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�౦��Ϸ����, the Federal Reserve Board and the Office of the Comptroller of the Currency have issued the host state loan-to-deposit ratios that the agencies will use to determine compliance with Section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994. Section 109 prohibits any bank from establishing or acquiring a branch outside of its home state primarily for the purpose of deposit production, and one test of compliance with the law involves a comparison of the bank's statewide loan-to-deposit ratio to the host state's loan-to-deposit ratio.

Attached are the press release issued jointly by the three agencies on September 3, 1999, and the host state loan-to-deposit ratios. This letter supercedes the previous one on the subject issued last year (FIL-88-98, dated August 17, 1998).

For more information, please contact Louise Kotoshirodo, Review Examiner in the �౦��Ϸ����'s Division of Compliance and Consumer Affairs, at (202) 942-3599.

Attachment:

Distribution: �౦��Ϸ����-Supervised Banks (Commercial and Savings) 

NOTE: Paper copies of �౦��Ϸ���� financial institutions letters may be obtained through the �౦��Ϸ����'s Public Information Center, 801 17th Street, NW, Room 100, Washington, DC 20434 (800-276-6003 or (703) 562-2200).