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

District: 5
Federal Reserve Bank of: Richmond

Filings received during the week ending July 23, 2011

Filer

Filing Type

Filing Proposal

End of Comment Period

BCSB BANCORP, INC.

4c8

BCSB Bancorp, Inc., Baltimore, Maryland, to engage in lending activities.

Newspaper:	Not applicable
Federal Register:	Not available

CAPITAL ONE FINANCIAL CORPORATION

* 4c8

Capital One Financial Corporation, McLean, Virginia, to acquire 100% of the voting securities of ING Bank, FSB, Wilmington, Delaware, and its subsidiaries, Sharebuilder Advisors, LLC Seattle, Washington, and ING Direct Investing, Inc., Seattle, Washington, and thereby engage in the activities related to operating a federal savings bank, investment financial advisory and securities brokerage services.

Newspaper:	Not available
Federal Register:	08/18/2011

FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION

Member

First Federal Bank, Charleston, South Carolina, to become a state member bank upon the charter conversion of First Federal Savings and Loan Association of Charleston.

Newspaper:	Not applicable
Federal Register:	Not applicable

SONABANK

* 18C

Sonabank, McLean, Virginia, to acquire certain assets and assume certain liabilities of the Midlothian, Virginia, branch office of Bank of Hampton Roads, Norfolk, Virginia.

Newspaper:	Not available
Federal Register:	Not applicable

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: 5 Federal Reserve Bank of: Richmond

Filings received during the week ending July 23, 2011

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 5
Federal Reserve Bank of: Richmond