H.R. 13847

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Title:
H.R. 13847
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A bill to facilitate the implementation of monetary policy and to promote competitive equality among commercial banks.
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United States -- Congress. -- House. -- Committee on Banking, Finance, and Urban Affairs
U.S. Consumer Product Safety Commission
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U.S. Govt. Print. Off. ( Washington )
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aleph - 21897102
oclc - 3049728
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HOUSE COMMITTEE ON BANKING, FfINANC NUBNAFAR

HENRY S. REUSS, Wicni, hia
THOMAS 14 ASHLEY, Ohio W
WILLIAM S. MOORHEAD, Pesvana GARRY Rii
FERNAND J. ST GERMAIN, R Island
HENRY B. GONZALEZ, Texas JOHN H.. RC
JOSEPH G. MINISH, NewJ.
FRANK ANNUNZIO, Iiois,
JAMES M. HANLEY, New Yor
PARREN J. MITCHELL, Maryland RCADKLY lrd
WALTER E. FAUNTROY, CHARLE .GASEIw
District of Columbia
STEPHEN L.1EA, orth Crln IECIw
JERRY M. PATTERSON C .
JAMES J. BLANCHARD, .icigan T EN
CARROLL HUBBARD, J,, New York
JOHN J. LAFALCE, New York HRL .HLEBCNwJre
GLADYS NOON SPELLMAN, Mayln S. IIIAIL GRENwYr
LES AUCQIN, Oregon
PAUL E TSONGAS, Mshts
BUTLER DERRICK, South Caroli
MARK W. HANNAFORD, Clfri
DAVID W. EVANS, Indiana
NORMAN E. D'AMOURS, New
STANLEY N. LUNDINE, New York
EDWARD W. PATTISON, New York
JOHN J. CAVANAUGH, Nebrak
M~ARY ROSE OAKAR, Oio
JIM MATTOX, Te ais
BRUCE F. VENTO, Minnesota
DOUG BARNARD, Gorgia
WES WATKINS, Oklahoma
ROBERT GARCIA, New York





GRAHrAh T. NORupDpt inrt tffDrco














August 17, 1978

Trs of the Committee on Banking, Finance and Urban
Affairs* othU.. House of Representatives


ned th is a staff report on H.R. 13847, the
FR Act Aedments of 1978, a bill "to factlitte
theimlemnttion of mnetary policy and promote competitive
equiy aongcomercal banks", and on amendments to the bill
whih hve eenproposed by the Federal Reserve Board.

Tn us of our Committee meeting on Monday, August 14,
wastha suh astuy wll nabe us to move mre expeditiously
wit a arup of the bill at 9:30 a.m. September 7 and at the
sam hor o Spteber8. ndon September 11anonecdy
therafte until action is completed.

Y uld note that of the eleven amendments recommended
by he edeal eseve(A thru KC) the staff recomnds adoption
of medmnt Aadoption of parts and some changes in Amenments
BI ndE;adptonof Aendmet D; adoption of Amendmn F;
rnt G; adoption of Amendment H; rejection of
Amedmets an J an substantial adoption of Amendment K. The
vies epresedin hisreprtwhich has not been officially
adote byth Comitee, my not necessarily reflect the view

I hpe hiswil fufil yor ned for light reading over




Henry S. Reuss

Banking, Finance and

















jitize(


E IntE


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THEii FEDRA RESERVE i AC AME14DMENTS OFii 1978iii~i
Purposes of H.R. 13847 iiiiiiiii
Th uroe o .R 347ae ) i mrv th cndctof
m n t r p oi y ,i 2 ) t o p roiiiiii~ii~i~~iii~ii! iiiii~i~iiiiii m o t e c o m p eti~iiiiiii i~ii~iiiiiiiiiiii~iii~i~iiiiiiiiiii~iii itiiiiiiii~iiii iv e e qui~iii ii~iiii~iiiiiiiiiiiii~iiiii~iit y a n d 3 ) t o r e-~iiiiiiiiiiiii~iiii~iiiiii~iiiiiii~ii~i
sole heFeerl esrv Sstm'smebeshp rolesan t d
so with miia cos to taxpayers. "

134 wa....ce nAgst1,17 b r es
fo isl n wnyoeohrmmeso h akn omte
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rasdb|eea eev ebrsi rso.Haig eehl

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fositewinseiui n CirmnG ila ilro
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grusadbnadaaeiecnms.








smaller banks. H.R. 13847 was develop

ciples.

A section by section summary of

Section 2. Section 2 would help

tary policy by authorizing the Federal

appropriate regulatory and supervisory

and asset data needed for monetary con

pository institutions.

Section 3. Section 3 would furth

minimizing differences in reserve regu.

among types of deposits.

I. Section 3 defines reserveable

reserves would have to be held as bank

and time) plus net Federal funds and 0

in 48 hours or less.

2. It exempts the first $100 mi

from :%l requirements and indexes the

3. It imposes a single, flat uni

6 percent on all reserveable liabiliti

allows the Federal Reserve to vary the

cent for purposes of monetary control.'

4. The Federal Reserve is given

ments outside the 5 to 6 percent lim

of monetary control in extraordinary c:

days and renewable. The reason for su

explained to Congress.





3


8I











wr$lo theao leabi 1400ss











.7. Nonmem eas reui ed reseove ree re ol have an c -
cew t ral Reserve serft 1,



nee.b.te. .I...a..prprat...t ban spr ior autorty












Section 4uSeciont refrste aeuthorit 7f an affc-
e t d ret aseveo. Th o Jnln 2979 or ch


ealir atia myieieignte byi the Boar of Goenrsoh

Federal l e v System.li~i!i I '!i'! i 'I''' ,h



Ef e t of.....n








banks, those with over $100 million of reserveable liabi

would become subject to reserve requirements.'(A number

299 non-member banks are foreign banks which, under the

ional Banking Act of 1978 now nearing legislative complex

be required to hold reserves anyway.)

2. Total reserves of member banks would be reduced

billion currently to $29 billion, or by more than 20 per

Nineteen out of 20.Qf the 719 member banks which would :

subject to reserve requirements would have their reserve

ments substantially reduced. Only member banks which no

tremely high proportions of total deposits in savings an

posits could be adversely affected. There are 39 such b

Information on the reserve requirements, which H.R.

impose on each of the 1,018 banks that will be subject t

quirements, is presented in Appendix I.

3. The Federal Reserve's membership problem would

tially resolved by the revisions in deserve requirements

plated by H.R. 13847. First, smaller banks could now be

of the Federal Reserve without having to hold reserves.

since all banks with liabilities over $100 million would

hold reserves, whether: members of the Federal Reserve or

jor incentive for large banks to withdraw from the Feder

would be eliminated.

4. A uniform 6 percent reserve requirement on rese

liabilities in excess of $100 million would improve mone

trol. It would minimize the problem that now exists bec

















thoityto djst he eqirement between 5h and 631 percn for

purose ofmoetay cntol. Thse limits are designed to restrict








owedby ometicoffcesof ank intheUnited States tothi





d liecty reate f reig off ies ad t nonelaed orein bnks


an ()lon t UiedSats eidns ad y vrsasofie


of bnkswit offcesin he Uite Sttes

7. Al bnks f cmpaablesiz woud b tratedalie i








9. The discount window wou b o

mercial banks. This will give assuran o

10. The cost to the Treasury woul4 be

vious proposals. The pre-tax cost will b

year. Supporting statistics are presented


Amendments to H.R. 13847 Proposed by the Fe(


AMENDMENT A.

"Sec. 2. Section 10 of the Federal Re.

adding at the end thereof the following ne
"The Board may require any depository

this paragrpah to make, at such interv
scribe, such reports of its 1ibitiea


may determine to be necessary oer 1

discharge its responsibility to mnitor and

CREDIT aggregates. Such reports shall be mi

Board in the case of member banks ND IN TW

TORY INSTITUTIONS FOR ALL LIABILITIES SUBJE(

MENTS, and (2) FOR ALL OTHER REPORTS to the

Federal Deposit Insurance Corportion i thr

non-member banks, SAVINGS BANKS,

ional Credit Union Administration i hec

unions, (C) Federal Home Loan Bank d

tution insured by the Federal Sav

tion or which is a member as defined in seci






i7




loa asocatin, credit union. Th~e Board shall eevor to

the axium xtet fasile o aoidunncesaryburdens o eot




Classify depository institutions for t

purose ofthi paagrphandmayimpose different requiremets
n

Fedra Rseves E~lnaio: rides frdirect reotn to,

the edeal eseve oncrning reserve liabilities and covers sav-



Comens f ommtte taf:This is a pefecting amndent to





AmedmetU: "(b) (1) For thepu oss fths ube in-

The Tenn 'reservable liabilities' means, in the case of any St a

.......................... natil b, t the sum .....h bank 's: de -
m an d a n d: sav in g s: : :: : :! : :::: :::: :::::::: :::::::::::: ::::: ::: :::::: ::i::::::::::::: ::::::::::::::::: ::: ::::::::: :::: : :::::: d ep s i t l ia i l i ie ex c eed s: $ 2 5 m i l i n .

Fedra Reserve's::::::::::::::::::::: Explanation::::::::::::: ::::::::::: "rsevalelibiites
t o::::::::::::::::::::::::::::::::::::::::: :::::::::::on l y::::::::::::: d e m a n d::::::::::::::::: ::::::an d:::::::::::::sa v i n g s:::::::::::::::::::::::::d e p o s i t s;::::::::::: e s t a b l i s h es:::::::::::::::::: ::::::::::::::::::::::::::::::::::::::a:::::::$ 25:::::::::::::m i l-::i~ ii 7:i!i
lion.: exemtio from reserve requirements for demand::::: and: savings::::::::::::::::::::::::::::::::::


deposits and eliminates indexing for such exemption :: :: : :::::::ii::: : ii::::: ::::::::::::::::::::::i:: :::::1117 : :: 7i: :: ::7~ i :: : ]:: :: ::

A m e n d m e nt........... ................................................................................... ................................................................................. ......... .... ....... ............ .. . ......... .. ......... ................. ....e n ts: : !:::: ::

shal aitan esrvs agint tei rsevale labliie i








the ratio of 8 per centum, or in such othex

9 per centum and not less than 7 per centun

regulation prescribe solely for the purposE

tary policy." 7 .

Federal Reserve's Explanation: Establishes

tio with 2 percent discretionary range for

posits.


Amendment E: "(b) (5) Subject to the

(C) of this subsection, banks other than sa

savings banks shall maintain reserves again

"(A) time deposits with initial mature

less (and against borrowings from sources c

banks with maturities of one week-Pr less a

turities as the Board may prescribe) in a r

per centum nor more than 6 per centum, as s

*he Board of Governors and their

"(B) time deposits with initial matu

more in a ratio of not less than one per ce

centum, as shall be specified by the Board

"(C) Reserve requirements imposed by

apply only to that portion of the sum of th

in paragraphs (A) and (B), regardless of ma

$25 million."

Federal Reserve's Explanation: Establishes

for bank time deposits in excess of $25 mil

tios for deposits with initial maturities c









reqirmetsatthe shorttr tim deposit ratiolfrbroig



Cttee Staff: These veral amendennts w d c ,g

.i four fund ental ways. First, reserveable liabilities

woud b slit ito two groups --one consisting of deman and saving

depoitsand the other of time deposits plus (possibly) borrowings

o repaid in one week less. Second, only the first $25

m i f deposits in each grp would be exet from reserve

requremets.The axium total exemption would be $50 million

verss$00 lion uner H.R. 13847. Third, initially, demand and

visit would be re at 8 percent and time deposits

ings at 1 rcent. Th Federal Reserve would be

to ar rsevereqirmetsbewen 7and9 percenton demnd and

savngsdepsits, btween 1 an4 percent for time deposits which

matre itin 179 days (posibly plus borrowings) and between 1 and

3 prcet fr tme epsits which have maturtie of 180 days or

loner.Forth, the exempions would not beindexed.

Th popsal to differetit betwe tim and4 de and dsavig

depsis as ert.Inparticular, H.R. 13847 1oul be improed









mens o deandand savings deposits and8 oecnt Short t erpoit








and borrowings between 3 and 8 percent. Longer e

(i.e., those maturing in 180 days or more) would be

initially at 1 percent, with the Federal Reserve a

vary the reserve requirement in/his case between 1 ai

just as it proposed in Amendment E. The suggested s-

reserve requirements would not change the T sur

cost estimated under H.R. 13847.

The Board's suggestion that the exemption propose

13847 be halved would place 1,156 non-member banks ui

requirements versus 299 under H.R. 13847, and require

be held by 1,766 member banks versus 719 under H.R. ;

II presents information on the reserve requirements i

banks would face under the Board's amendments. Appe

this information under the staff'.s suggested structi

In regard to the Federal Reserve's opposition to

exemptions, it should be understood that indexing is

prevent H.R. 13847 from becoming a vehicle for impos-

reserve requirements with the passage of time. The I

exemptions is to free smaller banks from holding res(

Reserve Banks and thereby to increase their ability I

Economic growth will make all banks bigger, but y

remain relatively small. Indexing is reared to as

relatively small banks remain exempt fr reserve re(

they grow with the passage of time and as a result oJ

Indexing for real growth is as imprant as indexing

However, if with the passage of time it is sh

leads to a declining proportion of deposits being











sultof elibrat Conresional action.


AMENDMENT D.

(a finding by the Board that extraordinary circu-

sire such action, the Board may impose resere require-

mens otsde helimits otherise prescribed by this Section for

n eays but ich y be extended for father

perod nt ecedig 3 dysby affirmatie nation by teBadi








nid limits otherwise prescribed for all







AMENDMENT F.

e t that the Board as a condition of access to or

maitennc ofsuc piviege my rqire a certification of sol-

venc ofsuc bak fom te Fderl Dpost Inurace orpraton.
Federal~~~ Reev xlnto:Ettlsaybnwehro o
itmanais eere wthte eerl eeret acsstoFdea


Reseve iscuntandborrwin prvilgeson te sme asi asmem








certification as condition to such access and i

thorizes the Board to require a certification c

FDIC of any such bank as a condition to such ac

Comments of Committee Staff: This is a perfect

tion 3 (7) of H.R. 13847.


AMENDMENT G.

"(b)( )

"(A) The term reservable liabilities mean

depository institution as specified in Section

than a bank subject to reserve requirements und

the amount by which such institution's transact

ces, as defined by the Board in consultationwi

Federal depository institution supervisory ager

million.

"((B) Such depository institutions shall n

against their reservable liabilities in the rat

section (b)(4)."

Federal Reserve's Explanation: Establishes res

for transaction accounts in excess of $25 milli

bank depository institutions in the same ratio

and savings deposits at banks.

Comments of Committee Staff: Thrift institutic

powers which commercial banks have. They do no

services. Until such time as these institution

banking powers, there seems to be no reason to

Although thrifts are gradually moving into chec























tenionofreser tequiments ton thesefive institutions.cul

sevrel reardthedevlopentofthid prtypayent wih wic
thrit istittios ar ony bginnng o exerient







AMNoETaH.


Wit rspctto nydeostor isttuiontht smot

a nnbe o th Feerl Rseve ystm n Agus 3, 178 th rel-





14


bank depository institutions.)

Federal Reserve's Explanation: Pr

from reserve requirements for all

group shall not exceed $25 million


Amendment J: "( ) In the ca

ated nonbank depository institutio

exempted from reserve requirements

and ( ) (if nonbank transaction ac

ceed in the aggregate for such aff

ing from multiplying the number of

group on August 1, 1978 by $25 mil

vided that no more than $25 million

such exemption at any individual b

tution)."

Federal Reserve's Explanation: Pri

from reserve requirements shall no

exemption in individual institution:

shall not exceed the rof s

ust 1, 1978 times $25 million for

Comments of Committee Staff: Ther

all affiliated banks as if they we

ments purposes. The Federal Reser

I) would appear to anticipate bran,

aries and new offices being estabi

reduce a group's average reserve r,

















brache ra-hr tan ubidirie.a e tha sh toh e big











!y '

loasmst etbiog -- or els th ae loran Resrvcipatioas whic


borrow461) Moreover t oer ma rea eve moll inceietoestaliby

Ssubidiares terthain toance tnder reset awtanthr
Woud e ndrHR 134.Freape magnlrqi mntae















une H.R 134 tha une prsn a. ialte eea e








"() balances maintained for such purposes by s

institution in the Federal Reserve bank of wich it is

at which it maintains an account. However, the Board m.

lation or order, permit depository institutions to main

a portion of their required reserves against their tram

counts in the form of vault cash: Provided, That such p:

shall be identical for all depository institutions; and
"(2) balances maintained by a non-member depositor,

tion in a member bank, in a Federal Home Loan Bank, or

liquidity facility that may be established for credit u:

vided, That such member bank, Federal Home Loan Bank, o:

liquidity facility maintains such funds in the form of 2

a Federal Reserve bank of which it. is a member or at wh.

tains an account. Balances received by a member bank f:

depository institution that are used to satisfy the resi

ment imposed on such depository institution by this sec

not be subject to the reserve requirements of this sect

on such member bank and shall not be subject to assess

on such member bank pursuant to section 7 of the Federa,

Insurance Act, as amended (12 U.S.C. 1817).

Federal Reserve's Explanation: Specifies that reserves

in the form of balances at Federal Reserve Banks, or of

and that a non-member institution may hold reserves at

bank, at a Federal Home Loan Bank (in the case of savin

associations), or at a central liquidity facility (in t,

credit unions), provided that these institutions pass t'
















17~













r neoe the ais. e
reservreq ereet are pt mor fytigotrferences bewetoR 34
:trfs hsi i i thie natreofa ereci an dment..iii





to i arebuil on hep icies tof eunpform reserve required















.onn db
by ii th FeeaJeevJosumr oeayadrdtsaitc








ments. Under H.R. 13847, 719 member

banks would be required to hold rese

member banks and 1,156 non-member ba

proposed amendments. (Actually, vau

reserve requirements for all but 506

member banks under H.R. 13847, and f

and 675 non-member banks under the F

amendments.)

Finally, under H.R. 13847, inde

assure that banks now exempt from re

remain exempt, whereas the Federal R

almost certainly guarantee that the

by inflation and economic growth wit





19

APPENDICES


Impc oe rqired reserves of individual banks of

u reserve requirement of 6 percent on reserv-

ver $100 million, as per H.R. 13847. Rserveable

fined as net demand deposits, vings and time

dep~r~ts an nn-bnkborrowings which mature within 48 hours of


Blted Mve less than $100 million of r
.iblte not ubuldect to reserve require es.

Sard of Governors of the Federal Reserve System.

nyear end data.




Impat onthe equied reserves of individual banks of imposing

the olloingreserve requirements: (a) 8 percent on the ttlo

netdemnd epoitsand savings deposits, andK (b) 1 pret ontim
deois iha $25 milio exmto fo eahcteoy

Bans ottabulated would not be subject to reserve requiremets


S Board of Governors of the Federal Reserve Sys



Cavets:(1) Reerveable liabilities do not include net Federal

funs, Euodllars another short-term liabilities which are counted

as~~~ reeval iblities both under H.R. 13847 and the resev

reqireentstrctue suggested by staff. (2) Reevale liabilities

hav no ben ajusedto take into account the Board 's plan to

holdng c my affiliates for resreeqimnt
pupoes






20


Appendix III

Impact on required reserves of individua

the following reserve requirements: (a) a re

on the total of net demand deposits, savings

deposits (which mature within 179 days) and

which mature within 48 hours of receipt, wit

first $50 million; (b) a requirement of 1 pe

with maturities of 180 days or more, also wi

the first $50 million.

Banks not tabulated would not be subject

under this plan.

Source: Board of Governors of the Feder

Based on 1977 year end data.



Appendix IV

Total cost to the government of a 6 perc

requirement with the $100 million exemption.









TotalCost to the Government of a 6 Percent Uniform Reserve
emn wi th the $100 Million Exep tion


Total required reserves
on December 31, 1977 call data) $36.9 Billion

i reserves of member banks
u e 6 percent plan $26.4 B

Reserves of 299 non-member
s th over $100 M in reserveable
eoi ndr the 6 percent plan 2.7 B

Tota reuie reserves under th~e 6 percent plan -29.1 Billion

Ts released under the 6 percent plan $ 7.8 Billion




$7.8 billion serves at
7 pe n $546.0 Million

es annul receips from slling -410.0 Million


t $136.0 Million








GLOSSARY OF


Total


T DEP

VLTCSH

RES BAL


TOTRR


NEW RR

DIF


Current


Current Reser
Federal Reser

Total Require,
Requirements

New Required

Difference in
and Proposed


A positive number indio
required reserves and i
indicates an addition
change to the indicated
in Appendix I, the Bini
Bank now faces reserve
$45,947,000. Under H.1
reserves would be reduo
difference or reductio













r.Rus(ohislMr. T mxxN Mr. PAr~o of Mayad Mr.
sNof New York Mr. CAVANAUGH, MS. OA&A, Mr. Vmwro Mr. BinwxD



AA
Ta


moecmeiieeult mn omrilbns

1 ei ae YteSnteadHu fRpeJa
2 iesfth nie tae o meia nCnges semld









1 "The Board may require any dep
2 cified in this paragraph to make, at
3Board may prescribe, such reports ol
4 such categories of its liabilities and as
5 determine to be necessary or desirable

6 discharge its responsibility to monitor
7 aggregates. Such reports shall be mai

8 Board in the case of member banks,
9 through the (A) Federal Deposit In
10 the case of insured State nonmember
11 Credit Union Administration in the

12 unions, (C) Federal Home Loan Ba
13 any institution insured by the Fede
14 Insurance Corporation or which is a
15 section 2 of the Federal Home Lou
16 such State officer or agency as the 1

17 the case of any other type of bank, sa
18 tion, or credit union. The Board shall

19 mum extent feasible to avoid unnece
20 Mig institutions and the duplication of
21 ments, and any data therefrom shall
22 able to the Board. The Board may
23 stitutions for the purposes of this para
24 different requirements on each such cl,










), ii~)) i ii @ ii i))~iiiiiiiiiiiiii25iii


I J R " ) R E z )
2 S W S S e c t io n 1 9 ( b ) o f t h e F e d e r a l R e s e r v e A c t i s
3 m endedii~~i i l to read as follovn:ii~~~iiiiiiiii~~~iii~~~iiiiiiiii~

4 b)() orte upoeso tissbscion-iiii

5 ( A ) T h e t e r m 'r e s e r v a b l e li a b ili t ie s m e a n s i n
6 h u fan ak h amon ywihtesmo
7muhbn' eoitlaiiisadit e eea ud


8,i and) )) )))) )))) ) )) ) ) otiiiherii bo ro iniii whii i c m atureiiiii 48 hour ori leaii i i


9 a! receipt................ .. by...... such ban..................ia ili ies

1 0 .. .. ....... .. ... .. .. .................................................................... t h e...............................

11caeofan an a nygie tme heprdcto


12$0,0,0 ie h uteto h o ia rs


13 national............ prdctfr....lndryerenig ..ls

14 thn ixno mrethn ihten moth pevoul

15 diie ytenmnlgosntoa rdc o h

16caeda ya 178 s eerindbyth oad
17 C@h em sdi hssbeto a efr
18te eie yteBad cnitnl ihtepoi
.19sinso .thi. sbscto.,to..h.xtet.s..y 'b


20ncsayt ar utteproe hrd

21()A yrfrne ntisA tt e brbnswt



...... re sp e c to a n yiii~i~iiii ii ,,Jiiiiiil i" i iiiiiiiiiiiiiii~iiiiiiiiiiiiiiiiiiiiii re q uiiiiiiiiiiiiiiiiiii~iiiiiiiiiiiiiiiiiiii o r a t o ite ain g to re w yesiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiii
2 reurdb thsscinsalbede e toapyt al









banks which


"(3)


if-


1

2

3

4

5

6

7

8

9

10

11

12

13


15 ceq

16 rat

17 pei

18 for

19

20 ir

21 Me


23

24

25


lo


periods not exce

Board in each i


26


bank whik

make appi

"(4) (A)

this paragraph

maintain reser


14


























i" "i i, i "" ",2 7 "'

.... i i i 5 li
to thei' "i Oons a reor of an exrcs .... it authority
2 under thi ....n p an th resn for suc exerise
3 (5) If teBadeerine tha suhin is neces- '




4 ayt h mpeetto fmtr poiy hni





















ity of any

nized or e





EFFECT ON RESERVES
MEMBER BANKS 1000S) N*Ro 13847




ose NAME LOCATION T DEP VLlrCSN RES GAL TOTRR NEW AR alp


6010300 BIRMINGHAM TRUST NAT 8K BIRMINGHAM AL 828915 6100 39847 45947 41548 4399
6010308 CITY N B OF BIRMINGHAM BIRMINGHAM AL 109328 Ikl6 4870 6086 156 5930
6010320 FIRST NO OF BIRMINGHAM dIRMINGHAM AL 1120037 143Z9 58436 72765 57475 15290
6010688 CENTRAL BANK OF ALABAMA NA DECATUR AL 5ILS89 7452 20913 28365 25521 2644
6010750 FIRST NAT BK OF DOTHAN DOTHAN AL 116332 3281 Z301 5582 57 5525
6010910 FIRST NB OF FLURENCk FLORENCE AL 135004 2336 4698 7034 Iasi 5153
6011170 IST AL SK OF HUNTSVILLE NA HUNTSVILLE AL 155664 3812 4962 8774 251#5 6229
6011470 AMERICAN NAT BANK L TRUST COMOBILE AL 155471 3092 6187 9279 27ib 6554
6011380 FIRST NAT BANK OF MOBILE MWILE AL 423921 6914 159150 24894 17254 7640
601IB90 MLACHANTS NAT BANK (jF MBILEMUBILE AL 449267 6743 20317 27060 19897 716a
6011430 ALABAMA NB OF MONIGUMERY MUNTGUMERY AL 114393 187z 4843 6715 645 6070
6011440 'IST AL BK OF MONTGOMERY NA MON7GOMERY AL 39527b 6675 15234 22109 16b46 5263
6011450 UNION BANK ANO TRUST LOMPANYMON16UMERY AL 19bluo 2285 7707 999.1d 5309 4663
6011990 FIRST NAT SK OF TUSCALOGSA TUSLALOUSA AL 162516 2589 6567 9156 3315 5841




L2020013 FIRST NO OF ANCHORAGE ANCHORAGE AK 311467 6678 15706 22384 11429 10955
12020014 NATIONAL BANK OF ALASKA ANCHrjkAGE AK 4*6033 42662 20928 33590 23371 10219
12020030 ALASKA NATIONAL BANK FAIRBANKS AK 189949 6140 7008 13148 5043 #Los





12040070 FIRST NAT BK OF ARIZONA PHOENIX AZ 2048791 36878 94119 130997 109253 21?44
12040100.VALLEY NAT 8K OF AKIZONA PHOkNIX AZ 3050692 6054? 134596 195143 173?59 21384




$050660 CITY NAT BK OF FORT SMITH FORT SMITH AR 107889 1726 3778 5504 167 533?
8050670 FIRST NAT SK OF FORT SMITH 'FORT bmITH AR 135?17 2261 6091 8352 Iasi 6471
8050950 ARKANSAS &K. & TR LO M07 SPRINGS AR 132692 1725 4255 5980 1531 4449
8050955 FIRST NAT BK OF HUT SPRINGS HOT SPRINGS AR 113883 1848 3714 5562 466 5076
801150 COMRCL N8 OF LITTLE RUCK LITTLE RUCK AR 193b74 2168 9bos 11973 4277 7696
BUSLI70 FIRST NAT BK IN LITTLE RUCK LITTLE RUCK AR 2418151 2686 1Z195 14681 7000 7881
8051180 UNIUN NAT SK OF LITTLE ROCK LITTLE ROCK AR 216,E49 3362 L0342 13704 5427 8277
8051190 WORTHEN BANK E TRUST CO NA LITTLE ROLK AR 3b5649 8197 14479 ;c2676 1.7.578 5098
b0lbbO NAT 8K OF CMRC OF PINE BLUFFPINL BLUFF AR 119167 2002 4521 6523 1038 5485
8051690 SIMMUNS FIRST NATIONAL BANK PINk BLUFF AR 171139 3460 56b4 9324 4163 5161
605k020 ST FIRST NAT OK OF TEXAKKANATLXARKANA AR 120783 3342 3007 6349 ?39 5610















EFFECT ON RESERVES
H.R. 13847


MEMBER BANKS ($ 10005)


T DEP


VLTCSH RES BAL


AMERICAN NATIONAL BANK BAKERSFIELD
COMMUNITY NATIONAL BANK BAKERSFIELD
CITY NATIONAL BANK BEVERLY HILLS
F&M BK OF CENTRAL CALIFORNIALODI
FRM L MRCH BK UF LUNG BEACH LUNG BEACH
SECURITY PACIFIC NAT BANK LOS ANGELES
UNION BANK LOS ANGELES
UNITED CALIFORNIA BANK LOS ANGELES
CENTRAL BANK NAT ASSOCIATIONOAKLAND
FIRsT NATiONAL BANK & TR CO ONTAR1O
FIkST NAT BK OF ORANGE LTY ORANGE


05B


NAME


LOCATION


8/15/78


177526
108285
713651
155075
280332
11698344


2247
2646
17530
2131
10980
171251






MEMBER BANKS 1$ 1000S) EFFECT ON RESERVES 8/15/78
H*Ra 13847



ose NAME LOCATION T DEP VLTCS14 RES SAL TOTRA NEW RR DIF


5110020 AMERICAN SECURITY BANK NA WASHINGTON Oc 973294 16625 52616 69241 54386 14853
5110130 NATIONAL BANK OF WASHINGTON WASHINGTON DC 576365 16474 24501 40975 27286 13"9
5110160 NAT10NAL SAVINGS E TRUST CO WASHINGTON DC 332614 6945 15626 22571 12445 10126
5110170 RIGGS NO UF WASHINGTON DC WAShINGTON DC 13Z7375 22364 74865 97229 68039 29190
5110195 UNION FIRST NS OF WASH WASHINGTON DC 446227 12602 18754 31356 19525 11631





6120093 BOCA RATON NAT BANK BOCA RATON FL 104846 1449 4411 5860 232 5628
61ZO095 FIRST WC OF BOCA RATON NA BOCA RATON FL 136795 2359 4840 7199 1326 5873
6120116 ELLIS FIRST NATIONAL BANK BRADEN70N FL 107523 845 5261 6106 280 5826
6120115 INTER CITY NATIONAL BANK BRADENTON FL 102159 1924 2441 4365 10 4355
6120200 FIRST NAT OK OF CLEARWATkR CLEARWATER FL 127805 lloi* 5757 6861 1390 5471
6120240 FLGSHP IST N6 OF CORAL GBLESCEAAL 16ABLES FL 186430 3b6l 8ZZ7 12088 '#423 7665
6120425 AMtRICAN NATIONAL BANK & TR FORT LAUDERDALE FL 139040 2711 5777 b488 1914 6S74
6120430 C6N7URY NAT bK OF BROWARD FORT LAUDERDALE FL !5zo5l 5779 6863 1461%2 8155 6487
61ZO440 LANDMARK IST NO IN FORT LAUDERDALE FL 434279 12665 16443 lk9loa 22b24 6484
6120460 FIRST NAT SK IN FORT MYERS FLAT MYkRS FL lb0429 3831 4730 8561 43b4 4177 cz
612ob74 FIkST Na OF GkEATtk MIAMI HIALLAH FL 11933a 2126 4621 6747 853 5494
612U590 FIRST NAT bK OF HOLLYWOOD HOLLYWOOD FL 106067 1007 55b4 6591 334 6257
6420630 ATLANTIC NO OF JACKSONVILLE JACKSUNWILLE FL 298551 4872 10944 15816 10462 5354
6120640 BARNETT OK OF JALKSUNVLLL NAJACKSONVILLE FL 263382 3241 12551 15:792 5914 9678
6120650 FLA FIRST N6 OF JACKSUNVILLEJACK,%DNVILLE FL 283b5o 4041 10586 14627 bb2b 5799
6120653 JACKSONVILLE NA71ONAL b*NK JACKSONVILLE FL 100922 330 5166 5596 342 5254
612U908 CITY N47IONAL BANK OF MIAMI MIAMI FL 344499 8325 14666 22991 13189 9doz
6120915 BARNETT BANK OF MIAMINA MIAMI FL Z63160 4038 12165 16203 6536 7667
6120932 FIkST STATE BANK OF MIAMI MIAMI FL 12b356 3018 4206 7224 Lobs 6159
6126950 FLORIDA NAT bANK OF MIAMI MIAMI FL ZIZ465 3046 7789 10635 3517 7318
6120977 RLYAL TRUST BK OF MIAMI NA MIA141 FL 117676 1385 5056 6441 627 5814
6120979 RkPL&LIC NAT 6ANK OF MIAMI MIAMI FL 150424 2473 6425 6696 3165 5713
61209b8 %UUThEAST IST N6 OF MIAMI MIAMI FL 1409703 10940 72573 83513 73956 9557
61 1010 FLAGSHIP IST Nb OF MIAMI BCHMIAMI BEACH FL 215043 2497 139bL 11450 5253 6205
6121140 SUN FIRST Nb OF ORLANUO UkLANUO FL 4772?6 12336 16730 29066 21306 7760
6121180 FIRST NAT BK IN PALM hEACH PALM 6EACH FL 192786 2163 loli!9 12292 4821 7471
6121275 FIRST NO OF SRUWARO C(XJNTY POHPANU BEACH FL Z01085 4041 8050 12091 5172 6919
6141350 CENTURY IST NA IN ST PYRSORGSI PEILRSbURG FL 175234 4270 3318 7588 2962 4626
6121, 60 LORIDA Nb AT ST PklLk"UAfp :0 PETeRSBURG FL 1032$40 3819 1175 4994 is 4979
6121370 LNOMkK U75 OF 57 P7ksoG NA ST PETERSBURG FL 330216 7412 7356 14766 12284 2484
6121440 I-IRSI NAT BANK & TRUST CO STUART FL 1185V7 1396 4tist 5747 938 4609
61214hO EXLHAN(vE NAT BANK OF TAMPA TAMPA FL 2bl244 4697 10607 15304 7IV2 8112
6111490 FIRST NATIONAL BK UF FLORIDATAMPA FL 394793 10193 9462 IV655 lolips 9460
6121502 METROPULITAN BANK & TR CO TAMPA FL 121569 h" 5363 6262 1094 5168
612169a ORNETT bK OF OkLNOO/W PK NA WINTER PARK FL 163580 3160 5,06 8636 Zb77 5759











EFFECT ON RESERVES


MEMBER BANKS 1$ 1000S)


LOCATION


H.R. 13847




T DEP


VLTCSH RES BAL TOTRR NEW RR


ANK OF ATLANTA ATLANTA
BK OF ATLANTA ATLANTA
NK OF GA ATL ANA
NY BANK ATLANTA
ROAD BK TR CO AUGUSTA
K OF COLUMBUS COLtMBUS
K AND TR CO MACON
ANK OF COBB CTY MARIETTA
OUIHERN NAT BK SAVANNAH
NK AND TR CO SAVANNAH


DSB


NAME


8/15/78


1373095
58 850
310733
9Vk61B
278543
146964
136720
112b36
2009940
208650


DIF


15690
7854
3479
8019
6488
3030
4427
3504
27929
5138


79674
28188
lta71

8644
5361
3993
3884
103 110
6637


95364
36742
19150
58bO4
1513Z2
8391
8420
7388
129039
11775


71738
23597
11253
40316
10159
2399
1346
365
114539
5850


n--n tm mira


.... igm mm


m





ii!' i ~ ~ E FEC ON' RESERVES'! iiiiii~i ii!!iiiiii iiiiiiiiiiiiiiiiiiiiiiii~
MEBE BAK ($ 1iS iN.134
O,,le NAELCTO DPTTS l AL T R NWR iF
....0 LK VIWTUTtSG BAKC ICAOI 60620 22 43 $2 19

1771 LA SAL NAIOA BAK CIAOI!457 989 370 419 3203
711174 LICL NAIOA BAKCIAOI 359 60405m 09 -+1
71717o0 MAQET NAINLBN HCG L171D12 37b7 004b
717179 MECHNDS N5 OFCIAO CIAOI 4 6645 52ai 427
7065MCIA V BO HCG HCAOI 29916 976b 2750
717183 MID CIYN FCIAUCIAOI 6457096 06 5775

7119 A LD8 O HCG HCG I 16444 701 274 I239z
7171900 NA SEURT mK OF iHCG CHCGL 159 19 4 61 80 35
717110 ORIERN RUS COPAN CHIAGOIL 45262 1526 13146 4537 13830754











MEMBER BANKS (S 1000S)


DSB


NAME


EFFECT ON RESERVES
H.R. 13847


LOCATION


4GO EAST CHICAGO
E UQHART
.LLE EVANSVILLE
LLE EVANSVILLE
.LE EVANSVILLE
NK FURT WAYNE
WAYNE FORT WAYNE


TR C


T DEP


131024
244677
273284
)6A42


VLTCSH RES BAL TOTRR NEW RR


3605
3161
4663
3EkA


3951
FT731
IU724
6271
130Z3
12103
14412
Q@A


7556
11892
1538?
9939
16184
16690
?4111

26541
8049


OLIS
nL I S


CITY


8/15/78





DIF








EFFECT ON RESERVES U15178
MEMBER BANKS IS 1000S) Holk-o 13847




DSB NAME LOCATION 7 DEP VLTCSH RES BAL TOTRR NEW RR DIF


10202900 CMRC NO OF KANSAS CITY KANSAS CITY KS 174503 1211 7016 0227 3200 5027
10203020 SECURITY NAT bANK OF KC KANSAS CITY KS 146224 1679 49-7 6666 2246 4420
IU204675 JUHNSUN CTY N8&TC PRAIRIE VILLAGE KS 104127 628 031 5159 90 5069
10205525 FIRST NAT SK OF TOPEKA TOPEKA KS 251 569 3ZI5 IL063 14298 6565 7733
10205550 MERCHANTS Nb OF TOPEKA TUPEKA KS 168079 laul 5873 7754 2725 5029
10206020 FIRST NO IN WICHITA WICHITA KS 282159 2304 12327 14b3l 8532 6099
10206030 FOURTH NATIONAL UK L TR CD WICHITA KS 464648 8534 17476 26010 16629 9381
10266060 UN10N NAT BK OF WICHITA WICHITA KS 16ID76 1725 6274 7999 3375 4624




4211945 CITIZENS UN10N NATIONAL BANKLEXINGTON KY 119414 2131 5319 7450 764 6686
4211950 FIKS7 SECURITY Nb 4 IR CO LEXINGTON KY 439570 4746 21756 26502 IL8394 8108
8212050 CTZ FIDELITY SK E TR CO LOUISVILLE KY 903969 12497 45417 57914 44401 13513
B212060 FIRST NO UF LOUISVILLE LUUISVILLE KY 980452 11635 44822 56457 48147 8310
8212090 L16ERTY NO C TR CU LOUISVILLE KY 520314 6452 24549 31001 21003 9998 w
621ZIkO LOUISVILLE TRUST bANK INC LOUISVILLE KY 223918 1882 11871 13753 6437 7316 C.Tv
6212blO OWENSBORO NATIONAL BANK OWENSBUKO KY 116356 1873 5283 7156 599 655?
4213020 PIKEVILLE NAT BK t IR CO PIKEVILLE KY lb2520 2491 6883 9374 3484 5690

- -----------


6220040 RAPlDESBANK AND TRUST CO ALEXANDRIA LA 160317 3741 5353 9094 3179 5915
6220090 CITY Na OF BATON ROUGL BATON ROUGE LA 206518 5000 6148 11148 58b2 5286
6220100 i-IDELITY N5 OF bATE)N ROUGE BATUN RUUGE LA 281016 4815 10702 15517 10679 4838
b220110 LA NAT BANK UP BATUN ROUGE BATON ROUGE LA 465449 64541 19076 255 .b 20734 4794
6220460 FIRST Nb OF JEFFERSON PRSH GRETNA LA 207664 5422 5961 11383 5992 5391
6220540 FIRST NA71ONAL BANK OF HUUMAHUUMA LA 1 0:)30 liot 5576 bd77 1710 5167
62IL0575 Nb UF (,MMKC IN JFFRSN PR H Jk;FFLRSON PARISH LA ld#1271 3882 4710 659Z 1.752 bb40
622C630 FIRST Nb OF LAFAYtTTE LAFAYLT7E LA 15944b 523? 5574 10811 31k7 7684
6220650 CALCASIEU MARINE NAT BANK LAKE CHARLES LA 3U9434 5374 15590 z0964 IIe8j 9683
lli2obbo CENTRAL BANK MUNROE LA 194554 3970 6050 10020 4401 5619
1122U870 UUACHITA NAI BANK IN MONROE MUNROE LA 248688 5431 8100 13531 7515 6016
bZ20973 BANK OF NEW ORLEANS t TR CU NEW ORLEANS LA 410804 8478 16299 j!4777 17743 7034
62209LO HIbERNIA NS IN h ORLEANS NEW UkLEANS LA 597931? bogd# 32218 40312 26462 11850
b2ZC9bl Flk!pl NAT SANK UP COMftRCE NEW OkLLANS LA 657366 9541 35laS 4,4826 29361 15445
6,e,1000 NAT AM 8K IN NEW ORLEANS NEW OkLEANS LA 288631 3035 6?62 9797 6906 2811
61210, 9 WHITNLY NO UP NEW ORLEANS NEW OkLtANS LA 1196725 9521 79657 89178 65210 23966
11221300 COMMEACIAL NB IN SHREVEPORT SHREVEPORT LA 402108 3729 10948 2i167? 15874 6803
11 21320 FIRST NATIONAL UAW ShREVEPORI LA 39*#359 9144 12249 21393 15532 5861










EFFECT ON RESERVES
H.R. 13847


MEMBER BANKS ($ 1000S)


LOCATION


BANGOR
PORTLAND
PORTLAND
PRESQUE ISLE


T DEP


207291
179438
283732
140059


1120629
2024830
826287
173491
107336


VLTCSH RES BAL TOTRR NEW RR


3807
5490
6419
22ZZ


30890
36094
23125
4161
1894


6077
4012
8993
3856


34704
83567
:4204
4104
4310


9884
9502
15412
6078


65594
119661
47329
8265
6204


DSB


NAME


8/15/78





DIF


.... ii m--










.. .. ....




EFEC ONRSRE
MEBE BAK ( 00S *o a4
DS AELCTO TDP VTS E AL TTR NWR I
7261120:: DERI BANK AN RS O DTOTM975 348 106 609 146 91
7216 AUATRESNTOAiAKiERI 1 2878 50 131 1659 140 74
7217 MIHIA NAT BAKOiERIDTUT lwb49 343 11 37 79 42
7218 NATONA BAKO ERI EkI i 51534 820i132 2889 211i78
7Z18 IIESCMC VSB LN I 78748 251 05 57 98 41










MEMBER BANKS (S 1000S)


NAME


9275410 AMERICAN NAT BAK &. TR CO
92754bO FIRST NB OF ST PAUL
9275530 NMDWAY NB OF ST PAUL
9275545 NW NAT 8K OF ST PAUL


EFFECT ON RESERVES
H.R. 13847


LOCATION


ST PAUL
ST PAUL
ST PAUL
ST PAUL


T DEP


219510
1259522
1079d4
219883


BURG


VLTCSH RES BAL TOTRR NEW RR


4012 6828 10840 5753
7389 57356 64745 79007
1443 4111 5554 125
156a 8624 10186 7079


6708
10641
14701
2570


16675
50023
45238
7750


8/15/78





DIF


5087
-14k62
5429
3107


7169
5b67
12129
6460


~~~~~~0~~~


DSB


m m m


--ummmmm


C4
00





-- --7-"











EFFECT ON RESERVES
H.R. 13847


BANKS (S 100S)


VLTCSH RES BAL


ASAN1


8/15/78


mM




.. .. ...... .... .......... ....... ...... .. .... ................ ..........




EFFECT ON RESERVES 8/15/76
MEMBER BANKS 1$ 100051 Hoke 13847




DS5 NAME LOCATION T DEP VLTCSH RES DAL TOTRR NEW RR DIF


2362400 CHEMUNG CANAL TRUST COMPANY ELMIRA NY 110479 3864 2103 5967 390 5577
2362460 ENDICOTT TRUST COMPANY ENDICOTT NY 116995 2427 i461 5888 749 5139
Z362805 LONG ISLAND TRUST COMPANY GARDEN CITY NY 631993 14386 26837 41223 32450 a773
2362880 FIRST NB OF GLENS FALLS GLENS FALLS NY lb9432 4610 2522 733Z 3598 3734
2362890 GLENS FALLS NS & TR CO GLENS FALLS NY 145900 2519 4355 6874 2474 4400
2363230 HEMPSTEAD BANK HEMPSTEAD NY 191240 4578 10198 14776 4355 10421
2363290 LUNG ISLAND BANK HILKSVILLE NY 13ZO60 2103 5961 bO64 1017 6447
2363560 TOMPKINS COUNTY TRUST CO ITHACA NY lIZ931 1910 3875 5785 372 5413
2363590 BANKLKS TRUST CO OF WSTRN NYJAMLS7OWN NY 167523 4216 4076 8292 3741 455L
2363601 FIRS7-NAT BK OF JAMES70WN JAMESTOWN NY 137545 3072 3290 6362 2336 402b
2364375 EMPIRe NA71ONAL BANK MIDDLETOWN NY 43b798 7970 15219 23189 18467 4702
2364700 HIGHLAND NS OF NEWbURGH NEWbUR6H NY 143901 2211 5435 7646 2261 5385
2364b4O BANKERS TRUST COMPANY NEW YORK NY 8542865 85362 264794 350156 413664 -63526
2364800 BANK OF NEW YORK NEW YORK NY 3360825 45761 1595Z6 205207 175626 29661
Z364b98 BARCLAYS BANK OF NEW YORK NEW YORK NY 4U1704 3991 21225 25216 20780 4436
2364965 CHASE MANHATTAN BANK N A NEW YORK NY lb77395b 162eso 1010635 1173515 1063718 1091V7
2364985 CHEMICAL BANK NEW YORK NY lk368416 145084 7Z5281 870365 784805 85560
2364990 CITIBANK h A NLW YOkK NY 17703968 112607 lOd69o7 1199574 11556BZ 43942
2365104 EURUPtAN-AMERICAN BANK & TRUNkW YORK NY 2135416 26014 133218 159z32 107227 52005
2365240 IRVING TRUST COMPANY NEW YURK NY 4b49829 49356 222035 271391 184822 86569
2365290 MANUFACTURERS HANOVER TR CO NEW YORK NY 1691bill 132742 785957 918b99 7LB890 199809
.Z365310.ME-kChANTS BANK UF NEW YORK NEW YORK NY 123077 2410 7686 10096 641 9455
.2365329 MORGAN GUARANTY TR CD OF MY NEW YUkK NY 10770016 19429 646454 665883 590976 74907
2365341 NAT SK OF NUkTH AMERICA NEW YWK NY 2223lb3 42096 130702 172798 16687* 5924
2365415 REPUBLIC NA71ONAL BK OF NY NEW YORK NY Li3Z40 53677 k6141 69818 95,025 -25i:07
2365435 SCHRODER IRUST CO NEW YORK NY 144bI9 60 94#23 94b3 2263 7220
2365460 STEALL" US & 7R CO OF MY NEW YORK NY 34ZI19 2163 22569 Z4732 12248 12484
2365530 UNITED STATES 7R CO OF NY' NEW YORK NY 777616 5al 40960 41541 salbo -16639
2365670 NAT BK & TR CO OF NORWICH NURWICH NY 165401 1467 6919 U386 3866 4520
2365850 MNF HANOVER TC/r-kNTRAL NY ON7AkID NY 143602 2734# 5448 8182 2368 58L4
2366370 BANKERS 7 C OF h4SN VLY N4 POUGHKEEPSIE MY 17*135 5648 4961 10609 4577 6032
236bulO CENTRAL TR CO ROLHESTER NY ROLtikSTER NY 351597 6690 12567 19277 13854 5423
2366640 LINCLN FIRST SK OF ROCHESTERRVCHESTER, NY 940074 32217 30020 62237 48762 13475
23"680 StC TR CO OF KOCHtSTEK (%EjChESTLR NY 5L4796 10534 16428 26962 22224 4?38
2366970 SCARSOALk Nd & TR CO SCARSDALE NY 13562!) 1260 5791 7051 2126 4925
2366990 MOHAWK N OF SCHENELTADY SCHENECTADY NY 108199 3098 1953 5051 252 4799
2367020 SCHLNECIADY IkUSI COMPANY SCHEkLCTADY NY 164588 4330 4660 8991s 3916 5082
2367410 FIRST TRUST AND DEPOSIT CO SYRACUSL NY 417492 10965 13236 24201 17116 7085
2367421 LINCOLN FIRST SK-CENTkAL NA SYRACUSE NY 330170 5154 L2076 17234 14577 265T
236?4k3O MERCKANTS Nb L lk CO SYRACUSE NY 27053 7300 8384 15684 9971 5?13
2367660 ONEIDA NB & IC OF CtNTRL NY UTlGA NY 550532 9672 16797 26469 25763 706
2467870 NAT BANK OF NORTHERN N Y WATERTOWN NY lous5l 3305 sb64 6969 4522 444?
2368095 NATIONAL bANK UF WESTCHESTERWHIlL PLAINS NY 587445 10177 2753? 37714 32095 5619











EFFECT ON RESERVES
H.R. 13847


MEMBER BANKS ($ 1000S)


T DEP


VLTCSH RES BAL TOTRR NEW RR


NC 15
NC 24
NC I
Nc 1
NC 3
Nc 2
NC 27


DSB


NAME


LOCATION


8/15/78





DIF


m--m














EFFECT ON RESERVES
H.R. 13t47


MEMBER BANKS (S 1000S)


T DEP


VLTCSH RES BAL TOTRR NEW RR


-PENN NATIONAL BANK
'ENNSYLVANIA BANK NA


:RTQWN


OF PA


BALA-CYNWYD
BALA-LYNWYU
BALA-CYNWYD
BOjYLRTQWN
BRYN MAWR
CHESTER
CUMBERLAND TWP
DU bO1S


K OF PA
ER CTY


.AND


DS8


NAME


LOCATION


8/15/78





DIF


22017
147521
61924
3362


37489
189697
128244
4872
89972


29254
261473
121326
420


613613
3433931
2110485
109129
1332658
485981
105b9Z
121744
148189
111837
184786
145004
685006
113919
IZZ483
173146
121977
2403317


8235
-71776
6918
4452


15472
42176
66320
1510
25428
9229
1452
2146
2548
1970
3448
3211
16108
1847
39uz
3684
1523
31718
74b0
14808
2505
6039
3807
34909
44152
13473
5166
1297
54575
3430
3543
2280
7714
3049
3249
10942
3542
2076


bm












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5450305iiii FIRSTi NA IO A BANK OFiiiiiiiiiiiiiiiiiiiiiiiiiiiSiiiiiiiCiii COLUMBIAiiiiiiiiiiiiiiiii~~i SC 542310 14202i~i 267*1 40983iiiiiiiiiiiiii 24 1 16667ii i+ i iiiiiiiiiiiii
54 1 6 NA IO A BANK OF SC SU TE ic 1iiiiiiiiiiiiiiiii 29i3i 462 7558 614ii ..... ...944iii+i

iiiiiiiiiiiiiiiii0 FIRS NAILii-! B OF ABERDEEN AB R ENS 08 9 8 67 2 9 29 63 0
iiiiiiiiiiiiiiii1iiiii0iiiiFiiIiiiR S T N O O F TH E B L A C K H I L L S R A P ID C I TY SO 2 2 4 8 1 1 2 18 7 8 9 7 7 1 1 164 7 0 2 6 4 L38 +
946IZ60 FIRS NO IN SIOUX FALLS SIOUX FALLS SO==== 1iiii7ii5 1ii3ii 4253iiiii ii089 419iiiiiiiiiiiii 5 70
9461290 NAIOA BANKN@ OFN Sii b SIU FAL so 405837 146L1729
9 4 6 1 3 00iiiiiiiiiiiiiii N W N A .............. ................. ........... S I U F A L L S S O ................ 2 2 5 6.............. .........................
94613ZI UNITED NATIONAL BANK:::::SIOUX:FALLS::so:122929::1174:4437::5611 i1194 4417

6470380ii AMERICAN NATiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiii BANKiiiiiiiiiiiiiiiii~~~iilii~ ANDiiiiiiiiiii iiii iTiiR CO CH TTNO G INiiiiiiiiiii 442077 8049 15485 23534 17325 6209iiiio~ iii iii~~ii i~ii~i iiii~iiiiiiiiiii
64703 88llliiiiiiilllliiiiiiiiiiiiiiiiiiiii! F IR ST T Niiiiiiiiiiiiiiiiiiiiiiiiiiiiii BAN Kiiiiiiiiiiiiii N A iiiiiiITA U OG INii 270 39ii 920 1iiii 7 2i iiiiii 86 60iii 7 80 6
6471400iiiiiiiiiiiFIRSTiiiliI NAT. SK-H I# 0 ;11 OFiiiiiiiiiiiiii~ SULLIVAN iiiiiTiKIiNiiSPOiRT IN 178781 Billl 2040 iiii 001i 3569 6502 iiiiii
647 49 PARK NATiiiiiiii ~iiiilliiiiiiii BANKiiii OFii KNOXVILLE KiNOXVILLE IiN 355658iiiiiiii~iiiiiiiiiiii iiii13273iii9i631409Lii4"i
8471860.................................................... 6K NAi MEMPHIS MEMPHISi INi 1047210iiiiiii 3997 20 7960 5 5 29 8
............ NATIONAL. BANK OF COM kRC ME P I IN 46 68 834 1658 2492 16 0 6224
8 4 7 1 8 9 U N I ON + P L N T R N A I O A ++++++++++S ............... ii3 7 5 62ii++ ............................ 2 6 4 20iiiiiiiiiiiiiiiiiiiiiii 4 5 5 7 0 ................. + .........................42iiiiiiiiiiiiiiii
64 9 8 O M R E O IN B N NASHVILL IN 8b 33 ii iiiiiii 9779iiiiiiiiiiiii i 34 l80iiii4459iii4i1i4ii310
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11480020 CITIZENSiiiii NAiT iiOiiiiiiiKiii IN ABILEN ABI EN TX 152825i 1654iiiiiiiiiiiiii 6565 iiiiiiiii~~iiiiiiiiiiiiii 8219 iiiii 2394 $825iiiiiiiiiiiiiiii
1 148 0 0 30 F IR ST N AT == == == = iliiB ANiilKiiiiiiiiiiiiiiiiliiiiiiiiiii O F A B ILEN E A B IL EN E TX 15 7 50 9 2 179 6 13 1 83 10 2 4 7 0 5 840 ii i i ii A
11480035iii FIiiiiiiTiiiiiiTiiiBiANKiiAiBILiENEilTX 170Z15 1438 6503 7941 2491 $450i ii-iiiii]
11480140 AMARILLO NATIONAL BANK AMARILLOi TA 2ii6i21 09i2240i12242 1448Z 7317 7165~












MEMBER BANKS ($ 1000S)


DSB


NAME


EFFECT ON RESERVES
H.R. 13847


LOCATION


STIN
STIN


T DEP


138366
367109
227585
461850
381543
339491
179368
208530
109251
147238
117991


SVILLE
kV ILLE
CHRISTI
CHRISTI


VLTCSH RES BAL TOTRR NEW RR


1135
4087
2028
4809
3004
2496
3019
4850
1370
4162
1862
2348
3120
9Z97
7508
2346
10237
2083
5100
2984
4382
2545


8/15/78





DIF


5228
7812
7923
536
6782
10382
6674
70OO
7078
4985
57>6
7103
6810
9357
198


6740
20342
14530
26565
22707
23947
10930
13277
7362
7391
6163
8758
15139
161920
68628
12987


5605
16255
12j02
23756
19703
21451
7911
8427
5992
3229
4301
6410
12019
152623
61120
10641
150042
16743
17201
2831
17844
14996


1512
12530
6607
23179
15925
13565
42.6
6277
284
24U6
407
1655
8329
,52563
68430
7124
.65865
12777
16052







...... i iii ii iii ii iii ii iii .. .. ..... .. ... .. ... .. .. .. i i i ~ i ii iii ii iii ii iii ii iii ii iii iii ii ii iiiii~iiiiiiii~iiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiii.....iii ii....iiii.... ...... ...........ii iii ii ....... .. .. ..ii iii ii iii..iii....i .... .. . . ....iii ..ii i...iii......... .......... i ii iii i i .... ...... .. ............. ...iiiiiiii







MEMBER TXNK ($S 1000S 1337 1324?



1465BRAWYNATIOAL BAN SAN ANTONI TX 132467 Z156 23 792 15241 560

11471 NOC AF COhRC OF TX ,NUNOA ANVTOIO TX 515134 4862 5224 17008 210 860




11875 CITZN FIS NA BK ~ TYLA~ER T 130287 1224 73375 52 126 7356

11800VCOI K RC ITRATx 21340 2157 1550 17958 8071 9887
11 10CTZN NTBN FWC ACO IT iT 1945 2300 209 11519 4933 686







11840 ITY NBA OF w FRIK4FAL WIHAA FALL TTxV 173546 2424 84048 37)9102 6711

116L0 FSWICRO A NA71OISTNAT BANCTAbR FALL 1194921 426 385 1281 5704 7187


11499 FIRST SEITYO OF UA1 TAHLL NAMT1NVL UA 111027 294 44295 579 1560 367)
14940 CONTINGENT NK AND T ATR CO ATLAK VATU 169"9 208 3800 9964 4490 6671







5509 A7OA AK N RSTC HROTEVLE VA 2339 11249 1188 2131 1440 9219
iiiiiiiiii FIRSTiiiiiiiiiiii &iiiiiiiiiiiiiii ii. N O O Fiiiiiiiiiiiiiiiiiiiiii473 95436 8 7638iiiiiiiiii iiiiiiiiiiiii 6 130iiiiiiiii ~ iiiiii
5510940iiiii NATIONA BAN OFii FAIRFAX FAI FA iiiiii VAiii 13059 254 4698 723 1ii28 iii5iiiii iiiiiiii iiiiiiiii
55 10 944 FIRST V IR16IN IA oANK FAii~~~iiiii~~iii~i~iii iiiiiiiiiii~~~iiiiiiiiiiiiiiiii~~iii~i~i~B i iiiiiiiikFAX iiiCTY VA 439523 7859 18 78 5 26644 18642 8002iiiii~iiiiiii~ iiiiiiii~~iiiiii~
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55195 DOINO Nd OF TIEAE =FL A 144 84 30 34475
5519o3UNTEDVA K/E iUAR NT NAFUK A 3421 159 ] 3 l2sas 23,407 iiiiiiiii9159











EFFECT ON RESERVES
H.R. 13847


MEMBER BANKS ($ 1000S)


T DEP


VLTCSH RES BAL TOTRR NEW RR


r% v JII A F% s r nl "'I V
T BK OF RICHMOND RICHMOND
HANTS NB RICHMOND
ANK AND TRUST CO RICHMOND
CINIA BANK RICHMOND
EXCHANGE bK ROANOKE
4ERICAN NAT BK ROANOKE COUNTY
NAT BK OF N VA SPRINGFIELD
IRGINIA BANK SPRINGFIELD
B OF NORTHERN VA VIENNA


DS58


NAME


LOCATION


8/15/78





DIF


1739573
104892
522515
307546
1017912
173280
725602
773874
168292
13-5153
127026
138353
456059
144096
125119


40504
4212
8446
4474
16689
2633
8458
7361
3337
3069
3448
4474
10373
2964
4550


59326
1314
16286
11122
43925
5930
28620
33008
5644
4309
4084
4989
18?16
4264
3217


99830
5526
24732
15596
60814
8563
37078
40369
8981
7378
7532
9463
28569
7228
7767


91710
24
24198
10918
56934
4237
31939
37100
5056
1933
1160
22Z1
21335
2145
1839


8120
5502
534
4678
3880
4326
5139
3Z69
3925
5445
6372
7242
7254
5083
5928


18389
17021
35315
69347




















EFPFECTONRSRE8/57





As NM LOCATION T D1P VLTC RES BAL TDTRR NWR I


75010FIS N F PPEONAPLTN i139012 1995 4160 6155 212 04

951t IS IC.NTBN A LAIRE wi 119693 Zlb3453 5019 5555
7TEN BA 2 5110 9675 5507 4168

95241FRS AN A ACRSEW1 357284 732 12457 IV29 165 37
2 F WS I N 1204 1,5952 7841 b11l
7510FRTWSOSN NAT BANK MILWAUKEEIl 1462 21745 79530 101215 100525 750
7536 AIENTUA X NE 5KMLAKE wl 4569 10b 1643 2742 8b683
7WI 645450 16137 55,6 41723 3366 11355
3 C EWE wi 112447 1640 4052 5692 405 5247
7530 IS 1N FOHOH OHUHW1 11)911 203 2190 4829 6k3 4206
7546 IS AINLb N R RCPtWI 131 4 2599 3b28 6227 1407 4dZO
NB SHEBO N WI 172944 2534 5417 7951 4990 2961
N 1199 95 4933 5898 1527
7555200~~~~W FII NBO AKbA WUEH l 125 1802 562? 49 262 40
7550 IS MRCNNTBN ASUW1 15u270 Z3*1 50a2 7449 1714 5731




7 0A F C CASPER.WY 158837 1417 7498 9S 2662 6253
1 WNY 180271 639 8298 8937 48*3 4074



A


A ] .










NONMEMBER bANKS (S 10005)


Osb


NAME


APP!::DIX I (Continued)

EFFEC1 ON RESEkVLS
H.R & 13b47


LOCATION


I DhP


510662
319352


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6010310 FIKSI AL bANK OF BIRMINGHAM BIRMIMNHAM


VLILSH RES bAL TUIRR NEW kR


3050
672


29677 -29677
114#23 -11423


ef e ~ -


12020002 ALASKA BANK OF COMMERCE
1,,0E000u ALASKA %IAtIbANK


C C 7UST
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ANCHORAGE
ANLHORAGE


PHOENIX
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PHUENIX
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8/15/78





OJF


125202
115184


2387
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819
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1137864
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11432
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EFFECT ON RESERVES
H.k. 13847


NAME


LOCATION


T DEP


185319
202634


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6131207 CITIZENS & STHRN EMURY BANK DE KALB COUNTY


VLTCSH RES bAL


359i
2537


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4334
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AMERICAN SECURITY bANK
bANK UF HAWAII
CENTRAL PACIFIC BANK
CITY BANK
FIkST HAWAIIAN BANK
LIbERTY bANK


12150020
12150030
12I50L55
12150058
12150065
12150090


HOINOLULU
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-- - ------ - ----------- ------------------- ---- ----- --























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tlfk. 13647


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168393
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h.A. 13b47


LLCAT IUN


MANC.HESTEk


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NH 139034


VLILSH RES bAL TLUTRR NEW AR


1403


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232093
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0 1140
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NAME


EFFLCT ON RESkkVkS:
hi.R. 13bw4


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T DLP


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N bANK ANU IF
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8/15/78





DIF


2502
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5436
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1136 56 7 2~
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314914 2245 0 0 U1b -26

















EFFECT ON RESERVES
H.ko 1384?


NONMEMBER BANKS (S 1O00S)


VLTCSH RLS DAL


TIl RR NE W RR


.GINIA-PuT MAC A1l kFAX (TY
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8/15/78


DIF


- ---- - ------------- -----


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204791
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36b78
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94119 130997 107901
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