Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 1 

Week Ending January 3, 2009

Board of Governors of the Federal Reserve System, Washington, DC 20551
Advisory Councils

Thrift Institutions Advisory Council -- appointment of six new members and 

designation of Curtis L. Hage as president and F. Edward Broadwell Jr. as vice 

president in 2009.

- Announced, December 31, 2008

Bank Holding Companies

CIT Group Inc., New York, New York -- to become a bank holding company on 

conversion of its industrial loan company, CIT Bank, Salt Lake City, Utah, to a state 

bank and to retain certain nonbanking subsidiaries.

- Announced, December 22, 2008

(A/C)

Banks, National

Wachovia Bank, National Association, Charlotte, North Carolina -- request for an 

exemption from section 23A of the Federal Reserve Act and Regulation W to allow 

the bank to purchase auction-rate securities from an affiliate.

- Approved, December 29, 2008

Monetary and Financial Policy

Term Auction Facility -- TAF auction in the amount of $150 billion in 83-day credit 

on December 29, 2008.

- Announced, December 29, 2008

H.2 Board Actions December 28, 2008 to January 3, 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

December 28, 2008 to January 3, 2009

Bank Branches, Domestic

Bank of Versailles, Versailles, Missouri -- to establish a branch at 76 Grand Point 

Boulevard, Sunrise Beach.

Kansas City

- Withdrawn, December 30, 2008

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 348 Lincoln Highway, 

North Versailles, Pennsylvania.

Cleveland

- Approved, December 30, 2008

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

branch at 8155 Maple Lawn Boulevard, Fulton, Maryland.

New York

- Approved, December 31, 2008

Bank Holding Companies

Cornerstone Financial Corporation, Mount Laurel, New Jersey -- to become a bank 

holding company and to acquire Cornerstone Bank, Mount Laurel.

Philadelphia

- Approved, December 30, 2008

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

Discover Financial Services, Riverwoods, Illinois -- to become a bank holding 

company and to acquire Discover Bank, Greenwoods, Delaware, and Bank of New 

Castle, New Castle, and thereby engage in certain permissible nonbanking activities, 

and election to become a financial holding company.

Chicago

- Approved, December 19, 2008

(A/C)

First Reliance Bancshares, Inc., Florence, South Carolina -- relief from a 

commitment.

Richmond

- Granted, December 31, 2008

I Bank Holding Company, Inc., Lakeway, Texas -- to become a bank holding 

company and to acquire Independent Bank of Austin, SSB, Austin.

Dallas

- Approved, January 2, 2009

LeaderOne National, Inc., Overland Park, Kansas -- to become a bank holding 

company and to acquire Signature Bank KC, Haddam, and thereby engage in 

mortgage banking through the acquisition of LeaderOne Financial Corporation, 

Overland Park.

Kansas City

- Withdrawn, January 2, 2009

Lincoln Holding Company, Lincoln, Montana -- to become a bank holding company 

and to acquire The First Bank of Lincoln, Lincoln.

Minneapolis

- Approved, December 31, 2008

H.2 Actions under delegated authority December 28, 2008 to January 3, 2009

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

P/R Bancorp, Carmel, Indiana -- waiver of application to merge with Symphony 

Bancorp, Inc., Indianapolis, in connection with the merger of their respective 

subsidiary banks, Greensfork Township State Bank, Lynn, and Symphony Bank, 

Indianapolis.

Chicago

- Granted, December 31, 2008

Bank Premises

The Bank of Monroe, Union, West Virginia -- to increase its investment in bank 

premises.

Richmond

- Approved, December 30, 2008

Change in Bank Control

Central Bancshares, Inc., Muscatine, Iowa -- change in bank control of Central and 

its subsidiary banks, Central State Bank, Muscatine; Farmers and Mechanics Bank, 

Galesburg, Illinois; Freedom Security Bank, Coralville, Iowa; and West Chester 

Savings Bank, Washington.

Chicago

- Permitted, December 24, 2008

(A/C)

First Bancorp of Sparta, Ltd., Sparta, Illinois -- change in bank control of First 

Bancorp and its subsidiary bank, The First National Bank of Sparta, Sparta.

St. Louis

- Permitted, December 30, 2008

H.2 Actions under delegated authority December 28, 2008 to January 3, 2009

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

Freedom Bancorporation, Inc., Lindstrom, Minnesota -- change in bank control of 

Freedom and its subsidiary bank, Lake Area Bank, Lindstrom.

Minneapolis

- Permitted, December 22, 2008

(A/C)

Waseca Bancshares, Inc., Waseca, Minnesota -- change in bank control of Waseca 

and its subsidiary bank, Roundbank, Waseca.

Minneapolis

- Permitted, December 22, 2008

(A/C)

Extensions of Time

SIS Bancorp, MHC, Sanford, Maine, and SIS Bancorp, Inc. -- extension to March 10, 

2009, to become a mutual bank holding company and stock bank holding company, 

respectively, and to acquire Sanford Institution for Savings, Sanford.

Boston

- Granted, December 29, 2008

International Operations

The Bank of New York Mellon, New York, New York -- waiver of remainder of 

notification period to make an investment in The Bank of New York Mellon S.A., 

Brussels, Belgium.

Director, BS&R

- Granted, December 29, 2008

H.2 Actions under delegated authority December 28, 2008 to January 3, 2009

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

Federal Reserve Bank of Boston

Filings received during the week ending January 3, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending January 3, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 01/10/2009

Buffalo, New York, to establish a branch to be 

located at 10245 Old Georgetown Road, 

Bethesda, Montogomery County, Maryland 

("Wildwood Branch" - RSSD 3866748).

MANUFACTURERS AND 

TRADERS TRUST COMPANY

* 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 January 3, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 01/20/2009

01/21/2009

Louis A. DeNaples and Betty Ann DeNaples, 

Moscow, PA, Louis A. DeNaples, Jr., Dunmore, 

PA, Lisa DeNaples, Mt Pocono, PA, Ann 

DeNaples, Ringoes, NJ, Nicholas DeNaples, 

Margaret DeNaples Glodzik, Dominick 

DeNaples, and Donna DeNaples Dileo, 

Dunmore, PA, Dominick DeNaples and Mary 

Ann DeNaples, Dunmore, PA, Charles 

DeNaples, Roaring Brook Township, PA, Patrick 

DeNaples, Dominick DeNaples, Jr., Anthony 

DeNaples and Joseph DeNaples, Dunmore, PA, 

to retain up to 25% of the shares and thereby 

control of First National Community Bancorp, 

Inc., Dunmore, PA.

FIRST NATIONAL COMMUNITY 

BANCORP INC

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Tower Bancorp, Inc. Greencastle, PA, to acquire 

Graystone Financial Corporation Corp., 

Lancaster, PA. The merger of the holding 

companies will result in the merger of the two 

wholly-owned subsidiaries, The First National 

Bank of Greencastle, Greencastle, PA, and 

Graystone Bank, Lancaster, PA subsequently 

forming Graystone Tower Bank, Lancaster, PA

TOWER BANCORP INC.

* 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 January 3, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 4

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending January 3, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Bank of America, National Association, 

Charlotte, North Carolina, to make an 

investment in BANA Alberta Funding 

Company, ULC, Calgary, Canada.

BANK OF AMERICA, 

NATIONAL ASSOCIATION

Newspaper:

Federal Register:

* 4c8 Not available

01/12/2009

Capital One Financial Corporation, McLean, 

Virginia, to acquire 100% of the voting 

securities of Chevy Chase Bank, F.S.B., 

McLean, Virginia.

CAPITAL ONE FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3 01/17/2009

01/19/2009

FA Capital, LLC. and Community Bank 

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

Richmond, Virginia, to retain control of 6.82% 

and to acquire up to 7.55% of the voting 

securities of Commonwealth Bankshares, Inc., 

Norfolk, Virginia.

COMMUNITY BANK 

INVESTORS OF AMERICA, LP

Newspaper:

Federal Register:

* 3A3 01/22/2009

01/19/2009

FA Capital, LLC. and Community Bank 

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

Richmond, Virginia, to retain control of 5.81% 

and to acquire up to 9.90% of the voting 

securities of ICB Financial, Ontario, California.

COMMUNITY BANK 

INVESTORS OF AMERICA, LP

Newspaper:

Federal Register:

* 4c8 Not available

Not available

FA Capital, LLC. and Community Bank 

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

Richmond, Virginia, to retain control of 8.64% 

and to acquire up to 18.0% of the voting 

securities of Gateway Bank, FSB, San Leandro, 

California.

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 January 3, 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

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 January 3, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

City State Bancorporation, Inc., Central City, 

Iowa, to become a bank holding company by 

acquiring 51.3 percent of MSB Corporation, 

Central City, Iowa, and thereby indirectly 

control City State Bank, Central City, Iowa.

City State Bancorporation, Inc.

Newspaper:

Federal Register:

* Branch

Not applicable

M&I Marshall & Ilsley Bank, Milwaukee, 12/29/2008

Wisconsin, to establish two branches to be 

located at Snelling & Randolph, St. Paul, 

Minnesota and 610 W. Northfield Drive, 

Brownsburg, Indiana.

M&I MARSHALL & ILSLEY 

BANK

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3

4c8

Not available

Tygris Commercial Finance Group, Inc., 

Parsippany, New Jersey, to become a bank 

holding company by acquiring 100 percent of 

the voting shares of Texico Bancshares 

Corporation, Texico, Illinois, and thereby 

indirectly acquire Texico State Bank, Texico, 

Illinois, and to retain 100 percent of Tygris 

Vendor Finance, Inc., Parsippany, New Jersey, 

Tygris Asset Finance, Inc., Chicago, Illinois, 

Tygris Corporate Finance, Inc., Wilton, 

Connecticut, TAF Funding I, LLC, Chicago, 

Illinois, USXL Funding I, LLC, Parsippany, New 

Jersey, USXL Funding II, LLC, Parsippany, New 

Jersey, and Pro-Lease, Inc., Parsippany, New 

Jersey.

Tygris Commercial Finance Group, 

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 January 3, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 12/31/2008

01/21/2009

Notice by Leon Dale Loveall, individually, and 

acting in concert with Marlese Loveall, both of 

Columbia, Missouri, to gain control of Mid 

America Banking Corporation, Columbia, 

Missouri.

MID AMERICA BANKING 

CORPORATION

* 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 January 3, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

1st Bank, Evanston, Wyoming, to merge with 

First National Bank of Morgan, Morgan, Utah, 

and incident thereto establish branches at 120 

North State Street, Morgan, Utah, and 5015 

West Old Hwy Road, Morgan, Utah.

1ST BANK

* 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 January 3, 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 January 3, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 January 3, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 01/23/2009

01/26/2009

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management, LLC, Carpenter Community 

Bancfund, L.P., Carpenter Community 

Bancfund-A, L.P., Carpenter Community 

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

all of Irvine, California, to acquire up to 18 

percent of Heritage Bank, National Association, 

New York, New York.

CARPENTER FUND MANAGER 

GP, LLC

* 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