text: *Monetary Policy*
  
  Banks are affected by the credit policies of other monetary authorities, including the Federal Reserve Board, 
  that affect the national supply of credit. The Federal Reserve Board regulates the supply of credit in order to 
  influence general economic conditions, primarily through open market operations in United States government 
  obligations, varying the discount rate on financial institution borrowings, varying reserve requirements against 
  financial institution deposits, and restricting certain borrowings by financial institutions and their subsidiaries. The 
  monetary policies of the Federal Reserve Board have had a significant effect on the operating results of banks in the 
  past and are expected to continue to do so in the future. 