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2005 Merger Decisions 1 (2005)

handle is hein.journals/mergerd2005 and id is 1 raw text is: 


                                MERGER DECISIONS

                          ANNUAL REPORT TO CONGRESS

                          Bank Merger Act Reporting Requirements
                       January 01, 2005 through December 31, 2005

All of the following Merger applications have been approved by the FDIC during the year 2005.
With regard to each of these applications, the FDIC considered and found favorably with respect
to the statutory factors involved, including the financial and managerial resources; future
prospects; convenience and needs of the community to be served; and the effectiveness of each
depository institution involved in the merger in combating money laundering activities.

The FDIC has requested reports regarding the competitive factors from the Attorney General and
other Federal banking agencies. The reports provided by the Attorney General and comments
received from the other Federal banking agencies indicated that the proposed transactions would
not have a significant adverse effect on competition.

In each case, the FDIC has determined: (1) that the transaction would not result in a monopoly
or further any combination or conspiracy to monopolize or to attempt to monopolize the business
of banking in any part of the United States; and (2) that the transaction would not have the effect
in any section of the country to substantially lessen competition or tend to create a monopoly or
in any other manner restrain trade, unless the anticompetitive effects of the transaction were
clearly outweighed in the public interest by the probable effect of transaction in meeting the
convenience and needs of the community to be served.

Note: Additional copies of this Report can be downloaded from the FDIC's Public Information
Center's web site at www.fdic.,ov/nublications/public/index.html

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