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Interpretations and Actions: December 2015

Vol. 28, No. 12

CRA Decisions

Letter No. Topic
171 (PDF) Application to merge The Oneida Savings Bank, Oneida, New York, and the State Bank of Chittenango, Chittenango, New York, with and into Community Bank, National Association, Canton, New York (Community) and the acquisition and retention by Community from The Oneida Savings Bank of seven subsidiaries  (Control Numbers:  2014 NE-Combination-142284; 2014-NE-Subs&Equities-14231 & 142315), 11/12/2015

Conditional Approvals

Letter No. Topic
1141 (PDF) Applications by Capital Bank and Trust Company, Irvine, California (Bank) to exercise full fiduciary powers; to merge Capital Guardian Trust Company, a Nevada corporation, Reno, Nevada, with and into Bank; and to purchase certain assets from Capital Guardian Trust Company, Los Angeles, California (Control Numbers:  2014 NE-Fiduciary-144169; 2014-NE-Combination-144211; & 2014-NE-5.53-144168), 11/02/2015
1142 (PDF) Application on behalf of Central Federal Savings and Loan Association of Rolla, Rolla, Missouri, to convert to a Federally chartered stock savings association and to make a capital distribution. (Control Numbers:  2015-HQ-145041), 11/12/2015

Community Reinvestment Act (CRA) Performance Evaluations

See OCC News Release 2015-154 announcing all CRA performance evaluations that became public from November 1, 2015, through November 30, 2015. A search of all public CRA evaluations can be done at

Final Enforcement Actions

See OCC News Release 2015-164 announcing the availability of enforcement actions. All final enforcement actions are searchable at

PLEASE NOTE: Interpretive Letters and No-Objection Letters reflect the views of the Office of the Comptroller of the Currency’s (OCC) legal staff. Corporate Decisions, CRA Decisions and Conditional Approvals are from the office of Licensing Activities. The Community Development Investment Letters are from the office of Community Affairs. The Supervisory Conditions Letters are from the Special Supervision Division. The list of CRA Ratings is from the Communications Division.

You can obtain copies of CRA evaluations or enforcement actions by writing to the Freedom of Information Act Officer, Disclosure Services, Communications Division, OCC, 400 7th Street, SW, Suite 3E-218, Washington, DC 20219. You may also submit a request electronically at the OCC’s online FOIA site, Please provide all identifying information when requesting documents. You may also contact the bank directly for copies of the CRA evaluations.

The OCC publishes INTERPRETATIONS AND ACTIONS monthly. Send suggestions, comments or questions to Jacqueline England, Disclosure Services, Communications Division, OCC, 400 7th Street, SW, Suite 3E-218, Washington, DC 20219.