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 September 10, 2011

Filer

Filing Type

Filing Proposal

End of Comment Period

ADIRONDACK TRUST COMPANY EMPLOYEE STOCK OWNERSHIP TRUST, THE

* 3A3

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga Springs, New York, to acquire fifty additional shares of 473 Broadway Holding Corporation and to acquire one thousand five hundred additional shares of The Adirondack Trust Company, both of Saratoga Springs, New York.

Newspaper:	Not available
Federal Register:	Not available

INVESTORS BANCORP, MHC

* 4c8

Investors Bancorp, MHC and Investors Bancorp, Inc., both of Short Hills, New Jersey, providing notice pursuant to Section 4(c)(8) of the BHC Act and Section 225.24 of Regulation Y, to acquire BFS Bancorp, MHC, Brooklyn Federal Bancorp, Inc. and Brooklyn Federal Savings Bank, all of Brooklyn, New York and thereby operate a savings association.

Newspaper:	Not available
Federal Register:	09/28/2011

MANUFACTURERS AND TRADERS TRUST COMPANY

* Branch

Manufacturers and Trust Company, Buffalo, New York, to establish a branch office located at 4 High Ridge Park, City of Stamford, Fairfield County, Connecticut.

Newspaper:	09/20/2011
Federal Register:	Not applicable

RBC DEXIA INVESTOR SERVICES BANK S.A.

FBSEA

RBC Dexia Investor Services Bank S.A., Esch-sur-Alzette, Luxembourg, to establish a representative office in New York, New York, pursuant to Section 10(a) of the International Banking Act, as amended, and Section 211.24(a)(1) of Regulation K.

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: 2 Federal Reserve Bank of: New York

Filings received during the week ending September 10, 2011

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 2
Federal Reserve Bank of: New York