[Appendix]
[Financing Vehicles and the Board of Governors of the federal Reserve]
[From the U.S. Government Printing Office, www.gpo.gov]



[[Page 1201]]

 
  FINANCING VEHICLES AND THE BOARD OF GOVERNORS OF THE FEDERAL RESERVE

    This chapter contains descriptions of and data on financing vehicles 
and the Board of Governors of the Federal Reserve listed below.

    --The Financing Corporation functions as a financing vehicle for the 
        FSLIC Resolution Fund. It operates under the supervision and 
        control of the Federal Housing Finance Board.

    --The Resolution Funding Corporation provided financing for the 
        Resolution Trust Corporation (RTC) and is subject to the general 
        oversight and direction of the Secretary of the Treasury.

    The Board of Governors of the Federal Reserve System's transactions 
are not included in the budget because of its unique status in the 
conduct of monetary policy. The Board provides data on its 
administrative budget on a calendar year basis, which is included here 
for information. Its budget schedules and statements are not subject to 
review by the President.


 
                           FINANCING VEHICLES

                          Financing Corporation

    The Financing Corporation (FICO) is a mixed-ownership government 
corporation, chartered by the Federal Home Loan Bank Board pursuant to 
the Federal Savings and Loan Insurance Corporation Recapitalization Act 
of 1987, as amended (the ``Act''). FICO's sole purpose was to function 
as a financing vehicle for the FSLIC Resolution Fund, formerly the 
Federal Savings and Loan Insurance Corporation (FSLIC). FICO operates 
under the supervision and control of the Federal Housing Finance Board 
(the ``Finance Board''). Pursuant to the Act, FICO was authorized to 
issue debentures, bonds and other obligations subject to limitations 
contained in the Act, the net proceeds of which were to be used solely 
to purchase capital certificates issued by the FSLIC Resolution Fund, or 
to refund any previously issued obligations. The Resolution Trust 
Corporation Refinancing, Restructuring, and Improvement Act of 1991 
terminated the FICO's borrowing authority.
    The Act provided formulas pursuant to which the Federal Home Loan 
Banks made capital contributions to FICO at the direction of the Finance 
Board for the purchase of FICO capital stock. FICO used the proceeds 
received from the sales of such capital stock to purchase non-interest 
bearing securities for deposit in a segregated account as required by 
the Act. The non-interest bearing securities held in the segregated 
account will be the primary source of repayment of the principal of the 
FICO obligations. Securities in the segregated account are kept separate 
from other FICO accounts and funds but are not specifically pledged as 
collateral for the payment of obligations. The primary source of payment 
of interest on the obligations is the receipt of assessments imposed on 
and collected from institutions' accounts which are insured by the Bank 
Insurance Fund (the ``BIF'') and the Savings Association Insurance Fund 
(the ``SAIF''). 

                             Balance Sheet (in millions of dollars)

-----------------------------------------------------------------------------------------------
Identification code   99-4033-0-3-373    2002 actual    2003 actual     2004 est.      2005 est.
-----------------------------------------------------------------------------------------------
    ASSETS:
      Investments in US securities:

1102    Segregated accounts investment, 
          net...........................       2,307          2,459
1206  Receivables, net..................          91
1801  Cash, cash equivalents............          66            281
1901  Other assets......................           9              8
                                        ------------ --------------  ------------  -------------
1999    Total assets....................       2,473          2,748
    LIABILITIES:
2202  Interest payable..................         157            235
2203  Debt..............................       8,150          8,151
2207  Other.............................          28             73
                                        ------------ --------------  ------------  -------------
2999    Total liabilities...............       8,335          8,459
    NET POSITION:
3100  FICO capital stock purchased by 
        FHLBanks........................         680            680
3300  Cumulative results of operations..       1,628          1,779
3300  FSLIC capital certificates........      -8,170         -8,170
                                        ------------ --------------  ------------  -------------
3999    Total net position..............      -5,862         -5,711
                                        ------------ --------------  ------------  -------------
4999  Total liabilities and net position       2,473          2,748
-----------------------------------------------------------------------------------------------
    Note: Consistent with Government-wide practice, information for 2004 
and 2005 was not required to be collected.

                                

                     Resolution Funding Corporation

    The Resolution Funding Corporation (the ``REFCORP'') is a mixed-
ownership government corporation established by Title V of the Financial 
Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA). The 
sole purpose of REFCORP was to provide financing for the Resolution 
Trust Corporation (the ``RTC''). Pursuant to FIRREA, REFCORP was 
authorized to issue debentures, bonds, and other obligations, subject to 
limitations contained in the Act and regulations established by the 
Thrift Depositor Protection Oversight Board. The proceeds of the debt 
(less any discount, plus any premium, net of issuance cost) were used 
solely to purchase nonredeemable capital certificates of the RTC or to 
refund any previously issued obligations.
    Until October 29, 1998, REFCORP was subject to the general oversight 
and direction of the Thrift Depositor Protection Oversight Board. At 
that time, the Oversight Board was abolished and its authority and 
duties were transferred to the Secretary of the Treasury. The day-to-day 
operations of REFCORP are under the management of a three-member 
Directorate comprised of the Director of the Office of Finance of the 
Federal Home Loan Banks and two members selected from among the 
presidents of the twelve Federal Home Loan Banks (``the FHLBanks''). 
Members of the Directorate serve without compensation, and REFCORP is 
not permitted to have any paid employees.
    FIRREA, as amended, and the regulations adopted by the Thrift 
Depositor Protection Oversight Board and the Secretary of the Treasury 
provide formulas pursuant to which the Federal Home Loan Banks made 
capital contributions to REFCORP's Principal Fund and continue to make 
interest payments on outstanding REFCORP obligations. FIRREA also 
provides that the U.S. Treasury cover any interest shortfall.

[[Page 1202]]

Funds designated for the Principal Funds were used to purchase zero-
coupon bonds. The zero-coupon bonds will be held in the Principal Fund 
and are the primary source of repayment of the principal of the 
obligations at maturity.

                             Balance Sheet (in millions of dollars)

-----------------------------------------------------------------------------------------------
Identification code   99-4029-0-3-373    2002 actual    2003 actual     2004 est.      2005 est.
-----------------------------------------------------------------------------------------------
    ASSETS:
      Investments in US securities:

1102    Principal fund account 
          investment, net...............       6,270          6,646
1206  Assessments receivable for 
        interest expense................         887            888
                                        ------------ --------------  ------------  -------------
1999    Total assets....................       7,157          7,534
    LIABILITIES:
2202  Accrued interest payable on long-
        term obligations................         886            888
2203  Debt..............................      30,059         30,058
                                        ------------ --------------  ------------  -------------
2999    Total liabilities...............      30,945         30,946
    NET POSITION:
3100  Nonvoting capital stock issued to 
        FHLBanks........................       2,513          2,513
3300  Cumulative results of operations..       3,928          4,304
3300  RTC nonredeemable capital 
        certificates....................     -31,286        -31,286
3300  Contributed capital--principal 
        fund assessments................       1,057          1,057
                                        ------------ --------------  ------------  -------------
3999    Total net position..............     -23,788        -23,412
                                        ------------ --------------  ------------  -------------
4999  Total liabilities and net position       7,157          7,534
-----------------------------------------------------------------------------------------------
    Note: Consistent with Government-wide practice, information for 2004 
and 2005 was not required to be collected.

                                


 
            BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM

               Program and Financing (in millions of dollars)

----------------------------------------------------------------------------
Identification code 99-4450-0-3-803      2002 actual   2003 est.   2004 est.
----------------------------------------------------------------------------

    Obligations by program activity:
09.01 Monetary and economic policy......         102         111         116
09.02 Services to financial institutions 
        and the public..................           5           5           6
09.03 Supervision and regulation of 
        financial institutions..........          96         105         110
09.04 System policy direction and 
        oversight.......................          38          41          43
                                           ---------   ---------  ----------
09.09   Subtotal: Board operating 
          expenses......................         241         262         275
09.10 Office of Inspector General 
        operating expenses..............           4           4           4
                                           ---------   ---------  ----------
10.00   Total new obligations...........         245         266         279
    Budgetary resources available for obligation:
22.00 New budget authority (gross)......         245         266         279
23.95 Total new obligations.............        -245        -266        -279
    New budget authority (gross), detail:
      Mandatory:

69.00   Offsetting collections (cash)...         245         266         279
    Change in obligated balances:
72.40 Obligated balance, start of year..          26          26          26
73.10 Total new obligations.............         245         266         279
73.20 Total outlays (gross).............        -245        -266        -279
74.40 Obligated balance, end of year....          26          26          26
    Outlays (gross), detail:
86.97 Outlays from new mandatory 
        authority.......................         229         251         264
86.98 Outlays from mandatory balances...          16          15          15
                                           ---------   ---------  ----------
87.00   Total outlays (gross)...........         245         266         279
    Offsets:
      Against gross budget authority and outlays:

88.40   Offsetting collections (cash) 
          from: Non-Federal sources.....        -245        -266        -279
    Net budget authority and outlays:
89.00 Budget authority..................
90.00 Outlays...........................
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    The figures presented may differ from other Board financial material 
because they are prepared in accordance with OMB guidelines which vary 
from the Board's budget and accounting procedures.

    The Federal Reserve System operates under the provisions of the 
Federal Reserve Act of 1913, as amended, and other acts of Congress.
    Program.--To carry out its responsibilities under the Act, the Board 
determines general monetary, credit, and operating policies for the 
System as a whole and formulates the rules and regulations necessary to 
carry out the purposes of the Federal Reserve Act. The Board's principal 
duties consist of exerting an influence over credit conditions and 
supervising the Federal Reserve banks and member banks.
    Financing.--Under the provisions of section 10 of the Federal 
Reserve Act, the Board of Governors levies upon the Federal Reserve 
banks, in proportion to their capital and surplus, an assessment 
sufficient to pay its estimated expenses. The Board, under the Act, 
determines and prescribes the manner in which its obligations are 
incurred and its expenses paid. Funds derived from assessments are 
deposited in the Federal Reserve Bank of Richmond, and the Act provides 
that such funds ``shall not be construed to be Government funds or 
appropriated moneys.'' No Government appropriation is required to 
support operations of the Board.
    The information presented pertains to Board operations only. 
Expenditures made on behalf of the Federal Reserve banks for production, 
issuance, retirement, and shipment of Federal Reserve notes are not 
included, since they are reimbursed in full by the Federal Reserve 
banks.

               Object Classification (in millions of dollars)

----------------------------------------------------------------------------
Identification code 99-4450-0-3-803      2003 actual   2004 est.   2005 est.
----------------------------------------------------------------------------

      Personnel compensation:

11.1    Full-time permanent.............         138         146         155
11.3    Other than full-time permanent..           3           3           3
11.5    Other personnel compensation....           2           2           2
                                           ---------   ---------  ----------
11.9      Total personnel compensation..         143         151         160
12.1  Civilian personnel benefits.......          25          27          28
21.0  Travel and transportation of 
        persons.........................           5           6           5
22.0  Transportation of things..........           1           2           2
23.3  Communications, utilities, and 
        miscellaneous charges...........           8           9           9
24.0  Printing and reproduction.........           2           3           2
25.1  Advisory and assistance services..           5           5           5
25.2  Other services....................           4           4           4
25.2  Other services....................          23          26          35
26.0  Supplies and materials............           9           9           9
31.0  Equipment.........................          20          24          20
                                           ---------   ---------  ----------
99.0      Reimbursable obligations......         245         266         279
                                           ---------   ---------  ----------
99.9    Total new obligations...........         245         266         279
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