After beginning her career as an auditor at Ernst & Young, LLP, Burgess joined Lear's finance team at the beginning of a corporate "growth spurt. " National Banking Structure The high level of merger activity since 1980, along with a large number of bank failures, is reflected in a steady decline in the number of U. banking organizations from 1980 through 1994. Challenges to Evidentiary Rulings Vasa did not file any exceptions to the ALJ's evidentiary rulings. 16707 Crabbs Branch Way, Rockville, Maryland 20855 71. Omaha douglas federal credit union ebranch bill payer. She and her husband, Jerry, live in New York City and Sag Harbor, New York. In the Board's view, Protestants have had ample opportunity to and have presented substantial written submissions, and they have not identified facts that are material to the Board's decision and that are in dispute, what substantial evidence they would produce at a public meeting or hearing, and why their written submissions do not adequately present their allegations. For example, even after the 1995 fee increase, only about 90 institutions typically incurred fees of more than $100 in any two-week period.
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Dollars Millions of dollars, end of period 1995 Area or country 1992 1994r 1993 Feb. r r Mar. The FDIC denies any irregularities in the process for reviewing and accepting the First Union bid for Southeast Bank. In addition, the Board notes that the Partnership agreements require the establishment of conflict review committees, nominated by the limited partners, to review any potential conflicts of interest between the general partners and their affiliates on the one hand, and the Partnership or a debtor company on the other hand. In other areas, however, examiners noted that the bank had satisfactory levels of credit extensions in low- and moderate-income census tracts. Omaha douglas county federal credit union. But widespread use of private electronic currency would certainly raise a number of policy questions. 10 Moreover, nothing in section 3(c) of the BHC Act requires denial of an application solely because a bank holding company proposes to acquire less than a controlling interest in a bank or a bank holding company.
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Based on the commitments made by Applicant regarding its conduct of the proposed activities, the limitations noted in this order, and all the facts of record, the Board has determined that the performance of the proposed activities by Applicant could reasonably be expected to produce public benefits that would outweigh the possible 11. Concerns have been expressed that introducing what amounts to a form of private currency might damage the Federal Reserve's control of the money supply and lead to inflationary pressures. But in each case, the separate credits were then consolidated into a single loan. Omaha douglas federal credit union ebranch mobile. Protestant's comments on this notice also were filed in connection with First Union's proposal to acquire First Fidelity Bancorporation, Newark, New Jersey, and Philadelphia, Pennsylvania.
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Moreover, the proposal can reasonably be expected to produce public benefits, such as an increase in funding available to lenders as credit is purchased by Company. Legal Developments ceived in light of the factors set forth in section 3 of the BHC Act. Biweekly averages of daily data, Jan. 6, 1993, to Oct. 11, 1995. Thrift institution deposits are now typically accorded 50 percent weight in calculating statistical measures of the effect of a merger on market structure for the Board's analysis of competition. This factor would apply when a 1098 Federal Reserve Bulletin • December 1995 weak or declining market is clearly a fundamental and long-term trend, and there are indications that exit by merger would be appropriate because exit by closing offices is not desirable and shrinkage would lead to diseconomies of scale. Also during the 1980s, most states passed laws allowing the acquisition of in-state banks by out-of-state organizations. FFB-MD operates branches in Maryland, New Jersey, Pennsylvania, and New York. Margaret E. Berry, '35. Morgan & Alfred Berg Incorporated, 76 Federal Reserve Bulletin 26 (1990) ("J. Thus, simply by achieving larger size, mergers seem unlikely to yield greater efficiency.
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These actions and our joint operations are consistent with the April 25 G-7 communique. He is a past president of the Albion College Alumni Association Board of Directors and served two terms on the College's Board of Trustees. In addition to this activity, Applicant proposes to engage through Company in managing certain assets as the corporate general partner in two limited partnerships ("Partnerships"). Indeed, one of the factors reviewed in a CRA examination is the bank's 1100 Federal Reserve Bulletin • December 1995 record of opening and closing offices. Cir., filed March 3, 1995). Many have argued, however, that they are simply an indication of the greater efficiency and lower costs of the largest firms in such markets. In addition, these shareholders allege that potential benefits from the transaction created a conflict of interest for these officers that caused them to negotiate the proposal as an all-cash merger rather than as a tax-free exchange of stock in violation of their fiduciary duty to shareholders. 1059 (1988) (collectively, "Section 20 Orders"). Panies under the Investment Company Act of 12 U. Data on the nationwide concentration of U. banking assets must also be viewed in perspective.
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5 Realized profits and losses from foreign currency sales, 1 June 30-Sept. 30, 1995 Deutsche marks Japanese yen 39. Among the other major industries, the production of motor vehicles and parts, primary metals, and lumber products fell; however, the output of both industrial and electrical machinery rose sharply. These higher profits may reflect the lesser degree of competition in more concentrated markets. The proposed FCM activities would be conducted in accordance with the requirements of Regulation Y, other than its prohibition on proprietary trading for purposes other than hedging.
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Karpowicz was a founding member of Chicago Sculpture International, itself the first regional affiliate of the International Sculpture Center. 76, the principal remaining after payments had been made by Vasa. Comprises Algeria, Gabon, Libya, and Nigeria. 0 billion in total assets. The Board also has carefully reviewed comments critical of the CRA performance of FFB-CT. As noted above, FFB-CT received a satisfactory rating from the FDIC in March 1995. 1 The proposed activity would be conducted at first through a network of approximately 1, 200 "outside representative offices" located in California, Florida, Illinois, and Texas that are under contract with Companies to provide money transmission services. This last point reminds us that, at present, we do not know which, if any, of the many potential electronic innovations will succeed commercially. For the first eight months of 1995, the bank has extended 93 housing-related loans totalling $8 million to South Shore community residents. Unadjusted total reserves (line 11) less unadjusted required reserves (line 14). 5 DEPOSIT TURNOVER Demand deposits3 6 All insured banks 7 Major New York City banks 8 Other banks 9 Other checkable deposits4 10 Savings deposits (including MMDAs)5 Not seasonally adjusted DEBITS Demand deposits3 11 All insured banks 12 Major New York City banks 13 Other banks 14 Other checkable deposits4 15 Savings deposits (including MMDAs)5 313, 344. She has held executive positions with the national the Society of Gynecologic Oncology and the Society of Memorial Gynecologic Oncologists. Currently he is an interim inspector general for LAUSD.
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A clinical specialist in vision impairment and low-vision rehabilitation, Grover also collaborates with other health care professionals on evaluating and improving their care delivery eye care programs. 12 Since 1978, CLC has developed more than 1, 800 residential units and 129, 000 square feet of commercial space totalling approximately $122 million in fair market value. Inner City Press/Community on the Move ("Protestant") maintains that public notice of this proposal was inadequate because First Union did not publish notice of the proposal three times in a local newspaper. Government 3 Treasury securities 4 Budget agency issues and mortgages 246. Perhaps even more important, the total number of banking offices increased sharply from about 53, 000 in 1980 to more than 65, 000 in 1994, a 23 percent rise, and the population per banking office declined.
The Board recognizes, however, that HMDA data alone provide an incomplete measure of an institution's lending in its community. Consumer Installment Credit A3 9 CONSUMER INSTALLMENT CREDIT1 1. John C. Koegel, '85. 13 INDUSTRIAL PRODUCTION A47 Indexes and Gross Value1 Monthly data seasonally adjusted portion 1995 1994 1992 Group 1994 avg. At the Johns Hopkins School of Medicine, Grover serves as an Assistant Professor of Ophthalmology in the Wilmer Eye Institute and Director of Research in the Office of Women in Science and Medicine. For example, the Community Banking Coalition ("Coalition") and the Chicago Southside Branch of the NAACP criticized the lending record of South Shore Bank and Indecorp to African-American borrowers.
5 3 1994—May 17 18 Aug. 16 18 Nov. 15 17 3-3. 15 Nine of the 18 applications received in 1994 were from African Americans. Latest series, October. A member of Alpha Chi Omega who wrote for The Pleiad, Fellows has never forgotten Albion–regularly hiring students as interns. The Board previously has determined that these activities are permissible and do not constitute underwriting and dealing in securities for purposes of the Glass-Steagall Act. 52 G. A77 Release number and title Quarterly Annual USPS rate Annual fax rate Approximate release days 1 Period or date to which data refer Corresponding Bulletin table numbers 2 Releases E. Survey of Terms of Bank Lending to Business $ 5. As the multi-lab program manager, he supervises a 30-person team of the nation's foremost geochemists, hydrologists, mathematicians, and computer scientists from the Los Alamos, Berkeley, Pacific Northwest, Oak Ridge, and Savannah River laboratories. The consolidated reports generally include NAB's domestic and foreign branches and subsidiaries. Department of Commerce Bronze Medal. Auction date for daily data; weekly and monthly averages computed on an issue-date basis. The industry is moving away from a legally fragmented banking structure toward a nationwide banking structure.
• 1089 Statements to the Congress Statement by Alan S. Blinder, Vice Chairman, Board of Governors of the Federal Reserve System, before the Subcommittee on Domestic and International Monetary Policy of the Committee on Banking and Financial Services, U. English Teacher, Detroit Country Day School, Bloomfield Hills, MI. 1147 The 1993 and 1994 HMDA data for FFB-MD indicate similar improvement. Shorebank's other subsidiary, Shore Bank & Trust Company, Cleveland, Ohio, is a recently chartered commercial bank that commenced business in the first quarter of 1995.
FDIC/NCUA Certificate 06208. Beyond this initial period, a flexible rate somewhat above rates charged on market sources of funds is charged.