Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 2 

Week Ending January 10, 2009

Board of Governors of the Federal Reserve System, Washington, DC 20551
Advisory Councils

Consumer Advisory Council -- appointment of ten new members and designation of 

Edna Sawady as chair and Michael D. Calhoun as vice chair for 2009.

- Announced, January 7, 2009

Monetary and Financial Policy

Money Market Investor Funding Facility (MMIFF) -- revisions to expand the set of 

eligible investors to include certain U.S.-based securities lenders, government 

investment pools, and other investment funds and to adjust several economic 

parameters of the MMIFF.

- Announced, January 7, 2009

Regulations and Policies

Community Reinvestment Act -- final interagency guidance in the form of questions 

and answers regarding the Community Reinvestment Act, and publication for 

comment of new and revised questions and answers.

- Approved, December 17, 2008

(A/C)

H.2 Board Actions January 4, 2009 to January 10, 2009

(A/C) = Addition or Correction Board - Page 1 of 1
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

January 4, 2009 to January 10, 2009

Bank Branches, Domestic

Centennial Bank, Conway, Arkansas -- to establish a branch at 1631 Highway 25B 

North, Heber Springs.

St. Louis

- Approved, January 7, 2009

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

intersection of Snelling and Randolph Avenues, St. Paul, Minnesota, and 610 West 

Northfield Drive, Brownsburg, Indiana.

Chicago

- Approved, January 6, 2009

Bank Holding Companies

BMC Bancshares, Inc., Dallas, Texas -- to become a bank holding company and to 

acquire First National Bank, Graford.

Dallas

- Approved, January 5, 2009

CBB Financial Corp, Midlothian, Virginia -- to become a bank holding company and 

to acquire Community Bankers' Bank, Midlothian.

Richmond

- Approved, January 6, 2009

(A/C) = Addition or Correction Delegated - 1 of 3
Bank Holding Companies

Celtic Investment, Inc., Salt Lake City, Utah -- to become a bank holding company 

on conversion of Celtic Bank Corporation, Salt Lake City, from an industrial bank to 

a commercial bank.

San Francisco

- Withdrawn, January 7, 2009

HomeTown Bankshares Corporation, Roanoke, Virginia -- to become a bank holding 

company and to acquire HomeTown Bank, Roanoke.

Richmond

- Approved, January 6, 2009

Independent Bancshares, Inc. Employee Stock Ownership Plan, Red Bay, Alabama -- 

to acquire shares of Independent Bancshares, Inc., Red Bay, and its subsidiaries, 

Community Spirit Bank, Spirit Bancshares, Inc., Belmont, Mississippi, and Spirit 

Bank.

Atlanta

- Approved, January 5, 2009

Lindoe, Inc., Ordway, Colorado -- to acquire shares of Southern Colorado National 

Bancorporation, Inc., Pueblo, and thereby acquire Southern Colorado National Bank.

Kansas City

- Withdrawn, January 7, 2009

Bank Mergers

Centennial Bank, Conway, Arkansas -- to merge with Bank of Mountain View, 

Mountain View, and thereby establish branches.

St. Louis

- Approved, January 6, 2009

H.2 Actions under delegated authority January 4, 2009 to January 10, 2009

(A/C) = Addition or Correction Delegated - 2 of 3
Extensions of Time

Intesa Sanpaolo S.p.A., Milan, Italy -- extension to March 31, 2009, of the temporary 

exemption to engage in certain nonbanking activities in the United States in 

connection with its merger with Sanpaolo IMI S.p.A., Turin.

General Counsel

- Granted, December 23, 2008

(A/C)

PrivateBancorp, Inc., Chicago, Illinois -- extension to April 17, 2009, to acquire The 

PrivateWealth Trust Company (in organization), a federal savings bank, Chicago.

Chicago

- Granted, January 8, 2009

Membership

Gardner National Bank, Gardner, Kansas -- to retain membership in the Federal 

Reserve System on conversion to a state-chartered institution, Gardner Bank.

Kansas City

- Approved, January 8, 2009

Regulations and Policies

Federal Open Market Committee -- minutes of the meeting on December 15 and 16, 

2008.

FOMC

- Published, January 6, 2009

H.2 Actions under delegated authority January 4, 2009 to January 10, 2009

(A/C) = Addition or Correction Delegated - 3 of 3
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending January 10, 2009

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 January 10, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Other Foreign Not applicable

Not applicable

American Express Bank Limited, New York, New 

York, requests approval to amend Articles of 

Association to change its name to Standard 

Chartered International (USA) Limited, pursuant 

to Section 211.5(c) of Regulation K.

AMERICAN EXPRESS BANK 

LTD.

* 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 January 10, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 02/04/2009

02/02/2009

Tower Bancorp, Inc. Greencastle, PA, to acquire 

Graystone Financial Corporation Corp., 

Lancaster, PA. The merger of the holding 

companies will result in the merger of the two 

wholly-owned subsidiaries, The First National 

Bank of Greencastle, Greencastle, PA, and 

Graystone Bank, Lancaster, PA subsequently 

forming Graystone Tower Bank, Lancaster, PA

TOWER BANCORP INC.

* 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

 898010 BANK OF CANTON, CANTON, PENNSYLVANIA 07/28/2008 12/24/2008 S Small 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 January 10, 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

 1017425 KILLBUCK SVGS BK CO, KILLBUCK, OHIO 10/06/2008 01/05/2009 S Int Sm Bank

 2747279 SETTLERS BK, MARIETTA, OHIO 08/25/2008 12/23/2008 S Int Sm Bank

 614313 STATE B&TC, DEFIANCE, OHIO 03/31/2008 01/05/2009 S Large Bank

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 January 10, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 01/14/2009

01/12/2009

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:

* 4c8 Not available

02/05/2009

FA Capital, LLC and Community Bank Investors 

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

Virginia, to acquire up to 18.0% of the voting 

securities of Gateway Bank, FSB, San Francisco, 

California.

COMMUNITY BANK 

INVESTORS OF AMERICA, LP

* 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 January 10, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/30/2009

After-the-fact change in control notice filed by 

Marshall Truman Reynolds and Douglas 

Vernon Reynolds, both of Huntington, West 

Virginia, Samuel George Kapourales, 

Williamson, West Virginia, and Todd R. Fry, 

Barboursville, West Virginia, to collectively 

retain 6.64 percent of the outstanding shares of 

American Gateway Financial Corporation, Port 

Allen, Louisiana, and its subsidiary, American 

Gateway Bank, Baton Rouge, Louisiana. Total 

pro forma ownership is 16.57 percent.

AMERICAN GATEWAY 

FINANCIAL CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

CapStar Bank, Nashville, Tennessee, to 01/13/2009

establish a branch located at 5500 Maryland 

Way, Suite 130, Brentwood, Tennessee, to be 

known as the Brentwood Branch.

CAPSTAR 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

 3532641 SMARTBANK, PIGEON FORGE, TENNESSEE 06/16/2008 12/23/2008 S Small Bank

 479839 TENNESSEE ST BK, PIGEON FORGE, TENNESSEE 09/15/2008 01/05/2009 S Large 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 January 10, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

02/02/2009

City State Bancorporation, Inc., Central City, 

Iowa, to become a bank holding company by 

acquiring 51.3 percent of MSB Corporation, 

Central City, Iowa, and thereby indirectly 

control City State Bank, Central City, Iowa.

CITY STATE 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A1 Not available

4c8 02/09/2009

Tygris Commercial Finance Group, Inc., 

Parsippany, New Jersey, to become a bank 

holding company by acquiring 100 percent of 

the voting shares of Texico Bancshares 

Corporation, Texico, Illinois, and thereby 

indirectly acquire Texico State Bank, Texico, 

Illinois, and to engage in permissible 

nonbanking activities through Tygris Vendor 

Finance, Inc., Parsippany, New Jersey, Tygris 

Asset Finance, Inc., Chicago, Illinois, Tygris 

Corporate Finance, Inc., Wilton, Connecticut, 

TAF Funding I, LLC, Chicago, Illinois, USXL 

Funding I, LLC, Parsippany, New Jersey, USXL 

Funding II, LLC, Parsippany, New Jersey, and 

Pro-Lease, Inc., Parsippany, New Jersey.

TYGRIS COMMERCIAL 

FINANCE GROUP, 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

 276645 AMERICAN ST BK, OSCEOLA, IOWA 09/15/2008 12/08/2008 S Small Bank

 945941 BYRON BK, BYRON CENTER, MICHIGAN 08/11/2008 12/19/2008 S Large Bank

 791746 FIRST T&SB, MARCUS, IOWA 09/22/2008 01/05/2009 S Small Bank

 636771 INDEPENDENT BK, IONIA, MICHIGAN 09/08/2008 01/05/2009 S Large Bank

 832470 INDIANA B&TC, COLUMBUS, INDIANA 08/04/2008 12/26/2008 S Large Bank

 716833 MARQUETTE BK, CHICAGO, ILLINOIS 08/11/2008 01/05/2009 O Large Bank

 671147 PRIMEBANK, LE MARS, IOWA 08/04/2008 11/10/2008 S Int Sm Bank

 235446 SHELBY CTY ST BK, SHELBYVILLE, ILLINOIS 09/15/2008 12/29/2008 S Small 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 January 10, 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 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 January 10, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

1st Bank, Evanston, Wyoming, to merge with 

First National Bank of Morgan, Morgan, Utah, 

and incident thereto establish branches at 120 

North State Street, Morgan, Utah, and 5015 

West Old Hwy Road, Morgan, Utah.

1ST BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Eastwood Financial Corporation Employee 

Profit Sharing and Stock Ownership Plan, 

Rochester, Minnesota, to become a bank 

holding company by increasing its ownership of 

Eastwood Financial Corporation, Rochester, 

Minnesota, to 27 percent and thereby indirectly 

acquire Eastwood Bank, Kasson, Minnesota.

EASTWOOD FINANCIAL 

CORPORATION EMPLOYEE 

PROFIT SHARING AND STOCK 

OWNERSHIP PLAN

* 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

 687951 FIRST WESTERN B&TC, MINOT, NORTH DAKOTA 08/04/2008 12/18/2008 O 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 January 10, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 January 10, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by John B. Jones and Emma D. Jones, 

Anna, Texas, John G. Jones and Wendy D. 

Jones, McKinney, Texas, and Jennifer Jones 

Perkins and Michael W. Perkins, Carrollton, 

Texas, acting in concert, to acquire control of 

The Community Group, Inc., Highland Village, 

Texas, and indirectly acquire United Community 

Bank, N.A., Highland Village, Texas.

COMMUNITY GROUP, INC., THE

Newspaper:

Federal Register:

* Branch

Not applicable

PlainsCapital Bank, Lubbock, Texas, to establish 01/15/2009

a branch to be located at 325 N. St Paul Street, 

Dallas, Texas 75201.

PLAINSCAPITAL BANK

* 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 January 10, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

 657365 HANMI BK, LOS ANGELES, CALIFORNIA 09/02/2008 12/22/2008 O Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act