Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 44 

Week Ending October 31, 2009

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

Regulatory Reform -- statement by Governor Tarullo before the House Committee on 

Financial Services on systemic regulation, prudential matters, resolution authority, 

and securitization.

- Published, October 29, 2009

Forms

Forms -- initial Board review (1) to extend with revision the government securities 

dealers reports (FR 2004)and (2) to conduct a voluntary survey of the foreign 

exchange and derivatives markets, the Central Bank Survey of Foreign Exchange and 

Derivatives Market Activity (FR 3036).

- Proposed, October 27, 2009

Regulations and Policies

Commercial Real Estate (CRE) Loan Workouts -- interagency policy statement to 

provide guidance on prudent CRE loan workouts.

- Announced, October 30, 2009

Regulation W (Transactions Between Member Banks and Their Affiliates) -- 

expiration of a temporary exemption on October 30, 2009, from section 23A of the 

Federal Reserve Act and Regulation W that allowed all insured depository 

institutions to provide liquidity to their affiliates for assets typically funded in the 

tri-party repurchase agreement market, subject to safety-and-soundness conditions.

- Announced, October 30, 2009

Reserve Bank Services

Federal Reserve Priced Services -- 2010 fee schedules for priced services and 

electronic access, and the private sector adjustment factor.

- Approved, October 30, 2009

H.2 Board Actions October 25, 2009 to October 31, 2009

(A/C) = Addition or Correction Board - Page 1 of 3
Enforcement

Ames Community Bank, Ames, Iowa -- written agreement with the Federal Reserve 

Bank of Chicago and the Iowa Division of Banking, Superintendent of Banking.

- Announced, October 27, 2009

Cascade Bancorp, Bend, Oregon -- written agreement with the Federal Reserve Bank 

of San Francisco and the Oregon Department of Consumer and Business Services, 

Division of Finance and Corporate Securities.

- Announced, October 28, 2009

EvergreenBancorp, Inc., Seattle, Washington -- written agreement with the Federal 

Reserve Bank of San Francisco.

- Announced, October 28, 2009

First Banking Center, Inc., Burlington, Wisconsin, and First Banking Center -- 

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

Wisconsin Department of Financial Institutions.

- Announced, October 29, 2009

Ogden BancShares, Inc., Boone, Iowa -- written agreement with the Federal Reserve 

Bank of Chicago.

- Announced, October 27, 2009

SolutionsBank, Overland Park, Kansas -- issuance of a consent prompt corrective 

action directive against the bank.

- Announced, October 27, 2009

VisionBank of Iowa, West Des Moines, Iowa -- written agreement with the Federal 

Reserve Bank of Chicago and the Iowa Division of Banking, Superintendent of 

Banking.

- Announced, October 27, 2009

H.2 Board Actions October 25, 2009 to October 31, 2009

(A/C) = Addition or Correction Board - Page 2 of 3
Enforcement

West Tennessee Bancshares, Inc., Bartlett, Tennessee, and Bank of Bartlett -- written 

agreement with the Federal Reserve Bank of St. Louis.

- Announced, October 29, 2009

H.2 Board Actions October 25, 2009 to October 31, 2009

(A/C) = Addition or Correction Board - Page 3 of 3
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

October 25, 2009 to October 31, 2009

Bank Branches, Domestic

Compass Bank, Birmingham, Alabama -- to establish a branch at 5576 Grove 

Boulevard, Hoover.

Atlanta

- Approved, October 28, 2009

Compass Bank, Birmingham, Alabama -- to establish branches at 15580 East 104th 

Avenue, Commerce City, Colorado, and 2640 East Harmony Road, Fort Collins.

Atlanta

- Approved, October 29, 2009

First State Bank of Dequeen, Dequeen, Arkansas -- to establish a branch at 108 

Highway 27 Bypass, Nashville.

St. Louis

- Approved, October 30, 2009

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to establish a branch at 1000 

Milwaukee Avenue, Burlington.

Chicago

- Approved, October 29, 2009

Orange County Trust Company, Middletown, New York -- to establish a branch at 

146 North Church Street, Goshen.

New York

- Approved, October 28, 2009

(A/C) = Addition or Correction Delegated - 1 of 5
Bank Branches, Domestic

Presidio Bank, San Francisco, California -- to establish a branch at 325 Lytton 

Avenue, Palo Alto.

San Francisco

- Approved, October 29, 2009

Bank Holding Companies

1st Pacific Bancorp, San Diego, California -- for FB Bancorp, San Diego, to acquire 

1st Pacific Bancorp, and thereby indirectly acquire 1st Pacific Bank of California, 

and subsequently merge with and into 1st Pacific Bancorp in connection with the 

proposed merger of their subsidiary banks.

San Francisco

- Withdrawn, October 30, 2009

BCB Bancorp, Inc., Bayonne, New Jersey -- waiver of application to acquire 

Pamrapo Bancorp, Inc., Bayonne, in connection with the merger of their subsidiary 

banks, BCB Community Bank and Pamrapo Savings Bank, S.L.A.

New York

- Withdrawn, October 26, 2009

CBM Florida Holding Company, Bradenton, Florida -- to become a bank holding 

company and to acquire shares of Community Bank of Manatee, Bradenton.

Atlanta

- Approved, October 30, 2009

Community First Bancshares, Inc., Harrison, Arkansas -- to engage in lending 

activities (two notices).

St. Louis

- Approved, October 30, 2009

H.2 Actions under delegated authority October 25, 2009 to October 31, 2009

(A/C) = Addition or Correction Delegated - 2 of 5
Bank Holding Companies

FB Bancorp, San Diego, California -- to become a bank holding company and to 

acquire First Business Bank, National Association, San Diego, in connection with the 

proposed merger of First Business Bank with and into 1st Pacific Bank of California.

San Francisco

- Withdrawn, October 30, 2009

Max Bancorp, LLC, New York, New York -- to become a bank holding company 

and to acquire shares of Sandhills Holding Company, Inc., North Myrtle Beach, 

South Carolina, and indirectly acquire Sandhills Bank.

New York

- Approved, October 26, 2009

Nantahala Bancshares, Inc., Franklin, North Carolina -- to become a bank holding 

company and to acquire Nantahala Bank & Trust Company, Franklin.

Richmond

- Approved, October 29, 2009

Pratt Community Bancshares, Inc., Pratt, Kansas -- to become a bank holding 

company and to acquire First Pratt Bancshares, Inc., Pratt, and First National Bank in 

Pratt, Pratt.

Kansas City

- Approved, October 26, 2009

Truman Investment Group, Inc., St. Louis, Missouri -- to become a bank holding 

company and to acquire shares of Truman Bancorp, Inc., Clayton, and thereby 

indirectly acquire Truman Bank, St. Louis.

St. Louis

- Withdrawn, October 28, 2009

H.2 Actions under delegated authority October 25, 2009 to October 31, 2009

(A/C) = Addition or Correction Delegated - 3 of 5
Bank Mergers

1st Pacific Bank of California, San Diego, California -- to merge with First Business 

Bank, National Association, San Diego.

San Francisco

- Withdrawn, October 30, 2009

Change in Bank Control

Foundation Bancorp, Inc., Bellevue, Washington -- change in bank control of 

Foundation and its subsidiary bank, Foundation Bank, Bellevue.

San Francisco

- Permitted, October 30, 2009

Heritage Bancshares Group, Inc., Willmar, Minnesota -- change in bank control of 

Heritage and its subsidiary banks, Heritage Bank, N.A., Spicer, and Heritage Bank, 

N.A., Holstein.

Minneapolis

- Permitted, October 29, 2009

Neighbor Insurance Agency, Inc., Marion, Iowa -- to retain control of Neighbor and 

its subsidiary bank, Farmers State Bank, Marion.

Chicago

- Permitted, October 30, 2009

Saehan Bancorp, Los Angeles, California -- change in bank control of Saehan and its 

subsidiary bank, Saehan Bank, Los Angeles.

San Francisco

- Withdrawn, October 30, 2009

H.2 Actions under delegated authority October 25, 2009 to October 31, 2009

(A/C) = Addition or Correction Delegated - 4 of 5
Extensions of Time

Deutsche Bank AG, Frankfurt, Germany; Taunus Corporation, New York, New 

York; and Deutsche Bank Trust Corporation -- extension to February 28, 2010, to 

acquire Deutsche Bank Trust Company, National Association, New York.

New York

- Granted, October 30, 2009

Norlo, Inc., Prior Lake, Minnesota -- extension to January 27, 2010, to engage de 

novo in lending activities.

Minneapolis

- Granted, October 29, 2009

Peoples Community Bank, Montross, Virginia -- extension to May 10, 2010, to 

establish a branch at 5082 James Madison Parkway, King George.

Richmond

- Granted, October 28, 2009

Membership

Ally Bank, Midvale, Utah -- to become a member of the Federal Reserve System.

Chicago

- Withdrawn, October 27, 2009

First National Bank of Montana, Inc. (to be known as First Montana Bank, Inc.), 

Libby, Montana -- to become a member of the Federal Reserve System.

Minneapolis

- Approved, October 30, 2009

H.2 Actions under delegated authority October 25, 2009 to October 31, 2009

(A/C) = Addition or Correction Delegated - 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending October 31, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3

* 18C

11/18/2009

Charles River Bancorp, MHC and Charles River 

Bancorp, Inc., both of Medway, Massachusetts, 

to become a mutual bank holding company and 

stock bank holding company, respectively, by 

acquiring Charles River Bank, Medway, 

Massachusetts, pursuant to sections 3(a)(1) 

and 3(a)(3) of the Bank Holding Company Act 

of 1956, as amended.

CHARLES RIVER BANCORP, 

MHC

* 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 31, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citibank, N.A., Las Vegas, Nevada and Citibank 

Overseas Investment Corporation, New Castle, 

Delaware, pursuant to Section 211.9(f) of 

Regulation K, to make an investment in Citibank 

Belgium S.A./N.V., Brussels, Belgium.

CITIBANK, N.A.

* 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 31, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/27/2009

Patriot Financial Partners, GP, L.P., Patriot 

Financial Partners, L.P., Patriot Financial 

Partners Parallel, L.P., Patriot Financial Partners, 

GP, LLC, Patriot Financial Managers, L.P., and 

Messrs. Ira M. Lubert, W. Kirk Wycoff and 

James J. Lynch, all of Philadelphia, 

Pennsylvania, to purchase up to 14.9 percent of 

Heritage Oakes Bancorp, parent of Heritage 

Bank, both in Paso Robles, CA.

PATRIOT FINANCIAL 

PARTNERS

Newspaper:

Federal Register:

CIC 11/13/2009

11/13/2009

Patriot Financial Partners, GP, L.P., Patriot 

Financial Partners, L.P., Patriot Financial 

Partners Parallel, L.P., Patriot Financial Partners, 

GP, LLC, Patriot Financial Managers, L.P., and 

Messrs. Ira M. Lubert, W. Kirk Wycoff and 

James J. Lynch, all of Philadelphia, 

Pennsylvania, to purchase up to 19.9 percent of 

TIB Financial Corp., Naples, Florida.

PATRIOT FINANCIAL 

PARTNERS LP

* 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 31, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending October 31, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

The Farmers Bank of Appomattox, Appomattox, 11/16/2009

Virginia, to acquire certain assets and assume 

certain liabilities of the Farmville, Virginia, 

branch office of StellarOne Bank, 

Christiansburg, Virginia.

FARMERS BANK OF 

APPOMATTOX, THE

* 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 31, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 31, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

11/16/2009

Ida Grove Bancshares, Inc., Ida Grove, Iowa, 

proposes to engage de novo in leasing personal 

or real property.

IDA GROVE BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 10/05/2009

10/09/2009

Notice by TRSD Holdings, LP, Warren, 

Michigan, and its general partner, the Thomas 

Fabbri Revocable Trust, Thomas Fabbri, as 

trustee, Sterling Heights, Michigan, to acquire 

more than 10 percent of the voting shares of 

Level One Bancorp, Inc., Farmington Hills, 

Michigan, and thereby indirectly acquire control 

of Level One Bank, Farmington Hills, Michigan.

LEVEL ONE BANCORP, INC.

Newspaper:

Federal Register:

CIC 11/15/2009

11/12/2009

Notice by Ronald R. Reed, St. Clair, Michigan, 

to retain 19 percent of the voting shares of 

Michigan Community Bancorp, Ltd., Sterling 

Heights, Michigan, and thereby indirectly 

acquire Lakeside Community Bank, Sterling 

Heights, Michigan.

MICHIGAN COMMUNITY 

BANCORP LTD.

* 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 October 31, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

The Bank of Fayette County, Moscow, 

Tennessee, to establish a branch facility to be 

located at 574 Mulberry, Selmer, Tennessee.

BANK OF FAYETTE COUNTY 

THE

Newspaper:

Federal Register:

* 3A3 11/13/2009

11/23/2009

Central Bancompany, Inc., Jefferson City, 

Missouri, to acquire 100 percent of Overland 

Bancorp, Inc., Belton, Missouri, and thereby 

indirectly acquire Bank of Belton, Belton, 

Missouri.

CENTRAL BANCOMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank, Creve Coeur, Missouri, to establish a 11/09/2009

branch facility to be located at 9801 Westheimer 

Road, 11th Floor, Houston, Texas.

FIRST BANK

Newspaper:

Federal Register:

* 3A3 11/23/2009

11/30/2009

First National Security Company, Hot Springs, 

Arkansas, to acquire 100 percent of Heritage 

Capital Corporation, Jonesboro, Arkansas, and 

thereby indirectly acquire Heritage Bank, 

Jonesboro, Arkansas.

FIRST NATIONAL SECURITY 

COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

First State Bank of De Queen, De Queen, 10/23/2009

Arkansas, to establish a branch facility to be 

located at 108 Highway 27 Bypass, Nashville, 

Arkansas.

FIRST STATE BANK OF 

DEQUEEN

Newspaper:

Federal Register:

* Branch

Not applicable

Flora Bank & Trust, Flora, Illinois, to establish a 11/12/2009

branch facility to be located at 330 North Route 

45, Louisville, Illinois.

FLORA BANK & TRUST

Newspaper:

Federal Register:

* 3A3 Not available

11/30/2009

Porter Bancorp, Inc., Louisville, Kentucky, to 

acquire 100 percent of Citizens First 

Corporation, Bowling Green, Kentucky, and 

thereby indirectly acquire Citizens First Bank, 

Bowling Green, Kentucky.

PORTER BANCORP, INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending October 31, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/17/2009

Notice by Mary Jean Jensen, Lemmon, South 

Dakota, to retain and acquire shares of Faith 

Bank Holding Company, Faith, South Dakota, 

and thus to join a group acting in concert, 

consisting of Carveth and Margaret Thompson, 

Lead, South Dakota; Gary and Nancy Vance, 

Faith, South Dakota; Eldon Jensen, Lemmon, 

South Dakota; and Morris Gustafson, Faith, 

South Dakota, which controls 25 percent or 

more of Faith Bank Holding Company. Faith 

Bank Holding Company controls Farmer's State 

Bank, Faith, South Dakota.

FAITH BANK HOLDING 

COMPANY

Newspaper:

Federal Register:

CIC Not available

10/21/2009

Belva H. Rasmussen 2009 Grantor Retained 

Annuity Trust, Falcon Heights, Minnesota; and 

Eva B. Rasmussen, Edina, Minnesota; Pamela 

M. Harris, Falcon Heights, Minnesota; and 

Teresa J. Rasmussen Trangsrud, Orono, 

Minnesota, Trustees, to join a group acting in 

concert with Belva H. Rasmussen, individually, 

and with Belva H. Rasmussen, Teresa J. 

Rasmussen Trangsrud and Lyle Delwyche, 

trustees of the Walter C. Rasmussen Marital 

Trust Under Agreement dated December 26, 

1985, and the Walter C. Rasmussen Family Trust 

Under Agreement dated December 26, 1985 

(together, the "Rasmussen Family Group") to 

acquire 25 percent or more of Northeast 

Securities Corporation, Minneapolis, 

Minnesota. Northeast Securities Corporation 

controls Northeast Bank, Minneapolis, 

Minnesota.

NORTHEAST SECURITIES 

CORPORATION

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending October 31, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

Not applicable

Community Bank of Pleasant Hill, Pleasant Hill, 11/17/2009

Missouri, to purchase certain assets and 

assume certain liabilities of the Pleasant Hill, 

Missouri branch of BC National Banks, Butler, 

Missouri.

COMMUNITY BANK OF 

PLEASANT HILL

Newspaper:

Federal Register:

CIC 11/04/2009

11/03/2009

Notification by the Bonita M. Hegemann 

Irrevocable Trust, Newman Grove, Nebraska, 

and its trustees, Bonita M. Hegemann, Lindsay, 

Nebraska; and James B. Hegemann, Newman 

Grove, Nebraska; to acquire control of Lindsay 

State Company, parent of Bank of Lindsay, both 

in Lindsay, Nebraska. Notice by Lindsay State 

Company, Lindsay, Nebraska, to redeem 38.5 

percent of its outstanding common stock.

LINDSAY STATE COMPANY

Newspaper:

Federal Register:

CIC Not available

11/09/2009

Notice by Philip Eugene Jossi, and Marian 

Joanne Hardin, both of Kearney, Nebraska; 

James Andrew Bodyfield, Ericson, Nebraska; 

and Keith Weldon Carlson, Lincoln, Nebraska; 

to acquire control of Riverdale Bancshares, Inc., 

parent of State Bank of Riverdale, both in 

Riverdale, Nebraska, through the acquisition of 

voting shares.

RIVERDALE BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 11/30/2009

11/30/2009

Stockmens Limited Partnership and Stockmens 

Financial Corporation, Rapid City, South 

Dakota, to acquire 100 percent of the voting 

shares of Valentine Bancorporation, Valentine, 

Nebraska,and thereby indirectly acquire First 

National Bank of Valentine, Valentine, Nebraska.

STOCKMENS LIMITED 

PARTNERSHIP

Newspaper:

Federal Register:

CIC

Not available

Notice submitted by David G. Trimble, Vici, 10/21/2009

Oklahoma, as trustee of the Glenn W. Trimble, 

Jr. Trust, to retain control of Vici 

Bancorporation, and thereby indirectly retain 

control of Bank of Vici, both in Vici, Oklahoma.

VICI BANCORPORATION

* 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 31, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/18/2009

Notice by Gail S. Moran; Carroll E. and Holly L. 

Moran, individually; and Carroll E. Moran, as 

trustee of the Moran Irrevocable Trust, each of 

Rice, Texas, intends to apply to the Federal 

Reserve Board to acquire 23 percent or more of 

the outstanding shares of common stock and 

thereby control of Rice Bancshares, Inc., Rice, 

Texas, the parent company of The First State 

Bank, Rice, Texas.

RICE BANCSHARES, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending October 31, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Foreign Branch Not applicable

1)East West Bank, Pasadena, California, to 

acquire United Commercial Bank, San Francisco, 

California, and 2)East West Bank, Pasadena, 

California, to acquire California Canton 

International Bank Cayman Ltd, George Town, 

Cayman, Islands.

EAST WEST BANK

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

First Commercial Bank, Ltd., Taipei, Taiwan, to 

upgrade its New York Agency to a branch office 

pursuant to section 211.24(a)(2)(ii)(a) of 

Regulation K and section 7(d) of FBSEA.

FIRST COMMERCIAL BANK 

CO., LTD.

Newspaper:

Federal Register:

CIC

Not available

Notice by Rommel R. Medina and Ruell R. 08/07/2009

Medina, both of San Bruno, California, to 

acquire additional voting shares of MNB 

Holdings Corporation, and indirectly, voting 

shares of Mission National Bank, both of San 

Francisco, California.

MNB HOLDINGS CORPORATION

* 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