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This subset includes all commercial banks that are state-chartered and members of the Federal Reserve System. Commercial banks include all BIF-, SAIF-, and BIF/SAIF-Insured commercial banks and industrial banks. (Please note: Effective March 31, 2006, the FDIC merged the Bank Insurance Fund (BIF) and the Savings Association Insurance Fund (SAIF) into a new fund, the Deposit Insurance Fund (DIF). All institutions carrying BIF, SAIF, and BIF/SAIF insurance were transitioned to DIF accordingly.)