Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 8 

Week Ending February 21, 2009

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

Wells Fargo & Company, San Francisco, California -- request for temporary relief 

from the Board's risk-based and leverage capital guidelines, in connection with Wells 

Fargo's acquisition of Wachovia Corporation, Charlotte, North Carolina.

- Granted, February 19, 2009

Monetary and Financial Policy

Monetary Policy -- Monetary Policy Report to the Congress.

- Authorized, February 19, 2009

Testimony and Statements

Monetary Policy -- testimony by Chairman Bernanke before the Senate Committee 

on Banking, Housing, and Urban Affairs on February 24 and before the House 

Committee on Financial Services on February 25, 2009, on the semiannual Monetary 

Policy Report to the Congress.

- Discussed, February 20, 2009

Enforcement

Corus Bankshares, Inc., Chicago, Illinois -- written agreement with the Federal 

Reserve Bank of Chicago.

- Announced, February 19, 2009

Florida Community Banks, Inc., Immokalee, Florida -- written agreement with the 

Federal Reserve Bank of Atlanta.

- Announced, February 19, 2009

Polk County Bancorporation, Inc., Johnston, Iowa -- written agreement with the 

Federal Reserve Bank of Chicago.

- Announced, February 19, 2009

H.2 Board Actions February 15, 2009 to February 21, 2009

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

Temecula Valley Bancorp, Inc., Temecula, California -- written agreement with the 

Federal Reserve Bank of San Francisco.

- Announced, February 19, 2009

H.2 Board Actions February 15, 2009 to February 21, 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 15, 2009 to February 21, 2009

Bank Branches, Domestic

PNC Bank, Delaware, Wilmington, Delaware -- to establish branches at 220 Town 

Center Drive, Millville; 19312 Lighthouse Plaza Boulevard, Rehoboth Beach; and 

25939 John J. Williams Highway, Long Neck.

Secretary

- Approved, February 19, 2009

TruPoint Bank, Grundy, Virginia -- to establish a branch at 600 East Main Street, 

Abingdon.

Richmond

- Approved, February 19, 2009

Bank Holding Companies

City State Bancorporation, Inc., Central City, Iowa -- to become a bank holding 

company and to acquire shares of MSB Corporation, Central City, and thereby 

indirectly control City State Bank.

Chicago

- Approved, February 17, 2009

Madison National Bancorp, Inc., Hauppauge, New York -- to become a bank holding 

company and to acquire Madison National Bank, Hauppauge.

New York

- Withdrawn, February 19, 2009

(A/C) = Addition or Correction Delegated - 1 of 4
Bank Holding Companies

Penseco Financial Services Corporation, Scranton, Pennsylvania -- waiver of 

application to acquire Old Forge Bank, Old Forge, in connection with its merger with 

Penseco's subsidiary bank, Penn Security Bank and Trust Company, Scranton.

Philadelphia

- Granted, February 20, 2009

Riverside Florida Holding Company, Cape Coral, Florida -- to become a bank 

holding company and to acquire Riverside Bank of the Gulf Coast, Cape Coral.

Atlanta

- Withdrawn, February 20, 2009

Change in Bank Control

Community Holdings Corporation, Palos Hills, Illinois -- change in bank control of 

Community and its subsidiary bank, Family Bank and Trust Company, Palos Hills.

Chicago

- Permitted, February 18, 2009

Mid America Banking Corporation, Columbia, Missouri -- change in bank control of 

Mid America and its subsidiary bank, Mid America Bank & Trust Company, Dixon.

St. Louis

- Permitted, February 20, 2009

Extensions of Time

American Heritage Bank, Sapulpa, Oklahoma -- extension to May 19, 2009, to 

establish a branch at the intersection of State Highway 117 (West 121st Street South) 

and South Vancouver Avenue, Glenpool.

Kansas City

- Granted, February 17, 2009

H.2 Actions under delegated authority February 15, 2009 to February 21, 2009

(A/C) = Addition or Correction Delegated - 2 of 4
Extensions of Time

Coastal Carolina Bancshares, Inc., Myrtle Beach, South Carolina -- extension to May 

21, 2009, to become a bank holding company and to acquire Coastal Carolina 

National Bank (in organization), Myrtle Beach.

Richmond

- Granted, February 19, 2009

Garnavillo Bank Corporation, Garnavillo, Iowa -- extension to May 21, 2009, to 

engage in extending credit and servicing loans.

Chicago

- Granted, February 19, 2009

Linden State Bank, Linden, Indiana -- extension to May 7, 2009, to merge with 

Farmers State Bank, New Ross, and thereby establish four branches.

Chicago

- Granted, February 18, 2009

Financial Holding Companies 

Eternity Holdings One Trust, Wilmington, Delaware, and Eternity Four-A Trust, 

Newark -- elections to be treated as financial holding companies in connection with 

their indirect controlling interest in Bank Hapoalim B.M., Tel Aviv, Israel.

Director, BS&R

- Effective, February 18, 2009

First Fabens Bancorporation, Inc., Fabens, Texas -- election to become a financial 

holding company.

Dallas

- Effective, February 19, 2009

H.2 Actions under delegated authority February 15, 2009 to February 21, 2009

(A/C) = Addition or Correction Delegated - 3 of 4
International Operations

J.P. Morgan International Finance Limited, Newark, Delaware -- to acquire First 

Data/Paymentech Canada Partner, ULC, Toronto, Canada, and thereby acquire an 

interest in Chase Paymentech Solutions.

Director, BS&R

- Approved, February 19, 2009

Regulations and Policies

Federal Open Market Committee -- minutes of the meeting on January 27-28 and the 

conference call on January 16, 2009.

FOMC

- Published, February 18, 2009

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

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

in the Philadelphia and Richmond Federal Reserve Districts.

Secretary

- Approved, February 13, 2009

(A/C)

H.2 Actions under delegated authority February 15, 2009 to February 21, 2009

(A/C) = Addition or Correction Delegated - 4 of 4
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending February 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

* 3A5

02/16/2009

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.

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3

* 3A5

Not available

Application filed by Middlesex Bancorp, MHC, 

Natick, Massachusetts to become a mutual bank 

holding company through the acquisition of 

100% of the voting shares of Middlesex Savings 

Bank, Natick, Massachusetts, pursuant to 

section 3(a)(1) of the BHC Act and to acquire 

through merger Service Bancorp, MHC, Service 

Bancorp Inc., and Strata Bank, all located in 

Medway, Massachusetts, pursuant to sections 

3(a)(3) and 3(a)(5) of the BHC Act

MIDDLESEX SAVINGS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Application by State Street Bank and Trust 02/27/2009

Company, Boston, Massachusetts to establish 

a de novo branch office at One Lincoln Street, 

Boston, Massachusetts, pursuant to section 9 

of the Federal Reserve Act and section 208.6 of 

Regulation H.

STATE STREET BANK AND 

TRUST COMPANY

* 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 Second Quarter of 2009 (April 1, 2009 - June 30, 2009)

Institution Location

BANK OF FALL RIVER CO-OP BK FALL RIVER, MASSACHUSETTS

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

Federal Reserve Bank of New York

Filings received during the week ending February 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

United Overseas Bank Limited, Singapore, to 

establish branches in Los Angeles and New 

York by upgrading its existing agencies, 

pursuant to Section 211.24(a)(1)(i)(A) of 

Regulation K.

UNITED OVERSEAS BANK 

LIMITED

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Second Quarter of 2009 (April 1, 2009 - June 30, 2009)

Institution Location

* Subject to the provisions of the Community Reinvestment Act
District: 3

Federal Reserve Bank of Philadelphia

Filings received during the week ending February 21, 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 Second Quarter of 2009 (April 1, 2009 - June 30, 2009)

Institution Location

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

Federal Reserve Bank of Cleveland

Filings received during the week ending February 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Farmers National Banc Corp, Canfield, Ohio, to 

acquire 100 percent of the voting shares of 

Butler Wick Trust Company, Youngstown, 

Ohio, and thereby engage in general trust 

activities

FARMERS NATIONAL BANC 

CORP.

* 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 Second Quarter of 2009 (April 1, 2009 - June 30, 2009)

Institution Location

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

Federal Reserve Bank of Richmond

Filings received during the week ending February 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Chesapeake Bank, Kilmarnock, Virginia, to 

increase its investment in bank premises

CHESAPEAKE 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 Second Quarter of 2009 (April 1, 2009 - June 30, 2009)

Institution Location

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

Federal Reserve Bank of Atlanta

Filings received during the week ending February 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 03/20/2009

03/13/2009

First State Bank of the Florida Keys Holding 

Company, to become a bank holding company 

by acquiring 100 percent of the outstanding 

shares of First State Bank of the Florida Keys, 

both of Key West, Florida.

FIRST STATE BANK OF THE 

FLORIDA KEYS HOLDING 

COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

Iberiabank, New Orleans, Louisiana, to establish 03/03/2009

a branch located at 10430 Perkins Road, Baton 

Rouge, Louisiana, to be known as the Perkins 

Branch.

IBERIABANK

Newspaper:

Federal Register:

* 3A1 03/12/2009

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:

* Branch

Not applicable

Progress Bank of Florida, Tampa, Florida, to 02/28/2009

establish a branch located at 15028 N. Dale 

Mabry Hwy.,Tampa, Florida.

PROGRESS BANK OF FLORIDA

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 02/27/2009

branch located at 1200 Beaver Creek Commons 

Drive, Apex, North Carolina, to be known as the 

Beaver Creek Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 02/28/2009

branch located at 2605 Ocoee Apopka Road, 

Ocoee, Florida, to be known as the Fountains 

West Office.

SUNTRUST BANK

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Second Quarter of 2009 (April 1, 2009 - June 30, 2009)

Institution Location

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

Federal Reserve Bank of Chicago

Filings received during the week ending February 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

03/09/2009

Garnavillo Bank Corporation, Garnavillo, Iowa, 

proposes to engage de novo in the permissible 

nonbanking activity of insurance in small 

towns.

GARNAVILLO BANK 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

4c8 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 Second Quarter of 2009 (April 1, 2009 - June 30, 2009)

Institution Location

ALPINE BK IL ROCKFORD, ILLINOIS

BANKERS' BK MADISON, WISCONSIN

CENTRUE BK STREATOR, ILLINOIS

EAST DUBUQUE SVG BK DUBUQUE, IOWA

FIRST EAGLE BK HANOVER PARK, ILLINOIS

GRUNDY BK MORRIS, ILLINOIS

HINSDALE B&TC HINSDALE, ILLINOIS

IRWIN UNION B&TC COLUMBUS, INDIANA

LAKE FOREST B&TC LAKE FOREST, ILLINOIS

LOGAN CTY BK LINCOLN, ILLINOIS

MORTON CMNTY BK MORTON, ILLINOIS

NORTH SHORE CMNTY B&T WILMETTE, ILLINOIS

NORTHERN TC CHICAGO, ILLINOIS

OREGON CMNTY B&TC OREGON, WISCONSIN

PARAMOUNT BK FARMINGTON HILLS, MICHIGAN

ST CHARLES B&TC GENEVA, ILLINOIS

TOWN & CNTRY BK BUFFALO, ILLINOIS

TOWN & CNTRY BK SPRINGFIELD SPRINGFIELD, ILLINOIS

WARREN BK WARREN, MICHIGAN

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

Federal Reserve Bank of St. Louis

Filings received during the week ending February 21, 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 Second Quarter of 2009 (April 1, 2009 - June 30, 2009)

Institution Location

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending February 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/04/2009

03/11/2009

Notice by Michael John Finley, Janesville, 

Minnesota, to gain control of Janesville Holding 

Company and thereby indirectly gain control of 

Janesville State Bank, both of Janesville, 

Minnesota.

JANESVILLE HOLDING 

COMPANY

Newspaper:

Federal Register:

CIC Not available

Not available

Gary and Mary Ihry, Hope, North Dakota, Wade 

and Marilyn Ihry, Hope, North Dakota, Keith 

and Brenda Ihry, Hope, North Dakota, and Reed 

Ihry, Devils Lake, North Dakota, as a group 

acting in concert, to acquire control of Quality 

Bankshares, Inc., Fingal, North Dakota, and 

thereby indirectly gain control of Quality Bank, 

Fingal, North Dakota.

QUALITY BANKSHARES, 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

NONE

CRA Examinations scheduled for Second Quarter of 2009 (April 1, 2009 - June 30, 2009)

Institution Location

FIRST INTRST BK BILLINGS, MONTANA

FIRST SECURITY BK OF MALTA MALTA, MONTANA

NORTHWESTERN BK CHIPPEWA FALLS, WISCONSIN

PIONEER BK MAPLETON, MINNESOTA

RAVALLI COUNTY BK HAMILTON, MONTANA

SUMMIT CMNTY BK MAPLEWOOD, MINNESOTA

UNITED BKR BK BLOOMINGTON, MINNESOTA

WELCOME ST BK WELCOME, MINNESOTA

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

Federal Reserve Bank of Kansas City

Filings received during the week ending February 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 03/08/2009

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 Not available

4c8 03/20/2009

CrossFirst Holdings, LLC, to become a bank 

holding company through the acquisition of up 

to 100 percent of the voting shares of 

CrossPoint Bank, both in Overland Park, 

Kansas. CrossFirst Holdings, LLC, to acquire 

100 percent of CrossFirst Advisors, LLC, both 

in Overland Park, Kansas, and thereby engage 

in financial and investment advisory activities 

and management consulting and counseling 

activities.

CROSSFIRST HOLDINGS, LLC

Newspaper:

Federal Register:

* 3A1 Not available

4c8 03/11/2009

FSB Investments, LLC, Oklahoma City, 

Oklahoma, to become a bank holding company 

through the acquisition of up to 53.89 percent of 

the voting shares of MidWest Community 

Financial Corporation, Midwest City, Oklahoma, 

parent of The First State Bank, Canute, 

Oklahoma. FSB Investments, LLC, Oklahoma 

City, Oklahoma, to acquire 100% of American 

Resource Mortgage, Inc., Midwest City, 

Oklahoma, and thereby engage in the 

origination of mortgage loans.

FSB INVESTMENTS LLC

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Norbank, North Kansas City, Missouri, to merge 

with Country Club Bank, N.A., Shawnee 

Mission, Kansas, and incident thereto to 

establish fourteen branches, and to operate 

under the title of Country Club Bank, Kansas 

City, Missouri.

NORBANK

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Norbank, (to be known as Country Club Bank), 

Kansas City, Missouri, to become a member of 

the Federal Reserve System.

NORBANK

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, and 

to operate a full-service branch at such location.

PLATTE VALLEY BANK

* 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 Second Quarter of 2009 (April 1, 2009 - June 30, 2009)

Institution Location

1ST BK EVANSTON, WYOMING

ADAMS B&TC OGALLALA, NEBRASKA

AMERICAN ST B&TC NA GREAT BEND, KANSAS

CITIZENS ST BK MILTONVALE, KANSAS

COMMUNITY B&TC NEOSHO, MISSOURI

COMMUNITY BK RAYMORE, MISSOURI

FIRST NB OF MO LEES SUMMIT, MISSOURI

FIRST WESTROADS BK OMAHA, NEBRASKA

UNION ST BK EVEREST, KANSAS

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

Federal Reserve Bank of Dallas

Filings received during the week ending February 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

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

Newspaper:

Federal Register:

* 3A1 03/15/2009

03/20/2009

Valliance Texas Financial Holdings, Inc,. 

McKinney, Texas, to become a bank holding 

company by acquiring 100 percent of Valliance 

Bank, McKinney, Texas.

VALLIANCE TEXAS FINANCIAL 

HOLDINGS, 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 Second Quarter of 2009 (April 1, 2009 - June 30, 2009)

Institution Location

COMMUNITY BK GRANBURY, TEXAS

CROWELL ST BK CROWELL, TEXAS

TEXAS COASTAL BK PASADENA, TEXAS

TRADITION BK HOUSTON, TEXAS

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

Federal Reserve Bank of San Francisco

Filings received during the week ending February 21, 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

* 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 Second Quarter of 2009 (April 1, 2009 - June 30, 2009)

Institution Location

* Subject to the provisions of the Community Reinvestment Act