Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 10 

Week Ending March 7, 2009

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

Southern BancShares (N.C.), Inc., Mount Olive, North Carolina -- to increase its 

ownership up to 9.9 percent of the voting shares of ECB Bancorp, Inc., Engelhard, 

and its subsidiary bank, The East Carolina Bank.

- Approved, March 6, 2009

Forms

Forms -- final Board review to revise without extension the Consolidated Financial 

Statements for Bank Holding Companies (FR Y-9C) and Parent Company Only 

Financial Statements for Small Bank Holding Companies (FRY-9SP).

- Approved, March 6, 2009

Membership

ICE US Trust LLC, New York, New York -- to become a member of the Federal 

Reserve System, in connection with ICE's planned operation as a central counterparty 

and clearinghouse for certain credit default swaps.

- Approved, March 4, 2009

Monetary and Financial Policy

American International Group, Inc., New York, New York -- authorization for the 

Federal Reserve Bank of New York to take certain actions relating to its Revolving 

Credit Facility for AIG as part of a restructuring by the Department of the Treasury 

and the Federal Reserve of the government's assistance to help stabilize the company.

- Approved, March 1, 2009

Regulations and Policies

Regulation Z (Truth in Lending) -- publication for comment of amendments to revise 

the disclosure requirements for private student loans consistent with recent statutory 

changes under the Higher Education Opportunity Act of 2008.

- Approved, March 6, 2009

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

(A/C) = Addition or Correction Board - Page 1 of 2
Testimony and Statements

American International Group, Inc. -- statement by Vice Chairman Kohn before the 

Senate Committee on Banking, Housing, and Urban Affairs on the role of the Federal 

Reserve in stabilizing AIG.

- Published, March 5, 2009

The Economy and the Federal Budget -- statement by Chairman Bernanke before the 

Senate Committee on the Budget on current economic and financial conditions and 

the federal budget.

- Published, March 3, 2009

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

(A/C) = Addition or Correction Board - Page 2 of 2
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

March 1, 2009 to March 7, 2009

Bank Branches, Domestic

State Street Bank and Trust Company, Boston, Massachusetts -- to establish a branch 

at One Lincoln Street, Boston.

Boston

- Approved, March 4, 2009

SunTrust Bank, Atlanta, Georgia -- to establish branches at 1200 Beaver Creek 

Commons Drive, Apex, North Carolina, and 2605 Ocoee Apopka Road, Ocoee, 

Florida.

Secretary

- Approved, March 4, 2009

Bank Holding Companies

Cabool State Bank Employee Stock Ownership Plan, Cabool, Missouri -- to increase 

its ownership of Cabool Bancshares, Inc., Cabool, and thereby increase its control of 

Cabool State Bank.

St. Louis

- Approved, March 4, 2009

Tower Bancorp Inc., Greencastle, Pennsylvania -- to acquire Graystone Financial 

Corp., Lancaster, in connection with the merger of their respective subsidiaries, The 

First National Bank of Greencastle, Greencastle, and Graystone Bank, Lancaster.

Philadelphia

- Approved, March 3, 2009

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

Townsend Financial Corporation, Grove, Oklahoma -- to become a bank holding 

company and to acquire Bank of Grove, Grove.

Kansas City

- Approved, March 4, 2009

Bank Mergers

Rolling Hills Bank & Trust, Atlantic, Iowa -- to merge with The First National Bank 

of Brewster, Brewster, Minnesota, and thereby establish branches in Brewster and 

Worthington.

Chicago

- Approved, March 6, 2009

Texas First Bank, Texas City, Texas -- to purchase the assets and assume the 

liabilities of Texas First Bank - Winnie, Winnie, and thereby establish branches in 

Winnie, Baytown, and Fannett.

Dallas

- Approved, March 5, 2009

The Tilden Bank, Tilden, Nebraska -- to merge with Citizens State Bank, Clearwater, 

and thereby establish a branch.

Kansas City

- Withdrawn, March 2, 2009

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

(A/C) = Addition or Correction Delegated - 2 of 4
Change in Bank Control

The Community Group, Inc., Highland Village, Texas -- change in bank control of 

Community and its subsidiary bank, United Community Bank, N.A., Highland 

Village.

Dallas

- Permitted, March 4, 2009

Emprise Financial Corporation, Wichita, Kansas -- change in bank control of 

Emprise and its subsidiary bank, Emprise Bank, Wichita.

Kansas City

- Permitted, March 2, 2009

Extensions of Time

Empire State Bank, National Association, Newburgh, New York -- extension to 

April 17, 2009, to retain membership in the Federal Reserve System on conversion to 

a state charter.

New York

- Granted, March 6, 2009

First Community Financial Partners, Inc., Joliet, Illinois -- extension to June 11, 

2009, to acquire shares of Burr Ridge Bank and Trust (in organization), Burr Ridge.

Chicago

- Granted, March 2, 2009

NHB Holdings, Inc., Jacksonville, Florida, and Proficio Mortgage Ventures, LLC -- 

extension to May 6, 2009, to engage de novo in a joint venture with Home Avenue 

Mortgage, Clearwater, in conducting mortgage banking activities.

San Francisco

- Granted, March 5, 2009

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

(A/C) = Addition or Correction Delegated - 3 of 4
Extensions of Time

S & T Bancorp, Inc., Indiana, Pennsylvania -- extension to June 5, 2009, to acquire 

shares of Allegheny Valley Bancorp, Inc., Pittsburgh.

Cleveland

- Granted, March 5, 2009

Financial Holding Companies 

Eastwood Financial Corporation, Rochester, Minnesota, and Eastwood Financial 

Corporation Employee Profit Sharing and Stock Ownership Plan -- election to 

become financial holding companies.

Minneapolis

- Effective, March 4, 2009

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

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

Federal Reserve Bank of Boston

Filings received during the week ending March 7, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3

* 3A5

03/20/2009

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

* 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 March 7, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

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

and its subsidiary, BNY International Financial 

Corporation, New York, New York, pursuant to 

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

Financial Services plc, Dublin, Ireland.

BANK OF NEW YORK MELLON 

CORPORATION, THE

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

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

and its subsidiary, BNY International Financial 

Corporation, New York, New York, pursuant to 

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

additional investment in The Bank of New York 

Luxembourg S.A., Senningerb, Luxembourg.

BANK OF NEW YORK MELLON 

CORPORATION, THE

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Chemung Canal Trust Company, Elmira, New 

York for approval to merge with the Bank of 

Canton, Canton, Pennsylvania, pursuant to 

Section 18(c) of the Federal Deposit Insurance 

Act.

CHEMUNG CANAL TRUST 

COMPANY

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 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 March 7, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending March 7, 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 March 7, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Premier Financial Bancorp, Inc., Huntington, 

West Virginia, to acquire 100% of the voting 

securities of Abigail Adams National Bancorp, 

Inc., Washington, D.C., and thereby indirectly 

acquire The Adams National Bank, 

Washington, D.C., and Consolidated Bank and 

Trust Company, Richmond, Virginia.

PREMIER FINANCIAL 

BANCORP, 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 March 7, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Compass Bank, Birmingham, Alabama, to 03/17/2009

establish one mobile branch to service the 

following cities: Beaumont, Laredo, and 

McAllen, Texas.

COMPASS BANK

Newspaper:

Federal Register:

4c8 Not applicable

03/16/2009

Educational Services of America, Inc., and 

Educational Funding of the South, Inc, both of 

Birmingham, Alabama, to engage in community 

development activities.

EDUCATIONAL SERVICES OF 

AMERICA, INC.

* 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 March 7, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

04/03/2009

Grand River Commerce, Inc., Grandville, 

Michigan, to become a bank holding company 

by acquiring 100 percent of the voting shares of 

Grand River Bank (in organization), Grandville, 

Michigan.

GRAND RIVER COMMERCE, INC.

Newspaper:

Federal Register:

* 3A1 Not available

04/03/2009

Iowa River Bancorp, Inc., Tama, Iowa, to 

become a bank holding company by acquiring 

100 percent of Pinnacle Bank, Marshalltown, 

Iowa.

Iowa River Bancorp, Inc.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

OSB Financial Corporation, Brooklyn, Michigan, 

to become a bank holding company by 

acquiring 100 percent of the voting shares of 

OSB Community Bank, Brooklyn, Michigan.

OSB Financial Corporation

Newspaper:

Federal Register:

CIC Not available

03/24/2009

Notice by Robert C. Fick, Davenport, Iowa, for 

permission to acquire an additional 5 percent, 

for an aggregate ownership of 16 percent of 

River Valley Bancorp, Inc., Davenport, Iowa, 

and thereby indirectly Valley Bank, Moline, 

Illinois; Freedom Bank, Sterling, Illinois; and 

Valley Bank, Fort Lauderdale, Florida.

RIVER VALLEY BANCORP, 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

 130943 IRWIN UNION B&TC, COLUMBUS, INDIANA 08/25/2008 02/06/2009 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 March 7, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Ohio Valley Financial Group, Inc., Henderson, 

Kentucky, to increase its investment in bank 

premises in the amount of $115,963.

OHIO VALLEY FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Town & Country Bank, Salem, Missouri, to 

become a member of the Federal Reserve 

System.

TOWN & COUNTRY 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

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 March 7, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/09/2009

03/16/2009

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 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 March 7, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

The Bankers Bank, Oklahoma City, Oklahoma, to 02/15/2009

establish a branch at 1700 Redbud Boulevard, 

Suite 130, McKinney, Texas.

BANKERS BANK, THE

Newspaper:

Federal Register:

* 3A1 Not available

04/03/2009

CB Bancshares, Inc., Topeka, Kansas, to 

become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Citizens Bank of Weir, Weir, Kansas.

CB BANCSHARES, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 March 7, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Dallas, Texas, to establish a 

branch to be located at 858 B Street, Hayward, 

California 94541.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Dallas, Texas, to establish a 

branch to be located at 10939 Louetta Rd., 

Houston, Texas 77070.

COMERICA BANK

Newspaper:

Federal Register:

* 3A1 Not available

04/03/2009

Jourdanton Bancshares, Inc., Jourdanton, 

Texas, to become a bank holding company by 

acquiring 100 percent of Jourdanton State Bank, 

Jourdanton, Texas.

JOURDANTON 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 March 7, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

First Independent Bank of Nevada, Reno, 

Nevada, to become a member of the Federal 

Reserve System.

FIRST INDEPENDENT BANK OF 

NEVADA

* 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