Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 51 

Week Ending December 20, 2008

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

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

acquire National City Corporation, Cleveland, Ohio, and thereby indirectly acquire 

National City's subsidiary bank, National City Bank.

- Approved, December 15, 2008

Discount Rates

Discount and Advance Rates -- decrease in the primary credit rate from 1-1/4 percent 

to 1/2 percent by the Federal Reserve Banks of New York, Cleveland, Richmond, 

Atlanta, Chicago, St. Louis, Minneapolis, Kansas City, and San Francisco.

- Approved, December 16, 2008

Discount and Advance Rates -- decrease in the primary credit rate from 1-1/4 percent 

to 1/2 percent by the Federal Reserve Banks of Boston and Dallas.

- Approved, December 17, 2008

Discount and Advance Rates -- decrease in the primary credit rate from 1-1/4 percent 

to 1/2 percent by the Federal Reserve Bank of Philadelphia.

- Approved, December 18, 2008

Forms

Forms -- initial Board review (1) to extend with revision the Quarterly Report of 

Assets and Liabilities of Large Foreign Offices of U.S. Banks (FR 2502q) and 

Recordkeeping Requirements Associated with Regulation K (Reg K), (2) to 

implement the interagency Shared National Credit information collection (FR 2085), 

and (3) to pretest and execute the 2010 Survey of Consumer Finances (FR 3059).

- Proposed, December 16, 2008

H.2 Board Actions December 14, 2008 to December 20, 2008

(A/C) = Addition or Correction Board - Page 1 of 4
Forms

Forms -- final Board review to extend without revision the (1) Recordkeeping and 

Disclosure Requirements in Connection with Regulation B (Equal Credit 

Opportunity) (Reg B) and (2) Recordkeeping and Disclosure Requirements of 

Regulation E (Electronic Fund Transfers) (Reg E).

- Approved, December 18, 2008

Monetary and Financial Policy

Term Asset-Backed Securities Loan Facility -- revision of terms and conditions.

- Announced, December 19, 2008

Term Auction Facility -- TAF auction in the amount of $150 billion in 28-day credit 

on December 15, 2008.

- Announced, December 15, 2008

Term Auction Facility -- TAF auctions of 28-day credit on January 12, February 9, 

and March 9 and 84-day credit on January 26, February 23, and March 23, 2009.

- Announced, December 19, 2008

Regulations and Policies

Capital Adequacy Guidelines -- interagency final rule that would permit a banking 

organization to reduce the amount of its goodwill deduction from tier 1 capital by any 

associated deferred tax liability.

- Approved, December 15, 2008

H.2 Board Actions December 14, 2008 to December 20, 2008

(A/C) = Addition or Correction Board - Page 2 of 4
Regulations and Policies

Credit Card Accounts and Overdraft Services -- final amendments to Regulations AA 

(Unfair or Deceptive Acts or Practices) and Z (Truth in Lending) to prohibit certain 

unfair acts or practices and improve disclosures to consumers in connection with 

credit card accounts and other revolving credit plans; final amendments to Regulation 

DD (Truth in Savings) to address depository institutions' practices related to 

overdraft services; and publication for comment of proposed amendments to 

Regulation E (Electronic Fund Transfers) to provide certain consumer protections 

relating to the assessment of overdraft fees.

- Approved, December 18, 2008

Interest on Reserves -- amendments to Regulation D (Reserve Requirements of 

Depository Institutions) to establish an interest rate of 1/4 percent on required reserve 

balances and excess balances for reserve maintenance periods beginning December 

18, 2008.

- Approved, December 16, 2008

Payment System Risk Policy -- revisions to the Board's policy on Payment System 

Risk and decision not to pursue at this time proposed daylight-overdraft posting rules 

for ACH transfers.

- Approved, December 15, 2008

Reserve Bank Operations

Federal Reserve Bank Budgets -- operating and capital budgets for the Reserve 

Banks, Federal Reserve Information Technology, and the Office of Employee 

Benefits for 2009.

- Approved, December 17, 2008

Enforcement

Fifth Third Bank, Grand Rapids, Michigan -- issuance of a final decision and order of 

prohibition and restitution against Kelly M. Dulaney, a former employee.

- Announced, December 15, 2008

H.2 Board Actions December 14, 2008 to December 20, 2008

(A/C) = Addition or Correction Board - Page 3 of 4
Enforcement

The Templar Fund, Inc., St. Louis, Missouri; Truman Bancorp, Inc.; FFC Financial 

Corporation; and Truman Bank, Clayton -- written agreement with the Federal 

Reserve Bank of St. Louis.

- Announced, December 17, 2008

H.2 Board Actions December 14, 2008 to December 20, 2008

(A/C) = Addition or Correction Board - Page 4 of 4
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

December 14, 2008 to December 20, 2008

Bank Branches, Domestic

Compass Bank, Birmingham, Alabama -- to establish branches at 2134 Rayford 

Road, Spring, Texas; 14213 Cypress Rosehill Road, Cypress; and 11091 Broadway 

Street, Pearland.

Atlanta

- Approved, December 15, 2008

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

branches at 19209 A-B Chennault Way, Gaithersburg, Maryland; 5910 Executive 

Boulevard, Rockville; and 910 South Richland Avenue, Spring Garden Township, 

Pennsylvania.

New York

- Approved, December 19, 2008

Security Financial Bank, Durand, Wisconsin -- to establish a branch at 3506 

Oakwood Mall Drive, Suite A, Eau Claire.

Minneapolis

- Approved, December 18, 2008

Bank Holding Companies

BancTenn Corp., Kingsport, Tennessee -- to acquire shares of Paragon Commercial 

Corporation, Raleigh, North Carolina, and its subsidiary bank, Paragon Commercial 

Bank.

Atlanta

- Approved, December 19, 2008

(A/C) = Addition or Correction Delegated - 1 of 5
Bank Holding Companies

CapGen Capital Group II, LLC, New York, New York, and CapGen Capital Group 

II, LP -- to become bank holding companies and to acquire shares of PacWest 

Bancorp, San Diego, California, and thereby indirectly acquire Pacific Western Bank.

Richmond

- Approved, December 19, 2008

Florida Commerce Bancorp, Inc., Fort Myers, Florida -- relief from a commitment.

Atlanta

- Returned, December 18, 2008

Hampton Roads Bankshares, Inc., Norfolk, Virginia -- to acquire Gateway Financial 

Holdings, Inc., Virginia Beach, and thereby indirectly acquire its subsidiary bank, 

Gateway Bank and Trust Co., Elizabeth City, North Carolina.

Richmond

- Approved, December 16, 2008

High Country Bancorp, Inc., Salida, Colorado -- to become a bank holding company 

and to acquire High Country Bank, Salida.

Kansas City

- Withdrawn, December 16, 2008

Union State Banc Holding Company, Clay Center, Kansas -- to become a bank 

holding company and to acquire Union State Bank, Clay Center.

Kansas City

- Approved, December 17, 2008

H.2 Actions under delegated authority December 14, 2008 to December 20, 2008

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

Paramount Bank, Farmington Hills, Michigan -- to merge with Paramount Bank, Las 

Vegas, Nevada, and thereby establish a branch at 7795 West Sahara Avenue.

Chicago

- Approved, December 17, 2008

Banks, Foreign

Monte de Piedad y Caja de Ahorros San Fernando de Huelva, Jerez y Sevilla, Seville, 

Spain -- to establish a representative office in Miami, Florida.

Director, BS&R

- Approved, December 19, 2008

Change in Bank Control

Fife Commercial Bank 401K Employee Stock Ownership Plan, Fife, Washington -- 

to acquire an interest in Puget Sound Financial Services, Inc., Fife, and its subsidiary 

bank, Fife Commercial Bank. 

San Francisco

- Permitted, December 9, 2008

(A/C)

MNB Ventures, Inc., Mercedes, Texas -- change in control of MNB Ventures and its 

subsidiary bank, Texas National Bank, Mercedes.

Dallas

- Permitted, December 15, 2008

H.2 Actions under delegated authority December 14, 2008 to December 20, 2008

(A/C) = Addition or Correction Delegated - 3 of 5
Extensions of Time

Gateway Pacific Bancorp, National City, California -- extension to March 16, 2009, 

to become a bank holding company and to acquire Gateway Pacific Bank (in 

organization), National City.

San Francisco

- Granted, December 17, 2008

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

extension to March 18, 2009, to engage de novo in a joint venture with Mainsail 

Capital, Jacksonville, and Trinity Venture Partners in conducting mortgage banking 

activities.

San Francisco

- Granted, December 18, 2008

Orange County Trust Company, Middletown, New York -- extension to August 8, 

2009, to establish a branch at 91 Brookside Avenue, Middletown. 

New York

- Granted, December 19, 2008

Financial Holding Companies 

FSB Financial Services, Inc., Waterloo, Iowa -- election to become a financial 

holding company.

Chicago

- Effective, December 17, 2008

Tate Financial Corporation, Senatobia, Mississippi -- election to become a financial 

holding company.

St. Louis

- Effective, December 19, 2008

H.2 Actions under delegated authority December 14, 2008 to December 20, 2008

(A/C) = Addition or Correction Delegated - 4 of 5
Regulations and Policies

Regulation BB (Community Reinvestment) -- interagency annual adjustment to the 

asset-size exemption thresholds used to define "small bank" and "intermediate small 

bank" under the Community Reinvestment Act regulations.

Secretary

- Approved, December 16, 2008

Regulation C (Home Mortgage Disclosure) -- annual notice of the asset-size 

exemption threshold for depository institutions under the Home Mortgage Disclosure 

Act.

Director, C&CA

- Approved, December 17, 2008

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

amendments to Appendix A to reflect the restructuring of check processing 

operations in the Atlanta and St. Louis Federal Reserve Districts.

Secretary

- Approved, December 15, 2008

Regulation Z (Truth in Lending) -- extension to February 9, 2009, of the comment 

period on amendments to revise the disclosure requirements for mortgage loans 

consistent with recent statutory changes made by the Mortgage Disclosure 

Improvement Act.

Secretary

- Approved, December 15, 2008

Short-Term Interest Rates -- decrease in the target for the federal funds rate from 1 

percent by establishing a target range of 0 to 1/4 percent.

FOMC

- Approved, December 16, 2008

H.2 Actions under delegated authority December 14, 2008 to December 20, 2008

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

Federal Reserve Bank of Boston

Filings received during the week ending December 20, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending December 20, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

01/12/2009

Morgan Stanley, New York, New York, to acquire 

additional common shares up to 9.9 percent of the 

outstanding common shares of Chinatrust 

Financial Holding Company, Ltd., Taipei, 

Taiwan, Republic of China.

MORGAN STANLEY

Newspaper:

Federal Register:

* 3A3 01/11/2009

01/12/2009

New York Private Bank & Trust Corporation, 

Emigrant Bancorp, Inc. and Emigrant Bank, all of 

New York, New York, to acquire 100% of the 

voting shares of DollarSavingsDirect.com (in 

Formation), Ossining, New York.

NEW YORK PRIVATE BANK & 

TRUST CORPORATION

* 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 December 20, 2008

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

 140018 LAFAYETTE AMBASSADOR BK, EASTON, PENNSYLVANIA 03/31/2008 12/09/2008 O Large Bank

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 December 20, 2008

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 December 20, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

The Bank of Monroe, Union, West Virginia, to 

increase its investment in bank premises in the 

amount of $900,000.

BANK OF MONROE, THE

Newspaper:

Federal Register:

* 4c8 Not available

Not available

Capital One Financial Corporation, McLean, 

Virginia, to acquire 100% of the voting 

securities of Chevy Chase Bank, F.S.B., 

McLean, Virginia.

CAPITAL ONE FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

Not available

FA Capital, LLC. and Community Bank 

Investors of America, L.P., both located in 

Richmond, Virginia, to retain control of 6.82% 

and to acquire up to 7.55% of the voting 

securities of Commonwealth Bankshares, Inc., 

Norfolk, Virginia.

COMMUNITY BANK 

INVESTORS OF AMERICA, LP

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

FIA Card Services, N.A., Wilmington, Delaware, 

requests approval to make an investment 

through FIA Holdings S.a.r.l.-Zurich Branch, in 

Scottish Limited Partnership, Edinburgh, 

Scotland.

FIA CARD SERVICES, N.A.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

FA Capital, LLC. and Community Bank 

Investors of America, L.P., both located in 

Richmond, Virginia, to retain control of 5.81% 

and to acquire up to 9.90% of the voting 

securities of ICB Financial, Ontario, California.

ICB FINANCIAL

Newspaper:

Federal Register:

* 3A3 Not available

01/15/2009

Southern Bancshares, Inc., Mount Olive, North 

Carolina, to acquire up to 9.9% of the 

outstanding common stock of ECB Bancorp, 

Inc., Englehard, North Carolina, and thereby 

indirectly acquire up to 9.9% of the shares of 

East Carolina Bank, Englehard, North Carolina.

SOUTHERN BANCSHARES 

(N.C.), 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

 18836 CAPON VALLEY BK, WARDENSVILLE, WEST VIRGINIA 07/14/2008 10/14/2008 O Small Bank

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 December 20, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 12/24/2008

01/15/2009

Raymond James Financial, Inc., to become a 

bank holding company by acquiring 100 percent 

of the outstanding shares of Raymond James 

Bank, FSB, both of St. Petersburg, Florida, to be 

named Raymond James Bank, N.A., upon its 

conversion to a national bank.

RAYMOND JAMES FINANCIAL, 

INC.

Newspaper:

Federal Register:

* 3A1 01/06/2009

01/19/2009

Security Bancorp, Inc., to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of Security Federal 

Savings Bank of McMinnville, both of 

McMinnville, Tennessee, upon its conversion 

to a state chartered bank.

SECURITY BANCORP, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Security Federal Savings Bank of McMinnville, 

McMinnville, Tennessee, to become a member 

of the Federal Reserve System.

SECURITY FEDERAL SAVINGS 

BANK OF MCMINNVILLE

Newspaper:

Federal Register:

4c8 Not applicable

01/05/2009

Synovus Financial Corporation, Columbus, 

Georgia, to establish Broadway Asset 

Management, Inc., Columbus, Georgia, and 

thereby engage de novo in extending credit and 

servicing loans, activities related to extending 

credit, and leasing personal and real property.

SYNOVUS FINANCIAL CORP.

* 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

 279338 FIRST S BK, BOCA RATON, FLORIDA 08/25/2008 12/15/2008 S Int Sm Bank

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 December 20, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

01/12/2009

Glenwood Bancorporation, Glenwood, Iowa, to 

acquire 100 percent of Tabor Enterprises, Inc., 

Tabor, Iowa, and thereby indirectly acqurie First 

State Bank, Tabor, Iowa.

GLENWOOD 

BANCORPORATION

* 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

 41647 FIRST BKG CTR, BURLINGTON, WISCONSIN 09/10/2007 12/05/2008 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 December 20, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Centennial Bank (formerly First State Bank), 01/14/2009

Conway, Arkansas, to merge with Community 

Bank, Cabot, Arkansas, and to retain the 

acquired facilities as branch offices.

CENTENNIAL 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

 833646 BANK OF CAIRO & MOBERLY, MOBERLY, MISSOURI 08/11/2008 11/23/2008 S Small Bank

 973056 BANK OF HILLSBORO, HILLSBORO, MISSOURI 08/25/2008 11/28/2008 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending December 20, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Not applicable

1st Bank, Evanston, Wyoming, to merge with 

First National Bank of Morgan, Morgan, Utah.

1ST BANK

* 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

 2999845 WESTERN SECURITY BK, BILLINGS, MONTANA 08/18/2008 12/11/2008 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending December 20, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 01/16/2009

01/09/2009

High Country Bancorp, Inc., Salida, Colorado, to 

become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of High Country Bank, Salida, Colorado.

HIGH COUNTRY BANCORP, 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

 554857 FIVE POINTS BK, GRAND ISLAND, NEBRASKA 09/08/2008 12/11/2008 S Int Sm Bank

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 December 20, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 December 20, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

* 3A1

01/06/2009

01/02/2009

Carpenter Fund Manager GP LLC, Carpenter 

Fund Management Company LLC, Carpenter 

Community Bancfund L.P., Carpenter 

Community Bancfund-A, L.P., Carpenter 

Community Bancfund-CA L.P., CCFW, Inc., and 

SCJ, Inc., all of Irvine, California, to: 1) acquire 

CG Holdings, Inc., Irvine, California, and 

indirectly acquire up to 80 percent of California 

General Bank, N.A, (in organization), Pasadena, 

California; and 2) CG Holdings, Inc., Irvine, 

California, to become a bank holding company 

by acquiring up to 80 percent of California 

General Bank, N.A. (in organization), Pasadena, 

California.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

* 3A3 01/17/2009

01/15/2009

Castle Creek Capital Partners III LP, Castle Creek 

Capital III LLC, Eggemeyer Capital LLC, Ruh 

Capital LLC, and Legions IV Advisory Corp., all 

of Rancho Santa Fe, California, to acquire up to 

19.9 percent of Guaranty Bancorp, and thereby 

indirectly its subsidiary, Guaranty Bank and 

Trust Company, both of Denver, Colorado.

CASTLE CREEK CAPITAL 

PARTNERS III, L.P.

Newspaper:

Federal Register:

* 3A1 Not available

Member

4c8

12/12/2008

Marlin Business Services Corp., Mount Laurel, 

New Jersey, to: 1) become a bank holding 

company upon the conversion of Marlin 

Business Bank, Salt Lake City, Utah, from an 

industrial bank to a commercial bank, pursuant 

to section 3(a)(1) of the Bank Holding Company 

Act; 2) Marlin Business Services Corp. to 

engage indirectly in equipment leasing services 

through Marlin Leasing Corporation, both of 

Mount Laurel, New Jersey, pursuant to section 

225.28(b)(3) of Regulation Y and 4(c)(8) of the 

Bank Holding Company Act; and 3) Marlin 

Business Bank, Salt Lake City, Utah, to become 

a member of the Federal Reserve System.

MARLIN BUSINESS SERVICES 

CORP.

Newspaper:

Federal Register:

* 3A1 Not available

4c8 12/18/2008

Tamalpais Bancorp to: 1) become a bank 

holding company upon the conversion of 

Tamalpais Bank, both of San Rafael, California, 

from an industrial bank to a commercial bank, 

pursuant to section 3(a)(1) of the Bank Holding 

Company 

Act; and 2)engage in financial and investment 

advisory activities through Tamalpais Wealth 

Advisors, San Rafael, California, pursuant to 

sections 4(c)(8) of the Bank Holding Company 

Act, and 225.28(6)(i) of Regulation Y.

TAMALPAIS 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 Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act