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Y-Reports due to the Federal Reserve Bank of Boston during the third quarter 2005.
FEDERAL RESERVE BANK
OF BOSTON













P.O. BOX 55882

BOSTON,
MASSACHUSETTS
02205
















July 15, 2005


To: The Chief Executive Officer of the Bank Holding Company in the First Federal Reserve District

Re: 06/30/05 Y-Reports due to the Federal Reserve Bank of Boston during the third quarter 2005.


The following is a comprehensive list of Y-Reports that are due to this Reserve Bank during the third quarter
2005. Deadlines and Reserve Bank contact information is provided for each report. Please note that all Bank
Holding Companies file the FR Y-8 and FR Y-9C/FR Y-9LP or FR Y 9SP. With regard to the remaining
financial reports, please refer to the report instructions to determine if you must file them.

FR Y-6 - Annual Report of Bank Holding Companies

The filing deadline for the FR Y-6 for all bank holding companies with a fiscal year ending during the third
quarter of 2005 is 90 days after their specific fiscal year end date. If you have any questions concerning this
report, please contact JoanMarie Herlihy at (617) 973-2108.

FR Y-8 - Bank Holding Company Report of Insured Depository Institutions Section 23 Transactions with
Affiliates

The filing deadline for the FR Y-8 report is Monday, August 1, 2005. If you have any questions, please
contact Sheila Radville at (617) 973-3340.



FR Y-9C and the FR Y-9LP The Consolidated Statements for Bank Holding Companies and the Parent
Company Only Financial Statements for Large Bank Holding Companies with Total Consolidated Assets of
More than $150 Million.

The filing deadline for the FR Y-9C report is Tuesday, August 9, 2005 and the filing deadline for the FR Y-
9LP report is Monday, August 15, 2005. If you have any questions concerning these reports, please contact
Kelley Gardner at (617) 973-3421.

Bank holding companies filing FR Y-9 reports (FR Y-9C, FR Y-9LP, FR Y-9SP, FR Y-9ES) are required to submit
each report electronically. The Federal Reserve will no longer accept paper copies of these reports from bank
holding companies. Bank holding companies must maintain in their files a manually signed and attested printout of
the data submitted. The cover page of the Reserve Bank supplied report forms should be used to fulfill the signature
and attestation requirement and this page should be attached to the printout placed in the bank holding company's
files.

All respondents are now required to perform validation checks as part of the electronic submission process. This
Federal Reserve Bank previously issued a letter to you with information on this change to the report submission
process. This discussion is also included in Attachment 1 of this document. Further information may also be found
at the following website:
www.reportingandreserves.org
under the heading BHC Modernization project. For
example, see this website for information on guidelines for resolving edits and a document addressing frequently
asked questions (FAQ).



Letter to the Chief Executive Officer
July 15, 2005
Page 2

If you complete the preparation, editing, and review of your report(s) before the submission deadline, please file the
report(s) immediately rather than waiting. Early submission provides for additional time for your institution to
become accustomed with the new enhanced electronic submission process, and aids the Federal Reserve in the
editing, review, and analysis of the reports. If you later find that certain information needs to be revised, please
make the appropriate changes to your report and promptly submit the revised data.

On October 25, 2004, the Federal Reserve announced in the Federal Register the proposed reporting changes to FR
Y-9 series reports for 2005 that have been approved by the Board of Governors. This notice describing the changes
may also be found on the Federal Reserve Boards web site at
www.federalreserve.gov
under Reporting Forms
and then Information Collections Under Review. Changes to the FR Y-9C form and instructions were principally
made to: identify private equity merchant banking activity, identify firms providing auditing services to the BHC,
and to add a new item to the balance sheet to break out information related to trust preferred securities. In addition,
implementation of the accelerated 35-day deadline (defined as 30 calendar days plus 5 business days) for top-tier FR
Y-9C filers has been delayed until June 2006, and the FR Y-9LP filing deadline remains at 45 calendar days after
the report date.

Please note that implementation of the accelerated 35-day deadline (defined as 30 calendar days plus 5 business
days) for top-tier FR Y-9C filers has been delayed until June 2006, and the FR Y-9LP and FR Y-9SP filing deadline
remains at 45 calendar days after the report date. Also note that the FR Y-9C item identifying firms providing
auditing services to the BHC, initially collected in March 2005, is now completed only as of the December 31
st

report.

The Federal Reserve plans to propose the addition of three items to the September 30, 2005, FR Y-9C relating to
AICPA Statement of Position 03-3, Accounting for Certain Loans or Debt Securities Acquired in a Transfer, and the
reporting of purchased impaired loans. Also an item will be proposed to be added to the past due and nonaccrual
schedule to collect information on rebooked GNMA loans that have been repurchased or are eligible for repurchase.
These changes would be comparable to revisions that will be made to the June 30, 2005, commercial bank Call
Report. The proposed changes to the FR Y-9C should be published in the Federal Register shortly.

Bank holding companies should review the supplemental instructions (Attachment 1) for information concerning
accounting and reporting issues that may affect FR Y-9 reports. A summary of significant reporting revisions to the
reporting requirements is included in Attachment 2, and a summary listing of FR Y-9SP data edits that have changed
since December 31, 2004, is provided in Attachment 3.
.
FR Y-10 Report of Changes in Organizational Structure

As needed, submit to this Federal Reserve Bank within thirty calendar days of a reportable transaction
or event. If you have any questions concerning this report, please contact Andrea Severance at (617) 973-3043.



FR Y-11 - Financial Statements of U.S. Nonbank Subsidiaries of U.S. Bank Holding Companies
FR Y-11S - A<i>bbreviated Financial Statements of U.S. Nonbank Subsidiaries of U.S. Bank Holding Companies



The filing deadline for the FR Y-11/11s report is Monday Monday, August 29, 2005. Please review the filing
requirements listed in the report instructions, and inform this reserve banks contact if the filing requirements
for any non-bank subsidiaries has changed. If you have any questions concerning this report, please contact
Kelley Gardner at (617) 973-3421.



FR Y-12 Consolidated Bank Holding Company Report of Equity Investments in Nonfinancial Companies
If the institution has an equity portfolio, there is a strong likelihood that it should be filing the
FR Y-12. This report is required from all bank holding companies that directly or indirectly hold common
stock (in nonfinancial companies) that in aggregate equal or exceed the lesser of 5% of tier 1 capital or $200
million.

Letter to the Chief Executive Officer
July 15, 2005
Page 3


The filing deadline for the FR Y-12 report is Monday, August 15, 2005. If you have any questions
concerning this report, please contact Kelley Gardner at (617) 973-3421.

If you were using Fedline to submit bulk data files to this Reserve Bank, please note that Fedline no longer supports
bulk data transmission. As an alternative, you must file your reports via the internet using IESUB, the Federal
Reserves internet reporting mechanism. For additional information on electronic filing or for technical questions,
please contact Kelley Gardner at (617) 973-3421. For all other reports not required to be filed electronically, please
send to the Federal Reserve Bank of Boston; P.O. Box 55882; Boston, Massachusetts 02205; Attention: SSI Unit, 7
th

Floor.

Please be advised that this Reserve Bank does not mail out copies of the report forms and instructions. The report
forms and instructions are available on the Federal Reserve Boards web site at www.federalreserve.gov under
Reporting Forms.

All financial information will be made available to the public upon request without prior notice to the reporting
company. If any bank holding company is of the opinion that certain information warrants confidential treatment,
please refer to the instructions on Confidentiality contained in the specific series of the general instructions for
additional information.

Again, if you need any additional information on the reporting forms listed in this letter, please contact the
individual listed above under the specific report series. We appreciate your cooperation in providing us with this