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Interpretations and Actions: October 2008

Vol. 21, No. 10

Corporate Decisions

Letter No. Topic
2008-04 Application of National Bank of Arizona, Tucson, Arizona, to purchase certain assets of and assume certain liabilities from Nevada State Bank, Las Vegas, Nevada, which immediately beforehand acquired those assets and liabilities from the Federal Deposit Insurance Corporation (FDIC) as receiver of Silver State Bank, Henderson, Nevada (Control Number 2008 WE 02 0013), 09/05/2008
2008-05 Applications for JPMorgan Chase Bank, National Association, Columbus, Ohio (JPMCB), to acquire assets and liabilities from Washington Mutual Bank, Henderson, Nevada (WMB), and to merge Washington Mutual Bank FSB, Park City, Utah (WMB/FSB), a subsidiary of WMB, into JPMCB; and the Chase USA, National Association, Newark, Delaware to acquire from JPMCB certain of the assets and liabilities that JPMCB acquire from WMB (Control Number 2008 ML 02 0011 - 0013), 09/25/2008

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

Letter No. Topic
875 Application to establish a new national bank with the title of "StoneCrest National Bank," headquartered in Austin, Texas (Control Number 2008 SO 01 0006), 09/05/2008
876 Application to establish a new national bank with the title of "Trident National Bank" headquartered in Atlanta, Georgia (Control Number 2008 SO 01 0004), 09/10/2008
877 Application to establish a new national bank with the title of "Emergent National Bank," headquartered in Winter Park, Florida (Control Number 2008 SO 01 0002), 09/17/2008
878 Application to establish a new national bank with the title of "Platinum Bank & Trust, National Association" headquartered in Morristown, New Jersey (Control Number 2008 NE 01 008), 09/17/2008
879 Application by Community Bank, National Association, Canton, New York to purchase certain assets and assume certain liabilities of eighteen New York branches of RBS Citizens, National Association, Providence, Rhode Island (Control Number 2008 NE 02 020), 09/17/2008
880 Application to convert Morgan Stanley Bank, Salt Lake City, Utah to a national banking association to be called "Morgan Stanley Bank, National Association" (Control Number 2008 ML 01 0009), 09/21/2008
881 Notice of Change in Bank Control involving Community Bank of Orange, National Association," Middleton, New York (Control Number 2008 NE 11 0001), 09/22/2008

Final Enforcement Actions

Enclosed is a copy of the OCC's news release number 2008-123, 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 September 15, 2008 through October 14, 2008.

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.