Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 43 

Week Ending October 25, 2008

Board of Governors of the Federal Reserve System, Washington, DC 20551
Testimony And Statements

Economic Outlook and Financial Markets -- statement by Chairman Bernanke before 

the House Committee on the Budget on recent developments in financial markets and 

the near-term economic outlook.

- Published, October 20, 2008

Foreclosure Prevention Efforts and Market Stability -- statement by Governor Duke 

before the Senate Committee on Banking, Housing, and Urban Affairs on recent 

regulatory actions to stabilize financial markets and prevent foreclosures.

- Published, October 23, 2008

Bank Holding Companies

Wells Fargo & Company, San Francisco, California -- statement regarding approval 

of application to acquire Wachovia Corporation, Charlotte, North Carolina.

- Approved, October 21, 2008

Forms

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

Disclosure Requirements for loans secured by property in flood hazard areas (Reg 

H-2) and (2) Recordkeeping, Reporting, and Disclosure Requirements pursuant to the 

Community Reinvestment Act (Reg BB).

- Approved, October 21, 2008

Monetary and Financial Policy

Money Market Investor Funding Facility (MMIFF) -- establishment of the MMIFF to 

support a private-sector initiative designed to provide liquidity to U.S. money market 

investors.

- Approved, October 21, 2008

H.2 Board Actions October 19, 2008 to October 25, 2008

(A/C) = Addition or Correction Board - Page 1 of 2
Monetary and Financial Policy

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

on October 20, 2008.

- Announced, October 20, 2008

Regulations And Policies

Regulation C (Home Mortgage Disclosure) -- final amendments to Regulation C 

(Home Mortgage Disclosure) to revise the rules for reporting price information on 

higher-priced mortgage loans.

- Approved, October 20, 2008

Enforcement

Bank of Canton, Canton, Pennsylvania -- written agreement with the Federal Reserve 

Bank of Philadelphia.

- Announced, October 22, 2008

H.2 Board Actions October 19, 2008 to October 25, 2008

(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

October 19, 2008 to October 25, 2008

Bank Branches, Domestic

Comerica Bank, Dallas, Texas -- to establish branches at 2626 El Camino Real, 

Carlsbad, California; 39008 Paseo Padre Parkway, Fremont; 635 South Hobart 

Boulevard, Los Angeles; 6451 East Pacific Coast Highway, Long Beach; and 600 

Main Street, Pleasanton.

Dallas

- Approved, October 20, 2008

Midwest Bank and Trust Company, Elmwood Park, Illinois -- to establish a branch at 

500 West Monroe Street, Chicago.

Chicago

- Approved, October 20, 2008

Bank Holding Companies

Bryant Bancshares, Inc., Bryant, South Dakota -- request to retain Community 

Insurance, LLC, Bryant, and thereby engage in insurance agency activities.

Minneapolis

- Approved, October 21, 2008

CCB Financial Corporation, Kansas City, Missouri -- to acquire NKC Bancshares, 

Inc., North Kansas City, and its subsidiary bank, Norbank.

Kansas City

- Approved, October 24, 2008

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

City First Enterprises, Inc., Washington, D.C. -- to engage in lending and community 

development activities.

Richmond

- Approved, October 22, 2008

Glacier Bancorp, Inc., Kalispell, Montana -- to acquire Bank of the San Juans 

Bancorporation, Durango, Colorado, and thereby indirectly acquire Bank of the San 

Juans.

Minneapolis

- Approved, October 23, 2008

Hazen Bancorporation, Inc., Hazen, North Dakota -- to increase its ownership of 

North Star Holding Company, Inc., Jamestown, and thereby indirectly acquire 

Unison Bank, Jamestown, and Unison Bank, Mesa, Arizona, a de novo bank.

McIntosh County Bank Holding Company, Inc., Ashley, North Dakota -- to increase 

its ownership of North Star Holding Company, Inc., Jamestown, and thereby 

indirectly acquire Unison Bank, Jamestown, and Unison Bank, Mesa, Arizona, a de 

novo bank.

North Star Holding Company, Inc., Jamestown, North Dakota -- to acquire Unison 

Bank, Mesa, Arizona, a de novo bank.

Wishek Bancorporation, Inc., Wishek, North Dakota -- to acquire, through its interest 

in North Star Holding Company, Inc., Jamestown, indirect control of Unison Bank, 

Mesa, Arizona, a de novo bank.

Minneapolis

- Withdrawn, October 22, 2008

H.2 Actions under delegated authority October 19, 2008 to October 25, 2008

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

Jefferson Bancshares, Inc., Morristown, Tennessee -- to acquire State of Franklin 

Bancshares, Inc., Johnson City, and its subsidiary bank, State of Franklin Savings 

Bank.

Atlanta

- Approved, October 22, 2008

Bank Mergers

Midland States Bank, Effingham, Illinois -- to purchase certain assets and assume 

certain liabilities of two branches of Peoples National Bank, National Association, 

Mount Vernon, and thereby establish branches.

St. Louis

- Approved, October 23, 2008

Banks, Foreign

Corpbanca, Santiago, Chile -- to establish a branch in New York, New York.

Director, BS&R

- Approved, October 22, 2008

Change In Bank Control

Capital Bank, San Juan Capistrano, California -- change in bank control of Capital.

San Francisco

- Permitted, October 24, 2008

Community State Bancshares, Inc., Shelbina, Missouri -- change in bank control of 

Community State.

St. Louis

- Permitted, October 20, 2008

H.2 Actions under delegated authority October 19, 2008 to October 25, 2008

(A/C) = Addition or Correction Delegated - 3 of 4
Change In Bank Control

G.N. Bankshares, Inc., Girard, Kansas -- change in bank control of G.N. Bankshares, 

parent company of The Girard National Bank, Girard.

Secretary

- Permitted, October 22, 2008

Marshall-Putnam County Bancorporation, Inc., Varna, Illinois -- change in control of 

Marshall-Putnam, parent company of Marshall County State Bank, Varna.

Chicago

- Permitted, October 24, 2008

Team Financial, Inc., Paola, Kansas -- change in bank control of Team Financial, 

parent company of TeamBank, National Association, Paola.

Kansas City

- Permitted, October 21, 2008

Extensions Of Time

Community Bancshares of Mississippi, Inc., Employee Stock Ownership Plan, 

Brandon, Mississsippi -- extension to February 13, 2009, to acquire additional shares 

of (1) Community Bancshares of Mississippi, Inc., Brandon, and thereby indirectly 

acquire Community Bank of North Mississippi, Amory; Community Bank of 

Mississippi, Forest; Community Bank, National Association, Memphis, Tennessee; 

Community Bank, Ellisville, Ellisville, Mississippi; and Community Bank Coast, 

Biloxi, and (2) Community Holding Company of Alabama, Brandon, Mississippi, 

and its subsidiary bank, Community Bank, National Association, Mobile, Alabama.

Atlanta

- Granted, October 20, 2008

H.2 Actions under delegated authority October 19, 2008 to October 25, 2008

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

Federal Reserve Bank of Boston

Filings received during the week ending October 25, 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 October 25, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Central Park Credit Bank, New York, New York, 

to become a member of the Federal Reserve 

System, pursuant to Section 9 of the FRA.

Central Park Credit Bank

Newspaper:

Federal Register:

* 3A3 Not available

4c8 Not available

Citigroup Inc., New York, New York, to acquire 

five insured depository institution subsidiaries 

of Wachovia Corporation, Charlotte, North 

Carolina: Wachovia Bank, National Association, 

Charlotte, North Carolina; Wachovia Bank of 

Delaware, National Association, Wilmington, 

Delaware; Wachovia Card Services, National 

Association, Atlanta, Georgia; Wachovia 

Mortgage, FSB, Las Vegas, Nevada; and 

Wachovia Bank, FSB, Houston, Texas, pursuant 

to Sections 3(a)3 and 4(c)(8) of the BHC Act and 

thereby operate a savings association, pursuant 

to section 225.28(b)(4) of Regulation Y.

CITIGROUP INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

ICICI Bank Limited, Mumbai, India, to establish 

representative offices in San Francisco and Los 

Angeles, California; Atlanta, Georgia; Chicago, 

Illinois; Edison, New Jersey; Houston, Texas 

and Washington D.C., pursuant to Section 

211.24(a)(2)(i)(B)(2) of Regulation K.

ICICI BANK LIMITED

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending October 25, 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

 83311 PNC BK DE, WILMINGTON, DELAWARE 02/04/2008 09/12/2008 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 October 25, 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 October 25, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 11/04/2008

11/21/2008

Yadkin Valley Financial Corporation, Elkin, 

North Carolina, to acquire 100% of the voting 

securities of American Community Bancshares, 

Inc., Monroe, North Carolina, and thereby 

indirectly acquire American Community Bank, 

Monroe, North Carolina.

YADKIN VALLEY FINANCIAL 

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 October 25, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco de Desarrollo Rural, S.A., (BANRURAL), 

Guatemala City, Guatemala, to establish a 

representative office located in Miami, Florida.

BANCO DE DESARROLLO 

RURAL, S.A.

Newspaper:

Federal Register:

CIC 11/12/2008

11/10/2008

Prior change in control notice filed by The Harry 

L. Rankin, Jr. Family, Columbia, Mississippi 

(members include Elizabeth Barrett Arinder, 

Elizabeth Carolyn Rankin Arinder, Lannye Olivia 

Brickwell Arinder, Olive Elizabeth Clower Beach, 

and Marianne Rankin, all of Columbia, 

Mississippi; Christopher Charles Rankin 

Arinder, Hattiesburg, Mississippi; Benjamin 

Thomas Newton, Ocean Springs, Mississippi; 

Christopher Harry Lee Rankin, College Station, 

Texas; and Thomas Stephen Clower Rankin, 

Dallas, Texas), to collectively acquire an 

additional 2.01 percent of the outstanding 

shares of Citizens Corporation, and its 

subsidiary, Citizens Bank, both of Columbia, 

Mississippi. Total pro forma ownership will 

equal 11.66 percent.

CITIZENS CORPORATION

* 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 October 25, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

City State Bank, Odgen, Iowa, to merge with 

Ames Community Bank, Ames, Iowa, and 

Community Bank of Boone, Boone, Iowa. As a 

result of these mergers, all offices of Ames 

Community Bank and Community Bank of 

Boone will become offices of City State Bank.

CITY STATE BANK

Newspaper:

Federal Register:

CIC Not available

11/04/2008

Notice by Spiro P. Argiris, Burr Ridge, Illinois, 

individually and as part of a group acting in 

concert with Theodore P. Argiris, Palos Park, 

Illinois, Cathy Argiris, Palos Park, Illinois, and 

Carpetcrafters, Inc., Alsip, Illinois, to acquire 

control of Community Holdings Corporation, 

Palos Hills, Illinois, and thereby indirectly 

control Family Bank and Trust Company, Palos 

Hills, Illinois.

COMMUNITY HOLDINGS 

CORPORATION

Newspaper:

Federal Register:

CIC

Not available

Notice by Cummins Inc., Columbus, Indiana, to 11/10/2008

acquire 10 percent or more of the voting shares 

of Irwin Financial Corporation, Columbus, 

Indiana, and thereby indirectly acquire Irwin 

Union Bank & Trust Company, Columbus, 

Indiana and Irwin Union Bank, F.S.B., 

Columbus, Indiana.

CUMMINS INC.

Newspaper:

Federal Register:

* 3A5 11/05/2008

11/03/2008

First Merchants Corporation, Muncie, Indiana, 

to acquire 100 percent of the voting shares of 

Lincoln Bancorp, Plainfield, Indiana, and 

thereby indirectly acquire Lincoln Bank, 

Plainfield, Indiana.

FIRST MERCHANTS 

CORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

11/14/2008

Garnavillo Bank Corporation, Garnavillo, Iowa, 

to engage in the permissible nonbanking 

activity of extending credit and servicing loans.

GARNAVILLO BANK 

CORPORATION

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Linden State Bank, Linden, Indiana, to merge 

with Farmers State Bank, New Ross, Indiana, 

and thereby to establish 4 branches.

LINDEN STATE BANK

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Marshall & Ilsley Corporation, Milwaukee, 

Wisconsin and M&I LLC, Milwaukee, 

Wisconsin, to acquire, indirectly through a 

newly-formed majority-owned subsidiary, TCH, 

LLC, all of the assets of Taplin, Canida & 

Habacht, Inc., Miami, Florida, and thereby to 

engage in financial and investment advisory 

activities and agency transactional services.

MARSHALL & ILSLEY 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

Not available

White River Capital, Inc., Indianapolis, Indiana, 

to become a bank holding company by 

acquiring 100 percent of the voting shares of 

First Chicago Bancorp, Itasca, Illinois, and 

thereby indirectly acquire First Chicago Bank & 

Trust, Itasca, Illinois.

White River Capital, 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

 686440 BANK IA, OSKALOOSA, IOWA 06/16/2008 09/29/2008 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 October 25, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 11/10/2008

11/04/2008

Notice by Douglas and Theresa Kelly, 

Kirksville, Missouri; Ray E. Cahalan Family 

Trust with Theresa Kelly and Jacquline 

Niedergerke as co-trustees, Kirksville, Missouri; 

Gary Kelly, Aspen, Colorado; and William and 

Kathleen Moffett, Golden, Colorado, as a group 

acting in concert to retain control of Kirksville 

Bancorp, Inc., Kirksville, Missouri.

KIRKSVILLE 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 October 25, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/14/2008

Change in control notice by Norlin G. Boyum, 

Minneapolis, Minnesota, John B. Boyum, 

Arlington, Virginia, and Stephanie J. Boyum, 

New York, New York, individually and as part of 

a group acting in concert, to acquire 25 percent 

or more of the shares of Citizens Bancshares of 

Woodville, Inc., Hudson, Wisconsin, and 

thereby indirectly acquire control of Citizens 

State Bank, Hudson, Wisconsin.

CITIZENS BANCSHARES OF 

WOODVILLE, 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 October 25, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

11/20/2008

Lakeside Holding Corporation, to become a 

bank holding company through the acquisition 

of 100 percent of the voting shares of Lakeside 

State Bank, both in Oologah, Oklahoma.

LAKESIDE HOLDING 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

11/06/2008

Lindoe, Inc., Ordway, Colorado, to acquire 51 

percent of the voting shares of Southern 

Colorado National Bancorporation, Inc., Pueblo, 

Colorado and thereby indirectly acquire 

Southern Colorado National Bank, Pueblo, 

Colorado.

LINDOE, 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

 727156 FARMERS ST BK, WALLACE, NEBRASKA 07/07/2008 10/02/2008 S Small 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 October 25, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Dallas, Texas, to establish 2 

branches at the following locations: 10115 W. 

McDowell Rd., Avondale, Arizona 85392 and 

14211 W. Bell Road, Surprise, Arizona 85374.

COMERICA BANK

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Texas First Bank - Texas City, Texas City, Texas, 11/10/2008

to purchase the assets and assume the liabilities 

of Texas First Bank, Galveston, Texas, and to 

establish branches at the following locations: 

6501 Stewart Road, Galveston, Texas 77650; 

2401 Broadway, Galveston, Texas 77550; 13701 

FM 3005, Galveston, Texas 77550; and 2390 

Highway 87, Crystal Beach, Texas 77650.

TEXAS FIRST 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

 1447639 BANK OF THE WEST, EL PASO, TEXAS 07/14/2008 10/13/2008 O Large Bank

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 October 25, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

4c8

11/21/2008

11/24/2008

Eggemeyer Advisory Corp., WJR Corp., Castle 

Creek Capital LLC, Castle Creek Capital Partners 

Fund IIA LP, and Castle Creek Capital Partners 

Fund IIB LP, all of Rancho Santa Fe, California, 

to acquire approximately 8.1 percent of First 

Chicago Bancorp, and indirectly First Chicago 

Bank & Trust, both of Itasca, Illinois, pursuant 

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

Act; and 2) Eggemeyer Capital LLC, Ruh Capital 

LLC, Legions IV Advisory Corporation, Castle 

Creek Capital III LLC, and Castle Creek Capital 

Partners III LP, all of Rancho Santa Fe, 

California, to acquire indirect control of Union 

Acceptance Company LLC, Indianapolis, 

Indiana, and Coastal Credit LLC, Virginia Beach, 

Virginia, and engage in auto lending and 

financing pursuant to section 225.28(b)(1) of 

Regulation Y and section 4(c)(8) of the Bank 

Holding Company Act.

EGGEMEYER ADVISORY CORP.

* 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