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

District: 5
Federal Reserve Bank of: Richmond

Filings received during the week ending November 20, 2010

Filer

Filing Type

Filing Proposal

End of Comment Period

FA CAPITAL, LLC

* 3A3

FA Capital, LLC. and Community Bank Investors of America, L.P., both located in Richmond, Virginia, to retain 9.86% of the voting securities of ICB Financial, Ontario, California.

Newspaper:	11/26/2010
Federal Register:	Not available

MONARCH BANK

* Branch

Monarch Bank, Chesapeake, Virginia, to establish a branch to be located at 4629 N. Croatan Highway, Kitty Hawk, North Carolina

Newspaper:	12/03/2010
Federal Register:	Not applicable

ROYAL BANK OF CANADA

4c8

Royal Bank of Canada, Montreal, Canada, to indirectly acquire BlueBay Asset Management USA LLC, Darien, Connecticut, through BlueBay Asset Management plc, London, England, and to engage in financial and investment advisory activities.

Newspaper:	Not applicable
Federal Register:	12/06/2010

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 First Quarter of 2011 (January 1, 2011 - March 31, 2011)

Institution	Location
BANK OF CLARKE CTY	BERRYVILLE, VIRGINIA
BANK OF FLOYD	FLOYD, VIRGINIA
BANK OF THE COMMONWEALTH	NORFOLK, VIRGINIA
CNB	CENTREVILLE, MARYLAND
HOMETOWN BK	ROANOKE, VIRGINIA
NBRS FNCL BK	RISING SUN, MARYLAND
SHORE BK	ONLEY, VIRGINIA
UNITED BK	FAIRFAX, VIRGINIA
UNITED BK	PARKERSBURG, WEST VIRGINIA
VIRGINIA BUS BK	RICHMOND, VIRGINIA
VIRGINIA HERITAGE BK	FAIRFAX, VIRGINIA

* Subject to the provisions of the Community Reinvestment Act

District: 5 Federal Reserve Bank of: Richmond

Filings received during the week ending November 20, 2010

Availability of CRA Public Evaluations

CRA Examinations scheduled for First Quarter of 2011 (January 1, 2011 - March 31, 2011)

District: 5
Federal Reserve Bank of: Richmond