Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 32 

Week Ending August 11, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
Bank Holding Companies

Mercantile Bancorp, Inc., Quincy, Illinois -- to acquire HNB Financial Services, 

Inc., Hannibal, Missouri, and HNB National Bank.

- Approved, August 6, 2007

The Bank of Nova Scotia, Toronto, Canada -- to acquire shares of First BanCorp, 

San Juan, Puerto Rico; FirstBank of Puerto Rico, Santurce; and FirstBank Florida, 

Miami, Florida.

- Approved, August 8, 2007

Enforcement

American Express Bank International, Miami, Florida -- issuance of a cease and 

desist order and order of assessment of a civil money penalty.

- Announced, August 6, 2007

BANKFIRST, Sioux Falls, South Dakota -- written agreement dated April 22, 

2003, terminated August 2, 2007.

- Announced, August 8, 2007

Marshall BankFirst Corp., Minneapolis, Minnesota, and BANKFIRST, Sioux 

Falls, South Dakota -- written agreement with the Federal Reserve Bank of 

Minneapolis and the South Dakota Department of Revenue and Regulation.

- Announced, August 8, 2007

H.2 Board Actions August 5, 2007 to August 11, 2007

(A/C) = Addition or Correction Board - Page 1 of 1
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 Operational and Payment System

IF International Finance

OSDM Office of Staff Director for Management

August 5, 2007 to August 11, 2007

Bank Branches, Domestic

American Security Bank, Santa Ana, California -- to establish a branch at 2163 

Compton Avenue, Corona.

San Francisco

- Returned, August 7, 2007

CapitalMark Bank & Trust, Chattanooga, Tennessee -- to establish a branch at 802 

Pine Street.

Atlanta

- Approved, August 9, 2007

Citizens Security Bank & Trust Company, Bixby, Oklahoma -- to establish a branch 

at 224 North 6th Street, Jenks.

Kansas City

- Approved, August 9, 2007

Delta Southern Bank, Ruleville, Mississippi -- to establish a branch at 6351 Highway 

11 North, Picayune.

Secretary

- Approved, August 7, 2007

Exchange Bank of Northeast Missouri, Kahoka, Missouri -- to establish a branch at 

304 East Grand Avenue, Memphis.

St. Louis

- Approved, August 8, 2007

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

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 13581 

Goldenwood Drive, Fort Myers, Florida.

Cleveland

- Approved, August 8, 2007

First Bank & Trust, Evanston, Illinois -- to establish a temporary branch at 714 Main 

Street, and subsequently to relocate the branch to 524 Main Street.

Chicago

- Approved, August 10, 2007

First Vision Bank of Tennessee, Tullahoma, Tennessee -- to establish a branch at 

2134 Hillsboro Boulevard, Manchester.

Atlanta

- Approved, August 8, 2007

Old Southern Bank, Orlando, Florida -- to establish a branch at 1200 Hillcrest Street.

Atlanta

- Approved, August 9, 2007

The Peoples' Bank of Arlington Heights, Arlington Heights, Illinois -- to establish a 

branch at 1104 South Arlington Heights Road.

Chicago

- Approved, August 7, 2007

Trupoint Bank, Grundy, Virginia -- to establish a branch at 1320 Governor George C. 

Perry Highway, Pounding Mill.

Richmond

- Approved, August 8, 2007

H.2 Actions under delegated authority August 5, 2007 to August 11, 2007

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

Whitaker Bank, Inc., Lexington, Kentucky -- to establish a branch at 1280 Highway 

770, Corbin.

Cleveland

- Approved, August 8, 2007

Bank Holding Companies

Abby Bancorp, Inc., Abbotsford, Wisconsin -- to become a bank holding company 

and to acquire AbbyBank.

Chicago

- Approved, August 9, 2007

Central Bancompany, Inc., Jefferson City, Missouri -- to acquire Metcalf Bancshares, 

Inc., Overland Park, Kansas, and thereby acquire Metcalf Bank.

St. Louis

- Approved, August 9, 2007

CheckSpring Community Corporation, Bronx, New York -- to become a bank 

holding company and to acquire CheckSpring Bank, a de novo bank.

New York

- Approved, August 6, 2007

Coast Financial Holdings, Inc., Bradenton, Florida -- relief from a commitment.

Atlanta

- Granted, August 9, 2007

H.2 Actions under delegated authority August 5, 2007 to August 11, 2007

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

Fentura Financial, Inc., Fenton, Michigan -- to acquire shares of Premier Commercial 

Bank Arizona, National Association, Mesa, Arizona.

Chicago

- Approved, August 7, 2007

First Hope Bancorp, Hope, New Jersey -- to become a bank holding company and to 

acquire First Hope Bank.

New York

- Approved, August 10, 2007

Inland Bancorp Holding Company, Oak Brook, Illinois -- to acquire Amerimark 

Financial Corporation, Countryside, and Amerimark Bank, Villa Park; and for Inland 

Financial Acquisitions, Inc., Oak Brook, to become a bank holding company and to 

acquire the same institutions.

Chicago

- Approved, August 10, 2007

Larch Bancorporation, Inc., Larchwood, Iowa -- waiver of application to acquire 

Hardwick State Bank, Hardwick, Minnesota, in connection with the merger of 

Hardwick State Bank and Larch Bancorporation's subsidiary, Exchange State Bank, 

Hills, Minnesota.

Chicago

- Granted, August 6, 2007

NCB Holdings, Inc., Chicago, Illinois -- to engage de novo in securities brokerage 

activities, through Kingsbury Capital, L.L.C.

Chicago

- Withdrawn, August 9, 2007

H.2 Actions under delegated authority August 5, 2007 to August 11, 2007

(A/C) = Addition or Correction Delegated - 4 of 7
Bank Holding Companies

PrivateBancorp, Inc., Chicago, Illinois -- to acquire shares of The PrivateBank, 

Kansas City, Missouri, a de novo savings bank.

Chicago

- Withdrawn, August 10, 2007

Providence Bancorp, Inc., Winter Haven, Florida -- to become a bank holding 

company and to acquire Providence Bank.

Atlanta

- Approved, August 9, 2007

W.T.B. Financial Corporation, Spokane, Washington -- to acquire shares of 

IT-Lifeline, Inc., Liberty Lake, and NextSentry Corporation, Spokane.

San Francisco

- Returned, August 7, 2007

Bank Mergers

First American Bank, Birmingham, Alabama -- to merge with Bank of Dadeville, 

Dadeville, and thereby establish a branch.

Secretary

- Approved, August 9, 2007

Banks, Foreign

Caixa Economica Federal, Brasilia, Brazil -- to establish a representative office in 

Jersey City, New Jersey.

Director, BS&R

- Approved, August 7, 2007

H.2 Actions under delegated authority August 5, 2007 to August 11, 2007

(A/C) = Addition or Correction Delegated - 5 of 7
Change In Bank Control

Kensington Bancorp, Inc., Kensington, Minnesota -- change in bank control.

Minneapolis

- Permitted, August 9, 2007

Pieper Bancorp, Inc., Calhan, Colorado -- change in bank control

Kansas City

- Permitted, August 10, 2007

Extensions Of Time

Lake City Bank, Warsaw, Indiana -- extension to November 18, 2007, to establish a 

branch at 6851 West Jefferson Boulevard, Fort Wayne.

Chicago

- Granted, August 9, 2007

Royal Bank of Scotland Group, plc, et al., Edinburgh, Scotland -- commenter's 

request to extend the comment period on the application to acquire ABN AMRO 

Holding N.V., Amsterdam, the Netherlands, and thereby acquire ABN AMRO North 

American Holding Company, Chicago, Illinois; LaSalle Bank Corporation, LaSalle 

Bank National Association, Chicago, and LaSalle Bank Midwest National 

Association, Troy, Michigan.

Secretary

- Denied, August 7, 2007

Virginia Commerce Bank, Arlington, Virginia -- extension to August 21, 2007, to 

establish a branch at 314 East Market Street, Leesburg.

Richmond

- Granted, August 9, 2007

H.2 Actions under delegated authority August 5, 2007 to August 11, 2007

(A/C) = Addition or Correction Delegated - 6 of 7
Financial Holding Companies 

American National Corporation, Omaha, Nebraska -- election to become a financial 

holding company.

Kansas City

- Effective, August 9, 2007

International Operations

Bancafe International, Miami, Florida -- to amend the bylaws of Bancafe 

International, an Edge Act corporation, to appoint a president and directors, and to 

extend its corporate existence until October 1, 2009.

Director, BS&R and General Counsel

- Approved, July 31, 2007

(A/C)

H.2 Actions under delegated authority August 5, 2007 to August 11, 2007

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

Federal Reserve Bank of Boston

Filings received during the week ending August 11, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Ledyard Financial Group, Inc., Hanover, New 

Hampshire, to become a bank holding company 

through the acquisition of Ledyard National 

Bank, Norwich, Vermont pursuant to section 

3(a)(5)(C) of the BHC Act.

Ledyard Financial Group, 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 August 11, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/27/2007

Allied Irish Banks, p.l.c., Dublin, Ireland to 

acquire additional shares of M&T Bank 

Corporation, Buffalo, New York ("M&T"), for a 

total of 29 percent, as a result of M&T's stock 

buyback program, and thereby indirectly control 

Manufacturers and Traders Trust Company, 

Buffalo, New York and M&T Bank, N.A., 

Oakfield, New York.

ALLIED IRISH BANKS, P.L.C.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Andhra Bank, Hyderabad, India, to establish a 

representative office in Jersey City, New Jersey.

ANDHRA BANK

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Banco Latinoamericano de Exportaciones S.A., 

Panama City, Republic of Panama, requests prior 

approval of the Board of Governors of the 

Federal Reserve System to engage in 

nonbanking activities, pursuant to Sections 4(c)

(8) and 4(j) of the BHC Act of 1956 and Section 

225.24 of Regulation Y.

BANCO LATINOAMERICANO 

DE EXPORTACIONES, S.A.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

BNP Paribas, Paris, France requests approval 

pursuant to the International Banking Act of 

1978 and after the fact provisions of Section 

211.24(a)(6) of Regulation K to establish the 

New York branch of its subsidiary Banca 

Nationale del Lavoro S.p.A., Rome, Italy.

BNP PARIBAS

Newspaper:

Federal Register:

FBSEA

Not applicable

Prior Notice by The Governor and Company of 08/23/2007

the Bank of Scotland ("BOS"), Edinburgh, 

Scotland, to establish, pursuant to the 

International Banking Act of 1978, the branch 

currently maintained by BOS' subsidiary, HBOS 

Treasury Services plc, London, England, in New 

York, New York, in connection with an internal 

reorganization.

GOVERNOR AND COMPANY OF 

THE BANK OF SCOTLAND, THE

Newspaper:

Federal Register:

Other Foreign

Not applicable

HSBC Private Bank International, Miami, 09/01/2007

Florida, an Edge Corporation held by HSBC 

Bank USA, National Association provided 

notice to the Board of Governors of the Federal 

Reserve System of its intention to establish a 

domestic branch in San Francisco, California, 

pursuant to Section 211.5(f) of Regulation K.

HSBC PRIVATE BANK 

INTERNATIONAL

Newspaper:

Federal Register:

4c8 Not applicable

Not available

HSH Nordbank AG, Hamburg, Germany, 

proposes to engage through Estein & 

Associates USA, Ltd., Orlando, Florida, a joint 

venture investment, in financial and investment 

advisory activities, pursuant to Section 4(c)(8) 

and 4(j) of the BHC Act and Section 225.28(b)(6) 

of Regulation Y.

HSH NORDBANK AG

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Macquarie Bank Ltd., Sydney, Australia, to 

establish one additional representative office in 

Chicago, Illinois, pursuant to Section 211.24(a)

(2)(i)(B)(3) of Regulation K.

MACQUARIE BANK LIMITED

* 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

 175609 BANK OF MILLBROOK, MILLBROOK, NEW YORK 11/13/2006 08/09/2007 S Small 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 August 11, 2007

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 August 11, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Community Trust Bank, Inc., Pikeville, 

Kentucky, to merge with Eagle Bank, Inc., 

Williamstown, Kentucky

COMMUNITY TRUST BANK, 

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 08/11/2007

a branch at 2400 Main Street, Outlot 2, 

Evanston, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 08/14/2007

a branch at 101 East 38th Street, Indianapolis, 

IN.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 08/11/2007

a branch at 4137 West 167th Street, County 

Club Hills, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 08/11/2007

a branch at 1716 156th Street, Hammond, IN.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 08/14/2007

a branch at 17830 Ben Hill Griffin Parkway, Fort 

Meyers, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 08/11/2007

a branch at 4600 54th Avenue South, St. 

Petersburg, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 08/14/2007

branch at 5600 Walnut Street, Pittsburgh, PA.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 08/14/2007

branch at 550 North Summit Street, Toledo, OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 08/21/2007

a branch at 3250 West 87th Street, Chicago, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 08/21/2007

a branch at 2627 North Elston Avenue, Chicago, 

IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 08/21/2007

a branch at 1212 75th Street, Downers Grove, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 08/21/2007

a branch at 16831 Torrence Avenue, Lansing, 

IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 08/21/2007

a branch at 7580 Barrington Road, Hanover 

Park, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 08/21/2007

a branch at 13001 South Ashland Avenue, 

Calumet Park, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 08/21/2007

a branch at 2440 Lincoln Highway, Olympia 

Fields, IL.

FIFTH THIRD BANK

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

Federal Reserve Bank of Cleveland

Filings received during the week ending August 11, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 08/21/2007

a branch at 1200 North Kennedy Drive, 

Kankakee, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 08/21/2007

a branch at 491 East Roosevelt Drive, Lombard, 

IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 08/21/2007

a branch at 8401 Indianapolis Boulevard, 

Highland, IN.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 08/23/2007

branch at 141 South Highland Avenue, 

Pittsburgh, PA.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* 3A5 Not available

08/31/2007

Hometown Bancshares, Inc. Middlebourne, 

West Virginia to acquire First Community 

Bancorp, Inc., St. Marys, West Virginia, 

pursuant to section 3(a)(5) of the BHCA. First 

National Bank of St. Marys, St. Marys, West 

Virginia will be merged with and into Union 

Bank, Inc., Hometown's subsidiary bank located 

in Middlebourne, West Virginia.

HOMETOWN BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A5 09/10/2007

09/07/2007

PNC Financial Services Group, Inc., Pittsbugh, 

Pennsylvania, to acquire 100 percent of Sterling 

Financial Corporation, Lancaster, Pennsylvania, 

and thereby indirectly acquire BLC Bank, 

National Association, Strasburg, Pennsylvania, 

and Delaware Sterling Bank & Trust Company, 

Christiana, Delaware

PNC FINANCIAL SERVICES 

GROUP, INC., THE

* 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 August 11, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 08/27/2007

08/27/2007

Blue Ridge Financial Corporation, Walhalla, 

South Carolina, to become a bank holding 

company by acquiring 100% of Blue Ridge Bank 

of Walhalla, Walhalla, South Carolina.

BLUE RIDGE FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1

* 3A3

4c8

09/04/2007

09/04/2007

First BanCapital Fund I, L.P., First BanCapital 

Parallel Fund I, L.P., CBCF Partners, L.P., MJR, 

LLC, MJR Financial Group, LLC: to become 

bank holding companies through the 

acquisition of up to 54.9% of the voting 

securities of Revere Bank, Laurel, Maryland (in 

organization); to retain 8.28% of the voting 

securities of NCB Holdings, Inc., Chicago, 

Illinois, and thereby indirectly hold an interest 

in New Century Bank, Chicago, Illinois; and to 

engage in private placement, investment 

advisory, and securities brokerage activities.

FIRST BANCAPITAL FUND I, 

L.P.

Newspaper:

Federal Register:

* Branch

Not applicable

Heritage Bank, Norfolk, Virginia, proposes to 08/18/2007

establish a branch at 601 Lynnhaven Parkway, 

Virginia Beach, Virginia.

HERITAGE BANK

* 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 August 11, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Banco Popular Espanol, S.A., Madrid, Spain, to 

become a bank holding company by acquiring 

100 percent of the outstanding shares of Total 

Bancshares Corp., and thereby acquire its 

subsidiary, TotalBank, both of Miami, Florida.

BANCO POPULAR ESPANOL, 

S.A.

Newspaper:

Federal Register:

* 3A3 09/04/2007

09/06/2007

BancTenn Corporation, Kingsport, Tennessee, 

to acquire 20 percent of the outstanding shares 

of Paragon Commercial Corporation, and 

thereby acquire its subsidiary, Paragon 

Commercial Bank, both of Raleigh, North 

Carolina.

BANCTENN CORP.

Newspaper:

Federal Register:

* 3A1 09/10/2007

09/07/2007

CSB&T Bancorp, Inc., Nashville, Tennessee, to 

become a bank holding company by acquiring 

100 percent of the outstanding shares of 

Citizens Savings Bank & Trust Company, 

Nashville, Tennessee.

CSB&T BANCORP, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

The Savannah Bancorp, Inc., Savannah, 

Georgia, to acquire Minis & Co., Inc., Savannah, 

Georgia, and thereby engage in investment 

advisory activities.

SAVANNAH BANCORP, INC., 

THE

* 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 August 11, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/31/2007

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Bancorp Colorado Ltd. II, Fort Collins, 

Colorado, to acquire 51 percent of the voting 

shares of Loveland Bank of Commerce (in 

organization), Loveland, Colorado.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A3 08/29/2007

08/31/2007

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited V, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Bank of Feather River (in 

organization), Yuba City, California.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish a 

branch facility to be located at 3361 Rosecrans 

Street, Suite 9A, San Diego, California.

COMERICA BANK

Newspaper:

Federal Register:

* 3A3 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of Banner 

Corporation, Walla Walla, Washington, and 

thereby indirectly acquire Banner Bank, Walla 

Walla, Washington.

FBOP CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of 

BankFinancial Corporation, Burr Ridge, Illinois, 

and thereby indirectly acquire BankFinancial 

F.S.B., Olympia Fields, Illinois, and thereby 

operate a savings association.

FBOP CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of CFS 

Bancorp, Inc., Munster, Indiana, and thereby 

indirectly acquire Citizens Financial Bank, 

Munster, Indiana, and thereby operate a 

savings association.

FBOP CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of PFF 

Bancorp, Inc., Rancho Cucamonga, California, 

and thereby indirectly acquire PFF Bank and 

Trust, Pomona, California, and thereby operate a 

savings association.

FBOP CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of 

Provident Financial Holdings, Inc., Riverside, 

California, and thereby indirectly acquire 

Provident Savings Bank, F.S.B., Riverside, 

California, and thereby operate a savings 

association.

FBOP CORPORATION

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 11, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

4c8

08/27/2007

08/24/2007

Greenwoods Financial Group, Inc., Rio, 

Wisconsin, to become a bank holding company 

by acquiring 100 percent of the voting shares of 

Greenwood's Bancorporation, Inc., Lake Mills, 

Wisconsin, and thereby indirectly acquire 

Greenwoods State Bank, Lake Mills, Wisconsin, 

and to engage in insurance agency activities 

through the acquisition of The Greenwood's 

Financial Services, Inc., Lake Mills, Wisconsin.

GREENWOODS FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Hedrick Savings Bank, Ottumwa, Iowa, to 08/18/2007

establish a branch at 202 High Street, Kellogg, 

Iowa.

HEDRICK SAVINGS BANK

Newspaper:

Federal Register:

* 3A1 Not available

09/06/2007

Level One Bancorp, Inc., Farmington Hills, 

Michigan, to become a bank holding company 

by acquiring 100 percent of the voting shares of 

Level One Bank (in organization), Farmington 

Hills, Michigan.

LEVEL ONE BANCORP

Newspaper:

Federal Register:

* 3A3 Not available

09/06/2007

Metropolitan Bank Group, Inc., Chicago, Illinois 

and Plaza Bancorp, Inc., Chicago, Illinois, to 

acquire 100 percent of the voting shares of 

Poplar Creek Community Bank (in organization), 

Rolling Meadows, Illinois.

METROPOLITAN BANK GROUP, 

INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

12-day Notice - Oostburg Bancorp, Inc., 

Oostburg, Wisconsin, proposes to engage in 

financial and investment advisory activities and 

agency transactional services for customers 

investments.

OOSTBURG BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

08/20/2007

Pan American Acquisition, Inc., Oak Brook, 

Illinois, to become a bank holding company by 

acquiring 100 percent of the voting shares of JD 

Financial Group, Inc., Chicago, Illinois, and 

thereby indirectly acquire Pan American Bank, 

Chicago, Illinois.

PAN AMERICAN ACQUISITION, 

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 August 11, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 08/18/2007

establish a branch facility to be located at 5311 

West 6th Avenue, Stillwater, Oklahoma.

ARVEST BANK

Newspaper:

Federal Register:

CIC 08/29/2007

08/15/2007

Notice by the Irrevocable Trust of Doyle W. 

Rogers, Sr. and Josephine Raye Rogers, with 

Barbara R. Hoover and Doyle W. Rogers, Jr. as 

trustees, in concert with Doyle W. Rogers, Sr., 

all of Batesville, Arkansas, to increase control of 

Citizens Bancshares of Batesville, Inc., 

Batesville, Arkansas.

CITIZENS BANCSHARES OF 

BATESVILLE, INC.

Newspaper:

Federal Register:

CIC 08/19/2007

08/15/2007

Notice by Harry Roberts, individually, and The 

Roberts Group, Owensboro, Kentucky, to gain 

control of First Security, Inc., Owensboro, 

Kentucky. The Roberts Group consists of 

Harry Roberts, Willa Roberts, Harry L. Roberts 

and Sherry Turner, all of Owensboro, Kentucky.

FIRST SECURITY, INC.

Newspaper:

Federal Register:

* 3A3 08/18/2007

08/09/2007

Lonoke Bancshares, Inc., Lonoke, Arkansas, to 

acquire additional shares of Central Bank, Little 

Rock, Arkansas, resulting in ownership of up to 

9.65 percent.

LONOKE BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 09/02/2007

08/09/2007

Lonoke Bancshares, Inc., Lonoke, Arkansas, to 

retain its existing ownership interest of up to 

6.88 percent of Pinnacle Bancshares, Inc., 

Bentonville, Arkansas, and thereby retain its 

indirect ownership of Pinnacle Bank, 

Bentonville, Arkansas.

LONOKE BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

M & P Community Bancshares, Inc. 401(k) 

Employee Stock Ownership Plan, Newport, 

Arkansas, to acquire additional shares of M & P 

Community Bancshares, Inc., Newport, 

Arkansas, for total ownership of up to 32 

percent.

M&P COMMUNITY 

BANCSHARES, INC. 401(K) 

EMPLOYEE STOCK OWNERSHIP 

PLAN

* 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

 554848 BANK OF MOUNTAIN VIEW, MOUNTAIN VIEW, ARKANSAS 04/30/2007 07/23/2007 S Small Bank

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 August 11, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by First Trust Company of Onaga, N.A. 

FBO LeRoy Albjerg, IRA, Arden Hills, 

Minnesota; US Bancorp Piper Jaffray custodian 

FBO Harold Broman, Jr., North St. Paul, 

Minnesota; Larry Dunn, Stacy, Minnesota; and 

Diana Makens, Las Vegas, Nevada, to join an 

existing group acting in concert: Walter G. Fries, 

Wabasha, Minnesota; Raymond B. Pinson, Del 

Ray Beach, Florida; Kenneth D. Myers, Apple 

Valley, Minnesota; GLA Investments, L.L.C., 

Lakeville, Minnesota, Gary Anderson as general 

partner; AMSIE Enterprises, LLC, Minnetonka, 

Minnesota, Donald Eisma as general partner; 

Nancy Ludwig and Francis N. Ludwig, Apple 

Valley, Minnesota; Richard B. Lambert, Jr., 

Apple Valley, Minnesota; Russell S. Sampson, 

Prior Lake, Minnesota; Curtis A. Sampson, 

Hector, Minnesota; Brett D. Reese, Northfield, 

Minnesota; S & L Investments, LLP, 

Bloomington, Minnesota, David Stueve as 

general partner; Savage Capitalists, LLP, 

Bloomington, Minnesota, David Stueve as 

general partner; Pershing LLC FBO Richard D. 

Estenson IRA, Northfield, Minnesota; Charles 

and Cindy Beske, Lakeville, Minnesota; and 

Brian Bauer, Garvin, Minnesota, to gain control 

of 25 percent or more of the shares of Access 

Bancshares, Inc., Champlin, Minnesota, and 

thereby indirectly gain control of Access Bank, 

Champlin, Minnesota.

ACCESS BANCSHARES, INC.

* 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

 655651 MONTANA ST BK, PLENTYWOOD, MONTANA 04/16/2007 07/31/2007 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 August 11, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/07/2007

American State Bancshares, Inc., Great Bend, 

Kansas, to acquire 100 percent of the voting 

shares of Intra Financial Corp, Concordia, 

Kansas, parent of Peoples Exchange Bank, 

Belleville, Kansas.

AMERICAN STATE 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

08/23/2007

Notification by Emmalie Gessner Cowherd, 

Carrollton, Missouri, individually, as trustee of 

the Emmalie Gessner Cowherd Revocable Living 

Trust, as personal representative of the Clifton 

R. Cowherd Estate and as a member of a family 

group; and Benjamin G. Polen, Carrollton, 

Missouri, both individually and as a member of 

a family group; to retain control of Carroll 

County Bancshares, Inc., Carrollton, Missouri, 

parent of Carroll County Trust Company of 

Carrollton, Missouri.

CARROLL COUNTY 

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Community Banks of Colorado, Greenwood 09/07/2007

Village, Colorado, to establish a branch at 280 

Main Street, Unit C104, River Walk Quartz 

Building, Edwards, Colorado.

COMMUNITY BANKS OF 

COLORADO

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 09/06/2007

Peoples Bancshares, Inc., Lawrence, Kansas, to 

become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Peoples National Bank Colorado, Colorado 

Springs, Colorado; Peoples National Bank 

Monument, Monument, Colorado; and Peoples 

National Bank Interim, Leadville, Colorado. 

Winter Trust of 12/3/74, Ottawa, Kansas, and 

Peoples Inc., Colorado Springs, Colorado, to 

acquire 100 percent of the voting shares of 

Peoples Bancshares, Inc., Colorado Springs, 

Colorado, parent of Peoples National Bank 

Interim, Leadville, Colorado.

PEOPLES BANCSHARES, INC.

* 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

 95659 MORRIS ST BK, MORRIS, OKLAHOMA 04/30/2007 07/30/2007 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 August 11, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 08/31/2007

09/07/2007

ABCT Holdings, Inc., Waco, Texas, to become a 

bank holding company by acquiring 100 percent 

of State Bank of Jewett, Jewett, Texas.

ABCT HOLDINGS, INC.

Newspaper:

Federal Register:

* 3A1 Not available

08/27/2007

Mineola Community Mutual Holding Company, 

Mineola, Texas, and Mineola Community 

Financial Group, Inc., Mineola, Texas, to 

become bank holding companies by acquiring 

100 percent of Mineola Community Bank, S.S.B., 

Mineola, Texas.

MINEOLA COMMUNITY 

MUTUAL HOLDING COMPANY

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Southwest Bank, Fort Worth, Texas, to merge 08/27/2007

with affiliate Community Bank of Texas, 

National Association, Grand Prairie, Texas, and 

to establish a branch to be located at 1106 North 

Highway 360, Suite 100, Grand Prairie, Texas 

75050.

SOUTHWEST BANK

* 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 August 11, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

08/30/2007

Capital Corp of the West, Merced, California, to 

acquire Bay View Funding, San Mateo, 

California, and thereby engage in factoring and 

accounts receivable, pursuant to sections 

225.28(b)(1) and 225.28(b)(2)(vi) of Regulation Y.

CAPITAL CORP OF THE WEST

Newspaper:

Federal Register:

* 18C Not available

Not applicable

County Bank, Merced, California, to purchase 

the assets and assume the liabilities of 11 

California branches of National Bank of Arizona, 

Tucson, Arizona.

COUNTY BANK

* 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