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 November 17, 2012

Filer

Filing Type

Filing Proposal

End of Comment Period

ADIRONDACK TRUST COMPANY, THE

Premises

The Adirondack Trust Company, Saratoga Springs, New York, provides notice to increase its investment in bank premises, pursuant to Section 24A of the Federal Reserve Act and Section 208.21 of Regulation H.

Newspaper:	Not applicable
Federal Register:	Not applicable

COMMUNITY BANK SYSTEM, INC.

4c8

Community Bank System, Inc., DeWitt, New York, to establish BPAS Trust Company of Puerto Rico, Inc., San Juan, Puerto Rico thereby forming a limited purpose trust company and engaging in non-depository employee benefit trust services and activities under Section 225.28(b)(5) of Regulation Y.

Newspaper:	Not applicable
Federal Register:	Not applicable

MANUFACTURERS AND TRADERS TRUST COMPANY

* Branch

Manufacturers and Traders Trust Company, Buffalo, New York, to establish a branch office located at 4 High Ridge Park, City of Stamford, Fairfield County, Connecticut. (RSSD ID 4325774)

Newspaper:	11/21/2012
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

* Subject to the provisions of the Community Reinvestment Act

District: 2 Federal Reserve Bank of: New York

Filings received during the week ending November 17, 2012

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 2
Federal Reserve Bank of: New York