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 November 24, 2012

Filer

Filing Type

Filing Proposal

End of Comment Period

FNB BANCORP

CIC

Notice by Thomas Galt Atwood, Glen Ellen, California, and Cypress Abbey Company, Colma, California, to retain 10 percent or more of the outstanding shares of capital stock of FNB Bancorp, and thereby indirectly retain 10 perent or more of the voting shares of First National Bank of Northern California, both of South San Francisco, California.

Newspaper:	Not available
Federal Register:	10/30/2012

MALAGA FINANCIAL CORPORATION

CIC

Notice of Change in Control by Barbara Marie Kershaw, Newport Beach, California, to retain her controlling interest of approximately 17.1% of the voting common stock of Malaga Financial Corporation and thereby indirectly Malaga Bank, FSB, both of Palos Verdes Estates, California.

Newspaper:	Not available
Federal Register:	11/21/2012

RBB BANCORP

CIC

Interagency Notice of Change in Control by Dr. Ruey Chry Kao, Je Tsu Kao, Daniel J. Kao & Linda Lee Kao, Christina Koa, Min-Hwan Kao & Yu-Fan C. Kao and related family members all of Las Vegas, Nevada, to acquire 10 percent or more of the voting shares of RBB Bancorp, and thereby indirectly acquire voting shares of Royal Business Bank, both of Los Angeles, California.

Newspaper:	Not available
Federal Register:	Not available

RBB BANCORP

CIC

Interagency Notice of Change in Control by Louis C. Chang, Su Cheng C. Chang, Peter Chang, Ellen Chang, and related family members all of Los Alamitos, California, to retain 10 percent or more of the voting shares of RBB Bancorp and thereby indirectly retain 10 percent or more of the voting shares of Royal Business Bank, both of Los Angeles, California.

Newspaper:	Not available
Federal Register:	Not available

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
ALTAPACIFIC BK, SANTA ROSA, CALIFORNIA	3453737	07/30/2012	11/15/2012	S	Small Bank
BANK OF THE ORIENT, SAN FRANCISCO, CALIFORNIA	777366	01/30/2012	05/30/2012	S	Large Bank
WESTAMERICA BK, SAN RAFAEL, CALIFORNIA	697763	04/09/2012	10/23/2012	S	Large Bank

CRA Examinations scheduled for First Quarter of 2013 (January 1, 2013 - March 31, 2013)

Institution	Location
EAST WEST BK	PASADENA, CALIFORNIA
FIRST UT BK	SALT LAKE CITY, UTAH
GOLD CANYON BK	GOLD CANYON, ARIZONA
PRESIDIO BK	SAN FRANCISCO, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act

District: 12 Federal Reserve Bank of: San Francisco

Filings received during the week ending November 24, 2012

Availability of CRA Public Evaluations

CRA Examinations scheduled for First Quarter of 2013 (January 1, 2013 - March 31, 2013)

District: 12
Federal Reserve Bank of: San Francisco