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MONETARY POLICY IMPROVEMENT ACT OF 1979 HEARINGS· BEFORE THE COMMITTEE ON BANKING, HOUSING, AND URBAN AFFAIRS UNITED STATES SEN ATE NINETY-SIXTH CONGRESS FIRST SESSION ON s. 85 TO AMEND THE FEDE!RAL RESERVE ACT TO PROVIDE FOR UAINTENANCE OF RESERVES IN ORDER TO FACILITATE THE IMPLEMENTATION OF MONETARY POLICY, TO PROMOTE COMPETITIVE EQUALITY AMONG DEPOSITORY INSTITUTIONS, TO REQUIRE THE IMPOSITION OF SERVICE CHARGES FOR SERVIiOES ·BY ·FEDERAL 'RIDSERVE BANKS, AND FOR OTHER PURPOSES s. 353 TO FAOILITATE THE DEVELOPMENT AND IM'PLEMENTATION OF MONETARY POLICY; TO REDUCE AND RESTRUCTURE RESERVE REQUIREMENTS; AND '110 PROVIDE FOR THE MAINTENANCE OF RESERVES BY MEMBER BANKS AND OTHER DEPOSITORY IN1STITUTIONS IN EARNINGS PARTICIPATION ACCOUNTS AT THE FEDERAL RESERVE BANKS FEBRUA~Y 26, MARCH 26, 27, 28, AND ·MAY 14, 1979 Printed for the use of the Committee on Banking, Housing, https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis and Urban Affairs MONETARY POLICY IMPROVEMENT ACT OF 1979 HEARINGS BEFORE THE COMMITTEE ON BANKING, HOUSING, AND URBAN AFFAIRS UNITED STATES SENATE NINETY-SIXTH CONGRESS FIRST SESSION ON s. 85 TO AMEND THE FEDERAL RESERVE ACT TO PROVIDE FOR MAINTENANCE OF RESERVES IN ORDER TO FACILITATE THE IMPLEMENTATION OF MONETARY POLICY, TO PROMOTE COMPETITIVE EQUALITY AMONG DEPOSITORY INSTITUTIONS, TO REQUIRE THE IMPOSITION OF SERVICE CHARGES FOR SERVICES BY FEDERAL RESERVE BANKS, AND FOR OTHER PURPOSES s. 353 TO FACILITATE THE DEVELOPMENT AND IMPLEMENTATION OF MONETARY POLICY; TO REDUCE AND RESTRUCTURE RESERVE REQUIREMENTS; AND TO PROVIDE FOR THE MAIN'l'ENAXCE OF RESERVES BY MEMBER BANKS AND OTHER DEPOSITORY INSTITUTIONS IN EARNINGS PARTICIPATION ACCOUNTS AT THE FEDERAL RESERVE BANKS FEBRUARY 26, MARCH 26, 27, 28, AND MAY 14, 1979 Printed for the use of the Committee on Banking, Housing, and Urban Affairs U.S. GOVERNMENT PRINTING OFFICE 44-240 0 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis WASHINGTON : 1979 COMMI'ITEE ON BANKING, HOUSING, AND URBAN AFFAIRS WILLIAM PROXMIRE, Wisconsin, Chairman JAKE GARN, Utah JOHN TOWER, Texas JOHN HEINZ, Pennsylvania WILLIAM L. ARMSTRONG, Colorado NANCY LANDON KASSEBAUM, Kansas RICHARD G. LUGAR, Indiana HARRISON A. WILLIAMS, JR., New Jersey ALAN CRANSTON, California ADLAI E. STEVENSON, Illinois ROBERT MORGAN, North Carolina DONALD W. RIEGLE, JR., Michigan PAULS. SARBANES, Maryland DONALD W. STEWART, Alabama PAULE. TSONGAS, Massachusetts https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Staff Director Minority Staff Director STEVEN, M. ROBERTS, Chief Economist ANTHONY T. CLUFF, Assistant Minority Staff Director JOHN T. CoLLINS, Special Counsel to the Minority KENNETH A. McLEAN, M. DANNY WALL, (II) CONTENTS Page s. 85.................................................................................................................................... s. 353 ·································································································································· 83 97 LIST OF WITNESSES 26, 1979 G. William Miller, Chairman, Board of Governors, Federal Reserve System ..... 6 MONDAY, FEBRUARY MONDAY, MARCH 26, 1979 Baltasar Corrada, Resident Commissioner from Puerto Rico to the United States, accompanied by Rick Rubin, legislative aide .. ..... .............................. ..... .. Raymond Campbell, president, Oberlin Savings Bank, Oberlin, Ohio, and President, Independent Bankers Association of America; E. D. "Jack" Dunn, commissioner, Banking and Finance, State of Georgia, and president, Conference of State Bank Supervisors, accompanied by Dr. Lawrence E. Kreider, executive vice president-Economist of the Conference, and Thomas F. Bolger, McHenry State Bank, McHenry, Illinois, and First Vice President, IBAA............................................................................................................................... Roy Hollihan, manager, Redstone Federal Credit Union, Huntsville, Alabama, and President, National Association of Federal Credit Unions ......................... Albert B. Hooke, president, the Community Savings Bank, Rochester, N.Y., and chairman, Committee on Liaison with Federal Agencies for the National Association of Mutual Savings Banks, accompanied by Dr. George Hane, senior vice president and chief economist, National Association of Mutual Savings Banks............................................................................................................... Robert B. O'Brien, Jr., president, Carteret Savings & Loan, Newark, N.J., and vice chairman, Legislative Steering Committee for the National Savings & Loan League ................................................................................................................. David Wright, chairman, Credit Union National Association, Inc ....................... TUESDAY, MARCH 27, 1979 Robert Carswell, Deputy Secretary, Department of the Treasury ........................ Robert H. McKinney, Chairman, Federal Home Loan Bank Board ..................... b-lan _Mille_r~ Dep_uty Chairman, Feci_eral Deposit Insurance Corporation ..... ....... Lawrence Connell, Administrator, National Credit Union Administration........ WEDNESDAY, MARCH 28, 1979 Daniel K. Inouye, U.S. Senator from the State of Hawaii....................................... Dennis Ching, chief executive officer, American Security Bank, Honolulu, Hawaii, and president of the Hawaii Bankers Association, accompanied by Hugh Pingree, vice president, First Hawaiian Bank; and Thomas Hitch, vice president and economist, First Hawaiian Bank, Honolulu, Hawaii ............ ...... Henry B. Schechter, director, Department of Urban Affairs, AFL-CIO............... Jon Brown, staff attorney, Public Interest Research Group ................................... John Perkins, president, Continental Illinois National Bank and Trust Co., Chicago, Ill., and president, American Bankers Association, accompanied by A. Gilbert Heebner, executive vice president and economist, Philadelphia National Bank, and chairman, Economic Advisory Committee for ABA; and Robert W. Renner, president, Citizens State Bank of Hartford City, Ind., and chairman, community bankers division for the ABA .......................................... https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis IIII) 338 361 462 468 484 496 519 533 537 540 558 560 591 596 604 IV MONDAY, MAY 14, 1979 Phillip Cagan, Department of Economics, Columbia University............................ Stuart I. Greenbaum, Director, Bank Research Center, Graduate School of Management, Northwestern University.................................................................. Almarin Phillips, Department of Economics, University of Pennsylvania.......... Dennis R. Starleaf, Department of Economics, Iowa State University ................ Page 704 708 760 769 ADDITIONAL MATERIAL SUBMITTED FOR THE RECORD American Banker Association: ABA economic advisory committee from A. Gilbert Heebner......................... ABT Associates Inc., interim summary report to the ABA leadership conference .... .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ... .... .. .. .. .. ..... .. .. .. .. .. .. .. .. .. ... .. ..... ... .. .. .. .. .. .. .. ....... .. . Conference on reserve requirements and the role of the Federal Reserve =._............._..................... System .... ,........... '. .. - Federal reserve membership issue and monetary policy report .. Memorandum, ABT simulation of ABA proposal on Fed-membership ........ Memorandum, The Fed's error about nonmember banks on monetary policy....................................................................................................................... Minutes of the Economic Advisory Committee meeting, Jan. 18-19, 1979 .. Statement on S. 85 and S. 353 ............................................................................... Bankers Magazine, article entitled "Where Does American Banking go From Here?" oy Henry C. and Mable I. WallicFi............................................................. Comptroller of the Currency, letter to Senator Proxmire from John G. Heimann Conference of State Bank Supervisors, positions paper entitled "Optional Affiliation with the Federal Reserve System for Reserve Purposes is Consistant with Effective Monetary, Policies," by Professor Ross M. Robertson, University of Pennsylvania, and Professor Almarin Phillips, University of Indiana .......................................................................................................................... Federal Reserve System: "The Need for Reserves," article submitted for the record ............................. "The Effect of Interbank Deposit Flows on Monetary Control," memo submitted for the record ...... ........................ ................... ............ ................ ..... ... Proposals to facilitate the implementation of monetary policy and to promote competitive equality among depository institutions...................... Benefit to banks covered by modified S. 85 ........................................................ "Changes in Major Sources of Tax, Savings for Banking Organizations: 1969-1977," a study by the staff of Research and Statistics of the Board of Governors of the Federal Reserve System ...................................................... Independent Bankers Association of America: Telegram to Senator Garn ..................................................................................... Mailgrams to Conference of State Bank Supervisors........................................ Statement .................................................................................................................. = .............................................. ~:.~=-:-.:.... - Jour~~1~1 r~~~;~~~:··~rti~i~ ... ~~titi~···r.N~~~~~i~·~···s~~·~....~~d···M~~~~;~ Control," by Dennis R. Starleaf ................................................................................ -- - Letters to Senator Proxmire from: American Bankers Association, Charles 0. Zuver, counsel ............................ Bank of Delaware, statement from Jeremiah P. Shea, president .................. Federal Deposit Insurance Corp., from Alan R. Miller, deputy to the chairman .. .. ... .. .. ......... .. ... .... .. .. ... .... .. .. ..... .. .. ..... .. .. ... .. .. ... .. .. .. .. ... .. .. .. .. .. ......... .. ... .. .. Federal Home Loan Bank Board, from Robert H. McKinney, chairman ..... Governor of Hawaii, George R. Ariyoshi ............................................................ House of Representatives, State of Hawaii, with House Resolution No. 204, George M. Takane, clerk..................................................................................... Investment Company Institute from David Silver, president......................... Memorandum, Legislative standards for membership in the Federal Reserve System from Albert Gailord Hart, professor emeritus of economics, Columbia University....................................................................... New York Clearing House from Walter H. Page, chairman........................... Puerto Rico: Total gross domestic investment .......................................................................... Personal income and bank loans........................................................................... Under proposed legislation..................................................................................... Relationship of aggregate construction expenditures to aggregate personal income.................................................................................................................... Memorandum ........................................................................................................... https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 802 654 814 803 665 675 810 618 411 337 381 21 22 102 129 51 447 441 452 460 420 801 1103 553 543 575 577 1082 1099 1101 355 356 356 357 358 V Reserve requirements, Federal Reserve membership, and monetary control, by Page Clark Warburton ......................................................................................................... 1086 U.S. League of Savings Associations, comments on S. 85 ........................................ 1070 TABLES, CHARTS, AND ILLUSTRATIONS SUBMITTED FOR THE RECORD Aggregate burden as percent of estimated 1977 domestic pretax earnings ......... All insured commercial banks....................................................................................... Application data 1978 ..................................................................................................... Assets, financial institutions ... ..... .. ............ ................. .. .. .. ....... ..... ... .. ........ .. ..... .. ..... .. .. . Bank deposit coverage .................................................................................................... Banks grouped by impact of the 1978 Proxmire bill, S. 3485 ................................. Construction...................................................................................................................... Coverage of deposits on all institutions ...................................................................... Estimated impact of proposed bill S. 85 to increase Federal Reserve requirements of Hawaii banks .................................................................................. Estimated revenue effects of S. 85................................................................................ Federal Reserve System: Standard deviation of random deposit flows between member and nonmember banks ........ ..... .. .. ...................... .. .. ....... .. ..... ........ ..... .. ....... ............. .. . Sources of tax savings and Federal tax rates of banking organizations: Base income includes municipal bond interest income............................. Base income exclude municipal bond interest income ............................. Size of classes: 1974 ......................................................................................... 20 large banking organizations ... .. ........................ ....... ....... ............ ....... ....... Effective Federal tax rates on bank worldwide income net of shifted municipal bond tax savings ............................................................................... The sources of tax savings and Federal tax rates of banking organizations (chart 1) .................................................................................................................. The effect of the alternative treatment of municipal bond income on the sources of tax savings and Federal tax rates of the banking organization (chart 2) .................................................................................................................. Relative interest rates and commercial bank holdings of municipal bonds (chart 3) .................................................................................................................. Long-term interest rates (chart 4)......................................................................... Percent of outstanding State and local securities held by commercial banks (chart 5) .................................................................................................................. Construction of effective tax rates and sources of tax savings ....................... Percentage errors in monthly M1 growth rates associated with standard errors of the random interbank deposit flows................................................ Effect of member bank attrition on short-run predictability of monetary aggregates.............................................................................................................. Precentage of U.S. Commercial banks and deposits in the Federal Reserve System.................................................................................................................... Estimated burden of Federal Reserve membership........................................... NOW accounts as percentage of -household deposit balances in New England .... ....... ........... ....... ......... .. ........ ......... .. ..... .. ..... .. ....... .......... ........ ..... ......... .. Percentage of New England commercial banks and deposits in the Federal Reserve System ..... .. ..... ......... ....... .. .. ........ ....... .. .. ... .. ............ ........ ... ....... ....... .. ..... Rapid growth of ATS accounts nationwide and NOW accounts in New York State....................................................................................................................... Effects of proposals on commercial banks........................................................... First Hawaii bank, float analysis ................ ....... ......... ..... .. ..... ..... ... ... .. ..... ..... .. ......... .. . Hawaii's balance of indebtedness................................................................................. Membership burden as a percent of 1977 pretax earnings for sixth district member banks ... .............. ..... ....... ........... ...................... .. ..... ..... ..... .......... .............. ....... Monetary multiplier ratios ............................................................................................ Net impact of the 1978 Proxmire bill on profits of banks, by State ...................... Personal income and bank loans .......... .. ...... ....... .. ..... .. ..... .......... ....... ..... ..... ..... ....... .. .. Proposed bank reserves as percent of Hawaii's gross State product, compared to United States................................................................................................................ Return on investments ................................................................................................... The monetary multiplier ............................................................................................... https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 653 554 533 587 692 589 584 693 581 526 25 66 67 68 69 70 71 72 73 74 74 78 25 122 123 124 125 126 127 128 588 586 653 399 579 583 582 585 400 MONETARY POLICY IMPROVEMENT ACT OF 1979 MONDAY, FEBRUARY 26, 1979 U.S. SENATE, COMMITTEE ON BANKING, HOUSING, AND URBAN AFFAIRS, Washington, D.C. The committee met at 10:05 a.m. in room 5302, Dirksen Senate Office Building, Senator William Proxmire, chairman of the committee, presiding. Present: Senators Proxmire, Morgan, Stewart, Tsongas, Garn, Tower, Kassebaum, and Lugar. OPENING STATEMENT OF CHAIRMAN PROXMIRE The CHAIRMAN. The committee will come to order. Mr. Chairman, my statement will take a few minutes and I suggest you be seated because I think Senator Tower may have a statement too and perhaps Senator Kassebaum. The committee is beginning its consideration of legislation to deal with the problems associated with the erosion of membership in the Federal Reserve System. There are several bills that have been introduced: S. 85, which is my bill; S. 353, which is Senator Tower's bill. The Federal Reserve Board has also taken a slightly different approach and there's a House bill approach. The Federal Reserve is the Nation's central bank and its primary responsibility is the formulation and implementation of monetary policy. That role was not really envisioned when the Federal Reserve System was set up in 1913 as basically a central clearing bank to establish a nationwide network for the efficient clearing of payments. Membership was made voluntary in 1913 because not all banks needed to be associated with the Federal Reserve for the development of an efficient payments mechanism. But the Federal Reserve's responsibilities have changed. Is the Federal Reserve's structure now appropriate for the Nation's central bank? Is voluntary compliance with reserve requirements appropriate and consistent with the needs of the Fed to conduct monetary policy? Should access to the Federal Reserve's discount window be extended to nonmembers to enhance the safety and soundness of the banking system and on what basis? Should Federal Reserve services be provided on the basis of price rather than membership status? Is the position of nonbank thrift institutions in the payments mechanism and financial markets sufficient to warrant their participation in the central bank and in monetary policy considerations? Should interest payment on reserves at the Federal Reserve banks be authorized by Congress? https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis (1) 2 The membership problem has been a concern of the Federal Reserve Board and the System for some time. Policy issues which now come before the Federal Reserve Board may too often pose the question: What impact will the solution to this issue have on membership? For example, if access to the discount window is important for the safety and soundness of the banking system, is it appropriate for the Federal Reserve to be forced to say we cannot make that access available to nonmember banks because the membership problem would worsen and monetary policy implementation would therefore be compromised. In the same way, the membership problem compromises the pricing of services and regulatory issues. Mandatory universal and uniform reserve requirements offer one solution. It would allow open access to the discount window and to Federal Reserve bank services and permit the pricing of those services on a market basis. This would also permit lowering the cost of reserve requirements by reducing them. However, reduced reserve requirements will result in lower earnings for the Fed and thus less revenue to the Treasury and less for the taxpayer. The committee has an obligation to protect Treasury revenues and the taxpayers of this country and to guard against outright transfer of funds from the Treasury to the banks. Such transfers would result in an increased Federal deficit which in today's inflationary environment must be held as low as possible. The payment of interest on reserves must be examined very carefully. There is no precedent for this in the history of the Federal Reserve. There is no authorization for interest payments on reserves that, must come from the Congress. I have opposed interest payments on reserves and continue to be skeptical of the idea because even payment of a _modest amount of interest would set a precedent that would be an invitation to larger and larger transfers of funds from the Treasury to the banks. The American Bankers Association issued a statement last week saying: The Fed should establish and put into effect immediately earnings participation accounts at the Fed's portfolio rate on the first $10 million of each member bank's reserve balances. Participation in such earnings participation accounts covering balances in excess of $10 million should be considered when monetary, economic, and other factors make such action desirable. Well, the cost of doing that would amount to $1.5 billion before taxes. Commercial banks' Federal income tax liabilities have been consistently far lower than other American corporations. I hope that with your help, Chairman Miller, that we can find a permanent solution to the problem of securing reserve requirement coverage of a broad deposit base. I hope we can do that without large cost to the Treasury. A practical solution should not be difficult. It can improve monetary policy, provide greater equity among depository institutions, increase profits for the banks, and cost the taxpayers relatively little. Th~ last thing this country needs is another spending program, read it-another program that will cost the taxpayer money. Now it's one thing to propose a program that would provide more money to welfare mothers or handicapped citizens or the infirm https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 3 elderly. Frankly, I would oppose those programs too at this time. But how then could I support this new program to hand out hundreds of millions of dollars of money from the Treasury to the banks? We have, to this country's credit, never paid interest on required reserves, for the very good reason that to require reserves is a small price to pay for the immense benefit banks enjoy with their charter, their authority to lend, their protection from competition through limited access to banking. Until this issue of Federal Reserve membership arose, even the banks never seriously tried to persuade the Congress to authorize the payment of interest on reserves. There was no respectable economic thought saying that such an expenditure by the taxpayer was desirable or necessary. But once this program is opened up-watch out. Yes, indeed, initially the cost will be only a few hundred million but like every other Federal exenditure it will balloon. And what is worse, I can hear the arguments now: Senator, if you can pay hundreds of millions to the banks in interest on reserves, when we didn't pay them anything on their reserves for 200 years, why can't you pay more for the poor, the blind, the lame, the small farmers, the needy student, and so forth? There's no end to it. No matter how we disguise such a program, it's really welfare for the banks, subsidy for the banks, based on a pitifully weak case. Here is the industry that year after year pays the lowest taxes of any major industry in the country to the Federal Government, and embarrassingly low State taxes. Here is an industry that is right now enjoying a fat increase in profits, certainly among the highest increase in profits of any industry. Here is the one industry which has been in effect exempted from the President's price guidelines, although it enjoys the benefit of being able to hold down its costs by being subject to the President's wage guidelines. Here is an industry that enjoys the advantage of Federal law that prohibits paying any interest on demand deposits, which means that the Federal Government by law requires that much of the funds the banks have available to lend out at interest costs the banks virtually nothing. Here is an industry that enjoys another Federal law that, with regulation Q, limits to 5 percent the interest banks can pay on passbook savings deposits which again limits the banks' cost and means the banks can enjoy a margin now exceeding 100 percent on much of their savings deposits. Here is an industry that enjoys still another Federal law that limits the rate of interest that the banks can pay on some longer term deposits and, again, in effect, guarantees another happy profit margin on much of the rest of the bank's borrowed funds. But how about a law to limit the rate of interest banks can charge, and thus would limit the bank's profits. Of course, there is no such law and frankly there should not be one. If there were such a law, it would require the allocation of credit which I strongly oppose. But consider what this means. It means that while every other industry in the country is subject to the profit-margin test on profits or a 6-percent guideline on price, the banks alone are https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 4 exempt. They are home free. They alone are subject to no price or profit limit. Now what is the consequence of all this? It means the bankers are asking for a brand new precedent. For the first time in 200 years, their proposal would require the hardhit Federal taxpayer to forgo hundreds of millions of dollars that would now for the first time be paid to the banks in interest on reserves. Talk about economic justice, talk about targeting scarce Federal funds to those who really need it. We are being asked to sock the taxpayer in this year-one after proposition 13 to pay to bankersbankers-bankers these funds when the law now shelters bankers from competition, when the law prohibits you from making a nickel in interest from the banks on your demand deposits, when the law flatly limits the amount you can be paid on a savings account, when the law-in this period of sky-high interest rates thus guarantees beautiful bank profits which alone of all industries are exempt from profit guidelines when the law is so structured that the Federal and State taxes on banks are so small as to be almost invisible without a microscope, we are asked now for the first time to pay banks interest on reserves. I say: No way. It would be the Golden Fleece to end all Golden Fleeces, the rip-off of the year. Having said all this, I will support the payment of interest on reserves if we revise the law on entry into the banking business to make it conform with entry in other businesses, if we abolish the prohibition of interest on demand deposits, if we abolish regulation Q, and if we arrange some kind of a franchise tax to recognize the advantage banks have in investing in tax exempt Government obligations so they pay taxes comparable with other industries. When that day comes, I will be happy to support such a bill. Until that day comes, you will find me doing all in my power to forestall this all-time rip-off. But if the banks simply want a bill which will result in lower reserve requirements, and therefore higher profits, and will at the same time give the Federal Reserve the universal reserve requirements they need, they will have my support and we can enact such a law promptly. Senator Garn. Senator GARN. I have no opening statement, Mr. Chairman. I would reply very briefly to your statement, however, without getting into detail, because you and I might go on for hours and we might not be able to hear Mr. Miller. I think it's a gross overstatement of the position of the banks and their profit margins and an attack that I think is unwarranted. That's all I have to say at this point. The CHAIRMAN. Senator Tsongas. Senator TsoNGAS. No statement. The CHAIRMAN. I want to introduce Senator Tower. He was, after all-it's not every committee that has Superman on it. I was going to say, "Is it a bird? Is it a plane? No, it's Supertower." We are delighted to have the distinguished Senator from Texas. [Laughter.] https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 5 STATEMENT OF SENATOR TOWER Senator TOWER. Thank you, Mr. Chairman, and I will later express my thanks to the Washington Post for having covered that event. I do have a rather mild opening statement. I'm sorry that it is so mild, considering the chairman's opening statement. I was under the impression that our late lamented colleague, Wright Patman, had gone to his reward, but apparently he's in the back room somewhere writing our chairman's speeches for him. The CHAIRMAN. I couldn't have a better ghost. Senator TOWER. It's perhaps good old dogmatic populist sentiment, but I think that the chairman has engaged in a little highflown rhetoric that doesn't get to the substance of the issue. During the course of these hearings the committee will be considering two clear-cut alternatives to solving the Fed membership problem. One alternative contained in S. 85, which the chairman has introduced, is mandatory in that it would require all banks and thrift institutions over a certain size to hold reserves with the Fed. The other contained in S. 353, which I have introduced, would maintain the present system of voluntary membership in the Fed and allow the Fed to pay interest on reserves. Both bills would reduce reserve requirements and require they be applied uniformly on all banks within certain deposit categories. I am greatly concerned, however, over the mandatory approach. It represents a significant break with the present system of voluntacy membership. Perhaps if we were_ starting from scratch, such ari approach would be desirable, but we're not. There are a large number of nonmember banks which have decided not to be members of the Fed and for good reason. Member banks are required to hold reserves in the form of nonearning assets. This is a discriminatory tax on their earnings. The mandatory approach would require a number of nonmember banks in my State and elsewhere to hold reserves in the form of sterile assets of the Fed adversely affecting their income and their ability to continue serving their community. I believe it would be preferable to solve this problem within the present system of voluntary Fed membership and my bill would solve it by reducing the reserve burden of membership and encourage rather than mandate that banks hold reserves at the Federal Reserve. I will be very interested in having the witnesses who appear before this committee respond to the question of whether or not the approach in my bill will solve the Fed membership problem. If banks are leaving the system because of the burden of reserves, then why not eliminate the burden through a reduction in reserves and the payment of interest on reserves? If equity is important, wouldn't the payment of interest on reserves remove the existing inequities by allowing member banks to earn a rate of return on their reserves just as nonmember banks are allowed to do? Obviously, Treasury revenues are a consideration, but the requirement that member banks hold reserves in the form of sterile assets is, again, a discriminatory tax on those banks. I believe it would be preferable to avoid such discrimination in gaining Treas https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 6 ury revenues and, if necessary, make up the difference elsewhere or reduce Federal outlays accordingly. I believe the approach in S. 353 solves the Fed membership problem in a straightforward manner that is equitable and it avoids the traumatic change in the banking system that mandatory membership involves. Let me again say that the payment of interest on reserves is not a subsidy. It is not a handout to the banks. It simply represents the removal of a discriminatory tax that is now levied against the banks. Thank you, Mr. Chairman. The CHAIRMAN. Senator Kassebaum. Senator KASSEBAUM. No, thank you, Mr. Chairman. The CHAIRMAN. Senator Lugar. Senator LUGAR. No comment. The CHAIRMAN. Mr. Chairman, go right ahead, sir. STATEMENT OF G. WILLIAM MILLER, CHAIRMAN, BOARD OF GOVERNORS, FEDERAL RESERVE SYSTEM Mr. MILLER. Thank you very much, Mr. Chairman. I would ask your permission to include the prepared testimony submitted to the committee and the attachments to it in the record. The CHAIRMAN. Without objection, the entire statement will be printed in full in the record (see p. 102). Mr. MILLER. Instead, of going through the prepared testimony, Mr. Chairman, we have placed before each member of the committee a set of talking points and charts. I would like to guide you through them as a means of addressing the issues this morning. First, I'd like to express my appreciation to this committee for the priority which has been assigned to this matter in this session. The matter of the decline of membership in the Federal Reserve System is an issue that's been under consideration for several years. There have been a number of reasons why over the last 5 or 6 years there has been an increasing rate of attrition in membership, and a number of important issues have been raised and discussed in many forums, including before the Congress. Last year, when I became Chairman of the Federal Reserve, it seemed important that we join together in addressing this issue and try to find a solution that would be equitable and workable and improve the monetary system at a critical time in our Nation's history. I might remind the committee that the approach we took last year in this regard was to submit, at mid-year-the first opportunity since assuming my chairmanship-a set of proposals to address the issue. The principles that we set forth were: first, a reduction of reserve requirements within the present statutory limits; second, authorization to pay a limited amount of interest on reserves; and third, a proposal to charge for services provided by the Federal Reserve. Under that proposal, the payment of interest coupled with charging for services would have limited the net reduction of Federal Reserve earnings to 7 percent so as to provide a control mechanism on any reduction of Treasury revenues. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 7 A fourth element of our proposal, at that time, was for the Federal Reserve to reimburse the Treasury over a transition period, so that there would be no immediate budgetary impact. I must say we were extremely pleased with the willingness of this committee to address the issue. The chairman of this committee and the chairman of the House committee introduced proposals that look to universal reserves and uniform reserves as alternatives to the proposals we made last summer. Those proposals are consistent with the recommendations of every commission that has studied banking since the 1930's, and we were pleased to shift from our original approach, which primarily involved operating within the present statutory structure. We have been engaged, since that time, in working with committee staffs and with committee members to study these issues and develop a response. Since time ran out in the last Congress, it was not possible to resolve this matter, but it was agreed that this would be a high priority in the new Congress, for which we are most appreciative. In the interim, we have been endeavoring to assess the legitimate concerns of all affected constituencies, to come forward with responses to those concerns, and to find the most equitable, the soundest system possible, one that addresses the issue of fairness while looking at the public interest. This year, we are proposing what we call a monetary improvement program. It involves not only the legislative issues pending here, but our determination to improve monetary policy implementation in other ways. For example, we are ~w seeking comments and input from all those who are interested and knowledgeable as to the definition of the monetary aggregates. These have not been redefined in recent years and the current definitions, seem to be out of keeping with the actual functions of money in today's economy. So we are addressing this issue. But today, we are looking only at legislative matters. If you turn to page 2, we list our objectives for this initiative: (1) to promote equity in the competition among depository institutions and (2) to improve the effectiveness of monetary policy. Let me just first speak briefly about monetary policy on page 3. Our first objective in the proposals being considered here is to improve predictability with respect to the monetary aggregates. At the present time, deposits move in an unpredictable way among members and nonmembers, among whom reserve requirements differ. Because we cannot predict how deposits will flow, there is a certain degree of looseness in predicting the effects of monetary policy action. Now I might point out that there are other reasons for unpredictability of the monetary aggregates. When deposits move from one category of deposit to another, or from a small institution to a large institution, reserve requirements also change. As you know, we h e a g aduated system of reserves now. If a demand deposit moves from a small member bank, to a large member bank, the reserve requirement may change. Likewise, if a deposit moves from a savings to a time account, the reserve requirements may change. But for today's discussion we are looking only at the effect of deposits moving from a member bank, which has reserve require https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 8 ments, to a nonmember bank, which has differing requirements or none, and the degree of unpredictability that creates. Page 4 shows that to the extent deposits are held outside of the Federal Reserve System, the degree of unpredictability increases. The horizontal axis goes from zero balances outside the Federal Reserve, on the left, to 100 percent of deposits outside the Federal Reserve, on the right. Today we are at the dotted line: it shows that with roughly 30 percent of deposits outside the System, there is a 6 percent lack of predictability. We can be wrong 3 percent in either direction, for aggregate error of 6 percent, in our predictions of the 2 month growth rates of the monetary aggregates. The Federal Open Market Committee uses the 2-month projection as a means of setting its objectives, which is why we have selected it. For this reason, any program that would increase the amount of deposits subject to Federal Reserve reserve requirements would greatly improve our ability to predict the monetary aggregates and, therefore, to implement monetary policy. Looking at page 5, I might say there are some other reasons why the approach being suggested would improve montary policy. One is that, with the problem of attrition, the Federal Reserve has felt itself somewhat constrained in changing reserve requirement ratios. If there is a desire to increase them, that would increase the burden of membership and accelerate the decline in membership. So it would greatly improve our flexibility in using reserve requirement ratios as a monetary policy tool if there was a system of more uniform or universal reserves, with an impact more equitably spread over the entire financial system. Another reason that the proposal before this committee would improve monetary policy is in providing access for all financial institutions to the discount window. In times of adjustment in liquidity for whatever reasons-because of tight money policies, because of sudden shifts-we need to be able to adjust portfolios of depository institutions smoothly to keep the economy working smoothly. The availability of the discount window would add a degree of certainty to the process and would enhance our ability to impose monetary policy without causing disruption in the financial community or in the economic system. Another -reason the proposal improves the system is, of course, that the Federal Reserve is the insurer of the workings of the payments mechanism: the Nation's central bank provides the ultimate security that payments are safely and efficiently cleared and that the payment system works. To the degree that more and more banks move outside the System, and more and more clearing banks become nonmembers, there's always the problem that a difficulty in liquidity in a nonmember clearing bank could have a ripple effect and impair the liquidity of all those banks that clear through it. The Federal Reserve as a backup gives greater assurance of safety and efficiency in this area. Mr. Chairman, members of the committee, these are some of the issues that I'm summarizing from the testimony that would improve in monetary policy implementation. There is definitely, in our view, a need for corrective action. The main reason for the need is the decline in membership. On page 7 you can see the trend in the decline in the percent of banks participating in the Federal https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 9 Reserve System, and the decline in the percent of deposits subject to Federal Reserve requirements. The dotted lines project what we can expect from continuing attrition, both in percent decline in banks and percent decline of deposits. The upper dotted line projects a continuation of the experience we have seen in recent years; the lower dotted line projects experience parallel to that in New England. With the introduction of NOW accounts and other new devices in New England, there was more competition, more relative burden on membership, and a more rapid attrition. Ten years ago, New England had a higher percentage of member banks and a higher percentage of deposits subject to Federal Reserve requirements than another other region. Now, it has one of the lowest, because of these competitive developments. These have been limited to that part of the country until recently, but are now spreading elsewhere. So we could expect to see the trend somewhere between these two dotted lines in the future. There's also a need for corrective action because of the burden of membership. The loss of income on nonearning reserve balances, adjusted for the benefit that these members receive from Federal Reserve services provided without charge, amounts to $650 million in 1977 pre-tax dollars. That is, the difference between what reserve balances could have earned in 1977 had these banks been nonmembers and the value of the services we provided, is $650 million, which is equal to 9 percent of pre-tax earnings. This creates to a degree an inquitable tax, falling on some banks and not others, which illustrates our difficulty. Another point worth noting is that this burden of membership falls heaviest on smaller member banks. Our estimate of 9 percent of pre-tax earnings is an overall figure; for small banks-shown in the bars on the left of the charts on page 10-you will see that the figure is over 20 percent of pre-tax earnings; for medium-sized banks it's 15 or 16 percent; and for very large banks it declines to 7 or 8 percent. So the burden falls heaviest on smaller members and, in our view, this is particularly troublesome. It is something we cannot correct easily under the present statutory structure which has a minimum reserve requirement of 7 percent; we are already at that minimum, so we can't do anything by way of reducing reserve requirements to aid small banks any more under the present structure. There's also the subject of competitive equality. I said we had two objectives in mind. One is to improve monetary policy. The other is to assure greater competitive equality. I might point out that in endeavoring to address this subject we, as others, recognize that we are not starting from scratch. We have a system that's in being. We are not back in 1913 when we were setting up the Federal Reserve System, so we may not be able to achieve the ideal of perfect equality and perfect equity. But, looking at the affected constituents, we certainly can try our best to create a sounder system and a better system while removing, to the degree we can, any inequality in the competitive environment. Member banks now face not only a competitive inequality as against nonmember banks, but also a growing competitive inequality as against thrift institutions, which are more and more gaining powers as to transactions-type accounts. Other powers are being https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 10 sought as well, so that more and more thrift institutions are gaining some of the powers previously reserved to banks and becoming, so to speak, across-the-street competitors. To that degree, possibility of even greater inequality, unless we address this issue now, is growing. Now some of the competitive elements-page 12 contains only a partial list-include the advent of NOW accounts. This is, in effect, the permission to pay interest on certain demand deposits. It first developed in New England out of a legal assertion by certain thrifts of the power to issue negotiable orders of withdrawal, and eventually led to NOW account authority for all of New England, which led to a competitive situation that made membership even more burdensome and resulted in higher attrition. We also have point of sale terminals; we have credit union share drafts which operate like checks; Federal savings and loans may soon have available to them a payment order account which will be, in effect, the same as a check; there is authority for telephone transfers and for a whole series of new services evolving from the financial system's efforts to serve people and businesses better. But such competitive innovation, while certainly desirable, creates more inequality which threatens our system. Looking at this from a monetary policy and from a competitive equality point of view, what are some of the elements which would move us toward a more ideal system? Some of these elements are listed on page 13. First, it would help both monetary policy and equality if there were more uniform, more universal reserves at commercial banks; and second, it would help if we extended reserve requirements to transactions balances at thrifts, so that if they are involved in these activities they are on the same basis as banks. Both of those elements are contained in Senator Proxmire's bill, S. 85. Senator Tower has put forward an alternative, and we very much appreciate that because we want to look objectively at the various options. His particular approach would not apply mandatory requirements but would continue a voluntary system. The third element, reduction in reserve ratios, is proposed in both bills. So I think we have agreement at least on some reduction in requirements to relieve the burden on member banks. A fourth element that the Federal Reserve has suggested is an earnings participation account. I will explain later why we feel that should be a supplement to these other elements. Fifth, I think we all agree that if we solve the membership problem there is an advantage-in terms of efficiency and economy-to introducing explicit charges for Federal Reserve services. We will no longer be tempted to try to solve the problem by providing free services, which may involve a poor use of our resources. And sixth, any proposal we make should minimize the effect on Treasury revenues, particularly in these times of austere budgets. So we want to try to do all six of those things. Let's talk for a moment about the proposed reserve requirements. On page 14, just to get the issues before us, we have taken the S. 85 proposal and compared it with what the Federal Reserve believes would be an improvement: call it MOD-85. It represents https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 11 our suggestions for changes that we think would go further in solving the problem. I will explain the reasons for these changes in a moment. S. 85, includes the concept of exemptions, so that large numbers of smaller institutions would not bear any reserve requirements, even with uniform, universal reserve requirements. The exemption proposed in S. 85 is $40 million of transactions accounts and $40 million of total time and savings deposits. We believe that if each of those two exemptions were increased to $50 million-particularly if our earnings participation account concept is accepted-we could still get the coverage we need and further reduce the burden to financial institutions so that there would be more equality in the system. We are suggesting some adjustment in the particular ratios that have been proposed. In some cases they are not very much different from S. 85. But we are concerned about too heavy a reserve requirement on transaction accounts, because this represents a continuing high cost to financial institutions and not, in our opinion, enough of a reduction in burden. The CHAIRMAN. Mr. Chairman, I hate to interrupt your narrative. Could you add one factor here, a cost comparison? Mr. MILLER. Yes, I will come to that in just a moment. The CHAIRMAN. I thought right on that table it would be good to have them together. Mr. MILLER. I will get to that; I certainly want to face it squarely. As to the idea of the earnings participation account, first, let me explain how it works and then why it makes sen:se. Chart 15 takes the deposit category of transaction accounts, the left bar indicates how an earnings participation account would work. In the first place, we would exempt completely the first $10 million of deposits, so many very small institutions would have no reserve requirement on deposits at all. For deposits over $50 million, the top part of the bar, there would be required reserves. Between the $10 million and the $50 million is where we would say we need a supplement to the required reserve structure. Institutions would place deposits with the Federal Reserve that would participate in our portfolio and accrue interest at our portfolio rate. So this does not change the concept of required reserves; it supplements the concept. Our reason for doing this is shown on the next chart. Currently, about 73 percent of deposits are in the Federal Reserve System; under S. 85, with the $40 million exemption in each category about 75 percent of deposits would be covered. Under our proposal 1 using the EPA, we could cover 94 percent of deposits, but with no more impact on the earnings of banks than under S. 85 because we would be paying the portfolio rate on these additional deposits. The coverage of those deposits would give us the monetary predictability we need. So our proposal tries to combine the concept of broader coverage of deposits with the idea of minimizing the impact upon bank earnings-that is, not taxing those particular deposits, if you look upon non-earning reserves as a tax. It would give us greater coverage without burdening the banks. 44-240 0 - 79 - 2 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 12 Let's look at the next table which shows how this would affect reserves. We have taken December of 1977 as a point of comparison. At that time, required reserves maintained with the Federal Reserve were about $27 billion. We have then compared the effect of S. 85 with the effect of the proposed modifications that we would suggest. Under S. 85, the reduction in required reserves for member banks would be $10.5 billion. MOD-85 moves the exemption level up from $40 million to $50 million and contains slightly lower ratios; so our proposal would reduce required reserves for member banks by $13.9 billion. If we institute universal reserves, S. 85 would require reserves for non-member banks of $2.2 billion; our proposal would require $1.7 billion. The net reduction in required reserves under S. 85 would be $8.3 billion. Under our proposal, the net reduction would be $12.1 billion. The new level of required reserves, then, would be about $19 billion under S. 85; and under MOD-85, $15.1 billion. Now, in addition to that $15.1 billion of non-earning reserves, we would also require institutions to maintain $5.9 billion with the Federal Reserve in an earning participation account which would pay the portfolio rate. They would thus get a rate nearly equivalent to what they could otherwise expect from their liquid assets year after year. So the differences are mainly: about a $4 billion additional reduction in required reserves; plus the concept of an earnings participation account. Looking at earnings improvement, on page 18, under S. 85, the pre-tax earnings of banks would improve by $133 million, if we assumed that this whole program was totally in effect in 1977. (I will speak in a moment about the effect of phasing the program in, but for now just assume the whole thing goes into effect at one time. If the program had been totally in effect in 1977, bank pretax earnings under S. 85 would have been increased $133 million. With the modifications we suggest, bank earnings would be increased $384 million. I'll speak later of the net cost to Treasury; this chart shows just bank earnings. By the way, MOD-85 is the same proposal we made to the House, so the figures are the same. Let's look at the number of institutions affected, on page 19. Currently, there are 5,664 member banks, all covered under the present system. Look down that first column for a moment: we are not covering 8,954 non-member banks and we are not covering over 27,000 thrift institutions now. We have 5,600-plus member banks, and we don't cover anybody else. Under S. 85, 1,252 member banks would be covered; 707 nonmember banks would be covered; and 2 thrift institutions would be covered. The rest would not be covered. Under our proposed modification, 3,893 member banks would be covered, compared to the present 5,664; 4,015 non-member banks would be covered; and 48 thrift institutions would be covered. The rest would not be covered. But if you turn to the next page you will see what coverage means. Under the present system, of our 5,664 members, all but 59 maintain reserves with the Federal Reserve; those 59 are able to https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 13 cover their reserve requirements with vault cash. (Reserve requirements of the Federal Reserve are met first, by vault cash and to the extent vault cash isn't sufficient, by balances held with the Federal Reserve. In the present situation, 59 institutions are covered with vault cash; 5,605 maintain reserves. First, let me point out that in MOD-85, as we have said before, we would have a greater number of institutions covered. But most of those-4,324-would cover their requirements with vault cash; 2,976 more would maintain earnings participation accounts only, no sterile reserves; only 656 banks would hold non-earning reserves. Of those, 424 are now members; 232 are large non-members. Remember that 48 thrifts would be covered, but they would be able to meet their requirement either with vault cash or by holding an earnings participation account. So only 656 institutions would actually hold non-earning reserves. I mentioned that in addition to universality, uniformity and the earnings participation accounts under our proposal, we have also proposed to introduce explicit charges for Federal Reserve services-assuming that we enact a solution to membership. Obviously, we can't put in explicit charges under the present system, because that would merely accelerate the loss of membership; we can do this only if we have solved the membership problem. Page 21 shows, again based on 1977, that we expected to be able to generate $410 million of income to the Federal Reserve by charging for services at that time. Finally, on the last chart, Mr. Chairman, we do have the costs to Treasury broken down. I apologize that those two columns aren't headed. Please write S. 85 over the first column, and MOD-85 over the second, and then I can show you the costs. Pre-tax earnings we talked about earlier, and I explained the combined effect, on the one hand, of reducing reserve requirements and, on the other hand, of charging for services. Banks would have greater income because they would not have to maintain sterile reserves; they would have less income because of paying for our services. The net effect under S. 85 is an increase of ~133 million. But those earnings would be subject to taxes. The Treasury agrees with us that the recovery-from corporate taxes and taxes on dividend payments-to the Treasury would be $73 million. The net cost to the Treasury would therefore be $60 million. Under our proposal, the net cost to the Treasury-and again this is the same proposal we made in the House-would be $173 million. We are proposing, additionally, to reimburse the Treasury over 3 years for the actual loss of revenue. The Federal Reserve has a surplus built up over 65 years and we would use part of that surplus to reimburse the Treasury until this transition is complete. This particular cost estimate is based on a static condition. Actually, what we propose is to phase in the new reserve requirements over 4 years, and to phase the reduction in reserve requirements over 2 years; we would put charges for services into effect as soon as we could, which might take a year, perhaps. We have worked out a schedule with the Treasury. Mr. Chairman, I'm not going to take the time to go through the dynamics in detail. But if you look at the effect of the changes we are proposing, and compare that with the effect from the loss of https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 14 membership that would take place if we don't make these changes, then you will find the real cost to the Treasury is ultimately very small, indeed. If we don't find the solution to this problem, there's going to be a continued attrition of membership; and if there's attrition of membership there's a loss of earnings to the Treasury. So we are lossing income anyway. One of the reasons we feel this $173 million cost is quite reasonable is that, while there would be a loss in revenue for 3 years, after that there would actually be a gain in revenues. So there would be, as we see it, a gain in that we would stop losing members. I might point out that while the earnings participation account is perhaps a novel concept, I was particularly pleased that Senator Tower, in his proposal, did recognize this as one of the components that should be considered. So we have a mixture in the alternative proposals here which we are hoping to synthesize into a program that would meet with your approval and your support. We do feel that the matter is extremely important; the soundness of our financial system in these difficult times of high inflation and international difficulties is extremely important to this Nation. I appreciate your attention. I hope that the degree of detail I have given has not obscured what is fundamental about this particular matter. Thank you. The CHAIRMAN. Mr. Chairman, I want to thank you for a really remarkably fine presentation of an extraordinarily complicated situation and one that isn't the most exciting in the world, but I think you presented it very, very well and made a very fair and objective as well as clear presentation. I understood you to indicate-of course, you prefer the modified S. 85, but you conceded, as I understand it, that S. 85 as I have introduced it does improve earnings by the banks. It provides exemptions for about 95 percent of all the banks. All the savings institutions would be exempt, and the conduct of monetary policy would be improved. Is that correct? Mr. MILLER. That's correct. Mr. Chairman, the problem that the Board has with S. 85 is that although the principles are certainly right in line with what we think would solve the problem, it may not be generous enough in reduction of reserves or exemptions. Therefore, we have suggested modifications to alleviate this. The CHAIRMAN. I understand that and that's why-I don't want to be unfair, but it does seem to me that this could be construedand, of course, in my opening statement I indicated I would construe it as a rather brassy proposal to enrich the banks at the expense of the taxpayer, and when you consider the fact that J. P. Morgan, in all his majestic arrogance when he deigned to bail poor old Grover Cleveland and this country out in the 1890's, he never developed the unmitigated gall to demand interest on reserves. When the legendary indomitable Biddle clashed with Andrew Jackson and the Government was attacked for having Biddled diddled and undone, Biddle didn't have the effrontery to call for interest on reserves. Andy Mellon, Tom Lamont, George Whitney, the fabled Gianini, have never even suggested or whispered that they should be so richly rewarded. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 15 Why didn't they? Because they knew they enjoyed a privileged position in this economy, and here was one rip-off which even they would have known was too outrageous to call for. How these great financiers would have admired this magnificent example of sheer unadulterated brass. I can just see their ghosts now crowding into this hearing room to sing hosannas of praise. Don't you feel some reluctance in proposing interest on reserves for the first time at this time under these circumstances in view of the fact that we have an austere budget in view of the fact that the banks are doing so well, in view of the fact that the banks are not subject and they alone are not subject to the price guidelines and the profit ratio? Mr. MILLER. Mr. Chairman, I have no reluctance at all. Not being one of those famous financiers, I probably have a more practical approach to solving the problems of the world. The CHAIRMAN. They were pretty practical fellows. Mr. MILLER. If you assume we accepted S. 85, then we would have reserve requirements only on deposits over $40 million. I can't see anybody rolling over in his grave if we say, by the way, if you put some more money with us on which we will allow you to participate in our portfolio. The CHAIRMAN. You see, the difference is the interest on reserves and what I'm afraid of-you're dead right that the costs now are relatively modest and very limited considering the size of our budget. But once we start the new program of paying interest on reserves for the first time in the long history of this country, it seems to me we're going to move rather quickly to paying interest at the market rate, moving under the present circumstances of paying 11 or 12 percent interest on these reserves at a colossal cost to the Treasury, and as I say if there's one thing we don't need now it's a new spending program, particularly one that isn't targeted at the neediest in our society. Mr. MILLER. Mr. Chairman, you see, again, I have to be, practical. I don't know what good it is to be doctrinaire about that issue. I have more faith that Congress is not going to be an easy target and give away unnecessary funds, but it seems to me that if we continue-The CHAIRMAN. It's been an easy target in the past, as you well know. Mr. MILLER. This new Congress and this new attitude of austerity is one that I'm sure will be with us for a while, and I support that. But it seems to me the alternative is for banks to leave the System and maintain no reserves, with a loss of revenue to the Treasury. It seems to me that if we want to hold out for a principle and lose all that revenue, it doesn't prove much. The CHAIRMAN. On the contrary. You see, Mr. Chairman, my proposal, S. 85, would not ignore that problem. It would meet the problem of losing membership. It would meet the problem of permitting you to maintain an effective monetary policy, but it would do so at lower cost and without breaching that principle. Mr. MILLER. Yes, and we agree that if you take MOD-85 without the earnings participation account one could say that we have stabilized the present coverage of deposits. Undoubtedly, although there would be some lack of predictability, the Federl:ll Reserve https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 16 could operate. Our view is that if we accept your S. 85, modified as to exemptions and reserve levels, that we gain something additional for monetary policy by imposing this earnings participation account: we get coverage of 94 percent of deposits instead of around 70 percent. So we're looking at it a little differently. I guess I have more faith. I don't believe the Congress, which has been certainly tough on this issue, would make the decision to solve the problem now and somehow later create a bias in favor of further erosion in the Treasury revenue structure. The CHAIRMAN. Now let me get into the universal reserve requirements which again is a new principle now, and Senator Tower is exactly right in proposing an option-the committee certainly ought to have an option and he may prevail. I think that's something that the committee ought to consider very, very seriously because it would be something new to mandate reserve requirements. On the other hand, isn't it true that every other central bank in major industrialized free countries has the authority to set mandatory universal reserve requirements? Do you know of any country where the central bank does not have the authority to do so? Mr. MILLER. All major countries have a central bank that encompasses all banks and-The CHAIRMAN. Do you see the need for universal reserve requirements extending to both bank and nonbank depository institutions in all types of deposits? Mr. MILLER. If we were designing an ideal system, it seems to me that fair competition would require equal treatment of the same kinds of deposits. We have had the proper public policy of creating incentives for thrift institutions to grow up, to develop, and to expand as a means of funding specialized needs, particularly housing. The problem is that, at this particular time, to impose reserve requirements upon their savings and time deposits, I think would be an undue shift of policy and a burden. While ideally, the same treatment should apply, it seems to me that the main thing now is to establish the principle that if the thrifts are going to move into transactions types of accounts, similar to banks, they should be expected to be treated like banks. There are two ways to go if you level the field to create fair competition. One is to say that it's not desirable or fair to put a reserve requirement on time and savings deposits of thrift institutions; another way to go would be to remove reserve requirements from time and savings deposits at banks. The trouble with that is that the latter costs revenue and, as you were pointing out, we have to look carefully at the cost of our proposals. So, Mr. Chairman, if we go toward the ideal, we find ourselves constrained by some factor I think we are constrained by the issue of fairness in putting reserve requirements on savings deposits of thrifts. We are constrained by the costs of removing reserve requirements on time and savings deposits at banks. The CHAIRMAN. Are reserve requirements needed on small denomination time deposits? Mr. MILLER. Probably we could do without it. There's a technical problem. If we didn't have reserve requirements on small denomi https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 17 nation time deposits, and if we ever remove regulation Q, then I'm sure banks would divide every large time deposit into small ones. We have to be careful to develop a structure that will last and not show problems later on. The CHAIRMAN. How about reserve requirements in nontransactional savings deposits? Mr. MILLER. If we could afford it, I think we could operate without them. I would think if we did operate without such reserves there might at least be standby authority in case of monetary policy needs in some future emergency. But I would think that's a feasible approach. The CHAIRMAN. I understand that many bankers and economists argue that reserve requirements are not needed for the conduct of monetary policy. Has the Fed got a study on that or if it knows of studies, it would be very welcome to this committee because I think some would argue we don't need reserve requirements, and if I could be convinced of that, of course, I would be happy to forgo it. For a long time this was computed with safety and soundness. Now with deposit insurance and the kind of examinations that are done and so forth, and with the legislation we have passed, I think the reserve requirements for that purpose are no longer front and center. It's monetary policy which is the requirement and therefore I think we ought to have the best thinking we can get on the justification on that basis. Mr. MILLER. Certainly. We would be pleased to submit some additional data. I'm convinced we should have reserves. I might say that any major country that I know of that has tried to operate without reserves has put them back on again as soon as there were difficulties, indicating the value they attach to them. My first point, without going into the details-and I will submit material-is that I do think they are desirable and necessary and appropriate. But second, I would point out that if we _eliminated reserve requirements the impact on the Treasury would be enormous in terms of lost revenue. So we have to be concerned about that constraint right now, in trying to address the issue today. The CHAIRMAN. My time is up. I will be back. Senator Garn. Senator GARN. Thank you, Mr. Chairman. Chairman Miller, you have indicated that a key objective of the legislation should be the ability to control and enhance the predictability of monetary aggregates and so on, and that this is directly related to the proportion of deposits which are subject to reserve requirements. Senator Proxmire's bill, S. 85, exempts many small financial institutions from the reserve requirements, and also the first $40 million of deposits of larger institutions, and combined with the imposition of reserve requirements on large institutions that are not now members of the Federal Reserve System, the net effect, as you have indicated in your charts, is only a 2-percent increase in coverage. So my question is simply, how are we improving the influencing of monetary policy or the handling of monetary policy with S. 85? Mr. MILLER. Senator Garn, we would improve it in the sense that if we don't do something we are going to find, by 1985, only 60 percent of deposits covered; it could be worse. So we start off with the proposition that arresting the decline is the first objective. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 18 However, we feel, as we have indicated, that arresting the decline is not the ideal solution. If we could actually expand coverage by this earnings participation account, we would gain enormously in our ability to operate in this area. Senator GARN. But S. 85 as far as monetary policy is concerned is simply a holding action? Mr. MILLER. It's a stabilizing influence rather than-Senator GARN. It's not really an improvement, so you feel modified 85 going to 94 percent could give you more control? Mr. MILLER. Yes, sir. Senator GARN. How about the Tower bill, the possibilities of increasing the percentage coverage through voluntary methods? Mr. MILLER. If we had a system where voluntary membership was handled by reserves that bore interest, then the burden of membership would be eliminated. One could, at that point, say that the probabilities of increasing Federal Reserve membership would be good because there are advantages to joining the Federal Reserve System. The difficulty I see with that is the cost. Despite the fact that this is a critical issue, I'm not convinced that we can afford to pay the price of going that far at this time in terms of cost to the Treasury. Senator GARN. During the hearings that we held last August on this very subject, the former FDIC Chairman stated that a number of studies of money control in this country have concluded that increased membership and legal reserve requirements are not important to the effectiveness of monetary policy. He went on to state that what the Fed needs to conduct monetary policy more effectively is timely and accurate information about monetary aggegates. He stated there simply wasn't enough accurate information, it didp.'t come quickly enough, it was usually behind the power curve, and that this had far more influence on your ability to conduct monetary policy than the number of member banks or the amount of reserves that were covered. Would you comment on his testimony from last August? Mr. MILLER. We certainly need better data, but to the extent that deposits are outside the System you have what I call a sloppy fulcrum. There's a leverage in the generation of the monetary aggregates through the process of deposits and redeposits. If you have a lever, but you don't know where the fulcrum is placedbecause deposits move around among different categories and different institutions-lou never know what monetary pressure to apply since you don t know how much lift you're going to get on the other end. On the other hand, if you have a sure fulcrum, then you greatly improve your capacity to accomplish a desired result in applying monetary action. I'm convinced that we do need reserves to carry out monetary policy in today's world and I'm also doubtful that we could afford the loss of revenues from dismantling them. Therefore I'm convinced that we need more certainty, more coverage. We need the data, but that is after the fact; we also need coverage of deposits so we know before we take our action the probability of it working through the system in a certain way. Data is always historic; it tells you what happened last week. It helps to have that, but it https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 19 doesn't help in terms predicting what will happen if you do something over the next 2 months. Senator GARN. I think you would have to agree in the past the information hasn't shown what was going on last week or a month before. It's been very much behind and the information gathering is extremely important to you in accomplishing what you would like to with monetary policy. Mr. MILLER. No question of that, and I certainy hope that a provision here for gathering information will be part of any bill. Senator GARN. Well, I get back to the point then. Both the Proxmire bill and the Tower bill have provisions for information gathering and again we get back to the difference of mandatory versus voluntary. If information gathering is critical to monetary policy, wouldn't it be more equitable to maintain voluntary Fed membership as contemplated under the Tower approach in order to solve the membership problem rather than a new approach of mandating membership? Mr. MILLER. I hope we don't get hung up on the concept of mandatory versus voluntary. The fact that we have a precedent for a voluntary system in the United States-it was instituted when conditions were different-doesn't mean that we shouldn't now shift to a system like what everybody else in the world has; that is a system where the central bank serves the Nation and is not a club. We shouldn't become too convinced we should have a club approach. We are the only one with it, and it's beginning to show its age, so perhaps it's time we go from a private club to a universal system where we do involve everybody. But apart from that, I will repeat, that if membership were attractive enough so that in effect it became universal through a voluntary signing up rather than through mandating, I would have no objection. The only difficulty I have with that is the cost. It would be expensive to make membership so attractive. If we could do so without the concurrent loss of revenue to the Treasury, I would be very satisfied with a system that made membership as attractive as nonmembership. Senator GARN. One of my major concerns if you mandate without the requirement for membership, aren't you just simply going to have some of the banks say they might as well be a member of the Federal Reserve, and aren't we increasing a threat to the dual banking system? Mr. MILLER. I don't think so, Senator Garn. We have now 1,100 State member banks out of 5,600 members. These are very large banks, and medium banks and small banks. Those 1,100 banks have decided to maintain State charters, yet become members of the Federal Reserve. I don't see how, if State banks were required to maintain reserves, that would cause them to want to shift their charters or to change their supervision. And, of course, having mandated reserves does not require rutting up capital and buying stock in the Federal Reserve; there s a saving there. Experience would indicate there has to be a better reason to shift membership than just the fact of being required to maintain the same reserve base as others. My expectation is that we would not see shifts. Senator GARN. Well, the fear is certainly there. I've heard it from a lot of bankers in my own State and elsewhere. They do fear https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 20 whether it's real or not in your opinion, that it is a very definite threat to the dual banking system. Certainly, the State banking commissioners, may be just protecting some of their own turf, but nevertheless, that fear is there. If this bill is going to have an opportunity to pass that fear has got to be alleviated because it's real. Whether the Fed thinks it is or not, it certainly is there among those who are facing these mandatory reserves. Mr. MILLER. Certainly we want to alleviate that fear. We are open to any suggestions as to how we can better_assure this constituency. Our purpose is not to expand the Federal Reserve activities in terms of membership. We are trying to solve the problem in terms of equity and monetary policy issues only. If there's any way we can reassure State supervisors that we are not trying to poach on their territory, we would be happy to do it. Senator GARN. Senator Proxmire seems to be arguing that income which member banks forgo by holding sterile reserves is the Treasury's money; somehow it is theirs to keep forever. I share a somewhat different view. If the banks had that money to invest it would be helpful to the whole economy and that this is not the Treasury's money when we talk about sterile reserves. I don't know who gave them the authority to collect it. How do you feel about sterile reserves? Is that something that belongs to the Treasury by some divine right? Mr. MILLER. It belongs to the Treasury from 1913, if we believe in the membership concept. If we are willing to look at changing our system, then we certainly can change the ground rules. There's nothing wrong, as I mentioned, with a system, that allows interestbearing reserves for all institutions-which levels the field and doesn't cost banks earnings. That's a very ideal situation. It does mean that you change the rules that have been in effect for 65 years under which we have "taxed" banks for their franchise as a part of the whole structure. Senator GARN. My time is up. The CHAIRMAN. Senator Morgan. Senator MORGAN. Mr. Chairman, I only have a couple questions because I have not had an opportunity to read the Chairman's presentation. I would say that Senator Garn has raised the main question in my mind and in the minds of the financial institutions in North Carolina, and that is the question of what effect mandatory membership would have on the dual system. I would be interested in any analysis that the Board could make with regard to this because I'm going to have to be convinced that it will not erode away the dual system of banking before I could find my way clear to vote for any kind of mandatory requirements. I have just a couple questions. The chairman asked you about a study that was being made with regard to need for reserve deposits. Did I understand that the Board has made such a study? Mr. MILLER. I think we have already submitted to staff of the House Committee , and we certainly could submit to you, a memorandum that summarizes the need for reserve requirements. There have been other publications on this, Senator Morgan, but we will file this memo with the committee and send you a copy if you would like. It runs through the reasons why reserve requirements https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 21 are considered by the Federal Reserve as an important part of their policy. Senator MORGAN. You say that's a summary of the need for it. Was there a more in-depth study that might have given some of the pros and cons of reserves? Mr. MILLER. There's a whole series of them. I don't think there's been a recent study in the sense that you indicate. There's merely a body of literature that's been built up over a period of time that's summarized in our memo. Perhaps we could get some of the backup. Senator MORGAN. It might be helpful if we could get the backup on which this summary is based. I'm sure arriving at it there must have been some pros and cons. The CHAIRMAN. Before the Senator goes ahead, would the Senator yield on that? I think that's an excellent suggestion. I think it would be helpful because the Federal Reserve has a superlative staff. If you could also make available to us studies in the field-in other words, studies on both sides of this issue so that the Committee would have available to us the pros and cons. Mr. MILLER. Why don't we give you a brief on the pros and cons? The CHAIRMAN. And with a bibliography, if possible, of the leading articles on both sides. Mr. MILLER. I would be delighted. [The following information was received for the record:] THE NEED FOR RESERVES (1) Under our "fractional reserve system," the ratio of reserve requirements determines the expansion of deposits that can be supported by each additional dollar of reserves. For example, if reserves of 20 percent were uniformly and universally required, deposits could expand only until they were five times as large as reserves; that is, $10 million of reserves would support $50 million of deposits. Deposit expansion can continue to the point where the amount of reserves that all banks have is sufficient to satisfy legal reserve requirements. The reserve requirement ratio is thus the link between Federal Reserve policy actions altering the cost and availability of bank reserves and banks asset and deposit. It can be thought of as the fulcrum on which the lever of monetary policy operates. The surer that fulcrum, the more predictable the policy effect. (2) "Slippages" in precision of monetary control can occur because deposits shift among smaller and larger member banks, and among classes of deposits, with varying reserve requirements. Precision is also diminished in direct relation to the percentage of deposits held at institutions which have no reserve requirements. Given the present 28 percent of deposits not covered by Federal reserve requirements, our estimate is that, for any given growth in bank reserves over a two-month period, M-1 can vary in a range of plus or minus 3¼ percentage points from its expected annual rate of growth. This range of unpredictability results solely because of shifts in deposits between banks subject to Federal reserve requirements and banks not so covered. The precision of monetary control improves commensurately with a decrease in the percent of uncovered deposits. (3) It has been argued that reserve requirements are not needed for monetary control because banks will in any event hold some funds-either as, vault cash or with Reserve Banks for clearing and other purposes-and the ratios of these funds to deposits would provide the needed fulcrum for monetary control. However, ratios determined by individual banks, as opposed to fixed reserve requirements, result in a highly unstable and unpredictable average reserve requirement ratio. Shifts in deposits among banks with differing ratios would cause unpredictable "leakages" as at present. Moreover, the ratio at any given bank is likely to change in response to changing conditions, locally and nationally, or in response to changes in internal bank management. The resulting instability in the average reserve ratio for the banking system as a whole would seriously weaken the linkage between Federal Reserve policy actions and their effect on deposits. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 22 It has also been argued that, since monetary policy presently emphasizes the interest rate on Federal funds, rather than reserves, as its day-to-day operating guide, the need for reserve requirements is diminished. This argument neglects two important points. First, elimination of reserve requirements would effectively lock monetary policy into the use of interest rates as its operating guide and thus reduce the flexibility of the Federal Reserve to respond to changing economic and financial conditions. Second, this argument ignores the fact that the Federal Reserve influences the Federal funds rate by varying the available supply of reserves relative to bank demands for reserves; without any binding reserve requirements, our projection of banks needs for clearing balances and vault cash-that is, of their demands for reserves-would be extremely uncertain. (4) As a final point, the Federal Reserve has relied successfully upon changes in reserve requirement ratios as a policy tool in the past, both to affect domestic bank credit and to influence the structure of bank liabilities. Reserve ratio changes were used most recently, in the program announced November 1, 1978, to protect the international value of the dollar. While open market operations are now the chief control on the growth of the monetary aggregates, conditions could develop in the future-for instance, a less active market for U.S. Government securities in a period of reduced Federal budgetary deficits-when the flexibility to alter reserve requirement ratios could become an indispensable monetary policy option. That option is now restricted because of its impact on the burden borne by member banks. BIBLIOGRAPHY ON RESERVE REQUIREMENTS AND MONEY STOCK CoNTROL Benston, George J., "An Analysis and Evaluation of Alternative Reserve Requirement Plans", "Journal of Finance," XXIV (December, 1969), 849-870. - - - , "Federal Reserve Membership: Consequences, Costs, Benefits and Alternatives", Study, Trustees of the Banking Research Fund, Association of Reserve City Bankers, September, 1978. Burger, Albert E., "The Money Supply Process," Belmont, California: Wadsworth Publishing Company, 1971. Cacy, J. A., "Reserve Requirements and Monetary Control," "Review of the Federal Reserve Bank of Kansas City," May, 1976, 3-13. Friedman, Milton, "A Program for Monetary Stability," New York: Fordham University Press, 1960. Kaminow, Ira, "Required Reserve Ratios, Policy Instruments, and Money Stock Control", "Journal of Monetary Economics," 3 (October, 1977), 389-408. Kopecky, Kenneth J., "The Relationship between Reserve Ratios and the Monetary Aggregates under Reserves and Federal Funds Rate Operating Targets", "Staff Economic Studies," Board of Governors of the Federal Reserve System, December, 1978. - - - , "Nonmember Banks and Empirical Measures of the Variability of Reserves and Money: A Theoretical Appraisal", "Journal of Finance," XXXIII (March, 1978), 311-318. - - - , Richard D. Porter, and Darrel W. Parke, "The Effect of Interbank Deposit Flows on Monetary Control," Memorandum to Mr. Axilrod, Board of Governors of the Federal Reserve System, November, 1977. - - - , and Richard T. Froyen, "Reserve Requirements, Nonmember Banks, and Money Stock Control with a Variable Deposit Rate," unpublished paper, Division of Research and Statistics, Board of Governors of the Federal Reserve System, March, 1979. Poole, William, "A Proposal for Reforming Bank Reserve Requirements in the United States," "Journal of Money, Credit and Banking," VII (May, 1976), 137147. - - - , and Charles Lieberman, "Improving Monetary Control", "Brookings Papers on Economic Activitx," 2 (1972), 293-342. Starleaf, Dennis R., 'Nonmember Banks and Monetary Control", "Journal of Finance," XX'X (September, 1975), 955-975. THE EFFECT OF INTERBANK DEPOSIT FLOWS ON MONETARY CONTROL' This memo discusses the probable effects of (unexpected) deposit flows between member and nonmember banks on the Federal Reserve's ability to control the narrow money stock. The analysis is based on the deposit-multiplier model of the 'We wish to thank Daniel Laufenberg, David Lindsey, and David Pierce for their comments and Monica Friar for her assistance in preparing nonmember bank reserve data. ' https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 23 banking system and assumes that the Federal Reserve has a total reserves operating target. This model, which is the typical analytical structure used in studying the dual banking system, provides a theoretical analysis of the way in which nonmember banks are a source of error for monetary control purposes. With respect to the estimated size of the nonmember-monetary control effect, accurate direct information on the magnitude of interbank deposit flows is not presently available. A general impression of the most likely size of such interbank flows can, however, be obtained from an analysis, based on probability theory, of the public's check-writing and check-depositing behavior in the presence of a dual banking system. Given a 'best guess' for the size of the interbank deposit flow, the depositmultiplier model then determines the implied present-day deviation in the money stock from its targeted path. The analysis can also be used to predict the extent to which money stock misses would be affected by the attrition of member banks from the Federal Reserve System. Both the deposit-multiplier's solution for the money stock and the most likely size of the interbank deposit flow depend on the ratio of deposits at member banks to total deposits. This ratio declines as member banks leave the Federal Reserve System. Hence, the analysis indicates how continuing member bank attrition can be predicted to influence the Federal Reserve's ability to control the money stock. It should be noted that the analysis is not directed towards problems associated with the measurement of nonmember deposits. Such problems arise in connection with the determination of what the money stock actually is. Rather, this memo deals with problems relating to the prediction of the money stock for a given level of the total reserves operating target. Even if the nonmember measurement problem were satisfactorily resolved, the money stock prediction problem arising from the dual banking system would remain. NONMEMBER BANKS AND MONETARY CONTROL The nonmember bank source of monetary control error arises because of the existence of significant differences in the reserve requirements of member and nonmember banks. These differences in reserve requirements are due not so much to different required reserve ratios but rather to the types of reserve assets which nonmember banks can use to satisfy their reserve obligations as compared to member banks. The principal nonmember reserve assets are correspondent balances held at member banks and interest-bearing government securities. A model of the money supply process which incorporates the salient features of member and nonmember banks and provides analytical solutions for the narrow money stock (M,) is presented in Appendix I. Before showing precisely how the structure of nonmember reserve assets leads to pronounced differential reserve requirements, a brief example is necessary to illustrate the role played by reserve requirements in the presence of (unexpected) interbank deposit flows. Consider two member banks with hypothetical required reserve ratios against demand deposits of 0.1 and 0.2. If the public unexpectedly transfers $1 of deposits from the high reserve ratio bank to the low reserve ratio bank, the first bank loses $1 of reserves and experiences 80 cents of reserve pressure, while the second bank gains $1 of reserves and has 90 cents of excess reserves. Thus, for the banking system as a whole, 10 cents of excess reserves are created. If both banks exhibit similar portfolio behavior and if the money stock had been following its targeted path, the 10 cents of excess reserves will lead to an (unexpected) increase in the money stock above its targeted path as the banking system creates additional loans and deposits on the basis of positive excess reserves. Obviously, the closer are the interbank reserve requirement ratios, the smaller is the induced increase in the money stock arising from the unexpected interbank deposit flow. In the event that the two reserve ratios are identical, one bank's reserve pressure (and induced deposit contraction) matches the second bank's excess reserves (and induced deposit expansion) so that on net the money stock remains on its targeted path. Thus, identical reserve requirement ratios (theoretically) afford complete protection against unexpected interbank deposit flows. As a result, the Federal Reserve experiences no impairment whatsoever in its ability to control the money stock. Under a total reserves operating target, the relevant reserve ratio for monetary control purposes is that which ultimately connects a bank's deposit liabilities to the level of total bank reserves which the Federal Reserve predetermines in the short run. Member banks' required reserve ratios, of course, define the connection between their deposit liabilities and total reserves. For nonmember banks, however, two steps are involved in linking their deposit liabilities to total reserves. The first step is the nonmember required reserve ratio. The second step depends on the https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 24 relative amounts of nonmember reserves held in the form of correspondent balances and government securities. With respect to correspondent balances, the connection between nonmembers' deposit liabilities and total reserves is determined essentially by multiplying the nonmember required reserve ratio (which given total nonmember required reserves that are redeposited as correspondent balances at member banks) times the member required reserve ratio (which yields total member required reserves held against nonmember correspondent balances). For example, if member and nonmember required reserve ratios are identical and equal, say, .2, and if all nonmember reserves were held as correspondent balances, then $1 of demand deposits in a nonmember bank would be supported by only 4 cents (.2 x .2) of total reserves, an amount significantly smaller than the 20 cents of support given to $1 deposited in a member bank. Nonmember holdings of government securities as reserve assets create an even more disparate set of interbank reserve requirements since such nonmember reserve assets are- not tied at all to either member banks or the Federal Reserve. Hence, to the extent that nonmember banks hold government securities as reserve assets, nonmember deposit liabilities bear a zero connection to total reserves. Thus, what at first appears to be identical interbank reserve requirements (.2 required reserve ratios) turns out to be a widely divergent set of reserve requirements for monetary control purposes (.2 for members, .04 for nonmember correspondent balances, and 0 for nonmember government securities). Given these differential interbank reserve requirements, an unexpected public reallocation of deposits between member and nonmember banks can lead to a significant surge or contraction of the money stock in relation to its targeted path. UNEXPECTED INTERBANK DEPOSIT FLOWS Deposit flows between member and nonmember banks can be considered over weekly, monthly, or quarterly time intervals. To provide a focal point for analyzing short-run monetary control, this memo examines only monthly deposit flows. Some monthly deposit flows occur regularly; some do not. For example, part of the interbank flow of deposits may be due to seasonal factors, such as households with nonmember accounts paying N.Y. department stores with member accounts at Christmas. These deposit flows alter the total volume of nonmember reserves and, as a result, could affect the total money stock. But as long as the Federal Reserve can predict the magnitude of the interbank deposit flow, it can always change total bank reserves to offset any undesired effect of interbank flows on the money stock. In short, that component of interbank deposit flows which is predictable does not (at least theoretically) lead to monetary control difficulties for the Federal Reserve. The second component of interbank deposit flows is by definition random or unpredictable. This component arises for a wide variety of factors, all of which escape notice because they are either quite irregular or too small in magnitude. If sufficient data on nonmember banks were available, the data could be processed by different methods (e.g., regression, time series analysis, etc.) in order to determine as closely as possible the regular (predictable) patterns inherent in interbank deposit flows. The remaining part of the interbank deposit flows would be treated as random or unpredictable. This procedure would ultimately lead to an estimate of the standard deviation of the unexpected component of the interbank deposit flow. This estimate in turn could be used to establish a range for the unavoidable erratic behavior in the money stock induced by random interbank deposit flows. Unfortunately, complete data on nonmember banks 1 is available for only four statement weeks every year. These data are dispersed over time to permit an accurate determination of the standard deviation of the random component of interbank flows which would be relevant for monetary policy aimed at monthly control over the money stock. Given the lack of nonmember bank data, indirect estimates of the size of such flows can nonetheless be acquired from an elementary probability model which describes the essential characteristics of random interbank deposit flows. Since the final estimate of the standard deviation of the deposit flows depends on the probability distributions used, this approach captures only purely random behavior.• In short, the various economic factors which could explain the predictable component of the interbank deposit flows are by definition excluded 1 Nonmember bank data, made available with only a short-time lag, also permits the Federal Reserve to acquire information more quickly about the size of its actual prediction error on interbank deposit flows. Gjven such inforn_iation, the Federal ~serve would be able to respond faster to observed random mterbank deposit flows, thereby keepmg the money stock closer to its targeted path. • ~vailable 11/!'!(I'eg~te _info_rmation is used to pr<_>vide estJmates of some paramenters of the vanous probab1hty d1Stnbutions. Where aggregate mformation is not available, the most conserVC'tive parameter estimate is used. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 25 from the probability analysis. Of course, the structure of the economy in which these deposit flows occur is unquestionably more complicated than that specified in a relatively elementary probability model. This caveat simply means that the probability model provides only a skeletal outline of the sources of uncertainty in random interbank deposit flows. Hence, the reported estimates should be regarded as tentative. Appendix II presents a detailed description of the various assumptions employed in constructing the estimate of the standard deviation of random interbank deposit flows. Briefly, these assumptions deal with the probability of the following events taking place: (1) the deposit of a given check in a member or nonmember bank; and (2) the writing of a check by a particular individual; (3) the income level of the individual writing a given check. It is also assumed that the minimum check size is $10, and the maximum is $1 million. On the basis of most recent data, the estimated average check size is $1,049. Finally, of the total number of checks written per month, the proportion k (the ratio of deposits at member banks to total deposits) is assumed to be written on member bank accounts and (l-k) on nonmember accounts. On the basis of the above assumption, the standard deviation of the random deposit flow over one month, say, o-. can be directly related to k, the ratio of deposits at member banks to total deposits. Table 1 presents the value of one standard deviation of the deposit flow for alternative values of k. Notice that the standard deviation is largest ($640 million) when k= ½ and is also symmetric around k= ½. At the December 31, 1976 call date, k=.75. Corresponding to this value of k, the one standard deviation value for the random interbank deposit flow is $555 million, and the two standard deviations value is $1,110. Under the present member-nonmember composition of the banking system, therefore, it can be inferred from these estimates that in eight months out of the year the size of the random deposit flow between member and nonmember banks would be no larger than $555 million; and in about 11 ½ months such flows would be no large_r than $1,110 millions. TABLE !.-Standard deviation of random deposit fl,ows between member and nonmember banks (k) Proportion of deposits at member banks: .10 .................................................................................................................... . .20 .................................................................................................................... . .30 .................................................................................................................... . .40 .................................................................................................................... . .50 .................................................................................................................... . .60 .................................................................................................................... . .70 .................................................................................................................... . .80 .................................................................................................................... . .90 .................................................................................................................... . Millions 384.822 513.096 587.826 628.412 641.371 628.412 587.826 513.096 384.822 THE ESTIMATED MONTHLY ERROR IN M, DUE TO RANDOM INTERBANK DEPOSIT FWWS TABLE 2-PERCENTAGE ERRORS IN MONTHLY M, GROWTH RATES ASSOCIATED WITH STANDARD ERRORS OF THE RANDOM INTERBANK DEPOSIT FLOWS (Standard deviation of deposit flows) (in millions) k (Proportion of deposits at member banks): .1 ..................................................................................................... . .2 ..................................................................................................... . .3 ..................................................................................................... . .4 ..................................................................................................... . .5 ..................................................................................................... . .6 ..................................................................................................... . .7 ..................................................................................................... . .8 ..................................................................................................... . .9 ..................................................................................................... . https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 384.822 513.096 587.826 628.412 641.371 628.412 587.826 513.096 384.822 Percentage error 6.30 5.56 4.75 4.05 3.44 2.88 2.34 1.83 1.23 26 The (annualized) monthly percentage deviations of the money stock (M,) from a targeted level of $330 billion are estimated from the model of the banking system used in conjunction with the estimated standard deviation of the random interbank deposit flow. The M, percentage deviations corresponding to one standard deviation of the random deposit flow are presented in Table 2 for alternative values of k. At the present-day value of K (.75), the corresponding monthy M, growth rate error is approximately 2.1 percent. Previous research suggests that under a total reserves operating target, the monthly M, growth rate error, attributed to all potential sources of random behavior, is approximately 3 7.1 percent. For comparable presentday values of k, therefore, the estimated M, growth rate error (2.1 percent) due solely to random interbank flows lies within the above total M, growth rate error range. This internal consistency of the two M, growth rate errors raises the credibility of the simulation procedures used in this memo. The monetary control implications of continuing member bank attrition follow immediately from inspection of Table 2. If k were to fall from its present-day value of .75 to, say 0.4, the range of the monthly percentage money growth rate error for two-thirds of the months would almost double from 2.1 percent to 4.05 percent. In fact, for 95 percent of the months, the percentage error would lie between plus or minus 7.93 percent. Two factors explain this predicted increase in the money growth rate error. First, as k falls from 0.75 to 0.4, the standard deviation of the random deposit flow rises by about $75 million. Second, and more importantly, the average required reserve ratios for the aggregate banking system falls as k declines to 0.4. Essentially, this decrease in the average reserve ratio occurs because deposit dollars at nonmember banks bear a smaller connection to the Fed's total reserves than do deposit dollars at member banks. Since a decline in k makes nonmembers relatively more important in the aggregate than members, the average effective reserve ratio becomes increasingly dominated by the reserve ratios and reserve asset structure of nonmember banks. To illustrate this point more clearly, notice that for k=.9 and k=.l the standard error of the deposit flow is the same; but the percentage error is 1.2 percent at k=.9 and 6.30 percent at k=.l. In conclusion, this memo has presented models of the aggregate banking system and the public's check-writing and check-depositing behavior to determine the monetary control effects of random deposit flows between member and nonmember banks. The reported money growth rate errors tentatively suggest that under a total reserves operating target such random interbank flows presently lead to a significant impairment in the Federal Reserve's ability to achieve its desired short-run monetary growth objectives. The results also strongly indicate that the deterioration in monetary control would become progressively more serious as k continues to fall via member bank attrition from the Federal Reserve System.• 'This estimate is derived from the Staff Report, "Analysis of the Impact of Lagged Reserve Accounting," October 6, 1977. • It should be noted that this result does not hold for all values of k less than .1. If Table 2 were extended to show values of k Jess than .1, the percentage error would continue to increase and would _reach a m~in_mm value of 6.38 percent at k = .079. Thereafter, the percentage error would declme. In the hm1t as k approaches zero, the percentage error also approaches zero. This result occurs because at small values of k the variance of the random interbank deposit flow falls at an increasing rate, while the denominator of the multiplier solution for M, declines linearly. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 27 Tco: M1·. i\xi lrod i\PPENDIX I A Model of Lhe Banking System The model is an extension of the standard deposit multiplier. model and describes the behavior of four transactors dealing in five financial instruments, The transactors are the public (P), the Federal Reserve (F), member banks (M), and nonmember banks (NM). The financial instruments i.nclude demand deposits (D), time deposits (T), currency (C), government securities (G), and reserves (R). To keep track of th~ asset-liability status of each financial instrument, a superscript denotes an asset and a s11bscript a liability. The model also assumes that the Federal Reserve ha• a total reserves operating target. Lhc variable c 0 M is used to denote a r;,ndpm alloca- Finally, tion of the public's demand deposits between member am! nonc1cmbcr b:tnks. The equations of the model are as follows: p p (1) DP DM + DNM public's total demand deposits (2) Tp TOP public's demand for time deposits (3) cP µDP public I s demand for currency (4) DM (5) lM F p = k DP+ k Tp 44-240 0 - 79 - 3 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis £ OM public I s allocation of demand deposits public's allocation of time deposits 28 T(\: :Ir. ,\xilr1,d ·?M + (6) Tp (7) D!·1 (8) R (9) DNf! p DNM (10) RNM 0 NM (11) Rt-ct (12) GNM T I' public's totnl time deposits Nr-1 p Df-<11 D1·1 + M composition of members' demand deposits DMD DM + PMT Tp M composition of nonmembers + GNM D~IM + "1 I dem,md deposits composition of nonmembers' reserves M "o supply ,md demand for members' reserves p T N:-1 <YRN:•1 nonmembers' demand for reserves nnnmcmhcrs' demand for government sccuri tics Equations (1)-(6) describe the behavior of the public. The time deposit and currency equations, (2) and (3), follow the standard prescription by making the public's demand for earh asset proporti0nal to the public's holdings of clcmand de.posits. With resp0ct to the alll,cation of the public's demand deposits between m~mbcr and nonmember banks, we assume proportionality on average to total demand deposits so that on average k of demand deposits is allocated to members and 1-k to nonmembers. The sal'le proportionality factor, k, is assumC'd to hold for the public's allocation of time deposits between member and nonmember banks. Equations (7)-(8) refer to member bnnks and the Federal Reserve. i represents the predeter~incd level of the Federal Reserve's total reserve operating target. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis The correspondent-type balances 29 T<>: Mr. Axi lrnd held hy nonmembers at members are capt11red in (7). The required reserve ratios against demand and time deposits are pMD and pMT' respectively. The key feature in the model is the link which connects nonmember banks to the federal Reserve. As (7) and (8) sh0w, the link is established essentially because member banks must hold reserves against a liability, D~M• that also serves as a nonmember reserve asset. The behavior of nonmember banks is described by equations (9)-(12). Nonmembers' required reserve ratios against demand and time deposits are XD and X1 , respectively. Equation (10) shows that nonmembers have the option of holding demand deposits at member banks and °government F:ccuritics as reserve nssets. The relativC' amounts of each asset which can satisfy nonmember reserve requirements vary state by state according ,to the regulations issued by the different state hanking cor.imissions. For simplicity, it is assumed that Lhc aggregate proportions of nonmel'1her reserves in the form of government securities is '.l'. This assumption implies that the proportion of nonmember reserves held as co,rrespondcnt balances at member banks is 1-a. , The model's solution for M1 is (13) ~ DEN ( l + µ) t DM p ~ID ( l - ( l - '.l') AD] DEN where DEN purposes, the follo\o.'ing values for the model's parameters, bas~d on https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 30 ,1vcr;:1ges nf thr mctsr: rcccnlly avniL1blc data, were used: i) l• .35 I i) T 2. )I, iii) p~!D . 127 iv) PMT .033 v) ).D .113 vi) "r .044 vii) a = .35 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 31 T0: Mr. Axilrn<l APPENDIX II The Stnndnrd Deviation of Random Interbank Deposit Flows Assumptions The analysis is based on the following assumptions: (Al) Binomial (Independence) Assumption Let k denote the underlying average ratio of member bank private demand deposits to total private demand deposits. It is ~ssumcd that the prob ob ii ity that a given check wi 11 be deposited in a member ·bank ts equal to k and that if it is not deposited at a member bank, it is deposited in a nonmember bank with the complementary probability of 1 - k. It is also assumed that the check movements nrc indcpcndc11t fr0m one check to lhe next. Thus, the number of cliccks deposited at member or nonmember banks follows binomial distribution with parameter k. ,1 If, for example, 10 checks are written on some account per month, the expected number of checks deposited at member banks that are drawn on tl1is account equals lOk with standard deviation .j lOk(l - k) , https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 32 T0: ~fr, Axilro<l Table 3 displays values of this standard deviation for alternative values ,,f k, the underlying proportion of member demand deposits to total demand deposits. TABLE 3 STANDARD DE\'IATlllN OF CHECKS llEl'OSIWD AT rn:MBER BANKS PER MONTH GI VEN 10 CHECKS PER MONTH k Standard Deviation of the Number of Checks De ositecl at Member Banks I 0 .9 .8 .7 .6 .5 .4 .3 .2 .1 .95 1.26 1.45 1.55 1.58 1.55 1.45 1.26 .95 .0 0 As would be expected, the uncertainty concerning check flows is largest when nonmembers rival members exactly, thnt is, when k= .5; the variance falls off symmetrically above and below this value. (A2) Independence Across Depositors Suppose the ,;equenc<l of checks wrHten in a given month on member bank accounts is arrayed in some order: the second check, and so forth until the last check, the number of depositors '1L member banks, the first check, Let Nm be Th<' checks may be viewed as a sequence of independent trials for each of which the probahility that the check was written by any particular one of the Nm depositors https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 33 is 1/:,n. SimiLnly, it is assumed th;it fur nonmember banks it is equally likely th,1t each depositor wrote any check in the sequence of checks written on nonmember accounts in a given month. (A3) The size of encl, check written by an individual is a function of the individual's income.2/ (A4) ·The aggregntc distribution of income in the e~onomy is assumed to follow a truncated Pareto distribution~/ with minimum income level, y0 , and mnximum income level, y 1 , TI,e Pareto distribution hns often been used to represent the distribution of incomes in an economy and l1as several convenient features for our purposes. As a conscqt1ence of this assumption, it follows that the size distribution of checks in the economv also follows a Pareto distribution. This result follows from A3 and A4 using Lhe property of Pareto distributions that transformations of vari1bles of the form (1) (see footnote 5 below) also have a Pareto distribution. (AS) The total number of checks written per month equals 2.975 billion. Of this number, the proportion k are assumed to be written on member bank accounts and (1 - k) on nonmember accounts . .. This total estimate was derived by taking demand deposits (excluding U.S. government and domestic interbank) at the last JI More spcclflcally, if y is income, any fonctlon of the form (1) T = by 0 ~ > 0, b > 0 , where T = check size, will work. !:_/ The truncated Pareto distribution is described on page 20. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 34 available call dole (Oeccmbcr 31, 1976) and applying check volume estimates froM FDIC surveys of 10 milllcm checks per month per l billion of deposits.]/ For that call date membPr bank deposits nonmember bank deposits total $223.307 billion 74.212 billion $297.519 billion or 10 million 1 billion 297.519 billion x yields the figure of 2.975 billion checks per month. (A6) The average check size equals total monthly debits against demand deposits divided by the number of checks per mc,nth, IL y il,__!19,780 million 2 , 9 7 5 mi 11 ion §/ $1,049 i.e., the average check size is $1,049. (A7) It is assumed that the minimum check size in the economy is $10 and the maximum check is $1 million. Based on this assumption, the standard deviation of the Pareto distribution of check size, 9/ say, cry equals $16,613.- JI 11,e FDIC estimates for 1973 were 10.8 million checks per month per 1 billion deposits, Inflation should tend to reduce the number of checks relative to deposits, so this slightly smaller rate was chosen, j/ Estimates for July, 1977 from the new national sample of debits. ~/ This calculation is discussed on page 21. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 35 1\1: Mr. Axilrod The Standard Deviation of Deposit Flows Given Al-A7, the standard deviation of the random deposit 10/ flow between member nnJ nonmember banks equals - a 7. =J wheren the number of checks per month k proportion of total demand deposits at member banks µy average size of check written ay standard deviation of check size distribution. At the December 31, 1976 call date k= .75, and substituting this and the other values into the above cxpressi0n yields a 2 (givenk=.75) 2.975 X 10 9 X .75 X .25[1,Q.'..9 2 +2 X 16,61/] $555 million. Properties of the Truncated Pareto Distribution Let y be a random variable that is distributed as truncate4 P,neto with lower limit y 0 and upper limit y 1 . The density function of y is 10/ The derivation of this result is presented on pages 22-24, https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 36 y f(yJ 1 -C~) s 0 ~ ~ - ~+l y The mean of y is (15) y y P-1 r ;l E[y] 0 1 <l-1 1 The second moment of y is (16) . and the vc1r1ance, (17) 2 oy tJ 2 y, cqll.Jls f.[y-E(y)] 2 Given values for y 0 and y 1 and E(Y/, equation (15) can be solved to obtain values for~- The implied values of~ and o Table 4 for alternative values of y 1 given y 0 = $10 y are listed in and E(y) = $1,049. TABLE 4 y 1 (Upper Limit) ~ (Pareto P.1rameter) O y (Standard Devi;ition of Check Size) $1 million $100 million .M7 .792 $ 16,616 $136,870 $1 . 8316 $397,887 billion https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 37 'l'o: Mr. i\:<l l r,,d Derivolion of a z Let n be the totol number of checks written per month. Let n m and n n denote the number of checks written on member ond nonmember bank accounts. n m nn Let z mn In view of assumption (AS), kn ( 1 - k) n be the dollar amount of checks written on member accounts which are deposited at nonmember banks and znm be the dollar amount of checks writ ten on nonmember accounts which are d<'posite<l _at member banks. The random variable, z z = z - z mn rnn represents the "net" outflow of deposits from mcrahcr to nonmember bonks. The variablP, z, t.:ikcs on huth positive 0ncl negative v.:ilucs depending on the r,'lati.ve magnitudes of zmn and znm" n (18) z mn Now m 2, i=l x. Yi l i th check goes to member bank i th check goes to nonmember bank size of i th check Since xi and yi arc assumed to be independent and identically distributed for all i--sec (Al) and (A2)--the variance of z mn https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 38 11 a 2 1 i=l nm 11 where m l.: m var(x. Yi) l µ E(xy X IL y i2 x denotes an ~rbitrary x 1 y denotes an orbitrary Yi and Furthennore, (19) E[xy - l'x 1.c,,,1 2 = E[xy - '\Y +µxy-f'x µYJ 2 E(xy-lL y / + E(µ y-µ ,,. )'l. + 2 E(xy-µY)(µxy-µxp.y) X X xy )( 2 2 2 2 E(y P x + µx cry c/y + ,,2)02 + y X ,,2 X a2 y Thus, (20) a 2 z a2 n [/ myx mn a2 2 a2J + / xy + ax y . Since x satisfies 2 ax= k(l-k) (20) is rcploced hy (21) a 2 z mn https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis = n [ / k(l-k) m y + (1-k/ cr2y + k(l-k)cr 2 ] . y 39 To: Mr. Axilrod By a symmetric argument (22) Hence, (23) 02 = 02 z z + o2 znm mn = kn[µ 2 k(l - k) + (1 - k) 2 o 2 + k(l - k)o 2 ) y y y + (1. - k)n[iy k(l - k) + k 2o 2 + k(l - k)a2) y y .. n / y k(l - k) + 2n k(l - k)a2 y = nk(l - k) ~! + 20!] which corresponds to the expression for oz on page 21. Senator MORGAN. One other question, Mr. Miller. You mentioned if thrifts are going to move into transactional types accounts then perhaps we should move toward putting them on the same basis as banks. Would you elaborate on that a little? Mr. MILLER. Certainly under a system where thrifts have been specialized institutions-have had certain advantages and certain limitations-it made sense not to regard them as banks and not to treat them as banks under banking laws. But as the volatility and cyclicality of housing, and the difficulty of earnings diversification, has continued to put pressure on thrifts from time to time, and as thrift institutions have sought to diversify their activities, they have increasingly begun activities-including offering the equivalent of demand or checking deposits-which were previously limited to banks. As that happened, they became to some extent nearbanks, more and more like banks. And as they become more and more like banks, to that extent, it would seem logical, if we are going to have an equitable system of competition, that they should be treated the same as banks with respect to those activities. Of course, my view is that it doesn't make sense in today's world-no matter what sense it may have made in 1913-to subject some banks to a tax, not subject others, and treat other kinds of institutions-that are beginning to behave like banks-entirely different. It just isn't a good competitive environment. You should have everybody in the race handicapped the same way and let the best innovator, best provider of service, win. What we are doing now is creating niches of preferential advantage, and this erodes the capacity of the central bank to respond in these complex times to the needs of the Nation. Senator MORGAN. Would it be your thought that thrifts that move into transactional accounts maybe should be subject to the https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 40 same regulations as banks only in those areas-say only in the transactional accounts or in all of them? Mr. MILLER. It seems to me just in those areas. As to reserve requirements, certainly we're proposing them only as to transactional accounts. We are not suggesting reserves on the savings accounts of thrifts which were designed for another function. Senator MORGAN. Well, isn't that somewhat like giving them their cake and letting them eat it too? Mr. MILLER. It may be, but there is already a buildup of hundreds of billions of dollars of savings· in that category. To try to suddenly change the ground rules at this late date is, I think, harsher than necessary. As I say, the ideal system would have all the depository institutions totally on the same basis. But we did create policies in this country for specialized institutions that serve specialized functions. Now they're becoming more generalized and, as they become more generalized, I think we have to begin to at least set common ground rules where common interests exist. I'm not prepared to say that we should try to disturb other functions that have served the country well for a long time. Certainly we have provided better housing for more people in this country than any other country. Senator MORGAN. Well, I agree with you and that's really what concerns me. It concerns me that the more they move into the banking area, the less likely Congress is to extend these special benefits that we have enjoyed-and I say we because I'm a great promoter of thrift institutions. Mr. MILLER. You perhaps take the view that they should be limited to continuing specialized institutions. But they, themselves, are being aggressive in pointing out that, with the cyclicality we have seen in housing and the need for nondepository sources of funds for housing in today's world, they want additional powers and additional authority; and they themselves are gaining it. NOW accounts, as you know, came about not because someone decided to grant more power to thrifts, but because thrifts invented a new form of payments mechanism. They established their right in court and they created checking accounts under State laws, not Federal laws. And the first thing you know they are behaving like banks. Senator MORGAN. Well, that's really what concerns me because, as you stated earlier, I think we have had the finest system of financing homes of any country in the world and it's probably meant more to home ownership in this country and I just have among my constituents a strong feeling that as they move more and more toward banks they should be treated more and more like banks, and as that becomes true they are going to be thrown into competition for money to the extent they are going to need to move from home financing to consumer financing and you're going to destroy the finest system of home financing. Mr. MILLER. I hope we don't do that. Senator MORGAN. I hope we don't either, and that's why I have opposed NOW accounts since the first time I sat on this committee. I think, Mr. Chairman, that that's probably all I have. I have nothing else. The CHAIRMAN. Senator Tower. Senator TOWER. Thank you, Mr. Chairman. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 41 You know a lot of the questions that have been raised and the problems that have been underlined in this discussion follow along with some of the questions raised by Senator Morgan, and I think they are indicative of the difficulty and frustration that confront us in trying to consider this problem out of context with overall, comprehensive financial institutions reform, and we are going to have to discipline ourselves I think at some point, Mr. Chairman, to consider comprehensive financial institutions reform which, of course, we did about 3 years ago. We passed a bill which died in the House. Times have changed since then. The basis on which we considered that legislation and acted on it has changed, but I think we should proceed at some point in this Congress I hope to consider comprehensive financial institutions reform because it's very difficult to take this and lift it out of context and deal with it piecemeal as we have dealt with other matters piecemeal, and I would hope at some point we would do that. The question Senator Morgan raises, raises a lot of "ifs." If we move through subsequent legislation to transaction accounts for thrift institutions, if we enact, for example, NOW account legislation that would authorize them all over the country, then we have to come back and change the rules again. And so I hope that we will address ourselves to this and I don't want to get on the soapbox about it, but I can remember that our old friend Tom McIntyre put in a lot of effort on this and was very-although I disagreed with him on a lot of the details, I think his approach was right and I hope that we discipline ourselves to do that at some point in this Congress. Of course, this committee actually did approve the payment of interest on reserve requirements in the NOW account legislation that we passed here-when was it-a year or so ago, and so it's not something new. If you're going to talk about the precedent; of paying interest on reserve requirements that's not precedented. It has been advocated in the past and in fact the voluntary system has been with us for some time and what we are doing is setting a new precedent; if we adopt this legislation it requires mandatory membership. So that's a departure from the precedent or established way of doing business. You know I have some sympathy with comprehensive financial institution reform legislation and I wouldn't even want to consider this problem were it not for the urgency of it, and I agree with Chairman Miller that it is a matter of some urgency that we must deal with, and he's been very persuasive and I think he's bent over backwards to try to accommodate all legitimate concerns and I want to commend him for that, but the Fed has actually supported the payment of interest on reserves as a means of solving this problem or alleviating the problem in the past. So I'd like to ask the question: Does the Fed not now believe that this approach would solve or alleviate the problem? Mr. MILLER. Senator Tower, you recall that when we made our proposal last year we felt, despite the recommendations that were made by the study commissions over the years, that it was not time nor was there consensus for moving toward mandatory reserve requirements. We proposed, at that time, that we merely reduce https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 42 the burden through a combination of lower reserve requirements and paying interest on reserves, within budgetary limitations. However, it is a consistent Federal Reserve position to favor universal reserve requirements. We support this effort to make a landmark decision on the more universal, uniform system, with all of its benefits and equity. And, in the process of supporting that, we definitely support the concept of an earnings participation account that would bear interest, in order both to give greater coverage and not to impact bank earnings. It's a question of how to propose paying interest so that it's acceptable and affordable. As l say, we are not doctrinaire, but we do feel that it's important that the problem be solved. This is a critical time and requires landmark legislation. I'm aware that this committee voted 13 to 2 to approve the concept of paying interest on reserves, so we didn't feel any embarrassment in proposing it last year and we don't this year. Senator TOWER. Mr. Chairman, a great deal has been said about the impact on the Treasury of paying interest on reserve requirements. I think too often we, in legislation in this body, think only in terms of what the impact on the Treasury is or what the cost to the Government will be and not enough in terms of what the economic impact will be beyond that, and I wonder what consideration has been given in making this proposal not just to the impact on the Treasury, for example, of paying interest on reserve requirements, but what the ultimate economic impact may be. We can't just consider the welfare of the Treasury here. We have to consider the welfare of the entire economy of the United States. We have to consider, for example, that this country is facing up to a capital formation crisis which I think everybody is in agreement on. Mr. MILLER. I certainly concur. As I indicated, the proposals we have made-even the modification we have proposed-has a shortterm impact on the cost to the Treasury, because we perceived this to be a constraint that had been already recognized by Congress in past efforts. For both NOW account legislation and payment of interest on reserve parameters have been laid out. The proposal we have made, Senator Tower, would, by 1984, actually result in a slight gain to the Treasury. So we are not really making a proposal that would impact the Treasury. I suppose one could make the argument-if the issue is as urgent as I feel it is-that we could go further toward reducing this form of taxation. If we do a good job on monetary policy in the next 5 years, and reduce inflation in this country, that will be more valuable to this country than any amounts of money we are talking about here. Senator TOWER. I agree. Thank you very much, Mr. Chairman. The CHAIRMAN. Senator Stewart. Senator STEWART. I just have a few questions. Is the basic thrust of your proposal here and the proposals that have been made by other members of this committee to attract a greater number of members in the Reserve System and thereby affect monetary policy? Is that the basic thrust of it? Mr. MILLER. Not quite, Senator Stewart. We are looking to assure that the reserves maintained with the Federal Reserveeither in nonearning or earning form-are sufficient to give us the certainty we need in implementing monetary policy. We do not https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 43 seek to expand the membership. We merely seek to stabilize and expand deposit coverage, which could come from nonmember deposits. We are not seeking more banks for Fed membership. We have no desire to do that, if the problem can be solved and we can get the monetary base with which to operate by their being nonmembers. Senator STEWART. Well, let me rephrase the question then. You say these reserves-I thought I understood the first few pages of your policy statement or your statement here this morning-that this increase in reserves which you would have available to you would enable you to better direct monetary policy. Are you not saying that or are you saying that? Mr. MILLER. Senator, would you please flip to page 17, which might be helpful. We are, in all the proposals, seeking a reduction of reserve requirements; so we are not seeking higher amounts of reserves. In fact, we are proposing a $12.2 billion reduction in reserves. While we would actually reduce the amount, they would apply universally, for a surer fulcrum. Senator STEWART. It would apply to more banks? Mr. MILLER. There are 232 banks who now do not hold nonearning reserves with the Federal Reserve who would be required to do so; many thousands who now do wouldn't be required to. But what we would gain is more monetary control. Senator STEWART. Over those banks and thereby more control over what? Mr. MILLER. There would be no different regulatory base at all, merely greater monetary policy predictability. In the first place, there would be greater equity, because all banks would be subject to the same handicap. From the monetary policy point of view, there would be several advantages. One is greater predictability of how much pressure you put on through monetary restraint, because you would know the outcome with greater certainty. Senator STEWART. Let me followup right there. In line with that, what do you actually use to influence monetary policy? Have reserves played that important a part or, as your statement indicates on page 3, has the use of the open market operations of the U.S. Government securities been your basic weapon as far as that is concerned? Mr. MILLER. We generally have conducted monetary policy more through open market operations. The second point as to improving monetary policy under this proposal is that we would have more flexibility to use reserve requirement changes because we wouldn't have to worry about the effect on membership. If we decided to increase reserves by 1 percent or lower them by 1 percent, again, it would be for monetary policy purposes and it wouldn't exacerbate the membership problem. Senator STEWART. Are you saying by that last statement there that if you had more member banks, then you would fall back on the reserves policy rather than the use of the open market? Is that why you got into that to begin with? Mr. MILLER. If we have greater coverage of deposits, we have greater flexibility than we now have to use reserve requirement changes in monetary policy. 44-240 0 • 79 - 4 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 44 Senator STEWART. That wasn't the question I asked. The question I asked was are you saying by having more member banks involved that you would have that tool available to you and it would be a better tool to use than the open market policy? Mr. MILLER. Yes; but I'm trying to say, Senator Stewart, that we're not trying to change the number of member banks. Senator STEWART. I understand that. Mr. MILLER. There wouldn't be more member banks involved; there would just be more total deposits covered, some of those nonmembers. You see, there are four reasons from a monetary policy point of view that we think the proposal has merit. One is greater certainty in predicting the results of monetary action because of the higher percent of deposits covered. The second is because we wouldn't have to worry-Senator STEWART. Let's get that down in lay language so I can understand it. You've got more money under your control at that particular point in time? Mr. MILLER. No; let me go through it simply. Today a deposit may be made at a member bank, and some of that money must be deposited as reserves with the Federal Reserve. The rest of it will be re-deposited through the banking system. If that deposit is made at a nonmember bank, there is no requirement for reserves to be held at the Federal Reserve. If the deposit moves from a member to a nonmember bank, there is a shift-from a reserve being required to no reserve. If it moves from a small bank to a large bank, reserve requirements also change. All of that makes for sloppiness in relating reserve requirements and the actual growth of the money supply. As the deposit moves around, it creates for the Federal Reserve a very unpredictable increase or decrease in reserve requirements and in turn a very unpredictable effect on the money supply. We cannot measure what's going on when deposits shift unpredictably. But, under our proposal a deposit going to any bank would require the same reserves and we would know exactly the amount of reserves involved. Senator STEWART. It would give you better capability in setting monetary policy? Mr. MILLER. Yes, sir. Senator STEWART. Now my question would be how would you set that? Mr. MILLER. First, we would still be able to operate monetary policy through the open market. Senator STEWART. You would use the open market? Mr. MILLER. We would still do that. But the second point is that now the Federal Reserve is reluctant to use a change in reserve requirements as one of its monetary policy tools because this tends to affect the membership problem. Therefore, a uniform system will improve our flexibility to use reserve requirements; the water will go up and down the same for everyone; we won't just raise the burden for members. Senator STEWART. Are you telling me, then, why you went to the open market policy was because in fact if you used the reserves you would lose membership or that it was not an effective way to have https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 45 some kind of positive effect on monetary policy? What was the reason? Why did you go to that? Mr. MILLER. The development of the open market operations has a long history and they would continue to be a critical element in monetary policy for injecting reserves or withdrawing them from the banking system. We would not want to give that up. Now this may be confused with the question of whether the Federal Open Market Committee, in order to effect a certain money supply level, does so by trying to influence interest rates or by addressing the monetary aggregates. Now that is a different issue from the one I was talking about of changing reserve requirements. The first issue involves how you operate the open market desk, the technique you use, and the interaction of cost and supply. You can say, "We will control money by making it more expensive or cheaper," or you can say, "We will control money by working on the amount of it which will determine whether it's expensive or cheap." Quite often this is mixed up with my second point, which is that regardless of how the technique, the ability to conduct monetary policy and to influence the direction of deposit growth can be improved by reserve requirement flexibility. For example, by reducing reserve requirements on time deposits you might influence more deposits to go into time deposits and thereby create a better maturity base, less short-term money. Reserve requirement flexibility could be improved if there was a more uniform system. There are other reasons for this approach which relate to making sure that all institutions have access to the Federal Reserve window; that is, have the capacity to borrow from the Fed for adjustment purposes. If more institutions had that capacity they would be protected better in times of liquidity difficulties, members and nonmembers. They would have the right to borrow whether they were members or nonmembers under our proposal, and that would be a gain. Senator STEWART. My time has expired, but I have one other question. There was a page missing here in my part of the explanation of the legislation, page 10. I thought maybe the junior Members of the Senate were not supposed to have an explanation of that, and then I found out Senator Morgan didn't have it either. Page 12 is also missing. Mr. MILLER. We are obviously not doing a good job of putting our testimony together. We'll get you another copy right away. Senator STEWART. If it's an explanation of Senator Proxmire's bills, I certainly want it. Mr. MILLER. That's very critical; I'm sure Senator Proxmire would want you to have it, too. The CHAIRMAN. Yes, even if it comes from the Federal Reserve. Mr. MILLER. I apologize for that. The CHAIRMAN. Senator Tsongas. Senator TsoNGAS. Mr. Chairman, I had some thoughts which may have already been covered and I don't want to delay this by repeating. The CHAIRMAN. Go ahead. I've got some more questions. Senator TsoNGAS. I just hesitate to go through the same questions that you may already have answered. The CHAIRMAN. Why don't you say what they are. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 46 Senator TsoNGAS. One of my concerns was with regard to the approach and I guess you go into it in your testimony, as to why don't we simply mandate the approach to membership, given the fact that nonmember banks in essence have all of the advantages and none of the disadvantages of member banks? Why not simply put on a particular floor and anybody can qualify under any circumstances? Mr. MILLER. I'm not sure I understood that proposal-Senator TsoNGAS. Any bank above a certain deposit level would have to be a member of the Federal Reserve. Mr. MILLER. What's been proposed by Senator Proxmire in S. 84 is that any bank with deposits above a certain level would be subject to reserve requirements, but that bank would not have to become a member and put up capital-which is an additional requirement-and would not become subject to examination by the Federal Reserve. So a larger institution could remain a State bank, still work with the State supervisor, and yet be required to place reserves with the Fed. Under our modified proposal, 232 nonmember banks, would be required to maintain reserves; under Senator Proxmire's proposal, 280 nonmember banks would be required to. Ours reduces that number to 232. Page 20 compares the number of institutions covered. What we have been trying to do, to get an even handicap and equitable treatment is to require reserves for those who have deposits over $50 million; they would not be required to become members of the Federal Reserve System. Senator TsoNGAS. Let me ask you this. I often have the commercial banks in Massachusetts argue with me that their position relative to the thrifts has deteriorated and they therefore would like to see a semioligopoly system. Since we are talking about a kind of restructuring of the system, has that been given some thought? New England has, of course, with the NOW accounts and so forth-diminishing distinctions between the various kinds of institutions. You evolve to the point where they all pretty much get involved with the same kind of opportunities, the same services, the same capacity to engage in transactions. Of course, Regulation Q would necessarily be part of the situation. Mr. MILLER. Yes. Senator Proxmire's bill would cover transaction accounts of thrift institutions. To the extent these institutions act like traditional thrifts, they won't be covered; to the extent they get into transaction accounts, they would be covered. We have included that concept in our suggested modification, so that 48 thrift institutions would be covered by our proposal. None of them would be required to maintain sterile reserves at the moment; because they are not big enough, but if they continue to grow so that they become real competitors of banks, then they would have-on transaction accounts only-the same reserve requirement as banks. This would make a fair competitive environment. Certainly one of the reasons we have favored the coverage of thrifts is that, if they do grow and become more like banks in providing checking and NOW accounts, it would make sense that they have the same handicap. Senator TsoNGAS. Which banking organizations or groups have endorsed your proposal? I hesitate to ask. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 47 Mr. MILLER. We don't know about all of them yet because they are still formulating their opinions. The American Bar Association leadership group met recently and endorsed many features of this bill. Senator TsoNGAS. The American Banking Association? Mr. MILLER. American Bankers Association. Senator TsoNGAS. Sometimes it's indistinguishable. The CHAIRMAN. You said American Bar Association. Mr. MILLER. American Banking Association, excuse me. ABA, the same initials as the Bar Association but I meant American Bankers Association. They did not endorse extending reserve requirements to nonmembers or to thrifts; they preferred a voluntary system. The Independent Bankers Association of America will be meeting next month. Last year, they endorsed a proposal of Senator Proxmire's that was similar to S. 85, but we don't know whether they will change position this year. Senator TsoNGAS. I would suspect that their concern over the increasing nonmembership and control of the Fed is less than yours would be. Mr. MILLER. My concern? My concern is a very intense one. I think if we continue to have attrition of membership, we will have the worst of all possible worlds, because we will have more and more uncertainty in monetary policy. We have greater and greater inequity as fewer and fewer banks share the burden of membership. Senator TsoNGAS. Is that perceived out in the banking community generally? Mr. MILLER. Yes. I have been reminded that the IBAA endorsed the Reuss proposal in the House; I don't know if they took a position on Senator Proxmire's proposal last year. I'm sorry. I was mixed up on that. Yes, it's perceived as a serious problem and it's one that's been building for 4 or 5 years. It's been talked about until recently as the membership problem, but I don't think the problem is membership. I don't think it makes as much difference to the good of this Nation whether banks are members of the Federal Reserve as much as whether the central bank is set up to serve and deal with and monitor reserves for the whole Nation. That's why this proposal does not require membership; it requires all banks of a certain size to maintain comparable reserve requirements so that we can execute monetary policy with greater certainty. We are not seeking to change the dual banking system or to expand the membership. We are seeking to solve what we think is a national problem of great importance, that of assuring a sounder monetary policy, a more equitable banking system, fairer competition; we are seeking to do so at a time when thrift institutions are expanding some of their bank-like functions. Now is the time to lay down the ground rules so that everybody knows there will be an equal competitive arrangement and not preferred treatment. Otherwise, we re just going to face the problem later when it's more intense. Senator TsoNGAS. Do you see any regional differences in views on this issue? Mr. MILLER. Yes. Of course, New England has already been impacted by the NOW account-and New York is now being im https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 48 pacted-and the burdens of membership have become so intense in the face of this competition that we have had an enormous loss of membership. The major banks realize this attrition of membership does weaken the monetary system and does, in fact, erode the capacity of many banks to compete equally. In other parts of the country, with unit banking or other forms of banking or where S. & L.'s or thrifts haven't developed as much, there's less of that attitude. In the banking community at large, I think there's a pervasive recognition of the problem and of the need to address it either by reducing the burden of membershipto the point where membership no longer is unattractive-or by leveling the playing field so everybody has the same ground rules in carrying out the same functions. Senator TsoNGAS. It's going to be an interesting bill to watch wend its way through Congress. Mr. MILLER. It's going to be interesting for me to watch it. The CHAIRMAN. Mr. Chairman, one way your mere existence of reserve requirements should be helpful in the conduct of monetary policy is that the banks know they must meet a given cash requirement; they know they have to have a certain reserve. I assume that's the reason why the Board argues that a broad deposit base is needed, but how important is the level of reserve requirements? Isn't it true that the lower the reserve requirement ratio on transaction accounts, the greater the reserve multiplier and therefore doesn't that also mean the effect of any reserve shock or mistake by the Open Market Desk would have relatively less adverse impact on monetary control if the level of reserve requirement is higher? Mr. MILLER. That's correct. The CHAIRMAN. Therefore, the S. 85 bill before the Federal Reserve modified it has a higher reserve requirement and therefore would have a monetary policy that was firmer and more precise, would it not? Mr. MILLER. I think it would have a lower multiplier effect. We can manage with a higher multiplier as long as it's a certain one as well. But your point is well taken that under your proposal there would be a lower multiplier effect. The CHAIRMAN. Let me suggest a compromise. According to some very preliminary data that's been developed by the Banking Committee staff, it's possible to put together a package with the following: (1) Universal reserve requirements on transaction accounts and large denomination time deposits; (2) No reserve requirements at all on small time deposits or nontransactional savings; (3) the cost to the Treasury held down to a reasonable level. For example, reserves against transaction accounts of 10 to 11 percent against large time deposits of 67 percent, and a waiver of each of these at $10 to $15 million, the cost to the Treasury might be $100 million to $140 million or less. Only 1,500 to 1,700 banks would have reserves at the Federal Reserve Banks but 84 percent of all transaction accounts would be covered and 76 percent of all bank deposits would be covered. Now this approach would put banks and thrifts on par. Both would have no reserve requirements against time and savings de https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 49 posits. The Fed's concerns would be met and the cost to the Treasury could be held down. What do you think of that approach? Mr. MILLER. Mr. Chairman, I think there's considerable merit to that approach. Let me see if I understand it correctly, and then react to some of the advantages you mention. Of course, we feel that uniform, universal reserves on transactions accounts is, perhaps, the cornerstone of the policy we are looking for. If we could then find the capacity to eliminate reserve requirements on savings, so that banks would be on the same basis as thrifts, that would have considerable advantage in terms of equality of competition. Your suggestion on time deposits, I think, would probably work fine in today's world. I would worry if we ever had a change in regulation Q which you and I have talked about; if we ever eliminated interest rate ceilings we would have to be careful not to have a structure that could be gotten around by breaking all large time deposits into small ones. That could be done just by issuing them in series. So we want to watch the technicalities, but I think your proposal-assuming we could handle technicalities like that-is one of considerable interest. The CHAIRMAN. Now many banks have argued that reserve requirements are a tax. In fact, some of the members of this committee did exactly that this morning. They are an inefficient way to collect taxes and inequitable and unfair, and you argue that it's been an unfair tax because the tax falls only on member banks. They don't apply to nonmember banks or thrift institutions. The Congress has a responsibility of levying and collecting taxes. I agree with you that we have inequitable situations; we always have inequitable situations with respect to income taxes bank pay. We don't hear much about that. I have a report from the Congressional Research Service that indicates the effective tax rate in the largest banks in 1977 were not only very low, but they were nonexistent with respect to many of the banks; yet all the bills we are considering would reduce the reserve requirements for these banks by an enormous amount. Can you tell me how many banks paid no U.S. taxes at all in 1977? Mr. MILLER. I don't have that information. The CHAIRMAN. Well, the figures I have are for 2,407 and the effective tax rate according to a tax note here, which is issued by a responsible nonprofit group, the effective tax rate was less than 3 per~ent _on banks compared to a 48-percent rate in 1977. You have a s1tuat10n here where Bankers Trust, Chase Manhattan, Chemical, Citi~orp, Continental, Manufacturers Trust, and Marine Midland paid no taxes at all according to this. At least they had deferred cr~dit in excess of current tax liability. The other banksBankAmenca, the biggest bank in the world, paid 12 percent in taxes compared to 48-percent nominal rate; First Chicago paid 6.9; J. P. Morgan paid 11 percent; First Bank System paid 7.2 percent, and so forth. In view of th_is situation, isn't it proper for us to consider that a payment of no interest on reserves does constitute a tax indeed and I would concede that, but in view of the fact that the banks are able to not to pay the taxes that they pay in other industries, https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 50 doesn't that somewhat ease the argument that this is a tax? Doesn't it make it more equitable and fairer to impose a tax under these circumstances? Mr. MILLER. Senator Proxmire, I would certainly have to know the basis for figuring those tax payments by banks. I know that many banks, in recent years, have financed capital for industry and that the tax credit has probably made it possible for more capital investment to be made than otherwise would have; that tax credit could be one of the factors reducing bank taxes. The CHAIRMAN. Yes; I want to make it very clear that I don't oppose increased profits for the banks. I think that's healthy and wholesome and we should have them and that we should be encouraging the banks to be more profitable, not less. What I'm concerned about is when they do make money their tax liability is too small and, furthermore, we don't really have the firm data before us. I wonder if the Federal Reserve could make a study of this. Let me put it this way. I'd like to ask the Federal Reserve for a detailed study on how major tax credits and tax breaks on all of these things have changed over time. Would it be possible to make that kind of study and make it available to the committee within a month? Mr. MILLER. We'll see if we can get it; yes. I'm not sure what our resources are. I want to point out, Senator, in talking about our proposal for earnings participation accounts, you must recall that we are merely putting that in as a supplement to required reserves. We're not suggesting that there be, if you will, additional tax relief. If you continue to look on noninterest bearing reserves as a tax, we'll be able to negotiate. We are suggesting that once you do get a uniform level of noninterest bearing reserves set, then in addition to that, we require some additional deposits which, when held by the Fed, would earn income as in the case of the other bank investments. [The following paper was received for the record:] https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 51 CHANGES IN MAJOR SOURCES OF TAX SAVINGS FOR BANKING ORGANIZATIONS: 1969-1977 A Study by the Staff of the Division of Research and Statistics of the Board of Governors of the Federal Reserve System* April 1979 * Gerald A. Hanweck and Rick Kilcollin were principally responsible for the preparation of this study. Helpful comments and contributions were made by John Mingo and Benjamin Wolkowitz. Able research assistance was provided by Oscar Barnhardt. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 52 I. Summary The staff has assembled data on secular changes in major sources of tax savings and their effect on the final Federal tax liability of banking organizations. The latest available data from the Internal Revenue Service (IRS) indicate that the average effective Federal tax rate (taxe~ as a percentage of worldwide income before taxes) ·.for these organizations has declined from 21.5 per cent in 1969 to 11.3 per cent in 1975. The largest source of Federal tax savings for these organizations.-has been tax-exempt income from municipal -securities. This source- of taX savings has been .. increasing -in importance,. accounting for,.a reduction in the effective tax rate of 21.5 percentage points in. 1969 and .29.2 percentage points by 1975. A second major and increasingly important source of Federal tax savings has been the foreign tax credit-accounting for a reduction in the effective tax rate of 1.7 percentage points in 1969 and 7.4 percentage points by 1975. A panel of 20 large banking organizations has experienced a similar --pattern of sources of Federal tax savings, although these large banking organizations have relied more heavily on foreign tax credits than have their smaller counterparts ):l The data assembled from these organizations' annual reports to stockholders and Securities and Exchange Commission (SEC) lOK reports indicate that tax-exempt income from municipal securities and foreign tax l/ ~ndividually some large 9rganizations may appear to be paying no current Federal income tax; but, because of the difference between book income as reported to stockho~?ers and the SEC ~nd taxable ~ncome under IRS rules, a negative current Federal-tax according to book inCome does not mean that the corporation did -not have· a Fede_:r:_al tax liability. A _maj~r sou~c;.e of the reduc;tl:,on in ':_urr~nt Federal ~ncome-tax_, ~aS reporte,f·to s~aieho~_deis, 1=~ the fo~efgn t_ax credit. Howev~r, .~l.nce a, foreign __ ta~ cre.dit is limited to the current Federal ·t.ik -li3:~ility be;f;re credits t:i~eS ·the' ratio of "foreign -s0{1rce ~taXable income to WOrldwide taxable income, a foreign tax credit cannot eliminate the actual current Federal tax liability. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 53 credits accounted for 16.5 percentage point and 15.8 percentage point reductions from the nominal 48 per cent maximum tax rate in 1977 (the latest year for which complete lOK reports are available). Since. many banks opera.te worldwide, an alte.rnative means of viewing effective tax rates is to consider the rate of tax paid worldwide. For all banking organizations, the data indicate that the worldwide tax rate on worldwide income (Federal tax plus the foreign tax credit as a percentage of worldwide income) has shown a moderate downward trend from 23. 2 per cent in 1969 to 18. 7 per- cent in 1975 •. The worldwide tax rate on worldwide -income for 20 large banking organizations has increased somewhat from 18,8 per cent in 1974 to 20.8 per cent in 1977. This trend for the larger institutions is similar to the trend in their United States.tax rate on world- wide income which increased from 2.0 per cent in 1974 to 4,9 per cent in 1977, Because income from municipal securities is tax exempt, another _way of viewing effective tax rates is to consider tax rates only on taxable income (all income less that which is exempt from Federal taxes}. Since. 1969, the worldwide tax rate on w01;ldwide taxable income for all banking organizations has increased moderately from 41,9 per cent to 47,7 per cent. The large banking organizations have experienced relatively stable effective tax rates on worldwide taxable income--30.2 per cent in 1974 and 31.7 per cent in 1977. An alternative method of adjusting effective tax rates for tax• exempt income is to estimate taxes and income on a tax-equivalent basis,.!/ Empl~iin& this method, the wi;1dJide tax r~t~ on woridwide tax-equivalent income for all banking organizations has increased moderately from 45 per cent in 1969 to 47.9 per cent in 1975. 1./ For the 20 large banking This method is described in the Appendix. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 54 organizations this tax rate has remained nearly constant at 38.5 per cent from 1974 to 1977. Thus, although their U.s·. tax rates on worldwide-- income appear low (2 per cent to 4 per cent), the worldwide tax burden on a tax-equivalent basis for large banking organizations is substantial. Congress has provided banks and other financial institutions "1th liberal tax treatment for additions to loan-loss reserves. Even though this is being gradually phased out, so that by 1968 banks will be able to deduct only "experience" loan losses, the effect on tax savings from additions to loan-loss reserves in excess of actual losses has been significant. The available data indicate that between 1969. and 1975 this source of Federal tax savings has accounted for a reduction from the nominal rate of 48 per cent of between 2.6 and 5.0 IJercentage points. A final important source of tax savings for large bankirig organizations is derived from leasing activities. Because bank leasing requires con- siderable start-up costs, only the larger banking organizations have engaged in this activity and ha,ve b-een ab.le _to take _advantage of the tax s~vings .. -aspects of leasing-principally from the investment tax credit and accelerated depreciation. For the panel of 20 large•organizatioris~ccelerated depreciation and the investment -tax cred:i._t_·_have accounted for a reduction of 6 to 9 percentage point in Federal taxes fro~ the nominal 48 per cent rate. II. Major Sources of Tax Savings and Effective Federal Tax Rates·;of Banking Organizations Tables 1 through 4 present the basic findings of this report_ Table 1 shows_ the recent history of FEideral tax rates paid by banking organizations• The. major. Sources. of banks-tax-sa\1i'ngs--3re---additi0.rtal-ly https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 55 expressed as percentage point reductions from a maximum statutory Federal tax rate of 48 per cent. of base incom.o. Table 2 parallels Table L except· for a redefinition ,~ In this table, municipal bond income is excluded from base income whereas in Table 1 this item is included. Thus, Table 2 givee sources of tax savings and Federal tax rates as a percentage of taxable income, 1 and 2 depict., the data presented in Tables 1 and 2, respectively, Charts Table 3 gives a breakdown of Tables 1 and 2 by size of bank for 1974 (the most recent available data by size class). Finally, Table 4 presents data for the·20 large banking organizations. Considerable care should be taken in interpreting these tables,Y First, Tables 1 through 3 are derived from Internal Revenue Service Corporate Tax Return data, and are not directly comparable to Table 4. Table 4 is derived from financial statements and data supplied to the SEC in its J.OK reports. The measurement of income can differ between tax and financial state- ments for a variety of reasons-such as differing bases :!;or subsidiary consolidation or differing treatments of capital consumption allowances, Also "income tax" has a fundamentally d;ifferent meaning ;in the two type$ of statements. For tax statements, income tax is current tax liability. Current tax liability is not the same as taxes paid on current income; for example, current taxable income may reflect losses carried forward from previous years, while the tax on some current income (or tax credit for a current deficit} may be carried over to future years. Financial statement income tax refers to current provisions for Federal taxes, 1/ Current tax provisions, lj_kewise See the Appendix for the methodology used in the construction of these tables as well as for the data used in Tables 1 and 2, https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 56 do not necessarily correspond to taxes paid on current income. Some taxes currently provided for may actually be deferred indefinitely into the future, Also, some tax credits, particularly for foreign taxes--whi.ch act to reduce current tax provisions-may never be realized and thus do not actually reduce taxes on current income •.!/ Second, few corporations realize--as is implicitly assumed tn the construction of the tabless-a 48 per cent tax savings on tax-exempt income, either because a 48 per cent rate does not apply or because of the minimum tax on tax preference items. This accounts largely for the anomaly·in- the tables and charts of some actual tax rates in excess of the maximum statutory rate net of major tax savings.items.±-/ Third, the tables are somewhat distorted because a corporation c·an not have a negative Federal income tax even though it may have a negative taxable income. This distortion is present in Tables 1 th~ough 3 in the form of a tax liability which is affected.by loss carry forwards, It is present in Table 3 as well in the more subtle form of an aggregation bias wh.icb makes it appear that small banks pay higher tax rates than large banks,l/ The distortion exists in Table 4 in the form·of an implicit assumption that all 1/ See the text under the discussion of the foreign tax credit for an elaboration of this point. 2/ See the Appendix for further discussion of this point. A small bank such as a newly formed bank is more likely than a large bank to have a net deficit in any given year, This deflcjt will reduce total income for the size class of bank, but the resulting tax loss carryover will not reduce current taxes below zero for the deficit bank. Thus an aggregate of_ small banks will appear to pay higher tax rates than an aggregate of large banks, even if this is not the case. "ii https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 57 foreign taxes paid will be credited against u.s, Federal incQ1J1e tax--even to the extent of a reduction of U.S. taxes below zero.!/ This report includes data for the most recent years available. For all banks the naost recent data are contained in the IRS Sf~tistics of Income: Corporation Income Tax, preliminary for 1975, For large banking organizations the most recent data are from the 1977 published annual reports to stockholders, l0K reports submitted to the SEC and summaries in the Tax Analysts and .Advocates;·publication Tax Notes. Bank Report of Condition and lncome Statements submitted to bank regulatory agencies are not used in tnis report because they do not provide data on the various sources of tax savin~s. ·sources of Bank Tax Savings 1. Municipal Bond Income Federal law provides for the tax exemption of interest income from State and local government obligations as well as for certain other oblj_gations-.... such as pollution control bonds and small industrial development bonds. -These tax-exempt securities are collectively termed 11 municipal bonds'·~" Table 1 indicates that municipal bond interest income has been the major tax saving item_ for banking organizations· in the recent past. :Municipal bond interest income acted to reduce the maximum statutory rate for all banks by 21.5 percentage points in 1969 and by 29.2 percentage points in 1975. Furthermore, this item has been most important for middle-sized organizations with total assets between $50 million and $500 million. 1/ See the-text under the discussion of the foreign tax credit for an elaboration of this point. This particular bias arises in Table 4--but not in Tables 1 through 3-because it is constructed from financial statement data which report the provision for foreign taxes although actual foreign tax credits claimed will be somewhat less than this provision. Tables 1 through 3 rely on tax statement data which report only the actual foreign tax credits claimed. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 58 The importance of municipal bond interest income as a source of tax savings has increased over time because municipal bond income has risen as a per cent of net bank income. Since muni.c.ipal bonds have declined as a per cent of bank financial. assets, and the interest yield on municipal bonds has declined relative to other yields (see Chart 3), the increasing importance of municipal bond income in bank net income can be seen to be primarily the result of an increase in bank expenses relative to receipts over this per.iod 1 rather than to an increased use by banks of municipal bonds as a tax savings device .. 2. Loan-Loss Reserves Banks are allowed a deferment of taxes on transfers from undivided profits to loan-loss reserves. Under the Tax Reform Act of 1969, these transfers are primarily limited by a ceiling on the level of such reserves as a per cent of "eligibleU~_loans. Th.e law sets this ceiling at 1.8 per cent of eligible loans through 1975, 1,2 per cent from 1976-81, ana u,o per cent .from 1982-87. After 1987, a bank's I:RS deduction for additions to loan-loss reserves will be limited to actual loan-losses based on moving average of the previous five years' loan-loss experience, The addition to loan-loss reserves in excess of current net loan losses is held to be a tax preference item by the IRS;_and thus it is included as a source of tax savings in the tables and charts presented in this report. Since the IRS samples this tax preference item only occasion~lly 1 the data are sketchy and no trend in the magnitude of this source of tax savings is apparent. It appears that loan-loss reserves are a relatively small but https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 59 significant source of tax savings in the three years for which data are available (Table 1). This item will become less significant over time and will disappear after 1987. J. Foreign Tax Credit Taxes paid to foreign governments on earnings of foreign operations of U.S. banking organizations can be credited against an organization's Federal income taxes. However, there are specific limitations. According to current tax law, a foreign tax credit is limited to the current Federal tax-liability before credits, times the ratio of foreign source taxable income-to worldwide taxable income. Essentially, this limitation prevents a foreign tax credit from eliminating a current Federal tax liability. Additionally, tax law permits excess foreign tax credits to be carried over for use in future tax periods. Since the late 1960's, foreign operations of the major U.S. banks have grown considerablv. For example, for all U.S, banking organizations the foreign tax credit has increased from $77 .8 million in 19-69 to $547 .9 million in 1975-an average annual increase of 38 per cent (',!'able A-11, lly comparison, before tax income of U.S. banking organizations increased 3t an average annual rate of 7.9 per cent over the same period. The effect of this rapid growth in foreign operations on Federal taxes has been concentrated in the laxgest banking organizations. For 20 large banking organizations, foreign taxes accounted for a 15.8 percentage point reduction from the nominal 48 per cent tax rate in 1977 (Table 4). Even though the growth of foreign operations of large banks has been considerable, the foreign tax credits arising from foreign sources of income have been a 44-240 0 - -. " https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 60 relatively constant source of Federal tax savings for these banks since 1974 (Table 4). Even though past growth in foreign operations of U.S. banking organizations has been very rapid, there are presently signs that this growth is beginning to level off. This will have the effect of lilldting the importance of foreign tax credits on effective Federal income taxes to the extent that taxable income grows more rapidly than foreign tax credits. For tax purposes the•:data in Table 4 suggest that some of these organizations have accumulated substantial foreign tax credit carryovers, Since these cannot be retained- indefinitely, taxable income must grow in order for these carryovers to be useful in future years. In fact, if foreign tax rates exceed the 1979 U.S. maximum rate of 46 per cent on corporate earnings, taxable income may need to grow more rapidly than foreign taxes in order for these foreign _tax credits to be fully utilized. Consequently, the effect of foreign taxes in reducing Federal taxes is anticipated to be of lesser importance in future tax periods. 4. Investment Tax Credit 2 Accelerated Depreciation and Leasing The equipment leasing activity of banks has become increasingly important since the Comptroller ·of the Currency approved leasing for National banks in 1963. Since then, many States have permitted their banks to engage in leasing and (since the 1970 amendments in the Bank Holding ~ompany Act) the Board of Governors has approved personal property leasing as a pennissible bankrelated activity for bank holding companies-(BHC 1 s). 'Typlcaily a busiriess firm enters into a leasing arrangem'ent- be:Catise-::-it .O-canno·t take adVantage of either the tax savings from the investment tax credit or accelerated depreciation https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 61 on newly purchased equipment, -or =because· it ;ls-.:..unable to- -finance· a ·purchase· of the· equipment at a lower overall cost;--A-banking organization purchases the. new equipment, or retains~-20 ·per ··cent equity as in ·a· leveraged lease; qualifies for the tax savings-, -andcmay pass on.part ·-of .these tax-savings~ to the business firms by leasing the equipmeni:.at ·a·lower··cost than--if thefirmi had .borrowed to purchase the equipment_-directly; The tax benefit gained from leasing by a ba_,;king organization (the less.or) can be substantial:· Accelerated depreciation and the investment tax credi; ~re the most important sources of th:_- tax savings )J In addit';);,,, the _, ·:.;.·~--·>~.'-,_- -· _··:· -•-.--.-. __ -__._-_~--·---. _·_. ,:,·.-:;;-·;:...":<,:...>,;:·,,....":.:i.",:•-; ,. lessor need not retain a 100 per cent equity ·:1.n -the leased property -t,i""obtain · · q:!~.;.,;:._•.;.,_. . . •. - ·:_.:. · all the·- tax saving benefits. -! _,:.t _.._ •:•.. ~:•:•;~. ,;_·--~ ·:;·-., In a leveraged lease the lessor must have at ... . ·;,::-:o::_;;;· least 20 per cent of the equity in the property while sharl.ng the r;maining 80 per cent with some other firm--usually an insurance company--~n order to retain all the tax benefits associated with accelerated depreciation and the investment tax credit. Consequently, leveraged leasing allows a banking . ,- ··-·- - _. ••---.-- , . ·---~- organization to derive a-substantial tax benefit not only on its share of the revenue from the lease but on other income as well. · For all banking organizations, the tax.,saving effect oJ; accelerated depreciation and the investment tax credit has been to reduce the nominal tax rate by about 1 to 2 percentage points during the 1969-75 period, However, since a leasing operation usually requires substantial resources in 1/ The investment tax credit is presently an effective 10 per cent on equipment ;;ith a useful life of 7 years or more, 6.67 per cent on equipment with a useful life between 5 years and less than 7 years, 3,33 per cent on equipment with a usefuL life of between 3 years and less than 5 years, and no credit for property with a useful life of less than 3 years. Additionally, the maximum credit is $25,000 plus 50 per cent of the remaining tax liability, Thus, the investment tax credit encourages longer-term lease financing than would otherwise prevail. Accelerated depreciation is that amount of a depreciation deduction that is in excess of what would be deducted by using the straightline method of depreciation. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 62 start-up costs and volume maintenance, only the largest banking organizations have entered this activity. As a result, accelerated depreciation and invest- ment tax credits account for a substantially greater reduction in the nomi~al f~,ta:' rate for large banks than for all banking organizations. During the period '.)J'.. 1974-77, accelerated· dep:eciation and investment tax credits accounted for a fti, reduction }t' · in the nominal tax rate of the largest hanks of from 7 percentage ~ ,.·, - •a' · C, ' .• • .(;",points in: 1974 to 10 percentage .points in 1977 (Table 4).. IXI;. ~,~·~:~:F~f Tax Sa:~:~~~--Perspective ~:.;~•~., :· ·. ·· , --· ;i. ~-,, ' <>~cii;.~h of -the ~j-;;r''~~~~:;hich"r~~u~:· :ffective. c~=~-~~~i~'~Ei~t..'x- ;tf~-i- ~~~_rates wer~ -;;;acted •'''<:'~,.,. ------ --·-·by Con&re;~· tO ~.7-- ... ·----- -- ellcourage sPecific "activities. The investment credit ;;:~d accelerated depreciation ;.uowance are meant to stimulate real capital formation. The tax-exemption of municipal bond interest income is ·aimed at enabling state and local governments to borrow more cheaply, The foreign tax credit seeks to encourage international investments by avoiding :a·,; the double taxation of foreign income. While tax inducements are the ~ ·=-~~~~;'-'.operandi of these Federal. programs;· it is tmwarranted to assume that banks ar.e i:~-th8 SOie -~r even the major =beneficitiries of these tax saving itemS'.: --Insofar as these tax savings are actually shifted to their intended beneficiaries the effect is to leave banks' after-tax earnings unchanged. For example, it must be the case that some of the tax savings of the investment tax credit or accelerated depreciation allowance claimed by banks in connection with leasing operations ~re passed on to the lessee in the form of lower lease payments, or to equipment suppliers in the form of higher purchase prices. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis -- ·.......::. In the case of municipal bonds, it is clear that 63 the benefit of the tax-exemption of interest income is largely shifted or passed on to the state and local governments which issue such bonds via the low interest rates associated ·with these securities. Chart 4 shows the recent interest rate history of Aaa utility bonds, 10-year U.S. Government obligations. and State and local securities. ~ Over '.), the 1971-79 period interest·'rates ·on municipal bonds ·have been rougli1y.~30"'" \;- per _cent lower ;: ·~nan- the . - -- . - . ·:~.,,~~-~;i:. interest -rates ·on ta-xable ·u~s. Goveirime"rit"'Obliga·e-ions· • •c_o~r~~-banks:."s the -inajor"ho~der o-f mum:dpal bonds (see Cha'rt $y--'~~-=played a key~o~ecin -the ctfansferc'°of ::';his suosic!y • to::th"ese'gbv~trun1an'i:· bo~~;:!'?f:::•• . ;_:~-':'· By holding municipal bonds commercial banks have foregone the highe_r"·• ·-:·- ··:·,,•:.:, inter7st yields available on taxable bonds; and this lower municipal bond yield has ·passed on to state and local governments some of the benefits of the tax-exemption of municipal bond interest income for commercial banks. A bank would have the same after-tax income if, instead of holding municipal. bonds, _it held taxable bonds on which it_ paid a tax equa_l _to the_d_if_fe_re~tial~Y., lower interest earned on municipal vs. taxable bonds. This argumeni_:p~ovid.es_ ~:- a basis for computing the effective tax rate on commercial bank.· income net of the shifted incidence of the municipal bond tax savings. To obtain'. this effective tax rate,- the interest forgon~_ [rom hold_j.ng municipal bo_I?dSi.Ilst_:~d of taxable bonds is. added to taxes paid while a like amount is added to base income, reflecting the taxable bond equivalent income of municipal bond income. :Figuring the effective U.S. tax rate on worldwide income in this fashion dramatically alters both the-level and time trend of commercial.b8nk tax rates. (See Table 5 and Table 1). https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis The tax rate is effectively increased 64 because the majority of the municipal bond subsidy is passed on to state and local governments. The resulting secular increase in the effective commercial bank tax rate during the 1970's, in sharp contrast to the trend evident in Table l, reflects the dual phenomena of an increasing rate differential between taxable and municipal bonds as well as the increased importance of municipal bond income in overall bank net income over this period. Foreign tax credits can only be claimed to the extent that foreign taxes are paid on foreign income. Therefore, a bank does not avoid taxati.on by claiming foreign tax credits, but only avoids the double taxation____of_,_,,__ _foreign source income. . ·- Thus, worldwide Jax on worldwide income is a more accurate measure of the burden of taxes on banks than is the U.S. tax on worldwide inc.ome. Table l indicates that the worldwide tax rate on worldwide income is significantly higher than the U.S. rate on worldwide income and has declined moderately from 23,2 per cent in .1969 to 18, 7 per, cent in 1975 ,Y llefl';:~;ing their .substantial, foreign .source income, Table 4. indicates .. t,hat the worldwide tax rate on worldwide income for the 20 large .banking _organtzations ,.-i-s --much--c,greater .·than-flieir- -u .S. rate 'on ..__WorldwiQ.e_ inCOme: 20 .-8 ·per. ~c~t .ver.sus 4.9 per· cent iii"l977, ·Additionally,. the·worl.dwide.•r<1te for the··20::large banking organizations has increased __ moderately over time, The overall tax burden on banking organizations may be assessed either by considering the worldwide tax on worldwide taxable income (worldwide income less tax-exempt income) or by estimating the effective.tax rate on worldwide income assuming that there were no true-exempt sources of income so 1/ Tables 1 through 3 understate worldwide taxes on worldwide income to the extent that foreign taxes paid exceed foreign tax credits claimed. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 65 that banking organizations would_invest in assets that yielded taxable income.-!/ In Tables 1 through 4 the latter method is titled Worldwide Rate on Worldwide Tax-Equivalent Income. For all banking organizations this tax rate has increased moderately from 45 per cent in 1969 to 4 7, 9 per cent fo_ 1975 (Table l).J:./ This same trend is indicated by the worldwide rate on worldwide taxable income which has increased from 41.9 per cent in 1969 to 47,7 per cent in 1975 (Table 2). For _the 20 large banking organizations the worldwide rate .on .. ·.,.,~··• worldwide ta,..,equivalent income has remained nearly. constant at 38 ,5 per cent . from 1974 \~\;-77 ,_;hH~ ~~: worldwide rate\r;:iidwide t;,,;-a~·le -;~~:~/~~~ . -. increased moderately ·fr~m. 30;2 per cent 'f'o -31,7 per cent over this pe.riod (Table 4). By using either method, the tax burden on these large banking organizations is considerably greater than indicated by the U,S, rate on worldwide incoDIE! of between 2 per cent and 5 per cent over the 1974-77 period, ;!/ See the Appendix for a discussion of the technique for estimating this income. 2/ See the Appendix for a discussion of the reasons for these rates possibly -;xceeding 48 per cent. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Table 1 Sources of Tax Savings and Federal Tax Rates· of Banking Organizations (Base Income Includes Municipal Bond Interes·t . Income)., ;L· Base Income ($ millions) 1973 1974 '6,041.3 6,415.8 6,754.6 7,438.3 :4a,o 48.0 48.0 48,0 (1.5) (1.5) (1.4) (1.7) ((23;4) ' :: (25,3) . (26.5) (28,0) (29.2) * * (2.8) 1969 1970 1971 4,703.8 6,039.2 6,093.7 48.0 48.0 48,0 Maximum Statutory Rate (%) Investment Credit (%) (1.1) 1972 (. 9) (.6) I,' .. (21. 5) ·c20·;9) IRS Additions to Reserves for Bad Debts (%) '* * (2.6) , (5,0) Accelerated Depreciation (%) * * '. (,4) (,4) 1,6 4.4 Tax-Exempt Bond Income (%) __!ill ti (. 3) * 2,3 6.4 1.6 Miscellaneous'};/ (%) (2, 2) (1.1) Worldwide Rate on Worldwide Income(%) 23.2 25.4 22.3 20,2 22.3 21.9 18.7 Foreign Tax Credit(%) (1, 7) (2,2) (3,2) (3, 7) (5,4) (7, 7) (7 .4) U.S. Rate on Worldwide Income(%) 21.5 23.2 19,1 16,5 16.9 14.2 11.3 45.0 46,4 45.9 45.8 _48.7 Worldwide Rate on Worldwide Tax- --Equivalent __I~co~-- (%) .- _ 49.6 ___ 47~_9__ _;, NOTE: See the Appendix for data and derivation of figures, ·,. * Indicates data not available. 1/ Miscellaneous includes a balancing figure as well as IRS additions to reserves for bad debts and accelerated depreciation where· these figures are not sepanitely_;repo rted. __ __ Source: U.S. Department of the Treasury, Internal Revenue Service, Statistics of Income: Corporation Income Tax Returns, 1969-1975 (preliminary). https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis i Table 2 Sources of Tax Savings and Federal Tax Rates of Banking Organizations (Base Income Exclu,des Municipal Bond Interest Income) Base Figure ($ millions) 1969 1970 1971 1972 1973 1974 2,594.3. 3,410.7 3,127.8 2,853,9 2,876.0 2,811.4 2,912.3 ~ 'Maximum Statutory Rate (%) 48.0 48,0 48.0 48.0 48,0 48.0 48,0 Investment Credit(%) (2. 0) (l.l) (l.7) (3.1) (3.4) (3.4) (4.2) (5,1) (10, 5) (,8) (.9) 3,0 44.9 IRS Additions to Reserves for Bad Debts(%) Accelerated Depreciation(%) Miscellaneous 1:_/ (%) * * (4.1) Worldwide Rate on Worldwide Taxable Income (%) 41. 9 * * (2.0) * * (6. 8) 9,2 5,1 15.6 3.9 43.4 42o7 49,7 52.6 47.7 * * (.8) Foreign Tax Credit(%) (3, 0) (3,8) (6,2) (7 ,8) (12, O) (18, 5) (18, 8) U,S, Rate on Worldwide Taxable Xncome (%) 38,9 41.l 37,2 34,9 37.7 34.l 28.9 NOTE: See the Appendix for data and derivation of figures, *- Indicates data not available. Jj Miscellaneous includes a balancing figure as well as IRS additions to reserves for bad debts and accelerated depreciation where these figures are not separately reported, -source: U, S, Department of the Treasury,·-Internal· Reyenue Service 1-Statistics--of -Incol!le: --Corporation Income Tax Returns, 1969-1975 (preliminary}, ' ' https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis a) ~ 68 Table 3 Sources of Tax Savings and Federal Tax Rates of Banking Organizations by Size Classes: 1974 A'sset Size Classes ($ millions) 50-100 100-500 > 500 ~ Base Income ($ millions) Maximum Statutory Rate ('l.) Investment Credit ('l.) Tax-:-Exempt Bond Income ('l.) IRS Additions to Reserves for Bad Debts ('l.) ·;.~,-7··.7,.c:::.·7~,,.. :·. -. - -, .-.~ - - z·:·:::-T::~-:-~~::~-::._·._..,, Accelerated Depreciation' ('l.) - ·--- .. •---- ' -· -- ··--. 2/ . ---- . --- Mi9-<;~~laneous::-. l'l.) Worldwide Rate on Worldwide Income ('l.) 1137.6 883.3 1060.0 3684. 9 48.0 48.0 48;0 48.0 6754. 71/ 48.0 : (. 7) (.8) (1.1) (1.8) (1.4) (20.5) (29. 0) (33.5) (28.3) (28. 0) 'c2.1> (3. 9) (5.8) (4.9) (.2) (.3) _c.1) (.5) (4.8) -.. (. 3) _i . 5 6.5 9.6 9.3 8.4 25.1 ·20.6 16.9 21.8 21.9 (14.1) 0.0 0.0 0.0 25.l 20.6 16.9 7. 7 14.2 Wo!ldwide Rate _on W~rld~ide Taxable Income (o/.,) 43.8 52.0 56.0 53.2 52.6 43.8 52.0 56.0 18.8 34.1 45.9 ----- 49.3 50.0 49.8 49. 6 Foreign Tax Credit ('l.) U.S. Rate on WorldwJ.de Income ('l.) . ' (7. 7) ' J.J,s_;"'Rate on Woridwide_ Tax~ble Income ('l.) wO:r1dwide Rate on Worldwide Tax.. Equivalent 7 ~~com~~(~'l.~)-------~ ' \ i/·~~~al 1n:~{~des e~timates for 318 banks for which asset; were llot separately reported. Miscellaneous includes a balance figure as well as IRS additions to reserves for bad debts and accelerated depreciation where these figures are not separately reported. 2/ Source: U.S. Department of the Treasury, Office of Tax Analysis. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis -'-'-'-· 69 Table 4 Sources of Tax Savings and Federal Tax Rates of 20 Large Banking Organizations: 1974-77 Y 1974 Base Income?/ ($ millions) Statutory Rate(%) Investment Credit (%) 1975 1976 1977 2580. 9 2941.6 3134.1 3428.2 48.0 48.0 48.0 48.0 (.68) (. 81) (.87) (2.56) (16. 25) (16.49) (18. 72) (17.34) Accelerated Depreciation(%) (6.41) (8. 58) (8.17) (7.27) Miscellaneou.l' (%) (3. 43) (. 35) (1.55) (. 90) Worldwide Rate on Worldwide Income (%) 18. 76 20.92 21.16 20. 79 (%) (16, 77) (20,521 (16,59) (15.85) U.S. Rate on Worldwide Income(%) 1.99 ,40 4.57 4,94 30.21 32.74 Tax Exempt Income (%) l'ore:tgn Ta:,ces Worldwide Rate on Worldwide Taxable Income(%) U.S., Rate on Worldwide ,. Taxable lnco.111es~2 __ · l~ -- Worldwide Rate on Worldwide TaxCEquivalent Income (%) 3.21 38.54 32._01 - ~ - - ~ · - · _6,91 39.04 .31.69 .1,53. . 38.64 --··· 1/ The panel of large banking organizations was slightly different for 1974. However, the difference would have an insignificant effect on the tabulations. '.?:./ The Base Income figure for the computations summarized in the table is net earnings before Federal income taxes. This base figure is derived by reducing the net earnings before income taxes, as shown on a firm"s income statement, by the provision for state income taxes where such taxes are included in the income tax provision. This is done because state income truces are merely another deduction for purposes of Federal income taxes. The base figure which results from this subtraction is a more accurate standard for comparison with the Federal statutory rate. · 3/ Categories constituting less than 2.4 per cent of net earnings before Federal income taxes are not required by the SEC to be separately reported but are rather shown as 'miscellaneous'. This item also includes those categories that were broken out but inconsistently reported during the period 1974-77, e.g., excess loan loss provision, nondeductible losses and costs, unrepat~iated foreign earnings or capital ga~ns. Source: Tax Notes, T~x Analysts and Advocates; and Annual Reports to Shareholders and SEC lOK Reports. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 70 Table 5 Effective Federal Tax Rates on Bank Worldwide Income Net· of Shifted Municipal Bond Tax Savings 1/ 1970 1971 1972 .33 .30 1973 .. :::<:_34 • 37 .39 --- .. , . .. ~ .·• 1/ ·computations are based on the assumption of an opportunity - ~ost ·of funds equal to the rate earned on U.S. Government obligations. Actual book rates of return for U.S. Government and municipal bonds are computed from IRS data; the rate -•differential between these series is used to gross up municipal bond income; and this figure is added to tax liability net of all credits as well as to income. The effective U.S. Federal tax rate on worldwide income is the quotient of these last two numbers. Source: See Table A-1 (Appendix). https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 71 Chart 1 The Sources of Tax Savings and Federal Tax Rates of Banking Organizations Percent 48 Maximum Statutory! AateJ 40 36 I 28 ! iiillll -r---, - ,r----,I I ---- 20 I _,-, I I I I I ,-' I - -- ,I -- - I I I '' [Il]J '' ' ' : i i 1969 '' '' ' s\ i ' I I I I ' '' 1971' 12 ! 1 I I I I I I I '' ''' ' I 1970 1el ,- I I I -I I I I I '' I I l I ,_' I I IHH lllillllil '' I I I I I I i '' '' I I . :' I I '' --• , __ I I I I I ' ·-1 I I I I I I I I I I I I I ' I I I I I I 1912 '' '' ' 1973 1974 ; 1975 i MUNICIPAL BOND INCOME' 11D INVESTMENT TAX CREDIT: FOREIGN TAX CREDIT! [lilil] IRSADDITIONSTO RESERVES FOR BAD DEBTS' ACCELERATED DEPRECIATION Source: Table 1. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis --- r-- 7 U.S. RATE ON WORLDWIDE INCOME 1 · 72 Chart 2j The Effect of the Alternative Treatment of Municipal Bond Income on the Sources of Tax Savings and Federal. Tax Rates of Banking Organizations Percent1 48 Maximum' Statutory: Rate 44 40 ', -----,,.. I I I I I I 36, ·,I I I I I I I I I I I I I I I I I I I I I I ·I I I I I ,I 28J .. ·• I I _I I I 24 \ I I I I I I I I I I I I I I I .I I· I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I. I I I I I I I I I I I I I 1969 • I ---: ,. ~--, I I I I I I I III[] I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I I 1970 1971 . ACCELERATED DEPRECIATION Table 2. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 4 I I I I I I INVESTMENT TAX CREDIT: Source: I I 1972 IlIIII] I 10 l I ., FOREIGN TAX CREDIT\ DD I I I I I 20 : I I I I I I I ·I I I I •· '· I· I I I I I I I I I I I I I I I 1973 ', 1974, 1975, IRS ADDITIONS TO RESERVES FOR BAD DEBTS :' .-----, : : 0. S. RATE ON WORLDWIDE INCOME; ._____, - -- - i 73 Chart 3. Relative Interest Rates and Commercial Bank Holdings of Municipal Bonds. Quarterly Averages I Percent 1.0 MUNICIPAL BOND RATE ! U.S. GOV'T BOND RATE : .8 .6 MUNICIPAL BONDSi .2 COMMERCIAL BANK ASSETS [ 1969: 1971[ . -, ·1913: . --·---·-·1975; ... ___ - .. 1977: 19791 NOTE: The municipal bond rate is for Moody's Aaa municipal bonds. The Government bond rate is for a 10-year constant maturity U.S. Government bond series. Source: Federal Reserve Board. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 74 Ch•rt•I Long-term Interest Rates * Monthly A,erages \ Percent per annum I :-11 1 5J 11 ~~,_ 1 !973 I 1975 I 1977 l 1979 5 -I 1· Ct;;~;, Percent-01-0--;;-ts~nding S~te and Local Securities Held by Commercial B~nks '', Percent t 86 \ *Source: - -f:'9---~ deral Reserw Boen::I https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 75 Appendix TableA-1 gives the data from which Tables 1 and 2 were derived. Sources of tax savings are computed as follows: is specified. deductions." First, base income In Tables 1 and 3 base income is "total receipts less total In Table 2 taxable income, defined as Table 1 base income minus municipal bond interest income, is the base. In Table 4 financial statement income is used as the base. Next, the percentage point tax savings from a source which reduces taxable income (municipal bond income, IRS additions to loan-loss reserves and ..., ., acceleratei depreciation) is computed as 48 times the tax saving- item divided ~i . by base income. Finally, the percentage·point tax savings from a tax credit source (the investment tax credit and the foreign tax c·redit) is computed as 100 times the ratio of the tax credit item -to base income. In Tables 1, 2 and 3 the U.S. rate on worldwide income is ·computed as .100 times_- the ratio of current tax liability _(including the minimum tax on tax preference items and net of all tax credits) to:basesincome". In Table'4 this rate is the difference between 48 per·cent- and the sum of the _percentage point sources of tax savings. In all these tables the worldwide rate on world- wide income is the sum of the U.S. rate on worldwide income and the percentage point tax savings due to the foreign tax credit. The U.S. and worldwide rates on worldwide taxable income are computed in a like manner except for the exclusion of municipal bond interest income from.base income. For the computation of the worldwide rate on worldwide tax-equivalent income it is assumed that in the absence of tax-exempt bonds, banks would invest in securities yielding the !(}-year constant-maturity U.S. Government 44-240 0 - 79 - 6 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 76 bond rate, and that interest on these securities would be taxed at a 48 per cent rate. Thus, for this computation base income is grossed up by municipal bond interest times the per cent by which the 10-year constant maturity U.S. Government bond rate exceeds Moody's Aaa rate for State and local bonds. 3). This gives the tax-equivalent income to current bank income. (See Chart Since it is assumed that taxable bond interest income is taxed at a 48 per cent rate, an estimated tax of .48 times tax equivalent bond income is added to current worldwide taxes_, This sum times 100 divided: by tax equivalent' ..incOlD.e--is- the ·h,-. worldwide rate on worldwide tax-equivalent income. In the tables and charts of the text some constructed tax--rates exceed . 48 per~~cent while --Some major tax saving items. . actual tax rBtes eXCeed the maximum statutory rate net of There are two reasons for these tesulta. F_irst,. J though the taxes saved through the various t~ preference items are computed at a ,• 48 per cent lD:a"rgincll:;.tax rate, banks may not realize tax savings to this extent either bec3use a"48 per cent Federal tax rate does not apply or because Of the mini.mum tax on tax preference items •.!/ Second, in Tables· l_ through 3 the · •· statutory tax is implicitly figured as a percentage of base income plus accelerated depreciation and IRS additions to reserves for bad debts, wher~a~ the percentage point sources of tax savings are figured as a percentage of base income only. Jj !/ For the period covered by the tables up to 1974, the statutory Federal corporate income tax rate was 22 per cent on the first· $25,000 of income with a surtax of 26 per ceht on any income over this amount. ·The Tax Reduction Act of 1975 reduced the statutory rate on the first $25,000 income to 20 per cent and increased income exempted from the surtax to $50,000 for the years 1975-77. A special 10 per cent tax is imposed on the amount by which the total of certain tax preference items exceeds the sum of current tax liability plus $30,000. 2/ Ideally economic income should be used as the base. There appeared to be baSis for employing a different approximation to economic income than base income for the calculations in Tables 1 through 3. Table 4 is constructed using financial statement income as the base. -nc, https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 77 For both these reasons, the percentage point sources of tax savings are somewhat overstated. Thus, statutory tax rates net of sources of tax savings can be inferior to actual tax rates, or actual tax rates gross of sources of tax savings can exceed 48 per cent. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Table A-1 Construction.of Effective Tax Rates and Sou~ces_of Tax Savings ( $ mill ions) ~ ---121.Q_ _ill!_ :.:..:.!.W_ --117.L -1EL _illL 64,560.8 56,684,9 74,463.6 66,554.3 81,043.4 78,167.1 88,979.2 83,326.4 86,429.7 89,153.1 85,710.0 95,249.3 N/A N/A 3,391.9 2,109.5 3,808.8 2,628.5 4,386.6 2,965.9 4,675.5 3,187.4 5,392.6 3,539.8 5,964.8 3,943.2 4,526.0 930.3 1,068.6 1,223.9 1,416.1 1,686.1 1,871.8 N/A 4,703.8 6,039.2 6,093.7 6,041.3 6,415.8 6,754.6 7,438.3 803.0 Investments in Govt. Obligations: U.S. State & Local Interest on Govt. Obligations: U.S. State & Local _ Business Taxes_Paid Total Receipts Less Total Deductions Depreciation Deduction 7,251.8 989. 7 1,139.6 1,373.7 1,747.5 2,191.4 2,519.0 1,422.8 1,072.1 1,423.6 1,699.6 2,603.9 3,048.8 3,938,9 51.2 36.2 52.4 87.7 98,2 94.4 123.5 1,567.4 1,410.9 1,305.3 1,526.1 1,573.5 1,512.1 130.8 194.3 221.6 345.0 521.0 547.9 ~ 00 Bad Debt Deduction Investment Credit ·---· Federal Corporate Income Tax: Normal Tax, Surtax, Alternative Tax, and Additional Tax on Preference Items Foreign Tax Credit Tax Preference Items: Accelerated Depreciation IRS.Additions to Reserves for Bad Debts Source: _U~_s. 1,139.,4: 77 .8 N/A N/A 50.2 54.8 N/A 49.0 N/A N/A N/A 333.7 626.8 N/A 397.1 N/A _Department of_ the Tr:~asurr, Intern~l Revenu~ Se~ice,~ ~--- -----Tax Returns. Statistics of Income: Corporation Income 79 The CHAIRMAN. The difficulty is once you move with that principle, once you provide interest on reserves, it seems to me the argument is going to be very strong that the interest ought to be at the market rate and it ought to be comprehensive and it ought to cover all reserves and once you do that, of course, the cost would be very, very great indeed. Mr. MILLER. Congress has resisted that for 65 years. The CHAIRMAN. This is the point of resistance. It's easy to resist it when the principle is here. Once you have breached the principle it's much harder, particularly when you have a determined and effective lobby like the American Bankers Association. They do a marvelous job. They've got the most capable members, including members of this staff, who are working for them. So I'm concerned about that. Would a voluntary reserve requirements system with interest on reserves have a high probability of solving the membership problem? Wouldn't it be just a giveaway to the banks, with only a low probability of helping the declining reserve-deposit base? Mr. MILLER. Compared to noninterest bearing reserves, interest on reserves would obviously make membership more attractive, and it would seem to me we would have a more permanent solution. If you merely put some relief into effect now, but over time you found you only had legislated a stopgap solution--it seems to me the problem will come back. We'll have to face the same problem later, whether in terms of interest payments or lower reserves, or whatever. That's what I think. I think our proposal, which includes the Earnings Participation Account, has a better chance of avoiding the need for other proposals coming before this committee later on. The CHAIRMAN. Required reserves held at the Federal Reserve bank bear a remarkable resemblance to demand deposits at a commercial bank. Neither pays any interest. There is a prohibition against interest payment on demand deposits and no authorization for the Fed to pay interest on reserves. Also, both demand deposits and reserves can be drawn against by check. Section 19(f) of the Federal Reserve Act is clear on that. It says: The required balance carried by a member bank with a Federal Reserve bank may, under the regulations and subject to such penalties as may be presented by the Board of Governors of the Federal Reserve System, be checked against and withdrawn by such member banks for the purpose of meeting existing liabilities. So you have a law now on the books prohibiting the paying of interest on demand deposits and a corresponding action that the central bank doesn't pay interest on reserves. Given this marked resemblance, why should we allow interest payment on reserves as long as interest payment on demand deposits is prohibited? If we were to lift the prohibition on demand deposits, at least consumers would benefit. Just a little while ago, you pointed out that this committee voted to permit interest to be paid on demand deposits in connection with NOW accounts. I think that's consistent because NOW accounts would permit a kind of demand deposit to bear interest. Now we're being asked to lift the prohibition. I'd rather go ahead and pay interest on demand deposits without lifting the prohibition on demand deposits. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 80 Mr. MILLER. Senator, I understand this committee passed a provision in the NOW account bill that would allow interest payment on reserves with the Federal Reserve up to a certain limit. That was the point I was trying to make. The CHAIRMAN. Why couldn't we put that in this bill? Mr. MILLER. That's what the Earnings Participation Account is it seems to me. The CHAIRMAN. No; I'm talking about interest on demand deposits. Mr. MILLER. That could be placed in this bill or any bill. The issue of interest on demand deposits is a separate one, and perhaps an issue which needs separate consideration. It does involve different constituencies. I'm just pointing out that the prohibition of interest on demand depositis has resulted in, in recent timeswhen we're having, for the first time in peacetime history, higher rates of inflation and correspondingly the higher rates of interest that go along with higher inflation-in individuals and businesses finding ways to place deposits in accounts that do bear interest. So we have seen a shrinking in the use of noninterest bearing demand deposit accounts. We have seen it because of NOW accounts; we have seen it because of share drafts; we have seen it because of the automatic transfer service; and we have seen the use of - The CHAIRMAN. Here you have a situation where the saver who puts his money in the bank on demand deposit in the checking account gets no interest and the law prohibits him from getting interest. Now we're proposing that the bank be paid interest on their reserves, which is a kind of a checking account on which they can draw a check, but the depositor, the consumer, the average person who comes in and puts his money on deposit isn't allowed by law to get an interest payment. Mr. MILLER. I think that is a completely separate issue. The CHAIRMAN. I think they are very similar. Mr. MILLER. In fact, my argument is that the central bank now has authority to pay interest on reserves. The CHAIRMAN. To pay interest on demand deposits? Mr. MILLER. To pay interest on reserves. The CHAIRMAN. I beg your pardon. Mr. MILLER. The central bank is an agency of the Federal Government, and I think that's a different thing entirely. I just believe it would be a mistake to try to join that issue in this legislation, which is directed to monetary policy and the stucture of banking. The issue of whether individuals or businesses should receive interest on demand deposits is so separate and apart, that I think it would be inappropriate to get it mixed up with this issue. The CHAIRMAN. When Robert Carswell, Deputy Secretary of the Treasury, appeared before the Housing Banking Committee on H.R. 7, he said: In the current budget environment, a solution to the membership problem involving a revenue loss under $200 million, net of tax recoveries, is essential. We understand that the Committee staff estimates that the net cost of fully implemented H.R. 7 would be approximately $170 million. While this expense does not exceed the limit of acceptability, these next few years will be ones of budget stringency. Accordingly, we would encourage exploration of proposals that involve lower costs. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 81 - · The revenue loss of my bill, S. 85, is only $60 million after tax recovery. Yet it would solve the membership problem completely. Let me ask you a hypothetical question: If you did not have a binding constraint placed upon revenue loss by the Treasury, how much would you be willing to spend to solve the membership problem, keeping in mind the very serious inflation problem that faces the economy? Mr. MILLER. Mr. Chairman, I agree with the Treasury parameters. And because I know we don't live in an environment free of inflation and budgetary worries, I don't know I would be in favor of if we had no such worries. We do have those worries, and I think the Treasury limit is about right. I would not suggest, and we have not recommended, any program that would impact the Treasury any greater than that limit. The CHAIRMAN. Except that S. 85 as unmodified before the Fed did its handiwork, would have saved substantial amounts over what the Federal Reserve bill would. Mr. MILLER. Yes, but it would have done so at the cost of requiring more nonearning deposits from present nonmembers. If you look at page 17, S. 85 requires $500 million more in nonearning deposits from nonmembers than MOD-85. We were just trying to recognize the opposition to the mandatory concept, to minimize the burden, and to make the proposal more attractive to constituencies who have indicated concern. Yet we tried to do that within parameters the Treasury, and we ourselves, feel are reasonable. If your bill is passed by the Congress and enacted into law, I certainly agree with you that it would resolve the issue. We are saying that we think, from listening to the legitimate concerns of constituencies within the last 6 months, that we need a more generous arrangement if we are to have any chance of success. The CHAIRMAN. Now let me just ask one more question. The Board's staff study of the burden of membership estimated the burden on the basis of the cost of reserves, the benefits derived by the banks through free services, the benefits of access to the discount window, and the benefits of Federal Reserve float. Both S. 85 and H.R. 7 take the cost of the reserves and benefits and the discount window and free services into account, but they don't really handle the question of the benefit banks get from float. Float is now edging well over $5 billion a day compared to about $2 billion in 1975 and this cost the Treasury $200 to $300 million in lost revenue last year. The Board's pricing schedule doesn't take float into account. I have written you about my concerns about float and Governor Coldwell told the committee we would have a report this month about the float. Since float is a benefit of membership, why shouldn't we include a mandate in the legislation that the cost of float be kept low? Mr. MILLER. Mr. Chairman, you certainly are correct that for whatever reason float has been creeping up and has been unacceptably high recently. We intend to get it down and get it under control again, and we are going to report to you on this. But I would hate to see this legislation become a place for locking in details like that, which can be handled by our assurance to you to handle it and by our reports to you. I think we can handle it, but https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 82 we need the flexibility to determine whether we should reduce it to zero, whether we should price it. We could reduce it to zero. The CHAIRMAN. We have gotten assurances before from the Federal Reserve on float and the results, as I point out, have been bad, from $2 billion to $5 billion, despite the constant assurances and I'm not asking for a specific figure here. I'm simply asking for language in the legislation that would indicate that it's desirable to hold float down and it should be reduced. Mr. MILLER. We certainly concur with that objective. The CHAIRMAN. Well, thank you very, very much, Mr. Chairman, once again, for a superlative job of presentation and your being very responsive to our questions and we appreciate it. Mr. MILLER. Thank you, Mr. Chairman. [Whereupon, at 12:15 p.m., the hearing was adjourned.] [Copies of the bills being considered and Chairman Miller's statement and attachments follow:] https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 83 96TH CONGRESS 1ST SESSION s• 85 To amend the Federal Reserve Act to provide for maintenance of reserves in order to facilitate the implementation of monetary policy, to promote competitive equality among depository institutions, to require the imposition of service charges for services by Federal Reserve banks, and for other purposes. IN THE SENATE OF THE UNITED STATES JANUARY Mr. 18 (legislative day, JANUARY 15), 1979 introduced the following bill; which was read twice and referred to the Committee on Banking, Housing and Urban Affairs PROXMIRE .A BILL To amend the Federal Reserve Act to provide for maintenance of reserves in order to facilitate the implementation of monetary policy, to promote competitive equality among depository institutions, to require the imposition of service charges for services by Federal Reserve banks, and for other purposes. 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 be cited as the "Monetary Policy Im4 provement Act of 1979". II-E https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 84 1 2 DEFINITIONS SEC. 2. Section 19(a) of the Federal Reserve Act (12 3 U.S.C. 461(a)) is amended by adding at the end thereof the 4 following new paragraphs: 5 "The term 'depository institution' means- 6 7 "(1) any insured bank as defined in section 3 of the Federal Deposit Insurance Act; "(2) any mutual savings bank as defined in section 8 9 3 of the Federal Deposit Insurance Act; "(3) any savings bank as defined in section 3 of 10 11 the Federal Deposit Insurance Act; 12 13 "(4) any insured credit union as defined in section 101 of the Federal Credit Union Act; "(5) any member as defined in section 2 of the 14 15 Federal Home Loan Bank Act; "(6) any insured institution as defined in section 16 17 401 of the National Housing Act; and 18 "(7) for the purpose of section 13 and the four- 19 teenth paragraph of section 16, any association or 20 entity which is wholly owned by or which consists only 21 of institutions referred to in clauses (1) through (6). 22 "The term 'bank' means any insured or noninsured 23 bank, as defined in section 3 of the Federal Deposit Insur24 ance Act, other than a mutual savings bank or a savings https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 85 1 bank as defined in section 3 of the Federal Deposit Insurance 2 Act. 3 "The term 'transaction account' means a deposit or ac- 4 count on which the depositor or account holder is allowed to 5 make withdrawals by negotiable or transferable instrument or 6 other similar item for the purpose of making payments to 7 third persons or others. Such term includes demand deposits, 8 negotiable order of withdrawal accounts, savings deposits 9 subject to automatic transfers, and share draft accounts. 10 "In order to prevent evasions of the reserve require- 11 ments imposed by this Act, after consultation with the Board 12 of Directors of the Federal Deposit Insurance Corporation, 13 the Federal Home Loan Bank Board, and the National 14 Credit Union Administration Board, the Board of Governors 15 of the Federal Reserve System is further authorized to deter16 mine, by regulation or order, that an account or deposit is a 17 transaction account if such account or deposit may be used to 18 provide funds directly or indirectly for the purpose of making 19 payments or tranfers to third persons or others.". 20 21 REPORTING REQUIREMENTS SEC. 3. Section ll(a) of the Federal Reserve Act (12 22 U.S.C. 248(a)) is amended by adding at the end thereof the 23 following new paragraph: 24 "The Board may require any depository institution 25 specified in this paragraph to make, at such intervals as the https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 86 1 Board may prescribe, such reports of its liabilities and assets 2 as the Board may determine to be necessary or desirable to 3 enable the Board to discharge its responsibility to monitor 4 and control monetary and credit aggregates. Such reports 5 shall be made (1) directly to the Board in the case of member 6 banks and in the case of other depository institutions for all 7 liabilities subject to reserve requirements, and (2) for all other 8 reports to the Board through the (A) Federal Deposit Insur9 ance Corporation in the case of insured State nonmember 10 banks, savings banks, and mutual savings banks, (B) National 11 Credit Union Administration Board in the case of insured 12 credit unions, (C) Federal Home Loan Bank Board in the 13 case of any institution insured by the Federal Savings and 14 Loan Insurance Corporation or which is a member as defined 15 in section 2 of the Federal Home Loan Bank Act, and (D) 16 such State officer or agency as the Board may designate in 17 the case of any other type of bank, savings and loan associ18 ation, or credit union. The Board shall endeavor to the maxi19 mum extent feasible to avoid unnecessary burdens on report20 ing institutions and the duplication of other reporting require21 ments, and any data therefrom shall be made readily availa22 ble to the Board. The Board may classify depository institu23 tions for the purposes of this paragraph and may impose dif24 ferent requirements on each such class.". https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 87 1 2 RESERVE REQUIREMENTS SEC. 4. Section 19(b) of the Federal Reserve Act (12 3 U.S.C. 461(b)) is amended to read as follows: 4 "(b)(l) Every bank shall maintain reserves against that 5 portion of the total of its demand deposits and transaction 6 accounts in excess of $40,000,000 in the ratio of 13 per 7 centum, or in such other ratio not greater than 14 per 8 centum and not less than 12 per centum, as the Board may 9 by regulation prescribe solely for the purpose of implement10 ing monetary policy. 11 "(2) Every bank shall maintain reserves against that 12 portion of its time and savings deposits in excess of 13 $40,000,000 in a ratio of14 "(A) 6 per centum against time deposits with ini- 15 tial maturities of one hundred and seventy-nine days or 16 less or in such other ratio not less than 4 per centum 17 or more than 8 per centum, as the Board may by regu- 18 lation prescribe solely for the purpose of implementing 19 monetary policy; and 20 "(B) 1 per centum against time deposits with ini- 21 tial maturities of one hundred and eighty days or more 22 or in such other ratio not less than one-half of 1 per 23 centum or more than 2 per centum, as the Board may 24 by regulation prescribe solely for the purpose of imple- 25 menting monetary policy; and https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 88 1 "(C) 3 per centum against savings deposits other 2 than transaction accounts or in such other ratio not 3 less than 1 per centum or more than 5 per centum, as 4 the Board may by regulation prescribe solely for the 5 purpose of implementing monetary policy. 6 In determining its reserve requirement under this paragraph, 7 a bank shall apply the $40,000,000 exemption provided 8 herein in proportion to the distribution of its aggregate time 9 and savings deposits among (i) time deposits with initial ma10 turities of one hundred and seventy-nine days or less, (ii) time 11 deposits with initial maturities of one hundred and eighty 12 days or more, and (iii) savings deposits other than transaction 13 accounts, as reported in the bank's most recent report of con14 dition. 15 "(3) Every depository institution other than a bank shall 16 maintain reserves against that portion of its transactions ac- 17 counts in excess of $40,000,000 in the ratio of 13 per 18 centum, or in such other ratio not greater than 14 per 19 centum and not less than 12 per centum as the Board may by 20 regulation prescribe solely for the purpose of implementing 21 monetary policy. 22 "(4) Upon a finding by the Board that extraordinary 23 circumstances require such action, the Board may impose re24 serve requirements outside the limits otherwise prescribed by 25 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis LIBRARY 89 1 may be extended for further periods not exceeding thirty days 2 by affirmative action by the Board in each instance. The 3 Board shall ptomptly transmit to the Congress a report of 4 any exercise of its authority under this subsection and the 5 reasons for such exercise. 6 "(5) If the Board determines that such action is neces- 7 sary to the implementation of monetary policy, then in addi8 tion to any reserves required to be maintained pursuant to 9 p~ragraphs (1), (2), and (3) of this subsection, any bank sub10 ject to reserve requirements shall maintain reserves in such 11 ratios as the Board may prescribe against net balances owed 12 by domestic offices of banks in the United States to their 13 directly related foreign offices and to nonrelated foreign 14 banks and against their borrowing based on loans to United 15 States residents made by overseas offices of banks with of16 fices in the United States, and assets (including participa17 tions) held by foreign offices of banks in the United States 18 acquired from their domestic offices. 19 "(6) During any period that a depository institution is 20 maintaining reserves pursuant to this section, such depository 21 institution shall be entitled to all the privileges of member22 ship in the Federal Reserve System except that, if it is not 23 otherwise a member, it may not hold stock in, or vote for any 24 director of, a Federal Reserve bank. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 90 1 "(7) A nonmember bank not maintaining reserves pur- 2 suant to this section shall be entitled to the same discount 3 and borrowing privileges as member banks except that the 4 Board as a condition of access to or maintenance of such 5 privileges may require certification of solvency of such bank 6 from the Federal Deposit Insurance Corporation. 7 "(S)(A) With respect to any depository institution that is 8 not a member of the Federal Reserve System on August 30, 9 1978, the required reserve imposed pursuant to this section 10 on the effective date shall be reduced by 75 per centum 11 during the first year that begins after the effective date, 50 12 per centum during the second year, and 25 per centum 13 during the third year: Provided, however, That the reduction 14 in required reserves may be increased in any year and ex15 tended for up to two additional years for any nonmember 16 depository institution whenever the Board determines, pursu17 ant to regulation, that the application of the reserve require18 ments provided in this section would seriously impair the 19 safety and soundness of such institution. 20 "(B) With respect to any member bank, the amount of 21 required reserves imposed pursuant to this section on the ef22 fective date that exceeds the amount of required reserves 23 maintained during the reserve computation period immedi24 ately preceding the effective date shall be reduced by 75 per 25 centum during the first year that begins after the effective https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 91 1 date, 50 per centum during the second year, and 25 per 2 centum during the third year: Provided, however, That the 3 reduction in required reserves may be increase_d in any year 4 and extended for up to two additional years for any member 5 bank whenever the Board determines, pursuant to regulation, 6 that the application of the reserve requirements provided in 7 this section would seriously impair the safety and soundness 8 of the bank. 9 "(9) In order to provide for an orderly transition period, 10 the Board may implement, on a gradual basis over a period 11 of forty-eight months, the decreases in reserve requirements 12 imposed by this section on member banks from those reserve 13 requirements applicable on the effective date of this section. 14 "(10) In the case of affiliated banks and affiliated non- 15 bank depository institutions, the total deposit liabilities 16 exempted from reserve requirements pursuant to subsections 17 (1), (2), and (3) shall not exceed in the aggregate for such 18 affiliated groups the product resulting from multiplying the 19 number of institutions in such affiliated group on August 1, 20 1978, by $40,000,000 for each such exemption, provided 21 that no more than $40,000,000 shall be exempted under 22 each such exemption at any individual bank or nonbank de23 pository institution.". 44-240 0 - 79 - 7 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 92 1 2 FORM OF RESERVES SEC. 5. Section 19(c) of the Federal Reserve Act, as 3 amended (12 U.S.C. 461) is amended to read as follows: 4 "Reserves held by a depository institution to meet the 5 requirements imposed pursuant to subsection (b) of this sec6 tion shall be in the form of7 "(1) balances maintained for such purposes by 8 such depository institution in the Federal Reserve bank 9 of which it is a member or at which it maintains an 10 account. However, the Board may, by regulation or 11 order, permit depository institutions to maintain all or 12 a portion of their required reserves in the form of vault 13 cash: Provided, That such proportion shall be identical 14 for all depository institutions; and 15 "(2) balances maintained by a nonmember deposi- 16 tory institution in a bank that maintains required re- 17 serve balances at a Federal Reserve bank, in a Federal 18 home loan bank, or in a central liquidity facility for 19 credit unions: Provided, That such bank, Federal home 20 loan bank, or central liquidity facility maintains such 21 funds in the form of balances in a Federal Reserve 22 bank of which it is a member or at which it maintains 23 an account. Balances reeeived by a bank from another 24 depository institution that are used to satisfy the re- 25 serve requirement unposed on such dcpo.sitt:,>' institu- https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis . 93 1 tion by this section shall not be subject to the reserve 2 requirements of this section imposed on such bank, and 3 shall not be subject to assessment imposed on such 4 bank, pursuant to section 7 of the Federal Deposit In- 5 surance Act.". 6 PRICING OF SERVICES 7 SEC. 6. The Federal Reserve Act is amended by insert- s ing after section 11 (12 U.S.C. 248) the following new sec- 9 tion: 10 "SEC. llA. Not later than July 1, 1979, the Board 11 shall publish for public comment a set of pricing principles 12 and a proposed schedule of fees for Federal Reserve System 13 services; and not later than July 1, 1980, the Board shall put 14 into effect a schedule of fees for such services based on those 15 principles. The principles published by the Board shall insure 16 that all depository institutions be able to purchase the serv17 ices provided by the Federal Reserve System on the same 18 terms and conditions. Such pricing principles shall take into 19 account the taxes that would be paid and the capital costs 20 that would be incurred if privately owned organizations pro21 vided similar services, and shall give due regard to competi22 tive factors and the provision of an adequate level of such 23 services nationwide.". https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 94 1 2 COMMITTEE ON MONEY SUBSTITUTES SEC. 7. (a) The Board of Governors of the Federal Re- 3 serve System (hereinafter referred to as the "Board") shall 4 establish a committee on reserve requirements for money 5 substitutes, including bank and nonbank liabilities that are 6 substitutes for demand deposits. 7 (b) The committee shall be composed of five members 8 appointed by the Board. In making appointments to the com9 mittee, the Board shall select individuals with broad back10 grounds in monetary affairs, economic policy, or finance and 11 who are not employed by the United States Government or 12 employees, officers, or directors of a Federal Reserve bank. 13 (c) The committee shall conduct a thorough study and 14 investigation of the need for legal reserve requirements 15 against short-term liabilities of bank and nonbank depository 16 institutions, and other financial institutions offering short17 term money substitutes, and recommend appropriate adminis18 trative actions and legislation. Among other things the oom19 mittee shall be directed to examine20 (1) the need for reserve requirements against 21 short-term money substitutes such as nonbank "Fed- 22 eral funds", security repurchase agreements, Eurodol- 23 lars, security dealer repurchase agreements, liquid 24 asset mutual funds, cash management services, and 25 travelers checks; https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 95 1 (2) the appropriate level of reserve requirements 2 against each type of short-term money substitutes; and 3 (3) the need for the Federal Reserve Board to 4 have flexibility to change reserve requirements against 5 such money substitutes in order to execute monetary 6 policy. 7 8 AUTHORITY OF STATE BANK SUPERVISORS SEC. 8. Nothing in this Act or in the amendments made 9 by this Act shall be construed in derogation of the authority 10 of any officer or agency of State over any institution orga11 nized or existing under the laws of such State. 12 13 EFFECTIVE DATES SEC. 9. This Act shall take effect on the date of enact- 14 ment, except that the amendments made by sections 4 and 5 15 of this Act shall take effect on the first day of the sixth calen16 dar month which begins after the date of enactment of this 17 Act. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 0 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 97 96TH CONGRESS 1ST SESSION s 353 e To facilitate the development and implementation of monetary policy; to reduce and restructure reserve requirements; and to provide for the maintenance of reserves by member banks and other depository institutions in Earnings Participation Accounts at the Federal Reserve banks. IN THE SENATE OF THE UNITED STATES FEBRUABY 6 (legislative day, JANUABY 15), 1979 Mr. TOWER introduced the following bill; which was read twice and referred to the Committee on Banking, Housing and Urban Affairs A BILL To facilitate the development and implementation of monetary policy; to reduce and restructure reserve requirements; and to provide for the maintenance of reserves by member banks and other depository institutions in Earnings Participation Accounts at the Federal Reserve banks. 1 Be it enacted by the Senate and House of Representa- 2 tives of the United States of America in Congress assembled, 3 SECTION 1. This Act may be cited as the "Federal Re- 4 serve Modernization Act of 1979". 5 SEC. 2. Section ll(a) of the Federal Reserve Act (12 6 U.S.C. 248(a)) is amended (1) by inserting "(1)" immediately II-E https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 98 1 after "(a)", and (2) by adding at the end thereof the following 2 new paragraph: 3 "(2) To require any depository institution specified in 4 this paragraph to make, at such intervals as the Board may 5 prescribe, such reports of its liabilities and assets as the 6 Board may determine to be necessary to enable the Board to 7 discharge its responsibility to monitor and control monetary 8 and credit aggregates. Such reports shall be made (A) direct.9 ly to the Board in the case of member banks and in the case 10 of other depository institutions which maintain reserves pur11 suant to section 19 of this Act and (B) to the Board through 12 the (i) Federal Deposit Insurance Corporation in the case of 13 insured State nonmember banks, (ii) National Credit Union 14 Administration in the case of insured credit unions, (iii) Fed15 era! Home Loan Bank Board in the case of any institution 16 insured by the Federal Savings and Loan Insurance Corporal 7 tion or which is a member as defined in section 2 of the 18 Federal Home Loan Bank Act, and (iv) such State officer or 19 agency as the Board may designate in the case of any other ·20 type of bank, savings and loan association, or credit union. 21 The Board shall endeavor to avoid unnecessary burdens on 22 reporting institutions and, insofar as possible, use reports re23 quired by the Federal agencies mentioned above or the ap24 propriate State bank supervisory authority, and' any data 25 therefrom shall be made readily available to the Board. The https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 99 1 Board may classify depository institutions for the purposes of 2 this paragraph, and may impose different requirements on 3 each such class.". 4 SEC. 3. (a) The last sentence of subsection (b) of section 5 19 of the Federal Reserve Act (12 U.S.C. 461) is designated 6 as paragraph (7) and that part of subsection (b) that precedes 7 that sentence is amended to read as follows: 8 "(b)(l) Every member bank shall maintain reserves 9 against its demand deposits in such ratio, not less than 3 per 10 centum nor more than 10 per centum, as shall be determined 11 by the Board. 12 "(2) Every member bank shall maintain reserves against 13 its time deposits of less than one hundred and eighty days in 14 maturity and savings deposits in such ratio, not less than 1 15 per centum nor more than 7 per centum, as shall be deter16 mined by the Board. 17 "(3) Member banks shall not be required to maintain 18 reserves against time deposits with initial maturities of one 19 hundred and eighty days or more. 20 "(4) In setting the reserve ratios under paragraphs (1) 21 through (2) of this subsection, the Board shall establish uni22 form ratios applicable to all member banks. 23 "(5) Any nonmember depository institution may main- 24 tain reserves at a Federal Reserve bank: Provided, That such https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 100 1 institution complies with the same reserve standards applica2 ble to member banks under this section. 3 "(6) Except as provided in paragraph 3 of section 13 of 4 the Federal Reserve Act; any nonmember depository institu5 tion not maintaining reserves in accordance with this section 6 shall not be eligible to receive Federal Reserve bank serv7 ices: Provided, however, That this prohibition does not re8 strict a nonmember depository institution from receiving indi- 9 rectly the benefits of such services through the maintenance 10 of a correspondent or similar relationship with a member 11 bank.". 12 (b) Section 19(c) of the Federal Reserve Act (12 U.S.C. 13 461) is amended to read as follows: 14 "(c) Reserves held by any member bank to meet the 15 requirements imposed pursuant to subsection (b) of this sec16 tion or by any nonmember depository institution voluntarily 17 complying with such reserve standards shall be in the form 18 of19 20 21 22 "(1) balances maintained for such purpose by such institution at a Federal Reserve bank, and "(2) the currency and coin held by such institution. 23 A member bank or a nonmember depository institution com24 plying with this section may" maintain an amount equal to its 25 total reserves determined under paragraphs (1) and (2) of https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 101 1 subsection (b), less its vault cash, in an Earnings Participa2 tion Account at a Federal Reserve bank. The Earnings Par3 ticipation Account of a depository institution shall earn inter4 est at a rate one-half per centum below the average rate 5 earned on the securities portfolio of the Federal Reserve 6 System during the calendar quarter immediately preceding 7 the interest payment date. The Board is authorized to adopt 8 rules and regulations relating to the maintenance and admin9 istration of Earnings Participation Accounts.". 10 SEC. 4. The Federal Reserve Board shall implement the 11 reserve requirements imposed by section 2 and establish 12 Earnings Participation Accounts provided for in that section 13 in an orderly transition period, within four years after the 14 effective date of this Act. 15 SEC. 5. This Act shall become effective ninety days 16 after enactment. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 0 102 For release on delivery Expected at 10 a,m. E,S,T. February 26, 1979 Proposals to Facilitate the Implementation of Monetary Policy and to Promote Competitive Equality Among Depository Institutions Statement by G. William Miller Chairman, Board of Governors of the Federal Reserve System before ·the Committee on Banking, Housing and Urban Affairs https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis United States Senate February 26, 1979 103 Mr. Chairman, members of the Committee, the nation's financial system has been undergoing rapid change in recent years, altering the competitive environment in banking and other financial markets and complicating the Federal Reserve's ability to implement monetary policy. These developments are well known to the Committee. Nonmember depository institutions have been growing much more rapidly than member banks. Transactions-type deposit accounts have become more widespread at thrift institutions. And, in general, competition among depository institutions and between those institutions and the open market has become much more intense. Increased competition enhances the efficiency of the financial system. But, as a result, banks have been re-assessing their costs and many have become less willing to bear the high cost of cash reserve requirements associated with being a member of the Federal Reserve System. Thus, there has been a steady--and in recent years accelerating--decline in the proportion of bank deposits, especially transaction deposits, subject to Federal reserve requirements. Moreover, the continued development of new transactions-type deposits at nonbank depository institutions will further worsen this situation. IEVELOPMENTS WEAKEN MONETARY CONTROL It is essential that the Federal Reserve maintain adequate control over the monetary aggregates if the nation is'to succeed in its efforts to curb inflation, sustain economic growth, and maintain the value of the dollar in international exchange markets. The attrition in deposits subject to reserve requirements set by the Federal Reserve weakens the linkage between member bank reserves and https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 104 the monetary aggregates. As a larger and larger fraction of deposits at banks becomes subject to the diverse reserve requirements set by the 50 states rather than by the Federal Reserve, and as more transactions balances reside at thrift institutions, the relationship between the money supply and reserves controlled by the Federal Reserve will become less and less predictable, and the instruments of monetary policy will become less precise in their application. Our staff has attempted to assess the extent to which growth of deposits outside the Federal Reserve System would weaken the relationship between·reserves and money. Their tentative results are shown in Chart I, which depicts the greater range of short-run variability in M-1 and M-2, with a given level of bank reserves, that would develop as the per cent of deposits held outside the Federal Reserve rises. As more and more deposits are held outside the System, this chart suggests that control of money through the reserve base becomes increasingly uncertain. USE OF RESERVE REQUIREMENTS HAS BEEN RESTRICTED With the proportion of banks subject to Federal reserve requirements declining, the ability of the central bank to use changes in reserve requirements as a tool of monetary policy has been increasingly undermined. Changes in reserve ratios not only affect a smaller proportion of deposits today than in the past, but the Board also must weigh the potential impact of its actions on the membership problem--end hence on its ability to maintain monetary control over the longer run-~ach time it deliberates on the uses of this tool. Such https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 105 concerns inhibit the Board's freedom of action to conduct monetary policy. If reserve requirements were applied universally, as is proposed in S.85, adjustments in reserve ratios to affect the availability of credit throughout the country, or to influence banks' efforts concerning particular types of deposits, may again become a more viable monetary instrument. Moreover, while open market operations in U.S. Government securities currently provide the Federal Reserve with a powerful policy instrument, it is possible that conditions could develop in the future--such as a less active market for U.S. Government securities in a period of reduced Federal budgetary deficits--where more flexible adjustment of reserve requirements might become more necessary to control the 1l)Onetary aggregates • • • • AS HAS BEEN THE DISCOUNT WINDOW The effectiveness of the Federal Reserve's administration of the discount window also has been potentially compromised by recent developments. Membership attrition and the growth of trans- actions balances at nonbank depository institutions have resulted in a shrinking proportion of the financial system having immediate access to the discount window on a day-to-day basis. The discount window, as the "lender of last resort," provides the payments system with a basic liquidity backup by assuring member banks the funds to meet their obligations. But, if the proportion of institutions having access to this facility continues to decline, individual institutions could be forced to make abrupt adjustments https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 106 in their lending or portfolio policies, because they could not turn to the window to cushion temporarily the impacts of restrictive monetary policies. Risks that liquidity squeezes would result in bank failures could also increase. Thus, the Federal Reserve may find that its ability to limit growth in money and credit in order to curb inflation was being unduly impeded.because the safety valve provided by the discount window was gradually losing its effective coverage • • • • AND THE PAYMENTS SYSTEM FACES DETERIORATION The growth of transactions balances at institutions that do not have access to Federal Reserve clearing services also could lead to a deterioration of the quality of the nation's payments system. Reserve balances held at Federal Reserve Banks are the foundation of the payments mechanism, because these balances are used for making payments and settling accounts between banks. Nonmember deposits at correspondent banks can serve the same purpose, but as more and more of the deposits used for settlement purposes are held outside the Federal Reserve, the banking system becomes more exposed to the risk that such funds might be immobilized if a large correspondent bank outside the Federal Reserve experienced substantial operating difficulties or liquidity problems. A liquidity crisis affecting such a large clearing bank could have widespread damaging effects on the banking system as a whole because smaller banks might become unable to use their clearing balances in the ordinary course https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 107 of business. The Federal Reserve, of course, is not subject to liquidity risk and therefore serves, as Congress intended, as a safe foundation for the payments mechanism. In sum, the major functions of the Federal Reserve System-to conduct monetary policy in the public interest, to provide backup liquidity and flexibility to the financial system, and to assure a safe and efficient payments mechanism--all have been undermined by recent developments. These developments include, as was noted earlier, attrition in Federal Reserve membership and the spreading of third-party payment powers to nonbank institutions. DECLINE IN SYSTEM MEMBERSHIP For more than 25 years there has been a continual decline in the proportion of commercial banks belonging to the Federal Reserve. The downward trend in the number of member banks has been accompanied by a decline in the proportion of bank deposits subject to Federal reserve requirements, as may be seen from Chart II. As of mid-1978, member banks held less than 72 per cent of total commercial bank deposits, down about 9 percentage points since 1970. Thus, more than one-fourth of commercial bank depo'sits--and over threefifths of all banks--are outside the Federal Reserve System. DUE TO THE EXCESSIVE COST OF MEMBERSHIP The basic reason for the decline in membership is the financial burden that membership entails. Most nonmember banks and thrift institutions may hold their required reserves in the form of earning 44-240 0 - 79 - 8 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 108 assets or in the form of deposits (such as correspondent balances) that would be held in the normal course of business. Member banks, by contrast, must keep their required reserves entirely in nonearning form. The cost burden of Federal Reserve membership thus consists of the earnings that member banks forego because of the extra amount of non-earning assets that they are required to hold. Of course, member banks are provided with services by Reserve Banks, but the value of these services is insufficient to close the earnings gap between member and nonmember banks. The Board staff estimates that the aggregate cost burden to member banks of Federal Reserve membership exceeds $650 million annually, based on data for 1977, or about 9 per cent of member bank profits before income tax. The burden of membership is not distributed equally across all sizes of member banks. According to staff estimates, shown in the lower panel of Chart III, the relative burden is greatest for small banks--exceeding 20 per cent of profits for banks with less than $10 million in deposits. Further reductions of reserve require- ments within existing statutory limits would do little to eliminate the burden for most classes of banks, especially for the smaller banks. INEQUITY OF COST BURDEN BORNE BY MEMBER BANKS The current regulatory structure is arbitrary and unfair because it forces member banks to bear the full burden of reserve requirements. Only member banks must maintain sterile reserve balances, while nonmember banks, which compete with members in the https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 109 same markets for loans and deposits, and thrift institutions, which increasingly are competing in the same markets, do not face similar requirements. Thus, members are at a competitive disadvantage relative to other depository institutions. Among the major countries in the free world, only in the United States has this legislated inequity been imposed on the commercial banking system. It is no wonder that member banks continue to withdraw from the Federal Reserve. SPREAD OF THIRD-PARTY PAYMENT POWERS At the same time, the spread of third-party powers to thrift institutions is further increasing the proportion of transactions balances outside the control of the Federal Reserve. Commercial banks' virtual monopoly on transactions accounts, maintained in the / past because of their ability to offer demand deposits, is being eroded. Moreover, recent financial innovations have led to widespread use of interest-bearing transactions accounts at both nonbank depository insitutions and commercial banks. These developments have increased both the costs and competitive pressures on banks, no doubt compelling members to reevaluate the costs and benefits of membership and thus playing a significant role in membership withdrawals. The payments innovations since 1970 have received widespread attention, and include limited pre-authorized "bill-payer" transfers as well as telephone transfers from savings accounts at banks and savings and loan associtions, NOW accounts at practically all depository institutions in New England, credit union share drafts, automatic transfers from savings deposits, and the use of electronic terminals to make immediate transfers to and from savings accounts. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 110 Growth of these transactions-related interest-bearing deposits has been most dramatic in recent years. For example, NOW accounts in New England have grown from practically zero in 1974 to 8 per cent of the region's household deposit balances in mid-1978, as shown in Chart IV, and one-third of these NOW deposits are at thrift institutions. The intense competition engendered by the introduction of NOW accounts has been accompanied by an acceleration of member bank attrition in New England to a rate well beyond that of the nation, as shown in Chart V. This increase in member bank withdrawals is clearly not just coincidental. There is no sign that the intense competition will abate. As shown in Chart VI, savings accounts authorized for automatic transfer have grown rapidly at commercial banks across the country since their introduction November 1; and in New York, NOW accounts, which were authorized November 10 for all depository institutions in the State, have been increasing vigorously. In addition, the Federal Home Loan Bank Board has announced its intention to authorize savings and loan associations to offer Payment Order Accounts, or POAs, which are interest-bearing deposits that can serve many of the same functions as NOWs. These developments have caused the distinctions among banks and thrifts with respect to the "moneyness" of their deposits to become increasingly blurred and have prompted the Federal Reserve to reevaluate its existing measures of the monetary aggregates and to propose redefinitions to reflect the changing institutional environment. The most basic measure of transactions balances, https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 111 M-1, clearly should include more than just currency and commercial bank demand deposits. And, the broader aggregates should be redefined to emphasize distinctions by type or function of deposit rather than by the institution in which the deposit is held. Changing the money measures to reflect economic reality, including the wider role played by depository institutions other than member banks in the monetary system, would be complemented by legislation for universal reserve requirements. LEGISLATIVE PROPOSALS POINT IN THE RIGHT DIRECTION The Board appreciates the priority attention given by the Committee to the important issues of improving monetary control and reducing the inequities in markets in which depository institutions are competing. The legislative proposals set furth by Chairman Proxmire and Senator Tower represent constructive approaches. As was indicated in the last session of Congress, the Board prefers the universal approach of s.85. This bill proposes universal Federal reserve requirements by establishing reserve ratios applicable to all deposits at commercial banks and to transactions balances at thrift institutions. The defini- tion of transactions accounts includes not only demand deposits, but also the growing number of new third-party payments accounts. Such an approach puts all depository institutions of similar size on an equal competitive basis in the market for transactions deposits. The exemption from any reserve requirement of the first $40 million of transaction balances at all institutions and the first $40 million of other deposits https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 112 at commercial banks would eliminate the competitive burden of reserve requirements on small institutions while increasing slightly from present levels the proportion of commercial bank deposits subject to Federal r~serverequirements. This approach helps assure the continua- tion of the reserve structure needed for the efficient conduct of monetary policy. Under this legislation thrift institutions with reservable transactions accounts and all commercial banks would have access to the Federal Reserve discount window. The Federal Reserve could then act as a "lender of last resort" to a broader class of depository institutions and thereby enhance the overall safety and soundness of the depository system, as well as providing more flexibility to financial institutions to respond to changing monetary policy. The bill also gives all depository institutions access to other Federal Reserve services. With the application of an appro- priate price schedule for such services, this action would improve the efficiency of the payments mechanism which underlies all of the nation's ecnomic transactions. But it should be emphssized that open access to System services, desirable as it may be, is only practicable if the membership problem is resolved, as S.85 does in principle. Without resolution of the membership problem, open access for all institutions at explicit prices would only exacerbate the problem and lead to even greater reduction in the Federal Reserve's deposit coverage, since services would be available to nonmembers that would not bear the burden of sterile reserves. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 113 Thus, as Senator Tower has recognized in his bill, a voluntary approach to solving the membership problem must make it clear that the Federal Reserve has the authority to continue to restrict access to System services. BUT CERTAIN MODIFICATIONS OF S.85 ARE DESIRABLE The various features of S.85 redress much of the growing competitive inequity among financial institutions and provide a framework for enhancing the implementation of monetary policy. However, we believe that certain modifications are desirable in order to exploit mor~ fully the potential for improved monetary control offered by this approach and to strike a better balance among the legitimate concerns and interests of the various consitituencies affected by this legislative compromise. First, while the $40 million exemptions in this legislation would mean that the proportion of deposits subject to direct Federal Reserve control would increase slightly from current levels, we feel that there are important benefits for monetary control in increasing that coverage even further. The Board has a proposal which will provide additional coverage, and hence further enhance monetary control, while at the same time preserving for all depository institutions the earnings protection contained in S.85. PARTICIPATION IN FEDERAL RESERVE EARNINGS FOR EXEMPTED DEPOSITS The Board's proposed modification involves establishment of an "Earnings Participation Account" which would result in more institutions maintaining balances at the Federal Reserve; however, their earnings capacity would be protected because the Earnings https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 114 Participation Account would accrue inferest at the rate earned by the Federal Reserve on its portfolio of securities. To reduce the record-keeping burden, small institutions could be excluded from having to hold this account. This exclusion could amount to the first $10 million of transactions deposits at_each institution and $10 million of other deposits at each connnercial bank. For banks, with respect to all deposits, and for other depository institutions, with respect to transactions deposits, their Earnings Participation Account would be held against deposits above the $10 million exclusion and up to the amount of the exemption level, which would be $40 million in the case of S.85. The size of this Earnings Participation Account for each deposit category would equal the reserve ratio applicable to deposits in this category times the amount of deposit liabilities between $10 million and the exemption level. To the extent that an institution holds vault cash in excess of its required reserves on nonexempt deposits, the size of the Earnings Participation Account would be reduced correspondingly. The return on this account would be equivalent to the average return on the Federal Reserve's portfolio, which includes both short- and long-term securities. Some years this return might be higher than banks would earn on other assets--which are likely to be a combination of loans and liquid instruments--and some years less. On average, over time, there should be little difference. It should be noted that Senator Tower's S.353 does provide for establishment of an Earnings Participation Account. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis However, the 115 estimated cost to the Treasury of tsis bill is considerably greater tban other proposals being considered. YIELDS EXPANDED COVERAGE, MORE EARNINGS PROTECTION Chart VII compares the impacts of the Board's proposal with S.85 and with the current reserve system. As can be seen in the upper left-hand panel, the Board''s modification has the advantage of increasing the proportion of commercial bank transactions deposits covered by an account at the Federal Reserve-from the present 73 per cent, and about 75 per cent under S.85, to 94 per cent. This would be accomplished even though the $10 million exclusion would mean that 45 per cent of all commercial banks, as well as virtually all thrifts, would not be required to hold any account at the Federal Reserve. It is worth emphasizing that now is the appropriate time to bring transactions-type deposits at thrifts under reserve requirements. It will be several years, at least, before any significant number of thrift institutions would actually have to hold non-earning reserves at the Fed. Currently, less than a dozen thrift institutions have deposits in excess of the $40 million exemption of S.85, and all have vault cash considerably greater than the reserve requirement that would apply to such deposits. RESERVE REQUIREMENTS While the Board does not strongly object to the particular reserve requirement ratios specified in S.85, it would, assuming the other elements of the proposal are adopted, prefer somewhat lower ratios, on average. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Lower average reserve requirements on demand 116 and time and savings deposits at commercial banks would provide for more equitable treatment, as thrift institutions are not subject to any reserve requirements on non-transactions deposits under the proposed bill. The exact set of reserve ratios that would balance equity considerations against the loss of Treasury revenue and the need for flexible and effective instruments of monetary policy is, of course, a matter of judgment. There is much to be said for complete equality of treatment between banks and thrift institutions with respect to reserve requirements. This approach would argue, on the one hand, for reducing further the reserve requirements on all non-transactions time and savings deposits at connnercial banks, even to zero. But such reductions would be very costly to the Treasury and would also eliminate reserve requirements on time deposits as a policy instrument; the flexibility to vary those requirements has proven useful in the past as a means of influencing banks' liability management and international flows of funds. Complete equality of treatment could also be obtained, on the other hand, by imposing reserve requirements on thrifts' time and savings deposits that are the same as those borne by banks. But this has the disadvantage of being very costly to thrift institutions, who are, in any event, coming under earnings pressure in the current period of relatively high short-term interest rates. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 117 Thus, the Board believes that the reserve requirement structure suggested in the House bill proposed by Representative Reuss (H,R,7) may be a reasonable compromise, The Board also would not oppose an increase in the exemption level to the $50 million in H,R.7, as long as the modified bill included the establishment of an Earnings Participation Account. With lower reserve requirements and a higher exemption level, more connnercial banks would effectively be on the same footing as the thrift institutions with which they compete, in the sense that neither would be forced to hold non-interest earning reserves against their deposits, As shown in the right-hand upper panel of the chart, the number of banks holding sterile reserve balances at Federal Reserve Banks would be sharply reduced from the current level of 5,664 to an estimated 656 under the Board modification. This number is somewhat lower than the estimated 796 banks which would be required to hold nonearning reserves at Federal Reserve Banks under S,85. The reserve requirement structures of S.85 and H.R.7 are: DeEosit CatesorI Transactions deposits Reserve Ranses {Eer cent) s.85 H.R.7 12 to 14 (13 initially) 8 to 10 (9.5 initially) Short-term time deposits 4 to 8 6 initially) 3 to 8 8 initially) Savings deposits 1 to 5 ( J initially) 1 to 3 ( 3 initially) Long-term time deposits ½ to 2 1 to 3 1 initially) ( l initially) The Board believes that it is particularly important to have a somewhat lower reserve requirement on transactions deposits than under s.85 so as to minimize the incentive for institutions to develop roundabout methods for avoiding the requirement and thereby add to the complexity of administering the reserve structure. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 118 EFFECT ON DEPOSIT COVERAGE AND BANK EARNINGS The bottom panel shows that the Board's modified version of S.85 would provide a greater earnings benefit to the banking system than S.85. Attachment A presents a listing of individual member and nonmember commercial banks and MSB's which would be subject to Federal reserve requirements or would be required to hold an Earnings Participation Account under S.85 as modified by our proposal. This listing is similar to that shown on pages 11 to 183 of the Counnittee print, Suunnary of the Monetary Policy Improvement Act of 1979, which showed the banks covered under S,85. An asterisk in the far right column indicates that it is a bank added to the list by the Board's proposal--that is, it has deposits above the excluded level but below the exemption level of S.85. These added banks would hold an Earnings Participation Account at the Federal Reserve and thus expand the Federal Reserve 1 s coverage of deposits, but they would not hold any nonearning required reserve balance at Reserve Banks because their deposits are below the exempted level. asterisk were on the Counnittee list before. Banks without an Column 4--entitled EPA--shows the amount of the Earnings Participation Account each institution would hold. If this colunm is zero, the bank at the end of 1977 had sufficient vault cash in excess of its required reserves that it would have had no Earning Participation Account. The additional institutions holding accounts at the Federal Reserve would keep the earnings benefit of the exemption level proposed by s.85, since they would participate in the Federal Reserve's earnings on funds that they would be required to maintain in the Earnings Participation Account. Moreover, the combination of the higher exemptions and the different structure of reserve ratios in the modified https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 119 bill means that any institution required to hold sterile reserves would have its burden reduced relative to that of S.85. This structure enhances the earnings capacity of all institutions and minimizes the competitive burden on individual institutions. In sum, the Board proposal would have the clear advantage of expanding significantly the coverage subject to reserve requirements, thereby enhancing the implementation of monetary policy. At the same time, it would increase the earnings benefit for depository institutions over those provided in S.85 at a modest additional cost to the Treasury. Finally, exclusion of the first $10 million of transactions-type deposits and $10 million of other deposits. from any reserve requirement would reduce the record-keeping burden of the proposal, with relatively small policy impact. TREASURY REVENUES Based on the 1977 level of deposits, and assuming all the provisions of the bill had been in effect for some time, it is estimated that the provisionsof S.85 themselves would reduce Treasury revenues by about $60 million. This estimate allows for recapture by the Treasury through tax payments by banks and stockholders of a portion of the earnings benefits accruing to banks. The Board's modification would have a somewhat larger impact on Treasury revenues than S. 85 but still keeps the cost within reasonable bounds. It is estimated that the net cost to the Treasury would be about $173 million. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 120 It must be stressed, however, that in the absence of legislation to stop membPrship attrition, the Federal Reserve will lose increasing amounts of revenue over time as member banks leave the System. Thus, after making allowance for the loss of Federal Reserve revenues fro~ continued attrition that would otherwise be occurring, these proposals would result in little, if any, net cost to the Treasury in the future. Moreover, in the first three years after the program is implemented the Treasury will not incur any loss in revenue because the Federal Reserve intends to transfer a sufficient portion of its earned surplus to maintain net Treasury revenues during this period. Attachment B provides language for a series of amendments to S.85 that would implement the various aspects of the Board's proposed modification. ADDITIONAL MODIFICATIONS Another modification proposed by the Board concerns the pricing of Federal Reserve System services. The System has already expended considerable effort in formulating pricing principles and in developing pricing alternatives for the services we provide. A preliminary schedule of prices for check and automated clearing house services was announced last November. Price schedules for other Federal Reserve services, such as coin and currency services, wire transfers and the safekeeping of securities, are under consideration. rapidly as Although we intend to implement service charges as we can after the membership problem is solved, we believe https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 121 that the July 1, 1980 implementation_date set in S.85 may not afford sufficient flexibility to develop a well designed system. An amend- ment which would eliminate the fixed date and thus provide the necessary flexibility is presented in Attachment C. Additional more technical amendments to clarify reporting requirements, access to the discount window, and the application of reserve requirements to foreign obligations of banks, and to conform other provisions of the Federal Reserve Act, also are attached for the Committee's consideration. Mr. Chairman, thank you for the opportunity to present the Federal Reserve 1 s view on the Monetary Policy Improvement Act of 1979, https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 122 Chart I Effect of Member Bank Attrition On Short-Run Predlctablllty of Monetary Aggregates Absolute Range of Unpredictable Varlablllty In T-•monlh Growth Rates Percentage poln!s 20 15 10 5 0 0 20 40 Per cent of Bank Deposits Not Subject to Reserve Requirements https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 60 80 100 123 Chart JI Percentage of U.S. Commercial Banks and Deposits In the Federal Reserve System Par cant 90 80 70 60. 50 40 0 19fl1 44-240 0 - 79 - 9 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 1965 1969 1973 1977 124 Chartm Estimated Burden of Federal Reserve Membership - AGGREGATE BURDEN, 1977 MIiiions of dollars 300 - ...... 1 - 200 ...... ,_ 1 - 100 - ,_ rmmn I I I I I AGGREGATE BURDEN AS PERCENT OF ESTIMATED 1977 DOMESTIC PRE-TAX EARNINGS 0 - - ...... --- - 20 ...... -· 10 Per cent 30 -- 1- I 0-10 I 10-50 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis I I 50-100 100-500 I 500-1000 Bank size class(total deposits, millions of dollars) 0 Over 1000 125 Chart DZ NOW Accounts as Percentage of Household Deposit Balances In New England https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 8 8 4 2 126 Chart'.lt Percentage of New England Commerclal Banks and Deposits In the Federal Reserve System Per cent 90 45 1961 1963 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 1965 1967 1969 1971 1973 1975 1977 0 127 Chwt:lll Rapid Growth of ATS Accounts Nationwide and NOW Accounts In New York Slate Billions of dollars 8 TOTAL 5 NOWs ATS 4 3 2 .__..__ _.__....__ _.__.....,_ _._..,....'--_.___..__ _.__....__......_ _.__.....,_ __._ __,o 8 * 15 22 November 29 8 13 20 December NOW account authorization not effective until November 10. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 27 3 10 17 24 January 31 7 14 February 128 Chart ml Effects of Proposals on Cornmerclal Banks ~sactions deposits covered Per cent Banks holding non-earning reserve balances at F.R. Banks -100 Per cent 100 80 80 80 80 - - 40 - 20 5664 40 20 0 0 Current S.85 Modified S.85 Current Earnings gain from net reduction in non-earning balances Billions of dollars Revenue from Earnings Pattk:lpatlon ·Account 800 600 400 200 0 S.85 Baffd on December 1877 dePQM•. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Modified S.85 129 ATTACHMENT A BENEFIT TO BANKS CoVERED BY MODIFIED S. 85 Key to column headings (1) TDEP-Total domestic deposits as of the end of 1977. (2) VLTCSH-Vault cash as of the end of 1977. (3) 1977 REQBAL-Estimated Amount of reserve balances as of the end of 1977 required by current law to be held at Federal Reserve Banks (i.e., required reserves minus vault cash). (4) NEW EPA-Amount that would have held in Earnings Participation Account at the end of 1977 under modified S. 85. (5) NEW REQBAL-New required reserves minus vault cash that would have been held at the F.R. Banks under modified S. 85. (6) DIF-Reduction in non-earnings required reserve balances at Federal Reserve Banks that would have been held under modified S. 85. A negative amount represents an increase. · (7) • A bank covered by modified S. 85 but not by S. 85. Examples for member banks (A) The table shows that the first bank listed, Albertsville National Bank, had deposits of $21,933,000 in December 1977. Vault cash amounted to $366,000, and required non-earning balances at the Federal Reserve were $641,000. Under modified S. 85, this bank, as of the end of 1977, would not have had to hold any non-interest earning balances at the Federal Reserve because neither its transactions-type deposits nor the sum of its other deposits was greater than $50 million. Albertsville National therefore would have saved the $641,000 it held in noninterest bearing reserve balances at the Federal Reserve at the end of 1977. Since its vault cash is in excess of required reserves (which would be zero), all vault cash would have been counted to reduce the Earnings Participation Account. The Earnings Participation Account thus would have been zero because its vault cash was greater than the reserve ratios times the non-excluded deposits (deposits in excess of $10 million per account category. (B) As of December 1977, Birmingham Trust National Bank had domestic deposits of $828,915,000, vault cash of $6,100,000 and sterile balances at the Federal Reserve Bank of $39,847,000. Because it had both transactions deposits and other deposits well in excess of the $50,000,000 exemptions, Birmingham Trust, under modified S. 85, would have had to meet reserve requirements with all of its vault cash and reserve balances of $27,342,000. The difference between the actual 1977 sterile balances and those under modified S. 85 result in a savings of $12,505,000. In this case, no vault cash would have been applied to reduce the Earnings Participation Account because required reserves would have exceeded the bank's holdings of vault cash. Thus, the Earnings Participation Account of Birmingham Trust will equal the reserve ratio on transactions deposits (9.5 per cent) times $40 million plus the weighted reserve ratio on other deposits times $40 million, or $5,162,000. Examples for nonmember banks (A) The first nonmember bank listed is The Bank of Abbeville, which had total deposits, as of the end of 1977, of $23,421,000 and vault cash of $240,000. Under existing law, no nonmember bank has any Federal reserve requirements. Under modified S. 85, this bank would have continued to have no Federal reserve requirements because its transactions deposits and other deposits are well below the $50 million exemption level per account category. Since vault cash of the Bank of Abbeville would have been in excess of required reserves (which are zero), all vault cash would have been counted to reduce the Earnings Participation Account. Thus, this bank would have had no Earnings Participation Account because vault cash was greater than ·the reserve ratio times the non-excluded deposits. (B) Central Bank of Birmingham had total deposits of $510,662,000 in December 1977. Vault cash was $3,050,000, and it had no Federal reserve requirements. Under the modified S. 85, required reserves would have been covered by its vault cash holdings plus $17,509,000 in sterile reserve balances. This results in a net increase in nonearnings reserve balances of $17,509,000. In this case, no vault cash would have been applied to reduce the Earnings Participation Account because required reserves would have exceeded the bank's holdings of vault cash. Thus, the central Bank of Birmingham would have maintained, under modified S. 85, an Earnings Participation Account of 9.5 percent times $40 million in transaction balances plus the weighted average reserve ratios on $40 million of other deposits, or $5,459,000. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis lll DSB NAME TDEP LOLAllON (21 VLTCSH 13l l4l (51 l6l 1977 NEW NEW OIF ________ R£'lbAL __ EPA_.P_f.-0'1AL .. 0 ) - ( 5 ~ - - - 6010020 ALBERTVILLE NATL BANK 6010040 FIRST NB OF ALEXAfl..OER CITY ALBtRTVlLLE ALEXANDER C.ITY AL 6010050 ALlC.El/llU: BK & TR lO All(.!::VlLLE AL 601G090 ANNlSlO~ NAJlON;AL bANK M~l~lllN AL Al 21933 42342 lb97~ 366 13119 641 681 .t~l 5Ub 0 0 O 57239 700 1829 729 0 0 0. *-- 641 b81 * * 506 0 lb29 0 0 2074 1'182 O 1034 .. -6010100 C.0:-:~f:RClAL NB _(if ANNlSI01'l-Al\~l~ TON. _ _ _ _ _ A,L-_ _ _ _ _ _ _ _ _ !,80Vb _ _ l0.::'>9 _ _ l 713..-2.b1.__0____l 713, _ _ _ __ 6010110 f--IR~T N5 UF ANt~lSTON 60lC..:l.OO FIRST AL 6A/'l,K CJI- AlHl:.NS NA 6010200 FIRST NO OF AlMURt bUlOl.30 6010240 _601CL!.S b0lv300 bvlv3\.<0 biJl02:12u 601(132!> 6010.;)~9 _6G1Ct3t0 bl•li.;41C 6010455 6Ull1460 601C4EO 6010570 _6010500 b01C6~0 6010660 601U&1U 60lu6ob bC.lCti~O _0010135 60H,i40 001075u 6U:u~25 601C.6~C 6Cllt680 -!~t~!~~ 0010910 60lll91::15 60110~0 6011(;90 _6011115 60111!>0 6011163 6011170 60lllb0 0011190 AN."-USTON AlHl:.N5 Al AlMURt AL AL AL AUDUKN NATIONAL tlANK CEt~TRAL BANK Of AUOURN NA 15.T A.l BK. OF 6AUM1N C.TY NA eIRMlNGHAM TKUST NAl tl.K 8110.(. 308"/6 1014 ~8~ 2074 1"11;1.l. 723 144 ~~lll lbb05 367 Hd"t O AlJBUKN AUOURIII AL 22007 ~AY "1INE:.TTL.....__ Al 23484 61RM1NGHAH AL 82b9'l~ C.J.lY r-.B OF IHRtHNGHIH1 6iRMll\iGHAM AL lU9~2B f.IRST NB OF- tHkMlNC.HAM tllK~Jt,.(,,HAM AL U20V'.":>7 NATWNAL bAN:<. OF ClJMMER.C.I: 8ikMlNGHAM AL 235b3 SOUltiERN t◄ ATICJ/1.Al BA/\iiK BlKMlfiGHAM Al !:ilS-75 NA. l lGNAL BK. LF !:.L:Al _ -·----· 6LAl. _ _ _ _ _ AL 174b7 FIRST NATIONAL cjANK BREWTUN 41640 FIRST Nb (JF-- 0UTLtR 6UTLEk Al .(4ti.V4 c.FJ\lRAL SlAlt: DANK. CALl:KA Al l!>LbO C.AMDf:N NAIIO,\iAL BANK C.AMl)i;:N AL ~00~3 f-IRST NAT BK Of- C.LANT~ C.LM.tlllN Al lt-557 PU.:PLES S.AVlNGS BAhK. C.LANTlJN - - - - - - · · ~ - - - - - - - - - l'i""/40 f-U<!i.T NAT SK DF C.CJLUMBJANA C.LLUMbJANA AL 25103 LEClH NAT bK Of. CULLMAN CULLMAN Al 2"/bbl ~AF<.K.ER DAN.K. A.1\10 lKUSl CO Cl.LLMAN Al lts711 Ctr.tT?..AL bt.r~K. OF ALAbAMA. NA UtC.AlLR 511589 FlKST NAT BAf-1.K. (Jf OE:C.ATUR UtC.ATLIR Al 64544 CITY NAlIL~AL BANK UF- o □ THANUUTnAN ______ 3l!>Yl Flf/..~T ALAbAMA UK Of- U(JlHAN UCJlHAN Al b4'133 FlkSl Nt..T BK Of- DOTHAN Ul.JlhAN llb.2)3L FIR.ST Nb OF Euf-AUL.A EUFAULA .,, 162'.":>!> Flf/..!il NAT BK. Uf flALDWlN C.lY FAl"-hUPI:. Al 40304 f-IR.~T Nb CF f-AYf:TTE t-t+.Hlli: AL 1824.2 AL AL Al _________ ~t ~~~!~s~~A~F a~L~~t~~~K~Ncfr-- ~~~:~~~~ AM!::klCAN NB OF bAD!:.DE-N l!:.r AL BK OF GAO~Ul:.N NA t-lRST NO LF (,.Kl:.E.N\/llll Fli<ST N6 OF C,UNTERSVlllE:. MARlON COUNTY bAf"lK.lNb C.O HEADLAND NAl lONAL BANK A:"lcR.lC.AN fltr· '')NAL bANK.. 1ST AL bK OF HUNlSVlllE ~A HE.NDERSUN No OF- HUNTSVILLE: PEQi,;LfS flt6 Of HUN.lSVlLLE --· 07~ _____ 0 _ _ _ 0 _ 87!) ~22 0 U ~22 - - · 7~3 ____ 4Ul _ _ _ O_ _ _ _ O_ _ 40l,_~•"---blOO 39b47 5162 27342. l£SOS 12H, 4U70 3314 _ 0 4b70 14329 5843b 5363 41691 lb745 531 6~8 0 _ 0 C)58 732 2o4S 7'4't O 204~ _ - - 24Q ___ ~lb _ _ o ___ ~o __ 5l6 _ ~ • - - 373 1520 296 0 l!>.t:O 5C.b 378 0 0 378 L25 '4Lb O O 406 2~9 633 0 0 6~3 2.b3 !>b.l: 0 0 ~bl _ _ 3~7 ___ .b4U _ _ _ ~o ____ o__ 040 _ .l:64 10&7 0 0 1087 bl'), 764 0 0 764 243 71::, 0 0 71) 14!>2 20913 _4944 lO'tb!> 104'iti 996 28:,,3 l2Ms O "-BJ3 __ 0es~_10:,,!> _ _ _ 0 _ ~ 0 _ _1c~5--=*'--1023 3:C09 2024 0 32.U9 32:0l ..:'.301 724 (J ~301 lt39 lll O O 211 bl9 1!>9:;. 252 0 1;93, b9b lbO C, 0 lbO * * * __,.c____ * * -----:l--------- !~~~~ __ t!!!t--~b~!---30. 1 GAD!:.lJ!:N Al bAU!iDl::N bkE.1:.NVlLLE (,ul-.ltkSVILLE HAMlllON Ht:AllLJ.NfJ Hl>NlSVlLLE hUNT!iVlllE HUNl~VlLLC. HUNTSVILLE Al Al AL AL Al Al.. At A".. A-~ 61029 3bl70 4c.!.>42 3'":t06U 32392 L::'771 3<;4!>2 155664 b1b£b 3b474 * ;)20 5:H 9- ~ - - - ~ - -4 1'143 78~ 760 599 5~4 2.ftll l'ts5 3bl.l. 1679 11.l~ 1707 287 116!> 0 1441 O 1212 5 13:,0 ___ 108 _ _ _ 762 0 132~ 31 4<J6L 3314 2072 _ ~87 - - ~ bbl O 0 0 O 0 0_. 0 0 0 0. O :6:--,.--- 1·tb7 llb5 1441 1212 1398 762 1323 49cu~ 2072 661 -*--- * .• • --*---* __ * __ j * https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis - - - - ~ 2 2 / 3 9_ _ _ __ bE:NtflT TO BANKS COV!:kED tsY MODlFlEO S. 85 llJ DSB b011230 6011240 bOlU.6~ 6Ul1370 _b0ll380 b0ll3YG bC.11410 6011430 6011437 0011439 __ 6011'140 6011448 6011450 60! l:>00 6Vll510 CUl 1520 60115<-tO 0011542 6011543 60ll5bb 60116.C:O 6Cl 1648 60111~0 bVl 1770 6011790 6(;11795 bOl lb(.,C, 601182:7 bLllltl=iO b0llt:t.i0 6011890 6011900 OC,11910 b0ll<Jb0 ~.60il980 00119',10 001::.000 601,010 601.U~O _Of NAME LOCATION FIRST NB OF JAC.KSD...,VILLE JACKSONVILLE FIRST _.T BANK OF JASPEk JAS f'tk. VALLEY NA1101\AL 1:SANI<. LAN El T AMERICAN NAT BANK & TR.UST COMGB1U: flR5,T NAl BANK OF- MObllt MLlb1U: ME:K(.HAr-.1~ NAT bANK. Of- MOBllE.MU!HU: MUt,.,:R.iJt. LOUNTY bAN.K. MLINKuE.VlLLC ALA&AM.A Nb OF P.01\ilGUMERY MGN ruDMERY C.E:NTRAL SANr<. Gf MUNTGL'M.l:.RY M.UNTG.UME.R.Y EXCHANGE: N8 Cf MUNTLUME.R Y MUHC.GMtRY 1ST AL PK OF MGNTbUMl:kY NA MLr\ll>LJMl:KY __ !,OUThERN BANK. NA MONH,OMt.kY ur-.IUN 8J..r..K "D lRUSl (.OHPANYMUN 1 G,L;ME:RY GI\EUNlA Cl T 1 LEr"S bAr.K. 1-Ak.:•iEKS No (If UPf:LlKA OPl:.L lKA f lRSl NAT BAN!<. Lf- OPELIKA UPELIK.A FlRST fl.A 110/~AL bANi<. Llf OPP OPP CH.lk.AL BAM/,, Ur OXfORO OXFOkO Fl RST C.llY NAT bK. Of OXFORD UXFukU fl K$T ALA BK OF PHl:;:t\:l}., C.Y NAf'HENlX ClTY flk$T NAT dAl~K Cf- PH:CMUNT f'lE.01'-',GNl Al Al AL Al AL AL Al Al AL AL Al Al AL AL Al AL AL AL AL AL AL C.l:t-.1RAL BAr,1'.. OF f-lllt:.lU: NA PRll.HAiW AL Fl RS T NAT BK. OF KUSS E:.LLV illtRUS $1:.LLI/ lLL.f__________ AL Flk5T t.A TI ON.Al bANK. ~C.OT l~DORU AL (.llY NATIONAL i:;;,.r,.,,11,, Of Sf.LMA ~i:LMA Al Fl R!::.l AL OANI<. uF SH MA NA Sl:LkA AL PE-LPLt!l. bA/.,;r<.. AND lr.LJSl CU SE:LMA AL flRST C.OLBER l t--.r. l l(INAL tlANK SHE:f-FlELO AL F1R~T N.t. T BAM UC S 1 tl/E:l"-4 .::i.Ot-. SH_ VtNStJN AL Cl T't NA1 i:IA.'il\ OF .::i.-YLAL.AlJGA 5'tLALAUuA AL FlRSl t,,AT 8At-.K. lN SYLAC.AUGA !)VLACAUGA AL ISSl:LL NAT 8K OF lAL LAOEl.,A lALLAD!:bA AL TALLt.DEC:,A 1\Alll:NAL BAtlK lALLALJEl>A AL flkST FARMERS ANO MLRC.HANTS lKUY AL lSl. Al BK OF l tJSC.ALOOSA NA_ llJSC.ALO □ SA . AL 1-lRST NAT 81(.. Of lUSCALOU5A lU5CALOLl~A AL FIRST ~b IN TUSCUMb I A luSt\JM\HA Al. TU.)Kf:C..EE: ALAbAMA EXCNANGE- BANK AL flK.ST NAT 81<. Of WE:TUMPKA WETUMPKA Al b5 BANK~ AfH.C.H:O iN ~1Alt ~l 27 (21 VllC!l.H lOEP 17903 7t.1291 23227 1)5471 423~21 44'i£b7 22:291 114393 bbbb) 4:".UllB _ 3'15270 _ 14!>43 l9bl00 l<::tb!;IY 307'14 .!..UOOO 45e.51 ::,3,220 14647 17787 1447~ !>1)94 ~ - "'b242 4.(.024 3b5u9 3<,179 b4~~b i:. 7bf:13 20099 l2U.:>i 22ll(j 30963 33b54 31083 lV'-t494 102:..10 3L1:>3 lS077 ~b4~l 424 1965 t.>£O 309£ b9'l4 0743 3•4 ltH2 2151 :,90 bbl":, (3! 14! 15) lbl 1977 NEW NEW OlF _ _RE:QBAL ____ EPA _R.,E.Ql:SAL_,3)-L5~--393 0 393 ··0 2~04 1006 0 290'1 0 4!,'1 0 4390 0 blb7 6187 __ 15980 ___ 5b4b ---· 808.b ___ 7b94 20.jl 7 11275 9042 530b 709 0 0 70'/ 484..:) 4843 32 ll 189 0 2.067 2067 ,,39 439 0 0 .. 152~4 _.5317 _ _1169 ___ 6L45 295 0 2'1~ 0 b54 1101 5119 7U!:i3 5b1 5b1 0 0 (I !)(/Q !>uo 0 6.,0 0 0 b70 -~-144'.:, _ _ -- 0 - - - - - 0 ~-1445 !:,l/2: 0 0 >02 ,s, u •- - - --·--. • • • • ib.3 2.?.b5 £69 9o3 <::84 ',21 9Ui (I 151 ~11 0 (I 475 0 :iol 3bl 0 344 192 3'4 0 b7.l S71 1220 0 0 ___ ~2u _ _ l6J'i --1.!:ib _ _ _ o .---1639 144!7 b71 14l7 4U 0 139 102.9 0 0 1V29 10,W 770 0 0 lO~U 1199 192.l 5&9 0 1921 (I 4b2 b4l &'1 0 .373 _ _ 4uz. _ _ _ o ___ o _ _ ,02 _ _• _ _ _ 431 0 611 bll o __ 0 311 718 118 -40:> 882 0 0 b8l t,)] (I ~51 0 b>3 6.(.0 76• 0 0 020 .l96b ___ 4:t:27 _ _ 2404 _ _ _ Q _ _4.i!2 25{j9 6507 4733 0 b!J67 1!,l 7b9 0 0 732 3'4 609 b09 0 0 .Sb3 1079 0 0 1079 .... ... . .... -*--- ~u " • •- • HAVI; NO 1:ARNlN(,,S PARTlC.lPAllON AtC.VUNT OR RUJUlRt.0 KE:SCRVE BALANCE HAVt NO RtCURt.D Rl:~tRVt: 8ALANt..t: --------------------- ---- - -t ~ c,:) ~ https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis .BE:NE:fll TO b•t.i.K.S tOWlRE:D BY 11D01F1£:0 S. 8!» NlME DSB 111 to•P LOCATION 121 YL TC.~H 12020013 l20lCl014 l202UOl8 12020030 --12020040 11020080 FIRST NB OF ANCHORAGE NATIONAL BANK Of- ALASKA 5.1:CIJUTY NU lONAL BANK. ALA~KA PIIA11011AL SANK flK.~J NAT BANK FAlKbA~ _ f-lRST Nb Of ki::Tc.t1lKAN ANCHORAGE A~HORAGE ANCHORAGE f Al R&ANKS FAl RBANflrt.S Ki:lC.HlKAN OF ,.. 131 1917 ___ RUUiAL .. ·-·----------·--- ------ ....,~, .... .., l~I ~IF EPA AK 311~67 bbl• lHOo ~970 't8b033 l2bb2 .;~) 22bb5189949 6l't0 ltti,'t~2 ___ lti87 "t:,,647 20928 AK AK AK AK 5183 0 ~559 ... ,.,., 7008 1010 ___ 1503 __ A.HUtAL 5H3 9311 0 Ul-UI 9~73 llbll 1'2 0 0 7wud, 203 H 0 1~03 lblo .• HAVE NO i::ARNIN~S PARTlCIPATION AC.C.UUNT OR RE.QUlRE.U RE~i::IWE IA.LANCE HA.VI:: NO Ri::QUkEO Rl:SEkVI: IULANCE: ---------------------12040070 FIRST NAT BK Of ARIZONA 12~0100 YALLE.Y friilAT Bl'I. OF AR1ll.Jf'4A. __ OF Al Al PKll:.NlX Pr<lc!IIX 2 BANKS AFHCIEO IN STATE 0 0 20'tti791 lO~Oti9.t 3bb78 bO~'tl 9'tll9 5093 ~990b 13.C.S'ib 5107 1133V3 341~3 ~l-'0.J HAVE NO l:.ARNINC.S PA1H lCIPAT IUN AU,OU"'l 011 kt.WUJRt.lJ Mt.~tRYE:: bALAr.tt HA.Vt NO RU.JUktCJ RtSt.RVl: bALANC.1: ~ --------------------------------------8050070 6(,~C,105 SU~Ulll> 805010U &050100 &U~0l90 80!>u2,ll 60~0.HO &O,U34U 8050360 c,0~0400 6Ct,u.r.'-O &05i.!Jl0 &O:ioCi,.!0 aoso,cto 8050tiUO 80,t;blO 8050ti30 &O~C,bbU SCi,UblU &050t:>80 b0507~0 FIRST NAT 81<. OF SHARP. ClY ASH fLAl ClllZENS bANK blHSVILLE FIRSl NAl lONAL 8AhK BAltSVJLLE &H,kY'VlLLE FlkST NAT &K Of &U-1.KYYllLE FMU1ERS bANIC. ,\NO lRUST CU ~LYTHl:.VlLLE fIRS1 NAT BK lN bLYThEVlLLl: tslYlHtWlLLE flKST NAl Bl\. Uf CAP10EN C.AMUf;N fARHl::RS NB Of CLARKSVILLE C.LARN.SVlllt (.~WAY FJR.ST NAl 89'. OF CONWAY f-lRST NAT &I<. Of Ck0SHT.T C.kOSSl::TT FIRST NAT di<. Of Dl UUd:N CJt I.IUHN Ot; WlTT HRSl NAT BK Of- OE:. WlH FIRST fllAT 8P. OF 1:.L OURADD f:L DUkADO NA 1 BK UF CMRC. OF EL LURA.DO E:.L OOIU,00 flkS.T NAT HK Of fAYC.tli::VlLLEfAYt::lli::VlLLC HtlLRUY bA.Ni<. ANO TRUST fAYt: TlEVlLLE flRSl NAl 6~ Of FGAOYCE. fCJROYCE fIR~T NAT 81(. Of E ARKANSAS fllRR~ST ClTY tll'r NAl BK. (If f-ORl SHllH hAT ~•ITH F-lR~l NAl ttK Of FOR.I ~JTH Fl.IA.I ~MllH HE.ROtANTS. Nts OF FORl Sl11 TH FUR T SMITH FUt.S.1 NAl BK lN C.REEN FURE~lGK.El:N FURE~l AR AR AR Ak AR •• ·~ <0025 l<Z loo 30't0l .:,12 ~j!)(j,,l ooJ 11.t~ lbbl .llb,_ 2ts,L4 4tb'-Ul 't4t4b9 ••• 5>J •JI lib ... . AR AR 39080 ~.Jbl& ~1£bl AR AR Ak AR AR AR AR AR AR 33iii::14t .l4t;83 l4b&1 di.lb})45b .. t. lb&34.". 10~1 ~lb l'l.lo 1011 302. '9071!) •O AR 107b89 135717 22c,l 6b3VO 23.t:'t7 1240 95 AR AR AR 9ulll 1JO:ib , •11 ,,.... >5< 172b tl.t~ 14-tll 1110 ... 6bU '1~, 17• lOto 371.J l~'-t3 3t2b l'I.H Jol 115', 3"/78 bO'll 3711 957 0 0 JJ• 0 .. , 0 Uc, oJb " "0" lt'-CI llt't "-1.t.) (/ "0 h1' l ! 7o 0 0 bcO 78> II "0 d..,'.> ,. 0 " 0 0 ZOll 0 3~it 1\b't 13Ll2 I> 0 0 1631 :Sl 30 ltslCI ~ " 0 0 0 0 0 0 0 "" 11b ll,,ct, ,11., l ~'-t3 -'t.2t.. ~-,,.H JOI 11~ ... ;111;; eoc,1 Jlll -~, ~ ~ https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis ~z.un ____ -BEl<EflT TD BANKS GDVERED-BY-IIDDlflED_s._95 _ _ _ _ _ _ _ _ _ _ _ _ _ - · .JUK8ER BAf«.S _ DSB NAHE 80>0810 HRST •AT BK lN HARRISON 80~0858 80~0&10 BOSO<ilO _i,0~0920 ao;oq5,o 8Cl5L95!> 80~09~b tl0!'>U~70 0(,51150 _ 8051170 bU~ll13 6051lt51J 6V~ll~O 8051200 8051280 _60513~0 8051458 &051510 B0'>15!>0 &D51556 Sll:>1570 _B0~lb00 &OS.le,.:tO tlll!ilbt10 805lb90 b0!>1616 60!'>1620 80!»1830 6051&5't 8051910 80~1Ci50 &05,WlO &05201~ _ 8052020 80521 .. 0 805,d!>O 11052185' 8052190 60522!,0 OF Ill TOEP LDLATION HARRHON FIRST NAT 8K OF PHllLIPS tlYHELE:NA HELENA NAllONAL BOU( HELt:NA tlTlllN~ NAT 8K. OF HOPE HOPE: FIRSl ,-Al BK OF tt[JPf. _____ MOPE: _______ A.fU.ANSAS 81(. C. Tk (.0 HCJT SPRJNGS flRU NAT 8K Of HOT Si'RlNGS HOl SPRINGS C.RA,-.0 NATIONAL SANK MOT ~PRINb$ flR~t NAT BIi.. Of HllHSVILLE HLNlS.VILlt:: COMRCL Nb OF LJTTLt: ROCK LITTLE KOC.K FIRSl NAT 8K IN LlllLl kOCK LITTLE. ROCl(. _____ METkOPliL1Uf4 NAllONA\. bAhK LHTLE:: ROCK U~IL1N NAT 81'1. OF LITTLE: RI.JC.K LllTLt: R'-'CK WORTHE:N l:iANt<. f. TRUST C.O NA LlTTLt: ROCK Flk.Sl NAl 8K. Of HAC.NOLIA "AGNOLIA MALVERN NATlLNAl 6ANJC. f1ALYt:.kN FIRST NAT 8K 1111 Ht.NA HfNA . ______ FIRST r..6 ,;, TR CO Of Ml H[)IIIE MOUNTAIN HOME FIRST NAT BK Of NASHVJLLE:. NASHVILLE:. t-lkST NAT 81\. Of- 111.t::WPORT NEWPOkl FIRST AMt:RlC.AN NA110NAL BA~N lllTLE ROCK f-lR!,l NATlONAL SANK US.CElJLA flkH hAllONAL SAM PARAuUJLD _ _ _ _ FllUT NAl ~K Al PARIS PAR.lS NAT BK. OF CMRC Of PlNE. BLUFFPlNE BLUFF SIH"llNS FIRST NAtlONAL tsANK. Pl'hi: &LUfF FJRST NA.110NAL l:IANK FtOGtRS. FlRST kAT 8K. Of M.USSELLVlLU.RUSSELLVlLLE PEOPLES BANI(. f. TkUSl C.U RUSStLLVlLLE. _ _ _ _ Flk!,T NATIONAL DANK SE.\.RCY FIRST NAllOHAL BANI<. SILOAH SPRING$ FikST NAT DK OF SPKINGDALE SPRIN(.OA.LE flR~T NAT BK OF SJU1TGAR1 STU1H,AR1 CHkC. NA.T bK Of 1EX4.RKANA TEAAKK.ANA ST FIRST NAT tSK UF Tt:XARKANAlt:.J[AkKA,-A FIR~t llltt OF LA~IU:NCI: CTY WALNUT RIDGE FIRST NATIOHAL BANK WARkt:N flOELllY NAT lONAL SANK WEST MEl1PH1S FIRST NAllUNAL DANK. WEST HEHPHIS FlR$T NAT BK OF WYNNE -'YNNE b2 BANKS AFFE:CTEU IN STATE 31 27 AR 39!>5~ AR AR AR 35173 AR _ _ _ _ _ __ AR AR AR AR Ak ARAR AR 2bb0l -'t!.iit80 31&39 132b92 l13b83 18"'30 21059 ,., 121 151 lol 131 1977 NEW NEW OIF YLTtSH _____ REQ8AL _ _ EPA __ JIEQBAL_lll-UJ.__________ 1031 •bO 378 lb• •59 1725 l&'t8 ,H2 201 2108 12U 0 0 1192 82U 1809 9'ib __ 0 0 0 293 0 o __ 19:;&11t 2'tlb15 ·--- 4!b8c, 29b.i::l 310 2lb249 3:;bl Ak 81Y7 3&5b49 AR b0041 601 AR 631 Z8o38 AR _ _ _ _ _ _ __ ___ itbbbO lb!> AR !,~!.i~b 312 AR 23171 3Jb AR ldlt 351::135 AR tS.J7\'& 2103 Ak 313!:t7 AR _ _ _ _ _ _ __ _ 51::1990 ·-- bbl AR 2 .. 4&0 321 AR l19.1b7 2U02 3 .. bU AR 111139 ,.2 4',~9b AR 4S',lb 905 AR AR _ _ _ _ _ _ _ __ "·112u ----· 1UU2 AR 41b!>b 533 AR 3l.~Ba AR 12041 l3u0 24~b 6H AR 711, 53.l30 5•3 2222 AR 33bSO 1009 0 ·9~ AR. _ _ _ _ _ _ __ l2U783 ---· 33-, ___ 3007 ____ 92• 184:;,t ;92 AR 67.3 AR 3» 0 -- --------·· --·- 2"3b& AR l1~6b bOl 0 bO• AR 314 759 23710 0 10.:t9 AR 2U225 itb~ 0 --· ·- -- .,. .,. ••• - o HAVE NO EARNINGS PARTitlPATlON AttOUNT OR REOUlREO RESUVE bALANtE HAVE NO RtOURED RESERVE 8ALANtE lbV'i 0 -- 996 2221 0 371 .. 102, 0 5b9 0 0 bU 0 o Cill::IO:i 5183 1986 _J.21<;:, ___ !il~l -- ...029 1031 0 0 l03't2 5058 22&3 l1t479 >217 523b 25't3 U73 0 o 0 n• 7H_ o._. 0 llHO 592 o 802 u 0 ll&8 HO 0 Z!>'tb 1088 0 929 0 0 ··- .2091 - - >2• - - - - 0 0 0 82• 45~1 2985 0 5bttlt 39bb 0 lb90 323 0 0 122> 0 __ lU!.19 · - o - __._o 19.JO . .5 0 lUO 0 0 -'tl!>5 l2U 1192 82U u .. 255 371' 5o9 815 7t119 &lbb 1037 8059 • •• ·----·--802 • 929 • • -'tS21 11• 755 1 te10 12uo 2!>',b . -- 2091 - · - - 82111t !.i&b<lt lo..O ll25 ..• _l0!.19 - " " - 1930 1138 2't20 0 0 0 0 0 222.Z ••8 0 0 • •• 92lt3 ,l51t3 0 o .•• • ..• ..•• • ·- )007 - - - - - - 673 b-3 •o• 7>9 10:>9 ~ ~ ~ https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis --.K.E.118fR_BANK.S ___ - 111 OSB 2n.zn, ____ ____ -~-----·--bE.NEFlLTD 8ANKS._COVERE0_8Y_l1001FlE.O S. 8~ _ _ _ _ _ _ _ _ _ _ _ __ NAME LOCATION lOE.P 121 VL lC.SH 131 l~I 01 lbl 1977 Nl:W Nf:W UIF - - - - - - - - - - - - - - - - - - - - - - - ~ - l ~ b A L__ lPA ___ JlfQbAL ._ 131-1£5~1--l20b0010 12060072 12UbV073 120b01l5 _l2Li6Ul26 120b01'9U ALAMEDA FIRST NATIONAL BAfiK ALAHE.DA CA AMl:RlCAN NATIO"-Al BANK BAKERSFIELD CA C.OMMUHlY NA,llONAL BANK. BAKl::.R!,FlCLO CA C.llY NAT10N4.L BANK bE:\'E:kLV HILLS C.A lNYO MUNU NATlONAL b,ANlt .81!-,Hl)f" ___ . _ _ _ CA f-lk.!)T Nb LJF (.LU\ltROA.LI: C.LUVE:RDALE CA. CA. 3~sa, f-lk!>T NAT 841'4K OF DIXON DU.UN CA CAPITAL NATll.JN.AL BANI\ Df.JWNIE.Y CA SlJkE:TY NAl lUNAL bANK ENtlNO (LA) tA FlK!:aT Nd lJF SAN DH.GO ClY __ E.5f.UNU100 _ _ _ _ tA HUMbULDT NAflUNAl 8A1'4K. fl.IRE-KA CA F-lk.ST NAllOt\iAL bANI( fRE~NO CA VALLEY NATIONAL bANK. l,ll:NLJALE CA MCC.HANl{.5, NAllUNAL &At«. huNllN\,a,lON PARK. C.A IRVINE NAllllNAL bA-'iK. 1KY1NI::. tA VALLCY BANr<.. hA.11Lr-.AL .USOC LJVC.RM.UH.f.. _ _ _ _ CA H.M 61<. UF CENl kAL (.A.llfURNIA.LL'{)J C.A MID-C.AL ~ATll:NAL BANK LI.JOI CA. f-f..M r. MKCH t)/1,,. Uf- LONG BEA.CH L(.t,ju HEAtH CA LOS ANGELES NAT HJNAL BANK LOS ANGELES C..A f'AN AH t,,ijj Uf- t LUS ANGtLES LuS ANGELES CTY CA SE:CURlT'I' PAClFlC. NAT bANt<.. LUS. AN(.E:Lf.S. _ _ _ :_ CA U~llJN BAt·d(. LlJS ANGHES CA UNl TCCJ C.ALlf-OA.NJA HANII.. LUS ANuf:LES CA bARHE.LO bANK MCJNltbt:.LLO CA ~Al',jJA CLARI 1 A NAT BANI(. Nl::WHALL (.A C.ENTRAL BA.Nr<. NAT A.S!.OC.IA.TlLNUMLA.NO C.A. WEST t.UASl NAT lONAL bANK UC.EA.NSlOt; CA flRST NAT10NAL BAhlK r. JR CU UNTARlU C.A F-1R~1 N.Al BJ( Of- ORANl.>t C. lY CJRANC.E CA CUMMtktlAL & FARMERS NAT 8K O>.N4k.D C.A SlEkRA NATIONAL bANI(. PtlALUMA CA FIRST tuTH.1NAL 8A.Nr. Plf::4.S4NT~ CA Rll/t:.RSIOt NATIUNAL B4N!<. Rl'v't.RS.lOE: _______ CA PLACtR NATlONA.L 8Af'.tK ROCKLIN CA /'11;;k(.HANT!:a NAllUNAL 6At«. SAC.k.AMf::NlO CA VALLEY NAlltJ~A.L BANI(. SALJNAS C.A HAN!\ CJF AMEH.lC.A N 1 AND S A. SAN FRANC.lSCO CA. bANl'I.. Of- C.ALlfllRNU N A SAN HtANC.lSC.0 C.A CKUCKE:R NATlU~Al BANK SAN FRMtClSC.O --~·-- C.A. WtLL!, fA.;.G □ bA.'IIK. N A SAN f-RANClSCO CA flRSl NAT 01',,. OF SAN JO~E: SA"1 JU!:iof:: CA SANTA 6AkUARA NAllONAt. t,ANK SANlA t,Ak6ARA CA COUNTY BA.NI(. OF SANTA CRUL SANlA CKUZ CA CTL Sl 81(. OF SANTA PAULA S.ANTA PAULA CA 3Z599 toO!,,l 4'ib42 12GtU-'C,~ r-IR!,l t-,ATlONAL BANK l20td.1.;)30 l.lOoU3!,l l.t:Oo031~ _l.looU::idO lluo039~ 1.2Uolo443 l20bC..4b} 120o0~33 120ov~:,q _lLl.itil..575 120ov~BO 12UoO~B5 l20CUb00 120c0710 li:0¢V74'..4 _ llUoC.730 l.::VM.17!>U li:U6.J75!> lluo0dL5 l2:ub0b&2 l2:(.t.U't3& __ l2CioV957 1.2.C.,o(,<,,c,O l-'.Oo097U l.i:Obl0l5 12.001113 12Ubll~O _ 12.Uol.lO~ l20ol.i.1.15 12.Uol.lbO lZU012ii5 l..:.Obl'tOO 12001-.10 12C.ol4~0 14:.'.0bl'.:>OS 12Ubl.530 12.(Jblbl~ l.lOblb'tO l20olbts0 1345, bB4b3 11152b 2247 l0ij2tl~ 2b4t0 7130~1 l7!>3U lts212_~_711 _ 2&9b'I 2~2 OALY CITY e,e21 43t.Ol 410~b 83 744 56lC,,C. 230£.i l25ol l~!,,07S 49334 11, 22H 10217 ;;c;c':, 10.i::O 0 2237 ~003 233~ 22'-I~ 0 2~':t~<lt 5l~l 1;033 7tt83 l92S 1..:.9.'1 1"7 _ _ 93< bl< o ____ o_ 20 0 0 !,,21 8::t5, 0 1,:..r,5 0 46• 0 27<.;C., 3b9 0 1150 ___ l9iC.O ___ ,1as, _ _ 1,2e ____ 0 ,,1 l!i..2.9 0 0 2040 0 4318 971 2682 0 0 0 107 1290 ~·,.· 213l - - 10; 54Mt 2695 31.;)LI .,, 922 ,,, 392 2t91 0 H• o _____ 0 ,., 2b033l lL/980 1975 b8o8 19236 247bb 130 7bl 0 72:t. 0 .,, 118%3 . . .. 1712>1 355':1120 bb&3Z39 47'7H't 57o!ic4 4 ... 14J!:t t,~4(1', l9.c:4b\l 141~~7 77Lb4 30&90 L.3045, -------- 3Ll41 2405!:t Ol43) 1025b9 .,. b1; l0b4 55~2 25~5, l2jo 50btibb ___ lt990 l lC.,412 34-H~l l4C.,b .t l.ll 10-1!:tv <ltbl::ll 5091 4.i::b 613 __ . 8'ttib bb4b 114-1 2740 >SI 211 763 910 ·-· - 11:>C:t -·· b91 ••<> .,. i9U11 U!,, 110.:, 72282 36754345 l94t7'i38 --- 8857013 l05L lb9b 193> 2211 ll74t8.:,:, 9<1t037 't20'-189 52~1\l':I ltrnlb 5':161 8l!:t5 't201B5 423117 .2.ti:3.l9 1203b0 702b7 5830 111)4~ 1055 224034 28&2 lfi008 .,. -,3 b>3 48ti2 0 511H 4bl2 119!:t 0 0 0 " 197 932 012 83> 1245 2799 2.bb't >el .i::040 <lt31& .i:l91 l.i::',,O 9b't<lto 2(>7926 0 0 bl.l'tb4 l3!:tl9!:t 1498 2122 luld 0 673 -131.l C, Ob48 27<1t0 . ,. -·-· i11 ... "0 0 %0 10, 0 - - ll!:tb 0 0 b3& llUl b1> 0 l217 .,&4)23, 33b73 ~2•1 1290312 ,oo• 41.i::U "-907 0 .• •• • . 703 1!14t,5 0 l',,lS 0 0 6808 0 7bl 0 7'2 30b212 _lOlb,_ _ _ _ _ _ 0 31> 5l.i5 't99b 5-042 .• ---·-- bOlM 26!>557 ltt093l 308.Jb'I l~b&3U "1b3b 5C.,bl 1298 ~1&2 0 857 0 H3 .. . --·-- .. •• . .,._.. C...:, i,::.. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis --.KEH8ER. 8ANK.s _ _ _ _ _ _ _ _ _ _ _ _ _~ENE.f1-T_ TQ_fSANKS.._.COVEREO .. BY .MOOlFJEl)_ s._85 ~ - - tl I NAME OSB 120bl 7b._ 120bl 840 120b.l'12b l.,cC,01975, LOCATlCJN TAHU€ NA tlONAL BANK TOkRANC.f NATIONAL BANI<. SEC.IJklTY f1A1 l0NAL &AN!{ NATIONAL BANI{ OF WHlTTlER l 791~ 22407 lbl 2 78 5-0ti7b SOUTH LAKE TAHOE lURkANCt: WALNUT CREEK WHl TT Hil. 5-0 BANKS AFfE:C.lEO IN STAJE: UF TOEP - - - - - - - - - ~ 2 2 / . 7 9 _ _ __ (21 (31 14) Ul (bl YL lCSH 1977 Nt:W Nl:W Olf _ _ _ _ _ RfQBAL_ fPA _ ___AfQbAL-131-l}J_ __ 401 104 lb-',l 1042 408 1022 ll'tl l'J7b 0 0 ._9b0 0 0 0 0 ~4~ 10 HAVE NO EARNINGS PARTICIPATION AC.COUNT OR REQUIRED, RESERVE ttiALANC.E 21 HAVE fiilO Rt:QUREO RESERVE BALANC.E * 468 10.t'.2 • 7141 * 197b ---------------------------10080010 C.TZ NAT Bl'. OF- A!<.ROri AK.RON 10080020 ALAHOSA NA J lUNAL BANK lvVB003b lOOBL/037 10000055 __ lOUBlJOoO 1J0800t;i!, lUUoJ0&3 lOObuObti 100::H.ilOO lOOol-UO _ lOOoC,130 10~130150 1Uubl,)19U lUUuC..(00 lU0tnJ.'.'.7u 100&027S _ lOUoO.i:.bO liJObu.i:.9V lUUbU.291t lOUtH.1,;'.95 1008\JJIJ!:,. 1CO&U350 _ 1ocsc:i~4 1U06U3b0 l00~U3b2 l00bU3t>O lOO&u"i48 lOO&C>4SO _lQObll4bl lUU8v.1t~O 1ovao"~'- l~U->\1493 l.Joeo,10 co w co co co ALAMOSA AR.APA.HOE CDLLRAltU NAT BANI< ARA..-AHOE COUNTY FlK::,1 NAT Cld'1K OF SCJUTHl>lEM'ttARAPAHOE. C.OUf<rtTY Flk.S.T NAllONAL BANK. IN ASPE:P.IA~Pt.N FAK.Ml:.RS NAT b< UF AUL 1 AUL 1 - -- - ----- tu AURLiRA NATIU~L BANK AuR.lJKA co ARAPMiUt NA f lONAL BANK BLULOi::R BULJLDt:R NATllJ-lAL bANK 8WLOER Flk!:.l NAl lN bUUL:01:.R bWLUl::.R NATJONAL S.TA TE bANi<. u, bUULUtR FHt.S.1 BANK ANO TK.U!:.l to t:iRif.111UN. FIR.::iol tut BK. Of bRUSli CkU:':.H flR5T NAT BIi.. OF C.ANUN CITY C.ANLJN CITY FRl:MONJ kAT l=.K· (;f- (At..ON Cl TYC.ANLiN C.l TY tGL URAUO ~Pk lNu5 NA. 1 l t.UllJkAUU SPklNGS LU tAS T br<. OF C.OlUkAUO SPGS NA C.LILUkAUU SPklNbS i:.XC. t.11.1 Uf- C.UL!Jt<AUU SPklNC.!i. C.UI...UKAOO SPRlNL.S f-lRST NB (JF tC.,L(JKAlJO SPKlNG5CllLl.JkAIJO SPKlNL.S t-lB Uf COLORAU(J SPklNb~ C.ULLtUOO SPRlNt.S PI k.LS PLAK NAT lUNAL bA"4K C.ULURAOO SPRlNC.S f-lk!i.l NA l l tH-NK Of C.UkTE.:Z C.OR 1 t.Z AHl:KlC.AN NB (Jf Ut:NIJl:k (ltNVL.K bUULl;.YARO COLIJRA.LJ{J NAT BANK Dt.NVt.k (.t:NlkAL OANr<. ANO TRUSJ ULN\iE.R CHtkRY C.Rt:EK. f.tATlUr-.AL bA.NK Li~\11:R [)1:.l'tVl:.k. C.OLUf,.AOU NA.l BK OF DENVER Flk5T kB OF bEAR VALL£.-.'( C.l:NVE:R Fl kST NAT ~K OF 01:.l'rilVER Ot.NVEk. co ME.: TRI.J ~Al HJNAL bANJ< --· ____ Dl:.k't'ER CITY tir<. ue Dt:l'tVER l.lENVE.R !:.1:.C.UUTY NAT10"4AL BA1'1K Ultl!Vt:R NU~IHEA5.l COLO NAJ bANI'\. OE.N Vt:R UNl TEO bANI\ CJf O~Pi.\'tR NA Ot.N\'E:P. •• "" co .., -----~--·-· co co co co w co co co co co cu co co co co co co cu co co co co cu cu co lb ZOO 21144 20177 29131 2377.t 171!>2 34182 lb536 35bij8 124930 b4&89 __ 24bb4 1!>2b~ 2b6l't L9.2.49 697?t1 c::531& - - · - - ~ - - - ~ - lU't4<J!, lb20lb ~~~-·~--~ 275.(.0 lb!:,9.l l4b.H lbtib"tb L72.U3 430101 72.'12 '98979b 3b't~b 9'i9U .. 5 7bbti9 5~7"9 10'7 .. 2U 24191 8~7C!i2 68 692 270 ~·.,o 244 ~83 689 llbb ... ~ 507 102 512 ,-4 -- ~34 122s .,. 1314 lOlb 431 1'2 400 32U l.}~1 109 l<Jll 4Tll S79 .., .,. .Sb 310 1129 ~Ob!> loot: llU.r::: 7Lbll J30 450 0 411 0 0 ... 0 0 3• 109!> !,020 2~92 --- 713 --- 0 0 0 0 0 0 0 0 3406 U'lb 0 ---- -- 0 0 0 0 0 692 -.o Ob9 llbb 507 5'3't - - - - · - •122!> 411 lC/9!> 0 502b -'!,'12 5;t.7 0 0 0 713 sn 850 0 0 0 850 3!:,.C.!> 412 2012 0 0 0 0 0 0 ·- 3b~0 _ -·- 2011 !-l74t 29bl bC::3 u 0 0 390 023 1'-17l 0 5-120 6>1 u 850 0 l9u-4b 3l91t 2169» 5l02 10't4b lb47 ~23b 1Ul9 0 0 120&0 0 ,.,..9 "~0~1 ___ .32Ytt __ 2.Uoo l373 909 34t8!>2 0 0 2'&2 2d'U 207 ~91~ 12b9 ~SU7~ 0 1710 14 ""09 u u 0 __ }149\1 ... . • ..• . .. . --·-- •·9 352~ ,1, 36..::.0 !,l 74 b23 398 H23 7122 891 9400 319• 9ll8 1019 l't.t:~9 3it9& __ J..37) l.tj9l l2b9 l)!>b9 • • . ....c.o <:11 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis _ _ JtfHBEILBANK..__ _ _ _ _ _ _ _ _ _ _ _ _ BENU'll_T0--8ANKS-COVERED_BY_MQDlf H.OJ. __ B5 _ _ _ _ _ _ _ _ _ _ _ _~ n 2 n ,_ _ __ I 1l 0S8 10080~12 1Y060513 1008US~O 10080540 NAME UNIVERSITY NAT lONAL BANK. WlSTER.N NB OF 01::f..VER &URNS NAT BK Of O~.UH,,O Flk5,T NAT B" Of C,lJRAM.0 OENVE:k Cif.NVE:R Olif(ANGO OUk.ANuO CO CO CO CO 79669 23U.l9 1sei!> ~lt003 7!:>0o-'t _ 100750 21743 l'i89l _ lOOEIC,572 CON Tl NE.NT AL NA TlONAL SANK. __ ENC.LtHOOO _ _ _ _ _ LO 1008(,bQO flk!>T NAT t>K. OF E:.NGLlWOOO 100.Suou~ R.EPUbLlC. NAT lONAL bANh 1U06Ub25 lOUt1l.lb70 lOOOOt>B-'t _ l00bU700 FlR~T NATlUNAL bAr-.K FIR~l '1AlIOPO,L BAM{ UNllE.0 bi',, OF Fl COLLINS NA fAfU1C.RS ~TATE:. HANII.. _ 1ooau110 Flk!>T NB OF FORT ~CuH.. AN 100c1U73b 1008U740 100&{;7!>0 l008U770 _J00f:IU718 (21 131 1917 TDEP VL Tl.SH _ _ _ _ _nlQHAL _ LOCATlON ENGLE:NOOC, E:NLLl::WOOO tVtRGREEf<!I f-C.fl. 1 COLLINS f-Ukl <.OLLlNS FOkl HOR.GAN. _ _ _ H.fr.1 HlJk.(,,AN t.LE:Nt:.iALt CO co CO CO CO LO 1HU81 "72'i-O 40109 to SOUTH C,E:NVER NAl BA.NI\ Flk~t Nb UF CAtNWulJlJ SPRINGSbLt.NWOUlJ SPRINGS CO CO FIR.ST NAl bi<. IN I..OLOE:N 15.T Nb IN GkANU JUNLlluN Hf:~A lJlO b'<.. NAT A~SCU U S B4NK (If GRAND JUNC.Tll.14 CAC.H£:. NATIONAL bANK FIR5.J t,,AJ bK Of- bRl:fLE:Y Gkl:.E:LE:Y NAT lc.NAL bANK ALA.Mt.CA NATION,tt.L BANK C.CJL(;RAOO bAN)(. ANO lklJSl ____ flR~t ,H:5,lLANO NAT llANK GOLOl:N tc, GkAND JUNCllON CO ll"bb& 27643 45-329 bO't8l b-'tbl'I bk.ANO JVNCT10N ___ LO 3310l 756 M4 l21 422 2055 0 3488 0 0 •o" 0 0 409 592 ----- 440 407 ••s lJ.3 oll SlO 310 1.(l!, 7S8 960 0 l&!»b 234!> 31-'tl "lb l-'tb7 1145 3119 010 0 1501 0 2)ij!, 119b 4CJ3l lbt,8 0 0 1777 137 0 0 1"93 -··· 101, to 10080t:OO lUUbVblC, 100b09l5" __ 100010(10 1ooc101 .. lOU81017 LA,._E:..,LJOUCO "'4Al JONAL bANK. 100010.lO flR:iT NAT BK Of. LAMAR l008ltJLl UNJ lt:0 bA.NK. Uf LAKEWOOD NA 10Utl)070 Ll T1Lf::1Ufli NAlllJNAL bANK _ lOu&lObO flk~l NAT Hi<. OF- LIJNGMCtH lOOtslU'tO LONLMONT NATIONAL SANK &RCE:LE:Y Gkft:.LEY JE.FH.k.SUN tCIUNTY CO C.O C.O 3u71t!I LA JUNTA lAK.l:: .. 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OF- STERLING 100013't0 flR~T Nb OF STKAS81Jk.G 1008142V lRINIOAO NATIONAL BANK 1vo01 .. ,a FIRST NAl BK lN WALSE.NbURG lOCbl,.45" flRST NAT 8~ UF Wt:STMlNSTf.R 100&1-\48 LAKE:S10£ NA l l □ NAL BANK lONC.MONl LOVE.LANO lO lb507 CO 5,119b 37362 L.-.KlW(..(JlJ LAMAR CjLbbd CO 331bS 306 LAKl::WOOO CO tO ,1, Lll lLE:TUN C.O 2200J 3d.22S 4Ulb3 CO CO CO co C.U CO CO SlEkLlNb CO STERLlh.b _ _ _ _ _ co MLNlRVSI: l"IIJNTk05,E: NLkl11C.LE::NN ______ PuE.tiLU PuE:t>lO Slt.AMHOAT SPRINGS ~TE:kllNG SlRA!,bUKG lklNll.JAO WAL!,E.m.¼URG Wl:SH11NSTER WHtA lRlOGE CO CO co C.O tlJ · - - - - - - ------ - 20't2 .. .34671t }7jll ... ••• 329!t 139.l &07 .t!>b l08't 1 .. ,2 ·-- S48 344 lSI ___ Dll lCJ"iO 21fj}O sso 391 4034!, 2i:.0"92 lb~bb _l09 16235, 179 12'7 34'3 14< 139 ~13 ••• 84S 4'1 23;9 4'.99 3!,t,5,i:_ L83tU:1 J!,4bd 4'031 70Y7S .•• .. . ljtl4 l.:S64 ti5S ___ Zl7o, _ _ i04b ____ O____ ;:)1t12 4179 12:2~ 4119 254t. 0 ·,01 0 701 0 45• l)l 2,1 7>2 0 0 b85,7 0651 ~380 0 1218 4123 &ll 4123 25lb Q l)U9 _____ u~-~- o __ 13u9_!"_ _ _ _ HS 218 121 0 0 721 Cc, bl)UO 2297!, 6.j-'tQ~ IOI OJF 4UY 592 GREEl.EY lOU8v16!> UI Plll;lif 341:Jb GKANO JUNC11CJN 1oc&o1ao <~I NE:.W _f.p,\_Rf.',10AL __ J31-IH _ __ lltbb - 70S 722 _ 2)bll 7JO l"ill •1 0 951 81 0 0 7H 0 10• 0 0 ..o " lb!>b 23"'5, 3Ul 0 11'5 0 ,3119 0 0 010 () " 0 0 0 0 O' 0 0 0 0 0 _____ o 0 0 0 941 0 0 S39 0 0 __ 18l0 ___H~ _ _ _ 0 642 0 0 s.co 0 0 !,l:t 0 0 l!IYY 109 0 2892 l'tOll 0 .. ----·-- ... 2)aS 4031 .44 b84 32Y5 --.--- .. ___,___ .. .• . . ---.-... .. .... --.-..• 13~j ••7 l0o4 l't52 __ O_t't93 0 13Cil3 0 • • '41 2339 hob 7oS 72l 25od8 7JO l,.7l 941 S39 183o S2U Sl2 1~99 2892 ·• _ ..... ~ 0) https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis _JIEKbER-BAt<KS _ _ _ _ _ _ _ _ _ _ _ _ _ _ bfNEflLTQ_8ANKS_CQYEREO 8Y_MQ01flc0 S.._U _ _ _ _ _ _ _ _ _ _ _ _-"lUl'J _ _ __ ose 10081449 WHEAT RIDGE NATIONAL bANK 100aH70 HRST NAT 6K. OF lolkAY l00bl't90 fARHER!. STA.ff; HK OF YUMA -·--·- Uf 111 TOEP LOCATION NAMf W11EA1 RIDGE. WRAY CO CO 20Cib2 Yl.NA CO 19223 _ 83 HANKS Affl:.CTED._.IN HATE CT CT CT CT CT CT &klDGEPORT 1090~,;,o HAR TF-OkO NA 1 BANK. AN.LI TR C.0 HAk 1 FURD lO~'ilO 720 f-lK~T Nl1 UF LI lC.HHELU Lllf..HHELO _ll.190970 NC.W BRlTAlN NAllLNAL BANK. ~lo 11Rl l AlN. ______ CT URANU: NATIONAL BANI<. C.lTlltN~ N4110NAL bANK C.1THH4S NS Uf ~UUTHINGTON LlbE.RTY NATlUNAL 6ANK l09lb9!, VERtl(.:N NAllONAL t:iANK. _2crnaos IIIIE:STPORT NA11UNAL i:.ANI'.. l C,9 lfs45' NUR 1Ht.RN C.ONN NA.1 t\ANK Of b62 0 1111 l4b .•• &62 0 0 0 u 770 1111 770 HAVE kO RE:QUREO Rt:::.,ERVE BALANCE .209(.1135 ST A TE NA TlONAL bAfll/C. Uf- C.LNN HRlL>Gt::POkT 10"#(1!122 AME:klC.AN ft..14.l llJf\ilAL &ANK. HAMul:.N 109(1~2:5 C.Qft,jNEC. Tl CUT Bl\ ANO TRU.)1 CO MARTFQRD 109131~ l09ljb(# 10'11455 209l~J5, 337 133 145 294'tb ----- 141 151 161 NEW NEIi Olf EPA __ flEQbAL_J3)-U_l_ ___ ~z ____ HAYE NO EARNINGS PARllClPATION ACCOUNT_ OR UQUIREO RESERVE bALANCL 3b _2090100 CONNECT ltUT NA l IONAL BANK. 121 131 YL TCSH 1917 _ _ _ _ _ _ RH1aAL __ URANGE PUT NAM SOJTHlNGTON SlA11fORD VtkNON ~fS T PLRT WlNLtSGK LOC.KS 14 8.UiK.S A.F-F-1:.C.lEO IN STATi: & 2 ,1 CT CT ,1 CT '1 'T 53&5 2282 5202 143,2 160b5 0 335H 113812!1lo9 2517 62219 5474 .. 310~ 190!,At 374C,~ 50005" 5"3l2 35"3bb II 21239 519240 20001 5..i98b3 &2!18 1118 12509 14847(1& l!>34tHi4 i.1i19 &b32l 2311b it023tl 220!>7 19b8C, 1965b 247!,b 36443 -- >9J 40'3 804 897 -------- ,a, 0 0 >e• .., 4~6 u 1491 234 0 0 724 501 Ill lOb 4Ul 391 l.41 0 0 2, 1>• 0 0 0 0 0 u 9099 92,,.. l!>U .... - • • • .. ••2 . --·---·--. 897 1 !,b4 J97 247 0 43& 0 0 7>• 2~4 0 650 HAYE NO EARNINGS PARTlClPAllON ACCOUNT OR RU,tJlRt.0 RESERVE: bALA.NC.E HAVE NO REQUREO RESf:RVE BA.LAN<.E ------------------3100420 FIRST NAT BANK Of- W'YOMlNG Of 20bll WYUHlNG l BANKS AFFE::C.lE:O IN nATf:: 228 &50 0 l HAVE NO E:ARNINGS PARllC.IP.ll,lUN ACCOUNT OR f\E:OUIREO Rl:~t:RYE: 0 -~ HAYE NO RtQURED RE.!i.ERVE BALANCE: • bALANtl:. ----------------------·--------·--------------5110010 AMERICAN SECl.RlTY BANK NA WASt-llNGTON Ot -~11~020 BANK OF COLUSH!A NA_ WASMINGTCN _ _ _ _ _ Ot 5110045 Ol~TRIC.T OF C.ULIJMBIA NAT Bk WASHl .... GlOflt DC. ~llOiUCI f1C.LAC.HU:N N.tillUNAL BANK WASHINGTON OC 973294 10&2$ 52&lo 5H0 _ _ _ _ _ _ _ _ 3&H3 __ 1735 ___ .\bo _ _ 0 bbb34 1!>8.lt 2918 l)b!, ll>09 1179 1<99 0 378•5 14771 (I 1299 o __ loO---•-o 291& • • ....co -:i https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis --~.KE.HfH:R SANKS ____ ---· Ill NAME DSS _ _ _ _ _ 2/22/79_ _ __ - - - - - ~ - - - - - - - 8 . E : N E F l T..TO bANK.S C.OYERE.0.8Y 11001FIE:O S. B!J _______ _ LOCATION TIJCP 121 VL TC.!)H (,I 1977 141 (51 (61 Nt;W NtW Dlf ____ RlQbAL~_f:.P,L __ fl..l{Jt,A.L_ l.l)-t~L_ __ DC DC 5110115 1'1A01SON NATlLNAL l:l.ANI<. WASHlNGlCN NATIONAL bA.tUI. Of- WA.!)HlNC.TON WA.SHlti&lUN UF MASHlNGllJNMASHli'iC.TUN S>l CAP 1T AL i'iA l lUNAL ::.AVlN!.,~ G. TRUS 1 CO WA$Hl~lt..fl: RIG!..!:. l\lb UF 'NA.SHIN& TUN 0(. 'NASHli'-IGTl.N WASH!NGT~ .St.CUl<..l TY NAT 10:'IIAL t.lANK. MASHlNGluN UNllJN f-IRST Nii Of WASH 511C.£05 UNITEO NAT BK Uf 'NASHl~&fON WAStHN<.,,TON 5110130 5110140 5110160 _ 5110170 5110190 51101Y5 OF •• 12 &ANKS AFFt.C.HlJ lN STA.ft. 3 4 Ot DC DC DC DC Ot 10£154 221b 5359 51b3b5 3.3-JUl lb414 24501 10>5 l"'bb 33C:bl4 b945 Bi.737=:> _... .2.23b .. 7b700 167 l l.lo-02 446227 .:J9t:lb 94' 15626 _1'tUO~ _ 330 .. 5359 0 12..... 3 l.::O!>b 0 10!>5 .. 93.. 5Mu 9986 5.:21 __ H291 __ 2757 .. S.S65 0 3542 l78b 0 lbi~'t 1496 53C:3 bb 79bl HAVE NO E:ARNlNGS PARTICIPATION ACC.UUf>4T OR Rl::.QUIRl::.D RE.SE:R.YE _•HA.VE. NO RtQURE.D Rb,E.RVE:. 8ALANC.E 0 3542 101c,3 1"'96 • • • BALANCE: -----------------------~----012001 S SA.RNl::.lT BANK Of- ~EMlNLLE: Cl'fALTAMLiNTE ~PRlNGS FL ____ fl AKCADIA. oe 5lJ10 NAT 81( Of ARC.AOU. FL Ok JOA Flf<~T Nti AT 6AR10"' BAR fUW FL f IRS T NA TlONAL t:IANK TR CO Bt.LLE:AlR BLUFFS fl bO(.A RATON tWCA RAlO-.., NAT bANK FL f-lRH b(.TC. Of bi,;CA. kA. l(;N NA buC.A RA 1 Ui fl flR!>T Nti UF eot-uTA SPklNC,S tH.JHlA. 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OF t:IKUNS,./ICK. b i.3US60 FlR~T NAT Of.. OF t:HtUN.51111(.K 61306~(> CALHOUN FlK!> T NATll..11'1AL bAN!I. Al LANI A A1LAi'4TA ATLANTA A lLANTA AlLAr,.,lA Al,GUS,l ,\ 61311£0 Ol3ll<t0 ._bl)l'tUO Ol314'1J Ol315bU 6bl~10 Ol3H:,50 b 13 ld<tS _bD1950 6l.31Yt,0 bDl040 613.:::110 613212!> bl3il.&O 613.i-:~lU bl323b0 bl3L4i0 b 13 250~ GA GA GA GA cKu:-t~111.lC.K. CALHOUN (.4KRULL lDN C.A~ HRS\/ ILLE (..t.(JAR10WN. t:.l:DAKlO'wN CIJLUMtlUS. COL UMt,US, Fl RSI -.1 BANK. u, C.uMHtRLE: l.UMME:RCE. (.ufi.NtLU, Flrl..!>T NO Or HAbl::R~HAM CJ'( Fl 1-{~1 NAT BK. Of- PAULDlt-lb ClYUALlA5FIRST NAT ti!(. OF LAL I ON LIAL TON f-JK.lT NAT IN EltiEKTON t.lu£:Kl0N NAT bK. OF Fl TlURA.LlJ flflt.l::IULO flkST NB OF C.Alf-.1::SVl llt; C,AJNt!,V l LLE:: C.AlN!:SVlllt: NAl lONAL t:,ANK GA.INE:5.VlLLE rikSl NAT dANK lJF- GKlt-FlN Gkl f- F lN FJRST NAl dANK OF MAYNI: CTY JESUP tjRANO jjA,NK.H,t. C.UMPANl' LA'l"IKEtKE.VlLLE t-lK!,l Nb UF C,i.l lNNt. 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L.OUNlY __ b 13 0'100 FIKST •AT o< (If (.(JLUMbU~ C.0 (JF C.OLU,'11..wS t.A bl3li'>'J.V htl bl3U950 b 131040 111 TUEP LOC.ATION NA~E OS8 ----·--- 2.2D9 ENE.f_l_l_tQ_B.AN.K.S,._CQV.E.Rf..D__Bl'_ MOOlFlEO _S._85 C,A --··-·---•---- GA uA GA GA GA C,A uA GA C.A GA SA GA SA C,A GA uA GA GA GA GA &A GA C.A GA uA GA GA GA 194 15b90 - -- --·--~·- ---···-- ~·- - ------- !>680 3893 5261 .i: .. 30 l4:,0 909 b4t:lti 372 bb-'t't bb9 5lb3 2400- ltl.94 "" u l:,b) ll;l-'14 4:!j8c; 5bb lb9l }!,.071 :ne ••5 bi~ b',l 17Z )"12 '!l 3030 0 ••• 0 •un1 0 b40 1054,- 0 0 178 0 0 2147 329 bbl 'i03U b<tb42. ~~14!> lli.Hb 2!)bb4 5~ l 1b 1·,979 lbb2 l::tbY Ob> .:!t,l•,t, 1120~0 £'1307 41014 3'tU85 lb!)-40 00b77 ;s. ..,~ 7jC. __ LO.lb bU4 243 0 0 0 0 0 0 0 0 0 "0 ,01 314~ 11& bb2 4-03& l3b9 bl9 0 0 0 2002 1034 3&1;!"t Sb9 0 0 0 604 3'>'93 1034 1342 0 202b 0 :,6b"t 416 409 au, 711 0 0 ~uo 13't2 >11 ~£0 13 0 0 0 1451 511 0 0 8091.:S . 200'1'1',0 2410 .. 2.1'il.9 101110 4Sl 52/J't 20bb50 513b 0637 .. & 72 lU!:,01.tl 1990 42~l 222tl 25232 2b79J 37306 5'3 >su 0 , 0 0 .,,, 112 . b47 02.~.C.l 0 0 0 0 0 -- db. 359 73b 3'tQ) .;.::10~ iO'>'O --- 5bb lti,91 3S2 705 53t>l 0 12~2: 281 4427 :,3!, 3~0 .. 23b9 0 0 0 lb97b 1~6720 0 0 0 .. . ..• ... ·--·. .. .. .... .. .. 0 100714 't29 __ >4l b69 5'8 2400 lti'14 0 193 lbb6 ---- 0 0 3510 37-45 710 9.t9't 70> )0,£ 42't b.:n7 _ .33!>4b ___ 17239 0 2't30 1007 1511 u 1447 -- l.ZL91 0 0 0 H9 0 l61b!> 49S 5060 2904('.9 10591 809 82754 2-'tbb 268 463 0 506lt5 5ol !,361 ltH7 b40 10!>'407 20 7~8 ----- - - 161 ~If _ .t10l 11;L . 507,:,~ 3521,£ --·-· 151 NEW EPA _REQbA.L__J3J-~) _ _ _ !>222 46!,.1 !>2.1'1 2-"07b 21321 14096-'t 75330 21 753 --- ,., NEW 79b7't 2f:Jbt:ll:1 78~4 3479 41281 GA GA GA GA GA GA &A !>o.£850 .H073J 92blbti 63b42 27b543 21706 1"18.;9 bJ~C,4 bt11&7 !,415!, 215.<'..b 131 1977 - · __ ._kl:.QBAL___ 13'92 !)t:u ~lb) o(.C-C,0 3ti:ib9 bb.:.1 ,,o 'w.:'32 041 9o> .. I--' ,I>,. ~ https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis osa NAME bl3331S FIRST NAT SK & TR CO 6133360 FlRST NAl t\Af« IN WAVCROS.S Ol,j,,j,.)':f0 bA~"'- OF WAYNE:St30k0 0133410 FIRST NAT t:,K OF WEST OF PUlNT 12150032 BANK OF HONOLULU NA 12150007 HA.,iAll NATIONAL bANK 2 BANl<S AffECTtO ------ ---- V !DAL lA l10,Y(1W$!, WAYNt ~BORO Wt.Sl 25, 22 183"t3 24150 l319U GA GA GA GA P01"1T ~3 bAr«S AFFH.TE:D IN STAT!; Of (41 (21 lbl t:;) t ~I tll 1<;77 TOt:P VL H.SH Ntw litW Olf - ____________ RlQbAL_HA_Rf.QbAL_ 131-l~L--- LDCA TIDN ---------- 300:,68 379 419 3S> 559 0 0 0 0 504 '40 "'" 1123 0 ~04 '40 c,% 0 11'::'.3 0 0 24tb0 D 0 . .. * 11Ave NO E•RN·1N&s-· P-ii1·1ciPA110N ... ,,(JuNr oR R1;0u1-no kEse.RvE bALANce HAVE /IIJ RtWUREO RE!,f.k.VE. 8AlANC.E ' HI HI HONOLULU HOOOLULU L4728 308 106783 3332 0 812 75,7 ------• HAVE NO EARNINGS PAkTlCIPATlON AC.COUNT OR RE:QUIRE:U RESERVE: bALANCE HAVE NO RE:'1UREO RESERVE: BALANC.E: IN STATE ----------------------------·-----------12lb0040 BANK. OF 10AHO N A SOI SE 12 lb0045 C.ITUENS NAftONAL. SANK Of. 10601~1: _ 12 lbOObCl flRSl StC bl\ OF !OAHU NA BD!St -~----12 lbVO?O JD.A.HU fIRSl NA 1 lU"4Al 6ANK b(Jl ~E 12 lbOlOO f A"-ME.RS NATL Bi<. (Jf bUHL Sl.t1L 12 loc.i2 lti lDAHJ ST Ali:: bAltK t>LE;NN~ FERRY 12 l.604.!>0 lj,j)N t-ALL!> BA-"lr'. AND TR C.O lWlU ~ALLS l.?: lb04't0 flR!>T Nb OF ~KTH lOA~O WALL Alf: OF • 8 bANKS Af-H:C.lEO IN STATE ID IO ID -·---~-~-----·--· 10 JU 10 10 10 •• _ ALB ION ALEOCJ ALPHA ALTAMCNT ALTON AMBCJY AN/llA ANT !OCH ~•2, 015 8309 17305 7b4 _ 3!>9!>7 _ 9t:,7) 1., ~31b_.. 7ul 2011:n ~!>5 7b!>4b l0't9 9(:U 3!>15, 4l!>b7 >DI H>l7 soa1 9378 1921 7<>4 0 0 4973 -- 23>8> -- 12:)72 1!>7~7 !l-003 3liOU7 7vl 0 0 0 0 'Jc:'0 1884 0 3!>1~ 34b 0 lb11 3 HA.VE NO EARNINGS PAkllClPATllJN AlC.UUNT OR Rl:QUlRE.D Rf.Sl:::kVE l hAVE NO RH1UkC(J Rl:SE:RVC BALANCE: ---------------------------8llU050 CITIZENS NAT HI\ (Jf ALBlUN 7 l 700b0 NA 1 lUNAL &ANK. Uf Alt OU 717U120 FAkMl:R!> STA lt BANK OF ALPHA 8170130 F-lk!:.T NAT IN Al lAM(.ll'H 8170150 FIR~l NAT BK ANO TR co __ 7170110 FlR!,1 NAT fl~ lN AMblJY 8170190 ANNA NATH.lNAL bANK 7llU22:U FlRH NAT 6ANW. lJF- ANT lOtH 382212 3U043 67b7V8 __ 115olb~l l'l47l ~ALANC.E --------------- -- --- ---- - ---· IL IL IL IL IL IL IL IL 33747 H931 l!l-5 1)~3~ 1<>1 103 l~b 732 _ 2>2 2-.3tl3 3bb 35423 ~29 l4fl8l 2;)170 1~8b"1 1237 0 0 1712 0 H3 ,o4 0 0 4; 1::t,~ 0 0 30~-' 0 -·-- --- 0 't0C1, ---·0 0 73" 1,v 0 11<> l""" 1237 1712 4<>4 13> 3U52 40c, 73it: 11b .• . * • https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis ___ 11.EM&E.R BANKS ________________________ -~-- _____ &ENE Fl T __ TO BANKS- tOYERED BY HOD1Fl.E:.ti S. 85 _________________________ _uzu19 131 1977 ___ RE:.'1&AL_ 141 N~W 117 ARC ULA 71702'-0 FIRST NAT BAM Of- ARC.OLA 771 lL 22~1'1 711C.2tl& f-IRST AkLlNGTON NAT AkLlNC.TON HEIGHTS 27'19 828 81726 lL 7170310 STA lE BANK. CJf- ARTHUR AkTHUR 10'93 174 2792b lL 717v .. ~O AUl".ORA NATlUNAL bANK. Al.RGRA 2!:174 1223 7S~b0 IL IL _______ __ 7l10'tb0 ME:.kCHANTS NAT bK OF AIJRURA AUk URA 3479 9b281 ·- l3U9 AURORA 'tV'-10 '#t:1741 7110470 OLCJ S.E:.l.llNO H~ Of- AUkOkA IL l-'98 1740.l AuRORA 717047S VALU:Y NATlU~Al BANK lOb IL 4t8't2 120478 7170~10 1!. T NB t TR OF 8ARR.1NbTON bARklNGTON 1181 IL 2':)990 bAH,YlA 711U~d0 f-lkS.l Nii lJF SA lAVl.\ 7>9 lL 3o2 ZOt,02 717<.i~eo FIRS.T NB CJF l:)t:AR051UWN bl::AKIJSTUWN 4b0 349 IL 't!JBU _ 1189)6 1.:>~t, bl:.LLEYlLU: al 1UtdS EH:LLl:.Vlllt: NA.l S.YC.S lL l4b"7bO 817Co50 f-lkST NAT bl<. Of- Bt:Llt:VlLLE BELLEVILLE:. bOil l~b2 IL 1110:.bb bE:LYIOH,t: NAT dK & TkU51 C.O bELVlDERE 137b 't8!1!J't IL 7 llu7 30 bERi.YN NATIONA.L BANI<. ll4b 37479 BERWYN 3b> IL 7170.7'?)3 tOMMl:RlC.Al Nb Uf- Bl:RW'rN 694 10721 bl:.R.W'f'N IL "291 7l7U-,-10 AME:.klC.AN .::.h,lt: t,At,,K,. 709 't4b18 bLOUMlNGTON lb7l IL !)jb _ 717UbUO NA. l 10"1AL HA.NI<,, Of· BLUOMlNGTOiBLOOMlNblON - - - - · _ l l ···---·--·-·-----·--b!l'tl5 lff5) bl2>99 7170Elh1 Pt Of-LES. BAN~ Of BLUJM lNG TON BLULJM lNb 10N DdU IL 111c~,o F 1-k.~1 Nli UF bLUl lSlANlJ l,LUE. IS.LAND 3.£1:)i. l~bl lllbl7 IL SS3 &O 1.Sbbb 817UC50 bA.NK. Uf BLUf fS. l,LUF-fS. IL 1., 817L&90 S.1 ATE bAr>iK (Jf BREESE lb'l11 BH.E l::.5E IL :,t,7 :,,4t, BkllJl.E:PORT 6 l 7v<.t00 f-lF<..:::,I NA I di<. Of bRlUGEPORt IL lb33.l .. 717:l9l6 f lf..51 '1AT 01<. Of URLJLIKHtLD bKOUl",.f-11:.ltJ 494 IL 1S9 l6!134t 1'11731 717090& tjUHALU Lfl.l..lYl NAT lVNAL bANl'i. lWF-f-ALO (,ROYE 23.i::'. IL ~b3 112 7171100 ~AT lOr.tAL BAii:<.. 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OF VA~AL lAVANOALlA " " "' " __ __ " cu uo -· "' " rn w " 1977 RE.QhAL. 141 N!cW EPA I 51 N!cW Rr:QbAL_ 161 LJl~ {31-(51 _ _ _ 094 511 0 0 511 114 0 133 88/ 818 68 223<t9 40404 3376ft 4~'932 25oB2 u b87 818 llt;3 17073b 66b11 l 1SQl!) 174901 11613 625-58 l4lflt:il 87172 £0}. 88 £2.!107 4192b 55711 222ti5 2U8.!14 15U5S 21112 2U37S 2.2.4bb9 41V98 15532 2076'1t> 19£33!) ,j}.jj~2 2t.~S2 3364£ 75941 57153 27211 l4'-VO b274C> !>b.!4~ 2U.j97 00:,19 _ 2V7¢.0 2U'10~ lbb4l i.o&!>7 lU l.:'.37 2 5!>l'J -------~--- 13) I 21 Vl TC.~H 2b012 23~b2 ---- ZZ/19 _ _ _ _ 8!> - - - - ---··----------- ----~-----·-- -~--·--- __ s. s:n 1193 li04 u u u 1743 272 0 >38 2\J4J. lb37 5bl u b'tl9 0 5> 0 0 llb3 0 >90 31" 0 _o 1394 ,£,£~,j 1'>'27 lCi4b 102 417t, 20lB 975 'tl 87 1115 4'o0~ 5032 0 887 23b5 3o4 0 s>7 >51 u 472 04b £!>4 19b 1620 2lt.,1'1 583 191 540 •11 0 0 0 0 lbO 138 3Bb (I 0 22~5 b350 t!i5.l 258 22~8 1011 459 3b9 1790 3tb2 %2 ,,2 b12!> Li-47 lt!5 61.41 4691 3!,51 lQbbO ,283 11~4 '"" '48 7bl 21• ll9S ,0::,1 l7bO bb3 4b~ lo.J7 lbO~ 1013 54b .l4i:t 131 9ob ...."'" 2:93 2'5 -··- •75 2311 •1• 781 " 0 ltZ~V 319 0 4960 30u7 4905 0 ... 394 115b JS. u lob 120'1_ 1743 5b7 bjb4 225~ b3SU 701'.9 2~b 2253 0 0 0 0 0 0 (J 0 0 281~ 0 0 934 0 2988 u 0 0 0 0 0 0 0 4171:J £0lb 97S >51 1 1620 2l(J9 5b3 791 )bb 9b2 1,2 5"91U 1347 Lb5 7£07 4097 1~'/1:l 781 ll9S 2731 l1bb ob3 403 lo37 lO!>it 0 Q lb03 075 2.jll 016 4bl: 0 0 0 0 0 7bl 176 jjb 100:, 550 0 9~S 386b u 55b ~45 38bb 121 10.;i:s 0 0 0 0 135 23b9 0 10)& .. .. --·--- .... .. . .. --- -- • .. .·- ..... <:n ..... https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis _ _ 11.E.M.BE:R _tlANKS_. ____ -----------· Ill O~B NAME LOCATION VANDALIA 717713!.IO VILLA GkUVE SlAlE 6ANX VILLA GROVE 7177i:,60 YI LLA PARK. lR r. !">YG-!VlLLA PARI<. 7177910 CIT HENS FIRST S TAlt: bANK. WAUiUT H~~hlNC,llJN ___ - ___ -- 7177>60 flRSI NA l lONAL t1A1'4K , 8 l 7b000 FIRST NAT 6!<. OF WATERLOO MAll:.RLOO 7l1b0)5 l'IAUUJNVA NAT lUNA.l BANK. WAUCUN04 111eo31 AME:.~lC.AN NOC.. TC. OF- WAUt'-El.AN. WAUK.E.l,AN 7Ub040 CITlltNS 1-iAlL BK. llf- WAUK.l::GANWAUl<.tl.Ati 717tSO!>O f-IkST NAT 6Ar-.K 01- WAUl\l:.l,AN W~U:<.l:LAN WAYN.E C.l TY _______ _ 617807\J flk~l NAT Bt'.. OF- WAY:'il:. t l lY WE:!:, l LHlCAGO 7 l7~1L.0 F-l F.$1 NAT IUNAL b1'N1'. 711~1-'>U f-1R5.T Nb UF WCS TE:.R11 SPRINGS Nt.5 H.f.:.N SPklNliS l-ll:.:511/lLLE: 717blb0 F-lKSl Nb OF WE!:>lVlLLE: 7 .i.lb2b0 F-lkH fib ltF "l l.MIM, TUN Wll.Mlt-,;GTUN WlNNtlK.A 71ll::3UO FlR!:,T NAT t::\K UF- WlNNE:lKA _ a11i:,.;~o FIR~T NAT bi<. OF WOOD klVl:R 1-100D klYER 7l7b3b0 F-lk.~1 N" UF MOODS TOCK lftWIJSTOC.N. 7118'130 YURK.VlLLt NAlIONAL ~ANK YURK.1/lLLE ., 349 8AN'<.S AFFECTED IN STATE 13b 162 13) l•l (5) lb) lUEP VL TC!">H 12) 1977 NE.W Ni:W OlF 40502 155b9 'io.n, 2093b 2 l-'>24 230'14 31091 (>~29£ '45 l>b 141:l:> 0 l'i&5 >03 0 u 1>1 145-'I 0 l",~4 230 ... ,21 0 0 0 b19 122 1,2 0 ..• ,,. .. ... ---.-.• • . _______________ Rl~OAL __ EPA __ f<WbAL _ (3)-(5) _ _ _ _ 8177770 Fl RSl NAT BK OF VANDALIA OF ---- 2/ic.2/79_ _ __ _ _ _ _ _ ,&E:NE:Fl.T_.TQ _BANKS_CQVE.REO _ay M.OOlFll:.0_.5.. 85 ____ -------·· lL lL IL IL IL IL IL IL IL IL 7.;!:ill __ :ni ___ 162 :n~ bl2 49bbb 2223 lf:108 lL 25065- 15~ IL IL IL IL IL 2307~ 37!,7!, 14617 2001'4 6'192d -'t9446 4',1176 31126 ~bl:l IL IL IL 402 232 340 311 7b0 :n1 413 360 57tS o ____ ,., e,79 2212 lbl4 b~l 1101,o 936 __ -71<, 1-<6!:t 31> 7H 2820 17"10 lb94 93(J 0 0 0 0 0 i-• 0 0 0 0 •• 0 0 0 lb Ob 0 0 0 ,11 0 0 0 ••• 0 50> 73> 2212 lbl4 b2:l 93b 7 lb 1.£6!:t :,1:, 773 .i:'.b£0 1740 tlb'1'4 .. --- •- - - "30 HAVE NO RE:QURE:0 Ri::!:tE:RVE BALANCE ---------------------------------------------------------------------------7180040 7l&Ol00 ~-710Cil.C.O 718Ul40 7 l.9Dl50 7l&Ulb0 7lb0lb0 7lb0£00 8180"-SO 8lt>U260 7 lbL3CfV 7leu310 7 l6C370 1 l&V3t15 _ 71SC..420 8 lbCi445 718v'tb0 7160'480 71&0530 ALBION NAll. BANK. FIRST NB OF HAIJlSCN CTY flR5l NAT SK. CJt- ANGOLA tl:.l\llRAL NAT 8K ANO TRU'.>l CO AUuURN ~lAH: E:IANK tlTY l'IA.lL BANK. OF- AUbURN Flk~l NAlL bAN!<. OF- AUKORA. COMKUNllY S.IAH. UAN!( bt:.LIFORO N..\ T ILNAL BMH',. C.11 llf::NS NAT tsK. Ut- bHif-ORO Bt.:NlOl'iVILLE ~1 Alt B"-NI<. Flf...51 t::.A~K. Of- t.H;kN.i: t)LUGMlNC,llJN NAllG'-Ml bANK t- lk::tl Nb ltF bLLlJMlNbll.JN ULO flR51 NB 1~ BLUFF-TUN -..ARIUCK NAT 1U4AL 6Al'1~ flR~T ST All: BANK klDOELL NAT bK. OF OR.AUL fKAMLlN COUNTY NATlOr>IAL 61\. Al.BlON ANOl::RSON ANGCJLA. All IC.A AU'dUKN AUdlJRN AUkUkA. AVILLA ____._ _ _ Bt.DH.lKO I.H:DI-UkO UlNTUNVlLLl: 81:.k.N.t bLUOMINb TUN t)L(JOM ll'-IG. TON BLUf'flUN 8lJOt-.il/lLLI: dOURbON bKAlll i:;ROUKVILLE IN IN 1!>284 5 ll30b IN 2'it>t>? 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NAT bK OF AB lLE:NE: ABI LE.NE lJ.C.00.:lJO Cl1 HENS MT oK C ANTHUNY tu ANTHOr-..'I' lv.2U0.2 l0 FlkST NAl BK Of ANl HONY 10200;::-.o HUl'<\1: NAT bK OF Af...l\AN.SAS f.l lYAf...r<.ANSAS CllY 102LIC,3LO Cl1Y NA.1 b!( CF Al(.HlSCN A1CHl!i.ON lJLiJC.330 tXL Nb & lK tu Lr A IC.NlS(JN A lC.NHON i..G.:-u04~0 AS NAT eK OF BAXTtR 51-klt,.GS t1AX.1E:t\ SPRINC.S lC2Vv1Y0 Pl:.Ol->U:.S NbC. TC. UF tiURLl~GlON bL"RLlNGTON 10.::00..,~0 f }i,:!'.,J NAT o< Of CHA:'iUlt (r!A~Ult (.LAY CENlER l0.2VlO~G PE.Uf-LE:.S ",b UF C.LAY <.H,H.k (.LAY UNT!=k 10"-0lut-Q LINlLN STATE bA:'.K. l020ll"iU C.LM,UN. f'..tl Of C.llf·H.'t'YlLLE Clif-F-t.h'llU:. 10£.Vl lSV FF{Sl r1A l BK Uf Cl.11-H 't'"V'I Llf.: C.CJf H:Y\f J. LLE 10,Vll 10 1 t1UMAS UY Of C.(JLt,Y LlJLbY (OLL:"1blJ~ 10..--:i 1£.i:'.0 Fl f,,'.)J NAl a, Of LULU!"':bU.S ANO lR co {JIJ;)l,t;. 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(Jf hUTCt-lJNSC".N t1UlC.t-llNSGN 10£u~Oc6!> Nl.J1CH1NSUN NAT bK C TR ''" '".,• ,., '" • "' '" sc.on 102625 37453 3707~ 30'1"t't 15o9 3L8 :,,12 .t5ol 131 ( 41 1977 NCW Rl.l.;.8AL... ·- E:. p,t. ..• 3:,54 1778 1198 L,06 1093 63 HAVt NO EARNlNG.S PAR TlClPATIUN AC.CUUNT Uk kf:.C..•UlkU, Rl:SfkYf;; NAVE kt.QURl:O RE~tRVE BALANCE ,o 151 N>w Rt.(.bAL 161 GIF 131-151.~-- 0 0 0 0 3!>!>4 0 0 11'18 BOO 10'13 KS l'7b60 KS KS J.B~-,9 KS KS KS KS " Ks " KS KS KS 159 b9 bb 172 l!> 43¥47 3';410 ,2702 224~1 i:.Ul .:'>O 3391'1 ,s, .:!350b .2 2!54b lo3 194 2.3t:23 50873 (.t,3 ~.40 403 2 3',2j. 11 I 2:3J771 ~0878 35,477" S&7 300 304(/IJ -.1 ,---------- -·-- 16• ~l 701 733 KS 30;;2"1 <5 <S 43'14(, 314 500 130 " ,s l ?£,c 3~t!Ot1 2ob <5 157':13 97 KS 28b£<4 313 'tlU9 51007 32714 1711V 19141 l 9ll~ l60-f.3 946?7 105653 <S5 404 361 ,s KS KS KS ,s ,s Ks KS ,s 83b 0 0 llc~ 33 0 0 0 u OU9 0 0 0 0 Sol 7'tl l 7t,) 1071 7d7 lo'd } 7il lO~"f 1, .. 3 1)74 1~54 s,9 10.,0 le02 }oj4 394 2b9 KS KS 0 0 0 1"4.':0 KS KS KS 311 17 0 7SO 7 ~2 61Y lb02 lo34 l.:'.20 • ~94 6::S6 llc!:> 750 7J2 bl9 <50 3C.b 101 24-, 108 61 b9 "" 923 s,, ou, &61 743 l 7H3 1071 101 lb'>'_j 171.l 10~'1 .1:>43 l~1'1t l~~'t 549 lC30 6LO 1008 lb79 170!'1 lL&1 );} 197 737 b!>3 40~5 37"9b ... 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TRUST lD 2U ~OlU f lk.Sl fllt:H,IC Or ~All NA l0,c0'.;03u r-.AT bK UF A.ME:.k!CA AT SAL INA Or !)(.UTT CITY 10..::U:>Gt>O FlKSl NAT l0.2U~070 f-lRST NAT bl( Of Sb.JAN lU<'.V!.il'>'\J FIRST Nb U~ SMl Tt-1 Ct:~tlER 1V20!.i52.!.i F-.lRST SAT OK Of TOPE:1<..A lU.::tJ':15!>0 M!:;.,,(HANTS Nb Of- TOPE:K.A lOLD:i.520 FIR.ST ;'>.IAT B< h'M-!.t:.LU 10.::0!.it''-0 flRST NAT Ur WASrllNGluN 1ULU5'110 flK~T SAT Uf W!:LllNLTD"i WI C.Hl I A 10.i:Ot.Ul'.O f lk.!)J l';B lOLut>,_,.3~ fQIJRl H r1Al ION.Al bK lR 10;:,00042 NAT lONAl OMIIK Uf WI(.HllA "" a, ,."' • co KS KS KS KS KS KS NlC.HllA W!C.Hl TA ---·- -~- TOEP ---~---- -- ---- 38187 29739 299 2::,::,09 699 174503 1£11 10·19 146 146224 17863 14975l.7377 2b9b3 ~4bb1 -.5.;:-,75 )'>3tl6 30li::l ll:1611 3lb3b 418~7 5t4b4 16127 £.1215 lb97l 20229 30447 ,s KS KS KS <S KS KS KS KS KS KS KS KS KS KS KS KS KS KS (2) Vl lC.~H ------- ----- KS KS <S KS - KS " FKA Tl KS ST JONN KS .SALINA KS SAL 11'11.A KS KS Sl..U ll CllY St.DAN KS !)Ml ht CENTER <S lOPl:.KA KS 11.J?i:.~A KS .K5 ________ WA."1t:G □ WAShlNGTON WELL IN(, TON ftlC.Hl TA --- - ·-------2./22/79 - - - - - -·-- --·------- ____________ , 480 ,., 52 (3) 1977 ___ .Rt.~liAL 0 lb44 0 0 bb4 349 7010 -4521 1011 bUU5 49tl7 ~!>03 0 0 49b7 59; '"' t:;O9 8>3 040 2.131 907 o» '" 2':rl;I, .Hl 890 l0b3 1£13 164b 20bb 71L. •o~ 701 ""' 14.B l90UO S9 l. lStlO 39 l3S 3316£. 2:,191 so:,10 104127 3491 ... 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WlLLlAHS.POkT MD WOUD81NE:; NAT lONAL BANK WOOLJ81NE MD 18O5b 28113 • 13 lb B>O 298 93, 901> ,104 •oz " 32 BANl(S AFF-E:.ClEU IN ~TATt:: 2988 20692 35• 173491 4lbl 32442 ___ 3b, 1.620.l 309 394i0 5H r,3{.,S,lj 2U49 44543 11't2 19ib1 1bS 743'.":)2 lObd 52429 35(11~ b3S ,14 152.i:>7 8t,054 1333 107330 lb94 50560 21527 Jt,4-:'.3 61:,502 506 524 597 )585£ 1701 ll3tl 105-'>8 344 1~135 l>e 0 0 2.£ 74 0 0 0 4104 lClll D 1821 32!>0 0 >c >Ju lbi'l 0 491 3~Sb 1494 0 915 0 !Sb 0 2107 -- . • II 157'+ 25" b41 0 2S9 0 2043 3321/ 2:03.> . bbS li!88 lb.H 351 850 93, 0 2 0 10.lZ "dlO 1•1 UIF 131-IH. _ __ •o• >70 0 0 915 lob 0 ii::.107 1574 0 0 841 0 2!>9 3329 4)10 2033 , 065 l~O 0 0 0 0 0 0 0 0 0 0 3"o6 0 0' 441 0 0 0 545 933 446 ~b4b 651 . 0 (, 340 447 HAVE: NO E:.ARNlNGS PARlltlPATlliN AC.C.CJUNT Uk REQUIRCO RESERVE HAVE: NO RE:.0UkEO KESERVE BALANCE:. t.t:ea ..• .. . . . -~--- 3'1 ·--~--- bALANU; ----------------------12500C,0 125020b 1250.230 12!-,0370 1~".i0:F6 125~487 125(;'::,3';, 12St:'::>bU 125Ut.ct5 l.'.50698 .. l.2S07Zb 12:0079~ 1250340 l.?51100 12Sll40 FIRST No OF A.MtilRST AMHCRST BARNSTABLt C TY NB OF HYA.NN1SbARNSTA8lE BEVERLY "'iA Tl O',,Al t5ANK fst:VERLY F-lRS,l Nt!o UF bOS. l(JN btJS TON HJ..Rt:.OR NO OF bOSTU.'l !:!OS TON b05ll;N ,'-'t."' 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AND lRUSl CO ~LOt;CE:.S.li:.R N'o I.Jf, GLOUUSTER FRA.t,,K.LIN COUNTY TK.U!l.1 C.O :~~i:!~ :!~~:~~ ~!k~~~~t{-V:~t~~L~~ lOE:P FALL RIVER FALMOUTH fllt.H5URG FRAM!NGHAM GLO!JC.E:..S.TE:.R C.LUUC.f:S.TER LREENfltLO ~:e:~~;t~P HA HA HA HA HAVt::RHlLL NA.JlUNAL 8ANJr.. tiAVtR.HlLL _ OLD C.LN.V 61'!.. OF h~Pl.lN llY NA HCLYOl'..E HUU!J.JN NA.llUNAL bANK HWS.UN CAPE:. CUD 'oAN!I. C. TkU.S.T C.U HYANl'HS 1::iAY S.lAlE NATH.1NAL bANK. LA.,KU~C.E UNteN NAllUN.AL 8AM ttJwtll SECL.'klTY NA110NAL t;Ar>.K LYNN _ f-lk.S.1 NAT DI\. Uf- MALDEN MALUEN NAT GRAND BK Of MARt;ll:HEAD HAkt,LEHEAO l25.l.l30 HG.''1E: NAT BAN"- OF- MILFORD ~llf-UKO 1~523b0 SHA,.MUT Nti.:OHA~ BAWi, N.\ Nt-.tl..H-:AM 125.i::372 eAYbANK MtRCl--'.Ar--Ts N A NEW bl:.OFORO lC.52375 f-IR~t NAl Bo<. OF NtW E:li:CJf-ORO NCW lii:UFQRO __ 12:5.l'.:»70 kOK lHAl'\PlUN NA 1 lUNAL BAN~ NOR lHAl".PTON. 12~i574'. PlO~E.ER N~-HA~f'SHlkE hORTHA."1PlUN 125lbb5 FIRST NAT 6". 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WO'l(.i:STER 1253830 OLD CLY BK OF bRNSbLE: ClY NA.YARMOUTH 12!>!470 1251~60 12~10"t0 12.!>H,70 12~17J.0 1~5191V l25l~b8 l.25t:00'.) 12~.<0t..O __ Of ------·- ---- UZ.2/79 _ _ __ BENEFIT TO BANKS COVE.RED bY H.OOlflED S. _95, --~Ji\E.MSER 8Af«.S -----~--~-- 5-'t &AMS AFH:C.lCO IN SlATE: 23 23 HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA MA HA HA HA MA HA HA HA HA HA MA HA HA MA HA HA HA 87!>44 3996!> 52204 123478 5 L4ll 21925 393!>8 3b424 86084 40022 4734b 346b9 101975 10323b 177180 87032 27083 22770 2498!> 51620 65332 81192 26292 1!>153 43071 42153 b 11-.':> 22636 32472 l4bo51 306304 1/:111b l l 2V98 19123 24498 Lb88'9 242.94 4953t:12 3b.C08 121 VL lCSH 2539 1039 2.847 13) 1977 Rl:.QBAL 14) NlW EPA (S) NlW RE:QBAL 23b 0 38 0 0 0 0 17't3 1007 421 5073 1561 4lt.O 372 10S9 o'w) 0 0 0 0 77• 1146 ;:015 089 0 2021 0 0 0 2073 133.l 421 203!> lt..04 .,, 1784- 2292 27~b 7794 2208 .,~ 475 131 9b7 34li'9 2785 10!>0 Sb7 >OB ~t:,33 2221 381 Jb> 7095 l:l,46l l!>b~ 3328 ,., b20 9"2 1250 3P,O 259S 2!>33 2b59 081 7b4 373 1697 22> 2353 241 .. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 , 0 917 (I 30b 0 5bb 3b 0 ,,, 0 1743 1007 "21 • ~073 lSbl ___ ~ - !,<.,3 b'JO 1140 .i::675 8i:O 992 l.<50 • • * • * • 31 ... 0 2sc,, 2533 2659 bbl 704 373 lb',11 .(2S 23~3 * * • • • .£41 -· * }()S • 12:31 3b 19'13 713 b90 l&o1 0 b'1l 0 0 0 87!:>b 30!>0 2119 53'1 1722 103b 1777 4,S 0 0 0 0 !J!>l~ 0 0 0 30~0 2119 455 • 272 • .i:l"t 81.(!> • 1568 55 0 599 3bo 102& 27l 1113 21L 1052. 214 9o93 >99 19!>37 ltllb 0 0 1&3 21ii79 lb90 ll3S 1421 1231 1953 713 bSO 1867 u 16) Dlf 131-ISJ_ _ __ 0 1333 0 0 0 HAVE NO EA.RNlNGS PARTIC.lPATlON ACCOUNT OR kt:.QUlRt.:.0 'lESE.RVE:. ijALA~C.I:. HAVE NJ REQURE-0 RESERV'E BALANCE ~n * https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis BENEFIT. TO bANX.S LOVER.ED BY MOOlFlEO 5,. 8!> ~ · · MEMBER BA.NK.S ,u DS!:) NAME 7.(bC·025 BA~!'.. OF LE:."4AWE:E C.CJUNl'I' 726(0.;.:, 1:..b{.(J',,J. 7.cb0lL6 7260lt.O 72t:.ul75 7L60H.D ?.200245 7L.ti'J3l0 7LOV3?0 7 2b034~ 7.<'.60410 Qi;t,:;4.30 72t.(4t,5 72~U5>UO 72t.U~.30 7260550 7 1b060S 720i..'bl0 7Lb~'t.30 92b0&35 9.::cOt.'-0 72t.Ob6Q 7261.J7~0 726,~'7';;5 7.ct.~bc'.O 7£.t,:._>~30 7,;-:00:1 1, ~ 72.!.il,;;lt;,.,;, 7.ZtiOQ)(.l 7.'..blOlO 9.?0H-'30 7.2::,H,4S 72.t.>1047 7£::.1103 72o!l05 7.i:.olllO 72.oll25 7.::bllbO 7..::bll70 7L61240 126Uf!.!J 72bl2.'IO 9LOI390 ADRIAN ALRlA~ C0'1~t:.RC.1AL SAVlr-.C,S, bAr-.K. ALLEGA.N A,"'l:RICA:>. Nd l'lil hESH:kN. 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C.U.:NDlVE HT __ 93CC•'tS-O FIRST NB lJF GRl:.Al FALLS (,Rt.Al FALLS_ ________ HT 9300495 Fl kST WlSlSll,t NAT 8< C.RE:.AT FALL:, MT C.REAl FALLS 9300510 MU1'dANA ~A~-<. HT 9300~1L Nn' Ml 8K Of- GREAT fALLS G.RE.A T FALLS HT 93:J0!:,30 RAVALLI CUU~lY 8Af'il<. HAMlL TON HT 93C0570 Cl THE.NS BANr<. Of- HUNT ANA HAVRE MT _ 93iJG'.,90 f-!R~l NAT Bt<. Uf- HAVRE: HT HA'/1-ll:. '1-300000 l,Sl NB & TR C,Q CJF hl:.LENA Ht.L tNA MT 930061).(. FlkSl Sf:.C.Url..l lY bl'~ Of- HEU:NA H!::L c.NA HT Q-300610 kUkTHll!E5Tf:.~N t::.A,-.K OF hELE:NA Hl:.Ll:NA KT 9300050 CLNRAD N3 (JF KAL]SPELL KALISPELL HT 930Go~O FlRSl NW r-.b CJF- 1'1.All SPt:LL KALlSPE:Ll HT 93U0670 'H_LLOWSl[J,.jE CA.NJ<... LAUFd:.l HT MT 93uoceu FIRST Nc, (JC: Ll:.',dSTO"N U:.MlSlOWN HT LlBt>Y 9300700 flf<.51 NAT BAhK 1:-._ llbOY 9300705 Flf.!.Sl SC tiAN'<.. OF- LIVH,Lo!>lON LIVJ.N~SlON MT 9300'/10 15 T NAT Pi<. tjK IN LIVlNGSlON LlVINGSl~ HT P,,.AL TA 93007LO f l RH STATE bK OF- MALTA HT 9300750 FIRST NO IN. Ml LtS t l TY HT MILES C.l TY HT 930017U 1'1 ~Al Ml Bl\ Of MlSSUULA MISSOULA 930'0775 SOUlHSl DE: NA llUNAL OANJ< MJ.SS.UULA HT 9300100 i,,tE;~TEkN MC"flANA. NAl BK MlSSlJULA Ml PLt::Nl YW'UOD HT 9..10CE.05 1'1C.1NTM1.\ NA Tl LNAL bAW<. HT 9.3'JC·e20 Sl:.(,LJRllY ~lAH BANK POL SUN R(l~J\N '93001:!:75 RO~AN STA.JE 61\Nl'I. HT 9JOl.19C>3 RlC.HlAl'tO NB OF- ~lONt:Y SlONE:Y MT 9 3~09b5 SILJ.'iE.Y NA.t IONA.L bANK. SlDr-tEY Hl TERRY HT 9301000 ~lAlE bA.r~ OF TEkRY HT VIC. lOR 9301V'-C- F"R.ME:RS STA.lE BANK. HT WHl TEFISH 9301050 f-H<Sl Nb OF 'r1HlllFISH e•. 121 VLTC~H .. ------ -- --- w l55b7 ll4b38 lb7398 lb7ti.i'.4 b4!,47 -- - -----·- ------- 1,1 NEW ISi NEW EPA __ R.fQbAL 1'1 521 0 1056 1581 l',07 4933 bblt!> b!>-1l 4~b8 4190 306 ... 0 0 0 1 151 2383 &o, - 0 ,19 2198 21!>05 lo.342 313 070 0 0 bl llS-1 blb 849 0 13 2lb7 blU 271 2Ub 900 bl0 0 0 2 ~()18 ---·-----·-·--- -··----2/22/19 - - - - 559b7 71514 -- 131 1977 RE~BAL ----------- --· --·---··-·- ,. ---- -------- --- l 7b5't 19703 35493 33!>71 35775 30!>b8 13-'t l9't 't5012 bbl 2& liJ22bb 232.77 372!:,7 34!:>bO b47!:>C> lb]22 821',5, 6fj384 !>3311t 2270b 4~345, 2 J.31;:: 27lt>7 31214 .t3bl't !>32b0 67275 ... ,a 11>12 280 1173 211 lO'il 0 0 1 109 213 83 88 1971 4b3'l .. _ 2!>3b ·,02 1017 2b28 3929 0 0 0 0 128b u 22!>0 0 320 1"3 0 0 0 0 ,,., 321 %2 1% l24't 221 8<& 300 b61 168~ 14!>8 25b4 30> S52 3o9 5bl 546 242 309 244 203 241 4004 2447 1914 7!,9 _ 162b 221 9b 244 731 61"1 9b> 11i1 1021 209'9 37Vl 300&0 307 921 96.'.;!>7 19101 24b48 •14 80 3t,58 2,- 1,, 790 Iba 81S 3lb0l 3bl 231 1202 1!>439 l49bl 175.i'..b bb b2b bO 232 503 20637 33237 0 11!>4 593 0 0 0 0 l 23 32 836 2087 0 2104 0 0 C 0 0 0 0 0 2lb7 900 blO 790 1173 u 264 b10 bib 0 0 0 0 0 0 ..7 2198 1244 0 687 >21 4'133 bb45' 6)b5 .t:;.;,Sl 0 0 1127 2""-6 lbl Olf 131-151 _ _ _ 0 0 0 0 0 0 0 0 0 0 0 0 .o 0 0 0 0 0 1372 1092 4(>39 •1077 2t.>2.8 3929 t,28 1665 1458 2!:>b't: ,,2 4004 z.,,,47 19147>9 )b2b bl7 Sb5 JU:7 1027 2099 371.11 9,H 3b5b 790 19b SIS 11~4 1202 b2b S93 S03 .. • . ---·-.. ...• ...• • ..• ...• .•• ..• ..• ..... -::i -::i https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis BENEFll TO BANKS COVERED BY MODIFlE:D S. 8~ OSB NAME Ill lDEP LOCATION 2/22/19 - · - · - - - - 121 VL TC~H 131 C-1 1971 NEW .. ___ Rt~bAL __ .. t PA 9301085 CITIZENS FIR!)l NAT BK. 9301090 WESTERN NATIONAL EIANK. OF 49 BANKS WULF POINT JIIOLF POlt.lT AFf-E:CTEO IN SlATE ll L7 Hl 16343 HT .£3<.f-46 >20 1b0 151 NCW RtQBAL 0 0 (bl OIF 13)-151_ _ _ _ _ 0 0 ~20 1b0 HAVE NO EARNINGS PARllClPAllON AC.COUNT OR klQUIRE:0 RE:SE:k'w'E: bALANU - HAYt NO .RtWRtu Rt~cRYt BALANU ----------------------------------------------------------10.H0020 COM'4E:RC.U.L NH OF AlNSWOklH AlN~WORlH NE _10310040 ALblC.:N NAT lUNAL BAN~ ALBION NE. 10310050 F)RST NAT 811'; Of- ALtULN ALB)LN Nt 10310080 ALL)ANCE NATIONAL BANK. AlLJANC.E: NE 103lO.i40 f-lkST NB &. JR CO )hi AURORA AURURA NE: 10310.HO ttl:ATRIC.t NAl bY-. C. TR (.0 SUlRlC.E: NE 10.HO.,t:O f-IR~l Nb {. lk C.O OF bE:AlRlc.E:Bt.AlRlf.E NE _ l0.31Ci3'/8 f-lR.Sl NAT BK. (.If- i:H:LLtVUE. b!:.LLEVUE:. NI: ________ _ 10310760 f-IR~l NAT Bi<. Of- (.HADRON C.HAURUII NI: 10)10t-o~ f-IRS.T NB C. TR CU OF CCLUMBUSC.uLUMbUS Nt 10311030 FJRST NU Of- DAVID CllY DAVID CllV NI: l0.111320 FikST NAT B!C. OF fAIRt:SURY ~Alkbvk.Y Nf: 10~11350 Fl~ST NAT ttAN,C. C. Ht CO f-ALLS CJTY NE .10311395 FIRST NATWNAl bANK. C. TRUST t-l-t.C.MlJN.1 _________ Nt _____________ _ 10;>11400 f-RtMGfiT NAT bA.Ni<. C. lR CU fkU1Ut,.T Nt:. 10311-470 t.E:RlNG NAl hA\jK C. lRV.)l C.O t.,tJ<.JNG NE: 1031!-490 FlRSl NAT BK GURUON {,.lJkuON NE: 10311540 CLMME:RCIAL NAl bl<. C. lk Gk.AND 15,LAND Nt. 10311~50 FIFI.ST NB Uf- LKANO lSLANU LkANU 15LAND Nf: 1031 l~SV 0\/t:.RLANO N~ OF GRANO ISLAND t:.R.AND ISLA.ND__ NE · - · · - · - - __ _ 10.Hl!:1'10 F.tiRMERS NAT UK Of- GRANT e,i:..ANT Nf: 10.1110~0 Cll'f Nb l. TR CU HAS.llNG~ NE. HASllNGS NE 10311690 FIRST NATIONAl tl,Ai'il<. HASTINGS NE l0311Ell0 flRS.T NAT 6!'.. Of tiOU;Fd:Gf: Hl.LOKEGE NE 10..)11'160 flRSl Nb C. lR C.O UF i,..l.&.RNE'Y l'i.EAkNlY NE: _10312120 FJRST Nb C. TR CO Of llNCLJLN U1'JC.ULN _NE: 10312150 NB Of- CMRC. TR & 5,1/GS AS.SOC. L!Nl.OLN NE: 1031L240 FIRST NAT b"- Of MC COOK #'IC. LOUK NE 10.31225(' MC. C.OG!<. NAT lc:t-4AL BANl'i. MC C.001(. NE 10312,4.,jQ F-lk~T NAT BAN'<. Of MINUf:N MlNL>EN NE.: l031.i!4!:l0 f-lRS,l NAT 8K. IN M.IlC.Hl:.lL MlTC.HHL NI: _ 103li'!>.lt0 0101: ClY NS OF Nl:.BK.AS.K.A C.ITYNlDfi.A~KA C.llY ______ Nt _._, l0.H2.550 hAlll.tiAL bANK OF NE.llGH NELH,H ~t: 10312600 DELAY FIRS.T NAT B,c;. C. TR C.O NOfi.fULK.. NE 10312620 NORTHWESTE:RN Nb Uf- N(J!<FOU(. NLRHAK. NI: l0312b40 f-lR~T NbtlR CO Uf- NO PLATTE NWRlH PLATH: NC or 22342 lb96S 1-4191 2.V329 25100 ,. •• ., bb •• 35051 2.9220 l 7b't~ 4'2 343 ,10 19139 80535 31> 09b 27&30 110 370.i:'.9 271b3 59;,5,4 4b930 34.C.!>l .2.3153 20, 315 bbt>B8 61119 4l;,476 19323 044 361 290 119 10> 13b, •1• 493 b-22 0 0 0 0 ,93 0 0 tt22 •9d 1>6 0 0 0 0 b9b 60(> _ bU 0 1Ci55 0 94& ;o 4b0 0 ,,, 3105 1113 l)Ol 'ill 0 1412 2U9 12U 0 ,,. 2064 lb84 "I> 151-t 171 7'7 0 bl4 2"094 .(095 1739 632 507 3>2 ,. b~1b.l 03 100 2£J.ij 1b, <t10o7 I06-'t 317£ 1~07 ,4.~630 t,'i,9 5~b46 9'4 4079 303302 2561£6 1Cy)";- '17427 4bl 3~~&0 lb302 1773b 139 l'17~!io 2 lGb!> 67500 2titi4b 5055.?: 7> 10 2:b2 H> 700 •>5 811 1173 3<1 0 0 bOb ... B.98 lll!)5 1 ~ 5,55 0 1361 911 0 0 0 0 * 310S 1113 0 • •60 0 0 0 0 0 0 0 0 _!,___ * • .C:004 lbb4 • 1~14 • 141 2091.t ,£0'15 1739 &~2 2218 317l 1773 15-79 .- • • 1~7'1 116 0 12.684 4091.t 511> 5173 47~3 "3&2 l~3CJ l4UO 20• 237 0 0 0 0 0 ~b9 * 131 0 0 0 0 737 • 2713 0 0 910 lb<t" .. , 760 704 271.3 910 1692 0 0 963 0 430 7't31 7_j12 15.)6 1 .. uo 78• 164 • https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis _J1.EM8ER 8ANK.S ____________ _ _ _ _ _ _ _ _ _ ____BENEfl.Ll0_6ANX.S. C.O'w'ERED .6'1'_/10DIFU:.D _s.._ 85 I 11 0~8 NAME 10312650 MC DONALD STAll:. BANK 10.:1,12710 FJKST NAT BAr~!< JN OGALLALA 10312716 AMER.IC.AN NATlC:HAL bANK 103lt7.;1,0 F-lkS.T N!,. UF (\•H,HA 10312752 i\!UR. TH"f:!.llR.i'\ ~~Al H.11\iAL BANK. l031;:7o0 103ll770 1031277~ 10~1,:t•:;o 10312830 1Ci.H322U 0"'AhA NATIQ:'1Al l:lA'11( Pl.,L'\f:.kS NAT bK IN CY"'IAHA SECUf...ITY l'.d UF U,~Al-!A v~4l HO STATE'.> NB (Jf- LMJ.HA Fl/",ST NAT [',I",. IN CJKO 5.TK~.'tS NB U~ k.USHVlLli:. l03l_j.2~0 CTl NAT B."<. IN Sl PAUL 103 D2=5 f- 1 P. !:.1 NA Tl □•◄ Al bANK. l03LB.c:.O SC.UllSBLUFF }.iAl ts'(. t. TR CO 10.313J60 CA fTLE N!j OF S!:WA"\~ 10.313.HO JUt![ S NB Uf '.:.t WARD 1031;410 M"I ,'-.Al b.'C,. QF- S.lLJNL'f lOJl~!.-UO ~H.. L,RlTY -'Uil BK. OJ- !:aUP!::.RlOk l03l3e-:<O flf','.:.l N.AT C:,(. OF !:,Y>I..J.C\JSE:. 10313710 flk!:,T NAT d'<. (Jf- H"-,1,HAH 10?13780 F-l~ST N,T bl"... (Jf VALtNTlNI: 10.:HJ~,:,o f-!k.ST ~AT ~,(,_ ur- WAHUU l03U'f<,0 fl~ST NH :31\ QF WAY.'H l03US:,,'.:>O STATE NA!l(;.'lAL bANX.. f.. Tk ca l031.J9~0 f-AR"k.!:, f. t-!RCH ,•o~ UF W POINT 1C•3l4000 flRSi /1AT Sr.. (JF ~ESl PlJir-.T 10?.14\40 FlR!:,T NAT Bl'(,. OF '!'(l!<-1(. Of LOC.Al lON NURTH PLATTE U(,ALLALA LMAr',A (;N.At,A 0:,0.AHA lOEP NE NE NE NE .. NE. ______ ~ 409 110 053 279b 11-'t!, NE Ne NE Nt }c,949 94 RUShl/lLLf. Sl PAUL SLHU'l'LER Ne 17740 202 NE SC(JlTSi:jLUfF !:.lWARO !:,tl'IARD !'ilDl\tY Ne NE Ne NE NE _ NE !:>U?t:RlOR !:,YRAC.LISE li:.i<.AMAH Y.\.U.NTINE WJ..HL'U WAYNI:: IIIAYNE. WtST POINT ~fSl FGlNT Yl..RK b3 tsANK.5 Af-FE:.C.H. . O H.i 5TATl:. lb 32 " L 1691 31Sod 2"t078 15,118 ltU3~ 1'7470 l 50'1Z 2""J794 .ilt>l2. NE 2346!> Ne 400~() }'1000 £0049 4)!,4 5o9 372 22.08 >b llU 450 LlP 113 lbl ,, "' 13) 1977 -·· Rtl..ibAL 510 bb4 0 0 0 0 13144 ~7t,l 2.c.138 le.4.3 9% 5'2b4 2b09 5'2bY 145 !>O&O 1~661 5077 540 581 507 77" 0 0 0 <3 703 0 23b 228-4 717 ll<td 0 lCC•b !>!JY e& 500 9>o 7 lb 917 1505' 0 13911 0 0 4814 0 0 !>10 Bt,4 H,43 "" ,., 7347 119!:I 100d 0 0 0 0 0 0 0 0 0 0 l~ 0 39 2b8 !>t9 7;,.5 NV NV R!.:.N □ NV 12320080 5!:C.URllY NB Of NE\IALJ4 Rf:NU NV 4 77031 27530 96 7~LJH 34217 288:;)99 221958 86<Jb l.c.55 .:>2001 19'-f8 3555, i:1641/ ----------------------- * * -· 718 917 0 1!")05', 0 }-1.!)5 l4&9l 0 17704 7948 1002 7047 HAVE NO EARNINGS PARTICIPATION A(.COUNT DR Kt<..UlkE:D kESEKVI: HALANCE HAVE NO RECURE.D RESE. R Vf_ BALANCE * 5,20 9>8 bALA.NCE. 0 52.i::l 4til9 4'i!l,() • • -------------------------------- LAS VE.GA.!i. Rt."'U • 7.:18 b39 b49 0 o· 3 * 10227 0 0 • 1048 bOO', 3761 0 0 0 0 b4S (6) DlF l.'.:>l-{5-L _ __ !101 507 778 22&4 717 0 0 0 730 738 o3q 173 91 130 (5) NEW R!:fJBAL lb 312 lt.48 88 171 113 ,., 14) New HA HAVE NO E:AF..NlNGS PARTIClPA.TlU~ AC.CGUNT OR Rf..'-UlR£(; Ri::!i.EfWE HAVE NO RC.CIURl:O RE5E:RVE: BALANCE 12.320075 NE:VADA 1'tA1 lU"tAL tlANK. b,H;KS AFFt.ClED IN S.lATI:: 14°£'6~ 21186 !>2ob4 NE NS NE NE Nt NE NE 12320048 VALLEY !:>A'.'-AK. CJF Nl:VADA 12320070 FIRST ~AT BANl<.. Uf- NEVADA 4 C-,7902 497~58 4bL03 ,o3b4 236~26 12) Vl TCSH UMAHA OMAHA OMAt1A Ul"IAHA UR.O -------------------------- OF 19269 22763 412!.5 301blL ______ --· · - - - --·---· -------·· 2/22/79 - - - - - - ~ - * • '• https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis -------------<>ENEf_l_t_JO.....BANKS_.,ovE.RE.0......6Y-J,\,QOlflE.O S .. --85-~ _·----··----------·------2./22/79_ _ __ Ill 121 131 141 ISi lol OSB NAME LOCATION TOE:P VL lC.S.H 1977 Nf:W Nt:W Dlf - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - R o w b A L ___ HA__ RoQbAL .... l•l-(~L _ __ 1330033 hRlSTOL BANI<. SRI STOL 133U070 CLAi-\E-.HONT 10.T BK C.LAkE:.MONiT 13300'10 !NOUN HEAL> Nb Of CL.\RE:.HONT C.Li\RE:MO:'il 133Vll8 FRM&TRO Nt:.S BK. Of tOU:BROOtr. tOLE-.~ROOII. _(.C,t,lC.ORU __ _ 13301-'tO CONLORO NATllf'iAL bANK. ([1,l(.lJRO 133015-5- lNUlAft NE:AO No Uf, CONCORD CuNitAY 1J30210 CARROLL ~TY TR w DERRY 1330220 JNUU.N HEAD N6 UF DERRY LIUVtR 133U~~O STRAffORO NA TL bK 1330300 INDIAN Hf:AD NB OF f;Xf: H:R t:.XE:H.k _ 1330310 .fARMlNGHN NAT r. SAV1"4GS BK f-ARMINGTON.. _ _ _ _ HAMPTON 1330.H~ HAMPTON. NATJCJ\liAL bANK l:S3C.3eO OAI\TMOUlH NB Ut- HANOVf:.R HANltVE:R 1330420 A5HUE.LOT NATL 8K Of KHN!: 11.l:.ENI;:. 1330440 C.HE.SHIRt:. NAl IONAL BANK. 1~30450 INDJMII HEAD N6 Of- KE:f::NE: _l.330475 lNClA.N Ht.AD Nd Of l"-U1NlA 1330~8 l LAC.CNIA PEOPLES N8 £ TR C.O 1330~S0 "4ATL BK t.f U:BANUN 1330'>70 LAFAYETTE NA1l01','Al OANK 1330S90 AMO!:.KEAG NA 1 BANK C. IR CO l330ti22 BANI<. Of NE• hA,..PHHU: KH-.Nf:. .. 13.rnt>70 HE.RtHAN15, Nt:s Of MANCHE:5.lEk 13}07(10 133Vlll 1330"/'"13 l330t.60 1330070 1.330':110 l.331050 Uf SOUhEli-AN NS CF MlLH;RD HWlAN HEAD NB Or NAShUA NHl MOUt'ilAlN f,,ib OF-- N C.lJNWAY FlRS.1 NB OF PORlSMOUlh PRl~MlH INDIAN Hf:.AD Nt!FIRST Nb OF RUCHESHk MUL FEbUkO NAT ll,NAL bANK u, KHNE: .,,. .,, LAC.ONlA __________ ._ NH _ _ _ _ _ _ lACUl\llA lf:~AN(;N NH NH NH NH NH NH NH NH NH NH LllTUTON MANC.HES lER HANLktSTE.R HANCHESHR Mllf·ORO NASl1UA Nt.;RlH CUNHAY PU( 1 SMUlJlH P(Jk l ~MOUTH k.UC.HESH.k WOLFt:.bOH..0 30 SANKS Aff-ECTEO IN STATE 22 3SO 0 0 3S-0 100 S44 0 >14 0 SI• '41 140 0 140 0 13481 0 300 1>5 300 0 .S752b _1733 __ 1~98 ___ 6)3 ____ 0 _____ IS96 1&3Es7 27b 0 0 so• 27• 0 b74 30033 431 0 404 7% 3139Y 30 0 79• 20292 b89 0 0 48881 oOO lSOb obb 0 l~Ob IOS13 ____ 200 _____ 4b~----0 4b3 0 ---·-· 28215 7'1 0 0 1-'l oa• ll',IY 374 0 35319 ll</9 806 2:!,.15Y b04 0 0 31041 899 0 0 73> 73> b',7 27243 847 0 0 >52 l 7403 0 160 0 1•0 >3> , 't48 .Bb11 l3"2b 0 0 <,7<, 3l1b3 7&3 b1b 0 0 2:9711:t >OJ 0 >0l 0 5~t184 't9lb 0 0 0 0 l 1lb~3 t.30b 3!.i-bb 2953 0 3!>6b lb',lb 2~C,.,. ;;:304 0 74012 12lb .t'.5961 >98 480 4-:lO 0 0 12~~~0 lbOl 4101 3b(IU 0 4101 -1. 12~0 471 3.?4 324 0 0 9>b 52711 1!>36 95b I SU 0 31':74 lOt..4 292 <'.92 0 0 lt,Otob 1~(>4 0 0 0 0 ,>7 21Bbb 4&4 464 0 0 15325 2S718 15!>37 NH NH NH NH NH NH NH NH NH SH NH NH NH NH NH NH .43 NH NH NH .,. ••• •o• ... ... .. ... ... ..••. .• . ... . _____! _ _ --·---- HAYE NO EARNINGS PAl{llCIPATlCIN AC.CC,UNT Ok kl:'1UlkE;O k.ESf:.RVI: bALANtE: H.\VE NO Rt;QURE:O RESERVE BALANCE B ----,,----------------------------------------------3340010 2340045 33-<t0080 __ 33400',12 ZY.0150 23-40180 23"t0.200 23402!>0 FIRST NAT BANK OF AbS.t:CON HUNTEROON COUNTY TRUST CO AlCU NATlV~AL bANK ATLANTIC NAl lOkAL eAt-lK BROADWAY Nt3 OF bA'fONt-lE PEOPLE.~ SANK. NA flR~l Nt> CJF dELVJOERf FIRST N41L SK 0~ BLAlRSTUIIIIN ABSECON ANNANO"-LE ATCU cny _____ ATLANllC tlAYONNE 6ELLEVlllf 6t:.LVlDEk.E BLAIRSTOWN NJ NJ NJ NJ _ NJ NJ NJ NJ ------------ 29274 29~tlb 2~0.t.~ 09217 2b2bb C,01~2 2b4b0 17~04 Sbb 6£~ '4b 10~!:5 4>8 990 308 274 1,. 0 o3b 0 bO'J _ 44b1 --· .,., lti!.i-3 741 0 -- .. 908 __ 0 47~ o2 0 0 0 ___ o 0 --···----·------- 0 0 0 0 716 030 009 2407 948 lb!,3 741 4lb ...• . .... 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OSB NAME --- -- ---·---- 4390025 LlbERTY NB OF ADA ADA 4390230 ARCANUM NATlCNAL BANK ARCANUM -..390250 TI Hl."4 VALLEY NAllONAL BANK AkCHEllJLO _ 't39Ubl0 4390010 4390700 4390770 4390760 439079U _ _1t3C"t0005 4390~10 43'JJOb30 439<.;Si.0 4390&00 439(191.0 _439u'73.0 4390'11:>0 43'H.,945 43<il02C, 439103-0 43'f1040 4391080 43910':fO 4391 lOS 4391120 4391130 43'11132 _43911!:IO 4391160 4391200 4391:aJO ~3912•0 4.391290 OH OH OH OH ·---------· OH OH OH A5HLt.NO BANil(,, ANO SAVING!) C.0 ,'5HLAN0 OH A.!)HLANO FIRST NB UF ASHLAN.U Ott fARl".t.R.S ftAT b< f. TR co ,1,SI--ITAbULA OH N(J,;, TME;.AS THI.~ OHlU NAT SA.NI<. A~lA. 1.lULA -Ott ATH!:.NS ~.\l lUNAL BANK A THt:NS OH FlkSl NB Uf tjAkrtE SV l LLE bARNE.~V l LLE OH HU~nlNGT(JN NAl lUNAL bEl.LEFONTAJNE OH flRH Nb OF 6E llE:. VUE EH::LLEVUfOH UNlUN, BANI<. A"'40 SAVINGS C.O OH btLLEVUf:: FIR!:>l Nt, OF C.LE:.kMl"'tl CJY 8tTHf:l ·-- OH BLUFFTON OH tlllli::NS N& OF SLUFFTUN: HU~TlNGT01\I 61't. 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ANDtJV[R -· 439V270 4390.290 439V320 __ 439v.3't0 4390370 4~9C440 4390.)31 439(.!'>40 439(,550 TDCP LOC.AllON ---· -- 2/22/79 col 14> 12Sb2 6S7S 1.3591 18.C:"tO 1713 207",3 ~2b7 1744", .:)b9 19lb0 23690 25-<.0J 33> 6C9 490 .., "" .,. ,.. lbb09 361654 6UE-10S "'ib373 279 403 <35 1225 9'1331 Ul~ t,',~1.t3 1!>99' "41 4409~ 45lJ24 3b013 303!>9 46400 2Q2b9 22440 ~1401 l63b0 7139.c'. 28116 H:!'i179 27423 305't'il 5.:J027 35744 49661 51124 b13£b 2H34<,9 351;1491 14421.1 114169 24042 1~51Jb b4674 74457 5726.:J 15b02 2'172'-J b1192 789f> 77 b9b92b 9.,7433 4199?7 oa• 91' 514 301"3b.c'.0 1487 121~ 1013 OlY 114~ 10• .:,.;o, 389 1077 ~7Jt, >82 b87 268 2292 679 4·11 t:AO ,,. 40> 405 >47 992 313 1)01 12!>'t 1140 5U'tb 570!, 4304 't2~0 4)b 231 996 697 1031 •3• 7>5 1386, 17270 lb&41 14471 10170 i.1 NEW EPA_ 151 MW R~8AL 161 OIF 131-15I _ _ _ 601 0 .C.070 0 0 0575 !.2b4 o.£4 0 0 0 0 101.t!'O lOb.:-,.3 0 Z2b7 0 33> 0 009 0 0 0 0 '138 122, 0 lbb9 235.2 >3 0 0 0 0 0 0 0 0 -so 3014 )t.20 1407 1<.15 1073 019 ll"t5 171 0 0 0 3b9 0 12b9 0 0 0 0 27.,13 721 0 0 0 >oo 2c:.d .Cl92 079 471 bd 0 0 0 0 lb4) l.l4l 188 0 326 0 0 0 6&• 0 0 16 .. 3 1241 b49 142"t ~136 353" 11b5 ... 1'..t.'t 4'.l.Jb 11301 1401b 313.(. lb~d 555 0 0 ,o ~it:93 543'1 151'-t b 0 311 u 1597 219~ 17-il l•O 2'b 803 542 0 0 33b >57 180~ 2862t 290b7 !,l9b S-0 •<> o67b 7-'iOO 0 3132 0 0 0 0 0 0 16~3 0 0 0 ltl788 5040 5085 15671 1490b ~~19 l3'i71 484t), 3"71 »5 ,11 1597 ~195 17'11 lbb >H 180~ 127>1 l-4lt)l 15Yb9 lOJC,0 --- ...·-. ....• . • ••.. .. . . * * 00 ~ https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis ___ ff,tM.SE.R. BAM<.S OSB 2/22/79 ___ - - - ____ bl:Nl:.Fl T ..TO SAN.K..S C.OVE.RED .SY MOOlfl ED !). 8,5, NAHE Ill lOEP LOCAllON. 121 VL TC.SH - -------------- - -tlNClNNATl 4391310 SOUTHERN OHIO tu.NI{ 4391340 FJRST Nb OF CJRC.U:VlLLE C.lRCLEVlllE. "t-3913~0 SE.CC.NO N6 l.)F C.lkC.U.Vllll: C.lRC.LEVllLE 43'H3bl lHlRO NAl 8K OF C.lRC.LEVILLE C.lRl.LE:VlLLE: C.LEVE:LANO _4391410 C.APllAL NATI~AL BANK -4391420 CENTRAL r~B Of- tUVELM.iD C.LEYE:LANO CLEYl:.L.6.NO 4391~30 CLE:vt:LANO TRUST (0 (LEVE-LANO 43'1l"t45 FIR5T BAM< NA C.LEVE:LAND 42191-470 NAl lONAL C.ltY BA.~1< (.Lt;:Vl:LAND 439149!> SlJC.lE:lY NS Of C.LEVt:LAND CLE VO:LAND ~-4391!>00 U~H.ti COPIMEk.C.E l;lA;'ljl{ [(;LUMl:HANA 43-ilSbO N>.TlLNAL UNlUN BAN"<. COLUMbUS 4391580 CITY NtlfaTR CU OF COLUMBUS C.Ot..UMHUS 4391010 HUNTINC.fCN Nb ut· COLUMSUS 43S-lb4U OHIO NB OF- COLUMBUS C.OLUM~US 4391730 C.OKllAND SAVINGS £. B<NG c;o C.ORlL.&.ND _43917.:.C. 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I-' cc 0 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis _ _ N,El'l&ER bANKS .. ~3•73CJOb 439.J07,) 4?-93100 439.H;O 4)',1.,lbO 43~3ltW 439-31'10 <tJ?:-:,220 't3932b~ '+39.32BS 4.3',1,;U40 4393360 At-3933bS 439.:5310 43..,.3380 43':11)385 4)9)400 439341b 43,9jAtb0 4393490 4~93;20 43'U5)0 "t39Jbl0 NAHE LOCATION lDE:P LORA.'11£: EIANKING CO 107&; HJI\ T LORAMIE OH COHNf;R lCAL BK SVGS lO 39824 FOS lORJA OH TRl-COU"'ilY NAT bANI<. 83'190 FO~ TORU, OH HUNTINGTON t.lE) OF FRANl'\LlN FkAN!(.LlN 28211 OH Cfi.OCHAN CULUNJ Al BANK. _______ FK.t;MUNl · · - - - - - OH ------- -----·--713.C:.!I Ll8E:f<TY ~B UF FREMONT 36132 FRi:HONT UH FIRST Nb OF GA l lON 2417~ GALlUN UH ~JR.ST Nb OF- GALLIPOLIS 1999b t.ALLlPOLlS OH Ci,E::NOA C.ENUA f;A~l'\lNG C.O l.0029 OH ?,;9.lb C.lBSON!iURG OH HOME: HANKING CO 22bl.7 PE.OPUS NB Of GR.E:.E:NFHLQ __ GREE.Nf-lEL.D __ ·-------·--· OH ---· -·-~-----·--·5,C.:'077 C.REENVllLE OH C.RH.NVl LLE NAT lGNAL BANK SE:.C.~U Nb OF G'lHNl/lLLE. 43318 GRE.tNVlLLE OH 135-739 OH FlR!:.T Nb r. Tk C.O UF HA.Ml LTO'-IHA,"\ IL TON 73701. SEC.ONO Nb OF MAMll TON HA."'11 L TON OH flli..:;.1 hl'o UF HAkk.l:S.ON 188'+6 HJ..kkl~lJN OH GH _ fKMR~ TkuR::, Nb UF HLSBRO HlLU:,llORQ -----··--·---,-· 2540b 34qo1 HlLLSfWRlt BAf..K HlLL51'0RO SVbS CO UH ME:.K.(.HANJ S NtS QI- Hlll!:.~OkO 2bl 77 111LL!:,t!ORO OH .;1960 IkO,'flON. Cl TllE::NS Nb OF lkONTON. OH FIRST N._T Bl'.. OF lkONlC.N 7llb& lkONlLN OH S6ll; JACK.S(•N OH f-lkST "tt:S OF JACK.SON 9451,..:: HU'1TlNC:.Tt-J. PURT A.C:.E: NB lJF- · K.EMKU~l OH HAkLJN NA. 1 lU.'iA L t:lANlf.. 19227 Ki:NTON OH hUN.TlNC.TN f-lkS l I\B OF- KENl(hJ',.l;NlLJN 347.i:'.O UH 28475 OH KlllbUCK SA~ li\G~ bANK CO ~l"LlbVCK .t"2bl.9 LA!<..EVIEW OH FARMtl<S ~ANKlNG CCJ 4~43,. F-AlkF-ltl(J ,'l,j!j Of- LANC.A~H:R LANLASTER OH '9-823q DH HOtl'-.lNl,,, VL'I' f...B o< lANC.A!:iH:.R LA.'ilA~H:R 1<;;735 LAN(.A~HR OH LAr-.CA.~ HR ~A 11 l.JNAL bANJ<. 3S379 lthANUN OH LE.~A.'\10~ C.lTlZE::N!:. Nb (JH 100366 HUNllNGlON fIRSl NB OF L ]MA Ll'1A 3Y003 LIM.A OH lU1tE.R ,'iB OF llMA 30817 LOGAN UH Fi"-F.~ C. MRCrH5, 81<. OF LOGAN 2b.2b~ OH f-lRS.1 Nb OF LONDON. llhUON 23927 LONDON OH HUNl INC. JON NA.T IONAL £:.ANK Ott CtNlRAL SEC NS OF LORAIN ClYLORAlN 9tl'-164 t,4104 LuR.AlN ~H Cl TY 1:S"N"'- CU!'IPANY 40132 OH FI'{S1 LORAIN TRUST co LlJRAlN 1345-06 OH LO!'.<AI~ NATI1.H-l.A.l l:lANK LuRAlN NAlllJ"'IAl b,V1K. Of- LUVf:LAND 20372 LUVE.LAl'tO OH ·~---------220£".7 U.1C.KE Y OH E.XChANGE:. S.U4K 21142 HC.AK THUR UH V l~HCN C. TY OF- MC.AR THUR. 1.c,4z4 UH C.TlS Nb OF MC C.UN:it.LSVILLE HC C.UNr--tLSVlLU: OH UF "1(. CU'-INt\..SVlLLE l 7380 MC C.f.JNNELSVILLE lS T Y8~9'7 UH FAP.Mt.R!> $,AVlN:.:.S AN(J Tk\JST CUMAN5f-IELD • " ~" • "" 2/U./79 ~f.NEFI T. IO. BANKS .. 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BANKS - --------- ----- _ . ·---· BENEFl T TO BANKS COVERE:D BY f1001FlEO S .. 85 1 ll DSB NAME -·--------· 4393b60 439::,7.CO 43937!>0 43937b0 __ 't393770 4~93830 4393f'70 4393940 't39J9t0 439~'770 _43939135 it39.,990 43940.20 4394040 "t3'14V70 "t394C90 _439-'1130 "t394 l40 4394lb0 4394 l 70 "t3'14leo "3942CO __ 439'tl50 43'il't210 43'14290 .C.394370 439-..380 4t3f;44'10 't394500 439..,'.:>:2.0 lt3___2~5.J..Q__ 43~45&8 't39 .. ~<JO "i3'14b00 4394b40 43946~0 4394<:iBO 4-3~"-7Z.O 4394730 Ct394830 _439-'t&)l 43948._0 439-'t845 43S1-'i&70 't394900 -'t39 .. 910 ---·· LOCATlON --- - - ·-·------------ Cl 1 lZENS. NB OF MARIETTA N4T10NAL CITY SK tlF MARllJN F-lRSl Nb OF HAR"fSVILlE:. FIRST MASON BANJC. FlkSl NB IN MASS lLLON OLD Pt-i0£N!X NS Uf MEbJNA flkST NATIO~AL BM◄ I(. CLE!s.HLNT NAT l(JNA.L bAN~ A(>AMS bAf'iK COMM!;RCJAL ANU !:a.AVJNC.~ BANK CO.'i~UHERS NA110NAL oANK MINERVA BANi<.JNG COMPANY MlN~TEK STA.TE. bA.Ni<. 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TRUST C.LMPANY F-IR.ST Nb Of PA.Nl/URA ,\.ME;RiCA.11.1 NAT lUNAL BANK Nb OF PAULDING C.11 JH.NS SAVINGS BANK C.0 ClTJZENS bMUHNG CO - lOE:f.• 2/22/79 (21 Vl lCSH ------·------ MARIE llA MARlLN MARl~VlLLE MASO~ MASSILLON. _ __,_ ____ M~O l"'A MIAMlSblJKG MlLF-LKO MlLU.RSbURG HHL£RS.6lAG MlNC:kVA HINE RVA HlN~H.R MUWtOC: MCJNTPE.Llf.R HIJkF:OW MOUNT GlLEA.0. __ ~--KOUNT OkAB ~WNT SllRLlNG MWNl VERNON MWNl VER.NUN ",APOLtO~ NE.WARK. NtWAkK Nf." bkt.HEN Nee U.HNG TON MW LEXlr-tGllJ"' MW PHlLADE:.LP~lA WATE.f<FUkO NlU:S NJLE:S Nl:iol M;i{lHwUUO ~OKNALK.. NUkWALI',, DA< ttAR~OR HARbl,R lJbE:RllN OAK CJF.RV ILLE. OKK \I J LLI: f'AJl'tES\llLLE PAlNES\llLLE. lObO l37b3 OH C,H OH UH OH OH OH OH C,H OH OH OH OH OH OH OH OH OH OH OH OH OH OH OH OH OH OH OH OH OH ~,9 22794 2 10.(,L 104 703 24112 240 ~8£ 177 4052 ~04~ .(;94 >75 31:; •1t 171 B.t,5- ce~ 342 71540 __ 203' 1041 '-,0'-,b 745 2038 27:t.t;, ,11 >Ll llCiO 140 11'1~5 ------ -··· lt'f'.l 10 ~o~ :, 701b 14420 16053 b'-,644 2b37 l 2b479 ii03le lb 115b lb9b0 l~&b4 2.i216 3C.2 lY 29-'19 2.;lb b9:C HO !,b;:t 1233 )08 831 l~lb 3bb'l IS9 2~'11 3b7 331 NtW 177 0 ~76 04> 19049 17911;1 31&78 144316 417 458 i"(:04 31!>0 4'9 331 >Sd 0 118 ... ,2J'-,7 0 lObO I>> 0 0 0 0 0 0 0 0 0 0 134 0 bl 0 0 0 .. 0 0 J)-<,!, C, 0 I 0 12tsl 0 0 5Sl 1871 0 D 0 0 , 0 0 0 0 0 0 0 0 0 u t.D 0 0 0 0 0 l:>~£4 2~078 4LB2 5,),0!;3 L3:;5b 2!'> 9211 105378 OH lb710 OH OH OH OH 24b5-'t 19!>7~ 13019 21~40 62 l 1V73 138~ 0 903 0 0 055 lo 0 0 0 o>S , 1~5':i lbY 14 1,U 15 0 1,1 bl> 443b 1240 Yo b017 ',)04 679 Ob 6>7 3'1 ~12 24l ll3 ••• 0 '4b0 &lo >lo 1'0 5"2 b"fl b<S 3S7 71• '31 192 11Gb 20-.~ olb 0 50~U 3031 0 0 0 0 0 0 111 :,'92 :n'.:>o 429 3Jl >YB bit~ 213 b.:._ 4C,3 L1~'e lb L4~0 "" 6~? 0 b48 0 4.;)()4 0 0 0 0 0 ... .. • >e3 £h9l 417 45b 2GC>4 l L~9 l4t.O <>10 73!>'1 a . 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COVER.ED . .BY H001F1EO S. 8!» LOCATION TDEP 12> Vl lC.SH - - - · - - -·-- ----- -- ------·--·---4394970 43949 bO 4.;>9~005 4.:i9!--030 ld9::.040 4~9'.':,('~Q 43•1'.lvio 43'j"!)(;7{J 439'.':>US,0 439!il30 .. 43'1~lb~ 4395180 4.::9~203 4395£ 10 4]9.:>£50 439~.l-20 43953b5 43<;';,)<}0 439'J4U0 43<t',420 439'.>430 439~ ... ~o _ 43,,:,.,oQ 4 ..1',~47() 439'::i=-60 43~=,.:,"7..) 4~S'J010 43~.:>6.i:0 43',1':l':!30 4Y~'J730 439>l<t0 4390:,742 4395 77~ 439",bl0 4~':r!:>e4o 439-,910 4~9.:>940 439~950 4.39f_,0U!> 4)9t.020 .. 4_,q,:.O!>u 43~60t.O 4::,90071 4396130 43'Jbl40 439bl50 ~lA!-11 C.llllENS NB & TR {.Q PIQUA OH PlC'..IA. N•llUNAI l'-ANK & lR CO PH~U• OH Fir< ~1 N8 OF MAN~FHLD PLYMOUTH OH FMK!. b~ & SVG$ t.0 OF- f011EROYPU/o1t ROY OH PU~~i{QY NA Tl l:iAL bAN!\ PL'l'1t.R.OY . OH AMl RICAN bM~K PcRl CL lNT(JN OH P(;Rl Cll'.·HO"t NAllLiNAL bA.N!t. f'Oi{l CLINTON OH NB GF POklSM01JTH F'OP. I .S.MUUlH OH SH.URI TY Ct.N:lR.AL NAt bA~K. F'UR l ~MOUTH OH CH.IAl'..i:.K C.ll't hA 1 lUNAL bA1'1K. (.jUAl<.ER. C.lTY OH Flk5T NO JC. OF RAVEhNA RAVtNNA OH kAV£:l'tNA SEC.UW Nb Uf- kA\'.t.NNA OH CLNTRAL lRU~ l (.(J'1P..t.:'\iY R~Y,-..ULDSE!lJRG UH RJC.Hl'IOO[.) 8A~KlNL> CU FdU-1nO::H..1 CH CH1FPb1A VALLEY l!A~K. RITHIM-4 OH !=.AN!'.. OF RUSHLLV!LLE to RuS SELL V ILL£: OH bEU-lU,"H CtY St C.LAlRS.VlLLE ---·· _ OH St hE:NkY bM'IIK S1 Ht.t-i.KY OH HLJ.-..1: BANK.IN{. CO st H-'RYS OH f:AR,",i:."'.S. r-t:,, OF- ~ALlM .SALEK OH flk~T Nb UF SA Lb_,. SALEM OH SA .... (JUS.KY C.1 l lZE:.1'1~ bA:\1'sl N(:. CU"1:PANY UH Tt-t!l\:J ND Lf SAN.UUSl<..Y s1,1-.uus.1<...Y OH WE. S HkN SlCUi-<l TY bANK. SANL.,U~l<..Y OH Cl T IltN.> bANK OF 5HCUlY Slit lbY UH f-IR.S.1 Nb UF- Srl'tL!:OY SHE Ll:IY OH Cl THENS bA'.JC.1-lMAN NA l S lLlf-1.t Y OH F-lf<!.T NAt EX:tH OF !)!ONEY SlONtY O<i C.J 1 IlE/.cS STA Tt: LM~K SlLVtRTGN OH 1-IRST f-.b OF SYH.lr.l,flHO S ._,RI r--.t.F l E-.LO UH Ht;•'illNG-lN LGOA ~B OF '.>PGFLO SPRlM,F-11:LO UH SE:C.lJklIY .~Afl0:'-4Al &A~K. ~P~lNl.i=-JELO OH Fl RST Nut. 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(0 c.:i https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis ---MEMBER 6AM<.S -· _ - - · - .. ---- - - - - - - - - - - - bENE.Fl J _Jo_eANKS-tOVE.RED_ .BY 1100lflE.[J_..S. 8~ {l) oso NAME LOCAllON • 439bl90 PEOPLES BANK lRUST C.OMPAl',/,YVAN WERT 4390200 VAN WERT NAT lONAL DANK. VAN wERT 439022.0 PEUPLE S NA Tl l,N AL BANI\ VfRSAllLES 439b2b0 ~UNTHlGT1'1 lS T NB Of HCINA C JYpjAO~l"ll.lrfl H _ 439b27C: WAKL~A.N BANK. CO "HAKl::.MA"i W,~pJ..,...GNf::TA 4396.c'.SO F P.!i 1 NAT bl( UF- MAPAKU,..... flA 43'-102',.0 PE.Gt'Ll::.S NB or 'l'/APA"s.U~t:lA r4Af"A:-;.U'il:;1A 439b~00 SECUlO ;',jAT tlA.~K Of MAkkl:N WARKtN 439o31CJ W-il(;N 5AV1N(,S ANO TKUS T (.O WARRl:N 439b330 F-1 RST Nb LF NA~H CUUkl HWStl'IASH ClJURT HOUSE: _ 43':,t.,)7{1 Pi..OPLES STAI t h.At-.r-. WA\J~l::U,"i WAVf:.l,,LY 43So380 FlkST NAl BANK (JF- WA.VE.RLY 4396410 WAYi\E:~VllLE NA 1 lONAL SANK WAY'ttf.!,'11LLE. 439b430 FJ k~T "-1.:.T dK Ot- pjE.LLSll.t"i ~E:.LLSlON 435'c.4!:o0 TWIN VALLt:'i BANK. 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OF YUKON 10403620 YUJ<.Ui NATlG~J..l B4~K YUKON YU<.ON OK 39136, 32b&9 34334 12410360 Flk~l NO UF /'\C. /'\lNNVlllE 12410383 C.RAlER NAl lONAL bA"4K l2410'r-b5 NAT lUNAL SEtl..iR 1 TY BA.NII.. 12410!:120 FlkST NAT BA~:C. Uf, URE:r.ON l2"tl05b0 UNITED STAH.S NAllUNAL SANK 12410592 UOUGLAS NATIONAL f1ANK OF WtA THE:RFORO 107 8ANK.S Afff;ClEO IN STATE 12410230 FOR.CST GROVE: NAl lON:Al BAf« _ TDEP LOCA 1 ION l0403b20 St:CURITY S.TA TE BANK 104037!>0 BA~ic. OF WU(JOftARO OF Z/22./79 6£.Nl:FIT TO SANKS COVERED BY- HODJFlED S. &5 - - KENBER 8Af'.l<.S OK 50 49 fuRtST bROVE MC. JrHt.'IY lLLI: Mf:OFURO NE.,H'ORT PCJR l LANO PURlLANO ROSl:bURb 7 BANKS Af,HC.TEO IN STATE 3 2 (2) VL TC.~H 159 7¼ 307 ,oo (3) 1977 RE.Ob AL 14) New EPA l>l New REQbAL 131'2 0 l(;E,',) 55 0 0 0 1171 11, 0 Nl 0 (bl UlF .... (31-ISL _ _ _ 791 1372 1009 l l1l HAVE NO EARNINGS PARllC.lPATION AC.COUNT OR fU-QUIRtD RESERVE bALA.'itf. 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TR ((.! 342t-l63 SPiUNG C.RUV!:: NA.lJO.-..,Al 13ANK 342£:--.~b 342ti517 44c:3t>L2 442e 112: 4'-2 81.i:S 34207~7 342dlt:-~ 31t2U704 3'-28193 3428874 3'i28982 3"i29C..{;7 . QUAR.RYVlLLE:. RlOtWAY ROC~•E5Tf:.k RUSE:,'4l:rH S(UlTDALE 5C.!H,,'flGN 5c.RANlO"i ~C. UL,H.LL NAT 01',. Lf ShARl•N !>hAkGN MtRC.H6..~lS Al'IU MFC.RS NA.T bK 5HAfWr.i Mt:KC.HANTS N:l (Jf- ::.HENM-tCUAli !)hU..._A~DUAH ~lRSl NAl ti,'( OF- SHlPPl:r..SUURGSH}PPl:.N::OBUkG PEOHES. NU Of- SMlPPE-N!>i,I.JKG SHHl-'E:N5t.URG 342791'4 Cllllf:NS. NO CF !>lAl}N(.-,HJN 44-ZbOOl FIRST NS OF SLIPPERY RUCK 342~190 341;.!2~3 ~428310 lDE;P LOC.,t,1 IUN SLJMCR~ET 50UL!ERTON ~PRlNG G,Q.OVE: Pf.O~LE.S NAT b~ UF- C~ll-'.l PA SlATt C.ClllE.GE FIR~T NAl UANK OF Sl!<.ASbLflG STRASbU'<G FI~ST r1,H1Gtu.:... Tk\.JST l:ANl'I. SU~bURY F-lk::.l NAl t.W, L•f- bi<.A!)fl.JkO C JYlUWANDA FH.~l lilA]K. (TY NAT 9r<. TYRONC GALLATIN N-\1 lONAL BANK UNIL!N.lOHN WAkREN NAl IONAL bA~il'I. WARkCk t-!P.!>l NAT OA'V( t. TRUH C(J WASMlNG,lCl'f: fAKMC:KS fsib Uf- WA.lSGN.TGWN WAl!:ilii'.lGWN lrlAJ$L,;,jJQ..jN NATlul'iAL UA.~~ WA1SUIIITU#I'-" Cll lltr..:S NAT 81'1. l. TR. f.CJ WAYNE:!:itWRO F-lkSl NAT bK. C Tk CO WAYNE:SdUkO Fl~!:.T f4b LF Kf:H (HE:5lE:R Wl:.ST C.HU,Tf.k. F]R~T fA5lEKN bld11K N A WllKE:.5-bARRE i<l'l'O~lN'.; N3 Of !'1ll.-,E5-hAF:.RE i,jlLl(.f::5-8ARRt fHiELllY NATL !:H,ftK. Of PA lllLUA."'ISPORl 1'4!LllAl15PDRl t-1.AllU;sjAL tiANK WlLll/,MS,f'ORl C.lllltNS NAT UK lN MINt.lUf;.I{ Wl/\iCbE:.R. F-lRST NATIO,'J..\l tll. Of W'YLMlNGWYO,"'llNG l::Rt.JVf.RS r. "11:C.HA,\llCS N!::1 YLR.K. FlJ..Sl kAT CAf\il<. OF Y'OUNbWOOD YOUNGWOOD 19b bA~l'(._S AFFtCJED IN. STATE 118 !,9 PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA . 2b('.29 117&1 SOS-30 l6bl 296 3243<) 91.Jl:LH 151071::! 151-'t..c: H,2791 40915, 2lb20 (2) VLlC5H 324 250 1830 141 NE.W EPA ,.,, 8b.l. 2,t.20 0 11b 3430 3155 lo~,:, :?,t:18 ~7d 3030 1004 2'tl0 3S43 >>1 4'4 045 ,., 289 842 bl> 31467 !>2173 ~5,3 43& £4~0 375 912 1'11015 2280 48;2: 24t.42 4t>-/ 1770 lOt>l 155b lCib"t 1'3 771.4 40> l-'111 £2:05 5'i'i07 1'-1:128 924b4 40t1£1:i l<Jb5b 30t..!:i90 l!>'i-637 1846',-'t 3U49" 3249 143 PA PA 30~78 1"> PA PA PA PA PA PA PA PA 61J7bU 5.£.b 10 44 7<:,30 ll.>75 PA 213',4 lb8 731 l lt1!ibb 10'142 3~>'tl 121110 2U7r:,, 93783 .£172 Bl4 467 2~51 30-5 'tU!:i't't 23250 79312 0 0 0 2&o47 0 971 11~0 39!:il5 32551 ll:;}7'; 0 54!:,7~ ,,o HAVE. NO EAkNJN.GS PARTICIPATION A.CC.OUNl OR HAVE NO Rf.(,iUREO kE:SERVf: BALANCE 293 2<,ti7 037 31B bl!l~ -'1110 bt.82 453 ~30 'i32: B.t::'t 2111 100.C.i: liUll 3'-35 ( 51 NE.W P.f.'1bAL 0 0 6SS ~340-4 16-'-t~L 137!> 7 . DI 1977 RH1BAL 54 ll 0 b3 0 127 0 0 0 0 30bt, 0 0 0 0 0 0 8b2 S32 !).i:.O £?8 3tJ30 10b4 • 0 ~t:;9 • " 8'-2 615 • • 0 0 0 0 0 0 375 • 912 • :..!93 0 0 0 0 0 0 0 0 bl~':# lb4b 0 'illO .3e9"o 0 0 0 D 0 C b'tt'l 48~0 0 0 0 0 9!,4 C.b~..:. ..C.)0£ 349 0 0 0 0 0 0 0 0 bb4 D D 514 0 0 H.tQUllUO Rt.St:kYI::. ~ALA!iC.E. • .0::.?2b ::n,s 939 1200 0 • • 055 4652 403 l'iU 2205 l4El7 02-7 24~1 181::10 9o0 ... IOI 0.1F (3)-i5} _ __ 318 • * • • 4~3 • 330 43.2 • 15..!',1 .0::.111 10022 'i(d.l • 34~~ ~3~2 349 -.1e bb4 >14 • https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis ~N.EHEU:fl BAl'IIC.S 111 OSB NAME: LGC.ATIUN TDE:P -·~·-- -- --- - 1440050 l.r.40130 l44Ulb5 1440270 (JF l./C2/7Y BtNf:F-11-1O 8ANK..S C.O1/f.KED BY HOOlflE:.U ~- 8~ NEWPORT NAT H1NAL BANK C.Olu•rnu5 N3 OF RHODE lSLAND lN~USTk.U.l ~Al BK OF kl R I HOSPITAL TRUST N.\T BANK Nt:WPORT PkOVJDENCE PROvlOENtE: 0 - 12) VL TCSH (3, 1977 Rt.~BAL . --· 40016 1Hsb43 1497099 8645 lb Rl Rl Rl Rl Pk(>VlutNC.E: 4 BM..XS .lFF-H.TEll IN ~TATE: ---~--- 0 1~16 12382 143~.l ib3J 378!> 6~b7l 30674 14) "" EP• 13 76 .::5',e, 5100 5l<,,7 HAVE NO EARNINGS PARlltIPo\TlGN AC.CtJUNT OR Rf:QUlKE:!.J kf:.~E:RVE: t--lAVE: NO REQURlll R.ESE:RVE: BALANCE I~ l IO) NU~ (;.lf klQ ~AL 13 )-( 5) 0 ~07 ~1913 2'.:19,4 2E!33 3t:1S ll 7Sd t,7~0 - bALA..-..C.E ------------------------------------------------~i.,SOJ90 CJTlZE:NS £. StUTHEI<._. N~ OF ~CHARU-STON 5-450210 SUUlH (A.ROLIN..\ NAT ION AL bANKC.t--.ARU;SlON !)4~U~0!) FlR!>T NAlJOrML l:3A~'IK C;F S C l.ULUMblA 5'950325 kU·UBllC. NAllONAL BAr.i.l'-. C.ULUMbU. 5't503ti0 CG-1'1.wAY NAl 10~.a.L BA'ltK C.ONtotAY 545C420 CARLLlhA NAT b~ Lf [A~LE.Y t.:ASU:Y s-.sv,10 L.IJARA",ITY bA~K. ANO ltt.US.1 co 1-UJKtt-.CC 5't5C.·t.~C CAN!'l. OF NAK T S.V lllE HARTSVILLE 545.J,':it.O f. lh~l C.AROLl,'~A NAllQf.,!Al 8A~t1AR iS.VlLLE 5'-t5Ll110 F!kS.l NAl r3A"'-il".. (JF, HULLY HlllHLILLY Hill 5-4~ lOC·O Fl R~l -~AT b!<. I N GR A~C.£:8UkG OrtA-'1t.l6URG _ 5451160 RUCK HILL NA.1 BANK RCCK HJLL 5451260 NAllUJ';Al B4NK OF SC SUMTER OF 13 SA~KS. AFFE.C.H:O lN SlATt 't b SC SC SC SC SC SC SC SC SC SC SC SC SC 607502 911!>4't S't2310 20769 43951 373~9 514£7 21.303 3t>!.>C't 246~9 6'.>'44.C: 43b21 117105 181178 ..,,., 29318 14202 1£13 29098 4C.t>'l!i 267&1 7•0 17l4 9<1 lOt>b 6~ l 1609 6Y> 7% 1398 Ol> 2'333 1602 '46.£1 633 l't43 84b i::<;,37 5209 13680 ~1..:.0 l~~~L 5lbb 12823 0 0 0 '7> u 0 ~" 0 0 0 > 0 "40 0 0 0 230 u 2b.C.b 0 HAVE NO EARNINGS PARTlC.IPATliJN .-.C.C.WNT OR RE.QUIRCD RE5E:RVE HAVE NO RE.CURED RE:.SERVE: BAL"NC.E lS-419 1'H,t>3 13958 7o0 17.:'.4 'ion ·lt(.t<,, ... N) 2333 1602 4621 !:U1LANCE --------------------------------------9'460010 ABE ROEE: N ~~AT 10,'iAl BANK 946Ci~l':> fARME:.RS r. MI..C.H bK t TR. to 94tiOO~O FlRSl NA Tl BK OF "8 EROtEN 9 .. oC.030 S 1 AH bK Of ALC.t::SJE!\. 94~0Obu 9460110 94~01.>0 9400190 9400310 (.llllf:.NS ~TA H tlA:',,i"I. bANK Of- BELU:. fllUR.t!"IE. HRST Nb UF bC.RESf.ORO FIRST Nb ~RG1.11UNUS " C..lllH.NS STAlE.: bANK CO N~ OF C.Li:.AR LAI<.~ 9'-t.0540 FAK,'1f:RS S.T"- H: tiAN'( 91.i60':>70 flRS.T t.lb OF fR~EMAN 9'tbt.7-40 FARMERS A~D l".t: RC.HANT S BAf.tl",, 9<tbQ,j.jQ DEUt:l A6ERG~EN AbC-RDE:EN ABE:RDHN .ALC.E:Sl.ER AKt. lN&lO!'i b~LU: FUURC.111: BE.RE.Sf-ORO 5k.OOK.1M;.S C.lAkK C.LEAR. LAKE_ _ _ _ _ _ FLANDREAU fkU:MAN HURLJN SD so so so SD so so so so ,o ---·-·-·-·---·-·-~---so so so 8'406,0 .33't33 20b<,97 2.0115 13li31 37'137 17~0£ !>3935 l~b73 1'1~2.7 22703 l4b5t> !>1263 4bl 25CI li!Cb 3053 979 1!,.?l >b 703 71 443 277 1315 040 84 ~91 219 l9Ub •OY So 70 141 71' 871 3b> 40<> l 7b2 37 0 0 3915 5< 0 642 0 0 ce1.-, SU 0 0 402 0 1315' 640 lf:ldb 4()9 123b 0 59 71 0 0 0 0 0 lb8 0 0 .30~3 979 10-:. 443 71' t71 3o5 J7C..i:: N) 0 c,3~ 1~98 01> . ...·-·-•. ... i 0 __,' co :;: https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis SENEflT TO-BANKS. COVERE.O BY 110D1FlEO S. ~---· MEM&E:R bAr-.!~S NA.ME DSB Ill lOEP LOC.AlIUN 9',60!::40 bA1'1it.. Of ltM'iON LE.MHON 946(.•850 f-IR~T Nb IN LE:M,"'lON lf:."IMUN 94t,C.980 f-1 RS.l NS UF Ml LU.'< MlllHt ~46~.;~<;,() t<A~t., C.UU:"t.T'f SlAH:. bANK MILU:R 9~o ll:CCI C.C.:""i'1'-'!:_R.(lA.L lRUS.T ~'JbS. bAt.<.M 11 C. Hl:.Ll 9..;t; 101(.1 FIRST Ml TC.HELL NAT ~Af-.lK MlTC.ht.LL 9 .. 610.:::) C.lTJlEN.S. b< o, MUbR 1 OGE M.':J::ORJ LG-I:: f-Hll IP F'Hll lP 9"-C- 1120 f-Ik.Sl Nb c;-._ull"-0 r1a..s.1 Nt'> IN l'H.KRE Pll:KRE. • '" 94t-ll5CJ PlERRE NATIONAL ~A~K 9-.!l 1110 fH.S.1 NB OF lHC BLACK. HlLLS 94ol.:'.4:> ,w.ccc-o,r., (()U"'llY NA1H..1l\1Al BA.HK. 9._c, 12::-0 f-lkST Nb SJ OUX FALL!. 94bl290 NAlllJNAL bA:-.il', lif D 9.,,,ti:i.:rno fUT Ill\ Uf S.IUUX F-ALLS 9 ... t:>1321 UNlH.lJ NAliuNAL bA-'il<. 9461323 VALLEY N:AlIUML t:IA"lK. 9461325 Wf: 5 E.KN S.H.lE ~ANK. 94!.> lJ30 RC:lt RI S C TY OF S.I SSOUN 94t.l'.:II•O HRST NAT 81( LF WAHkH.J~N 941..:il!>oC SE.CUt.:Il't bti',if. A;',1D TRUST CD 94t>lb25 q.t,~◄ C.n·RS NAT 10!'.AL BANK _ 9'1t.l650 FlkSl DAKOTA. NA.ll BK 9"-01655 VAL UY S.lATc: BANK '" '" ' "" PlEkRE RAP JU Cl TY S.Alt:H s.rnux FALLS. SlLJuX FALLS SlUU>.. FALLS SIOUX FALLS SIOUX FALLS SiOu;w. FALLS. 515.SUON WAH.klO"IN W!:bS.H.R WlN~,lR YA"l~TLN YAN.Klc.N 37 bANKS J.FFE:CTED IN S.T ATE OF 10 23 b470J88 0470420 647{"t?O b47t41)~ 047i.6.3S. 647()~=,0 6470!>70 b47Uti40 6470700 12) VL TC.Sh 13) (4) 1c; 11 Nlw RU.11:U.L EPA t>l NEW RE.CbAL •• ts) OIF l3J-{!d cCl 2Ut.,3 7> 601 .:::7119 £4072 5b 1037 141 111 91 0 0 0 so soo lV:t>9 32 461 u 0 401. Su SD ~3417 ~L.640 ,Bl l!-9) 0 1~'13 46> l';,Ul 97 103 604 1,0 381 10 0 0 0 0 0 1"101 604 so H:8bl SD £1373 32:~0? SU 50 50 39!-0l 224i:lll so 14~..:..!A so 111715 40~518 SD SD SD 21:1092? SU 3'tOUO SD SD SD ~'-JbSO 122(..29 20::)!>2 51 7GB l:OG47 l 706b SC so Su SD ~1214 10!>94 2>1 40& 2187 ·10 Hl3b 3!>7~ 225b ll 7't "' 10, 1.£"1 ~..:6 117 >l 2:0b 114 12 790 lObl " 1G37 coo 1<;o lUf:ll !469 14or; E!'i-11 4% 61 4780 0 0 4'ctb 4,C..~3 22'iu u l!>b71 4-810 11(147 4437 1246 "1.S9 bb53 2721 ',2~3 9,d8 B3.c:'.b 234) D 0 0 1557 7:t.4 l:,.!O 6~0 111 0 0 4431 12:40 •1;,~7 7,:,4 0 10.20 0 0 0 0 bL.C 1129 u bl! 21S 0 20 1168 14.£ 4SO C, HAVE NO EARNINGS PAK.TIC.lPAllON AC.COUNT Uk kE;QUll'.EV f-.E.SE:kVE: HAVE NO Rt~I.JkE:O RE:SE.RVE i,ALArKE CllllE~S NAT tUNK OF ATHl:.NS A THE:.NS flR!,T N& l.. H. ATH:;N'S, TN A TH !:NS. f-11:l.S.T rut BK. Of- Cl:~HLK:,illlE. CE:~HRVlLLE A~EH.lCAN NA.T bA,'.t!.. A1'.0 1k. C.O U~Al !ANOOGA (.QM;..:_kC.f:: U~ (.HA 1 T ANLOGA C.1141 l M,GO(,A F-lRSl TN 6.!,,';.J<.. NA C.W,TIMWOl,A(HATlAN:UOGA fl KST 'Al bi,t,, OF ClARK.SVlllE: C.LAk!'.S.VlLLE CU:.VELAND .'IA.TIC.-~AL bAN)(. CLE:.VC.LANO HAl-':lL llJN t-lkS T NAl i;)A.N.K. tUNlLN flP.ST FARM:".~ (. 11~KtliAll,l S ~bCULLIM~lA F-H.ST T~ BA'l~ ~A COl!l<.t:VlLLE (.L;O!<.l:VILLE f!P,SJ NB OF POL!\ C. l Y LOPP[;f./.Hlll FIRST N.A I OK. Of CkUSS.VlllE C.f-.U~SVlLLE FIR.ST NB Of Fll..ANKLlN CTY DLCMEkD "" TN 1" TN rn 1' TN TN TN TN bll lH:B 4>0 2014')1 2oS <,Q'-l 643 bO'i 0 -11'1 1'4 0 &04':l l!i"1b.~ 5£41 ::,...::.2 l 77~ 726~ £4,4.(. 124'4 0 43':tl 0 0 &12 1961 .::.39 <,.i::Ol 76!>99 5311''1 lS.4~ l.l'..7b 30427 b?3 au 1~•::,s 0 0 0 <A<A 643 b09 14' ':'C.21 o3~ a 30db 0 177!> 72t,5, 0 a;o .,,, 0 TN t, .. {Jl8 131.:::: l9t-l TN TN 67723 1031 27G9b .:,.~o 137U 6&6 lN lN -.t~2l 4bU 17o7 0 031, 0 0 0 0 19915 122 239 0 0 -·· ------- -- -- .. . ... BALANCE 3b037 .£427 .. 4<t4'.077 4~_jt,O 2703'>6 .... 7b4C ------------------------- -------b470070 047C-090 647(.,340 t.4.1G.2ZU 6r.1u3h!) -- 2/22/19 -· · - - - · so so SD ··- a!t 24'12 1~45 .lt:!70 ~61, l"lt-1 . 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SAN ANTUNlO ,. ,. 111 lLE.P L□ C.AllON "" TX TX TA lX lX TX lX lX lX lX TX TX lX lX TX TX lX TX TX TX TX lX TX TX TX TX TX TX TX TX lX 1X TX TX TX TX TX TX TX lX TX lX lX TX TX 1X •<9 ~4b4U b.!.j 3b5:>5 395;;:7 !>551.la 2.4!151 2973S 4'5 515 512 2.02 3~9 3":t<53 i:t>l 19<:fl,j 321 l'-J 23709 £3045 125700 ~98&3 12&£97 21367 2b"lb9i l40 1t9b 1324~7 s.;oc,s -- 12 > VL lt.SH 25750 41.301 JlO.33 25<j91 24~10 17375 47401 25493 318?7 .lOl_:,b 1196'.>2 21L99 3721'.> 2-4,'.'.74 23940 £47::.o 20743 22~4~ -----·-----··· 2/~2/79 3373b 77t,bb 7 3'o293 255'81 43293 13) 1977 RlObAL >>O 71• blO 20lt, 1442 lObO J(.>'t9 124 4.35 ,~2 311 109 402 239 1029 3oe 3\JIJ".i i,.,.'::,3 H,0.2 2104 b'3 91~ lt,91 ~-~ 7 22.12 9b8 li:lf:I 770 ,S4 42• ;05 <05 77> b4b l::>t2 '90 3C.ol lC'.:lil 21'>6 <>'9 1167 »• lOOb~ 444 ,,,. ~':,1841 '70 515184 1£6412: 2 ll42 "eo, bSO 290 0 ..,., 0 0 133d 2>5 0 0 348 0 190 0 81 0 137 1010· l.:'.59 1022 0 0 3lti 922 l~U't ,,, I>> New REWbAL 0 510 5233 339 22~1 EPA 0 3519' 122 l36 178 2()1 2b4 Lf:.L {4) NtM 0 u 0 0 0 0 0 915 0 0 0 0 444 0 770 '47~9 922 0 l.:1<:,'7 9>7 0 0 7 0 0 0 0 1070 12!,9 0 0 0 0 0 119d 0 3123 C, "" 3001 3Lb61 901 2052 3~10 2~.2£'-'t 7;7r, •o• ,s I 2272 <.tb8 U.78 0 0 731 32b"t 0 ~4V~ 43t:l 3110 468 0 1794 53s,,.,, 0 1103 210~ 5~7t:s 4900 0 0 0 0 0 41bb ~b9 0 0 0 0 .t.1577 0 ;o, 775 b40 14~4 <'7 ll'tt> 4b .. 1 224", !;, 1,41 51-U 7660 !:>Yi:.O ~23b 20.2"6 b~1 30t.l llO'tO ,01 0 2C>52 0 .)!>IQ 40-.e, lbl 7& 2b7 0 . . .• b'3 l(.,<;'7 0 5£.)b 20.::C> J.4k.2 lut•O l c-.-:,, 3,)09 14!13 lb~2 .21c,-. 0 0 231 b~t'':i> 718 201 b 0 l4b4 947 4t.-'t7 .£2¼4 541,1 540 124,:'.(.:, (O) (Jff 13l-t5L____ 7'j09 bu8 ... .. .... ... . . .. . ........ ~ https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis ENE:fl 1-.TO _8ANKS_.tOVE.RE.O _sy _.MQDlFl~O S. -B~ _____ _f'I.EJt&f:.R_.&ANl<.S----· - I 11 OS8 NAME TGE:P LOCAlION 121 11487040 114870c,O ll-487130 11467140 ....Jl',87250 ll"-t7350 ll46735S 11487375 ll4S7360 11 .C.8 7"t30 11487"4!>0 11"467530 1148 7td0 ll"-B7b3S ll487b40 1148 76 ... 5 ll.C.b7c.90 11487710 11487720 ll'-8173t, 11487740 11487750 ll487170 11487780 11487790 ll-'1Q78SO ll'-87920 ll487950 1148 7'1!.5 11 1161900 ll't87'17U ll<ti;j7973 llltBt-010 l l 4&EOBO ll4b':Otl.8 ll-'ICOOS-n ll.,Si,110 1148812.0 ll'ter:u.~ 1146bll0 ·- 1148813~ ll.C.8l'l70 11480190 WINDSOR PARK BANK. NA SAN ANTONIO flR!:il rr.o OF SAN AUGUS TlNE SAN AUGUST ]NE flR~T NB OF SAN MAP.CO:ii SAN MARC.OS STATE bANK ANO TRU!i.T COMPANYS.AN HA~CCIS _____ FIRST NAT bAl'i~ l:'t SE.GUlN _ SC.GUIN !i.HEf<.MAN HE:RCHA'ilS ANO PLANTERS. Nb TE.XUMA NAllUNAL BANK S.t1ERMAN FlR5T NAT o,<, OF SlLSbf:.E 5IL~bH 51LStH.E SILSBEE !:,,TATE BANK !)NYl.iER S.NYUC.R NA TI UNA L bANK. FIRST t-.lAT bAr-.K Uf SUN(IRA SU~ UR.A FARME:kS, FJRS 1 NAllONAL SANK 51EPHf:.NVlLLE: SlJL.t>HUR SPklttGS C.llY NB OF SULPHUR 5,PklNG5 S.ULJ'HUR SPRJNGS PEOPLES NB CJF SULPHUR SYG,S SULP11UR SPRlN(,!) STAlE tU,NK SULPHUR SPRINGS SWHHiAH.R FIRST NAT a, _____ FIR.5T hAl Of TAHC,KA lAHOKA C.ITY NAlIONAL bANK Of lAYLl.RTAYLOR FIRST TAYLOR NA110NAL bANK. 1 AYLOR H~PLE 11::MPLE: Cl1IZH4S N~ F-lRST NAT BANJ<. Lf- HHPLE Tl:.MPU. H:MPLE l'IIAl lU~AL f!ANi<:. TEMPLE: A"IH,lCAN NAT BA~r~ OF TERfU:LL TE!UULL _ lE).Ah..KANA NAllONAL BANK 11:.XARKAtO. TEXAS Cl TY t.lAT IO~AL 6AM lEXAS Cll'f GUAkANlY t,OND ST A lE BAN< lt!MbALL lUL lA FlR!:.T NAT bAtJ~~ OF- TULIA Clllll:.NS. FIRS.T NAT BK TYU:R H(R l l AG-f:. NA I l □ r,i'il UAN.K lYU:R lYU:R PEOPLE.S. NAT bA1'tt',, (JI- TYLER lYlf.R bM,IK £. TRU~T CO lYLt:k Q.At,iL,CJU-'H f-lELO NAT BK Ur--.lYEkSAL tlT'f Vl:RNON HERRl,-.G NAT BA!'-1.l'i. OF-· YER.Nl.JN WA(.C,QNC.R N4 T BK Of- VERl\ilJN Vl::RNUN ·-·--- ___ f-lR~T VlCTOKlA NAlIU:,,iAL ~AN{VlClORlA VIL TURI A Bl( Vl(.. lORlA lk CO MACO Cll!lENS NAl bANK OF 1-iACO f-lR~T NATIONAL BAN!<. Of- WACO WACO LAK.£:. AIR ~1 llJNAL bANK WACO H.XA~ NAT BAf'tK Of NACO WA.CO kAC.O Wt:.SlVIEW NA.T JUNAL SANK ClllZE:N5 N~ 1, WAXAHACHIE WAXAHACHIE Cl THENS Nd WE:ATHE.R.FCJRO Wl:.ATHt.R.FCRD WEA lHC.RFURD ll'P88200 F-lRS.T ""t! OF rrtt:ATHERFOIW ll'i61:!210 ~kCH (. FRH ST t,K OF WT!-1RFRC, WE.A THl:RF-ORD ll4882b0 WfLLIN&lON S.TAlt:. BANK. 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WL SPL!t..ANE WA 12S310.i:O FlkSl NB OF SlA'lWOOD STA.NwDOU WA 12.5.HOEIO PUGET SOW:> NAllU~AL 8ANK 12~31170 bAKE.R tsLYt:K Nb riALLA hALLA TACOMA WAI.LA iiALLA WA WA --.-l2~3U9ea F-IRST Ne IN SPuKMlt: 12">3C:9GoC., OLD NB Of ,iASHlNC.TON OF 1~ BANKS Aff-EC.H.D lN. STAlt 4 12) Vllf.~H (3) (4) 1977 1<•w REt;JSAL lcPA 2/22/79 - - - - - - 15) NlcW Rt'JbAL fb) ulf (3)-(5) _ __ 5146 2 Sl 13 l!,020 23lb452 3!.:131~ )(Jtl5t.b 522.c'. Z.0't-49bl .34ti7?4 59&30 7838 lb 236"/7 456016 67700 69347 b3!3 l3)4 .15250 17-Ci!>53 1£277 L033 SObl 7471'!. 10':f':lb!t 337':b b_.,~tf: 11764 9b3 12717 5,024 2711 ll.09 937<,c;,3 WA WA WA WA 12530e7o SlAllLE.-FIK.!>T r-tAllO~/t,L E!AN"' Sf:AllLE .. _ 17021 ,,. .ft0233 2SiC..?7 bH ',(110 bbl !,0<,3 0 392:, 0 lb7b'i 0 ~~bb 0 8.::v4 2033 -- -- *·----l22'tB Ol't '1115'1 2711 * ·HAVE. NO E:AkNlNGS, PARllC.lPATlON. 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Of DADEVILLE: bUlC.,!>'13 f- IRST ~ TATE Uf OH.A.TUR bOlOl.i'.O RLbUtl!>UN BANK.INC. CO blJlt11C\) t.Ll\A l::XC.HANLI: SANK. 61.1lU6U~ CJ l JltNS bANK owl Ob IO ENT t:.R~Rl!>t 8Al'IIK]NG, (.UMPANY bOlOolO l::Uf.AULA BANI(. AN!J 1KUS1 to bOU,b70 tllllt.NS BANK. b01Citl'f0 t.SCAMUlA LCJUNTY bANK 0010-.20 fAkME..k~ AND MERC.HANTS BANK 0010",!Ll ~OLJJH bALOWlN bANK bOl O~i !I f-Ukl PAYNI:: uA~K. b01Ll93Cr fOR 1 DE i'USl 1 bAP-.IK bOlO'ibO A.LA~Af1A C.llY HANK b01(.:<,!j0 EA..S T GADSDEN HANK b0ll..l9'i!> AMf:RlC.,V4 bANII.. bOlll,00 CllllE:.N~ HAN!{ bllllU~5 C:.RE:.LNVJLU: BANK. bOl 1080 15 T AL bl.kl<. OF C.'-"'TEkSVlLLE bOl 1110 lRALJt.1<S AND FARMt:.ltS bANK b!Jl 11.,U CI 1 lll::N!) DANI{ UF- HARTSE LU: bCJl 1143 FIR!)l AL bUdl, Uf- HARTSt:LLE b\.111160 OA~fl. Of- Hl:FLlN bOl l lo!> bAt.K Uf HUNT SY ILLE r..,w ~- Ab&EVlllE: ALAtsASTER ALEXANUf;.R tlTY ANDALUSIA AkOALUSlA AkA6 ARAb AlM(IRl: ATTALLA AlJblJk"1 BAY MlNE:.lTt. bAYOU LA OAlRE blRMlNGHAH blRJWI 1Nt..HA.P4 bl RM HH»HA'1 blkMJ f..LHAM 8LOUNH.VlLL.E: bUAL i:,ktioHuN bUTll::R C.t:.NJRt U.NTkC DAOtVlLLE. Ott A Tl.lR Dt.Ml.JPOLl S t:LBA f:.NH.Rj,IRJSE tNT 1..kPRJ!,E E.t,f-AULA f-AYt: TTE FLOMATON FULLY fULl:.Y Hlkl PAYP-.iE >UR I DEPOSl 1 (,AU!JOf:.N C.AQ!)Ot:N C.lNl:.VA l:,l:Nt.VA C.kttNVlllE C.LINTt:kS'ilLLC HALl::YYJLLE HAR 1 ::.t:LLE HAR THLLE t1LFLJN HUH !)VILLE TOEP AL AL AL AL AL AL AL AL AL AL AL AL AL Al AL AL AL Al Al AL AL Al Al AL. AL AL AL AL AL AL AL AL Al AL AL AL Al AL AL AL AL AL AL AL AL AL 23-'t21 15370 19940 2'1491 40044 17!>6!> 16533 327bl lbt-94 14606 24743 lb52HlBl.::9 5-lObb.l 31'>'3!>.L J"tOi:fio 2l2"t.i'. 2&!>40 l27.H .::4032 2bbBl 324!:ib lb!>b4 3t>l7S l!>302 20b33 3113U !>&41U 31.::37 lb42b lb09.l 2740L 22471 23~07 l",146!> 3;235, 2;100 1 !:)i;j 12 2(.ie72 L.B59 2301~ 43308 ~5051 (,t'.) VLTC~H 240 374 340 302 ~oz 2"2 4>4 2•• 207 212 430 3b3 602 30!>0 6072 001 30., >o2 ,,1 333 402 320 2bl. ;e1 >•I ~12 308 ,. 1 ~1b 3ll 229 3b1 326 4-9.?: 131 1977 kl:QbAL 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 141 N,• EPA 0 0 0 0 0 0 0 0 0 0 20 0 0 0 0 0 0 0 0 ~-9 !>l 70 0 0 0 0 0 0 28 0 0 0 0 0 0 0 0 17!>09 :,;,01 0 0 0 0 0 0 0 0 -l 7~V7 -3.d,l u C 0 0 0 0 u 0 0 0 0 u <, u 0 0 0 0 0 0 0 0 0 0 0 0 (; 0 0 0 0 0 0 0 0 0 >97 0 34> 07~ 0 0 Jo> 0 0 0 0 ij38 p 0 0 u -~ 0 0 0 4ij!lb3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 ~02 C 0 0 0 0 0 0 0 0 574 0 140 818 0 0 0 0 0 29855 lbl ulf (.;SJ-( 5J 0 0 0 0 0 0 0 300 71> 240 2b2 123 20928 '~I N,W R.U.ltlAL u u 0 0 0 u u u 0 0 0 0 0 0 0 0 0 0 0 ~ https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis atl<EFlT to BAN~ toveuo ~y MOOlFH0 s. 85 -·- NOt.Hf;J1BER BIJtK.$. _- - - - - - - - - - - - - - - - - ~ Ill 0S8 NAME TDEP LOtAllON 2,22/79 121 Vl TCSH _ JAC.KSON BANK ANO TR.UST tQ JACKSON ME:kC.HANTS BANK JACKSON C.l:l'wTRAL Bk OF WALK.ER tTV JASPl::R bANK OF LE:Xl'fGTUN LE>l;lNbTON MC. MllLAN ANO COHPANY 8ANKERLIV1NGS10ft LlJ\ll:Rl'if: BANK A~O TRUST C.O LUVl:.RNE PU.RJ(.iN bAN,<., ANO TRUST CO HARION t(JMl-\l:KC.lAL f,UARANTV 8AfiK. HOOILE Mt.k(.HAhlT!:t ANO PLANTtRS BANK. Hl.NTlVALLO ~AN.I<. Of- HOULTON HOULll..f'C llTlUNS bANK. l'IWLltJN 8A"1K. OF t:ASJ ALABAMA OPELIKA l:.ANI( UF OlARK. UlARK Pl(JPU:S BANK Pl:Ll C.lTY H.1'4 bANK UF kUSSt:LL C.lY f'Hi:NIX CITY PHlNlX C:.lRARU bANK. PNE:NlX CllV fAh.,-,lRS AND MERCHANTS BAN<. PlEDHONl bAl-tl\ U .. PRAll'VllU: PkAll\llLLE C.l.JUSA VALLEY bANk RAINbLW C.I lY EAST LAUOUl.lJALI: 8A.Nl(.1Nb CO ROG-1:kSVllLE Cl T llENS bANK. ANO SAV lttGS COk.lJ~~tLLV llll: J C JACLbS oANIUNC. tO l,.C SCUTTS6URO ClllHN!i. bAN!(.. AND TRUST ta !i.tLHA bA.~K Of- ::.ULllG.l:NT SULLILE:NT 8A~K OF TALL.AS.St.I: lALLA::.SEE: t\M,K Of THOMASVILLE lttOMASVlllt. TkUY t:UNK. AND JH.UST tUl1PANY TKOY o01,n)b0 BAN~ Uf Vl:.KfiUN VERNON b0lll2~ Cl T llE:NS hK. (Jf- W.flUt1PKA AL WHUHPK.A b0ll220 60l 12L~ b011231 0011270 bClll3C,Q 601 DlO H,lUSO blJll31b ou11 .. 20 6(.;11400 bOll~lO bull505 6ul l!:iSO bOl 1~05 6tJ115o5 bUll590 bUllblO b0l lb40 bUl lb't9 bOl l 730 bOl l 1 .. 0 bOll760 60117€~ 6ull8b0 b0l.t.9LO 6011'>'35 6011970 Of 15 BA,.._~ AfHLHO lN SlAH b7 b ----------------------l20i:0002 l202L007 1202(.,00b llO.::'UUlb 120.c'.00.i:2 l202G0b0 Of ALA$KA HANK Of (.(JHHE.RCE: ALA.Sic.A PAC.HlC bANK ALA!,M..A ~TATE:BANM.. t'E:OPLtS BANK ANO lRUSl CO Ufltl HD bAflll\ ALA~KA b M BfHH.CNDS bANK ANCHORAGE ANC.HORAC.E A.NC.HORA.Gt:. ANCh0kAG1: ANC.HUk.AGt: JLIH:AU b aA~S AfflClE:O IN $1All -------------------- I •l NEW EPA Z344b ,22 0 0 AL .t.013& •11 0 0 AL 11&21 b82 D 0 AL 23b 0 0 0 0 C, 2,1 323 llbO 0 lol u u AL AL 22204 17850 17821 20390 70466 1 !>55l 22b75 19l7.i! 3433~ 3(j381 lt:1146 l lt.40 218!,b 13c;,07 3612!> 1779!> 11941 1700"28~69 2479!> l4tb13 191 B't 27026 AL 3~.t.'t9 "' ,,. AL 1721b U3 0 0 0 0 0 AL 11.;eo 3b8 0 AL AL AL AL AL AL AL AL AL AL AL AL AL AL AL· AL AL AL" AL AL AL .. & b1' 3&.t. .,, 673 ,11 52• 0 0 0 0 I ~I Nt:W RE:QBAL 0 0 0 0 0 0 0 0 0 11~!> 0 0 0 0 u 0 0 161 1.Jlf 13)-(!,J 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 b1' 0 0 0 0 0 0 0 2:12. 0 0 b&b 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 2,3 2b3 '" 3•5 330 0 30& 50 l 0 0 HAVE NO E:ARNlNCi.S PARllCIPATJON ACCOUNT UR RH,tUlRE:LI Rl:SlRVI: HAVE: NO Rt:UUkEO RE:StR'VE: BALANCE: 0 0 0 0 0 0 C 0 0 0 bALANC.1:. --------------------------------------------2103 •• ~70 071 ••A• 17~3 2700 ,oo A. 3bl3<J 309 l~'t '11 37190 0 12~202. 't39~9 11518'9 23b7 3b732 0 0 0 0 0 0 0 0 A• AK 0 b 13l 1977 REQflAL 352 0 0 ,3o HAVE NO EARNlNhS PARllClPA11C>N ACC.(iUNT Ok kEQUlkE.1.J kESlkVt:. HAVf NO Rt:'°iUH.EO RESERVE: bALANCt:. ~AL~Ct:. 0 0 0 0 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis NON1"1£MbE R 8ANK.S bENEF 1T 10 bANJ<S C.lJYEREO bY NOOlflEO So 8~ 111 058 "AME ·- -~- l20't005,b 12 0400b0 l204C.,Ob2 12V-'o0095, l204CIU97 120400',9 12040129 120401-',5, Of - LUCAllUN TOEP ~l,l/1'i 121 VL TC.~H .. STATE BAPiK AR J ZONA BANI( CUNTINE:~lAL BANK. GIH:AT ME:~tERfi BANK , TkUST THU~OEK81RO bANK. '-"1 TE:O bANI( OF AfULUNA C.lTY BANI( UNICl'II 6A~K 31b 195072 11.,.32 l'-77 0 0 2b'tb7b 31.,C,2 H105 oH AZ Al 3fiol9'-2 1714b 3322 AZ IOI 2b7 bll 0 0 0 0 0 AZ AZ AZ AZ Pt-1JtNlX AZ PhUUdX s.uN C.lTY TL(:~ON 2 2 u H,15 1137804 LME HAVAS.U C.lTY Pl<llNJX Ptt.JtNU PhOE:NU 8 8.AN!f.S AfHC.HO IN SlATE: 131 1977 RUH\AL IH 1,1 NE• HA . ,. 151 RWbAL :>l ~3 0 )b2't9 19.i:b 41:,2 0 9&~0 0 0 33t,2 0 0 !».i28 :i.200 ~l ~"# 1100 HAYE: NO E:AkNlNb~ PAR.llC.lPAtlOfi AltOU'11 Uk kU1Ulkl;t) kt~H.Vl HAVE I,() REWRED RESERVE bALANU (ol "" UJ-l!d 0 -3t.i','I -l'-, .. -'-1 b "iL l> _.,.f'.,0 0 tSAL.A..O...U -----------------------------a------805-0020 8U50030 80500',Q 80!J.Cr05"0 BO!i.Ol'-0 8U!:i01~5 80501;0 8'1!>01~5 80~0200 80:-J0.:.20 80':>0l30 805"0tb0 dCJ504'.lU 80!>C.,:ll~ 80!J.0:S35 81J!>034~ 80~0350 8050:S70 &0503ti0 805"0'-20 8050'-30 '80~0470 eo,osoo 80!:i\Je20 &O~Ob4t0 8050710 80!:10730 80~0EOO 8C.~C.c.20 &Ahl\ OF AMITY Cl 1 llfNS flRST SIATE bANK. co Ei.K HORN bANK ANO lRUSl P1E.kC.HANTS ANO PLANIERS bAHK bE~fUN nATf; SANK, UN)l.lN BANK ~ANI<. OF- bl::Nl 0-.V lLLE: C.11 HENS BANI". C.l lllfNS tSANK. bANI<.. OF BklNK.Ll:'Y BANI<. Of CABOT Ml:kCHAtHS ANO PLA.Nll::RS b..i.K C.1 T lH.N.S &A.'tlll.. f. lRU~l ARKANSAS STATE bANK CL lNTCJN STAlE bANi<. FIRST STATE bl< ANO TR CD C.OkNJNG, b.ANK lJANVlLLi:. S.TAlE BANI\ bA"tll;. Uf UAROANt:LLI:: 1-AkMtkS JNO Kt.kCHANTS BANI(. DE WllT BA~it ANO TAUST CO HE:RtHANT5, AND fARHEKS BANK. E.XChANGl bA~k ANO TRU~T CO F-ORC.IYC.E bA:\I'- ANO TRU5, T tO Pl.ANTER$ HANK AIIIO TR.!JSl tO bANK. OF C-.k.AVl:.llE FAR'1EA.S bANI<. bANI\ OF- HAq_Rl5.6UR~ Sl::CUdlY bA"4k 80!>0b50 ClicbUklCic COUNlY bANK. AMI TY AKKADl:.LPHlA ARKAliHPHIA Ak.KADELPHlA bf:NlUN M.NlUN btNlONVlLLI:. Bt:NJUNVJLL~ &OUNt'llLLE AR AR Lb11~ flkl NKLEY Ak AR L0::':17b l 12bL )U':lb't l~t.'iJ C.AbUT tN1Uth CAA.Ll!.LE l.LARKSVlLLl C.LlNTCift CC.:ftPl'AY CURNI"'DANVILLE: CAk[;A"tHLE: Ok~ AkC DE. 11111 TJ Ol.l'IAS El tA..RAOO fUklJYC.E. fUK~i:ST t i IY C.kAYi:ltt C.kEtN-,OOLI HARkl~bURG hARk1SUN HtBER SPRl,.GS •• •• AR AR AR •• AR •••• •• Ak AR AR •• •• AR AR AR •••••• AR AR AK Ak AR lb.322 ltU>H• Jl'lb1 lb.C.7t, "i.C.22b 35,<i.3,0 ,.,,11 l 70i::C. 15>H ~7 lb7 ~t1t:Ctl 2-'o~ 13 2'-~tli:: lb!>Ct,i lb23't 27370 t.Cb',4 3~552 172',~ 33b0l l lti45' lb~79 lt,04<. 4t,7~9 24140 lib 0 0 0 ,{,Ct~ 0 0 0 .....""~, 0 0 0 0 "0 0 .,C 0 0 0 C 1,. 2,., tt32 ,o, ,., 29' 101 in.b ,., ~~) >Ob 3,0 3U7 5•> " 0 0 0 0 0 0 0 0 0 0 0 I <0 " 0 0 0 0 "0 "0 0 0 0 0 0 0 b.)3 0 " u 0 C C 0 V 0 0 0 0 b)l 0 311 !>11 " 0 0 0 0 0 0 0 II II 0 0 0 0 l.t3 0 0 0 377 0 0 u 0 0 0 0 0 .,., 0 ,21• ••O 0 0 0 0 0 0 0 0 10, "0 "" >oo 0 0 0 1•• .. 0 0 V 0 0 V 0 0 0 0 0 0 t..:i t..:i Q) https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis ___ NONHEHBER BANKS 11 l o~• NAME:. LOC.AT ION 8050975 FIRST JAtKSONVlLLE BANI(. JACI\SONVlLLE. 805096!> BANfl. OF MJRTt1EAST ARKANSAS JLNESbORO 8050990 UE:NS BANK Of JONESBURO JltHSbORO 80!>0',,9tt FIRST BK ANO TR Of JONESttOROJUNE:!:.bOkO JlNE!:.bUkO 80!> 1000 Ml:RLANl l LE. tiAkK. 805l0t0 BANK OF LAKE VILLA.Gt: LA1U V ll LAG~ 8051140 bANK (Jf LJNCOLN LlNC.OLN 80!>1175 PULASKI BA~!( ANO TRUST CO LITTLE ROCK 8051210 FlR~T SU,U: BANI\. LlNUK.l:. ML C.RURY 80!>1220 BANK OF MC C.RORY 80512.30 MC. c.t:HEE BANK. MC. GE:HEE. MAGNOLIA 605'1250 fARMlKS BANI( ANO lRUST tD &051270 bANK OF MAL'IERN HAL '11::RN HtNA 8051400 U~lLN 8A.N~ Of MENA MC,,,i::TTE 805l'tJO MUNlTTE ~lA.TI:: bANK b0Sl'9)0 (.UMMEkC.UL SANK AND lkUS.T toMONT IC.E:LLO 8051440 U/'w.lON BANK A.NO lkUSl_ CO HUNT lC.ELLO 8051450 F-lkSl ~TATE BANK HU<.klLTUN HUUNT AlN HOME BOS.l'tbO PtGPU:S. ~AJ\IK C. TRUST CO MOUNT 10A 8051480 bANIC.. Of HuhllG,01URY COUNTY 80515(10 PIKE COUNTY 8A.NK H~ fkc.ESbORO 6051555 Mk.CHE. PUNTERS. BANK NtWPCJRT 80!l l5b0 HUN Cl T'r DAM. NOR Ht LITTLE. ROtK OSCH.1LA &051580 PLA~lEkS BANK UlARK 80') 1590 bANK OF OZARK 8051620 Sl::.C..lJRllY l:.\ANK PARAUWLO &051110 l:.\ANK Of PUCAHONU~ POCAHONTAS 8051750 f-AkMEk~ ANO HERC.HANIS BANK PRA.1RlE r.ROVE PKE:SCOTT eo,1760 ~Al'liK OF PRESCOTT 80Sl81!> FRMS r. Mk.CH BANK kl.iGck,S, 51:ARC.Y BC,~1858 FIRST StC.URl TY bANK BO'J 11:100 bk ANT COUNTY SANK SNt.RllJAN &051~05 ARKANSAS- STAH. bA.t-.K SlLUAM SPRINGS S'1A(..K0VER 80519~0 SMACKOVER STATE 6A.-.K SPRlhlGOALE 8051900 flRST STATE BANK 8054!000 fA.kHE:RS ANJ HERC.HANIS BANK STUTTGART 8 Ci~2 oi.o bA.1'1K OF TRUMANN 1RUl1A.NN V.\N BURtN b052l>90 C.ITllEl'w.5- tU,Nf(.. AND TRUST lO 805,dOU PEOPU:.S i,,,,, & TR C.O YAN tWREN WA.LOkON 8C52130 BANK Of W4LURLN ;.A.RR.EN 80~.2160 MARRtN bAN~ L. TRUST C.O WHNER &G52 l 70 bANI",, Uf PIE:!Ni.R IIIES T HElt.NA 8C,52l1S Ml:kC.HANlS A.NO FARMERS BAN',. 8052180 t,ANK. OF- WES l MEMPNJS WEST HEHPHIS WYNNE 60"i2"2lo0 C.KI. ~S ClUf\lTY b A~k. en ;ua.n..., UUrlf:fl T ta BANK.S COVER.ED BY 11001FU:o s. 8~ TOEP AR 34781 2bb53 Ak AR 93310 •• •••• •• AR AR AR •• •• AK •• •• AR AR AR •• •••• •• •••• AR AR AR AR AR AR •• •••• •••• •••• Ak AR AR •••• AR AR •• 121 VL TC.SH ·o 372 503 34b '61 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 »3 0 )j_j 0 0 0 0 0 0 0 0 0 0 0 ,so b0.:)89 lc.tb<i l'iblo 15i,b3 41(;-35 2201b 2ti020 3'-..:'.~9 ls> "' .3c4 2L11b 24'11!) 20044 lb32b 2.4j,2b 30280 3106b 'tb'tl4 l 5034 15629 2b55l 91470 192.29 2251S 42555 22322 lbb50 l994ti 2b!>l9 4076b l 7'1'tl 18219 1776'.I 63381 S280._ 1'1286 23h31 18.lob2 19254 >17 .tb3 3lb01 19433 2,113 40328 2214'1 l· 1:,. ,nw EPA 1098 2EltH'I ~1'1 •01 ,,. 311 l>O ,o. ,u, "' ••• 229 211 ••2 ,,. 323 '75 317 '" 2bO ~b2 26.i 828 ...,.,, o•O 322 20, 101 ll2 ••• ••• 28b I., 131 1971 RE:.QbAL ~ 0 0 0 0 0 0 0 2:bbl 0 1213 0 0 I 51 (OJ "'" UJ-(~d Rt:QbAL 0 0 0 0 0 0 0 OH 0 0 "0 " "0 312 0 0 0 t, 0 0 0 0 0 u u u 0 0 0 0 0 0 0 337 0 0 0 239.l 0 0 0 0 0 0 0 0 " 0 0 0 0 0 0 0 0 0 0 0 0 0 0 G 0 0 " 0 u 0 0 0 0 C 0 0 0 0 0 " 0 0 10, 0 0 0 0 0 0 0 0 0 0 0 0 B13 0 0 0 0 !>)0 0 0 0 0 0 0 0 0 ~3 0 0 0 0 0 0 0 0 0 " 0 0 0 0 0 C, 0 0 ~ https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis OF . 7c, &Al<KS AFHCHD IN STAU ~ 12 ----NO~K8ER RANKS-· -------- - - - - - - - NAME LOCATION DSB 12060013 CONTINENTAL BANK AlHAP1bRA l20b0018 HE:RlTAG[; BANK 120o00-'t7 "110&~1A1E: 8Ar--r.K ANAHEIM l.20bVU75, C.Al lHlkN IA Rt.PUBLIC. &ANK. __ 12oeio1;~ SHA.S.TA C.OUN.IY BANK 12060lb7 C.HlNO VALLEY BANK l2000.l40 CITUENS bl(. OF C.OSTA f'IESA HAYE NO EAR•IINf.S PARTICIPAllllN ACCOUNT OR RlWUIRlO RHlk~l ••LANU HAYE ND REWREO RESERVE ••LANCE BENEFlT JO BANKS COVERED •Y MODlFHD S. 0 ARR.l.lYLI &RANOE bAKt.R~Fl tlO 81.1\NEY CHINO CVS.TA HE.SA 12:DbC,3!10 8A~K Of OUWNE:Y (;OWNEY 12Vt.C,3~3 C.OL0£::N SlATE BANK DOWNEY l20603b5 flRSl 5.H.UKl lY BANK t.LK GkOYE: fORl JONl:S FORlUNA FREHC.:NT GARDENA GlLkOY ~RA~S VALLEY HAWlHORN.f. H,U1f:T 12De.O't'-0 120b044l 12060442 12UbU4!>7 120t: C'tbO 12060'-tbB 120ti0480 llCti049!> 12060,Zb 12(ic,l,5,}!) l20ti1..15-38 Jl0e.C55Y 12 OOO~c,O 120tH)~02 l20bU!>95 12C..b0blAt l20<,Ub30 l.ZOoOo32 120b0b-'t4 1200Cb4~ l.?OOOOOJ 12C,o(,oOS l.ZCrt.JotSO 12000<>80 120oOo9d, 120b(J702 l.Zlx>070J 1ZUo010(> l.ZOo070d l20b\l713 12.0t-0718 l2Ut..u119 l2llblJ7-'t._ 120b07-'tS ll0t.:07So l ) SC.OTT VALLEY f:IANK. ~ANK OF LOLEU fREHC.Nl &ANK REPlJbllC BANK GAY ILAN .bANic. GOLD COVNIRY SANK COM'10NWE:AL TH BANK bANK (Jf Hl:'1E T ••~K bAfllK PAC!flC CIT> HUNllNGTO~ BE~CH Ht.JNllNGTU\I PARK. ClJMHlJNl TY bA,.,,K Of- lkYJNE lkYINt; LA JOLLA BANK 1..lRUST to LA JOLLA tUNI\. Of LA~E COUNTY LAKEPO~l GROSSMUNl BANK LA HESA CUAST BANK LUNG bl:ACH HARBOR 8ANK LI.NG f:.EAC.H Al'H.:.kJC.AN ClTY SANK. LOS ANGELES bANK OF f-lNAlfCE: LUS ANGE:LES CALIFUkNlA KOREA bAt4K LOS A~GE LES _ CALlfOkPdA. OYER5.f::AS bANK LOS ANUl:.LE S CAlHA'f bANi<. LU$ ANGELES Ll:.,..lURY BANK LUS U.ibE.LES f-lRSt LOS ANC.ELES bAN.K LOS ANGtLf:S f-lRSl PACIFIC bANK LOS ANGC LES (..J U10RE CUHH.E.RtlAL £. !l.VGS bKLOS ,_NbHE S lMPl::RlAL HANK LOS ANUtlE S 1,_0tPENIJl;.P-tC.E. BA~K LUS ANC.ELES JA ... AN C.ALlFQkNlA t;A.NK LOS ANGt-Lt S LLOYOS BANK (.Allf-ORNJA L~ ANGELES MANUf-A(. Jl.f(.EKS bANK LOS ANGHES "1l l~U6lSHl bANK UF CALIF Lu$ ANGt.LE S MITSUI bANK UF- CA LOS ANGtlC S llJKAl bl<. IJF CALlFURNIA LOS ANUHES lR.ANS-wmtLO BANK LOS ANG.HE~ WE~ lt:k"t bA'il(,. OF- (.C,MMtR(.E: LOS ANGE:LE::!. , •• 'A f · l ~ 111 TOEP CA CA CA tA CA CA CA CA CA CA tA CA CA CA CA CA tA CA ,. 5790& 3.c:410 H091 bl808 2••73 28560 31201 41761 1364&4 20674 20ob0 20788 47090 34236 46300 l 79ti2 21149 tA CA CA tA CA 31940 31!>2b 2296!>2 21<,t,) 4.t.2b2 27~99 5t,8(>b 4095,b 213b'I 13l.337 tA 2tsl't7 tA CA CA CA CA CA CA t• ~n.t.11'1 (21 Yl lC.~H 375 3"2 .,. .,. ltuo l!>'ob H• 311 2l.t4't •11 ~•7 4::bO 170 390 lObb 316 9> 640 ••• l3b3 .{41 309 S07 .i'Bb (31 NlW 1971 .REQBAL _ . EPA "' 120l 0 0 0 :» 11"-li Ho 0 0 0 0 0 0 0 0 0 0 0 0 l3b 0 0 0 0 0 0 0 0 0 42!12 0 0 0 0 0 0 0 0 0 0 0 0 0 0 u 0 0 0 !>170 ~·· 0 0 0 CA CA CA CA tA CA CA CA 32'1&99 93801 b.CblO 14502.Sb 41!>400 l'ltrib CA lt7!>48 .., 0 0 0 0 0 0 0 0 0 ,., 313B 223 ? ? f:r;,9 I -/ "~ CA 102 528 623 43't7• 0 0 " 0 0 0 -4347 0 0 0 0 !Ob 51/2 0 0 0 0 270 1010bb 0 ~l 70 0 0 0 2:3U .::109 0 u 1593 33077 20114> 0 0 tA 1122 0 3't3 .i:lb 0 CA 12lb.Z "0 0 0 0 0 0 0 0 0 -'t7018 50471 79837 !>225'7 lt:914b 41130 •o• 22• •• 0 0 0 0 0 113 0 0 SJO 27b ,B 0 0 0 0 , .. o I ol OH ,., )-t ~) 0 0 0 0 43b 330 063 3b2 l>I Mw _ Rf;QbAL 0 0 0 0 0 40.t: 80~ 1309 124b !>127 71< 90 Sl>l 24~'1 l>Ol 51So Slb~ 5139 2~7!lo 30"3 0 0 u -~t'I 0 0 0 0 0 0 0 0 0 0 •11 0 --.11 0 0 0 10!>!>9 -10~~9 0 0 -49t.4l 0 u "%"1 1!>4-'0 l!>t!S ~-~ 14.t -l~-4,a, -1 ~t ':> -~ .... ~ 2'4 0 -1 .. 2 0 4'7 0 0 <, ~ https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis - BENHIT TD BANKS COVERED BY HODlfHD NONHEHBE.R BANKS s. Ill DSB NAIIE TOE:P LD~ATIDN l20b0800 tlNHR STAT• BANK HODES TO lZOb08eO NAPA VALLEY BANK l20t08b't Al1t:klCAN STA.Tr:. HANK l20b088S BAl'iK OF NE:MPORl NtWPORl BEACH Nl::WPOkl Bt:AtH -~ 120b09'r2 FlRSl f!ljlt.RPRlSt BANK._ l.20bl010 bANK OF A Lt;VY NAPA OAK.LANO OXNARD PALU ALTO 120bl0",8 CAHlNU-CALifURNIA BANK 12.0blObO C.l tH lR(.~V'C. BK Uf, PASAOE:kA PASAOi:.NA 120bll18 VAU:.NtlA BANK PLAC.E:l'iTlA 12.0bllbl t,,iUR111 VALLEY BANK REOLIJNG 12Ubll6b bAf'tK Of R.E.OLANOS. RtDLANOS RJChMLJNU 120bll80 HE:C.HANICS BANI<. l20bll90 BANK Of RlO VISTA RlD VISTA 12001220 FU.ST CllY tlANK ROStMEALI RUSE:VlLLf; 12001230 t l 1 UENS bK OF ROSEVILLE 12001250 CAPllOL 8Ar<i!K Of COMMEkC.E SAtk.AMENTO ___ l20bl2b5 RlYf.R C.llY BANI\. SACK.Al"IENTO 120bl32b PENINSULA BK Of SAN OlE:GO ~AN OIEGC, l20bl33Q SAN t,ll:GO TRUST L SAVINGS eKSAN OlE~O 120bl395 AME-RIC.AN ASIAN bANK SAN FRANCISCO 1206.1420 BANK Of LANTON Of CALlfORNlASAN fkANt!SCO l20bl't30 BANK OF MONTREAL CALIFORNIA SAN fRANtl~CO _l20bl432. BANK (Jf lHE ORH.NT SAN fRANC.l~CO 120bl't34 BK Uf TRADE Of SAN FRANCJSC.OSAN FRANC.IS.CO 12(1b}'t37 HARCLAYS BANK Of CALIF SAN FRANCISCO SAN fRANCl~CO 120bl't40 CALlfURNlA CANADIAN BANK. 12Uol44l CALlFORNJA flRS,T bANK. SAN FkANClSC.O. 120bl,.43 Ct-1.U,TEREO BANK OF LONUON SAN FkANClSCO ... 12:Cbl't'tb COMMlR.C.lAL BANI(. Of SAN FRAN SAN FRANCISCO 1200145"1. fRUtC.H BANI(. Uf- C.AllfUkNlA. ~AN f-RANClSC.O l20bl4b0 HlblRNlA BAN¥r. ~AN FRANC! 120bl'tb!> H0f1(al'..lJNG bl<. Of· C.ALlFOkNlA SAN fkANC.lSC.O 12061473 PHlllPPlNE BANK OF CALIF SAN FRANCISCO ll0bl't7!> f'<HhUJOD BANK SAN FRANC.IS.CO SAN FRANCls,o .. 120bl'•83 SANWA bK OF C.ALlfORNlA l20ol4S5 SUH11UHU bANK OF C.AL lf-ORNIA SAN FkANCJ Stu l20bl't91 lOR~TO OUMlNlUN BK. Of- CALIFSAN fkANCJSC.O 12001489 WESHkN bH.AOfOkO lkUST (.0 SAN f,-kANC.lSCO SAN JDS.I:. 120b 1525 CUMHUNl lY ~AI\K. OF SAN JO~I: 12061532 PA.CIHC YALLf:Y HANK SAN JOSE SAN LUIS OblSPD ~ 12001548 t-IRST Ct.NT~AL CUAST bAM 12Uol~55 BANK OF MAklN SAN RAFAEL 12Vol597 WE:.!.TLANOS, BANK ~ANlA ANA 120olOl0 bANI<. Of SANTA CLARA SANlA CLAkA SANTA. MONlC.A. 120blb10 S.Al'ilA MDNltA BANK. 120blb87 BANK Of SONOMA COUNTY $ANTA kOSA ~co CA CA CA CA CA CA CA LA CA CA CA CA CA CA CA 'A CA CA CA CA CA CA 357bd 318b9 3~07l 9.4tb70 22314 187290 2251b 22541 502:2b 3ll5b 2237't 223740 lClf.177 9ll't0 2b032 3bQ28 62048 21090 't22435 2302't 1511!58 554'12 '2/2:t./79 U 121 VL 1(.!.H 955 129 1•• ••• NlW HA 0 0 0 0 140 I) 2~13 0 0 i33 21<> 53• •~1 2•b 21UO 122 0 0 0 0 0 0 1337 0 2,9 11, 1558 112 0 12881 ~9 ><> 1<>8 0 0 0 0 0 0 0 CA CA -~b 0 10305 13< CA 515121 5704t CA ;4tl2 lO 1927b53 2~2' lbl 31!,.50 78bb'I 40448J. LH1't4t 13&09 lO'slObO 272371 100~886. 2281 0 0 0 20'J37 0 CA CA CA CA CA CA CA CA CA CA 14b12 3.t:~1 0 0 0 0 0 115207 201&2 lb3l90 CA 6'tl 1b 0 0 0 0 -1 !>12,J -7Li;J -71.,.,,d -;l!:-'.:>'t 0 0 0 130 10.tb 1400 "' 31' lblb llOu 0 0 0 0 0 -3~"e -~ 17~ 5l 7'J 5l'lb !>141 ~00 ~3-' 0 ~11~ 42!>7 151~0 7lbl 703.{7 :,b51t· ., 0 7l't0 3lb 0 0 --• -.:110 0 0 Ubl 340~1 -e;tbl -.HO~l 0 0 0 0 0 -11 t.J 1l0 -uu 0 u 51 l~ ;c~e 0 0 -ot!.e 545 . -7h0 C, 0 0 0 0 0 1170 ~ 0 0 0 0 5252 . 0 0 0 0 lib 0 0 .. -IOU 0 0 217~ 5•• l 1002 0 ll H• 0 0 25'93 19'19 lbb't 1611 !>O't'I 3003 4 33i't3 ~l3b 522~ l36'il 172 5b01l CA CA CA 0 0 • 0 0 0 144':19 bl578 29579 32'9b3 181187 0 0 0 35,.t: u lb 0 0 0 0 0 0 C -1~4 0 l'tl H3 0 5053 0 4<Jl3 c:,:,:i, 11bl 0 lol L•lF (:,1-151 !>119 24 2070 0 HO 0 b49 I 51 Nlw kl:QbAL 0 0 0 0 15• 0 0 0 0 0 lOb~ 0 0 ,01 CA " 0 0 221 22tJ7 0 5101 123 'A CA CA CA ,., 131 1911 Rl;QbA.L 0 . .. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis BSNSFlT TO BANKS tOVtHO BY HOOIFHO S. 85 - - . NDHK~MR BANKS II J OS~ NAME -· -~~~~ -- l2.0blb90 12001730 120b 1709 l20bl770 EXtHANGE: 15ANK HOME 8-ANK. BANK OF AGRltUL TURE ANO BANI(,, OF STOCl<.TON ___ l20bl1b0 UNJON $AH. lH:.POS.lT SANK. TOSP LOtATlON OF YA.CA VALLEY ijANK. SOUTHWEST BANK AM.t:IUC.AN BANK. r.. TRUST to bANK UF CONTRA C.OSTA 8ANK OF ALEll BRUWN 6A~K. OF WILLJTS (3) 1977 Rt"bAL SANTA ROS.A CA CA SlC.NAL HILL c.a .... s TOC.K. TON CA SlLl(.Kl(jN CA tA CA CA CA CA CA CA CA CA CA SIOC.K.TON VACAVILLE Yl5. l A WALN.UT C.REE.K WALNUT C.REE:K WALNUT C.ROYE. WlLLlU lOb BANK.S AFFE:C. TE.0 IN STATt - 1•• 112 91333 21791 l09tilb l.(b~b~ Jt,'Jb1 5-3323 7225-b ... .,. 16H 17ts9 lbb"' 1000 »• 12.C:S 37233 bOI 1333!>4 l~lb:> 27b38 5191b 2214 lbbltb llb 34b ••• 33• 0 0 0 0 0 0 0 0 0 0 0 0 0 0 ....•••,., ( >J ;a ~100 l'l'-.:J .,, (I HI 371'9 l•O Y3u •••0 35-~7 C 0 ••1 0 HAVE NO EARNINGS PARTlCIPA.llON AC.COUNT OR kUMJlRE.O Ri:SE:RVE: bALANC.E: HAVE. NO R~UUREO RES~RVE BALANCE u "0 0 0 0 co LO to co co co l302b 35926 3lt2lt.t:: 5't!).l3 2b8l 7 >1526 to 2!>4:io co co to 1 eo5~ cu LO to to co to to u, to co co tu to to lOVbl 230;::4 bb!,S1 3l 7bb lb751 3!,3!>4 2f:12't2 3!>lbb 2't3b8 7:,321 80bbb bbb&'t 2:!,b33 :3,bl!,3 3blf:lb 50117 293 ,.1 &1b 7<1 43> 1010 bUO 130 0 0 0 0 0 0 ..,.. 310 l-'b!> !)bb , :,,-9 743 407 0 0 0 blO 0 2>D 0 0 0 0 0 0 0 0 0 0 " " G 0 0 0 0 0 0 u 0 0 u 0 136 0 0 u "0 0 0 0 0 0 0 0 0 0 0 0 0 0 l30b l9ti3 0 3-, bll . . 0 0 0 0 0 0 0 lOltO 0 (I 0 Db 21, -'-t .. l -1 .. 0 0 0 0 0 0 ----------- llS 101, 7b7 <70 !>, v 0 0 ---------------- 0 J-( -d 0 (I u 'tlMt H AkAf'AHOE BANII. ANO TRUST ARAPAHOE COUNTY ARVAOA STA.TE BANK ARVADA. &ANI\. OF ASPtN A~PEN PE.OPLES BANI<. f.. TRUSl C.O A.Uk.ORA AU~URA UNI ltD BANK UF AURORA U~IH.O bANK. OF tSUULOE:k blJULOl:R BkOOMfl ELD UNllED BK OF bRUOMFlE:LO BkU!,H FAK.1'11:RS STA.Tl: BANK. OANK. GF OUU(.LAS C.UUNT'f' C.AS TLE ROCK AMcfotlCA~ 1-tEl-tlTA&E 8K. f.. TR C.OC.OLORAOU ,SPRINGS Cl:NlkAL COLOkAOU bANK C.ULURAUO Sf'RlNGS Ui"tl HD BK Of, COLOk.At>O SPGS C.OLOkAOU SPRINGS C.lllZE:N~ S.TAlE bANK. C.CA lE.t MOH·AT C.OuNIY STATE bA.NK. C.kAlC. C.UlUkAl.10 B'<. C. TR C.O UE.L 1A 6At-lK UF LltNVtR lilNVlR C.E:NTUkY bANi<. AkO lRUSl lJl:.NVt::.R C.OLOkAOO SlAH. bAM Ot:NVE:R GUARANTY bANK. ANO TRUST COHPVENVt::.R [JE.NVC.R MOUr-.TAlN STATES 6ANK. Ml[> ~lAH~ bANK litNVE:R l,lNVE:R NOR 1H [JtNVt;R bAhk C.IENVE:R SUUTH-.ESl STATE: BANK. UE:NYEk UNll.JN 8AM L. Tk.U,U (bl en NtW kt;QbA-L 31 ----------------100b0034 ... lOC80038 l008C,050 10080077 lVUb0079 lOOBult.6 10060133 10Ub01"10 1008V2 l0 lU080244 lOOSOl4!> lOObU~9b 10080.:t,OO lOC.bOllO 10080340 JC.,O:Hl3!>2 l00bo,J3bl 100tli0390 100ts04'!>5 l00bl.l48!1 10080489 lOOC04':tS 100&0497 10080.500 (2) VL TC.SH ·- 1200185-2 E-LUUkAOO BANK TUSTIN 12C.bl8!tb SAf,,,llAGO t:lAl',IK TUSl IN 120cl8b0 SAYJNC.S BK Ut- MENOUC:IMl tTY UKIAH 1200188!> lZOt.1922 120bl~2At 120bl9lb 120bl~30 120bl980 2/ll/19 13 lb 0 0 " bv<> 0 0 0 0 0 v 0 "" 0 0 0 0 0 0 0 0 0 0 0 0 u C, .. .. ~ ~ 0 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis e-• NONMEMBER BANKS o~a NA.KE 10080528 BANK Of OURANuO 100~0737 l008Gd20 l00b0926 10081015 lOOblO,o 100blU1'10081095 lOU8lll~ 10081290 1008 UOO lOOtslJOS 100dl't23 Of SANK Of GLENWOOD UNITED 8ANK UF GRt-.ELE.V (HATHELO BAl'-.K JE:ffCR~ON BANI'.. C. lkUST. C.OP1HE.RC.1AL t:U~- Of LE:AO-.,llLE UNITEO SANK OF LlTTLE: 1{.,H U~l TE-0 bANK Uf LUNGMUNT HOMt. S.lATi:. t.\ANK. MlNNt:QUA. 6ANJII. PUtblU 1:SANK C. TRU.H C.O UNIH:U BANJII. Lf PUEBLO SAN!( Of VAIL 2.lll.119 BENE.flt TO BANK!.. C.OVE.REO BY f1001FlE.O So. 85 1 ll lOoP LOCATION DURANGO GLENWOOD SPRINC.S C.REELE:Y JEFft:RSON COUNTY LAKEWOOD LE:AOVlLLE LITTLE fON LL.INC.MONT LUVl:.LANO PUE:bLQ PUE:aLO PUEl:ILU VAIL 31 ISANK.S AFFE:.tU:O IN !)TATE: 2' 13 co co tu co co co to co to to co co co 231.,3 lbb81 !>!iS41 2211, 1136b0 17437 4'1&33 1935b 21772 4~?3't !i'tbbts 32121 l2&9Y 121 VL lC.SH 355 2:t.L 311 '"' 79£ 288 •63 ,,. 131 1971 RE.QBAL 0 0 0 0 0 0 0 0 166 ·o bbl 0 0 0 0 739 3S9 1121 ,., NlW HA '"' I 51 NlW llE:QbAL 0 0 973 0 3636 0 67• 0 0 1'3 616 0 0 Cl> U)-(5) 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 HAVEc NO EARNINGS PARTICIPATION AC.CLJUNT OR IH:WIRE.O RE5,EkVE bAL~tE HAVE NO RtQUREU Rl:SfRYt:: 8ALANtE: ________ _________ ,.. 204'0093 2090115 _ 1091..1.2.0!, 2090270 1090,.bb 10411.l'-70 20'fo,oo 1090!':123 l09J~30 1090585 l09UbbS 10',0llO l0907UCI 109V960 1091070 lC-11110 1091131 1041198 l09ll25 209\2',0 _ 1091330 l09l4l0 2U9l'w'w0 1091 .. 50 l0':ll4b0 tllYTRUSl BIUOGEPCJRT LAf-AYETTE SANK ANO TRUST CU l:IRlOGE:PURl CHt.)H.R ISANtC. LHl:.!)H::R l.lA"-SUkY eANIC. (. lkU!)l tOMPANYDAN~UkY CllNS bK (. TC OF C.LASlONSURYbLASlUNBUR\' GLASlUNblJkY BANK ANO TR CO &LASTLNfSURY PUTNAM lRUST CLJ &REHtWlCl-t t..HARH:R OAK bK• C. TR CO t-tARlfOR-0 HARTFORD CONSllTUllON ISANK. C. lR to GUARANTY bA/IIK C. lRUST tO HAR lf-ORO HARlf-URO UNI 1£0 SANK ANO TkUSl tO S.lllSHURY BANK L lRUSl lO LAKl:\/lLLE HOME 8.\NK ANCJ H<,UST COMPANY 1"11:RllJE:N fiE\il bk.lTAJN bANK ANO lR C.0 BRIT AlPt F-IR!JI bANK. N.EW hAVEN SEtm40 Nl:l'i HAVEN bANIC. NE:W HAVl:N U~lc.N TRUST COMPANY Nt:W HAYl:N NE:W MllfuRO BK ANC, TR to . Nf:W Mllf-OR.0 COMMUN.UY dA.NKINu CO NO\ 1H BRANFORD JrllE-kC.HANlS BANK A.NO lRU~T CU NUkWAlK PLAlN\/lLLE lkU!i.l tOKYANY PLAINVILLE SEYHlJUR TKUST CLMPANY S E:YMCJUR SHI:: L lON VALLfY BANK. • TR C.O SlMS!:;URY BANK APIID TRU!i.T C.O SlM~bURY SOUTHlNGlON tsANK C. TRUST C.0 SWTHlNGTON '"" Cl Cl ti Cl Cl Cl Cl Cl Cl Cl Cl 'tb72b't b8723 24t't3b 2bb8b 30l"b 4tl399 15!>l7~ 334Eib 39~t;,l 33"b"' lbbb93 lbbbb b4907 Cl Cl Cl Cl Cl CT 35':tb9-'I 2ol<J37 807163 Cl lb'-3" Cl Cl 45bbB b4l3b .3907.C ti tl Cl Cl CT t,t,:,)c, 35101 17733 55"11 H218 ... 0 !,)32 lCHbl 0 0 993 0 bS• Hb l!>b-Ct 0 0 0 0 0 0 0 37 ·•9 0 0 7429 J!,1,11 156 ,9s 51b 2b!,2: Lb"t l'tOl 1131 Bb"'- 0 bb~b 0 0 0 177-'.l L8d 124.J J:,79 8>3 120 3'11 bbl ~» 0 0 0 0 " 0 0 0 0 0 0 I Ob 5,1.:;7 0 0 0 "B~b 0 822 Hb1 ~11" 5105 ~240 0 0 1134 0 0 0 8b< " "0 0 0 177 0 0 0 " " 0 0 5'15 -"IC:'i~1 0 "0 0 -177 0 0 0 "0 0 C -~ .. l~ 9u -'-f,t_.t:_ 215csl -2l~a 0 0 0 u 0 0 "0 0 0 "0 0 0 " 0 ....~ https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis D!>B NAME Ill LOCATION FlRST SlAMFURO BAfrrtK t. TR CO TE:fi.kYYlLLE: TkUST COMPANY C.OLONlAL bANfC. ANO lRU!l.T tO MATTA.lUC.K SANK t. lk.U~l t.0 SOUTH WINDSOR SlAHF-lAO StA.MF-UkD H.RR'VVlLLE: 16 12 3,'t SANKS AfFf:.C.TE.O lN STATE. _.31000~0 fAR'1E.RS SK OF THE: ST Of DEL DOVER 3100145 3100180 3100260 310032.S 31003b0 _3100385 3100410 OF SUS.Sl::X TRUST COHPANY P1IlfURO lRUS.1 COMPANY BAL Tlflll01U: TkUS. 1 COHPAtiY BAf.iK OF OE.LAWAkl:: OE LAWARE: TRUST COMPANY PEOPLES BANK. t lkUST CD-· WILMINGTON lkUSl COHPANY 1977 20517 l095b7 3437~ b30 l3b7 0 0 0 0 "' NEW 151 lbl NEW Lllf ,ao 0 0 0 0 0 511t._8e0b 0 2105 0 10b 0 0 0 0 0 0 0 Cl CT CT ______ o ___ 0 0 0 0 0 2:800 0 , .. ..• .. . __-eevo ____ 0 0 0 0 _ HAVE. NO E:.ARNlNGS PARllClPAllONi AC.COUNT OR Rf.QUlkE.D RE.SERVE. bALANC~ H.\VE. NO RE.QURE:O RESERVE. BALANCE -------·- ----- 8 BANKS AFF-1::C. lED IN STATE DE _____________ ___ 31H91 79261 H!&2'°' 4820b 524!184 43b402 2567b __ 882559 b306 1033 200 8'7 80Hl b0.8 n5 811!, D 0 0 0 0 0 o ___ 0 )lbO 1090 0 b193 0 0 0 .-t,,793 )315 !,1!>7 0 !,341 13511 -13511 10183 0 35569 -10183 •o 0 0 0 0 -~35569 •• ---·--- HAYE NO E.ARNINGS PARTICIPATION AC.C.CJUNT DR Rl::QUlREO RE:SE:RVi: bALAN.CEHA.YE NO RE.WUREO R.ESERYE:. BALANCE -------- 5110070 1NOUSTR1AL 8K OF WASHINGTON WASHINGTON l 131 Vl TLSH l ~4~9 571 -'•~3184 ___ 7976 573~b 1031 &29~'1010 &,9 553bl 21022 2&1 LAUkt:l OE P1 ILFORO OE SH6YYILLE OE WlLMHHi,H.,.. OE WlUUNC.H.1N OE HllMlNGTUi ________ DE WlLHlNGTON OE --------OF CT CT CT CT WATLRBURY _ _ _ _ _ _ Cl. t1 WAlt.kbUkY NES lPCJf,1.1 WlLLIMANllt 209lb00 WESTPUkl BANK t. lRU~T CO l09lbl0 WllllMANllC TRUST COMPANY 1091882 ~ORTH AMERICAN bANK. & lk. tO WULC.OTT OF 121 TOE:P _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ l\[QbAL_EPA_Rl<lbAL __ l 3 l - 1 5 1 _ _ 1091505 SOUTH WINDSOR BK £. tR CO 2091~28 FIDELITY TRUST CO 2091!>30 l09lbl0 .......1091740 1091755 _2/22/79 _ _ __ _ _ _ _ _ ____.,,ENEfl'LJO_&AJ'IJ<S toVER.ED-BY_ MODIFIED S.-B5 _ _ ----t<ONIIEIIBER. BANKS __ _ BANKS AfFEClE:O IN SlATI::. 49730 DC 124b 0 HA.YI: NO EARNINGS PARTltlPAllON AC.COUNl OR Ri:.QUlREO RlSE:RYE Q __ HAYE NO Rf:QUREO RE:SERVI: 8ALANCE l 0 0 0 0 0 0 0 (I 0 0 0 &ALAN.CE: -------------------·-------_ bl20030 6120042 bl20050 6120000 ST A lE BANK OF APOPKA FIRST SlATE BANK OF ARCADlA SUN SANK OF AUt!oURNOAll AVON C.l TRU~ BANK APOPKA ARC.AUlA AU6lJRM>ALE AVON PARK FL FL 38&4~ _ FL fl ---·------ - - - - - - - 15103 24140 25939 0 0 0 0 0 0 0 0 • ---~--• •. ~ ~ ~ https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis ---BENE fl T TO_ BANKS CO~ERED .BY .KDDIFleD .S. 8~ ____ ___NQNHEMBE.R. BANKS 11 I DS8 bl200bS 612007-'t b 120076 b 12C.079 _bl20090 bLC:0100 bl2Ul0!» 6120125 6llul40 61..'./Jl'tl _6120155 0120157 bl20lb't 61.C:Ul 7!> blll.111/0 6120197 61ZU196 61201'19 bl2Vl02 b 12U.i.04 bl20.l3b b 12 02~4 _ bl2U257 bll02b0 b 120:t:b!> b 1.::0290 bl.t:0.:''12 b l202'J3 blLL.::':l'-t bl20300 blL0.304 6-l2U33l) bll0331 6120335, _ blLU3~b bl2V3bS 01.to.:no b 120382 6120395, bl.::0397 _ 6120400 b l~Ult3 l b 120441 612044'2 b 12U't43 b 120449 NAME ••N>< "' ..... "" 131 ,., ·~· NEW NEW VL lCSH 1977 - - - _______..R.E.QBAL __ E.PA __ REQBAL TDEP LOCATION CITRUS t. CHEHltAL HANK 8AA10W bA.RNf;Tl BANK Of BAY SHUR(; HAYSHLJRE GARDENS BA.Nie. OF- BEI.LEYlEW SELLEVll;W BANK Uf BELLE: ~LADE BELU: GLADE ELLIS bANK OF bLOUNTSTOWN BLOUNTSTOWN_----· BANK (IF BONlFA.Y b(llilf-AY F-lR!,T si-;.&.Tll Of PALM ,bCH CTY BUYNTUN BEA.CH· (\RANUU1'1 STATE:: HANK &RAN LON HERMNOO STATE. BANK 8ROUKSVILLE BAkNUT BANI(. OF- JACA.kANOA. bROWA.kO C.UUNTY FLORlOA. BAN!<. AT bUShN.HL bUSH~E.LL CAPE CORAL BANK CAPE COkAL CUHbA.N1<./CASSHbERRY CASStLBE:RRY Lt:VY COUNTY STAH f:IANl'f. CHI E:flANU bANic. UF C.LEAkWATER CLEARWATER COMMUNll'f 81(. OF- C.lE:AkMAlE:R CLEA.RWA. lER CLEAKWATl;R CLE:AkrlAH.K bE.ACh BANK. ·----·--EXCHANGE:. b!.,TC Of CLEARW ... TER CLEARWAlER FLOR!OA bANK. OF- COMPH:kCE CLEARWATER NORTHtA.ST BANK Of CLl:ARMAl tRC.LE Ak'rlAT l;R bAl-i.NE:lT i;ti,, Of CULLl ER C1 'f C.OLLlt:R COUNTY C.URAL (;.AbLES SUN bA~K UF MlAMl 8ANK. (.if, CU~AL s.-RlNL,,S COM.AL SPRINGS ___ f-LC.SHP PPLS bl<. UI- CRSCNl CY C.kESCl:NT CHY CRY HAL RI Vf::R C.RYSTAL Rl'/lR bAf-.lK DADE CllY BANI<.. OF PA.SLO C.UUNl 'f SOU THE AST 8ANK. Of- DA DELA.NO UA.OE {..OUNTY DADE COUNTY SK YLAKE S,TATE bAfllK HlAMl LAKE:S flR!ll .ST A lE bANWALJE:. COUNTY UANlA llANlA BAIIIK BAkNl::.tl &AIIIK OF DAYTONA. Btt1 OAYTOIIIA. MACH DA'fTUt>IA bEACH f-LORlDA ~ANt!,. f. lRUS.l co DAYTONA bEAc.H SUN bANX. OF VULUSlA CTY SOU THE AST Uf- OE:ERFlf:.LO UEEKFlELO bEACH UE:.Ek.flE:LO BE.AC.H STATE BAM IJl:EKF-lELO ht.A.CH LAhr.0 OE LA.NO Sl1'll: bAhlK OC LA"40 FLORIDA DANt<. A 1 OHANO DEL lCJIIIA OELTIJNA SUUlHEAs.1 BANK UV"'NELLUN OU ..... IIIELLON STATE BA,...-l't ENGLEMOUO EN~LtllllUOO tUNK ANO TRUST E:.USTl~ All.Ar.it lC. BANI\. lJF EUS Tl!, B4kNE11 EIK Of FT LAUOlROALE: J-ORl LAUDERDALE: fLDRlUA bA~lf.. A 1 fl LAUOEkOALF-URT LAUDE ROA.LI: fUk T LAUIJEkDALE Uf. BR0MAk0 SOUTHf:.A~ 1 SE bANK (Jf (,ALT OCEAN Ml LE FUI< T lA.UOER.OALE SE i::VE:til.GLUS bK. C,F FT LDkOLI::: FT LAUDt:RDALE C21 UlU19 _ _ _ _ _ --------·-·---- 36785 FL FL FL FL FL FL FL FL FL fl FL_ FL fl FL FL fl fl FL •L FL FL FL FL FL fl FL fL FL FL fl FL fl FL fl FL FL FL fl FL FL FL fl 53'> 't97B9 533 264 2312U l6bb0 450 189&7 . --- 337 18081 22~ 1'922 137~01 46, 3'953b -'t334b 600 21947 364 _ 18187 5;0 12034b 640 37blCJ 236 404 18911 120670 1311 l92b0 250 25~1'1 340 57092 772 343 173~2 233b0 382 26590 .,. 2.425-00 -------------· 25082 187.i::l 20323 501107 41451 22't20 2362~ l lb80At 'tb308 833!>1 6641b 88164 24256 3701b 2 9987 19712 617!> 16010 473 53022 3!>5!>0 --34-116 bl.1 393 --- ·-·~---------- FL 36724 FL FL FL 2630.£ 't-2400 501tl5 819 445 56' ,19 4.10 2~3 644 bbb lb2 0 281 0 0 0 0 0 0 0 .. -0 0 2852 0 ~2 0 32 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 --- 0 0 0 0 0 0 0 0 603 122b 0 23.10 1&83 42b 0 0 0 0 0 493 1002 b-'5" 721 .... 4W 3SO 5b2 0 . 0 0 0 0 0 0 0 0 2192 1&9 0 29BIJ 0 0 493 0 0 0 5065 0 0 0 511 ""' 0 0 3320 117 5H 801 1'957 0 0 0 0 0 H7 0 18b 31 9 ~18 11~9 0 0 0 0 0 0 H7 0 0 0 0 1003 0 0 0 0 0 0 0 0 0 10&0 0 0 0 0 0 0 0 309 0 0 0 0 0 0 0 0 0 0 0 0 0 0 161 GIF 131-U) _ _ _ 0 0 0 0 0 0 -557 0 0 0 0 -1003 0 0 0 0 0 0 0 0 0 -10&0 0 0 0 0 0 0 0 -309 0 0 0 0 0 0 0 0 0 0 -- a 0 0 0 0 a 0 0 ..•• ·--'-.... .. ..• ..• ..•• ..• •• . ..••• ~ https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis _ _ NQNMUIBER BANKS ·--- _ ENE.Flt _TQ __ SANK.S C.OYE.RED BY 110UlflE:U s .. (I osa ---- ------~·-6l204ab2 bl2!Jlt70 bl.20480 b l204b3 _6120485 bl2Ll~l4 bl2U530 blLU5~b -------- -- - ---------- FLAt.S.HlP eANK OF FORT HYERS FORT Mn.Rs FL FUR l MYtRS lE:E C.OUNTY BANK FL !»UN BANI'. OF Sl LUC.IE. C.OUNlY fUR r 1-'lf:.KC.E FL BARNt:. 11 BANK OF FUR T lolALlON FOR.I 1,jo\L TON BEACH fl flR.!:»T CITY 8K Of FT WAL TUN f-CIR T WAL TON 8.E:ACH __ FL sut-ii llAJ\iK OF LAlt-lU,VllU: C.AlNi:5VllLE fl bA~t<.. OF ~E:E:N LOVI:: 5PR1Nt.S ~RECN COVE SPUS fl ROYAL Tk bK UF !:»l Ptlf:k5bUKGGULF POk T FL F-LAC..SHlP bANK UF HAir-.cs C.l l'fHAihlES l.lTY fl bA~I(. lJF HALL ANO.ALE lR C.O HALLANDALE FL PO PUU,R BANf.. 0 f- HlAU:At! HIALEAH fl HlAUAH-HlA~l ~PRC.S f-lRS l STHlALCAH fl NLJklH HIALEAH FIRST STATE: MHIAU:AH ~L &AkNE.1 T bANK. Uf- HOLL YwOOO HULLYl'IOOO fl THE 1 SLANU BANK HOtMf:S bEACH FL SOUH,EA..ST Of- HOLLYWOOD HULLY9'000 fl bl2U5b0 0120563 _ bl20~b7 bl~l.15,75, 6120578 01205&1 bl20592 b 12 0593 HLlMESTEAO ______ _ bl2C.i~98 eARr-..Ut t:,AN~ Ot- 11U1t.S TE.Al> lhVtRNESS 6120610 BANK OF lNVt:kNt;S!:» JAC.K.SONVlLLE bl20bl5 AME:RlC.AN bEAC.H t:,LVO BANK bl~Ob2b Al LANT IC. bANK. UF- SPRlt-AGF- lE LOJAC.ie.SONVlLLE bl.::(Jt,27 All JACK!-oONVllLE LAl<E FOkf:.S T 0 l2Ut.irn UL b< SO JACKSLoNVlLLE JACK.SLJWllLE _612U:i29 All bi<. \,j JACl'\SUNVILLE: JACKS01'4VlLLE _ _ _ b 120b.j8 BAR.NETT BANI<. OF HUKRAY Hill JACKSD",!Vllll: JACK~OOV lLLI: b 1£0639 BARN~ 1 T eANK. Of- RE:Gf:.N<..Y JACl(~ONVILLE b 120b4l bAkNf:, 1 T bANM. Uf- SAN JUS£: 0l,W04~ Fl~~T GUAi\ANlY JAC.N.SUWllLE:. Tk CO "' & 612 0bb2 SE FlkST bK UF. JACKSUNVlllf: JACKSONl/llll: . bl2Ub7~ FLC.~HP Sl SK. OF JACII..SlJNVlllEJAC.l(~LoNVlllE: _ _ _ _ JACK SONY IL Lt: bl20079 SUN tsANK OF JAC.KSU';V l LLE Jt:NSUN Bt;AC.H bl20706 Jf:.NSE:N &EACH BAh:K N.ENOAU bl2C,707 CQMMEkC.lAL bA.~!'. lJF M.E:.NtJALl 6"120709 KE:Y bl!:»CAYNE BANI(. r. lkU~ T (.(JKl::V t,lSCAYNE KEY HE:Sl 012071~ tl.l:'f' WE:ST STATE; bAf-.1(, N.1SSH1.Mt.E 6.li:0718 E:.XCHANGE: 8AJl,jK Of QSCt:ULA bl20730 HAG.SHIP 6A.N,.;, OF- LAII.E: ALFR.WLA"-t: ALF-RED b 12U700 S l Alt:. EXQ-IA~GE bAt(K LAKE C.l TY LAl(,E:LANO bl2U7b4 bAitNlTT bll. OF LAKHAND LAl<.f.LAND 612018~ lMPE:klAL BANK Uf LAKE:.LANO LAl(,£:LAND 61207'70 Pt.UPLE: S bANK OF LAi<.tLANO _ bll:G19!1 FIRST bANK OF LA.kl: PLACl U LAKE: PLACID _ _ _ _ LA.Ki::. WALES 6120b00 ATLANTH. bf.T OS LAKt: MALE:S LANT ANA bl208 l2 FI K~l Sl ATE DANK. LARl.0 6120&13 flAN~ OF- lNOJAN RlJC.KS LAR.L-0 0120814 AlLANllC. bANK OF- LARC.0 bl2Ubl5 SOUTHl::AS.T Fl RS. 1 Bt<. Uf LARGO LARGO • ··"' "' l TOEP LOCAllON NAME fl fl FL fl fl fl fl_ _ _ _ ~ - - - - - · ~ - - - fl FL FL FL fl 3At230 16-5732 bl003 22685 es------ -- ---- -----12) --- ,,, 131 1977 NEW VL TtS.H .. -· _Rt.QbAL __ __ EPA ,92 1639 2753 11, 23bY2 ___ 331_ b90 57' 5,2 ,s2 28813 4413~ 27ti42 24t,32 0 119 0 738 0 0 0 0 ••3 0 0 0 0 0 0 0 0 ___ o __ _o ____ o 83804 1208 0 0 0 1912 2.'tl3l b9l lbb2 0 0 0 0 ---·-226b 0 l020b0 .3llV4 88443 293b't 72170 5,ii::009 5>004b 10478 910'98 3940't 30073 4C:Qb<,l 57295" 278tl 32091 30395, "t3313 lt92.93 fl - - - - - - - - - - - 40079 ~L fl 33740 491:H fl 31539 fl 27bl0 fl fl _ _ _ _ _ _ lb5U 1!)1~9 FL 't5<Jb3 FL 40018 fl 38307 fl fl 4! l 1713 F 24157 274~9 FL Fl 3441-' 5,5880 fl FL 3399" fl 80422 62"t 2412 b59 0'2 ••9 723 391 91' 439 ... 503 957 ,3. b22 37• ·O 0 0 0 o __ 0 0 0 0 ··558 ,11 2591 331 829 023 973 928 2133 0 0 _o 0 0 0 0 0 0 0 0 0 0 0 0 0 0 57l 202 0 1855' 74 0 0 600 lO•l 32.'t 0 b83 198 0 --- 0 0 0 371 41 0 0 0 0 0 0 0 0 0 0 ··-- 0 0 0 0 0 0 0 0 o ___ 0 0 0 0 0 0 0 0 0 0 0 o0 _____ 0 0 0 0 0 0 0 0 0 0 0 978 ➔ 78 0 ---- 0 0 0 0 0 0 0 ~1"16 0 0 312 0 202 0 0 0 .• ...• "'-.•• .. ... ..• ..• ... .•• -·-.•• --·--- --·-- 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 --· 0 0 0 53 ~53 0 .-a 0 0 0 1990 0 0 0 -119 0 0 0 10, _____ o ---· 0 0 0 19l ________ 0 287 0 0 791 0 b'l 237 710 ~•5 25, cs, (bl Olf NEW REQbAL_ 13)-ISL _ _ _ 42t>9 0 0 0 2 ✓ 22/79 0 ~~-- -~ -- ---.--. 0 ·----·-------- ~ .. . _ N0"'4NEM8ER BANKS ________ ~ ____ "----·--BENE.flt- TQ_ 6AMK.S,_(.QVER.EO-BY_J1QOlflE.D ~ 0 Ill OSB ~ https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis NAME bl.d092 0121120 614112S b 121138 6121141 61Lll52 bl.l.1160 b 12 l 11 ~ 6121177 6121 lbl 6121185 6121.i:OO __ bl2U0b 6121207 61Lli09 6121219 6 lt: 12-.2 ol.:'.11!4.) Z/22/79 8~ (3) 1977 (2) VL TC5.H __ RH,BAL_ - 6120616 SUN BANK UF LAUDERDALE BEAtHLOROLE BY THE SEA 6120iH7 bl2Cib2:3 6120830 __ 612(.,jj43 61,{.vt~~ 612u867 Ol2Do7~ 6ll0680 Ol~Ca~o _ bl2C.90!> bl.£0'706 b 120'107 612 C,920 bl2G92~ o 120986 _ bll 1005 6lll03S blil03b 6121040 bl21045 6l.dUb5 _bl21C.b~ 012107.3 6121070 6121077 61210B\J b 1210&6 TOEP LOCATION -----·----- ·-- 0 "' s 5,.; •Jal• FL as, ,31 COMMUNITY BANK. OF LARGO 27022 FL LARC.O C.ENlURY BAN¥.. Of- LE.E C.l..UNll 31tH7 187 LE.HIGH AC.RES FL HR!,.T C.MRC.L 81(. Of LlVt OM 23991 37< LIVC OAK. FL E:.LLlS LUNG-BOAT IU:Y bANK LlJ,il:.BOAT K.l:Y 28bbl 2S. FL -----------·. MAU!:IRA BtALH bl.NI(. HADt lkA bEACH 43392 oll> FL 214~) ELL15 MM~ASOTA oANK HMIAH:E C.01.JNTY .i:'.38 FL MAkATHU~ c,A,t,,!( MARATHON 367::,'I 512 FL BANI{ CllllE.:f,,iS l'IARlANNA 321;92 3& l FL flRS.T bANI(. Of MARlANNA HAR I ANN;A 31108 662: FL __ FL - C.i:1'11RAL SANK Lo tRU~l /'llAMl 981 ---- - ------- 8!>3!>0 bA'\IK. Uf MU.Ml HlAMl FL 15904b 1319 CEfilkAL BANI( OF NOR.Ht OAOE HlAP11 2'7232 722 FL CGU,NUl GkOVE tU,NK 6b~07 HlMU FL 100 CGMME.RC.lAL UANK C. TRUST HJAHl 8b53Y lLOJ FL TOlALbANK HlAMl 63020 FL FL ___ IN I t.RCONT !Ne.kl AL liANK HlA/11 8£-.ACH . 163217 2311 ,1, 2272) SAr.tlA KOSA STAIE BANK MIL ION FL HJRAMAR. SOUTr!E.AS l SAN< Uf MIRA11AR 2'-/538 FL 8•> FA~ME:R5 A/'iO ME kC.HANl S SANK Hl'..N J IC.El LO 3o3 FL l 723S !UNI'.. Uf MOUNT LURA MWNT DORA FL 25.£11 321 BARfllt:TT BANK lJf- NAPU:S "4APU:S 99t00 930 FL OC.E:AN !:1-lAli: bANK NEPTUNE bEAtH 24302 Sol FL NEW ... ORl RH.HEY 4b642 .. o t:Lll5 SEC.UK! 1Y DANK FL PPLS 51 tll( UF Nl:.1'11 Pl ktt-11:.Y NEW PORl RJCHE:Y !>9103 009 FL CAI' I JAL ~AN"-. 1640 Nl.R TH BAY VlLLAG~ FL 83b7ts SUUTHCAST SANK Of NEW SM'YR~NEW SMYRNA BE AC.ti 39011 FL f..l(JR TH PALM BEACH 9lo FlkST AMEklC.AN 8ANK 69171 fl NURTH PORT i:,ANK ~uk.Ht PORT l 1lb4 3bb FL -------·-- _ l.lKEt.Chl.JbH C.UlJNlY BANK 01\i:: t.C.r!Ob EE 28662 FL 557 SULJlHt.AST bl!,, UF CJRANGt PARk CJkMH,E PARK FL 2-'~0l t--LALSHlP bANI(. [Jf LRLAf'.00 5A970 lJRLA:NOO FL b4bb1 AlLANllC. bANK UF- UKLANUO lJKl ANlJU FL l.i::b9 LANUMAKII. t,ANI\ OF (IRLANDO 609 llklANC.,0 FL 38E:lb4t SA.r-11.II. OJ- PAHUKE E PAJiCJKE:.E 3'4 fl -- ---------- ---- 2034b (;,2736 FL 003 b.A ~"- OF PAU1 &E:.A(.H ANO Tk (..UPALP1 BEAtH ;32 HARNE.It 8K. OF M DE:.LRAY 8EAlHHAM bEAC.H COUNTY 2:2233 fl IS T Ml'I.NE; bK LF- PALM HCH WNSPALH OCH GAROENS FL 19'.tl4 312 PALME.Tl □ bANI'.. ANO lRU!iol lO l-'ALMl:.110 52.968 b2b fl 135-Bb 1092 CQM.""t.RC.lAL 8K lN PANAMA Cl JYl-'ANAMA Cl JY fl COi-i.MN TY t,1',. UF- ff PASlll PASCO CUUNTY FL 6071" __ lt6~ ;oo 19795 ROYAL TR bAr.."- Of- br<t.01ARO C t'ff'l;J18ROl(E PINE5. fl 75234lOt.0 b.\k.Nt TT bA,'.11( LF f'EN~ACUt.A PE.NSACOLA FL FL 7bl!>3 1017 lS T AMtRlC.AN 81( OF PEN~AC.OLAl-'LNSAC.OLA ;,s Pl:NSACULA 32611 Wt:S l pt_r,.,,s"C.ULA f)ANK fl 754 BAl'1K (JF- Pt:RRlNE: PE:RRINE FL 2~460 sun ca .,, ca _______ ______ , 1•• ••3 ••• 0 ., 0 0 307 0 212 0 1>7 30 0 &7 0 0 0 0 0 0 0 -- Q ___ 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 (5) NEW NEW EPA __ RtQBAL 0 27 0 2039 .ftl 7S 0 19-'~ 1847 1156 .. auo 0 0 0 0 2941 0 '47 731 12 20 0 0 0 0 --- 0 0 0 0 0 0 0 819 0 0 0 0 0 0 0 0 0 0 0 0 0 ((>) Olf (3)-(5} _ _ _ 0 0 0 0 0 0 0 0 0 0 -819 0 0 0 0 0 0 0 0 0 0 0 0 0 1.: 0 0 0 0 0 0 0 0 0 0 0 0 0 (J 2322 0 0 331> 15,.c.7 0 " 0 1110 1079 0 0 0 -------·-- -- 0 0 0 0 0 0 0 0 0 0 0 0 0 0 .• .. ... --·-.. _o __•_ _ 11!>9 0 0 839 b73 0 bO ------ • •• --- -- 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 .. ...• • ..• ... ..• .. - ~ CTI https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis -----HONMEHbER_ BANKS · - - - - - - - - B E N E F U . lD_BANKLtOYERED _8Y-1!0Dlfl ED_s_e5, _ _ _ _ _ _ _ _ _ _ _ __,,z21_7'c__ _ __ Ill DSB NAME LOCATION TOEP l<I VL TC.SH 131 141 C~I 161 1977 NEW NEW OIF .. • ... · - - - --··---R~QeAL__EPA __JU.!bAl _.131-C H _ _ 6121244 bl21.i52 bl212S3 Ol212b0 __ ol.t.1261 bl21277 bl.ll27S 0121300 6121310 bl21314 __ 6121315 0121317 6121.3.:0 6121340 bl21343 bl21344 _ bl21347 6121367 bl21371 6121372 6121373 6Ld375 _6121379 01213cl0 0121391 0121393 bl212l'ld C>l21401 _61211.ilO bl2l'tl4 61214.c'.:O ol2i423 6121430 O l.::'. 144!, _ bl2:l449 6121453 Olll457 61214.bO 01.21i.os Ol214Cib 6121475 0121'.93 b 1214':i'O 6121522 t,1215.i:4 EXCHANGE SANK OF OUN:EOIN PlNELlA!i. COUfiTY FL 14668 310 ELLIS FIRST PA.fi.K EsAP\IK PINELLAS PARK FL 2b349 4lb fsAkr<tElT 6A"'II<.. OF PLANTATION PLANTATICJH FL 't0&16 8b~ HlLLSBOF..0 6Ar-,(. PLANT C.llY FL 7b'11'1 lO!Jb PALM .S.TAlf: tsANK PINELLAS COUNlY'~ __ fL._ 2lb40 ____ )(J'; FL C.OA.:S.T SANK OF PUl'tPANO SlHPIJ>olPANO BEACH FL 14S400 1900 PO".T (HAR.LOTTE &K t. lkUSl toPLIRl CHAFI.LOllf FL 81C>97 1511 ClTllEN~ b:t.. r. TR C.U QlllNC.Y FL 1~340 572 WlNCY S,l,HE: SA"'K '-illlfl!C'r fl 3~232 't54 6ANK Of bF-E'IARU ROCKLEUbE FL 1~7'f2 270 flR:S.T MARlN'i:. Bt.lt OF- PALK 'te.RlVH:R.A BE.A.tH ____ fL _ _ _ _ _ _ _ _______,._~ 660'1~ l!>-lb Flk~T RU:S.11.IN 6Af-.K RU:S.K.lt\l FL 20734 5&3 ATLANTIC Bi<. Uf :S.T AUGUSTlNE: ST AlJGU~TINE FL 37':110 598 SUN bANK UF ST CLWD ST CLOUD FL 31.:&7 79S Ct:-"-TRAL PLAZA bfl.. & TR CO ST Pf:lER!lotWRCi, FL 88843 lll't C.OMMNT't' BK OF sr PEICR!i.BURG ST PEkk56URG FL 102.:,3 27b CE/11.TUK.Y bAN!(. Uf PINELL.AS CTYST Pf:TEkSBURG fl~------175b9 ()58 ST Pl:TERStiUKC. BANK AND TRUSlST PE1EkS8URC. fl 124913 llll C.OMMUNlT'r t,K. UF NORTHSlOE: ST PETERSBURC. FL 15793 226t RUTHLAND CENTRAL BANK ST PE1ERS8URG fl 20060 238 SUN BK & lC Of- SJ PE:TE.F.SbURGST Pl:H:RSBURb FL 73C.,13 858 f-lR~T C.Ulf- SCH bk ANO lk CO Sl Pt:lEkSt\URG BCH FL 55643 567 FLAGSHIP U!> bK. Sf:KlNOU. SANfOkD -~--F·..__ _ _ _ _ _ _ _ 19363 ---· 531 fLAC.SHlP t\ANI(. (rf SANF-UlO SA~H1KO fl .i!:8019 1142 ELLIS CUMMC.'tc.IAL BANK SARASUTA FL 16791 199 E:LLlS AMtRlC.AN bANK. :S.ARASUU FL 39700 586 SE: BANI(. Of ~T AF.MANOS SARAS.OTA FL .. 5821 380 PA~ AMC.kltA.N bK JN SARAS01A SARASOTA FL 62&67 5"'b E.LLIS S.l.RASOTA bK. • Tk.UST CO!-ARASUTA _______ f ~ _ _ _ _ _ _ _ _ l'I0839 979 SOUltiE:ASl tiANK. Uf Sl:£:IASllAN SEBASllAN fl lbb3~ 3ts5 6AR.Nf:.TT 8A"4K. Of- !.E.BRING SE:Billh!G FL nbOb 620 CQ:-iMUNlT't' O.l."4<. OF Plhll:LLAS !lolHlNClLE fl 107109 l7't't fLOH.lUA f!ANK AT STAkK.f: ~lAkKf: fL 1C>7i'i 309 SUN CJ TY CENH k bANK :S.UN (. llY C.ENTER FL 2 5445 300 BAR/II.Ell bA:i.K. (If- lALLAHASE:.E TALLAhASSEE. fl 77364 _ 1570 f-LOJdllA ST bK. Of ULLAHA.SSl::ElALLAl-iASSEE FL lb517 l91 flG,:S.hP PPL BK Of lALLAHASSHlAllAhA~SEE:. fl 2321:13 58b LE:.WlS SlATE bANK lALLAhAS:S.Ef: FL 00218 1~39 SUMMll BAi"iK. lA.~AKAC. FL 3,44'ii8 03,4 AlLANfIC tiANK Of lM\PA TAMPA Fl 60343 1253 CENTRAL CAN!{ Of TAMPA TAMPA FL---------________ ~3!126 !i9b HC.SHP bl'. OF TO"N ~ C.C..UNJR'r TAMPA fl 1&509 501 LA1'.UHAR.K bAr-tll. tif- lAHPA TAMPA fl b3823 807 f'E::OPLES 81'( Of HLS80k0Ul.J1 ClYlAMPA FL 4129b 3lS SE:HlNULE: 6MtK OF- lAHPA lAMPA FL ~4040 '125 0121526 sounu:AST 8AII.K Of TAMPA lA.IIIPA FL 29111 lLO 0 0 0 0 0 0 0 0 0 1304 0 --0 ---0 4432 0 537 0 0 0 --p0 0 0 0 0 ----·-0 0 0 0 0 0 0 0 0 0 0 0 D 0 0 --- 1712 0 O 0 0 0 0 0 0 0 0 O 0 0 O 0 1279 O 0 0 O 2l't9 29S -295 O O 0 O bb9 0 0 ~---·- 0 0 O 0 0 ____ o___ o0 0 u 0 0 0 0 ll'tl 0 0 o ___ o0 __!• ___ 0 0 0 0 O 0 0 0 0 0 0 _ O 0 409 1010 't71H 0 • •• 0 0 0 .. ---·--.• 0 0 0 0 1320 _-1326 0 0 0 1271 0 0 O 2.'tO) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 939 0 0 0 0 0 O 0 0 0 0 0 0 0 0 0 0 oo oo o • o-·-.-- o 1027 230 O O D 0 419 0 0 5 0 0 o_ o 170 0 0 ..• . • • •• . - - - - - ------------0 0 0 --· 0 0 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis _ NQNHEHBf.R BANKS_··-----------------------· BENEFIT TO BANKS __ CQVEREO BY NOOlFlED S. 8~ 111 0~8 NAME tOEP LOLAllON ______________________ 2/ZZ/79 _ _ __ 121 VL TCSH 131 C~I 1977 fUW __ REQBAL 6121528 6121~29 bl215l5 0121540 _6121!,43 0121!:i!iol 6121~58 0121510 Ol2l!iob0 6lll568 _t,121590 6121!.93 bl2lb00 bl2lbl0 012lbl~ 6121022 _6121023 blllbl!> bll:1b28 blllb3l 0121700 0121705 _blll730 bl21732 OF SUN BANK Of TAMPA 8A"f' UNlVE:RSITY STATE: BANK l:.LllS SPRlNGS tsANK. F-LAC.~HlP bAN.K Of- lAI/AkE:S l:XCHA:'iGE bK. OF H.MPLE TERR SUUltiEAST tsK OF llTUSVlLLE FIRST BANK OF TREASURE ISL UMATllLA STATE. bA~K VA.U-'ARAJSO bi\NK f. TRUST CO SOUlhEASl BAM Of- VtNllE VE.NICE NOKOMIS. bANK t TR C.O 81:ACH b,Vi11',. l.JF 1/t:RO lil:ACH 1st CllRUS bK. lND RIV WAI.JCHULA !)Ult SANK MEkC.HANTS BANK OF HlAMl BARNl:11 bK UF WE.ST PALM BCH CE.N.lRAL bK OF PALH bC.H C.l't' ClllZtNS bANK (lf- PUH bcACH FLAGSHlP br<. OF W PALM bE:ACt1 H.6.LL b.\NK CUMbA~K/WlNll:R PAkK. SOUTHEA!:tl dEACH !,TATE SANK Cl THENS BANl"I. CIF PA!:tCU t-LALSHlP bl'i. (IF lE:Pl-tYRHlllS en· TAMPA TAMPA TARPON SPRINGS TAVARES lE-.Mf'LE TERRACE____ 28598 19650 34817 217ts't 'tl527 TJTU.S.Vlllf Fl 31136 TRE:ASURE ISLAND FL 20ll't IJMAllLLA FL 20574 ','ALPAftAISO FL 35113 1/lNlC..E Fl 22396 VENlC..E FL --·------------··--·· 73711 VE:RO btACl-1 fl 35407 VE:.RU bEACH FL b444~ WAUCHULA fl 3393!:t Wt:ST .MlAHl FL 7!:t314 WEST PALM BEACH fl 30t:'.b4 WE.SJ PALM UEACH_ fL.____ _ _ _ _ _ _ _ 5100~ _,,E:.ST PALN BEACH FL 37!>07 WEST f'ALH UEACH fl 559t.8 ME.ST PALM 8E:.ACH FL 28207 WlNltR PARK FL 13l5b WOODLAWN fl 19773 l.f:.PHYRHlLLS ___ FL. 16'908 ZE:PHYRHlLLS Fl 482~7 212 BANK.S AFfi:.tlEO IN STATE:. 113 90 FL FL FL f-L FL ____ ~ ___________ _ ~69 3o7 0 0 0 bl2 0 1150 0 0 0 0 blO .., >bb 31b 552 503 757 4bb 1310 so~ -o 0 __ o __ 0 0 0 1335 .. I 0 0 8:JO llb9 0 9>7 0 0 12':14 0 415 360 0 0 0 0 _ 371 1117 EPA l~I IOI NEW Olf __ REQBAL __ 1 3 1 - l ~ L _ 0 • 0 0 209 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 • • 0 0 0 • 0 ioe3 11 540 0 114't 0 0 0 0 • 0 • 0 0 • 0 0 0 0 _ bOb 0 0 101 0 1635 0 o __ 0 0 0 0 0 0 0 0 0 0 0 • 0 • 0 • _o~•-o • 0 0 • 0 ---~-0 • 0 • 0 • 0 • 0 • 0 ~- • 0 • HAVE: NO f:.ARNlNGS PARTICIPAllON ACCOUNT OR REQUIRED RESERVE BALANCE HAYE: NO Rt.QURE:O Rt:SERVE. BALA~C.E 0130100 Cll ANO SWTMRN BK OF- AlbANYALBANY 6130110 FlR~T SlATE: bA.NI(. Af'.IU TR .CO ALBANY bl30llts Sl:.C 8~ t. TR CO OF AlbANY ALBANY bl30l39 FUL TOH COUNTY bANK. ALPHARCTTA 01301~0 SANK. C.,f- COM!1ERCE A.MERlC.US bl30160 CITlll::ftS BA.NI\ OF AP1E:.RlCUS AMEKICUS bl30160 ASHCoURl't bANK A~HbURN 6130190 l.1 T llE.NS bA1'tl( A.SH~URN b130200 FIKST APIIIERJC.AN bK f.. Ht (.0 A.THENS AUSTCLL _ bl30370 C C. S tllli. Uf C.Lbb CTY 6130375 CT2. {. SlJUTHlRN OE:KAL8 bK A.VUNOAlf: ESTATES bl30l60 C.Tl BK f. TR CO Of 6AlNBR1DGEbAINbR10bE: 61304t30 SAXLE:Y STATE BANK &MlfY 613(.ilii:>5 UNlt.JN COUNTY SANK BLA.lRSVILl.E:. GA GA GA GA GA GA GA GA GA GA (,A GA GA GA 9073't 1660 0 19 .. 't 0 0 76211 1782 407 3•~ 781 0 be~ 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 239bb 1'1&12 34&4.C. .:l:j713 21012 21698 2b119 59237 150bb 249bl 2"i002 10891 •• 9 200 256 400 l'tb7 330 ~3b 551 313 0 0 0 0 0 0 0 0 0 0 0 6•2 2bb4 0 0 0 o • • __ o __ • https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis --1tONHEKSE.R_BANK.S __ BENEFIT. To BANKS tOVEREO Bf HOOlfIEO s. ll l 0~6 ----·~---·- TOEP LOC.ATION NAME -~----·-----•--- -- bl30480 FANNIN COUNTY BANK. BLUE R.lOGE CAIRO b l30b30 CAIRO BANKINC,. C.O~PANY bl30b10 PLAN HRS A.'-.ID Cl lllENS BAM C.AMlLLA CA.Nl(JN 6 l30bb0 bA'tK OF CM'H(.N _bl30t:i90 E.TOWAH bAN<. C.A"i fON bl3·)110 PE.Uf'LE5 BANK CARRlJLL TON 6130745 ?t:.AC.HlklE DA~ A~O lRUST CCI (.t;AMbll:E::: (.t;A T ::,wok TH b 130750 COHUTTA BANK. lNG C.OitPANY C.LAKKt:SYlLU 6U0790 MAIH.kS.HAM ~AN~ C.LA Y'lO'i bl3Cb20 SAN,._ UF CLAYlON C.LEVCLANO _______ _ bl3V823 PEUPlt:.S bA!'-(1{ C.lJLUl"lt.US bl31Jb9U COLUMBUS bANI( ANO TR C.U bl309.30 TRU~T COMPANY UF COLUHSUS C.OLUHbUS 6131010 C.OkUELE: bAN~lNG, CU'!PANY C.URDE.LE bl31020 FHt~l S.lATE. BANI'\. lN C.OkDlLE:. C.CJRUt"LE CORNELIA 6131030 C(JkNi:.l l A BANK CLV JNGT(I bl31G50 bANX. UF CLJV lNC. TON bl31090 bANK UF- C.UMM Jt-.G CU"1MlNG 613JOY5, FUK::.YTH CCJU:'14JY' fl.ANK CVMMlNG, DAHLUNEGA 6131110 BANI'.. OF- OAHLONEC,A. DAL TUN 6131130 HANK OF DAL 1 ON DAL 10N 613115-0 HA.R(J-'lC.K BANK t lKU~T t~ DAW 5.UN bl3ll90 bAl'IK lJF- OA~SON UAw::.oN 6131200 bA"'4K. (;F lE~RHL bUU:07 Cl THENS. t. ~THRN EHORY BANK OE KAL8 tOUNTY OOU~LAS 6131215 FAF..ME::RS bA~K OC.11..1<:.-LASVILLE bl3l.<.'.77 Cll J.H.N~ t,A:--iK ULUl.LASY llll: bl3llCO COMMERCIAL t:UNK __ bl3l2'11JC.ll C 5.UUTHEkN bK OF DUBLIN O\J8LlN DUjjL]N bl3UOO FARMEkS. A~D ME RC.HANT S BANK. DUSL lN b 13 U05 MOkkl S STATE 1:UNK. bl31320 tiA1'-fK lJF- OULU TH UULUTH EASlMAN b 131330 bA.Nl'i. Lf tAS TMA.N f::A.) TMAN 6131340 CllllENS 8Ari;,. E. lRUSl cu ~ bl3 l3!t5 CJ Ht!:. C SO BK. OF FU1.lDN ClY 1:.A.Sl PiJlNT i::UH.RTON bl31410 GRANIH: C.JTY' BANK. bl.31430 BANK OF .E:.LllJAY HllJAY fot.K.)lUN 6131460 C.l T llE.NS t3U(1' bl314&4 BANl'i. UF- FL.Rt ST PAR!(. FUREH PARK HRE:ST PARK bl3148b C C ~ BK. lJF ( l AYTl.lN tTY C.Alr-.t~VlLLE. 0131550 C.IlllCN!:. ElANK bUlblJO GLENNVllLt l:U~K ANO lkUSl COC..LENNI/ l LLE: C.RE E N.)bOkO bUlb20 BANK OF ~E:ENSblJkU GkE t:.NS.~(JKQ bl3lb25 C.llJHNS UNll.1-1 BANI( 6131640 COM,l.fl:.RC.IAL bAN"'- Ar;!O TRUST CCIC.klfFJN C.WlNE TT COUNTY 6l.Hb5~ GWlM:.11 BANK. C TRUST to 2/ZZ/79 s; - (21 VL Tt.SH 20137 GA GA GA GA GA GA GA GA GA GA GA GA GA GA GA GA GA. GA GA GA GA GA GA GA GA GA GA GA GA ------· ----- --- . GA GA GA GA GA GA· - -·------~-- -----GA GA GA GA GA GA ----------~GA GA GA GA GA -----------·-- (31 1977 "l NEW __ IU:QfSAL ____ EPA ------·----- ----- .,. 3H 359 l9bb1 l69b9 262 281:Jll 317~:> - - - 454- ---··· 1207 32990 1290 H40bb 2!>22!> 71• 38999 507 400 21839 2;4 Z01'Jb 16!>3 lY 359.l 34390 1053 31.31;1!,, ;oo 203b2 30341 503 3l:40~ 400 296 3~802 29; 20059 ,,., 211:;b 22681 310 616 427:t.7 1392 20&24 3443Y 2028j4 393i:'.5 25,J 99 38li:'.3 445 .. 1211 ,>41 48"1l3 30111 2.0990 %3 29> 450 lab4l 20U't 314 18647 llldl.3 3;1 .tlb 12>7 257.H 474 21208 366 6H 522 14:44 19093 34335 355bb 32>27 l!:1334 lb49U l4b08 &1•22 24440 -· 22• 2537 ..... .,. 135 185 1;11 10l 0 0 0 0 0 0 0 --0 0 0 2053 0 0 0 0 0 0 0 o_ . 0 0 0 0 0 0 0 0 0 0 0 0 4-b42 0 0 0 0 0 .3 0 0 0 0 0 0 o ___ 0 0 0 0 >224 0 0 0 0 0 0 40 0 ~ 0 0 0 0 0 0 0 0 0 3~22 0 0 0 0 0 0 0 0 0 0 0 0 0 (I 0 0 0 0 0 9~4 0 0 0 1;1 N•w A.EO.bAL 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 (61 OIF ... ..• ... .. • ... .. ----·--. .. .•. .. • . ....• .. (l)-(5). _ _ _ _ 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 -2275 227> 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 - - -- ---- ~ https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis _ _ MO,.,.E!IBEIL 8Altl< 111 DSB NAME LOCATION TOEP 121 VL TtSH 131 1917 RH1BAL ----------·-·---0131685 CAPITAL tlTY BANK HAPEVILLE 6131710 tllllENS & SO BK OF HART C lYHAR TWELL bl31800 C + S tsANK JACi<..S.(l-.il bl31820 JA!>n.R BANKING COMPANY JASPER ___ bl31850 TRU::i.l CO tsK OF CLAYTON C.lY JLl<tt:.S.bORO _ _ _ _ ol3U:90 BANK. Of LA fAYtllE LA FAYETTE 0131900 C £.. S. BANI(. Of WES.l G,toRGIA LA bRANG,E 6131915 PE:CJPU:S BANK Of LA GR ANGE LA GH.ANbE 6131965 C.Wll'.NE:TT C.OMME:KC.lA.L BANK LAWRt:NC.1:VlLLE 613,20<,0 G-tUkGU. S.lAH bAhlK M.ABL l lUN _ _ 0132105 01~2.115 6132lb0 b 132175 6132:178 613.:'.220 _ _ 6132243 6132250 613.t260 6132300 bl3i343 bl3t350 _bB24IO 6132-'t'iO 613-'597 6132630 bl3lb80 b 13.2bf:13 613L6BS 613270~ 61327H, o l.;)£73!:, bl~L.731 6132740 - ~ 613£7~0 bl32765 613<::770 6l32&2S bl32932 6132937 _ _ bl3i990 6133010 6l330~U 613.,030 6133060 b 133070 U.:Z/19 _ _ _ _ EMEfU_J0--11AMKS...tOVERED _BY _IIODlFlED S •. 85 ___________ GA GA GA GA 2,350 GA GA GA GA GA GA. GA G• G• GA G• 25596 25959 15201 17435 22325 UA. C.ENTRAL BA'-11\ Of- GEOKGlA MACON GEOR&lA BAN.I(. AND ll<US.1 CO MAC.ON BANK UF 11ANChE.STE.R HANiCHtSTE.R (OMM.ERC lAL DANK UF C.OflB CTY MARIElTA flRST bAM<. C. TRUST C.O /'1AR1c.TTA MUHR BANKING CLMPANY 11ETH.R C.1 l.t..S bK OF Ml LLEDGEVlLLE. Mll LEIJGEVILLE _ _ _ GA_ EXCHANI..E BAl'iK MILLEDGEVILLEGA ME.kChANTS AND FARMEllS BANK. MILLEDGCVILLE GA fARME:H.S BAr,K MLNRUE: GA FIRST 6ANK OF CLAYTON C.UUNTYHLJRkOW GA CITIZE:NS t.. S BK OF C.OLQUITT HOULTRll:. G• _ GA C.ll £. SUUTHERN t-lE:.WNAN bl( NE.,ll:NAN. C £. S BAt-.K OF GWINNETT NLRC.kl.iSS G• CLUB COUNTY BANK PlJWLJE:R SPRINGS GA TATTNALL HANK kE:ll)SVlLLE ,._,DklHW!:ST GtORC.lA BANK RlNi.,UlJLD GA iSANI( OF THc ~UTH k]Vi:.RCIALE GA tLAYlUN U..1UNlY bANK. RlVlRDALE GA GA Cl TIZ. C. SUUTHi::kN HK RCX:.KOALE:k.OCKCIALE: COUNTY RCJO.MART BANK. Ru(.K.MARl · GA RO~.!:: BAt-.K A"1U TRUST co ROMe GA ls.OSS.VlLLE bAl'tJ(. ROSSVlLLE: GA ROSWHL BANK RuS,r,1t::LL GA RL,YS TLJ,4 TRI CLJUNTY ~ANK GA COAS.TAL bA/lti<. Of- C.EORG l l ST SlMONS 1 SL ..<0 G• C.1:.0 l> WAkTH!::f>.t bANK SAl'illi::RSV ILL~ GA 5,AVANNAH GA flRSl BANK [JF SAVANNAH CObB BANK + lRUST to SMYi..NA GA Sl\lt.LLVILLE GA <.."'Ir1ETT CLUNTY t,A."11(. C. £. S bANK Of- E:ff-lNGHAK CTY SJtK.lNC..flE:LO _ G• S 1A H:SBURO F-lk.:.T BULLOCH 8K ANO TR CO GA S lAT ESBORO SEA lHANO bAliK G• SUMMi::kVILLE GA FAKHt:KS ANO MERCHANTS BANK GA SWAINSBORO Cl TlZENS bANK. SYLVANIA GA bANK OF SC.RC.VEN COUNTY •• ------- --------------,---- 53795 lli965 2l0b9 34938 .19940 8b011 l5b19 35312 86304 lb825 27621 2185,9 16695' 2 I4b7 22985 29b96 341~9 24651 22037 lb058 23873 22619 20763 33106 1797!> 40228 2b'92B 45927 l 7!>-94 20~47 22024 34'112 22bl6 lb37& 23149 31132 47b44 2~135 2)!>07 l 7b9b 3.. "5 330 309 672 679 1015 431 198 698 311 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 -·----. o_ 2~1 6S3 3l5 301 0 0 0 2-. ... 982 lt!B6 40> •o• ..... '92 ... 5~• 215 60< 9.i::'.3 c65 01) 60& 7&3 9H JlY 6'3 264 0 0 0 ---0 430 0 0 0 0 1802 0 0 1511 0 0 0 0 0 0 0 0 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 726 u 215 0<5 400 0 0 0 0 0 .., 151 . .5 600 •10 0 Lb~ 0 0 161 NEW DIF EPA __ R""BAL __ 1 3 1 - 1 . 5 1 - 0 0 0 0 0 0 l.t.&b 1-.1 NEW 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3"6 0 0 0 0 0 0 0 0 0 0 0 0 0 0 'O 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 u 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 0 0 0 u 0 0 0 0 0 ...• .. ...• • ..... . ... ....• ... ... ~ ~ https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis --lill!U<F.KIIU 8'-li~------------~ENHl.T-l0-8ANl<S--'-OVERED.&Y_HOOlfIEO_-S.--&S _ _ _ _ _ _ _ _ _ _ _ _ _ 2/22/79 _ _ __ Ill OSB LOCATION NAME -- -------------------- 6133075- SANK OF WORTH tOUNlY SYLVtSTER bl33080 SYLVESTER 8A.~1NG COMPAttY SYL\ll:~Tt.R 6133125 bANK. Of UPSON lHUHAS.lUN bl33130 CTL C. SUTt,KN BIC. OF lHOMASTl.NThOHASTON lt-LMASVILLE ______ _bl33140 t r. S 8K [If TH UHAS C TY bl.33150 (UMMtP.C.lAL UANK Tt<.tMA~VllLE bl33lb0 BA.NK. OF THOMSON lHOMSIJ'i bl33lb0 C t. S. bAN.Jf.. Of- lHlON 1 !FTON 1 IFlUN bl33lb5" Cl T lltNS bANi<. Of TH TON Tlf-TCJN bl33190 f-ARMtkS BAfllK. Uf- l IFTUN _ 613.!210 bA.Nl'\ Uf- TCCCUA TLCtO'··------6133215 Cl T llH~S. bAl'liJO. OF TOCCCIA TOCCOA bl33271J f-AkMl:kS tSA,N"'UNION POINT VALLiOSTA. bl3328~ Flk5T ~TAlE: bANK WA..kNER ROBINS b 133342 C. t s bANK OF MOUSTON CTY bl33345 CITIZENS STA TE bANK WARNEH RU81NS _ bl3335~ I-ARMERS MD l"'J::.RC.HAl'HS BANK. WASHlN&TUN --bl333b0 WASH LOAN t. bANKlNG CO MASHINGTLN 61333&5 SOUTHtRN BA1ifK WAYCROSS MlNUER b 133428 bANK UF- bARROW OF 12b BAl'f<.S Af-F-ECTEO IN SlATE GA GA GA GA OF AMERICAN SEC.URJTY BANK BA.NI\ OF HA.WA.11 U:NTRAL PACIFIC BANK CITY BANK FIRST HAWAIIAN BANK LlBl:RlY tsANK. b 18839 20419 1~995, 3095~ GA ______________ . 'tO~bt, '-,3167 GA GA ~12"4 GA 30'14~ GA 22977 GA 262M, GA 2.b932 GA 25,7b!> GA 1&007 GA 309b~ GA 2'-t291 GA 32523 t•~- 16301 GA GA GA 3034b 2b948 131 l•J ISi l9-'t76 ,., OlF UJ-151__ _ __ 3~2 0 0 0 23b 0 0 0 0 0 .o 0 --- _o ___ 0 0 0 b1• 7b8 0 97 0 3•8 0 0 -0 0 0 0 0 0 0 0 598 SH ·~ HJ 795 229 ~LB blS SH 205' ---39• 11' 31b 0 0 0 0 0 o ___ 0 0 0 0 0 0 0 .o 0 27 3b3 53' "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 0 0 0 0 - 108 HAVE NO EARNINGS PARTltlPAllON ACCOUNT OR RtQUJRtO RESERVE BALANc.E l 7 __ HAVE NC, R,wuRED RtSt~VE BALANCE -------------------------- --------------------12150020 _12150030 12150055 12150058 121500bS 12150090 121 lOEP VL ltSH 1977 NEW N~W __ __________ RfQBAL._ ___ f PA __ RE<lbAL Hl Hl Hl Hl Hl Hl HONOLULU HONOLULU HCNlJLULU HONOLULU HuNlJlULU HUNULULU BANK.S AFFECTED Ht STAT.E 0 3 229078 3ti-47 0 5072 1175053 _ 17539 27i::b53 151C.>4b 1024771 12!>013 -'t~55 0 0 !>lbb lObl .i::790 l~b~O 2l9U 0 0 Ii 27"5 5l~b -'72"2 23C.-2 0 0 0 33"7• __-332.74 ~1'5 0 -lObl 0 -2.1Z4ti 0 HAVE NO EARNlN.GS PARTlClPATlON AC.C.OuNT Ok. k.E.QUlRE.0 k.E:SE:RVE bALANU HAVE: NO kE:.WRE:O RE:SER'¥E: BALANCE: ---------------------__ l2lb0130 lNlE:.R H.OUN.TAlN STATE: ~ANK. 12lb0l43 BANK OF- (.QMMERC.E:. 12100300 FIR.ST l:IAN;K t. TRUST LO OF JO 12lb0350 JOA.HO BANK ANO 1RUS1 tO CASCADE: IUAHO FALLS MALAD C.JlY POCAlELLO 10 10 10 10 2200, 50001 31968 2bb-'t32 ~,. 263 __ o 0 0 0 0 60• 393 2.it.!:2 0 Sl9-'t ------~ __ o 0 0 4't23 "' 0 ----~-- ' o • 0 • -41t23 ----- ------- - ··----- https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis ___ Jt('IIIMEMBER BANKS--·----- 8£:NE:FlT TO tiAN.K.S tOVE.RE:O 8Y M001Fl£:D Soi 8~ -··- TOEP LOCATION --------- 1Zlb03b5 VALLEY BA"'-K 12lb0Aiil0 FIRST BANr.. OF TROY Of Rl:XtWRG b BANKS AFFECTED IN S.TATE ---···---·---- 7170020 __ 7170080 7170)2~ 8170140 8170141!> 7170210 7170230 _ 7170lb0 71702&5 7170290 7170t91 717(1350 1170430 _7170455 7170540 111c,se,o 7llV590 8 l.10b25 til71lb27 --· 7170bb5 7 l 7L6bb 7170t.b0 7lll>C>90 117(.,105 8170720 811072~ 7170728 717\Jlc.5 71707&0 7 170790 7110825 _ 711090~ 7l7ij9~!, 7170'10.5 717l>985 7171000 ADDISON S.TAll BANK. ALGONQUIN SlAtE:. SANK. ALSIP bANK Al TLJN BANK.IN~ ANO TRUS.T co BANII.. OF AL TUN S.TAH. BANK OF ANNAWAN STAT!:: ~ANK. UF ANTJUC.H ~ERE.ER SlATE bANK Bl\ C. 1 k C.O lJF- AkLINL,. H.N HlS NLR TH PU INT STAT!: 6A.('.jK. ,._,ORTH,.,E.Sl TR & SAVlNC.S BAkK. ASHTON bANK HU.ST co STAH: HANK OF AUBURN: flk!i.l Al"!EklC.AN bK. Of AUkORA SARTLt.11 STAlE BANK bATAVlA bA.NK. F-IR~T 5,U.lE bAl'd;. BAN"- UF bE:.Lll::Vlllt. BANKERS TRUST (.Q'1PANY bAN!\ OF l:H:LLWUOO BL0"1E STATE bANI<. UNlH:U BK (Jf St:LVlOf:RE SlATE BANI\ Of flUH.Nl BE:N~E:NYlLLE STAIE: BANK SAf-cK Of 8E'i1LN bENTON C.UH--tUNll't BAf>.t\ BA"IIC. {Jf- CMMkC. IN BERKl:LE.Y 8L{J0MlNLIJ.\lt !>TATE: bANK CURN bl:L 1 t,Ar-.K Mtli::AN C.LUNI Y BANK HERlUC.E/C.OUNlY BK. f. TR Bkll.,{,f:YlCW bANI\ (. lRUST bRUALl/lEM-Wt:STC.t-11:~HR ST bk BA~K Ut- BUffALIJ C.R.01/l: 6Ui...6Mti<. SlAlE: bANK f-ARME:RS ANO ME kC.HANl S ~T 8Jti. • co co l',30!>0 10 ID TROY ,,, ,. , 0 0 0 0 (41 121 131 NEW Vl TC.SH 1977 NElf Olf . ____ . . . REQbAL __ fPA_R~8AL _ ( 3 1 - ( ) l _ Ill NAME DSB - - - - - - - - - ----- ----· -·---·-----·- .... _____ 2/22/79 1803 18> 2-45~9 0 0 208' 0 . EARNINGS PARTltlPATlON AC.C.U~l Ok kt:QUIREO RE SERVE. BALANC.E:. 3 HAVE 2 __ HAVE NO ki:.QUREO RESERVE BALANCE A001SON ALGUNWIN ALSIP ALllJN ALTON AMAl'IIAN ANT lOCH Afl..GtNlA AkL JNGTUN HEIGHTS ARllNGlUN HEll;HJ!i. ARL lNbTUN Hl::lbHT S ASHTON AUBURN AUf-.Uk.A BAklLE:ll bATAVU. bE:ARCiSTUWN bHLE\/lLLE: BCLLl:\/lLLE:: bELLwuOO SH V l {JE:kE bCLY1Ut.RE bCMt.NT BtN::,l:.""'llLLE l:ltNlOPII &E.NlON 8ERl<.E.LEY BLLIOM!NGDALE bLUUMINblON 6LOOM1NG TON BLUE: l!>LANtJ BKJ(;<..t:.Vlt:W 8KOADV1E.M bUf FA LO GROVE: bURbANK bUStiNE:LL "° IL IL IL IL IL IL IL IL IL IL IL IL IL IL IL IL IL IL IL IL IL IL IL IL IL IL IL IL IL IL 1L I IL IL IL IL 452 28b ,01 0 0 0 2 ..... 0 0 0 u 0 0 3"e'tb8 51t477 0 0 1094 43> 110 501 0 0 194 19121 17204 b142.lt 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 't4ll0 21072 . --- . - --- -·----· 1413Ct lo b£300 2b55b 25969 13149 lbl27 2bb5l 2:0343 >1• >37 •20 12, 230 .... 314 2>8 23490 1713'9 b~t:>11 32:4 11> 379 ,31 330 3ltl80 32535 U5bB 11> '" 3b.;lbb lti.t'-l b12"ib !>1b5'9 30002 2807t, 3~12b 78996 23408 _ 3b513 307b'I 1>1>2 2927b 0 0 0 0 0 0 0 0 0 0 0 0 "" 0 0 0 0 0 0 0 4Uo 100377 0 >3< 32<> 430 719 S,573 0 0 0 0 0 0 612 13l 542 0 0 98<> 0 1~90 0 0 0 0 0 0 0 0 823 38 0 0 ,. , 0 0 0 0 0 0 .::0~1 0 '89 ,ao 0 0 0 0 2o>O 0 0 32 0 Io7 0 ICh ,,. 324 o· 0 0 20 0 990 --·- -~----·~--·---- u 0 0 0 0 I> 0 0 0 0 0 0 ...• --·-. ---·-..• ..•.• ..... . .•• . ...• . 0 --· 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 -I> --- 0 0 0 0 0 --- -- ....~ https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis --NuNM.EMBE.R_ BANKS OSb --------- ~ _________ BfcNE.FlT.. TO.BANKS tOVEkEO_BY HOOlflE.D Sa _8!1 _____ 111 TOEP LOC.ATION NAME 12 l VL lCSH --------·---8171020 FIRST BANK ANO TRUST co 7171035 F-IRSl STATE 84N~ 71710;]7 'U VlR OAKS HK t TR to 71710'",-5 CANTON STATE 8ANK 7171(198 C.UMM.Uf'tl TY BAM. AND lkUST C.0 _ bl 71.109 BANI'!. 0~ CARbLNDAl.E 6171125 UN.lVtHSllY b"- Lf CARBLNOAU:. 8171160 fAF<.1'11:.kS ANO ME F<.CHANl'S BAN,;. 8171.i::(10 j,jHI lt C.CJUNTY HA,.,_K 817 lllO C.AkkDLL ll..ti BANK __ Jl7li.50 MAklN.E. 1 KUSl C.lJM.f'ANY Of 71712b0 717l2b2 717 l2b!> 81112t,!» 117 1330 __ 717133~ 71113!>0 7111'-t20 7171425 7171470 7171475 __ 7171480 7111492 717149-'t 7 l l l49~ 7171!>02 7171511 __ 717151~ 1111525 7171530 7171542 7171548 7171~52 7171557 717lt:i23 717lb29 717J.b3l 7 I 7 lc.32 717lb35 __ 717lb43 717lb48 7171649 717lb5-l 717lb52 717 lb53 CAIH.0 CA.i..UMtT CITY t.ALUME:.1 CllY CAN.TON LMl{JN CARblJNOALE Co\fi.BUNOALE tAKl YLE CARMI LAkKOLLlON C.AR 1 HAGE CARY CARY !'>lATE OANK CA.RY ISl SCRlY ei<. OF- CARY-GROVE C.AStY bANK L>F CASEY C.CNlRAllA F-lR~l S lATI:: bANK. f-AkMERS STA 1 E: BK Uf C.HADWIU..C.HAIJWlCK bA~ti.. (jf lLLIN.01S CHAt1PA!C.N - - - · - - - ((J"1ME:kC.lAL bANI<. (Jf C.HAMPAl GNCHAMPAH,.N CHE KRY ST A TE: BANK UF- C.HE:.RR Y CHERRY VALLEY bANK. UF- (MERRY VALLE:Y AETNA l\ANK C.HIC.At.O ALL A11EkIC.AN bANK Of- C.HlCAGOCHI LAGO ________ AMALGAMAlE.D TRU~l t 5.VG~ BK CHIC.Al.O CHIC.Al.,O AShlANO SU,1.E: bA!\IK. tHICAtO bA1'r.{.O 01 RUMA (C.HlCAtO) CHI CAC..O BANK. Of- CHICAGO bANK (Jf- RAl/.t,..swuoo ChIC.AC.O 6E VERL Y 6AN!<. LHJCM.O C.A~ lllJl BANI\ OF C.HJC.AGO C.HICAGO (.HJC.AC.0 C.HILALO bM4K. Of C.OMHt:kCE CHIC.At.LI CITY ~AF'.il<. ANO lRUST CHICAC..O (.MIC.AGO CHl(At,0-TOl<.YO ~ANK. C.HlC.Ato CLE:.AKlfiG eA~II:. lHil.AC.0 C.OLUNlAL BANI<. AND TRU5T to COMM bit. t TR CCJ OF E.OGlWAH.RC.ttlC.AC.U ___ - ~ C.H!C.AC.0 E.A~T SIDE 8Ar.K l. TRUS.l CC; Fik~l PAC.lFlC SK. OF CHICAGO C.HIC.AGO FlR~l 51 A 1~ tlANK. 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BANK C.HlC.A~ LA,HJ..Alf: TM.UST C. SAYINGS BK CHIC.AGO MAl>l::.U,'1 bANK .4.N[) TRUH C.O C.HIC.AGO MANUFAC.llJ<ERS bANK C.Hl(.AG,0 MAkHU bANr<. C.Hl(AGO Mt l ~C,t'ULI l AN BANK £. 1 RU!> T WC.HICAG.0 (.H}C.AGO ~ID TO.,jN HANK Of C.HlCAGO MUUl'ol GRH.NIIIIOOO BAN~ LHlC.At.0 --·----NuK TH bANI<.. C.HlC.AGO □ Al(. lRUS. T AND SAVINGS BANK C.HIC.AI..O PE l E.kSON bA~K. C.HlC.AGO PlUr-..E.E.?. [)"Ni<.. t. lRU~l ~o C.ttIC.AbU RE:PUcLIC. BANI( (Jf· C.HlC.AGCJ CHIC AW 5 CtNTRAL tSI( &. lC Of C.HlCAWC.HICAW SOUlH C.H!C.AGO S.AVlNbS, bK. PO f.hlCAGO UNlJE:.D Of M1ER1CA dANK. C.HlCAGO UPPER •vENut:: bANK. C..HICA.C.0 WAH.R ll.l~i:R lR (.SAVINGS. BK CHICAGO Hl:.RlTAGt/OlYMPlA bANK CHIC.AW HEIGHTS C..lCtRO STATE BANK. C lCE:.RD bAr-..i<.. Of' C.LARf:NUuN HILLS C.LARENDON HILLS CLAY C.JlY dAN.'<.JN.C... COMPANY CLAY C.ITY JLHN WARNt:R. bANK. C.LlNTLoN S l AH t!ANK OF C.OLLlNSV!LLE C.l.llllNSl/lLLE Hl::RlTAC.E t:11<.. Gf• COUNTRY CLU8 C.NTRY Clb HILLS EDGf:'r/00D t:IANK. C.OJNTRYSIOE SlAH. BK. 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D 0 0 0 892 0 0 4072 0 0 -100 0 0 0 0 0 0 2190 630 132 0 0 100 0 0 0 0 0 0 l909't 244'14 ld10d 50722 12940 2064~ 30341 41528 3b99b '90 (bl I 51 Dlf NEW _ REOBAL __ 131-151 _ _ _ 0 0 0 0 -'tlS1 0 0 -·-··--892 0 ,-!>'t-4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 __o 0 0 0 0 0 0 0 - - - - ----- - - - - - - - - --- - - ----~ ... ..• ..• .. . ~ c.o https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis ENEFl L 10 BANKS_ COVERED-BY _MOOIFIED ---HONKE"8ELBANKS DSB NAME EAST ST LOUIS 1>7920 97~ 333~2 941> 18993 132 30028 392 1~011 _ _ --19~97 •12 20742 102 89b42 ~81 40~49 372 IL ll ll ll flR!i.T STAIE CANK. t:.LOUKADO _______ ll LARl'i.JN bANK ELGIN IL E:.LllABETH E:Lll.4bETH STATE: aANK ll so,,._ CJF HK c.ROVE: V lLLAGE HK G.RUVE: VILLAGE: ll ijANI'\. OF- E:L'1HUR~ 1 E:ll1HURS1 IL YORI\ !>lAH: bANI'\. C. TRUST to tlMHURSl ll F-IRH SEC.UtU TY lk. A~O SVG E:LMWOOD PARK. _ _ _ l MlDWtST BANK. AND TRUST CO EU1WCJOO PARK ll E:l i'ASU HCJOUf-UkD C.OLINT Y bANK. IL EVANSt(Jr-, ~MiK £.VANSllJN IL EVt:RGREEN PLAlA BANK EVH.GkEEN PAR.K IL HtRllAC.E/SlA~Ak.0 UK • 1R C.OEVERC.fi.EEN PARK IL ___ l WAH1.E C.UlJNTY liK L TR to FAlk.F lELO LlNCOLN lRAl L bAt-11\ lR co t-AlRVltW HElGHlS IL fARMt:R C.111 S.T .Alt bA"1K F.AR.Mt:K ClTY IL '3ANK UF FAIV11NG lllN f-Akl11NC.1GN IL f-LANAGAN FLM-1AC.AN .HAlE ~ANK IL H1Rk.E::STIJN fLRHSlON STATt bANK ll ______ l FOX LA.,<,,E STA Tl bANK fUX LAKE FRM-d'l..fURT SlATI: HANK. FRANK FOR 1 IL flRST S 1A1E tlA~K & TRUST CO FKAl'-41\LlN PARK ll fkAMLJN PA.RI(. SANK f-RANKLlN PARK. IL GAL t:NA STA.ft BAN~ & lRUS 1 C.OGAltNA IL GALl:!IUI.Jk.G BANk. OF IL _ _ _ _ IL C.E:NlRAL TKUS l A.NO SAYINGS bKGl:.NE:SEO C..tNUA 5UlE t.1ANK C-.1::~0A IL PEUPLI:~ SJ Bf.. Of C-.llLESPU. GJ.LLESf'lf IL OU PAl.,E, b,\NI(. t lkUSl C.OMP,1,NYt.LEN ELLYN IL 1 SE.C.RTY bK 1.Jf <.Ll:N E:LLYN C.LEN ELLYN IL 817('.8~0 UNION HANK. E:.ASl ST LOUIS 717l90U KA~E CTY BANI\ r. TRUST C.O E lbURN 817~910 C P BURN El T AND sew::. bANKER.stLOUkAOO _ 8172920 717.::9~4 7171970 717L.,8~ 717.i:.~96 117.JOlO __ 7173023 717.3026 717.J040 7173(.,C-,O 717jl33 717.H.37 _8l73115 8173]',,5, 717 3210 717..;220 7l7.;21t0 7173280 _7173l85 71732"10 7173313 717331~ 717 33t>5 717.;370 _ 717..,420 111 ~400 81735.C:O 7173560 117350t'. 717J'lb~ _ 71J_j:i10 7}1,jS73 817-2)0.foiS 6173670 7113l'i8 8173ec..o -- 8113605 717_j81t0 71736SO 7173865 717.J8C.8 7173875 ,n bl0.:J2 ~2~ 97104 ~-- 901 ~35 2070't 1~7 't3J28 >•3 ,,ooo 25749 2"020 14ts73 1508b 1468& 2qo91 21045, 41023 !17328' 17!>08 311t,& 3'e7':19 l1tb9l lb355 03647 2bblb 21426 IL - ll -------~- --- - -- la.HI!> 'tUObl IL 20011 ll 503~5 IL 271l6l IL U:1592 IL 3120~ ll IL 22111 ________ ______ " IL IL IL ll ~-9 ltlt2b0 9083H 12327 17840 18151 2't075 llbb ___ Z~b 3ob 217 178 ol 01 ___ 598 - - - ,o, 1>22 0 0 0 0 0 0 Q ____ 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 ..· ~ bbl lol , o ______ 0 n 2280 211> 071> --- z••~ 3<>3 313 l.JUJ 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 lb3't 103 - - 0 0 0 0 0 Q_ _ _ Q _ _ _ _ 0 Hl 521 0 0 o ____ z5, 271 20b 11> 0 0 1844 "~0 o __ 0 0 0 0 0 ,1, 0 0 0 0 0 0 1'0 110 2l5 205 55• 287 -~-.. - ••• .. • ..• --- --·-... .• o. o ____ ---·-- 0 0 0 0 0 0 0 ---- 0 0 0 0 0 0 o ___ o 0 0 0 0 0 •• • • . .... .• .• 0 __ __.__!_ _ _ 0 0 0 0 0 0 0 0 729 0 0 0 0 0 0 0 0 0 0 0 _____ 4~2Z -· .. 1530 ___ -U30 ________ 0 10 0 0 0 0 0 0 0 41~ 0 0 0 0 0 0 0 0 0 0 0 ---··"02 · - - - - 0 - - - 0 ---· - - 0 lb 0 0 0 0 0 0 0 0 0 0 Q 1391 0 0 0 0 0 0 " "" "'' l~Z bd2 9b0 -- 0 ___ o bl09b • FlR!.l lRUST ANI.J SAVlNC..S t,ANKLU:NVlf:W LLUjvlt:1o1 !.TA.H.: bANK. GltNV lt.W Hf:RllAt..t/l,Ll;N~uuo BANK t;LENWUOD ""' tiRl,1,LE tSK. Of GKAN l lE Cl lYC.kANl H:: t.l lY GkANl TE c.lTY GKANJH C.ll'f' Ht. C SVG bk FIRST SJ bKC. lC. Lf HANUVE:R P1H1ANlJVl:R PARK. HARDIN bA.kK Uf (.ALHWr-, C.OUNT Y MAR.Kl.>BURG BAN-t Of MAkk l!>!WRb H,1,RVARO flRSJ S141C bANf.. HAk.VARO 11ARVAk0 SlATE bANK HAIWl:Y FIRST SlAlE &ANK HARwOOO HEIGHTS PARrc;WAY BANI( C. lKUST co HAVANA STA.Tl: 8AkK UF HAVANA ZU:79 ,,1 (21 (31 I ~I ll>I l ll 1977 NEW New DlF TDEP Yl TCSH ___________ RfQ8AL __ fPA___llfQ8AL _(JJ-15) _ _ _ _ lOCAllON 8172815 EOGEMDNl tsANK • TRU~l CO _s~_as - - ·--- ----- ~ t https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis -- BcNcfl T TO BANKS - COVERED BY IIODlf lcD s. es Ill 0S8 1173900 8173910 7173935 817 j940 _7113965 7113975717 4 015 7174025 717'i0o5 7174-067 _7174100 8174175 7174lb0 8174220 817-.2.30 817.:.,240 __ 717425~ 717't2b3 7174315 7171t,j25 7174440 7174445 _7114460 7I7lo4',0 7174503 8174570 7114b00 7174bl0 _ 7174030 7174640 7174bOO 717'-11~ 7174725 111'-121 _817-'t7._0 717477l 7114774 111'-115 111'-118 7174bOS -- 1174815 717"t9o0 bl74975 8174980 1174992 711!>0l0 NAME LOCATlON TDEP 121 131 141 ISi lbl Olf fUW Ni:;W 1971 VL TCSH ~-Jl.f.QBAL _____ EPA_ UQBAL__l31-~J___ 91 17281 lL HE.NRY HE:.NRY STATE BANK 705 3!,548 IL HE::RRlN BANK OF HERRIN 042 o2:5bl IL Hltl<.ORY HILLS l:JA:'IIK OF HlC!<.ORY HILLS .. a~ ~7£07 ll FMRS C. MRC.H IS t,K OF HlGHLAMlHlGHLAND t,1115 _____ 420 11lGHLAND PARK _____ ll__ bANII',, GF HIGHLAND PARK. ______ 393 2b300 ll HIGHWOOD BANK. UF HIGHWOOD 630 l7't72 IL HILLSIDE BANK. OF HlLLSlOE: 223 21375 IL HlN.~DALE BANK Of- hlNSUALE 780 503b7 lL HOMEwOOO bA~K OF HU"1E.WOU{J 222 24t't68 lL CUHMlJNJTY SI(. C...f- HMWO-FlOSSMRhlMf.WOOO lb.t:l5 ___ }'lb · - - ~ - - l l _____ - - - - ~ . t-tl.fHU:::Y !:iTATE:: HK OF ti.JNTlEY 59 16972 IL lkVJM.. TUN CQMMVN.llY TRUST BANK, 303 58740 IL ITASCA llA.SC.A STATC: BANK bOl 52982 IL FAkMEkS !,TATE bANK. r. TR C.0 JAC.K.SUNVllLE 309 21368 IL Jl:R!,1:YVlLLI:. JER!..EY STATE: liA,'.K. 591 3b0bl IL JE:.R~t:.YVILLE STATt: BANK OF JERSEYVILLE 3't3 lblE:..,£ lL JOLltT C:AST JULH:T BANK. 1:109 bll3b IL JULit:1 LOUIS JOLIET !:SK ANO lR CO 4lb 42173 IL K.ANK.Al'(.EE: FlRST BAN.I\ OF Mt:AQO,IVIEW 't02 lb7bf"; IL PEUPLES tsANK OF MAkY C.kEST KANK.Al'(.EE 1~&3 10208b IL LA C.RA.~G~ LA GRANGE STAH: bANK. lib 3b997 IL LA bkANGE PARK BANI'.. OF LA GRANGt PARK. _ _ _ IL _____________ 33737 ---~ 5't'I LMt ZURIC.H ~1Alt:. bK OF LK lURIC.H 72 15bll ll LANARK tXC.HANl>t: STAll;. f:IANK 557 392bb IL LANSING BANK. Of- LANSlNG lSb 1402~ IL LEbANO:'i TH.UST C. SAVlNC.S BAP«LE!jANON 12 20734 IL LE:NA ClTHENS. STATE BANK 6b l4b2l lL U:NA LENA STATE &ANK 2LIS 17678 IL LE: R.QY LE:. RUY .S.lATE BANK. 277 ltlb95 IL ll:.Wl~TOWN f-ARl"ltRS STATE. bANK. bl 16204 ll LtXlNliTON PEOPLES. BANK. OF LEXINGTON 2b4 l4b~3 1L LlNCOLN LLGAN CUUNTY BANK. l3b9 10123b IL LINC.OLNWOOO lUNK OF LINCULNWOOO 5-73 37~71 IL LISLE !:SAM<.. CJF LlSLt .£50 19103 ---·-··------ _ IL LlltHF-lE:.LO tUNK ANO TR.UST LOLlTtHFllLD _ 492 31900 IL LOMBARD BANI(. Of- VC.U\11.lUWN 37b lbb37 IL LQMtjARO HAIN bANK. OF LUMf:IAR.0 538 38293 IL LlW'1bAk0 STATE UAf-4N. Uf- llJM6AR.0 U93 1t0b9 ll L(;MbARO WE.Sol SUR&J~tliAN BANK 83b 41 b20 1L LlJVt.S. PARK UN I lt:O bK. OF L OVt:S PARK 2&8 21391 l l -· LYON~ BAi".il(. OF- LYONS. 4U!: 2c.71J IL MARH.tGO MAR~hG,0 SIA.TE BANN. 5b5 3007b ll MARION BA"(I( OF tGYPl t,30 40bb8 IL MARlUN 8Af~,.;_ C,F MARJLN 459 24042. lL MARKHAM TRl-.S.lAH. BANK. 65 15880 IL HARlINSVllLE HARJlNSVlllt. ~TATE BANK 0 0 0 0 0 0 0 10b7 0 0 0 0 • 0 0 055 0 O - · - 1!1S ____ 0 ____ .o _ _ __ 0 0 0 0 0 0 0 0 0 0 0 0 • • • O • 0 140 Cl 0 0 0 0 0 1~ 84!.t 0 O 0 0 • 0 3$b O O • 0 0 0 0 0 ----~- 0 --S~3 0 211 0 0 0 19&1 0 14-1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 O O 0 0 0 • 0 • 0 0 --- · · - - 0 • 0 • 0 0 • O • O • 0 • 0 • 0 o ___ 0 0 o __ bb 0 o O 0 ___ 0o ____ •• ___ O 0 • • __ a o o o • 0 0 0 0 0 0 0 0 • • 0 0 0 0 0 0 0 0 l8b7 0 0 0 0 0 0 0 0 0 0 0 • • • O O O • 0 0 0 0 • 0 926 0 0 0 0 0 0 0 __ g 0 • 0 0 0 0 213 0 0 0 O O • 0 0 0 0 -- • 0 0 0 0 • 0 0 0 0 • • https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis __________________ SE.NEflT. TO BANKS-COVERED BY f1001FlEO S. 8~ _ _ kONHJ:.HSE.R BANKS 111 DS8 NAME LOCATION --------·----717505,S 11A.TTESUN-RlC.HTON BANK 717!,,0H!,, HAYWOOD PROVISO !:>TAlE. 6ANK 717!illl HE RCH"-Nl S C. HNfAC. TIU:kS SB 111;140 rlR!.-1 ST ATE BANK _717~215 MIDLOTHIAN STATE. bANK 717~·ll7 ~LAC.l'I.HA,i1K. S. J Alt bANK 717!ii20 Cllll~NS !>Ii OF- MllfURO 717~U,0 1ST fARMfkS ST bK OF- l'll~IE:R 717~275 1Kl-C.OUNTY t'K Uf- HlNOOK.A 717~340 _ .711:>Jb5 717!:1410 711 ~412 117 5,43.3 817 54~5 8 17 !>400 _ 71755(13 7175,510 811:>550 8l755SS 8115:'.>bO 81755b5 _717~570 717~025 s11::i100 7l75750 817!> 780 717~79b _ 7 l75b08 717~6.25 8175830 717583~ 7115843 711554b - 717 !>d-<t& 7175851 7 17S855, 717':ibbl 7175b10 7l7S8&0 _ 71150'1'0 7175910 & l 7~938 817C>010 717e>030 7 l 7C>Ob0 TCiEP .. 27bb 33-' 13 b97 349 351 291 :3't2!i8 3bti€8 ___ b31 KATTESON. MAYWOOO HtLkOSE. PARK lL IL IL ME;NOUTA IL HlOLOlt1lAN. ___ _______ IL MILAN IL MllfllRO IL MlNH.R IL 207()-'t 27'-t54 lSbbl l4H:IS 13663 •• ...."' 121 VLTCSH ------~----- ------- H!N(JQKA IL MO~HVJUIH TR hAU SVGS M~MOUTH 28:)0S IL MUNT ll.ELLQ _ HK~l !,lAlE. BAN,.;, lL 23¼b7 SMllH lk.UST AND !,AYlNC.5 BA.f-1<.Ji,lukklSON 3tiol0 IL MHl TESlOi: CC.UN TY bANK Ml.JkkJ.SUN 13709 IL MO~ lUN C.UMMUNl lY bAN.11.. HURlUN lSbl~ lL eA"tl'. OF MUUNT C.AkME.l MLJUNl CARMEL lL 2bl48 SE:C.LJRllY bANK AI\IU TRUST co MOUNT C.AkMl:L IL b0730 COUNTRYSIDE bANI<. MUUNT PROSPE:.t.T _ _ IL ____ ~ · - - - - - ~ _ 2941', MU.INT PRCiSPECT lb!>B98 "'LUNT PRG!,PECT ~TATE IL FARME.H.S ~t bK UF STERllr-.GHlJUNT Sl E~llNG IL l 740S HOJNl Vf.RNON BANI\ OF lLLlNU IS IL 19934 VERN(JN FIRST t,ANK ANO TkUST co 394b0 IL MOUNl \IE:RNUN t,7074 SC bll.& TR CO OF Ml VlRt-tON IL ____ lL f<'.OUNT HON llON 5,lATE. i:,ANK 17353 !JA",jK Of- NAPl=kY ILLE NAPERVILLE IL 71701 ST ATE bM-lK OF Ni:.W A.THl:.NS NeW AlHE.NS 14884 IL 37997 Lt:t10X STATE BANK. New Ll:.NOX IL NE.I'll ON 1-'t:.UPU: S S TATi:. bANK. "tl5bb IL NILt.S DE/''IPSTE:R PLAZA. STATE: tSA.NK lL 2511& BANK UF lLLl:'!UIS IN NURHAL NORMAL lL lb3lb PLAZA (.)Rll/t:f.IN bA.\IK NURRlDGt: 27549 IL NURRIS C.ll't' STATE tSA.NK. NOkKIS CITY IL 144b~ NL;R lHbkOOK. TKUS T ANO SAV JNC,SN(JR THbRUOK 16454 IL NOR THfli:LO BANI'. OF NU~TMF-11:.LD IL 241::133 FIR~T 5-ECR TY 81'1.. OF OAK BROCKOAi< bk.OUK lL 21038 ____ IL OAK. bROU!<. BAM OAK eROOII.. 715b0 lb242 bA''4K Of- OAKdoRUOK lERRAC.E OAK bROOII. TERRACE: IL l"HERSTAH. bK OF OAK F-ORl:.5,T OM f-(1REST lL 2951> t1ERlTAc.t:: bANI(. OF OAK. LAWN 19b02 OAK LA',,N IL OAK LA.MN OAK LAPIN TK. ANO SVU bK IL !>&l9b A.VE:""-.Ji:. 8A1'1K ANO lRUSl CO 95,727 UA< PARK lL Fifi.~ T tsA~K OF OM, PAkK OAK PARK IL 65b9b Slti URttAN Ht ANCJ SVG HK IL 06040 OAK P.Al-ttc. BA~l'f. (Jf,- 0 FALLUN 0 FALLON 2&019 IL OLNE:Y TRUST ANO BANi<.lNG co OLNEY IL 28138 MWE:R.SUN !:.TA.TE BANK CJNE IOA. IL l54b7 ORION ST A TE: bANK UF- lJRlO!\I IL 2 !>2b0 "' .... 2/22/79 ..,,. "' "------------- ••o ,.. b5 IS& L.2'1 138 3•9 135 278 3>9 •33 3b5 12b l;jO 2'4 494 •o> ·--- IIB ,n 191 ••o ,01 ,.. 230 >58 122 602 4'b0 .299 307 •3• 5bb 2•• 71L 10)0 715 t,92 .20', 315 107 127 131 I-, 1977 New _ RtQBAL ·---- EPA 151 NEW RfQbAL 0 0 0 0 8 0 0 0 0 0 170 ~ - 0 - . _ o ___ o 0 0 0 0 0 0 0 0 0 ·o 0 0 0 0 3> 0 39 0 0 0 0 0 0 0 0 0 ·O 0 0 11!,4 0 0 0 0 0 1Sl3 0 3512 0 0 0 0 0 0 0 0 H• 0 0 lbb~ o__ . 0 0 0 1329 0 0 0 0 9 0 0 0 0 173 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1305 0 0 0 0 0 0 0 l'tbl ·----·- 0 0 0 0 0 0 0 0 0 0 500 0 0 181!) 0 0 1010 0 ·- u 0 0 o· 88 0 0 0 0 0 0 0 0 134 0 0 0 •• .~, lol Dlf 131-1~)_____ __ 0 0 0 0 0 0 0 0 0 _O 0 0 0 0 0 0 -1513 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 ..• ..•• .... .. ·--·-... --- ---·--- .. .. ..• .. . ~ Q) https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis BEHEfLL TCL.BA>U<S--COVEREILBY- M00lflE0 S. 85 __ ---NON.M.E.KBER._bANK.S 0~8 NAHE LOCATION 717b090 ORLAND STATE BANK ORLAND PARK IL 7 l 7bl05 OS WE.GO COMMUN I TY BANK OSWl;;GO IL 717bll2 lLL!NUIS TR &. SA.V BANK OllAWA lL 711t.ll7 FIRST bANK. &. TRUST PALATINE: IL lL ___ _ _ 8176130 FAk/'1E.k5. STATE l:IAN,<. PA.Lf:S TINE 7170155, PALOS ~AM ANO TkUSl PALOS HEIGHTS IL PANA 717blb~ PEOPLES BAN~ OF f'A.NA IL 7 l7bl80 EOGA.~ CUUNTY l:1ANK A.NO TR CO PAR!~ IL 7 Ht,185 1.U.N~ OF PARi<.. H.11<.f:ST PARI( FOREST lL 7l7bl'>'b FlR~T S lATE bANir.. (. T RU.S.T C.0 PARit.. RIO(;E lL _ _ 7170310 JEFFE:.R~ON lR.USl AND SAVINGS Pl:ORlA IL -------PEOklA 7170313 MADISON PA,.\111, SANK IL 717t:.3lb St1EKIDAN BANI(, PE.OR.IA lL 717c.320 so SlUE. TRI.JS T ANO SAVINGS BAf'l:OH.IA. lL 7 l7b330 Pt:OTLNt:: bJII. A~O lRUST co J't.UlUN.E lL 7 l7b33b C.OLUNIAL TRUST C. SAYINGS BK. PCRU IL ' - 8171:13'70 MURPHY PIIALL S.TAlE. SK. C. TR C.OPINtKNE:YVlLLE. - · - I L -------·--~ Pit TS.FIELD 6 l7t;,410 FA~Mt.RS S.TAIE bANK. IL 71 l b450 C.0"111UN1 TY 6"'- 0 F PLANO PLANO IL 111b~b0 FIRST S UTE. bANI<. PRl NC ETON IL 7176565 PRl~Ct.VILLE STAlE BANK PRlNCt.VlLLE IL 8176590 ILLINOIS. ST BK OF ou1r,jcy QUH.iCY IL QUlNC. Y _8l7bbCO 11E.RC.HA.N.11LE lR £. SVGS 811. IL 8176630 STAlE S TRtET BANK ANO TRUST QUINCY IL 8 l 1bb32 TUWN (. CNT BK OF QUlNCY QUINCY lL 7 l 7bb47 bA~K OF RANTWL RANTOUL lL 7l7ob70 RAfdU.N STATE: BANK RA.RI TAN lL 81761-40 GALLATIN C.OuNTY STAlE bANK. RIObWAY IL 7170750 RIVE.RDALt:. BAr-.K _ RIVt:KDALE IL 717b7o0 RIVE.R FORl:S l ;T BKtlR CO RIVER FOREST IL RlVtk GROVE. 111b1b~ RIVE.R LRGVC. 51 BANK. IL 817b600 CRAMt,1.JRD COUNTY STAT.E bANK. RUblNSON IL 7 l7bb48 ALPINE:. SlAH: BAl'.K. kUC.1<.fURD lL 7 l7e8!:io C.Oll.;l'dAL b,;, OF ROCKFORD RUC.K.FDRO IL --· 7170800 NUR l11Wf: ST tiANK LIF RUCJII.FORD RUCJII.FORO lL - - - ---·--------7l7b6t,,9 UNIHU 8A.Nr< ~f SUUTHGATE ROC.KF-URO IL 7I7beD AMC.RICAN bANK LF ROCK IS.LAfr()Rl.CK ISLAND lL RUC.~ TON 117e,8t,!:i HAC"TU'lillf-1 STATE: bAl'-IK IL 7110887 SUbl'.BN 61( OF ROLLING, ME:AOOWSROLLlNG HEAOOWS lL 717ot190 FIRST BANK. Of. RCJl1EOVILLE: RCI-\EUVILLE lL RUS£LLE TRUST 7170910 RUS~LLE. 5 T lL ·- ·-·-------·RC.UNO LAKE lL 7llt>4"", f-IRSl S.TAlt: bANK SANL,W ICH lL 71770~0 SA"'iL,WJCH STATE. tlANK. SCHAUMBURG 7117102 SC.HAUNdURC> SlATi:: BANK IL S,CHAU,"IBURG 7177103 HOOC,F-lE:LU SA.NI( IL 717710~ t1ERI1AGE BANK Of SCHAUMBURG SC.HAUMtsUkG IL co co "' . co ( 11 T0EP 51310 -·----- ·----------··--2.l22J'l9 131 1977 _ ___ JlE:Q8AL._ 121 VL TtSH 11727 13473 29321 88' 223 232 408 17325 19U D -'t95b7 2b227 7b2 347 0 0 0 22521 286, "~fl43 44112 125b71.t 2745& 4055b 44"69.3 22313 18989 20031 37b 3% 3"tb2l 15bit 3778.,, l6b0b 70684 182.47 2Eibb5 lb39'4 23147 19168 lb':i129 b91b1 80223 140!)4 32~94 17373 24159 17297 lbl3b 23359 15~0!) 20436 lbL71 &0713 22503 21;9!)3 41.t.,,9!:i 41900 l9b75 3307 433 994 795 2b3 lY8 281 354 223 298 14b >77 bl0 >37 338 392 . 127 ,., l>b 209 392 273 492 33Y <>92 387 207 220 2C>4 705 757 3<>7 738 500 297 0 0 0 0 D 0 ··- D - - 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 (51 141 Col DIF NEW EPA ~REQBAL_.(31-O) _ _ _ NEW 24<> 0 0 0 0 -174 0 0 't3..: 30<> l't09 0 0 0 0 0 0 17 0 239 0 lb84 lb39 0 0 0 3< 0 1147 1893 0 0 0 0 D 0 0 0 0 0 n4b 0 0 0 398 0 0 0 0 0 0 0 0 0 0 ·---·- u____ 0 0 0 0 0 0 0 D 0 0 C 0 Q 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 o· 0 0 0 -54 H 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 .. ..• .... ..• • ....• . ... .... ... . ..••• ~-- ----~---· ----- ~ https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis _ _ _ f,IQNJlfl'l8cR .8AkKS - - - - · ckEflLTO BANKS tOVEREO .. bLl'lOOlflEO S~BL--.. .. - - . - -------. ·- ,~, lb) 1,1 121 131 New New Olf VLTC.SH 1977 · - - - · - - · .... REQBAL_ ..... cPA _ ... Rt<.18AL .. 131-l~L 111 ass NAME LOtlllON --·----"·--~--------------- TCfcP ·------- 7117130 HRST STATE BANK. OF SHANNON ShA.NNc.N lL 22 ll~ 8177200 CITIZE'.'4S STA TE 8ANK SHIPMAN 19570 lL 7171215 BANK OF SlLV IS SILVIS 34"t9b lL 7177223 OLD OktHAkU ANO TR CO 95.c'..:)l Sl<.01\JE lL _ _ 7177225 51',.0J".lE. H,USl ANO SAVlNC.S BK. 51(.01(.11; .. _________ IL. ---------·--800b~ 71772t..0 FAR"1EkS Sl AT!: t:I.A,NK S0."!UNAUK 23C,-47 lL 71772b0 ~UUlH HULLANlJ TR r. SVU BK. SWTH HOLLANO 119529 lL 11 rnc,2 JH(JkNRl DC.l STAll BA~·M. SOUTH HOLLAND lL 17270 7177.293 BANX. Of- SP~l~F-JHD S.t-'Rl~uFHLO lL l3tib5 7177.i:.'ilS CAP bK. C. TR C.O Uf- SPRNl.fLO Si,>IUNGFJ f::LO 57507 lL SPIUNl>fIELO l3'tl9 ~ 71773C2 flRH S1 AlE bANK lL ----------717731S LAND UF LlNCLLN BANI<. SPRJNC.FlHO 45,b-".b lL 717732:S lO'rlN .tNO lOVNlRY BANK SPRJNLFH.LO )107 l lL SPRJ"4:t, YAllt:Y 7177330 SPRlNC. YALLl:.Y CllY ijAf'.4K 29~0& lL 1~4('.b 717745,5 &ANK OF- SlRONGHURS.T STRUNi,;HUF<.Sl lL 7177411 STAH bAN..:. Of- !>ULLl VAN SULLIVAN 14972 lL )5,'198 _ 7171472 ARGO STATE SANK SIJl1MlT · - - - -.. lL 7177510 F-lR.S.T lR AND SVC. BK T AYLl.JRVl LL E lL 5,91bb !>922b 7177580 BRt."\EN BAN'( t lRUST CO l INLEY PARK lL 1 H'<lLtY PARK 71775,b~ TlNU:Y PAkK BANK lL 26~36 717765,0 STATE BANK Uf- lOULOli 22203 TDJLO!'i lL "t3470 7177735 C.HAMPAlC.N COUNTY bK t TR C.0 Uk6,ANA lL 145,97 _ 6177820 UkOVtR~ STAH &ANl'f. VlE'<S~ --------- . l l ..---~-----~lt,739 lL 8177670 f-RMR t MKC.HT ST bK Lif VI R.OENV lROtN l&Olb 117769V PlTHlSH S!{lLCS ANO COMPANY V'lRC,lNlA lL 15,315, WAl t-RLOO 6171990 CO~ME:KCIAL SlAH: BANK lL 2<,74t;,, WAT~E.KA 1118020 f-lRST lRUST A'IO SVGS lL WAUl'-.EC.AN b31J40 7176038 ~Af'..K OF "'"-UII..EGAN IL _ 717tl090 Wf:.LLlNl. TLN STATE.. bANK.. WELLlNGTCN 152.C:B ll --~-----------2:t;,431 Wf:-ST CHIC.AGO 7178130 W~ST CHICA.GU STATE:. BAM< lL 34H62 WlS 1 FRA'<FORT 8l7bl50 8.Af'..K OF l'lf.S l FRANKFORT lL 24439 817bl53 FIRST tO"IMU~ITY bANK Wl::S 1 f-RANKf-ORT lL 477t;,,3 MtS 1 MUNT 7171::1155 bl.NI'.. OF Wl:.STMONT lL bb07ts 717bl&4 t>A~K OF r1HCA TUN WHl:A llN lL 7 l7bl"Jll GAkY WHl:.AH.if~ bANK "lb093 lL - -----------W~EATLN 3b499 717619) HAMTHORNI:. Mt1l::,'llJN lL 717b2l0 Wt-IE.HING TRU.ST f.. SAY lNGS BK WHEl:.LlNG lL 103100 1157.i::5 717b250 WlLHl::lH: b~Ni<.. WILM!:.llC lL At!>9b5, 7178310 WlN~l.TK.A bANJ<. WlNNtU.A lL WGQU"( lOt..E: 14176 lL 7 l7ts3't5 HE:R IT AC,.l:: bl\N~ OF WOODRlDc.E 42':,~5 MUOU51lJC.K lL _7l7b370 51 ATf: BANK. OF '"LIGOSlOCJ<. lL 5'1'10.l 717637) WOKlH bANI\ Af'tO TkuS 1 WURIH 3684b ll 817b445 8ANK OF- ZEl~LER ZE:lGLER IL bb419 71164~0 ZION STA.Tl: 6ANK C. TRUST to ZION "" ·~ ••N< OF 35b BANKS AFFE:CTEO lN STATE: ---------------- 78 99 ~22 1051 bb9 l()l bb:, 316 201 ~•a ue ~-.,. 688 346 1,. 716 1060 lObO 601 83 '102 . 133 lBO S9 174 327 6% 67 ~29 ,1 .. 390 ~n 378 1207 .,, •96 610 3BO 201 ~09 ·~ 749 138 .. 0 0 11, 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 11bb .... 1371 · - - .. 0 ,27-',) 0 " "t72 0 0 0 0 0 HO 0 0 0 0 0 0 0 29 0 0 0 0 " 0 0 0 0 0 0 0 0 0 0 0 0 0 1'1 lb> 0 9, 0 0 0 0 0 0 '41 0 0 0 0 l~I llbO HbS 0 2275 . 3137 3>• 0 0 0 0 0 0 0 0 0 H3 37' ~ 0 670 0 0 378 827 HAVE: NO £:ARNINC.S PARTltlPATIO"l ACCOUNT OR Rf:QUIREO RESERVl:: BALANCE: .... 12:b __ HAVE NO R<CUREO RcScRVc BALANtc 213 Z/22/79 0 0 0 0 0 0 0 0 0 0 0 0 -5,5,0 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 -553 -37At 0 0 0 0 0 0 ... .. .. .. .. .... . .. . ..•• - ·-- ~ 00 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Cl> NAME OSB sieo2aC1 61b03CIO 71 bO"tOO -~ 7100'910 8 ltJ0440 719(1450 711:10470 7180490 8180570 _ 81&05f.15 71€0620 7 lb0b40 7 lbOboS 7180070 7lt101't0 ~ 7 lbu115 71808 l5 7 lb08"t0 8 l80C<:.O Blf:10900 7100910 _ 7180'i40 1180970 7180990 dJ81010 7lt!l03U 7 1810l>8 _ 1lbl0b0 7181170 1181210 7181130 718 1250 &161400 __ 818l't20 1181440 7 lb 14b!> 7181"-bO 7181't'i0 71Hl500 TOEP LOCATION 121 YLTCSH -·--------- - - ~ - -------- -- ---- ---1180020 718V080 7180090 7180110 _7180210 7180.2£0 71BU2.30 ________________ 2/ZZ/77 BE:NEFll TO BANK.S COYEk.ED &Y _HOOlflEIJ S. 85 _ _ NONHEH.BER. &ANKS AKRON E:XCHANC.1:. STATE BANK AKRON ANClE:~StJN b.\NKING C.O~P~Y ANDERSO'i C.l T lltNS. bA~"-lNY COMPANY ANOE.RS.ON ANGOLA SUH· BAr-..JI. ANGOLA BAKURSVILLE STATE bAfiK. bAkGE:.RSVlLLE. 8ATE5.Vlllf: STAlE. BAN~ BATESVILLE FIK~T BANI\ (. TRUST CU BATES.VILLE BEOfURO s1or-..1: CITY BA..°""- Of- bEOFORO BL(JUMf-IC.LD STAH. bANK EILUOMFIE:.LO MUNkOt: l.OUN.TY STATE bANK BLOUMlNGlON f-ARI-\ERS ANU HE:kChANTS BAfl.lK. bLUf F TON PE:Lf-'Ll:::S. TRUST ANO SAV lNGS bKbl.ONVlLLE f-AkME:k5, ANO ME"C.t-lANT5, bANK. 8U!:iWtLL flf<.5,1 TR CO Of CLAY C 1Y8RAZ IL BK " ElkE:ME:N BRt;MtN Sr.TATE BANI\. tllJH.NS ~U.lE bANK. bkO"NS.lOWN bk.DwNSTUWN PHJPLE:S BAN,<,. ncnES. STATE BANK C.AMl::!RlDGE:: CITY CA~tJl~ STATE BANK CAMDlN FltJELITY 8ANK. Of- lNDlANA C.ARMEL UNION HAJE bANK C.AkMEL tHI.JRU~USCU SlAlE bANK. C.HJkUbUSCO C.LlNTLN STA fl: BANK CLJNlW C.ULUMbU5, C.Ol\.Jf•WUS bK £. l~UST C.O CLLUMbUS Ar<.D TR CO JRwlN UNJUN (.(JR 'flJUN 5,1Alt bANK C. lJR YGUN (.QR YO(JN UL(,J CAPITAL bK AND TR C.O FOUNTAIN TRUSla COMPANY CGVl1'.GTON ELS TLN HK ANO lR CO C.kA,fftlRDSVlLLE. CtWMN POINT CLMMLRC lAL BANK STA.TE:. E. X.C.HANLE bANK CULVLR I.IA.Lt; ~Lt: SlATI::: &At~K Oo\~tVILLE. STAlE ~ANK 0.6.NVllU:. DEC.A ll.J{ Ul:CATUR. BAN"- AND TKUST C.O UNl(N t1ANK. ANO Jr{USI CD OE.LPHl E:lJlNbURU STAH: bANr<. t:OlNOURb E:LKHAkl ST JOSEPH VALLEY .BANI\ lLWUL)O 5.E.C.LldlY bA-~K f.MlNtfl.lCE '10k.CtA!i C.OuNl Y ttANI\. & TR fAkl'IEKSBURG Pt:01-'LES STATE: ti ANN. F t. /'\ bAN~ Of H1Rl SKANCtt flJR. T b~ANCH _ fOKl WAYNE Ar-nt-1UhlY wAYNl bA~r<. SUH WAYNE lNUI,V"A BANI(,. Ar'tD TRUS 1 CO H,kl WAYNE PHiPLES TRUST bANK fUWLE.R FOMLf.k STATE tsANK. fRAtttESVlLLE PE:UPLE.5, SB Of i-RANC.ESVlllE: •• co IN IN IN IN IN JN --------- ----~ IN IN IN lN IN IN IN IN IN IN IN . 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TR C.O FKANK.llN UNH.N ~AN'<. AND TRU!JT CU1'1PANYFRANJ1,,LIN f-lkST VALLEY BANK GAS CITY U.NE:VA BAN"- OF C,H4EVA SALtM 6ANJ!,, ANO TRUST COHPANYCu~HtN C.kAblll bRAtHLL fjANrl Gk.EE.NflELO tU,Nll..lNb LOMPA.NY C.k.El:NF-lt.LD TRUH HANU,lK bAN,<,, C.kEE:l"IF-H:LO • IN IN IN IN IN lN IN IN IN IN lN IN IN LH.A1Uk COUN.lY BAN.II. URl:U~5BURG UNluN BANI',. AND TkU~l C.OMPANYGkE t.N!.BURG STATE BANI(,, UF C,,kf:ENT0"1't <.kEE.NTOitN HAMlt. T HAMLET ST ATE BANK 1• IN hCJ05H:R STAii: UK Lf- !NOIA.NA tiAMM(Jr-D C.11 lll:.NS STA.H bANK. HAK.lf-ukO C.lTY lN Hli..HLAND BANK. OF Hli.,HLANO IN Hlll!)b0/.(Q lN HlllSbOkO STATE bANK. CU."~lJ~llY 5TATI: bANK HU.'-41 lNGlON IN PEuPu:s BANK A.NO TRUSl lNOlANAPCJLlS IN DUUUI5 CW'-'TY BANK JAS...-1:.R IN JASptR IN C.E.f.tMAN AMl:.RltAN bANK JE.f f EKSONl/lLLf ___ lN Clllll:.N5. ~A~K r. lKUSl (LAkl( COLINTY ST ATE BANI. J t.F f E RSONI/ lLU: IN IN C.AMPt$ELL ANO FUH:.R bANKERS KENDALLVILLE IN KENI.JALLl/lLLE bANK. (. TRU~ T C.01<.t:NlJAl LVlLLE: Kl:.NlLANO IN Kf.NTLAND b~"'X. K.NOA IN f-ARMERS BANI( AfllO lRUS 1 CO _ _ _ _ _ IN_ UNlUN. bAN!<.. AN.□ lkUSl K.LK.01".0 A~ll TRU~T CO LAfAYElTE: IN l.AfAvtllE fARl".EH.~ ST A fl:. bANK. LA6KANi..E: IN F-ARME:RS STA 1 E BANK. LAP AZ IN LA PuR 11:: tiANK. ANIJ 1RUS1 LA PORTE IN BOONE; (OU"tff STAH: U:BANON IN _________ IN C.l T lH:NS EiANK. ANU TkUSl LEBANON FE.OF-LES ST A. H: ~ANK. LH.~tlUH.G IN A~E:klC.A.fll STA TE. bANi<. LlC,LN I Ek IN LlflllUN IN Pt!JPLl:.S TRU~ J (UMPA.N'( STATt. &AN!'f. Of- L H T0,1 LHlON IN IN fAR1"':ERS L Mf;kCHANTS SlA.lE bKLCIC.ANSPORT Lt.OU.,OlEf. . IN ---· LJf1lC.1N 8AM MAD l ~lJN IN flR~T bANI<. Uf- MAlJlSlJN l'IAOlStt-, IN MAIJlS.ON BA~I\ ANO lRU~l MAkl INS VILLE IN INDlANA BANI',. 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LF MllCHE:Ll MlTCHE:.lL SlAH AND SAYINLS BANK MO"lT IC.ELLO MU:,,jJ PE.L.lE:R BANK 1-lCl'llPHlE:R C.l l llEl'.£S b.\NK MUOKE~VILLE CE:~lRAL bAN"-. t. TRuS.T Mllkr-tlNGSlOE Pl:GPUS BANK. AND TRUST CO. MLUNT VE.RNDN HlLL,SlRlAl lR.U~l &. svc.s BANl'..MU~LlE ·:-.A:,..1-1•11Llt. SlAlt bANK NASHVILLE AMtRlCAN blo.Nf(. NtM ALliANY FLOYD (.Ql,NJ'f BANK Nb< ALbANY MUTUAL TK.UST CUMPAI\IY NtW ALbANY Ut'ill,N bK. f. TR l!f- NEW ALBANY Nf::111 ALdANY __ CITIZENS STATi:. t!AN.'<.. N~PI CASTLE N~'~ P'-Ll:Sl lNt bANK. :.it\.! PALl:!:,TlNE ClJ JHNS SlATE: HAN,._ Nl:WPUkT t~E..i NA!:.Hl~G 1 CN S 1 Alf bANK NLW NASH INC.TON WAl,',,4RJloHT BA!'.I,._ ANO TRUST CONU/3Ll.:.!:>VlLLE AMUdCAN SlATE BANK NURTH JUDSON l.l\lUlANA LA11Kt.NCE bK &. TR CO NuRlH MANCHE.STER __ UNlLN l:\Al'.K. AND lkU!:,l (.QMPANYNURlH Vl:kNUN C.llUNJlNG H!JUSf:: t:P.NI( NLJR TH 'ntbS IER OAK LANO CITY 1ST 1.1!<,.tl~ CU OF- L,Y,LANU LY BAN.K. ur URU:ANS Ck.Lt ANS USS lA>14 STAH ti AN.I\ US.S l AN STAlt: BA,-.!\ OF- U.llfORO OXfl..lRLI HARRISON l.lJUNTY BANK PAL~'t'kA ORAM.,E C.OlJNl Y bA~I'.. PAOLI PENl•LE: TON t3ANr',, INC. C.UMPANY l'EJHJLtlON PEW..U 1KU5T (.QMPA,'1Y f'l::R.U '1"1At:A$H VALLLY F'l:RU £ TR CO M.AkSHALL LO\JNl't t~ C lK C.O PLYM. □ UlH ClJlZl;..'11~ ~:<. UF- f-'fJk I LAND f'OI\ T LANO PL,'l l LAND Pi:Or'LES CAN.I( PRlNC.l:lCJN C.lb!)U"',i CW!\ITY BANK RlMlNC.TUN STAH BAN.X. LJF RU1lNC.TtN IUNSSt.LAE:.R S1 AH: B"' OF- RENSS~LAl:R fUSirtl., SUN klS!N.G SLl't STAH. bAN.1',. ROALHOAL E TRJ-COU~lY BANK t. TRUSt KlJA~m STA 11:: E XCHA~C,E: bAM<. fAR""l::J(S Al>tO M.E:RC.HANl~ BANI'. Kl.iCH!:.SlER. RGCKVllLE P.Afl.K.I:: S 1 AIE tlANK. 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N) .... C11 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis -l'ffJfflEIIBER_BANKS _______ _ _ _ _ _ _ _ _ _ 8£1<EFll lO BANKLtOVEREO_ay_HQDlFlE~ s._B~------- 11 l NAME DSB SALE.H SAN PIERRE 8 lb4020 JAC.i<.~ON COU/141Y SAf,,iK __ 7 l8<t0b0 A/'1.E:kltAN SU,lE. bANK 7184070 SHlPSHtWA~,\ Sl ATE: bANK BU:.4090 7184140 718 .. 19(.! 71&4~00 _818'-240 7lts43l0 7164350 7 lbzt43D 71&4450 • 7184415 _8184520 8lts,,,540 11.84.SS~ t,Hl'tSbO 7lf:o4!>90 7l84b00 __ 7184bSO 8 ll14bbl.l 8H1<tbl:IO 718482.0 718"ib30 718"9850 _ 7164tl80 718't8'Jllt 118't<i00 7164',30 71&4900 7 U, .. 990 CJF SANTA CLAUS SHMOUR lN lN lN 'tB0't4 bbb 16357 lb2bl '" 4245''4 ZObt,9 4L307 J!,870 2b825,l 214 244 946 _l&O 3b> l5'2 5,11E:klUAN lN SHI PSH~WANA lN MAJ.lll,,_. C.LUNIY bANI';. SHOALS IN ST .JO!:.E P~ BA,.,.K Af.l(J TRUST CO StulH BENO lN F-lRSl bANK & TRUST to SPEEDWAY IN Uwt;N COUNTY SlAH HANK SPtNC.t:R lN SULLIVAN SlAlE: bAkrr. SUL Ll VAN ~--~-IN SlATE t>A"4K Of SYRACUSE SYRACUSE IN JND1AN4. SU.lt 8ANtc. H::RH.t HAUTE IN UNION CI lY IN U~ Il.JN 1 RUST C.UMPANY UPLANO lJf'd l E:O tiANi<.. lN VALPARAl~ NOk THt::kN lNO 6tc. L 1• to IN VE:\IAY OE:PUSl l bANtc. VEVAY IN StC.URlTY a, & Tk C.O VlNC.E.NNE:S 1N fRA~CE:S SLIJCUM 8K & TR to WAbASH IN fARMtRS 8ANK AND lRUST CU WAOE:SVlllE IN WALDRW STATE bK OF WA LORON 1N C.AS~ (.OUN.TV ST All: 84'\IK WAL 10N lN N_ LAt<..E: CITY C)Mt~ wAA::,A',f WASHlNGl(H Cl THENS ~~Nt<.. Af'iO TkUS.1 co lN lN WASHING TON SlAlE. btc. Uf WASHH1GTON WHl Tl~G IN M1t:RlCAN TR AND ~VC,.S bANK WHl 1 lNG, IN flkST bANtl. Of- 'ffHlllNG Cl l llt::NS. Sl ATE. bANt<.. WlLllAMSf'ORT IN ftf:.LPLt!i. LUA:t £." lkUS t co WlNC.Hf:..S. HR -~-IN WH,LHt:ST CR IN RAr.WLPH cou~T Y tlAflr.tc. wlNLfALL IN UNlUN .S.1A11: ~A~K t>AN.K Of. lorULCOT l wuU.OlT 1N FAM.nRS STAT t::: bANtc. illYA 1 T lN llONSVIlLE lN fAkMEKS. STATE ~ANK l 72 bANKS AF F 1:C. 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BANK 8183975 SPE:NC!:.J.l CUUNTY f,A~K 12) - - - - - - - - __ 2/22/79,_ _ _ __ 2090 1267'-l'I 1763 4&9 '4Ci0~U !10416 253(10 £2b l81 932 416 b2242 l.01!>9 lti47't 125729 152&4 8109b 2Sb32 't20B8 2 2tsb2 1~57b 8114) 32642 '" 113't - 18b 1209 l95 2b2 3b3 150 &70 3b3 21310 £02 2:HSl 468 864bb 2 .. b55 2t.44b Ht>O 27> 2292~ lb408 >57 37Y 3>7 1"'4)1 93 2~73!, 2099t> 317 3>b 0 0 0 0 148 0 0 0 ___ o____ 0 21S 0 0 0 5202 0 3H4 0 24 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Atl 13 0 -'tll3 ---- ACKLEY STATE bA~K llALLAS COUNTY 5.TATI:: BANK kACtuON VALLl:Y STAIE BANK FlR!:i,T IOWA ~TATE: bAhK AC.KL CY ADEL ADl::L ALBIA ----- 0 0 0 _ _ - o __ ___ bltb.~-· O__ ~ __ O - - ~ - - 0 0 0 0 0 0 0 H5 0 0 0 0 0 0 0 0 0 2121 0 0 _____ o ___ 0 --~-0 0 0 i259 0 0 0 0 0 0 298 0 0 0 0 0 0 0 0 0 0 0 _ _ 0 ____ 13,49 _ _ _ 0 0 ------0 0 0 0 0 0 0 0 0 0 0 0 0 1246 0 0 0 0 0 0 o ___ 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 40 0 0 0 0 0 0 0 •• ..• .• .. ... • --~--- HAVE NO t:ARNlNC,,$ PAH.TlC.lPATlCIN AC.C.lJUNT OR REQUIRED kE$E:.RVE bALANC.E HAYE NO Rf:.QUk.EO Rl:S\:RVE BALAfltCE ------------------------------7190010 7190030 7l'-f0034 7190060 ... ... . .. IA IA IA IA 2239!> .3!>!>9b 15922 17926 102 281 101 229 59 0 0 188 0 0 0 0 0 0 0 0 0 0 0 0 .• .• https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis - ..HONKEH.BER BANKS DSB 7190110 7190125 7190200 71902Ct2 _7190210 7 l'i0240 7190340 7190:\50 7 l9U370 7l(f0to00 _ 7190410 7190490 7190500 7190520 7190S24 719V5~5 __ 1 l90SJti 7190560 719L5BO 719iJS90 7190010 11c;uosu _ 7190700 7190720 7l~G735 71•:H.1600 7190820 7190830 7190850 7l90Bb0 719C873 719088U 71'70d~O 71-10920 71909b0 719V970 7191000 7191010 719l0b0 71'9'1070 . 7191090 1191110 1191118 7191130 7lllll45 7191200 &ENEfIT 10 BAN.KS COVERED 8Y MODIFIED 5,.; 85 NAME LOCATION IOWA STAlE BANK ALGONA THE SECURITY STATE SANK ALGONA UNllJN SH.RY TR C. S'w'GS HANK AHES UNlYCRS.lTY BA<',IK t. TM.UST CO AMES CllUENS SAYINGS bANtr.. _______ ANAl'IOSA A~KlNY SlATi: BANK ANKt::NY ATLANTlC. STAIE BANK ATLANTH. f-lRST WHIT~t::Y !:SANK. AND lRUSTATLANTlC AUDUbU,~ STA. Tl:: bAN!',. ALIOUbON AVOC.A STATE. BANK AVOC.A C.11 ll..EN.S SAY lr-t.C.~ aANK. AVUC.A STAT£:: SAYIN&S bANK 81:.0F-ORO ClTJHNS SU,H:. BANK HHLE PLAINE flR!>T STATE BANK bl:LHONO N~R TH lOrlA 5.TA Tl: BANK Bl:.LMUNO bC:lTU-lDOH BANK ANO TkUS T totiHT tNDORF Sf.-.CUtUTY STAlE: TR t SVGS BK t,t:Tl t::NOORF DAVIS C.OuNTY' SAVlNCiS bANK dLOUMHE.LO BLUE:: Gk.ASS SAV lNGS BANI'. BLUt. GRASS bOONE STUE r. TR CU 8lJ0"4i; f.ARME:RS SAi/it.GS BANK BOYD.EN F-lRSt S lATI: BANK 6Rl JT FAk/'1.ERS Tk.UST r. SAVINGS. BK BUFF-ALO C.E.MlER. _ FARMEkS f. MdtCHANTS !:INK t lRbUkLlkGTON HA,..KE:YE tt,ANI\ ANU TRUST 8URLI~TUN HARTHJRO CAkll~LE sv~s BK CARLISLE C.ARkOLL COUNTY STAH: BANK C.>Ji.kCILL COMMtkC U.L SAY JNGS dANK C.A:RkOLL CASCADE SlAlf.-. bAt-,K. C.ASCALJE CE:DAR FALLS TR t SVGS BK CEOAk FALLS HlCJWAY bANl<. r. TRU~ T Ct:UAR. FALLS FIRST TRUST AhU !:,AVlNGS 8Aflu<.UOAR RAPIDS. GUARMflY BANK. 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Tt BA~K 119!310 C.Ok't00"4 5, 1A l i: bAN!'I. 7191330 f.l.H.J~Cll SU.lfFS !i.AVlNC:,S, bAN.l't 7191350 7191.38(1 11~14(,0 7191-440 7191400 __ 119l't50 7l'H490 7 l',11510 7191520 7191540 719lbl0 71'11630 7l<ilb33 719 lti5D 7 l<t l('.)';,J 71917CO 7191740 _719175~ 71Y17i:,O 7l~lb'JO 7191 ~10 719lb20 7l~l8tj0 _ 1l.'H8<:,0 71~1S40 7l~l~eu 71919'10 719~010 7 l~L030 714.<:'.14!> 7192105 719L 180 719Ll90 71~.:<G!> 719,t::2'10 71~2't50 7 l'i.:.470 71":il..:.!>OO 7192520 7192530 119.2570 COON RAPlOS CURALVI LLE CORYDON {..QR'l'UL:N CWNC.ll bLUfFS. !i.T A. le BANK & 1 r,.usT CWNCIL bLUffS C.kE!i.C.U CRk:!:.CU UNJLJ;-1 !i.AVl\G!i. BANK lUWA !:.TAH:. SAi/ H.iL>!:i b·A./ii\ C.kE!:i l uN 8t'.E"1TON STATt bA\1!1. DALLAS Ct:NTE:R DA,'lVILU: STA lE- !:,A\l'JNC..!:, bA."iK UANV) LLE Fl>t!i.1 lQ..U!) T AND !i.AVlNC.~ bANIC.OAVE.NPOR.1 NUkTr-t,H.ST BANK & lr',,UST co OA.'Jl::l\iPO>t T [JE_((,RAH STATt: BAl\iK Ot:CuRAH Ut.CORAH S.ECLIRI TY BA°'lK AfliO TkUS.1 co S.\IC,S E,K. [Jt'H!i.UN C.kAWfOKD CTY Tk f-lk!i.T F-E.Ut.1-\.Al S Ult bANK DlS MUlNES JO;.A SlAlt rlANK DtS MOl~tS L,,S MOINES F-'lAlA SlAlE b.A- f'-.K LoE:.,UTl ut 'rll 11 bAl\il'I. ANO TRU5T co FHST C.ENTRAL STA 1 E EJANl't [.ltWl TT C.ITllE-.1\i!:,, STA TE bANI'\ DONC-.1:LLSON OUbl.K.IUI:: bA"i"'- M~D TKUS 1 CO DUiSUQUE. !';.E'f C.ITY bANK TJ-:US T C.CJ UUblJ4:UE SAVlNC:,!:,, bKLiURANT LlBl::RlY TRUST DYERSVILLE FlDtlllY b-'NI\ ANO 1 RU!:,,T Sl::C.IJRl fY SA'llNb!i. bANK EAGLE GROVE. £:ARLHAH l:APLHAM S,AV lfl.1.i-5, bANi<. HA.RDlN c.uu:·,1T'1' S.A\llNC.!:. BANK lLDl.JRA. C.E:.~lR.A.L TK I\Nt.> ::,vt,S. bK t:.lDklUGf. PAL(J ALTO C(H.t11TY STATE- BANK t,-..Mt: T S.BllRG f,"'!~.e.T C.O\JNTY .ST A.1 E ~At,,,K, t::,H1tRVll,.Lt: )OMA lkUSl Al'iD SAI/INU.S bl>.NK. 1::5.Htl:kVlllE: t::X(hA~Gt .STA TE oA~K. EXJ k.A f-A.lkFAJt f-Alkf-4X .STA 11: 5-Al/l,'H,S bANK l'IA!'.UF-AL TUil.E>(!i. BA""!{ {. 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BANK. co ,,o " "" ca TOE:P 22~b4t lA lA 212~1 lC/bll lb~Ol IA IA lA 1' IA IA lA IA IA IA 1A IA IA IA IA IA 1A IA 1A IA lA -- - - ---- ------ -·-- - ---·------ lA IA 1A 1, IA IA IA IA IA 1A 1A IA IA lA IA IA IA IA lA IA lA -··-··------- ( 51 N•W 333 227 "H, 0 0 0 0 0 Q 0 0 0 0 0 0 0 91 ~279.C. __ t.::~6 9bL 5:?J.:'.30 0 0 0 2't148 28C.10 29b7l 13lbl 'tbC,31 LB8 38b 0 0 0 0 8::S9;::b 121 39240 2o&iS4 237(><; :;9714 501 118 2.">2 579 641 S66 131 bl 70 --~~----------- 2.bt.£1 --·-~·---- '" 131 1977 N•W RkOeAL ___ EPA _ REQBAL ---------- lA lA Ill VL lC~H UlZ/19 191 •• 967 0 0 0 0 0 0 0 0 0 4b£19 26~28 l~l2b l4~ob llb~3b 1519 207b7 .£,9 0 D lb3 0 0 lb5 0 0 1~7 0 0 13b3 0 159 0 105 0 310 139 0 0 2039 0 103 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 0 151 0 0 0 0 0 2:09 0 0 103 0 190 0 0 0 0 0 "' 0 0 0 0 0 0 0 0 0 0 0 0 0 96<, 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 25b4b 16367 28lb4 14524 2b067 34.!09 28<87 3Cjb3 27991 131>1 12• 121 31b 179 1~ 1'10 2.2.90~ 7154'3 1!>050, 27037 J4!,7~ l !,7b2 15501 lbb!,1 lbb9!, 17414 1413~ .£1767 0 0 1611 ____ (61 Off 13)-(51_________ ~u~ ~-- 0 0 0 0 0 S9 0 JOO 0 2:!>~ 0 0 772 210 1.13 >l bl 1'9 172 94 111 90 ,Sb 0 0 0 0 0 119 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 -·-·· N) ~ https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis -------.NOWIEM8ER 8AN1'..S. ·---------·~------------~-.8.f:N.EflT_to.6ANKS tOVl:REO_ay HOOlFlE:O s._8!, -- ---- ·------- __ OSB 719.£.blO 7192040 719£b70 7192690 _7192110 71'~.dSV 71'1~810 719L820 719263.J 7192840 119~BS(t 1192885 71'12S'":PO 7l~i900 719.2910 7l'n9i.O 71929~0 719.:'9t>O 719~990 7193000 7193020 719..)040 71930:iD 71930C>0 119 .3010 7193120 7193100 719,jlOO 719.3220 7l9,j270 719.J.2:liO 7 I9.J320 719,jJ~l 1193450 _ 719JbSO 71S.3t>60 7193obS 7l93t>9V 7193b9S 7193710 719 . 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TRUST MlSSJGN ,con "' • co • • "' • '" • ---------- KS KS 19272 l 10b9 KS 10127 23"t4'. l 46b74 KS KS KS KS ld0::-'1::1 lS0£4 2 lb.i::2 340::.b 40603 KS KS KS KS KS KS 2bll4 263.i::'f KS KS KS KS KS KS K~ KS KS KS -- --------------. -- KS 12.71 20305 -- 120 24014 27 lbl 260 ~00 160~1 67 KS l4bbb Bb KS KS KS KS K~ KS KS KS 3bbb3 ~96 380 118 24b'io9 16299 KS KS KS KS 2&'tb0 17232 0 0 0 0 -0 0 0 0 0 0 0 0 0 0 0 0 0 0 I 5) NE• RlObAL 0 0 0 lb 't8b ·----0 0 12 1'4 2•~ 0 63 13 0 33 0 147 0 ~01 171 n, 21~ H2 2b0 105 317 ---- - Col 0lF '3J-l5L. 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 91 o _______ 0 0 0 0 0 0 0 0 0 597 0 1' 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 0 0 0 0 0 ____ Hl ___ 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 690 £".,jQC.,4 25979 52770 22204 2'120b 27298 0 0 0 £u"t 205 500 303 332 352 314 lbb44 3l't5~ ------ ------·-- 0 621 465 5,9 304 1&7 20lb~ 16031 ~94£7 20.H9 HA bb 21.::, KS "' I 41 NEW lbb :,es 176 151 lSb t:71 302 243 lbl bb 20545 ..-'.~437 22949 50732 32479 131 1977 RH,bA.L 194 131 32b 116 32',lb KS KS 121 VL TCSH 20221 3310.l KS KS KS 2/22/79 - - - - ~ 20363 l95!ib 2M,!:,,9 - - - - - - - - - ~ - ___ 45bl 7 KS KS 85 -------- --- ...• 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 N> 01 00 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis Ill DSB --- -- _ 2./22/19 - - - - - - ---------~-tU:N.EFll .. 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TOPE.KA lUPl:::I\A lUJ.>1:::1(,A 101-'E.K.A ULYSS.i::S 1/ALU:Y CENH.:R WAKl:::E:NEY 1 ,dC.HllA lllll.t-d lA '41Ct-1llA WIC.Hl TA WlL!-11 lA ,-1}(.Hj lA Ml(.HlTA Ml(hl lA KS KS KS KS KS KS KS KS KS KS KS KS KS KS KS KS KS - --KS KS KS KS 84151 3524b 22067 56bb8 33012 401 480 100 713 469 ~~09~ H.1V6 4~Q'J:) ~O.?ti5 14~33 455 2~177 13' 470 37~0.j 107.).25 10)', 79bl7 KS H,'?7tt 43lbtt 37llb l",b9b 14457 2lbo7 64513 21251 21921 KS KS KS bb342 t..16..:'.2 KS 15367 KS KS KS KS KS KS KS KS KS 1317 l lb4U7 KS KS KS KS KS KS KS KS "' KS KS ----·~~- __________ , obi 202 lb 5b53-'t "961'•2 4213<:I 3b'.l42 14412: 24924 237~4 3tse l'> 1'17.20 1839t:l 04!:ltH 3.t'l'11 21406 32120 1233'-,Y 2bVl9 29701 32623 79> 10, bl I Lb 0 0 0 0 0 0 0 0 0 0 0 0 0 0 500 ,us lb> 3u> lU8 l00b 403 31b 500 8Jt, 571 272 073 0 0 0 0 0 0 742 0 145 C 0 li::4 0 173 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 l9c,~ 0 2 _,0 l3b2 0 0 0 0 '"' 0 0 0 0 0 0 0 18 0 0 0 0 0 0 0 0 0 75b 530 0 bt, 0 0 0 0 0 0 124 472 bOO l>l 242 37 153 008 342 530 070 319 1756 lb) DlF (3)-(5J _ _ _ 0 836 •9 124 15) NEW E:PA ___ REQBAL 0 0 0 0 0 0 0 0 0 0 0 o> New 0 192 421 101 (4) 13) 1977 RtQliAL 277 0 0 0 0 10>1 0 0 0 0 0 0 46 0 0 0 0 0 ~ 0 0 0 0 .-1 0 0 0 0 195 0 0 0 0 0 0 0 0 0 0 0 0 0 ..... 43 0 39 0 ----- ~-- 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 .. .. .• ... .... • .. .... .. 0 0 0 0 0 0 .. . 1:-.:> 01 cc https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis _ _ ,WN/IEH8ER. BANKS __ NAME OSB ---·· BENEfl LTD BANKS_COVER.EO .BY HOOlflED l020t.lb7 WYANUOTTE SANK 1020bl10 STATE E.XCHA'tGE BANK. 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C.\t-.1\ 524 U:.;.O !JUt.tN.'.>f(J,.N t,iANK OF MD 5L'tl420 Cl TI lf:~5 TF~ co UF HO S241~1S AMUdC.AN "'.AR YLAND 5,.:4 1..<:>;o ::,pt._,., .... ~ ~U.H: tl,\,'\:,,. 5.2. .. 15-10 SUC.:LEkS.Y Jllt BA.'tK. OF MD 5L'd ~75, PC.UP!..t:S !>l:.C.UR.1 T't bA'i.;, Of ~o 5.:!'-t lt>!.5 1 A''tf_ '(TLN~t ~Ar1;1;. C T~u~ 1 524 ! 1 .. 0 CAi--.Rl:Ll C!Y bAIII\ C l kUSl CD 1 77/J 1'1E:. S 1 MH• S ltl( 11-tUST CuHPA,\IY ""~,.~,I(," u, s,, Of lDE:P LOCA l ION 0 ~ ~ H □ OIFIEO LEXINGTON PARK H lDULE:10\.IN LIXUN HILL PR.IM:.E f-REOCRIC.K. Pk.INCESS ANNE HD Ul.:El:.N!)TOnN RlVE..RDALE SHYER SPRING HO MO HO !::.PARK!:, MU ~uou:.RSVllLE ~Ul I LA:-.D lANt'l'l0~!'-1 l'lt.STMI~STER. 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OF ll'(Od•ENCit:l"IC.E. lNOt.PE:NOE:NC.E MO ___ Z732.7 ____ 1042 ________ 0 - - - - · 0 ____ _ 0 C.HRlSHA.N SA°"YEk SA.Ni<. l,-..01::Pl:.NDtNC.E HO 2!>0&6 283 0 0 0 0 NCJLANti RU l'IER(.ANl!LI:: BANK HiHPtNUE:NC.E MO !»lt17t, 743 0 3l!t 0 0 0 SlAf'..LtARO STA.la: f=.ANK lNDEPE.NOENC.E HO 27506 407 0 0 0 0 CAP!:. tOU11,jTY BANK JAC.KSUN MO 20853 ',89 0 0 0 C.E.NTRAL TRUS.T t:IANK Jtf-H.RSON C.llY MO 180980 1150 0 !»llt-4 -2292 2292 . ---- --- ·----· -~oo3 *• • • __•_ _ • • • --~~• • • -• ·-• • • • - -• · - - • • • • • • • • • • • • • • • • ___ o___ • • • ~---- https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis _ _ J<ONMEIIBER BANKS ___ OSB ---- JE:.H Ek.SON Cl TY 8292371 LA.NC,MAH.K N (. TY BK. AND TR C.0 JE.NNINGS 829.!:312 !"\ARK TWAIN NURTHLANU BANK 8292375 Ct-:ARH:K bA'°i!\ o, JE:.NNlNC.S __ _lQ.?.92370 C'JM~ERC.E:. bA~K. 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Wl:b!)ltR &ROVES 8£957t.O "(C)S.H:.R l.kOVE:~S lR CO Wl:.~SH.i;t C,kOVE:S 8295790 LAr-.L,f'1ARK CENTRAL BK & TR CO WELLS.TON 8£95tl4li WE:S.l PLAINS ~ANK OF 21.Jl SANKS. AFF-E:C.lEO 9300015 flRST SECURITY 93000-'t,O BANI<. OF 8AKE:R bANK 3't937 50!>!>4 1155 31231 79; HO 8!>724 MO 2ltl03 23075 23051 MU MO MO MO HO MO ____________ ·----- . MO MO 210lt., 't5J7~ 20244 20lb7 50729 30't58 lb2047 9!>891 HO lbl5S 217';4 2241'1 2bl7b _ 2120c, MU MO 35't97 HO HO MO MO _ _ _ __ 3)5t,6 HO _______ _ MO 5746b 1!>779 302bl MO MO l'iG94 ',6473 HO 42652 56470 HO MO HE:NllVlLLE: MU ANACONDA DAl<.l:P. b07 ••o "tl3ll Wl:Sl PLAINS 1-'t,3 5i 7412b lO.J,!:11 MO MO MO MO HO HO lN STATE: 55035 277 35b 750 718 --· 110 SLUTHE:RN CC,,1'1lktlAL 8ANII. ST LOUIS BUAlMC.NS bl(. OF C.lJ"iC.URO VLG ST LOUIS CfJUNTY LE:1o1lS (. C.LA~I<. HlR(.Ar-i.TlU: BK ST LOUIS CUUNlY PlAlA BAMI. OF ~E:Sl POkl ST LOUH tTY HAR,c,, hlAlN SWlH (.OUNTY bAN<.ST LOUIS tOUrilY MAKI'. liitAlN PAkKhAY bA~ ST LOUIS CC!UNlY SAllStiUF<Y SAVlNC.S tsAN,C. S.\llSbUKY HOME: BAN](,, SAVANNAH _829~810 WE.NllVILLE: S.TATE: B4NK 131 C.I 1977 NEW ...... Rt~8AL ____ EPA 8294760 JEFF C.RAVOIS DK OF ST LOUIS ST LlJUlS 8294810 HE.RCAN11U: CHRt TRUST to Sl LOUIS 829482~ HISSOURI STAlE. bANK £. TR to ~T LOUIS 829-4910 8294953 829495,S 829495b 8294958 _ 8.i.'.9'9959 102',1~0)0 102950~0 121 VL TC.SH 9b5(i0 207&2 24t,9l 5•• 755 325 140 152 251 lb7 &b4 bll 25tl9 1076 177 •o• 2:81 2S4 273 3b0 b57 1021 88 t.>.C.2 I.S 599 75& 118 851 219 210 UI NtW .RWbAL 16) OlF 131-151_ _ __ 0 205 0 0 0 1702 0 0 0 0 0 0 0 0 0 0 • • • 141 0 0 0 0 0 O • • • 0 • o ___ o ___ 0 0 0 ·0 0 185 0 O 0 0 2329 0 0 0 -··· 0 0 0 0 0 00 0 0 • 0 0 O O • ·O 0 0 0 0 0 • • 0 -~ _O __ • 0 0 0 0 0 0 0 0 0 .. 0 161 0 4146 0 0 0 0 0 0 0 0 1977 0 0 0 0 0 1 0 0 0 0 _ 0 0 lt50 0 0 0 l't't -• · - - - O O • 0 0 • 0 0 o o ____ • ___ 0 0 0 0 0 0 0 0 • • • • 0 0 0 0 • • 0 0 0 0 25'7b 0 0 0 0 0 0 0 0 0 0 • 0 0 • 0 0 0 .. 0 0 0 0 1522 0 0 • • HAYE: NO E:ARNINC.S PARTlC.IPATION ACCOl>Nl OR Rt:QUIRt:D RESERVE:: bALMCE HAYE l'iO RtQURE:O RESERVE: BALAN(..E: MT MT llt507 17'59 300 93 0 0 0 0 _ 0 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis _ _ NQNHEHBER_ &ANK.S ___ B"E;NEFl T TO. 8ANX.S C.OYEREU_ BY HOOlflED s.- 85 Ill oss LOCATION NAME --------- - -··------- -- 9300083 flk.S.1 C.1 llZENS BANK BILLINGS 9300115" VA.Llt't' STA.Tl: BANK ~lLLlNGS. 9300260 BAN~ OF tuLUf'!B lA FALLS (.OLUMBIA FALLS 930Cl2b0 fARM.t:.RS 5-141 E: BANK CCJNRAD __ 9300300 8A~K Of GL.\C l.E:k C.UUNTY. CUT l:IANK ___ 93003-.o Sl AlE 8ANi<.. & TklJST Lu CdLLLN 930031:10 HR~l STATE bANK. H.fU'HH 9300400 FIRST S TAlt; i::I<.. UF Fl tU::NTON F- uR T bENTON 9300~20 C.ll Hl:.~S ~TA ft 6AN?<. HAMIL TON HA~lJlN 930C.!>40 blG MC.RN bA/"iic; __ 93005'43 LITTLE HURN STAlE:. BANK. HARDIN 9300~b5 VAL UY bAN/<.. OF KALlSPHL ir..ALIS~ELL 9300690 N·tf bANr.. OF LEW I!> TOHN: ltWI SlOwN 93G07b0 1ST SC bS & T< Of HlUS CllYMILE.S CITY 93c,ce10 Sl:CUG.llY STA Tt BAr-.K PLtNTYWUOD 930091~ flR'.)l ::. TATE bANt<. ~HE:L&Y ::.Ht::.L8Y -· 9300925- TOOLE CUUNT'f SlAlt:. BA~ OF 19 bANl'.S AFFCCTEO JN STAH:: 13 b ····--- Ml MT HT ___ HT -·-··-· -·----------· HT HT HT HT HT MT ---~··--------- - HT HT HT Ill IZI --------·---···---. 131 1977 _ .. RlWbAL _ luEP YLTCSH 24579 2t.52b Zll 2~Z z.. 0 .i:06 0 0 0 ------ ------- MT HT HT --··-- -~--·· 19:;6& 30499 22.02b 2 llti8 22.970 241&0 £2514 29320 1533b 25b37 35852 "t5b50 230bl 2 58?9 lb724 135 17b l~O 123 293 190 140 223 2oz 23b lb2 208 8Z 0 0 0 0 0 0 ______ Q 0 0 0 0 0 0 _ __ Z/ZZ/79______ --·--1,1 NtW EPA l~I IOI NEW OIF RlQBAL _ 131-151 _ _ _ 0 0 0 0 ·~ 0 0 Ol 0 0 0 0 0 0 0 o. 0 0 0 0 lbb ,30 0 0 0 0 0 0 0 0 1 0 85 0 0 0 0 __ Q o __•_ _ 0 0 0 0 0 0. ·- 0 0 0 0 0 0 HAVE NO EARNINGS PARlltlPATlON AtC.U~T Ok. kEQUlkEO KESERVf; BALANCE HAVE NO Rl:WREO RESERVE BALANCE:. ---· lOJl0'-.150 10)10.,.bO l03ILHO 103ll.3b0 __ l0311.l98 10311450 1031 lSOO 1031.1510 10JllS20 C.UAkOlAN STA1E.: •• & TR LO AUbURN !>TATI:;. BANK. FAR~~R!> SlAH. BK. (. 1 R CO BANI(,, LF- BE:LU:1/UE: WAS..,INGTON CUUf.lTY BAt-,1( Nl;tskASK.A STATI; BANK t. lR CO STATE BAr..K. UF CAIRO bAtli<. UF- CHAUkON Cl T 1H!'iS. bA'ti<.. AND TRUSl tu COLL•~bU5. bANi<. I. TRUST ca COLArJ 5, T Ali; bANK. f.. TK\JS.1 C.U flR::.T bAN~ I. fRUS.T COMPA~Y C.lllt:s.t.~K. t. lR tu OF- CRl:TE:: (.Ri;lt S,lAH: bA.Nl'i. f-AH:9UkY SlAli::. t5A~K & TK C.U ki(.H.l.KOSON (. TY f l ~:::.T ~ T Al E b.A~I(. GOH.YA s.TATI: BAhllt.. C.UkUCN STATE 8ANI(. FIRST S.TAH. bANI'. GQlHENbURb SU.lt: bK & TR CO o, ALL 1A"1CE:AUbURt-i Al.JR.UP.A bE:llt-VUC. bLAlR tH... 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STAlE 6Af.lK FlR!,T StC t,K OF HOLDkCGE PLATTE VALltY Sl B< (. TR. CO F-A.Rf'lf:.k:i, S.l A.Tt: bA~K t. lR CO Ll:X lNG TON. 51 UK t. lR w C.AllMAY bA'\lt<. t. lKUST lU hAVE:U1CK B.4.N.K LI NtOLN tANI<. 5,UUTH INC UNILN bA.NII. ANO TRUST Ml'\jlJtN f::XC.H bK C l , N(.JKlH PLATTE- 5, TA.TE:. bANK KE l lh cou~TY SAW<. t. TR CO AMU, a,ANK BANK. OF MILLARD CENlt:R BAN!( UJUGU,S C.TY OK L lR FlkSl MESl !:i.llH;. BA.~K. MIO ClTY AANK. INC NLRTH SIDE bANK OMAHA S lAT t: BAI\K SOUTHWE:S T BAM<. NE:bKAS~A STA lE SANK. bANK. C,F- PA Pl LL ION CUNE:S STATE BANI(. l{ALSTLJ."li bANK RAVlN/'ill BANI(. SC.HliYLEk STA 11: BANK f-lRST S 1 AlE BANK SC.IHbNE.F.. BAN~ NES!-.AS!<.A STATE BANI< YOk.K 5,TAT!: UANK t. TRUSl co co co co TL'EP (2) VL lCSH - ------------ HA5 T 1 NG.S. Ne Ne ~, 1-1ULUR!:GE KEAKN!:;Y U;XlNf,,TUN Ll:.XlNlrTUN L lNC..OLN LlNC.LU4 UNC.OLN l lNtULN Mlf'.tUtN r-.uRTH PLATH. ULALLALA l'MAHA UMAHA OMA NA 0,'1AHA Q,1,!At1A LJMAhA OMAHA OMA.HA OMAHA OkD PAPILLION ______ ~ P lEKC.t: RALSTLN RA'v't:NNA SCHlJYlt:R SCOTTSBLUFF SC.Rli,NER SWTH S.10UX. CltY YU~!"'.. ~2 tlAl'tKS AFFl::ClED 1~ SlAH: - ··---- ----·· ··-- 2/22/79 33 19 Nt NE Ne Ne Ne Ne Nt NE NE Nt NE NE NE NE Ne NE Nt NE Nt N~ NS NS Ne Nt NE NS Nt Ne ·----------·-----·--- 18709 lb 120 4~73'1 l82S0 2244.) 42760 .l.4077 160!,e, 36329 2410~ 20'i8.i!: 2072!> ~440t> 3(.J309 bl9lb 4877b 55237 1719b 41M:e lt1009 5720b 14733 18443 l4b9.l. 2b3 l3 17103 2C,73i l.9301 IS3J3 201~1 2b2~b 16' 213 312 192 i:.':11 so; :>69 172 313 12' 1'1 103 131 .,,. lb2 297 BO __ ISi 850 323 649 91 319 ,o 46l . 2lb 1oe lbl 2>9 216 (4) 13) 1977 NEW _ Rt.ClbAL ___ f.PA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 436 0 0 0 0 0 Q ______ loo 4JO 1, 0 "0 0 0 0 0 0 . o 0 1,, 0 0 0 0 0 0 703 740 __ 0 25 0 as, 0 0 0 0 0 0 0 0 0 Q 0 0 0 0 0 o ___ 0 0 0 0 0 0 ,,, NtW R,l;QbAL 0 0 0 0 0 0 0 0 0 b 0 0 ,, 0 16) Olf ... .. .. (3)-(~J _ _ _ 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 ~--- ..• ... . .. ....• . HAVE- NO EARNINGS PARtltlPAllON ACCOUNT OR REQUIRED RESE:RVt: bAL~C.t HAVE NO RH1URECJ RESERVE:. 8ALANCf: -------------------------------------------------------------------12320040 BA~K 0~ NEVAOA 1232'J04'> NEVADA STAJE 8ANI<. 1232V078 PIONU:R ClTllf:NS BANK Of LAS VEGAS LAS Vt.GAS RLN(J 3 BA"-"S ArFEC. TED IN !,T A.Tf: 0 2 NV NV NV 231211 111911 '412 b9998 100> l41j4 0 0 0 >172 2949 loJ6. 404 0 0 HAVC NO E:AkNlNG~ PARTICIPATION ACCOUNT OR RSQUlREO HSERVE bALANCE HAYE: NO ktQUREU R.t:SERVE BALANCE ---------------------------------------------------------------- -404 0 0 ~ NI ___ NQ!'lll"tEMBER BANK.S ...... ...' ______ BENEFIT TO BANKS COVERED BY .MODlFlE.0 S • ( 11 ~ 0 OSB NAME TUE:P LOCATION 0 ~ ~ © https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 1330010 BERLIN C.1 TY bANK 61:kllN 1330020 NCRTH COUNTQ:'t' bANl<. blRL IN l.Hl'OC>O CON,.._EC. TIC.UT RI 1/1:;.R BANK C.H.A.KLE:STOHN l.330120 Flk~T COLE:HU..01( jjA'.'-jl', COLtbROOK __ l.3JJ21!> Ut.k.kY ~6,r-._,._ A."W lk.U51 Dl:.RRY 1JJC290 EXETE.R bAN"-lN(,. COMf>At<f.Y E:XfTEk. 13304 l~ ""L;;"OALNU(.I( dA~~ JAff~EY 1330~.3\J S l NLOGANLC.K GU4~.A.NT1' SVG SK L.&.'-i(.ASTt.R. 133(,1'.)~Q ~A"lt.t1E:.S HK bMl1" MANC.Ht.STE-R l3301lO ~U~~UA h.UST C..0.'•\PA."tY NASHUA _ l33V7,j!> -..::JC LO~'..,:J:'-11 TkU!:.T COMPANY NcS llfiDOl't l 3307't0 NIJk.TH cu-.1'AY BAf>IK. NL:kTH CONWAY 1330796 PtlhA.'1 bAfli-<.. C lt<.U.S.T t'E:LHAM 133Qtj5Q PL':'M(;UTN L-UARANTY !ioYGS bl<. PL'r'MCJUTH 1.3JU900 f-Ul< T~~UUTH TRU:ioT CU"1PANY f-'Uk. J !:.MUUlH l.3.H..'920 ROCHlS 1 ~Cl. S,\Vlt~t,!, DK ,; TR CORLC.Hl:!:.TtR LUL'.,,.i:'.4 ku~ld~~C.HAM LW,"11 IY TR\J.S.T cu 5.all;M l33c',eo ~u~.c.UUK BAN"i. !:,1.J'.CllUI(. 13.31045 !'..JNL>!:>.,UOD !;A~ ANU lRU~l W(.;Lf-E:OOH.0 1331060 Wt:OL~V J L LE: l>UARANTY SVN<.,S l:IK.NLOUSVlLLE co - co OF 20 6ANl'I.S Af-FtCHO lN STATE:. 11 7 ------- 2340590 3340()1~ )3'-t0':-17U 234091;<5 2 J', !.OSS 23",.l.(,6to 234lU08 2341120 33'tl44S 234 lblS 3341625 ALL E:NDALt A lLANll(. CITY Bt:.Rliot:NFlt:LO !:H1.l [J4t.,,.A TE R 1 . . LARL!:.TAIH C.ARH.k.El C.E 01..k GR(JV~ CHAltiA,'i lkUS T CL':"IPANY C.hATHA"l. lOWNStilP PtOPLt~ BANI<. OFCLAY rv-... JE:R5t:Y C.IJ'i'1EkC.f. bAN!'. Lf- W:.1-1 JE.kSE:Y E::VE:ShAM lWP fAlk LA><I"-; S UT!:: bANK. FAl k LAWN ST ATE tiA.~ OF N£~ JE.R.SE:Y FLk 1 LH. f-KA.',l"',.LJN ~ TA lE: BAii!",. F-KANKllN TWP C.!:..NlRAL Jt.RSt:.Y 81<,. A:--tD TR. C.O f-RE.thlJLL TWP GAkF-ltLL must LU:-IPAr,,,y GAkf-lt:LlJ C.Ak()HC ST bl\ tJC.t.AN C. TY JAC.K~UN lWP Kef',iJlW~KTH 5 lA TE: HANK KENILWORTH CllllEN~ ~TA TE. bANK Of- NJ LACl'I" TUhN$HlP , o, 1J903ct 9713L. 16533 21193 18027 NH 't29CJ9 NH SH NH SH NH NH -'tCJOi.b B~t,72 l'i573 37331 l"t 137 192.91 39bb5 19ib0 2./22/79 l21 .. VL lC.SH , 151 NEW RH.lbAL 0 0 0 2.835 5b', -!:,64 l.b2l 0 0 0 0 0 0 0 0 0 0 0 0 0 203 0 274 0 0 0 273 57 67 0 0 0 ·o 73' 02• 200 L53 0 0 1249 710 192 75 0 0 0 0 0 0 117 0 49> 1131 (bl 109 72 1-403 1"919 199.30 206 119 0 0 0 V 0 eo 0 0 559 0 0 --~--- Dlf l.3J-l!d _ _ _ _ 0 0 0 0 0 0 0 23~ l!:iL 490.::l i-1 NEW HA 0 0 0 0 0 0 0 243 14096 21885 2';11£ 11862 (31 1977 RE.QBAL HAVE NU EARNlNGS PART ICIPATlON ACCOUNT OR REQUIRED REStRVE: HAVf:. NO RE:QURED RESE.R Vt_ BALANCE ------------ 234L030 lt-.DE:Pt;NUE:NCt BAN!(.. OF NJ . 3.3401CO GUAPAr-tlf:E: ~At-iK. 2340205 bU,GE:N 51ATt: BAN;K 23404JS SUME:Cl.!:.t 1 lRUSl co 2340:::.!i'S U~;l lE.O JE:KStY b!<,,/S bEk.<.,E:N 234C~60 C.AR TEkE: 1 !:'>AN!\ ANLl TRUSl .CO 2 34U~ 70 Pl Ll,klX SH.Tt. bMiK. NH NH NH SH NH NH NH NH NH NH SH NH NH 85 0 0 0 0 0 0 0 -~59 0 0 0 0 .... . . ------ .. ... . ·--·---- -- ---- bALANC.E -------------1369',1 2.3.2093 NJ NJ SJ NJ NJ NJ NJ NJ NJ NJ NJ NJ NJ NJ NJ NJ NJ NJ ac;es'+ l'tl5!1J 2b49& 37074 lo60b 77!>(.5, 2&b2S 33&t.4 26963 53407 351'947 ·-- 480t>!IU 41371 279b~ 30102 63.257 - --·---··----- ·----· -- 169 bi.!>7 1083 2ll9 0 0 0 5~7 0 0 1017 0 ~31 0 bl1 0 0 0 698 071 <'.b3 es• 0 0 0 ;}4b9 l'tt.6 33b4 0 0 0 12.bb 0 0 0 270 5,397 0 51&4 _ 10971 607 ~13 300 758 0 0 0 0 50~2 0 0 0 ~08 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 -5151 -~194 0 0 51~7 ~l9't 0 0 0 0 0 0 0 • ... . . N) 00 ~ https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis -1illNJl£M8EIL8ANl<S _ _ _ _ _ _ _ _ _ _ _ _~1,.tjEfl.LT0 .. 8ANl<LCOVERED.8Y .. 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NCi-<.IH WlLKESbORO PlLOl MUUNTAlN PlLUT MUIJNTAlN RALllt,,-t kALt.JGH kOC.l\.lNUHAH RLCK Y MOUNT kUl<..t.L HALL SAL I S.hUR Y SAN FOkD SUNbURY lAKbCJkO lkOY Whl lf:VILLE Wll!>Ur-il Wl~4S 1 U.'41-SA LEH WlNJC:kVlLLE 4i BAf'-11',,.S AFH.C.TEO lN 5.lATE 2~ 9 -'t49b0 27100 2321!> 19!>94 NC NC NC NC NC NC NC NC NC NC NC NC NC NC NC NC NC NC NC NC NC NC NC.-· (3) 1977 Rf:QBAL- 9£9!,4 1110 598 35> 374 488 1211 463 0 0 0 0 - -- 0 -0 0 74475 19202 2.!>0~t, 200.£20 64> 0 311!> b.2.701 1&14 15785 117199b 359 0 0 0 3218 l 0 .£.b-4 0 0 19100 l!,1.03 1012:178 2915tl 264jj5 .(t,4409 -- - -~----·----- --- 3·12 93< 9lbS lS,100 591 127681 U:3174 2034'1 511:139 """" NC NC l9t,7£ 2b34~l " 45!>~99 45454 NC NC 22> 25107 2590b .., 2:SO~ 570 1381 -4410 12115 33• 059 0 0 0 0 0 0 0 0 0 0 0 0 0 0 141 N•w f: PA. . 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BANU IOAME TOEP LOCATION (21 VL TtS'1 (31 1917 RUilbAL 12410372 124l01tO!> 12410'920 12'-104'!>0 l24tlC.4ttiO 124lV!>l!> l.iU,10!>~7 l21tlU!>fl4 lZ'tlO!>t:17 l2410bl3 WES H:kN Si:.CURJ TY bAfriK l24tlOb20 C.LAC.1U,MAS COI.NTY bANK 12:ltlOobO CE.NTf.NNlAL cUNff. 1241013'1 oANK UF ORl:LON OF ,. MYR lLE POINT OR 3!>9"1. OR OR OR Ok OR 2319n itlOD!>ti OR OR 08472 l l99b 1t~Ol~ Pffi TL ANO kU:C,l~POkl RuGUt: RlVik. KlJSEbUKG SALEM SA.Li:.H SALE:H SANIJY Ok OR OR SPRlNC.FlE.LD W001.1BURN &A"«.S AFH.CTE.O IN STAH IS ~ C,R HAVE 442b40~ .. 342.Ub30 342C.b84 342V7)d 342 OtsOl 44lOeo4 44iOtU3 .l4lll'll8 4~lV'tl5, 3421G44 34.i~ 1080 3'i21215 3'tll22't 3421233 34,i!ll7ts 34.il 139S 342lb"l 3't2.1101 1110-STA,TE BANI(. £. lRUS.1 tu 2801'19 2929& 1'4149.t 19~ob 34u&b 17373 .,.,!> ., 70'1!, 11~ 0 0 () 0 0 0 0 0 !>2L ·o 501 lLtd 0 0 0 •• 113,£ 211 l~l3b uo 10110 9>0 0 0 0 0 0 0 ~139 0 0 ,. 5lbb . ,. 01 klilbAL 0 ~ ~~8 0 () 0 -6l<J', 0 0 0 0 0 11.C.2 0 0 0 0 9•1 0 0 -:,4.::b 0 0 blO. 0 (61 UIF 1))-(:>J 0 0 0 0 0 0 0 0 0 u 0 0 0 0 0 0 .. . ..• ~ "" ------------------- EARNINbS PARTICIPATION AtCO~T OR ktQUlRl:O llt.S.i:.kVE bALANCE. HA._-E. NO Rl::QURE.0 RE.S.l:RVE:. &ALAf\lC.i:. ------3420138 4420189 34202b8 34ZV331 230 33't7 "15 PUR.1 LANO MIL-1AUK.J E l.?'tlClbVO CUWMHtC.lAL BANK. l241Vbl0 PlU~HR lkU!>l C.OMPANY ~11 11300 Nt.111f'Lkl LlNtOLN CITY MJL TUN 1-kElWAU:R FIR~l STAlE bANK. OF OkEGIJN SEC.UklTV &~ Uf CuOS tOUNlV bAt-1.K Uf Nf:.WPI.JRJ C.OLUNblA PACIFIC BK TR (.(J OIU::LON BANI(. PA.ClflC. SH.UkllY &A.NK VALLEY OF TrtE RlJ<aUE ll410!>93 SCJUTH UMPQJA S TAlE bANK ,1122 DR OR OR OR LlNtOLN SANK t,A~I\ (JF tOH"'l:.~U: C-1 NEW EPA AL Tl.JONA APULLU TRUST COMPANY APOLLO 5,lAH. BANK UF- AVIS AVIS. L1 NC.OLN bANJ\ PALA C.YNWYO DE:AYl:.k fALL!. KE:E:VtS aANJ( UNlUN SAN~ £. TkU~T C.O aE.THLlHE:H bLUl.J'l~tlURC. tH, C.OLUM~lA lR tObLUUHS.bURG bOWMA~S, 1 OWN lklC.C.OUNlY ~UH. SANK bkAOf-URl.l Pt<lJCJUC.CltS. BK. t, lR to bfo.Otl'\ .. AY brl.0(.KWAY C.l J llt~S. t!A~K SRGUKVlllE: d!C. {. lM. CO ditOU!C.VlllE bkYN 1'1AWk &R'fk HA1111R TRUST COMPANY F-lR)l S.i:NtCA BANK. t, TA C.O dUT Li::A C.AAbO,...OALE lh,E.RIT OlS.C.LAJNl ,t. SVC.. BK F-AkMt:R S, lkUS.1 LlJMPANY C.ARLJ S.LE ChA/'Obf.RS.BUH.t.. TRUS.T C.C.MPANY C.HAMbt:RS.BURG f- C. M lk {.Q l,f tHAMbi:RS.tHJfH, C.HAMbt.KS.bURG C.hA~~l:RS.bURG VALU.Y 8Ak!C. t. lRU!al C(J C.Ht:Llt:NHAM SANK. C.HE:L lt.NHAH C.LEAkflfLO C..LEAH IHO bK. t, JR C.O C.UUOl:kS.PORl CllllENS lRUS.1 C.UMPANY tUR'lilNSVllLI: SU, H: bANK C.uRWt.N~VllLt: PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA PA 281611 ·~ 2b748 ~111 8!0 3bU 0 0 0 !t229 0 3360b llblJbl 1'1008 l3~b 0 .;t1CH ifat:13 104319 3"11:S lB't!I ~~U1l 34}4b )U41'- 8S2 0 0 0 2.,75,7 1,J', &17 4'1 ~-5 41493 5,~d8l 3J3~99 't&l._ 2!>bbb oso 809&1 'ib~'i!> 81 l'll:S 11,., '" 921 bOb 1175H lb71 bbb4'1 21'., 3oS ~ 1757 -11~1 0 0 0 0 0 "00 0 0 0 0 0 0 u 0 0 0 0 0 0 0 197 0 0 0 0 13'1b u ~01:13 0 3'>1 " 0 0 0 0 205ltS ••• 2'1U 0 0 0 0 210,1 5uo 0 51798 0 c.0 0 0 -34~1 0 0 0 llb~ 0 0 0 l'tb(t 21>0 0 0 0 ·-- 0 . . 0 0 u u •H 0 0 0 0 0 0 " 0 .. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis - - · NWtM£.K8ER 8ANK.S 0S8 342191t-'t 34219b2' 3't220ol 3-424'.t.O~ _ 34.£23U't 44-22-370 41t.223&!> 31t2L,.03 41t2.2511 3422163 .3422772 31t2L898 3 .. .£291,t 3'-Ll<;ilb 34t.3Cl!> 3'-.2j070 3'1.L310!, 342.324J 4'-23i<ft9 3'-.23lb7 3.,.2 )l1b 3't23t.~"t 3't2j,,}1!) 4423lio92 4423520 3't2.3!io28 442j5,37 3423!,5,5 _ 3lii2::,~eo 3't2 3~~ l 3423027 442Jb7l 3.,.l.37't"9 342 37C:.,8 3<tl.rn9o 34l3~b0 3"t2"9U77 3't2-.l7b "t4.l'tl.'-~ 4't2.,.bl~ 3'-2'tbb9 342"tb4-2 342'-d87 3 .. 2 .. 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E. T kUS T COMPANY !RIHN lHREE RlYC.RS 8Ai"'IK r. TRUST COJEFFEkSON &okO lNOU!:tlRJAL YALU.Y BK. r. lR toJ~KlNTOWN PEUPlt:S 8ANK t TRUST C.U JE~Nt:RSTOWN JER!i.E'I SHURE. SlATE BA~ JE.k!loE:.Y SHORE: HAUC.H C.HI.INK, TRUSl C.OP1.,ANY J 11'1 lHORPE JOHr,s IUwN 8A1'1K (. TRU~T CO JU1NS TOWN JONtSJ[JwN BK. (. Tk CCJ JLN: S TlJtfN ARM5.TR01",iG (Ol.f,l;JY' lRU.H C.LI KlJTAtvNlf'fG. FAP.Mt~S liANI\ Of KUllTCJwN K.UTllUMN fUL TON BANK lANtA~H:k flRSI VALLEY bANK LAN5.fUk0 LE8ANC.N CtiUNlY Tkus't Ll:.BANLN Ll:Hl!)bURCi, TRU5, T BANI\ lbitl~bUKl. fAFcMl:.RS FIRST bA"-K Llllll KE.:.YSluNE 8A.NK LOWtk bURRE:LL MAklNE bANt<. MEAUVILLE flR~l bANK ANO TRUST C.lltPANYMl:CHANIC.StiUkCi Hlf-fLlNbUIH, bl< L lR CCJ Hlf-HH~bl.AG 1111.J Vlr-.N bANK MlLLi:R~bURG HJNtR5,'JJLLI:. Mlktl-..~Vlllt: SAF-C OEP liK fl(. Uf- tH1llU.L PENN~Y'LYANU MLNTOUk.SVlllf MORkl5,VlLLE bANK HORklSVJLLE "' lDEP 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 PA PA PA .A PA PA PA PA >8370 47078 501At& 32007 240b~ l'i3l'i9 1"tH,C..l lb22.9 17791 23& 15 3~280 ::Sltl39 757ti0 Y7.b0& 4bts!>l3 2lbl 1 19347 4b!>21 50~tsb 2e 1;,.:, l3b!>l 40557 •5519 n509 5•115 llU1092 3 lts42 32173 l2b"i2 15c, .. 37 224.:3 19737 2b(;.,.2' )0"9't8H !>t.278~ ~L73"9 23b&7 l lb4-31 12) VL JCS,H ,., Nl• EPA I SI Nl• M.t.QcAL I• I LH 131-1>) 871 0 H2 >H 0 Hl 0 0 •H 0 0 H• 0 0 0 0 2709 l3ti& 0 0 0 0 0 0 0 ,~, .,, ~~04 3':lo74 0 0 )bO 0 "" •H 8Ul 0 0 ,., 11~4 12.i:'.!> b9~1 ••1 331 9,5 1074 lbO 210 »7 91~ 10&7 .., 15'JU 712b 0 0 0 0 u 0 0 0 0 0 0 ••2 0 0 1112 0 0 0 0 0 5170 109.:,0 0 0 0 0 0 0 0 0 0 0 211 0 l.tl 0 0 0 2> u (I 0 •3 0 0 0 3%',U 0 40::>o 0 0 0 0 0 0 ... !,.,. 0 0 !,97~ >lb 12-.1~2 ,oo. 2. . , ~7.H 3t>.!b~ l>b I tb'", .,, 1b3 l',!,l', b:,'1.)U 3~/ beO 4t:.612 12.llt 0 0 0 0 0 -3'1b'-,O 0 0 •2• 0 0 0 0 Q ~'-.;)b 0 0 0 -10'1;.0 0 0 3•0 0 0 0 0 .:,2ti .., 0 0 0 0 0 0 0 0 0 !>2b3 0 0 >9<> 28).;)40 ~'>'342 4127~ IH 1977 R.l:ObAL o. 0 0 0 0 0 !>lbt.. 0 i:'.b 7b ,01 0 0 u 1VJv7 0 0 0 40 .. 9 23t.'51'-3 0 V lbbb 0 0 0 0 0 0 0 0 -l(.t..t. 0 0 H• 0 0 0 ••• . 0 0 -tt-78 .,, u ... ... 0 0 0 0 0 0 0 0 0 0 ... 0 0 u • -lv..:-:07 0 0 -bvti 0 0 0 0 .. . ~ (0 ~ https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis - - · .. NOWIE:P1BE.R BANKS Ill DSB 2/ll/19 bE:Nf:FIT 10 bANKS C.CIVERE:O BY MOOIFU:D S,. 8!1 NAME LOCATION lDEP 121 VLlCSH 131 1911 kl~BAL - 31t2~230 3,42~238 't425391 lt .. 25't5'e 3"'25bb0 't42 ~ 190 3'92°5814 3'9.:5845 34L ~dijb 34£569~ .34£~922 3'tL602~ 342t>l7't 4't2b!>bl 't4lt>741 34Lb88~ 3.C..:!ti't03 442b925 3't2b984 )4t2-/0b3 3'tL1171 34l119l 3421£0-, 4't2 7't00 34L750b .C.'t2:7!:o2.C, 342:l~&J 442'7ol4 34l 7b!>O 3't27bb(J 34L 1bb5 34£11~ 3427122 34.?bOlO 442tiU~~ 3't2b 179 34:.C:1:1£&0 3't2b5"3l 442tbl8 )428blb 442b7U0 3't2b9.H 34.l8955, .342b',91 342"010 3'-2'7V<i5, C.OHHONWEALTH BANK t. lR tO MUNCY HUNC.Y bANK t TRUS.1 tO MLN(.Y NEW bETHLtHt.H bANK. McW tlE:THLEHfJ1 PEOPU:S SIC. OF- l!IESTERN PA NEW C.ASlLE CONll~EPHAL bANIC. "40RRJ5.10WN NOR ltil'lll:5, T PA blC. ANO TR CO Ull CITY ULO f-CJRC.E BANK UlO F-ORC.E C.UMMUNltY STAll: SANK ORblS.uNlA PEUi-'Ll:5. BAll&K. UAFORO C.l THENS bl<. t TH. PALMEkTON YALLt:Y TR CO Of PALMYRA PALHYH.A bU(.K.S C. TY SK. 4 TR C.C Pl:kl(.ASU. 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JR C.O OF- OLD YORI'.. kU WILL011 I.ROVE. 342'1268 SUUTHEkN PC"4~!)YLY.UUA bANI'.. lkU!i.T CU1f'ANY YOI« 3429306 't'Ukl'I". HAVEN SlAlt:: 84.NK. hAYE:N 3\i.'li15, YURI"". BANK. AND Of TOEP LOC4l10N '""' '"" 118 bAMS Af-H;Cll:.0 lN STA.Tl:. ~b ~5, PA PA PA PA 2/&i/1'1 131 121 VL lCSh 52112 IIJ5 l!>77Yt,, 3l 3& 17 l!lait.9-'t it.7~9 7809 21' "' 1977 N>W Rl:QtAL HA 0 0 0 0 J50 3019 51 H2 0 hAVl NO EARNlNb?:. PA.kl J(.JPAllON AtCWNl lJR Rt.QUI RH> RlU.kYl:. 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OF UNION WAL 1Ek8UR0 'tEJ1AS5.tE 25 8AN<..S AFfEC.H:O IN STA.Ti: 16 6 2~b30 35-090 l._90't ~10 749 291 0 0 0 9400285- TRl-<.UUNTY STAH BANK. 9460b40 FlRSl P011E::R C.DU"'4,1Y BANK 94000.50 tOMMUNl lY BANK 9'-tb0b90 FIR!i,l ST bK OF HIG.HHORE: 9'ib097U OU,lJlA SlATE. BAPIIK 9"tbll05 fARl'llf.~.S, SlAH. bANK. 94614-30 5,1::CUkllV 5,Ull: tU.NI(. 9"901!>00 C.CJM"1E.kClAL !:oJAlt BANk 9't0153J fARMEW.5, l. MkLH bK l. lk lO 9401~70 AMt:RlC.A~ STAU. bANI'. 9'4blb20 fARMl ~~ STAlt: 8AN< _ 9"tblb't0 AM ERIC.AN STA H. .bANK Of bUK.K.E C.HAHbt.RLAIPt C.UlYSBURG HARTFOkD HlGHMOkt. HlLIUNI( PA~KSlON lVNU,HL WAGNt:R WATf:.RlOWN lft.~~tt.&101'-t S,P~S WlNNEk YAN~ TllN 13 SAMS AfFllTEO IN >TATE l~I Nt• kWbAL 0 0 0 lbl 01, (.3 )-( 0 0 0 0 0 0 5) HAYE. NO EARNINGS PARllCIPATlLN AC.COUNT Ok kE:.WUIRE:D KE:.SE.k.VE. bALANC.E HAVE NO RE.QUREIJ RE.SE.RYE 8ALANLE:: --------------- ------------94b0230 FIRST FIOELllY BANK .., NtW ~PA 10 3 so so so ~o so so so so 11:tOOB JOO 2• 373 0 t.03 '40 0 0 0 lbb 0 !32 109 l'.1091 ),0 lti9BO 14501 0 0 0 0 0 0 0 0 0 0 0 0 ,::0?,19 ·~ ., l"'bb1 23330 1&2 SD SD SD 70 &8 30• so l't93'.:, 20b3!lo 4bb!i0 l-4'474 3-..026 >O 50't-'7 h7 o· 0 0 0 0 0 0 " " 0 0 0 0 0 0 " 0 0 0 0 0 0 0 0 u 0 0 0 0 0 0 .. . " HAVE: NU E::ARNlNGS PARTlC.lPATIUN AC.C.UUNT LiR kl~UlRE.0 RE.5.t.kVE bALj.NU: HAVE Ml kt:"UJtEO kt::StRVE BALAPIIC.E ----------------------------------------------b41 OO'tO b'tllJO!iO b.C.70Cb0 b47V0'15 tl._701.i:'.O b'tlU180 8<&t7(..l'10 &'410.::UO 8'47\Jt'-10 6'tl02!;10 d47u.:90 0'4 70300 b"tl0310 OoCt7U400 OEl'\U6 C. lY .bANI'\ t lRU~t LO BAPl!t1,. 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NI C0 ...::i https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis ( 11 OSb b470-'t-10 b-'t70430 6-'t 7L't40 b47v.:.oo _ b471H75 6.C.704E!O 6470~00 6.C. 70~40 6470549 b'-7V~50 __ 8'-lllbQO &1o70bl0 81o7Cb.20 blo /0b30 b47Gb35 647Ubb0 b .. 1Db10 6 .. 10705 b .. 1u730 81o7071o0 blo7U750 ti,.7u61~ b470825 61o7Vb40 b470ts50 b4 7t.9UO 61o7C7U5 b.c.10~60 b41U'J,W 647(.191::15 8471031 6,.7 1050 61o710~0 blo1l UO &1o7 l lb0 b411110 b471172 6471190 t!lo7l.d0 b'-71220 B'-t 7 l~bS 64712<,0 b-.11 JGO 041 lJ.20 c."tJl.HO blo1l3!:,3 ,. ✓ ~'t./1"1 8ENH11 TD BANKS C.DVEREO BY KOOlFHO S. 85 ---- NONMfMDE.R b.lNM.S NAHE: lOtP LUCAl lON UNI TEO bANil( OF C.HATTANOOGA C.HA TT A.NUOGA f-lRS.T Tk.UST ANO SAVINGS ~ANKCLAklC.SVILLE NOR lt-tf;H.., bANt<. Lf TEl'IINi:!:iSH tLARKSVllLf; tLE:VlLAM1 BAr..t<. ANO 1RUS1 CO tLE-VtLANO F-JkSl CJllZ.d-lS BANK. CL.t:VE:LANO ,..f;k(l"A~lS fl.A~ C.LEVE:LANO UNJLN PHiPLES BANK CLINHN "llDLLE:. H:NN£::SStE:. bAN.l< CCJLUM8IA bAhlK. 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JN JN lN TN JN JN lN JN 1N 1N lN JN JN TN It,501 "t0b!l2. 1"941 14119 179&1 lYb87 3~925 .C:L!Ol l 37'illb 3 .. 211 26867 l4tb58 b.C.014 l 7bl4 2~0b4 lC/118 41obl6 b!>lOb b30?b 2.1}.b!> }',1~}4 .:'.ll~ii:2 l"t24l 33971 4'-tl7j 2b'-tb0 20248 I(,163</ 2ob.20 91230 9768!> lC..11 .. lol , ~> .. bJ1 .l't2 "" 304 '" (ll 1977 kHlbAL 0 0 0 0 " 0 0 0 1.;;o 0 0 0 0 0 ~•o 2, • ~-· .,. 1141 i'Ub bSO ,£.:,,o Bb :::,60 1""" l.291 3bl 3<t) ,,, 0 0 " 2Y9 0 0 •• ~~3 ,..• 0 0 0 0" 0 0 0 0 0 0 0 0 "0 0 0 0 0 0 0 0 30S 0 0 0 0 0 301 0 0 0 0 0 " 0 >II I,_ 0 0 llb C 0 0 !it>.( 0 0 0 0 0 0 0 0 0 0 bOI b2S 3b< .,. >13 ]6lb 1558 0 " 0 0 0 0 0 I >I ,.,. kU,1bAL et• 3~• 0 0 1226 -~· 103 0 232 2B 250 170 30S 2•• "' NL• HA 0 " 13',IJ 0 l.t b2 " V f< I L;H UJ-l!>) " 0 0 0 " 0 0 0 "0 0 0 "0 u 0 0 0 0 "0 0 0 0 0 0 0 " 0 0 0 0. 0 0 "u 0 "0 0 " 0 0 0 0 0 0 0 0 0 0 0 0 0 0 " 0 0 0 0 0 0 "u (I 0 0 0 0 " 0 0 00 0 0 " ~ ~ "u 0 0 0 0 u 0 . .. .. . 0 0 u 0 .. 8ENEF11 TU BANKS COVERED BY MODlflEO S. 85 NO~ME:.MBER BANK.S . .' 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R SANKS &l:NEFl T TO bANl<.S COVERED BY MUDlFlE.0 ~. 85, Ill OSB 11481920 114& l'JSO ll4bl<Jt,8 ll49l9t,9 11461970 ll4tl918 1148199!> 114b l<:,98 ll4~.c.G03 11 .. e-.:'.011 114:.iUlb 1141:'2030 ll4&t..03~ ll-1td£03& ll4820<tl ll4bl0~0 ll4ditC...7~ l146.?CJ7b ll4bdJ8l ll-4b-L0b3 ll<t82084 ll4b-£oc;.Q ll4ti2111 ll<tb2ll9 ll4t.:'.124 11.t,t!..'l..'7 ll.t,B2l';J0 l14bd 7S ll4c-db0 ll-'1bt..20U ll-1tt.::,~U ll4b~'.:'.!,3 J14~;;:,'.':>':> ll4bd·7~ ll-!ot'-.£300 1141::!L.j ..)O ll4b.(42() ll4h(..,71J ll4oL47~ ll4b.:-lt~O ll<tt..:4~0 li4~L5!d ll4c..:55d ll4tl.:'5b.3 ll48.:'.b30 ll4&.(b70 NAME lO~P LOCAllON FARMl.:RS ST BK. E. lR CO CUtRO CITIZENS STATE BK OF OALHARllJALHARl BANK OF H:XA!,, OALLA~ EsANK OF DALLAS DALLAS. A~EklC AN bl{ C TR to liALLASCAPITAL bA.NI'. liALLAS DALLAS bANK TRUST to UAL LAS l,AllAS. JNlt.kNA T Jl.1NAL bANK I.JAL LAS. EAS.1 DALLAS bA~K. VALLA~ f l kS.T t l TllENS bANK. DALLAS. F lk.~1 C.UNl lNEN TAL BANK UAL LAS C.,kANt> AVt:.NUE bANK UAL LAS C:.kE.t:.NVlLLE AVE. 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BANKS o~• BENi::Flt TO BANKS C.OVl:.RED BY HODIFIC.ll S • 111 NA.ME LOCA.TlUN Tl>Ef' ., i/t.211'1 Ill Vl TCSH 13) 1971 RLW8AL ll4b2b-'1'5 C.ENTR.U BAl'•OC A.ND TRU!»T to fA.RHEk.S BRANCH ll4e"SLO ncos COUNTY' !,TATE: bA.N,r. fl.JRl SlU(KlUN ll4bib25 DANI". Uf. Cl:MMtkC.t FIJl<T wOklH ll4t:i"e.:e, bM1K Uf. FURT MURTH fLRl WUH.lH 1146,'.827 C.Li'clk.A.l ~A.!'ii'.. A.NV lRUSl H.o<T WURlH ll<tb.tb70 P..OfdH Fukl W~ Tl-t bANK H,RT lrol.JkTH ll4/;lLo73 klLGLl:.A. ~ANK H1RT WOF<lH ll'-oL874 SE;CL/Rl h STA.Tl:. &A.NI( f"L"R 1 WUKTH lli.o:.:Ltl7~ RlVl:.k:>lCiE SIAll:. BANK. f<J< T WUklH ll<tt<its7b SOUTHWl::!,T BANK FU< T WOkTH ll-.e2&77 SE:'1JhAkY STATE UAN.K. H!RI !oiUh.lH ll<tt,til<.JO lX (LM~ERCE BANK OF Fl WCR1Hfl.R1 MLIRlH ll4bt'.b'1) UNlVbi!.lTY bANK H1H.l WURTH ll48t"iC.U !>EC.t.Jkll't !>UH f:IK A~D TH. f"kEl.JCKltl(StiURb ll'tt-.:'7C.5 bkALU::.PuRT DANK. (Jf HXAS f-RU.PURI ll4o.£',,bU FR H,NA !,l ATE:: BANK f.RJ UNA ll'-'U5'b0 flR.S 1 !:. 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Al 'rlOl f FUR lH kULFfUR.lH 31b 1:tANK.S AFF-E:.C.H:O IN ~TAH:: 2/22/79 BE:NlFll TO BANKS C.OVE:.RE:.O BY MlJOlFll:.IJ !l. 8~ NUN11EMl:H:R BANKS. 175 12• TX TX TX TX TX TX TX TX TX TX TX TX TX TX TX TX TX TX TX TX TX TX TX TX TX TX TX TX TX TX TX 33921 24b63 37433 27049 27073 21tl5C. 38155 121 VL TC.SH 620 22~ 600 2b6 19" 271 563 c:;1 1977 REQbAL 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 ,25,t,5,7 .)b9 0 0 0 0 3l-'t87 2 3.=,60 1s1c;o 165bts 23&;3 Lb',129 23473 277!)2 lol57 53983 2bt.22 20b78 5•• 3>1 1 .. u 0 0 0 0 223 0 7.=,6 .,.,o,,.. 0 29l 0 0 0 0 ::,9~ 3b0 lUb ••o lBt.17 33,£ lts3 21 l l6bl 7 lo• {>I NtW RtQbAL 0 0 .,..,,.,.,••• 7-,, ., u 0 0 0 1~740 36697 41960 6302.4 ~2466 7244H lb11b 97070 27871 2o9 { Nt• tPA 0 0 0 0 H& 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 253</ 0 0 0 0 37 0 0 0 0 0 1162 4~.t 1501:! 0 0 0 0 0 0 0 0 0 16) CH (31-( ~) , .. 0 0 0 0 0 0 0 0 0 u 0 0 0 0 0 0 u u 0 0 0 0 0 0 ... 0 0 0 0 0 0 0 0 0 0 ... 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TR CCJ LYNIJUNVllLI; Ut,,ll.N bANK MURKl!>VlLLE ~ROC I Uk lkU!.l COMPANY PROC.1l.lR 1-RAMLIN-LAMU]LLE BANK. >1 ALbAN!> pt(JPU:.S IS CO OF 51 ALBANS ALBANS CJTllENS 5,1/l..~ b< L TR C.O 51 JUHN~bURY l!'Ht:R STAlt lRU!i-1 CU1'\f'/tNY HHll I: H.l VER JC. T ,, 14 BANK.S AFFECTE::O lN ~lATJ: 5 0 Vl Vl Vl Vl Vl •1 Vl Vl Vl Vl Vl Vl Vl Vl 553C.7 23769 21~05(> 2'illCJ9 £4025!) 1000b2 22.:iCJb 20431 252 lb 1lbb~ 79l~b .i:::9ii80 1993't l9C,50 373 '7b .t:bl5 ltl07 .. Cd3 13-'t!> 197 2U .,~ 0 0 0 0 0 0 0 729 0 0 0 'tbClO 1130 0 -1130 ~113 "21.iO -2.i::VO !,131:1 20CJ2 044 -t.4't 0 0 0 0 0 0 0 0 0 0 0 oo.> l!>t:JJ 0 0 0 0 9bl ,,o 0 loo 0 Ob u 0 u 0 0 0 0 lt!b 0 0 •oo /) 0 CQ . 0 0 0 MA.Vt NO f:Afi.NJN&!i. PARllClPUllJN AC.COuNt UR kL'-JU]Rt.O Rl;St.kVI: bALAl'lr,tl HAVt: NO Rt:CUREO kt:St:RVE:: SALANI..I:. AC.C.W1ACK CTY .55lU021 dAN!Ci. OF VA/E. AS H .. R"4 Sl1C~E: 5510vSO bURKE f. hE.R::H.Rl BK Afi60 lR C.UALE:XA"'ORlA 551.0178 FlkSl VIRUINIA t,K. 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VA VA VA VA VA VA VA VA 25987 ~1980 2~b7U .,. ~09 0 I lb 0 0 4'0 0 0 0 0 0 0 0 0 0 0 0 0 ~073b 'i.i:'.'t lt0548 1111 0 0 0 0 4CJ6li9 l 7't0t, 24CJ59 llbl 0 0 30• 22• 0 0 0 llOl 0 l:ilt 0 0 0 0 .. 0 00 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis NONHEHl:SER bANI(.$ oso ~510~37 5510b50 5510t.b0 5SlU100 551CtJ15 5510Ct>O 5510930 5510935 551U943 5510~55 5511030 5Sl l l'tl 5511210 551 ltlO 55112~0 5511.tbO 55113b6 5511408 551l'ao5 55llb35 5511710 5:>l li:,10 55ll'JOO 5511'110 5511~46 55llS60 5512070 551L<)c;.Q 551L1'L., SS121Ct5 55lll80 551.:: 195 55lli00 551 .. 3~5 551L3b0 ~Sl ... 4'-4 55lllt&9 551.:bVO !>5l.c:.b50 5511795 551l.b30 55ldi70 551L5'110 55lt'~2~ 551.c:.'13U 5!>13007 2./'it.it./19 8E:NEF11 10 bAHKS l.OVE:M.ED 8Y HUOlfllO ~. 8~ Ill NAME TOEP LOtATlUN SANK. OF CHESlEKflELO C.hS 1 RFLO C.kt HSE BANK OF Wi::STMOKE.LANO C.CJLUNIAL 8tA.CH SOUJH.\.Hf'lON C.OUNTY bANK U>UklLANO b,O~~ lJF- OAMA~CUS INC C'JA~ASCUS VlRC.lfdA ~,\NI( Af\,,D Tk.US.T DANI/ ILLE E:ASTVILLE: BANI< E:A::i.lVlLLE Pt.ones TkU~ 1 bANK tXMORI:: f-Alkf-AX 1.i-UAkANJY BANJC. L BAfllK. OF VlRti,lN.U.-PUTOHAC FAlRf-A>r. CTY PE:.upcus BANI( OF 5,,TAF-F-ukO FALMUUTH bAt-.lK. UF FL01D FLO YO FRONT ROYAL bANJC. Of- VlRC,lNlA-WARREN Ur-.11 HD VA dA!'.K Lf Gl OUC.E S.1 ERt.LOUC.tS T ER bAW(, Of- GVOCNLANO C.CJOC.HLAND C.kE TNA UlCi VA bl'. / r'Pl Of GRllNA CUMbtkLANL, bANK ANO TRUST t.RUl'-liOY Ak.LlNt,lON TRUSl CO lNC HC.RNlJtl',I Pl:OPU.S bANf( INC t-tONAKEk STAH ~AN.I<. UF KEYSVILLE KEYSVILLE CLAF<..tNOUN BANK C. TRUST HCLl:.AN 6Ar-.K OF MARll.J',j; MARllJN t,A~K OF MUNTkOSS HONlROSS FlUE:LJlY AM bK HAMPTON ROS NEWPORT Nt:WS UNllEO VA 81<. I Clll C. HARlNENt .. PURT NEW~ t-.lGKFULK bA!'-.IK UF VlRGINIA-EAS.lE:RN NlJRHJLK FIRST VA BANI". (Jf- Tll.JEWATEH. 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TRU5.1 C.0 F lk.ST WISC.ON'.:.IN TRUST C.lJ CREAltR MILWAUKEE BANK C.UAKDU.fll STA TE bAfllt<. Ht:kllAGt bK lJF HlliiCAlJK.lE KlltOUR.N STAll: BANK LAYTON STATE bAN< Ll~C.GLN S.TAJE bANI'MCI SH YEk SPRING HANK Ml(J-AMt::RlC.A bAf.iK MlLWAUl(EE. Ht:5.H:kN HANK MllC.Hl:Ll S.TRtl:l SlAlE HANK PAkK STATE. bANK. WlSC.UN!:.JN MARINE: BANK t.A.RM1:.RS 5AVl~S BANK. Sl:C.uRITY HATE:. BANK HO,°"UNA GROVC SH,TE. 8.IINl'I. C.U:-tMt:.RC.lAL ANO SAVINC.S BANK. HUl'lllt:Li.O S.TATE. bANK M(JSlNCE CLM11l:.ktlAl BANK ST A Tc. BK OF 11T HOREB C.llllENS t:IANK N.E: l LLSV l llc t:IANK r-tEK.L;QSA f-UI'{ T E'uwAKDS ~T B< S(HJTHWE~T dA,'-1<. bANK lJF Nl:W GLARUS MC..l NtW HUL~ Tl:. Ht bAl'tK. Nt:W US.BUN S.lAlt SANK FIRST STATE. BAf,jK bANK UF t.lE:'4 kll..NMONO bANK OF CiC.ONLHUMl!C WlM>1t:bAC.O COUNTY 6AkK 8A"il<. Uf Ul'-tALAS.K.A. OOS TbUKC- STA TE: bANK BANK OF ORi:UUli VALLEY 6ANI( OF OSHKOSH turn SlAlE. bANr'. BANI'.. Ut- OSSE:U ?tSHTlC.O STAlE. 8Al'iK IIIALKE:S.HA tOUNTY MAklNE BANK S.TATt bK. OF f'HlLLlP~ )ot{JlJl"liD (.l T't ~ANt.. we.~ MlLW:A.\JKEE MlLWAUKE-1::: HlUIAUKl:.E MJLWAUl<.EE MllMAllKEE HllWAUK.EE Mllill'Au<E:E MILMAUl(l:E Hll.WAU<.l:E MlliiCAUl(t:E: HlLWAll<.EE Hll"1Ali)(.tE. MlLMAUi<.EE MlLWAL/1(1:E HiLWALIKH: f1JLWAUt<.tE MILWA~E.E. MILWAUKEE /"llNEkAL POINT HJNUC.(;,\JA MGNONA Hlt-,kUI: 11.tJNTCLLO MOSINCE MWNT HURl::.B HUKWUNAGO NHLLSVJLLE:. ~EKlJOS.A New bE.RllN NlW C.LARUS NtW HULS.TE.IN NlW LlSbl..lhl NlW LDNDQf\l NcW klC.HMONU u1..or-.u11.rll □C l.JMkU UNALASKA OOSlbURG OktuON OSHtWSH O~HKOSH U::i.St:U f-l:!>Hl lC.0 Pl::WAUKEE:: PHILLIPS t'LA l H:Vl lLE: WI WI WI WI WI WI WI WI WI WI WI WI WI Wl WI WI WI WI WI WI WI WI WI WI Wl WI WI Wl Hl WI Wl WI WI WI Wl WI WI WI WI Wl WI WI Wl WI WI WI 25476 5b997 3Ul30 4b247 ,Lt)5llt 2<il0b lb~8'i 15117 9bbb1 3l 1!>4 3.2.£43 40':>96 .320d3 231~7 8j770 3'>~71 0'11:120 6bbB!> lti892 2b373 .3676~ 5&.322 132.0..C l!>t"24 .t2157 31787 22!>51 15~2b 1577b ,tl3Ms 20'-'4~ 1 b~26 34ts94 1',,Ul3 l/<.Z/19 (21 Vl JC.SH .. , !>5.l •22 1b1 302 • ~"7 3B 101 33' 0 0 0 0 0 " 0 0 0" 73Y 0 l4b'-o lt1.l 0 0 2bS 0 " '" "" 0 0 0 0 0 0 0 0 0 0 ••• £'25 " 131 i5'1 no .l1'1 )t,'!> ;lu 317 311 0 lU"I 10• 0 0 0 0 0 0 bV.i:: 0 610 0 0 0 0 0 0 3•> 24151 15'137 l47B3 lbl 79 41.23b 'tb03.?: 2147b LbU 1B9b~ 5&111:S 22i;sl4 U4 27075 L1b :-,.:,o 1,0 o>l 321 0 0 " 0 2!>U!> '"" ,,.. ,es .,. 0 l.303 ,0 0 0 47' ~PA llc,t5 0 0 ,,... (41 Ne. 0 0 10'15 ib~lO 1 (31 1977 Rt:.QHAL •• 0 '" 0 0 1715 0 1274 I.,:)'!> 0 0 0 &33 '~I Mw klQ~AL 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 u 0 0 2 0 0 0 0 0 " 0 0 --" ,1 0 0 0 0 0 lbl 0 0 0 0 0 0 0 0 0 0 >92 0 "< I bl l,Jf Ll,J-(!>) 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 .... . . .... .. ... .. .. • ..... ... ... .. ... .... ~ 01 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 8EN~FIT 10 BANKS CCJVl:.REO tiY l'UJOlflfD S. 8!, N0NMlMBER BANK.S os• ( 11 NAME l0CAllON TLiE.P i/d/79 (<I VLlC.!>H (3) 1~11 f-'.tWtAL 7553980 75!>4Vl0 7554C50 1554{;80 75~40SIO 7~:,4100 1554130 7554145 75!i415u 755.C.161 7!.>5'tl70 75':>4l'il0 7554210 75S4l2C. 95':>4.<:b0 955,.2b!> 7~5'-t2':I0 7~54~00 7~5 .. .:,4c, q55, .. .:,55 7554385 755"'430 75~'t435 7554450 755"'470 1554505 755 .. ~50 ~5'>45b0 7554~7!t 7 '.:l,<t620 155-.030 755-'t::>65 q554i:,90 75'.)4 JOO 9S~<t72U 95'>4130 7S5474S 7SS"'tEOO 7!>54~10 7~54E,40 9'.)".>48!>0 7554910 7554~30 7S54'140 7SS'i980 7554982 Cl JV BANK r. TRU~ T CUHPANY PO~ T WASHING TUN STA.Ti; BAfllK. FAFd11:RS, STATE:. BANK Pl::UPLES SU,lE BANK PkAlklE CITY bANK. BANI<. Uf PRAlkll DU SAC PUI..ASKl STAH: t>ANK 8Ar.iM. UF tLH,H.OU FARMEJU A~D Mc.kC.HAI\ITS 6ANK. fJkST Wl bl(, or RACINE 1\/i0l"'.TH SIDE. DA."4!'1.. 0.\1RY'14N!> Sh.It tU,NK fAk!"i~RS A,-.0 MERCHANTS, tsAt\11<. RE.lC.StlURG bANI<. M~kC.HANTS SANK t,, lRUS 1 [JAlkY STATE HANK fAkMt:.RS, ANU ME.RCt1ANTS bANtc. klCHL4N0 COUNTY bANK Mt.I RIPON STATt bANK Ml V~R fALLS Sl All: bAf'-41(, RlYtR VALLEY STATE bANIC. FAkM.ERS AND C.1 lllE:NS bANIC. I~Tt.RC.1 TY STATE BANK. VALLl::Y t:IANi<. Uf Si:YMOUR Cll llt:NS ~TAlE 6A~K C.l 1 IH:NS. NOR H1 SlDt: bANK. SUVlH WE:H S,TATE: BANK SHELL LAl'(E SlAlE liA.NK NUklH SHL,l{.,E t>.\tit<. HUMC S l A lE bANK ~0UJH M.ILWAU~U: MARHIC SANK flk~l bANK Uf- SPARU 8A~I'( OF SPOU~ER B4N~ C...f- Sf-'R l "1G GKHN BA~rt.. Uf SP~lN(, V.A.lU.Y FA'tME.RS £.. MtRC.HAr-.TS, ST bl<. PE;QPLCS SJATI: bANP:. ST0t/4HTUN SlAlE eAr-.K STkAlF0kD Sll,TE. bANK hANIC. UF SUN F-RURIE: CUfl'l"'IUNl lY 8tC. &. TR C.U SUF-l~V STAT!:. bAM<, C.0luNJAL 5TA1t BANI<. Pt0PLE!a EXCHANGE BANK FAR.MtRS ANO HC'/.1,C.MANlS tlANK flRSJ BK OF TLlHAH ..-cRTAGE PORT MA.SHI kl.TON POUND PRAJkll:: OU C.HltN PRAlklE OU C.Hll:.N PRA lklE OU SAC PULA~r..l RAC INl: kACl~l kAL.lNE: P.,t,C l~E IO.NU0LPH kf:.ElJ~bUkG Rl:.l::Ll::.bURG khlNi:LA.P1Wt::R RICE: LAKE K.lCHLANi0 CENTER RICHL.t.N0 CU-HER Rlf-'UN klVtR fAI..LS R0THSCHlL0 SAUK CITY ~C.HUr IE-LO Sl:YM0UR S.HA~AN0 ::.Ht:'d0YGAN SHEUUYGAN S,Hl:L I.. LAKE !i,HURCWOUO SUUTH Ml LWAUKEE SOUlH MlLWAUl\t:t:. SPARTA SP0uNE~ SP~ H.ib <,REEN SPR.Jril, VALLEY SU."4U:Y SH:11 lN lNP S lUU&hl0N SlkAlfllk[J S~ Pk41Rlf !>UPlRlllk SLR !Nb lHIENSYlUf THOkP T~AH TOMAH Wl Wl Wl WI Wl Wl WI WI Wl Wl Wl WI Wl Wl WI Wl Wl Wl Wl Wl Wl Wl Wl Wl Wl Wl Wl Wl Wl Wl Wl Wl Wl Wl Wl Wl Wl Wl Wl Wl WI Wl Wl Wl Wl Wl 30192 311 0 3L9b9 342 lb339 27t,4l .l'1540 2.£59<, i 5b92 41!>9!, 14li77 4111'1 40163, l~'ib'il '-!>710 '"' '"" '.,.)} 0 0 0 20'!.73 3~504 23'i~'e 2bb53 25572 23440 1344't 11793 33404 17077 16320 464t..9 24577 2'i~58 lt>0b4 -~· <•I Nl• H <>I Nt• kU,11bill 0 •• C 0 0 " 0 0 1, 0 lH 2:,2 0 0 30 bb 0 ~,s 0 0 ,., 3,07 bY7 L~ 1 3bb ,o, 31L -'bl 343 0 0 0 0 0 0 0 0 0 0 0 "0 0 0 0 4'0 0 ,o 103 31> ~bl 21J 3'3 0 0 0 .:oo 0 0 ~lo 3db ••• ,, 0 0 0 0 0 0 0 0 0 B> 0 0 0 0 0 0 30 0 0 31& ., 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2,3730 15('.97 l33S3 39019 30• 0 11• 0 0 lS> 134 0 0 0 1 !>t9.C. 33180 4 lS6b 21140 24608 1942~ .:l) .,. 301 192 298 lb5 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 ,o. 0 0 0 0 0 0 0 0 0 200 )l!> :t5'1 0 2,1 u 0 0 0 l"-07'1 ~-· 0 0 0 0 0 18618 z.,10, DI )-( 0 0 ,,, "' ~,.., ,.,, 4"1972 2C,2'43 2E:.,L3 2 lt>lb 22Sb0 lb I ,., "" ~, 0 0 u 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 0 142 lul 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 u 0 0 0 0 0 . ... ... . ... .. ... .. .. ..• .. .... ~ 0> https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis NON'1E:.l'IBER BANKS Ill 0~8 NN4E 95549'10 1!>5 50l.O 7!,S!,030 75"'>5040 7!>550b0 7S>509V 75SS120 9~55UO 7555150 7555lb0 7!>55210 75552(jQ 755,:,320 75,5330 7!>5S.}4l 7S55.3't2 7!>55.3!>U 7555.365 7j55360 755:>ioOU 7555-'tlO 7S!>S44V 7:0S.:>450 7:05':.G,be 75:>5-47il 755~'-85 7555500 75555'-0 955!>570 OF LOCATION BRADLEY BANK TCJHAHAWK SA:O.,r;. Uf- Two Rl Vt:RS 1~0 RJVtRS lWO RlVtRS SAVlNC.S bA.t«. lWll RlVtR~ STATE: br.. UF l.Nl(.;."'4 GVE UtdON GkOYf bAl',K OF YE.RO~ VtRONA STAH: bK UF YI RUCIUA VIRUQUA WAUiURTH STAH: BANK • WALWOklH WAS.MBUKN STATE bANK WASHSl.,RN FARME.RS ANO ME RC.HAN 1 S ~1 Alt. WATtk.LOU MC.I 1:!,ANI<. OF WATE.RTOIIIN WATERlO•IN WAUl\l:SHA S.TAlt. BAN:<. WAU!(.C.SHA C.Illll:IIIS STAH: tsl(. AND lR WAU!)AU Pl:Ji,blNE. WAUS.AUKtE: BANK. WAU~AIJKl:E UNllJl'i S.TAlE t,ANK WAU IUMA flKS.T 1,nsc.m,1s,.,, bl<. OF ,UYf,AlkWAUWA10SA HERlTAGE. bA~J<.-l'!AYF-AlR WAU"'A TUSA WAUrlATUSA HAIi:. bANI\. WAU,-1Al0SA Ct:.,'IITR4L 1:U,N,'\ Wt.S l ALL lS WE:.S.1 ALLIS S.U.11: BANK. WE:Sl ALLIS wu.,1 bENO wCS.1 bEND MAklNt bANK WU,lbY CLLN VALLtY STATE BK Wt.5,16Y fARMl;RS, ANO HCR01ANTS BANI<. WE.YAUftEGA hCklJAi.lC BK OF loi'HJFlSH BAY \IIHI H.Fl SH BAY C.UM!'IE;RC.IAL &ANI<. Wt-11 lt:WAl Ck flR~T C.I Ult.NS STATE BANI\ Whl HWAll:R Ht:.RllA,GI:: b.\NI(. WlNU .,UlNl B,O..,r;. Uf wlSCUNS.lN DELLS WlSI..UNSlN C,E::LLS t i T lll:NS S.TAH. BA~K. Wllll:N&l:.RG WOOORUF-f LAKt.-.LANO STATE:: 8A~ 243 tSANKS Aff!.ClEO IN STAlE:: 2/t(/79 8E:Nffl 1 10 BA~KS COVE:RE:O bY "OO!FJE:O S. 8~ lb4 lb WI WI WI WI WI Wl WI Wl Wl WI WI •1 WI WI Wl Wl WI Wl Wl WI WI WI WI WI WI Wl Wl 1'1 Wl 121 TO~P VL. TC.S.H lbll2 3So 540 "lb 1B9 3~S7'J 3l.b40 24!>11 20091 231; 22193 21770 19023 275b0 30b35 72l't9 't37'il 22't59 20s 32022 )77&7 l.&f:100 l l lb9l 21Jl3 &5062 3tb2~ 22029 l4b8b 995l't ltH22 ;oc,,tio ,,. 250 317 342 130~ ..,.~, 501 51> ,,o lbb6 •o< b>o 3,;t, 211 192 131 1977 H..H1iSAL 0 0 0 0 0 0 0 0 0 0 0 l91 ,. 0 0 0 0 0 19 ... 3 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 20,l .. 0 0 0 1350 0 0 0 0 0 0 0 0 0 0 0 0 0 31 0 1792 0 0 12ti.O 0 0 159 13)-151 0 0 0 .)179~ 0 o7 ,., un 0 0 0 0 0 0 0 3,~ I 51 N•• Rl~bAL 0 0 2-. 3'1 31> EPA 0 0 lU .H, <bO 5C,.t79 2d09Q 18~02 (41 Nl• 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 ..•• .... .•• • .. ...• "" HAVE E AkNl~C:.S PAR llC.1 PAl lUN M.C.OUNl Uk kt.wUlht.t, kt:~t:hVt bAL AAIC.E: HAYE NU kUtUkE:0 RE~tRYE HALANC.I: ----------10~60071 lOSbCl.l'> lO~t.0140 lO!>C>Vi 70 1':))b(..'t4\J 10~004!>0 l0SoU4d0 10:>e>U5'>0 l-J'>t>0')1J Of. flkSl WYOMING 8ANK-CA.S.PER • C.A.S.PE:.R fH<.Sl wYltMlkG SANK toor CODY C.U'loiVEK~E C.OUNT Y bANK DOUULAS C.UtlR-'L 1:SA"IK. £. lRUST L ANOE.k fl~ST HC.URl lY bAr-tK RUC.~ ~PRIN~~ ~.O'<- lH ~lOt: ~ TA Tt 84NK ROC< ~PRlNGS bA~I\ uf- C.U~ME:RU: 5HERIOAN F JI.( ~1 IIIIY011ING bA~JI. 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STATE: bA""WI.ALANO '9 t,A~l'-S AF-ff.C.HO IN ~TAH 3 • WY WY WY WY WY WY WY WY WY 3b18b 510 l'tllb1 'tlb4b 211~5 2:>U73 3H,22 !>1<!'. t!-4 17L,j'9 3Clbll .::bit 0 0 lob 1, 31• 0 ~~4 0 0 0 24.t 0 0 2n '"' 400 '" lL.j 0 0 0 71 lOlb u !So HAVE: NO t.AM.f1lf"(G5, PAM.llC.JPAllLN ACC.t:JUNT lJR Kl:'-Ulki:O kt.5,[RVE HAVt; ~O Rt.l..Ukt.0 klSf.kYE t,ALA"lt..t. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 ...• .... . bALANtE. ----------------------------------------------------------------------------------------------------------- ~ ..... -;i https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis _ _ _ NONINSUREO 1:iANKS B~NEFl T TO fl.ANKS COVt.R.1:0 BY HOl.llfHO S. 8!, ( 1) NAME DSB LOtAllON lDEP 10080297 ROCKY Ml INDUS TRIAL BK COLORADO SPRINGS 10081012 GOVERNMENT EMPLOYEES IND BK LAKEWOOD OF (21 VL TCSH (31 (41 (51 1917 NlW NEW REQBAL_ EPA. __ RfcQbAL 1~277 0 0 5bO'i0 87 1250 0 271 161 OlF (31-(51_ ____ • 0 -271 2 BANKS AFFECTEO IN STATE O HAVE Ml EARNINGS PARllC.lPAllON AC.COUNT OR REQUlk.ED kES£:RVE bAL4Nc.E: __________ _ ________ 1 __ HAVE NO RlQUREO RCSE;RVE 6ALANC.E bl21240 Pf:NSACOLA LOAN OF CO CO __ 2/22/79____ -- _ AND SA'VlNGS 8PE:.NSACOLA 1 bANKS Affi:C.TEO lN STATE 18632 FL 0 84 0 155 0 HA.Vt NO EARNINC:.S PAKTlC.lPAllON AC.COUNT OR Rt:QUlRE-.D RESERVE 1:SALANCE 1 HAVE NO RE:.QUREO k£:SERVE 8ALAN(,E 0 -------------------------------------------------------------7111~96 BANCO DI ROMA 7171499 BANK LHiMl LE:-l!>RAEL 7171504 BAt--,K. FOR SVG5 C. LOAN ASSUL CHICAGO 717155b COMME:KZBANK AK T CHICAbO CHICAbO CHICAGO Ct,ICAC:.O ___ 7171572 CRt:I.JIT L YUNNAl S _ 7171744 LLOYDS !:SK. INTL LTD C.t-11{.A(,0 (.Hl(.A(,0 7171501 BANQUE NATIONALE DE PARIS 7171863 NA l lONAL bK OF 717l957 SANWA liANK. G.RE.t:CE S A 7172032 SUMllOMO BANK LlMlTEO ------ lL 1L IL IL lL IL 1&500 17096 497570 46782 ~0449 9V>42 1L lL IL C.HlCAC..O C.HIC.AGU ChlCAGO 1L so 0 0 0 0 0 0 0 0 63 l lS lb 13 l.4581 1 2&32.ts 2blb8 2b727 127 25 1 167 G 1130 765 3b4 l2b5 13 0 126 297 0 324 0 0 16125 0 0 1190 0 0 0 0 0 0 -lbl25 0 0 _ .-1190 "0 0 0 .• ..• .• ....c.:, 00 _____ Q.f___ ~ __l_Q__BANKS_Af_fE.CIE.Q__.lN_____S,JAT f; ______ 1 _HAYf:. NO EARNING~ PAkTlCIPATlUN AC.COUNT UR kE.Q.UlREO _R,ESERVE_ 6ALANC.f___ ~---- 7 HAVE NO Rt:.QUREO RCSl:.fi.VE HALANC.E -------------------------------------_ 230-'1&34 BANCO 01 ROMA - - - - 23646:36 8ANCD 00 BRASIL ------- NE• YORK YLRK Y[1RK, 'YURII. YORK NcW 2304837 S.ANCA CC,MMERCIALE lTALlANA NlW 23b'4839 BA~CA DEL LAVORO NEW 23646't l &ANCO Cl: LA NACION New 2364842 bAl'iCO 01 NAPOLI kEW YORK. Nt:W , ______ NEW . 23b't655 BANCO REAL 23b't85b bANK FUR GEMHNWIRTSCHAFT NEW NEW 23o-.8S7 &ANK H" ~flALlM B H YORK. YORK. YCiRK. ClTY YORK NY NY NY NY NY NY NY NY NY ------ -- 44471 3!:>b345 23b0l 7 l~~:,47 UsS3292 _ 83__ ___ o _ 1251 272 lS 0 0 <>S 19 0 0 95261 13 82294 b1960 116300 119 _ 3 181 O__ 0 -19703 5203 -19703 9819 ;9ol9 2030 -~o::.o 41£7 525~ ~361 71204 -712(;1., 0 1732 0 ____ Q ___ 3896 _ _ _ 0 0 12:b5 Sl2 0 -512 0 49£0 263 " -263 ---~ - * --- https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis ____ f'<iQNIN.S.URE.O bAl'IIK.S I l) DSB NAME 2J64892 2364896 23b4940 23b4963 23b5032 2365,(141 2365048 236!l-049 236:>058 23&5214 _ 2::,c,!)-'.43 2365255 2~b~258 2365315 2::.65318 23&~3-43 2:365:Y.4 2365345 23C5404 236~425 2305-4}0 2j6;)445 __ 236S"c54 ,2,:jQ5463 2365,404 23c,~465 2365,-467 2365470 _ 23t:.5471 23654 ?3 2365535 2365536 2365539 LOC.ATIUN BN'-1 f-RAN DE (UM l:.XT Ekll:.Uk BARCLAY~ UAN.K !NTL bRLWN BKO::, HAR.klMAN t co C.HAR.H:IHD BANK UF- Ll.JNOON C.OMMEi{ZBANK AK T CkE:UIT lNUU!>lkll:L El CKE:011 L VON.NA! S CRE.[,IJG lTAL lANO C.OMML URf:SDNtR oANK New YORK NY YURK N1 YlJR!(. YGRK VURK YORK VCJRK. NlW YLRK NlW VUR.K New YURK 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 NY NY NY NY NY NY HU1'.t,KUNG t. SHANGHAI BANK l~K.Ai:.L DISCOUNT BANK _ _ _ NlW YORK LLUYDS BANK lNll LlD Nee YORK. lONC..-Ti:kM Cf<EDl 1 BK OF JA.PANNE.4 YORK Ml l 5Ufd5Hl liANK Ll0 New Vlik.l<. Ml l SUI bANK LTD 1'111::.J V(·KK !I.Al lQN/ril DA1'.t<.. UF PAKISTAN NlW YORK NATL UESlMlN~TE.R BANK. NlW YORK ALGCMl:.Nt: oANK.. NEDCRLAND Nl:J,' 'tORil. PHIUPPINE NATIONAL BA~K. NEW "ORK. SANWA. tlANK LTD NEW YORK SAVINGS l!ANK.S TRUST CCMPANV NCW VUP..K ST A1\UARU CH.6.RT E:.Rl::O b.ANK LTD NHi YuRK STATE: bANK OF-_INDIA ___ . NEW YOR SUM.lTOMA tlANK l 10 NEW YORK SUMlTUM.0 TRUSl f. liKG CO LTD NEW YORK ~W l SS bANK CUK.PURAl lllN NEW YIJRK SWISS CkE:011 BANK NEW VURK. TAIYO K08f BANK. LTD NEW YORK TOKAI BANi.;,,_ LlMllf:.D NE;W VURK TOVU He.UST t BAf'-.iK.lNG CO LTD NC:W "ORK. UNIO:i bANI\ OF 6A\IAR1 A NcW ._,ORK UNlliN BANK. OF SWITll:RLAND NEW YlJRK WE:STC;EUTSCHE LANC.ESbANK NEW YORK. ------ 0 11 _53::Z.0_400 CABARRUS BANK.__[. __ IRU5_L.!.O __ lDEP NEW NEW NEW NEW NEW NEW OF _ _ 42 BANKS AFF-E.ClEO _ _IN SlATE ____ ,___ OF .. ___ _2/22/79 _ BE.NE f l 1 10 BANKS (.l)Vf.RE:D DY MODIFIE:D S. 85 0 l 204~!,c; _ 39041/7 33053~ lblil58 l47b66 46544 7 714b0 4't6510 666120 43735 131 1977 REQ~AL 72710 l 9~~00 751900 58&999 l 5l NEW RE;Q8AL 10) 0IF 13l-15L _____ 0 1205 390 -390 401 0 159 22 21 0 0 5~:">7 5282 4b5U!:i 21628 -46505 -21628 131 0 _ 2M4l 72 _-2&441 - - - - - 2:8408 164& 5093 2249 ---- 7b56 6006 -26488. -164& -5093 -2249 _-7B5b _ _ _ _ _ -8006 o_ s 0 0 0 0 20 8 23 140 _ 530 14.t. 10 5 0 3b 09 129 39 l - - - 2.________ l 37 71 2 0 ____ o ___ l 177495 304963 l 163 .. 9& 50 t,6218 - - - 18 _ _ _ 9 295061 s 32551£ 23b l97b419 &b 2343~7 .2.llb04 335SO 14) NEW HA 0 5539 1264 1741 1409 2350 4094 50!>6 5241 2548 2461 52b9 1586 271b 0 -21lb 0 .t!:1376 -25376 0 0 0 0 0 --- 5289 0 _ 19075 () 1136 22831 0 0 0 0 0 0 0 0 0 0 0 270 1S4ts0 1729 0 29{J0 ____ 0 2529 3303 3?91 14 8t, 5,288 o. __ --3199 0 0 0 0 3191 10363 61245, 1550 52 70 7~9 5'0 1'\Bb 1741 1741 Sl73 0 --- 0 2012 * -72 0 -19075 -22u.:n 0 -,270 -15460 0 0 * * • -3191 -10363 -61245, -5173 0 -2012 _ 0 0 4941 30049 -4941 -30049 i0842 -20842 * • HAVE NO EARNING5 PARTICIPATION AC.COUNT OR. RE:QUlREO RESERVf:-_bALANCf HA.VE NO RtQUk.ED RESE:RVE BALANCE: C.ONCORD _ __ l BANKS AFF-i:.CTEO IN STATt; 629bl 7:::6 438 345040 l5325 653540 &0556 765U6S 10Bl91 2009'64 121 VL TC.~H . NC ___________ . __ 67034________.l.b:;3_ _ _ _ .0-------5_5b ________Q ----~--*~-- HAVE NO E:ARNlN~S PARTICIPATION .\CCOUNT OR REQUIRED RESERVE BALANCt. HAVE NO Rl:.QURl:O fU:::>E:k\/E 8ALANt..C https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis --NONlkSURt:O BANKS Ill OSB NAME 9380090 BANK Of NORTH DAKOlA OF lOEP LOC.ATION BISMARCK l BANKS AFFECTED lN Sl ATE: NO 0 0 10401036 lNVE.S.TORS TRUST C.OHPANY __________ 21,2119 ___ _ BENEfll 10 BANKS C.OVEREO bY HUlHt'lt.l> S. 85 3 7605 7 131 141 1;1 161 589 0 ;2 75 65 lb -85lb HAVE NO E.ARNlNb~ PARUCIPATlON AC.COUNT OR RE:QUJREO Rl:SERVE BALANCE:_ HAVE NO R.l:QURED RE~ERVE 8ALANC.E __:___~:____----=:=======------------ OK DUNCAN 12) VL lCSH 1977 NEW Nt:W OIF _____ R<QbAL ___ EPA __ REQ•AL __ 131-1; I 0 llb52 56 • 0 ---·------·OF _ _ LBANKS AFEECTl:.O _lN STAlt. _____ Q___ HAVE: f'iO EARNINGS. PARTlC.lPAllON _ACCOUNT _Q(( REWUIRt.O_ _RE.SE:.RVE._bALANCf... _______ _ l hAVE. NO REQURE(J RESER.VI:: BALANCE ----- ----------------------------------__ l2'tl0501 BANK. OF TOKYO LTD PlJRTLAND _ l2o!t-l0Sl0 CANADIAN IMPRL bK OF COMMRC.EPURlLANIJ OF 2 BANKS AFFECTED IN S.TATE 0 1 Ok __ U3724 OR 07222 O____ l2b3 0 1330 _ 33_ 160 111 -717 0 0 0 0 0 HAVE NO EARNlN\J>S. YARTICIPATION ACCOUNT UR REQUIRED Rl:SERVE BAL.ANC.E HAVE: NO RtQURED Ri;.~ERVf: BALAN(.E ----- . - - - ----------~ --------------------------=----3423825 BANK OF Ut,NOISBURG 3427218 TOBIAS KNU8LAUCH - - - · - - - OF_ _ READllllG 2 BANKS AffECTE:O IN S.lATE ___1_44_0310_.WASHlNGlON.. TRUSL COMPANY_ OF LANOlStlURG 17822 L04 0 11025 143 0 0 0 Z 0 HAVE NO EARNlNG!:t PART!ClPAllON AC.COUNT OR IU:QUIRE.O RE.)~RVC;_ bA.LANC.£: HAVE MJ Rt.QUkt:lJ Rl::S.E:kVt 6ALANCE 0 1 HAVE NO EARNlNGS PARllCIPAllON ACCOUNT UR REQUIRCO RESERVE bALANCE HAVE: NO RtQlJREO RESEH.VE BALANCE Rl _ WE:STE:RLY !_BAN.KS AFFECTED IN !:tTAlE PA PA 98609 --~_lo10 ___ o _ 0 205_b____o __ _ o. •* https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis ~ bf.Nl::Fll TU llANK.S COVl::REO bY MUOlFlC:U S. 8!> NONlNSURCO bANK.S OSB 1253U819 BANK OF TOK.YO LTD Sl:ATTLE 12530820 CANAOlA.K lMPRL bK OF C.OHMRC.l:~EAllLE OF 111 lOf.P LOUTION N•ME 2: SANKS AFFEC.TEO lN ~lATE WA WA 0 ._O 106367 114509 2/22/79 -- - - - - - - - 12l VL lC.!::.H 2b 1;1 131 1977 R~QbAL 0 0 14) NtW ~·· 151 MW lbl OIF _ R.l:.Qi;jAL__ 13)-(;l_ 1481 1702 183; 1;01 -1702 -1!>07 HAVC NO EAfi.NlNbS. PARllC.lPATlUN AC.COUNT OR RtQUlkEO ttC~EkVE bALANU: .. HAVE_ NO Rl::.QUkED.RE.~E:RVt. bALANCC. ~- ~·------ ------------------------···· - - - - - - - - - - - - - --------- - - - - - - - - - - - · --·- ~---- - https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis ____H_Lll_UAL . .SAVlNGS BANKS lll:.Nl::.F-11 TO bANKS C.UVEktD 6Y MUOlflCD S. 8~ ( II DS8 NAME 2090130 PEOPLE!) SAVINGS BANK 1090640 SOC.IE TV FOR SAVINGS l0910b0 C.ONNl::CllCUT SAVINGS bANK Tl.1EP LDC.All ON Cl Cl C1 liRlOGEPORT HARlfURO NEW HAVEN OE _____ 3 BANKS AFFECTED _IN !>TATC ) 0 1512241 I329641i bl406~ 2/22/79 (2) VL lC.~H (?; J (4) 1917 NtW Rc.QbAL ___ c.PA 10386 0 "'6.40 0 1792 0 I 51 (6) NEW Dlf __ kc.Q8AL __ (3l-(5) _____ 0 0 0 0 0 0 0 0 0 .• * HAVf NO tARNlNGS PARllC.IPATIGN ACC.OUNl Ok REQUlkl::D_RE:;S.ERVE _BA_L_Ai:,.CE: HAVE NO kt:'-IURED Rt:.Sl::RVI:: BALANC.C --------------------- ---------------------------------------_3...100400 WILMINGTON SVGS FUND SOC Of OE WILMINGTLN _ 1 BANKS AFFE:CTED lfl.l STATE l 0 6446 74 2:174 0 0 O_ --- _o HAVf: NO EAkNlNGS PARllClPATION Al.CCJUNT OR RE.QUIRED RESEk.VE t>ALANCE: HAVE: NO Rl:.QUREO Rl::ScRVE BALANCE ------------------5240220 PRCJVIOE:NT SAVINGS BANK 5240260 SAVlNbS. BANK Of BALllMUkC. OF bALTlMORE BALTlMORE 2 BANKS AFFECTED IN STATE: 2 MD ~224&6 4!)19 MU 61fl'f54 2039 0 0 0 0 0 0 0 0 ·- . * HAVt: NO EAR.NlNGS PARTlClPAl IUN AC.COUNT OR REQUlRED RESC.RVE BALAr-.i:CE 0 __ HAVE NO fU."1URED k.EStk\lC. BALANl.E -----------------------1250255 BOS. TGN FIVE CENlS SVGS BK bOS lllN bllS TON - - - - - - - - - - - -125(..3-00 CHARLESlOI-IN ~AV lN&S bANK 1250410 HOME SAVINGS BA/\iK BOS TON l 2~0520 PKUVlDl:"Nl lNSl l lUH'II FOR SVGSbOS lUN bOS lON 1250570 SUFFGL~ F-fi.A.'iKl lN S.VGS i:IK BGS TON 1250~b5 UNlLN ~ARREN SAVlNl,S bANK 1252'390 NE I~ bEOfUKO Fl VE: CNT SVG BK NEW BEDf-OR.O l'tl:.WTON CE:NlcR --- 12:>~470 MUllJAL bAt-.K FOR SAV l NC.S 12:52730 tH;RKSHlk.E COUNTY SAVINGS BK PllTSFHLO 1253150 SPRlNGfl C.l.0 INST fUR SVNGS SPRING.FIELD wORCESltR 1253761 PEOPLE.S SAVINGS BANK 1253710 WCJRCESTER CTY INST r"L:k SVG~ WLRCt:~TER - ~ -.. OF___ l2 BANKS_AffE.CTED lN.STATl _____ 12 0 MA MA MA MA HA MA MA MA MA MA MA MA 27ti& 0 0 0 733060 - - 1483 ______ 0 _____0: _ _ _ o __ -· 48b 0 0 0 lt,-49 957060 0 0 0 594447 1.:.56 0 0 0 4037bl b0£ 0 0 0 <::.1VS3b 1£'77 0 0 0 45'1152 -- 1430 ---~-0 ____ O_~___ O _____ 140?12 0 0 0 504002 450H 0 0 0 314062 1418 0 0 0 37bb27 125b 0 0 0 900389 3"12009 ,,2 HAVE NO EA.RNlNb~ PAR.1 lClPAl IUN ACCOUNT OR REQUlf<.tO_RC...SERVE; _bALANCf; _ _ ~ HAVI:. 1\10 RE:.QURtD Rt:Sl:RVt BALANCE: ----------------------------------- ~·- 0 . ..•• . o __ •--··0 0 0 0 0 0 0 0 0 0 * .•• • __ -· - - - · - https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis HUTUAL SAVINGS BANKS Bl.:.NEFIT 10 bANKS CUVl.:.RED DY HUDIFJE.., !:.. 85 ( ll DSB NAME 2341550 2341570 2342030 234.ll70 OF HUOSUN CllY 5AV1NC,S BM.JK. PRUVllJENT SAVlNbS BANK MOk.RlS CUUNT Y SAVING!) BANK HOWAkO SAVINC,S BANK LOCAUON TDCP MURR l S TOWN NJ NJ NJ NtWAKK. NJ JtR!:.I.:. Y C 1 TY JERSEY ClTY 4 BANKS AFFE.CTED IN !>TATE 4 0 ___ 2/£2/79 - - ~ ~ (2) VllC.~H 810861 55b48!> 5233 557.;)22 20280&'1 315'1 bl2& 3~90 C::sJ 1977 NcW RHIBAL EPA 141 ( 5) NE::W RlcObAL 0 0 0 0 0 C, 0 0 0 0 0 0 (bl OlF _(3)-(5)_~--0 0 0 0 HAVE NO EARNINbS PAkllC.IPAllUN AC.COl.4'111 OR KEQUlkEU kESEtWE:: bALANC.E HAVE NO Rl:QUREO RE!>ERVE liALANCI::: ------------------------------------------------------------2;160870 DOLLAR 5AV!,''i~S DANK OF NY 2.;)60950 bkOUKLYN S-AVlNGS BANK 2361000 DIMl: SA\/ INGS bK OF NEW YORK 23b 1030 E:AS T NE:.; YORK SAVINGS BANK 23t>ll50 LlNCl.JLN SAVlNC,S BANK -· 2361112 ME:.Tk[;POLl l AN SAVINGS BANK 23t>l2i..i} blJFFALO SAVING!) bJi.t.JK 23C.1270 EklE SAVINGS bA!-.K. 2301330 WESTEf...N NCW YOkK. SAVINGS BK 2304070 LUNG ISLA~O SAVIN6S bANK 23649HJ BOWERY SAVINGS bANK __ 23b50C0 ORY DOCK SAVIN GS dANK 2365061) EMlGRANl SAVlll,GS bAN.K 236~lbl fl\J..NKLlN SAVINGS BANK. Of NY 2.:}b::,1-.:0 GRE:EN,HCH SA\JlNG5:a bANK 23o~2B0 MANHATTAN SAVIN&S bANK. 236535() NEW YORK BANK H,R S.AVlNbS _ 2360!>60 RlU&EWUOD !>AVlNG!) bANK Of -- ------ BRONX BROUK.LYN BROUK LYN BROLKLYN l::IROCI\LYN ~ROlJKLYN BUFFALO Bl.FF ALO bUFFALO LLNb ISLAND C.llY NeW YORK Ni:.W YGRK. NEW YURK NE:W YlJRit.. Nt:W YORK Nl:W YUKK NCW YORK RlOC.CWUOO 1B BANKS Af-F·EC.TED lN SJ Al E:. 18 0 NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY NY -- - - - - - - - -- 24(Jlbl2 130~.:)6'; 4065991 691760 1805-5~9 1167089' 1S-3834U 159&60() 7366,l,j, 965216 4532565 225052~ L3U307 l 144347& £0461':.8 197£1&.l 3323104 88L!i47 44lt2 3502 !>511 2:058 0 0 373,5, 0 0 0 0 t,113 3931 "0 5':.08 42b2 3513 ·1449 5103 ~848 4009 27':.9 3b3?1 4190 3L17 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 _o 0 0 0 0 0 ---- 0 0 0 0 0 0 0 0 0 0 0 0 0 0 - - - ~ ~ - - - -- - -- .. . ..• .. .•• .. ----·-~* * o ___ o _______ o 0 HAVI: NU f.Ak/\llN.b~ PAk 1 lC.lPAl ION AL COUNT OR kl:QUlRE:D RCSE:.RVE BALANCE: HAVE NO REQUREO ktSE::kVE bALAhC.E -- 0 0 0 0 0 0 0 0 0 0 0 0 0 0 a * co ~ co 324 Attachment B-1 Co111111ent: These amendments provide an exclusion from reserve requirements of up to $10 million for transaction deposits of depository institutions and an exclusion up to $10 million for time and savings deposits of banks. An institution's transaction deposits in excess of $10 million but not more than $50 million, and a bank's total time and savings deposits in excess of $10 million but not 1110re than $50 million are exempted from reserve requirements. Reserve requirements will be imposed on a depository institution's transaction deposits that exceed $50 million and a commercial bank's total time and savings deposits that exceed $50 million. A depository institution will maintain in an Earnings Participation Account at the Federal Reserve Bank (or passed through to the Federal Reserve by another institution) an amount resulting from first, multiplying the appropriate reserve ratios in effect for each deposit category by the level of the institution's exempted deposits for each deposit category and, second, deducting from this figure the amount by which the institution's vault cash exceeds its reserve requirements. The institution's Earnings Participation Account will earn interest at a rate equal to the average return earned on the Federal Reserve's securities portfolio. The amendments also provide for the following initial reserve ratios and ranges on deposits: Transaction Sa~ings Short term time Long term time https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 9.5, 8-101 31 1-3, 3-81 1-3, a, 11 325 B-2 Section 4 is amended as follows: (a) By striking the figure •40,000,000• each time it appears on page 5 at lines 6 and 13, on page 6 at lines 7 and 17, and on page 9 at lines 20 and 21, and substituting the figure •so,000,000• in lieu thereof. (b) By striking the figures •13•, •14•, and •12• that appear on page 5 at lines 6, 7, and 8 and on page 6 at lines 17, 18, and 19 and substituting in lieu thereof the figu~es_ •9.s•, •10•, and •a•, respectively. (c) By striking the figures •40,000•, •6•, and •4•, that appear on page 5 at lines 13, 14, and 16 and substituting in lieu thereof the figures •$so,ooo,ooo,• (d) •a•, and •3• respectively. By striking on page 5 the words •one-half of 1• that appear at line 22 and the figure •2• that appears at line 23 and substituting in lieu thereof the figures •1• and •3• respectively. (e) By striking the figure •s• that appears on page 6 at line 3 and substituting in lieu thereof the figure •3•. (f) By adding at the end thereof the fo~lowing new subparagraphs: •111) Every depository institution shall maintain in an Earnings Participation Account at a Federal Reserve Bank of which it is a llelllber or at which it maintains an account a balance determined by multiplying the UIOUllt of its transaction deposit■ that are in excess of $10 million but not more than $50 million by the reserve ratio in effect for tranaaction accounts and, in addition, every bank shall main.tain https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 326 B-3 a balance determined by multiplying the amount of the total of its savings and time deposits that are in excess of $10 million but not oore than $50 million by the reserve ratio in effect for each category of savings and time deposits. If the total savings and time deposits of a bank exceeds $50 million, the amount of its savings and time deposits against which a balance shall be maintained shall be determined by multiplying $SO.million by the proportion that the bank's deposit in the respective categories bear to the total of its deposits in the categories. '11\ny amount by which a depository institution's holdings of vault cash exceeds its reserve requirements on its reservable deposits shall be deducted from the institution's required Earnings Participation Account Balance. •The Earnings Participation Account of a depository institution shall earn interest at a rate equal to the average rate earned on the securities portfolio of the Federal Reserve System during the calendar quarter immediately preceding the interest payment date. The Board is authorized to adopt rules and regulations relating to the issuance and administration •of Earnings Participation Accounts.• https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 327 B-4 Section 5 is amended by inserting after the word "Reserves• on line 4 the words •and balances.• https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 328 Attachlilent C Section 6 is amended by striking all that follows the word •services• on line 13 until the period on line 15. Comaent: This eliminates the requirement that by July 1, 1980 the Board have put into effect a schedule of fees for Federal Reserve services. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 329 AttachlEnt D In Section 3, the second sentence of then- paragraph added to the end of Section ll(a) of the Federal Reserve Act is amended to read as follows: •such reports shall be made (l) directly to the Board in the case of member banks and for all deposit liabilities in the case of other depository institutions maintaining transaction accounts as defined in Section 19 of this Act, and" Comment: This amendment clarifies that depository institutions with transactions deposits will file reports on all deposit liabilities directly with the Board. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 330 Attachment E Section 4 is amended by striking subsection (7) on page 8 and inserting in lieu thereof the following: "(7) A depository institution possessing transaction accounts shall be entitled to the same discount and borrowing privileges as member banks.• The following section is inserted as section 10. "Abolition of Penalty rate" "Section 10. u.s.c. Section l0(b) of the Federal Reserve Act (12 347b) is amended by striking all after the first sentence thereof.• ~: These provisions provide access to the Federal Reserve discount window to all depository institutions possessing transaction accounts and eliminate the penalty rate now required by the Federal Reserve Act when borrowing institutions collateralize their loans with ineligible paper. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 331 Attachment 'I! Section 4 is amended by adding to subsection (5) on page 7 the following: "Nonmember banks shall be required to maintain reserves based upon the activities of their foreign branches and subsidiaries to the same extent required by the Board of foreign branches and subsidiaries of member banks.• ~• This provision authorizes the Board to require nonmember banks to maintain reserves against the obligations of their foreign branches and subsidiaries on the same basis required of member banks' foreign branches and subsidiaries. 44-240 0 - 79 - 22 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 332 Attachment G -1 Section 9, entitled "Effective Dates,• is redesignated as Section 11 and the following is substituted in lieu thereof: ACCESS TO CLEARING SERVICES •sec 9. Reserve Act (12 (a) The first paragraph of 11ection 13 of the Federal u.s.c. (1) 342) is amended as follows: by inserting after the words "member banks" the words •or other depository institutions•. (2) by inserting after the words •payable upon presentation• the first and third times they appear, the words •or other items, including negotiable orders of withdrawal or share drafts•. (3) by inserting after the words •payable upon presentation within its district,• the words •or other items, including negotiable orders of withdrawal or share drafts•. (4) by inserting after the words •nonmember bank or trust company,• wherever they appear the words •or other depository institution•. (5) by inserting after the words •nonmember bank" after the second colon the words •or other depository institution•. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 333 G-2 (b) Reserve Act (12 The thirteenth paragraph of section 16 of the Federal u.s.c. (1) 360) is amended as follows: by striking out the words "member banks" wherever they appear and inserting in lieu thereof "depository institutions•. (2) by striking out the words "member bank" wherever they appear and inserting in lieu thereof "depository institution•. (3) by inserting after "checks" wherever it appears the words •and other items, including negotiable orders of withdrawal and share drafts.• (c) Reserve Act (12 The fourteenth u.s.c. paragraph of section 16 of the Federal 248(0)) is amended by striking out "its member banks" and inserting in lieu thereof."depository institutions.• ~• In order to assure equal treatment for all depository institutions these amendments conform various sections of the Federal Reserve Act relating to clearing facilities by eliminating the distinctions drawn by the Act between member and nonmember depository institutions. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis MONETARY POLICY IMPROVEMENT ACT OF 1979 MONDAY, MARCH 26, 1979 u. s. SENATE, COMMITTEE ON BANKING, HOUSING, AND URBAN AFFAIRS, Washington, D.C. The committee met at 10:10 a.m., in room 5302 of the Dirksen Senate Office Building; Senator William Proxmire (chairman of the committee) presiding. Present: Senators Proxmire and Garn. STATEMENT OF CHAIRMAN PROXMIRE The CHAIRMAN. The hearing will come to order. Today we are continuing our hearings to consider legislation to deal with the problems associated with the erosion of membership in the Federal Reserve System and to consider the effects continued attrition might have on the ability of the Federal Reserve to conduct monetary policy. The committee has before it two bills: S. 85, which I have introduced; and S. 353, which Senator Tower has introduced. When Chairman Miller appeared before the committee on February 26, he presented another option for consideration which he had already shared with the House Banking Committee. Since that time the Board had decided that it is not wedded to its so-called "Earnings Participation Accounts," which would allow interest to be paid on some reserves. That is, I think, a significant development. Another significant development was the failure last Wednesday of the House Banking Committee to come to any agreement on how they would remedy the membership problem. As we hear from our witnesses about their views on S. 85 and on S. 353, I think that it is important for the committee to realize that although there may be alternative ways to deal with the problems and issues raised by the attrition of the Federal Reserve membership, the basic issue is whether we really want a strong Federal Reserve that can act as the Nation's central bank for all banks and depository institutions, or whether we should continue with the system we currently have in place. It is my view that if we are going to do something, we should seek a permanent solution to the membership problem. I see no way to do that without really making membership itself a nonissue, and focusing on the establishment of universal reserve requirements. https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis (335) 336 We are the only country-the only major industrialized country-where the central bank does not have the legal authority to apply reserve requirements on all depository institutions. It is extremely important that the Federal Reserve have the necessary powers to conduct monetary policy, especially in this inflationary time. We already have an inequitable situation with regard to reserve requirements, and I hope that we can correct that situation. It is also important that the Federal Reserve be able to get all the deposit information it needs to conduct monetary policy. And it would be very beneficial to the Nation if the Fed's discount window were available to all banks, and if the Federal Reserve's clearing services were offered on the basis of a market related price rather than given away to members only. Finally, I am compelled to say that I remain unalterably opposed to the payment of interest on reserves. There is absolutely no precedent for paying interest on reserves and no authority for it in the Federal Reserve Act. If we were to pay even a little interest, it wouldn't be long before the banks would be knocking on our doors demanding more and more and more. I suppose there would be no stopping it until the Treasury had paid in full the market rate on all reserves, and that would go into billions of dollars a year. It would be hard to explain to the public at a time when we are cutting back everywhere else, and should be cutting back. Having said all this, I want to repeat what I said to Chairman Miller: I would be willing to support the payment of interest on reserves if we revise the law on entry into the banking business to make it conform with entry in other businesses, if we abolish the prohibition of interest on demand deposits, if we abolish regulation Q, and if we arrange some kind of a franchise tax to recognize the advantage banks have in investing in tax-exempt Government obligations so they pay taxes comparable with other industries. When that day comes, I will be happy to support such a bill. Until that day comes, you will find me in solid opposition. But if the banks simply want a bill which will result in lower re;serve requirements, and therefore increased profits for them, and will at the same time give the Federal Reserve the universal reserve requirements they need, they will have my support and we can enact such a law promptly. STATEMENT OF SENATOR GARN Senator GARN. Mr. Chairman, I have no formal statement, but I do want to _express, at the outset, my opposition to mandatory reserves, which we will get into in more detail in this testimony and in later sessions. To me, thjg jg a typical way in which the Federal Government operates when an agency has a real problem such as the loss of Federal Reserve membership. I have always be'en a staunch defender of the Federal Reserve System-but to comment and simply say "we have a problem," and we are asking Congress to compel banks to ~me members-that jg the typical response of most Federal agencies when they do not have the courage to push for what they https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 337 really think is the solution to the problem to attempt to be competitive, to offer a service that will induce people to want to belong. We run to Congress and say, "OK, we will use the big club: legislation. We will simply pass a bill that compels and requires and mandates." I am opposed to that principle in general, not only in this particular instance, but its use over and over and over again, and I think the independent bankers ought to recognize that. I am very, very disappointed in the action they took this month at their convention. I think it is an extremely short-sighted position. If this bill is passed, they will be very, very sorry that they put the Fed in this position. I do not believe the Fed will be as efficient, or as good an organization as a result of going to this kind of legislation. I think it is a copout-what we normally see in Governmentonce again, a compulsion of mandating by Congress, and we will live to regret it if we pass this bill. The CHAIRMAN. Thank you. We have a letter from John A. Heimann, the Comptroller of the Currency, relative to S. 85 which we will include in the record at this point. [The letter follows:] CoMPTROLLER OF THE CURRENCY, ADMINISTRATOR OF NATIONAL BANKS, Washington, D.C. April 2, 1979. Hon. WILLIAM PROXMIRE, Chairman, Committee on Banking, Housing and Urban Affairs, U.S. Senate, Washington, D.C. DEAR MR. CHAIRMAN: I welcome the opportunity to present the views of the Office of the Comptroller of the Currency on S. 85, the "Monetary Policy Improvement Act of 1979," and related legislation designed to deal with the Federal Reserve membership problem. The continuing attrition of banks from the Federal Reserve System, if not corrected, may have serious implications for our financial system and for the governmental framework designed by the Congress to assure the stability of this system. In testimony on S. 3304 before the Senate Committee on Banking, Housing and Urban Affairs last August, we stressed that the objective in devising a strategy for dealing with the membership problem should be the evolution of a financial system which is as efficient and flexible as possible and which relies to the greatest extent possible upon the marketplace as the allocator of resources. Such a strategy should provide for equitable treatment of like institutions, explicit pricing of Federal Reserve services, and open access to those services for all depository institutions. Furthermore, we stated that development of specific solutions should be consistent with the following principles: (1) reserve requirements should fall equally upon comparable liabilities for all deposit-taking institutions; (2) the efficiency and effectiveness of control of monetary policy in the long run should be maximized; (3) the cost to Treasury and the taxpayer should be minimized; (4) the balance between the federal and state banking systems should be restored; and (5) the solution should be simple and easy to administer. S. 85 would impose uniform reserve requirements against similar deposits at member and nonmember commercial banks and against transactions accounts at thrift institutions. The first $40 million of demand and transactions accounts and the first $40 million of time and savings deposits at each institution would be exempted from reserve requirements. There would be no payment of interest on reserves. As we understand the proposed bill, all depository institutions would be given access to Federal Reserve services except the discount window, which would be limited to those institutions required to maintain reserves. In addition, nonmember banks which, because of their size, are not required to hold reserves would be given access to the discount window upon certification of solvency by the FDIC. S. 85 https://fraser.stlouisfed.org Federal Reserve Bank of St. Louis 338 would also require the Federal Reserve to charge for the services it provides by July 1, 1980. We support legislation along the lines suggested by S. 85. While we believe that eventually there should be substantial equity among all competitors of comparable size and characteristics regardless of their types of charter or regulator, we do not believe that action to halt the drain of deposits subject to Federal Reserve System reserve requirements should be deferred. Accordingly, we support S. 85 as a poistive and practical step toward eliminating the inequitable burden of reserve requirements and toward providing a solution to the problem of assuring the Federal Reserve adequate control over the monetary aggregates. We believe action should take place now before more serious consequences develop. Commercial banks have been leaving the Federal Reserve System at an accelerating rate and in recent years some large banks have joined this exodus. The basic reason for the exodus is that member banks are required to set aside a portion of their reserves in noninterest earning form whereas most nonmember banks and thrifts are able to fulfill all or part of their