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1988 open bank 1988 Recapitalization 1992 resolution 1992 transactions acquiring bank ALLL assess asset valuation Authorities Between 1987 Bancorporation of Texas bank holding companies bank regulators Bank Regulatory Structure bank's bridge bank authority City Bancorporation City banks City management City-Houston City's operating expenses closure Collecting Bank cost to BIF cross-guarantee provisions Deposit Insurance Corporation depository institutions dividends documentation due diligence examination reports Executive Director failed bank failure FDIC Board FDIC determines FDIC estimated FDIC officials FDIC'S FDICIA Federal Deposit Insurance FIRREA Houston and Dallas Houston bank income from nontraditional insolvent insurance fund investors lead bank least-cost lessons liquidation loan portfolio losses members of FRS million nontraditional sources occ examination occ officials occ's open assistance open bank assistance potential acquirers primary regulator projected provide open bank reports and workpapers resolution alternatives resolution decisions Resolution Trust Corporation resolve First City retained earnings shareholders subsidiary banks systemic risk troubled banks