Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 6 

Week Ending February 7, 2009

Board of Governors of the Federal Reserve System, Washington, DC 20551
Forms

Forms -- initial Board review to extend without revision the Senior Loan Officer 

Opinion Survey on Bank Lending Practices (FR 2018), Senior Financial Officer 

Survey (FR 2023), Automobile Finance Terms (FR 2005), Passenger Auto Contract 

Collection Trends at Major Sales Finance Companies (FR 2012), Quarterly Report of 

Interest Rates on Selected Direct Consumer Installment Loans (FR 2835), and 

Quarterly Report of Credit Card Plans (FR 2835a).

- Proposed, February 6, 2009

Monetary and Financial Policy

Liquidity Facilities -- extension through October 30, 2009, of the Asset-Backed 

Commercial Paper Money Market Mutual Fund Liquidity Facility, Commercial 

Paper Funding Facility, Money Market Investor Funding Facility, Primary Dealer 

Credit Facility, and (approved jointly with the Federal Open Market Committee) 

Term Securities Lending Facility.

- Approved, January 27, 2009

(A/C)

Term Asset-Backed Securities Loan Facility -- revised terms and conditions, 

including loan rates, collateral haircuts, the definition of eligible borrowers, and 

additional specifications for eligible asset-backed securities collateral.

- Approved, February 6, 2009

Enforcement

Elmwood Financial Corporation, Racine, Wisconsin, and Bank of Elmwood -- 

written agreement with the Federal Reserve Bank of Chicago and the Wisconsin 

Department of Financial Institutions.

- Announced, February 3, 2009

First SCK Financial Corporation, Anthony, Kansas -- written agreement with the 

Federal Reserve Bank of Kansas City.

- Announced, February 3, 2009

H.2 Board Actions February 1, 2009 to February 7, 2009

(A/C) = Addition or Correction Board - Page 1 of 2
Enforcement

Sun American Bancorp, Boca Raton, Florida, and Sun American Bank -- written 

agreement with the Federal Reserve Bank of Atlanta and the Florida Office of 

Financial Regulation.

- Announced, February 3, 2009

H.2 Board Actions February 1, 2009 to February 7, 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

February 1, 2009 to February 7, 2009

Bank Branches, Domestic

CapStar Bank, Nashville, Tennessee -- to establish a branch at 5500 Maryland Way, 

Brentwood.

Atlanta

- Approved, February 4, 2009

Johnson Bank, Racine, Wisconsin -- to establish a branch at 580 Broad Street, Lake 

Geneva.

Chicago

- Approved, February 2, 2009

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 3330 Forum Boulevard, 

Fort Myers, Florida.

Secretary

- Approved, February 3, 2009

Bank Holding Companies

Indiana Bank Corp., Dana, Indiana -- to engage de novo in extending credit and 

servicing loans.

Chicago

- Approved, February 5, 2009

(A/C) = Addition or Correction Delegated - 1 of 3
Bank Holding Companies

Synovus Financial Corporation, Columbus, Georgia -- to establish Broadway Asset 

Management, Inc., Columbus, and thereby engage de novo in extending credit and 

servicing loans, activities related to extending credit, and leasing personal and real 

property.

Atlanta

- Approved, February 4, 2009

Bank Mergers

Regions Bank, Birmingham, Alabama -- to purchase certain assets and assume 

certain deposits and other liabilities of four branches of FirstBank Financial Services, 

McDonough, Georgia.

Atlanta

- Approved, February 6, 2009

Change in Bank Control

Plymouth Financial Corporation, Plymouth, Michigan -- change in bank control of 

Plymouth and its subsidiary bank, New Liberty Bank, Plymouth.

Chicago

- Permitted, February 2, 2009

Extensions of Time

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga 

Springs, New York -- extension to May 20, 2009, to acquire additional shares of 473 

Broadway Holding Corporation, Saratoga Springs, and of The Adirondack Trust 

Company.

New York

- Granted, February 3, 2009

H.2 Actions under delegated authority February 1, 2009 to February 7, 2009

(A/C) = Addition or Correction Delegated - 2 of 3
Extensions of Time

SunTrust Bank, Atlanta, Georgia -- extension to February 25, 2010, to establish a 

branch at 100 M Street SW, Washington, D.C.

Atlanta

- Granted, February 4, 2009

Financial Holding Companies 

Companhia E. Johnston de Participacoes, Matao, Brazil -- (1) election to be treated as 

a financial holding company, effective on its acquisition of shares of Itau Unibanco 

Participacoes S.A., Sao Paulo, and (2) indirectly to acquire control of Banco Itau 

Europa International, an Edge corporation, Miami, Florida.

Director, BS&R

- Approved, February 4, 2009

International Operations

Wachovia International Banking Corporation, Charlotte, North Carolina -- waiver of 

remainder of notification period to make an investment in Congress Financial Capital 

Company, Halifax, Nova Scotia, Canada, under Regulation K.

Director, BS&R

- Granted, January 30, 2009

(A/C)

H.2 Actions under delegated authority February 1, 2009 to February 7, 2009

(A/C) = Addition or Correction Delegated - 3 of 3
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending February 7, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5 02/20/2009

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.

* 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 February 7, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Bank of New York Mellon, New York, New York, 

and its subsidiary, BNY International Financing 

Corporation, New York, New York, pursuant to 

Section 211.9(f) of Regulation K, to acquire a 

bank in Tokyo, Japan.

BANK OF NEW YORK MELLON 

CORPORATION, THE

Newspaper:

Federal Register:

FBSEA

Not applicable

Bank of Nova Scotia, Toronto, Canada, to 02/23/2009

establish an agency in Miami, Florida, pursuant 

to Section 5(a)(3) of the International Banking 

Act and Section 211.24(a)(2)(i)(A) of Regulation 

K.

BANK OF NOVA SCOTIA, THE

Newspaper:

Federal Register:

* 4c8 Not available

02/27/2009

Investors Bancorp, MHC and Investors 

Bancorp, Inc., both of Short Hills, New Jersey to 

acquire American Bancorp of New Jersey, and 

its wholly-owned subsidiary, American Bank of 

New Jersey, both of Bloomfield, New Jersey , 

pursuant to Section 4(c)(8) of the BHC Act and 

Section 225.24 of Regulation Y.

INVESTORS BANCORP, MHC

Newspaper:

Federal Register:

* 3A1 Not available

02/23/2009

Max Bancorp, LLC, New York, New York, to 

become a one-bank holding company by 

acquiring majority of the voting shares of 

Allegiance Community Bank, South Orange, 

New Jersey, pursuant to Section 3(a)(1) of BHC 

Act and Section 225.15 of Regulation Y.

MAX BANCORP, LLC

* 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 February 7, 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 February 7, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/23/2009

Interagency Notices of Change in Bank Control 

filed by the following persons acting in concert: 

Earl F. Croushorn,II, Rayburn Doss, Mark David 

Goss, Vesper Singleton, Phillip M. Smith, U. 

Wayne Greene, Richard L. Fox, D. Steve 

Tolliver, Donald G. Parsons, Frederick M. 

Busroe,Jr., Gary W. Cupp, James A. Emrich, 

Julie E. Fredrick, and James E.F. Croushorn (also 

individually)to retain and acquire 25% or more 

of the outstanding voting shares of Banco 

Harlan, Inc., Harlan, KY

BANCO HARLAN, 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 February 7, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 02/22/2009

02/20/2009

Live Oak Bancshares, Inc., Wilmington, North 

Carolina, to become a bank holding company 

through the acquisition of 100% of the voting 

securities of Live Oak Banking Company, 

Wilmington, North Carolina.

Live Oak Bancshares, Inc.

Newspaper:

Federal Register:

* Branch

Not applicable

Middleburg Bank, Middleburg, Virginia, 02/12/2009

proposes to establish a branch at Scott Thomas 

Building, 5372 Discovery Park Boulevard, Suite 

101, Williamsburg, Virginia.

MIDDLEBURG 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 February 7, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC

Not available

Prior change in control notice filed by the 02/25/2009

Yoakum Family, LP, Tazewell, Tennesee, to 

acquire 40.87 percent of the outstanding shares 

of common stock of Clairborne Holding 

Company, Inc., and its subsidiary, First Century 

Bank, both of Tazewell, Tennessee.

CLAIBORNE HOLDING 

COMPANY, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch

* 18C

Not applicable

Florida Bank, Tampa, Florida, to merge with 

Florida Bank of Jacksonville, Jacksonville, 

Florida, and The Bank of Tallahassee, 

Tallahassee, Florida.

FLORIDA BANK

Newspaper:

Federal Register:

* 3A1 Not available

03/06/2009

Intercontinental Bankshares, LLC, Coral Gables, 

Florida, to acquire 81 percent of the outstanding 

shares of Intercontinental Bank, West Miami, 

Florida

INTERCONTINENTAL 

BANKSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

02/20/2009

Prior change in control notice filed by 

Redemptus Group LLC, Dunwoody, Georgia, to 

acquire 24.99 percent of the outstanding shares 

of common stock of McIntosh Bancshares, Inc., 

and its subsidiary, McIntosh State Bank, both 

of Jackson, Georgia.

MCINTOSH BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Sunrise Bank, Cocoa Beach, Florida, to establish 02/16/2009

a branch located at 1747 Evans Road, Suite 102, 

Melbourne, Florida.

SUNRISE 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 February 7, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Freeport Bancshares, Inc., Freeport, Illinois, to 

acquire 100 percent of the voting shares of 

Community Redevelopment, LLC, Freeport, 

Illinois, and thereby to engage in extending 

credit and servicing loans.

FREEPORT BANCSHARES, INC.

Newspaper:

Federal Register:

4c8 Not available

* 3A3 03/02/2009

GMAC LLC, Detroit, Michigan, to retain 21.5 

percent of the voting shares of Capmark 

Financial Group, Inc., Horsham, Pennsylvania, 

and thereby indirectly retain control of Capmark 

Bank, Midvale, Utah and Escrow Bank USA, 

Midvale, Utah, and thereby to operate an 

industrial bank.

GMAC LLC

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Rolling Hills Bank & Trust, Atlantic, Iowa, to 

merge with The First National Bank of Brewster, 

Brewster, Minnesota, and thereby to establish 

branches at 224 Tenth Street, Brewster, 

Minnesota and 229 Tenth Street, Worthington, 

Minnesota.

ROLLING HILLS BANK & TRUST

* 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 February 7, 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 February 7, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 02/20/2009

02/20/2009

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

Newspaper:

Federal Register:

* 3A3 Not available

03/02/2009

University Financial Corp, Inc., DBA Sunrise 

Community Banks, Saint Paul, Minnesota, to 

acquire 100% of EastBank, Minneapolis, 

Minnesota.

UNIVERSITY FINANCIAL CORP, 

INC. DBA SUNRISE 

COMMUNITY BANKS

* 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 February 7, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

03/06/2009

Banner County Ban Corporation, Harrisburg, 

Nebraska, to acquire 100 percent of the voting 

shares of Cowboy State Bank, Ranchester, 

Wyoming.

BANNER COUNTY BAN 

CORPORATION

Newspaper:

Federal Register:

* 3A1 02/21/2009

03/02/2009

Hulett Bancorp, to become a bank holding 

company through the acquisition of 100 percent 

of the voting shares of Summit National Bank, 

both in Hulett, Wyoming.

HULETT BANCORP

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Platte Valley Bank, Torrington, Wyoming, to 

purchase certain assets and assume certain 

liabilities of the Casper, Wyoming branch of 

Bank of Wyoming, Thermopolis, Wyoming.

PLATTE VALLEY BANK

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Townsend Financial Corporation, to become a 

bank holding company through the acquisition 

of 100 percent of the voting shares of Bank of 

Grove, both in Grove, Oklahoma.

TOWNSEND 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

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 February 7, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 03/01/2009

03/02/2009

Bandera First State Bancshares, Inc., Bandera, 

Texas, to become a bank holding company by 

acquiring 100 percent of Bandera First State 

Bank, Bandera, Texas (de novo).

BANDERA FIRST STATE 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Texas First Bank - Texas City, Texas City, Texas, 

to purchase the assets and assume the liabilities 

of Texas First Bank - Winnie, Winnie, Texas, 

and to establish branches at the following 

locations: 210 Highway 124, Winnie, Texas 

77665; 519 Rollingbrook Drive, Baytown, Texas 

77521; and Highway 124 and F.M. 365, Fannett, 

Texas 77705.

TEXAS FIRST 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 February 7, 2009

Filer Filing Type Filing Proposal End of Comment Period

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

Newspaper:

Federal Register:

CIC Not available

02/25/2009

Notice by Koh-Wilshire LP, Los Angeles, 

California, to retain approximately 18.27 percent 

of Wilshire Bancorp, Inc., Los Angeles, 

California, and thereby indirectly retain Wilshire 

State Bank, Los Angeles, California.

WILSHIRE BANCORP, INC.

Newspaper:

Federal Register:

CIC 02/13/2009

02/25/2009

Notice by Daniel Day, Yakima, Washington, to 

increase his holdings of YNB Financial Services 

Corporation from 9.8 percent to 10.9 percent, 

and thereby indirectly acquire additional 

holdings of Yakima National Bank, both of 

Yakima, Washington.

YNB FINANCIAL SERVICES 

CORP.

* 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