Federal Reserve Release, H2, Actions of the Board, its Staff, and the Federal Reserve Banks; Applications and Reports Received

District: 2
Federal Reserve Bank of: New York

Filings received during the week ending January 7, 2006

Filer

Filing Type

Filing Proposal

End of Comment Period

INTERCHANGE BANK

* Branch

Interchange Bank, Saddle Brook, New Jersey, request to open a full service branch located at 8901 Bergenline Avenue, North Bergen, New Jersey.

Newspaper:	01/06/2006
Federal Register:	Not applicable

NEW YORK COMMUNITY BANCORP, INC.

* 3A1
* 3A3

New York Community Bancorp, Inc. and its wholly- owned subsidiary, New York Community Newco, Inc., both of Westbury, NY, to acquire 100 percent of Atlantic Bank of New York, New York, NY, pursuant to Sections 3(a)(3) and 3(a)(1) of the BHC Act.

Newspaper:	Not available
Federal Register:	01/27/2006

RABOBANK INTERNATIONAL HOLDING B.V.

4c8

Rabobank International Holding B.V., Utrecht, The Netherlands, Utrecht-American Holdings, Inc., New York, New York, and VIB Corp, El Centro, California, for prior approval of the Board, pursuant to Section 4(c)(8) of the Bank Holding Company Act of 1956, as amended, to acquire several loans in connection with the acquisition of Central Coast Bancorp, Salinas, California.

Newspaper:	Not applicable
Federal Register:	Not available

State Export-Import Bank of Ukraine, Inc.

FBSEA

Export-Import Bank of Ukraine ("EXIM Bank")Kiev, Ukraine, 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:	Not available
Federal Register:	Not applicable

TRUSTCO BANK CORP NY

4c8
* 3A1

TrustCo Bank Corp NY, Glenville, New York, ("TrustCo"), a savings and loan holding company, application, under Section 3(a)(1) of the BHC Act, to become a bank holding company through the acquisition of Ballston Spa Bancorp, Inc., and its subsidiary Bank, Ballston Spa National Bank, both of Ballston Spa, New York. TrustCo also seeks prior approval to engage in certain nonbanking activities through the retention of its savings association subsidiary, Trustco Bank, pursuant to Section 4(c)(8) of the BHC Act.

Newspaper:	Not available
Federal Register:	01/20/2006

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.

Institution / Location	RSSD ID	Exam Date	CRA Public Date	CRA Rating	Exam Method
NONE

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

District: 2 Federal Reserve Bank of: New York

Filings received during the week ending January 7, 2006

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 2
Federal Reserve Bank of: New York