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Federal Reserve Release H.2 Actions of the Board, Its Staff, and the Federal Reserve Banks; Applications and Reports Received No. 13 Week Ending March 27, 2010 Board of Governors of the Federal Reserve System, Washington, DC 20551 H.2 Board Actions March 21,2010 to March 27,2010 Testimony and Statements Credit Scoring — statement by Sandra F. Braunstein, director, Division of Consumer and Community Affairs, before the House Committee on Financial Services on the Federal Reserve's role in ensuring that lenders use credit scoring systems appropriately to evaluate consumers' credit risk. - Published, March 24,2010 Federal Reserve's Exit Strategy — statement by Chairman Bemanke before the House Committee on Financial Services on the Federal Reserve's strategy for exiting from the extraordinary lending and monetary policies implemented to combat the financial crisis and support economic activity. - Published, March 25,2010 Bank Holding Companies First Niagara Financial Group, Inc., Buffalo, New York — to (1) become a bank holding company and acquire Harleysville National Corporation, Harleysville, Pennsylvania, and indirectly acquire Harleysville National Bank; (2) operate First Niagara Bank, Buffalo, New York, as a subsidiary savings association until it becomes a subsidiary bank upon its conversion to a national bank; and (3) hold First Niagara Commercial Bank, Lockport, as a subsidiary of First Niagara Bank until First Niagara converts to a national bank and First Niagara Commercial Bank is merged into First Niagara Bank, N.A. - Approved, March 25,2010 (A/C) = Addition or Correction Board - Page I of 3 H.2 Board Actions March 21,2010 to March 27,2010 Forms Forms — initial Board review to extend without revision the following reports: (1) Survey to Obtain Information on the Relevant Market in Individual Merger Cases (FR 2060), (2) Request for Extension of Time to Dispose of Assets Acquired in Satisfaction of Debts Previously Contracted (FR 4006), (3) Stock Redemption Notification (FR 4008), (4) Notice Claiming Status as an Exempt Transfer Agent (FR 4013), (5) Investment in Bank Premises Notification (FR 4014), and (6) six information collections related to the Gramm-Leach-Bliley Act (FR 4010, FR 4011, FR 4012, FR 4017, FR 4019, FR 4023); and to extend with revision the (1) Report of Terms of Credit Card Plans (FR 2572), (2) Report of Terms of Credit Card Plans Supplemental Survey (FR 2572S), and (3) Report of Selected Balance Sheet Items for Discount Window Borrowers (FR 2046). - Proposed, March 25,2010 Personnel Division of International Finance — appointment of Michael Leahy as senior associate director, Trevor Reeve as associate director, Christopher Erceg as deputy associate director, David Bowman and Charles Thomas as assistant directors, and Mark Carey and John Rogers as senior advisers. - Announced, March 25,2010 Regulations and Policies Regulation E (Electronic Fund Transfers) —finalrules to restrict the fees and expiration dates that may apply to gift cards. - Announced, March 23,2010 Enforcement Belvedere Capital Partners II LLC, San Francisco, California, Belvedere Capital Fund II LP, and Socal Bancorporation — written agreement with the Federal Reserve Bank of San Francisco. - Announced, March 22,2010 (A/C) = Addition or Correction Board - Page 2 of 3 H.2 Board Actions March 21,2010 to March 27,2010 Enforcement Coconut Grove Bank, Miami, Floria — written agreement with the Federal Reserve Bank of Atlanta and the State of Florida Office of Financial Regulation. - Announced, March 25,2010 Royal Bancshares of Pennsylvania, Inc., Narberth, Pennsylvania — written agreement with the Federal Reserve Bank of Philadelphia. - Announced, March 25,2010 United Security Bancshares, Inc., Fresno, California, and United Security Bank — written agreement with the Federal Reserve Bank of San Francisco. - Announced, March 25,2010 (A/C) = Addition or Correction Board - Page 3 of 3 H.2 Actions under delegated authority BS&R Banking Supervision and Regulation C&CA Consumer and Comminity Affairs FOMC Federal Open Market Committee March 21,2010 to March 27,2010 RBOPS Reserve Bank Operations and Payment Systems IF International Finance OSDM Office of Staff Director for Management Bank Holding Companies Philadelphia The Bancorp, Inc., Wilmington, Delaware — to acquire American Home Bank, Chicago, Illinois. - Withdrawn, March 23,2010 Dallas Bank4Texas Holdings, Inc., Tomball, Texas — to become a bank holding company and to acquire Northern Bancshares, Inc., Chillicothe, and indirectly acquire The First National Bank of Chillicothe. - Withdrawn, March 25,2010 Chicago Chemical Financial Corporation, Midland, Michigan — to acquire O.A.K. Financial Corporation, Byron Center, and thereby acquire Byron Bank, and for Chemical's subsidiary, Chemical Bank, Midland, to merge with Byron Bank and thereby establish 14 branches. - Approved, March 26,2010 Chicago Northwest Financial Corp., Arnolds Park, Iowa — to engage de novo in investment advisory activities through Northwest Wealth Management, LLC, Arnolds Park. - Withdrawn, March 24,2010 (A/C) = Addition or Correction Delegated - 1 of 3 H.2 Actions under delegated authority March 21,2010 to March 27,2010 Bank Mergers St. Louis Centennial Bank, Conway, Arkansas ~ to purchase the assets and assume the deposit liabilities of Key West Bank, Key West, Florida, and to retain the acquired facility as a branch. - Approved, March 26,2010 Bank Premises Richmond Benchmark Community Bank, Kenbridge, Virginia — to increase its investment in bank premises. - Approved, March 24,2010 Change in Bank Control Kansas City Citizens Bancshares, Inc., Edmond, Oklahoma — to retain control of Citizens and its subsidiary bank, Citizens Bank of Edmond, Edmond. - Permitted, March 26, 2010 Chicago Clarkston Financial Corporation, Waterford, Michigan — change in bank control of Clarkston and its subsidiary bank, Clarkston State Bank, Clarkston (two notices). - Permitted, March 23,2010 St. Louis FSBO Holdings, Inc., Olmsted, Illinois — to retain control of FSBO and its subsidiary bank, First State Bank of Olmsted, Olmsted. - Permitted, March 26,2010 (A/C) = Addition or Correction Delegated - 2 of 3 H.2 Actions under delegated authority March 21,2010 to March 27,2010 Change in Bank Control Atlanta Hometown Community Bancshares, Inc., Braselton, Georgia — change in bank control of Hometown and its subsidary bank, Hometown Community Bank, Braselton. - Permitted, March 23,2010 Atlanta Vernon Bancshares, Inc., Leesville, Louisiana — change in bank control of Vernon and its subsidiary bank, Vernon Bank, Leesville. - Permitted, March 26,2010 (A/C) = Addition or Correction Delegated- 3 of 3 District: 1 Federal Reserve Bank of Boston Filings received during the week ending March 27,2010 Filer Filing Type NONE Subject to the provisions of the Community Reinvestment Act Digitized for* FRASER Filing Proposal End of Comment Period 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: 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 Institution / Location Exam Date NONE CRA Examinations scheduled for Quarter of Institution NONE to the provisions of the Community Reinvestment Act Digitized for* Subject FRASER Location CRA Public Date CRA Rating Exam Method District: 2 Federal Reserve Bank of New York Filings received during the week ending March 27,2010 Filer Filing Type Filing Proposal End of Comment Period FORTIS BANK NEDERLAND NV FBSEA Fortis Bank (Nederland) N.V., Amsterdam, Netherlands, to establish a representative office in New York, New York, pursuant to Section 10(a) of the International Banking Act of 1978, as amended, and Section 211.24(a)(1) of Regulation K. Newspaper: Federal Register: Not available Not applicable MORGAN STANLEY * 3A3 Morgan Stanley, New York, New York, to acquire 100 percent of Morgan Stanley Private Bank, N.A., Jersey City, New Jersey, pursuant to Section 3(a)(3) of the Bank Holding Company Act and Section 225.15 of Regulation Y, that will be created from converting Morgan Stanley Trust into a national bank and merging it with Morgan Stanley Bank, NA; and which will relocate to Purchase, New York. Newspaper: Federal Register Not available 04/26/2010 NATIONAL AGRICULTURAL COOPERATIVE FEDERATION, THE FBSEA National Agricultural Cooperative Federation, Seoul, Korea, to establish a representative office in New York, New York. Newspaper: Federal Register: 04/07/2010 Not applicable * 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: 0 = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance Thefollowingstate member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution / Location Exam Date NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location CRA Public Date CRA Rating Exam Method District: 3 Federal Reserve Bank of Philadelphia Filings received during the week ending March 27,2010 Filer TOWER BANCORP INC. Filing Type * 3A5 * Subject to the provisions of the Community Reinvestment Act Filing Proposal Tower Bancorp, Inc., Harrisburg, PA, to acquire First Chester County Corporation, West Chester, PA. End of Comment Period Newspaper: Federal Register . Not available 04/09/2010 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: 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 Exam Date Institution / Location NONE CRA Examinations scheduled for Quarter of Institution NONE to the provisions of the Community Reinvestment Act Digitized for* Subject FRASER Location CRA Public Date CRA Rating Exam Method District: 4 Federal Reserve Bank of Cleveland Filings received during the week ending March 27,2010 Filer JANE KINCAID LLC Filing Type *3A1 * 4c8 JOAN KINCAID LLC *3A1 *4c8 * Subject to the provisions of the Community Reinvestment Act Filing Proposal Application by Jane Kincaid LLC, Lexington, KY to become a bank holding company by the acquisition of 27.9% of the voting shares of Central Bancshares, Inc., Lexington, KY pursuant to Sections 3(a)(1) and 4(c)(8) of the Bank Holding Company Act. Application by Joan Kincaid LLC, Lexington, KY to become a bank holding company by the acquisition of 29.3% of the voting shares of Central Bancshares, Inc., Lexington, KY pursuant to Sections 3(a)(1) and 4(c)(8) of the Bank Holding Company Act. End of Comment Period Newspaper: 04/02/2010 Federal Register: 04/01/2010 Newspaper: 04/02/2010 Federal Register: 04/01/2010 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. RSSD ID Exam Date Institution / Location NONE CRA Examinations scheduled for Quarter of Institution NONE to the provisions of the Community Reinvestment Act Digitized for* Subject FRASER Location CRA Public Date CRA Rating Exam Method District: 5 Federal Reserve Bank of Richmond Filings received during the week ending March 27,2010 Filer Filing Type NONE to the provisions of the Community Reinvestment Act Digitized for* Subject FRASER Filing Proposal End of Comment Period 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: 0 = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance Thefollowingstate member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution / Location Exam Date NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location CRA Public Date CRA Rating Exam Method District: 6 Federal Reserve Bank of Atlanta Filings received during the week ending March 27,2010 Filer Filing Type BANCO DO ESTADO DO RIO GRANDE DO SUL S.A. FBSEA INVESTAR HOLDING COMPANY * 3A1 NBG BANCORP, INC. PALM BANCORP, INC. SMARTFINANCLAL, INC. CIC CIC * 3A1 * Subject to the provisions of the Community Reinvestment Act Filing Proposal End of Comment Period Banco do Estado do Rio Grande do Sul, S.A., Rio Grande do Su, Brazil, to establish an international branch office in Miami, Florida. Newspaper: 04/11/2010 Federal Register: Not applicable Investar Holding Corporation, to become a bank holding company by acquiring 100 percent of the outstanding shares of Investar Bank, both of Baton Rouge, Louisiana. Newspaper: 04/23/2010 Federal Register: 04/16/2010 Prior change in control notice filed by Robert E. Burton, Athens, Georgia, to acquire an additional 2.08 percent of the outstanding shares of NBG Bancorp, Inc., and its subsidiary, National Bank of Georgia, both of Athens, Georgia. Total pro forma ownership will equal 11.45 percent Newspaper: 04/01/2010 Federal Register: 04/07/2010 Prior change in control notice filed by Marty E. Adams, Salineville, Ohio; Kevin T. Thompson, Saint Augustine, Florida; and John S. Loeber, Travelers Rest, South Carolina; to acquire control of Palm Bancorp, Inc., and its subsidiary bank, The Palm Bank, both of Tampa, Florida. Newspaper: Not available Federal Register 02/09/2010 SmartFinancial, Inc., to become a bank holding company by acquiring 100 percent of the outstanding shares of SmartBank, both of Pigeon Forge, Tennessee. Newspaper: 04/22/2010 Federal Register 04/23/2010 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: 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 Institution / Location Exam Date NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location CRA Public Date CRA Rating Exam Method District: 7 Federal Reserve Bank of Chicago Filings received during the week ending March 27,2010 Filer AMES COMMUNITY BANK SOUTHPORT FINANCIAL CORPORATION Filing Type Filing Proposal End of Comment Period * 18C Ames Community Bank, Ames, Iowa, to merge Newspaper: Not available •Branch with VisionBank of Iowa, Grimes, Iowa. As a result of the merger, Ames Community Bank, will establish a branch office at 925 Gateway Drive, Grimes, Iowa. Federal Register Not applicable CIC Notice by Gaetano M. Cecchini, Canton, Ohio, as trustee of the Gaetano Mattioli Cecchini Living Trust, Canton, Ohio, to acquire 50 percent or more of the voting shares of Southport Financial Corporation, Kenosha, Wisconsin, and thereby indirectly acquire Southport Bank, Kenosha, Wisconsin. Newspaper: Federal Register Not available 03/30/2010 * 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 Thefollowingstate member banks have been examined and their CRA public evaluations are now available. RSSD ID Institution / Location Exam Date NONE CRA Examinations scheduled for Quarter of Institution NONE to the provisions of the Community Reinvestment Act Digitized for* Subject FRASER Location CRA Public Date CRA Rating Exam Method District: 8 Federal Reserve Bank of St Louis Filings received during the week ending March 27,2010 Filer Filing Type NONE * Subject to the provisions of the Community Reinvestment Act Filing Proposal End of Comment Period 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: 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 Institution / Location Exam Date NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location CRA Public Date CRA Rating Exam Method District: 9 Federal Reserve Bank of Minneapolis Filings received during the week ending March 27,2010 Filer Filing Type Filing Proposal End of Comment Period BORDER BANCSHARES, INC. CIC Notice by Dennis and Terri Brazier, Greenbush, Minnesota, to gain control of Border Bancshares, Inc., Greenbush, Minnesota, and thereby indirectly gain control of Border State Bank, Greenbush, Minnesota. In addition, notice by the Vivian Y. Miller Revocable Trust, Roseau, Minnesota; Vivian Y. Miller, Naples, Florida, as trustee of the Vivian Y. Miller Revocable Trust; the Michael J. Miller Trust, Roseau, Minnesota; Jon L. Miller, Naples, Florida, individually and as trustee of the Vivian Y. Miller Revocable Trust and the Michael J. Miller Trust; the William I. Hagen Revocable Trust, Roseau, Minnesota; William I. Hagen, Warroad, Minnesota, individually and as trustee of the William I. Hagen Revocable Trust; William M. Hagen, Salol, Minnesota; Lori Ann Minard, Bozeman, Montana; Melissa L. Tedford, Fargo, North Dakota; Neal L. Broten, River Falls, Wisconsin; Sally T. Broten, River Falls, Wisconsin; Susan L. Miller, Minneapolis, Minnesota; and Brian J. MacLellan, Minneapolis, Minnesota, as a group acting in concert to acquire and retain control of Border Bancshares, Inc., Greenbush, Minnesota, and thereby indirectly acquire and retain control of Border State Bank, Greenbush, Minnesota. Newspaper: Federal Register Not available 04/12/2010 STONEBRIDGE BANCORPORATION * 3A5 Stonebridge Bancorporation, Minneapolis, Minnesota, to acquire 100 percent of Shakopee Bancorporation, Inc., Shakopee, Minnesota, and thereby indirectly acquire Citizens State Bank of Shakopee, Shakopee, Minnesota. Newspaper: Federal Register Not available 04/12/2010 * 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: 0 = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance Thefollowingstate member banks have been examined and their CRA public evaluations are now available. 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 CRA Public Date CRA Rating Exam Method District: 10 Federal Reserve Bank of Kansas City Filings received during the week ending March 27,2010 Filer Filing Type NONE Subject to the provisions of the Community Reinvestment Act Digitized for* FRASER Filing Proposal End of Comment Period 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: 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 Institution / Location Exam Date NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location CRA Public Date CRA Rating Exam Method District: 11 Federal Reserve Bank of Dallas Filings received during the week ending March 27,2010 Filer Filing Type OPPORTUNITY BANCSHARES, INC. CIC OSB FINANCIAL SERVICES, INC. Filing Proposal End of Comment Period Notice by Moelis Capital Partners Opportunity Fund I, LP, New York, New York; Moelis Capital Partners Opportunity Fund I-A, LP, New York, New York; Moelis Capital Partners Opportunity Fund, I, LLC, New York, New York; Moelis Capital Partners LLC, New York, New York; Moelis & Company Holdings LLC, New York, New York; Moelis & Company Manager LLC, New York, New York; and Ken Moelis, New York, New York; to apply to the Federal Reserve Board for permission to acquire more than 10 percent of the shares of Opportunity Bancshares, Inc., Bettendorf, Iowa, and indirectly control its subsidiary, Opportunity Bank, NA, Richardson, Texas. Newspaper: Not available Federal Register: Not available CIC Notice by Mr. Ross H. Smith, Jr. and Eva J. Smith, Bridge City, Texas, to increase their ownership and control, from 9.97 percent to more than 10 percent, of OSB Financial Services, Inc., Orange, Texas, and indirectly, Orange Savings Bank, SSB, Orange, Texas. Newspaper: Federal Register 05/05/2010 04/07/2010 TTC HOLDINGS, INC. 4c8 Retroactive notice by TTC Holdings, Inc., San Antonio, Texas, to engage in financial and investment advisory activities pursuant to Section 225.28(b)(6X0 of Regulation Y, through its acquisition of Austin, Calvert & Flavin, Inc., San Antonio, Texas. Newspaper: Federal Register Not applicable 04/08/2010 VERITEX HOLDINGS, INC. * 3A1 Veritex Holdings, Inc., Dallas, Texas, to become Newspaper: Not available a bank holding company by acquiring 100 percent of Professional Capital, Inc., Dallas, Texas, and indirectly acquire Professional Bank, N.A., Dallas, Texas. Federal Register: Not available * 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: 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 Institution / Location Exam Date NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location CRA Public Date CRA Rating Exam Method District: 12 Federal Reserve Bank of San Francisco Filings received during the week ending March 27,2010 Filer ANCHOR BANCORP, INC. Filing Type *3A1 CARPENTER FUND MANAGER GP, LLC * 3A3 FRANK P. DOYLE TRUST, ARTICLE IX CI C FRANKLIN RESOURCES, INC. •3A3 GOLDEN PACIFIC BANCORP, INC. * 3A1 LAND BANK OF TAIWAN FBSEA NORTH ASIA INVESTMENT CORPORATION •3A1 ONE MAIN STREET, LLC *3A1 * Subject to the provisions of the Community Reinvestment Act Filing Proposal End of Comment Period 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. Newspaper: Not available Federal Register: Not available Carpenter Fund Manager GP, LLC, Carpenter Fund Management, LLC, Carpenter Community Bancfund, L P., Carpenter Community Bancfund-A, LP, Carpenter Community Bancfund-CA, L P., SCJ, Inc., and CCFW, Inc., all of Irvine, California, to acquire up to 87 percent of the outstanding voting shares of Mission Community Bancorp and thereby indirectly acquire a greater controlling interest in Mission Community Bank, both of San Luis Obispo, California; and 2) Mission Community Bancorp and Mission Community Bank, both of San Luis Obispo, California, to appoint Stephen P. Yost as a director of both Bancorp and Bank. Newspaper: Not available Federal Register: 01/29/2010 Charles W. Reinking, Santa Rosa, California, to become co-Trustee of the Frank P. Doyle Trust, Article IX, which retains voting control of Exchange Bank, both of Santa Rosa, California. Newspaper: Not available Federal Register: 02/08/2010 Franklin Resources, Inc., San Mateo, California, to retain 9.53 percent of the voting shares of West Coast Bancorp, and thereby indirectly West Coast Bank, both of Lake Oswego, Oregon, pursuant to Section 3(a)(3) of the Bank Holding Company Act. Newspaper: Not available Federal Register: Not available Golden Pacific Bancorp, Inc., Sacramento, California, to become a Bank Holding Company by acquiring 100 percent of the voting stock of Gold Country Financial Services, Inc., and indirectly its subsidiary, Gold Country Bank,National Association, both of Maiysville, California. Newspaper: Not available Federal Register: 12/07/2009 Land Bank of Taiwan Co., Ltd., Taipei, Taiwan, to establish a New York branch office pursuant to section 211.24(a)(2Xi)(A) of Regulation K. Newspaper: Not available Federal Register: Not applicable North Asia Investment Corporation, Seoul, Korea, to become a bank holding company by acquiring 100 percent of Pacific City Financial Corporation, and indirectly its subsidiary, Pacific City Bank, both of Los Angeles, California. Newspaper: 04/15/2010 Federal Register: Not available Newspaper: Not available Federal Register: 04/08/2010 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. District: 12 > Federal Reserve Bank of San Francisco Availability of CRA Public Evaluations v 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 Exam Date Institution / Location NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location CRA Public Date CRA Rating Exam Method