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Chapter Title

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Subtitle

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Sub-section Title

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Sub-section Title (Alternative)

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Bulleted list:

Numbered list:

  1. A strong title. An interesting link and some list body text.
  2. Another strong title. And another interesting link and some list body text; another link, and some list body text; and wait another link, and some more sublinks:
    1. Some sublink.
    2. Some sublink.
    3. Some sublink.
  3. And yet another strong title and yet another interesting link along with some more list body text.3

Icon list:

  • Federal Reserve Bank city Federal Reserve Bank city Federal Reserve Bank city
  • Federal Reserve Branch city Federal Reserve Branch city Federal Reserve Branch city
  • Board of Governors of the Federal Reserve System, Washington, D.C. Board of Governors of the Federal Reserve System, Washington, D.C. Board of Governors of the Federal Reserve System, Washington, D.C.
  • Branch boundary Branch boundary Branch boundary

Definition List (ie. Abbreviations):

ABS
Asset-backed securities
ACH
Automated clearinghouse
AIG
American International Group, Inc.
ASC
Accounting Standards Codification
ASU
Accounting Standards Update
BEP
Benefit Equalization Retirement Plan
Bureau
Bureau of Consumer Financial Protection
CDO
Collateralized debt obligation
CDS
Credit default swaps
CIP
Committee on Investment Performance (related to System Retirement Plan)
CMBS
Commercial mortgage-backed securities
FAM
Financial Accounting Manual for Federal Reserve Banks
FASB
Financial Accounting Standards Board
Fannie Mae
Federal National Mortgage Association
Freddie Mac
Federal Home Loan Mortgage Corporation
FOMC
Federal Open Market Committee
FRBA
Federal Reserve Bank of Atlanta
FRBC
Federal Reserve Bank of Cleveland
FRBNY
Federal Reserve Bank of New York
FRBSF
Federal Reserve Bank of San Francisco
GAAP
Accounting principles generally accepted in the United States of America
GSE
Government-sponsored enterprise
IMF
International Monetary Fund
JPMC
JPMorgan Chase & Co.
LLC
Limited liability company
MBS
Mortgage-backed securities
ML
Maiden Lane LLC
ML II
Maiden Lane II LLC
ML III
Maiden Lane III LLC
MTM
Mark-to-market
OFR
Office of Financial Research
RMBS
Residential mortgage-backed securities
SBA
Small Business Administration
SDR
Special drawing rights
SERP
Supplemental Retirement Plan for Select Officers of the Federal Reserve Banks
SOMA
System Open Market Account
STRIPS
Separate Trading of Registered Interest and Principal of Securities
TALF
Term Asset-Backed Securities Loan Facility
TBA
To be announced
TDF
Term Deposit Facility
TRS
Total return swap
VIE
Variable interest entity
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Panel Boxes
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Panel Box with all the elements
Box 1. Panel Box Title

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Figure 1. No Title
Accessible Version

Note: Some note goes here.

Source: Some accredited source.

Sub-section Title

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A Numbered List:

  1. A strong title. An interesting link and some list body text.
  2. Another strong title. And another interesting link outside the board External link and some list body text; another link, and some list body text; and wait another link, and some more sublinks:
    1. Some sublink.
    2. Some sublink.
    3. Some sublink.
  3. And yet another strong title and yet another interesting link along with some more list body text.

A Bulleted List:

An Icon List:

  • Federal Reserve Bank city Federal Reserve Bank city Federal Reserve Bank city
  • Federal Reserve Branch city Federal Reserve Branch city Federal Reserve Branch city
  • Board of Governors of the Federal Reserve System, Washington, D.C. Board of Governors of the Federal Reserve System, Washington, D.C. Board of Governors of the Federal Reserve System, Washington, D.C.
  • Branch boundary Branch boundary Branch boundary

Some body text goes here some body text goes here some body text goes here some body text goes here some body text goes here some body text goes here some body text goes here some body text goes here some body text goes here some body text goes here some body text goes here some body text goes here some body text goes here some body text goes here some body text goes here and an interesting link you want to click on.

1. For more information, see www.somewebsite.com. Return to text

2. For more information, see www.somewebsite.com. Return to text

Return to text
Simple Panel Box with 2-up display
Meeting Minutes
Meeting Held on
January 29-30, 2013
Meeting Held on
March 19-20, 2013
Meeting Held on
April 30-May 1, 2013
Meeting Held on
June 18-19, 2013
Meeting Held on
July 30-31, 2013
Meeting Held on
September 17-18, 2013
Meeting Held on
October 29-30, 2013
Meeting Held on
December 17-18, 2013
Letter Box Examples

March 12, 2014

Management's Report on Internal Control over Financial Reporting

To the Committee on Board Affairs:

INDEPENDENT AUDITORS' REPORT

To the Board of Governors of the Federal Reserve System:

We have audited the accompanying financial statements of the Board of Governors of the Federal Reserve System (the "Board"), which are comprised of the balance sheets as of December 31, 2013 and 2012, and the related statements of operations, and cash flows for the years then ended, and the related notes to the financial statements. We also have audited the Board's internal control over financial reporting as of December 31, 2013, based on criteria established in Internal Control--Integrated Framework (1992) issued by the Committee of Sponsoring Organizations of the Treadway Commission.

Management's Responsibility

The Board's management is responsible for the preparation and fair presentation of these financial statements in accordance with accounting principles generally accepted in the United States of America; this includes the design, implementation, and maintenance of internal control relevant to the preparation and fair presentation of financial statements that are free from material misstatement, whether due to fraud or error. The Board's management is also responsible for its assertion of the effectiveness of internal control over financial reporting, included in the accompanying Management's Assertion.

Donald V. Hammond Signature

Donald V. Hammond
Chief Operating Officer

William L. Mitchell Signature

William L. Mitchell
Chief Financial Officer

Figures
Figure 1. Full-width scalable image with title
Figure 1. Full-width scalable image with title
Accessible Version | Return to text

Source: Some accredited source.

Or a full-width scalable image with no title bar:

Figure 1. No Title
Accessible Version

Note: Some note goes here.

Source: Some accredited source.

Figures 1-5. Multiple related figures on a responsive grid (2-up mobile, 3-up tablet, 4-up desktop)
Figure 1
Accessible Version

Source: Some accredited source.

Figure 2
Accessible Version

Source: Some accredited source.

Figure 3
Accessible Version

Source: Some accredited source.

Figure 4
Accessible Version

Source: Some accredited source.

Figure 5
Accessible Version

Source: Some accredited source.

 
Figures 1-3. Multiple related figures on a responsive grid (2-up mobile, 3-up tablet/desktop)
Figure 1
Accessible Version

Source: Some accredited source.

Figure 2
Accessible Version

Source: Some accredited source.

Figure 3
Accessible Version

Source: Some accredited source.

Figures 1-3. Multiple related figures on a responsive grid (1-up mobile, 2-up tablet/desktop)
Figure 1
Accessible Version

Source: Some accredited source.

Figure 2
Accessible Version

Source: Some accredited source.

Figure 3
Accessible Version

Source: Some accredited source.

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Tables
Table 1. Responsive Table w/ Sticky Headers
Table Unit of measure (ie. Millions of dollars)
Table 4. Operating expenses of the Board of Governors, by account classification, 2013-14
Millions of dollars
Account classification 2013 budget 1 2013 actual Variance 2013 budget to 2013 actual 2014 budget Variance 2014 budget to 2013 actual
Amount Percent Amount Percent
Personnel services
Salaries 314.3 307.2 -7.1 -2.3 328.0 20.8 6.8
Retirement/thrift plans 43.3 40.2 -3.1 -7.1 42.2 2.0 4.9
Employee insurance 28.9 26.3 -2.6 -9.0 28.6 2.3 8.6
Subtotal, personnel services 386.5 373.7 -12.8 -3.3 398.7 25.0 6.7
 
Goods and services
Postage and shipping 0.7 0.3 -0.4 -62.9 0.5 0.3 107.7
Travel 14.2 13.7 -0.5 -3.2 15.1 1.4 9.8
Telecommunications 7.4 6.0 -1.5 -19.6 7.9 2.0 32.9
Printing and binding 2.4 1.5 -1.0 -39.6 2.2 0.7 49.0
Publications 0.6 0.5 -0.2 -25.0 0.6 0.2 42.2
Stationery and supplies 1.6 1.4 -0.2 -15.0 2.3 1.0 70.6
Software 12.1 11.4 -0.7 -5.7 17.1 5.7 49.9
Furniture and equipment 9.7 7.7 -2.0 -20.2 14.3 6.5 84.4
Rentals 12.8 12.4 -0.4 -3.0 16.2 3.7 30.1
Books and subscriptions 1.1 1.0 -0.1 -8.2 1.3 0.3 28.7
Utilities 3.9 3.3 -0.6 -14.9 3.6 0.3 8.7
Repairs and alterations bldg. 3.0 2.5 -0.6 -18.3 3.0 0.6 22.4
Repairs and maintenance F&E 2.9 3.4 0.5 17.2 3.3 -0.1 -3.2
Contingency processing center 1.3 1.3 0.0 -3.1 1.3 0.1 5.6
Contractual professional services 71.8 62.2 -9.6 -13.3 64.5 2.2 3.6
Interest expense * * * 0.0 0.0 * * -50.0
Tuition 4.9 3.9 -1.0 -20.2 5.1 1.2 29.9
Subsidies and contributions 0.8 0.7 -0.1 -10.0 0.8 0.1 9.7
Depreciation amortization 24.1 23.8 -0.4 -1.5 27.7 4.0 16.7
All other 2 -1.8 -2.6 -0.8 44.4 -1.3 1.3 -50.0
Subtotal, goods and services 173.5 154.2 -19.3 -11.1 185.5 31.2 20.2
Total, Board operations 559.9 527.9 -32.0 -5.7 584.2 56.3 10.7
 
Office of Inspector General
Personnel services 16.9 19.0 2.0 12.1 18.3 -0.7 -3.8
Goods and services 10.0 6.9 -3.1 -31.2 8.7 1.8 26.0
Total, OIG operations 26.9 25.8 -1.1 -4.1 26.9 1.1 4.3

1. 2013 budget figures do not reflect internal transfers between divisions during the year. Return to table

2. All other includes, among other items, income from outside agencies for data processing services, rental income, and transportation subsidy benefits for employees. Return to table

* Less than $500 thousand.

… Not applicable.

A Simple Responsive Table with No Headers
Expected cash flows:
Expected employer contributions - 2014 $ 240,788
 
Expected benefit payments: *
2014 $ 240,788
2015 $ 318,244
2016 $ 399,161
2017 $ 483,738
2018 $ 576,898
2019-2023 $ 4,398,804
Text Column Patterns
Single Column Blocks: 3-columns(desktop), 2-columns(tablet), full-width(mobile)
Boston

Kirk A. Sykes, Chair

William D. Nordhaus, Deputy Chair

Eric S. Rosengren, President

Kenneth C. Montgomery,
First Vice President

New York

Emily K. Rafferty, Chair

Kathryn S. Wylde, Deputy Chair

William C. Dudley, President

Christine M. Cumming,
First Vice President

Additional office at East Rutherford, NJ

Philadelphia

Jeremy Nowak, Chair

James E. Nevels, Deputy Chair

Charles I. Plosser, President

D. Blake Prichard,
First Vice President

Single Column Blocks: 2-columns(desktop/tablet), full-width(mobile)

Ben S. Bernanke
Chairman, Board of Governors

William C. Dudley
Vice Chairman, President, Federal Reserve Bank of New York

James Bullard
President, Federal Reserve Bank of St. Louis

Elizabeth Duke
Member, Board of Governors (through August 2013)

Charles L. Evans
President, Federal Reserve Bank of Chicago

Esther L. George
President, Federal Reserve Bank of Kansas City

Jerome H. Powell
Member, Board of Governors

Sarah Bloom Raskin
Member, Board of Governors

Eric Rosengren
President, Federal Reserve Bank of Boston

Jeremy C. Stein
Member, Board of Governors

Daniel K. Tarullo
Member, Board of Governors

Janet L. Yellen
Member, Board of Governors

Multiple Columns Blocks: 3-columns(desktop), 2-columns(tablet), full-width(mobile)
District 1

Joseph L. Hooley
Chairman, President, and Chief Executive Officer, State Street Corporation, Boston, MA

District 2

James P. Gorman
Chairman and Chief Executive Officer, Morgan Stanley, New York, NY

District 3

Bharat B. Masrani
President and Chief Executive Officer, TD Bank,
Cherry Hill, NJ

District 4

James E. Rohr
Chairman and Chief Executive Officer, The PNC Financial Services Group, Inc., Pittsburgh, PA

District 5

Kelly S. King
Chairman and Chief Executive Officer, BB&T Corporation,Winston-Salem, NC

District 6

Daryl G. Byrd
President and Chief Executive Officer, IBERIABANK Corporation, Lafayette, LA

District 7

David W. Nelms
Chairman and Chief Executive Officer, Discover Financial Services, Riverwoods, IL

District 8

D. Bryan Jordan
Chairman, President, and Chief Executive Officer, First Horizon National Corporation, Memphis, TN

District 9

Patrick J. Donovan
President and CEO, Bremer Financial Corporation, St. Paul, MN

District 10

Jonathan M. Kemper
Chairman and CEO, Commerce Bank, N.A. (Kansas City), Kansas City, MO

District 11

Richard W. Evans Jr.
Chairman and Chief Executive Officer, Cullen/Frost Bankers Inc., San Antonio, TX (resigned August 1, 2013)

District 12

J. Michael Shepherd
Chairman and Chief Executive Officer, Bank of the West and BancWest Corporation, San Francisco, CA

Statistical Tables
  1. Federal Reserve open market transactions, 2013
  2. Federal Reserve Bank holdings of U.S. Treasury and federal agency securities, December 31, 2011-2013
  3. Federal Reserve Bank interest rates on loans to depository institutions, December 31, 2013
  4. Reserve requirements of depository institutions, December 31, 2013
  5. Banking offices and banks affiliated with bank holding companies in the United States, December 31, 2012 and 2013
  6.  
    1. Reserves of depository institutions, Federal Reserve Bank credit, and related items, year-end 1984-2013 and month-end 2013
    2. Loans and other credit extensions, by type, year-end 1984-2013 and month-end 2013
    3. Reserves of depository institutions, Federal Reserve Bank credit, and related items, year-end 1918-1983
  7. Principal assets and liabilities of insured commercial banks, by class of bank, June 30, 2013 and 2012
  8. Initial margin requirements under Regulations T, U, and X
  9.  
    1. Statement of Condition of the Federal Reserve Banks, by Bank, December 31, 2013 and 2012
    2. Statement of Condition of the Federal Reserve Banks, December 31, 2013 and 2012 Supplemental information–collateral held against Federal Reserve notes: Federal Reserve agents’ accounts
  10. Income and expenses of the Federal Reserve Banks, by Bank, 2013
  11. Income and expenses of the Federal Reserve Banks, 1914-2013
  12. Operations in principal departments of the Federal Reserve Banks, 2010-13
  13. Number and annual salaries of officers and employees of the Federal Reserve Banks, December 31, 2013
  14. Acquisition costs and net book value of the premises of the Federal Reserve Banks and Branches, December 31, 2013
References

1. For more information, see www.somewebsite.com. Return to text

2. For more information, see www.somewebsite.com. Return to text

3. For more information, see www.somewebsite.com. Return to text

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