Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 32 

Week Ending August 8, 2009

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

Bank Supervision -- statement by Governor Tarullo before the Senate Committee on 

Banking, Housing, and Urban Affairs on elements of an effective framework for 

improved prudential supervision and actions taken by the Federal Reserve to 

strengthen supervision of banks and bank holding companies.

- Published, August 4, 2009

Enforcement

FCB Financial, Inc., Tampa, Florida -- written agreement with the Federal Reserve 

Bank of Atlanta.

- Announced, August 4, 2009

Imperial Capital Bancorp, Inc., La Jolla, California -- written agreement with the 

Federal Reserve Bank of San Francisco and the State of California Department of 

Financial Institutions.

- Announced, August 4, 2009

Sterling Banks, Inc., Mount Laurel, New Jersey, and Sterling Bank -- written 

agreement with the Federal Reserve Bank of Philadelphia and the New Jersey 

Department of Banking and Insurance.

- Announced, August 6, 2009

Warren Bank, Warren, Michigan -- issuance of a prompt corrective action directive 

against the bank.

- Announced, August 3, 2009

H.2 Board Actions August 2, 2009 to August 8, 2009

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

August 2, 2009 to August 8, 2009

Bank Branches, Domestic

Central State Bank, Calera, Alabama -- to establish a branch at 71 Limestone 

Parkway, Calera.

Atlanta

- Approved, August 6, 2009

Comerica Bank, Dallas, Texas -- to establish branches at 2200 South Gilbert Road, 

Chandler, Arizona, and 1831 North Pebble Creek Parkway, Goodyear.

Dallas

- Approved, August 4, 2009

Bank Holding Companies

A.N.B. Holding Company, Ltd., Terrell, Texas -- to acquire additional shares of The 

ANB Corporation, Terrell, and indirectly acquire additional shares in its subsidiaries, 

The American National Bank; Lakeside Bancshares, Inc., Rockwall; and Lakeside 

National Bank.

Dallas

- Approved, August 7, 2009

Haven Bancorp, MHC, Hoboken, New Jersey, and Haven Bancorp, Inc. -- to acquire 

Haven Savings Bank, Hoboken.

New York

- Approved, August 7, 2009

(A/C) = Addition or Correction Delegated - 1 of 2
Bank Holding Companies

Tri Valley Bancshares, Inc., Lincoln, Nebraska -- to become a bank holding company 

and to acquire Tri-Valley Bank, Talmage.

Kansas City

- Withdrawn, August 7, 2009

Bank Premises

Benchmark Community Bank, Kenbridge, Virginia -- to increase its investment in 

bank premises.

Richmond

- Approved, August 6, 2009

Change in Bank Control

Heritage First Bancshares, Inc., Rome, Georgia -- change in bank control of Heritage 

First and its subsidiary banks, Heritage First Bank, Rome, and Heritage First Bank, 

Orange Beach, Alabama.

Atlanta

- Permitted, August 4, 2009

State Bank Corp., Lake Havasu City, Arizona -- to retain control of State Bank Corp. 

and its subsidiary bank, Mohave State Bank, Lake Havasu City.

San Francisco

- Permitted, August 6, 2009

International Operations

Banco Popular de Puerto Rico, San Juan, Puerto Rico -- to establish BP Sirenusa 

International, LLC as an agreement corporation.

New York

- Withdrawn, August 6, 2009

H.2 Actions under delegated authority August 2, 2009 to August 8, 2009

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

Federal Reserve Bank of Boston

Filings received during the week ending August 8, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

* 3A5

08/30/2009

08/31/2009

Application filed by Danvers Bancorp, Inc., 

Danvers, Massachusetts to acquire through 

merger Beverly National Corporation and 

Beverly National Bank, all located in Beverly, 

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

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

DANVERS BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice pursuant to the Change in Bank Control 

Act of 1978 by Warburg Pincus Private Equity 

X, L.P., and Warburg Pincus X Partners, L.P., 

and their controlling affiliates, with respect to an 

additional investment in Webster Financial 

Corporation.

WARBURG PINCUS PRIVATE 

EQUITY X, L.P.

* 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 August 8, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 08/24/2009

08/28/2009

The Adirondack Trust Company Employee 

Stock Ownership Trust, Saratoga Springs, New 

York, to acquire twenty five additional shares of 

473 Broadway Holding Corporation and to 

acquire one thousand additional shares of The 

Adirondack Trust Company, both of Saratoga 

Springs, New York.

ADIRONDACK TRUST 

COMPANY EMPLOYEE STOCK 

OWNERSHIP TRUST, THE

Newspaper:

Federal Register:

* 3A1 08/31/2009

09/09/2009

Alcar, LLC, New York, New York, to become a 

bank holding company by acquiring at least 90 

percent of the voting shares, or otherwise 

control, of Darien Rowayton Bank, Darien, 

Connecticut, pursuant to Section 3(a)(1) of BHC 

Act and Section 225.15 of Regulation Y.

ALCAR LLC

Newspaper:

Federal Register:

4c8 Not applicable

08/24/2009

Banco do Brasil, S.A., Brasilia, Brazil, and Caixa 

de Previdencia dos Funcionarios do Banco do 

Brasil, Rio De Janiero, Brazil, pursuant to 

Section 4(c)(8) of the Bank Holding Company 

Act of 1956, as amended, and Section 225.24 of 

Regulation Y, to engage in securities brokerage 

activities in the United States through Banco 

Votorantim Securities, Inc., Sao Paulo, Brazil.

BANCO DO BRASIL S.A.

Newspaper:

Federal Register:

* 3A3 08/27/2009

08/28/2009

Morgan Stanley, New York, New York, to retain 

9.2 percent of the common stock and acquire 

additional shares up to a total of 9.9 percent of 

the common stock of Community Bankers Trust 

Corporation, Glen Allen, Virginia, pursuant to 

Section 3(a)(3) of the Bank Holding Company 

Act of 1956, as amended, and Section 225.14 of 

Regulation Y.

MORGAN STANLEY

* 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 August 8, 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

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 August 8, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Fifth Third Bank, Cincinnati, OH to merge with 08/15/2009

Fifth Third Bank, Grand Rapids, MI and incident 

thereto establish branches.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Fifth Third Bank, Cincinnati, OH to merge with 08/15/2009

Fifth Third Bank, National Association, 

Nashville, TN and incident thereto establish 

branches.

FIFTH THIRD BANK

* 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 August 8, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

MainStreet Bank, Herndon, Virginia, to establish 

a branch at 3101 N 10th St., Arlington, Virginia

MAINSTREET 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 August 8, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/26/2009

Prior change in control notice filed by Don 

Arthur Barnette, Jonesboro, Georiga, to acquire 

an additional 3.20 percent of the outstanding 

shares of CCB Financial Corporation, and its 

subsidiary bank, Community Capital Bank, both 

of Jonesboro, Georgia. Total pro forma 

ownership will equal 13.36 percent.

CCB FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC 08/26/2009

08/26/2009

Prior change in control notice filed by Gregory 

Investments LLC, and Odric Gregory as Chief 

Manager, both of Gallatin, Tennessee, to 

acquire an additional 0.37 percent of the 

outstanding shares of Macon Banctrust, Inc., 

and its subsidiary bank, Macon Bank and Trust 

Company, both of Lafayette, Tennessee. Total 

pro forma ownership will equal 10.1 percent.

MACON BANCTRUST, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Reliant Bank, Brentwood, Tennessee, to 08/15/2009

establish a branch located at 101 Creekstone 

Boulevard, Suite 100, Franklin, Tennessee.

RELIANT BANK

Newspaper:

Federal Register:

* 3A3 Not available

09/08/2009

USAmeriBancorp, Inc., Key Largo, Florida, to 

acquire 83.3 percent of the outstanding shares 

of Aliant Financial Corporation, and its 

subsidiary, Aliant Bank, both of Alexander City, 

Alabama.

USAMERIBANCORP, INC.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 8, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

12-day Notice - Agricultural Banking 

Corporation, Paxton, Illinois, proposes to 

engage de novo in extending credit and 

servicing loans.

AGRICULTURAL BANKING 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

08/14/2009

C-B-G, Inc., West Liberty, Iowa, to acquire up to 

$5,000,000 in additional stock and increase its 

ownership to up to 50.01 percent of 

Washington Bancorp, Washington, Iowa, and 

thereby indirectly increase its ownership of 

Federation Bank, Washington, Iowa.

C-B-G, INC.

Newspaper:

Federal Register:

* 3A1 Not available

09/03/2009

Eagle Financial Corp., Casey, Illinois, to become 

a bank holding company by acquiring 100 

percent of Casey State Bank, Casey, Illinois and 

First State Bank, Biggsville, Illinois.

Eagle Financial Corp.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Reg K - GMAC Inc., Detroit, Michigan, to make 

an additional investment in Provident Insurance 

plc, Halifax, England.

GMAC 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

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 August 8, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/25/2009

Notice by Kerry A. Smith, Lawrenceburg, 

Kentucky, to gain control of Century 

Bancshares, Inc., Lawrenceburg, Kentucky.

CENTURY BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

08/25/2009

Notice by Thomas H. Smith and Melinda G. 

Smith, both of Lawrenceburg, Kentucky, to gain 

control of Century Bancshares, Inc., 

Lawrenceburg, Kentucky.

CENTURY BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

09/03/2009

Truman Investment Group, Inc., St. Louis, 

Missouri, to become a bank holding company 

by acquiring 25.3 percent of Truman Bancorp, 

Inc., Clayton, Missouri, and thereby indirectly 

acquire Truman Bank, St. Louis, Missouri.

TRUMAN INVESTMENT GROUP, 

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 August 8, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 August 8, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 10

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 11

Federal Reserve Bank of Dallas

Filings received during the week ending August 8, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 08/28/2009

08/26/2009

Notice by Mr. Harold Ira Kane, Corpus Christi, 

Texas, to retain ownership and control of 14.75 

percent in Charter Bancshares, Inc., Corpus 

Christi, Texas and indirectly Charter Alliance 

Bank (de novo), Corpus Christi, Texas, Charter 

IBHC, Inc., Wilmington, Delaware, and Charter 

Bank, Corpus Christi, Texas.

CHARTER BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 08/21/2009

08/20/2009

Community Trust Financial Corporation, 

Ruston, Louisiana, to acquire by merger First 

Louisiana Bancshares, Inc., Shreveport, 

Louisiana, and indirectly acquire First 

Louisiana Bank, Shreveport, Louisiana.

COMMUNITY TRUST 

FINANCIAL CORPORATION

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Texas First Bank, Texas City, Texas, to merge 

with affiliate 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 August 8, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/24/2009

Castle Creek Capital Partners III, L.P., Castle 

Creek Capital III LLC, Eggemeyer Capital LLC, 

Ruh Capital LLC, and Legions IV Advisory 

Corp., all of Rancho Santa Fe, California, to 

increase from 40.3 percent up to 55.0 percent 

their ownership of First Chicago Bancorp and 

indirectly First Chicago Bank and Trust 

Company, both of Chicago, Illinois, pursuant to 

Section 3(a)(3) of the Bank Holding Company 

Act.

CASTLE CREEK CAPITAL 

PARTNERS III, L.P.

Newspaper:

Federal Register:

CIC Not available

Not available

Dante B. Benedetti, Petaluma, California, and 

James M. Ryan, Santa Rosa, California, to 

become trustees of the Frank P. Doyle Trust, 

Article IX, and thereby retain voting control of 

Exchange Bank, both of Santa Rosa, California.

FRANK P. DOYLE TRUST, 

ARTICLE IX

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Global Consumer Acquisition Corp., New York, 

New York, to become a bank holding company 

(to become Western Liberty Bancorp, Las 

Vegas, Nevada) by acquiring 100 percent of 1st 

Commerce Bank, North Las Vegas, Nevada, and 

certain Nevada Colonial Bank, Las Vegas, 

Nevada, assets and deposit liabilities.

Global Consumer Acquisition Corp

Newspaper:

Federal Register:

* 3A3 Not available

08/28/2009

Mitsubishi UFJ Financial Group, Inc., The Bank 

of Tokyo-Mitsubishi UFJ, Ltd, both of Tokyo, 

Japan, and UnionBanCal Corporation, San 

Francisco, California, to acquire First State 

Bank-Winnie, Winnie, Texas, and 

simultaneously merge it with and into Union 

Bank, National Association, San Francisco, 

California.

MITSUBISHI UFJ FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

CIC

Not available

Notice by Rommel R. Medina and Ruell R. 08/07/2009

Medina, both of San Bruno, California, to 

acquire additional voting shares of MNB 

Holdings Corporation, and indirectly, voting 

shares of Mission National Bank, both of San 

Francisco, California.

MNB HOLDINGS CORPORATION

* 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