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Federal Reserve Release ?*AL H.2 Actions of the Board, Its Staff, and the Federal Reserve Banks; Applications and Reports Received No. 30 Week Ending July 24, 2010 Board of Governors of the Federal Reserve System, Washington, DC 20551 * H.2 Board Actions July 18, 2010 to July 24, 2010 Testimony and Statements International Cooperation and Financial Regulatory Modernization — statement by Governor Daniel K. Tarullo before a subcommittee of the Senate Committee on Banking, Housing, and Urban Affairs on developments in international regulatory reform and U.S. government priorities for regulatory cooperation. - Published, July 20, 2010 The State of U.S. Coins and Currency — statement by Louise L. Roseman, director, Division of Reserve Bank Operations and Payment Systems, before a subcommittee of the House Committee on Financial Services on Federal Reserve activities related to currency and coin. - Published, July 20, 2010 Bank Holding Companies Morgan Stanley, New York, New York — commenter's request for review of the Federal Reserve Bank of New York's approval of the application by Morgan Stanley to acquire Morgan Stanley Private Bank, National Association, Jersey City, New Jersey. - Denied, July 20, 2010 The Toronto-Dominion Bank, Toronto, Canada; TD US P&C Holdings ULC, Calgary; and TD Bank US Holding Company, Portland, Maine — to acquire The South Financial Group, Inc., Greenville, South Carolina, and its subsidiary bank, Carolina First Bank. - Approved, July 22, 2010 Monetary and Financial Policy Term Asset-Backed Securities Loan Facility — agreement with the Department of the Treasury regarding a reduction of credit protection provided for the TALF under the Troubled Asset Relief Program. - Announced, July 20, 2010 (A/C) = Addition or Correction Board - Page 1 of 2 H.2 Board Actions July 18, 2010 to July 24, 2010 Personnel Division of Banking Supervision and Regulation — appointment of Maryann Hunter as deputy director; Barbara Bouchard, Mike Foley, Jack Jennings, Arthur Lindo, Peter Purcell, William Spaniel, and Mark Van Der Weide as senior associate directors; Kevin Bertsch, Betsy Cross, and Nida Davis as associate directors; James Embersit as deputy associate director; Philip Aquilino, Kevin Clarke, Adrienne Haden, Anna L. Hewko, Michael Kraemer, and Richard Naylor as assistant directors; and Norah Barger as senior adviser as part of a division restructuring. - Announced, July 20, 2010 Reserve Bank Operations Reserve Bank Directors ~ designation of chairs and deputy chairs of the twelve Federal Reserve Banks for 2011. - Announced, July 19, 2010 Enforcement Bank VI, Salina, Kansas — written agreement with the Federal Reserve Bank of Kansas City and the State of Kansas Office of the State Bank Commissioner. - Announced, July 20, 2010 Cecil Bank, Elkton, Maryland - issuance of a consent order of assessment of a civil money penalty. - Announced, July 22, 2010 Pacific State Bank, Stockton, California — issuance of a prompt corrective action directive against the bank. - Announced, July 22, 2010 (A/C) = Addition or Correction Board - Page 2 of 2 H.2 Actions under delegated authority BS&R Banking Supervision and Regulation C&CA Consumer and Comminity Affairs FOMC Federal Open Market Committee July 18,2010 to July 24, 2010 RBOPS Reserve Bank Operations and Payment Systems IF International Finance OSDM Office of Staff Director for Management Bank Holding Companies Atlanta BancTenn Corp., Kingsport, Tennessee — to acquire shares of Paragon Commercial Corporation, Raleigh, North Carolina, and its subsidiary bank, Paragon Commercial Bank. - Withdrawn, July 22, 2010 Minneapolis Dairyland Bank Holding Corporation, La Crosse, Wisconsin — to engage de novo in lending activities. - Withdrawn, July 19, 2010 Chicago Eagle Financial Corp., Casey, Illinois — to become a bank holding company and to acquire Casey State Bank, Casey, and First State Bank, Biggsville. - Approved, July 23, 2010 Dallas First Texas BHC, Inc., Fort Worth, Texas — to engage de novo in lending and servicing activities through SWB Recovery, Inc., Fort Worth. - Approved, July 23, 2010 Chicago FNB BanShares, Inc., West Union, Iowa — to engage in extending credit and servicing loans. - Approved, July 22, 2010 (A/C) = Addition or Correction Delegated - 1 of 4 H.2 Actions under delegated authority July 18, 2010 to July 24, 2010 Bank Holding Companies Chicago Harbor Bancorp, Inc., Edenton, North Carolina — to become a bank holding company and to acquire West Town Savings Bank, Cicero, Illinois. - Withdrawn, July 21, 2010 Kansas City PBS Bancshares, Inc., Seneca, Missouri ~ to become a bank holding company and to acquire shares of People's Bank of Seneca, Seneca. - Approved, July 22, 2010 Kansas City Sturm Financial Group, Inc., Denver, Colorado ~ to engage in lending activities through Northern Lights, LLC, Denver. - Approved, July 23, 2010 Bank Mergers St. Louis Centennial Bank, Conway, Arkansas — to purchase the assets and assume the deposit liabilities of Sterling Bank, Lantana, Florida, and to retain the acquired facilities as branches. - Withdrawn, July 20, 2010 St. Louis Centennial Bank, Conway, Arkansas ~ to purchase the assets and assume the deposit liabilities of MetroBank of Dade County, Miami, Florida, and Tumberry Bank, Aventura, and to retain the acquired facilities as branches (three applications). - Withdrawn, July 20, 2010 (A/C) = Addition or Correction Delegated - 2 of 4 H.2 Actions under delegated authority July 18,2010 to July 24,2010 Bank Mergers St. Louis Centennial Bank, Conway, Arkansas — to purchase the assets and assume the deposit liabilities of Olde Cypress Community Bank, Clewiston, Florida, and to retain the acquired facilities as branches. - Withdrawn, July 20, 2010 Change in Bank Control Dallas City National Bancshares, Inc., Colorado City, Texas — to retain control of City National Bancshares and its subsidiary bank, The City National Bank of Colorado City, Colorado City. - Permitted, July 22, 2010 Chicago Herky Hawk Financial Corp., Monticello, Iowa — change in bank control of Herky Hawk and its subsidiary banks, Citizens State Bank, Monticello, and New Vienna Savings Bank, New Vienna. - Permitted, July 23,2010 Richmond Union First Market Bankshares Corporation, Richmond, Virginia — change in bank control of Union and its subsidiary banks, The Rappahannock National Bank, Washington; Northern Neck State Bank, Warsaw; and Union First Market Bank, Richmond. - Permitted, July 23, 2010 (A/C) = Addition or Correction Delegated - 3 of 4 H.2 Actions under delegated authority July 18, 2010 to July 24,2010 Extensions of Time Chicago Minier Financial, Inc. Employee Stock Ownership Plan w/401(k) Provisions, Minier, Illinois - extension to October 22, 2010, to increase its ownership of Minier Financial, Inc., Minier, and thereby increase its indirect ownership of First Farmers State Bank. - Granted, July 21, 2010 International Operations New York Popular, Inc., San Juan, Puerto Rico, and Banco Popular de Puerto Rico - to transfer certain investments to Popular's subsidiary, EVERTEC, Inc., San Juan. - Withdrawn, June 30, 2010 (A/C) (A/C) = Addition or Correction Delegated - 4 of 4 District: 1 Federal Reserve Bank of Boston Filings received during the week ending July 24, 2010 Filer Filing Type NONE * Subject to the provisions of the Community Reinvestment Act Filing Proposal End of Comment Period District: 1 Federal Reserve Bank of Boston Availability of CRA P u b l i c E v a l u a t i o n s 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: 0 = 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. CRA RSSD Exam Date Institution / Location ID NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Public Date CRA Rating Exam Method District: 2 Federal Reserve Bank of New York Filings received during the week ending July 24, 2010 Filer BANK OF MILLBROOK CHINA INVESTMENT CORPORATION Filing Type * 18C * 3A3 * Subject to the provisions of the Community Reinvestment Act Filing Proposal End of Comment Period Bank of Millbrook, Millbrook, New York, Newspaper: Not available requests approval to merge with The Stissing National Bank of Pine Plains, Pine Plains, New York, pursuant to Section 18(c) of the Federal Deposit Insurance Act. Federal Register: Not applicable China Investment Corporation, Beijing, China, Newspaper: Not available to acquire more than 5% of the voting shares of Morgan Stanley, New York, New York, and thereby indirectly acquire voting shares of Morgan Stanley Capital Management LLC, New York, New York, Morgan Stanley Domestic Holdings, Inc., New York, New York, Morgan Stanley Bank, National Association, Salt Lake City, Utah, Morgan Stanley Private Bank, National Association, Purchase, New York, and Morgan Stanley Trust National Association, Wilmington, Delaware, pursuant to Section 3(a) (3) of the BHC Act. Federal Register: Not available District: 2 Federal Reserve Bank of New York Availability of CRA P u b l i c E v a l u a t i o n s 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: 0 = 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. CRA RSSD Exam Date Institution / Location ID NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Public Date CRA Rating Exam Method District: 3 Federal Reserve Bank of Philadelphia Filings received during the week ending July 24, 2010 Filer PATRIOT FINANCIAL PARTNERS LP Filing Type CIC * Subject to the provisions of the Community Reinvestment Act Filing Proposal Patriot Financial Partners, GP, L.P., Patriot Financial Partners, L.P., Patriot Financial Partners Parallel, L.P., Patriot Financial Partners, GP, LLC, Patriot Financial Managers, L.P., and Messrs. Ira M. Lubert, W. Kirk Wycoff and James J. Lynch, all of Philadelphia, Pennsylvania, to purchase up to 19.2 percent of Palmetto Bancshares, Inc., Greenville, SC. End of Comment Period Newspaper: F e d e r a l Register ; Not available 07/20/2010 District: 3 Federal Reserve Bank of Philadelphia Availability of CRA P u b l i c E v a l u a t i o n s 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.5.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: 0 = 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. CRA RSSD Institution / Location ID 833271 CONESTOGABK, CHESTER SPRINGS, PENNSYLVANIA CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Exam Date Public Date 01/19/2010 07/14/2010 CRA Rating Exam Method O Int Sm Bank District: 4 Federal Reserve Bank of Cleveland Filings received during the week ending July 24, 2010 Filer FIFTH THIRD BANK FIFTH THIRD BANK Filing Type * Branch * Branch * Subject to the provisions of the Community Reinvestment Act Filing Proposal End of Comment Period Application by Fifth Third Bank, Cincinnati, OH to establish a branch at 825 West Market Street, Troy, OH. Newspaper: 07/17/2010 Federal Register: Not applicable Application by Fifth Third Bank, Cincinnati, OH to establish a branch at 31125 Beck Road, Novi, MI. Newspaper: 07/17/2010 Federal Register: Not applicable District: 4 Federal Reserve Bank of Cleveland Availability of CRA P u b l i c E v a l u a t i o n s 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: 0 = 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. CRA RSSD Exam Date Institution / Location ID NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Public Date CRA Rating Exam Method District: 5 Federal Reserve Bank of Richmond Filings received during the week ending July 24, 2010 Filer UNITED FINANCIAL BANKING Filing Type CIC COMPANIES, INC. * Subject to the provisions of the Community Reinvestment Act Filing Proposal End of Comment Period Jeffrey T. Valcourt, JNV Limited Partnership, II, Newspaper: Not available and JNV Limited Partnership, HI, all of Arlington, Vrginia, acting in concert to control 33.77% of the voting shares of United Financial Banking Companies, Inc., Vienna, Virginia. Federal Register: Not available District: 5 Federal Reserve Bank of Richmond Availability of CRA P u b l i c E v a l u a t i o n s 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: 0 = 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. CRA RSSD Exam Date Institution / Location ID NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Public Date CRA Rating Exam Method District: 6 Federal Reserve Bank of Atlanta Filings received during the week ending July 24, 2010 Filer Filing Type FIRST CITIZENS BANKSHARES, INC. CIC First Peoples Bancorp, Inc. * 3A1 NORTH AMERICAN FINANCIAL HOLDINGS, INC. * 3A3 4c8 * Subject to the provisions of the Community Reinvestment Act Filing Proposal End of Comment Period Prior change in control notice filed by Mark Van Smith, Savannah, Georgia, to acquire up to an additional 20.75 percent of the outstanding shares of First Citizens Bankshares, Inc., and its subsidiary, First Citizens Bank, both of Glennville, Georgia. Total pro forma ownership will not exceed 58.98 Newspaper: Not available Federal Register: 08/09/2010 First Peoples Bancorp, Inc., to become a bank Newspaper: Not available holding company by acquiring 100 percent of the outstanding shares of First Peoples Bank of Tennessee, both of Jefferson City, Tennessee. Federal Register: Not available North American Financial Holdings, Inc., Charlotte, North Carolina (NAFH), to acquire up to 100 percent of the outstanding voting shares of TIB Financial Corp., and its subsidiary, TIB Bank, both of Naples, Florida. In addition, NAFH proposes to indirectly acquire 100 percent of the voting shares of Naples Capital Advisors, Inc., Naples, Florida, and thereby engage in investment and financial advisory activities. Newspaper: Not available Federal Register: 08/20/2010 District: 6 Federal Reserve Bank of Atlanta Availability of CRA P u b l i c E v a l u a t i o n s 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: 0 = 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. CRA RSSD Exam Date Institution / Location ID NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Public Date CRA Rating Exam Method District: 7 Federal Reserve Bank of Chicago Filings received during the week ending July 24,2010 End of Comment Period Filer Filing Type Filing Proposal ALLY FINANCIAL INC. Investment Reg K - Ally Financial, Inc., Detroit, Michigan, to make an additional investment in ResMor Trust Company, Toronto, Canada. Newspaper: Not applicable Federal Register: Not applicable C-B-G, Inc., West Liberty, Iowa, to acquire an additional $5 million (only $200,000 from C-B-G, Inc. and the remaining from executive officers, directors, and shareholders which are considered to be acting in concert) of common stock, or up to 50.01 percent, in Washington Bancorp, Washington, Iowa, and thereby increase it's indirect interest in Washington Bancorp's subsidiary, Federation Bank, Washington, Iowa. Newspaper: Federal Register: Not available 08/16/2010 C-B-G, INC. * 3A3 * Subject to the provisions of the Community Reinvestment Act District: 7 Federal Reserve Bank of Chicago Availability of CRA P u b l i c E v a l u a t i o n s 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: 0 = 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. CRA RSSD Institution / Location ID 614340 CSB BK, CAPAC, MICHIGAN CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Exam Date Public Date 03/15/2010 07/05/2010 CRA Rating Exam Method S Small Bank District: 8 Federal Reserve Bank of St. Louis Filings received during the week ending July 24, 2010 Filer M & F FINANCIAL Filing Type 4c8 CORPORATION * Subject to the provisions of the Community Reinvestment Act Filing Proposal End of Comment Period M & F Financial Corporation, Dumas, Arkansas, Newspaper: Not applicable to engage in lending activities. Federal Register: Not applicable District: 8 Federal Reserve Bank of St. Louis Availability of CRA P u b l i c E v a l u a t i o n s 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: 0 = 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. CRA RSSD Exam Date Institution / Location ID NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Public Date CRA Rating Exam Method District: 9 Federal Reserve Bank of Minneapolis Filings received during the week ending July 24, 2010 Filer Filing Type NONE * Subject to the provisions of the Community Reinvestment Act Filing Proposal End of Comment Period District: 9 Federal Reserve Bank of Minneapolis Availability of CRA P u b l i c E v a l u a t i o n s 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: 0 = 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. RSSD ID CRA Institution / Location 642857 FIRST CMNTY BK, GLASGOW, MONTANA CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Exam Date Public Date 02/01/2010 07/16/2010 CRA Rating Exam Method S Small Bank District: 10 Federal Reserve Bank of Kansas City Filings received during the week ending July 24, 2010 Filer BANCFIRST CORPORATION CARROLL COUNTY BANCSHARES, INC. MANHATTAN BANKING CORPORATION Filing Type * 3A5 4c8 = 3A3 * Subject to the provisions of the Community Reinvestment Act Filing Proposal End of Comment Period BancFirst Corporation, Oklahoma City, Newspaper: Not available Oklahoma, to acquire 100 percent of the voting shares of Union National Bancshares, Inc., parent of Union Bank of Chandler, both in Chandler, Oklahoma. Federal Register: Not available Carroll County Bancshares, Inc, Carrollton, Newspaper: Not applicable Missouri, to acquire 20 percent of Adams Daily Bank, Blue Springs, Missouri, and thereby engage in the operation of a savings association. Federal Register: 08/12/2010 Manhattan Banking Corporation, Manhattan, Kansas, to acquire 4.05 percent, for a total of 9.9 percent, of the voting shares of Sonoran Bank, N.A., Phoenix, Arizona. Newspaper: 07/26/2010 Federal Register: 08/09/2010 District: 10 Federal Reserve Bank of Kansas City Availability of CRA P u b l i c E v a l u a t i o n s 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: 0 = 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. CRA RSSD ID Institution / Location 912550 LUSK ST BK, LUSK, WYOMING CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Exam Date Public Date 04/19/2010 07/19/2010 CRA Rating Exam Method S Small Bank District: 11 Federal Reserve Bank of Dallas Filings received during the week ending July 24, 2010 Filer AUSTIN BANCORP, INC. COMERICA BANK Filing Type * 3A5 * Branch FIRST SAN BENITO BANCSHARES CORPORATION CIC INDUSTRY BANCSHARES, INC. * 3A3 * Subject to the provisions of the Community Reinvestment Act Filing Proposal End of Comment Period Austin Bancorp, Inc., Jacksonville, Texas; JSA Newspaper: Not available Family Limited Partnership, Jacksonville, Texas; Jane Austin Chapman Limited Partnership, L.P., Frankston, Texas; and TEB, Inc., Shreveport, Louisiana, to acquire Frankston Bancorp, Inc., Frankston, Texas, and indirectly acquire FDB, Inc., Dover, Delaware, and First State Bank, both of Frankston, Texas. Federal Register: 08/23/2010 Comerica Bank, Dallas, Texas to establish a Newspaper: Not available mobile branch to stop 23500 Cristo Rey Drive, Cupertino, Santa Clara County, California 95014. Federal Register: Not applicable Cecil R. Simmons, San Benito, Texas, individually; Cecil R. Simmons, San Benito, Texas, Leonard P. Simmons, San Benito, Texas, Anita Simmons Bos well, Harlingen, Texas, and Michael Scott, Raymondville, Texas, (the "Director Group"); Cecil R. Simmons and Juana Simmons, San Benito, Texas, Anita Simmons Boswell, Harlingen, Texas, Sarah Simmons Hays, Evergreen, Colorado, and Dolores M. Simmons, San Benito, Texas, (the "Cecil Simmons Family Group"); and Leonard P. Simmons and Mary Beth Simmons, San Benito, Texas, Delores M. Simmons, San Benito, Texas, Ricardo Leal, Harlingen, Texas, Audrey Simmons Hooks, Austin, Texas, Samuel Simmons, Harlingen, Texas, and Ernest Nash, III, Harlingen, Texas, (the "Leonard Simmons Family Group")(collectively the "Notiflcants"); to acquire 25 percent or more of the shares and thereby control of First San Benito Bancshares Corporation, San Benito, Texas, and indirectly acquire First Community Bank, National Association, San Benito, Texas. Newspaper: Not available Federal Register: Not available Industry Bancshares, Inc., Industry Texas, to Newspaper: 08/09/2010 acquire 100 percent of The First National Bank of Shiner, Shiner, Texas. Federal Register: 08/06/2010 District: 11 Federal Reserve Bank of Dallas Availability of CRA P u b l i c E v a l u a t i o n s 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: 0 = 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. CRA RSSD Exam Date Institution / Location ID NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Public Date CRA Rating Exam Method District: 12 Federal Reserve Bank of San Francisco Filings received during the week ending July 24,2010 Filer ANCHOR BANCORP, INC. Filing Type * 3A1 COMMUNITY BANCSHARES, INC. * 3A3 ONE MAIN STREET, LLC * 3A1 SKBHC HOLDINGS, LLC * 3A1 * Subject to the provisions of the Community Reinvestment Act Filing Proposal Anchor Bancorp, Inc., Lacey, Washington, to become a bank holding company by acquiring 100 percent of Anchor Mutual Savings Bank, Aberdeen, Washington, upon conversion from a mutual savings bank to a stock savings bank. Community Bancshares, Inc., Joseph, Oregon, to acquire at least 100 percent of BEO Bancorp and thereby its subsidiary bank, Bank of Eastern Oregon, both of Heppner, Oregon. End of Comment Period Newspaper: F e d e r a l Register: Newspaper: Not available 04/15/2010 F e d e r a l Register: Not available 07/19/2010 One Main Street, LLC, and One Main Street Management, LLC, both of New York, New York, to become bank holding companies by acquiring 100 percent of Liberty Bank, Inc., Salt Lake City, Utah. Newspaper. Federal Register: Not available 04/08/2010 SKBHC Holdings, LLC, Corona del Mar, California, to become a bank holding company by acquiring 100 percent of Starbuck Bancshares, Inc. and thereby indirectly the First National Bank of Starbuck, both of Starbuck, Minnesota. Newspaper Federal Register: Not available 04/27/2010 District: 12 Federal Reserve Bank of San Francisco Availability of CRA P u b l i c E v a l u a t i o n s 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: 0 = Outstanding S = Satisfactory NI = Needs to improve 5N = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. CRA RSSD ID Exam Date Institution / Location NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Public Date CRA Rating Exam Method