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Interpretations and Actions: January 2005

Vol. 18, No. 1

CRA Decisions

Letter No. Topic
125 Application to merge SouthTrust Bank, Birmingham, Alabama, into Wachovia Bank, National Association, Charlotte, North Carolina. (Control Number 2004 ML 02 0010).12/21/2004

Approvals with Conditions Enforceable under 12 U.S.C. 1818

Letter No. Topic
667 Application to establish a new uninsured national trust bank, which will engage solely in fiduciary activities, with the title of ReconTrust Company, National Association, Thousand Oaks. (Control Numbers 2004 NE 01 0010 & 2004 NE 08 025). 12/07/2004
668 Application to convert First United Bank, Englewood, Colorado to a national bank with the title of "First United Bank, National Association" and retain all its branches. (Control Number 2004 NE 01 020). 12/13/2004
669 Application by Commerce Bank, National Association, Cherry Hill, New Jersey, to establish a branch at 2 Wall Street, New York, New York. (Control Number 2004 NE 05 0192). 12/20/2004
670 Application by Borrego Springs Bank, National Association, La Mesa, California to elect the corporate governance provisions of Delaware law and complete a reverse stock split in accordance with those provisions. (Control Number 2004 WE 12 0371). 12/27/2004

Charters with Standard Conditions

Letter No. Topic
671 Application to establish a new national bank with the title of Citizens Bank, National Association, Albany, New York. (Control Number 2004 WE 01 0018). 12/13/2004
672 Application to establish a new national bank with the title of First Heritage Bank, National Association, Newport, Beach, California. (Control Number 2004 WE 01 0019). 12/15/2004

Final Enforcement Actions

Enclosed is a copy of the OCC's news release number 2005-2, announcing the availability of enforcement actions. Copies of the final actions are available by writing to the OCC, Public Information Room, Mail Stop 1-5, Washington, D.C. 20219. When ordering, specify the appropriate enforcement action number.

Community Reinvestment Act (CRA) Performance Evaluations

Enclosed is a list of CRA performance evaluations that became public during the period of December 15, 2004 through January 14, 2005.

PLEASE NOTE: Interpretive Letters and No-Objection Letters reflect the views of the Comptroller's legal staff. Corporate Decisions, CRA Decisions and Conditional Approvals are from the office of Licensing. The Community Development Investment Letters are from the office of Community Affairs. The list of CRA Ratings is from the Communications Division. For copies of the CRA evaluations, you may either contact the bank directly, or you may write to the Office of the Comptroller of the Currency (OCC) in any of three ways: by mail to the OCC, Attn: Public Information Room, Mail Stop 1-5, Washington, D.C. 20219; by fax to (202) 874-4448; or by e-mail to You may also write to the OCC for copies of enforcement actions and charters with standard conditions.

Members of the news media are encouraged to cite the letter number when reporting or summarizing documents from this package. This helps us to process single requests based upon your citation in a timelier manner.

The Office of the Comptroller of the Currency publishes INTERPRETATIONS AND ACTIONS monthly. Subscriptions are available at a rate of $175 per year by writing to the Comptroller of the Currency, ATTN: Accounts Receivable, Mail Stop 4-8, 250 E Street, S.W., Washington, DC 20219. Prepayment is requested. Suggestions, comments or questions may be sent to Jacqueline J. England, Comptroller of the Currency, Communications Division, Mail Stop 3-2, Washington, DC 20219.