What constitutes the crime of making a false statement to a federally-insured institution?

It is a federal crime for anyone to willfully make a false statement to a federally-insured financial institution.  Before someone can be convicted of this crime, the prosecution must prove the following three things beyond a reasonable doubt:

1. That the accused knowingly made a false statement or report to the financial institution described in the indictment;
2. That the deposits of the institution were insured by the Federal Deposit Insurance Corporation; and
3. That the accused made the false statement or report willfully and with intent to influence the action of the institution upon an application, advance, commitment or loan, or any change or extension thereof.