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

District: 10
Federal Reserve Bank of: Kansas City

Filings received during the week ending October 7, 2006

Filer

Filing Type

Filing Proposal

End of Comment Period

COLORADO BANK AND TRUST COMPANY OF LA JUNTA, THE

* Branch

Colorado Bank & Trust Company, La Junta, Colorado, to establish a mobile branch to operate out of the branch located at 23051 East U.S. Highway 50, Pueblo, Colorado.

Newspaper:	10/15/2006
Federal Register:	Not applicable

COMMERCE BANKSHARES, INC.

CIC

Notification by Sandra Freund, Littleton, Colorado, and Duane M. Freund, Denver, Colorado, as co-trustees of the Michael R. Freund Irrevocable Trust #2; and Ali S. Freund, and Lewis L. Johnson, both of Denver, Colorado, as co-trustees of the Duane M. Freund Irrevocable Trust #2; to retain control of Commerce Bankshares, Inc., parent of Commerce Bank, both in Aurora, Colorado.

Newspaper:	10/16/2006
Federal Register:	10/10/2006

FIRST MIAMI BANCSHARES, INC.

* 3A3

First Miami Bancshares, Miami, Oklahoma, to acquire up to 100 percent of the voting shares of Bank of Billings, Billings, Missouri.

Newspaper:	10/20/2006
Federal Register:	10/30/2006

UNITED BANK & TRUST

* 18C
* Branch

United Bank & Trust, Marysville, Kansas, to purchase certain assets and assume certain liabilities of the Manhattan, Kansas branch of Armed Forces Bank, N.A., Fort Leavenworth, Kansas, and incident thereto, to establish a branch.

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

District: 10 Federal Reserve Bank of: Kansas City

Filings received during the week ending October 7, 2006

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 10
Federal Reserve Bank of: Kansas City