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 14, 2009

Board of Governors of the Federal Reserve System, Washington, DC 20551
Monetary and Financial Policy

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

on February 9, 2009.

- Announced, February 9, 2009

Personnel

Division of Information Technology -- appointment of Wayne A. Edmondson as 

deputy director and Rajasekhar R. Yelisetty as assistant director.

- Approved, February 12, 2009

Testimony and Statements

Federal Reserve Credit Programs -- statement by Chairman Bernanke before the 

House Committee on Financial Services on Federal Reserve programs to strengthen 

credit markets and the economy.

- Published, February 10, 2009

Enforcement

Exchange Bank of Missouri, Fayette, Missouri -- written agreement dated August 14, 

2006, terminated January 30, 2009.

- Announced, February 9, 2009

FirstCity Bancorp, Inc., Stockbridge, Georgia -- written agreement with the Federal 

Reserve Bank of Atlanta and the Banking Commissioner of the State of Georgia.

- Announced, February 9, 2009

Genoa Banking Company, Genoa, Ohio -- issuance of a consent order of assessment 

of a civil money penalty.

- Announced, February 9, 2009

H.2 Board Actions February 8, 2009 to February 14, 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

February 8, 2009 to February 14, 2009

Bank Branches, Domestic

Nara Bank, Los Angeles, California -- to establish a branch at 1741-A Route 27, 

Edison, New Jersey.

San Francisco

- Approved, February 13, 2009

Sunrise Bank, Cocoa Beach, Florida -- to establish a branch at 1747 Evans Road, 

Suite 102, Melbourne.

Atlanta

- Withdrawn, February 11, 2009

Bank Holding Companies

Capital One Financial Corporation, McLean, Virginia -- to acquire Chevy Chase 

Bank, F.S.B., McLean.

Richmond

- Approved, February 13, 2009

Carpenter Fund Manager GP, LLC, Irvine, California -- to acquire an interest in 

Heritage Bank, National Association, New York, New York.

San Francisco

- Approved, February 13, 2009

(A/C) = Addition or Correction Delegated - 1 of 3
Bank Holding Companies

Carpenter Fund Manager GP, LLC, Irvine, California -- to acquire CG Holdings, 

Inc., Irvine, and thereby acquire an interest in California General Bank, N.A. (in 

organization), Pasadena, and for CG Holdings, Inc. to become a bank holding 

company and to acquire an interest in California General Bank, N.A. (in 

organization).

San Francisco

- Approved, February 13, 2009

Golden Eagle Bancorp, Inc., Woodstock, Illinois -- to become a bank holding 

company and to acquire Golden Eagle Community Bank, Woodstock, and thereby 

engage in extending credit and servicing loans.

Chicago

- Approved, February 10, 2009

Liberty Bancshares, Jonesboro, Arkansas, and Liberty Bank of Arkansas -- request 

for an exemption under the Depository Institutions Management Interlocks Act and 

Regulation L to permit a director of the Liberty institutions to continue to also serve 

as a director and chairman of Tyronza Bancshares, Marked Tree, Arkansas, and its 

subsidiary bank, First Delta Bank.

General Counsel

- Granted, February 12, 2009

Change in Bank Control

iTeam Companies, Inc., Brookfield, Wisconsin -- change in bank control of iTeam 

and its subsidiary bank, Kenney Bank and Trust, Kenney, Illinois.

Chicago

- Permitted, February 10, 2009

H.2 Actions under delegated authority February 8, 2009 to February 14, 2009

(A/C) = Addition or Correction Delegated - 2 of 3
Extensions of Time

C-B-G, Inc., West Liberty, Iowa -- extension to May 14, 2009, to increase its interest 

in Washington Bancorp, Washington, and its subsidiary bank, Federation Bank.

Chicago

- Granted, February 12, 2009

International Operations

Bank of America, National Association, Charlotte, North Carolina -- to amend the 

articles of association of its Edge subsidiary, Boston Overseas Financial Corporation, 

New York, New York.

Richmond

- Approved, February 13, 2009

Citibank, N.A., New York, New York -- to acquire and make investments, through 

its London branch, in a special-purpose vehicle, under Regulation K.

Director, BS&R

- Approved, February 11, 2009

H.2 Actions under delegated authority February 8, 2009 to February 14, 2009

(A/C) = Addition or Correction Delegated - 3 of 3
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending February 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5 02/20/2009

Application by Independent Bank Corp., 

Rockland, MA to merge with Benjamin Franklin 

Bancorp, Inc.,and thereby acquire its subsidiary 

bank Benjamin Franklin Bank, both of Franklin, 

MA pursuant to sections 3(a)(3)/3(a)(5) of the 

BHC Act.

INDEPENDENT BANK CORP.

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3

* 3A5

Not available

Application filed by Middlesex Bancorp, MHC, 

Natick, Massachusetts to become a mutual bank 

holding company through the acquisition of 

100% of the voting shares of Middlesex Savings 

Bank, Natick, Massachusetts, pursuant to 

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

through merger Service Bancorp, MHC, Service 

Bancorp Inc., and Strata Bank, all located in 

Medway, Massachusetts, pursuant to sections 

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

MIDDLESEX SAVINGS BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Application by State Street Bank and Trust 

Company, Boston, Massachusetts to establish 

a de novo branch office at One Lincoln Street, 

Boston, Massachusetts, pursuant to section 9 

of the Federal Reserve Act and section 208.6 of 

Regulation H.

STATE STREET BANK AND 

TRUST COMPANY

* 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 14, 2009

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 investment in ZAO 

KB Citibank, Moscow, Russia.

CITIBANK, N.A.

Newspaper:

Federal Register:

* 4c8 03/13/2009

02/27/2009

Investors Bancorp, MHC and Investors 

Bancorp, Inc., both of Short Hills, New Jersey to 

acquire American Bancorp of New Jersey, and 

its wholly-owned subsidiary, American Bank of 

New Jersey, both of Bloomfield, New Jersey , 

pursuant to Section 4(c)(8) of the BHC Act and 

Section 225.24 of Regulation Y.

INVESTORS BANCORP, MHC

Newspaper:

Federal Register:

* 3A1 03/02/2009

02/23/2009

Max Bancorp, LLC, New York, New York, to 

become a one-bank holding company by 

acquiring majority of the voting shares of 

Allegiance Community Bank, South Orange, 

New Jersey, pursuant to Section 3(a)(1) of BHC 

Act and Section 225.15 of Regulation Y.

MAX BANCORP, LLC

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

United Overseas Bank Limited, Singapore, to 

establish branches in Los Angeles and New 

York by upgrading its existing agencies, 

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

Regulation K.

UNITED OVERSEAS BANK 

LIMITED

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending February 14, 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 February 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 02/22/2009

02/23/2009

Interagency Notices of Change in Bank Control 

filed by the following persons acting in concert: 

Earl F. Croushorn,II, Rayburn Doss, Mark David 

Goss, Vesper Singleton, Phillip M. Smith, U. 

Wayne Greene, Richard L. Fox, D. Steve 

Tolliver, Donald G. Parsons, Frederick M. 

Busroe,Jr., Gary W. Cupp, James A. Emrich, 

Julie E. Fredrick, and James E.F. Croushorn (also 

individually)to retain and acquire 25% or more 

of the outstanding voting shares of Banco 

Harlan, Inc., Harlan, KY

BANCO HARLAN, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

PNC Bank, Delaware, Wilmington, DE to 01/19/2009

establish a branch at 19312 Lighthouse 

Boulevard, Unit #1, Rehoboth Beach, DE.

PNC BANK, DELAWARE

Newspaper:

Federal Register:

* Branch

Not applicable

PNC Bank, Delaware, Wilmington, DE to 01/19/2009

establish a branch at 220 Town Center Drive, 

Millville, DE.

PNC BANK, DELAWARE

Newspaper:

Federal Register:

* Branch

Not applicable

PNC Bank, Delaware, Wilmington, DE to 01/19/2009

establish a branch at 25939 John J. Williams 

Highway, Long Neck, DE.

PNC BANK, DELAWARE

* 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 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

BCBank, Philippi, West Virginia, to increase its 

investment in bank premises.

BCBANK, INC.

* 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 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Biscayne Bancshares, Inc., to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of Biscayne Bank, both 

of Coconut Grove, Florida.

BISCAYNE BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 02/25/2009

03/02/2009

Prior change in control notice filed by the 

Yoakum Family, LP, Tazewell, Tennesee, to 

acquire 40.87 percent of the outstanding shares 

of common stock of Clairborne Holding 

Company, Inc., and its subsidiary, First Century 

Bank, both of Tazewell, Tennessee.

CLAIBORNE HOLDING 

COMPANY, INC.

Newspaper:

Federal Register:

* 3A1 Not available

03/13/2009

First State Bank of the Florida Keys Holding 

Company, to become a bank holding company 

by acquiring 100 percent of the outstanding 

shares of First State Bank of the Florida Keys, 

both of Key West, Florida.

FIRST STATE BANK OF THE 

FLORIDA KEYS HOLDING 

COMPANY

Newspaper:

Federal Register:

* 18C

* Branch

* 18C

Not applicable

Florida Bank, Tampa, Florida, to merge with 03/09/2009

Florida Bank of Jacksonville, Jacksonville, 

Florida, and The Bank of Tallahassee, 

Tallahassee, Florida.

FLORIDA BANK

Newspaper:

Federal Register:

* 3A1 Not available

03/06/2009

Intercontinental Bankshares, LLC, Coral Gables, 

Florida, to acquire 81 percent of the outstanding 

shares of Intercontinental Bank, West Miami, 

Florida

INTERCONTINENTAL 

BANKSHARES, INC.

Newspaper:

Federal Register:

CIC 02/24/2009

02/20/2009

Prior change in control notice filed by 

Redemptus Group LLC, Dunwoody, Georgia, to 

acquire 24.99 percent of the outstanding shares 

of common stock of McIntosh Bancshares, Inc., 

and its subsidiary, McIntosh State Bank, both 

of Jackson, Georgia.

MCINTOSH BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 02/19/2009

the following branches; 5420 W. Fayetteville 

Rd., College Park, Georgia, to be known as the 

The River's Station Office, and 1628 Cumming 

Hwy, Canton, Georgia, to be known as The 

Canton Marketplace Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 02/22/2009

the following branches; 5795 Airport Road N., 

Naples, Florida, to be known as the Naples 

Boulevard Office, and 12737 Tamiami Trail E., 

Naples, Florida, to be known as the Lely Office.

SUNTRUST BANK

Newspaper:

Federal Register:

CIC 02/25/2009

03/04/2009

Prior change in control notice filed by Michael 

Todd Etheridge of Williston, Florida, to acquire 

0.42 percent of the outstanding shares of 

Willston Holding Company, and its subsidiary, 

Perkins State Bank, both of Williston, Florida.

WILLISTON HOLDING 

COMPANY

* 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 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

03/04/2009

Barlow Banking Corporation, Iowa Falls, Iowa, 

for permission to continue to engage in the 

permissible nonbanking activity of extending 

credit and servicing loans.

BARLOW BANKING 

CORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Garnavillo Bank Corporation, Garnavillo, Iowa, 

to engage in the permissible nonbanking 

activity of insurance in small towns pursuant to 

Section 225.28(b)(11)(iii)(A) of Regulation Y.

GARNAVILLO BANK 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

4c8 03/02/2009

GMAC LLC, Detroit, Michigan, to retain 21.5 

percent of the voting shares of Capmark 

Financial Group, Inc., Horsham, Pennsylvania, 

and thereby indirectly retain control of Capmark 

Bank, Midvale, Utah and Escrow Bank USA, 

Midvale, Utah, and thereby to operate an 

industrial bank.

GMAC LLC

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Rolling Hills Bank & Trust, Atlantic, Iowa, to 

merge with The First National Bank of Brewster, 

Brewster, Minnesota, and thereby to establish 

branches at 224 Tenth Street, Brewster, 

Minnesota and 229 Tenth Street, Worthington, 

Minnesota.

ROLLING HILLS BANK & TRUST

Newspaper:

Federal Register:

* 3A1

4c8

03/02/2009

02/09/2009

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 engage in permissible 

nonbanking activities through 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

 930442 BANK OF PONTIAC, PONTIAC, ILLINOIS 10/14/2008 02/05/2009 S Small Bank

 542649 CHEMICAL BK, MIDLAND, MICHIGAN 08/11/2008 01/29/2009 O Large Bank

 863746 FARMERS & MRCH SVG BK, MANCHESTER, IOWA 10/20/2008 01/27/2009 S Small Bank

 2339795 LIBERTYVILLE B&TC, LIBERTYVILLE, ILLINOIS 09/22/2008 01/26/2009 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 8

Federal Reserve Bank of St. Louis

Filings received during the week ending February 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 8

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending February 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 03/01/2009

03/02/2009

University Financial Corp, Inc., DBA Sunrise 

Community Banks, Saint Paul, Minnesota, to 

acquire 100% of EastBank, Minneapolis, 

Minnesota.

UNIVERSITY FINANCIAL CORP, 

INC. DBA SUNRISE 

COMMUNITY BANKS

* 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 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

03/06/2009

Banner County Ban Corporation, Harrisburg, 

Nebraska, to acquire 100 percent of the voting 

shares of Cowboy State Bank, Ranchester, 

Wyoming.

BANNER COUNTY BAN 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

4c8 03/11/2009

FSB Investments, LLC, Oklahoma City, 

Oklahoma, to become a bank holding company 

through the acquisition of up to 53.89 percent of 

the voting shares of MidWest Community 

Financial Corporation, Midwest City, Oklahoma, 

parent of The First State Bank, Canute, 

Oklahoma. FSB Investments, LLC, Oklahoma 

City, Oklahoma, to acquire 100% of American 

Resource Mortgage, Inc., Midwest City, 

Oklahoma, and thereby engage in the 

origination of mortgage loans.

FSB INVESTMENTS LLC

Newspaper:

Federal Register:

* 3A3 02/27/2009

03/13/2009

Meader Insurance Agency, Inc., Waverly, 

Kansas, to retain an additional .82 percent of the 

voting shares of 1st Financial Bancshares, Inc., 

Overland Park, Kansas, parent of 1st Financial 

Bank, a subsidiary of Sylvan Agency, Inc., both 

of Overland Park, Kansas.

MEADER INSURANCE AGENCY, 

INC.

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Platte Valley Bank, Torrington, Wyoming, to 

purchase certain assets and assume certain 

liabilities of the Casper, Wyoming branch of 

Bank of Wyoming, Thermopolis, Wyoming, and 

to operate a full-service branch at such location.

PLATTE VALLEY BANK

* 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

 896856 CASTLE ROCK BK, CASTLE ROCK, COLORADO 11/17/2008 02/03/2009 S Small Bank

 542854 FARMERS ST BK, PINE BLUFFS, WYOMING 11/03/2008 01/28/2009 S Small Bank

 151555 FIRST BK OF CHANDLER, CHANDLER, OKLAHOMA 11/17/2008 02/03/2009 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending February 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 03/09/2009

03/13/2009

East Texas Bancorp, Inc., Longview, Texas, to 

acquire by merger 100 percent of Hickory Hill 

Bancshares, Inc., Avinger, Texas, and Lone Star 

Bancshares, Inc., Lone Star, Texas, and 

therefore indirectly acquire The First State Bank, 

Avinger, Texas, and The Lone Star Bank, Lone 

Star, Texas, respectively.

EAST TEXAS BANCORP, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Texas First Bank - Texas City, Texas City, Texas, 

to purchase the assets and assume the liabilities 

of Texas First Bank - Winnie, Winnie, Texas, 

and to establish branches at the following 

locations: 210 Highway 124, Winnie, Texas 

77665; 519 Rollingbrook Drive, Baytown, Texas 

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

Texas 77705.

TEXAS FIRST BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Valliance Texas Financial Holdings, Inc,. 

McKinney, Texas, to become a bank holding 

company by acquiring 100 percent of Valliance 

Bank, McKinney, Texas.

VALLIANCE TEXAS FINANCIAL 

HOLDINGS, INC.

* 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 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/04/2009

Notice by Dorothy Margaret Daly, Oak Brook, 

Illinois, individually and as executor of the 

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

trusts, to retain 45.6 percent of Trans Pacific 

Bancorp, Inc., and indirectly its subsidiary, 

Trans Pacific National Bank, both of San 

Francisco, California.

TRANS PACIFIC BANCORP

Newspaper:

Federal Register:

CIC 02/22/2009

02/25/2009

Notice by Koh-Wilshire LP, Los Angeles, 

California, to retain approximately 18.27 percent 

of Wilshire Bancorp, Inc., Los Angeles, 

California, and thereby indirectly retain Wilshire 

State Bank, Los Angeles, California; and 

request by Koh-Wilshire, L.P. for a 

determination of qualified family partnership 

status under the Bank Holding Company Act of 

1956.

WILSHIRE BANCORP, INC.

* 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

 197478 EAST WEST BK, PASADENA, CALIFORNIA 07/07/2008 02/05/2009 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act