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 November 4, 2006

Filer

Filing Type

Filing Proposal

End of Comment Period

BANCO POPULAR NORTH AMERICA

* Branch

Banco Popular North America, New York, New York to open two new domestic branch, located at 2 South Orange Avenue, Orlando (Orange County), Florida and 8885 S. Dadeland Boulevard, Miami (Miami-Dade County), Florida.

Newspaper:	Not available
Federal Register:	Not applicable

BANCO SANTANDER INTERNATIONAL

Other Foreign

Banco Santander International, Miami, Florida, an indirectly held Edge Corporation of Banco Santander Central Hispano, Madrid, Spain, provided notice to the Board of Governors of the Federal Reserve System of its intention to establish a domestic branch in Los Angeles, California.

Newspaper:	10/13/2006
Federal Register:	Not applicable

FORT ORANGE FINANCIAL CORPORATION

* 3A1

Fort Orange Financial Corp. requests to become a one-bank holding company, pursuant to Section 3(a)1 of the BHC Act, and Section 225.15 of Regulation Y, by acquiring Capital Bank & Trust Company, both of Albany, New York.

Newspaper:	11/02/2006
Federal Register:	11/03/2006

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 November 4, 2006

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 2
Federal Reserve Bank of: New York