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action activities addition adopted affiliate agencies amended amount annual apply appropriate assets association authority bank holding company benefits Board of Directors Calhoun changes Code Commission Committee Comptroller connection considered contained Coolidge corporation December deposit depository described in paragraphs determined directors disclose disclosure effect Exchange Act executive officers extension of credit fact Federal Reserve filed fiscal foreign furnished income institution Instruction insured interest investment issued issuer Item Lance lending limit loans loss March material matter means meeting member bank Mercantile National Bank necessary obligations offering operations paragraph participation parties payment period person practices present principal prior proposed proxy purchase pursuant reason received record registrant regulation relationship request respect result rules security holders shareholders shares solicitation specified statement subsidiaries tion transactions United violations voting