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Santander, with total consolidated assets equivalent to approximately $129 billion, is the largest banking organization in Spain. Because of the importance of local banking markets, I would like to provide somewhat more detail on the implications of bank mergers for local market concentration. Douglas federal credit union omaha. Several Protestants contended that First Union and First Fidelity have been uncooperative in meeting with community-based organizations and unwilling to reach specific agreements with them. Under the Garn-St Germain Depository Institutions Act of 1982, the Board adjusts the amount of reservable liabilities subject to a zero percent reserve requirement each year for the succeeding calendar year by 80 percent of the percentage increase in the total reservable liabilities of all depository institutions, measured on an annual basis as of June 30.

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Cedric W. Dempsey, '54. First Union also engages directly and through subsidiaries in various nonbanking activities under section 4 of the BHC Act. All asset data are as of June 30, 1995. Data are on an international accounts basis. Swart embodies global thinking in all aspects of her life, from hosting French interns in her home to involving high school students in fundraising for various causes. Richardson was also honored by the Oakland Community College/Detroit Edison Foundation Summer Program designed for at-risk urban students in 1993. Securities activity on Fedwire appears to have generated much of the rise in overdrafts. Uncertainty regarding the application of Regulation E may be holding back the development of the industry, and resolving this question would help clarify some of the major risks that consumers may bear. British Royal Society Research Fellow in Physics, Cambridge University. David M. Barrett, '64. The time for filing comments has expired, and the Board has considered the application and all the facts of record in light of the factors set forth in the Bank Merger Act and section 9 of the Federal Reserve Act. Hermon Road, Salisbury, Maryland 21801 10. Data in this table also appear in the Board's Z. l (780) quarterly statistical release, tables F. 2 through F. Omaha douglas federal credit union ebranch app. A42 1.

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28 For example, in 1993, FUNB-NC, a certified SBA lender, originated 13 SBA loans, totalling $1. Currently, he is spearheading the pending merger between American Airlines and US Airways. Upon consummation of the merger, Signet Virginia would change its name to "Signet Bank. " She was recently elected to serves as a Vision Care Section Councilor of the American Public Health Association and was recently appointed to the Prevent Blindness America Board of Directors. Legal Developments opment Corporation, Philadelphia Minority Venture Partners, and Garden State Affordable Housing. Traders reportedly facilitated faster backoffice processing by pricing the securities to be used as collateral at the time of the trade rather than later in the morning, as had been the practice. During the week of September 18, the German mark rose 4. § 1842(a)(3); 12 C. 11(c). Moreover, specific initiatives by FFB-MD in Philadelphia and the surrounding area include a commitment for approximately $4. C. Omaha douglas federal credit union ebranch account number banking. Thomas Wilson, '51. DOLLAR RETRACES ITS GAINS LATE IN THE PERIOD Toward the end of the quarter, the dollar retraced some of its earlier gains as a confluence of events in Japan, Europe, and the United States triggered dollar selling.

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As a "regular" at the old Eat Shop on Cass Street, he spearheaded the creation of the "new" Eat Shop in the Kellogg Center to include original booths and memorabilia. She has maintained close friendships with Albion faculty and residents of Albion, decades after graduation. Moreover, the allegations regarding Southeast Bank have been the subject of civil litigation which provides an opportunity to substantiate claims of wrongdoing and seek redress if appropriate. They have one daughter, Natalie. 26 Finally, the 1994 Examinations indicated that all of First Union's subsidiary banks solicit and accept credit applications from all segments of their delineated communities, including individuals in lowand moderate-income areas. The policy also requires additional analyses, community contacts and/or review of need ascertainment calls when any branch closing affects a low- and moderate-income community. Yet those U. banks that compete in world markets are consistently among the most profitable in the world and include those that are ranked as the most innovative. In honor of her contributions to the French trade ministry, Swart was awarded the Chevalier (Knight) de l'Ordre National du Mérite by the President of France.

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2 Southeast is the 378th largest commercial banking organization in Texas, with deposits of $49 million, representing less than 1 percent of total deposits in commercial banking organizations in the state. Administration supported a stronger dollar not only against the yen but also against other currencies. Wilbur S. Hurst, '61. United Bank advertises its products and services in metropolitan newspapers and in neighborhood newspapers that serve low- and moderate-income areas of United Bank's delineated community. Excludes unearned income, reserves for losses on loans and leases, and reserves for transfer risk. Through Missionwell LLC, Ryan applies her business-world expertise to the service of Southern California religious and nonprofit organizations, providing top-tier human resource and financial advice and services. Employee Stock Ownership Plan 622 Community Capital Corporation 813 Community Financial Corporation 752 Community First BancShares, Inc 317 Community First Bankshares, Inc 63, 401, 752, 986 Community Group, Inc 622 Community National Corporation 912 Community Trust Financial Services Corporation 987 Community Bancorp, Inc 401 Confluence Bancshares Corporation 1058 Cooperatieve Centrale Raiffeisen-Boerenleenbank B. "8 In weighing foreign money transmission services under the public benefits test, the Board relied on the fact that these companies are subject to licensing and examination by state authorities.

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First Nat'I Bank of Eden v. Comptroller of the Currency, 568 F. 2d 610, 611 n. 2 (8th Cir. SouthTrust Corporation Birmingham, Alabama Order Approving a Notice to Engage in Private Placement, Riskless Principal, and Investment Advisory Activities SouthTrust Corporation, Birmingham, Alabama ("Notificant"), a bank holding company within the meaning of the Bank Holding Company Act ("BHC Act"), has given notice under section 4(c)(8) of the BHC Act (12 U. Childhood friend and Albion classmate Sharon Thorne Vydick, '65, notes that April was also their sixth-grade class president and organizer of their 50-year high school reunion. This Order shall become effective upon the expiration of thirty days after service is made. There was one addition to and one deletion from the foreign list; it now contains 701 foreign equity securities. Skot Welch has spent 20 years helping churches, municipalities, nonprofits and industry leaders develop sustainable and measurable diversity initiatives. For the ordering address, see the inside front cover. Conclusion For the foregoing reasons, the Board orders that the attached Order issue. In addition, in Miami, Dallas, and the District of Columbia, all initially rejected loan applications from low- to moderate-income applicants are referred to a senior lending officer for a second review before the loan decision is made final. As of October 31, 1994, interest rate data for NOW accounts and savings deposits reflect a series break caused by a change in the survey used to collect these data. Examiners also noted that systems conversions had not yet been completed at several of these banks. Other commenters ("Protestants") criticized the CRA performance records of First Union and First Fidelity in helping to meet the credit needs of low- and moderateincome neighborhoods and communities with predominately minority populations. Break-adjusted total reserves equal break-adjusted required reserves (line 9) plus excess reserves (line 16).. 21 8.

• Forty-eight stocks previously on the list have been removed for substantially failing to meet the requirements for continued listing. NationsBanc Mortgage also requires each of its account executives to make at least three calls per month on minority realtors, realtors located in low-and moderate-income census tracts, builders of affordable housing, and other persons familiar with the housing-related credit needs of minority and low- and moderate-income members of the community. To accomplish this end, 5. Renewed short-term swap facilities for Mexico, each in the amount of $1 billion, for an additional ninety days. We look forward to working with the Congress and other regulatory agencies in this regard.

9 7 Finished goods 8 Consumer foods 9 Consumer energy 10 Other consumer goods 11 Capital equipment 1. The merger would not be regarded as anticompetitive if the resulting market share, the HHI, and the change in that index do not exceed the criteria in the Justice Department's merger guidelines for banking. The loans at issue were only discovered after a review of Vasa's loan portfolio had been conducted by the individual who replaced Vasa. Notice of the proposal, affording interested persons an opportunity to submit comments, has been published (60 Federal Register 38, 838 (1995)).

May June July Aug 6. Sixty-one commenters supported the proposal and three opposed it. Wood previously worked with the Detroit Medical Center, Wayne State University and the Karmanos Cancer Institute, including service as chief medical officer of the Karmanos Cancer Hospital.

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