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 October 6, 2012

Filer

Filing Type

Filing Proposal

End of Comment Period

CHINA CONSTRUCTION BANK CORPORATION

FBSEA

China Construction Bank Corporation, Beijing, People's Republic of China, to establish a branch in San Francisco, California, pursuant to Section 211.24 of Regulation K.

Newspaper:	11/03/2012
Federal Register:	Not applicable

ELMIRA SAVINGS BANK

* Branch

Elmira Savings Bank, Elmira, New York to establish a branch office located at 404 South Hamilton Street, Suites 420 and 422, Village of Painted Post, Stueben County, New York.

Newspaper:	10/11/2012
Federal Register:	Not applicable

HABIB AMERICAN BANK

CIC

Notice by Muhammad Habib and Hamza Habib, to retain a controlling interest in Maham Beteiligungsgessellschaft AG, Zurich, Switzerland, and thereby indirectly retain control of Habib American Bank, New York, New York.

Newspaper:	10/16/2012
Federal Register:	10/17/2012

M&T BANK CORPORATION

* 18C
* 4c8

M&T Bank Corporation, Buffalo, New York, and Wilmington Trust Corporation, Wilmington, Delaware, to acquire Hudson City Bancorp, Inc. and thereby indirectly acquire Hudson City Savings Bank, FSB, both of Paramus, New Jersey, and thereby operate a savings association. Manufacturers and Traders Trust Company, Buffalo, New York, to merge with Hudson City Savings Bank, FSB.

Newspaper:	Not available
Federal Register:	10/27/2012

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
ALDEN ST BK, ALDEN, NEW YORK	414102	12/06/2010	10/01/2012	S	Small Bank

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 October 6, 2012

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 2
Federal Reserve Bank of: New York