Board of Governors of the Federal Reserve System

banks that are members of the Federal Reserve System (“member banks”)....bank to an affiliate’s credit or investment risk. A member bank’s “affiliates

banks and their subsidiaries • Bank holding companies • Affiliates of bank holding companies, other than banks, savings associations, and subsidiaries

bank, Valley Independent Bank (“Valley Bank”), both in El Centro, California...Bank, Reedley (“KRS Bank”), both in California, in January 2000. KRS Bank

bank fraud and one administrative action of a Board employee. Fines and...Banks or other third parties collect or maintain information and use or

banks. All Respondents Large Banks Other Banks Banks Pct Banks Pct Banks...Banks Other Banks Banks Pct Banks Pct Banks Pct Tightened considerably

banks) (percentage of banks) Dry- Irri- Ranch- Dry- Irri- Ranch- Quarter...banks) (percentage of banks) Dry- Irri- Ranch- Dry- Irri- Ranch- Quarter

Banks Share of outstanding farm production Estimated volume (billions ...banks that report farm delinquencies on a consolidated basis and for small

bank with any single affiliate to no more than 10 percent of the bank’...bank’s covered transactions with all affiliates to 20 percent of the bank

bank, or for a bank holding company or foreign bank to engage in activities...bank holding company or foreign bank treated as a bank holding company

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