Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 7 

Week Ending February 13, 2010

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

Federal Reserve's Exit Strategy -- statement by Chairman Bernanke prepared for a 

hearing of the House Committee on Financial Services on the Federal Reserve's 

strategy for exiting from the extraordinary lending and monetary policies 

implemented to combat the financial crisis and support economic activity (hearing 

postponed due to inclement weather).

- Published, February 10, 2010

Systemic Risk -- statement by Governor Tarullo before a subcommittee of the Senate 

Committee on Banking, Housing, and Urban Affairs on equipping financial 

regulators with the tools necessary to monitor systemic risk.

- Published, February 12, 2010

Monetary and Financial Policy

Term Auction Facility -- TAF auction in the amount of $50 billion in 28-day credit 

on February 8, 2010.

- Announced, February 8, 2010

Reserve Bank Operations

Reserve Bank Directors -- appointment of a director of the Little Rock Branch of the 

Federal Reserve Bank of St. Louis.

- Approved, February 2, 2010

(A/C)

H.2 Board Actions February 7, 2010 to February 13, 2010

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

February 7, 2010 to February 13, 2010

Bank Holding Companies

Excel Bancorp, LLC, St. Clairsville, Ohio -- to acquire an interest in Ohio Legacy 

Corp., Wooster, and Ohio Legacy Bank, N.A.

Cleveland

- Approved, February 12, 2010

Investors Bancorp, MHC, Short Hills, New Jersey, and Investors Bancorp, Inc. -- to 

retain ASB Investment Corp, Short Hills, and American Savings Investment Corp., 

and thereby engage in certain nonbanking activities.

New York

- Withdrawn, February 9, 2010

Bank Mergers

Colorado Community Bank, Yuma, Colorado -- to purchase certain assets and 

assume certain liabilities of the Northglenn and Longmont branches of Liberty 

Savings Bank, FSB, Wilmington, Ohio.

Kansas City

- Approved, February 12, 2010

Change in Bank Control

First Busey Corporation, Champaign, Illinois -- change in bank control of First Busey 

and its subsidiary bank, Busey Bank, Champaign.

Chicago

- Permitted, February 12, 2010

(A/C) = Addition or Correction Delegated - 1 of 2
Extensions of Time

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga 

Springs, New York -- extension to June 4, 2010, to acquire additional shares of 473 

Broadway Holding Corporation, Saratoga Springs, and of The Adirondack Trust 

Company.

New York

- Granted, February 10, 2010

Morgan Stanley, New York, New York -- extension to April 10, 2011, to make an 

investment in a United Kingdom bank.

New York

- Granted, February 11, 2010

H.2 Actions under delegated authority February 7, 2010 to February 13, 2010

(A/C) = Addition or Correction Delegated - 2 of 2
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending February 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Application by Marblehead Bank, Marblehead, 

Massachusetts to establish a de novo branch 

office at 100 Cummings Center, Beverely, 

Massachusetts, pursuant to section 9 of the 

Federal Reserve Act and section 208.6 of 

Regulation H.

MARBLEHEAD 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 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citibank, N.A., Las Vegas, Nevada and Citibank 

Overseas Investment Corporation, New Castle, 

Delaware, pursuant to Section 211.9(f) of 

Regulation K, to make an additional investment 

in Banco de Chile, Santiago, Chile.

CITIBANK, N.A.

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8

* 3A3

02/19/2010

First Niagara Financial Group, Inc., Buffalo, New 

York ("FNFG"), to become a bank holding 

company by acquiring Harleysville National 

Corporation and Harleysville National Bank and 

Trust Company, both of Harleysville, 

Pennsylvania. FNFG to retain First Niagara 

Bank, Buffalo, New York ("FNB"), and thereby 

operate a savings association. FNFG to retain 

FNB upon conversion of FNB to a national 

bank, pursuant to Section 3(a)(3) of the BHC 

Act.

FIRST NIAGARA FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Natixis, Paris, France, to establish an additional 

branch in New York, New York, pursuant to 

Section 211.24(a)(2)(i)(A) of Regulation K.

NATIXIS

* 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 13, 2010

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

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 February 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notice of Change in Bank Control 

filed by the Rogers Immediate Family Control 

Group to acquire 10 percent or more of the 

outstanding voting shares and control of 

Citizens Bancshares, Inc., thereby indirectly 

acquiring control of The Citizens National Bank 

of Somerset, both of Somerset, Kentucky.

CITIZENS BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notice of Change in Bank Control 

filed by Harris Rakestraw, III, individually,to 

acquire 10 percent or more of the outstanding 

voting shares and control of Citizens 

Bancshares, Inc., thereby indirectly acquiring 

control of The Citizens National Bank of 

Somerset, both of Somerset, Kentucky.

CITIZENS BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice of Change in Bank Control filed by 

Hometown Bancshares, Inc. 401(k) Profit 

Sharing Plan (Timothy Robert Aiken, Trustee), 

Middlebourne, WV to retain control of 10.77 

percent of the outstanding voting shares of 

Hometown Bancshares, Inc., Middlebourne, 

WV.

HOMETOWN BANCSHARES, 

INC.

* 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 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

Not available

FA Capital, LLC. and Community Bank 03/14/2010

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

Richmond, Virginia, to increase their investment 

in Progress Bank of Florida, Tampa, Florida, 

from 39.36% to up to 49.99%.

COMMUNITY BANK 

INVESTORS OF AMERICA, LP

* Subject to the provisions of the Community Reinvestment Act
District: 5

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 6

Federal Reserve Bank of Atlanta

Filings received during the week ending February 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA

Not applicable

Banco Davivienda, S.A., Bogota, Colombia, to 03/15/2010

convert its Edge Act banking corporation 

subsidiary, Bancafe International, to 

international bank branch offices located at 801 

Brickell Avenue, Miami, Florida, and 1110 

Brickell Avenue, Miami, Florida.

BANCO DAVIVIENDA S.A.

Newspaper:

Federal Register:

CIC Not available

02/09/2010

Prior change in control notice filed by Marty E. 

Adams, Salineville, Ohio; Kevin T. Thompson, 

Saint Augustine, Florida; and John S. Loeber, 

Travelers Rest, South Carolina; to acquire 

control of Palm Bancorp, Inc., and its subsidiary 

bank, Palm Bank, both of Tampa, Florida.

PALM BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 02/13/2010

02/12/2010

State Bank Financial Corporation, Atlanta, 

Georgia, to become a bank holding company by 

acquiring 100 percent of the outstanding shares 

of State Bank and Trust Company, Macon 

(Pinehurst), Georgia.

STATE BANK FINANCIAL 

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 February 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Ida Grove Bancshares, Inc., Ida Grove, Iowa, to 

retain the nonbanking activity of engaging de 

novo in leasing personal or real property.

IDA GROVE BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

M&I Marshall and Ilsley Bank, Milwaukee, 

Wisconsin, to merge with Southwest Bank, an 

M&I Bank, St. Louis, Missouri, and thereby to 

establish 17 branches.

M&I MARSHALL & ILSLEY 

BANK

* 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 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

The Peoples Bank, Marion, Kentucky, to 02/19/2010

establish a branch facility to be located at 605C 

Happy Valley Road, Glasgow, Kentucky.

PEOPLES BANK, THE

* 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 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/16/2010

Change in Control Notice by Charles H. Burke 

III, Pierre, South Dakota, as an individual, to 

acquire 72 percent or more of the shares of 

South Dakota Bancshares Inc., Pierre, South 

Dakota, and thereby indirectly gain control of 

BankWest Inc., Pierre, South Dakota.

SOUTH DAKOTA 

BANCSHARES, 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 February 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 02/07/2010

02/05/2010

First National Management Group, LLC, 

Greenwood Village, Colorado, to become a bank 

holding company through the acquisition of at 

least 93 percent of the voting shares of Amoret 

Bancshares, Inc., parent of BC National Banks, 

both in Butler, Missouri.

FIRST NATIONAL 

MANAGEMENT GROUP, LLC

Newspaper:

Federal Register:

CIC 02/18/2010

02/09/2010

Notification by Verlyn Joseph Herman, Jr., and 

Aaron Joseph Herman, both of Norton, Kansas, 

as members of a family group acting in concert, 

to retain control of First Norton Corporation, 

parent of First Security Bank & Trust Company, 

both of Norton, Kansas.

FIRST NORTON 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 February 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

Not available

Bank4Texas Holdings, Inc., Tomball, Texas, to 03/10/2010

become a bank holding company by acquiring 

100 percent of Northern Bancshares, Inc., 

Chillicothe, Texas, and indirectly acquire The 

First National Bank of Chillicothe, Chillicothe, 

Texas.

BANK4TEXAS HOLDINGS, INC.

Newspaper:

Federal Register:

CIC 02/19/2010

02/02/2010

Notice by Capital Z Partners III GP, LTD, George 

Town, Cayman Islands; Capital Z Partners III 

GP, L.P., George Town, Cayman Islands; Capital 

Z Partners Management, LLC, Dover, Delaware; 

Capital Z Partners III, L.P., George Town, 

Cayman Islands; and Bradley E. Cooper, New 

York, New York and Robert A. Spass, New York, 

New York, as principals, to acquire 10 percent or 

more of the shares of Opportunity Bancshares, 

Inc., Bettendorf, Iowa. Opportunity 

Bancshares, Inc. controls Opportunity Bank, 

N.A., Richardson, Texas.

OPPORTUNITY BANCSHARES, 

INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Southwest Bank, Fort Worth, Texas, to 

establish a branch to be located at 901 South 

MoPac Expressway, Building 3, Suite 120, 

Austin, Texas 78746.

SOUTHWEST 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 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

01/29/2010

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management, LLC, Carpenter Community 

Bancfund, L.P., Carpenter Community 

Bancfund-A, LP, Carpenter Community 

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

all of Irvine, California, to acquire up to 87 

percent of the outstanding voting shares of 

Mission Community Bancorp and thereby 

indirectly acquire a greater controlling interest 

in Mission Community Bank, both of San Luis 

Obispo, California; and 2) Mission Community 

Bancorp and Mission Community Bank, both of 

San Luis Obispo, California, to appoint Stephen 

P. Yost as a director of both Bancorp and Bank.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

CIC Not available

Not available

Charles W. Reinking, Santa Rosa, California, to 

become co-Trustee of the Frank P. Doyle Trust, 

Article IX, which retains voting control of 

Exchange Bank, both of Santa Rosa, California.

FRANK P. DOYLE TRUST, 

ARTICLE IX

Newspaper:

Federal Register:

* 3A1 Not available

12/07/2009

Golden Pacific Bancorp, Inc., Sacramento, 

California, to become a Bank Holding Company 

by acquiring 100 percent of the voting stock of 

Gold Country Financial Services, Inc., and 

indirectly its subsidiary, Gold Country 

Bank,National Association, both of Marysville, 

California.

GOLDEN PACIFIC BANCORP, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Green Dot Corporation, Monrovia, California, to 

become a bank holding company by acquiring 

100 percent of Bonneville Bancorp, and thereby 

indirectly acquiring 100 percent of Bonneville 

Bank, both of Provo, Utah.

Green Dot Corporation

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Land Bank of Taiwan Co., Ltd., Taipei, Taiwan, 

to establish a New York branch office pursuant 

to section 211.24(a)(2)(i)(A) of Regulation K.

LAND BANK OF TAIWAN

* 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