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The Quarterly Report
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accounting activities adjusted Annual Report average total assets balance sheet bank analysts bank holding companies bank showed bank's bankers basis borrowers California peer group capital adequacy capital policy capital ratio Chase Manhattan Corporation Citicorp comparisons Comptroller credit risk policy Currency customers debentures debt December 31 decline Deposit Insurance Corporation depositors dividends domestic earnings per share economic employees equity capital example expenses factors Federal Deposit Insurance Federal Reserve Board Federal Reserve System financial statements forecast important indicate industry interest rates international banks Introduce 1976 investment investors issue J. P. Morgan liabilities liquidity long-term market share measure Mellon million National Bank Nevertheless nonbank notes operations overall percent in 1976 period position profitability reflect regulation regulatory agencies represents Savings Bank securities transactions shareholders shown Source strategy subsidiaries Table tion U.S. Bancorp U.S. banks U.S. government United California Bank valuation XXX XX year-end York