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 23, 2009

Filer

Filing Type

Filing Proposal

End of Comment Period

CASTLE CREEK CAPITAL III LLC

* 3A3

Castle Creek Capital Partners III LP, Castle Creek Capital III LLC, Eggemeyer Capital LLC, Ruh Capital LLC, and Legions IV Advisory Corp., all of Rancho Santa Fe, California, to acquire up to 19.9 percent of Guaranty Bancorp, and thereby indirectly its subsidiary, Guaranty Bank and Trust Company, both of Denver, Colorado.

Newspaper:	06/11/2009
Federal Register:	06/11/2009

FRANKLIN RESOURCES, INC.

* 3A3

Franklin Resources, Inc., San Mateo, California, to acquire 9.90 percent of Black River BancVenture, Inc., Memphis, Tennessee, and thereby indirectly acquire Allegiance Bank of North America, Bala Cynwyd, Pennsylvania, Bay Commercial Bank, Walnut Creek, California, Community Shores Bank, Muskegon, Michigan, Cornerstone Bank, Moorestown, New Jersey, Lakeside Community Bank, Sterling Heights, Michigan, and Quaint Oak Bank, Southhampton Pennsylvania.

Newspaper:	Not available
Federal Register:	Not available

HERITAGE BANK OF COMMERCE

* 18C
* Branch

Heritage Bank of Commerce, San Jose, California, to purchase the assets and assume the liabilities of two branches of Wachovia Bank, N.A., Charlotte, North Carolina.

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
HERITAGE BK OF CMRC, SAN JOSE, CALIFORNIA	2209553	01/20/2009	05/04/2009	S	Large Bank

CRA Examinations scheduled for Third Quarter of 2009 (July 1, 2009 - September 30, 2009)

Institution	Location
HOME VALLEY BK	GRANTS PASS, OREGON
OAK VALLEY CMNTY BK	OAKDALE, CALIFORNIA
PACIFIC CMRC BK	LOS ANGELES, CALIFORNIA
PIERCE CMRL BK	TACOMA, WASHINGTON
SAN JOAQUIN BK	BAKERSFIELD, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act

District: 12 Federal Reserve Bank of: San Francisco

Filings received during the week ending May 23, 2009

Availability of CRA Public Evaluations

CRA Examinations scheduled for Third Quarter of 2009 (July 1, 2009 - September 30, 2009)

District: 12
Federal Reserve Bank of: San Francisco