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

District: 6
Federal Reserve Bank of: Atlanta

Filings received during the week ending September 12, 2009

Filer

Filing Type

Filing Proposal

End of Comment Period

BANCO ITAU EUROPA INTERNATIONAL

Other Foreign

Banco Itau Europa International, Miami, Florida, an edge corporation held by Banco Ita� S.A., and I U Participac�es, S.A. , San Paulo, Brazil, to establish a branch in New York, New York.

Newspaper:	10/12/2009
Federal Register:	Not applicable

LADDER CAPITAL FINANCE HOLDINGS LLC

* 3A1

Ladder Capital Finance Holdings LLC, along with Ladder Midco LLC, both of New York, New York, to become bank holding companies by acquiring 100 percent of the outstanding voting shares of FirstCity Bank of Commerce, North Palm Beach, Florida.

Newspaper:	10/11/2009
Federal Register:	10/09/2009

USAMERIBANCORP, INC.

* 3A3

USAmeriBancorp, Inc., Largo, Florida, to acquire 49.7 percent of the outstanding voting shares of Aliant Financial Corporation, and its subsidiary, Aliant Bank, both of Alexander City, Alabama.

Newspaper:	Not available
Federal Register:	09/22/2009

VERITY CAPITAL GROUP, INC.

CIC

After-the-fact change in control notice filed by Richard Franklin Combs, Braselton, Georgia, to retain 26.8 percent of the outstanding shares of Verity Capital Group, Inc., Dahlonega, Georgia, and its subsidiary, Verity Bank, Winder, Georgia.

Newspaper:	09/15/2009
Federal Register:	09/03/2009

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: 6 Federal Reserve Bank of: Atlanta

Filings received during the week ending September 12, 2009

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 6
Federal Reserve Bank of: Atlanta