Board of Governors of the Federal Reserve System

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

banks responding 1 All Respondents Mean Improvement in your bank’s current...banks 2.33 U.S. commercial banks 1.80 Foreign banks 2.00 Hedge funds 2.31

Bank, Billings, Montana (the “Bank”), a state member bank, in connection...Bank’s violations of Regulation H, 12 C.F.R. Part 208, that implements

bank holding company and to acquire Lone Summit Bank, a de novo bank. ...bank. - Approved, October 14, 2004 Dallas Bank Mergers American Bank of

bank holding company and to acquire Lone Summit Bank, a de novo bank. ...bank. - Approved, October 14, 2004 Dallas Bank Mergers American Bank of

Banks’ Costs of Funds 1991 1993 1995 1997 1999 2001 2003 2005 2007 2009

banks assisted to prevent failure. Industrial banks and mutual savings...banks also are excluded. Agricultural banks are defined in the introduction

banks. Effective (compounded) annual interest rates are calculated from...Bank Lending to Farmers, conducted during the first full business week

Banks by the Share of Their Total Loans that are Nonperforming Percent...banks are defined in the introduction to section B. Yearly data are as

Bank quarterly surveys of agricultural credit conditions at commercial...banks.