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Annual Report of the Federal Deposit Insurance Corporation 1974 V

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Annual Report of the Federal Deposit Insurance Corporation 1974 V ANNUAL REPORT OF THE FEDERAL DEPOSIT INSURANCE CORPORATION 1974 V. Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis A preliminary report, highlighting the Corporation's operations during 1974, was published and submitted to the Congress on February 28, 1975. Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis LETTER OF TRANSMITTAL FEDERAL DEPOSIT INSURANCE CORPORATION Washington, D.C., August 15, 1975 SIRS: Pursuant to the provisions of section 17(a) of the Federal Deposit Insurance Act, the Federal Deposit Insurance Corporation is pleased to submit its annual report fo r the calendar year 1974. Respectfully yours, FRANK WILLE Chairman THE PRESIDENT OF THE SENATE THE SPEAKER OF THE HOUSE OF REPRESENTATIVES hi Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis FEDERAL DEPOSIT INSURANCE CORPORATION Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis FEDERAL DEPOSIT INSURANCE CORPORATION BOARD OF DIRECTORS Chairman............................................................................ Frank Wille D irector............................................................... George A. LeMaistre Comptroller of the Currency ..................................... James E. Smith OFFICIALS Deputy to the Chairman......................................... Robert E. Barnett Assistant to the Director ...................................John C.H. Miller, Jr. Assistan t to the Director .................................................... (Vacancy) (Comptroller of the Currency) Executive Secretary...................................................... Alan R. Miller General Counsel.................................................... Edward Bransilver Director, Division of Bank Supervision................. Edward J. Roddy Chief, Division of Liquidation ...................................George W. Hill Director, Division of Research.................................Paul M. Horvitz Controller...........................................................Edward F. Phelps, Jr. Director, Office of Management Systems and Financial Audits............................ Robert E. Barnett Special Assistant to the Chairman ......................Stephen C. Hansen Special Assistant to the Chairman ............................ Edwin B. Burr Special Assistant to the Director......................C. F. Muckenfuss, 111 Executive Assistant to the B o ard............... Timothy J. Reardon, Jr. December 31, 1974 Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis FEDERAL DEPOSIT INSURANCE CORPORATION REGIONS ’A ig M H i................... ....... REGIONAL DIRECTORS Atlanta Minneapolis Lewis C. Beasley Roger B. West 2 Peachtree St., N.W., Suite 3030 730 Second Avenue South, Suite 266 Atlanta, Georgia 30303 Minneapolis, Minnesota 55402 Boston New York Mark J. Laverick Claude C. Phillippe 2 Center Plaza, Room 810 345 Park Avenue, 21st Floor Boston, Massachusetts 02108 New York, New York 10022 Chicago Omaha James A. Davis Burton L. Blasingame 233 S. Wacker Drive, Suite 6116 1700 Farnam Street, Suite 1200 Chicago, Illinois 60606 Omaha, Nebraska 68102 Columbus Philadelphia John R. Curtis Charles E. Doster 37 West Broad Street, Suite 600 5 Penn Center Plaza, Suite 2901 Columbus, Ohio 43215 Philadelphia, Pennsylvania 19103 Dallas Richmond Quinton Thompson John Stathos 300 North Ervay Street, Suite 3300 908 E. Main Street, Suite 435 Dallas, Texas 75201 Richmond, Virginia 23219 Madison St. Louis Bernard J. McKeon Robert V. Shumway 1 South Pinckney Street, Room 813 720 Olive Street, Suite 2909 Madison, Wisconsin 53703 St. Louis, Missouri 63101 Memphis San Francisco Roy E. Jackson John J. Early 165 Madison Avenue, Suite 1010 44 Montgomery Street, Suite 3600 Memphis, Tennessee 38103 San Francisco, California 94104 December 31, 1974 FEDERAL DEPOSIT INSURANCE CORPORATION Main Office: 550 17th Street, N. W„ Washington, D. C., 204 29 VI Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis CONTENTS Banking offices— bank performance— 1974 ............................... xi Deposit insurance participation and coverage .......................... xm PART ONE OPERATIONS OF THE CORPORATION Deposit insurance disbursements ................................................ 3 Supervisory activities.................................................................... 8 Administration of the Corporation ............................................ 22 Finances of the Corporation ....................................................... 23 PART TWO MERGER DECISIONS OF THE CORPORATION Bank absorptions approved by the Corporation ...................... 33 Bank absorption denied by the Corporation ............................ 168 PART THREE LEGISLATION AND REGULATIONS Federal legislation (summary)— 1974 ......................................... 175 Rules and regulations of the Corporation (summary)— 1974 . 178 PART FOUR STATISTICS OF BANKS AND DEPOSIT INSURANCE Number of banks and branches .................................................. 184 Assets and liabilities of banks .................................................... 205 Income of insured banks ............................................................. 227 Banks closed because of financial difficulties; deposit insurance disbursements ............................................243 Maximum interest rates on time and savings deposits ............. 251 VII Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis TABLES DEPOSIT INSURANCE DISBURSEMENTS: 1. Protection of depositors of failed banks requiring disbursements by the Federal Deposit Insurance Corporation, 1934-1974 ............................ 6 2. Analysis of disbursements, recoveries, and losses in deposit insurance transactions, January 1, 1934-December 31, 1974 .............................. 7 3. Insured banks closed during 1974 requiring disbursements by the Fed­ eral Deposit Insurance C o rp o ra tio n .......................................................... 7 SUPERVISORY ACTIVITIES: 4. Bank examination activities of the Federal Deposit Insurance Corpora­ tion in 1973 and 1 9 7 4 .................................................................................. 11 5. Mergers, consolidations, acquisitions of assets and assumptions of liabil­ ities approved under section 18(c) of the Federal Deposit Insurance A ct during 1974 ........................................................................................... 14 6. Approvals under section 18(c) of the Federal Deposit Insurance Act during 1974— banks grouped by size and in States according to sta­ tus of branch banking .................................................................................. 15 7. Cease-and-desist orders and actions to correct specific unsafe or un­ sound practices or violations of law or regulations, 1974 ................... 16 8. Actions to terminate insured status of banks charged w ith unsafe or unsound banking practices or violations of law or regula­ tions, 1936-1974 ......................................................................................... 17 ADMINISTRATION OF THE CORPORATION: 9. Number of officers and employees of the Federal Deposit Insurance Corporation, December 31, 1973 and 1974 .......................................... 23 FINANCES OF THE CORPORATION: 10. Statement of financial condition, Federal Deposit Insurance Corpora­ tion, December 31, 1974 ............................................................................. 24 11. Statement of income and the deposit insurance fund, Federal Deposit Insurance Corporation, year ended December 31, 1974 ..................... 25 12. Determination and distribution of net assessment income, Federal Deposit Insurance Corporation, year ended December 31, 1974 .... 27 13. Sources and application of funds, Federal Deposit Insurance Corpora­ tion, year ended December 31, 1974 ........................................................ 27 14. Income and expenses, Federal Deposit Insurance Corporation, by year, from beginning of operations, September 11,1933, to December 31, 1974 ................................................................................................................ 28 15. Insured deposits and the deposit insurance fund, 1934-1974 ................... 30 VIII Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis NUMBER OF BANKS AND BRANCHES: Explanatory note .......................................................................................................184 101. Changes in number and classification of banks and branches in the United States (States and other areas) during 1974 ............................ 186 102. Changes in number o f commercial banks and branches in the United States (States and other areas) during 1974, by S ta te ....................... 188 103. Number of banking offices in the United States (States and other areas), December 31, 1974 Grouped according to insurance status and class of bank, and by State or area and type of office ........................................................ 190 104. Number and deposits of all commercial and mutual savings banks (States and other areas), December 31, 1974 Banks grouped by class and deposit siz e .......................................... 199 105. Number and deposits of all commercial banks in the United States (States and other areas), December 31, 1974 Banks grouped by deposit size and State
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