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 May 12, 2007

Filer

Filing Type

Filing Proposal

End of Comment Period

AMERICAN HERITAGE HOLDINGS

* 3A1

American Heritage Holdings to become a bank holding company by acquiring 100 percent of Borrego Springs Bank, N.A., both of La Mesa, California.

Newspaper:	Not available
Federal Register:	Not available

EAST WEST BANK

* 18C
* Branch

East West Bank, Pasadena, California, to merge with Desert Community Bank, Victorville, California, and thereby acquire 10 branch offices.

Newspaper:	06/04/2007
Federal Register:	Not applicable

FRANKLIN RESOURCES, INC.

* 4c8

Franklin Resources, Inc., San Mateo, California, to retain 5.03 percent of Hudson City Bancorp, Inc., and thereby indirectly retain its subsidiary, Hudson City Savings Bank, FSB, both of Paramus, New Jersey.

Newspaper:	05/07/2007
Federal Register:	06/05/2007

FRANKLIN RESOURCES, INC.

4c8

Franklin Resources, Inc., San Mateo, California, to retain 5.04 percent of TrustCo Bank Corp NY, Glenville, New York, a Federal Savings Bank, pursuant to section 4(c)(8) of the Bank Holding Company Act and section 225.28(b)(4) of Regulation Y.

Newspaper:	Not applicable
Federal Register:	06/05/2007

MANHATTAN BANCORP

* 3A1

Manhattan Bancorp to become a bank holding company by acquiring 100 percent of Bank of Manhattan, N.A. (In Organization), both of El Segundo, California.

Newspaper:	05/25/2007
Federal Register:	05/21/2007

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: 12 Federal Reserve Bank of: San Francisco

Filings received during the week ending May 12, 2007

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 12
Federal Reserve Bank of: San Francisco