Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 3 

Week Ending January 17, 2009

Board of Governors of the Federal Reserve System, Washington, DC 20551
Testimony and Statements

Troubled Asset Relief Program -- statement by Vice Chairman Kohn before the 

House Committee on Financial Services.

- Published, January 13, 2009

Bank Holding Companies

Allianz SE, Munich, Germany -- to retain its interest in The Hartford Financial 

Services Group, Inc., Hartford, Connecticut, and thereby acquire an indirect interest 

in Federal Trust Bank, a federal savings association, Sanford, Florida.

- Approved, January 13, 2009

The PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania -- commenter's 

request for reconsideration of the Board's approval of the application to acquire 

National City Corporation, Cleveland, Ohio, and its subsidiary bank, National City 

Bank.

- Denied, January 12, 2009

Protective Life Corporation, Birmingham, Alabama -- to become a bank holding 

company and to acquire Bonifay Holding Company, Inc., Bonifay, Florida, and its 

subsidiary bank, The Bank of Bonifay.

- Approved, January 15, 2009

Monetary and Financial Policy

Bank of America Corporation, Charlotte, North Carolina -- joint statement by the 

Board, Department of the Treasury, and Federal Deposit Insurance Corporation on an 

agreement with Bank of America to provide a package of guarantees, liquidity 

access, and capital.

- Announced, January 16, 2009

H.2 Board Actions January 11, 2009 to January 17, 2009

(A/C) = Addition or Correction Board - Page 1 of 2
Monetary and Financial Policy

Term Auction Facility -- TAF auction in the amount of $150 billion in 28-day credit 

on January 12, 2009.

- Announced, January 12, 2009

Regulations and Policies

Lending and Liquidity Facilities -- periodic report to Congress, required by the 

Emergency Economic Stabilization Act, on the outstanding lending facilities 

authorized under section 13(3) of the Federal Reserve Act.

- Approved, December 29, 2008

(A/C)

H.2 Board Actions January 11, 2009 to January 17, 2009

(A/C) = Addition or Correction Board - Page 2 of 2
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

January 11, 2009 to January 17, 2009

Bank Branches, Domestic

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 11281 Ulmerton 

Road, Largo, Florida.

Cleveland

- Approved, January 14, 2009

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

corner of Miramar Parkway and Flamingo Road, Miramar, Florida.

Cleveland

- Approved, January 14, 2009

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

corner of Woolbright Road and Jog Road, Boynton Beach, Florida.

Cleveland

- Approved, January 14, 2009

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 2051 East 

Laraway Road, New Lenox, Illinois.

Cleveland

- Approved, January 14, 2009

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 28 Orland 

Square Drive, Orland Park, Illinois.

Cleveland

- Approved, January 14, 2009

(A/C) = Addition or Correction Delegated - 1 of 7
Bank Branches, Domestic

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 275 South 

Weber Road, Romeoville, Illinois.

Cleveland

- Approved, January 14, 2009

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 2443 Ocoee 

Apopka Road, Ocoee, Florida.

Cleveland

- Approved, January 14, 2009

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 845 South 

Elmhurst Road, Des Plaines, Illinois.

Cleveland

- Approved, January 14, 2009

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 21403 Cicero 

Avenue, Matteson, Illinois.

Cleveland

- Approved, January 14, 2009

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

corner of Bee Ridge Road and Beneva Road, Sarasota, Florida.

Cleveland

- Withdrawn, January 15, 2009

H.2 Actions under delegated authority January 11, 2009 to January 17, 2009

(A/C) = Addition or Correction Delegated - 2 of 7
Bank Branches, Domestic

Union Bank and Trust Company, Bowling Green, Virginia -- to establish a branch at 

8983 Staples Mill Road, Richmond.

Richmond

- Approved, January 12, 2009

Bank Holding Companies

First Trust Corporation, New Orleans, Louisiana, and First Bank and Trust -- to 

acquire Globe Bancorp, Inc., Metairie, and its subsidiary, Globe Homestead Savings 

Bank, FSA, and thereby engage in operating a savings association.

Atlanta

- Approved, January 15, 2009

Freeport Bancshares, Inc., Freeport, Illinois -- to acquire Community 

Redevelopment, LLC, Freeport, and thereby engage in extending credit and servicing 

loans.

Chicago

- Withdrawn, January 16, 2009

Marion Bancshares, Inc., Marion, Texas -- to become a bank holding company and to 

acquire Marion State Bank, Marion.

Dallas

- Approved, January 12, 2009

Shinhan Bank America New York, New York -- waiver of application to acquire The 

Bank of Vernon, Vernon, Texas, in connection with the merger of the two banks and 

establishment of a branch in Dallas under Bank of Vernon's charter.

New York

- Granted, January 12, 2009

H.2 Actions under delegated authority January 11, 2009 to January 17, 2009

(A/C) = Addition or Correction Delegated - 3 of 7
Bank Holding Companies

Silvergate Capital Corporation, La Jolla, California -- to become a bank holding 

company on the conversion of Silvergate Bank, La Jolla, from an industrial bank to a 

commercial bank.

San Francisco

- Approved, January 14, 2009

SunSouth Bancshares, Inc., Dothan, Alabama -- relief from a commitment.

Atlanta

- Granted, January 15, 2009

Banks, Foreign

DekaBank Deutsche Girozentrale, Frankfurt am Main, Germany -- to establish a 

representative office in New York, New York.

Director, BS&R

- Approved, January 13, 2009

Banks, National

HSBC Bank USA, National Association, McLean, Virginia -- request for exemptions 

from section 23A of the Federal Reserve Act and Regulation W to acquire 

automobile loans, retail installment contracts, and certain credit card receivables and 

related securitization interests from several subsidiaries of its affiliate, HSBC 

Finance Corporation, Mettawa, Illinois.

Director, BS&R

- Granted, January 14, 2009

H.2 Actions under delegated authority January 11, 2009 to January 17, 2009

(A/C) = Addition or Correction Delegated - 4 of 7
Banks, Nonmember, and Miscellaneous Institutions

GE Money Bank, Salt Lake City, Utah -- request for an exemption from section 23A 

of the Federal Reserve Act and Regulation W to purchase consumer loan receivables 

from an affiliate, GE Consumer Finance, Inc., Stamford, Connecticut.

Director, BS&R

- Granted, January 12, 2009

Change in Bank Control

Community Pride Bank Corporation, Ham Lake, Minnesota -- change in bank control 

of Community Pride Bank Corporation and its subsidiary bank, Community Pride 

Bank, Isanti.

Minneapolis

- Permitted, January 16, 2009

FMB Banking Corporation, Monticello, Florida -- change in bank control of FMB 

Banking and its subsidiary bank, Farmers & Merchants Bank, Monticello. 

Atlanta

- Permitted, January 12, 2009

Extensions of Time

Grundy Bank, Morris, Illinois -- extension to April 27, 2009, to establish a branch at 

2650 East Division Street, Diamond.

Chicago

- Granted, January 13, 2009

H.2 Actions under delegated authority January 11, 2009 to January 17, 2009

(A/C) = Addition or Correction Delegated - 5 of 7
Extensions of Time

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to April 2, 2009, 

to establish branches at the corner of 135th Street and Fontana Avenue, Leawood, 

Kansas, and the corner of Rogers Drive and Commerce Boulevard, Rogers, 

Minnesota.

Chicago

- Granted, January 15, 2009

Mitsubishi UFJ Financial Group, Inc., Tokyo, Japan -- extension to January 6, 2011, 

to acquire shares of Morgan Stanley, New York, New York, and indirectly its 

subsidiaries, Morgan Stanley Capital Management LLC; Morgan Stanley Domestic 

Holdings, Inc.; and Morgan Stanley Bank, N.A., Salt Lake City, Utah; and to acquire 

an indirect interest in Morgan Stanley Trust, Jersey City, New Jersey, and Morgan 

Stanley Trust, N.A., Wilmington, Delaware.

San Francisco

- Granted, January 6, 2009

(A/C)

Old Line Bank, Bowie, Maryland -- extension to July 15, 2009, to establish a branch 

at 12100 Annapolis Road, Glenn Dale.

Richmond

- Granted, January 13, 2009

Reliance Bancorp, MHC (in formation), Altoona, Pennsylvania, and Reliance 

Bancorp, Inc. (in formation) -- extension to April 22, 2009, to become bank holding 

companies in connection with the reorganization of Reliance Savings Bank, Altoona, 

from a state-chartered mutual savings bank to a stock savings bank.

Philadelphia

- Granted, January 15, 2009

H.2 Actions under delegated authority January 11, 2009 to January 17, 2009

(A/C) = Addition or Correction Delegated - 6 of 7
Extensions of Time

The Citizens Bank of Edmond, Edmond, Oklahoma -- extension to April 19, 2009, to 

establish a branch at the southwest corner of Pennsylvania Avenue and 164th Street, 

Oklahoma City.

Kansas City

- Granted, January 16, 2009

Membership

Security Federal Savings Bank of McMinnville, McMinnville, Tennessee -- to 

become a member of the Federal Reserve System.

Atlanta

- Withdrawn, January 16, 2009

Regulations and Policies

Regulation CC (Availability of Funds and Collection of Checks) -- technical 

amendments to appendix A to reflect the restructuring of check processing operations 

in the Richmond and Atlanta Federal Reserve Districts.

Secretary

- Approved, January 16, 2009

H.2 Actions under delegated authority January 11, 2009 to January 17, 2009

(A/C) = Addition or Correction Delegated - 7 of 7
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending January 17, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5 Not available

Application by Independent Bank Corp., 

Rockland, MA to merge with Benjamin Franklin 

Bancorp, Inc.,and thereby acquire its subsidiary 

bank Benjamin Franklin Bank, both of Franklin, 

MA pursuant to sections 3(a)(3)/3(a)(5) of the 

BHC Act.

INDEPENDENT BANK CORP.

Newspaper:

Federal Register:

* 3A1 Not available

02/16/2009

Application by NewStar Financial, Inc., Boston, 

Massachusetts to become a bank holding 

company through the acquisition of 100% of the 

outstanding common stock of Southern 

Commerce Bank, National Association, Tampa, 

Florida, pursuant to section 3(a)(1) of the Bank 

Holding Company Act of 1956, as amended.

NEWSTAR FINANCIAL, 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 January 17, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Standard Chartered Bank, London, United 

Kingdom to establish a representative office in 

Houston, Texas.

STANDARD CHARTERED BANK

* 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

NONE

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 January 17, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 January 17, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 January 17, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Other Foreign Not applicable

Not applicable

Bank of America, National Association, 

Charlotte, North Carolina, to amend the articles 

of association for its wholly-owned Edge 

corporation subsidiary, Boston Overseas 

Financial Corporation, New York, New York.

BANK OF AMERICA, 

NATIONAL ASSOCIATION

Newspaper:

Federal Register:

* 4c8 02/05/2009

02/05/2009

FA Capital, LLC and Community Bank Investors 

of America, L.P., both located in Richmond, 

Virginia, to acquire up to 18.0% of the voting 

securities of Gateway Bank, FSB, San Francisco, 

California.

COMMUNITY BANK 

INVESTORS OF AMERICA, LP

Newspaper:

Federal Register:

* Branch

Not applicable

Gateway Bank & Trust Co., Elizabeth City, 01/27/2009

North Carolina, proposes to establish a branch 

at 4725 SW Cary Parkway, Cary, North Carolina.

GATEWAY BANK & TRUST CO.

* 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 January 17, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/30/2009

After-the-fact change in control notice filed by 

Marshall Truman Reynolds and Douglas 

Vernon Reynolds, both of Huntington, West 

Virginia, Samuel George Kapourales, 

Williamson, West Virginia, and Todd R. Fry, 

Barboursville, West Virginia, to collectively 

retain 6.64 percent of the outstanding shares of 

American Gateway Financial Corporation, Port 

Allen, Louisiana, and its subsidiary, American 

Gateway Bank, Baton Rouge, Louisiana. Total 

pro forma ownership is 16.57 percent.

AMERICAN GATEWAY 

FINANCIAL CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Prior change in control notice filed by David 

Weir Wood, II, Laura Halsey Wood, John 

Halsey Wood, David Weir Wood, III, Sidney 

Clapp Wood, Katherine Wood Hamilton, all of 

Birmingham, Alabama, and Susan Soule Wood, 

Pensacola, Florida, to collectively acquire 5.03 

percent of the outstanding shares of common 

stock of Capital South Bancorp, and its 

subsidiary CapitalSouth Bank, both of 

Birmingham, Alabama. Total pro forma 

ownership will equal 14.83.

CAPITALSOUTH BANCORP

Newspaper:

Federal Register:

CIC Not available

Not available

Prior change in control notice filed by Harold B. 

Dunn, Birmingham, Alabama, Harold Crockett 

Dunn,Salinas, California, and Rebecca Dunn 

Bryant, Fairhope, Alabama, to collectively 

acquire 1.77 percent of the outstanding shares 

of CapitalSouth Bancorp, and its subsidiary, 

CapitalSouth Bank, both of Birmingham, 

Alabama. Total pro forma ownership will equal 

11.53 percent.

CAPITALSOUTH BANCORP

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 01/25/2009

branch located at 6653 Jog Road, Boca Raton, 

Florida, to be known as the Clint Moore Road 

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

NONE

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 January 17, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

02/02/2009

City State Bancorporation, Inc., Central City, 

Iowa, to become a bank holding company by 

acquiring 51.3 percent of MSB Corporation, 

Central City, Iowa, and thereby indirectly 

control City State Bank, Central City, Iowa.

CITY STATE 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A1

4c8

01/26/2009

02/09/2009

Tygris Commercial Finance Group, Inc., 

Parsippany, New Jersey, to become a bank 

holding company by acquiring 100 percent of 

the voting shares of Texico Bancshares 

Corporation, Texico, Illinois, and thereby 

indirectly acquire Texico State Bank, Texico, 

Illinois, and to engage in permissible 

nonbanking activities through Tygris Vendor 

Finance, Inc., Parsippany, New Jersey, Tygris 

Asset Finance, Inc., Chicago, Illinois, Tygris 

Corporate Finance, Inc., Wilton, Connecticut, 

TAF Funding I, LLC, Chicago, Illinois, USXL 

Funding I, LLC, Parsippany, New Jersey, USXL 

Funding II, LLC, Parsippany, New Jersey, and 

Pro-Lease, Inc., Parsippany, New Jersey.

TYGRIS COMMERCIAL 

FINANCE GROUP, 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

NONE

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 January 17, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 January 17, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

1st Bank, Evanston, Wyoming, to merge with 

First National Bank of Morgan, Morgan, Utah, 

and incident thereto establish branches at 120 

North State Street, Morgan, Utah, and 5015 

West Old Hwy Road, Morgan, Utah.

1ST BANK

Newspaper:

Federal Register:

* 3A1 Not available

02/09/2009

Eastwood Financial Corporation Employee 

Profit Sharing and Stock Ownership Plan, 

Rochester, Minnesota, to become a bank 

holding company by increasing its ownership of 

Eastwood Financial Corporation, Rochester, 

Minnesota, to 27 percent and thereby indirectly 

acquire Eastwood Bank, Kasson, Minnesota.

EASTWOOD FINANCIAL 

CORPORATION EMPLOYEE 

PROFIT SHARING AND STOCK 

OWNERSHIP PLAN

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Lake Shore Wisconsin Corporation, Sheboygan, 

Wisconsin, to become a bank holding company 

by acquiring 100 percent of Hiawatha 

Bancshares, Inc., Hager City, Wisconsin, and 

thereby indirectly acquire Hiawatha National 

Bank, Hager City, Wisconsin.

Lake Shore Wisconsin 

Corporation

* 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

NONE

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 January 17, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

Not available

Manhattan Banking Corporation, Manhattan, 01/15/2009

Kansas, to retain 5.380973 percent of the voting 

shares of Sonoran Bank, National Association, 

Phoenix, Arizona.

MANHATTAN BANKING 

CORPORATION

Newspaper:

Federal Register:

* 3A3

Not available

Manhattan Banking Corporation, Manhattan, 01/15/2009

Kansas, to retain 5.122296 percent of the voting 

shares of BOTS, Inc., parent of Vision Bank, 

both in Topeka, Kansas.

MANHATTAN BANKING 

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

NONE

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 January 17, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 01/29/2009

02/04/2009

Notice by John B. Jones and Emma D. Jones, 

Anna, Texas, John G. Jones and Wendy D. 

Jones, McKinney, Texas, and Jennifer Jones 

Perkins and Michael W. Perkins, Carrollton, 

Texas, acting in concert, to acquire control of 

The Community Group, Inc., Highland Village, 

Texas, and indirectly acquire United Community 

Bank, N.A., Highland Village, Texas.

COMMUNITY GROUP, INC., THE

* 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 January 17, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

American Express Centurion Bank, Salt Lake 

City, Utah, to become a member of the Federal 

Reserve System.

AMERICAN EXPRESS 

CENTURION BANK

Newspaper:

Federal Register:

* 3A3 Waived

02/17/2009

Franklin Resources, Inc., San Mateo, California, 

to acquire up to 5.9 percent of CIT Group, Inc., 

New York, New York, and thereby indirectly its 

subsidiary, CIT Bank, Salt Lake City, Utah, 

pursuant to section 3(a)(3) of the Bank Holding 

Company Act.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

CIC Not available

02/04/2009

Notice by Dorothy Margaret Daly, Oak Brook, 

Illinois, individually and as executor of the 

estate of Denis J. Daly, Sr., or trustee of various 

trusts, to retain 45.6 percent of Trans Pacific 

Bancorp, Inc., and indirectly its subsidiary, 

Trans Pacific National Bank, both of San 

Francisco, California.

TRANS PACIFIC BANCORP

* 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