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Interpretations and Actions: November 2005

Vol. 18, No. 11

CRA Decisions

Letter No. Topic
127 Application for the proposed merger of State Financial Bank, National Association, Hales Corner, Wisconsin, with and into Associated Bank, National Association, Green Bay, Wisconsin. (Control Number 2005 CE 02 0018), 09/14/2005

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

Letter No. Topic
705 Application to convert Enterprise Bank, Kenilworth, New Jersey, to a national bank to be titled "Enterprise National Bank N.J.," Kenilworth, New Jersey. (Control Number 2005 NE 01 0005), 10/03/2005
706 Application of JPMorgan Chase Bank, New York, New York, to convert to a national banking association, JPMorgan Chase Bank, N.A. (Control Number 2004 ML 01 0004), 10/06/2005
707 Application by Idaho Trust National Bank, Coeur d'Alene, Idaho, for expansion of services. (Control Number 2005 WE 12 0203), 10/14/2005
708 Application to convert Legg Mason Trust, fsb, Baltimore, Maryland into a limited purpose national trust bank, to be titled Legg Mason Trust Company, National Association." (Control Number 2005 NE 01 007), 10/17/2005
709 Application to merge The First National Bank of Fremont, Fremont, Indiana into its nonbank affiliate, American Heritage Banco, Inc. (Control Number 2005 WO 12 0017), 10/25/2005

Final Enforcement Actions

Enclosed is a copy of the OCC's news release number 2005-114, 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 October 15, 2005 through November 14.

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.