text: 
  
  DROP TABLE IF EXISTS `state`;
  CREATE TABLE `state` (
    `id` int(10) NOT NULL AUTO_INCREMENT,
    `state` varchar(125) NOT NULL DEFAULT '',
    `state_code` char(2) NOT NULL DEFAULT '',
    PRIMARY KEY (`id`)
  ) ENGINE=InnoDB  DEFAULT CHARSET=utf8;
  
  DROP TABLE IF EXISTS `city`;
  CREATE TABLE `city` (
     `id` int(10) NOT NULL AUTO_INCREMENT,
    `city` varchar(50) NOT NULL,
    `state_code` char(2) NOT NULL,
    PRIMARY KEY (`id`),
    KEY `idx_state_code` (`state_code`)
  ) ENGINE=InnoDB  DEFAULT CHARSET=utf8;
  
  DROP TABLE IF EXISTS `bank_rate`;
  CREATE TABLE `bank_rate` (
    `id` int(10) NOT NULL AUTO_INCREMENT,
    `city_id` int(10) NOT NULL DEFAULT '0',
    `rate` int(10) NOT NULL DEFAULT '0',
    PRIMARY KEY (`id`),
    KEY city_id (`city_id`)
  ) ENGINE=InnoDB;