Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 40 

Week Ending October 6, 2007

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

Industrial Loan Companies -- statement by Scott G. Alvarez, General Counsel, before 

the Senate Committee on Banking, Housing, and Urban Affairs on October 4, 2007.

- Approved, October 3, 2007

Forms

Forms -- final Board review to extend with revision the Interagency Bank Merger 

Act Application (FR 2070) and to extend without revision the Interagency Notice of 

Change in Bank Control, Interagency Notice of Change in Director or Senior 

Executive Officer, and Interagency Biographical and Financial Report (FR 

2081a,b,c).

- Approved, September 25, 2007

(A/C)

Regulations And Policies

Small Business Credit -- quinquennial report to Congress on Availability of Credit to 

Small Businesses.

- Approved, October 5, 2007

Reserve Bank Operations

Reserve Bank Operations -- revisions to the Board's policies and guidelines 

concerning Reserve Bank operations (S-2634).

- Approved, October 1, 2007

Enforcement

Cowboy State Bancorp, Inc., Ranchester, Wyoming, and Cowboy State Bank -- cease 

and desist order dated February 24, 2004, terminated September 19, 2007.

- Announced, October 3, 2007

H.2 Board Actions September 30, 2007 to October 6, 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

September 30, 2007 to October 6, 2007

Bank Branches, Domestic

Comerica Bank, Detroit, Michigan -- to establish branches at 260 West Grand 

Avenue, Escondido, California, and 412 Washington Street, San Diego.

Secretary

- Approved, October 5, 2007

Community State Bank, Avilla, Indiana -- to establish a branch at 708 West 7th 

Street, Auburn.

Chicago

- Approved, October 3, 2007

First Bank, St. Louis, Missouri -- to establish a branch at 27067 McBean Parkway, 

Valencia, California.

St. Louis

- Approved, October 3, 2007

First Virginia Community Bank, Fairfax, Virginia -- to operate a courier service in 

the Virginia cities of Alexandria, Fairfax, and Manassas, the Virginia counties of 

Fairfax, Arlington, Loudoun, and Prince William, and the Maryland counties of 

Montgomery and Prince Georges.

Richmond

- Approved, October 1, 2007

(A/C) = Addition or Correction Delegated - 1 of 8
Bank Branches, Domestic

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to establish branches at 6752 

Conroy Road, Orlando, Florida; 1101 Walnut Street, Kansas City, Missouri; and the 

intersections of Ocotillo Road and Ironwood Drive, Queen Creek, Arizona; 135th 

Street and Fontana Avenue, Leawood, Kansas; Rogers Drive and Commerce 

Boulevard, Rogers, Minnesota; Highway 36 and Fairview Avenue, Roseville, 

Minnesota; and Scott and North First Streets, Wausau, Wisconsin.

Secretary

- Approved, October 2, 2007

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a 

branch at 901 Bestgate Road, Annapolis, Maryland.

Secretary

- Approved, October 4, 2007

Regions Bank, Birmingham, Alabama -- to establish a branch at 55 North Section 

Street, Fairhope.

Atlanta

- Approved, October 2, 2007

San Joaquin Bank, Bakersfield, California -- to establish a branch at Panama Lane 

and Stine Road.

San Francisco

- Approved, October 3, 2007

Triumph Bank, Memphis, Tennessee -- to establish a branch at 1130 West Poplar 

Avenue, Collierville.

St. Louis

- Approved, October 2, 2007

H.2 Actions under delegated authority September 30, 2007 to October 6, 2007

(A/C) = Addition or Correction Delegated - 2 of 8
Bank Branches, Domestic

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

5831 Plank Road, Fredericksburg.

Richmond

- Approved, October 3, 2007

Waccamaw Bank, Whiteville, North Carolina -- to establish a branch at 1180 

Highway 17, Little River, South Carolina.

Richmond

- Approved, October 5, 2007

Bank Holding Companies

Banco Latinoamericano de Exportaciones, S.A., Panama City, Panama -- to engage 

in nonbanking activities.

New York

- Approved, October 4, 2007

Boston Private Financial Holdings, Inc., Boston, Massachusetts -- to acquire an 

additional interest in Coldstream Holdings, Inc., Bellevue, Washington.

Boston

- Approved, October 1, 2007

Cape Bancorp, Inc., Baltimore, Maryland -- waiver of application to acquire 

Boardwalk Bancorp, Linwood, New Jersey, in connection with the merger of Cape 

Savings Bank, Cape May Court House, and Boardwalk Bank, Linwood.

Philadelphia

- Granted, October 1, 2007

H.2 Actions under delegated authority September 30, 2007 to October 6, 2007

(A/C) = Addition or Correction Delegated - 3 of 8
Bank Holding Companies

Community Bank Investors of America, LP, Midlothian, Virginia -- to become a 

bank holding company and to acquire shares of Bay Bank, Tampa, Florida, on its 

conversion from a savings bank to a commercial bank.

Atlanta

- Withdrawn, October 1, 2007

Community First, Inc. Columbia, Tennessee -- to acquire First National Bank of 

Centerville, Centerville.

Atlanta

- Approved, October 5, 2007

FBOP Corporation, Oak Park, Illinois -- to acquire shares of BankFinancial 

Corporation, Burr Ridge, and thereby acquire BankFinancial, F.S.B., Olympia Fields.

Chicago

- Approved, October 5, 2007

FBOP Corporation, Oak Park, Illinois -- to acquire shares of CFS Bancorp, Inc., 

Munster, Indiana, and thereby acquire Citizens Financial Bank.

Chicago

- Approved, October 5, 2007

FBOP Corporation, Oak Park, Illinois -- to acquire shares of PFF Bancorp, Inc., 

Rancho Cucamonga, California, and thereby acquire PFF Bank and Trust, Pomona.

Chicago

- Approved, October 5, 2007

H.2 Actions under delegated authority September 30, 2007 to October 6, 2007

(A/C) = Addition or Correction Delegated - 4 of 8
Bank Holding Companies

FBOP Corporation, Oak Park, Illinois -- to acquire shares of Provident Financial 

Holdings, Inc., Riverside, California, and thereby acquire Provident Savings Bank, 

F.S.B.

Chicago

- Approved, October 5, 2007

First Alliance Bancshares, Inc., Cordova, Tennessee -- to become a bank holding 

company and to acquire First Alliance Bank.

St. Louis

- Withdrawn, October 4, 2007

First National Bancorp, Inc., Green Forest, Arkansas -- to engage in lending 

activities.

St. Louis

- Approved, October 5, 2007

Harleysville National Corporation, Harleysville, Pennsylvania -- to acquire shares of 

Berkshire Bancorp, Inc., Wyomissing, and thereby acquire Berkshire Bank.

Philadelphia

- Approved, October 2, 2007

HSH Nordbank AG, Hamburg, Germany -- to engage in financial and investment 

advisory activities through a joint venture investment in Estein & Associates USA, 

Ltd., Orlando, Florida.

New York

- Approved, October 5, 2007

H.2 Actions under delegated authority September 30, 2007 to October 6, 2007

(A/C) = Addition or Correction Delegated - 5 of 8
Bank Holding Companies

Metropolitan BancGroup, Inc., Ridgeland, Mississippi -- to become a bank holding 

company and to acquire BancSouth Financial Corporation, Crystal Springs, and its 

subsidiary, Bank of the South.

Atlanta

- Withdrawn, October 5, 2007

Patterson Bancshares, Inc., Patterson, Louisiana -- to become a bank holding 

company and to acquire Patterson State Bank.

Atlanta

- Approved, October 5, 2007

The PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania -- to acquire 

Yardville National Bancorp, Hamilton, New Jersey, its subsidiary, Yardville National 

Bank, Yardville, and its investment in Bucks County Bank, Doylestown, 

Pennsylvania.

Cleveland

- Approved, October 1, 2007

Royal Bank of Scotland Group, plc, Edinburgh, Scotland, et al. -- to acquire ABN 

AMRO Holding N.V., Amsterdam, Netherlands, and thereby indirectly acquire 

LaSalle Bank National Association, Chicago, Illinois, and LaSalle Bank Midwest 

National Association, Troy, Michigan, including their Edge and agreement 

corporation subsidiaries, Standard Federal International LLC, Chicago,

Illinois, and LaSalle Trade Services Corporation.

Boston

- Withdrawn, October 1, 2007

H.2 Actions under delegated authority September 30, 2007 to October 6, 2007

(A/C) = Addition or Correction Delegated - 6 of 8
Bank Mergers

 The Citizens Banking Company, Sandusky, Ohio -- to purchase certain assets and 

assume certain liabilities of Miami Valley Bank, Lakeview.

Cleveland

- Approved, October 4, 2007

Change In Bank Control

Investors Financial Corporation of Pettis County, Inc., Sedalia, Missouri -- change in 

bank control.

Kansas City

- Permitted, October 2, 2007

Extensions Of Time

Gerber Bancshares, Inc., Argenta, Illinois -- extension to January 11, 2008, to 

become a bank holding company and to acquire The Gerber State Bank.

Chicago

- Granted, October 5, 2007

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to January 27, 

2008, to establish a branch at Yuma and Watson Roads, Buckeye, Arizona.

Chicago

- Granted, October 3, 2007

Financial Holding Companies 

Hypo Real Estate Holding, AG, Munich, Germany -- election to be treated as a 

financial holding company.

Director, BS&R

- Effective, October 5, 2007

H.2 Actions under delegated authority September 30, 2007 to October 6, 2007

(A/C) = Addition or Correction Delegated - 7 of 8
Financial Holding Companies 

RFS Holdings B.V., Amsterdam, the Netherlands; Fortis Bank Nederland (Holding) 

N.V., Utrecht; and Santander Holanda B.V., Delft -- elections to be treated as 

financial holding companies upon acquisition of control of ABN Amro Holding 

N.V., Amsterdam.

Director, BS&R

- Announced, October 2, 2007

West Bancorporation, Inc., West Des Moines, Iowa -- election to become a financial 

holding company.

Chicago

- Effective, October 2, 2007

Membership

Bank of Glen Ullin, Glen Ullin, North Dakota -- to become a member of the Federal 

Reserve System.

Minneapolis

- Approved, October 5, 2007

Bay Financial Savings Bank, F.S.B., Tampa, Florida -- to become a member of the 

Federal Reserve System on conversion to a state-chartered commercial bank, to be 

known as Bay Bank.

Atlanta

- Withdrawn, October 1, 2007

H.2 Actions under delegated authority September 30, 2007 to October 6, 2007

(A/C) = Addition or Correction Delegated - 8 of 8
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending October 6, 2007

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending October 6, 2007

Filer Filing Type Filing Proposal End of Comment Period

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:

Investment Not applicable

Not applicable

30 days' prior notice by Citibank, N.A., Las 

Vegas, Nevada, and Citibank Overseas 

Investment Corporation, New Castle, Delaware, 

under Section 25A of the Federal Reserve Act 

and Section 211.9(f) of Regulation K, to make an 

additional investment in Egg Banking plc 

("Egg") in excess of the general consent limits 

of Section 211.9(b)(2) of Regulation K.

CITIBANK, N.A.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

DekaBank Deutsche Girozentrale, Frankfurt am 

Main, Germany, to establish a representative 

office in New York, New York, pursuant to 

Section 211.24(a)(1) of Regulation K.

DGZ DEKABANK DEUTSCHE 

KOMMUNALBANK

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

International Bank of Azerbaijan, Baku, 

Azerbaijan, to establish a representative office 

in New York, New York, pursuant to Section 

10(a) of the International Banking Act, as 

amended, and Section 211.24(a)(1) of Regulation 

K.

INTERNATIONAL BANK OF 

AZERBAIJAN

Newspaper:

Federal Register:

* 3A3

4c8

* 18C

* Branch

* 3A3

10/24/2007

10/29/2007

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

M&T Bank Corporation, Buffalo, New York 

("M&T") request permission for M&T to (i) 

acquire 100 percent of the outstanding shares of 

Partners Trust Financial Group, Utica, New York 

("Partners Trust") and merge Partners Trust 

with and into M&T, and thereby to acquire 

Partners Trust's wholly-owned bank subsidiary, 

Partners Trust Municipal Bank, Utica, New 

York, and also thereby to acquire Partners Trust 

Bank, Utica, New York, and thereby operate a 

federal savings bank, and (ii) to acquire Partners 

Trust's wholly-owned direct and indirect 

non-banking subsidiaries, pursuant to Sections 

3(a)(3), 4(c)(8) and 4(j) of the Bank Holding 

Company Act of 1956, as amended, and 

Sections 225.15 and 225.24 of Regulation Y. 

In addition, Manufacturers and Traders Trust 

Company, Buffalo, New York, ("M&T Bank") to 

merge with Partners Trust Bank and Partners 

Trust Municipal Bank, with M&T Bank as the 

surviving entity, pursuant to Section 18(c) of 

the Federal Deposit Insurance Act, and in 

connection therewith, to retain the branches at 

the current branch locations of Partners Trust 

Bank, pursuant to Section 9 of the Federal 

Reserve Act.

M&T BANK CORPORATION

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

Federal Reserve Bank of New York

Filings received during the week ending October 6, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

10/24/2007

Notice by Standard Chartered PLC, Standard 

Chartered Holdings Limited, and Standard 

Chartered Bank, all of London, United Kingdom, 

for prior approval of the Board of Governors of 

the Federal Reserve System (the "Board"), 

pursuant to Section 4(c)(8) of the Banking 

Holding Company Act of 1956, as amended, and 

Section 225.24 of the Board's Regulation Y, to 

acquire Harrison Lovegrove & Co. Limited and 

subsidiary Harrison Lovegrove Americas L.P., 

thereby engaging in certain nonbanking 

activities pursuant to Sections 225.28(b)(6)(iii) 

and (b)(7(iii) of Regulation Y.

STANDARD CHARTERED PLC

* 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 October 6, 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 October 6, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

10/11/2007

First Corbin Bancorp, Inc. proposed acquistion 

of Eagle Fidelity, Inc. and it's subsidiary bank 

Eagle Bank, Inc pursuant to section 3(a)(5) of 

the BHCA.

FIRST CORBIN BANCORP, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

North Side Deposit Bank and Trust Company, 

Cincinnati, OH to establish a branch at State 

Route 22 and US 48, Maineville, OH.

NORTH SIDE BANK AND TRUST 

COMPANY, THE

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Application by PNC Bank, Delaware, 

Wilmington, Delaware, to acquire by merger 

Delaware Sterling Bank & Trust Company, 

Christiana, Delaware

PNC BANK, DELAWARE

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending October 6, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 10/24/2007

10/29/2007

SCBT Financial Corporation, Columbia, South 

Carolina, to acquire 100% of the voting 

securities of TSB Financial Corporation, 

Charlotte, North Carolina, and thereby indirectly 

acquire The Scottish Bank, Charlotte, North 

Carolina.

SCBT FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

SNS Property Finance B.V., Hoevelaken, 

Netherlands, to establish a representative office 

in Reston, Virginia.

SNS PROPERTY FINANCE B.V.

Newspaper:

Federal Register:

* 4c8 Not available

Not available

Summit Financial Group, Inc., Moorefield, West 

Virginia, to acquire 100% of the voting 

securities of Greater Atlantic Financial Corp., 

Reston, Virginia, and thereby indirectly acquire 

Greater Atlantic Bank, Reston, Virginia.

SUMMIT FINANCIAL GROUP, 

INC.

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending October 6, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of North Florida, Jacksonville, Florida, to 10/14/2007

establish a branch located at 3704 84th Avenue 

Circle East, Sarasota, Florida.

BANK OF NORTH FLORIDA

Newspaper:

Federal Register:

4c8 Not applicable

10/23/2007

CapGen Capital Group LLC, Washington, DC, 

to directly engage de novo in acting as agent 

for the private placement of securities.

CAPGEN CAPITAL GROUP LLC

Newspaper:

Federal Register:

* Branch

Not applicable

Community Bank of West Georgia, Villa Rica, 10/26/2007

Georgia, to establish a branch located at 401 

Adamson Square, Carrollton, Georgia.

COMMUNITY BANK OF WEST 

GEORGIA

Newspaper:

Federal Register:

* 3A1 10/31/2007

11/02/2007

FGB Holding Company, to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of First Guaranty Bank 

and Trust Company of Jacksonville, both of 

Jacksonville, Florida.

FGB HOLDING COMPANY

Newspaper:

Federal Register:

* 3A1 10/16/2007

11/02/2007

Franklin Financial Network, Inc., Franklin, 

Tennessee, to become a bank holding company 

by acquiring 100 percent of Franklin Synergy 

Bank, Franklin, Tennessee (in organization).

FRANKLIN FINANCIAL 

NETWORK, INC.

Newspaper:

Federal Register:

* 3A5 10/26/2007

10/29/2007

Pinnacle Financial Partners, Inc., Nashville, 

Tennessee, to merge with Mid-America 

Bancshares, Inc., and thereby acquire its 

subsidiaries, Bank of the South, Mt. Juliet, 

Tennessee, and PrimeTrust Bank, Nashville, 

Tennessee.

PINNACLE FINANCIAL 

PARTNERS, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 10/16/2007

establish branches at the following locations: 

Highway 94 and Florence Drive, St. Charles, 

Missouri, to be known as the St. Charles 

Branch; Campbell Drive and Kingman Road, 

Homestead, Florida, to be known as the 

Homestead Branch; Main Street and US 

Highway 41, Cartersville, Georgia, to be known 

as the Cartersville Main Street Branch; 1400 

Augusta Road, Greenville, South Carolina, to be 

known as the Augusta Road Branch; the corner 

of Pelham Road and Old Boiling Springs Road, 

Greenville, South Carolina, to be known as the 

Pelham Road Branch; and 1614 Hendricks 

Avenue, Jacksonville, Florida, to be known as 

the San Marco Branch.

REGIONS 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 October 6, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 09/22/2007

09/28/2007

Bank of Montreal, Montreal, Canada, Harris 

Financial Corp., Chicago, Illinois, and Harris 

Bankcorp, Inc., Chicago, Illinois, to acquire 100 

percent of the voting shares of Merchants and 

Manufacturers Bancorporation, Inc., New 

Berlin, Wisconsin, Merchants Merger Corp., 

Brookfield, Wisconsin, and Merchants New 

Merger Corp., Brookfield, Wisconsin, and 

thereby indirectly acquire Lincoln State Bank, 

Milwaukee, Wisconsin, Grafton State Bank, 

Grafton, Wisconsin, Community Bank Financial, 

Oconto Falls, Wisconsin, The Reedsburg Bank, 

Reedsburg, Wisconsin, Fortress Bank, Westby, 

Wisconsin, Fortress Bank of Cresco, Cresco, 

Iowa, Wisconsin State Bank, Random Lake, 

Wisconsin, and 5.89 percent of the voting 

shares of Central Wisconsin Financial Services, 

Inc., Wausau, Wisconsin, and thereby 

indirectly acquire Bank of Wausau, Wausau, 

Wisconsin.

BANK OF MONTREAL

Newspaper:

Federal Register:

* 3A3 09/22/2007

09/28/2007

Bank of Montreal, Montreal, Canada, Harris 

Financial Corp., Chicago, Illinois, and Harris 

Bankcorp, Inc., Chicago, Illinois, to acquire 100 

percent of the voting shares of Ozaukee Bank, 

Cedarburg, Wisconsin.

BANK OF MONTREAL

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 10/29/2007

Capitol Bancorp, Ltd., Lansing, Michigan, to 

acquire 51 percent of the voting shares of 

Citizens Business Bank (in organization), 

Goodyear, Arizona, and by Capitol 

Development Bancorp Limited VII, Lansing, 

Michigan, to become a bank holding company 

by acquiring 51 percent of the voting shares of 

Citizens Business Bank (in organization), 

Goodyear, Arizona.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 4c8 Not available

11/05/2007

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VII, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Community Bank of Lincoln (in 

organization), Lincoln, Nebraska, and thereby 

operate a savings association.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 4c8 Not available

11/05/2007

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VI, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Brookhollow Bank (in 

organization), Irving, Texas, and thereby to 

operate a savings association.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 4c8 Not available

11/05/2007

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VI, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Bank of Fort Bend (in 

organization), Sugar Land, Texas, and thereby 

to operate a savings association.

CAPITOL BANCORP LTD.

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

Federal Reserve Bank of Chicago

Filings received during the week ending October 6, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/24/2007

Notice by James P. Stein, Muscatine, Iowa; 

Mary Ann Bramhall-Lambert, Muscatine, Iowa; 

Thomas L. Lambert, Muscatine, Iowa; Velma M. 

Lambert, Muscatine, Iowa; as a family acting in 

concert; and William M. Parks, Muscatine, 

Iowa, individually and in concert with Ann F. 

Parks, Muscatine, Iowa, to gain control of 

Central Bancshares, Inc., Muscatine,Iowa, and 

thereby indirectly Central State bank, 

Muscatine, Iowa; Farmers and Mechanics Bank, 

Galesburg, Illinois; Freedom Security Bank, 

Coralville, Iowa; and West Chester Savings 

Bank, Washington, Iowa.

CENTRAL BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish 

two branches to be located at 260 W. Grand 

Avenue, Escondido, California, and 412 

Washington Street, San Diego, California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish 

two branch facilities to be located at 11355 

South Street, Cerritos, California, and 2795 

Pacific Coast Highway, Torrance, California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish 

four branch facilities to be located at: 5940 

Fairmount Parkway, Pasadena, Texas; 14950 

Avery Ranch Blvd., Austin, Texas; 810 E. 

Whitestone Blvd., Bldg. C, Cedar Park, Texas, 

and at the southwest corner of Bee Caves Road 

and Westlake Drive, West Lake Hills, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* 3A1 Not available

11/05/2007

Greenfield Bancorporation, Ltd., Greenfield, 

Iowa, to become a bank holding company by 

acquiring 100 percent of Union State Bank, 

Greenfield, Iowa.

Greenfield Bancorporation, Ltd.

Newspaper:

Federal Register:

4c8 Not applicable

10/26/2007

Partnership Community Bancshares, Inc., 

Tomah, Wisconsin, proposes to engage de 

novo in extending credit and servicing loans.

PARTNERSHIP COMMUNITY 

BANCSHARES, 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

 2119773 HINSDALE B&TC, HINSDALE, ILLINOIS 06/04/2007 09/24/2007 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending October 6, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 10/22/2007

10/23/2007

Notice by Alexander Peyton Golden IV, Fort 

Smith, Arkansas, to gain control of ACME 

Holding Company, Inc. Employee Stock 

Ownership Plan, Mulberry, Arkansas.

ACME HOLDING COMPANY 

INC. EMPLOYEE STOCK 

OWNERSHIP PLAN

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

First Alliance Bancshares, Inc., Cordova, 

Tennessee, to become a bank holding company 

by acquiring 100 percent of First Alliance Bank, 

Cordova, Tennessee.

FIRST ALLIANCE 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 11/02/2007

10/29/2007

Home BancShares, Inc., Conway, Arkansas, to 

merge with Centennial Bancshares, Inc., Little 

Rock, Arkansas, and thereby indirectly acquire 

Centennial Bank, Kingsland, Arkansas.

HOME BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Triumph Bank, Memphis, Tennessee, to 09/24/2007

establish a branch facility to be located at 1130 

West Poplar Avenue, Collierville, Tennessee.

TRIUMPH BANK

* 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

 225559 BANK OF BARTLETT, BARTLETT, TENNESSEE 06/04/2007 09/26/2007 S Int Sm 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 October 6, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/12/2007

Change in control notice by Michael L. Frei, 

Pickstown, South Dakota to join a group acting 

in concert by acquiring shares of Commercial 

Holding Company, Wagner, South Dakota, and 

thereby indirectly acquiring control of 

Commercial State Bank, Wagner, South Dakota.

COMMERCIAL HOLDING 

COMPANY

Newspaper:

Federal Register:

* 3A5 Not available

11/05/2007

Dairyland Bancorp, Inc., Bruce, Wisconsin, to 

acquire 100 percent of Gilman Corporation, 

Gilman, Wisconsin, and thereby indirectly 

acquire State Bank of Gilman, Gilman, 

Wisconsin.

DAIRYLAND BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

10/29/2007

Hazen Bancorporation, Hazen, North Dakota, to 

increase its ownership of the outstanding stock 

of North Star Holding Company, Jamestown, 

North Dakota, to 16.67%, and thereby indirectly 

acquire Unison Bank, Jamestown, North Dakota.

HAZEN BANCORPORATION, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

10/29/2007

McIntosh County Bank Holding Company, 

Ashley, North Dakota, to increase its ownership 

of the outstanding stock of North Star Holding 

Company, Jamestown, North Dakota, to 33.33%, 

and thereby indirectly acquire Unison Bank, 

Jamestown, North Dakota.

MCINTOSH COUNTY BANK 

HOLDING COMPANY, INC.

Newspaper:

Federal Register:

* 3A3 Not available

10/29/2007

Wishek Bancorporation, Wishek, North Dakota, 

to increase its ownership of the outstanding 

stock of North Star Holding Company, 

Jamestown, North Dakota, to 33.33%, and 

thereby indirectly acquire Unison Bank, 

Jamestown, North Dakota.

WISHEK BANCORPORATION, 

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

 223751 BELT VALLEY BK, BELT, MONTANA 06/18/2007 10/02/2007 S Small Bank

 615253 FIRST ST BK OF MALTA, MALTA, MONTANA 06/12/2007 09/28/2007 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 October 6, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 11/01/2007

10/29/2007

3MV Bancorp, Inc., Omaha, Nebraska, to 

become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Access Bank, Omaha, Nebraska (in 

organization).

3MV BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

10/24/2007

Notification by the Regnier Trust (Ann Regnier, 

trustee), as general partner of the Robert D. and 

Ann Regnier Family Limited Partnership, 

Leawood, Kansas; Victor A. Regnier, Los 

Angeles, California; Catherine M. Regnier, 

Mission, Kansas; Ranch Mart Hardware (Robert 

D. Regnier, president), Shawnee Mission, 

Kansas; Regnier Investments, Shawnee 

Mission, Kansas; and Regnier Management 

LLC (Robert D. Regnier, managing member) as 

general partner of the Regnier Family Limited 

Partnership, Regnier Family Limited Partnership 

II, and the Regnier Family Limited Partnership 

III, all of Shawnee Mission, Kansas, as members 

of the Regnier Family Group to retain control of 

Blue Valley Ban Corp., parent of Bank of Blue 

Valley, both in Overland Park, Kansas.

BLUE VALLEY BAN CORP.

Newspaper:

Federal Register:

* 3A3 11/05/2007

10/29/2007

Bruning Bancshares, Inc., Bruning, Nebraska, to 

acquire up to 15 percent of the voting shares of 

3MV Bancorp, Inc., parent of Access Bank (in 

organization), both in Omaha, Nebraska.

BRUNING BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 10/12/2007

09/04/2007

Carroll County Bancshares, Inc., Carrollton, 

Missouri, to acquire up to 100 percent of the 

voting shares of Farmers and Merchants Bank, 

Hale, Missouri.

CARROLL COUNTY 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 10/04/2007

10/23/2007

Notification by Emmalie Cowherd, Carrollton, 

Missouri; Benjamin Polen, Carrollton, Missouri; 

Robert Cowherd, Carrollton, Missouri; Robert 

Schwandt, Red Lodge, Montana; Andrew 

Cowherd, Carrollton, Missouri; and Jonathan 

Cowherd, Carrollton, Missouri, to retain control 

of Carroll County Bancshares, Inc., Carrollton, 

Missouri, parent of Carroll County Trust 

Company, Carrollton, Missouri, as the Emmalie 

Gessner Cowherd Family group. Ms. Cowherd 

proposes to control shares held in her own 

name, through the Emmalie Gessner Cowherd 

Revocable Living Trust and through the Clifton 

R. Cowherd Estate. Messrs. Benjamin Polen, 

Robert Cowherd, Robert Schwandt, Andrew 

Cowherd and Jonathan Cowherd, Carrollton will 

control shares held in their own names. Both 

Andrew Cowherd and Jonathan Cowherd will 

also hold shares through the C.R. Cowherd 

Trust TUWFBO, Kansas City, Missouri.

CARROLL COUNTY 

BANCSHARES, INC.

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

Federal Reserve Bank of Kansas City

Filings received during the week ending October 6, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Cornerstone Bank, York, Nebraska, to merge 

with Bank of St. Edward, Saint Edward, 

Nebraska, and incident thereto, to establish a 

branch.

CORNERSTONE BANK

Newspaper:

Federal Register:

CIC Not available

10/23/2007

Notice by Jack L. Justice, Pauls Valley, 

Oklahoma, to acquire control of First Lindsay 

Corporation, parent of The First National Bank 

of Lindsay, both in Lindsay, Oklahoma, through 

the acquisition of voting shares.

FIRST LINDSAY CORPORATION

Newspaper:

Federal Register:

* 3A3 10/25/2007

10/26/2007

First Olathe Bancshares, Inc., Overland Park, 

Kansas, to acquire up to 99.88 percent of the 

voting shares of First National Bank of 

Scottsdale, Scottsdale, Arizona (in 

organization).

FIRST OLATHE BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

SolutionsBank, Overland Park, Kansas, to merge 10/29/2007

with Worth National Bank, Lake Worth, Texas, 

and incident thereto, to establish a branch.

SOLUTIONSBANK

Newspaper:

Federal Register:

* Branch

Not applicable

SolutionsBank, Overland Park, Kansas, to 10/25/2007

establish a branch at 10600 Mission Road, 

Leawood, Kansas.

SOLUTIONSBANK

* 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 October 6, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 10/20/2007

10/18/2007

NETEX Bancorporation, Mount Pleasant, Texas, 

to acquire 100 percent of City Bancorp, Inc., 

Wellington, Texas, and thereby indirectly 

acquire City Delaware Bancorp, Inc., Dover, 

Delaware, and Community Bank, Wellington, 

Texas.

NETEX BANCORPORATION

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending October 6, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 11/08/2007

11/05/2007

Castle Creek Capital Partners III, L.P., Castle 

Creek Capital III, LLC, Eggemeyer Capital LLC, 

Ruh Capital LLC, and Legions IV Advisory 

Corp., all of Rancho Santa Fe, California, to 

acquire up to 15 percent of Centennial Bank 

Holdings, Inc., and indirectly its subsidiary, 

Guaranty Bank and Trust Company, both of 

Denver, Colorado.

CASTLE CREEK CAPITAL 

PARTNERS III, L.P.

Newspaper:

Federal Register:

* Branch

Not applicable

Gold Canyon Bank, Gold Canyon, Arizona, to 10/05/2007

establish a branch office at 9299 W. Olive 

Avenue, Peoria Arizona.

GOLD CANYON BANK

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

The Shizuoka Bank, Ltd., Shizuoka, Japan, to 

establish a branch office at 600 Lexington 

Avenue, New York, New York, pursuant to 

section 7(d) of the International Banking Act.

SHIZUOKA BANK, LTD., THE

* 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