Board of Governors of the Federal Reserve System

BANK OF CHICAGO December 18, 2008 Mr. Shane A. Habben [Street address ...non-bank subsidiaries of bank holding companies or uninsured branches

Banks Estimated volume Share of total non-real-estate farm loans (millions...banks that report farm net charge-offs on a consolidated basis and for

banks in connection with credit card accounts. The effective date for ...banks from treating a payment as late for any purpose unless the bank

banks' claims on foreigners that are covered by the program. The regular...banks also show a roughly equivalent net outflow. Outstanding term loans

Bank credit. Final data on bank credit for December indicate that the ...banks in December was slightly less than was estimated in the supplement

Prefatory Note The attached document represents the most complete and accurate version available based on original copies culled from the files

banks to rebalance their portfolios toward riskier assets with higher

banks income percent percent percent percent percent over banks Banks banks banks banks banks banks banks 1997...... 100.0 1.6 5.9 34.5 39.7

banks deposits of banks deposits of banks deposits of banks deposits of...banks deposits of banks deposits of banks deposits of banks deposits of

bank holding company that owns and controls Integrity Bank, Alpharetta...Bank, whether the Bank’s federal and state regulators have approved the