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