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

District: 12
Federal Reserve Bank of: San Francisco

Filings received during the week ending January 12, 2008

Filer

Filing Type

Filing Proposal

End of Comment Period

AMERICAN SECURITY BANK

* Branch

American Security Bank, Santa Ana, California, to establish a branch facility at 16020 Apple Valley Road, Apple Valley, California.

Newspaper:	01/18/2008
Federal Register:	Not applicable

COMMUNITY BANK OF NEVADA

* Branch

Community Bank of Nevada, Las Vegas, Nevada, to establish branch facilities at: 1) 2510-2530 St. Rose Parkway, Henderson, Nevada; and 2) at the northeast corner of Craig Road and Losee Road, North Las Vegas, Nevada.

Newspaper:	01/25/2008
Federal Register:	Not applicable

NHB HOLDINGS, INC.

4c8

NHB Holdings, Inc., and Proficio Mortgage Ventures, LLC, both of Jacksonville, Florida, to engage de novo in a joint venture with TheMIGroup Mortgage Resources, Whippany, New Jersey, in conducting mortgage banking activities, pursuant to section 4(c)(8) of the Bank Holding Company Act and section 225.28(b)(1) of Regulation Y.

Newspaper:	Not applicable
Federal Register:	Not available

SIERRA BANCORP

CIC

Notice by Patricia Childress, Visalia, California, and Carol Bates, Porterville, California, to increase their holdings to 11.29 percent of Sierra Bancorp and thereby indirectly control its subsidiary, Bank of the Sierra, both of Poterville, California.

Newspaper:	Not available
Federal Register:	01/17/2008

WESTERN CAPITAL CORPORATION

* 3A1

Western Capital Corporation, Boise, Idaho, to become a bank holding company by acquiring 100 percent of Western Capital Bank (In Organization), Boise, Idaho; and GWY, LLC, Bellevue, Washington, to become a bank holding company by indirectly acquiring, at least 64 percent of Western Capital Bank (In Organization), Boise, Idaho.

Newspaper:	Not available
Federal Register:	02/01/2008

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

* Subject to the provisions of the Community Reinvestment Act

District: 12 Federal Reserve Bank of: San Francisco

Filings received during the week ending January 12, 2008

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 12
Federal Reserve Bank of: San Francisco