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ANNOUNCEMENT BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM H.2, 1993, No. 15 Actions of the Board, its Staff, and the Federal Reserve Banks; Applications and Reports Received During the Week Ending April 10, 1993 ACTIONS TAKEN BY THE BOARD OF GOVERNORS BANK MERGERS Alice Bank of Texas, Alice, Texas — request for reconsideration of BoardTs approval of application to purchase the assets and assume the liabilities of New First City, Texas-Alice, Alice, Texas. Denied, April 7, 1993. ENFORCEMENT Arrow Financial Corporation, Glens Falls, New York, and Arrow Vermont Corporation, Rutland, Vermont — amendment to the written agreement dated July 22, 1992, with the Federal Reserve Bank of New York. Announced, April 5, 1993. Citizens First Bancorp, Inc., Glen Rock, New Jersey - amendment to written agreement dated December 18, 1990, with the Federal Reserve Bank of New York. Announced, April 5, 1993. INTERNATIONAL OPERATIONS Chase Manhattan Overseas Banking Corporation, Wilmington, Delaware — to invest in Chase Finanziaria S.p.A., Milan, Italy. Permitted, April 5, 1993. ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY ABBREVIATIONS: BS&R - Banking Supervision and Regulation; C&CA - Consumer and Community Affairs; FOMC - Federal Open Market Committee; FRBO - Federal Reserve Bank Operations; IF - International Finance; OSDM - Office of Staff Director for Management BANK BRANCHES, DOMESTIC Atlanta Barnett Bank of Volusia County, Deland, Florida — to establish a branch at 1454 West Granada Boulevard, Ormond Beach, Florida. Approved, April 6, 1993. Atlanta Barnett Bank of Volusia County, Deland, Florida — establish a branch at 2160 Howland Boulevard, Deltona, Florida. Approved, April 6, 1993. to H.2 APRIL 5, 1993 PAGE 2 TO APRIL 9, 1993 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK BRANCHES> DOMESTIC New York Fleet Bank of New York, Albany, New York — to operate an offsite electronic facility at certain locations in New York state. Approved, April 8, 1993. Richmond Mellon Bank (MD), Rockville, Maryland — to establish a branch at 2051 West Street, Annapolis, Maryland. Approved, April 9, 1993. St. Louis Mid-America Bank and Trust Company of Louisville, Louisville, Kentucky — to establish a branch at Cane Run Road and Crums Lane. Approved, April 9, 1993. Richmond Signet Bank / Virginia, Richmond, Virginia — to establish a branch at the South Hill Crossings Shopping Center, near the corner of Peebles Drive and Route 58, South Hill, Virginia. Approved, April 9, 1993. Atlanta Sun Bank of Tampa Bay, Tampa, Florida — a branch at 1705 North Howard Avenue. Approved, April 7, 1993. to establish BANK HOLDING COMPANIES Chicago Alliance Financial Corporation, New Buffalo, Michigan — to engage de novo in securities brokerage activities through Alliance Financial Services Corporation. Returned, April 5, 1993. St. Louis AmBanc Corp., Vincennes, Indiana — to acquire Farmers State Bank of Palestine, Palestine, Illinois. Approved, April 7, 1993. Cleveland Banc One Corporation, Columbus, Ohio — proposal to acquire certain assets and assume certain liabilities of the Grand Junction, Colorado, branch of Great American Federal Savings Association, San Diego, California. Approved, April 9, 1993. H.2 APRIL 5, 1993 PAGE 3 TO APRIL 9, 1993 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK HOLDING COMPANIES Chicago Bourbonnais Bancorp, Inc., Wheaton, Illinois — to,. acquire Bank of Bourbonnais, Bourbonnais, Illinois. Approved, April 8, 1993. St. Louis Bridgeport Bancorp, Inc., Bridgeport, Illinois — acquire First National Bank of Bridgeport. Approved, April 5, 1993. Kansas City CLC Enterprises, Inc., Nelson, Nebraska — to continue to engage in lending activities. Returned, April 5, 1993. Chicago Columbus Bancorp, Inc., Indianapolis, Indiana — engage de novo in lending activities. Permitted, April 7, 1993. Chicago Comerica Incorporated, Detroit, Michigan — to engage de novo in investment activities concerning projects designed to promote community welfare through Comerica Community Development Corporation, Detroit, Michigan. Returned, April 6, 1993. Chicago Comerica Incorporated, Detroit, Michigan — to engage in a community investment project through Gladeshire Limited Dividend Housing Association Limited Partnership, Kalamazoo, Michigan. Permitted, April 7, 1993. Richmond Crestar Financial Corporation, Richmond, Virginia — to engage in selling annuities. Approved, April 7, 1993. Minneapolis First Bank System, Inc., Minneapolis, Minnesota, and Central Bancorporation, Inc., Denver, Colorado — proposal that Central Bank, N.A., merge with Bank Western, fsb, or its proposed successor-by conversion, Bank Western, N.A. Withdrawn, April 9, 1993. Kansas City First National Beatrice Corporation ESOP, Beatrice, Nebraska — to acquire First National Beatrice Corporation, Beatrice, Nebraska. Withdrawn, April 6, 1993. to to H. 2 APRIL 5, 1993 PAGE 4 TO APRIL 9, 1993 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK HOLDING COMPANIES Richmond First Union Corporation, Charlotte, North Carolina — proposal that World Acceptance Corporation, Greenville, South Carolina, acquire ParaData Financial System, Inc., Earth City, Missouri. Approved, April 7, 1993. Chicago Illinois State Bancorp, Inc., Wheaton, Illinois — acquire Bourbonnais Bancorp, Inc., and Bank of Bourbonnais, Bourbonnais, Illinois. Approved, April 8, 1993. Director, BS&R Old National Bancorp, Evansville, Indiana — agent registrat ion. Approved, April 5, 1993. Secretary Panhandle Bancshares, Inc., Panhandle, Texas — to engage de novo in management consulting services and tax preparation services through Panhandle Financial Services, Inc. Permitted, April 9, 1993. Chicago Salin Bancshares, Inc., Indianapolis, Indiana — engage de novo in lending activities. Permitted, April 7, 1993. Philadelphia SUN Bancorp, Inc., Selinsgrove, Pennsylvania — to engage de novo in credit related insurance through Pennsylvania Life Insurance Company. Approved, April 8, 1993. Minneapolis United BankersT Bancorporation, Inc., Bloomington, Minnesota — to acquire the United Bankers1 Bank. Returned, April 5, 1993. Dallas Winn Bancshares, Inc., Winnfield, Louisiana — acquire Winn State Bank and Trust Company. Returned, April 5, 1993. San Francisco Zions Bancorporation, Salt Lake City, Utah, and American Bankers Insurance Group, Inc., Miami, Florida — joint venture for American Bankers to buy shares of Zions Life Insurance Company. Approved, April 5, 1993. to transfer to to H.2 APRIL 5, 1993 PAGE 5 TO APRIL 9, 1993 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK MERGERS Kansas City Bank of Woodward, Woodward, Oklahoma, to merge with Cimarron Bank, Waukomis, Oklahoma, and to establish a branch. Approved, April 9, 1993. New York Salamanca Trust Company, Salamanca, New York — to purchase certain assets and assume certain liabilities of the branch at 60 West Main Street, Allegany, New York, of Chemical Bank, New York, New York. Approved, April 9, 1993. BANK PREMISES Kansas City Friendly Bank of Oklahoma City, Oklahoma City, Oklahoma — investment in bank premises. Approved, April 5, 1993. New York Salamanca Trust Company, Salamanca, New York — investment in bank premises. Approved, April 9, 1993. BANKS, NONMEMBER, AND MISCELLANEOUS INSTITUTIONS Kansas City White Crown Federal Credit Union, Denver, Colorado, and North American Savings Bank, Grandview, Missouri — registered lender status. Withdrawn, April 8, 1993. CAPITAL STOCK Kansas City Anadarko Jancshares, Inc., Bristow, Oklahoma — redemption of shares. Approved, April 6, 1993. Kansas City Sooner Southwest Bankshares, Inc., Bristow, Oklahoma — redemption of shares. Approved, April 6, 1993. H .2 APRIL 5, 1993 PAGE 6 TO APRIL 9, 1993 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY CHANGE IN BANK CONTROL Kansas City Anadarko Bancshares, Inc., Bristow, Oklahoma — change in bank control. Permitted, April 6, 1993. Minneapolis Kerkhoven Bancshares, Inc., Kerkhoven, Minnesota — change in bank control. Returned, April 8, 1993. Kansas City Sooner Southwest Bankshares, Inc., Bristow, Oklahoma — change in bank control. Permitted, April 6, 1993. COMPETITIVE FACTORS REPORTS Kansas City BANK IV Kansas, National Association, Wichita, Kansas, proposed merger with The Farmers and Merchants State Bank, Derby, Kansas — report on competitive factors. Submitted, April 8, 1993. Boston Cheshire County Savings Bank, Keene, New Hampshire, proposed merger with The Monadnock Bank, Jaffrey, New Hampshire — report on competitive factors. Submitted, April 9, 1993. St. Louis Farmers State Bank of Palestine, Palestine, Illinois proposed merger with New Bank — report on competitive factors. Submitted, April 6, 1993. Cleveland Mercer County State Bank, Sandy Lake, Pennsylvania, proposed acquisition of certain assets and assumption of certain liabilities of the Clintonville branch of Mellon Bank, N.A., Greensburg, Pennsylvania — report on competitive factors. Submitted, April 7, 1993. Kansas City Sunflower Bank, National Association, Salina, Kansas proposed merger with City Bank and Trust Company, Wichita, Kansas — report on competitive factors. Submitted, April 8, 1993. H .2 APRIL 5, 1993 PAGE 7 TO APRIL 9, 1993 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY EXTENSIONS OF TIME San Francisco BankAmerica Corporation, San Francisco, California — extensions to divest certain properties. Granted, April 6, 1993. Minneapolis Bowbells Holding Company, Bowbells, North Dakota — extension to July 7, 1993, to acquire First National Bank of Minot, Minot, North Dakota. Granted, April 7, 1993. Kansas City First Liberty Capital Corporation ESOP, Hugo, Colorado — extension to May 14, 1993, to acquire First Liberty Capital Corporation. Granted, April 7, 1993. Richmond NationsBank Corporation, Charlotte, North Carolina — extension to July 13, 1993, to acquire the assets of the Canadian affiliates of Chrysler First, Inc., Allentown, Pennsylvania. Approved, April 9, 1993. Atlanta Tomoka Bancorp, Inc., Ormond Beach, Florida — extension to July 9, 1993, to acquire Tomoka State Bank. Granted, April 7, 1993. Kansas City United Missouri Bancshares, Inc., Kansas City, Missouri, and United Subsidiary, Inc. — extension to June 30, 1993, to acquire Overland Park Bancshares, Inc., Overland Park, Kansas, and CNB Financial Corporation, Kansas City, Kansas. Granted, April 5, 1993. Atlanta Volunteer State Bancshares, Inc., Portland, Tennessee — extension to July 15, 1993, within which to accomplish redemption of shares. Granted, April 5, 1993. MEMBERSHIP Kansas City OMNIBANK Commerce City, Commerce City, Colorado — become a member of the Federal Reserve System. Approved, April 7, 1993. to H.2 APRIL 5, 1993 PAGE 8 TO APRIL 9, 1993 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY RESERVE BANK OPERATIONS Director, FRBO Federal Reserve Bank of Atlanta — check operation area. Approved, April 8, 1993. to renovate the ADDITIONS AND CORRECTIONS H.2 APRIL 5, 1993 PAGE 9 TO APRIL 9, 1993 ACTIONS TAKEN BY THE BOARD OF GOVERNORS ADDITIONS AND CORRECTIONS ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK HOLDING COMPANIES Chicago Capital Directions, Inc., Mason, Michigan — to engage de novo in consumer financial counseling, investment or financial advisory activities, and tax planning and preparation through Monex Financial Services, Inc. Returned, April 2, 1993. COMPETITIVE FACTORS REPORTS Atlanta Island National Bank of Palm Beach, Palm Beach, Florida, proposed merger with Island National Trust Company — report on competitive factors. Submitted, March 30, 1993. FEDERAL RESERVE BANK OF BOSTON APPLICATIONS SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY Application Comment Period Ending Date NONE SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE Comment Period Ending Date Application NONE SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY Fleet Financial Group, Federal Register Not Yet Established Inc., Providence, Rhode Island - 4(c)(8) notification to transfer Fleet Factors Corporation, New York, New York from Fleet Bank of New York, Albany, New York, to Fleet Financial Group, Inc., Providence, Rhode Island SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER OR NEWSPAPER NOTICE Application NONE ♦Subject to CRA SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS ♦Rating Definitions: "0" - Outstanding; "S" - Satisfactory; - Needs to Improve; "SN" - Substantial Noncompliance. Institution Examination Date NONE Rating* F e d e r a l R e s e rv e Bank o f New Y o rk Comment Period Ending Date SECTION I Applications Subject to Newspaper ____________Notice Only___________ Chemung Canal Trust Company, Elmira, New York, to establish an offsite electronic facility at Elmira College Campus Center, Elmira Park Place, Elmira, New York.!/ 5/1/93 Chemical Bank, New York, New York, to establish an offsite electronic facility at 390 Park Avenue South, New York, New York.l/ 5/3/93 Banco Popular de Puerto Rico, Hato Rey, Puerto Rico, to purchase certain assets and assume certain liabilities of the U.S. and British Virgin Islands branches of Corestates Bank, N.A., Philadelphia, Pennsylvania.!/ 5/5/93 SECTION II Applications Subject to Both Newspaper and Federal Register Notice The Bank of New York Company, Inc., New York, New York, to acquire 100 percent of the voting shares of National Community Banks, Inc., West Paterson, New Jersey and to indirectly acquire all of the voting shares of its subsidiary bank, National Community Bank of New Jersey.1/ 5/6/93 2/ China Trust Holding Corp., New York, New York, China Trust Capital B.V., Amsterdam, the Netherlands, and China Trust Holdings, Curacao, Netherlands Antilles, to acquire 100 percent of the voting shares of Trans Bankcorp, Inc., Monterey Park, California.!/ 5/3/93 3/ Notice by Middletown Savings Bank Employee Stock Ownership Trust, Middletown, New York, to acquire up to 10.4 percent of the voting shares of MSB Bancorp, Inc., Middletown, New York. 4/15/93 4/ SECTION III Nonbanking Applications (Subject to Federal Register Notice Only) Chemical Banking Corporation, New York, New York, to engage to a limited extent, in underwriting and dealing in debt securities through its subsidiary, Chemical Securities, Inc., New York, New York. 4/29/93 Internationale Nederlanden Group N.V., Amsterdam, the Netherlands, to engage de novo through its subsidiary, Internationale Nederlanden (US) Securities Corporation, New York, New York in providing securities brokerage services, including full service brokerage services, and in providing financial advisory services and to engage de novo through its subsidiary, Nederlanden (US) Capital Corporation, New York, New York in making, acquiring and servicing loans. 5/3/93 SECTION IV Applications Not Involving ______ Public Comment______ None. SECTION V Availability of CRA Public Evaluations In connection with the assessment of each insured depository institution's CRA performance, a rating is assigned from the following group: Outstanding record of meeting community credit needs. An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Satisfactory record of meeting community credit needs. An institution in this group has a satisfactory record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Needs to improve record of meeting community credit needs. An institution in this group needs to improve its overall record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Substantial noncompliance in meeting community credit needs. An institution in this group has a substantially deficient record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate- income neighbor hoods, in a manner consistent with its resources and capabilities. Week E n d in g A p r i l 10. NAME OF BANK RATING 1993 EXAMINATION DATE None. 1/ 2/ 3/ 4/ Subject to provisions of Community Reinvestment Act. Later of dates specified in newspaper and Federal Register notices. Date specified in newspaper notice; a later date may be specified in the Federal Register notice. Date specified in Federal Register notice; a later date may be specified in the newspaper notice. N/A - Not Available FEDERAL RESERVE BANK OF PHILADELPHIA SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY Comment Period Ending Date None. SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE Founders Bank, Bryn Mawr, Pennsylvania, Notice filed on behalf of Harold L. Yoh, Jr., John P. Follman and Robin Ledwith (alsp known as James R. Ledwith) in his capacity as trustee of two trusts established for the benefit of members of the Yoh and Follman families (collectively, the "Notificants”) to own 18.58%, pursuant to the Change in Bank Control Act of 1978. Newspaper Comment Period Expires: Fed. Reg. Comment Period Expires: N/Avail. 4/26/93 SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY None. SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEWSPAPER NOTICE None. 1/ Subject to provisions of Community Reinvestment Act. * N/A - not yet available. FEDERAL RESERVE BANK OF PHILADELPHIA SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS The following institutions were examined for CRA. The 30-business day period the bank has to make the evaluation public has lapsed during the week ending April 9, 1993 Identification of Ratings In connection with the assessment of each insured depository performance, a rating is assigned from the following groups: institution's CRA Outstanding record of meeting community credit needs. An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Satisfactory record of meeting community credit needs. An institution in this group has a satisfactory record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities• Needs to improve record of meeting community credit needs. An institution in this group needs to improve its overall record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Substantial noncompliance in meeting community credit needs. An institution in this group has a substantially deficient record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Bank/Location None Examination Date CRA Rating Federal Reserve Bank of Cleveland Applications Bulletin For Week Ending April 10, 1993 SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY NONE SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE NONE SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY NONE SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEWSPAPER NOTICE NONE * * N F # - Subject to CRA Newspaper Comment Period Federal Register Comment Period Expected to end approximately 30 days from date of application's receipt. AVAILABILITY OF CRA PUBLIC EVALUATIONS (April 9, 1993) The following state member banks have been examined by the Federal Reserve Bank of Cleveland for compliance with The Community Reinvestment Act. A public evaluation document became available from the bank(s) listed below during the week ended April 9, 1993. If you are interested in obtaining a copy of an evaluation document, please contact the bank(s) directly. There are four descriptive ratings for CRA: OUTSTANDING: a bank in this group has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. SATISFACTORY: a bank in this group has a satisfactory record of ascertaining and helping to meet the credit needs of its entire delineated community, including lowand moderate-income neighborhoods, in a manner consistent with its resources and capabilities. NEEDS TO IMPROVE: a bank in this group needs to improve its overall record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities. SUBSTANTIAL NON COMPLIANCE: a bank in this group has a substantially deficient record of ascertaining and helping to meet the credit needs of its entire delineated community, including lowand moderate-income neighborhoods, in a manner consistent with its resources and capabilities. NONE F e d e r a l R e se rv e Bank o f Richm ond Section I - Applications Subject to Newspaper Notice Only Application Comment Period Ending Date First Union Corporation, Charlotte, North Carolina, to have its subsidiary, Dominion Bank of Washington, National Association, Washington, D. C., purchase certain assets and assume certain liabilities of the District of Columbia branches of Meritor Savings, F.A., Winter Haven, Florida.* 5-6-93 First Union Corporation, Charlotte, North Carolina, to have its subsidiary, Dominion Bank of Maryland, National Association, Rockville, Maryland, purchase certain assets and assume certain liabilities of the Silver Springs, Maryland, branch of Meritor Savings, F.A., Winter Haven, Florida.* 5-6-93 First Union Corporation, Charlotte, North North Carolina, to have its subsidiary, Dominion Bank, National Association, Roanoke, Virginia, purchase the assets and assume certain liabilities of the Virginia branches of Meritor Savings, F.A., Winter Haven, Florida.* 5-6-93 First Union Corporation, Charlotte, North North Carolina, to have its subsidiary, First Union National Bank of Florida, Jacksonville, Florida, merge with Meritor Savings, F.A., Winter Haven, Florida.* 5-6-93 First Virginia Bank, Falls Church, Virginia, to establish a branch at 1490 North Point Village Center, Reston, Virginia.* 5-10-93 Section II - Applications Subject to Both Newspaper and Federal Register Notice Application None. -'Application is subject to CRA requirements. Comment Period Ending Date F e d e r a l R e s e rv e Bank o f Richm ond Section III - Applications Subiect to Federal Register Notice Application Comment Period Ending Date None. Section IV - Application Not Subject to Federal Register Notice or Newspaper Notice None. -3F e d e r a l R e s e rv e Bank o f Richm ond Availability of CRA Public Evaluations Week ending April 9, 1993 Definition of Ratings Outstanding record of meeting community credit needs. An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Satisfactory record of meeting community credit needs. An institution in this group has a satisfactory record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate -income neighborhoods, in a manner consistent with its resources and capabilities. Needs to improve record of meeting community credit needs. An institution in this group needs to improve its overall record of ascer taining and helping to meet the credit needs of its entire delineated community, including low- and moderate -income neighborhoods, in a manner consistent with its resources and capabilities. Substantial noncompliance in meeting community credit needs. An institution in this group has a substantially deficient record of ascer taining and helping to meet the credit needs of its entire delineated community, including low- and moderate -income neighborhoods, in a manner consistent with its resources and capabilities. Examination Date None. Rating Federal Reserve Bank of Atlanta Applications Bulletin for Week Ending April 9. 1993 Section 1 - Applications Subject to Newspaper Notice Only Application Comment Period Ending Date SunTrust Banks, Inc. Atlanta, Georgia Along with its second tier bank holding company subsidiary, Sun Banks, Inc., Orlando, Florida, for their bank subsidiary, Sun Bank, N.A., to acquire the deposits of two branches of First Federal Savings & Loan Association of Osceola County, Kissimmee, Florida, pursuant to Section 5(d)(3) of the Federal Deposit Insurance Act, as amended by the Federal Deposit Insurance Corporation Act of 1991. 04-26-93* Section 2 - Applications Subject to Both Newspaper and Federal Register Notice Application Comment Period Ending Date AmSouth Bancorporation Birmingham, Alabama To merge with the Mickler Corporation, Clearwater, Florida, and thereby directly acquire its bank subsidiary, The First National Bank of Clearwater, Florida, pursuant to Section 3(a)(5) of the Bank Holding Company A c t . Not yet available* First State Bancshares of DeKalb County, Inc. Fort Payne, Alabama 1-BHC-formation, First State Bank of DeKalb County, Fort Payne, Alabama. Not yet available* Randolph Bancshares, Inc. Wadley, Alabama Change in control notice by Bobbie Saxon Lett to acquire 27 percent of the outstanding shares of common stock. Not yet available* ♦Subject to provisions of the Community Reinvestment Act. Federal Reserve Bank of Atlanta Applications Bulletin for Week Ending April 9. 1993 Section 2 - Applications Subject to Both Newspaper and Federal Register Notice Application Comment Period Ending Date P .C .B . Bancorp, Inc. Largo, Florida After-the-fact change in control notice by Georgia Edward Feaster to retain 13.71 percent of the outstanding shares of common stock. 04-29-93* Federal Register P.C.B. Bancorp, Inc. Largo, Florida After-the-fact change in control notice by John Victor Phillipoff to retain 11.81 percent of the outstanding shares of common stock. 04-29-93* Federal Register Trustmark Corporation Jackson, Mississippi To acquire UniSouth Banking Corporation, Columbus, Mississippi, pursuant to Section 3(a)(3) of the Bank Holding Company Act. Section 3 - Applications Subject Application to Federal Register Only Comment Period Ending Date Barnett Banks, Inc. Jacksonville, Florida To engage de novo in acting as agent for issuers in private placement of all types of securities, including providing related advisory services, and to buy and sell all types of securities on the order of investors as a "riskless principal", subject to the limitations previously set forth by the Board (c .f ., Bankers Trust New York Corporation (75 Fed. Res. Bull., 829 (1989))., pursuant to Section 22.5.25 (b) (15) of Regulation Y. 04-24-93* Newspaper 04-22-93 Federal Reserve Bank of Atlanta Applications Bulletin for Week Ending April 9. 1993 Section 3 - Applications Subject Application to Federal Register Only Comment Period Ending Date Citizens Bancorp Investment, Inc. Lafayette, Tennessee To engage de novo through Town and Country Finance Company, Lafayette, Tennessee, in making, acquiring, and servicing loans or other extensions of credit for its own account and for the account of others, and to engage in insurance agency and underwriting activities, pursuant to Section 225.25(b) (1) and 225.25(b)(8)(ii) of Regulation Y. 04-30-93 Section 4 - Applications Not Subject to Federal Register Notice or Newspaper Notice Application Dadeland Bank Miami, Florida Request for increase in bank premises. Federal Reserve Bank of Atlanta Applications Bulletin for Week Ending April 9. 1993 Section 10 - Availability of CRA Public Evaluations The CRA public evaluations of the insured depository institutions listed below became available during this week. Information about an institution's CRA evaluation may be obtained directly from the institution. In connection with the assessment of an institution's CRA performance, a rating is assigned from the following groups: Outstanding record of meeting community credit needs: An institution has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated community, including lowand moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Satisfactory record of meeting community credit needs: An institution has a satisfactory record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Needs to improve record of meeting community credit needs: An institution needs to improve its overall record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Substantial noncompliance in meeting community credit needs: An institution has a substantially deficient record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Examination Bank Union Bank and Trust Company Post Office Box 2191 Montgomery, Alabama 36197 (205)265-8201 Rating Satisfactory Date 12-28-92 Federal Reserve Bank of Chicago Section I - Applications Subject to Newspaper Notice Only Comment Period Ending Date Type Application Oakar Citizens National Bancorp, Inc. Darlington, Wisconsin Darlington, Wisconsin branch of Anchor Bank SSB Madison, Wisconsin* N - 4-8-93 Membership Community Bank of Elmhurst Elmhurst, Illinois (in organization) To become a member of the Federal Reserve System* N - 4-5-93 Membership Quad City Bank and Trust Company Bettendorf, Iowa (in organization) To become a member of the Federal Reserve System* N - 4-5-93 Branch Reg K-OT Bank Mees & Hope N.V. Rotterdam, The Netherlands Establish a Representative Office at 300 Crescent Court Dallas, Texas* N - ** Branch Reg K-OT Bank Mees & Hope N.V. Rotterdam, The Netherlands Establish an Agency office in New York, New York* N - ** Branch Isabella Bank and Trust Mount Pleasant, Michigan 532 N. McEwan Street Clare, Mi chigan* N - Oakar First Mutual Bancorp, M.H.C. Decatur, Illinois First Mutual Bank, S.B. Decatur, Illinois* N 4-9-93 ** Federal Reserve Bank of Chicago Section I - Applications Subject to Newspaper Notice Only (Continued) Comment Period Ending Date Type Application EFT First of America Bank-Central Lansing, Michigan Five Oaks Party Store 2546 East Jolly Road Lansing, Michigan* N - 4-22-93 Oakar Shoreline Financial Corporation Benton Harbor, Michigan Berrien Springs, Michigan Branch of Standard Federal Bank, FSB Troy, Michigan* N - 4-19-93 Oakar Shoreline Financial Corporation Benton Harbor, Michigan Edwardsburg, Michigan Branch of Standard Federal Bank, FSB Troy, Michigan* N - 4-19-93 Oakar Shoreline Financial Corporation Benton Harbor, Michigan Hartford, Michigan Branch of Standard Federal Bank, FSB Troy, Mi chi gan * N - 4-19-93 Oakar Shoreline Financial Corporation Benton Harbor, Michigan Three Oaks, Michigan Branch of Standard Federal Bank, FSB Troy, Michigan* N - 4-19-93 Branch Lapeer County Bank & Trust Co. Lapeer, Michigan 6002 N. Lapeer Road Nor th Bran ch, Mi chi gan * N - ** Federal Reserve Bank of Chicago Section II - Applications Subject to Both Newspape: Register Notice and Federal Comment Period Ending Date Type Applies tion CoC-HC Elcho Bancorporation, Inc. Altoona, Iowa Jo & Verle Burgason; Marguerite Sevde; Delilah Shaw & Charles L. Ryan as Trustee* FR - ** NP - ** Y-2 First Neighborhood Bancshares, Inc. Toledo, Illinois Newman Bancshares, Inc. Newman, Illinois First State Bank of Newman Newman, Illinois* FR - 3-25-93 N - 4-10-93 CoC-HC Cascade Bancorporation, Inc. Venice, Florida Delilah Shaw* FR - ** N - ** Y-l Quad City Holdings, Inc. Bettendorf, Iowa Quad City Bank and Trust Company Bettendorf, Iowa (in organization)* FR - 4-15-93 N - 3-28-93 Y-l GFH Corp. Elmhurst, Illinois Community Bank of Elmhurst Elmhurst, Illinois (in organization)* FR N - Y-2 Associated Banc-Corp Green Bay, Wisconsin Wausau Financial Corporation Wausau, Wisconsin Citizens Bank & Trust Wausau, Wisconsin* FR - 4-9-93 N - 4-15-93 CoC-HC Minowa Banshares, Inc. Decorah, Iowa Stephen J. Lyon, as Executor of the Estate of George Lyon FR - 4-12-93 N - 3-24-93 Y-! NJIC, Inc. Naperville, Illinois WestBank/Napervilie Naperville, Illinois WestBank/Will County Joliet, Illinois* FR - 4-19-93 N - 4-24-93 4-5-93 4-5-93 Federal Reserve Bank of Chicago Type Section II - Applications Subject to Both Newspaper and Federal Register Notice (Continued) Comment Period , Application Ending Date Y-l Huntley Acquisition Corp. Palatine, Illinois State Bank of Huntley Huntley, Illinois* FR - 4-26-93 N . ** Y-2 Suburban Bancorp, Inc. Palatine, Illinois Huntley Bancshares, Inc. Huntley, Illinois State Bank of Huntley Huntley, Illinois* FR - 4-26-93 N - ** Y-l Farmers & Traders Bancshares, Inc. Shabbona, Illinois Farmers and Traders State Bank Shaboona, Illinois* FR - 4-26-93 N - ** Y-l First Mutual Bancorp, M.H.C. Decatur, Illinois First Mutual Bank, S.B. Decatur, Illinois* FR - 4 r29-93 N - ** Y-l First Bancozporation, Inc. Sparta, Wisconsin First Bank of Sparta Sparta, Wisconsin* COC-HC ASB Bankcorp, Inc. Adrian, Mi chigan Fern Shierson and Douglas J. Shierson (acquire 6.5%--current ownership is 9.46%) Y-l FMSB Bancorp Neola, Iowa Farmers & Merchants State Bank Neola, Iowa* Y-l Peoples Financial Corporation Colfax, Illinois Peoples State Bank Colfax, Illinois* FR JV - 5-6-93 ** FR - 5-3-93 N - ** FR - ** N - ** FR - ** N - ** Federal Reserve Bank of Chicago Section III - Applications Subject to Federal Register Notice Only Comment Period Ending Date zym Application Y-4 Northern Trust Corporation Chicago, Illinois Northern Futures Corporation Chicago, Illinois--Execute and clear commodity futures contracts FR - 4-9-93 4 (c) (8) Comerica Incorporated Detroit, Michigan ComeriComp, Incorpora ted Detroit, Mi chigan FR - 4-30-93 Y-4 Guaranty Financial, M.H.C. Milwaukee, Wisconsin Guaranty Asset Protection Services, Inc. West Hills, California FR - 4-19-93 Y-4 Guaranty Financial, M.H.C. Milwaukee, Wisconsin Shelter Mortgage Corporation Milwaukee, Wisconsin FR - 4-19-93 Y-4 Guaranty Financial, M.H.C. Milwaukee, Wisconsin 6700 Corporation West Hills, California FR - 4-19-93 4 (C) (8) Rake Bancorporation Rake, Iowa Making and servicing of loans FR - 4-14-93 Y-4 Caisse Nationale de Credit Agricole Paris, France Credit Agricole Futures, Inc. New York, New York --Execute, clear, provide investment advisory services FR - 4(c) (8) LeMars Bancorporation, Inc. Le Mars, Iowa De novo in making and' servicing loans FR - 4-5-93 ** Federal Reserve Bank of Chicago Section III - Applications Subject to Federal Register Notice Only (Continued) Comment Period Ending Date Txm Application SMB-OT Comerica Bank Detroit, Michigan ET-92 Limited Dividend Housing Association Limited Partnership Detroit, Michigan FR - ** 4 (c) Comerica Incorporated Detroit, Michigan ET-92 Limited Dividend Housing Association Limited Partnership Detroit, Mi chigan FR - 4-6-93 4 (c) (8) Alliance Financial Corporation New Buffalo, Michigan Alliance Financial Services Corporation New Buffalo, Michigan - Securities brokerage activities FR - 4-26-93 4 (c) (8) Capital Directions, Inc. Mason, Mi chigan Monex Financial Services, Inc. Mason, Michigan - consumer financial counseling, investment or financial advice & tax planning & preparation FR - 4-26-93 Y-4 FBOP Corporation Oak Park, Illinois Fairfield Financial Corporation Oak Park, Illinois FR - ** 4(c) (8) Comerica Incorporated Detroit, Mi chigan Comer ica Community Development Corporation De troi t, Mi chi gan FR - 4-27-93 4 (C) Marquette National Corporation Chicago, Illinois Marquette Community Development Corporation Chicago, Illinois FR - 4-27-93 (8) (8) Federal Reserve Bank of Chicago Section III - Applications Subject to Federal Register Notice Only (Continued) Comment Period Ending Date Type Application 4 (c) (8) Clare Bancorporation, Inc. Platteville, Wisconsin Making or acquiring loans for the company's account FR - 4-29-93 4 (c) (8) Montfort Bancorporation, Inc. Platteville, Wisconsin Making or acquiring loans for the company's account FR - 4-29-93 Y-4 Iowa National Bankshares Corp. Waterloo, Iowa MidAmerica Financial Corporation Waterloo, Iowa FR - 3-12-93 N - 4-3-93 Y-4 Continental Bank Corporation Chicago, Illinois Repechage Partners Ltd. Chicago, Illinois FR - ** Y-4 FMSB Bancorp Neola, Iowa Hall Insurance Agency Neola, Iowa FR - ** Federal Reserve Bank of Chicago Section IV - Applications Not Subject to Federal Register or Newspaper Notice Type Application RoS Cascade Bancorporation, Inc. Venice, Florida to redeem 4,375.00 of common voting shares & 11,314.66 common nonvoting shares outstanding RoS Wabeno Bancorporation, Inc. Altoona, Iowa to redeem a portion of shares currently owned by Cascade Bancorporation, Inc. RoS Maxwell Bancorporation Maxwel1, Iowa to redeem the entire stock ownership from certain shareholders N FR * ** - Newspaper Federal Register Subject to Provisions of Community Reinvestment Act Not available at this time AVAILABILITY OF CRA PUBLIC EVALUATIONS The following state member banks have been examined by the Federal Reserve Bank of Chicago for compliance with the CRA. The 30-business day period the bank has to make the evaluation public has lapsed during the week ending April 09, 1993. If you are interested in obtaining a copy of the evaluation document, please contact the bank(s) directly. Identification of Ratings O-An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. S-An institution in this group has a satisfactory record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. NI-An institution in this group needs to improve its overall record of ascer taining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. SN-An institution in this group has a substantially deficient record of ascer taining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. BANK NAME/LOCATION EXAMINATION DATE RATINGS -Chemical Bank Bay Area 213 Center Avenue Bay City, Michigan 48708 (517) 895-8521 12/28/92 S -Community State Bank 108 South Main Avilla, Indiana 46710 (219) 897-3361 1/04/93 S -Bank of Reynolds Highway 24 West Reynolds, Indiana (219) 984-5471 1/04/93 47980 S Federal Reserve Bank of St. Louis FOR THE WEEK ENDING APRIL 9, 1993 SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE Application End of Comment Period None. SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE Application ^Section 3(a)(3) application by Trans Financial Bancorp, Inc., Bowling Green, Kentucky to acquire Trans Kentucky Bancorp, Pikeville, Kentucky End of Comment Period Newspaper: 5-5-93 SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE Application End of Comment Period Section 4(c)(8) notification by First National Security Company, DeQueen, Arkansas to engage de novo in making commercial loans 4-26-93 SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEWSPAPER NOTICE Application None.* *This appliction is subject to CRA. End of Comment Period FEDERAL RESERVE BANK OF ST. LOUIS St. Louis, Missouri AVAILABILITY OF CRA PUBLIC DISCLOSURES Identification o f Ratings: Outstanding record o f meeting community credit needs An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Satisfactory record o f meeting community credit needs An institution in this group has a satisfactory record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate- income neighborhoods, in a manner consistent with its resources and capabilities. Needs to im prove record o f meeting community credit needs An institution in this group needs to improve its overall record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Substantial noncom pliance in meeting community credit needs An institution in this group has a substantially deficient record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. FOR THE WEEK ENDING Name of Bank None Bank Address April 9, 1993 Examination Date Examination Rating FEDERAL RESERVE BANK OF MINNEAPOLIS Section I - Applications Subject to Newspaper Notice Only Comment Period Endinci Date Application Community Trust Company Sioux Falls, SD To become a member of the Federal Reserve System Not yet available Norwest Corporation, Mpls, MN and its subsidiary Norwest Colorado, Inc., Mpls, MN For their subsidiary bank Norwest Bank Denver, N.A., Denver, Co, to acquire certain assets and assume certain liabilities located at certain Colorado offices of First Nationwide Bank, fsb, San Francisco, CA Not yet available Section II - Applications Subject to Both Newspaper and Federal Register Notice Application Comment Period Ending Date 215 Holding Co., Mpls MN To acquire 100% of the voting shares of the Southwest Bancorporation, Inc., Mpls, MN* Not yet available 215 Holding Co., Mpls, MN To acquire 100% of the voting shares of the Southeast Bancorporation, Inc., Mpls, MN* Not yet available The Merchants Holding Company Winona, MN To acquire 100% of the voting shares of Houston Investments, Inc., Mpls, MN* Not yet available * Subject to CRA FEDERAL RESERVE BANK OF MINNEAPOLIS Section II - Applications Subject to Both Newspaper and Federal Register Notice Comment Period Ending Date Application Lee D . Cameron To increase his ownership interests from 24.92% to 26.00% of First National Agency Company of Deer River, Inc., Deer River, MN Not yet available Section III - Applications Subject to Federal Register Notice Only Application Comment Period Ending Date Gaylord Bancorporation, Ltd. Gaylord, MN To engage de novo in making and servicing loans, invest ment or financial advice, arranging commercial real estate equity financing, and securities brokerage. Not yet available Norwest Corporation Mpls, MN To engage in underwriting credit life and credit accident and health insurance in connection with exten sions of credit made by Applicant and its subsidiaries through the acquisition of 100% of the stock of Blue Spirit Insurance, Inc., Phoenix, AZ. Not yet available Norwest Corporation Mpls, MN To engage in general insurance agency activities through the acquisition of certain assets of Citicorp Agency Services, Inc., Phoenix, AZ. Not yet available Norwest Corporation Mpls, MN To engage in securities brokerage activities through the acquisition of certain assets of Citicorp In vestment Services, Inc. and Citicorp Agency Services, Inc., Phoenix, AZ. Not yet available Section IV - Applications Not Subject to Federal Register Notice or Newspaper Notice Application None. FEDERAL RESERVE BANK OF M INNEAPOLIS Section V - Availability of CRA Public Evaluations week ending April 9, 1993 ASSIGNMENT OF RATING Identification of Ratings In connection with the assessment of each insured depository institution's CRA performance, a rating is assigned from the following groups: OUTSTANDING RECORD OF MEETING COMMUNITY CREDIT NEEDS. An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated community, including lowand moderate-income neighborhoods, in a manner consistent with its resources and capabilities. SATISFACTORY RECORD OF MEETING COMMUNITY CREDIT NEEDS. An institution in this group has a satisfactory record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities. NEEDS TO IMPROVE RECORD OF MEETING COMMUNITY CREDIT NEEDS. An institution in this group needs to improve its overall record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS. An institution in this group has a substantially deficient record of ascertaining and helping to meet the credit needs of its entire delineated community, including low-and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. BANK (S ) EXAMINED DATE OF EXAMINATION CRA RATING Tri-County State Bank of Ortonville P. 0. Box 306 Ortonville, MN 56278 (612) 839-6123 January 4, 1993 Satisfactory The State Bank of Townsend P. 0. Box 488 Townsend, MT 59644 (406) 266-3176 January 5, 1993 Outstanding Federal Reserve Bank of Kansas City SECTIO N I - A PPL IC A T IO N S SUBJECT TO NEWSPAPER NO TICE ONLY APPLICATION COMMENT PERIOD ENDING DATE None. SECTION I I - APPLICATIO NS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE APPLICATION COMMENT PERIOD ENDING DATE Commerce Bancshares, Inc., and CBICentral Kansas, Inc., both of Kansas City, Missouri, for prior approval to acquire 100 percent of the voting shares of Midwest Bancorporation, Inc., Hays, Kansas.* April 19, 1993 CTC Bancorp, Inc., Fayette, Missouri, for prior approval to become a bank holding company through the acquisition of 100 percent of the voting shares of Commercial Trust Company of Fayette, Fayette, Missouri.* April 19, 1993 Fourth Financial Corporation, Wichita, Kansas, for prior approval to acquire 100 percent of the voting shares of The Farmers & Merchants State Bank, Derby, Kansas.* April 19, 1993 Paul M. Hefti, Non-Qualifying Trust, Scottsbluff, Nebraska, to increase its ownership of First State Bancshares, Scottsbluff, Nebraska, from 32.68 percent to 32.77 percent; and for Paul M. Hefti, II, Scottsbluff, Nebraska, and Kay Hefti Coletti, Laramie, Wyoming, to increase their voting control to 50.94 percent and 49.40 percent, respectively. April 20, 1993 Liberty Bancorp, Inc., Oklahoma City, Oklahoma, for prior approval to acquire 100 percent of the voting shares of First Oklahoma Bank & Trust C o ., Edmond, Oklahoma.* Not Available Federal Reserve Bank of Kansas City Citizens Bancshares of El Reno, Inc., El Reno, Oklahoma, for prior approval to become a bank holding company through the acquisition o f '90.9 percent of the voting shares of Citizens National Bank & Trust Co. of El Reno, El Reno, Oklahoma.* Not Available FEO Investments, Inc., Hoskins, Nebraska, for prior approval to acquire 100 percent of the voting shares of Elkhorn Valley Bank, Norfolk, Nebraska.* Not Available O r chard Valley Financial Corporation, Hotchkiss, Colorado, for prior approval to acquire up to 15 percent of the voting shares Megabank Financial Corporation, Englewood, C o l o r a d o .* Not Available Helen M. Rogers, Spencer, Oklahoma, for prior approval to increase her p r o p o r tionate ownership interests in Spencer Bancshares, Inc., Spencer, Oklahoma, from 23.9 percent to 35.7 percent. Not Available SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY A PPLICATION COMMENT PERIOD ENDING DATE None. SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEWSPAPER NOTICE A PPLICATION None. SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS Identification of Ratings In connection with the assessment of each institution's CRA performance, a rating is following groups: insured de p o s i t o r y assigned from the Federal Reserve Bank of Kansas City Outstanding record of meeting community credit needs An institution in this group has an outstanding record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and m o d e r a t e income neighborhoods, in a manner consistent with its resources and capabilities. Satisfactory record of meeting community credit needs An institution in this group has a satisfactory record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and m o d erateincome neighborhoods, in a manner consistent with its resources and capabilities. Needs to improve record of meeting community credit needs An institution in this group needs to improve its overall record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and mo d e r a t e income neighborhoods, in a manner consistent with its resources and capabilities. Substantial noncompliance in meeting community credit needs An institution in this group has a substantially deficient record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and mod e r a t e income neighborhoods, in a manner consistent with its resources and capabilities. Bank/Location Exam Date N o n e .* *Application is subject to CRA. CRA Public Date CRA Rating FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF APRIL 5, 1993 SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY APPLICATION NOTICE EXP None. SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE APPLICATION ** NOTICE EXP Change in Control Notice by Bobby Max Ham, Crosbyton, TX, to acquire an interest in Citizens Bancshares, Inc., Crosbyton, TX N/A Change in Control Notice by Paul Gerard heafy, Oklahoma City, OK, to acquire an interest in Parker County Bancshares, Inc., Weatherford, TX N/A ♦Section 3(a)(1) application by NETEX Bancorporation, Pittsburg, TX, to acquire First State Bank, Pittsburg, Tx N/A SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY APPLICATION NOTICE EXP None. SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEWSPAPER NOTICE APPLICATION None. * SUBJECT TO CRA. ** EXPIRATION DATE IS THE DATE SPECIFIED IN THE NEWSPAPER NOTICE ONLY N/A - NOT AVAILABLE AT THIS TIME. SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS FOR THE WEEK OF APRIL 5. 1993 Outstanding record of meeting community credit needs. An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Satisfactory record of meeting community credit needs. An institution in this group has a satisfactory record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Needs to Improve record of meeting community credit needs. An institution in this group need to improve its overall record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Substantial Noncompliance in meeting community credit needs. An institution in this group has a substantially deficient record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Bank Date of Examination CRA Rating FEDERAL RESERVE BANK OF SAN FRANCISCO Week ending 4/09/93 Section I - Applications Subject to Newspaper Notice Only ADDlication Comment Period Endina Date First Interstate Bank of California, Los Angeles, California, to establish a branch office at 13255 Black Mountain Road, Rancho Penasquitos, California. * Newspaper: 5/01/93 First Interstate Bank of California, Los Angeles, California, to establish a branch office at 8011 University Avenue, La Mesa, California. * Newspaper: 5/01/93 First Interstate Bank of California, Los Angeles, California, to establish a branch office at the northwest corner of Alameda Street and Compton Boulevard, Los Angeles, California. * Newspaper: 5/01/93 Section II - Applications Sub.iect to Both Newspaper and Federal Register Notice Application Comment Period Ending Date Columbia Banking System, Inc., Bellevue, Washington, to become a bank holding company by acquiring Columbia National Bancshares, Inc., and it subsidiary Columbia National Bank, both located in Longview, Washington. * Newspaper: 5/02/93 Fed. Reg.: 5/10/93 Section III - Applications Sub.iect to Federal Register Notice Only Application Comment Period Ending Date Columbia Banking System, Inc., Bellevue, Washington, to engage in certain nonbanking activities through the retention of its subsidiary, Columbia Savings Bank, A Federal Savings Bank, Bellevue, Washington. Fed. Reg.: 5/10/93 Section IV - Applications Not Subject to Federal Register Notice or Newspaper Notice None * Subject to CRA FEDERAL RESERVE BANK OF SAN FRANCISCO (cont’d.) Week ending 4/09/93 Section V - Availability of CRA Public Evaluations The CRA public evaluations of the institution(s) below became available during the week ending April 9, 1993. Information about a particular institution’s CRA evaluation may be obtained directly from the institution. Institution Location Examination Date Rating* None * Under the rating system an institution’s CRA performance is assigned one of the following four ratings: Outstanding record of meeting community credit needs: An institution has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Satisfactory record of meeting community credit needs: An institution has a satisfactory record of ascertaining and meeting the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Needs to improve record of meeting community credit needs: An institution needs to improve its overall record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- to moderateincome neighborhoods, in a manner consistent with its resources and capabilities. Substantial noncompliance in meeting community credit needs: An institution has a substantially deficient record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- to moderateincome neighborhoods, in a manner consistent with its resources and capabilities.
@FedFRASER