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 19, 2005

Filer

Filing Type

Filing Proposal

End of Comment Period

BANK OF THE FEDERATED STATES OF MICRONESIA

FBSEA

Bank of the Federated States of Micronesia, Kolonia, Pohnpei, Federated States of Micronesia, to establish a limited service non-insured branch in Honolulu, Hawaii, pursuant to section 7(d)of the International Banking Act, and section 211.24(a)(1) of Regulation K.

Newspaper:	Not available
Federal Register:	Not applicable

COMMUNITY BANCSHARES, INC.

3A1

Community Bancshares, Inc., Kingman, Arizona, to become a bank holding company by acquiring 100 percent of Mission Bank, Kingman, Arizona.

Newspaper:	Not applicable
Federal Register:	Not applicable

Oregon Coast Bancshares, Inc.

* 3A1

Oregon Coast Bancshares, Inc., Newport, Oregon, to become a bank holding company by acquiring 100 percent of Oregon Coast Bank, Newport, Oregon.

Newspaper:	Not available
Federal Register:	Not available

PACIFIC MERCANTILE BANK

* Branch

Pacific Mercantile Bank, Costa Mesa, California, to establish a branch facility at 31601 Avenida Los Cerritos, Suite 100, San Juan Capistrano, California.

Newspaper:	11/17/2005
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
FIRST UT BK, SALT LAKE CITY, UTAH	207872	06/20/2005	11/07/2005	S	Small Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

District: 12 Federal Reserve Bank of: San Francisco

Filings received during the week ending November 19, 2005

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 12
Federal Reserve Bank of: San Francisco