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ANNOUNCEMENT BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM the Federal Reserve Banks; ApplicatftdMns and Reports Received ^ri&glttlle We«c Ending October 17, 1992 nqrsuvei^ o ACTIONS TAKEN BY THE BOARD OF GoVer' ENFORCEMENT Genoa Banking Company, Genoa, Ohio -- cease and desist order. Announced, October 14, 1992. EXTENSIONS OF TIME Regulation T — extension to November 16, 1992, to receive comments on advance notice of proposed rulemaking (Docket R-0772). Granted, October 13, 1992. 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 Philadelphia Commonwealth Bank, Williamsport, Pennsylvania — to establish a branch at 12 South Main Street, WilkesBarre, Pennsylvania. Approved, October 13, 1992. Atlanta Dadeland Bank, Miami, Florida -- to establish an automatic teller machine / night deposit in the Dadeland Mall, 7535 North Kendall Drive. Approved, October 16, 1992. Chicago G.W. Jones Exchange Bank, Marcellus, Michigan -- to relocate a branch to 110 South Spencer Road, Cassopolis, Michigan, from 110 South Broadway. Returned, October 13, 1992. Boston Union Trust Company, Ellsworth, Maine -- to establish an off-site automated teller machine in Ellsworth, Maine. Approved, October 11, 1992. Boston Union Trust Company, Ellsworth, Maine -- to establish a branch at the IGA PLUS, High Street. Approved, October 13, 1992. H.2 OCTOBER 11, 1992 TO OCTOBER 16, 1992 PAGE 2 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK HOLDING COMPANIES Kansas City Acquisition Corporation, Leawood, Kansas — to acquire LeavCorp, Inc., Leavenworth, Kansas. Approved, October 13, 1992. Dallas Bank Asset Management Corporation, Wilmington, Delaware — to acquire Bank of San Antonio / Medical Center, San Antonio, Texas, and Bank of San Antonio. Approved, October 16, 1992. Kansas City Bellwood Community Holding Company, Bellwood, Nebraska — to acquire the Bank of the Valley. Approved, October 13, 1992. Kansas City Brooke Corporation, Jewell, Kansas — to acquire Brooke State Bank, and to continue to engage in the sale of general insurance. Approved, October 16, 1992. Richmond City Holding Company, Charleston, West Virginia — engage in data processing activities. Approved, October 15, 1992. San Francisco Continental Bancorporation, Las Vegas, Nevada — to engage de novo in trust company activities through Continental Trust Company. Permitted, October 13, 1992. San Francisco El Dorado Bancorp, Tustin, California — to engage de novo in lending activities through El Dorado Bancorp Home Loans, Inc., Laguna Hills, California. Permitted, October 13, 1992. Atlanta Fidelity Southern Corporation, Decatur, Georgia -- to engage de novo in providing securities brokerage and to underwrite and deal in government obligations and money market instruments through Fidelity Capital Investors, Inc. Permitted, October 15, 1992. Kansas City First Bancorp of Kansas, Wichita, Kansas — to merge with WRB Bancshares, Inc., Oklahoma City, Oklahoma. Approved, October 16, 1992. to H .2 OCTOBER 11, 1992 PAGE 3 TO OCTOBER 16, 1992 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK HOLDING COMPANIES Chicago First Midwest Corporation of Delaware, Elmwood Park, Illinois — to acquire West Central Illinois Bancorp, Inc., Monmouth, Illinois, and to acquire The National Bank of Monmouth. Approved, October 13, 1992. Chicago Hawkeye Bancorporation, Des Moines, Iowa — to acquire Jasand, Inc., Cedar Rapids, Iowa, and City National Bank of Cedar Rapids. Approved, October 13, 1992. Chicago Heritage Financial Services, Inc., Blue Island, Illinois — to acquire Alsip Bancorporation, Inc., Alsip, Illinois, and acquire Alsip Bank and Trust. Returned, October 15, 1992. Kansas City Liberty Bancorp, Inc., Oklahoma City, Oklahoma -- to retain 6.03 percent of F & M Bancorporation, Inc., Tulsa, Oklahoma. Approved, October 16, 1992. Kansas City Liberty Bancorp, Inc., Oklahoma City, Oklahoma — acquire Mid City Bank, N.A., Midwest City, Oklahoma. Approved, October 16, 1992. Dallas New Mexico National Financial Incorporated, Roswell, New Mexico — to acquire Western Banc of Truth or Consequences, Inc., Truth or Consequences, New Mexico, and FirstBank of Truth or Consequences. Approved, October 16, 1992. Kansas City United Nebraska Financial Company, Grand Island, Nebraska — to acquire First Security Bank of Holdrege, Holdrege, Nebraska. Approved, October 16, 1992. Minneapolis Wabasha Holding Company, Wabasha, Minnesota — to engage in general insurance agency activities through First State Insurance of Wabasha, Inc. Approved, October 16, 1992. to H .2 OCTOBER 11, 1992 TO OCTOBER 16, 1992 PAGE 4 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK PREMISES New York Banco Popular de Puerto Rico, Hato Rey, Puerto Rico - investment in bank premises. Approved, October 13, 1992. Philadelphia Commonwealth Bank, Williamsport, Pennsylvania — investment in bank premises. Approved, October 13, 1992. Philadelphia Johnstown Bank & Trust Company, Johnstown, Pennsylvania — investment in bank premises. Approved, October 14, 1992. Cleveland Ohio Citizens Bank, Toledo, Ohio — bank premises. Approved, October 16, 1992. investment in CAPITAL STOCK Minneapolis Citizens Bank Holding Company, Finley, North Dakota ~ redemption of shares. Approved, October 14, 1992. Chicago Elgin Bancshares, Inc., Kansas City, Missouri — redemption of shares. Approved, October 16, 1992. Kansas City First of Grandfield Corporation, Grandfield, Oklahoma — redemption of shares. Approved, October 14, 1992. Kansas City Greeley Bancshares, Inc., Greeley, Kansas — redemption of shares. Approved, October 16, 1992. S t . Louis Scott County Bancorp, Inc., Winchester, Illinois — redemption of shares. Approved, October 14, 1992. CHANGE IN BANK CONTROL Kansas City CNB Financial Corporation, Kansas City, Kansas — change in bank control. Permitted, October 13, 1992. H .2 OCTOBER 11, 1992 TO OCTOBER 16, 1992 PAGE 5 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY CHANGE IN BANK CONTROL Richmond Commercial BancShares, Inc., Parkersburg, West Virginia -- change in bank control. Permitted, October 15, 1992. Chicago Elgin Bancshares, Inc., Kansas City, Missouri — change in bank control. Permitted, October 16, 1992. San Francisco Orange Bancorp, Fountain Valley, California -- change in bank control. Permitted, October 14, 1992. San Francisco Sunstate Bancshares, Inc., Casa Grande, Arizona -change in bank control. Permitted, October 13, 1992. COMPETITIVE FACTORS REPORTS St. Louis Bowling Green Bank & Trust Company, National Association, Bowling Green, Kentucky, proposed merger with Bowling Green Interim Bank & Trust Company, National Association — report on competitive factors. Submitted, October 15, 1992. Kansas City Farmers National Bank of Stafford, Stafford, Kansas, proposed merger with Buhler State Bank, Buhler, Kansas — report on competitive factors. Submitted, October 13, 1992. Kansas City First Community Bank, Blanchard, Oklahoma, proposed acquisition of assets and assumption of liabilities of the Blanchard branch of First State Bank, Hinton, Oklahoma — report on competitive factors. Submitted, October 13, 1992. San Francisco Great Western Bank, A Savings Bank, Bellevue, Washington, proposed merger with Great Western Bank A Federal Savings Bank, Chatsworth, California — report on competitive factors. Submitted, October 13, 1992. H .2 OCTOBER 11, 1992 TO OCTOBER 16, 1992 PAGE 6 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY COMPETITIVE FACTORS REPORTS Boston Liberty Bank, Middletown, Connecticut, proposed acquisition of certain assets and assumption of certain liabilities of the Montville, Connecticut, branch of Farmers and Mechanics Bank, Middletown, Connecticut -- report on competitive factors. Submitted, October 15, 1992. S t . Louis New Farmers National Bank of Glasgow, Glasgow, Kentucky, proposed merger with The New Farmers Interim National Bank of Glasgow — report on competitive factors. Submitted, October 15, 1992. S t . Louis Southwest Bank of Polk County, Bolivar, Missouri, proposed merger with Southwest Bank of Hickory County, Hermitage, Missouri, Southwest Bank, National Association, Republic, Missouri, and Southwest Bank of Buffalo, Buffalo, Missouri — report on competitive factors. Submitted, October 16, 1992. Atlanta Trans Financial Bank of Tennessee, FSB, Columbia, Tennessee, proposed merger with Trans Financial Federal Bank of Tennessee, Tullahoma, Tennessee -report on competitive factors. Submitted, October 15, 1992. S t . Louis United Postal Bancorp, Inc., St. Louis, Missouri, proposed acquisition of certain assets and assumption of all savings deposits of First Federal Savings and Loan Association of Manchester, Manchester, Missouri — report on competitive factors. Submitted, October 15, 1992. H .2 OCTOBER 11, 1992 TO OCTOBER 16, 1992 PAGE 7 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY EXTENSIONS OF TIME Atlanta Barnett Banks, Inc., Jacksonville, Florida — extension to January 1, 1993, to engage de novo in leasing activities through Barnett Leasing Company, Jacksonville, Florida. Granted, October 13, 1992. Atlanta Kislak Financial Corporation, Miami Lakes, Florida -extension to January 14, 1993, to acquire Kislak National Bank, North Miami, Florida. Granted, October 14, 1992. Secretary Faulk County State Bank, Faulkton, South Dakota -- to become a member of the Federal Reserve System. Approved, October 16, 1992. MEMBERSHIP H .2 OCTOBER 11, 1992 TO OCTOBER 16, 1992 PAGE 8 ADDITIONS AND CORRECTIONS ACTIONS TAKEN BY THE BOARD OF GOVERNORS BOARD OPERATIONS Office of the Secretary — appointment of Ellen Maland as a Visiting Assistant Secretary for a oneyear period beginning October 26, 1992. Approved, October 5, 1992. ADDITIONS AND CORRECTIONS ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK BRANCHES, DOMESTIC Chicago Bank of Burlington, Burlington, Wisconsin — to establish a branch at 240 North Milwaukee Street, Waterford, Wisconsin. Approved, October 9, 1992. Chicago Cole Taylor Bank, Chicago, Illinois — to establish a branch at Suburban Heights Medical Center, 333 Dixie Highway, Chicago Heights, Illinois, and 9400 South Western Avenue, Evergreen Park, Illinois. Withdrawn, October 5, 1992. Chicago Northern Trust Company, Chicago, Illinois — to establish branches at Andersen School, 1851 West Division; Von Humboldt School; 2620 West Hirsh; and Pritzker School, 2009 West Schiller. Approved, October 7, 1992. BANK MERGERS Chicago Cole Taylor Bank, Chicago, Illinois — to merge with Cole Taylor Bank / Yorktown, Lombard, Illinois, and establish a branch at One Yorktown Center. Approved, October 9, 1992. H .2 ADDITIONS AND CORRECTIONS OCTOBER 11, 1992 PAGE 9 TO OCTOBER 16, 1992 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK PREMISES Philadelphia Commonwealth Bank, Williamsport, Pennsylvania -investment in bank premises. Approved, September 21, 1992. COMPETITIVE FACTORS REPORTS Atlanta Bank of Columbia, Columbia, Alabama, proposed acquisition of certain assets and assumption of liability to pay deposits made in the 414 Broadway Street, Ashford, Alabama, branch of AmSouth Bank, N.A., Birmingham, Alabama -- report on competitive factors. Submitted, October 5, 1992. 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 Application Comment Period Ending Date NONE SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY Application Comment Period Ending Date NONE SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER OR NEWSPAPER NOTICE Application NONE SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS ♦Rating Definitions: "0" - Outstanding; "S" - Satisfactory; Needs to Improve; "SN" - Substantial Noncompliance. "N" - Institution Bating* Examination Date NONE Federal Reserve Bank of New York Comment Period Ending Date SECTION I Applications Subject to Newspaper __________ Notice Only__________ Chemical Bank, New York, New York, to establish a branch at Manhattan Eye, Ear and Throat Hospital, 210 Wast 64th St., New York, New York.l/ 11/8/92 SECTION II Applications Subject to Both Newspaper and Federal Register Notice KeyCorp and Key Bancshares of New York, both of Albany, New York to acquire National Savings Bank of Albany, Albany, New York.l/ 11/8/92 3/ George E. Scharpf, Colts Neck, New Jersey, to increase to his holdings 13.01 percent of the voting shares of Amboy Bancorporation, Old Bridge, New Jersey. N/A SECTION III Nonbanking Applications (Subject to Federal Register Notice Only) None. 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 Ending October 17. 1992 NAME OF BANK RATING EXAMINATION DATE Fleet Bank (Formerly Norstar Bank) 300 Broad Hollow Road Melville, N.Y. 11747-4850 Outstanding May 18, 1992 West Jersey Community Bank 165 Passaic Avenue Fairfield, N.J. 07004 Needs to Improve April 28, 1992 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 Comment Period Ending Date NONE. SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY Comment Period Ending Date 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 October 16, 1992. 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 E xam ination D ate CRA R a tin g Federal Reserve Bank of Cleveland Applications Bulletin For Week Ending October 17, 1992 SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY NONE SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE Received Section 3(a) (1) application from * N: November 18, 1992 Snyder Holding Corporation and F&A Financial Company, both of Kittanning, Pennsylvania, on October 15, 1992, to acquire up to 26.54 percent of the outstanding shares of The Armstrong County Trust Company, Kittanning, Pennsylvania Received Section 3(a) (1) application from * N: November 18, 1992 Snyder Holding Corporation and F&A Financial Company, both of Kittanning, Pennsylvania, on October 15, to acquire up to 42.00 percent of the outstanding shares of The Farmers National Bank of Kittanning, Kittanning, Pennsylvania SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY Received Section 4(c) (8) notice from Farmers & Not Yet Known # Bancorp, Inc., Archbold, Ohio, on October 9, 1992, of its intent to sell all credit life and all credit disability/health insurance requested by loan customers of its wholly-owned subsidiary bank, The Farmers & Merchants State Bank. The activity will be conducted by a wholly-owned subsidiary, Independent Life Insurance Company, in its operation as the principal in the underwriting of said insurace as reinsurer in accordance with Section 225.25(b)(8)(B) of Regulation Y. * N F # - Subject to CRA Newspaper Comment Period Federal Register Comment Period Expected to end approximately 30 days from date of application's receipt. Applications Bulletin For Week Ending October 17, 1992 SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY (Continued) Received Section 4( c ) (8) application from Not Yet Known # Huntington Bancshares Incorporated, Columbus, Ohio, on October 13, 1992, to expand the scope of the activities of its wholly-owned subsidiary, The Huntington Company, to include private placement and riskless principal activities; underwriting and dealing in bank-ineligible securities; and providing securities brokerage and investment and financial advisory services, underwriting and dealing in governmental obligations and money market instruments. Received Section 4 ( c ) (8) application from * Not Yet Known # Society Corporation, CLeveland, Ohio, on October 13, 1992, to acquire First Federal Savings and Loan Association of Fort Meyers, Fort Meyers, Florida. SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEWSPAPER NOTICE Received request from Ohio Citizens Bank, Toledo, Ohio, on October 16, 1992, for permission to exceed its limit of investment in bank premises permitted under Section 24A of the Federal Reserve Act. Received application from The Provident Bank, Cincinnati, Ohio, for approval to have Provident Securities and Investments Company broaden the scope of its activities to provide investment advisory services to institutional and retail customers through a bank service corporation. * N F # - Subject to CRA Newspaper Comment Period Federal Register Comment Period Expected to end approximately 30 days from date of application's receipt. Federal Reserve Bank of Richmond 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 Application Comment Period Ending Date First Union Corporation, Charlotte, North Carolina, to acquire Dominion Bankshares Corporation, Roanoke, Virginia.* Not yet available. Section III - Applications Subject to Federal Register Notice Application Comment Period Ending Date First Union Corporation, Charlotte, North Carolina, to acquire PSFS Thrift Holding Company, Philadelphia, Pennsylvania, and its subsidiary, Meritor Savings, F.A. , Winter Haven, Florida.* Not yet available. Section IV - Applications Not Subject to Federal Register Notice or Newspaper Notice Application None. *Application is subject to CRA requirements. Comment Period Ending Date F e d e ra l R eserve Bank o f Richmond Availability of CRA Public Evaluations Week ending October 16, 1992 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 Bank of the Potomac 230 Herndon Parkway Herndon, Virginia 22070 8-3-92 Rating Satisfactory Federal Reserve Bank of Atlanta Applications Bulletin for Week Ending October 16. 1992 Section 1 - Applications Subject to Newspaper Notice Only Application Comment Period Ending Date Central Bank of the South Birmingham, Alabama To establish a branch located at 3480 Eastern Boulevard, Montgomery, Alabama. 11-08-92* The Peoples Bank and Trust Company Selma, A1abama To merge with The Citizens Bank of Prattville, Prattville, Alabama, and its parent company, Cee-Bee Corporation, Prattville, Alabama, pursuant to Section 18(c) of the Federal Deposit Insurance Act. 11-16-92* Section 2 - Applications Subject to Both Newspaper and Federal Register Notice Application Comment Period Ending Date SunTrust Banks, Inc. Not yet available* Roswell, Georgia To acquire First United Bancorp, Inc., Florence, Alabama, and thereby indirectly acquire its bank subsidiary, The First National Bank of Florence, Florence, Alabama. Swainsboro Bancshares, Inc. Swainsboro, Georgia An after-the-fact change in control by Elmer Lamar Anderson to retain 1.36 percent of the outstanding shares of common stock. The acquisition increased his total ownership to 10.85. 10-28-92* Newspaper ♦Subject to the Provisions of the Community Reinvestment Act. Federal Reserve Bank of Atlanta Applications Bulletin for Week Ending October 16. 1992 Section 3 - Applications Subject to Federal Register Notice Only Application Comment Period Ending Date None. Section 4 - Applications Not Subject to Federal Register Notice or Newspaper Notice Application The Peoples BancTrust Company, Inc. Selma, Alabama 3(a)(5) Waiver request to merge with The Citizens Bank of Prattville, Alabama, and its parent company, Cee-Bee Corporation, Prattville, Alabama. Federal Reserve Bank of Atlanta Applications Bulletin for Week Ending October 16. 1992 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 Barnett Bank of Southwest Georgia 1234 - 1st Avenue Columbus, Georgia 31993 (706) 571-7827 Rating Outstanding Date 07-13-92 Federal Reserve Bank of Chicago Section I - Applications Subject to Newspaper Notice Only Comment Period Ending Date Type Application Branch Harris Bank of St. Charles St. Charles, Illinois 4 contractual branches at Harris Bank Argo Summit, Illinois 1 contractual branch at Harris Bank Barrington, N.A. Barrington, Illinois 1 contractual branch at Harris Bank Wilmette, N.A. Wilmette, Illinois 2 contractual branch at Harris Bank Winnetka, N.A. Winnetka, Illinois 2 contractual branches at Harris Bank Frankfort Frankfort, Illinois 2 contractual branches at Harris Bank Hinsdale, N.A. Hinsdale, Illinois 2 contractual branches at Harris Bank Glencoe-Northbrook, N.A. Glencoe, Illinois 3 contractual branches at Harris Bank Libertyville Libertyville, Illinois* N Branch Lake Forest Bank and Trust Company Lake Forest, Illinois Corner of Bank Lane & Wisconsin Avenue Lake Forest, Illinois* N - 10-17-92 Oakar Heritage Financial Services, Inc. Tinley Park, Illinois First Chicago Bank for Savings, F.S.B. Frankfort, Illinois* N - 10-24-92 Branch 1st Source Bank South Bend, Indiana 1701 S. Woodland Avenue Michigan City, Indiana* N - ** Federal Reserve Bank of Chicago Section I - Applications Subject to Newspaper Notice Only (Continued Comment Period Ending Date Type Application Branch 1st Source Bank South Bend, Indiana 6311 Central Avenue Portage, Indiana* N - ** EFT Comerica Bank Detroit, Michigan 1400 Plainfield Road Grand Rapids, Michigan* N - 10-19-92 Branch Huron Community Bank East Tawas, Michigan Northeast Intersection of Traverse Bay State Road and Church Street Lincoln, Michigan* N - 10-16-92 Oakar United Bancorp, Inc. Tecumseh, Michigan Morenci & Clinton, Michigan offices of Standard Federal Bank Troy, Michigan* N - 10-21-92 Branch Omnibank River Rouge, Michigan Intersection of Woodward & Manchester Highland Park, Michigan* Branch Old Kent Bank and Trust Company Grand Rapids, Michigan 333 Bridge Street Grand Rapids, Michigan* EFT Cole Taylor Bank Chicago, Illinois Suburban Heights Medical Center 333 Dixie Highway Chicago Heights, Illinois* N - 10-19-92 EFT Cole Taylor Bank Chicago, Illinois Sam's Club, 9400 South Western Avenue Evergreen Park, Illinois* N - 10-19-92 N N - ** - 10-18-92 Federal Reserve Bank of Chicago Section I - Applications Subject to Newspaper Notice Only (Continued Type Application Branch Relocation G.W. Jones Exchange Bank Marcellus, Michigan From 110 South Broadway to 110 South Spencer Road Cassopolis, Michigan* Comment Period Ending Date N Federal Reserve Bank of Chicago Type Section II - Applications Subject to Both Newspaper and Federal Register Notice Comment Period Ending Date Application Y-l Omnibank Corporation River Rouge, Michigan Omnibank River Rouge, Michigan* FR - 10-23-92 N - 10-21-92 Y-2 PSB Corporation Wellsburg, Iowa First National Bank of Sumner Sumner, Iowa* FR - 10-8-92 N - 10-3-92 Y-2 Seaway Bancshares, Inc. Chicago, Illinois Highland Community Company Chicago, Illinois Highland Community Bank Chicago, Illinois* FR - 10-9-92 N - 10-5-92 CoC-HC Metrocorp, Inc. East Moline, Illinois Metrocorp, Inc. Employee Stock Ownership Plan East Moline, Illinois FR - 9-21-92 N - 10-23-92 Y-2 Great Lakes Financial Resources, Inc. Employee Stock Ownership Plan Homewood, Illinois Great Lakes Financial Resources, Inc. Homewood, Illinois First National Bank of Blue Island Blue Island, Illinois Bank of Matteson Matteson, Illnois Bank of Homewood Homewood, Illinois* FR - ** N - 10-26-92 Y-2 Comerica Incorporated Detroit, Michigan Sugar Creek National Bank Sugar Land, Texas* FR - ** N - ** Y-l Random Lake Bancorp., Limited Random Lake, Wisconsin State Bank of Random Lake Random Lake, Wisconsin* FR - 10-26-92 N - 9-22-92 Federal Reserve Bank of Chicago Type Section II - Applications Subject to Both Newspaper and Federal Register Notice (Continued ) Comment Period Ending Date Application CoC-HC Peoples Mid-Illinois Corporation Bloomington, Illinois George Parker Kemp FR - ** N - 10-28-92 Y-l SC Bancorp, Inc. Worth, Illinois The Sun City Bank Sun City, Arizona* FR - ** N - ** Y-2 Southwest Bancorp, Inc. Worth, Illinois SC Bancorp, Inc. Worth, Illinois The Sun City Bank Sun City, Arizona* FR - ** N - ** Y-2 Peoples Mid-Illinois Corporation Bloomington, Illinois Lexington Bancshares, Inc. Lexington, Illinois Lexington Bank Lexington, Illinois* FR - 10-23-92 N - 10-5-92 Y-l PMI Acquisition Corporation Bloomington, Illinois Lexington Bank Lexington, Illinois* FR - 10-23-92 N - 10-5-92 Y-2/Oakar ABN AMRO Bank, N.V. Amsterdam, The Netherlands LaSalle Talman Bank, F.S.B. Chicago, Illinois* FR - ** N - ** Y-21 Dakar ABN AMRO North America, Inc. Chicago, Illinois LaSalle Talman Bank, F.S.B. Chicago, Illinois* FR - ** N - ** Y-2/Oakar ABN/AMRO Holding, N.V. Amsterdam, The Netherlands LaSalle Talman Bank, F.S.B. Chicago, Illinois* FR - ** N - ** Federal Reserve Bank of Chicago Type Section II - Applications Subject to Both Newspaper and Federal Register Notice fContinued) Comment Period Application Ending Date Y-2/Oakar LaSalle National Corporation Chicago, Illinois LaSalle Talman Bank, F.S.B. Chicago, Illinois* FR - ** N - ** Y-2/Oakar Stichting Administratiekantoor ABN AMRO Holding Amsterdam, The Netherlands LaSalle Talman Bank, F.S.B. Chicago, Illinois* FR - ** N - ** Y-2/Oakar Stichting Prioriteit ABN AMRO Holding Amsterdam, The Netherlands LaSalle Talman Bank, F.S.B. Chicago, Illinois* FR - ** N - ** Y-2 Gibson Investment Company Gibson, Iowa Wingo, Ltd. Brooklyn, Iowa Poweshiek County Savings Bank Brooklyn, Iowa* FR - ** N - ** CoC-HC Wingo, Ltd. Brooklin, Iowa Roll in R. Harder FR - ** N - ** Federal Reserve Bank of Chicago Section III - Applications Subject to Federal Register Notice Only Comment Period Ending Date Type Application Y-4 FBOP Corporation Oak Park, Illinois Fairfield Financial Corporation Oak Park, Illinois Y-4 Henry County Bancorp, Inc. FR - ** Cambridge, Illinois Arizona Reconstruction Finance Company, L.L.C. Worth, Illinois Y-4 Iroquois Bancorp, Inc. FR - ** Gilman, Illinois Arizona Reconstruction Finance Company, L.L.C. Worth, Illinois Y-4 Minooka Bancorp, Inc. FR - ** Minooka, Illinois Arizona Reconstruction Finance Company, L.L.C. Worth, Illinois Y-4 Peotone Bancorp, Inc. FR - ** Peotone, Illinois Arizona Reconstruction Finance Company, L.L.C. Worth, Illinois Y-4 Rock River Bancorporation FR - ** Oregon, Illinois Arizona Reconstruction Finance Company, L.L.C. Worth, Illinois Y-4 Southwest Bancorp, Inc. FR - ** Worth, Illinois Arizona Reconstruction Finance Company, L.L.C. Worth, Illinois Y-4 Terrapin Bancorp, Inc. FR - ** Elizabeth, Illinois Arizona Reconstruction Finance Company, L.L.C. Worth, Illinois Y-4 Westbanco, Inc. FR - ** Westville, Illinois Arizona Reconstruction Finance Company, L.L.C. Worth, Illinois FR - * * Federal Reserve Bank of Chicago Type Section III - Applications Subject to Federal Register Notice Only (Continued ) Comment Period Application Ending Date 4(c)(8) Sullivan Bancshares, Inc. Sullivan, Illinois Engage in the purchasing of loan participations from its subsidiary, The First National Bank of Sullivan Sullivan, Illinois FR - 10-23-92 4(c)(8) Edgemark Financial Corporation Chicago, Illinois Edgemark Financial Services, Inc. Countryside, Illinois FR - ** Y-4 First Michigan Bank Corporation Holland, Michigan FMB-Brokerage Services, Inc. Holland, Michigan FR - ** Y-4 Story County Bancorporation Jewell, Iowa Viking Village Company, L.P. Jewell, Iowa FR - 10-23-92 Y-4 Cole-Taylor Financial Group, Inc. Chicago, Illinois Centre Capital Funding Corp. Evanston, Illinois FR - ** Y-4 Northern Trust Corporation Chicago, Illinois Northern Futures Corporation Chicago, Illinois FR - ** Federal Reserve Bank of Chicago Section IV - Applications Not Subject to Federal Register or Newspaper Notice Type Application Ros Bosshard Financial Group, Inc. Lacrosse, Wisconsin To redeem 955 shares (54.05%) of its own common stock RoS Wingo, Ltd. Brooklyn, Iowa To redeem 10,469 shares of common stock 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 October 16, 1992. 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 -American Midwest Bank & Trust 17th Avenue and Lake Street Melrose Park, Illinois 60160 (708) 681-8600 5/18/92 S -Royal American Bank 1604 Colonial Parkway Inverness, Illinois 60067 (708) 202-8300 7/06/92 S -Wayne Bank & Trust Company 145 West Main Street Cambridge City, Indiana 47327 (317) 478-3561 7/13/92 S Federal Reserve Bank of St. Louis FOR THE WEEK ENDING OCTOBER 16, 1992 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 Area Bancshares Corporation, Owensboro, Kentucky to acquire Southern Deposit Bank Russellville, Kentucky End of Comment Period Newspaper: 11-15-92 SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE Application End of Comment Period Section 4(c)(8) application by Scott County Bancorp, Inc., Winchester, Illinois to acquire an equity interest of at least 7.86% in Arizona Reconstruction Finance Company, L.L.C., Worth, Illinois, a de novo company formed to acquire, service, collect and liquidate loans and loan related assets currently owned or originated by Founders Bank, Scottsdale, Arizona Not yet available SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEWSPAPER NOTICE Application End of Comment Period None. * This application is subject to CRA. 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 A n 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 lo w - 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 o f ascertaining and helping to meet the credit needs o f its entire delineated community, including low- and moderate- income neighborhoods, in a manner consistent with its resources and capabilities. Needs to improve 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 o f 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 o f 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 October 16, 1992 Bank Address The Scott County State Bank P. 0. Box 158 Scottsburg, Indiana Bank of Gainsville P. 0. Box 68 Gainsville, Missouri Examination Date Examination Rating 7-13-92 Satisfactory 6-22-92 Satisfactory 47170 65655 FEDERAL RESERVE BANK OF MINNEAPOLIS Section I - Applications Subject to Newspaper Notice Only Comment Period Ending Date Application None. Section II - Applications Subject to Both Newspaper and Federal Register Notice Application Comment Period Ending Date West River Holding Company Hettinger, ND To acquire 100% of the West River State Bank, Hettinger, ND* 10-29-92 (Federal Register) Franklin Bancorp, Inc. Mpls, MN To acquire 81% of Park Financial of St. Paul, Inc., St. Paul, MN, a one-bank holding company owning the St. Anthony Park State Bank, St. Paul, MN* 10-29-92 (Federal Register) Milk River Investments, Inc. Hinsdale, MT To acquire 7.3% of the First National Bank of Glasgow, Glasgow, MT* Not yet available Tower Bancshares, Inc. Cloquet, MN To acquire Tower-Soudan Agency, Inc., Tower, MN, a one bank holding company owning the State Bank of Tower, Tower, MN* Not yet available Citizens Bancorporation of New Ulm, Inc. New Ulm, MN To acquire, via merger, 100% of Lafayette Bancshares, Inc., Lafayette, MN, a one bank holding company owning the Citizens State Bank, Lafayette, MN* ♦Subject to CRA 10-10-92 (Newspaper) FEDERAL RESERVE BANK OF MINNEAPOLIS Section III - Applications Subject to Federal Register Notice Only Comment Period Endincr Date Application Security Richland Bancorporation Miles City, MT To engage in general insurance agency activities and acting as principal, agent, or broker for credit life, accident and health insurance directly related to an extension of credit by the bank holding company or any of its subsidiaries through the acquisition of the book of insurance business from Richey Bancorporation, Inc., Richey, MT. Not yet available Wishek Bancorporation, Inc. Wishek, ND To enaacre de novo in makinq and servicing loans. Not yet available Tower Bancshares, Inc. Cloquet, MN To engage in general insurance agency activities through the acquisition of Tower Soudan Agency, Inc., Tower, MN. Not yet available Marquette Bancshares, Inc. Mpls, MN To enaacre de novo in data processina services. Not yet available Marquette Bancshares, Inc. Mpls, MN To encraae de novo in makincr and servicing loans. Not yet available Section IV - Applications Not Subject to Federal Register Notice or Newspaper Notice Application None. FEDERAL RESERVE BANK OF MINNEAPOLIS Section V - Availability of CRA Public Evaluations week ending October 16, 1992 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 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(S ) EXAMINED Lake County Bank P. 0. Drawer E St. Ignatius, MT 59865 (406) 745-3123 Le Sueur State Bank 229 South Main, Box 106 Le Sueur, MN 56058 (612) 665-6465 DATE OF EXAMINATION CRA RATING July 20, 1992 Satisfactory July 13, 1992 Satisfactory Federal Reserve Bank of Kansas City SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY APPLICATION Century Bank Academy At Hancock, Colorado Springs, Colorado, for prior approval to establish a branch at Vickers Drive and Academy Boulevard in Colorado Springs, Colorado.* COMMENT PERIOD ENDING DATE Not Available SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE APPLICATION COMMENT PERIOD ENDING DATE Martin and Sandra Schifferdecker, Girard, Kansas, for prior approval to increase their ownership of G.N. Bancshares, Inc., Girard, Kansas, from 23.4 percent to 27.5 percent.* Not Available Merchants Bancshares, Inc., Kansas City, Missouri, to acquire 51 percent of the voting shares of One Security of Kansas, Inc., Kansas City, Kansas.* Not Available One Security of Kansas, Inc., Kansas City, Kansas; Mission Bancshares, Inc., Mission, Kansas; Valley View Bancshares, Inc., Overland Park, Kansas; Industrial Bancshares, Inc., Kansas City, Kansas, to acquire 5 percent or more of the voting shares of Merchants Bancshares, Inc., Kansas City, Missouri.* Not Available MBI Bancshares, Inc., Kansas City, Missouri, to acquire 5 percent or more of the voting shares of The Bank of St. Joseph, St. Joseph, Missouri.* Not Available Winter Trust of 12/3/74, Ottawa, Kansas, for prior approval to become a bank holding company through the acquisition of 100 percent of the voting shares of El Paso Bancshares, Inc., Monument, Colorado.* Not Available Federal Reserve Bank of Kansas City Battle Creek State Company, Battle Creek, Nebraska, for prior approval to become a bank holding company through the acquisition of 80.8 percent of the voting shares of Battle Creek State Bank, Battle Creek, Nebraska.* Not Available Pine River Bank Corp., Bayfield, Colorado, for prior approval to become a bank holding company through the acquisition of 90 percent of the voting shares of Pine River Valley Bank, Bayfield, Colorado.* Not Available SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY APPLICATION COMMENT PERIOD ENDING DATE None. SECTION IV ~ APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEWSPAPER NOTICE APPLICATION None. SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS 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 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. 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. Federal Reserve Bank of Kansas City 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 moderateincome 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 moderateincome neighborhoods, in a manner consistent with its resources and capabilities. Bank/Location Exam Date None. *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 OCTOBER 12, 1992 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 Randy L. Ewing, Quitman, LA; John C. Sheaiy; David G. Darland; and Joe C. Mitcham, Jr., Ruston, LA, to acquire an interest in American National Bancshares, Inc., Ruston, LA N/A Change in Control Notice by James William Collins, McAllen, TX, to acquire an interest in Gulf Southwest Bancorp, Inc., Houston, TX N/A Change in Control Notice by James William Collins, McAllen, TX, to acquire an interest in Texas Regional Bancshares, Inc., McAllen, TX N/A ♦Section 3(a)(1) application by South Plains Financial, Inc., Morton, TX, to acquire South Plains Delaware Financial Corporation, Dover, DE; South Plains Financial Corporation, Dover, DE; Morton Financial Corporation, Morton, TX; South Plains Bank, Level land, TX; and First State Bank, Morton, TX 92/11/08 ♦Section 3(a)(1) application by South Plains Delaware Financial Corporation, Dover, DE, to acquire South Plains Financial Corporation, Dover, DE; Morton Financial Corporation, Morton, TX; South Plains Bank, Level land, TX; and First State Bank, Morton, TX 92/11/08 SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY APPLICATION None. NOTICE EXP 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 OCTOBER 12. 1992 Outstanding record of meeting community credit needs. An institution in this group has an outstanding leader in, ascertaining and helping to meet the entire delineated community, including lowneighborhoods, in a manner consistent with capabilities. record of, and is a credit needs of its and moderate-income its resources and 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 thecredit 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 thecredit 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 First Bank of Snook P. 0. Box 39 Loop 2155 Snook, Texas 77878 92/07/14 CRA Rating Satisfactory FEDERAL RESERVE BANK OF SAN FRANCISCO Week ending 10/16/92 Section I - Applications Subject to Newspaper Notice Only Application Comment Period Ending Date Independent Bank of Arizona, Phoenix, Arizona, to become a member of the Federal Reserve System. Newspaper: Not available Independent Bank of Arizona, Phoenix, Arizona, to acquire certain assets and assume certain liabilities of Caliber Bank, Phoenix, Arizona. * Newspaper: Not available Section II - Applications Subject to Both Newspaper and Federal Register Notice Application Comment Period Endinq Date Independent Bancorp of Arizona, San Francisco, California, to become a bank holding company by acquiring Independent Banks of Arizona (In Organization), Phoenix, Arizona. * Newspaper: Not available Fed. Rea.: Not available American Marine Bank Employee Stock Ownership Plan, Bainbridge Island, Washington, to become a bank holding company by acquiring American Marine Bank, Bainbridge Island, Washington. * Newspaper: 10/30/92 Fed. Rea.: Not available Rosa Leong, Los Angeles, California, to increase ownership from 24.9 percent up to 98 percent of Wilshire Center Bancorp, Los Angeles, California. Newspaper: 10/28/92 Fed. Req.: 10/16/92 Section III - Applications Subject to Federal Register Notice Only Application Comment Period Ending Date None 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 10/16/92 Section V - Availability of CRA Public Evaluations The CRA public evaluations of the institution(s) below became available during the week ending October 16, 1992. 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 noncomoliance 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