Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 43

Week Ending October 28, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions October 22, 2006 to October 28, 2006

Banks, Nonmember, And Miscellaneous Institutions

E*TRADE Bank, Arlington, Virginia -- request for exemptions from section 23A of 

the Federal Reserve Act.

- Granted, October 23, 2006 

Board Operations

Division of Banking Supervision and Regulation -- appointment of Arthur W. Lindo 

as Deputy Associate Director and Robert T. Maahs as Assistant Director.

- Approved, October 26, 2006 

Enforcement

J.P. Morgan Chase & Co., New York, New York -- written agreement dated July 28, 

2003, terminated October 26, 2006.

- Announced, October 27, 2006 

Prineville Bancorporation, Prineville, Oregon, and Community First Bank -- written 

agreement dated December 20, 2004, terminated October 18, 2006.

- Announced, October 27, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
October 22, 2006 to October 28, 2006

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

The Colorado Bank and Trust Company of La Junta, La Junta, Colorado -- to 

establish a mobile branch to operate from the branch at 23051 East U.S. Highway 

50, Pueblo.

- Approved, October 26, 2006 

Kansas City

Comerica Bank, Detroit, Michigan -- to establish a branch at 4901 North Belt Line 

Road, Irving, Texas.

- Approved, October 26, 2006 

Secretary

East West Bank, Pasadena, California -- to establish a branch at 6032 Stevenson 

Boulevard, Fremont.

- Approved, October 27, 2006 

Secretary

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 9691 

Telegraph Road, Taylor.

- Approved, October 26, 2006 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 43710 Ford 

Road, Canton.

- Approved, October 26, 2006 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 4909 Laclede 

Avenue, St. Louis, Missouri.

- Approved, October 27, 2006 

Cleveland

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority October 22, 2006 to October 28, 2006

Bank Branches, Domestic

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 2419 Highway 

K, O'Fallon, Missouri.

- Approved, October 27, 2006 

Cleveland

Highlands Union Bank, Abingdon, Virginia -- to establish a branch at the 

intersection of Mountain Grove and Majestic Roads, Knoxville, Tennessee.

- Approved, October 25, 2006 

Richmond

HomeTown Bank, Roanoke, Virginia -- to establish a branch at 3521 Franklin Road.

- Approved, October 27, 2006 

Richmond

New Peoples Bank, Inc., Honaker, Virginia -- to establish a branch at the 

intersection of Highways 58 and 715, Ben Hur.

- Approved, October 23, 2006 

Richmond

Old Southern Bank, Clermont, Florida -- to establish a branch at 1460 East Highway 

50.

- Approved, October 24, 2006 

Atlanta

Bank Holding Companies

Banco Bilbao Vizcaya, Argentaria, S.A., Bilbao, Spain -- to acquire Texas Regional 

Bancshares, Inc., McAllen, Texas; Texas Regional Delaware, Inc., Wilmington, 

Delaware; and Texas State Bank, McAllen, Texas.

- Approved, October 23, 2006 

New York

C-B-G, Inc., West Liberty, Iowa -- relief from a commitment.

- Granted, October 25, 2006 

Director, BS&R

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority October 22, 2006 to October 28, 2006

Bank Holding Companies

Citizens First Corporation, Bowling Green, Kentucky -- to acquire Kentucky 

Banking Centers, Inc., Glasgow.

- Approved, October 25, 2006 

St. Louis

Cullen/Frost Bankers, Inc., San Antonio, Texas -- waiver of application to acquire 

Summit Bancshares, Inc., Fort Worth; Summit Delaware Financial Corporation, 

Wilmington, Delaware; and Summit Bank, National Association, Fort Worth, 

Texas; in connection with the merger of Summit Bank, National Association, and 

The Frost National Bank, San Antonio.

- Granted, October 25, 2006 

Secretary

First Community Bancorp, Rancho Santa Fe, California -- waiver of application to 

merge with Community Bancorp, Inc., Escondido, in connection with the merger of 

Community National Bank and First National Bank, Rancho Santa Fe.

- Granted, October 25, 2006 

San Francisco

New York Private Bank & Trust Corporation, New York, New York, Emigrant 

Bancorp, Inc., and Emigrant Bank -- to acquire EmigrantDirect Bank, Ossining, a de 

novo bank.

- Approved, October 26, 2006 

New York

Premier Commercial Bancorp, Anaheim, California -- to acquire at least 85.4 

percent of the shares of Premier Commercial Bank Arizona, N.A., Mesa, Arizona, a 

de novo bank.

- Approved, October 26, 2006 

San Francisco

United Community Banks, Inc., Blairsville, Georgia -- to merge with Southern 

Bancorp, Inc., Marietta, and thereby acquire Southern National Bank.

- Approved, October 25, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority October 22, 2006 to October 28, 2006

Competitive Factors Reports

American Banking Company, Moultrie, Georgia -- report on competitive factors of 

the proposed merger with Bank of Thomas County, Thomasville.

- Submitted, October 26, 2006 

Atlanta

Farmers State Bank, Maywood, Nebraska -- report on competitive factors of the 

proposed merger with Farmers State Bank, Big Springs, and thereby establishment 

of a branch.

- Submitted, October 24, 2006 

Kansas City

Hancock Bank of Alabama, Mobile, Alabama -- report on competitive factors of the 

proposed purchase of certain assets and assumption of deposit liabilities of the 

Mobile branch of Hancock Bank, Gulfport, Mississippi.

- Submitted, October 26, 2006 

Atlanta

State Bank of Cross Plains, Cross Plains, Wisconsin -- report on competitive factors 

of the proposed merger with Independent Bank, Verona.

- Submitted, October 23, 2006 

Chicago

State Bank of Waverly, Waverly, Iowa -- report on competitive factors of the 

proposed merger with Iowa Savings Bank, Dike.

- Submitted, October 23, 2006 

Chicago

Extensions Of Time

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga 

Springs, New York -- extension to January 28, 2007, to acquire additional shares of 

473 Broadway Holding Corporation and The Adirondack Trust Company.

- Granted, October 26, 2006 

New York

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority October 22, 2006 to October 28, 2006

Extensions Of Time

The Farmers State Bank of Fort Morgan Colorado Employee Stock Ownership Plan, 

Fort Morgan, Colorado -- extension to February 17, 2007, to acquire up to 38 

percent of the shares of F.S.B. Bancorporation of Fort Morgan, Colorado, parent of 

Farmers State Bank of Fort Morgan.

- Granted, October 25, 2006 

Kansas City

Great American Bank, De Soto, Kansas -- extension to April 12, 2007, to establish a 

branch at the intersection of Dean Avenue and Highway 58, Raymore, Missouri.

- Granted, October 25, 2006 

Kansas City

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to January 20, 

2007, to establish a branch at the intersection of 75th Avenue and Lower Buckeye 

Road, Phoenix, Arizona.

- Granted, October 24, 2006 

Chicago

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to January 20, 

2007, to establish a branch at 7860 32nd Street, Oakdale, Minnesota (formerly at 

34th Street North and Ideal Avenue North).

- Granted, October 24, 2006 

Chicago

Southwest Bank of St. Louis, St. Louis, Missouri -- extension to January 27, 2007, 

to establish a branch at the intersection of Winghaven Boulevard and Technology 

Drive, O'Fallon.

- Granted, October 24, 2006 

Chicago

Southwest Bank of St. Louis, St. Louis, Missouri -- extension to January 31, 2007, 

to establish a branch at the intersection of Highway K and Laura Hill Road, O'Fallon.

- Granted, October 27, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority October 22, 2006 to October 28, 2006

Financial Holding Companies

Employee Stock Ownership Plan NB&T Financial Group, Inc., Wilmington, Ohio -- 

election to become a financial holding company.

- Effective, October 26, 2006 

Cleveland

NB&T Financial Group, Inc., Wilmington, Ohio -- election to become a financial 

holding company.

- Effective, October 26, 2006 

Cleveland

Peoples Bancorp, Inc., Chestertown, Maryland -- election to become a financial 

holding company.

- Effective, October 26, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 6 of 6
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending October 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

4c8

11/13/2006

11/13/2006

Higher One, Inc., New Haven, Connecticut - to

become a bank holding company pursuant to

section 3(a)(1) of the BHC Act in connection

with the formation of Higher One Bank, New

Haven, Connecticut.

HIGHER ONE, INC

* Subject to the provisions of the Community Reinvestment Act
District: 1

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 2

Federal Reserve Bank of New York

Filings received during the week ending October 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Other Foreign Not available

Not applicable

Banco Santander International, Miami,

Florida, an indirectly held Edge Corporation of

Banco Santander Central Hispano, Madrid,

Spain, provided notice to the Board of

Governors of the Federal Reserve System of its

intention to establish a domestic branch in Los

Angeles, California.

BANCO SANTANDER

INTERNATIONAL

Newspaper:

Federal Register:

4c8 Not applicable

11/09/2006

Notice by Treetops Acquisition Group LP,

Treetops Acquisition Group II LP, Treetops

Acquisition Group Ltd., Treetops Acquisition

Group II Ltd., CAM Discount Ltd. all of

Georgetown, Grand Cayman, the Edgar M.

Bronfman Trusts A, B, C, D, E, F and G, all of

Montreal, Canada, Israel Discount Ltd, Tel

Aviv, Israel and Discount Bancorp, New York,

New York, ("Discount") for prior approval of

the Board of Governors to permit Discount to

acquire IDB Capital Corp, New York, New

York a Securities and Exchange

Commission-registered securities broker from

its FDIC-insured, state non-member bank

subsidiary Israel Discount Bank of New York,

New York, New York pursuant to Section

4(c)(8) of the Bank Holding Company Act and

Section 225.28(b)(7) of Regulation Y.

DISCOUNT BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

11/03/2006

Fort Orange Financial Corp. requests to

become a one-bank holding company, pursuant

to Section 3(a)1 of the BHC Act, and Section

225.15 of Regulation Y, by acquiring Capital

Bank & Trust Company, both of Albany, New

York.

FORT ORANGE FINANCIAL

CORPORATION

Newspaper:

Federal Register:

FBSEA

Not applicable

Export-Import Bank of Ukraine ("EXIM 09/18/2006

Bank")Kiev, Ukraine, to establish a

representative office in New York, New York,

pursuant to Section 10(a) of the International

Banking Act of 1978, as amended, and Section

211.24(a)(1) of Regulation K.

STATE EXPORT-IMPORT

BANK OF UKRAINE, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 2

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

910118 TIOGA ST BK, SPENCER, NEW YORK 02/27/2006 10/24/2006 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 3

Federal Reserve Bank of Philadelphia

Filings received during the week ending October 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

HNB Bancorp, Inc, Halifax, PA, to form a

bank holding company by acquiring 100% of

the voting shares of Halifax National Bank,

Halifax, PA, pursuant to Section 225.17 of

Regulation Y.

HNB BANCORP INC

* Subject to the provisions of the Community Reinvestment Act
District: 3

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 4

Federal Reserve Bank of Cleveland

Filings received during the week ending October 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 11/07/2006

branch at 28880 Lorain Road, North Olmstead,

OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 11/07/2006

branch at 1614 Washington Road, Upper St.

Clair, PA.

FIFTH THIRD BANK

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

National City Bank, and Ohio National

Corporation Trade Servies, Cleveland, Ohio, to

acquire National City Commercial Capital

Corporation, Cleveland, Ohio, pursuant to

section 211.9(f) of Regulation K

NATIONAL CITY BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

The State Bank and Trust Company, Defiance,

OH to establish a branch at 12832 Coldwater

Road, Fort Wayne, IN.

STATE BANK AND TRUST

COMPANY, THE

Newspaper:

Federal Register:

* 3A1 Not available

Not available

TriState Capital Holdings, Inc., Pittsburgh,

Pennsylvania, to acquire 100 percent of

TriState Capital Bank (in formation),

Pittsburgh, Pennsylvania, and thereby become

a bank holding comopany

TRISTATE CAPITAL

HOLDINGS, INC

* Subject to the provisions of the Community Reinvestment Act
District: 4

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 5

Federal Reserve Bank of Richmond

Filings received during the week ending October 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

First Charter Bank, Charlotte, North Carolina, 11/05/2006

proposes to establish a branch at 5500 Six

Forks Road, Raleigh, North Carolina.

FIRST CHARTER BANK

Newspaper:

Federal Register:

* Branch

Not applicable

First Sentinel Bank, Richlands, Virginia, 11/06/2006

proposes to establish a branch at 801 S.

College Avenue, Bluefield, Virginia.

FIRST SENTINEL BANK

Newspaper:

Federal Register:

* 3A5

* 3A3

11/13/2006

11/13/2006

Palmetto State Bankshares, Inc., Hampton,

South Carolina, to acquire 100% of the voting

securities of The Exchange Bankshares, Inc.,

Estill, South Carolina, and thereby indirectly

acquire The Exchange Bank, Estill, South

Carolina. Also, Palmetto State Bankshares,

Inc. to acquire 100% of the voting securities of

Carolina Commercial Bank, Allendale, South

Carolina.

PALMETTO STATE

BANKSHARES, INC.

Newspaper:

Federal Register:

* 3A3 11/18/2006

11/09/2006

TransCommunity Financial Corporation, Glen

Allen, Virginia, to acquire 100% of the voting

securities of Bank of Rockbridge, Lexington,

Virginia (in organization).

TRANSCOMMUNITY

FINANCIAL CORPORATION

* Subject to the provisions of the Community Reinvestment Act
District: 5

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 6

Federal Reserve Bank of Atlanta

Filings received during the week ending October 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Caja de Ahorros de Valencia, Castellon y

Alicante (Bancaja), Valencia, Spain, to covert

an international agency to a branch office in

Miami, Florida.

CAJA DE AHORROS DE

VALENCIA, CASTELLON Y

ALICANTE, BANCAJA

Newspaper:

Federal Register:

CIC Not available

Not available

Coastal Bankshares, Inc., Savannah, Georgia,

prior change in control notice filed by the CMJ

Interests, LP, Hinesville, Georgia (Charles M.

Jones and Caroly L. Jones), to acquire 29.6

percent of the outstanding shares of Coastal

Bankshares, Inc., and its subsidiary, The

Coastal Bank, both of Savannah, Georgia.

COASTAL BANKSHARES,

INC.

Newspaper:

Federal Register:

* 4c8 Not available

Not available

IBERIABANK Corporation, Lafayette,

Louisiana, to merge with Pocahontas Bancorp,

Inc. and its subsidiary, First Community Bank,

both of Jonesboro, Arkansas, and thereby

engage in operating a savings association.

IBERIABANK CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Orion Bank, Naples, Florida, to establish a 11/07/2006

branch located at 2150 Goodlette Road North,

1st Floor, Naples, Florida.

ORION BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

SouthEast Bancshares, Inc., to become a bank

holding company by acquiring 100 percent of

the outstanding shares of SouthEast Bank &

Trust, both of Athens, Tennessee.

SOUTHEAST BANCSHARES,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 11/06/2006

branches at the following locations: 2952 N.E.

8th Street, Homestead, Florida, to be known as

the Oasis Plaza Office; and 2400 West 60th

Street, Hialeah, Florida, to be known as El

Mercado Office.

SUNTRUST BANK

* Subject to the provisions of the Community Reinvestment Act
District: 6

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

732570 CUMBERLAND BK, FRANKLIN, TENNESSEE 06/26/2006 10/23/2006 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 7

Federal Reserve Bank of Chicago

Filings received during the week ending October 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 11/04/2006

11/03/2006

Bancorp Financial, Inc., Evergreen Park,

Illinois, to become a bank holding company by

acquiring 100 percent of the voting shares of

Evergreen Interim Bank (in organization),

Evergreen Park, Illinois.

BANCORP FINANCIAL, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Lenawee, Adrian, Michigan, to 10/23/2006

establish a branch facility to be located at 8

West Carleton Road, Hillsdale, Michigan.

BANK OF LENAWEE

Newspaper:

Federal Register:

* 3A3 Not available

11/27/2006

Bank of Montreal, Montreal, Canada, Harris

Financial Corp., Chicago, Illinois, and Harris

Bankcorp, Inc., Chicago, Illinois, to acquire

100 percent of the voting shares of First

National Bank & Trust, Kokomo, Indiana.

BANK OF MONTREAL

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 11/27/2006

Capitol Bancorp Ltd., Lansing, Michigan, to

indirectly acquire 51 percent of the voting

shares of Bank of Tacoma (in organization),

Tacoma, Washington, and Capitol

Development Bancorp Limited VI, Lansing,

Michigan, to become a bank holding company

by directly acquiring 51 percent of the voting

shares of Bank of Tacoma (in organization),

Tacoma, Washington.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 11/01/2006

three branch facilities to be located at: 1) 1503

Eldridge Parkway, Houston, Texas, 2) 8899

Katy Freeway, Houston, Texas, and 3) 10489

Briar Forest Drive, Houston, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 3025 El

Camino Real, Tustin, California.

COMERICA BANK

Newspaper:

Federal Register:

* 3A3 11/15/2006

11/16/2006

FBOP Corporation, Oak Park, Illinois, to

acquire 100 percent of the voting shares of

Bank USA, National Association, Phoenix,

Arizona. FBOP Corporation currently owns

100 percent of Bank USA, FSB, Phoenix,

Arizona, which is being converted into a

national bank, operating under the name of

Bank USA, National Association, Phoenix,

Arizona.

FBOP CORPORATION

Newspaper:

Federal Register:

* 3A3 11/15/2006

11/16/2006

FBOP Corporation, Oak Park, Illinois, to

acquire 100 percent of the voting shares of

Pacific National Bank, San Francisco,

California. FBOP Corporation currently owns

100 percent of California Savings Bank, San

Francisco, California, which is being converted

into a national bank, operating under the name

of Pacific National Bank, San Francisco,

California.

FBOP CORPORATION

* Subject to the provisions of the Community Reinvestment Act
District: 7

Federal Reserve Bank of Chicago

Filings received during the week ending October 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

10/25/2006

Great River Financial Group, Inc., Burlington,

Iowa, to operate a savings bank following the

conversion of its wholly-owned subsidiary,

Burlington Bank and Trust, Burlington, Iowa,

from a state chartered bank to a federal savings

bank.

GREAT RIVER FINANCIAL

GROUP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Johnson Bank, Racine, Wisconsin, to establish 09/21/2006

a branch facility to be located at 1740 Condor

Lane, Green Bay, Wisconsin.

JOHNSON BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Labe Bank, Chicago, Illinois, to merge with

Bloomingdale Bank and Trust, Bloomingdale,

Illinois, and thereby to establish 6 branches.

LABE BANK

Newspaper:

Federal Register:

* 3A5 11/06/2006

11/09/2006

Northstar Financial Group, Inc., Bad Axe,

Michigan, to acquire 100 percent of the voting

shares of Valley Financial Corp., Caro,

Michigan, and thereby indirectly acquire

Community Bank, Caro, Michigan.

NORTHSTAR FINANCIAL

GROUP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

11/17/2006

Petefish, Skiles Bancshares, Inc., Virginia,

Illinois, to acquire 100 percent of the voting

shares of Chandlerville Bancshares, Inc.,

Chandlerville, Illinois, and thereby indirectly

acquire Peoples State Bank of Chandlerville,

Chandlerville, Illinois.

PETEFISH, SKILES

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

PrivateBancorp, Inc., Chicago, Illinois, to

acquire 100 percent of the voting shares of The

PrivateBank, N.A. (in organization),

Milwaukee, Wisconsin.

PRIVATEBANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

11/27/2006

QCR Holdings, Inc., Moline, Illinois, to

acquire 100 percent of the voting shares of

Ridgeland Bancorp, Inc., Tony, Wisconsin,

and thereby indirectly acquire Farmers State

Bank, Ridgeland, Wisconsin.

QCR HOLDINGS, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 7

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

2519001 MICHIGAN HERITAGE BK, FARMINGTON HILLS, MICHIGAN 06/19/2006 10/18/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 8

Federal Reserve Bank of St. Louis

Filings received during the week ending October 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 11/13/2006

11/17/2006

Cabool State Bank Employee Stock Ownership

Plan, Cabool, Missouri, to become a bank

holding company by acquiring 25.45 percent of

Cabool Bancshares, Inc., Cabool, Missouri,

and thereby indirectly acquire Cabool State

Bank, Cabool, Missouri.

Cabool State Bank Employee

Stock Ownership Plan

Newspaper:

Federal Register:

CIC Not available

11/06/2006

Notice by the Pitchford Stock, L.P., Nashville,

Illinois, and Sheila R. Burcham, Nashville,

Illinois, as general partner, to gain control of

Community Bancshares, Inc., Irvington,

Illinois.

COMMUNITY BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A3 Not available

11/16/2006

DeWitt First Bankshares Corporation, DeWitt,

Arkansas, to acquire 100 percent of First

National Bank of Stuttgart, Stuttgart,

Arkansas.

DEWITT FIRST BANKSHARES

CORPORATION

Newspaper:

Federal Register:

CIC Not available

11/14/2006

Notice by William Harvey Bowen, Little Rock,

Arkansas, individually and as part of the

Blanchard Family Group to gain control of

First State Banking Corporation, Russellville,

Arkansas. The Blanchard Family Group

consists of Charles H. Blanchard and Cynthia

B. Blanchard of Russellville, Arkansas,

Charles B. Blanchard, Fayetteville, Arkansas,

Mary Patricia Blanchard Hardman and

William H. Bowen, of Little Rock, Arkansas,

and the Blanchard Family Living Trust, Janive

S. Blanchard, Trustee, North Little Rock,

Arkansas.

FIRST STATE BANKING CORP

* Subject to the provisions of the Community Reinvestment Act
District: 8

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 9

Federal Reserve Bank of Minneapolis

Filings received during the week ending October 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

11/27/2006

Charter Bankshares, Inc., Eau Claire,

Wisconsin, to become a bank holding company

by acquiring at least 90 percent of Charter

Bank Eau Claire, Eau Claire, Wisconsin.

CHARTER BANKSHARES,

INC.

Newspaper:

Federal Register:

CIC Not available

11/01/2006

Eric W. Hilgenberg Living Trust, Eric W.

Hilgenberg and Jennifer J. Hilgenberg, as

individuals and trustees, Rosemount,

Minnesota, Walter W. Hilgenberg, Prior Lake,

Minnesota, as a group acting in concert; and

Stuart A. Voigt, Apple Valley, Minnesota, as

an individual, to gain control of Commercial

Bancshares, Inc., Bloomington, Minnesota.

COMMERCIAL BANCSHARES,

INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Dacotah Bank, Aberdeen, South Dakota, 10/30/2006

proposes to purchase the assets and assume the

liabilities of the Brookings, South Dakota,

branch of BankFirst, Sioux Falls, South

Dakota, and incident thereto establish a branch

at 425 22nd Avenue South, Brookings, South

Dakota.

DACOTAH BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Change in control notice by Karen K. Zaun,

Saint Cloud, Minnesota, to acquire control of

Eden Valley Bancshares, Inc., Eden Valley,

Minnesota and thereby indirectly acquire

control of State Bank in Eden Valley, Eden

Valley, Minnesota.

EDEN VALLEY

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 Not available

11/17/2006

Frandsen Financial Corporation, Forest Lake,

Minnesota, to merge with Pine Bankshares,

Inc., Pine City, Minnesota, and thereby

indirectly acquire The First National Bank of

Pine City, Pine City, Minnesota.

FRANDSEN FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

11/09/2006

Heywood Bancshares, Inc., Northfield,

Minnesota, to become a bank holding company

by acquiring 100 percent of The First National

Bank of Northfield, Northfield, Minnesota.

Heywood Bancshares, Inc.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

John T. Vucurevich Foundation, Rapid City,

South Dakota, to become a bank holding

company by acquiring 100% of the voting

shares of United Bancorporation, Osseo,

Wisconsin, and Midwest Bancorporation,

Billings, Montana.

JOHN T. VUCUREVICH

FOUNDATION

Newspaper:

Federal Register:

CIC Not available

11/13/2006

Change in control notice by Edward Kent

Christian, Kiester, Minnesota, to acquire 25

percent or more of the shares of Kiester

Investments, Inc., Kiester, Minnesota and

thereby indirectly acquire control of First State

Bank of Kiester, Kiester, Minnesota.

KIESTER INVESTMENTS, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 9

Federal Reserve Bank of Minneapolis

Filings received during the week ending October 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/13/2006

Change in control notice by Jeffrey F.

Burzinski, Chaska, Minnesota, as an

individual, and as part of a group acting in

concert with Jeffrey J. Burzinski, Chaska,

Minnesota, Kathryn J. Burzinski, Chanhassen,

Minnesota, Elizabeth Burzinski, Chaska,

Minnesota, and Margene Burzinski, Chaska,

Minnesota to acquire control of Peregrine

Corporation, Chaska, Minnesota and thereby

indirectly acquire control of Community Bank

Corporation, Chaska, Minnesota.

PEREGRINE CORPORATION

Newspaper:

Federal Register:

* 3A5 Not available

11/09/2006

United Bancorporation, Osseo, Wisconsin, to

merge with Midwest Bancorporation, Billings,

Montana.

UNITED BANCORPORATION

* Subject to the provisions of the Community Reinvestment Act
District: 9

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

258351 PENINSULA BK OF ISHPEMING, ISHPEMING, MICHIGAN 07/10/2006 10/19/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 10

Federal Reserve Bank of Kansas City

Filings received during the week ending October 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Adbanc, Inc., Ogallala, Nebraska, to engage in

making, acquiring, brokering and servicing of

loans and other extensions of credit,

particularly secondary market real estate loans

through the acquisition of Auer Mortgage

Company, Inc., Colorado Springs, Colorado.

ADBANC, INC.

Newspaper:

Federal Register:

CIC 05/31/2006

11/16/2006

John H. Fowler and The Fowler Control

Group, which consists of John H. Fowler,

Topeka, Kansas; F. David Fowler and Bette J.

Fowler, both of Burlingame, Kansas; F. David

Fowler, Jr., Tyler, Texas; and Jean A. Watson,

McPherson, Kansas, to retain voting shares of

Burlingame Bankshares, Inc., and thereby

indirectly retain voting shares of The First

State Bank of Burlingame, both of Burlingame,

Kansas.

BURLINGAME BANKSHARES,

INC.

Newspaper:

Federal Register:

CIC 10/26/2006

11/01/2006

Notification by Jeffrey D. and Ruby L.

Johnson, both of Midwest City, Oklahoma, and

Jack L. and Linda J. Justice, both of Pauls

Valley, Oklahoma, to acquire control of

MidWest Community Financial Corporation,

Midwest City, Oklahoma, parent of Canute

Bancshares, Inc., Midwest City, Oklahoma,

which is the parent company of The First State

Bank of Canute, Canute, Oklahoma.

MIDWEST COMMUNITY

FINANCIAL CORPORATION

* Subject to the provisions of the Community Reinvestment Act
District: 10

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

440857 AMERICAS CMNTY BK, BLUE SPRINGS, MISSOURI 07/10/2006 10/11/2006 S Small Bank

576952 FIRST NE BK, VALLEY, NEBRASKA 07/17/2006 10/17/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 11

Federal Reserve Bank of Dallas

Filings received during the week ending October 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Olney Bancshares of Texas, Inc., Olney, Texas,

and Olney Bancorp of Delaware, Inc.,

Wilmington, Delaware, to acquire 100 percent

of InterBank, Inc., Sayre, Oklahoma, and

indirectly acquire InterBank, El City,

Oklahoma.

OLNEY BANCSHARES OF

TEXAS, INC.

Newspaper:

Federal Register:

* 3A5 11/15/2006

11/17/2006

Patriot Bancshares, Inc., Houston, Texas, to

acquire by merger 100 percent of Northeast

Bancshares, Inc., Mesquite, Texas, and

indirectly acquire Northeast

Bancshares-Delaware, Inc., Wilmington,

Delaware, and Northeast National Bank,

Mesquite, Texas.

PATRIOT BANCSHARES, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 11

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 12

Federal Reserve Bank of San Francisco

Filings received during the week ending October 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

1st Pacific Bancorp to become a bank holding

company by acquiring 100 percent of 1st

Pacific Bank of California, both of La Jolla,

California.

1st Pacific Bancorp

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Alta Alliance Bank, Oakland, California, to

establish a mobile branch courier service to

serve the counties of Contra Costa, Alameda,

and San Francisco, California.

ALTA ALLIANCE BANK

Newspaper:

Federal Register:

4c8 Not applicable

11/14/2006

Belvedere Capital Fund II L.P., and Belvedere

Capital Partners II LLC, both of San Francisco,

California, to acquire up to 11 percent of the

voting shares of BenefitStreet, Inc., San

Ramon, California, and thereby engage in

investment advisory services and providing

employee benefit consulting services, pursuant

to sections 225.28(b)(6)(1) and 225.28(b)(9)(ii)

of Regulation Y.

BELVEDERE CAPITAL FUND

II L.P.

Newspaper:

Federal Register:

* 3A1

* 3A3

10/30/2006

10/30/2006

1) Green Bancorp, Inc. to become a bank

holding company by acquiring 100 percent of

Redstone Bank, N.A., both of Houston, Texas;

2) Belvedere Texas Holdings L.P., San

Francisco, California to become a bank holding

company by acquiring 49 percent of Green

Bancorp, Inc., and thereby indirectly acquire

Redstone Bank, N.A., both of Houston, Texas;

and 3) Belvedere Capital Partners II, LLC, and

Belvedere Capital Fund II L.P., both of San

Francisco, California, to acquire up to 49

percent of Green Bancorp, Inc., and thereby

indirectly acquire Redstone Bank, N.A.,

Houston, Texas.

BELVEDERE CAPITAL

PARTNERS II LLC

Newspaper:

Federal Register:

* 3A1

* 3A5

11/20/2006

11/17/2006

1) First California Financial Group to become

a bank holding company by acquiring 100

percent of National Mercantile Bancorp, both

of Los Angeles, California, and thereby

indirectly acquire its subsidiary banks,

Mercantile National Bank, Los Angeles,

California, and South Bay Bank, N.A.,

Torrance, California; and 2) First California

Financial Group, Los Angeles, California, to

merge with FCB Bancorp, Camarillo,

California, and thereby indirectly acquire its

subsidiary bank, First California Bank,

Camarillo, California.

FIRST CALIFORNIA

FINANCIAL GROUP

Newspaper:

Federal Register:

* 3A1 09/27/2006

09/22/2006

NHB Holdings, Inc., Jacksonville, Florida, to

become a bank holding company by acquiring

100 percent of Volvo Commercial Credit Corp.

of Utah, which will be renamed Globility

Bank, Salt Lake City, Utah.

NHB HOLDINGS, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 12

Federal Reserve Bank of San Francisco

Filings received during the week ending October 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

11/14/2006

NHB Holdings, Inc., Jacksonville, Florida, to

engage indirectly de novo through its

acquisition of 50.1 percent of the voting shares

of a limited liability company to be formed, in

mortgage lending activities, pursuant to section

225.28(b)(1) of Regulation Y.

NHB HOLDINGS, INC.

Newspaper:

Federal Register:

* 3A1 11/04/2006

11/03/2006

West Valley Bancorp, Inc., to become a bank

holding company by acquiring 100 percent of

West Valley National Bank (In Organization),

both of Avondale, Arizona.

WEST VALLEY BANCORP,

INC.

* Subject to the provisions of the Community Reinvestment Act
District: 12

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act