Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 18 

Week Ending May 2, 2009

Board of Governors of the Federal Reserve System, Washington, DC 20551
Forms

Forms -- final Board review to extend without revision the Senior Loan Officer 

Opinion Survey on Bank Lending Practices (FR 2018), Senior Financial Officer 

Survey (FR 2023), Automobile Finance Terms (FR 2005), Passenger Auto Contract 

Collection Trends at Major Sales Finance Companies (FR 2012), Quarterly Report of 

Interest Rates on Selected Direct Consumer Installment Loans (FR 2835), and 

Quarterly Report of Credit Card Plans (FR 2835a).

- Approved, April 30, 2009

Monetary and Financial Policy

Term Asset-Backed Securities Loan Facility -- expansion of the types of eligible 

collateral to include commercial mortgage-backed securities and securities backed by 

insurance-premium-finance loans; authorization of five-year maturities for certain 

TALF loans; and other changes, starting in June 2009.

- Approved, April 30, 2009

Regulations and Policies

System Lending Facilities -- third periodic report to Congress, required by the 

Emergency Economic Stabilization Act, on lending facilities authorized under 

section 13(3) of the Federal Reserve Act.

- Approved, April 26, 2009

Testimony and Statements

Financial Literacy -- statement by Sandra F. Braunstein, director, Division of 

Consumer and Community Affairs, before a subcommittee of the Senate Committee 

on Homeland Security and Governmental Affairs on the Federal Reserve's 

commitment to financial education and consumer outreach.

- Published, April 29, 2009

H.2 Board Actions April 26, 2009 to May 2, 2009

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

Cooperative Bankshares, Inc., Wilmington, North Carolina -- written agreement with 

the Federal Reserve Bank of Richmond.

- Announced, April 29, 2009

Heritage Bank, Topeka, Kansas -- written agreement with the Federal Reserve Bank 

of Kansas City.

- Announced, April 30, 2009

H.2 Board Actions April 26, 2009 to May 2, 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

April 26, 2009 to May 2, 2009

Bank Branches, Domestic

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 2121 Centre Avenue, 

Pittsburgh, Pennsylvania.

Cleveland

- Approved, April 29, 2009

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 2602 East 

Hillsborough Avenue, Tampa, Florida.

Cleveland

- Approved, April 29, 2009

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 3126 Fincher Farm Road, 

Matthews, North Carolina.

Secretary

- Approved, April 30, 2009

Bank Holding Companies

Banco do Brasil S.A., Brasilia, Brazil -- to acquire Banco do Brasil, Federal Savings 

Bank, New York, New York, and thereby operate a savings association.

New York

- Withdrawn, May 1, 2009

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

Deutsche Bank Aktiengesellschaft, Frankfurt am Main, Germany -- for Deutsche 

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

Trust Corporation to acquire Deutsche Bank Trust Company, National Association, 

New York, as part of an internal reorganization.

New York

- Approved, May 1, 2009

Mackinac Financial Corporation, Manistique, Michigan -- to acquire shares of 

Clarkston Capital Partners, LLC, Troy, and thereby engage in financial and 

investment advisory activities.

Minneapolis

- Approved, April 30, 2009

Middlesex Bancorp, MHC, Natick, Massachusetts -- to become a mutual bank 

holding company and to acquire Middlesex Savings Bank, Natick.

Boston

- Approved, April 27, 2009

OSB Financial Corporation, Brooklyn, Michigan -- to become a bank holding 

company and to acquire OSB Community Bank, Brooklyn.

Chicago

- Withdrawn, April 27, 2009

RCB Financial Corporation, Rome, Georgia -- to become a bank holding company 

and to acquire River City Bank, Rome.

Atlanta

- Approved, May 1, 2009

H.2 Actions under delegated authority April 26, 2009 to May 2, 2009

(A/C) = Addition or Correction Delegated - 2 of 4
Bank Holding Companies

Texas Independent Bancshares, Inc., Texas City, Texas -- to acquire shares of 

Houston Business Bank, a de novo bank, Houston.

Dallas

- Approved, April 30, 2009

Bank Mergers

Bank Iowa, Oskaloosa, Iowa -- to purchase the assets and assume the liabilities of the 

Newton branch of Bank Iowa, Altoona, and thereby establish a branch at 215 West 

2nd Street North, Newton.

Chicago

- Approved, May 1, 2009

Cache Valley Bank, Logan, Utah -- to acquire certain deposits and assets of America 

West Bank, Layton.

San Francisco

- Approved, May 1, 2009

Change in Bank Control

Wilshire Bancorp, Inc., Los Angeles, California -- to retain control of Wilshire and 

its subsidiary bank, Wilshire State Bank, Los Angeles, and request for a 

determination of qualified family partnership status.

San Francisco

- Permitted, April 30, 2009

YNB Financial Services Corp., Yakima, Washington -- change in bank control of 

YNB and its subsidiary bank, Yakima National Bank, Yakima.

San Francisco

- Permitted, May 1, 2009

H.2 Actions under delegated authority April 26, 2009 to May 2, 2009

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

Freedom Financial Bank, West Des Moines, Iowa -- to become a member of the 

Federal Reserve System.

Chicago

- Withdrawn, April 29, 2009

Regulations and Policies

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

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

in the Kansas City, Dallas, and San Francisco Federal Reserve Districts.

Secretary

- Approved, May 1, 2009

H.2 Actions under delegated authority April 26, 2009 to May 2, 2009

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

Federal Reserve Bank of Boston

Filings received during the week ending May 2, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 Not available

Application by BSB Bancorp, MHC and BSB 

Bancorp, Inc., both of Belmont, Massachusetts 

- to become a mutual bank holding company 

and stock bank holding company, respectively, 

by acquiring Belmont Savings Bank, Belmont, 

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

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

of 1956, as amended.

BSB Bancorp, MHC

Newspaper:

Federal Register:

* 3A1 Not available

05/26/2009

Application filed by Dime Mutual Holding 

Company, Norwich, Connecticut to become a 

mutual bank holding company through the 

acquisition of 100% of the voting shares of 

Dime Bank, Norwich, Connecticut, pursuant to 

section 3(a)(1) of the BHC Act.

DIME MUTUAL HOLDING 

COMPANY

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 May 2, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Canadian Imperial Bank of Commerce, Toronto, 

Canada to establish an agency in New York, 

New York, pursuant to Section 211.24(a)(1)(i)(A) 

of Regulation K.

CANADIAN IMPERIAL BANK 

OF COMMERCE

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Madison National Bancorp, Inc., to become a 

one-bank holding company by acquiring 100 

percent of Madison National Bank, both of 

Hauppauge, New York, pursuant to Section 3(a)

(C) of the BHC Act of 1956, as amended, and 

Section 225.17 of Regulation Y.

MADISON NATIONAL 

BANCORP, INC.

* 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 May 2, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/03/2009

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

Financial Partners, L.P., Patriot Financial 

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

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

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

James J. Lynch, all of Philadelphia, 

Pennsylvania, to purchase up to 14.9 percent of 

Guaranty Bancorp, parent of Guaranty Bank and 

Trust Company, both in Denver, Colorado, 

through the acquisition of voting shares.

Patriot Financial Partners

* 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 May 2, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

05/14/2009

Interagency Notice of Change in Bank Control 

submitted by the John M. St. Clair, Jr. Trust, 

Irvine, KY (Kathy Dale Samples, Trustee) of its 

intent to retain control of 100% of the 

outstanding voting shares of Citizens Guaranty 

Financial Corporation, Irvine, KY which controls 

Citizens Guaranty Bank, Richmond, KY.

CITIZENS GUARANTY 

FINANCIAL CORPORATION

* 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 May 2, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 05/16/2009

05/15/2009

Bank of America Corporation, Charlotte, North 

Carolina, and NB Holdings Corporation, 

Charlotte, North Carolina, to acquire 100% of 

the voting securities of Bank of America North 

Carolina, National Association, Charlotte, North 

Carolina (in organization).

BANK OF AMERICA 

CORPORATION

* 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 May 2, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

06/01/2009

FCB Florida Bancorporation, Inc., Orlando, 

Florida, to merge with Anderen Financial, Inc., 

and thereby acquire its subsidiary, Anderen 

Bank, both of Palm Harbor, Florida.

FCB FLORIDA 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Commercial Bank of Florida, Orlando, 

Florida, to merge with Anderen Bank, Palm 

Harbor, Florida.

FIRST COMMERCIAL BANK OF 

FLORIDA

Newspaper:

Federal Register:

CIC Not available

05/12/2009

Prior change in control notice filed by Jessie 

Doyle Buffinton, Helmut Hans Cawthon, 

Kenneth Franklin Davis, Andrew Charles 

Heaner, Clinton Gray Hubbard, Stephen Curtis 

Klasson, Kimberly Gill Mauer, Laura Hallin 

Mumber, Matthew Peter Mumber, Delos Harley 

Yancey, III, John Demetrius Xanthos, all of 

Rome, Georgia, Andrew Charles Heaner, 

Atlanta, Georgia, and Wayne Elm Vick, 

Armuchee, Georgia, collectively to acquire an 

additional 18.78 percent of the outstanding 

shares of Heritage First Bancshares, Inc., Rome, 

Georgia. Total pro forma will equal 37.29 

percent.

HERITAGE FIRST 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 05/22/2009

05/22/2009

Piedmont Bancorp, Inc., Norcross, Georgia, to 

become a bank holding company by acquiring 

100 percent of the outstanding shares of 

Republic Bank of Georgia, Lawrenceville, 

Georgia.

PIEDMONT BANCORP, 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 May 2, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Country Bancorporation, Crawfordsville, Iowa, 

to acquire 100 percent of the voting shares of 

The Exchange State Bank, Springville, Iowa.

COUNTRY BANCORPORATION

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Logan County Bank, Lincoln, Illinois, to 

purchase certain assets and assume certain 

liabilities of the 100 W. Elm, Buffalo, Illinois 

branch of Town & Country Bank of Springfield, 

Springfield, Illinois, and thereby to establish a 

branch at 100 W. Elm, Buffalo, Illinois.

LOGAN COUNTY BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Town & Country Bank of Springfield, 

Springfield, Illinois, to merge with Town & 

Country Bank, Buffalo, Illinois, and thereby to 

establish 3 branches.

TOWN & COUNTRY BANK OF 

SPRINGFIELD

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending May 2, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 05/05/2009

establish branch facility to be located at the 

Northeast corner of National Avenue and 

Chestnut Street, Springfield, Missouri.

ARVEST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Centennial Bank, Conway, Arkansas, to 05/07/2009

establish a mobile branch in Pulaski County, 

Arkansas.

CENTENNIAL BANK

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

The Farmers & Merchants Bank, Stuttgart, 05/30/2009

Arkansas, to merge with First National Bank at 

Marianna, Marianna, Arkansas, and to retain 

the acquired facilities as branch offices.

FARMERS & MERCHANTS 

BANK, THE

Newspaper:

Federal Register:

* 3A3 05/17/2009

05/22/2009

Southern Missouri Bancorp, Inc., Poplar Bluff, 

Missouri, to acquire 100 percent of Southern 

Bank of Commerce, Paragould, Arkansas.

SOUTHERN MISSOURI 

BANCORP, INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending May 2, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

05/20/2009

Notice by Donna L. Hanson, LeRoy, Minnesota, 

to acquire and retain 25 percent or more of the 

shares of First LeRoy Bancorporation, Inc., 

LeRoy, Minnesota, and thereby indirectly retain 

control of First State Bank Minnesota, LeRoy, 

Minnesota.

FIRST LEROY 

BANCORPORATION, 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 May 2, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

05/29/2009

Citizens National Corporation, Wisner, 

Nebraska to acquire up to an additional 2 

percent for a total of 32.7 percent of the voting 

shares of Republic Corporation, parent of 

United Republic Bank, both in Omaha, 

Nebraska.

CITIZENS NATIONAL 

CORPORATION

* 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 May 2, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 05/15/2009

05/15/2009

A.N.B. Holding Company, Ltd., Terrell, Texas, 

to aquire additional shares up to 35% of The 

ANB Corporation, Terrell, Texas, and indirectly 

American National Bank, Terrell, Texas.

A.N.B. HOLDING COMPANY, 

LTD.

Newspaper:

Federal Register:

CIC Not available

05/01/2009

Notice by Mr. Patrick W. Hopper (as trustee of 

the PWH Trust UTD 3/2/94) of Henderson, 

Nevada, to increase his ownership and control, 

from 9.4 percent to 15.2 percent, of Professional 

Capital, Inc., Dallas, Texas, and indirectly, 

Professional Bank, National Association, Dallas, 

Texas.

PROFESSIONAL CAPITAL, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Tall City Bancshares, Inc., Midland, Texas, to 

become a bank holding company by aquiring 

100 percent of Kent County State Bank, Jayton, 

Texas.

TALL CITY 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 May 2, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Waived

Not applicable

Cache Valley Bank, Logan, Utah, to acquire 

certain deposits and assets of America West 

Bank, Layton, Utah, pursuant to section 18(c) of 

the Federal Deposit Insurance Act (FDI Act).

CACHE VALLEY BANK

Newspaper:

Federal Register:

CIC Not available

05/08/2009

Notice by Don Rhee, Bok Kyung Rhee, and the 

Rhee Family Trust, all of Los Angeles, 

California, to acquire additional voting shares of 

Saehan Bancorp, and thereby indirectly acquire 

additional voting shares of Saehan Bank, both 

of Los Angeles, California.

SAEHAN BANCORP

Newspaper:

Federal Register:

Foreign Branch Not applicable

Not applicable

Silicon Valley Bank, Santa Clara, California, to 

establish a branch within the High Value zone of 

South Mumbai, India, specifically in the 

Nariman Point area of Mumbai, India, pursuant 

to Section 211.13 of Regulation K.

SILICON VALLEY BANK

* 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