Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 9 

Week Ending February 28, 2009

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

Forms -- initial Board review to extend without revision the Recordkeeping 

Requirements Associated with Real Estate Appraisal Standards for Federally Related 

Transactions Pursuant to Regulations H and Y (FR H-4), Recordkeeping 

Requirements Associated with Changes in Foreign Investments (FR 2064), Request 

for Proposal (RFP) and Request for Price Quotations (RFPQ), and Notice 

Requirements in Connection with Regulation W (Reg W).

- Proposed, February 25, 2009

Forms -- final Board review to extend with revision the Bank Holding Company 

Report of Insured Depository Institutions' Section 23A Transactions with Affiliates 

(FR Y-8) and to revise without extension the Financial Statements of U.S. Nonbank 

Subsidiaries of U.S. Bank Holding Companies (FR Y-11), Financial Statements of 

Foreign Subsidiaries of U.S. Banking Organizations (FR 2314), Financial Statements 

of U.S. Nonbank Subsidiaries Held by Foreign Banking Organizations (FR Y-7N), 

and Consolidated Report of Condition and Income for Edge and Agreement 

Corporations (FR 2886b).

- Approved, February 25, 2009

Forms -- final Board review to extend with revision the Weekly Report of Selected 

Assets (FR 2644), Quarterly Report of Assets and Liabilities of Large Foreign 

Offices of U.S. Banks (FR 2502q), and Recordkeeping Requirements Associated 

with Regulation K; to discontinue the Weekly Report of Assets and Liabilities for 

Large Banks (FR 2416) and Weekly Report of Assets and Liabilities for Large U.S. 

Branches and Agencies of Foreign Banks (FR 2069); and to pretest and execute the 

2010 Survey of Consumer Finances (FR 3059).

- Approved, February 28, 2009

Monetary and Financial Policy

Term Asset-Backed Securities Loan Facility -- adjustments to the terms on TALF 

loans secured by certain asset-backed securities backed by newly and recently 

originated auto, credit card, and student loans and SBA-guaranteed small business 

loans.

- Approved, February 23, 2009

H.2 Board Actions February 22, 2009 to February 28, 2009

(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 84-day credit 

on February 23, 2009.

- Announced, February 23, 2009

Regulations and Policies

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

Emergency Economic Stabilization Act of 2008, on the outstanding lending facilities 

authorized under section 13(3) of the Federal Reserve Act.

- Approved, February 24, 2009

Enforcement

Cape Fear Bank Corporation, Wilmington, North Carolina -- written agreement with 

the Federal Reserve Bank of Richmond.

- Announced, February 26, 2009

FSB Bancorp, Inc., Altus, Oklahoma -- issuance of a consent cease and desist order 

against FSB.

- Announced, February 27, 2009

H.2 Board Actions February 22, 2009 to February 28, 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

February 22, 2009 to February 28, 2009

Bank Branches, Domestic

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

branch at 1452 Buck Road, Northampton Township, Pennsylvania.

New York

- Approved, February 26, 2009

SunTrust Bank, Atlanta, Georgia -- to establish branches at 5420 West Fayetteville 

Road, College Park; 1628 Cumming Highway, Canton; 12737 Tamiami Trail East, 

Naples, Florida; and 5795 North Airport Road.

Secretary

- Approved, February 25, 2009

Bank Holding Companies

Citizens Bancorp, Corvallis, Oregon -- relief from a commitment.

San Francisco

- Granted, February 26, 2009

Community Bank Investors of America, LP, Richmond, Virginia, and 

FA Capital, LLC -- to acquire shares of Gateway Bank, FSB, San Francisco, 

California.

Richmond

- Approved, February 27, 2009

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

Eastwood Financial Corporation Employee Profit Sharing and Stock Ownership Plan, 

Rochester, Minnesota -- to become a bank holding company and to increase its 

ownership of Eastwood Financial Corporation, Rochester, and thereby acquire 

Eastwood Bank, Kasson.

Minneapolis

- Approved, February 23, 2009

Franklin Resources, Inc., San Mateo, California -- to acquire an interest in 

CIT Group, Inc., New York, New York, and CIT Bank, Salt Lake City, Utah.

San Francisco

- Approved, February 24, 2009

Freeport Bancshares, Inc., Freeport, Illinois -- to acquire Community 

Redevelopment, LLC, Freeport, and thereby engage in extending credit and servicing 

loans.

Chicago

- Approved, February 23, 2009

GMAC LLC, Detroit, Michigan -- to retain shares of Capmark Financial Group, Inc., 

Horsham, Pennsylvania, and thereby retain control of Capmark Bank, Midvale, Utah, 

and Escrow Bank USA, an industrial bank.

Chicago

- Withdrawn, February 27, 2009

Independent Bank Corp., Rockland, Massachusetts -- to merge with Benjamin 

Franklin Bancorp, Inc., Franklin, and thereby acquire Benjamin Franklin Bank.

Boston

- Approved, February 25, 2009

H.2 Actions under delegated authority February 22, 2009 to February 28, 2009

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

Intesa Sanpaolo S.p.A., Turin, Italy -- to engage in certain nonbanking activities 

conducted through Banca IMI Securities Corp., New York, New York.

New York

- Approved, February 25, 2009

Live Oak Bancshares, Inc., Wilmington, North Carolina -- to become a bank holding 

company and to acquire Live Oak Banking Company, Wilmington.

Richmond

- Approved, February 27, 2009

Manhattan Banking Corporation, Manhattan, Kansas -- to retain shares of Sonoran 

Bank, National Association, Phoenix, Arizona.

Kansas City

- Approved, February 27, 2009

Manhattan Banking Corporation, Manhattan, Kansas -- to retain shares of 

BOTS, Inc., Topeka, parent company of Vision Bank.

Kansas City

- Approved, February 27, 2009

Banks, State Member

Chesapeake Bank, Kilmarnock, Virginia -- to increase its investment in bank 

premises.

Richmond

- Approved, February 27, 2009

H.2 Actions under delegated authority February 22, 2009 to February 28, 2009

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

American Gateway Financial Corporation, Port Allen, Louisiana -- to retain control 

of American and its subsidiary bank, American Gateway Bank, Baton Rouge.

Atlanta

- Permitted, February 23, 2009

CapitalSouth Bancorp, Birmingham, Alabama -- change in bank control of 

CapitalSouth and its subsidiary bank, CapitalSouth Bank, Birmingham.

Atlanta

- Permitted, February 23, 2009

Extensions of Time

Yadkin Valley Financial Corporation, Elkin, North Carolina -- extension to 

June 1, 2009, to acquire American Community Bancshares, Inc., Monroe, and 

thereby acquire American Community Bank.

Richmond

- Granted, February 27, 2009

Financial Holding Companies 

Four Oaks Fincorp, Inc., Four Oaks, North Carolina -- election to become a financial 

holding company.

Richmond

- Effective, February 23, 2009

South Central Bancshares of Kentucky, Inc., Glasgow, Kentucky -- election to 

become a financial holding company.

St. Louis

- Effective, February 25, 2009

H.2 Actions under delegated authority February 22, 2009 to February 28, 2009

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

Federal Reserve Bank of Boston

Filings received during the week ending February 28, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3

* 3A5

Not available

Application filed by Middlesex Bancorp, MHC, 

Natick, Massachusetts to become a mutual bank 

holding company through the acquisition of 

100% of the voting shares of Middlesex Savings 

Bank, Natick, Massachusetts, pursuant to 

section 3(a)(1) of the BHC Act and to acquire 

through merger Service Bancorp, MHC, Service 

Bancorp Inc., and Strata Bank, all located in 

Medway, Massachusetts, pursuant to sections 

3(a)(3) and 3(a)(5) of the BHC Act

MIDDLESEX SAVINGS BANK

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending February 28, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Chemung Canal Trust Company, Elmira, New 

York for approval to merge with the Bank of 

Canton, Canton, Pennsylvania, pursuant to 

Section 18(c) of the Federal Deposit Insurance 

Act.

CHEMUNG CANAL TRUST 

COMPANY

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

JPMorgan Chase & Co., New York, New York, 

and J.P. Morgan International Finance Limited, 

Newark, Delaware, provide 30 days' prior notice 

to the Board, pursuant to Section 211.9(f) of 

Regulation K, of their intention to make an 

investment in a UK-based subsidiary, J.P. 

Morgan Whitefriars, London, England.

JPMORGAN CHASE & CO.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

United Overseas Bank Limited, Singapore, to 

establish branches in Los Angeles and New 

York by upgrading its existing agencies, 

pursuant to Section 211.24(a)(1)(i)(A) of 

Regulation K.

UNITED OVERSEAS BANK 

LIMITED

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending February 28, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 765019 BRYN MAWR TC, BRYN MAWR, PENNSYLVANIA 10/06/2008 02/12/2009 S 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 February 28, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

03/10/2009

Farmers National Banc Corp, Canfield, Ohio, to 

acquire 100 percent of the voting shares of 

Butler Wick Trust Company, Youngstown, 

Ohio, and thereby engage in general trust 

activities

FARMERS NATIONAL BANC 

CORP.

* 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 February 28, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Capon Valley Bank, Wardensville, West 03/07/2009

Virginia, proposes to establish a branch at 5511 

S. Main Street, Stephens City, Virginia 22655.

CAPON VALLEY BANK

* 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 February 28, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

 2877345 INSBANK, NASHVILLE, TENNESSEE 10/20/2008 01/28/2009 O Strategic Plan

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 February 28, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

4c8 03/02/2009

GMAC LLC, Detroit, Michigan, to retain 21.5 

percent of the voting shares of Capmark 

Financial Group, Inc., Horsham, Pennsylvania, 

and thereby indirectly retain control of Capmark 

Bank, Midvale, Utah and Escrow Bank USA, 

Midvale, Utah, and thereby to operate an 

industrial bank.

GMAC LLC

Newspaper:

Federal Register:

* 3A1 Not available

Not available

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

become a bank holding company by acquiring 

100 percent of Pinnacle Bank, Marshalltown, 

Iowa.

Iowa River Bancorp, Inc.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Rolling Hills Bank & Trust, Atlantic, Iowa, to 

merge with The First National Bank of Brewster, 

Brewster, Minnesota, and thereby to establish 

branches at 224 Tenth Street, Brewster, 

Minnesota and 229 Tenth Street, Worthington, 

Minnesota.

ROLLING HILLS BANK & TRUST

* 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 February 28, 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 February 28, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/16/2009

Gary and Mary Ihry, Hope, North Dakota, Wade 

and Marilyn Ihry, Hope, North Dakota, Keith 

and Brenda Ihry, Hope, North Dakota, and Reed 

Ihry, Devils Lake, North Dakota, as a group 

acting in concert, to acquire control of Quality 

Bankshares, Inc., Fingal, North Dakota, and 

thereby indirectly gain control of Quality Bank, 

Fingal, North Dakota.

QUALITY BANKSHARES, INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 374653 FIRST PREMIER BK, SIOUX FALLS, SOUTH DAKOTA 10/29/2007 02/06/2009 S Int Sm Bank

 648055 VALLEY BK OF HELENA, HELENA, MONTANA 10/27/2008 02/18/2009 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 February 28, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

4c8

03/20/2009

03/20/2009

CrossFirst Holdings, LLC, to become a bank 

holding company through the acquisition of up 

to 100 percent of the voting shares of 

CrossPoint Bank, both in Overland Park, 

Kansas. CrossFirst Holdings, LLC, to acquire 

100 percent of CrossFirst Advisors, LLC, both 

in Overland Park, Kansas, and thereby engage 

in financial and investment advisory activities 

and management consulting and counseling 

activities.

CROSSFIRST HOLDINGS, LLC

Newspaper:

Federal Register:

* 3A1

4c8

03/11/2009

03/11/2009

FSB Investments, LLC, Oklahoma City, 

Oklahoma, to become a bank holding company 

through the acquisition of up to 53.89 percent of 

the voting shares of MidWest Community 

Financial Corporation, Midwest City, Oklahoma, 

parent of The First State Bank, Canute, 

Oklahoma. FSB Investments, LLC, Oklahoma 

City, Oklahoma, to acquire 100% of American 

Resource Mortgage, Inc., Midwest City, 

Oklahoma, and thereby engage in the 

origination of mortgage loans.

FSB INVESTMENTS LLC

Newspaper:

Federal Register:

* 18C

Not applicable

Norbank, North Kansas City, Missouri, to merge 03/22/2009

with Country Club Bank, N.A., Shawnee 

Mission, Kansas, and incident thereto to 

establish fourteen branches, and to operate 

under the title of Country Club Bank, Kansas 

City, Missouri.

NORBANK

Newspaper:

Federal Register:

* 18C

Not applicable

Platte Valley Bank, Torrington, Wyoming, to 03/14/2009

purchase certain assets and assume certain 

liabilities of the Casper, Wyoming branch of 

Bank of Wyoming, Thermopolis, Wyoming, and 

to operate a full-service branch at such location.

PLATTE VALLEY BANK

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

The Tilden Bank, Tilden, Nebraska, to merge 03/28/2009

with Citizens State Bank, Clearwater, Nebraska 

and incident thereto to establish a branch, and 

to operate under the title of The Tilden Bank, 

Tilden, Nebraska.

TILDEN BANK, THE

* 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

 85052 UINTA BK, MOUNTAIN VIEW, WYOMING 11/17/2008 02/13/2009 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 February 28, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Dallas, Texas, to establish a 

branch to be located at 858 B Street, Hayward, 

California 94541.

COMERICA BANK

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Texas First Bank - Texas City, Texas City, Texas, 03/02/2009

to purchase the assets and assume the liabilities 

of Texas First Bank - Winnie, Winnie, Texas, 

and to establish branches at the following 

locations: 210 Highway 124, Winnie, Texas 

77665; 519 Rollingbrook Drive, Baytown, Texas 

77521; and Highway 124 and F.M. 365, Fannett, 

Texas 77705.

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

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 February 28, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Alta Alliance Bank, Oakland, California, to 03/12/2009

establish a branch facility located at 601 West 

5th Street, Los Angeles, California.

ALTA ALLIANCE BANK

Newspaper:

Federal Register:

CIC 02/06/2009

02/04/2009

Notice by Dorothy Margaret Daly, Oak Brook, 

Illinois, individually and as executor of the 

estate of Denis J. Daly, Sr., or trustee of various 

trusts, to retain 45.6 percent of Trans Pacific 

Bancorp, Inc., and indirectly its subsidiary, 

Trans Pacific National Bank, both of San 

Francisco, California.

TRANS PACIFIC BANCORP

* Subject to the provisions of the Community Reinvestment Act
District: 12

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 2714217 BANK OF SACRAMENTO, SACRAMENTO, CALIFORNIA 10/14/2008 02/04/2009 O Int Sm Bank

 868376 BARNES BKG CO, KAYSVILLE, UTAH 08/11/2008 02/09/2009 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act