Daily Rules, Proposed Rules, and Notices of the Federal Government


[No. 2012-N-XX]

Federal Home Loan Bank Members Selected for Community Support Review

AGENCY: Federal Housing Finance Agency.
ACTION: Notice.
SUMMARY: The Federal Housing Finance Agency (FHFA) is announcing the Federal Home Loan Bank (Bank) members it has selected for the 2010 seventh round review cycle under the FHFA's community support requirements regulation. This notice also prescribes the deadline by which Bank members selected for review must submit Community Support Statements to FHFA.
DATES: Bank members selected for the review cycle under the FHFA's community support requirements regulation must submit completed Community Support Statements to FHFA on or before November 5, 2012.
ADDRESSES: Bank members selected for the 2010 seventh round review cycle under the FHFA's community support requirements regulation must submit completed Community Support Statements to FHFA either by hard-copy mail at the Federal Housing Finance Agency, Ninth Floor, Housing Mission and Goals (DHMG), 400 Seventh Street SW., Washington, DC 20024, or by electronic mail
FOR FURTHER INFORMATION CONTACT: Rona Richardson, Administrative Office Manager, Housing Mission and Goals (DHMG), Federal Housing Finance Agency, by telephone at 202-649-3224, by electronic mail,or by hard-copy mail at the Federal Housing Finance Agency, Ninth Floor, 400 Seventh Street SW., Washington, DC 20024.

I. Selection for Community Support Review

Section 10(g)(1) of the Federal Home Loan Bank Act (Bank Act) requires FHFA to promulgate regulations establishing standards of community investment or service Bank members must meet in order to maintain access to long-term advances.See12 U.S.C. 1430(g)(1). The regulations promulgated by FHFA must take into account factors such as the Bank member's performance under the Community Reinvestment Act of 1977 (CRA), 12 U.S.C. 2901et seq.,and record of lending to first-time homebuyers.See12 U.S.C. 1430(g)(2). Pursuant to section 10(g) of the Bank Act, FHFA has promulgated a community support requirements regulation that establishes standards a Bank member must meet in order to maintain access to long-term advances, and review criteria FHFA must apply in evaluating a member's community support performance.See12 CFR part 1290. The regulation includes standards and criteria for the two statutory factors—CRA performance and record of lending to first-time homebuyers. 12 CFR 1290.3. Only members subject to the CRA must meet the CRA standard. 12 CFR 1290.3(b). All members, including those not subject to CRA, must meet the first-time homebuyer standard. 12 CFR 1290.3(c).

Under the rule, FHFA selects approximately one-eighth of the members in each Bank district for community support review each calendar quarter. 12 CFR 1290.2(a). FHFA will not review an institution's community support performance until it has been a Bank member for at least one year. Selection for review is not, nor should it be construed as, any indication of either the financial condition or the community support performance of the member.

Each Bank member selected for review must complete a Community Support Statement and submit it to FHFA by the November 5, 2012 deadline prescribed in this notice. 12 CFR 1290.2(b)(1)(ii) and (c). On or before October 5, 2012, each Bank will notify the members in its district that have been selected for the 2010 seventh round community support review cycle that they must complete and submit toFHFA by the deadline a Community Support Statement. 12 CFR 1290.2(b)(2)(i). The member's Bank will provide a blank Community Support Statement Form (OMB No. 2590-0005), which also is available on the FHFA's Web site: request, the member's Bank also will provide assistance in completing the Community Support Statement.

FHFA has selected the following members for the 2010 seventh round community support review cycle:

Federal Home Loan Bank of Boston—District 1 First New England Federal Credit Union East Hartford Connecticut. Bankers' Bank Northeast Glastonbury Connecticut. Ledge Light Federal Credit Union Groton Connecticut. Prudential Bank & Trust, FSB Hartford Connecticut. Connex Credit Union North Haven Connecticut. Dime Bank Norwich Connecticut. Eastern Federal Bank Norwich Connecticut. Workers Federal Credit Union Stafford Springs Connecticut. Connecticut Community Bank, N.A Westport Connecticut. 360 Federal Credit Union Windsor Locks Connecticut. Seaboard Federal Credit Union Bucksport Maine. NorState Federal Credit Union Madawaska Maine. Norway Savings Bank Norway Maine. University Credit Union Orono Maine. Sebasticook Valley Federal Credit Union Pittsfield Maine. Infinity Federal Credit Union Portland Maine. New Dimensions Federal Credit Union Waterville Maine. Avon Co-operative Bank Avon Massachusetts. Belmont Savings Bank Belmont Massachusetts. Industrial Credit Union Boston Massachusetts. Bridgewater Savings Bank Bridgewater Massachusetts. Eastern Corporate Federal Credit Union Burlington Massachusetts. Polish National Credit Union Chicopee Massachusetts. Boston Firefighters Credit Union Dorchester Massachusetts. Fall River Municipal Credit Union Fall River Massachusetts. Holbrook Co-operative Bank Holbrook Massachusetts. Lenox National Bank Lenox Massachusetts. Enterprise Bank and Trust Company Lowell Massachusetts. M/A-Com Federal Credit Union Lowell Massachusetts. Luso Federal Credit Union Ludlow Massachusetts. Brotherhood Credit Union Lynn Massachusetts. Digital Federal Credit Union Marlborough Massachusetts. Melrose Co-operative Bank Melrose Massachusetts. The Village Bank Newton Massachusetts. Northmark Bank North Andover Massachusetts. Luso-American Credit Union Peabody Massachusetts. Quincy Credit Union Quincy Massachusetts. Bridgewater Credit Union Raynham Massachusetts. Sharon Credit Union Sharon Massachusetts. Winter Hill Bank, FSB Somerville Massachusetts. The Braintree Co-Operative Bank South Braintree Massachusetts. MassMutual Federal Credit Union Springfield Massachusetts. Taunton Federal Credit Union Taunton Massachusetts. RTN Federal Credit Union Waltham Massachusetts. Webster First Federal Credit Union Webster Massachusetts. Westport Federal Credit Union Westport Massachusetts. Mutual Federal Savings Bank of Plymouth County Whitman Massachusetts. Winchester Savings Bank Winchester Massachusetts. AllCom Credit Union Worcester Massachusetts. Commerce Bank & Trust Company Worcester Massachusetts. Bellwether Community Credit Union Manchester New Hampshire. Members First Credit Union of New Hampshire Manchester New Hampshire. Pawtucket Credit Union Pawtucket Rhode Island. Bank of America Rhode Island, N.A Providence Rhode Island. Centreville Savings Bank West Warwick Rhode Island. Community National Bank Derby Vermont. New England Federal Credit Union Williston Vermont. Federal Home Loan Bank of New York—District 2 Affinity Federal Credit Union Bedminster New Jersey. Liberty Bell Bank Cherry Hill New Jersey. Grand Bank, National Association Hamilton New Jersey. Enterprise National Bank New Jersey Kenilworth New Jersey. Central Jersey Bank, National Association Long Branch New Jersey. Hudson City Savings Bank Paramus New Jersey. Harvest Community Bank Pennsville New Jersey. Roselle Savings Bank Roselle New Jersey. Bank of Akron Akron New York. Capital Bank & Trust Company Albany New York. Marathon National Bank of New York Astoria New York. Seneca Federal Savings & Loan Association Baldwinsville New York. Bethpage Federal Credit Union Bethpage New York. Putnam County Savings Bank Brewster New York. First American International Bank Brooklyn New York. Carthage Federal Savings & Loan Association Carthage New York. Community Bank, National Association Dewitt New York. Lake Shore Savings Bank Dunkirk New York. American Community Bank Glen Cove New York. Alternatives Federal Credit Union Ithaca New York. CFCU Community Credit Union Ithaca New York. Bank Leumi USA New York New York. Interaudi Bank New York New York. Metropolitan National Bank New York New York. Progressive Credit Union New York New York. Shinhan Bank America New York New York. Gotham Bank of New York New York City New York. Hudson Heritage Federal Credit Union Newburgh New York. Oceanside Christopher Federal Credit Union Oceanside New York. The North Country Savings Bank Ogdensburg New York. Alliance Bank, National Association Oneida New York. Hudson Valley Federal Credit Union Poughkeepsie New York. Ridgewood Savings Bank Ridgewood New York. Reliant Community Credit Union Sodus New York. Hamptons State Bank Southampton New York. Empower Federal Credit Union Syracuse New York. Geddes Federal Savings & Loan Association Syracuse New York. Northern Federal Credit Union Watertown New York. Hudson Valley Bank, National Association Yonkers New York. Bank of St. Croix, Inc. Christiansted Virgin Islands. HSBC Bank USA, National Association McLean Virginia. Federal Home Loan Bank of Pittsburgh—District 3 AIG Federal Savings Bank Wilmington Delaware. People First Federal Credit Union Allentown Pennsylvania. Meridian Bank Berwyn Pennsylvania. Embassy Bank For The Lehigh Valley Bethlehem Pennsylvania. Bucks County Bank Doylestown Pennsylvania. The Fidelity Deposit and Discount Bank Dunmore Pennsylvania. Lafayette Ambassador Bank Easton Pennsylvania. First Resource Bank Exton Pennsylvania. Huntingdon Savings Bank, PASA Huntingdon Pennsylvania. Huntingdon Valley Bank Huntingdon Valley Pennsylvania. Jonestown Bank and Trust Company Jonestown Pennsylvania. Commercial Bank and Trust of Pennsylvania Latrobe Pennsylvania. Susquehanna Bank Lititz Pennsylvania. The National Bank of Malvern Malvern Pennsylvania. Gateway Bank of Pennsylvania McMurray Pennsylvania. Members 1st Federal Credit Union Mechanicsburg Pennsylvania. The First National Bank of Mercersburg Mercersburg Pennsylvania. Swineford National Bank Middleburg Pennsylvania. Milton Savings Bank Milton Pennsylvania. Royal Bank America Narberth Pennsylvania. First National Bank & Trust Company of Newtown Newtown Pennsylvania. East River Bank Philadelphia Pennsylvania. Port Richmond Savings Philadelphia Pennsylvania. Ukrainian Selfreliance Federal Credit Union Philadelphia Pennsylvania. United Savings Bank Philadelphia Pennsylvania. Fidelity Bank, PaSB Pittsburgh Pennsylvania. Quaint Oak Bank Southampton Pennsylvania. Citadel Federal Credit Union Thorndale Pennsylvania. TruMark Financial Credit Union Trevose Pennsylvania. Penn Liberty Bank Wayne Pennsylvania. Merck, Sharp & Dohme Federal Credit Union West Point Pennsylvania. Affinity Bank of Pennsylvania Wyomissing Pennsylvania. STAR USA Federal Credit Union Charleston West Virginia. The United Federal Credit Union Morgantown West Virginia. One Community Credit Union Parkersburg West Virginia. Jefferson Security Bank Shepherdstown West Virginia. West Virginia Federal Credit Union South Charles West Virginia. Federal Home Loan Bank of Atlanta—District 4 First National Bank of Central Alabama Aliceville Alabama. Red Mountain Bank Birmingham Alabama. Secure First Credit Union Birmingham Alabama. SevisFirst Bank Birmingham Alabama. SouthPoint Bank Birmingham Alabama. Premier Bank of the South Cullman Alabama. Farmers Exchange Bank Louisville Alabama. First Metro Bank Muscle Shoals Alabama. Hometown Bank of Alabama Oneonta Alabama. Farmers and Merchants Bank Piedmont Alabama. First Bank of The South Rainsville Alabama. West Alabama Bank & Trust Reform Alabama. Bank Independent Sheffield Alabama. First Southern State Bank Stevenson Alabama. State Bank and Trust Winfield Alabama. EuroBank Boca Raton Florida. Paradise Bank Boca Raton Florida. First America Bank Bradenton Florida. Sunrise Bank Cocoa Beach Florida. Biscayne Bank Coconut Grove Florida. Nature Coast Bank Crystal River Florida. Community Bank of Broward Dania Beach Florida. Mainstreet Community Bank of Florida Deland Florida. Englewood Bank Englewood Florida. First Community Bank of Southwest Florida Fort Myers Florida. Reliance Bank, FSB Fort Myers Florida. Beach Community Bank Fort Walton Beach Florida. The Oculina Bank Fort Pierce Florida. American Enterprise Bank of Florida Jacksonville Florida. Jacksonville Firemen's Credit Union Jacksonville Florida. Keys Federal Credit Union Key West Florida. Achieva Credit Union Largo Florida. City County Credit Union of Fort Lauderdale Margate Florida. Lafayette State Bank Mayo Florida. Florida Bus Bank Melbourne Florida. BAC Florida Bank Miami Florida. Executive National Bank Miami Florida. Great Florida Bank Miami Florida. U.S. Century Bank Miami Florida. Alarion Bank Ocala Florida. Tyndall Federal Credit Union Panama City Florida. Sunshine State Federal Savings & Loan Association Plant City Florida. Freedom Bank of America St. Petersburg Florida. Pilot Bank Tampa Florida. Tampa Bay Federal Credit Union Tampa Florida. Patriot Bank Trinity Florida. First Choice Credit Union West Palm Beach Florida. Flagler Bank West Palm Beach Florida. CenterState Bank of Florida, National Association Winter Haven Florida. Atlanta Business Bank Atlanta Georgia. First National Bank of Decatur County Bainbridge Georgia. Hamilton State Bank Braselton Georgia. Hometown Community Bank Braselton Georgia. Atlantic National Bank Brunswick Georgia. Flint River National Bank Camilla Georgia. First National Bank of Polk County Cedartown Georgia. Southern Bank and Trust Clarkesville Georgia. Mountain Valley Community Bank Cleveland Georgia. First Madison Bank & Trust Colbert Georgia. PeoplesSouth Bank Colquitt Georgia. Synovus Bank Columbus Georgia. Southeastern Bank Darien Georgia. Farmers State Bank Dublin Georgia. Heritage Bank Jonesboro Georgia. Legacy State Bank Loganville Georgia. Highland Commercial Bank Marietta Georgia. George D. Warthen Bank Sandersville Georgia. Waycross Bank & Trust Waycross Georgia. PlantersFirst Cordele Georgia. Aberdeen Proving Ground Aberdeen Maryland. The Harbor Bank of Maryland Baltimore Maryland. Educational Systems Employees Federal Credit Union Bladensburg Maryland. CNB Centreville Maryland. First Peoples Community Federal Credit Union Cumberland Maryland. Freedom of Maryland Federal Credit Union East-Aberdeen Maryland. Howard Bank Ellicott City Maryland. Washington Telephone Federal Credit Union Kensington Maryland.
Congressional Bank Potomac Maryland. Capital Bank, National Association Rockville Maryland. Energy Federal Credit Union Rockville Maryland. National Institute of Health Federal Credit Union Rockville Maryland. Farmers and Merchants Bank Upperco Maryland. The Farmers Bank of Willards Willards Maryland. Bank of Commerce Charlotte North Carolina. Latino Community Credit Union Durham North Carolina. Four Oaks Bank & Trust Company Four Oaks North Carolina. Nantahala Bank & Trust Company Franklin North Carolina. Alliance Bank Trust Company Gastonia North Carolina. Premier Federal Credit Union Greensboro North Carolina. Parkway Bank Lenoir North Carolina. Bank of Carolinas Mocksville North Carolina. North State Bank Raleigh North Carolina. Roanoke Rapids Savings Bank, SSB Roanoke Rapids North Carolina. Providence Bank Rocky Mount North Carolina. Jackson Savings Bank, SSB Sylva North Carolina. Tarboro Savings Bank, SSB Tarboro North Carolina. Security Federal Bank Aiken South Carolina. First Citizens Bank and Trust Company, Inc Columbia South Carolina. South Carolina Community Bank Columbia South Carolina. Dedicated Community Bank Darlington South Carolina. Independence National Bank Greenville South Carolina. Palmetto State Bank Hampton South Carolina. Heritage Community Bank Hartsville South Carolina. CoastalStates Bank Hilton Head South Carolina. Tidelands Bank Mount Pleasant South Carolina. Palmetto Heritage Bank & Trust Pawleys Island South Carolina. Highlands Union Bank Abingdon Virginia. Burke & Herbert Bank & Trust Company Alexandria Virginia. Common Wealth One Federal Credit Union Alexandria Virginia. Hew Federal Credit Union Alexandria Virginia. The First National Bank of Altavista Altavista Virginia. Arlington Virginia Federal Credit Union Arlington Virginia. Bank of Clarke County Berryville Virginia. Sonabank, National Association Charlottesville Virginia. URW Community Federal Credit Union Danville Virginia. Bank of Floyd Floyd Virginia. Trupoint Bank Grundy Virginia. MainStreet Bank Herndon Virginia. The First Bank and Trust Company Lebanon Virginia. Central Virginia Federal Credit Union Lynchburg Virginia. The Bank of Marion Marion Virginia. River Community Bank, N.A Martinsville Virginia. Virginia Company Bank Newport News Virginia. Northern Star Credit Union, Inc Portsmouth Virginia. WashingtonFirst Bank Reston Virginia. HomeTown Bank Roanoke Virginia. Member One Federal Credit Union Roanoke Virginia. Essex Bank Tappahannock Virginia. Bank @LANTEC Virginia Beach Virginia. The Fauquier Bank Warrenton Virginia. Dupont Community Credit Union Waynesboro Virginia. Federal Home Loan Bank of Cincinnati—District 5 Auburn Banking Company Auburn Kentucky. Heritage Bank Burlington Kentucky. United Citizens Bank of Southern Kentucky Columbia Kentucky. Elkton Bank & Trust Company Elkton Kentucky. First Federal Savings Bank of Frankfort Frankfort Kentucky. Kentucky Employees Credit Union Frankfort Kentucky. Commercial Bank of Grayson Grayson Kentucky. The First National Bank of Grayson Grayson Kentucky. 1st Trust Bank, Inc Hazard Kentucky. Hyden Citizens Bank Hyden Kentucky. Citizens Guaranty Bank Irvine Kentucky. Citizens Bank & Trust Company Jackson Kentucky. Lewisburg Banking Company Lewisburg Kentucky. Kue Federal Credit Union Lexington Kentucky. University of Kentucky Federal Credit Union Lexington Kentucky. First National Bank & Trust London Kentucky. Kemba Louisville Credit Union Louisville Kentucky. Louchem Federal Credit Union Louisville Kentucky. Republic Bank & Trust Company Louisville Kentucky. River City Bank Louisville Kentucky. Stock Yards Bank & Trust Company Louisville Kentucky. Citizens Bank Morehead Kentucky. Kentucky Bank Paris Kentucky. PBK Bank, Inc Richmond Kentucky. Citizens Union Bank of Shelbyville Shelbyville Kentucky. United Bank & Trust Company Versailles Kentucky. Bank of The Mountains, Inc West Liberty Kentucky. Alliance Banking Company Winchester Kentucky. Winchester Federal Bank Winchester Kentucky. North Akron Savings Bank Akron Ohio. Ohio University Credit Union Athens Ohio. Baltic State Bank Baltic Ohio. Bartlett Farmers Bank Bartlett Ohio. Best Reward Credit Union Brook Park Ohio. Cinco Family Financial Center Credit Union Cincinnati Ohio. Foundation Bank Cincinnati Ohio. New Horizons Credit Union, Inc Cincinnati Ohio. The Cincinnatus Savings & Loan Company Cincinnati Ohio. KeyBank, National Association Cleveland Ohio. Columbus Metro Federal Credit Union Columbus Ohio. MidState Educators Credit Union Columbus Ohio. Western Credit Union, Inc. Columbus Ohio. The Union Bank Company Columbus Grove Ohio. Emerald Bank Dublin Ohio. Powerco Credit Union Gahanna Ohio. First Service Federal Credit Union Groveport Ohio. Hardin Community Federal Credit Union Kenton Ohio. Day Air Credit Union Kettering Ohio. The Marblehead Bank Marblehead Ohio. Marion Community Credit Union Marion Ohio. Lake National Bank Mentor Ohio. River Valley Credit Union Miamisburg Ohio. CES Credit Union, Inc Mount Vernon Ohio. Miami University Community Federal Credit Union Oxford Ohio. Desco Federal Credit Union Portsmouth Ohio. Glass City Federal Credit Union Toledo Ohio. First Place Bank Warren Ohio. Seven Seventeen Credit Union Warren Ohio. The First National Bank of Wellston Wellston Ohio. Twin Valley Bank West Alexandria Ohio. Woodsfield Savings Bank Woodsfield Ohio. Alcoa Tennessee Federal Credit Union Alcoa Tennessee. FSG Bank, National Association Chattanooga Tennessee. Southeast Financial Credit Union Franklin Tennessee. Sumner Bank & Trust Gallatin Tennessee. Heritage Community Bank Greeneville Tennessee. American Security Bank & Trust Company Hendersonville Tennessee. Community Bank of the Cumberlands Jamestown Tennessee. American Trust Bank of East Tennessee Knoxville Tennessee. Knoxville TVA Employees Credit Union Knoxville Tennessee. UT Federal Credit Union Knoxville Tennessee. Citizens Bank of Lafayette Lafayette Tennessee. Peoples Bank of the South LaFollette Tennessee. First National Bank Lenoir City Tennessee. First Commerce Bank Lewisburg Tennessee. Peoples Bank & Trust Company Manchester Tennessee. Security Federal Savings Bank McMinnville Tennessee. McKenzie Banking Company McKenzie Tennessee. Homeland Community Bank McMinnville Tennessee. Financial, FSB Memphis Tennessee. Landmark Community Bank Memphis Tennessee. Community National Bank of the Lakeway Area Morristown Tennessee. Bank of Fayette County Moscow Tennessee. Civic Bank & Trust Nashville Tennessee. InsBank Nashville Tennessee. Nashville Bank and Trust Company Nashville Tennessee. Bank of Ripley Ripley Tennessee. Hardin County Bank Savannah Tennessee. Peoples State Bank of Commerce Trenton Tennessee. Ascend Federal Credit Union Tullahoma Tennessee. First State Bank Union City Tennessee. Cheyenne State Bank Cheyenne Wyoming. Federal Home Loan Bank of Indianapolis—District 6 Bloomfield Savings Bank Bloomfield Indiana. Members Choice Federal Credit Union Bloomington Indiana. Community State Bank Brook Indiana. Hendricks County Bank & Trust Company Brownsburg Indiana. State Bank Burnettsville Burnettsville Indiana. First Farmers Bank & Trust Company Converse Indiana. Bank of Indiana, National Association Dana Indiana. Evansville Federal Credit Union Evansville Indiana. Pinnacle Credit Union Fort Wayne Indiana. Professional Federal Credit Union Fort Wayne Indiana. STAR Financial Bank Fort Wayne Indiana. Springs Valley Bank & Trust Company French Lick Indiana. The Garrett State Bank Garrett Indiana. Eli Lilly Federal Credit Union Indianapolis Indiana. First Internet Bank of Indiana Indianapolis Indiana. Farmers State Bank of Mentone Mentone Indiana. Citizens Bank Mooresville Indiana. Tri-County Bank & Trust Company Roachdale Indiana. Advance Financial Federal Credit Union Schererville Indiana. Teachers Credit Union South Bend Indiana. Home National Bank of Thorntown Thorntown Indiana. Merchants Bank & Trust Company West Harrison Indiana. Centier Bank Whiting Indiana. University of Michigan Credit Union Ann Arbor Michigan. Cornerstone Community Financial Federal Credit Union Auburn Hills Michigan. Genisys Credit Union Auburn Hills Michigan. FinancialEdge Community Credit Union Bay City Michigan. The Blissfield State Bank Blissfield Michigan. Byron Bank Byron Center Michigan. CSB Bank Capac Michigan. Exchange State Bank Carsonville Michigan. Central Macomb Community Credit Union Clinton Towns Michigan. Sou