Board of Governors of the Federal Reserve System (U.S.), 1935-. "Joint interagency issue of loan-to-deposit ratios for compliance with Riegle-Neal of 1994 : Attachment 1" in Press Releases of the Board of Governors of the Federal Reserve System (September 7, 1999). https://fraser.stlouisfed.org/title/9237/item/674359/content/pdf/frsbog_pr_19990907a-1, accessed on March 11, 2026.