORADO SPRINGSCULuRADO SPRINGS 10080350 AMERICAN NS OF OENVER DENVER 100B0360 280332 11896344 LOS ANGELES LOS ANGELES 12060938 CENTRAL BANK NAT ASSOC IAT1ONuAKLAND 12060960 FIRST NATIONAL BANK L TR CO ONTARIO 12C60970 FIRST NAT BK OF ORANGE CTY ORANGE 161273 NAME CONTINENTAL NATIONAL 10060670 10080684 fiRjT national bank BK OF BANK 2090100 DENVER DENVER PUtBLO 1374 5026 6400 2145 1016 2592 3305 3525 162016 3820 5174 361 1893 3698 4521 3638 co co 1911 4772 3608 4882 5731 303 1357 co 64889 89778 104495 168648 1129 CU 430107 5Oo5 7972 19846 4843 16133 4258 8798 BANK OF CONN 5110010 AMERICAN SECURITY BANK NA WASHINGTON 5110115 KA01SUN NATIONAL BANK WASHINGTON 5110130 bANK Oh WASHINGTON WASHINGTON 511016U ^V1NtS C ^UST CO WASHINGTON 5110170 RIGGS NB OF WASHINGTON OC WASHINGTON 5110190 SECURITY NATIONAL BANK OF WASH WASHINGTON WASHINGTON 6120093 BOCA RATON NAT BANK 6120095 FIRST BGTC OF BOCA RATON NA 6120110 ELLIS FIRST NATIONAL BANK 61/Sf™ 2J? CITY NAT IONAL BANK 0120120 SOUTHEAST N B OF BRADENTON 6U0200 FIKST NAT BK Of 9946 9101 24931 6248 8/15/78 DEP VLTCSH 97290 92868 77311 RES BAL TOTRR 3194 21698 3848 25560 49091 45079 56351 50994 3468 3782 4179 4244 4437 5404 6657 4123 8075 4934 4031 2566 4789 NEW RR DIF 3623 8400 14325 10734 4121 3827 4047 4974 4618 4539 4338 4534 BANK BRIDGEPORT BRIDGEPORT AMERICAN NATIONAL BANK HAMDEN CONNECTICUT BK AND TRUST CO 1090590 HARTFORD NAT BANK AND TR CO HARIFORO HARTFORD 1090970 NEW BRITAIN NATIONAL BANK NtW BRITAIN UNION FIRST NB 11C37 8788 124930 75064 100750 144081 FORT COLLINS FORT LOLLINS GREELEY 1090522 1090525 5110195 8155 7141 6667 3601 3870 CO 667b52 79669 ENGLEWOOD CONNECTICUT NATIONAL STATE NATIONAL 16bl6 5961 603466 2464o 7016 1647 72312 489796 999045 DENVER ENGLEWOOD ENGLEWOOD °F FT C0LLINS NA GREELEY NATIONAL BANK FIRST NAT BK OF DENVER OENVER PUEBLO 2090135 122366 546849 LOCATION 10080572 10080600 1008GO1O 10081280 94 037 426489 525199 4152 2198652 CO CU T IRST NAT 1055 2862 1774835 4487 EFFECT ON RESERVES HOUSE CUMMITTEE ALTERNATIVE 10080362 CHERRY CREEK NATIONAL BANK 10060380 COLORADO NAT BK OF DENVER 10080450 FIRST NAT BK OF OENVER 10060510 UNITED BANK OF DENVER NA 10060512 UNIVERSITY NATIONAL BANK https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis DEP T 8/15/78 CT CT CT CT CT CT 519240 20001 539863 11381 8258 31382 25289 38149 72509 1984706 1178 33557 1534864 2517 62219 37405 33547 3695 95776 56605 24989 312 73885 3383 21891 4043 94010 897 4940 65875 1230 28135 3710 86323 973294 102154 576365 332614 1327375 76700 446227 16625 52616 2216 16474 5359 24501 6945 22364 15626 74 b 65 1671 12602 3542 18754 69241 7575 59931 9310 1811 28332 5764 12643 97229 14791 7312b 5213 31356 24101 787 20113 4426 11243 40975 22571 80CA RATON BOCA RATON BRADENTON BRADENTON BRADENTON CLEARWATER 104846 136795 107523 -6767 8558 5660 7199 102159 6106 80152 127605 4365 4663 6b6l 7780 MEMBER BANKS DSB ($ EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE IOOOS) NAME 61202AO 6120380 6120393 FLGSHP 1ST LOCATION CORAL GBLESCORAL GABLES NB OF SUN FIRST NB OF DELRAY BCH SUN FIRST NB OF DUNEDIN DELRAY BEACH DUNEDIN 6120425 AMERICAN NATIONAL BANK 0 TR 6120430 CENTURY NAT BK OF BROWARD 6120432 CENTURY NB OF CORAL RIDGE 6120440 LANDMARK 1ST NB IN 6120460 FIRST NAT BK IN FORT MYtRS 6120491 T FORT FORT LAUDERDALE LAUDERDALE FORT LAUDERDALE FORT LAUDERDALE .FORT . .................. MYERS ATLNTC 1ST NB OF GAINESV1LLEGAINESV1LLE FIRST NB OF GREATER MIAMI HIALEAH 6120574 6120590 FIRST NAT BK OF HOLLYWOOD HOLLYWOOD 6120620 AMERICAN NB OF JACKSONVILLE JACKSONVILLE 6120630 ATLANTIC NB OF JACKSONVILLE JACKSONVILLE 6120640 BARNETT BK UF JACKSONVLLE NAJACKS0NV1LLE 6120650 FLA 6120653 6120610 JACKSONVILLE NATIONAL BANK JACKSONVILLE 1ST KRNE NB C TC OF LK NORTHLAKE WORTH FIRST NB OF JACKS0NV1LLEJACKSONVILLE 6120900 CITY NATIONAL BANK OF MIAMI MIAMI 6120915 6120932 6120937 OARNETT BANK OF MIAMI NA FIRST STATE BANK OF MIAMI FLAGSHIP NB OF MIAMI MIAMI MIAMI 6120950 FLORIDA NAT ROYAL TRUST MIAMI 6120977 6120979 BANK OF MIAMI BK OF MIAMI NA MIAMI 6120988 6120999 MIAMI REPUBLIC NAT BANK CF MIAMI MIAMI SOUTHEAST 1ST NB UF MIAMI MIAMI JEFFERSON NB OF MIAMI BEACH MIAMI BEACH 6121010 flagship ist nb of miami bchmiami beach 6121025 6121068 SOUTHEAST FIRST N B OF M1AMIMIAMI SPRINGS FIRST NAT BANK C TRUST CO NAPLES 6121075 ELLIS 1ST MB OF NtW PT RCHEYNcW PORT RICHEY 6121091 BARNETT BANK OF OCALA NA OCALA 6121112 SUN BANK OF OCALA OCALA 61cl140 SUN FIRST Nb OF ORLANDO URLANDO 6121142 6121180 PAN AM BANK OF ORLANDO NA FIRST NAT BK IN PALM BEACH 6121275 6121316 FIRST NB OF BROWARD FIRST NATIONAL BANK 6121350 CENTURY 6121356 1ST PTRSBRGST PETERSBURG 6121360 FLAGSHIP BK OF ST PtTES NA ST FLORIDA NB AT ST PETERSBURG ST 6121370 LNDMRK UTB OF 6121397 6121407 6121425 6121440 MEMBER BANKS 8488 4149 4339 FL FL 252051 92430 FL FL 434279 180429 8863 4081 16443 14642 5110 29108 10292 1621 25317 4730 8561 4355 2989 4621 5584 50o8 6 747 6591 868 2297 2157 4350 3489 3791 4206 4220 FL FL 78242 FL FL 119338 106667 89042 298551 263382 FL FL FL 3125 10 944 4297 15816 283650 12551 15792 10586 FL FL 100922 101001 14627 5266 3551 14666 12 165 5289 22991 FL FL 344499 263160 FL FL 128356 101500 4206 5036 7224 7253 FL FL 212465 117676 10635 6441 8898 10990 7789 5056 6425 72573 FL FL 150424 1409703 FL 82724 FL 215043 FL FL 86644 94358 94974 77312 92741 729 2497 4707 5436 8961 1145b 5658 4114 FL FL FL FL 99 895 20965 FL FL 106 8335 7860 4552 3957 FL 3831 2099 2126 1007 1172 4B72 324 1 4041 330 1738 8325 4038 3018 2217 3046 1385 2473 955 1086 1747 854 11936 7790 7801 5596 6626 5413 3487 9280 5889 5705 183 1802 13711 16203 10314 1519 83513 2015 3363 2249 3043 5238 7472 4192 69626 1989 13667 3447 6471 lol9 1541 35 4987 5855 123j6 16730 1104 192786 201085 2163 4041 912 3554 10 129 8050 4658 12292 12091 3688 46 00 14 69 3131 7588 3495 4093 1601 3318 3057 674 3984 3819 1175 1023 3971 7356 4658 4994 14768 6132 2461 3131 4092 4741 863b 237 3403 4351 4380 574 7 4270 FIRST NAT BK OF SOUTH MIAMI FIRST NAT BALK C TRUST CO SOUTH MIAMI STUART 97467 69461 118597 977 1396 VLTCSH 4994 3659 3682 3967 4530 8101 4231 3855 3944 3875 797 505 2182 EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE T DEP 3880 8002 896 1580 FL FL NATIONAL 4430 4434 3443 477276 80654 7412 1631 1610 location 6018 3561 2170 3170 3845 87144 103348 FL DIF 6613 5200 3917 4066 5425 29066 86479 175234 FL 1029 12665 72874 3565 8/15/78 RES BAL totrr NEW RR 94 62 3576 15304 19655 3033 5863 6325 11124 6262 577 1270 4283 858 4850 4992 3425 366 487 3700 4484 9321 BANK DIF STUART 76958 261244 394793 2744 10607 115375 121569 91075 77985 palm bchwest PALM beach 3317 1328 3280 98035 163560 5476 5775 4608 8636 260 3316 8979 8531 5198 4936 FIRST GEORGIA BANK Pm tLN*T BANK 0F atLANTA TDLTON NAT BK OF ATLANTA 6130270 6130290 NATIONAL BANK OF GA 6130330 TRUST COMPANY BANK 6130335 FIRST NBCTR CO OF AUGUSTA 6130340 GEORGIA RAILROAD BKCTR CO 6130900 cior! NAT 6K 0F COLUMBUS 6131140 FIRoT NAT dK OF DALTON 6131560 FIRST NB OF GAINESVILLE 6132110 FIRST NAT BK AND TR CO 6132180 FIRST NAT BANK OF COBB CTY 6132610 CITIZENS C SOUTHERN NAT BK SAVANNAH BANK ANO TR CO TR CO GA BK SAVANNAH NA ATLANTA ATLANTA ATLANTA ATLANTA ATLANTA AUGUSTA AUGUSTA 91867 1373095 794 15690 562650 7854 310733 926166 83642 276543 146964 COLUMBUS DALTON 82754 100714 136720 Gainesville macon marietta 112636 2009940 SAVANNAH Savannah 208650 SAVANNAH 101547 12150067 HAWAII 12160040 BANK OF 5680 79674 28888 6474 95364 36742 19150 58804 3479 8019 2430 15671 50785 2430 646 8 3030 8644 4660 15132 5361 3 745 8391 5192 442 7 3504 27929 4038 3 993 3«84 101110 5290 5138 1990 6637 4232 1447 1252 8420 7388 129039 11775 6222 557 71084 5917 24280 22062 14680 9577 17937 9573 40867 211 4649 6450 1368 6682 7023 416 146 2867 4776 5144 1481 107980 5907 21059 4066 1361 7709 4861 5533 NATIONAL BANK HONOLULU https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 3421 5777 2711 5779 FL 6121698 S= 836 SARAbOTA SARASOTA 6121690 6132870 6132862 6070 2019 4z57 NATIONAL BANK OF SARASOTA S t FIRST NB OF SARASOTA EXCHANGE NAT BANK OF TAMPA tamp* Tampa 6121490 FIRST NATIONAL BK OF FLORIDATAMPa 6121492 FLAGSHIP BANK OF TAMPA 6121502 METROPOLITAN BANK 6 TR CO TAMPA * 6121585 FIRST NATIONAL BANK VENICE 6121620 6130257 5580 2j87 2615 1870 330216 PTRSBG NA 6121460 6130260 12088 3861 ST PETERSBURG ST NAME STUART 8227 2965 186430 100489 FL BAL NEW RR FL 88987 139040 RES TOTRR FL FL ($ IOOOS) DSB 6121442 PETERSBURG PETERSBURG VLTCSH FL FL FL FL COUNTY POMPANO BEACH C TRUST RIVIERA BEACH IN ST NB ORLANDO PALM BEACH DEP 8/15/78 hi 106783 3332 2460 5792 1414 4378 IDAHO NA aa twin falls 382212 5624 876708 1151651 l’305 23129 6369 9673 35 957 44326 53 764 14130 37924 63437 3515 53814 4564 9623 203 4361 76546 1049 8999 6402 MEMBER BANKS DSB T LOCATION NAME 8170150 FIRST NAT BK ANO TR CO 7170460 MERCHANTS NAT BK OF AURORA 7170470 OLD SECOND NB OF AURORA 7170510 6170635 1ST NB 6. TR OF BELLEVILLE NAT BARRINGTON SVGS BK ALTON AURORA lL IL AURORA BARRINGTON IL IL IL BELLEVILLE 7171340 7171471 7171490 FIRST No OF BLUE ISLAND CHAMPAIGN NATIONAL BANK ALBANY BANK C TRUST CD NA AMERICAN NAT BANK AND TRUST IL IL 109713 1127520 474885 126892 9268321 109975 IL IL 66326 208974 CHICAGO ChlCAGO CHICAGO CHICAGO IL IL IL 369138 9022731 3264568 205487 7171630 7171650 7171700 7171710 7171740 7171770 7171790 EXCHANGE NAT BK OF FIRST NATL BANK OF HARRIS CHICAGO ChlCAGO TRUST AND SAVINGS BK LAKE SHORE NATIONAL BANK LAKE VIEW TRUST 6 SVGS BANK CHICAGO CHICAGO LA SALLE NATIONAL BANK IL ChlCAGO IL IL IL LINCOLN NATIONAL BANK MARQUETTE NATIONAL BANK MtRCHANDISE NB OF CHICAGO 7171825 MICHIGAN AVE NB OF CHICAGO 7171630 MIO CITY NB OF CHICAGO 7171690 NAT 7171900 NAT BLVD BK OF CHICAGO SECURITY BK OF CHICAGO 7171910 NORTHERN TRUST COMPANY 7171920 NORTH SHORE NB OF CHICAGO 7171930 NORTHWEST NB OF CHICAGO 7171932 0 HARE INTERNATIONAL BK NA 7171960 SEARS BANK AND TRUST CO 7172060 UPTOWN NAT 6K OF CHICAGO 7172100 7172170 7172470 FIRST Nb IN CHICAGO HTS FIRST NAT BK OF CICERO FIRST NAT BK OF DANVILLE SECOND NB OF 7172510 CITIZENS NAT 7172515 FIRST NAT BK 7172520 MILLIKIN NAT 7172490 7172610 7172o95 MEMBER BANKS DSB DANVILLE BK OF OECATUR OF BK DECATUR OF DECATUR 7174820 7175110 7175305 HEIGHTS CICERO DANVILLE ELGIN 7173310 7175435 fSr?; 7175505 FIRST NATIONAL BANK 7175865 FIRST NB OF OAK LAWN 7175900 OAK PARK TR AND SVG BK 7176190 CITIZENS BANK AND TRUST CO 7176270 HERGET NATL BANK OF PEKIN 7176290 CUMMER1CAL NB OF PEORIA 7176300 FIRST NAT BK OF PEORIA Co 0F TR CO rn TR C° iifronu M TR ILLINOIS NB NR £. f. FIRST NB OF ROCK ISLAND FIRST NAT BK OF SKOKIE 7161190 FIRST NATIONAL BLOOMINGTON EAST CHICAGO BANK 2452662 125477 13526 969 5114 1312 341719 115419 284934 197177 215640 11766 14133 41169 5163 198946 5917 17501 4401 14197 943 1511 2324 4011 123865 2253 2653 1454 1303 4127 IL OECATUR DECATUR IL IL IL 163558 167754 IL 97918 145372 5685 16497 ’ 5713 18565 4916 11383 107662 67671 70342 6813 5684 131646 2971 2780 3457 3706 4198 5395 7356 3090 7165 2285 -154070 2687 2583 4669 9945 15742 16894 5620 6146 14644 31626 2070 4297 6965 10563 21744 9863 3174 27651 1 5490 6070 6611 4368 919 923 1336 IL T DEP ELGIN sf MOUNT PRO OAKLAWN OAK PARK PARK RIDG PEKIN PEORIA PEORIA KOCKFORD ROCKFORD ROCKFORD ftOCK isla SKOKIE SPR1NGFIE 7177300 FIRST NB OF SPRINGFIELD 7177310 ILLINOIS NB OF SPRNGFLD SPR1NGFIE 7177320 SPRINGFIELD MARINE bANK SPR1NGFIE 7177730 BUSEY FIRST NATIONAL BANK ......... URBANA 7176040 CITIZENS NATL BK OF WAUKEGANWAUKEGAN <.t mat "" uacuamwaukegan 7178300 hb FIRST NAT BK OF WINNETKA WINNETKA C Tiz A FIRST NB OF FIRST NB OF 4243 1129 DECATUR KuCKFORDROCKFuRO 7176860 7176875 7177220 7180385 7181140 317694 145998 DANVILLE ELMHURST EVANSTON NAT BANK EVANSTON NB OF EVERGREEN PK EVERGREEN NB OF FREEPORT FREEPORT BANK OF FREEPORT u- rnccruKI FREEPf'iR'I FREEPORT NB^lF^r NA1 10NAL BK GALESBURl NB UF HIGHLAND NB UF HIGHLAND Pk HlGHIANn HIGHLAND FIRST NB OF HINSDALE HINSDALE FIRST N6 OF JULIET JOLIET UNION NATL BK AND TR CO JOLIET FIRST NB OF LAKE FOREST LAKE FORE FIRST NAT BANK LINCOLN WO. MCHENRY STATE BANK MC HENRY MELROSE PARK NATIONAL BANK MELROSE P, FIRST NAT BK OF MOLINE MOLINE MOLINE NATIONAL BANK --------dahk MOLlNfc MOLINE AN° IL IL IL 110166 106826 148477 BLOOMINGTON EAST CHICAGO ELKHART IL 139160 IL 156607 213598 IL IL STATE FIRST FIRST STATE - ' _ FIRST FIRST FIRST FlRsiCi? ?ALBr 4059 1068 700 IL IL 11235 510505 1723 125959 167455 IL LOCATION ELMHURST NATIONAL BANK FIRST NATIONAL BK AND TR 7174460 7174726 CHICAGO 21180 526247 31700 0 . 6347 4552 IL IL IL IL IL 16 382 439437 960o 12027 2654 4421 22681 3061 658263 2100 1485 5535 16663 1960 2106 9489 6074 4117 3313 -511 9563 3093 3773 25 3 8 6073 1956 3939 5029 6624 12590 3727 12 9016 1061 9154 3086 16356 4824 736 15761 1514 4199 11673 6692 2105 3890 3703 4793 1785 4954 5217 291 3615 4663 6522 617 1407 4600 5115 6380 6048 8610 4393 1467 3552 4746 949 4913 4496 4064 3444 3536 167 1178 EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE 7173000 7174,270 CHICAGO CHICAGO CHICAGO CHICAGO 66810 4325 4306 3556 5729 4787 2584 10159 1099 4624 4798 157150 146366 IL IL CHICAGO ($ lOOOS) FIRST NAT BK OF 7173970 CHICAGO CHICAGO CHICAGO CHICAGO DES PLAINES OES PLAINES DOWNERS GROVE NATIONAL BANK DOWNERS GROVE 7172950 7174,030 7174,2 60 CHICAGO FIRST NB OF NAME 7173100 7173110 7173135 7173330 7173340 7173390 CHICAGO CHICAGO 4312 3708 3466 66 2009 1020 1661 57525 4863 5441 4635 85376 29646 5366 504193 24453 4512 454976 76 463 1032 24b7 207 5936 7583 3379 3965 70780 654 49217 475 368096 649587 132539 IL IL 5338 6023 3282 2988 2453 670 14596 5393 IL IL IL IL 7171690 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis IL 65415 111617 103200 3784 4768 3479 4u40 4842 4580 6021 2843 DIF NEW RR TOTRR BAL 3052 1298 1181 1356 1562 536 1581 Chicago 7171520 CENTRAL NAT BK IN CHICAGO CHICAGO 7171555 COMMERCIAL NB OF CHICAGO 7171560 CNTNENTL IL NBCTC OF CHICAG0GH1CAGO CHICAGO 7171560 DEVON BANK CHICAGO 7171600 DREXEL NATL BANK CHICAGO 7171610 DROVERS NAT BK OF CHICAGO 7171625 7176850 7176657 CHICAGO RES 732 1309 73867 IL IL 6LUE ISLAND CHAMPAIGN CHICAGO VLTCSH DEP 96261 98741 120478 118938 146760 IL 6170650 FIRST NAT BK OF BELLEVILLE BELLEVILLE 7170600 NATIONAL BANK OF BLUOMiNGTONBLUUMiNGTON 7170620 8Z15Z78 EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE lOOOS) 1$ IL 210672 211057 VLTCSH 8Z15Z78 RES BAL TOTRR 2568 2451 4866 5522 7434 3532 1877 9071 8918 7800 7973 10948 10850 9339 3351 4316 6535 1932 1539 IL IL IL 88754 93834 IL 1190 1986 3334 3627 152225 IL 755 7395 80609 126915 655 2063 150275 3281 3995 2291 5319 IL IL IL 79648 150192 IL 95721 IL IL 98646 1365 1186 5105 3862 832 1135 3104 2630 2523 2118 3581 2322 4366 4120 10108 16956 IL IL IL 100821 76038 IL IL IL 96225 64250 209041 354353 920 1520 2846 697 2548 1567 3423 7560 15369 82524 302990 1286 7732 113975 176736 175615 1706 2041 2258 174901 144161 IL IL IL IL IL IL IL IL IL IL IL IL IL IN IN IN 224669 207648 192335 313182 101237 73511 69928 6058 7610 7313 2208 1011 66677 105264 IL II 4520 4617 8150 3936 1040 2699 7427 4112 4873 3936 NEW RR 6808 6555 156 660 161 2604 512 1666 4398 3212 1597 DIF 3902 3657 4413 4042 2784 3195 3660 4656 5546 3424 4372 3212 4101 3276 3324 3965 612 555 4641 4621 3242 389 497 4252 4185 15159 5818 6 1508 2 5275 16727 261 3410 4124 3234 2858 4118 4833 229 8613 2660 3708 3924 6546 3158 4752 6419 8460 1071 6350 8252 9323 1927 1154 1790 4264 3826 4178 8725 8141 4344 5497 1700 4697 10866 6148 7202 3702 4405 3731 3882 3551 1005 6105 9679 9931 8579 3866 2223 14417 4871 1814 2620 4037 3191 371 100707 3187 131024 244677 3605 3161 6608 3109 6296 3951 7556 8731 11692 9060 724 995 179 2729 4877 5337 4147 3042 3012 1006 5290 1930 5380 5626 6512 4CO ($ MEMBER BANKS NAME DSB 8181230 CITIZENS NB OF EVANSVILLE 8181330 NAT CITY BK OF EVANSVILLE 8181350 OLD NAT BK IN EVANSVILLE 7181460 FORT WAYNE NATIONAL bANK 7181470 LINCOLN Nb C TC OF FT WAYNE LOCATION T DEP EVANSVILLE EVANSVILLE 273284 EVANSVILLE FORT WAYNE FORT WAYNE 268912 376882 GARY 71816 15 BANK OF INDIANA NA GARY 7181620 GARY NATIONAL BANK HAMMOND 7181630 CALUMET NATIONAL BANK HAMMOND 7131850 MERCANTILE NB OF INDIANA 7181980 AMERICAN FLETCHER NB C TR CO1NO1ANAPOLIS INDIANA NATIONAL BANK INDIANAPOLIS 7132040 6, TRCO OF 1NDAP0L1S INDIANAPOLIS 7182080 MRCH Nb 7182290 7182305 LAFAYETTE NATIONAL BANK PURDUE NB OF LAFAYETTE 7162530 7182740 7182810 NATIONAL BANK OF LUGANSPORT LOGANSPORT FIRST MERCHANTS NATIONAL BK MICHIGAN CITY FIRST NB MISHAWAKA UF LAFAYETTE LA FAYETTE MISHAWAKA MLX'lClt 7183000 MERCHANTS NB OF MUNCIE RICHMOND 7183790 SECOND NAT bK OF RICHMOND FIRST BANK AND TRUST CDMPANYSCUIH BEND 7184120 7184130 NATIONAL BKCTC OF SOUTH BtNOSOUTH BEND 482655 222022 409542 CO 8049 2928 5121 1403692 1236604 977772 2704 8 064 8 70248 46989 6650 -1319 2398 153125 165515 1661 2607 109116 123996 2682 2918 2136 91056 168355 162052 1685 7110 3374 5608 1977 2353 4411 8052 6451 304158 179387 BK OF HUTCHINSON KC SALINA 10t05525 FIRST NAT BK OF TOPEKA 10205550 MERCHANTS No OF TOPEKA 10206020 FIRST NB IN WICHITA 7335 5227 4308 4096 BK £. TR CO WICHITA WATERLOO WATERLOO HUTCHINSON HUTCHINSON KANSAS CITY KANSAS CITY PRAIRIE SALINA TOPEKA VILLAGE TOPEKA WICHITA WICHITA WICHiTA 4210050 SECOND NB OF ASHLAND ASHLAND 4211920 & IRUST C0 LEXINGTON 4211945 CITIZtNS UNION NATIONAL BANKLEXINGTON G TR C° 4211960 SECOND NAT BANK ANO TR CO 8212050 CTZ FIOELITY BK C TR CO 8212060 FIRST N6 UF LOUISVILLE £. TR CO TRUST BANK INC 8212810 OWENSBORO NATIONAL BANK 4213000 FIRST NB OF PIKEVILLE 4213020 PIKEVILLE NAT bK C TR CO BANK ANO TRUST CO BATON ROUGE 6220100 FIDELITY N8 OF BATON ROUGE 6220110 LA NAT BANK OF BATON ROUGE 6220281 FIRST NATIONAL BANK 3778 7805 4042 4482 5088 LOCATION 10203020 StCURlTY NAT BANK UF 10204675 JOHNSON CTY NBCTC 6220090 CITY NB OF 5196 7809 3902 5272 6772 198 4621 a 3662 5248 3992 6694 -415 4287 EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE 10202665 HUTCHINSON NAT 8K 5 TR 10202900 CMRC NS OF KANSAS CITY 6220040 RAPIDES 13806 5051 15797 604 4490 4327 5709 5138 lOOOS) 7196080 NAT BK OF WATERLOO 7196100 WATERLOO SAVINGS BANK LIBERTY NB LOUISVILLE 10264 4021 10204 1991 6611 924 4361 4489 167313 126963 8212050 8212120 8372 6481 10938 4826 5876 3798 SIOUX CITY SIOUX CITY tcnL,\tCVR1TY 2699 6733 3638 3911 476 2488 1275 8115 3751 4836 4305 3186 6976 6510 5545 4621 4795 5120 113065 111603 4211950 3662 9463 7785 13660 181 1663 2511 6249 5919 3423 SIOUX CITY SIOUX CITY 10206030 FOURTH NATIONAL 10208060 UNION NAT BK GF 5017 5988 1540 4070 4880 MASUN CITY OF 3070 72646 49500 7789 9989 5951 FlkST NB OF MASON CITY FIRST NBCTC 27386 6128 7382 793<l9 3315 3404 7193750 10205020 1921 3)82 4205 1188 1965 38044 3287 MOINES 113710 107491 96854 NAME 4412 1803 9528 9354 DUBUQUE IOWA CITY 10202660 FIRST NAT 9229 17013 7070 56047 FIRST NB OF DUBUQUE FIRST Na IOWA CITY IOWA DSB 8498 6162 122859 AMERICAN TR ($ 7686 105 2 8 19699 4575 7191750 7192880 MEMBER BANKS 16184 16690 24111 11032 26541 DUBUQUE 7191730 7195410 SECURITY NB OF SIOUX CITY 7195420 TOY NATIONAL BANK 8897 6783 DtS MOINES VALLEY 7195370 FIRST NB IN SIOUX CITY 7195405 NWN NB OF SIOUX CITY 6490 3156 18169 3985 7191640 SVGS BANK 15387 9939 10849 11341 23221 5532 IOWA DES MOINES NATIONAL BK DtS C 12103 14412 NEW RR 216084 466416 113313 DtS MOINES DES MOINES 7191620 BANK 3161 4567 9699 10724 6271 13023 DIF TOTRR 3474 2284 23282 34602 22114 143527 166472 248341 100654 313254 232886 7191570 BANKERS TRUST CO 7191590 CENTRAL NAT BK C TR 4663 3668 BAL RES 9184 12971 7190900 MERCHANTS NATIONAL BANK CEDAR RAPIDS VLTCSH 1648 13570 132154 2^23559 92**61 104798 7190910 PEOPLES BANK AND TRUST CO CEDAR RAPIDS 7191470 DAVENPORT BANK AND TRUST CO DAVENPORT https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 166842 7184360 MtRCHANTS NB UF TERRE HAUTE TERRE HAUTE TERRE HAUTE 7184370 TERRE HAUTE FIRST NAT BK VALPARAISO 7184470 FIRST NB VALPARAISO AMtRICAN NAT BK OF VINCENNESVINeENNES 8184530 NATIONAL 8/15/78 EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE lOOOS) LEXINGTON LEXINGTON LOUISVILLE LOUISVILLE LCWISVILLE LOUISVILLE OWENiBORU PIKEVILLE PIKEVILLE ALEXANDRIA BATON ROUGE BATON ROUGE BATON ROUGE COVINGTON T DEP 134153 102625 VLTCSH 3060 1589 94677 105653 174503 146224 104127 168079 262159 464648 161076 105325 93584 119414 439570 100590 903969 9o0*»52 520314 223918 116356 BAL TOTRR NEW RR 3407 3 554 6467 5143 1926 728 4055 4898 109 4789 3 798 7016 4987 4721 8227 473 2270 2098 4248 3741 5000 281016 4815 465449 6452 2554 1400 4541 4415 5957 4568 3759 3398 3504 14298 106 5797 5873 12 32 7 17476 7754 14631 26010 1639 b501 6115 9140 15664 6274 10346 7999 3901 4098 4065 3788 5319 6391 4821 7450 21756 26502 3334 45417 12117 5469 57914 4837 16579 44 822 24549 11871 56457 14978 31001 13117 3045 6883 206518 6666 5159 DIF 11083 5283 99392 162520 88014 RES 4531 2625 68665 253569 160317 8/15/78 5 491 5069 4675 5216 13753 7156 5016 6781 6220 4641 6853 9374 5353 9094 2266 6148 10702 19076 11148 15517 5049 10672 25528 14791 2052 4845 10737 4606 453 4153 6828 6099 8/15/78 EFFECT ON RESERVES MEMBER BANKS DSB 6220460 6220540 6220575 HOUSE COMMITTEE IOOOS) ($ JEFFERSON PRSH FIRST NB OF FIRST NATIONAL NB OF CMMRC IN LAFAYETTE LAKE CHARLES 6220630 FIRST NB OF LAFAYETTE 6220650 CALCASIEU MARINE NAT BANK MONROE 11220860 CENTRAL BANK 11220870 OUACHITA NAT BANK IN MONROE MtMROE 6220978 BANK OF NEW ORLEANS £ TR CO NEW ORLEANS 6220980 HIBERNIA NB IN N ORLEANS FIRST NAT BANK OF CUMMERCE 6220981 6221000 NAT AM BK IN NEW ORLEANS 6221029 WHITNEY NB OF NEW ORLEANS COMMERCIAL NB IN SHREVEPORT 11221300 11221320 FIRST NATIONAL NEW ORLEANS NEW ORLEANS NEW ORLEANS NEW ORLEANS SHREVEPORT SHREVEPORT BANK 207664 133530 LA GRETNA BANK OF HOUMAHUUMA JFFRSN PRSH JEFFERSON PARISH VLTCSH T OEP LOCATION NAME ALTERNATIVE LA LA 141271 159446 309434 194554 248668 LA LA LA LA 4I0c»04 597939 LA LA 657386 288631 LA LA LA LA LA 5422 1301 3882 5237 5374 3970 5431 8478 8094 9541 3035 DIF TOTRR NEW RR 5961 5576 11383 6877 5532 1730 5851 5147 4710 5574 15590 8592 10811 20964 4121 8421 6050 6100 16 299 32 218 10020 13531 24777 4471 2390 9961 3020 5377 15697 RES BAL 35285 6762 79657 40312 44826 9797 27854 33487 89178 22677 72816 13995 21393 13179 9884 6947 3819 11003 7000 8154 9080 12458 11339 5978 16362 1190725 402108 399359 9521 3729 9144 18948 12249 207291 179438 3807 5490 6077 4012 283732 140059 6419 2222 0993 3856 9502 15412 6078 5898 11373 2320 1451 3628 34704 83567 5079 65594 119661 3029 9549 6403 24204 2773 47329 4456 3838 2050 56045 113258 43855 1218 8682 8214 4^ 05 1230120 MERRILL BANGOR PORTLAND PORTLAND PkESQUE ISLE TRUST COMPANY 1230690 CANAL NATIONAL BANK I23O72O MAINE NATIONAL BANK 1230760 NORTHERN NATIONAL BANK 5240040 5240160 5240165 FARMERS NAT BANK OF MARYLANOANNAPOL1S FIRST NAT BK OF MARYLAND BALTIMORE MARYLAND NATIONAL BANK BALTIMORE BALTIMORE 5240280 UNION TRUST COMPANY OF MD FIRST NBCTC OF WESTERN MD CW1BERLAND 5240ol0 LIBERTY TRUST COMPANY OF MD CUMBERLAND 5240620 5240820 FARMERS C MECHANICS NAT BANKFREDERICK LAUREL 5241110 CITIZENS NATIONAL BANK STATE NATIONAL BANK UF MD ROCKVILLE 5241427 5241429 5241710 1250370 UNIVERSITY NATIONAL BANK FIRST NB OF SOUTHERN MD FIRST NB OF MEMBER BANKS DSB ($ ROCKVILLE UPPER MARLBORO BOSTON NAME BOSTON BOSTON TR CO BOSTON 1250695 1250698 PLYMOUTH HOME NAT BANK BROCKTON SHAWMUT FIRST COUNTY BANK NABRUCKTON STREET BANK AND 1250726 BAYbANK MIDDLESEX N 1250795 SHAWMUT COUNTY BANK 2988 4161 o50 4104 2049 1333 3256 3329 MO MD 1612 151 3693 4511 1894 4310 1465 4739 68502 1761 1631 3392 259 3133 3190832 49863 128830 178693 183526 -4833 86054 T T AON T UN BK TAUNTON BK ANN ARBOR 52433 67189 1021642 10969 137639 65806 385438 161974 87544 4917 2049 10974 60968 3790 71937 6707 2151 12621 4200 23595 61125 4564 214 17446 3094 2539 2073 2035 7170 1743 10264 2292 3140 2595 2533 123478 66884 101975 MA MA MA 103236 177180 87032 MA MA MA 65332 87192 67745 146651 306304 78776 8462 1563 3328 19537 4098 MA MA MA MA WORCESTER MA 112098 455382 ANN ANN ARBOR ARBOR MI MI 240523 95751 ANN ARBOR Ml 191575 96022 238003 108256 119347 BENTON HARBOR DEARBORN DETROIT MI Ml Ml 7261105 CITY NAT 2756 7794 2208 3484 2783 2221 7095 1470 2807 4170 7265 852647 2280 4237 19899 DETROIT Ml 733o05 12507 7261120 DETROIT BANK AND TRUST CO DETROIT 7261160 MANUFACTURERS NATIONAL oANK DETROIT MI MI 2987657 2636787 34488 45208 7261170 MICHIGAN NAT BANK OF DETROlTuETROIT MI 34403 DETROIT MI llo3489 5150344 7261480 CITIZENS CMMRCL £ SVGS BK FLINT 7261490 GENESEE MERCHANTS BK £ TR COFLINT MI MI 787748 7261730 MICHIGAN NATIONAL BK-CENTRALGRANO RAPIDS MI BANK AND TRUST £ TR CO NA Ml MI CO GRAND RAPIOS GRAND RAPIDS NEW RR 66293 77248 7260410 F £ M NB IN BENTON HARBOR 7261045 DEARBORN BANK AND TRUST CO 7261103 BANK OF THE COMMONWEALTH DETROIT TOTRR 55558 43493 MI MI DETROIT BAL 630705 83684 976426 421563 82 507 25418 5073 2675 2659 225 2353 1993 1867 8758 3050 2 119 9693 9257 3268 4282 7146 4710 5432 5351 10327 4867 3709 5136 4214 6006 1648 3301 1091 3229 1177 5686 1586 344 1732 297 DIF 13860 10059 10812 4123 3986 6149 4258 2634 3645 3619 2203 4174 4641 3261 3365 3404 3917 4654 3739 3722 8962 17220 4308 13461 4618 5447 29230 2628 21290 2819 5346 4540 13355 896 7940 7241 10046 8009 198 5567 642 4727 4812 11992 5598 5623 909 6908 448 1995 24171 44070 47177 -3107 30311 130 561 116341 42818 165099 161549 -642 -7371 23942 19168 216392 53571 43660 172420 137607 54279 298899 240015 35470 26965 34397 26067 3663 4b242 165 50754 17592 3316 1386 10052 15781 1203 11184 2660 15374 6920 32668 15513 4738 22433 4481 3903 3084 5150 3628 -706 58884 1073 698 3698 —2512 4841 147 SPRINGFIELD RES 10735 33755 MA MA MA MA LOWELL LYNN VLTCSH 1076146 1209277 FALL RIVER FRAMINGHAM HAVERHILL HYANNIS LAWRENCE DEP 8/15/78 MA MA MA 7260310 SECRTY NB OF BATTLE CREEK BATTLE CREEK 7260395 PEOPLES NB C TR CO OF BAY CYBAY CITY https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 2416 5305 107336 MA 7260160 ANN AR80R BANK £ TRUST CO' 7260175 HURON VALLEY NATIONAL BANK 7261740 OLD KENT 7261760 UNION BK 3467 5849 MD CAMoRlDGE BANK 125J780 WORCESTER COUNTY NAT 7261160 NATIONAL BANK OF 371 8265 MD NA 1253180 THIRD NB OF HAMPDEN CTY 1253218 BAYBANK UNITED N A 1253231 FIRST BRISTOL COUNTY NAT bK OF 3474 3238 4662 6204 BURLINGTON BAYBANK MERCHANTS N A NtW BEDFORD FIRST NAT BK OF NEW 8EDF0RD NEW BEDFORD SHAWMUT MERCHANTS BANK NA SAL CM SHAWMUT FIRST BANK £ TR CO SPRINGFIELD C TRCO UF 76056 173991 B3698 A 1251910 UNION NATIONAL BANK 1251983 SECURITY NATIONAL BANK Nb 826287 87u93 MA MA MA FALL RIVER TRUST COMPANY SHAWMUT COMMUNITY BANK NA BAYBANK MERRIMACK VALLEY NA CAPE COD BANK £ 1RUS1 CO 125171P BAY STATE NATIONAL 7260180 MD MD MD MD 30890 36094 23125 1683 LOCATION STATE 1253135 69584 1120629 2024830 EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE IOOOS) 1250560 1252372 1252375 1252963 MD MO MD BOSTON 1250487 NEW ENGLAND MRCH NAT BK 1250535 SHAWMUT BANK OF BOSTON NA 1251160 1251265 1251445 1251670 ME ME ME 2937 3604 4039 3758 EFFECT MEMBER DSB 7261870 7262090 ($ lOOOS) BANKS NAME LIBERTY STATE BANK £ TRUST PEOPLES BANK OF HOLLAND HAMTRAMCK HOLLAND JACKSCN JACKSON KALAMAZOO KALAMAZOO LANSING LANSING MICHIGAN NATIUNAL BANK LANSING MICHIGAN NAT BANK-WEST METROL1VON1A 9262750 FIRST NAT BK £ TR CO MARQUETTE 7262870 CHEMICAL BANK AND TRUST CO MIDLAND 7262930 FIRST NAT BK OF MONROE MONROE IN 7263090 7263070 FIRST NB 7263100 NAT LUMBERMANS FIRST NB OF SW 7263190 MOUNT CLEMENS CLEMENS MT HACKLEY UN NBCTC OF MUSKEGQNMUSKEGUN BK £ TR CO MICHIGAN MUSKEGON NILES 7263970 COMMUNITY NB OF PONTIAC PONTIAC 7263799 MICHIGAN NATIONAL BK-VALLEY SAGINAW 7263750 SECOND NB OF SAGINAW SAGINAW 7263956 7263958 7263959 T DEP LOCATION 7«;62300 CITY BANK AND TRUST CO NA 7262310 NATIONAL BK OF JACKSON 7282330 AMERICAN NB £ TR CO OF Ml 7262390 FIRST NAT BK £ TR CO OF Ml 7262990 AMERICAN UANK AND TRUST CO 7262500 eANK UF LANSING 7262520 7262605 ON RESERVES 8Z15Z78 HOUSE COMMITTEE ALTERNATIVE NAT BK OF SOUTHFIELD SOUTHFIELD MICHIGAN NATIONAL BK-OAKLANDSOUTHF1ELD SECURITY BANK ANO TRUST CO SOUTHGATE MI 132151 MI 83599 226517 VLTCSH RES BAL TOTRR NEW RR 6150 3839 11559 10103 10906 20950 2386 159 DIF 3769 168322 201276 399226 281859 179997 1699 999 7139 6217 3662 6926 6820 3056 1975532 19508 51718 3071 2089 9199 5238 2083 8892 66226 8309 9172 MI 169095 105079 160389 9912 8556 9383 723b9 9776 60 9779 Ml Ml 101126 160705 1173 2632 2953 9081 9126 6713 3210 3089 3503 MI 162096 136019 195718 9276 9219 9921 9277 6<*95 6290 9355 9190 1999 2229 9296 9707 MI MI MI 901292 13731 9797 76916 336629 MI MI 90065 239750 505906 1553 11300 968 2597 19371 93 12771 629 MI MI MI MI MI MI MI MI MI MI MI MI 7269190 PEUPLES BANK AND TRUST NA TRENTON 7269203 MICHIGAN NAT BK-NORTH METRO TROY 7269285 WARREN BANK WARREN 7269920 WYANDOTTE SAVINGS BANK WYANDOTTE Ml Ml MI 9270625 NORTHWESTERN NAT BANK SW BLOOMINGTON 9271650 FIRST NATIONAL BK OF DULUTH DULUTH 9271670 NORTHERN CITY NATIONAL BANK DULUTH 9271795 FIRST EDINA NATIONAL BANK EDINA MN MN MN Ml EDINA MN MN MINNEAPOLIS MN MINNEAPOLIS MINNEAPOLIS MN MN MINNEAPOLIS 1619 2659 15397 2799 191211 171902 1909 3992 9956 2890 9920 3886 7299 11522 7956 5836 5937 1983 9760 3586 19276 6931 19168 3036 16080 9559 6203 5509 5208 16301 10313 1092 3680 5356 9599 5698 9199 3963 9509 -6163 3533 9112 3777 2993 3309 7826 8719 12923 29116 8361 19298 3930 9062 9818 3600 6399 8892 1736 5905 2092 9613 3987 2565 3768 9596 9530 110696 205168 9650 6983 1215 3669 127787 161039 1299 1996 5768 7258 7017 8759 2987 9102 132692 93138 1736 5536 3719 7272 9679 2125 1089 3299 3976 9081 9297 3370 3691 2750 3379 908 390 276 78 9657 6319 9652 5197 3565 3673 3907 6962 8 960 782 771 521 629 MN 69529 591 3093 3639 859 2780 MINNEAPOLIS MINNEAPOLIS MINNEAPOLIS 9279070 MDLAND NB OF MINNEAPOLIS MINNEAPOLIS MN MN 1338690 205527 10703 62728 73A31 78629 -5193 5776 6789 3659 6568 150968 9971 1995 10297 MN 8729 3323 5906 9279073 NATIONAL CITY BANK MN 160929 936 8012 6998 1268 7680 9271798 92739b0 FIRST SOUTHDALE NAT BK CTRL NW NB OF MINNEAPOLIS 9279005 FIDELITY BK 9279020 9279036 FIFTH NW NB OF MINNEAPOLIS 1ST MINEHAH NB MINNEAPOLIS 9279037 1ST NB OF MINNEAPOLIS £ TR CO 9279060 MARQUETTE NB OF MINNEAPOLIS 87538 96323 79707 EFFECT ON RESERVES ($ MEMBER BANKS ICOOS) LOCATION 9279095 NORTHWESTERN NATIONAL BANK 9275090 FIRST NB OF ROCHESTER ROCHESTER 9275095 NW NB OF ROCHESTER 9275910 AMERICAN NAT BAK £ TR CO 9275980 FIRST NB OF ST PAUL ROCHESTER ST PAUL ST PAUL ST PAUL 9275530 MIDWAY NB OF ST PAUL 9275595 NW NAT BK OF ST PAUL 6280750 ST FIRST MISSISSIPPI NAT 6280900 DEPOSIT GUARANTY NAT BK OF PAUL HATTIESBURG BANK 6280910 FIRST NAT BANK OF JACKSON 3281718 NAT BK OF COMMERCE OF MS 6261690 PEOPLES BK MINNEAPOLIS MISSISSIPPI JACKSON JACKSON STARKVILLE NAUNION T OEP VLTCSH RES BAL TOTRR NEW RR 68359 3268 81615 9729 85982 3067 6628 57356 9880 10890 69795 356 5673 66199 9111 8629 5559 10186 1670 9993 16675 50023 8178 92219 8997 95238 33650 7750 52 *«8 667 11588 7083 89 5169 MN MN 1379333 MN MN MN 117539 219510 1259522 MN MN 219883 13261 1956 1813 9012 7389 1993 1562 MS MS 259227 825983 6708 10691 MS MS MS 729352 19701 9967 39382 30537 122819 2570 51b0 95799 3057 2191 102139 107989 3296 8Z15Z78 HOUSE COMMITTEE ALTERNATIVE NAME OSB 3615 963 OIF -3867 9261 9529 5167 -1909 3689 5193 7809 (46O 8290025 GRAV01S BANK AFFTON CLAYTON 8291000 FIRST NAT BK OF CLAYTON 8291090 BOONE CTY NB OF COLUMBIA 10292910 FIRST NB £ TR CO OF 10292959 BOATMENS BK £ TR CO COLUMBIA JOPLIN JOPLIN OF KC KANSAS CITY 10292970 COLUMBIA UNION NAT BK £ TR 10292980 COMMERCE BK OF KS CITY NA KANSAS CITY KANSAS CITY 10292500 FIRST Nb OF KANSAS CITY 10292550 MERCANTILE BANK AND TR CO KANSAS CITY FIRST NAT 6K OF JOSEPH ST 8299670 8299720 BOATMENS NB CF ST LOUIS FIRST NB IN ST LOUIS 8299770 LINuELL TRUST 6299780 MANCHESTER BK UF 8299790 MNF BK £ TR CO OF B299815 MERCANTILE TRUST ST ST LOUIS LOUIS COMPANY NA 8299920 SOUTH SIDE NB IN ST LOUIS 8299930 SOUTHWEST BANK OF ST LOUIS 6299990 TOWER GROVE https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 8K £ TR CO 935 783 3597 5585 1168 1657 3889 3852 9982 6368 5052 5509 571 2320 357 383 3911 9098 9695 5126 MO MO 121022 161221 2636 3/85 6921 320 6101 656032 1906 5390 7998 32009 9906 37399 9907 26539 9999 10815 MO MO MO 570819 119A66 105012 3998 1281 611 30381 5911 5169 33629 7192 22226 2958 5975 1021 MO MO 510575 115531 9920 1593 25535 3789 29955 5332 17076 839 11603 9239 9959 12879 MO 195912 2299 5265 MO MO 109087 505852 1830 7599 3313 20080 7559 5193 2281 211 ST LOUIS ST LOUIS 27679 18636 MO 1303569 15093 65292 80385 72322 MO 75527 1153 2299 ST ST LUUIS MO MO 127961 121953 1195 1261 6319 '>681 3997 7509 5992 267 2882 1932 ST LOUIS ST LOUIS MO MO 1212180 92665 13999 61797 56280 ST LOUIS MO 117081 1906 1551 2870 9007 ST LOUIS MO 155912 1956 6373 9276 5558 7829 561 993 3569 ST JOSEPH ST LOUIS COMPANY 100275 103291 96955 106573 MO KANSAS CITY 10292650 TRADERS NB OF KANSAS CITY KANSAS CITY 10292668 UTD MO BK OF KANSAS CITY NA KANSAS CITY 8292995 LEMAY BANK AND TRUST CO LEMAY 10299551 AMERICAN NB OF ST JOSEPH ST JOSEPH 10299590 MO MO MO MO LOUIS 97b98 9993 52 78 9932 9038 6063 3180 962 7 9510 5517 3715 5065 9295 8/15/78 EFFECT ON RESERVES MEMBER BANKS HOUSE COMMITTEE ALTERNATIVE ($ lOOOS) T LOCATION NAME OSB 8295289 BOATMENS UNION-NATIONAL BANKSPRINGFIELD 9300085 FIRST NWSTRN NB OF 9300090 MIDLAND NB BILLINGS OF BILLINGS 9300110 SECURITY BANK NA 9300490 FIRST NB OF GREAT FALLS 12320048 VALLEY BANK OF 12320070 FIRST NAT BANK 12320075 1330622 BANK UF NEW 1330711 MEMBER BANKS DSB 3340092 3340431 2341820 6610 4691 MT MT 82195 87275 389 731 4004 3701 4393 4432 NE 363362 256726 4079 1939 12684 9694 2 798 2343265 NAT STATE FIRST NAT STATE 10152 4926 128 20218 8633 4798 26492 14869 18932 49814 9844 6763 10053 17004 LAS VEGAS RENO RENO NV NV NV 477031 967508 27530 39217 1455 32601 26985 66818 RENO NV 268599 221958 8896 3555 794B 8649 16894 12204 MANCHESTER NH 171853 6306 3566 9872 6628 3244 NASHUA NH 125958 1861 4101 5962 3008 2954 1145 4354 8274 6236 EFFECT ON RESERVES BANK T ATLANTIC CITY TWP ELIZABETH ELIZAbETH HACKENSACK BK/SOUTH HADDONFIELD HAZLtT TWP JERSEY CITY TROST CO MAPLEWOOD COMPANYNEWARK BANK OF N BANK BK—EDISON J NEWARK NEWARK S PLA1NFIEL0 OF NW JERSUCCASUNNA FIRST NAT STATE BK-COUNTY M1DLANT1C NAT BK/C1T1ZENS TENAFLY TENAFLY 3343330 2343334 FIRST NB OF TOMS RIVER TOMS RIVER C 2208 2343309 2343315 FIRST NAT BANK 5790 OF NEW JERSEYTOTOWA NJ NJ NJ NJ NJ NJ NJ DEP VLTCSH 69217 97054 1058 1065 264360 169340 510688 RES BAL TOTRR NEW RR 3525 111 144 7 10030 2879 2467 5113 10228 6178 13107 5691 15488 3897 14647 9538 30135 3320 4750 30779 43104 NJ NJ NJ NJ 88206 519528 749433 15377 109913 502467 637500 2628 19769 51177 NJ 399026 5646 NJ NJ NJ NJ NJ 84931 1076016 224920 1749 3405 22707 5154 20729 2778 41461 62190 2154 6454 11382 8520 1703 8594 11298 3857 15048 24797 36179 11023 1260 21426 83641 267486 1430 15295 15484 27727 2 578 9032 0 17061 NJ 57684A NJ NJ NJ 391970 86353 65301 10403 3182 1587 2737 374104 10251 7662 11J07 19 804 NJ NJ NJ NJ NJ NJ NJ NJ NJ NJ NJ NJ 433044 84556 265795 1604 716970 6286 14717 1113061 958327 643932 333180 86115 211170 169383 2173 20436 3665 10149 596 11125 3261 29150 23678 7029 -2252 3229 13611 1233 1128 55007 10123 35103 28257 68003 o263b 16104 10653 48304 24457 64408 35110 51678 29797 4759 2052 4147 12969 2 912 17728 4964 13127 11834 137834 920 1504 9083 NJ 405674 7259 12798 NJ 769028 197125 14231 26659 115072 4792 1909 6401 3556 NJ NJ NJ 218861 317246 4410 4536 6961 12781 340497 9885 706b NJ 609169 13792 17241 6332 23334 2o057 40890 11193 5465 11371 17317 8966 7447 3033 3825 7325 6361 7855 4439 18882 2313 3919 6935 4828 14251 3077 3535 7881 14b9 52041 5818 15172 9411 3414 4731 8365 16031 20563 812 8980 6078 DIF 35125 27466 4117 428972 NJ NJ 35657 4462 4324 22056 NJ NJ NJ NJ 125805 153713 5206 28801 51156 6003 22254 311 21611 40290 39746 3333 2442 7000 5441 8/15/78 HOUSE COMMITTEE ALTERNATIVE TRUbT BK 15942 286326 3342830 OCEAN CTY Nb OF PT PLEASANT POINT PLEASANT 3342860 FIRST Nb OF PRINCETON PKINCETON 2342935 HNTRON CTY NB OF FLEMINGTON RARITAN TWP 2342945 COLONIAL FIRST NB RED BANK 2342960 CITIZENS FIRST Nb OF NJ RIDGEWOOD 2343070 NAT COMMUNITY BANK OF NJ RUTHERFORD FIRST 13144 3781 Cn NE 2342463 GARDEN STATE NATIONAL BANK PARAMUS 2342529 VALLEY NATIONAL BANK PASSAIC 2342744 PEOPLES NB OF CENTRAL JERSEYPISCA TAWAY 2342747 NATL BANK OF NEW JERSEY PISCATAWAY 2342812 UNITED NATIONAL BANK PLAINFIELD 2343189 8953 3830 24138 12661 FIRST JERSEY NATL BANK JERSEY CITY TRUST CO OF NEW JERSEY JERSEY CITY FIRST NB t TR CO OF KEARNEY KEARNEY FIRST NAT STATE 7810 5803 NE UNITED COUNTIES TRUST CD UNITED JERSEY 8K/CENTRAL M10LANT1C NATIONAL 16763 11633 OMAHA OMAHA OMAHA OMAHA UNITED JRSY BK/CUMBRLAND NATBRIDGETUN FIRST NAT BK OF CTRL JERSEY BRIDGEWATER TW 2342145 140 4960 4669 4326 4292 307612 97902 497558 LOCATION 2342200 2778 1650 222 67 8479 NAME FIDELITY UNION 2866 3929 2341956 HERITAGE BANK-NORTH NAT ASSNMONROE TWP 2341968 AMERICAN NAT BK 8 TR OF NJ MONTCLAIR 3341966 BANK OF NEW JERSEY NA MCORESTOWN 2342076 FIRST MERCHANTS NAT BANK NEPTUNE TWP 2342140 1473 8232 6572 NA AND 5989 4639 <$ lOOOS) MAPLEWOOD BANK 4933 6645 19/1 962 3341250 M1DLANTIC NATIONAL 2341325 UNTD JERSEY BK/M1DSTATE NA 2341500 COMMERICAL TR CD OF N J 2341530 2341580 2341600 1056 1587 1907 OF NASHUA UNITED JERSEY BANK 114638 167398 167624 2340639 NEW JtRSEY BANK N A CLIFTON 2340730 UNITED JERSEY BANK/NORTHWESTOUVER 3340692 FIRST NAT BANK OF S JERSEY EGG HARBOR 2390900 NAT STATE BK ELIZABETH NJ ELIZABETH 2340922 2341220 8614 134194 102286 2340934 3340460 FlkST NAT ST BK OF W JERSEY BURLINGTON TWP 3340510 BANK OF NEW JERSEY CAMDEN 3340530 UNTD JERSEY 6K/S0UTHWEST NA CAMDEN 3340593 HERITAGE BANK NA CHERRY HILL TW 2340921 4516 5366 5701 5309 MT MT NEVADA ATLANTIC NATIONAL 5488 3305 MT NEVADA OF NEVADA HAMPHIRE INDIAN HEAD NB 3126 159545 BILLINGS NEVADA NATIONAL BANK 12320080 SECURITY NB OF https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis OMAHA NEW RR GREAT FALLS NE NE NE DIF TOTRR MT MT 10312120 FIRST NB C TR CO OF LINCOLN LINCOLN 10312150 NB OF CMRC TR C SVGS ASSOC LINCOLN 10312730 FIRST NB OF OMAHA 10312752 NORTHWESTERN NATIONAL BANK RES BAL BILLINAS BILLINGS GREAT FALLS 9300512 NW NAT BK OF GREAT FALLS 9300610 NORTHWESTERN BANK OF HELENA HELENA MISSOULA 9300770 1ST NAT MT BK OF MISSOULA .10312760 OMAHA NATIONAL BANK 10312800 UNITED STATES NB OF VLTCSH DEP 631 8042 6928 2901 4190 2266 19062 16666 36671 7663 1916 5480 3923 3196 6886 6903 3305 3488 19904 5367 12730 5313 5894 4333 5085 2483 3460 3665 4066 4252 3391 4219 3530 3549 4921 5003 16973 6450 12314 17910 31033 26977 4056 -937 Cn 8/15/78 EFFECT ON RESERVES MEMBER BANKS DSB HOUSE COMMITTEE ALTERNATIVE lOOOS) ($ LOCATION NAME 3343340 3343345 2364915 23649b5 2364985 2364990 2365035 2365104 2365165 2365240 2365290 2365310 • 2365328 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 2365341 2365415 13555 48827 46100 9166 39547 33629 4389 9280 14471 4912 14089 507 8945 16630 4405 5144 10041 24596 65777 3685 5695 390999 1261 2113 236937 780765 737479 7 500 6055 18097 9418 30730 3b682 1606 CO OF TR ALBANY NA TR C t. CO TRDRS LAS CRUCES SANTA FE NM NM ALBANY ALBANY ALBANY NY BUFFALO TR CO TKUST COMPANY NAT bK OF GLEN HtAD NB UF GLENS FALLS FALLS NB t TR CO ($ BUFFALO BUFFALO CANAJOHARIE CANTON CEDARHURST 501934 1268892 NY NY 6617142 91526 6036 22 895 12 904 26671 28283 71672 34120 310890 1912 3618 2356 3564 3706 1542 1859 2632 3335 1541 4347 6738 3631 34485 33 7332 6874 14776 3813 2864 7067 3950 5974 5292 NY NY 2014 3864 2427 3276 2 103 ENDICOTT GARDEN CITY 110479 116995 631993 1438b it- 337 5868 41223 GLEN htAO NY 63690 1107 2524 GLENS FALLS GLENS FALLS NY NY NY 169432 145400 4810 2519 191240 4578 2522 4355 10198 5967 3461 3b87 2524 57561 2689 4432 448560 113076 102775 EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE ITHACA OF NORTH AMERICA 2363435 2365460 STERLING NB UF NY CO OF NY 23o5530 UNITED STATES TR CO OF NY' 2365670 NAT BK C TR CO OF NORWICH 2363780 MNF HANOVER TR CO/WSTN NA MNF HANOVER 3106 8033 3776 15379 37552 137670 2038 3237 14471 4544 3199 3412 NY H1CKSVILI ITHACA TOMPKINS COUNTY TRUST CO ITHACA BANKERS TRUST CO OF WSTRN NYJAMESTOW FIRST NAT BK OF JAMESTOWN JAMtSTOW/ KINGSTON TRUST COMPANY KINGSTON EMPIRE NATIUNAL BANK MIDDLETQl NANUET NATIONAL BANK NANUET HIGHLAND NB OF NEWBURGH NEWBURGH BANKERS TRUST COMPANY NEW YORK BANK OF NEW YORK NEW YORK BARCLAYS BANK CF NEW YORK NEW YORK BRADFORD TRUST COMPANY NcW YORK CHASE MANHATTAN BANK N A NEW YOkK CHEMICAL BANK NEW YORK CITIBANK N A NEW YORK COMMUNITY NB C TR CO OF NY NEW YORK EUROPEAN-AMERICAN BANK TRONtW YORK FREEDOM NB OF NEW YORK NEW YORK IRVING TRUST COMPANY ,,u„ FORfv NEW YURK MANUFACTURERS HANOVER TR CO NEW YORK MERCHANTS BANK OF NEW YORK NtW YORK MORGAN GUARANTY TR CO OF NY NEW YURK TR 96004 256623 478100 NY NY NY LOCATION C 22 2 02 NY NY lOOOS) LONG ISLAND BANK FIRST NB C TR CO OF BK NY NY NY NY 4450 788 3612 2477 -4640 2800 3350 7016 ELMIRA HEMPSTEAD REPUBLIC NATIONAL BK SCHRODER TRUST CO 2365850 2366370 4154 8600 5124 5433 4834 101275 BANKS NAT 10855 226 224 691 4984 806 2458 NAME 2364700 2364840 23c4680 2364898 11435 345516 122305 108464 D$B 23646^*0 21335 125 10568 1042 2363230 HEMPSTEAD BANK 2363601 2363740 2364375 32770 4279 19455 5350 5657 5525 5733T8 102244 2362460 END1CDIT TRUSI COMPANY 2362805 LONG ISLAND TRUST COMPANY 2363560 2363590 2276 NM NH NM NM ST LAWRENCE NATIONAL BANK PENINSULA NATIONAL BANK 2363540 519 ALBUQUERQUE 236/400 CHEMUNG CANAL 2363290 2795 200 7 2361310 MARINE MIDLAND BANK 2361395 CENTRAL NB CANAJOHARIE MEMBER 27870 2 70 4071 72363 LIBERTY Nb 2362890 GLENS 30394 3354 7777 NJ 2361300 MANFCTURERS FIRST FIRST 723 2427 YAkUVILLE BK bANK ALBANY 2360741 1ST—CITY NB OF BINGhAMTON NYbINGHAMTON 2361267 CITIBANKINY STATEJNAT ASSN BUFFALO 2362870 2362880 3523 5777 10903 148 t 3327 2360155 UNION NATIONAL 2361480 2361600 616 4196 9053 16869 2367 152966 2360130 NAT COMMtRICAL BK £. TR CO 2360150 STATE BANK OF ALBANY 2361260 1192 4907b NJ NB OF DUNA ANA CTY NAT BK OF SANTA FE BANKERS 873 3669 44436 105943 226808 684675 80637 ALBUQUERQUE 10350030 FIRST NAT BK OF ALBUQUERQUE ALBUQUERQUE 11350195 FIRST NB OF LEA CTY HU88S 2360065 4485 61173 864334 65328 10350020 ALBUQUERQUE NATIONAL BANK 10350023 AMERICAN BANK OF COMMERCE FIRST FIRST 2914 83119 NJ NJ NJ NJ NJ NJ NJ YARDVILLE NAIL DIF NEW RR 2581 31745 NJ TRENTON TRENTON 1571 1088 12691 2907 1561 1850 13525 TOTRR BAL TRENTON 3343569 FIRST PEOPLES NAT BK UF NJ WESIMONT 3343620 MARINE NB OF WILDWOOD WILDWOOD 3343690 NB E TR CO OF GLOUCESTER CTYWUUDBURY 11350220 10350340 RES TRENTON OF 3343350 NEW JERSEY NATIONAL BANK 2343420 UNION CENTER NATL BANK UNION 3343497 CITIZENS UNITED 8ANK NA VINELAND 2343534 PROSPECT PARK NATIONAL BANK WAYNE 3343750 VLTCSH DEP ST BK OF CTRL JRSY BROAD STREET NB 1ST NAT T NY NY NY NY NY NY NY NY NY NY NY NY NY NY 82818 436798 94699 2039 7970 2224 143901 8542865 3380825 2211 85362 45 761 3991 5961 2 749 8064 3594 3875 4076 3290 2713 15219 5785 8292 2571 410 1318 DIF 5493 3184 6362 4188 2473 4467 4104 3889 4752 23189 1052 17052 3700 6137 5435 264794 159526 4925 7646 350156 205287 1692 3783 397736 178959 3233 3863 -47560 2632 6 21225 25216 21634 6422 1010635 6423 1173515 857 1010871 3582 5566 162644 2701 12360426 145084 725281 1086967 870365 1199574 781139 112607 89226 93172 2135418 1132365 6671 26014 67209 0 133218 5449 159232 62 900 4649029 16918111 123077 10770016 1029 111917 453 4420 47315 49356 132742 2410 4807 222035 5260 271391 272 189596 765957 7b86 918699 2223183 42096 646454 130702 633757 3018 515111 1723240 53677 16141 144619 342119 60 2163 9423 22 569 777616 165401 24732 581 1467 40960 41541 91bl6 143o02 2688 2734 6919 1853 8386 4541 5448 176135 5b48 2815 NY NY NY NY NY YORK NY YURK waTeRTomf 167523 137545 845 1910 4216 3072 NEW RR BAL 17703968 YORK 2367020 SCHENECTADY TRUST COMPANY SCHENECT/ 2367410 FIRST TRUST AND DEPOSIT CO SYRACUSE 2367421 LINCOLN FIRST BK-CENTRAL NA SYRACUSE 2367430 MERCHANTS NB E Tr CO SYRACUSE 2367660 ONEIDA Nb E TC OF CENTRL NY UTICA 2367870 2103 72227 112931 TOTRR RES NY NEW 2366375 2366590 2366610 CENTRAL TR CO ROCHESTER NY ROCHESTEI 2366640 L1NCLN FIRST BK UF ROCHESTERRuCHESTEl 2366680 SEC TR CO OF ROCHESTER ROCmESTEI 2366970 SCARSDALE NB E TR CO SCARSDALf 2366990 MOHAWK NB OF SCHENECTADY SCHENECT? 132060 8/15/78 NY NY NEW ONTARIO BANKERS T C OF HDSN VLY NA PCUGHKEEP DUTCHESS BANK AND TRUST CO ruu^msee POUGHKEEP SUFFOLK CTY MB OP RIVERHEAD RlVERHEAi VLTCSH 4010 7 709 1 162880 NEW NEW YORK NORWICH OLEAN DEP 3598 3519 401704 206082 18773956 NY MY NY NEW YORK TC/CENTRAL NY Nat bank uf northern n y T 3433 NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY 19429 10096 665883 172798 69818 9483 183724 47658 4988 81795 284942 7078 150772 -10926 22160 985 13348 11384 46224 3667 —4b83 4719 6498 912 3629 8182 10609 1787 6974 6395 3635 1446 6690 32217 4961 2518 3279 12587 5333 4725 19277 695 30020 62237 10534 4638 3643 7360 13200 16428 1260 5791 108199 269b2 7051 3098 1953 164588 4330 10965 4668 13236 5158 7300 12076 93281 78792 351597 94o074 514798 135625 417492 330170 271353 550532 180851 5051 8998 24201 17234 15684 882 11917 49037 22117 4162 4645 2889 2127 2924 6922 17592 2076 6609 13594 8384 16797 3640 9b72 9189 23146 6495 26469 3305 5b64 8969 3650 3323 5319 CO T DEP LOCATION NAME OSB 8/15/78 EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE ($ lOOOS) MEMBER BANKS 2367960 CITIZENS NB E. TR CO WELLSVILLE 2368095 NATIONAL BANK OF WESTCHESTERWHITE PLAINS NY NY VLTCSH 92472 587445 1509 10177 RES BAL 2015 27 537 TOTRR NEW RR 3524 37714 34512 534 DIF 2990 3202 5370351 FIRST UNION NB CHARLOTTE NC 1522140 31103 80601 111704 95302 16402 5370355 NORTH CAROLINA NATIONAL BANKCHARLOTTE INDEPENDENCE NATIONAL BANK GASTUNlA NC NC NC 2441735 196808 195699 260202 365104 265967 2748154 34603 116932 6069 5659 151735 120633 7176 31102 5370730 5370970 5371025 5371205 5371730 5372230 OF NC FIRST NB OF CATAWBA CTY BANK OF NORTH CAROLINA N A HICKORY JACKSONVILLE SOUTHERN NAT BK OF NC PLANTERS NAT BK L TR CO LUMBERTON ROCKY MOUNT WACHOVIA BK C TR CO WINSTON NA SALEM NC NC NC NC 5532 4941 11601 10600 15103 23238 16751 6 096 12674 9005 10564 5922 10829 121332 56065 179397 444 2 9253 15311 8995 140880 4425 6158 5850 7927 7756 38517 O’ 44390033 AKRON NATIONAL 4390060 4390125 FIRST NATIONAL BANK OF AKRCNAKRON 1ST NAT CITY BK OF ALLIANCE ALLIANCE 4390320 4390340 BANK AKRON FARMERS NAT BK 8 TR CO 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OF COLUMBUS 4391610 HUNTINGTON Nfl 4391640 OHIO NB OF CCLUMbUS COLUMBUS 4391890 DAYTON DAYTON BANK CINCINNATI 4391230 4391240 FIFTH THIRD FIRST NB OF 4391250 4391310 PROVIDENT 3ANK SOUTHERN OHIO BANK 4391410 4691910 FIRST NATIONAL THIRD NBLTC OF MEMBER BANKS OSB BANK DAYTON COLUMBUS COLUMuUS NAME WINTERS NB 8 TR CO ELYRIA SVGS 8 TRUST 4392200 4392222 LORAIN CTY SAVINGS 8 EUCLID NATIONAL BANK 12333 39671 18657 6515 2674 16566 5434 3876 6337 49819 156195 473 13441 100204 56632 40671 -15142 -2951 5394 9760 11313 7677 7051 8242 1666369 131090 67627 10j2464 18245 35436 169636 6 5062 53661 OH 792414 46265 670767 b38042 8012 11440 38253 OH OH 41818 47373 OH OH 1142636 322340 2764 1 24933 70378 19732 29902 54635 32058 36060 46958 6934 13045 19979 12928 6654 12395 21049 12807 OH 319471 LOCATION NAT BK DAYTON ELYRIA TR CO ELYRIA EUCLID FIRST NAT BK OF FINDLAY FINDLAY FIRST NB 8 TR CO OF HAMiLT0NHAM1ETON T DEP RES BAL TOTRR NEW RR 14289 3112 26726 6387 3034 3 069 41015 9499 6720 12317 5515 7554 29920 3512 9127 3892 OH OH OH OH GH 641345 186679 139261 227452 105973 3208 3190 1623 4520 1745 2157 OH OH OH 98964 1345D6 2991 4154 4393720 NATIONAL CITY BK OF MARION 4393830 OLD PHOENIX NB OF MEDINA 4393940 Clermont national bank MARION MEDINA MILFORD OH OH OH 98597 101932 1397 2287 144316 79049 4394040 2949 2038 FIRST NB OF MIDDLETOWN 4394250 FIRST NB OF NEWARK 4394270 PARK NATIONAL BANK MONROE NEWARK NEWARK OH OH OH 104703 4394588 MIO-AMtRICA NB 8 TR CO 4394600 HURON CTY BANKING CO NA 4394830 LAKE CTY NB OF PAINESVILLE 4394831 LAKESHORE TRUST COMPANY 4395005 .FIRST NB OF MANSFIELD 4395090 SECURITY CENTRAL NAT BANK NORTHWOOD OH 4052 1518 3889 2288 NORWALK PAINESVILLE OH OH PAINESVILLE OH OH OH 4395165 FIRST NB 8 TC Or RAVENNA 4395203 CENTRAL TRUST COMPANY 4395420 FARMERS NB OF SALEM 4355450 CITIZENS BANKING COMPANY 4395730 FIRST NB OF SPRINGFIELD PLYMOUTH PORTSMOUTH RAVENNA REYNOLDSBURG SECURITY NATIONAL BANK 105378 203612 93294 OH OH OH OH 77097 79593 67219 OH OH 104066 105601 OH 716 1586 1434 4500 7130 5302 3 065 4046 2726 5352 834 6995 4764 3871 730 6097 1710 3582 7639 621 3357 5012 3196 12453 411 120 8786 5544 1444 6029 4100 3990 525 3856 66 170 9 216 3657 3716 3297 3122 1364 3793 6017 4304 3837 603 1226 10019 4381 3723 2497 • 839 3360 3082 1811 3328 2558 12646 2348 4893 5676 OH OH 109817 167596 395710 OH OH OH 388762 577244 1*2287 10224 4837 8481 10562 23563 7395 21127 20786 33156 203999 YOUNGSTOWN YOUNGSTOWN OH OH OH OH 356772 243526 252056 7677 4487 ZANESVILLE OH B3010 1761 SANDUSKY SPRINGFIELD SPRINGFIELD FIRST NB8TC IN STEUBENVILLE STEUBENVILLE SYLVANIA SAVINGS BANK CO SYLVANIA 4396005 FIRST NB OF TOLEDO TOLEDO 4396020 OHIO CITIZENS TRUST CO TOLEDO 4396050 TOLEDO TRUST CO TOLEDO 4396300 SECOND NAT BANK OF WARREN WARREN 4396310 UNION SAVINGS ANO TRUST CO WARREN 4396750 DOLLAR SAVINGS 8 TRUST CU YOUNGSTOWN 78680 9593 4788 3067 10907 4180 4625 3776 37b9 4814 5023 2045 2064 3750 2 724 2480 4436 1240 6182 3578 3349 5277 1509 2976 3905 388b 3306 4395775 4395910 4396760 MAHONING NB OF YOUNGSTOWN 4396780 UNION NAT BK OF YOUNGSTOWN 4396600 FIRST NAT BK OF ZANESVILLE 259211 1335 2929 1038 11095 3541 2866 2300 1872 2499 1817 SALEM ' 114179 73672 5958 3371 7040 DIF 3338 5177 ’ 1254 655 2319 1416 3845 4811 3886 4518 3124 4034 4387 2961 4262 4601 3076 3667 464 4429 684 4346 17867 4992 3049 3260 15198 5588 4662 4709 4214 3990 8778 7071 7337 4366 10138 28474 4069 5924 18244 12043 15170 10076 8918 2851 13405 4612 8749 1967 4656 596 4016 3074 155 135739 94542 100366 90318 161756 8/15/78 VLTCSH OH OH OH https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 33581 34701 38546 17435 OH OH 4392770 4393060 HUNTINGTN PORTAGE NB OF KENTKENT 439^265 HUNTINGTON FIRST Nb OF LIMA LIMA 4393370 CtNTRAL SEC NB OF LORAIN CTYLORAlN 4393400 LORAIN NATIONAL BANK LORAIN 4393610 FARMERS SAVINGS ANO TRUST C0MANSF1EL0 4395742 3646 10617 EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE ($ lOOOS) 4391920 4392190 4392260 CLEVELAND OH 41768 13971 7119 7 250 15591 496 430 10012 13632 3517 2257 35275 MEMBER BANKS IN FIRST NB 11554 4236 7318 4316 5665 70 18246 50813 36736 30oO2 20089 53117 40210 4246 4673 11371 1042 691 OKLAHOMA CITY OKLAHOMA CITY TR C TR CO OKLAHOMA CITY TULSA OK OK 324643 867695 740191 1643 2304 7133 7417 39670 132075 35216 132872 10402570 LIBERTY 104C3367 10403380 BANK OF OKLAHOMA NA FIRST NAT BK C TR OF 10403390 FOURTH NAT BK OF TULSA UTICA NATIONAL BANK C TR C 10347 3274 4974 1207 95493 FIDELITY BANK N A FIRST NATIONAL BK BK NEW RR BAL 143773 10402540 10402560 CO 114182 TULSA OK OK OK TULSA CO TULSA OK OK 665181 654668 224554 181617 OR OR 2816713 2663299 TULSA 12410520 FIRST NaT BANK OF OREGON 12410560 UNITED STATES NATIONAL BANK PORTLAND PORTLAND 3474 892 1989 DIF TOTRR RES OK OK OK CENTRAL NAT BK £ TR CITIZENS NAT BK C TR NATIONAL VLTCSH BARTLESVILLE ENID OKLAHOMA CITY BARTLESVILLE 10400210 10401180 10402525 10403425 T OEP LOCATION NAME DSB 8/15/78 EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE IOOOS) ($ 31642 12913 8263 37735 39059 13o05 992 8718 41311 29689 27574 26314 4624 10252 3000 171745 168088 160524 145913 11806 10521 10161 12745 6981 7252 11221 22175 d 05 3420075 FIRST NAT BK OF ALLENTOWN PA PA 640526 410076 ARDMORE BALA-CYNWYO PA 2452375 613613 BALA-CYNWYD bALA-CYNwYO BOYERTOWN BRYN MAwR CARBONDALE PA PA PA PA PA CHESTER CLEARFIELD CUMBERLAND TWP PA PA PA ALLENTOWN 3420099 MERCHANTS NB OF ALLENTOWN 3420204 PHILADELPHIA NATIONAL BANK 3420327 CENTRAL-PENN NATIONAL BANK ALLENTOWN 3420328 FIRST PENNSYLVANIA BANK NA 3420329 GIRARD fcANK 3420756 NAT BANK UF BOYERTOWN 3420920 PROVIDENT NATIONAL BANK 3421035 FIRST NB OF CARBONDALE 3421305 SOUTHEAST NATIONAL BK OF PA 3421404 CUUNTY NATIONAL BANK 3421685 3421926 ADAMS COUNTY NAT BANK DEPOSIT NATIONAL BANK 3422043 EASTON NAT 3422142 LAUREL NATIONAL BANK SOUTHWEST NATIONAL BK 4422830 BK £ DU EASTON TR CO EBENSbURG OF PA GREENSBURG 4422844 FIRST NAT BK OF MERCER CTY 3423010 COMMONWEALTH NATIONAL BK 3423132 HAZLETON NATIONAL BANK 3423140 PEOPLES FIRST Nb 4423456 NAT BANK OF THE 4423465 SAVINGS £ TRUST 4423510 3423618 ($ GREENVILLE HARRISBURG BANK NAME 3423969 LEBANON VALLEY NATIONAL BK 4424672 FIRST NATIONAL BANK OF PA 4425436 FIRST NB OF LAWRtNCE CTY BK 3425697 CEMENT N B NORTHAMPTON PA 4426620 EWUIBANK NA 77695 105892 121744 1239 1452 2146 PA PA PA 146i69 111837 2548 PA PA 145004 PA 6b5006 4302 4391 6105 657 16503 152560 1306 29091 12097 2 5392 244418 114729 971 77490 599 22115 251 4335 4181 1889 2768 6057 9505 3211 16108 2937 6148 2361 60 56 2311 20584 2738 36692 29508 3837 7184 4585 4882 2263 2322 1647 3902 PA 173146 121977 3684 1523 980 5097 5 030 PA 2403317 31718 131784 JOHNSTOWN 305266 1067749 CASTLE PA PA PA PA PA NEW CUMBERLAND PA 236221 NORTHAMPTON PITTSBURGH PA 101579 1818828 LANCASTER LEBANON MEADVILLE NEW 4427119 KEYSTONE NATIONAL BANK 342?-»30 FIDELITY BANK 3427695 THIRD NAT BK C TR CO PUNXSUTAWNEY ROSEMONT SCRANTON PITT SBURGH POTTSVILLE 4427621 MC DOWELL NAT BK OF SHARON 3428100 UNION NAT BK C TR CO ShARON SOUDERTON 4426622 GALLATIN NATIONAL BANK UNIONTOWN 4423712 4426725 WARREN NATIONAL BANK FIRST NAT BANK t TRUST CO 3426982 3429027 FIRST EASTERN BANK N A WYOMING NB OF WILKES-BARRE 3429090 FIDELITY NATL BANK OF PA 3429117 WILLIAMSPORT NATIONAL BANK C MECHANICS NB RHODE DEP WARREN WASHINGTON WILKES-BARRE PA PA PA PA PA PA PA PA PA PA 116253 396052 102080 5531314 892 6 00 287195 VLTCSH 7460 14806 2505 6039 1659 3807 1835 34909 44152 13473 5166 108224 1681296 1297 54 57 5 151078 162791 141015 3430 3543 306590 159637 3230 1652 6167 6553 2614 1832 163502 129580 6781 7932 38903 15392 5 3711 2 674 13344 5179 19383 10349 44599 1191 11613 9112 3988 7770 4670 PA PA 93783 79312 2172 2551 DIF 5043 3864 5523 853 8311 1952 55557 12118 5116 7002 3787 90466 908 96308 2679 -5842 285070 329222 254486 74736 43o02 9358 3668 53404 57075 14724 53815 8412 3260 4985 107979 6585 477 96412 4261 3313 4508 11567 2304 3660 3155 3542 2076 WILKES—bARRE WILLIAMSPORT ISLAND PROVIDENCE NEW RR BAL 3249 10942 WILLIAMSPORT YORK 4721 33922 TOTRR RES 3630 4352 8159 4110 184694 447930 176586 3449 8/15/78 2280 7714 3049 PA PA PA PA PA 121176 6747 4051 56 1924 4746 6635 5129 122483 T -54721 13515 3901 12482 2407 3159 113919 JEANNETTE 37489 189697 128244 4872 69972 3006 26862 27655 1970 344 8 PA PA PITTSBURGH OF 184/86 19633 3063 2939 39 59 4087 PA 4426723 MELLON BANK NA 4426822 UNION NAT BK OF PITTSBURGH 3427065 PENNSYLVANIA NBC TRUST CO 1440130 COLUMBUS NB 22017 147521 61924 3362 64344 1370 42176 66320 1510 25428 1636 9229 LOCATION UNITED STATES NATIONAL BANK DROVERS 15472 3433931 2110485 109129 1332658 80895 485981 28312 17809 181651 EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE 3423808 NATIONAL CENTRAL BANK 3429252 8830 137561 HAZLETON IOOOS) 3425472 CUMBERLAND CTY NAT 18123 6979 44090 HAZLETON CUMMONWfcALTHINO I ANA CO OF PA INDIANA PITTSBURGH NATiONAL MEMBER BANKS DSB TR CO £ BOIS PA 10189 7173 7132 6312 2097 13426 5035 2447 6482 10022 15873 7159 9731 20964 2371 4883 16414 4766 4846 4550 4011 3435 2362 864 7553 5511 4292 1241 4534 3415 4 39 5 3785 63671 30 674 5101 76053 45026 528 89226 4573 -13173 43254 1772 3261 4270 4095 3410 RI 118843 RI Rl 1497099 1316 12382 864516 14352 5450190 CITIZENS C SOUTHERN NB OF SCCHARlESTON 5450210 SOUTH CAROLINA NATIONAL BANKCHARLESTbN SC 607562 18978 29098 48076 29280 18796 sc 5450305 FIRST NATIONAL BANK OF S C 5451260 NATIONAL BANK OF SC 911544 29376 40615 25823 542310 117105 14202 2937 26781 .‘621 69993 40983 44170 sc 25694 1701 15289 5857 1440165 INDUSTRIAL NAT BK OF RI PROVIDENCE 1440270 R I HOSPITAL TRUST NAT BANK PROVIDENCE https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis COLUMblA SUMTER sc 7558 d -i MEMBER BANKS LOCATION NAME DSB FIRST NATL BK OF ABERDEEN 9461190 FIRST NB OF THE BLACK HILLS 9461280 FIRST NB IN SIOUX FALLS 9461290 NATIONAL BANK OF S D 9461300 NW NAT BK OF SIOUX FALLS 9460020 9461321 8Z15Z78 EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE ($ lOOOS) UNITED NATIONAL BANK T ABERDEEN RAPID CITY SD SD SIOUX FALLS SIOUX FALLS SD SO SIOUX FALLS SIOUX FALLS SD SD VLTCSH DEP 208997 1806 224611 2187 1836 111715 405518 280927 RES BAL TOTRR NEW RR 9327 3517 5810 11164 6069 5320 5844 984 19446 13303 11080 6571 782 5105 8366 6732 7521 8977 4253 15871 3575 2256 122929 1174 11047 4437 5611 ANO TR CO CHATTANOOGA TN 442077 8049 15485 23534 6470388 6471400 FIRST TN BANK NA CHATTANOOGACHATTANOOGA FIRST NAT BK OF SULLIVAN CTYKINGSPORT TN TN 270396 176761 9201 8111 7265 16466 10151 6471490 PARK NAT KNOXVILLE TN TN TN 355658 104)210 5810 MEMPHIS MEMPHIS 39979 13273 20279 8343 16581 6471890 UNION PLANTERS NATIONAL BANKMEMPHlS TN 6472060 COMMERCE UNION BANK 6472085 FIRST AMERICAN NATIONAL TN TN 19158 9779 16790 9165 898 39601 3714 1654 2179 6565 6131 1438 6503 12242 6470380 AMERICAN NAT BANK BANK OF KNOXVILLE 8471860 FIRST TN BK NA MEMPHIS 8471870 NATIONAL BANK OF COMMERCE 6472100 THIRD NAT BK 11460020 CITIZENS NAT 11480030 FIRST NAT NASHVILLE TN 862383 970363 869676 NASHVILLE NASHVILLE TN 101631 TX 152625 TX TX 157509 170215 263379 138366 IN NASHVILLE BK 6472102 UNITED AMER NASHVILLE BANKNAS nVILLE OF IN ABILENE BK ABILENE ABILENE BANK OF ABILENE 11460035 FIRST STATE BANK 11460140 AMARILLO NATIONAL BANK ABILENE AMARILLO 11460150 AMERICAN NAT BK OF AMARILLO AMARILLO 11480160 FIRST Nb OF AMARILLO AMARILLO BANK OF AUSTIN AUSTIN 11460340 AUSTIN NATIONAL BANK AUSTIN AUSTIN 11480330 AMERICAN NAT 11480350 CAPITAL NAT BANK IN AUSTIN 11460370 CITY NAT BANK OF AUSTIN 11480530 AMERICAN NAT BK OF BEAUMONT 11480540 FIRST TX TX TX TX TX TX TX SECURITY NATluNAL BANKBtAUMQM TX 11460595 FIRST STATE BK OF BELLAIRE 11480990 FIRST NAT BK AT BROWNSVILLE BELLAIRE BROWNSVILLE BROWNSVILLE 11461000 PAN AMERICAN BANK CORPUS CHRISTI 11481731 CORPUS CHRISTI BANK AND TR 114ei740 CORPUS CHRISTI NATIONAL BANKCORPUS CHRISTI MEMBER BANK 6ANKS IN DALLAS DALLAS NAME DSB 11482065 NORTHPARK NAT BANK 11462070 MERCANTILE 11482080 11462100 NAT BK OF COMMERCE OF DALLASDALLAS REPUBLIC NAT BANK OF DALLAS DALLAS TEXAS BANK 6 TRUST COMPANY DALLAS 11462120 11462560 11482565 11462570 DALLAS 6K AT EL PASO NATIONAL FIRST CITY NB OF DALLAS DALLAS BANK EL PASO STATE NAT BK OF EL PASO 11462830 CONTINENTAL NB OF FT WURTH 11482840 FIRST NaT 8K OF FORT WORTH 11482850 FORT WORTH NATIONAL BANK 11483020 11483C40 11463063 11463550 FIRST HUTCHINGS SEALY NAT EL PASO EL PASO EL PASO FORT HORTi FORT WORTi FORT WORT, BKGALVESTON UNITED STATES NATIONAL BANK GALVESTON FIRST NAT BK IN GARLAND GARLAND FIRST NAT BANK OF HARLINGEN HARLINGEN 11483789 11463796 BANK OF THE SOUTHWEST NA CAPITAL NATIONAL BANK HOUSTON HOUSTON 11463815 11463837 FIRST CITY NB OF HOUSTON 1ST INTRNTL 6K IN HUSTN NA HOUSTON HOUSTON 11463670 HOUSTON NATIONAL BANK 11*83918 SOUTHtRN NAT BANK 11483926 TEXAS COMMERCE BANK NA 11464560 LARtUO NATIONAL BANK HOUSTON HOUSTON HOUSTON 11484690 11484900 11464908 LC380CK 11484960 11485390 11435400 11485810 114e6260 FIRST NAT BANK AT LUBBOCK LAREDO lubbock national bank luo&ock TEXAS COMMERCE LUBBOCK FIRST NAT BANK NA bANK OF MC ALLEN MC ALLEN FIRST NAT BANK OF MIDLAND THE MIDLAND NATIONAL BANK MIDLAND MIDLAND FIRST NAT ODESSA BK OF ODESSA FIRST NAT BK OF PORT ARTHUR PORT ARTHL 11486880 CENTRAL NB OF SAN ANGELO SAN ANGELC 114So900 11486910 11466930 SAN ANGELO N6 OF SAN ANGELO SAN ANGtLC ALAMO NATIONAL BANK SAN ANTONI BEXAR CTY NB OF SAN ANTONIO SAN ANTONI 114o6933 BROADWAY NATIONAL BANK SAN ANTONI 11486970 FROST NAT BK OF SAN ANTONIO S/JM ANTONI 11467010 Nb OF COMMRCE OF SAN ANTL'NIUSaN ANTONI 11487020 NB OF FORT SAM HOUSTON SAN ANTUN1 11487760 TEXARKANA NATIONAL BANK TEXARKANA 11487950 CITIZENS FIRST NAT BK TYLER 11467960 11467970 114860o6 11488090 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis peoples nat bank of tyler tyler TYLER BANK 6 TRUST CO TYLER FIRST VICTORIA NATIONAL BANKV1CTUR1A VICTORIA BK S 11353 7277 26420 34680 45578 37987 33150 11309 37927 56717 48966 4612 44354 12 363 36280 164 12686 4448 1456 6763 6061 6357 9572 44459 8219 8310 7941 23756 4910 5 64 9632 5934 21517 20342 14530 • 28565 22707 3019 10930 12666 2925 4650 1370 4162 8427 5992 3229 13277 7362 7391 2059 1483 4301 6410 12019 152623 6163 8758 15139 161920 TX 2425545 9297 6176 10710 8596 7048 9573 11281 13134 19703 21451 7911 157770 256936 7591 2249 1584 14482 6740 5605 4809 3004 2496 TX TX LOCATION NAT 17647 23947 8005 6071 5303 5206 5908 245 5918 6784 1974 7021 8118 29079 132841 EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE lOOOS) ($ 11310 461850 1862 2348 3120 7071 6658 7773 48905 16255 12502 147238 117991 8032 15502 9395 3293 60258 24924 4087 2028 TX 4829 19083 367109 227565 208530 109251 TX TX 2040 2 240 1135 361543 339491 179368 TX AUSTIN bEAUMUNT 11482020 FlkST NAT 464 6 80 737562 DIF TR CO VICTORIA T DEP VLTCSH 8Z15Z78 RES BAL TOTRR NEW RR DIF TX 76077 1222 3128 TX 4350 97 1191652 4253 TX TX TX TA TX TX TX TX TX 61120 10641 150042 68t>28 12987 160279 66502 228U02 2531408 7508 2346 2126 7570 16 743 17201 18826 22301 2831 17644 5815 22226 1042 15569 10131 35161 4 34 54 355S97 413410 113599 394606 331425 738793 TX IX 896227 115110 103135 TX TX 87570 87077 TX TX 1019827 540793 TX TX TX TX 2607908 TX IX TX TX TX TX TX IX 365442 511678 231430 2082478 10237 2083 5100 2984 4382 2545 5952 9530 1088 654 1204 1429 7715 2010 14377 2842 2268 14996 17541 38 949 50o42 44901 60372 5123 4 792 6211 5446 5297 4093 7772 16356 10819 58451 9074 9942 4223 114058 9150 39228 4340 5754 5315 1109 553 8204 6984 9329 7507 13920 3807 14823 7901 1092 239 650 1028 8097 6408 6023 18 073 31585 1) 953 145863 1109 110338 2150 2289 26454 5983 28743 1005 10703 11708 7500 6262 14-.045 10069 11645 12092 7507 3633 109173 1605 5895 119652 125766 1029 2257 5233 4t»47 TX TX 128297 269691 1382 3061 5447 12426 TX 140496 1058 TX TX 132467 734293 515184 2156 10005 6509 5236 4662 32667 25224 126412 850 1462 7576 3*13 1225 7337 7761 1392 2195 152801 TX 251340 1010 2157 4ob5 4123 118107 11641 23911 2893 2552 151522 103*67 5298 5382 18591 316760 276669 TX TX TX TX 9720 16918 176558 209i5 33853 13373 153286 258567 98800 130287 6657 7410 162161 TX TX TX 913 64 412 1052 42957 8532 4773 5175 59313 TX TX TX 13769 9499 10946 3746 51596 16581 1420 9241 2475 424706 168855 5417 150780 7678 3616 9576 15801 12544 14738 14644 8616 6904 6829 15507 7567 5430 6254 5801 1614 7410 5753 42752 30066 3019 32633 19493 4373 10119 10593 8426 3459 4967 4875 39 1381 4636 7181 7392 8562 9153 1352 5611 10586 49 3221 17956 6966 7801 5762 7365 10992 MEMBER BANKS DSB IOOOS) ($ T OEP LOCATION NAME BANK OF 11438110 CITIZENS NAT WACO WACO 11438120 FIRST NATIONAL BANK OF WACO WACO 114G8400 CITY NB IN WICHITA FALLS WICHITA 11438410 FIRST-W1CHITA NATIONAL BANK WICHITA FALLS FALLS OGDEN UTAH NAOGDEN SALT LAKE CITY 12490400 CONTINENTAL bANK ANO TR CO SALT LAKE CITY 12490430 TRACY COLLINS BK AND TR CO SALT LAKE CITY 1249u4?0 WALKER BANK AND TR CO SALT LAKE CITY 12490475 Z1UNS FIRST NATL BANK SOUTH SALT LAKE 12490495 VALLEY BANK AND TRUST CO 12490270 12490290 BANK OF UTAH FIRST SECURITY 6K OF 1500150 VERMONT NATIONAL BANK 5510490 5510534 5510600 5510940 5510944 5511350 5511625 5511630 5511740 5511950 NATIONAL BANK AND FIRST 6 MRCH NB TRUST OF CO 5512345 12691 4523 8368 UT UT 92396 1141027 1533 12924 169389 145348 2098 1331 4924 57729 9964 6486 567995 761458 5999 4802 7155 28 065 36546 212513 4593 7134 34064 41348 11727 977 47636 4522 3378 24226 3947 10093 UT UT UT 3391 44 8 05 7866 2583 5419 UT UT 167B5 4124 384119 119491 6648 2507 11007 3550 131765 114348 3291 2874 2292 3600 VA VA VA 364212 1739673 11519 40504 11B88 59s26 104892 4212 RICHMUNO VA 522515 VA VA VA VA VA VA VA VA FIDELITY AMERICAN 5ANK NA UNITED VA BK / FIRST NAT LYNCHBURG LYNCHBURG FIRST NB OF MARTINVILLE MARTINVILLE VA VA DOMINION NB OF NORFOLK VA VIRGINIA 5512365 5512370 FI RST (.MERCHANT S N8 SOUTHERN BANK AND TRUST <$ BANKS CO FIRST NAT EXCHANGE ROANOKE ROANOKE 5512904 DOMINION N3 OF NORTHERN VA 5512911 UNITED VIRGINIA BANK-NAT 6 MERCHANTS NAT BK BK COUNTY SPRINGFIELD SPRINGFIELO VIENNA VIENNA WINCHESTER OF THE PENINSULA YORK CUUNTY 12530851 PACIFIC NB 12530660 PEOPLES NAT 12530867 RAINIER NATIONAL OF WASHINGTON SEATTLE WASH SEATTLE BANK OF BANK SEATTLE 1253G87O SEATTLE-FIRST NATIONAL BANK SEATTLE 12530860 SEATTLE TRUST AND SAVINGS 6KS6ATTLE 12530990 OLD Nb OF WASHINGTON SPOKANE PUGET SOUND NATIONAL BANK TACOMA 5540060 5540070 BECKLEY NATIONAL BANK BECKLEY RALEIGH COUNTY NAT BK BECKcEY 5540130 FLAT TOP NAT tsK CF tsLUEFIELDBLUEE1ELD 5540230 CHARLESTON NATIONAL BANK CHARLtSTUF 5540240 KANAWHA BK £. TR CO NA CHARLESTOA 5540250 KANAWHA VALLEY BANK NA CHARLESIOA 5540320 NAT BK OF CMRC OF CHARLESTONCHARctSTUN UNION NB OF CLARKSBURG CLARKSBURG 5540430 5540620 FIRST NB IN FAIRMONT FIRST HUNTINGTON No 5540730 NATIONAL 5540930 FIRST NB BK OF FAIRMONT HUNTINGTON LOGAN LOGAN OF MORGANTOWN PARKERSBURG NATIONAL BANK WHEELING DOLLAR 6 TR SVGS MORGANTOWN PARKERSuUR COWHEELING 31090 6728 4999 8002 5480 2522 11831 7638 3778 7239 26644 5315 17655 6057 5551 6280 5326 3404 3716 9189 4237 2312 374 3523 17455 1078 11888 2268 4633 3944 5112 11519 77508 22322 1314 99830 5526 1335 4191 8446 16286 24732 20257 4475 307546 103610 4474 1730 11122 4522 15596 10136 1612 5460 4640 1017912 173280 16889 2633 43925 5930 50302 3373 10512 T RICHMOND BK 5442 5106 9838 10258 5583 6374 23407 6252 60814 8563 15387 1424 1639 1262 EFFECT ON RESERVES COMMITTEE ALTERNATIVE LOCATION 5512462 C0L0N1AL-AMERICAN NAT BK 5512653 ALEXANDRIA NAT BK OF N VA 5512655 NORTHERN VIRGINIA BANK F6M NAT VA HOUSE NAME 5513070 FARMERS RICHMOND RlChMOND IOOOS) 5512430 UNITED VIRGINIA BANK https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 8865 7859 1191 RICHMOND 5541060 4541720 4026 439523 111182 RICHMUND 5540260 222201 3684 1734 4698 RICHMOND 12531060 6854 7630 7582 OF RICHMOND 5513145 8351 1231 2618 4249 OF 5512460 3168 8085 10446 3954 2044 2541 BK OSB 11519 5344 8024 127647 76416 130599 DOMINION NB MEMBER 9219 2741 2424 233392 5512350 CENTRAL NAT 5512410 2300 143109 173546 VA NORFOLK 5511963 UNITED VA BK/SEABOARD NAT NORFOLK 5611985 VIRGINIA NATIONAL BANK 5512185 FIDELITY AM BK NA TIDEWATER PORTSMOUTH DIF 194157 VA FAIRFAX CTY HARRISONBURG NEW RR TX TX TX CHARLOTTESVILLE FIRST VIRGINIA BANK ROCKINGHAM NATIONAL TOTRR TX 182030 DANVILLE FAIRFAX CTY TIDEWATER RES BAL VT TIDEWATERCHESAPEAKE BANK VLTCSH BRATTLEBORO FIRST NAT BANK OF DANVILLE NATIONAL BANK OF FAIRFAX BANK OF 8/15/78 EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE OEP VA 725602 VA VA VA VA 773874 188292 135153 127026 VLTCSH 5190 8/15/78 RES BAL TOTRR NEW RR DIF 8458 7361 28620 37078 28770 8308 32006 3337 5 644 4 309 4 084 40369 6961 7378 7532 9503 4784 4989 16216 9463 28589 30866 4197 3531 3327 4093 3847 4205 5370 21588 7001 4264 3217 7767 1640 2914 4853 138353 456059 30b9 3448 4474 10373 144096 2964 VA 125119 4550 WA WA WA 1005888 937993 2318452 18389 36440 54829 46419 17021 35315 40233 108568 57254 143683 43626 122433 WA WA WA WA 4044962 344774 783816 456618 69347 174553 6313 15250 11764 12227 29037 12717 243900 18540 209763 11753 44287 2 4481 36219 17923 WV WV 117526 1559 3781 5340 186 5154 114319 103873 2363 1708 3536 3668 5919 5576 106 5811 201U72 5050 4910 5954 1061 3601 11703 6988 13144 666 5749 136932 259036 6653 5927 9543 2874 4114 116642 143724 3259 1690 8887 3103 4257 2662 79695 135G07 1816 2144 69834 107125 1273 1127 109277 106353 2262 2373 VA VA VA WV wv wv wv wv wv wv wv wv wv wv wv 2506 7226 . 5765 5564 1801 7254 3bl7 4944 7088 2566 4567 2 7&0 3177 3659 5694 5062 5550 5588 8410 13628 21450 34137 6787 6068 6556 2423 4631 413 3610 3204 3476 755 1452 3104 4242 726 2019 4336 3531 MEMBER BANKS OSB 7550150 9551370 9551380 7551900 7552340 9552441 9552442 7552720 FIRST NB OF APPLETON AMERICAN NATIONAL BK C TR FIRST Wl NB OF MADISON 7552830 MANITOWOC SAVINGS BANK N 7553180 FIRST WISCONSIN NAT BANK 7553260 MARINE NATIONAL EXCHANGE MCI MARSHALL MCI NORTHERN BANK APPLETON EAU CLAIRE EAU CLAIRE 8ANK A MILWAUKEE BK MILWAUKEE ILSLEY BANK £. MADISON MANITOWOC MILWAUKEE MILWAUKEE FIRST Wl NB UF OSHKOSH FIRST NATIONAL BK ANO TR OSHKOSH RACINE 7554160 SHEbOYGAN 7554500 CITIZENS BANK OF SHEbOYGAN 7554530 SECURITY FIRST NATIONAL BANKSHEBOYC-AN FIRST NB OF WAUKESHA WAUKESHA 7555200 7555370 FIRST AMERICAN NAT BANK MILWAUKEE COUNTY BANK 7555390 FIRST NB 75553C0 OF W BEND WAUSAU WtSl ALLIS WEST 10560070 FIRST NAT BK OF CASPER 105600B0 WYOMING NAT BK OF CASPER BEND CASPER CASPER VLTCSH OEP Wl 139072 1995 Wl Wl 101672 119693 201309 122070 1836 2166 4565 2653 7372 Wl Wl Wl GREEN BAY KENOSHA LA CROSSE LA CROSSE KELLOGG CITIZENS NAT BANK FIRST NB OF KENOSHA FIRST BANK NA FIRST NAT BK OF LA CROSSE 7553270 7553271 7553800 T LOCATION NAME FIRST WISC NAT 8/15/78 EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE ($ lOOOS) RES BAL 4160 3080 3453 5110 3240 12457 2 529 TOTRR NEW RR 6155 2439 4916 5619 9675 5893 19829 4465 1142 1333 5194 2095 13588 422 7344 Wl Wl 357284 94232 261627 Wl Wl Wl 87576 1646020 457697 Wl Wl Wl Wl Wl Wl 645450 112447 113971 133142 172944 111799 2534 965 5417 4933 Wl Wl Wl 152252 150270 96158 1602 2367 5627 5082 931 Wl 62551 396 3354 3269 WY WY 158837 186271 1417 7498 8915 639 8298 8937 1936 3888 1086 21745 10987 16137 1640 2039 2599 12064 2764 79530 15952 16433 25586 4052 3850 101275 27420 41723 5692 2 790 3628 4629 6227 7951 5898 7429 7449 4285 3665 632 102071 18347 29286 1946 966 2041 4922 1141 3316 2652 2377 OIF 3716 3774 4286 4481 3798 6241 4043 8608 3218 -796 9073 12437 3746 05 to 3863 4186 3029 4757 4113 4797 134 1908 3531 2778 3135 6137 5802 APPENDIX III (continued) NONMEMBER DSB BANKS NAME 6010305 CENTRAL LOCATION BANK OF 6010310 FIRST AL BANK 12020002 ALASKA BANK OF BIRMINGHAM OF COMMERCE 12040060 ARIZONA BANK 8051560 CONTINENTAL BANK GREAT WESTERN BANK C TRUST UNlTEO BANK OF ARIZONA UNION BANK TWIN CITY BANK 12060047 MIOCSTATE BANK 12060353 12060535 12060630 12060663 12060680 12060702 12060703 12060708 12060713 12060718 12060719 12060744 12060885 GOLDEN STATE BANK COMMUNITY BANK AMERICAN CITY BANK CATHAY BANK 12061010 12061130 FIRST LOS ANGELES BANK IMPERIAL BANK INDEPENDENCE BANK LLOYDS BANK CALIFORNIA MANUFACTURERS BANK MITSUBISHI BANK OF CALIF MITSUI BANK OF CA TOKAI BK OF CALIFORNIA BANK OF NEWPORT BANK OF A LEVY MECHANICS 8ANK BIRMINGHAM VLTCSH RES BAL TOTRR NEW RR OIF 510662 3050 0 AL 26489 -26489 319352 6672 0 9791 -9791 AK AK 125202 115184 2387 1793 0 0 1322 328 -1322 -328 PHOENIX AZ 1137864 PHOENIX 11432 0 AZ AZ 54714 -54714 PHOENIX 195072 264876 1477 3002 PHOENIX TUCSON AZ AZ 391942 101287 3322 637 0 0 0 0 3574 7864 13404 1145 -3574 -7864 -13404 -1145 NORTH LITTLE ROCK AR AR 97470 931 J ANCHORAGE ANCHORAGE ARROYO GRANDE DOWNEY HUNTINGTON PARK LOS ANGELES LOS ANGELES LOS ANGELES LOS ANGELES LOS ANGELES LOS ANGELES LOS ANGELES LOS ANGELES LOS LOS ANGELES ANGELES NEWPORT OXNARD BEACH RICHMOND 12061220 FIRST CITY BANK ROSEMEAD 12061330 SAN DIEGO TRUST SAVINGS BKSAN 01EG0 12061420 BANK OF CANTON OF CALIFORNIASAN FRANCISCO 12061437 8ARCLAYS BANK OF CALIF SAN FRANCISCO 12061440 CALIFORNIA CANADIAN BANK SAN FRANCISCO 12061441 CALIFORNIA FIRST BANK SAN FRANCISCO 12061443 CHARTERED BANK OF LONDON SAN FRANCISCO 12061460 HIBERNIA BANK SAN FRANCISCO https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis T DEP 8/15/78 AL BIRMINGHAM BIRMINGHAM 12020008 ALASKA STATEBANK 12040062 12040095 12040099 12040145 EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE {$ lOOOS) 05 CO 558 -558 CA 75097 1830 0 CA CA CA CA CA CA CA 723 138484 229652 132337 79837 129148 -723 329899 93801 1450256 2044 1363 683 773 260 1986 804 12182 3532 6297 2382 889 2936 11871 222 -3532 -6297 -2382 -889 -2936 -11871 -222 415400 201145 101066 1122 2709 108 102528 94670 187290 485 914 2513 2830 1337 12881 0 0 0 0 0 0 0 0 0 0 0 0 69263 15229 5515 140 62 0 0 1415 5592 -69263 -15229 -5515 -140 -62 -1415 -5592 0 0 0 21208 -6955 -1038 -21208 CA CA CA CA CA CA CA CA CA 223740 91140 422435 CA CA 157258 515121 CA CA CA CA CA _ _ 348210 1927653 282161 404483 _ 6955 1038 525 5704 2281 20937 0 0 0 795 22144 12319 ..969O4 -795 -22144 -12319 _-96904 3251 4013 0 0 8635 17142- -8635 -17142 NCNMEM8ER (t BANKS T DEP LXATION NAME DSB BANK 10080485 MOUNTAIN STATES BANK 10081015 JEFFERSON BANK E TRUST 2090093 2090500 1090665 1090960 3100410 NONMEMBER BANKS ($ 2017 1017 5261 43225 5792 -1017 -5261 -43225 -5792 0 0 0 0 0 0 0 0 0 0 1096 4482 6 4660 1009 3640 2198 3809 -1096 -4482 -6 -4660 -1009 -3640 -2198 -3809 CO 73321 1265 0 0 455 -455 CO CO 66884 113860 642 792 0 0 0 0 19 2240 -19 -2240 BRIDGEPORT GREENWICH HARTFORO NEW BRITAIN NEW HAVEN CT CT CT CT CT CT CT CT CT CT 487264 155375 166893 68338 359894 261937 607163 109587 453184 62934 7429 1584 2852 1131 8644 6656 17721 1387 7976 1010 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 19970 3822 4779 122 15236 10016 39782 -19970 -3822 -4779 -122 -15236 -10016 -39782 -1342 -16063 -1186 DE DE DE 314591 524384 438402 882559 6308 8081 6048 8115 0 0 0 0 0 0 0 0 NEW HAVEN NEW HAVEN STAMFORD WATERBURY WESTPORT OF CA CA CA CA CA CA CA DE 0 0 0 0 0 0 0 0 0 0 1342 16083 1186 12118 22244 16813 58457 lOOOS) NAME LXATION 6120105 FIRST BKCTR OF PALM BCH CTY 6120157 CAPE CORAL BANK 6120190 BANK OF CLEARWATER 6120254 SUN BANK OF MIAMI 6120300 DANIA BANK 6120331 SUN BANK OF VOLUSIA CTY 6120335 SOUTHEAST BANK OF DEERFIELD 6120470 LEE COUNTY BANK 6120460 SUN bANK OF ST LUCIE COUNTY 6120563 BANK OF HALLANDALE C TR CO BOYNTON T DEP BEACH CAPE CORAL CLEARWATER CORAL GABLES DANIA DAYTONA BEACH DEERFIELD BEACH FORT MYERS FORT PIERCE HALLANDALE 6120675 HIALEAH-MIAMI SPRGS FIRST STHIALEAH 6120587 BARNETT BANK OF HOLLYWOOD HOLLYWOOD 6120593 SOUTHEAST BANK OF HOLLYWOOD HOLLYWOOD 6120626 ATLANTIC BANK OF SPR1NGFIELDJACKSONVILLE 6120790 PEOPLES BANK OF LAKELAND LAKELAND 6120815 SOUTHEAST FIRST BK OF LARGO LARGO 6120905 CENTRAL BANK C TRUST CO MIAMI 6120906 BANK OF MIAMI MIAMI 6120920 COCONoT GROVE BANK MIAMI 6121005 INTERCONTINENTAL BANK MIAMI BEACH 6121065 6121175 BARNETT BANK OF 6121277 6121278 6121315 6121367 FL COAST BANK OF POMPANO BCHPOMTaNO BEACH PORT CHARLOTTE BK C TRUST COPORT CHARLOTTE FIRST MARINE BCTC OF PALM BCRIVIERA BEACH ST PETERSBURG BANK AND TRUSTST PETERSBURG 6121410 6121423 ELLIS SARASOTA BK ♦ TRUST COSARASOTA COMMUNITY BANK OF PINELLAS SEFfINOLE 6130745 6130890 6131207 6131355 6132178 BANK OF NAPLES NAPLES PALM BEACH AND TR COPALM BEACH PEACHTREE BANK ANO TRUST CO COLUMBUS BANK AND TR CO CITIZENS C STHRN EMORY BANK CTZNS E SO BK OF FULTON CTY FIRST BANK E TRUST CO 12150020 AMERICAN SECURITY BANK 12150030 BANK https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis OF HAWAII CHAMBLEE COLUMBUS DE KALB COUNTY EAST POINT MAR IETTA HONOLULU HONOLULU FL FL FL FL FL FL FL FL FL FL FL FL FL FL FL FL FL FL FL FL FL FL FL FL FL FL FL FL GA GA GA GA GA HI HI VLTCSH 137201 120348 120670 1422 242580 118804 86416 88164 165732 81063 83804 102660 6175 866 2330 1883 1639 2753 1268 1662 2472 642 914 2591 88443 72170 92648 211713 80422 2133 981 1319 190839 107109 760 2377 936 663 1908 1571 1576 1121 979 1744 84066 185319 202834 116313 86304 1290 3592 2537 1257 1886 229078 1175653 RES BAL 0 0 0 0 0 0 0 0 0 0 0 0 0 0 640 1311 85356 159046 68907 163217 99830 92736 145406 81697 88093 124913 3847 17539 H-* -12118 -22244 -16813 -58457 8/15/78 HOUSE COMMITTEE ALTERNATIVE OSB -2017 DENVER LAKEWOOO DEL DOVER WILMINGTON WILMINGTON WILMINGTON WILMINGTON TRUST COMPANY OF THE ST BANK OF DELAWARE DELAWARE TRUST COMPANY 0 0 0 0 0 0 OENVER 2091523 FIDELITY TRUST CO 1091740 COLONIAL BANK ANO TRUST CO 2091600 WESTPORT BANK 6 TRUST CO FARMERS BK NEW RR CA CA CA CA CA CA 1091070 FIRST BANK 1091110 SECOND NEW HAVEN BANK 1091131 UNION TRUST COMPANY 3100325 3100360 DIF TOTRR BAL 849 594 935 7782 1400 154 1816 1108 1825 1789 1864 1000 2214 C1TYTRUST PUTNAM TRUST CO UNITED BANK AND TRUST CO NEW BRITAIN BANK AND TR CO 3100050 131144 VLTCSH 109060 272371 1005886 187787 115207 163190 64176 164712 91333 169818 126585 133354 SAN FRANCISCO OF CALIFORNIA SAN FRANCISCO 12061475 REDWOOD BANK SAN FRANCISCO 12061483 SANWA BK OF CALIFORNIA 12061485 SUMITOMO BANK OF CALIFORNIA SAN FRANCISCO SAN RAFAEL 12061555 BANK OF MARIN SANTA ANA 12061597 WESTLANDS BANK SANTA MONICA 12061670 SANTA MONICA BANK SANTA ROSA 12061687 BANK OF SONOMA COUNTY SANTA ROSA 12061690 EXCHANGE BANK SIGNAL HILL 12061730 HOME BANK STOCKTON 12061770 BANK OF STOCKTON STOCKTON 12061780 UNION SAFE DEPOSIT BANK VISTA 12061922 SOUTHWEST BANK 12061465 HONGKONG BK 10080390 COLOR.ADO STATE 8/15/78 EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE lOOOS) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 TOTRR NEW RR 0 0 0 0 0 0 0 0 0 0 1059 1099 1972 10570 1316 415 1123 2878 693 1206 1720 1031 498 327 3818 0 0 0 0 0 0 0 0 0 0 0 0 .0 0 0 0 0 0 146 642 1561 611 25 01 1578 , 316 3445 330 785 2506 5346 1680 DIF -1059 -1099 -1972 -10570 -1316 -415 -1123 -2878 -693 -1206 -1720 -1031 -498 -327 -3818 -146 -642 -1561 -611 -2 501 -1578 -316 -3445 -330 -785 -2506 -5346 -1680 0 117 -117 0 0 0 0 3007 4060 357 476 -3007 -4060 -357 -476 0 0 5885 59465 -5885 -59465 <35 Ct NONMEMBER BANKS DSB ($ iOOOS) HOUSE LOCATION NAME 12150055 CENTRAL 12150058 12150065 12150090 PACIFIC FIRST HAWAIIAN LIBERTY BANK BK £ TR 7171470 AETNA BANK TRUST T DEP HONOLULU HONOLULU BANK CITY BANK 12160350 IDAHO BANK AND 12160365 VALLEY BANK 7170285 CO CO OF ARLINGTON HTS 7171632 7171649 7171657 7171755 7171765 7171940 7171980 7172070 7173023 7173028 7173137 7173570 7173868 7174440 7174725 7175510 7175880 ST BK 7178210 WHEELING TRUST 7178250 WILMETTE BANK £ TRUST CO £ SAVINGS E 8162140 DUBOIS COUNTY BANK 8182150 GERMAN AMERICAN BANK 7182240 UNION BANK AND TRUST CO 7182280 LAFAYETTE BANK AND TRUST CO 7182730 CITIZENS BK OF MICHIGAN CY 7184140 ST JOSEPH 8ANK AND TRUST CO 7184190 FIRST BANK £ TRUST CO 7184475 NORTHERN IND BK £ TR CO POCATELLO ID 0 ID 286432 143050 2422 REXBURG 1803 0 0 0 Arlington heights iL 82300 98^98 578 0 0 979 985 179 1582 0 0 0 0 3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 IL IL IL 192941 128488 140062 145136 134345 188632 128544 152848 148071 101689 184273 90394 114264 287418 133670 IL IL CHICAGO IL IL IL • IL IL IL IL IL IL IL IL IL IL IL IL IL IL IL 138135 97164 82096 90838 183715 78151 102086 101236 165B98 95727 125874 80223 IL IL IL IL IL 0 o 1352 1690 419 1047 638 2123 952 2665 757 779 1584 954 0 0 0 0 0 0 0 0 0 0 0 0 754 901 535 1266 1303 554 1283 1369 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 726 1030 3307 256 2i . 1346 4481 487 3522 3832 2291 1196 3060 505 2153 98 3295 377 2792 11570 3471 3351 1408 204 111 4480 98 1696 1238 2953 818 3156 126 ROSELLE SKOKIE SOUTH HOLLAND WHEATON WHEELING WILMETTE JASPER JASPER ,wunu KOKOMO LAFAYETTE MICHIGAN CITY SOUTH BEND SPEEDWAY VALPARAISO BLUFFS SAVINGS bank COUNCIL BANK AND TRUST CO DUBUQUE BLUFFS FARMERS £ MERCHANTS HOME STATE BANK ST BK 10204678 SOUTHGATE BANK £ TR 10206040 KANSAS STATE BANK £ CO TR CO DERBY KANSAS CITY PRAIRIE VILLAGE WICHITA COMMITTEE ALTERNATIVE T DEP VLTCSH IL 86713 705 IL IL IL IL IL 95231 119529 98093 103700 115725 1051 IN IN 129848 167500 221498 108524 227031 245305 138948 111076 IN IN IN IN IN IN IN IN IN IN IN IN IN IN IN IA IA https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis -7468 -1774 2190 7180080 ANDERSON BANKING COMPANY ANDERSON 7180640 IRWIN UNION BK AND TR CO COLUMBUS 7181210 ST JOSEPH VALLEY BANK ELKHART 7181440 ANTHONY WAYNE BANK FORT WAYNE 7181465 INDIANA BANK ANO TRUST CO FORT WAYNE 7181480 PEOPLES TRUST BANK run, FORT WAYNE 7181700 SALEM BANK AND TRUST COMPANYGOSHEN 7181840 HOOSIER STATE BK OF INOIANA HAMMOND 718210C -.E??*:ES BANK AND TRUST CO INDIANAPOLIS 10201390 10202950 7468 1774 125013 0 0 LOCATION 7177223 OLD ORCHARD BK AND TR CO 7177260 SOUTH HOLLAND TR & SVG BK 7178190 GARY WHEATON BANK C0UNCIL 7191740 DUBUOUE -6716 -1442 -48113 2790 15850 DIP -95 8 -21 - i346 -4481 -487 -3522 -3832 -2291 -1196 -3060 -505 -2153 -98 -3295 -377 -2792 -11570 -3471 -3351 -1408 -204 -111 -4480 -98 -1696 -1238 -2953 -818 -3156 -126 IOOOS) NAME 7176910 ROSELLE 6716 1442 48113 958 HONOLULU HONOLULU HOUSE DSB 0 0 0 0 4255 7176310 JEFFERSON TRUST AND SAVINGS PEORIA 7176760 RIVER FOREST ST BK£TR CO RIVER FOREST ($ NEW rr 151048 1024771 UPPER AVENUE BANK CHICAGO FIRST SECURITY TR AND SVG ELMWOOD PARK MIDWEST BANK ANO TRUST CO ELMWOOD PARK HERITAGE/STANDARD BK £ TR COEVERGREEN PARK GLENVIEW STATE BANK GLENVIEW PARKWAY BANK £ TRUST CO HARWOOD HEIGHTS LA GRANGE STATE BANK LA GRANGE BANK OF LINCOLNWOOD LINCOLNWOOD MOUNT PROSPECT STATE BANK MOUNT PROSPECT AVENUE 8ANK AND TRUST CO OAK PARK BANKS TDTRR 272853 CHICAGO CHICAGO CHICAGO FORD CITY BANK £ TRUST CO CHICAGO HYOE PARK BANK £ TRUST CO CHICAGO HfcRITAGE/PULLMAN BK £ TR CO CHICAGO MADISON BANK AND TRUST CO CHICAGO MANUFACTURERS BANK CHICAGO PIONEER BANK £ TRUST CO CHICAGO SOUTH CHICAGO SAVINGS BK PO CHICAGO NONMEMBER res bal HI HI HI BANK CHICAGO CITY BANK AND TRUST CHKAGO-TOKYO BANK COLONIAL BANK AND TRUST CO FIRST PACIFIC BK OF CHICAGO VLTCSH e/ls/Tb HI CHICAGO 7171480 AMALGAMATED TRUST £ SVGS BK CHICAGO 7171494 BANCO DI ROMA (CHICAGO) CHICAGO 7171502 BANK OF RAVENSWOOD CHICAGO 7171511 BEVERLY BANK CHICAGO 7171530 7171542 7171552 7171629 EFFECT ON RESERVES COMMITTEE ALTERNATIVE KS KS KS KS 73835 102896 82955 149676 95792 104515 268251 126799 125729 92792 116538 77578 50732 107325 123399 8/15/78 RES BAL TOTRR 663 1207 496 610 3060 2595 3069 0 0 0 2890 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3445 2922 1824 3207 1052 926 844 3276 840 1743 2098 1783 1734 1248 1519 561 303 1034 816 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 NEW RR DIF 537 -537 600 2098 503 -600 -2098 -503 56 1857 -56 -1857 1251 2953 4787 -1251 -2953 -4787 493 4494 8501 1502 1453 -493 -4494 -8501 -1502 -1453 212 138 -212 -138 48 1628 -48 -1628 31 310 5787 1183 -31 -310 -5787 -1163 1201 -1201 189 -189 634 -634 67 624 2 1649 -67 -624 -2 -1649 05 NONMEMBER 8211170 FRANKFORT FRMS BK £ CAPITAL TR CO CENTRAL BANK AND TRUST CO LEXINGTON 4211930 8212045 BANK OF LOUISV ILLE-kOYAL BK LOUISVILLE PADUCAH 8212870 CITIZENS BANK £ TRUST CO GUARANTY BK AND TRUST CO AMERICAN BANK AND TRUST CO CAPITAL BANK AND TRUST CO BOSSIER BANK AND TRUST CO GUARANTY BANK AND TR CO 6220490 6220545 6220640 6220835 6221190 11221325 FIRST GUARANTY BANK TERREBONNE BANK £ TRUST CO GUARANTY BANK AND TRUST CO METAIRIE 8ANK AND TRUST CO RACELAND 8ANK AND TRUST CO LOUISIANA BANK £ TRUST CO 1122 1330 PIONEER BANK £ TRUST 6221390 CITIZENS BANK AND TR CO CO ALEXANDRIA BATON ROUGE BATON ROUGE BOSSIER CITY GRETNA HAMMOND HOUMA LAFAYETTE METAIRIE RACELAND SHREVEPORT SHREVEPORT 1230060 DEPOSITORS TRUST COMPANY 1230545 NE BK OF LEWISTON £ AUBURN 5240130 5240240 5240350 5240960 5241075 5241420 5241515 5241575 5241740 £ 1250280 7263060 7263320 7263480 7263520 7263720 7264170 7264460 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 0 2534 0 0 0 4118 2301 0 0 0 0 150202 459966 214859 133716 80702 114620 154113 236104 2645 7117 0 0 1728 1046 2194 2416 2469 3907 1506 0 0 0 0 0 0 ' 0 0 0 0 0 0 0 0 1639 1695 2085 10142 TR CO DEPST £ INTER-CITY BANK CADILLAC STATE BANK FIRST STATE BANK EAST LANSING STATE BANK FRANKENMUTH BANK £ TRUST BK AND TR £ TR PONTIAC STATE BANK PEOPLES BK OF PORT HURON -2085 1036 -10142 -1036 0 0 0 0 0 0 2839 14251 1832 463 861 752 2407 6014 700 60 2174 -2839 -14251 -1832 -463 -861 -752 -2407 -6014 -700 -60 -2174 2253 1910 0 0 0 0 1573 997 -1573 -997 222999 85843 294402 4341 3074 3971 0 0 0 0 0 0 8263 949 11205 -8263 -949 -11205 MO MD MD MD 1264622 391874 63572 75977 26913 2 840 0 0 1828 2322 0 0 0 0 0 0 64960 13597 356 248 -64960 -13597 -356 -248 MD MD MD MD MO 950130 458872 191481 122918 98574 24240 12665 4553 3098 1883 0 0 0 0 0 0 0 0 0 0 48368 24185 -48368 -24185 -5721 -187 -1196 BOSTON BOSTON CAMBRIDGE CAMBRIDGE DEDHAM FALL RIVER FRAMINGHAM LAWRENCE T MA MA MA MA MA MA SPRINGFIELD WALTHAM WALTHAM WATERTOWN WORCESTER MA MA MA MA MA MA MA MA MA MA MA MA MA WORCESTER MA LYNN PITTSFIELD PITTSFIELD QUINCY QUINCY ROCKLAND BENTON HARBOR CADILLAC EAST DETROIT EAST LANSING FRANKENMUTH FRASER CO GRAND HAVEN HAMTRAMCK HAMTRAMCK KALAMAZOO MONROE BANK £ TRUST MOUNT CLEMENS BANK MUSKEGON BANK AND TRUST CO OWOSSO SAVINGS BANK -3324 ME ME ME LOCATION STATE BANK OF SECURITY FIRST 1524 148428 347476 124479 5721 187 1196 EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE NAME BANK UF COMMERCE PEOPLES STATE BANK INDUSTRIAL STATE BK 3324 161691 DIF AUGUSTA LEWISTON PORTLAND {$ lOOOS) 1253315 BAYBANK NEWTON-WALTHAM TC• 1253322 GUARANTY FIRST TR CO 1253395 COOLIOGE BANK AND TRUST CO 1253740 GUARANTY BANK AND TRUST CO 1253750 MECHANICS BANK 7260620 7261260 7261280 7261560 7261530 7261685 7261860 7261880 7262360 7262940 7263010 LA LA LA LA NEW RR LA LA PEOPLES SECURITY BANK OF MD SUITLAND CARROLL CTY BANK £ TRUST CO WESTMINSTER 1250591 UNITED STATES TRUST COMPANY 1250732 BAYBANK HARVARD TRUST CO 1250750 CAMBRIDGE TRUST COMPANY 1250995 BAYBANK NORFOLK CTY TR CO 1251110 BMC DURFEE TRUST COMPANY 1251260 FRAMINGHAM TRUST CO 1251700 ARLINGTON TRUST COMPANY 1251940 ESSEX COUNTY bANK £ TR CO 1252725 BERKSHIRE BANK AND TRUST CO 1252755 FIRST AGRICULTURAL BANK 1252825 HANCOCK BK £ TR CO 1252845 SOUTH SHORE BANK 1252900 ROCKLANO TRUST COMPANY 1253190 VALLEY BANK AND TRUST CO 7260415 LA LA LA TOTRR THIBODAUX BALTIMORE CO BALTIMORE BETHESDA BANK OF BETHESDA HAGERSTOWN HAGERSTOWN TRUST COMPANY HYATTSVILLE SUBURBAN TRUST COMPANY RIVERDALE CITIZENS BK £ TR CO OF MO SILVER SPRING AMERICAN BANK OF MARYLAND BOSTON SAFE LA LA LA LA BAL 65163 80687 168393 115689 126530 EQUITABLE TRUST COMPANY MERCANTILE SAFE DEP £ TR NONMEMBER BANKS DSB TR CO KY KY KY KY VLTCSH MONROE MOUNT CLEMENS MUSKEGON OWOSSO PONTIAC PORT HURON ROYAL OAK TRAVERSE CITY WAYNE OAKLAND BANK TRAVERSE CITY STATE BANK FIRST MICHIGAN BK AND TR CO ZEELAND MI MI MI MI MI Ml MI Ml MI MI DEP 161208 119652 303253 55134 439552 84226 88191 364526 166769 93341 126437 100782 264515 111724 285181 360540 72739 133587 261506 127825 VLTCSH 4610 8098 1812 1345 3808 2745 2511 1666 2982 1075 2556 1266 1464 3389 MI MI MI MI MI MI 336620 129591 MI MI 369742 142904 MI 165178 115409 130218 732 1971 1907 1709 1561 2028 5275 1880 6492 2207 1593 TOTRR NEW RR 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0. 0 0 5782 -5782 1838 12999 -1838 -12999 54 19973 -54 -19973 725 1756 14414 -725 -1756 -14414 5300 825 2328 24 02 10669 2549 10769 15931 2718 -5300 -825 -2328 -2402 -10669 -2549 -10769 -15931 -251 -4279 -10213 -2718 878 2219 -878 -2219 728 750 4207 100 221 5825 -728 -750 -4207 -100 -221 -5825 477 1655 2843 -477 -1655 -2843 447 1951 -447 -1951 2010 11597 1227 -2010 -11597 0 0 0 0 0 0 0 0 7500 1609 2741 82283 93462 177485 109066 72935 124143 145354 117749 RES BAL 2825 1936 125528 132789 94837 200879 8/15/78 4440 1015 4847 2424 2658 2630 1342 6436 3417 168 6220030 6220065 622(5087 11220160 6220465 1230700 CASCO BK T DEP LOCATION NAME OSB 8/15/78 EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE (S lOOOS) BANKS 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 . 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 251 4279 10213 DIF 13224 2536 -1227 -13224 -2536 3412 -3412 cn CD NONMEMBER (S BANKS 9273960 CAMDEM NORTHWESTERN ST BANK MINNEAPOLIS 9275065 RICHFIELD BANK AND TRUST CO RICHFIELD 8280310 BANK OF CLARKSDALE GRENADA GULFPORT CLARKSDALE 8280700 GRENADA BANK 6280730 HANCOCK BANK 6280915 MISSISSIPPI BANK 8281790 BANK OF MISSISSIPPI 8281810 PEOPLES BANK AND TRUST CO JACKSON TUPELO TUPELO 8290990 CLAYTON BANK 8291010 ST LOUIS COUNTY BANK 8291186 FIRST MISSOURI BANK 8292360 CENTRAL TRUST BANK 8292371 LANDMARK N CTY BK AND TR CO 8292372 MARK TWAIN NORTHLAND BANK 10292589 PLAZA BANK C TRUST COMPANY 8294665 8294690 8294735 8294810 8295290 8295295 8295790 CLAYTON CLAYTON CREVE COEUR JEFFERSON CITY JENNINGS JENNINGS KANSAS CITY BANK OF ST LOUIS ST LOUIS CASS BANK AND TRUST COMPANY ST LOUIS HAMPTON BANK OF ST LOUIS . ST LOUIS MERCANTILE CMRC TRUST CO ST LOUIS COMMERCE BANK OF SPRINGF1ELOSPR1NGFI ELD EMPIRE BANK SPRINGFIELD LANDMARK CENTRAL BK C TR CO WELLSTON NONMEMBER DSB BANK BANKS ($ 0 0 676 730 NEW RR 0 0 354 -354 500 -500 -454 -6393 -3939 MN 59718 MN 80206 MS 137046 298524 237500 199674 229472 149976 2725 5052 3628 0 0 0 2670 6212 2582 0 0 0 454 6393 3939 2340 3491 960 182349 261676 70754 180980 101088 612 1621 0 0 646 1150 917 0 0 0 0 0 0 0 0 3215 9619 10 4596 689 -3215 -9619 -10 -4596 -689 497 0 789 0 0 0 0 0 0 0 0 0 0 17 79 6138 385 436 10 3103 316 640 -17 -79 -6138 -385 -436 -10 -3103 -316 -640 MS MS MS MS MS MO MO MO MO MO MO MO MO MO MO 79869 78572 193846 71260 105546 74128 162047 95891 96500 MO MO MO MO 2348 ‘ 0 510 1789 660 2589 1076- 0 0 0 0 0 851 0 -2340 -3491 "960 5472 0 111911 1484 0 0 0 6392 2326 -6392 -2326 MANCHESTER NH 0 0 2801 -2801 139034 1403 EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE NAME LOCATION C DIF TOTRR 237271 NASHUA TR COROCHESTER SOMERSET TRUST CO FRANKLIN STATE BANK CENTRAL JERSEY BK AND TR CO COMMUNITY STATE BK £ TR CO UNITED JERSEY BANK/NORTH BURLINGTON CTY TRUST CO BROADWAY BK £ TR CO FIDELITY BK £ TR CO OF N J 3342870 PRINCETON BANK T DEP VLTCSH 8/15/78 RES BAL TOTRR NEW RR DIF NH NH 97132 85072 1419 200 0 0 0 0 957 512 ATLANTIC CITY BERGENFIELD BRIDGEWATER TWP NJ 6257 0 1083 0 NJ NJ NJ 0 0 0 0 0 0 0 o 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 6756 1133 FRANKLIN TWP FREEHOLD TWP LINDEN MONTVALE MOORESTOWN PATERSON 232093 89854 141553 351947 2183 11312 21748 2708 367 3356 842 573 2613 11409 6312 -842 -573 -2613 -11409 -6312 NJ NJ -957 -512 -6756 -1133 -2183 -11312 -21748 -2708 -367 -3356 PENNSAUKEN TWP PRINCETON SUMMIT UNION CITY NJ NJ NJ NJ NJ 91665 120805 298944 186308 2119 5397 10971 1842 1563 2610 1421 1239 1617 4868 4499 BANK OF NEW MEXICO ALBUQUERQUE NM 197224 1974 0 0 3804 -3804 BANK OF 8ABYL0N NASSAU TRUST CO NORTH FORK BK £ TR CO AMALGAMATED BK OF NEW YORK ATLANTIC BANK OF NEW YORK BANK LEUMI TRUST CO OF N Y BANK OF COMMERCE BANK OF TOKYO TRUST CO FUJI bANK £ TRUST COMPANY INO BANK OF JAPAN TR CO BABYLON GLEN COVE NY NY NY NY NY NY NY NY NY NY NY NY 77917 154976 1572 3474 1308 1386 693 2267 3203 581 38 10 16 7 2413 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 969 3802 -969 -3802 -174 -27683 -5487 -28096 -8993 -44281 -988 -611 -2945 -2759 £ TRUST CO 2343280 summit £ Elizabeth tr 2343450 HUDSON UNITED BANK 2365418 ROYAL BANK £ TRUST CO 2367970 FIRST TRUST UNION BANK https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis BAL NV 2340435 2341064 2341068 2341695 2341985 3342000 2342530 3342668 2360500 2362850 2364310 2364820 2364838 2364858 2364863 2364893 2365168 2365235 RES NV 3340100 GUARANTEE BANK 2340205 BERGEN STATE BANK 10350025 VLTCSH VEGAS lOOOS) 1330720 NASHUA TRUST COMPANY 1330920 ROCHESTER SAVINGS BK DEP LAS VEGAS LAS 12320040 BANK OF NEVADA 12320045 NEVADA STATE BANK 1330650 MANCHESTER T LOCATION NAME DSB 8/15/78 EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE lOOOS) co MATTITUCK NEW YORK NEW YORK NEW YORK NEW YORK NEW YORK NEW YORK NEW YORK NEW YORK WELLSVILLE NJ NJ 488650 126072 61649 166943 109742 73340 354162 306968 655323 238860 1481432 198937 145169 181565 140906 0 0 174 27683 5487 28096 8993 44281 988 611 2945 2759 NONMEMBER BANKS DSB ($ EFFECT ON RESERVES HOUSE COMMltTEE ALTERNATIVE IOOOS) NAME LOCATION 5370065 BANK OF ASHEVILLE ASHEVILLE 5370485 CENTRAL CAROLINA BK £ TR CO DURHAM 5371330 AMERICAN BANK AND TRUST CO MONROE 5371480 NORTHWESTERN BANK NORTH WILKESBORO 5371584 FIRST-CITIZENS BK £ TR CO RALEIGH 5371720 PEOPLES BANK AND TRUST CO ROCKY MOUNT 5371800 SECURITY BK £ TR CO SALISBURY 5371805 CAROLINA BANK SANFORD 5372111 WACCAMAW BANK AND TRUST CO WHITEVILLE 5372150 BRANCH BANKING AND TRUST CO WILSON 4390036 4390050 4390080 4391650 4392060 4393270 4393630 4393690 4393915 4395745 4395780 4396010 10403362 10403375 CENTRAN BANK OF AKRON FIRESTONE BANK GOODYEAR BANK OHIO STATE BANK REEVES BANKING AND TRUSl METROPOLITAN BANK RICHLAND TRUST CO PEOPLES BANKING AND TRUJ AKRON AKRON AKRON COLUMBUS 0 DOVER LIMA MANSFIELD COMARIETTA • BARN1TZ BANK SPRINGFIELD BANK MINERS £ MECH SVGS £ TR HUNTINGTON BK OF TOLEDO 12410133 12410205 WESTERN BANK CITIZENS BANK OF OREGON 12410420 FIRST STATE BANK OF OREGON 12410527 OREGON BANK 12410600 COMMERCIAL BANK VLTCSH NC 77346 NC NC NC NC NC NC NC NC NC 365655 200220 1171996 1072178 264409 127681 123774 263481 455599 OH OH OH OH 180396 310500 3308 4132 206371 127843 OH OH OH OH 148080 113083 96960 93019 86122 106248 1728 2016 2439 3169 1871 1306 MIDDLETOWN SPRINGFIELD STEUBENVILLE OH OH OH TOLEDO OH 105015 105490 OK OK 110002 218813 BANK OF COMMERCE C TRUST CO TULSA F £ M BANK AND TRUST CO TULSA 12410020 CITIZENS VALLEY BANK T DEP 1727 11510 3175 32181 25107 9165 4444 2505 4410 12115 1654 1702 2293 1460 8/15/78 &ES BAL TOTRR 0 NEW Rr DIF 0 0 0 0 0 0 0 0 0 0 0 287 12150 0 0 0 0 0 0 0 0 3615 52931 51387 7689 2199 1486 6729 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4196 9626 0 0 0 0 0 0 0 279 1005 1001 0 1658 -554 -630 -279 -1005 -1001 -1658 89 3044 -3044 791 1312 18221 ■ 5638 2567 2235 1007 554 630 -287 -12150 -3615 -52931 -51387 -7689 -2199 -1486 -6729 -18221 -4196 -9626 -5638 -2567 -2235 -1007 -89 ALBANY OR 86710 1364 454 COOS BAY EUGENE MILWAUKIE PORTLAND SALEM -454 OR OR OR 223145 125414 280149 2434 2346 3347 6678 2571 -6678 470058 88472 7095 1263 9670 15533 478 -9670 -15533 -478 OR OR ' -1 KJ -2571 V NONMEMBER BANKS DSB ($ NAME LOCATION 3420133 MID-STATE BANK £ TRUST CO 3420331 LINCOLN BANK 3420630 UNION BANK £ TRUST CO 3420918 BRYN MAWR TRUST COMPANY 4420925 FIRST SENECA SANK £ TR CO 3421224 F £ M TR CO OF CHAMBERSBURG 3421233 VALLEY BANK £ TRUST CO 3421278 CHELTENHAM BANK 4422376 4422385 3422916 3423015 3423528 3423591 3423798 3423890 3424176 4424245 4424675 3425230 3425660 EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE IOOOS) ALTOONA BALA CYNWYD BETHLEHEM BRYN MAWR BUTLER CHAMBERSBURG CHAMBERSBURG CHELTENHAM SECURITY PEOPLES TRUST CO ERIE UNION BANK AND TRUST CO ERIE FARMERS BANK AND TRUST CO HANOVER DAUPHIN DEPOSIT BANK £ TR _ . C0HARR1SBURG .............................. INDUSTRIAL VALLEY BK £ TR COJENKINTOWN JOHNSTOWN BANK £ TRUST CO JOHNSTOWN FULTON BANK LANCASTER first valley bank lansford FARMERS FIRST BANK KEYSTONE BANK LITITZ LOWER BURRELL MARINE BANK COMMONWEALTH BANK £ TR CO CONTINENTAL BANK NORTHWEST PA BK AND TR CO BUCKS CTY BK £ TR CO MEADVILLE MUNCY NORRISTOWN OIL CITY PERKASIE 4425790 3426025 3426174 FRANKFORD TRUST COMPANY PHILADELPHIA 3427171 CITIZENS £ NORTHERN BANK RALSTON 3427191 AMERICAN BK AND TR CO OF PA READING 3427205 BANK OF PENNSYLVANIA READING 3427660 NORTHEASTERN BANK OF PA SCRANTON 3427665 penn security bank £ tr co scranton 3427704 WEST SIDE BANK SCRANTON 3426179 CENTRAL COUNTIES BANK STATE COLLEGE 3428260 SECURITY BANK £ TRUST CO STROUDSBURG 4428618 FAYETTE BANK AND TRUST CO UNIONTOWN 4426700 PENNSYLVANIA BANK £ TRUST COWARREN 3429010 UNI TEO PENN BANK WILKES-BARRE 3429095 3429268 3429275 NORTHERN CENTRAL BANK WILLIAMSPORT SOUTHERN PENNSYLVANIA BANK YORK YORK BANK AND TRUST COMPANY YORK 1440125 CITIZENS TRUST 1440210 OLD STONE BANK https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis COMPANY T DEP PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PROVIDENCE RI PROVIDENCE RI 287611 118061 184379 59881 323299 87198 117544 86849 193199 148607 97608 468513 1101092 156437 304488 522785 176437 124152 VLTCSH 5777 1358 3418 1147 482 4 808 1671 2727 5504 3974 1225 6951 7128 4030 283340 144166 1133198 255025 5436 5975 2009 2663 5731 2479 10658 3381 148834 133277 2707 1458 93848 1202860 1743 16867 349082 577924 121545 6191 8728 62349 263292 97476 101436 414277 470616 1745 1650 6495 1805 1181 6232 7756 225586 157796 4127 2729 323317 7809 137555 969490 5 546 7625 8/15/78 BAL TOTRR NEW RR 0 0 0 0 0 0 0 6327 1084 5377 236 13096 104 2302 0 0 0 0 0 829 5148 1355 149 17709 63080 3538 0 0 0 0 0 0 0 0 .0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 . 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 9350 22475 2757 1632 7134 2541 49440 9252 2602 3651 536 54749 11428 25069 2521 92 6373 1689 1396 DIF -6327 -1084 -5377 -236 -13096 -104 -2302 -829 -5148 -1355 -149 -17709 -63080 -3538 -9350 -22475 -2757 -1632 -7134 -2 541 -49440 -9252 -2602 -3 651 -536 -54749 -11428 -25069 -2521 -92 -6373 -1689 -1396 -15008 15008 19172 7179 2510 -19172 -7179 -2510 9279 -9279 4313 46815 -46815 -4313 -I 00 NONMEMBER DSB 5450301 5450304 5450605 BANKS EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE ($ lOOOS) LOCATION NAME BANKERS TRUST OF SC COLUMBIA FIRST-CITIZENS BK AND TR CO COLUMBIA SOUTHERN BANK AND TRUST CO GREENVILLE T DEP SC SC sc VLTCSH 8/15/78 RES BAL 568295 247144 13024 0 5335 334170 11528 0 0 6470400 PIONEER BANK CHATTANOOGA 6471465 FIRST TN BANK KNOXVILLE TN KNOXVILLE 6471496 UNITED AMERICAN BK IN KNXVLEKNOXVILLE 6471498 VALLEY FIDELITY BK C TR CO KNOXVILLE 6471800 BANK OF MARYVILLE MARYVILLE 8471850 COMMERCIAL C INDUSTRIAL BANKMEMPHlS TN TN TN TN TN TN 147316 86804 2571 431497 132092 114487 156243 8471865 MEMPHIS BANK AND TRUST .COMPAMEMPHIS 6472092 NASHVILLE CITY bK £ TR lCO NASHVILLE TN TN 198218 130208 TOTRR NEW RR 0 0 0 24671 -24671 6940 12271 -6940 —12271 0 0 3011 DIF 14108 1629 1847 2844 0 0 0 0 0 0 0 0 0 0 235 12523 1745 366 2180 -12523 -1745 -366 -2180 1779 902 0 0 0 0 3360 864 -3360 -864 1570 -3011 -235 ^4 11480254 11481725 11482050 11482081 11482083 11482084 11482090 11482117 11482826 11482873 11483778 11483784 11483602 11483808 11483850 11483903 11483906 11483908 11483920 11483922 ARLINGTON BANK £. TRUST CTZ ST BK OF CORPUS CHRISTI LAKEWOOD BANK C TRUST CO NORTH DALLAS BK £ TR CO OAK CLIFF BANK AND TRUST CO PARK CITIES BK ANO TR CO PRESTON STATE BANK TEXAS AM BANK DALLAS NORTH BANK OF FORT WORTH RIDGLEA BANK ALLIED BANK OF TEXAS DALLAS DALLAS DALLAS DALLAS FORT WORTH FORT WORTH HOUSTON AIRLINE COMMERCE BANK HOUSTON CULLEN CENTER BANK C TRUST HOUSTON FANNIN BANK HOUSTON HEIGHTS STATE BANK HOUSTON HOUSTON NORTH SIDE BANK HOUSTON REAGAN COMMERCE BANK RIVER OAKS BANK AND TRUST COHOUSTON SOUTH MAIN BANK HOUSTON SPRING BRANCH BANK HOUSTON 11463965 WESTERN BANK 11484080 IRVING BANK ANO TRUST CO 11484875 AMERICAN STATE BANK 11484985 MC ALLEN STATE NONMEMBER BANKS DSB ARLINGTON CORPUS CHRISTI DALLAS DALLAS ($ HOUSTON IRVING LUBBOCK MC ALLEN BANK lOOOS) 130679 99199 133299 87919 137136 70035 205061 141892 91879 93540 688401 TX TX TX TX TX TX TX HOUSE 11485808 AMERICAN BANK 11486070 FIRST PASADENA STATE BANK 11486258 ALLIED MERCHANTS BANK 11487023 SAN ANTONIO BANK C TRUST CO SECURITY BANK 1500145 FIRST VERMONT BK C TR CO 1500200 CHITTENDEN TRUST COMPANY 1500230 HOWARD BANK 1500240 MERCHANTS BANK 1500650 FRANKLIN-LAMOILLE 8ANK . 243840 92906 84281 197338 1133 1242 990 1188 2707 603 2013 1231 607 1030 6145 1017 960 971 1630 1107 771 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 . 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 112638 96815 117277 562 544 1135 125847 114363 181251 158758 828 566 1287 0 0 0 0 0 0 0 0 0 0 0 0 0 0 109699 257561 T DEP 1558 717 2397 30 5736 -1558 -717 -2397 -30 -5738 -2436 -237 -314 —22364 2436 237 314 22364 • 66 2995 6523 151 11 3298 654 291 1278 417 479 2156 1810 VLTCSH -66 -2995 -6523 -151 -11 -3298 -854 -291 -1278 -417 -479 -2156 -1810 8/15/78 RES BAL TOTRR NEW RR DIF TX 124752 655 0 0 410 -410 PASADENA PORT ARTHUR TX TX TX 15 9738 113584 97803 3853 902 357 0 0 0 0 0 0 2109 176 57 -2109 -176 -57 OGDEN UT 314918 2245 0 0 10143 -10143 BRATTLEBORO BURLINGTON BURLINGTON BURLINGTON VT VT 219056 291,109 2675 4107 6136 10249 -6136 -10249 240255 100032 4033 1345 1583 0 .0 0 0 0 VT VT VT 7033 1595 -7033 -1595 394 -394 0 0 0 0 0 6410 1949 5754 5387 2064 -6410 -1949 -5754 -5387' -2084 4820 4351 5822 0 0 0 0 0 .0 0 0 0 0 7205 1300 9004 -7205 -1300 -9004 2235 2195 3484 0 0 0 0 3474 4658 2679 -3474 SAN ANTONIO ST ALBANS 79796 5511260 5511368 5511635 5511910 VIRGINIA-POTOMAC FAIRFAX CTY CUMBERLAND BANK AND TRUST GRUNDY ARLINGTON TRUST CO INC HERNDON CLARENOON BANK C TRUST MCLEAN UNITED VA BK / CITZ C MARINENEWPORT NEWS VA VA VA VA VA 5511948 5511980 5512444 BANK OF VIRGINIA-EASTERN FIRST VA BANK OF TIDEWATER BANK OF VIRGINIA-SOUTHWEST NORFOLK NORFOLK ROANOKE VA VA VA 198832 124095 262670 234720 134299 240911 147284 289838 EVERETT SPOKANE VANCOUVER WA WA WA 189259 171742 133243 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis -1725 -417 ODESSA 5510993 BANK OF 12530310 OLYMPIC BANK 12531000 WASHINGTON TRUST BANK 12531125 FIRST INDEPENDENT BANK 1663 . 1725 417 EFFECT ON RESERVES COMMITTEE ALTERNATIVE LOCATION NAME 12490280 COMMERCIAL TX TX TX TX TX TX TX TX TX TX TX TX TX TX TX TX TX 4931 2142 3532 3026 3737 0 0 0 0 0 .0 . 0 0 . -4658 -2679 NONMEMBER BANKS DSB NAME 5540050 BANK OF LXATION RALEIGH 5540300 LOWNDES BANK 5540640 TWENTIETH STREET BANK 5540920 O 7550163 7551910 7551920 7552700 7553050 7553209 7553275 7553300 7553340 7555350 7555330 FARMERS ANO MERCHANTS BANK VALLEY BANK PPL MRN BK OF GREEN BAY WEST BANK ANO TRUST AFFILIATED BK OF MADISON FARMERS ANO MERCHANTS BANK HERITAGE BK OF MILWAUKEE MILWAUKEE WESTERN BANK PARK STATE BANK WISCONSIN MARINE BANK WAUWATOSA STATE BANK WEST ALLIS STATE BANK 7555450 HERITAGE BK https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis EFFECT ON RESERVES HOUSE COMMITTEE ALTERNATIVE’ (i lOOOS, OF WHTF1SH BAY BECKLEY CLARKSBURG HUNTINGTON MORGANTOWN APPLETON GREEN BAY GREEN BAY MADISON MENOMONEE FALLS MILWAUKEE MILWAUKEE MILWAUKEE MILWAUKEE WAUWATOSA WEST ALLIS WHITEFISH BAY T WV WV DEP VLTCSH 8/15/78 RES BAL TOTRR NEW RR 656 111 583 DIF 110425 114369 92583 81341 2088 1148 1162 1056 0 0 0 0 0 0 0 0 125418 130391 112589 128914 Wl Wl 91112 96667 83770 69820 86685 111691 1404 1084 1551 2107 772 767 778 739 1464 1866 0 0 0 0 0 0 0 0 0 0 Wl Wl 0 0 0 0 0 0 0 0 0 0 871 480 354 595 88 392 2292 85062 99514 -480 -354 -595 -88 -392 -2292 836 1036 0 0 0 114 866 -114 -866 WV WV Wl Wl Wl Wl Wl Wl Wl Wl 0 123 875 1327 667 -123 -656 -111 -583 -875 -1327 -667 -871 August 24, 1978 To: Board of Governors From: Ken Guenther Subject: Stanton Letter on Various Fed Membership Proposals and Report of the Minority Staff on the Reuss Bill The attached letter from Mr. Stanton enclosing the Minority Staff Report on H. R. 13847, the Federal Reserve Act Amendments of 1978, was circulated to all members of the Banking Committee yesterday. The letter and report were made available to the ABA leader ship, which is presently meeting in Washington on legislative and other matters, including the various Fed membership proposals. Jerry Lowrie used this letter in buttressing his arguments that the ABA should oppose any form of universal reserve requirements at this time. Attachment cc: Messrs. Ettin and Raiken https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis ►» HtNRYI RfUiS. WU..CHAIBMAN THOMAS U ASHLEY. OHIO WILLIAM S MOORHr*D. FA. ItriNAND J. ST CCNMAIN. R.l. HTNRY B GONZALEZ. TEX. JOSEPH G. MINISH. NJ. TRANK ANNUNZIO. ILL. JAMES M. HANLEY. N.Y. PARREN J. MITCHELL. MO. WALTER E. FAUNTROY. D.C. STEPHEN L NEAL. N.C. JCRRY M. PATTERSON. CALIF. JAMES J. BLANCHARO. MICH. CARROLL HUDOARD. JR.. KY. JOHN J. LAFALCE. N.Y. U.S. HOUSE OF REPRESENTATIVES COMMITTEE ON BANKING. FINANCE AND URBAN AFFAIRS Ninety-Fifth Congress 2,29 Rayburn House Office Building WASHINGTON, D.C. 20515 GLADYS NOON SPELLMAN. MO. les georgc Hansen. Idaho HENRY J. HYDE. ILL. RICHARD KELLY. FLA. CHARLES E. GRASSLEY. IOWA MILLICENT FENWICK. NJ. JIM LEACH. IOWA NEWTON I. STEERS. JR.. MD. THOMAS B. EVANS. JR.. DEL. BRUCE F. CAPUTO. N.Y. HAROLD C. HOLLENBECK. N.J 8. WILLIAM GREEN. N.Y. Aucoin, oreg. PAUL E. TSONGAS. MASS. BUTLER DERRICK. 8.C. MARK W. HANNAFORD. CAUF. DAVID W. EVANS. INO. CLIFFORD ALLEN. TENN. NORMAN E. D’AMOURS. N.H. STANLEY N, LUNDINE. N.Y. EDWARD W. PATTISON. N.Y. JOHN J. CAVANAUGH. NEBR. MARY ROSE OAKAR. OHIO JIM MATTOX. TEX. BRUCE F. VENTO. MINN. DOUG BARNARD. GA. WES WATKINS. OK LA. ROBERT GARCIA. N.Y. J. WILLIAM STANTON. OHIO GARRY BROWN. MICH. CHALMERS P. WYLIE. OHIO JOHN H. ROUSSELOT. CALIF. 6TCWART B McKINNCY. CONI Z25-4247 August 23, 1978 Honorable U. S. House of Representatives Washington, D. C. Dear A majority staff paper which represents an analysis of H.R. 13847 and the proposed Fed amendments thereto has been provided to all Members of the Committee. I am sure you will find lt to be a fair and objective product which will be quite helpful in discussions with your constituents. My purpose in writing you at this time is to encourage study of that paper, keeping in perspective the real issues now before the Committee. H.R. 13847, the bill to be considered in Committee mark-up on Sep tember 7, 1978, offers one possible solution to the Fed membership problem. The impact of that solution, however, is not very clear. Further, it does not give consideration to many alternative proposals and views presented dur ing our hearings. Fed payment of interest on reserves, the equitable and ac ceptable reduction of required reserves and other proposals should not be discarded; and the various views expressed by our expert witnesses must not be lost in a rush to resolve the Fed membership problem. I have long been impressed with a need to stabilize Fed membership and to enhance monetary policy determinations. I offered my bill, H.R. 12706, as a constructive proposal which would alert others to the problem. I have made clear on the record that I am not wedded to a particular solution, and that is still true at this writing. In particular, I have serious concerns that H.R. 13847 may go too far. The objective of stabilizing Fed membership is shifted to a mandate of reserves. A potential for dilution of the dual banking system surely is in volved. There is a further complication in that some hanks will carry a greater burden in required reserves in the future. All of this could create a Fed dominance that increasingly could lead Congress to challenge the independenr of the Fed. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Federal Reserve Membership August 23, 1978 Page Two Most unfortunately, however, the Initial reaction to H.R. 13847 Is apt to he judged by Individual banks on the basis of the bottom line ... "What does It do to me?" This could he misleading as a final analysis and could dim the need for a more cautious approach. I Intend to continue studying other proposals over the recess period, and I know that upon return our mark-up will benefit from the many views you will encounter in your district. With all best wishes, Sincerely, * William Stanton WS:cgn https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis mi m»» (i|>l U| l.| P r* I L'AM 4 • l I MNAND J 6T Gl w IL'I L JOHN H ROUSSI LOT. CALIF. STEWART B MCKINNEY. CONN. R I. i? 6ONi*i.ri. tcx. U.S. HOUSE OF REPRESENTATIVES JDSLPH G. MINISH. N J. I HANK ANNUNIIO. ILLAMIS M, HANLCY. N V. COMMITTEE ON BANKING. FINANCE AND URBAN AFFAIRS i Al'RI N J. MITCHTLL. MO. WALILH t fAUNlHOV, D.C. STEPHEN I— NEAL. N C. II HHY M PAniHSON, CALIF. JAMIS J. DIANCMARO. MICH. I ANIIOLL HUBBARD. JR.. KY. Ninety-Fifth Congress 2J29 Rayburn House Office Duilding WASHINGTON. D.C. I JIIN J. LaTALCE. N Y. l.l.AOYS NOON SPELLMAN, MD. I I S AuCOIN. GREG. 20515 GEORGE HANSEN. IDAHO HCNRY J. HTOE, ILL. RICHARD KELLY. FLA. CHARLES E GRASSLEY. IOWA MILLICENT FLNWICK. N.J. JIM LEACH, IOWA NEWTON I. STEERS. JR.. MO. THOMAS B. EVANS. JR.. DELBRUCE F. CAPUTO. N.Y. HAROLD C. HOLLENBECK. N.J. 223-4247 August 23, 1978 CAUL E. TSONGAS, MASS. HU1LER DERRICK. S C. MARK W. HANNAFORD. CALIF. DAVID W. EVANS. IND. I LIIFORO ALLEN. TCNN. NORMAN E. O'AMOURS. N H. STANLEY N LUNDINE. N Y. HI IIMAN BADILLO. N.Y. I DWARD W. PATTISON. N.Y. JOHN J. CAVANAUGH. NEBR. MARY ROSE OAKAR OHIO JIM MATTOX. TEX. IIHUCE F. VENTO. MINN. DOUG BARNARD. OA. WES WATKINS. OKLA. MEMORANDUM TO: All Members of the Committee on Banking, Finance and Urban Affairs FROM: J. William Stanton SUBJECT: Minority Staff Report on H.R. 13847, the Federal Reserve Act Amendments of 1978 Enclosed is a Minority Staff Report on H.R. 13847, the Federal Reserve Act amendments of 1978, and related issues. These observations are provided in keeping with the Minority's desire to fully cooperate with the Majority in the search for an answer to the problem of Federal Reserve membership. These views are not meant to detract from the excellent analysis provided by the Majority staff. Rather, they are offered as a complement to that analysis in that the Minority staff has attempted to discuss issues that are not covered in the Majority staff analysis. Finally, the views and observations expressed in this discussion do not reflect my own position, nor those of any other Minority Member. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis INTRODUCTION As mentioned in the letter of transmittal, the Majority staff analysis of the Federal Reserve Act Amendments of 1978 and the Federal Reserve Board’s pro posed amendments is an unquestionably fair document. We have, however, several observations that are not raised in that analysis. It is our hope that these views will not be taken as a negative comment on these or any other proposals. We sincerely believe that the Committee should en act some solution to the membership problem. Moreover, there are numerous features of the Federal Reserve Act Amendments of 1978 and the Federal Reserve Board amend ments that have merit. For example, the amendments on monetary data, access to the discount window ancj reserves on eurodollars all deserve further consideration. With respect to the Federal Reserve Act Amendments and the Federal Reserve Board's proposed amendments, we have observations on the mandate for membership, the uniform reserve structure, the size of the exemption, the index, and the costs of the proposals. Additionally, we have included some views on other proposals that were mentioned during the Committee hearings but are not discussed in the Majority's analysis. These proposals include a reduction in the existing reserve requirement ratios and the payment of interest on reserves. OBSERVAT IONS ON H.R. 13847 AND PROPOSED FED AMENDMENTS Most of our concern with both H.R. 13847 and the proposed amendments thereto lies with the mandatory membership feature of these proposals. We are bothered by this feature largely because it regulates an answer to membership. Ideally, we ’ would prefer the use of a carrot, rather than a stick as the solution to the problem 'A of membership attrition. J https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis The mandate for membership could also have significant implications for the dual banking system. Since the proposal exempts banks with less than $100 million in deposits from any reserve requirements, many state banks might be induced to leave the state systems in favor of the Federal Reserve System. Similarly, if this legis lation were enacted, many states may be forced to change their reserve requirement structure in order to retain their state banks. If, however, large shifts from state to nationally chartered banks did occur, the entire banking regulatory structure could be significantly altered. The Office of the Comptroller would greatly increase its jurisdiction, while the FDIC would be weakened by its loss of state banks to supervise. In addition, in the long run, the Federal Reserve might actually be weakened as a result of this legislation. That is, a mandate of reserves for large banks, coupled with a reserve exemption for small banks could lead to such a dominance by the Fed of the banking system, that Congress might be inclined to challenge the independence of the Fed. UNIFORM RESERVES We find great merit to the proposed uniform structure for reserve requirements. It would appear that this structure would improve monetary control. However, before the Committee endorses such a change, it should be clearly understood that this rep resents a major shift from existing reserve requirements. As such, this shift carries implications for the competitive balance between commercial banks as well as between different types of depository institutions. Until we have a better knowledge of these potential shifts, it might be wise to exercise caution. RESERVES ON NON-DEPOSIT LIABILITIES We have reservations about the proposal to include net federal funds and certain borrowings within reservable liabilities.. We believe that the objective of preventing https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis shifts between deposits and borrowings to escape reserve requirements can be attained by narrower language. SIZE OF EXEMPTION We have some reservations about the proposed $100 million exemption. According to our best analyses, the $100 million would give the Fed control of only 45% of all deposits. The Fed is strongly of the opinion that a higher percentage of deposits under their jurisdiction would be desirable. emption. This could be achieved by a lower ex Also, we are wary that offering a subsidy to small banks in the form of an exemption might lead to further inefficiencies in that sector of the banking system which is at present the least efficient. INDEXING OF EXEMPTION In these times, it is only appropriate that Congress and this Committee in particular should consider indexing as a means of coping with inflation. However, we are concerned about both the nature of the proposed index as well as the Fed's opposition to any index. We fear that the proposed index may really be a "super-index" which may not adequately relate to the growth in bank deposits. Over-indexing would cause the exemption to gradually overtake more and more banks. On the other hand, regardless of the size of the exemption, inflationary trends will assure that the lack of an index will eventually cut the exemption in half. Possible alternatives may be to provide that the exemption be periodically reviewed by the Congress, or to allocate blanket authority to the Fed to alter the size of the exemption as they deem appropriate to insure control of a certain size deposit base. COST We view the question of cost as somewhat extraneous to the membership issue and https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis would hope that it not cloud consideration of any proposal. Nonetheless, if cost is to be a factor, we question the assumption that the cost of H.R. 13847 will be held to $150 million because the Fed will impose a pricing structure for its services If H.R. 13847 were enacted, there may, in fact, be very little incentive for the Fed to proceed with pricing. OTHER PROPOSALS Since we philosophically favor an incentive solution over a mandated solution to the membership problem, we would hope that the Committee would not lose sight of proposals such as a reduction in the existing reserve requirement ratios and the pay ment of interest on reserves. Both of these approaches directly address the problem of relieving the membership burden without significantly altering the structure of the existing reserve requirements or the competitive balance among depository insti tutions. Finally, we assume that if either of these proposals were adopted, the Committee would also direct the Federal Reserve Board to establish a competitive pricing scheme for its services. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis r Dear Chairman Reuss: The report of the House Banking Committee majority staff on H.R. 13847 provides a useful analysis of the key provisions of this important bill. tial areas of agreement. The report reflects substan The Board now desires to give you its more detailed comments with regard to the remaining areas of difference. Federal Reserve Amendments B, C, and E These proposed amendments to H.R. 13847 encompass important areas of disagreement--determining the size of the exemption from reserve requirements, indexing of that exemption, defining reservable liabilities, and establishing initial reserve ratios and ranges. Exempted liabilities and indexing. As you know, the Board believes that a deposit exemption totaling $50 million is near the minimum consistent with effective monetary control, and that proposed indexing of the exemption could further erode the share of deposits subject to reserve requirements. The $100 million exemption con tained in H.R. 13847 would reduce the initial share of deposits sub ject to reserve requirements below that existing at present, and could make the task of monetary control more difficult, contrary to the purpose of the proposed legislation. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Chairman Reuss Page 2 The Board's proposed exemption level would impose reserve requirements on a larger number of nonmember banks. The Board is sensitive to the added costs reserve requirements would place on such banks, and for this reason we have proposed a four-year phase-in of reserve requirements, an amendment which Committee majority staff supports In the Board's view,the necessity of conducting an effective monetary policy outweighs the costs to be placed on additional nonmember banks. Furthermorei it is worth emphasizing that of the about 850 additional nonmember banks that our lower exemption would make subject to reserve requirements, close to half would be able to meet their required reserves with their existing holdings of vault cash. Preliminary research by the Board staff—which will be fully shared with the Committee staff upon completion—has identified economic and operational difficulties with the concept of indexing. Abrupt year-to-year changes in individual bank coverage and large revisions in estimates of statistics used to establish the index are among these problems. Prior to the September 7 markup, our staffs will be able to explore further this issue, as well as the interrelationship between indexing and the exemption level. Among ocher matters, staff could consider a procedure for adjusting the exemption level from time to time to keep the share of deposits at banks subject to reserve requirements at a predetermined level. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Chairman Reuss Page 3 Reservable liabilities. The Board, as previously stated, continues to believe that the wording of H.R. 13847 with regard to Federal funds borrowings and repurchase agreements on U.S. Government securities is too broad. Inclusion of interbank borrowings would reduce the efficiency with which reserves can be distributed around the banking system. Even limiting reserve requirements to such borrowings from nonbank lenders might produce undesirable side effects. Furthermore, imposing reserve requirements on Federal funds and repurchase agree ments on U.S. Government securities might not significantly reduce the volume of such borrowings, but merely re-channel it as banks develop ways to avoid reserve requirements on these kinds of liabilities. If such re-channeling does not occur, reserves against repurchase agreements would place banks at a competitive disadvantage in money markets since they could not profitably afford to pay a rate to nonbank investors on short-term borrowings equalling that paid by nonbank securities dealers, finance companies, and others. In addition, banks could very well reduce their "demand for Treasury securities if, as a result of reserve requirements, it became less profitable to use them to secure repurchase agreements. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Chairman Reuss Page 4 These factors suggest that the issue is complex and requires further study. Therefore, the Board once again urges that reserves not be required on Federal funds and repurchase agreements. However, if such requirements were legislated, they should be limited to such borrowings from nonbank sources with a maturity of less than one week. The applicable reserve ratio should be the same as for short-term time deposits, which would permit the Board, if events required, to lower the ratio to a lower level than would be permitted if the demand deposit reserve range applied. Initial reserve ratios and ranges. The Committee majority staff comments suggest reserve ratios and ranges somewhat different from those proposed in the Board's suggested amendments. The table below compares the Board's suggested reserve ratios with those contained in the Committee majority staff comments: Reservable Liabilities 1. 2. 3. * Board Proposals Initial Range Committee Staff Comments Initial Range Demand deposits, NCJW's and savings accounts 8 7 to 9 7 6 to 8 Time deposits with maturities of 179 days or less* 1 1 to 6 7 3 to 8 Time deposits with maturities of 180 days or more 1 1 to 3 1 1 to 3 The Committee majority staff did not comment on the Federal Reserve's proposal with regard to Federal funds. If nonbank Federal funds and repurchase agreements with maturities of one week or less were reservable, it is assumed that they would be reservable as time deposits with maturities of 179 days or less. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Chairman Reuss Page 5 As indicated in the table, the Committee majority staff suggests an initial reserve ratio on short-term time deposits of 7 per cent, with a range of 3 to 8 per cent. This initial ratio is sharply higher than the level of 1 per cent suggested in the Board's proposed amendment to H.R. 13847. Since time deposits are not used for transactions purposes, the Board sees no reason to impose reserve requirements at the same initial level as demand deposits. We would prefer an initial ratio of 1 per cent and a range of 1 to 6 per cent. This range would also have the advantage, if reserve requirements are imposed on nonbank Federal funds and RP's, of permitting the Board to apply a lower reserve ratio on such borrowings if events required. If it were concluded that the initial reserve ratio on short-term time deposits should exceed 1 per cent, the Board would suggest an initial ratio of 4 per cent, with a range of 1 to 6 per cent. In that event, the Board believes it would be necessary to reduce the initial reserve ratio and range for demand, NOW, and savings deposits to that suggested by the Committee majority staff. This reduction would ameliorate the combined effects of the increased reserve ratio on short-term time deposits and the significant increase in the reserve ratio from present levels banks will face on their savings deposits under all of these proposals. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Chairman Reuss Page 6 Nonbank Transactions Balances Committee majority staff opposes the proposed amendment to apply the same reserve ratio and exemption to thrift transactions accounts as would be applied to commercial banks. Both equity and monetary policy considerations argue for such an inclusion. As noted, in the Board's letter of August 14, it is far more practical to do so now, when no more than five institutions would be affected ,than in the future when individual nonbank institutions will have a more substantial transition cost from the imposition of reserve require ments . It should be emphasized that transactions balances at thrifts are growing rapidly and that improving the Federal Reserve's ability to conduct monetary policy--a major purpose of H.R. 13847--will be increasingly undermined if they are not brought within the ambit of reserve requirements. Moreover, no thrift would be affected until it had gained a foothold in the market since it would receive the same exemption for its transactions accounts as a bank; only when a thrift had established itself in the market, acquiring deposits that exceed the exemption level, would reserve requirements apply to further growth in transactions balances. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis At the same time, commercial banks of Chairman Reuss Page 7 comparable size would be incurring higher total reserves costs, because their savings and time deposits would be—and those of thrifts would not be--subject to reserve requirements. I In addi tion, thrift institutions subject to such reserve requirements would, of course, be eligible for access to the discount window, payments mechanism, and other Federal Reserve services. Thrift institutions possessing sufficient transaction balances to be subject to reserve requirements would find it advantageous to have direct access to Federal Reserve facilities, and providing such services to these institutions would be in the public interest. Affiliated Banks The Board continues to be concerned that exemption of some level of deposits could induce banks to form affiliates rather than branches in order to obtain multiple exemptions and thereby avoid reserve requirements. The Committee majority staff does not share these concerns for several reasons. First, the majority staff argues that loan limitations related to capital pro vide an incentive for establishment of branches rather than affiliates However, loan limitations based on capital are not constraining since affiliated banks can and do easily participate loans among themselves. Second, the majority staff points out that the differential in reserve ratios between large and small banks is greater under current law than https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Chairman Reuss Page 8 under H.R. 13847, and that the incentive to form affiliates to avoid reserve requirements will be diminished under the bill. The Board is quite concerned that this method of avoiding reserve requirements is possible at present. Consequently, we believe it is important to eliminate this incentive for present member banks, and avoid creating a new incentive for nonmember banks becoming subject to reserve requirements. The Committee majority staff also argues that the Board now has the power to aprove establishment or acquisition of new holding company affiliates, and that this authority could be used to prevent avoidance of reserve requirements. However, it is not clear that the Board can reject applications solely on the basis that it believes the affiliate is being formed to avoid reserves, nor could it easily prove such a conclusion even if such a standard for rejecting an application were established. Thus, the Board urges adoption of its proposed Amendment J, which treats affiliated groups formed in the future as one institution for reserve purposes, but grandfathers existing affiliated groups. I hope that these comments contribute to further progress in resolving these important issues and that our dialogue will con tinue to be productive and useful. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis S incerely, G. William Miller CHAIRMAN MILLER ‘fir* ion For Consideration at a Board Session https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis BDARD DF GOVERNORS OF THE FEDERAL RESERVE SYSTEM Office Correspondence To_ From. j)ate Board of.Governors Edward C. Ettin IV Subject:. j/V August 24, 1978____ _ Proposed letter to Chairman Reuss The staff of the House Committee on Banking, Finance and Urban Affairs has published comments-on the amendments to H.R. proposed by the Board. 13847 Their analysis is presented on pages 6-17 of the majority staff's report (Attachment 1). Attachment 2 is a table that summarizes Board amendments and Committee staff comments. Although Chairman Reuss has not requested Board views on the report, the staff has prepared a draft letter which the Board may wish to consider (Attachment 3). Language in brackets would hint at possible areas of compromise on the level of deposits exempted from reserve requirements. At the Board meeting on Friday, staff will be able to present the statistics associated with various possible compromises, as well as preliminary indications of the effect of several indexing schemes. 4 Attachments (3) https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Attachment 1 THE FEDERAL RESERVE ACT AMENDMENTS OF 1978 Purposes of H.R. 13847 The purposes of H.R. 13847 are 1) to improve the conduct of monetary policy, 2) to promote competitive equity, and 3) to re solve the Federal Reserve System’s membership problems, and to do so with minimal cost to taxpayers. H.R. 13847 was introduced on August 11, 1978 by Mr. Reuss for himself and twenty-one other members of the Banking Committee following hearings on several proposals to deal with the problem raised by Federal Reserve membership erosion. Hearings were held on July 27, July 31, August 4 and August 11 and testimony was taken from sixteen witnesses, including Chairman G. William Miller of the Federal Reserve Board, Chairman George A. LeMaistre of the Federal Deposit Insurance Corporation, representatives of industry groups and bank and academic economists. There was a consensus that to control the money supply the Federal Reserve should be able to obtain whatever information it needs from all depository institutions. The hearings also produced a consensus that a system of more uniform reserve requirements would help solve the Federal Reserve’s membership problem as well as greatly improve the ability of the Federal Reserve to control the money supply. The testimony further showed that any system of nearly uniform reserve requirements must be designed to maintain the viability and competitive equity of https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis smaller banks. H.R. 13847 was developed based on these two prin ciples. A section by section summary of H.R. 13847 follows. Section 2. Section 2 would help improve the conduct of mone tary policy by authorizing the Federal Reserve to collect through appropriate regulatory and supervisory agencies current liability and asset data needed for monetary control purposes from all de pository institutions. Section 3. Section 3 would further help in this regard by minimizing differences in reserve requirements among banks and among types of deposits. 1. Section 3 defines reserveable liabilities against which reserves would have to be held as bank deposits (demand, savings, and time) plus net Federal funds and other borrowings which mature in 48 hours or less. 2. It exempts the first $100 million of such liabilities from =>11 requirements and indexes the exemption to GNP. 3. It imposes a single, flat uniform reserve requirement of 6 percent on all reserveable liabilities above $100 million, and allows the Federal Reserve to vary the rate between 5b and 6*5 per- cent for purposes of monetary control. 4. The Federal Reserve is given power to vary reserve require ments outside the 5b to 6b percent limits established for purposes of monetary control in extraordinary circumstances, good for 30 days and renewable. The reason for such action would have to be explained to Congress. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 3 5. The Federal Reserve also is given power to fix separate reserve requirements for Eurodollars for purposes of monetary con trol . 6. Reserve requirements are applied to all commercial banks with more than $100 million in reserveable liabilities. 7. Non-member banks required to hold reserves would have ac cess to the discount window and to all Federal Reserve services. 8. Other non-member banks would have access to the discount window for purposes of safety and soundness upon certification of need by the FDIC or an appropriate state bank supervisory authority Section 4. Section 4 reaffirms the authority of any officer or agency of any State over any commercial bank organized or exist ing under the laws of such State. Section 5. Section 5 provides that section 2 is to take ef fect on the first day of the sixth calendar month which begins af ter the date of enactment, and section 3, on July 1, 1979, or such earlier date as may be designated by the Board of Governors of the Federal Reserve System. Effects of Section 3 1. Based on 1977 year-end data supplied by the Federal Re serve, all but some 1,018 of the nation's nearly 14,000 banks will be exempt from any federally imposed reserve requirements includ ing nearly 5,000 current Federal Reserve members. Of the 1,018 banks which will be subject to reserve requirements 719 are al ready member banks and hold reserves. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis The remaining 299 non-member 4 banks, those with over $100 million of reserveable liabilities, would become subject to reserve requirements. (A number of these 299 non-member banks are foreign banks which, under the Internat ional Banking Act of 1978 now nearing legislative completion, would be required to hold reserves anyway.) 2. Total reserves of member banks would be reduced from $37 billion currently to $29 billion, or by more than 20 percent. Nineteen out of 20 of the 719 member banks which would continue to be subject to reserve requirements would have their reserve require ments substantially reduced. Only member banks which now have ex tremely high proportions of total deposits in savings and time de posits could be adversely affected. There are 39 such banks. Information on the reserve requirements, which H.R. 13847 will impose on each of the 1,018 banks that will be subject to such requirements, is presented in Appendix I. 3. The Federal Reserve’s membership problem would be essen- tially resolved by the revisions in reserve requirements contem plated by H.R. 13847. First, smaller banks could now be members of the Federal Reserve without having to hold reserves. Second, since all banks with liabilities over $100 million would have to hold reserves, whether members of the Federal Reserve or not, a ma- , !■ . , V jor .incentive for laij-- 1tt•, 1-ith'’-'-w from the Federal Reserve ................... would be eliminated. 4. A uniform 6 percent reserve requirement on reserveable liabilities in excess of $100 million would improve monetary con trol. It would minimize the problem that now exists because of https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis £> the shifting of deposits among demand, savings and time deposits and among banks with differing marginal reserve requirements. 5. The Federal Reserve would have unrestricted power to temp orarily vary the reserve requirement up or down in extraordinary circumstances. At other times, it would retain discretionary au thority to adjust the requirement between 5% and 6% percent for purposes of monetary control. These limits are designed to restrict the Federal Reserve’s power to set what in reality are taxes on banks. 6. To provide further flexibility, the Federal Reserve would be allowed to fix separate reserve requirements on (a) net balances owed by domestic offices of banks in the United States to their directly related foreign offices and to nonrelated foreign banks, and (b) loans to United States residents made by overseas offices of banks with offices in the United States. 7. All banks of comparable size would be treated alike in terms of Federal Reserve requirements, thus enhancing competitive equity. 8. For large banks, reserve requirements will be reduced on demand deposits and raised on savings and time deposits. Thus, they will compete more aggressively for demand deposits and less aggressively for savings and time deposits. As a result, small banks and thrift institutions will be able to compete more effec tively for savings and time deposits, especially for long maturity CDs. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 0 9. The discount window would be open to all non-member com This will give assurance of liquidity for all banks. mercial banks. 10. The cost to the Treasury would be far less than any pre vious proposals. year. The pre-tax cost will be under $150 million per Supporting statistics are presented in Appendix IV. Amendments to II.R. 13847 Proposed by the Federal Reserve AMENDMENT A. "Sec. 2. Section 10 of the Federal Reserve Act is amended by adding at the end thereof the following new paragraph: "The Board may require any depository institution specified in this paragrpah to make, at such intervals as the Board may pre scribe, such reports of its liabilities and assets as the Board may determine to be necessary or.desirable to enable the Board to discharge its responsibility to monitor and control monetary AND CREDIT aggregates. Such reports shall be made (1) directly to the Board in the case of member banks AND IN THE CASE OF OTHER DEPOSI TORY INSTITUTIONS FOR ALL LIABILITIES SUBJECT TO RESERVE REQUIRE MENTS, and (2) FOR TILL OTHER REPORTS to the Board through the (A) Federal Deposit Insurance Corporation in the case of insured State non-member banks, SAVINGS BANKS, AND MUTUAL SAVINGS BANKS, (B) Nat ional Credit Union Administration in the case of insured credit unions, (C) Federal Home Loan Bank Board in the cast* of any insti tution insured by the Federal Savings and Loan Insurance Corpora tion or which is a member as defined in section 2 of the Federal https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 7 Home Loan Bank Act, and (D) such State officer or agency as the Board may designate in the case of any type of bank, savings and loan association, or credit union. The Board shall endeavor to the maximum extent feasible to avoid unnecessary burdens on report ing institutions and the duplication of other reporting require- • ments, and any data therefrom shall be made readily available to the Board. The Board may classify depository institutions for the purposes of this paragraph, and may impose different requirements on each such class." Federal Reserve's Explanation: Provides for direct reporting to the Federal Reserve concerning reserve liabilities and covers sav ings banks and mutual savings banks. Comments of Committee Staff: This is a perfecting amendment to Section 2. .AMENDMENTS B, C AND E Amendment B: "(b)(1) For the purposes of this subsection— The Term ’reservable liabilities’ means, in the case of any State or national bank, the amount by which the sum of such bank’s de mand and savings deposits liabilities exceeds $25 million." Federal Reserve’s Explanation: Redefines "reservable liabilities" to include only demand and savings deposits; establishes a $25 mil lion exemption from reserve requirements for demand and savings deposits and eliminates indexing for such exemption. Amendment C: "(4) All banks subject to reserve requirements shall maintain reserves against their reservable liabilities in https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 8 the ratio of 8 per centum, or in such other ratio not greater than 9 per centum and not less than 7 per centum as the Board may by regulation prescribe solely for the purpose of implementing mone tary policy.” Federal Reserve’s Explanation: Establishes 8 percent reserve ra tio with 2 percent discretionary range for demand and savings de posits. Amendment E: ’’(b)(5) Subject to the exemptions in paragraph (C) of this subsection, banks other than savings banks and mutual savings banks shall maintain reserves against their "(A) time deposits with initial maturities of 179 days or less (and against borrowings from sources other than commercial banks with maturities of one week or less and with such longer ma turities as the Board may prescribe) in a ratio not less than one per centum nor more than 6 per centum, as shall be specified by the Board of Governors and their ”(B) time deposits with initial maturities of 180 days or more in a ratio of not less than one per centum nor more than 3 per centum, as shall be specified by the Board of Governors. ”(C) Reserve requirements imposed by this subsection shall apply only to that portion of the sum of the liabilities specified in paragraphs (A) and (B) , regardless of maturity, which exceeds $25 million." Federal Reserve's Explanation: Establishes reserve requirements for bank time deposits in excess of $25 million with different ra tios for deposits with initial maturities of 179 days or less, and https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 9 for deposits with longer maturities; establishes reserve requirements at the short-term time deposit ratio for borrowings from nonbank sources. Comments of Committee Staff: These several amendments would change H.R. 13847 in four fundamental ways. First, reserveable liabilities would be split into two groups —one consisting of demand and savings deposits and the other of time deposits plus (possibly) borrowings due to be repaid in one week or less. Second, only the first $25 million of deposits in each group would be exempt from reserve requirements. The maximum total exemption would be $50 million versus $100 million under H.R. 13847. Third, initially, demand and savings deposits would be reserved.at 8 percent and time deposits and borrowings at 1 percent. The Federal Reserve would be permitted to vary reserve requirements between 7 and 9 percent on demand and savings deposits, between 1 and 6 percent for time deposits which mature within 179 days (possibly plus borrowings) and between 1 and 3 percent for time deposits which have maturities of 180 days or longer. Fourth, the exemptions would not be indexed. The proposal to differentiate between time and demand and savings deposits has merit. In particular, H.R. 1384/ would be improved by distinguishing longer term maturity time deposits from other deposits. However, it is not necessary to raise reserve require ments on demand and savings deposits to 8 percent. Short-term time deposits (i.e., those maturing within 179 days plus at least overnight borrowings) are close substitutes for demand deposits. Short-term time deposits could be combined with demand and savings deposits and reserved initially at 7 percent with a range of 6 to 8 percent on demand and savings deposits and on short time deposits https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 10 and borrowings between 3 and 8 percent. Longer term time deposits (i.e., those maturing in 180 days or more) would be reserved initially at 1 percent, with the Federal Reserve authorized to vary the reserve requirement in^this case between 1 and 3 percent, just as it proposed in Amendment E. The suggested structure of reserve requirements would not change the Treasury's cost from the cost estimated under H.R. 13847. The Board's suggestion that the exemption proposed in H.R. 13847 be halved would place 1,156 non-member banks under reserve requirements versus 299 under H.R. 13847, and require that reserves be held by 1,766 member banks versus 719 under H.R. 13847. Appendix II presents information on the reserve requirements which individual banks would face under the Board's amendments. Appendix III presents this information under the staff's suggested structure. In regard to the Federal Reserve's opposition to indexing the exemptions, it should be understood that indexing is necessary to prevent H.R. 13847 from becoming a vehicle for imposing universal reserve requirements with the passage of time. The purpose of the exemptions is to free smaller banks from holding reserves at Federal Reserve Banks and thereby to increase their ability to compete. Economic growth will make all banks bigger, but many banks will remain relatively small. Indexing is required to assure that relatively small banks remain exempt from reserve requirements as they grow with the passage of time and as a result of inflation. Indexing for real growth is as important as indexing for inflation. However, if with the passage of time it is shown that indexing leads to a declining proportion of deposits being subject to re- https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 11 serve requirements, the Congress should, of course, reconsider the size of the exemption, but any change should be made only as a re sult of deliberate Congressional action. AMENDMENT D. •'(8) Upon a finding by the Board that extraordinary circum stances require such action, the Board may impose reserve require ments outside the limits otherwise prescribed by this Section for a period not exceeding 30 days but which may be extended for further periods not exceeding 30 days by affirmative action by the Board in each instance. The Board shall promptly transmit to the Congress a report of any exercise of its authority under this subsection and the reasons for such exercise.” Federal Reserve's Explanation: Authorizes the Board to impose re serve requirements outside limits otherwise prescribed for all classes of liabilities subject to reserve requirements. Comments of Committee Staff: This is a perfecting amendment to Sec tion 3(4)(B) of H.R. 13847. AMENDMENT F. ”... except that thQ Board as a condition of access to or maintenance of such privileges may require a certification of sol vency of such bank from the Federal Deposit Insurance Corporation.” 1 ederal Reserve's Exp] ctnat ion: Entitles any bank, whether or not it maintains reserves with the Federal Reserve, to access to Federal Reserve discount and borrowing privileges on the same basis as mem ber banks; eliminates a need for FDIC or State supervisory agency https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis certification as condition to such access and in lieu thereof au thorizes the Board to require a certification of solvency from the FDIC of any such bank as a condition to such access. Comments of Committee Staff: This is a perfecting amendment to Sec tion 3 (7) of H.R. 13847. AMENDMENT G. "(b) ( )• "(A) The term reservable liabilities means, in the case of any depository institution as specified in Section 10 of this Act, other than a bank subject to reserve requirements under subsection (b) (2) , the amount by which such institution’s transactions deposit balan ces, as defined by the Board in consultation with the appropriate Federal depository institution supervisory agencies, exceeds $25 million. *' (B) Such depository institutions shall maintain reserves against their reservable liabilities in the ratio specified in sub section (b) (4) ." Federal Reserve's Explanation: Establishes reserve requirements for transaction accounts in excess of $25 million maintained at non bank depository institutions in the same ratio applicable to demand and savings deposits at banks. Comments of Committee Staff: Thrift institutions lack many of the powers which commercial banks have. services. They do not offer full banking Until such time as these institutions arc given full banking powers, there seems to be no reason to treat them like banks Although thrifts are gradually moving into checking services, there https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 13 is no substantial reason for imposing a heavy burden on the few in stitutions (5) which would be covered by this amendment. The ex tension of reserve requirements to these five institutions could severely retard the development of third party payments with which thrift institutions are only beginning to experiment. AMENDMENT H. "( ) With respect to any depository institution that is not a member of the Federal Reserve System on August 30, 1978, the re quired reserves imposed pursuant to this section on the effective date of this Act shall be reduced by 75 per centum during the first year that begins after the effective date, 50 per centum during the second year, and 25 per centum during the third year." Federal Reserve's Explanation: Establishes a four year phase-in for reserve requirements imposed on non—member institutions Comments of Committee Staff; This amendment would slow the phasing in of rescr/e requirements for banks which have to meet reserve re quirements for the first time and thereby ease the cost of the transition. It is a perfecting amendment to Section 5(b) of H.R. 13847. AMENDMENTS I AND J. Amendment I: "( ) The total deposit liabilities exempted from reserve requirements pursuant to subsections (1), ( ) (5), and (if nonbank transaction accounts are covered) for each such exemption shall not exceed $25 million in the aggregate for affili ated banks, 32*431 0 - 78 -2 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis (and $25 million in the aggregate for affiliated non- 14 bank depository institutions.) Federal Reserve’s Explanation: Provides that total deposits exempted from reserve requirements for all institutions in an affiliated group shall not exceed $25 million for each category of deposits. Amendment J: ”( ) In the case of affiliated banks (and affili ated nonbank depository institutions), the total deposit liabilities exempted from reserve requirements pursuant to subsections (1), and ( ) (5), (if nonbank transaction accounts are covered) shall not ex ceed in the aggregate for such affiliated groups the product result ing from multiplying the number of institutions in such affiliated group on August 1, 1978 by $25 million for each such exemption, pro vided that no more than $25 million shall be exempted under each such exemption at any individual bank (or nonbank depository insti tution) . ” Federal Reserve's Explanation: Provides that total deposits exempted from reserve requirements shall not exceed $25 million for each exemption in individual institutions, and for affiliated groups shall not exceed the number of institutions in such groups on Aug ust 1, 1978 times $25 million for each exemption. Comments of Committee Staff: There is no urgent reason for treating all affiliated banks as if they were one bank for reserve require ments purposes. The Federal Reserve’s proposal to do so (Amendment I) would appear to anticipate branches being converted into subsidi aries and new offices being established as subsidiaries in order to reduce a group's average reserve requirements. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis However, existing 15 statutory and regulatory loan limitations, which relate the size of individual loans to hank capital, provide incentive to establish branches rather than subsidiaries. Banks that wish to make big loans must be big -- or else arrange loan participations which could be administratively cumbersome, both internally and to the borrower. Moreover, there may be even more incentive to establish subsidiaries rather than branches under present law than there would be under H.R. 13847. For example, marginal reguirements are 9% percent higher under present law for large banks than for smaller banks; whereas under H.R. 13847 the difference would be 6 to 9 per cent, depending on which particular structure of reserve require ments discussed in connection with Amendments B, C and E is adopted. However, regardless of which one is, the incentive would be less under H.R. 13847 than under present law. Finally, the Federal Re serve Board now passes on the establishment or acquisition of new holding company affiliates. Presumably, the Board would not allow whimsical conversions of branches into subsidiaries or de novo es tablishment of subsidiaries instead of branches in the same geo graphical area, and it could be costly to develop a new area es pecially only to evade reserve requirements. AMENDMENT K. ”( ) Section 19 (c) of the Federal Reserve Act, as amended (12 U.S.C.* § 461) is amended to read as follows: "Reserves held by any depository institution to meet the requirements imposed pur suant to subsection (b) of this section shall be in the form of— https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 1C "(1) balances maintained for such purposes by such depository institution in the Federal Reserve bank of which it is a member or at which it maintains an account. However, the Board may, by regu lation or order, permit depository institutions to maintain all or a portion of their required reserves against their transaction ac counts in the form of vault cash: Provided, That such proportion shall be identical for all depository institutions; and "(2) balances maintained by a non-member depository institu tion in a member bank, in a Federal Home Loan Bank, or in a central liquidity facility that may be established for credit unions: Pro vided, That such member bank, Federal Home Loan Bank, or central liquidity facility maintains such funds in the form of balances in a Federal Reserve bank of which it- is a member or at which .it main tains an account. Balances received by a member bank from another depository institution that are used to satisfy the reserve require ment imposed on such depository institution by this section shall not be subject to the reserve requirements of this section imposed on such member bank and shall not be subject to assessment imposed on such member bank pursuant to section 7 of the Federal Deposit Insurance Act, as amended (12 U.S.C. § 1817)." Federal Reserve's Explanation: Specifies that reserves may be held in the form of balances at Federal Reserve Banks, or of vault cash, and that a non-member institution may hold reserves at a member bank, at a Federal Home Loan Bank (in the case of savings and loan associations), or at a central liquidity facility (in the case of credit unions), provided that these institutions pass the reserves https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 17 through to a Reserve Bank on a one-for-one basis. Comments of Committee Staff: This amendment is needed to establish procedures to allow non—member banks to use vault cash to satisfy reserve requirements in part or fully. Striking out references to thrifts, this is in the nature of a perfecting amendment. SUMMARY Both H.R. 13847 and the Federal Reserve’s proposed amendments to it are built on the principles of uniform reserve requirements on demand and savings deposits for banks of the same size, access by the Federal Reserve to summary monetary and credit statistics from all depository institutions, and resolution of the Federal Re serve's membership problem through the vehicle of reduced reserve requirements with coverage of some member banks. There is a con sensus that these principles will enhance monetary control, pro vide competitive equity, and resolve the Federal Reserve's member ship problem with minimal cost to taxpayers. The cost to taxpayers will be under $150 million per vear under each plan (assuming the Fed proceeds with its plan to unbundle and charge for services). However, there are two major differences between H.R. and the Federal Reserve’s proposed amendments. 13847 One concerns the amount of reserveable liabilities to exempt from reserve require ments in order to enhance the competitive equity of smaller banks. The second concerns whether to index the exemption. 11. R. 13847 would provide for an exemption of $100 million and would index this exemption to the GNP. The Federal Reserve would exempt a maximum of $50 million and that exemption would not be indexed. der H.R. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Thus, un 13847, far fewer banks would be subject to reserve require- 18 ments. Under H.R. 13847, 719 member banks and 299 non-member banks would be required to hold reserves, as compared to 1,766 member banks and 1,156 non-member banks under the Federal Reserve's proposed amendments. (Actually, vault cash holdings would satisfy reserve requirements for all but 50.6 member banks and 202 non member banks under H.R. 13847, and for all but 1,155 member banks and 675 non-member banks under the Federal Reserve's proposed amendments.) Finally, under H.R. 13847, indexing would almost certainly assure that banks now exempt from reserve requirements would remain exempt, whereas the Federal Reserve's amendments would almost certainly guarantee that the exemption would be eroded by inflation and economic growth with the passage of time. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Attachment 2 Universal Reserve Requirement Legislative Proposal PLAN H.R. 13847 Feature 67. of reservable liabilities defined as: 1. Reserve requirements Demand Deposits + NOWs + Savings Accounts + Time Deposits + Net Federal Funds + Other liabilities for borrowed money + borrowings from foreign branches and foreign banks 5.5 to 6.5 per cent but may adopt reserve requirements out side of range in extraordinary circumstances with report to Congress 2. . Reserve requirement ranges House Staff Alternative House Staff Comments on Board Amendment 87. of Demand deposits + NOWs + savings deposits 7Z of Demand deposits + NOWs .+ Savings Accounts 1Z of Time deposits 7Z of Time deposits < 179 days + Net Federal funds + other short-term borrowing. Differentiation between time and demand and savings deposits has "merit". Propose compro mise as shown in column 3. Board Amendments 17. of borrowings from foreign branches and foreign banks Alternative: 17. of Federal funds and RP's from nonbanks with maturities of one week or less 1Z of time deposits > 180 days. 7 to 9 per cent on demand depos its + NOWs + Savings Accounts 6 to 8 per cent on demand depos its + NOWs + Savings Accounts 1 to 6 per cent on time deposits < 179 days and (possibly)* non- • bank Fed funds and repo’s. 3 to 8 per cent on time deposits < 179 days + all short-term • borrowing 1 to 3 per cent on time deposits > 180 days 1 to 3 per cent on time deposits > 180 days 0 to 22 per cent on borrowings from foreign banks and branches Same "extraordinary circumstances" provision Propose compromise as shown in column 3. Same wider range under extra ordinary circumstances as in H. R. 13847 First $100 million of reserv able liabilities 3. Reserve requirement exemption Indexed to nominal GNP https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis .$25 million of demand and $25 million of time deposits Not indexed $50 million of demand deposits, etc. (as defined above) + $50 million of time deposits Indexed to nominal GNP Need indexing in order "...to assure that relatively small banks remain exempt from re serve requirements as they grow with the passage of time and as a result of inflation." Lower exemption level includes too many banks• A ■ ? •■chment ?. continued Universal Reserve Requirement Legislative Proposals (cont.) PUN H.R. 13847 Feature Board Amendments House Staff Alternative Group treated as one bank 4. Affiliated groups Omitted Only banka 5. Alternative: "Grandfather" existing groups. All banks, and thrift trans actions accounts. Omitted Only banks Coverage 6. Pass-through 7. Discount window Omitted Available to all members, to non-members holding reserves, and to all others on certifi cation by FDIC or state super visor. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Non-member may pass reserves through members, Federal Home Loan Banks, and central liquidity facility for credit unions, as applicable. Available to all bagks, al though Board may require certification of solvency from FDIC. Same as Board Amendment Same as Board Amendment House Staff Comments on Board Amendment No urgent need. Banks will not sub-divide in order to reduce reserve requirements because of loan limit rules tied to cap ital. Less incentive to sub divide than under existing graduated reserve requirements. Board can control through holding company powers in any event. Thrifts cannot compete with commercial banks because they do not offer full service. Reserve requirements at thrifts "...would severely retard the development of third party payments". • • "...a perfecting amendment." However, they erroneously believe the issue is tied to vault cash usage. "...a perfecting amendment." Attachment 2 continued Universal Reserve Requirement Legislative Proposals (cont.) PLAN Feature H.R. 13847 Board Amendments House Staff Alternative House Staff Comments on Board Amendment Access to services Available to all members, and to non-members subject to Same as H.R. 13847 Same as H.R. 13347 Board proposed no amendment 9. Monetary data report ing Board specifies reports needed; non-members report through other regulatory agencies Same as H.R. 13847 except that non-members report directly on reservable deposits Same as Board Amendment "...a perfecting amendment." 10. Reserve requirement phase-in Four years for nonmcmber banks Four years for nonmcmber banks "...a perfecting amendment." 8. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Omitted Attachment 3 HA n Dear Chairman Reuss: The report of the House Banking Committee staff on H.R. 13847 A provides a though t^wl-^and useful analysis of the key provisions of this important bill. The report reflects substantial areas of agreement. 1t mayt_ however,—be—use f u 1- if the Board sT^r„ ith you some thoughts with regard to the remaining differences. Federal Reserve Amendments B, C, and E These proposed amendments to H.R. 13847 encompass important areas of disagreement--determining the size of the exemption from reserve requirements, indexing of that exemption, defining reservable liabilities, and establishing initial reserve ratios and ranges. Exempted liabilities and indexing. As you know, the Board believes that a deposit exemption totaling $50 million is near the minimum consistent with effective monetary control, and that indexing ten could further erode the share of deposits subject to reserve requirements. The $100 million exemption contained in H.R. 13847 would reduce the initial share of deposits subject to reserve require ments below that existing at present, and could make the task of monetary control more difficult, contrary to the purpose of the proposed legis lation. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Chairman Reuss Page 2 The Board's proposed exemption level would impose reserve requirements on a larger number of nonmember banks. The Board is sensitive to the added costs reserve requirements would place on such banks, and for that reason we have proposed a four-year phase-in of reserve requirements, an amendment which Committee staff supports. In the Board's view the necessity of conducting an effective monetary policy outweighs the costs to be placed on additional nonmember banks. Furthermore, it is worth emphasizing that of the about 850 additional nonmember banks that our lower exemption would make subject to reserve requirements, abcw*t half would be able to meet their required reserves > with their existing vault cash holdings. With regard to indexing, preliminary research by our staff-which will be fully shared with your staff upon completion--has identi fied economic and operational difficulties with the concept. Abrupt year-to-year changes in individual bank coverage and large revisions in estimates of statistics used to establish the index are among these problems. Our two staffs will be able to explore this issue further prior to the September 7 markup. [Staff discussions might also usefully explore the develop ment of an exemption level--higher than the Board's proposal and lower than contained in H.R. 13847--that maintains the share of deposits sub ject to reserve requirements„at a level no lower than at present. Such an exemption level, however, wouTefhave to be designed to assure that the share of deposits at banks subjectliQ reserve requirements is not subject to future attrition.] https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Chairman Reuss Page 3 Reservable liabilities. The Board, as previously stated, continues to believe that the wording of H.R. 13847 with regard to Federal funds borrowings and repurchase agreements on U.S. Government securities ("...net Federal funds and other borrowings...") is too broad. Inclusion of interbank borrowings would make^t more difficult for reserves to be distributed around the banking system. Moreover, reserve requireflfients on borrowings through Federal funds and repurchase agreements on U.S. Government securities from nonbank sources might produce undesirable side effects. Furthermore, imposing reserve requirements might not even significantly reduce the volume of such borrowings, but merely re-channel it in ways that eliminate reserve requirements. For\example, many banks may simply choose to do such borrowing--from b^e same sources--through their off-shore branches using the funds to finance credit outside the United States. Such efforts by banks to avoid reserve requirements serve no productive purpose. Indeed, inducing s\ch transactions to move outside the domestic banking system would toqd to obscure important credit flows and complicate the conduct of monetaXv policy. Banks with U.S. Government securities departments could iSJ.so avoid reserve require ments on repurchase agreements generated by these departments by spinning off such operations into nonbank subsidiaries. These sub sidiaries could continue to finance their inventories through nonreservable repurchase agreements on the same basis as nonbank securi ties dealers. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Chairman Reuss Page 4 In addition, reserving repurchase agreements is undesirable because it would place banks generally at a competitive disadvantage in money markets since they could not afford to pay the same rate to nonbank investors on short-term borrowings as nonbank securities dealers, finance companies, and others. Moreover, banks could very well reduce their demand for Treasury securities if, as a result of reserve requirements, it became less profitable to use them to secure repurchase agreements. hese factors suggest that the issue is complex and requires further study. Therefore, the Board once again urges that reserves not be required on Federal funds and repurchase agreements. However, if such requirements were legislated, they should be limited to such borrowings from nonbank sources with a maturity of less than one week and should be regarded as time deposits, which would permit the Board, if events required, to lower the reserve ratio to a lower level than demand deposits. Initial reserve ratios and ranges. The Committee staff comments suggest reserve, ratios and ranges somewhat different from those proposed in the Board's suggested amendments. The table below compares the Board's suggested reserve ratios with those contained in the Committee staff comments: https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Chairman Reuss Page 5 Reservable Liabilities 1. Demand deposits, NOW's and savings accounts Board Proposals Range Initial Committee Staff Comments Range Initial 7 to 9 Time deposits with maturities of 179 days or less* 3. 3 to 8 Time deposits with maturities of 180 days or more 1 to 3 The Committee staff did not comment on the Federal Reserve s pro posal with regard to Federal funds. If nonbank Federal funds and repurchase agreements with maturities of one week or less were reservable, it is assumed that they would be reservable as time deposits with maturities of 179 days or less. As indicated in the table, the Committee staff suggests an initial reserve ratio on short-term time deposits of 7 per cent, with a range of 3 to 8 per cent. This initial ratio is sharply higher than the level of 1 per cent suggested in the Board's amendment to H.R. 13847, although the Board's current reserve ratio on such deposits is 6 per cent. Since time deposits are not used for transactions purposes, the Board sees no reason to impose reserve requirements at the same initial level as demand deposits. Therefore, the Board suggests that the ini tial reserve ratio on short-term deposits be no higher than the 6 per cent now applicable to such deposits at member banks. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis We would prefer Chairman Reuss Page 6 an initial ratio of 1 per cent and a range of 1 to 6 per cent. This range would also have the advantage, if reserve requirements are imposed on nonbank Federal funds and RP’s, of permitting the Board to apply a lower reserve ratio on such borrowings if events required. Nonbank Transactions Balances Committee staff oppose the proposed amendment to apply the same reserve ratio and exemption to thrift transactions accounts as would be applied to commercial banks. argue for such an inclusion. Both equity and monetary policy As noted in the Board s letter of August 14, it is far more practical to do so now, when no more than five ins ti tut ions -pejrhaf&r^lSegs—] would be affected, than in the future when individual nonbank institutions will have a more substan tial transition cost from the imposition of reserve requirements. It should be emphasized that transactions balances at thrifts are growing rapidly and that improving the Federal Reserve s ability to conduct monetary policy--a major purpose of H.R. 13847--will be increasingly undermined if they are not brought within the ambit of reserve requirements. Moreover, no thrift would be affected until it had gained a foothold in the market since it would receive the same exemption for its transactions accounts as a bank; only when a thrift has established itself in the market, acquiring deposits that exceed the exemption level, would reserve requirements apply to further growth in transactions balances. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis At the same time, commercial banks of Chairman Reuss Page 7 comparable size would be incurring even higher total reserve costs, because their savings and time deposits would be--and those of thrifts would not be--subject to reserve requirements. Affiliated Banks The Board continues to be concerned that exemption of some level of deposits could induce formation of groups of affiliated banks in order to obtain multiple exemptions and thereby avoid reserve require ments. reasons. The Committee staff does not share these concerns for several First, Committee staff argues that loan limitations related to capital provide an incentive for establishment of branches rather than affiliates. However, loan limitations based on capital are not constraining, since affiliated banks can and do easily participate loans among themselves. the Second, the Committee staff points out that reserve ratio is larger under current law than under H.R. 13847, and that the incentive to form affiliates to avoid reserve requirements will be diminised under the bill. Although this is true for present member banks, an incentive for present nonmember banks will be created that does not now exist. Firiall^, the Committee staff argues that the Board now has the power to pass on the establishment or acquisition of new holding company affiliates, and that this authority could be used to prevent avoidance of reserve requirements. However, the Board does not have the power to reject applications solely on the basis that it believes the affiliate is being formed to https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Chairman Reuss Page 8 avoid reserves, nor could it easily prove such a conclusion even if Congress allowed such a standard for rejecting an application. Thus, the Board again urges the adoption of the grandfathering provision of its proposed Amendment J--if not the treatment of affiliated banks as one bank for reserve purposes, as proposed in Amendment I. I hope that these comments contribute to further progres in resolving these important issues and that our dialogue will con tinue to be productive and useful. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Sincerely, G. William Miller 8/25/78 TABLE 1: COVERAGE OF DEPOSITS AND BANKS UNDER VARIOUS UNIVERSAL RESERVE REQUIREMENT PLANS Current Total H.R. 13847 (100)-Z Member Nonmember Total PLAN Committee 2/ Alternative (50/50) Member Nonmember Total Board: Amendments of 8/14 (25/25) Member Nonmember Total 1' Percentage of Deposits Demand and NOW's — 74 87 38 77 85 40 87 89 56 80 Demand and Savings 72 80 35 68 82 39 82 88 56 79 Total (Demand + Savings + Time) 72 79 33 67 82 38 70 88 55 79 Banks Exempted 8729 4945 8430 13375 4746 8303 13049 3898 7573 11471 Banks Covered 5668 719 299 1018 918 426 1344 1766 1156 2922 81 5158 8527 13685 5095 8494 13589 4509 8054 12563 5587 506 202 708 569 235 804 1155 675 1830 14397 5664 8729 14393 5664 8729 14393 5664 8729 14393 Number of Banks Subject to Reserves Required Reserves Reserves at FR Banks Banks Exempted Banks Covered Total Banks Number of Thrifts Subject to Reserves 0 . 0 0 5 67. reserves required on demand deposits, savings deposits, time deposits, net Federal funds, other liabilities for borrowed money, and Eurodollar borrowing. $100 million exclusion. 2/ 77. reserve required on demand deposits, net Federal funds, other liabilities for borrowed money, Eurodollar borrowings and short~ maturity time deposits. 17. reserve required on longer maturity time deposits. $50/$50 million exclusion. 3/ ■ 87. reserve required on demand deposits, NOW accounts, and savings deposits. 17. reserve required on time deposits. $25/$25 million exclusion. 4/ Percentage estimated. V https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 8/25/78 1/ TABLE 2: Current Total Member 25/25 Nonmember Total COVERAGE OF DEPOSITS AND BANKS UNDER VARIOUS EXEMPTION PLANS" Member 35/35 Nonmember Total PUN / 25/50 Member Normcsnbcr ■ / Total Member U 50/25 Nonmember Total Member 50/50 Nonmember Total Percentage of deposits Demand^ Demand, savings and NOW' s Total (Demand + Savings + Time)!/ 74 90 55 82 88 46 77 90 55 82 88 72 88 ’56 79 84 47 74 88 56 79 79 89 55 \8V 85 46 & 83 54 ( d • 45 71 88 45 71 38 68 79 38 68 81 38 4764 8309 13073 900 420 1320 5082 8485 13567 582 244 826 5664 8729 14393 85 45 A Number of Banks Subject to Reserves * Required Reserves Banks Exempted 8729 3889 7569 11458 4368 8009 12377 3977 7641 11618 4401 8055 3anks Covered 5668 1775 1160 2935 1296 720 2016 1687 1088 2775 1263 674 81 4503 8051 12554 4829 8317 13146 * 4524 8069 12593 5052 8461 5587 1161 678 •1839 835 412 1247 1140 660 1800 612 268 14397 5664 8729 14393 5664 8729 14393 5664 8729 14393 5664 8729 12456 Reserves at FR Banks Banks Exempted Banks Covered Total Banks Number of Thrifts Subject to Reserves ZJ ?&TZVDX.a%fi estimated. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 0 5 • 1 5 __________ 0 13513 ’ 880* 14393 TABLE 3: ON BANKS: '8/25/78 EARNINGS EFFECT OF ALTERNATIVE UNIVERSAL RESERVE REQUIREMENT PROPOSALS (As % of 1977 Pretax Earnings) H.R. 13847-Z (100) Size of Bank Members Nonmembers 2/ House Committee Alt.— (50/50) Members Nonmembers Board: Amendments of 8/14 3/ (25/25) Members Nonmembers 0-10 20% 0% 20% 0% 20% 0% 10-50 16 0 16 0 16 0 50-100 18 0 18 0 15 -3 100-500 14 -8 15 -7 . 9 -14 500-1000 7 -27 8 -25 8 -24 1000+ •2 -28 5 -24 >. 13 -22 Total 8% 10% -3% Memo: Dollar amounts (millions) -4% 576 -107 (665) -96 12% -5% (866) -151 ON FEDERAL RESERVE: ($ amounts millions) f#’ Members Non-members Total $576 469 J $665 ,-9 "’A 569Q • \7 $886 -151 735 7. o o Aj Six per cent reserves requirecTan demand deposits, savings deposits, time deposits, net Fed. Funds, other : liabilities for borrowed money, and Eurodollar borrowing. $100 million exclusion. U Seven per cent reserve required on demand deposits, net Fed. Funds, other liabilities for borrowed money, Eurodollar borrowings and short maturity time deposits. One per cent reserve required on longer maturity time deposits. $50/$50 million exclusion 3/ Eight per cent reserve required on demand deposits, NOW accounts, and savings deposits. One per cent reserve required on time deposits. $25/$25 million exclusion. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 8/25/78 TABLE 4: EARNINGS EFFECTS OF ALTERNATIVE EXEMPTION LEVELS—
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