**Bank Merger Screen**

**Part A**

A.1. **List areas.** If the offices of both[^1] merging institutions[^2]
are located in any of the following, list each such area. If none, check
the box  and do not complete the merger screen.

> a\. Federal Reserve market (contact the relevant Federal Reserve Bank
> for information on defined markets).
>
> b\. Ranally Metropolitan Area (RMA), if no Federal Reserve market
> exists.
>
> c\. County, not within any Federal Reserve market or RMA.

[Area]{.underline} [Check one:]{.underline}

 FRB Market  RMA  County

 FRB Market  RMA  County

 FRB Market  RMA  County

 FRB Market  RMA  County

A.2. **Calculate HHIs.** For each area listed under item A.1, prepare an
HHI worksheet (see next page) covering all banks and thrifts in the
area. Follow the instructions accompanying the worksheet (including
thrifts at 50 percent as explained in the instructions) to calculate the
pre-merger and post-merger HHIs and the HHI increase. Prepare as many
worksheets as market areas are listed in Item A.1.

**Instructions for Completing Part A, Sections A.3 - A.5**

  -------------------- -- -----------------------------------------------------------
  [Item]{.underline}      [Instruction]{.underline}

  A.3                     Prepare a separate HHI worksheet for each market area
                          listed in A.1.
  -------------------- -- -----------------------------------------------------------

  ------ ---- ------------------------------------------------------------
  A.5         Calculate an HHI for the market area, as described later.

              
  ------ ---- ------------------------------------------------------------

+------+---+-----------------------------------------------------------+
| A    |   | In column (a), list all of the commercial banks and       |
| .5.a |   | thrift institutions that have offices in the market area, |
|      |   | indicating whether each is a bank or a thrift.            |
|      |   |                                                           |
|      |   | *Affiliates*. For institutions affiliated by common       |
|      |   | control, make only one entry that combines all            |
|      |   | affiliates.                                               |
+------+---+-----------------------------------------------------------+
|      |   |                                                           |
+------+---+-----------------------------------------------------------+

+------+---+-----------------------------------------------------------+
| A    |   | In column (b), report the number of offices of each       |
| .5.b |   | institution listed has in the market area.                |
+------+---+-----------------------------------------------------------+
|      |   |                                                           |
+------+---+-----------------------------------------------------------+
| A    |   | In column (c), list deposits for each institution.        |
| .5.c |   |                                                           |
|      |   | *For commercial banks,* list the total deposits of each   |
|      |   | institution (including all affiliates) in the market      |
|      |   | area.                                                     |
|      |   |                                                           |
|      |   | *For thrifts,* 100 percent of the deposits of a target    |
|      |   | thrift (including all affiliates) are included when       |
|      |   | determining the resulting bank's deposits. List 50        |
|      |   | percent of the total deposits of other thrifts (including |
|      |   | all affiliates) in the market area.                       |
|      |   |                                                           |
|      |   | *Total*. Add all of the deposits listed in column (c)     |
|      |   | (except those in the merged institution) for the total    |
|      |   | for the market area.                                      |
+------+---+-----------------------------------------------------------+
| A    |   | In column (d), calculate the percentage market share of   |
| .5.d |   | deposits for each institution. Use the total of column    |
|      |   | (c) as the basis of the calculation.                      |
+------+---+-----------------------------------------------------------+
| A    |   | In column (e), calculate the square of the percentage     |
| .5.e |   | figures listed in column (d) for the acquiring            |
|      |   | institution, the acquired institution, and the other      |
|      |   | institutions. Calculate the Pre-merger HHI by adding all  |
|      |   | of the figures in column (e).                             |
+------+---+-----------------------------------------------------------+

+------+---+----------------------------------------------------------+
| A    |   | In column (f), calculate the square of the percentage    |
| .5.f |   | figure listed in column (d) for the merged institution,  |
|      |   | and enter the figures from column (e) for the other      |
|      |   | institutions. Calculate the Post-merger HHI by adding    |
|      |   | all of the figures in column (f).                        |
|      |   |                                                          |
|      |   | *HHI increase*. Calculate the HHI increase by            |
|      |   | subtracting the Pre-merger HHI from the Post-merger HHI. |
+------+---+----------------------------------------------------------+

+----------------------------------------------------------------+---+----+
| **HHI WWorksheet---Market Screen A (continued)**               |   |    |
|                                                                |   |    |
| A.3. Market Area:                                              |   |    |
|                                                                |   |    |
| A.4. Source and publication date of data used:                 |   |    |
|                                                                |   |    |
| A.5. HHI Calculation                                           |   |    |
+----------------------------------------------------------------+---+----+
|                                                                |   |    |
+----------------------------------------------------------------+---+----+

  -------- -- -------- -- -------- -- -------- -- -------- -- -------- -- -------
  Column      Column      Column      Column      Column      Column      
  (a)         (b)         (c)         (d)         (e)         (f)         

  -------- -- -------- -- -------- -- -------- -- -------- -- -------- -- -------

<table>
<colgroup>
<col style="width: 11%" />
<col style="width: 4%" />
<col style="width: 11%" />
<col style="width: 4%" />
<col style="width: 11%" />
<col style="width: 4%" />
<col style="width: 11%" />
<col style="width: 4%" />
<col style="width: 11%" />
<col style="width: 4%" />
<col style="width: 11%" />
<col style="width: 4%" />
<col style="width: 3%" />
</colgroup>
<tbody>
<tr class="odd">
<td><p>Depository</p>
<p>institutions</p>
<p>(including</p>
<p>affiliates)</p></td>
<td></td>
<td><p>Number of</p>
<p>offices in</p>
<p>market area</p></td>
<td></td>
<td>Total deposits in market area</td>
<td></td>
<td><p>Market</p>
<p>share of deposits (%)</p></td>
<td></td>
<td>Share squared pre-merger</td>
<td></td>
<td>Share squared post-merger</td>
<td></td>
<td></td>
</tr>
</tbody>
</table>

*Merging Institutions*

  ------------- -- ------- -- ------- -- ------- -- ------- -- ------- -- -------
  Acquiring                                                               
  institution                                                             

                                                                          
  ------------- -- ------- -- ------- -- ------- -- ------- -- ------- -- -------

<table style="width:100%;">
<colgroup>
<col style="width: 10%" />
<col style="width: 3%" />
<col style="width: 10%" />
<col style="width: 3%" />
<col style="width: 10%" />
<col style="width: 3%" />
<col style="width: 10%" />
<col style="width: 3%" />
<col style="width: 10%" />
<col style="width: 3%" />
<col style="width: 10%" />
<col style="width: 3%" />
<col style="width: 10%" />
</colgroup>
<tbody>
<tr class="odd">
<td>Acquired institution</td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
<tr class="odd">
<td>Merged institution</td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td><p><em>Merged</em></p>
<p><em>Share</em></p></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
</tbody>
</table>

*Other Institutions*

  ------- -- ------- -- ------- -- ------- -- ------- -- ------- -- -------
                                                                    

                                                                    

                                                                    

                                                                    

                                                                    

                                                                    

                                                                    

                                                                    

                                                                    

                                                                    
  ------- -- ------- -- ------- -- ------- -- ------- -- ------- -- -------

Pre-merger HHI

Total

Post-merger HHI

HHI Increase

**Instructions for Completing Part B, Section B.1**

  -------------------- ----- -----------------------------------------------------------
  [Item]{.underline}         [Instruction]{.underline}

                             

  B.1                        For item B.1, prepare a separate HHI worksheet for each
                             market area in which both institutions have offices that
                             make commercial loans.

                             
  -------------------- ----- -----------------------------------------------------------

**Part B**

B.1. **List areas.** If offices of both[^3] merging institutions,[^4]
which make commercial loans,[^5] exist in either of the following, list
each area.

> a\. Ranally Metropolitan Area (RMA).
>
> b\. County, but not within any RMA.

[Area]{.underline} [Check one:]{.underline}

 RMA  County

 RMA  County

 RMA  County

 RMA  County

B.2. **Calculate HHIs.** For each area listed under item B.1, prepare an
HHI worksheet (see next page) covering all commercial banks in the area.
Follow the instructions accompanying the worksheet to calculate the
Pre-merger and Post-merger HHIs and the HHI increase. Prepare as many
worksheets as market areas are listed in Item B.1.

**Instructions for Completing Part B, Section B.3 - B.5**

+-----+---+-----------------------------------------------------------+
| [It |   | [Instruction]{.underline}                                 |
| em] |   |                                                           |
| {.u |   |                                                           |
| nde |   |                                                           |
| rli |   |                                                           |
| ne} |   |                                                           |
+-----+---+-----------------------------------------------------------+
| B.5 |   | Calculate an HHI for the market area, as described later. |
+-----+---+-----------------------------------------------------------+
| B.  |   | In column (a), list all of the commercial banks (not      |
| 5.a |   | thrifts) that have offices in the market area. Also list  |
|     |   | the acquired and acquiring firms, even if both are not    |
|     |   | commercial banks.                                         |
|     |   |                                                           |
|     |   | *Affiliates*. For institutions affiliated by common       |
|     |   | control, make only one entry that combines all.           |
+-----+---+-----------------------------------------------------------+
| B.  |   | In column (b), report the number of offices of each       |
| 5.b |   | institution listed in the market area.                    |
+-----+---+-----------------------------------------------------------+
| B.  |   | In column (c), list the total deposits of each            |
| 5.c |   | institution (including all affiliates) in the market      |
|     |   | area.                                                     |
|     |   |                                                           |
|     |   | *Total*. Add all of the deposits listed in column (c)     |
|     |   | (except those in the merged institution) to get the total |
|     |   | commercial bank deposits for the market area.             |
+-----+---+-----------------------------------------------------------+
| B.  |   | In column (d), calculate the percentage market share of   |
| 5.d |   | deposits for each institution. Use the total of column    |
|     |   | (c) as the basis for the calculation.                     |
+-----+---+-----------------------------------------------------------+
| B.  |   | In column (e), calculate the square of the percentage     |
| 5.e |   | figures listed in column (d) for the acquired             |
|     |   | institution, the acquiring institution, and the other     |
|     |   | institutions. Calculate the Pre-merger HHI by adding all  |
|     |   | of the figures in column (e).                             |
+-----+---+-----------------------------------------------------------+
| B.  |   | In column (f), calculate the square of the percentage     |
| 5.f |   | figure listed in column (d) for the merged institution,   |
|     |   | and enter the figures from column (e) for the other       |
|     |   | institutions. Calculate the Post-merger HHI by adding all |
|     |   | of the figures in column (f).                             |
|     |   |                                                           |
|     |   | *HHI increase*. Calculate the HHI increase by subtracting |
|     |   | the Pre-merger HHI from the Post-merger HHI.              |
+-----+---+-----------------------------------------------------------+

**HHI Worksheet---Market Screen B (continued)**

B.3. Market Area:

B.4. Source and publication date of data used:

B.5. HHI Calculation

  -------- -- -------- -- -------- -- -------- -- -------- -- -------- -- --
  Column      Column      Column      Column      Column      Column      
  (a)         (b)         (c)         (d)         (e)         (f)         

  -------- -- -------- -- -------- -- -------- -- -------- -- -------- -- --

<table style="width:100%;">
<colgroup>
<col style="width: 10%" />
<col style="width: 3%" />
<col style="width: 10%" />
<col style="width: 3%" />
<col style="width: 10%" />
<col style="width: 3%" />
<col style="width: 10%" />
<col style="width: 3%" />
<col style="width: 10%" />
<col style="width: 3%" />
<col style="width: 10%" />
<col style="width: 3%" />
<col style="width: 10%" />
</colgroup>
<tbody>
<tr class="odd">
<td>Depository institutions (including affiliates)</td>
<td></td>
<td>Number of offices in market area</td>
<td></td>
<td>Total deposits in market area</td>
<td></td>
<td><p>Market</p>
<p>share of deposits (%)</p></td>
<td></td>
<td>Share squared pre-merger</td>
<td></td>
<td>Share squared post-merger</td>
<td></td>
<td></td>
</tr>
<tr class="even">
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
<td></td>
</tr>
</tbody>
</table>

*Merging Institutions*

  ------------- -- ------- -- ------- -- ------- -- ------- -- ------- -- -------
  Acquiring                                                               
  institution                                                             

                                                                          
  ------------- -- ------- -- ------- -- ------- -- ------- -- ------- -- -------

  ------------- -- ------- -- ------- -- ------- -- ------- -- ------- -- -------
  Acquired                                                                
  institution                                                             

                                                                          

  Merged                                                                  
  institution                                                             
  ------------- -- ------- -- ------- -- ------- -- ------- -- ------- -- -------

*Other Institutions*

  ------- -- ------- -- ------- -- ------- -- ------- -- ------- -- -------
                                                                    

                                                                    

                                                                    

                                                                    

                                                                    

                                                                    

                                                                    

                                                                    
  ------- -- ------- -- ------- -- ------- -- ------- -- ------- -- -------

Pre-merger HHI

Total

Post-merger HHI

HHI Increase

**Instructions for Completing Part B, Section B.6**

  -------------------- ---- -----------------------------------------------------------
  [Item]{.underline}        [Instruction]{.underline}

  B.6                       In Item B.6, indicate the outstanding balance of commercial
                            loans originated in the market area by the acquiring and
                            the acquired institution. "Commercial loans" are those that
                            fall within the category entitled "commercial and
                            industrial loans" in the FDIC Report of Condition and the
                            category entitled "non-mortgage commercial loans" in the
                            OTS Thrift Financial Report.

                            
  -------------------- ---- -----------------------------------------------------------

**HHI Worksheet---Market Screen B (continued)**

B.6 Commercial Loans. For each merging institution, report the
outstanding balance of commercial and industrial loans ("C&I loans")
originated by offices in the market area.

[^1]: 1

    ^1^This document was written to apply to a situation that involved
    only two institutions. In a transaction involving more than two
    institutions, treat each reference to "both" or "two" institutions
    as if it referred to "two or more" institutions.

[^2]: 2Including their affiliates. All subsequent references to
    "institutions" include all affiliates.

[^3]: 3

    ^3^This document is written for a situation in which only two
    institutions are involved. In a transaction in which more than two
    institutions are involved, treat each reference to "both" or "two"
    institutions as if it referred to "two or more" institutions.

[^4]: 4Including their affiliates. All subsequent references to
    "institutions," include all affiliates.

[^5]: 5As defined in the FDIC Report of Condition as "commercial and
    industrial loans" and in the OTS Thrift Financial Report as
    "non-mortgage commercial loans."