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agencies approval asked assets assistance package bad loans bailout bank failures bank's BankAmerica Bill Bill Seidman Bob Carswell called capital chairman Chase Chicago Citibank Citicorp closed COMAC Commonwealth Comptroller Congress Conover Continental Illinois Continental's Cooley Corporation deal Deposit Insurance depositors and creditors directors Doug Jones essential failed bank FDIC assistance FDIC board FDIC's Federal Reserve final Franklin National Bank funding handled holding company institutions insured depositors interest rates investors Isaac Jack Ryan July largest bank later liquidation loss meeting megabanks merger million National Bank negotiations Ogden Oklahoma City operations options Parsons participations Paul Volcker payoff Penn Square Penn Square Bank Pennsylvania percent president problem proposal purchase Regan regulators rescue Seafirst shareholders Skillern solution staff stockholders Swearingen talk tion told transaction Treasury uninsured Unity Volcker vote Wall Street Journal wanted Washington weeks York