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80 per cent acquired banks agency American banking approval areas average number bank mergers bank-holding companies bank's stock banking business Banking Department banking facilities banking offices banking services banking system Board of Governors branch banking branch-banking laws Business Administration California capital cent of total cerned charter city banks clearinghouse competition Comptroller Concentration converted to branches corporation country banks DARTMOUTH COLLEGE dual system East North Central England FDIC Federal Deposit Insurance Federal Reserve System Group banking growth of branch Holding Company Act home-office cities Illinois increased independent banks interbank deposits Justice Department Limited loans member bank Middle Atlantic million Monetary monopoly Morrissey national banks noninsured nonmember Number of Banks number of branches number of commercial number of persons persons per banking population prohibit branch ratio regional School of Business South Dakota State-wide structure suburban tend tion total commercial-bank assets total deposits U. S. Government unit bank West South Central