3220 Federal Register / Vol. 60, No. 9 / Friday, January 13, 1995 / Notices

VII. Public Record and Opportunity for

Comment.

EPA has established a public docket

(OPP–30000/59) for the propoxur PreSpecial Review. This public record

includes: (1) this Notice; (2) any other

notices pertinent to the propoxur

Special Review; (3) non-Confidential

Business Information (CBI) documents

and copies of written comments

submitted to EPA in response to the preSpecial Review registrant notification,

(4) any other Notice regarding propoxur

submitted at any time during the PreSpecial Review process by persons

outside government; (5) a transcript of

all public meetings held by EPA for the

purpose of gathering information on

propoxur; (6) memoranda describing

each meeting held on propoxur between

EPA personnel and persons outside

government during the Pre-Special

Review process; and (7) a current index

of materials in the public docket.

Additional information about the docket

may be found in the section on

addresses at the beginning of thisnotice.

EPA is providing a 60–day period for

registrants, applicants, and interested

persons to comment on the risks

associated with indoor and pet uses of

propoxur products, and on EPA’s

proposed decision not to initiate a

Special Review of propoxur. Written

comments must be submitted by March

14, 1995, and must be identified by the

docket number (OPP–30000/59).

Comments should be sent to the address

provided at the beginning of this notice.

VIII. References

The documents referred to in this Notice

are listed below. Copies are available in the

Public Docket. Information about the Public

Docket is available in the ADDRESSES unit

at the beginning of this notice.

(1) Letter from D. Campt, Director, Office

of Pesticide Programs, to propoxur

registrants, dated March 22, 1988.

(2) Eben, A. ‘‘Studies on Transformation of

Propoxur in Humans,’’ dated June 1, 1987,

Accession Number 406297–4, Data

Evaluation Report (DER) No. 6858.

(3) Memorandum from B. Fisher, HED, to

B. Backus, HED, titled Propoxur (Baygon)

Qualitative Risk Assessment, Revised and

Quantitative Risk Assessment-Two-Year SPF

Rat Dietary Study, dated April 21, 1992.

(4) Memorandum from D. Jaquith, HED, to

D. Edwards, RD, titled Review of Propoxur

Exposure Studies Submitted by Mobay

Corporation in Response to Data-Call-In

Notice (HED Project Nos. 9–1935, 9–1936, 9–

1937, 9–1938, 9–1939) and Current Estimates

of Exposure for Other Scenarios, dated

February 7, 1990.

(5) Memorandum from E. Budd, HED, to J.

Gallagher, SRRD, titled Propoxur:

Carcinogenic Risk Assessment for Pest

Control Operators Treating Indoor Sites

(Utilizing Dermal Absorption Data) (Crack

and Crevice Study) dated January 24, 1991,

updated August 14, 1992.

(6) Memorandum from E. Budd, HED, to D.

Chen, SRRD, titled Propoxur: Quantitative

Risk Assessments for Remaining End-Use

Formulations Listed in OREB Memorandum

of November 6, 1992, dated February 8, 1993.

(7) Memorandum from D. Jaquith, HED, to

D. Chen, SRRD titled Refinement of Exposure

Analysis for Propoxur, dated November 6,

1992.

(8) Memorandum from D. Jaquith, HED, to

D. Edwards, RD, titled Review of Repeated

Exposure Study Addressing Application of a

2 percent propoxur bait (HED Project No. 1–

1471) dated November 15, 1991.

(9) Memorandum from D. Jaquith, HED, to

A. Sibold, SRRD, titled Exposures to

Propoxur from Granular Baits Applied in and

around Homes dated May 24, 1994.

(10) Memorandum from D. Jaquith, HED, to

D. Edwards, RD, titled Review of Repeat

Exposure Study for Propoxur Pet Spray

Products (HED Project No. 2–0491) dated July

15, 1992.

(11) Memorandum from Byron Backus,

HED, to McCall/Whitby, HED, titled Used of

Measurements of 2-Isopropoxyphenol in

Human Urine Samples to Determine

Exposure and Absorption of Propoxur, dated

June 28, 1994.

(12) Memorandum from David Jaquith,

HED, to Deborah McCall, HED, titled

Response to Questions from SRB Regarding

Propoxur, dated July 13, 1994.

(13) Memorandum from E. Budd, HED to

D. Chen, SRRD, titled Propoxur: Carcinogenic

Risks for Individuals Apply a 0.25 Percent

Aerosol Spray to Pets. dated August 14, 1992.

(14) Memorandum from Deborah McCall,

HED to Ann Sibold, SRRD, titled Propoxur:

Revisions to Carcinogenic Risk Estimates for

Commercial Workers and Homeowners

Exposed to Pet Sprays, dated July 25, 1994.

(15) Memorandum from D. Jaquith, HED, to

D. Chen, SRRD, titled Review of Repeat

Exposure Study for Propoxur Aerosol Spray

(HED Project No. 1/1208), dated July 29,

1991.

(16) Memorandum from K. Whitby, HED,

to D. Chen, SRRD, titled Propoxur (Baygon)

Carcinogenic Risk for Homeowners Applying

1 percent Aerosol Spray Products, dated

September 1, 1992.

(17) Memorandum from D. Jaquith, HED, to

D. Chen, SRRD, titled Classification of

Propoxur Use Sites and Expansion of

Exposure Matrix for Aerosol Uses, dated

August 11, 1992.

(18) Memorandum from D. Jaquith, HED, to

D. Chen, SRRD, titled Errors in Exposure

Analysis for Propoxur, dated November 18,

1992.

(19) Memorandum from Deborah McCall,

HED, to Ann Sibold, SRRD, titled Propoxur:

Revised Lifetime Risk Numbers for Ready-toUse Sprays, dated August 12, 1994.

(20) Memorandum from D. Jaquith, HED, to

D. Chen, SRRD, titled Post-Application

Exposures of Residents to Propoxur Applied

as an Aerosol Spray, dated November 1,

1991.

(21) Memorandum from David Jaquith,

HED, to Deborah McCall, HED, titled

Clarification of Resident Applicator

Exposures from Ready to Use (RTU)

Formulations of Propoxur, dated August 5,

1994.

(22) Memorandum from D. Jaquith, HED, to

D. Edwards, RD, titled Review of Study

Estimating Resident Exposure to Propoxur

Following Crack and Crevice Treatment (HED

project No. 9–1936) dated November 15,

1989.

(23) Memorandum from E. Budd, HED, to

D. Chen, SRRD, titled Propoxur: Revised

Carcinogenic Risk Assessment for Residents

of Homes Following Crack and Crevice

Treatments (Utilizing Refined Exposure

Analysis Provided OREB in Memoranda of

November 6, 1992 and November 18, 1992),

dated December 8, 1992.

(24) Memorandum from D. Jaquith, HED, to

J. Gallagher, SRRD, titled Adjustments to Post

Application Exposure Assessment for

Residents of Homes treated with Propoxur

(HED Proj. No. 1–0222), dated February 27,

1991.

(25) Memorandum from E. Budd, HED, to

D. Chen, SRRD, titled Propoxur: Revised

Carcinogenic Risk Assessment for Residents

of Homes Following Treatments with a 1

percent Aerosol Product (Utilizing Refined

Exposure Analysis Provided by OREB in

Memoranda of 11/6/92 and 11/18/92), dated

December 8, 1992.

(26) Memorandum from S. Knott, HED, to

D. Edwards, RD, titled review of Post

Application Exposure from Indoor Pest Strips

Containing Propoxur (HED Project No. 9–

1540) dated August 2, 1989.

(27) Jackson, M.D. and Lewis, R.G., (1981)

Insecticide Concentrations in Air after

Application of Pest Control Strips. Bull

Environm Contam Toxicol 27:122–125.

(28) Memorandum from C. Lunchick, EAB,

to Jay Ellenberger, RD, and Robert Zendzian,

HED, titled Exposure Assessment for

Propoxur (Baygon) dated January 8, 1985.

(29) Memorandum from Penelope FennerCrisp, HED, to Bill Burnam, Hugh Pettigrew,

and Kerry Dearfield, titled Deriving Q*s

Using the Unified Interspecies Scaling

Factor, dated July 8, 1994.

(30) Memorandum from Stephanie Irene,

HED to Louis P True, Jr., SRRD, and Stephen

Johnson, RD, titled Propoxur - Carcinogencity

in Animals, dated December 14, 1994.

(31) National Research Council (U.S.).

Committee on Pesticides in the Diets of

Infants and Children, Pesticides in the Diets

of Infants and Children. copyright 1993 by

the National Academy of Sciences.

List of Subjects

Environmental protection, chemcals,

pesticides and pest.

Dated: December 30, 1994.

Lynn R. Goldman,

Assistant Administrator for Prevention,

Pesticides and Toxic Substances.

[FR Doc. 95–934 Filed 1–12–95; 8:45 am]

BILLING CODE 6560–50–F
Federal Register / Vol. 60, No. 9 / Friday, January 13, 1995 / Notices 3221

FEDERAL HOUSING FINANCE BOARD

[No. 95–N–01]

Notice of Federal Home Loan Bank

Members Selected for Community

Support Review

AGENCY: Federal Housing Finance

Board.

ACTION: Notice.

SUMMARY: The Financial Institutions

Reform, Recovery, and Enforcement Act

of 1989 added a new Section 10(g) to the

Federal Home Loan Bank Act of 1932

requiring that members of the Federal

Home Loan Bank (FHLBank) System

meet standards for community

investment or service in order to

maintain continued access to long-term

FHLBank System advances. In

compliance with this statutory change,

the Federal Housing Finance Board

(Finance Board) promulgated

Community Support regulations (12

CFR Part 936) that were published in

the Federal Register on November 21,

1991 (56 FR 58639). Under the review

process established in the regulations,

the Finance Board will select a certain

number of members for review each

quarter, so that all members that are

subject to the Community Reinvestment

Act of 1977, 12 U.S.C. § 2901 et seq.,

(CRA), will be reviewed once every two

years. The purpose of this Notice is to

announce the names of the members

selected for the fourth quarter review

(1994–95 cycle) under the regulations.

The Notice also conveys the dates by

which members need to comply with

the Community Support regulation

review requirements and by which

comments from the public must be

received.

DATES: Due Date For Member

Community Support Statements for

Members Selected in Fourth Quarter

Review: February 28, 1995.

Due Date For Public Comments on

Members Selected in Fourth Quarter

Review: February 28, 1995.

FOR FURTHER INFORMATION CONTACT:

Sylvia C. Martinez, Director, Housing

Finance Directorate, (202) 408–2825,

Federal Housing Finance Board, 1777 F

Street, NW., Washington, DC 20006. A

telecommunications device for deaf

persons (TDD) is available at (202) 408–

2579.

SUPPLEMENTARY INFORMATION:

A. Selection for Community Support

Review

The Finance Board currently reviews

all FHLBank System members that are

subject to CRA once every two years.

Approximately one-eighth of the

FHLBank members in each district will

be selected for review by the Finance

Board each calendar quarter. To date,

only members that are subject to CRA

have been reviewed. In selecting

members, the Finance Board will follow

the chronological sequence of the

members’ CRA Evaluations post-July 1,

1990, to the greatest extent practicable,

selecting one-eighth of each District’s

membership for review each calendar

quarter. However, the Finance Board

will postpone review of new members

until they have been in the System for

one full year.

Selection for review is not, nor should

it be construed as, any indication of

either the financial condition or

Community Support performance of the

institutions listed.

B. List of FHLBank Members To Be

Reviewed in the Fourth Quarter,

Grouped by FHLBank District

Member City State

Federal Home Loan Bank of Boston—District 1, Post Office Box 9106, Boston, Massachusetts 02205–9106

Eagle Federal Savings Bank ................................................................................................................................. Bristol ......................... CT

Nutmeg Federal Savings and Loan Association ................................................................................................... Danbury ..................... CT

Union Savings Bank of Danbury ........................................................................................................................... Danbury ..................... CT

Advest Bank .......................................................................................................................................................... Hartford ...................... CT

Jewett City Savings Bank ...................................................................................................................................... Jewett City ................. CT

MidConn Bank ....................................................................................................................................................... Kensington ................. CT

Naugatuck Valley S&LA, Inc. ................................................................................................................................ Naugatuck .................. CT

The People’s Savings Bank of New Britain .......................................................................................................... New Britain ................ CT

New Haven Savings Bank ..................................................................................................................................... New Haven ................ CT

Newtown Savings Bank ......................................................................................................................................... Newtown .................... CT

First County Bank .................................................................................................................................................. Stamford .................... CT

Dime Savings Bank of Wallingford ........................................................................................................................ Wallingford ................. CT

Winsted Savings Bank .......................................................................................................................................... Winsted ...................... CT

Brookline Savings Bank ........................................................................................................................................ Brookline .................... MA

Boston Federal Savings Bank ............................................................................................................................... Burlington ................... MA

Cambridgeport Savings Bank ................................................................................................................................ Cambridge ................. MA

Canton Cooperative Bank ..................................................................................................................................... Canton ....................... MA

Fitchburg Savings Bank, FSB ............................................................................................................................... Fitchburg .................... MA

Family Mutual Savings Bank ................................................................................................................................. Haverhill ..................... MA

Lowell Co-operative Bank ..................................................................................................................................... Lowell ......................... MA

Natick Federal Savings Bank ................................................................................................................................ Natick ......................... MA

New Bedford Institution for Savings ...................................................................................................................... New Bedford .............. MA

Colonial Federal Savings Bank ............................................................................................................................. Quincy ........................ MA

Quincy Savings Bank ............................................................................................................................................ Quincy ........................ MA

Heritage Cooperative Bank ................................................................................................................................... Salem ......................... MA

Salem Five Cents Savings Bank ........................................................................................................................... Salem ......................... MA

Shirley Co-operative Bank ..................................................................................................................................... Shirley ........................ MA

Stoneham Savings Bank ....................................................................................................................................... Stoneham .................. MA

Bay State Savings Bank ........................................................................................................................................ Worcester .................. MA

First Citizens Bank ................................................................................................................................................ Presque Isle ............... ME

Concord Savings Bank .......................................................................................................................................... Concord ..................... NH

Lancaster National Bank ....................................................................................................................................... Lancaster ................... NH

First National Bank of Portsmouth ........................................................................................................................ Portsmouth ................ NH

Fleet National Bank ............................................................................................................................................... Providence ................. RI
3222 Federal Register / Vol. 60, No. 9 / Friday, January 13, 1995 / Notices

Member City State

Brattleboro Savings and Loan Association ........................................................................................................... Brattleboro ................. VT

Federal Home Loan Bank of New York—District 2, One World Trade Center, 103rd Floor, New York, New York 10048

West Essex Savings Bank, SLA ........................................................................................................................... Caldwell ..................... NJ

Cape Savings Bank, SLA ...................................................................................................................................... Cape May Courthouse NJ

Commerce Bank,N.A. ............................................................................................................................................ Cherry Hill .................. NJ

First Constitution Bank .......................................................................................................................................... Cranbury .................... NJ

Delanco Savings & Loan Association ................................................................................................................... Delanco ...................... NJ

Columbia Savings Bank, SLA ............................................................................................................................... Fair Lawn ................... NJ

Haven Savings Bank, SLA .................................................................................................................................... Hoboken .................... NJ

First Federal Savings Bank of Delaware .............................................................................................................. Palisades Park ........... NJ

First Home Savings Bank, fsb ............................................................................................................................... Pennsville .................. NJ

First S&L Association of Sea Isle City .................................................................................................................. Sea Isle City .............. NJ

Manasquan Savings Bank ..................................................................................................................................... Wall Township ........... NJ

Wawel Savings Bank, SLA .................................................................................................................................... Wallington .................. NJ

First DeWitt Savings Bank, FSB ........................................................................................................................... West Caldwell ............ NJ

Crest Savings and Loan Association .................................................................................................................... Wildwood Crest ......... NJ

Amsterdam Savings Bank, FSB ............................................................................................................................ Amsterdam ................ NY

Bridgehampton National Bank ............................................................................................................................... Bridgehampton .......... NY

Reliance Federal Savings Bank ............................................................................................................................ Garden City ............... NY

Tompkins County Trust Company ......................................................................................................................... Ithaca ......................... NY

Bankers Federal Savings Bank, FSB .................................................................................................................... New York ................... NY

Fourth Federal Savings Bank ................................................................................................................................ New York ................... NY

National Bank and Trust Company of Norwich ..................................................................................................... Norich ........................ NY

Adirondack Bank, A FSB ....................................................................................................................................... Saranac Lake ............ NY

Walden Federal Savings & Loan Association ....................................................................................................... Walden ....................... NY

City & Suburban Federal Savings Bank ............................................................................................................... Yonkers ...................... NY

Western Federal Savings Bank ............................................................................................................................. Magyaguez ................ PR

Ponce Federal Bank, FSB ..................................................................................................................................... Ponce ......................... PR

Federal Home Loan Bank of Pittsburgh—District 3, 601 Grant Street, Pittsburgh, Pennsylvania 15219–4455

Iron Workers Savings and Loan Association ........................................................................................................ Aston .......................... PA

Madison Bank ........................................................................................................................................................ Blue Bell .................... PA

National Bank of Boyertown .................................................................................................................................. Boyertown .................. PA

Union Building & Loan Association ....................................................................................................................... Bridgewater ................ PA

First Financial Savings Bank, PaSA ..................................................................................................................... Downingtown ............. PA

Elverson National Bank ......................................................................................................................................... Elverson ..................... PA

Community Bank and Trust Company .................................................................................................................. Forest City ................. PA

The Dime Bank ...................................................................................................................................................... Honesdale .................. PA

Indiana First Savings Bank ................................................................................................................................... Indiana ....................... PA

Russell National Bank ........................................................................................................................................... Lewistown .................. PA

First Commercial Bank of Philadelphia ................................................................................................................. Philadelphia ............... PA

Roxborough-Manayunk Federal Savings Bank ..................................................................................................... Philadelphia ............... PA

Brentwood Federal Savings & Loan Association .................................................................................................. Pittsburgh ................... PA

PNC Bank, N.A. ..................................................................................................................................................... Pittsburgh ................... PA

Schuylkill Savings & Loan Association ................................................................................................................. Schuylkill Haven ........ PA

Somerset Trust Company ..................................................................................................................................... Somerset ................... PA

Peoples National Bank of Central Pennsylvania .................................................................................................. State College ............. PA

Mechanics Savings and Loan Association ............................................................................................................ Steelton ...................... PA

Commonwealth Federal Savings Bank ................................................................................................................. Valley Forge .............. PA

Compass Federal Savings Bank ........................................................................................................................... Wilmerding ................. PA

Sovereign Bank, FSB ............................................................................................................................................ Wyomissing ............... PA

Beckley Federal Savings Bank ............................................................................................................................. Beckley ...................... WV

Peoples Bank of Bluewell ...................................................................................................................................... Bluewell ..................... WV

One Valley Bank, N.A. .......................................................................................................................................... Charleston ................. WV

Hancock County Savings Bank, FSB .................................................................................................................... Chester ...................... WV

Citizens National Bank of Elkins ........................................................................................................................... Elkins ......................... WV

National Bank of West Virginia ............................................................................................................................. Morgantown ............... WV

First West Virginia Bank, N.A. ............................................................................................................................... Wheeling .................... WV

Federal Home Loan Bank of Atlanta—District 4, Post Office Box 105565, Atlanta, Georgia 30348

SouthTrust Bank of Alabama, N.A. ....................................................................................................................... Birmingham ................ AL

Jacobs Bank .......................................................................................................................................................... Scottsboro .................. AL

Pointe Federal Savings Boca ................................................................................................................................ Raton ......................... FL

Compass Bank ...................................................................................................................................................... Jacksonville ............... FL

Interamerican Bank, FSB ...................................................................................................................................... Miami ......................... FL

First National Bank of Naples ............................................................................................................................... Naples ........................ FL

Bayside Federal Savings & Loan Association ...................................................................................................... Port Charlotte ............ FL

Seaboard Savings Bank, FSB ............................................................................................................................... Stuart ......................... FL

Bankers First Savings Bank, FSB ......................................................................................................................... Augusta ...................... GA
Federal Register / Vol. 60, No. 9 / Friday, January 13, 1995 / Notices 3223

Member City State

Bainbridge National Bank ...................................................................................................................................... Bainbridge .................. GA

First Federal Savings Bank of Brunswick ............................................................................................................. Brunswick .................. GA

West Georgia National Bank ................................................................................................................................. Carrollton ................... GA

First South Bank of Coweta County, N.A ............................................................................................................. Newman ..................... GA

Quitman Federal Savings & Loan Association ..................................................................................................... Quitman ..................... GA

Vidalia Federal Savings and Loan Association ..................................................................................................... Vidalia ........................ GA

Arundel Federal Savings Bank .............................................................................................................................. Baltimore .................... MD

Atlantic Federal Savings Bank .............................................................................................................................. Baltimore .................... MD

Golden Prague Federal S&L Association ............................................................................................................. Baltimore .................... MD

Hopkins Federal Savings Bank ............................................................................................................................. Baltimore .................... MD

Madison Square Federal Savings Bank ................................................................................................................ Baltimore .................... MD

Sequoia Federal Savings Bank ............................................................................................................................. Bethesda .................... MD

Patapsco Federal Savings & Loan ........................................................................................................................ Dundalk ...................... MD

Farmers & Mechanics National Bank .................................................................................................................... Frederick .................... MD

Columbian Bank, FSB ........................................................................................................................................... Havre de Grace ......... MD

Suburban Federal Savings Bank .......................................................................................................................... Landover Hills ............ MD

Heritage Savings Bank, FSB ................................................................................................................................. Lutherville .................. MD

Odenton Federal Savings & Loan Association ..................................................................................................... Odenton ..................... MD

Tri-County Federal Savings Bank of Waldorf ....................................................................................................... Waldorf ...................... MD

Washington Savings Bank, FSB ........................................................................................................................... Waldorf ...................... MD

Community Savings Bank, SSB ............................................................................................................................ Burlington ................... NC

First State Savings Bank, SSB ............................................................................................................................. Burlington ................... NC

Cherryville Federal S&L Association ..................................................................................................................... Cherryville .................. NC

Citizens Savings Inc., SSB .................................................................................................................................... Concord ..................... NC

First Federal Savings Bank ................................................................................................................................... Dunn .......................... NC

Home Federal Savings and Loan ......................................................................................................................... Fayetteville ................. NC

Hillsborough Savings Bank, SSB .......................................................................................................................... Hillsborough ............... NC

First FS&LA of Lincolnton ..................................................................................................................................... Lincolnton .................. NC

Richmond Savings Bank, SSB .............................................................................................................................. Rockingham ............... NC

Home Savings, SSB .............................................................................................................................................. Thomasville ................ NC

Tryon Federal Savings and Loan Association ...................................................................................................... Tryon .......................... NC

Home Savings Bank, SSB .................................................................................................................................... Washington ................ NC

Abbeville Savings & Loan Association .................................................................................................................. Abbeville .................... SC

The Savings Bank of Beaufort County, FSB ........................................................................................................ Beaufort ..................... SC

First FS&LA of Cheraw ......................................................................................................................................... Cheraw ...................... SC

Citizens Building and Loan Association ................................................................................................................ Greer .......................... SC

Mutual Savings and Loan Association, FA ........................................................................................................... Hartsville .................... SC

Pee Dee Federal Savings Bank ............................................................................................................................ Marion ........................ SC

First FS&LA of Walterboro .................................................................................................................................... Walterboro ................. SC

Caroline Savings Bank .......................................................................................................................................... BowlingGreen ............ VA

First FS&LA of Martinsville .................................................................................................................................... Martinsville ................. VA

Federal Home Loan Bank of Cincinnati—District 5, Post Office Box 598 Cincinnati, Ohio 45201

Ashland Federal Savings and Loan Association .................................................................................................. Ashland ...................... KY

Home Federal Savings and Loan Association ...................................................................................................... Ashland ...................... KY

First American National Bank ................................................................................................................................ Bowling Green ........... KY

First National Bank of Columbia ........................................................................................................................... Columbia .................... KY

First National Bank & Trust Company of Corbin .................................................................................................. Corbin ........................ KY

Kentucky Federal Savings and Loan Association ................................................................................................. Covington ................... KY

Liberty National Bank of Northern Kentucky ......................................................................................................... Erlanger ..................... KY

Greensburg Deposit Bank & Trust Company ....................................................................................................... Greensburg ................ KY

Madisonville Building and Loan Association ......................................................................................................... Madisonville ............... KY

Owensboro National Bank ..................................................................................................................................... Owensboro ................ KY

Pikeville National Bank and Trust Company ......................................................................................................... Pikeville ...................... KY

Lincoln Federal Savings Bank ............................................................................................................................... Stanford ..................... KY

Commercial Bank .................................................................................................................................................. West Liberty ............... KY

Peoples Bank, N.A. ............................................................................................................................................... Ashtabula ................... OH

Citizens Federal Savings and Loan ...................................................................................................................... Bellefontaine .............. OH

Citizens Savings Bank ........................................................................................................................................... Canton ....................... OH

Castalia Banking Company ................................................................................................................................... Castalia ...................... OH

Mercer Savings Bank ............................................................................................................................................ Celina ......................... OH

The Cheviot Building and Loan Company ............................................................................................................ Cheviot ....................... OH

Bramble Federal Savings and Loan Association .................................................................................................. Cincinnati ................... OH

Cincinnati Federal Savings & Loan Association ................................................................................................... Cincinnati ................... OH

Deer Park Federal Savings & Loan Association ................................................................................................... Cincinnati ................... OH

Enterprise Federal S&L Association ..................................................................................................................... Cincinnati ................... OH

Seven Hills Savings Association ........................................................................................................................... Cincinnati ................... OH

Cuyahoga Savings Association ............................................................................................................................. Cleveland ................... OH

National City Bank, Cleveland ............................................................................................................................... Cleveland ................... OH

Ohio Savings Bank ................................................................................................................................................ Cleveland ................... OH

The Home Loan and Savings Company ............................................................................................................... Coshocton .................. OH

Covington Savings and Loan Association ............................................................................................................. Covington ................... OH

Citizens Federal Bank, FSB .................................................................................................................................. Dayton ....................... OH
3224 Federal Register / Vol. 60, No. 9 / Friday, January 13, 1995 / Notices

Member City State

Northern Savings and Loan Company .................................................................................................................. Elyria .......................... OH

Genoa Savings and Loan Company ..................................................................................................................... Genoa ........................ OH

Indian Village FS&LA ............................................................................................................................................ Gnadenhutten ............ OH

American Community Bank, N.A. .......................................................................................................................... Lima ........................... OH

Home Builders Association ................................................................................................................................... Lynchburg .................. OH

Mutual Federal Savings Bank of Miamisburg ....................................................................................................... Miamisburg ................ OH

Clermont Savings Bank ......................................................................................................................................... Milford ........................ OH

First National Bank of Pandora ............................................................................................................................. Pandora ..................... OH

Century Federal Savings Bank ............................................................................................................................. Parma ........................ OH

Farmers Bank and Saving Company .................................................................................................................... Pomeroy .................... OH

The Ravenna Savings Bank .................................................................................................................................. Ravenna .................... OH

People’s Savings Association ............................................................................................................................... Sharonville ................. OH

Capital Bank, N.A. ................................................................................................................................................. Sylvania ..................... OH

Versailles Savings and Loan Company ................................................................................................................ Versailles ................... OH

First Federal Savings and Loan Association ........................................................................................................ Wooster ..................... OH

Wayne Savings and Loan Company ..................................................................................................................... Wooster ..................... OH

Home Savings and Loan Company ...................................................................................................................... Youngstown ............... OH

Athens Federal Savings and Loan Association .................................................................................................... Athens ........................ TN

First National Bank & Trust Company .................................................................................................................. Athens ........................ TN

AmSouth Bank of Tennessee ............................................................................................................................... Chattanooga .............. TN

Lawrenceburg Federal S&L Association ............................................................................................................... Lawrenceburg ............ TN

Federal Home Loan Bank of Indianapolis—District 6, P.O. Box 60, Indianapolis, IN 46205–0060

Workingmens Federal Savings Bank .................................................................................................................... Bloomington ............... IN

Mutual Building and Loan Association .................................................................................................................. Franklin ...................... IN

Calumet National Bank .......................................................................................................................................... Hammond .................. IN

First FS&LA of Hammond ..................................................................................................................................... Hammond .................. IN

First Indiana Bank, a FSB ..................................................................................................................................... Indianapolis ................ IN

Kentland Federal Savings and Loan Association ................................................................................................. Kentland ..................... IN

Perpetual Federal Savings & Loan Association .................................................................................................... Lawrenceburg ............ IN

Citizens National Bank of Madison ....................................................................................................................... Madison ..................... IN

Mishawaka Federal Savings ................................................................................................................................. Mishawaka ................. IN

American National Bank and Trust Company ....................................................................................................... Muncie ....................... IN

First FS&LA of Peru .............................................................................................................................................. Peru ........................... IN

West End Federal Savings Bank .......................................................................................................................... Richmond ................... IN

Indiana Federal Bank for Savings ......................................................................................................................... Valparaiso .................. IN

Great Lakes Bancorp, a FSB ................................................................................................................................ Ann Arbor .................. MI

Mutual Savings Bank, FSB ................................................................................................................................... Bay City ..................... MI

First Federal of Michigan ....................................................................................................................................... Detroit ........................ MI

D&N Bank, a FSB ................................................................................................................................................. Hancock ..................... MI

Hastings Savings and Loan, FA ............................................................................................................................ Hastings ..................... MI

First National Bank of Iron Mountain .................................................................................................................... Iron Mountain ............. MI

Community First Bank ........................................................................................................................................... Lansing ...................... MI

Wolverine Federal Savings and Loan Association ............................................................................................... Midland ...................... MI

Sturgis Federal Savings Bank ............................................................................................................................... Sturgis ........................ MI

First Savings Bank ................................................................................................................................................ Three Rivers .............. MI

Standard Federal Savings Bank ........................................................................................................................... Troy ............................ MI

Federal Home Loan Bank of Chicago—District 7, 111 East Wacker Drive, Suite 700, Chicago, Illinois 60601

Chesterfield Federal Savings & Loan Association ................................................................................................ Chicago ...................... IL

First Cook Community Bank, FSB ........................................................................................................................ Chicago ...................... IL

Peoples Federal S&LA of Chicago ....................................................................................................................... Chicago ...................... IL

Second Federal Savings and Loan Association ................................................................................................... Chicago ...................... IL

Security Federal Savings & Loan Association of Chicago ................................................................................... Chicago ...................... IL

Southwest Federal S&LA Association of Chicago ................................................................................................ Chicago ...................... IL

Standard Federal Bank for Savings ...................................................................................................................... Chicago ...................... IL

Central Federal Savings and Loan Association .................................................................................................... Cicero ........................ IL

MidAmerica Federal Savings Bank ....................................................................................................................... Clarendon Hills .......... IL

DeWitt County Federal S&L Association .............................................................................................................. Clinton ........................ IL

First Federal Bank, FSB ........................................................................................................................................ Colchester .................. IL

Harvard Federal Savings & Loan Association ...................................................................................................... Harvard ...................... IL

Suburban Federal Savings Bank, FSB ................................................................................................................. Harvey ....................... IL

A.J. Smith Federal Savings Bank ......................................................................................................................... Midlothian .................. IL

Security Savings and Loan Association ................................................................................................................ Monmouth .................. IL

King City Federal Savings Bank ........................................................................................................................... Mt. Vernon ................. IL

Rantoul First Bank, s.b. ......................................................................................................................................... Rantoul ...................... IL

First Federal Savings Bank ................................................................................................................................... Rockford .................... IL

Amity Federal Bank for Savings ............................................................................................................................ Tinley Park ................. IL

Baraboo Federal Bank, FSB ................................................................................................................................. Baraboo ..................... WI

Cumberland Federal Bank, FSB ........................................................................................................................... Cumberland ............... WI

East Wisconsin Savings and Loan Association .................................................................................................... Kaukauna ................... WI

Columbia Savings and Loan Association .............................................................................................................. Milwaukee .................. WI
Federal Register / Vol. 60, No. 9 / Friday, January 13, 1995 / Notices 3225

Member City State

Reliance Savings Bank ......................................................................................................................................... Milwaukee .................. WI

St. Francis Bank, F.S.B. ........................................................................................................................................ Milwaukee .................. WI

State Bank of Mt. Horeb ........................................................................................................................................ Mount Horeb .............. WI

Marquette Savings Bank, SA ................................................................................................................................ West Allis ................... WI

KeySavings Bank, SA ........................................................................................................................................... Wisconsin Rapids ...... WI

Federal Home Loan Bank of Des Moines—District 8, 907 Walnut Street, Des Moines, Iowa 50309

First Federal Savings Bank ................................................................................................................................... Carroll ........................ IA

Citizens Federal Savings Bank ............................................................................................................................. Davenport .................. IA

Iowa Savings Bank, FSB ....................................................................................................................................... Des Moines ................ IA

Midland Savings Bank, FSB .................................................................................................................................. Des Moines ................ IA

Washington FS&LA ............................................................................................................................................... Washington ................ IA

First Federal, FSB ................................................................................................................................................. Hutchinson ................. MN

Norwest Bank Minnesota West, N.A ..................................................................................................................... Moorhead ................... MN

Home Federal Savings Bank ................................................................................................................................ Spring Valley ............. MN

Wells Federal Bank, A FSB .................................................................................................................................. Wells .......................... MN

Community First National Bank of Wheaton ......................................................................................................... Wheaton .................... MN

Worthington FS&LA ............................................................................................................................................... Worthington ............... MN

First Missouri National Bank ................................................................................................................................. Brookfield ................... MO

Investors Federal Bank & Savings Association .................................................................................................... Chillicothe .................. MO

Boone National Savings & Loan Association, FA ................................................................................................. Columbia .................... MO

Ozarks Federal Savings and Loan Association .................................................................................................... Farmington ................. MO

St. Francois County S&LA .................................................................................................................................... Farmington ................. MO

Hardin Savings Association ................................................................................................................................... Hardin ........................ MO

Kirksville Federal Savings Bank ............................................................................................................................ Kirksville ..................... MO

Macon Building and Loan Association .................................................................................................................. Macon ........................ MO

Quarry City Savings and Loan Association .......................................................................................................... Warrensburg .............. MO

Metropolitan Federal Bank, fsb ............................................................................................................................. Fargo ......................... ND

Norwest Bank North Dakota, N.A. ........................................................................................................................ Fargo ......................... ND

Home Federal Savings Bank ................................................................................................................................ Sioux Falls ................. SD

Federal Home Loan Bank of Dallas—District 9, 5605 North MacArthur Boulevard, 9th Floor, Dallas/Forth Worth, Texas 75261–9026

First Financial Bank, fsb ........................................................................................................................................ El Dorado ................... AR

Fordyce Bank and Trust Company ....................................................................................................................... Fordyce ...................... AR

Forrest City Savings & Loan Association .............................................................................................................. Forrest City ................ AR

City National Bank of Fort Smith ........................................................................................................................... Fort Smith .................. AR

Pine Bluff National Bank ....................................................................................................................................... Pine Bluff ................... AR

Federal Savings Bank ........................................................................................................................................... Rogers ....................... AR

First National Bank and Trust Company ............................................................................................................... Rogers ....................... AR

First National Bank ................................................................................................................................................ Siloam Springs .......... AR

St. Tammany Homestead Association .................................................................................................................. Covington ................... LA

Teche Federal Savings Bank ................................................................................................................................ Franklin ...................... LA

Florida Parishes Homestead Association ............................................................................................................. Hammond .................. LA

LBA ........................................................................................................................................................................ Lafayette .................... LA

Mutual Savings and Loan Association .................................................................................................................. Metairie ...................... LA

Guaranty Savings and Homestead Association .................................................................................................... New Orleans .............. LA

Hibernia Homestead and Savings Association ..................................................................................................... New Orleans .............. LA

Ponchatoula Homestead Association .................................................................................................................... Ponchatoula ............... LA

Ruston Building and Loan Association ................................................................................................................. Ruston ....................... LA

Amory Federal Savings & Loan Association ......................................................................................................... Amory ........................ MS

Britton & Koontz First National Bank .................................................................................................................... Natchez ...................... MS

First Federal Bank for Savings .............................................................................................................................. Starkville .................... MS

The Bank of New Mexico ...................................................................................................................................... Albuquerque .............. NM

First Federal Savings & Loan ................................................................................................................................ Las Cruces ................ NM

First National Bank of Athens ............................................................................................................................... Athens ........................ TX

First National Bank of Bridgeport .......................................................................................................................... Bridgeport .................. TX

Beal Banc, S.A. ..................................................................................................................................................... Dallas ......................... TX

Mercantile Banc and Trust, A SA .......................................................................................................................... Dallas ......................... TX

Liberty Savings Association .................................................................................................................................. Houston ..................... TX

MetroBank, N.A. .................................................................................................................................................... Houston ..................... TX

Post Oak Bank ...................................................................................................................................................... Houston ..................... TX

Texas Capital Bank, N.A. ...................................................................................................................................... Houston ..................... TX

First Federal Savings and Loan Association ........................................................................................................ Littlefield ..................... TX

Bank of Livingston ................................................................................................................................................. Livingston ................... TX

Plains National Bank ............................................................................................................................................. Lubbock ..................... TX

Inter National Bank ................................................................................................................................................ McAllen ...................... TX

Mineola Federal Savings and Loan Association ................................................................................................... Mineola ...................... TX

Commercial National Bank in Nacagdoches ......................................................................................................... Nacagdoches ............. TX

Western National Bank .......................................................................................................................................... Odessa ...................... TX

Orange Savings and Loan Association ................................................................................................................. Orange ....................... TX

Fort Bend FS&LA of Rosenberg ........................................................................................................................... Rosenberg ................. TX

Kelly Field National Bank ...................................................................................................................................... San Antonio ............... TX
3226 Federal Register / Vol. 60, No. 9 / Friday, January 13, 1995 / Notices

Member City State

Smithville Savings and Loan Association ............................................................................................................. Smithville ................... TX

Sulphur Springs Savings & Loan Association ....................................................................................................... Sulphur Springs ......... TX

First National Bank in Bosque County .................................................................................................................. Valley Mills ................. TX

South Texas Savings Bank, FSB .......................................................................................................................... Victoria ....................... TX

Federal Home Loan Bank of Topeka—District 10, Post Office Box 176, Topeka, Kansas 66601

Del Norte Federal Savings & Loan Association .................................................................................................... Del Norte ................... CO

Centennial Savings Bank, FSB ............................................................................................................................. Durango ..................... CO

Park National Bank ................................................................................................................................................ Estes Park ................. CO

Home Savings Bank .............................................................................................................................................. Chanute ..................... KS

Landmark Federal Savings Bank .......................................................................................................................... Dodge City ................. KS

Gardner National Bank .......................................................................................................................................... Gardner ...................... KS

First Kansas Federal Savings Association ............................................................................................................ Osawatomie ............... KS

Custer Federal Savings and Loan Association ..................................................................................................... Broken Bow ............... NE

First National Bank and Trust Company ............................................................................................................... Broken Arrow ............. OK

First Bank Claremore, FSB ................................................................................................................................... Claremore .................. OK

American Bank and Trust ...................................................................................................................................... Edmond ..................... OK

Liberty Federal Savings Bank ............................................................................................................................... Enid ............................ OK

Fairview Savings and Loan Association ............................................................................................................... Fairview ..................... OK

First National Bank and Trust Company of Muskogee ......................................................................................... Muskogee .................. OK

Osage FS&LA of Pawhuska .................................................................................................................................. Pawhuska .................. OK

Stillwater FSB ........................................................................................................................................................ Stillwater .................... OK

Federal Home Loan Bank of San Francisco—District 11, 307 East Chapman Avenue, Orange, California 92666

Placer Savings Bank ............................................................................................................................................. Auburn ....................... CA

Great Western Bank .............................................................................................................................................. Chatsworth ................. CA

Enterprise Savings & Loan .................................................................................................................................... Compton .................... CA

Glendale Federal Bank, FSB ................................................................................................................................ Glendale .................... CA

Hawthorne Savings & Loan Association ............................................................................................................... Hawthorne ................. CA

Highland Federal Bank, a FSB ............................................................................................................................. Los Angeles ............... CA

Downey Savings & Loan Association ................................................................................................................... Newport Beach .......... CA

Universal Bank, fsb ............................................................................................................................................... Orange ....................... CA

CenFed Bank, a FSB ............................................................................................................................................ Pasadena ................... CA

Provident Savings Bank, fsb ................................................................................................................................. Riverside .................... CA

Continental Savings of America, a FS&LA ........................................................................................................... San Francisco ............ CA

Pan American Savings Bank ................................................................................................................................. San Mateo ................. CA

New Horizons Savings & Loan Association .......................................................................................................... San Rafael ................. CA

National Bank of Southern California .................................................................................................................... Santa Ana .................. CA

Surety Federal Savings Bank ................................................................................................................................ Vallejo ........................ CA

Quaker City Federal Savings & Loan Association ................................................................................................ Whittier ....................... CA

Federal Home Loan Bank of Seattle—District 12, 1501 4th Avenue, Seattle, Washington 98101–1693

First Federal Bank of Idaho, FSB ......................................................................................................................... Lewiston ..................... ID

First FS&LA of Montana ........................................................................................................................................ Hamilton ..................... MT

Empire Federal Savings & Loan Association ........................................................................................................ Livingston ................... MT

Pioneer Bank, A FSB ............................................................................................................................................ Baker City .................. OR

Evergreen FS&LA .................................................................................................................................................. Grants Pass ............... OR

Klamath First Federal S&L Association ................................................................................................................ Klamath Falls ............. OR

Olympus Bank, A FSB .......................................................................................................................................... Salt Lake City ............ UT

Riverview Savings Bank, FSB ............................................................................................................................... Camas ....................... WA

Heritage Bank, A MSB .......................................................................................................................................... Olympia ...................... WA

Olympia Federal Savings & Loan Association ...................................................................................................... Olympia ...................... WA

First FS&LA of Port Angeles ................................................................................................................................. Port Angeles .............. WA

Metropolitan FS&LA of Seattle .............................................................................................................................. Seattle ........................ WA

Washington Mutual, A FSB ................................................................................................................................... Seattle ........................ WA

Yakima Federal Savings and Loan Association ................................................................................................... Yakima ....................... WA

American National Bank of Rock Springs ............................................................................................................. Rock Springs ............. WY

Tri-County Federal Savings Bank ......................................................................................................................... Torrington .................. WY

C. Due Dates

Members selected for review must

submit completed Community Support

Statements to their FHLBanks no later

than February 28, 1995.

All public comments concerning the

Community Support performance of

selected members must be submitted to

the members’ FHLBanks no later than

February 28, 1995.

D. Notice to Members Selected

Within 15 days of this Notice’s

publication in the Federal Register, the

individual FHLBanks will notify each

member selected to be reviewed that the

member has been selected and when the

member must return the completed

Community Support Statement. At that

time, the FHLBank will provide the

member with a Community Support

Statement form and written instructions

and will offer assistance to the member

in completing the Statement. The
Federal Register / Vol. 60, No. 9 / Friday, January 13, 1995 / Notices 3227

1The first two reports prepared by the Federal

Reserve Board were made pursuant to section 1215

of the Financial Institutions Reform, Recovery, and

Enforcement Act of 1989 (FIRREA). The third and

fourth reports were made pursuant to section 121

of the Federal Deposit Insurance Corporation

Improvement Act of 1991 (FDICIA), which

superseded section 1215 of FIRREA.

2At the federal level, the Federal Reserve System

has primary supervisory responsibility for statechartered banks that are members of the Federal

Reserve System as well as all bank holding

companies. The FDIC has primary responsibility for

state nonmember banks and FDIC-supervised

savings banks. National banks are supervised by the

OCC. The OTS has primary responsibility for

savings and loan associations.

FHLBank will only review Statements

for completeness, as the Finance Board

will conduct the actual review.

E. Notice to Public

At the same time that the FHLBank

members selected for review are notified

of their selection, each FHLBank will

also notify community groups and other

interested members of the public.

The purpose of this notification will

be to solicit public comment on the

Community Support records of the

FHLBank members pending review.

Any person wishing to submit written

comments on the Community Support

performance of a FHLBank member

under review in this quarter should

send those comments to the member’s

FHLBank by the due date indicated in

order to be considered in the review

process.

Date: January 9, 1995.

By the Federal Housing Finance Board.

Nicolas P. Retsinas,

HUD Secretary’s Designee to the Board.

[FR Doc. 95–887 Filed 1–12–95; 8:45 am]

BILLING CODE 6725–01–P

FEDERAL MARITIME COMMISSION

Ocean Freight Forwarder License;

Applicants

Notice is hereby given that the

following applicants have filed with the

Federal Maritime Commission

applications for licenses as ocean freight

forwarders pursuant to section 19 of the

Shipping Act of 1984 (46 U.S.C. app.

1718 and 46 CFR 510).

Persons knowing of any reason why

any of the following applicants should

not receive a license are requested to

contact the Office of Freight Forwarders,

Federal Maritime Commission,

Washington, DC 20573.

Aries Freight Systems, Inc., 16554 Air

Center Blvd., Bldg. C, Houston, TX

77032, Officers: John Daniel McIntyre,

Jr., CEO, Jeffrey Lee McIntyre,

President, Daniel Henry Fagerstrom,

Vice President

Skyway International Cargo, Inc., 28551

Southfield Road, Suite B, Lathrup

Village, MI 48076, Officers: Habib

Fakhouri, President, George

Majdalani, Vice President

Solano International, 347 Third Avenue,

Bellmawr, NJ 08031, Paula (A.K.A.

Penny) Solano, Sole Proprietor

Amerasa Rapid Transit USA Inc., dba

Focus 21 Forwarding, 1440 Broadway,

#606, Oakland, CA 94612, Officers:

Richard Eber, President, Bin Li,

Stockholder

Blue Sky, Blue Sea Company dba

International Shipping Company

(USA), 169 Frelinghuysen Avenue,

Newark, NJ 07114, Officers: Ali

Aelaei, President, Asad Ferasat, Vice

President

Sunway International, Inc., 2531

Ambling Circle, Crofton, MD 21114,

Officers: Qun Wu Yao, Vice President,

Bangxiong Zhou, Vice President

Overseas Express Services, 8901 S.

LaCienega Blvd., Suite 205A,

Inglewood, CA 90301, Abdulrazak

Morgan Farah, Sole Proprietor

Blue Sky Blue Sea, Inc. dba

International Shipping Company,

Cargo Building 68, JFK International

Airport, Jamaica, NY 11430, Officers:

Asad Ferasat, President, Vahe

Mekertichian, Vice President

L.A. Matrix, Inc., 20815 S. Belshaw,

Carson, CA 90749, Officers: Douglas

Cruikshank, Co-President, Ronald S.

Cruse, Co-President

Bay Area Matrix, Inc., 14072 Catalina

Street, San Leandro, CA 94577,

Officers: Douglas Cruikshank, CoPresident, Ronald S. Cruse, Treasurer

Dated: January 10, 1995.

By the Federal Maritime Commission.

Joseph C. Polking,

Secretary.

[FR Doc. 95–959 Filed 1–12–95; 8:45 am]

BILLING CODE 6730–01–M

FEDERAL RESERVE SYSTEM

Report to Congressional Committees

Regarding Differences in Capital and

Accounting Standards Among the

Federal Banking and Thrift Agencies

AGENCY: Board of Governors of the

Federal Reserve System.

ACTION: Notice.

SUMMARY: This report to the Committee

on Banking, Housing, and Urban Affairs

of the United States Senate and to the

Committee on Banking, Finance and

Urban Affairs of the United States

House of Representatives has been

prepared by the Federal Reserve Board

pursuant to section 121 of the Federal

Deposit Insurance Corporation

Improvement Act of 1991. Section 121

requires each Federal banking and thrift

agency to report annually to the above

specified Congressional Committees

regarding any differences between the

accounting or capital standards used by

such agency and the accounting or

capital standards used by other banking

and thrift agencies. The report must also

contain an explanation of the reasons

for any discrepancy in such accounting

or capital standards.

FOR FURTHER INFORMATION CONTACT:

Rhoger H Pugh, Assistant Director (202)/

728–5883), Norah M. Barger, Manager

(202/452–2402), Gerald A. Edwards, Jr.,

Assistant Director (202/452–2741),

Robert Motyka, Supervisory Financial

Analyst (202/452–3621), Nancy J.

Rawlings, Senior Financial Analyst

(202/452–3059), Division of Banking

Supervision and Regulation, Board of

Governors of the Federal Reserve

System. For the hearing impaired only,

Telecommunication Device for the Deaf

(TDD), Dorothea Thompson (202/452–

3544), Board of Governors of the Federal

Reserve System, 20th & C Street, N.W.,

Washington, D.C. 20551.

Introduction and Overview

This is the fifth annual report 1 on the

differences in capital standards and

accounting practices that currently exist

among the three banking agencies (the

Board of Governors of the Federal

Reserve System (FRB), the Office of the

Comptroller of the Currency (OCC), and

the Federal Deposit Insurance

Corporation (FDIC)) and the Office of

Thrift Supervision (OTS).2 Section One

of the report focuses on differences in

the agencies’ capital standards; Section

Two discusses differences in accounting

standards. The remainder of this

introduction provides an overview of

the discussion contained in these

sections.

Capital Standards

As stated in the previous reports to

the Congress, the three bank regulatory

agencies have, for a number of years,

employed a common regulatory

framework that establishes minimum

capital adequacy ratios for commercial

banking organizations. In 1989, all three

banking agencies and the OTS adopted

a risk-based capital framework that was

based upon the international capital

accord (Basle Accord) developed by the

Basle Committee on Banking

Regulations and Supervisory Practices

(referred to as the Basle Supervisors’

Committee) and endorsed by the central

bank governors of the G–10 countries.

The risk-based capital framework

establishes minimum ratios of total and