Office of the Comptroller of the Currency (OCC)

Total Page:16

File Type:pdf, Size:1020Kb

Office of the Comptroller of the Currency (OCC) Office of the Comptroller of the Currency Community Reinvestment Evaluations Coming Due, by State, Fourth Quarter 1998 NOTE:Although most banks are supervised based on geographic location, certain banks are supervised based on size or lead bank location. Those exceptions are indicated on this table by the two letter supervisory office abbreviation in brackets and boldface after the bank name. A list of supervisory offices provides the key to those abbreviations and addresses and telephone numbers. FIRST NATIONAL BANK OF AK ANCHORAGE 10/98 ANCHORAGE FIRST NATIONAL BANK OF AL ALICEVILLE 10/98 CENTRAL ALABAMA THE COMMERCIAL NB OF AL DEMOPOLIS 11/98 DEMOPOLIS AR ARKANSAS NATIONAL BANK BENTONVILLE 10/98 AR FNB OF CONWAY CONWAY 10/98 AR HELENA NATIONAL BANK HELENA 12/98 AR FIRST NATIONAL BANK OF HOPE HOPE 12/98 PLANTERS NATIONAL BANK OF AR HUGHES 12/98 HUGHES AR FIRST COMMERCIAL BANK, N.A. LITTLE ROCK 10/98 AR MORRILTON SECURITY BANK NA MORRILLTON 10/98 FIRST NATIONAL BANK OF AR NASHVILLE 10/98 NASHVILLE AR PINE BLUFF NATIONAL BANK PINE BLUFF 11/98 FIRST NATIONAL BANK OF AR RUSSELLVILLE 10/98 RUSSELLVILLE AR FIRST NATIONAL BANK SEARCY 11/98 AR STATE FIRST NB OF TEXARKANA TEXARKANA 10/98 AZ HOME NATIONAL BANK SCOTTSDALE 10/98 MERCHANTS BANK OF CA CARSON 10/98 CALIFORNIA, N.A. FIRST NB OF CENTRAL CA MONTEREY 11/98 CALIFORNIA CA SOUTH VALLEY NATIONAL BANK MORGAN HILL 11/98 CA PALM DESERT NATIONAL BANK PALM DESERT 12/98 RANCHO SANTA FE NATIONAL RANCHO SANTA CA 12/98 BANK FE CA MONUMENT NATIONAL BANK RIDGECREST 12/98 CO AURORA NATIONAL BANK AURORA 11/98 FIRST NATIONAL BANK OF CO CANON CITY 11/98 CANON CITY FIRST NATIONAL BANK - CO FOWLER 10/98 COLORADO CO FIRST NATIONAL BANK OF HUGO HUGO 11/98 FIRST NATIONAL BANK OF CO JULESBURG 12/98 JULESBURG DE FIRST OMNI BANK NA MILLSBORO 10/98 FL BANK OF BOSTON-FLORIDA, NA BOCA RATON 11/98 SUNTRUST BANK, SOUTH FORT FL 11/98 FLORIDA, NA LAUDERDALE FIRST NATIONAL BANK OF FL LARGO 11/98 FLORIDA FL PELICAN NATIONAL BANK NAPLES 11/98 FL GUARANTY NB OF TALLAHASSEE TALLAHASSEE 10/98 GA SAPELO NATIONAL BANK DORIAN 11/98 FARMERS BANK OF NORTHERN IA CENTERVILLE 10/98 MO, N.A. METROBANK, NATIONAL IA DAVENPORT 11/98 ASSOCIATION IA FIRST NATIONAL BANK GREENFIELD 11/98 IL OLD SECOND N B OF AURORA AURORA 10/98 NATIONAL REPUBLIC BANK OF IL CHICAGO 11/98 CHICAGO PALMER-AMERICAN NB OF IL DANVILLE 10/98 DANVILLE IL NATIONAL BANK OF EARLVILLE EARLVILLE 10/98 IL THE HAVANA NATIONAL BANK HAVANA 10/98 IL FIRST NATIONAL BANK OF LACON LACON 11/98 FIRST MIDWEST BANK, NATIONAL IL MCHENRY 10/98 ASSOCIATION IL NATIONAL BANK OF MONMOUTH MONMOUTH 12/98 IL NATIONAL BANK OF PETERSBURG PETERSBURG 11/98 FIRST NATIONAL BANK OF IL ROSSVILLE 10/98 ROSSVILLE IL DAMEN NATIONAL BANK SCHAUMBURG 10/98 ILLINOIS ONE BANK, NATIONAL IL SHAWNEETOWN 12/98 ASSN. FIRST BANK RICHMOND, IN RICHMOND 11/98 NATIONAL ASSOCIATION THE MERCHANTS NB OF TERRE IN TERRE HAUTE 10/98 HAUTE FIRST NATIONAL BANK IN KS CIMARRONN 10/98 CIMARRON FNB & TRUST CO. OF KS LEAVENWORTH 12/98 LEAVENWORTH THE FIRST NATIONAL BANK OF KS LIBERAL 10/98 LIBERAL KS COMMUNITY NATIONAL BANK TOPEKA 11/98 FARMERS NATIONAL BANK OF KY CYNTHIANA 11/98 CYNTHIANA FARMERS NATIONAL BANK OF KY DANVILLE 10/98 DANVILLE KENTUCKY NATIONAL BANK OF KY PIKEVILLE 10/98 PIKEVILLE PROGRESSIVE NB OF DESOTO LA MANSFIELD 10/98 PARISH MA BANKBOSTON, N.A. BOSTON 10/98 THE FIRST NATIONAL BANK OF MA IPSWICH 12/98 IPSWICH MD THE FIRST N/B OF MD BALTIMORE 10/98 MD CENTREVILLE NB OF MARYLAND CENTREVILLE 11/98 MD COUNTY NATIONAL BANK GLEN BURNIE 12/98 FARMINGTON MI MICHIGAN NATIONAL BANK 10/98 HILL MI WEST MI NB & TRUST FRANKFORT 11/98 MI CAPITOL NATIONAL BANK LANSING 11/98 MI HURON NATIONAL BANK ROGERS CITY 12/98 FIRST NATIONAL BANK OF ST MI ST. IGNACE 10/98 IGNACE FIRST NATIONAL BANK OF MI WAKEFIELD 11/98 WAKEFIELD MN FIRST NATIONAL BANK OF AITKIN AITKIN 10/98 MN FIRST AMERICAN BANK, N.A. ALEXANDRIA 11/98 MN BRAINERD NATIONAL BANK BAXTER 11/98 MN FIRST NB OF CHASKA CHASKA 11/98 FIRST NATIONAL BANK OF MN DEERWOOD 10/98 DEERWOOD MN FIRST AMERICAN BANK, N.A.. DETROIT LAKES 12/98 THE FIRST NATIONAL BANK OF MN FAIRFAX 12/98 FAIRFAX BANK MIDWEST, MINNESOTA MN FAIRMONT 10/98 IOWA, NA MN FIRST MINNESOTA BANK, N.A. GLENCOE 10/98 FIRST NATIONAL BANK OF LE MN LE CENTER 10/98 CENTER FIRST FARMERS & MERCHANTS MN LUVERNE 11/98 NATIONAL BANK FIRST NATIONAL BANK OF MN MENAHGA 10/98 MENAHGA MN HERITAGE NATIONAL BANK NORTH ST. PAUL 12/98 MN COMMUNITY NATIONAL BANK NORTHFIELD 10/98 THE FIRST NATIONAL BANK OF MN WASECA 11/98 WASECA FIRST BUSINESS BANK OF MO KANSAS CITY 11/98 KANSAS CITY NA MO THE FIRST NATIONAL BANK LAMAR 11/98 FIRST NATIONAL BANK OF MO LEE'S SUMMIT 12/98 MISSOURI FIRST NATIONAL BANK OF MO MOUNT VERNON 11/98 MOUNT VERNON MS TRUSTMARK NATIONAL BANK JACKSON 11/98 FIRST NATIONAL BANK OF MS LEXINGTON 10/98 HOLMES CO MS FIRST NATIONAL BANK ROSEDALE 10/98 MS N B OF COMMERCE OF MISSISSIPPI STARKVILLE 11/98 UNITED BANKS, NATIONAL MT ABSAROKEE 12/98 ASSOCIATION MONTANA FIRST NATIONAL MT KALISPELL 10/98 BANK NC FIRST CHARTER NATIONAL BANK CONCORD 11/98 FIRST NATIONAL BANK OF NC SHELBY 11/98 SHELBY ND FIRST AMERICAN BANK, N.A. GRAND FORKS 12/98 ND FIRST AMERICAN BANK, N.A. MINOT 12/98 FIRST NATIONAL BANK & TRUST ND WILLISTON 10/98 CO. OF WILLISTON THE FIRST NATIONAL BANK OF NE CAMBRIDGE 10/98 CAMBRIDGE NE GENOA NATIONAL BANK GENOA 11/98 FIRST NATIONAL BANK NE LYONS 11/98 NORTHEAST NE AMERICAN NATIONAL BANK OMAHA 10/98 1ST HOPE BANK A NATIONAL NJ HOPE 12/98 BANKING ASSOCIATION NJ EQUITY NATIONAL BANK MARLTON 10/98 NJ UNION CENTER NATIONAL BANK UNION 11/98 THE FIRST NATIONAL BANK OF NM CLAYTON 10/98 NEW MEXICO NM VALLEY NATIONAL BANK ESPANOLA 11/98 NY BALLSTON SPA NATIONAL BANK BALLSTON SPA 12/98 CENTRAL NATIONAL BANK, NY CANAJOHARIE 11/98 CANAJOHARIE CITIZENS NATIONAL BANK OF NY MALONE 10/98 MALONE NY ARAB BANK PLC NEW YORK 12/98 NY EXCEL BANK, N.A.. NEW YORK 10/98 TRUSTCO BANK, NATIONAL NY SCHENECTADY 11/98 ASSOCIATION OH FIRST NATIONAL BANK OF BELLEVUE 11/98 BELLEVUE CITIZENS NATIONAL BANK OH CHILLICOTHE 10/98 CHILLICOTHE THE MERCHANTS NATIONAL OH HILLSBORO 10/98 BANK STANDING STONE NATIONAL OH LANCASTER 11/98 BANK OH THE PARK NATIONAL BANK NEWARK 10/98 NATIONAL BANK OF OAK OH OAK HARBOR 10/98 HARBOR OH FIRST NATIONAL BANK ORRVILLE 10/98 OH HOME NATIONAL BANK RACINE 10/98 SECURITY N B AND TRUST OH SPRINGFIELD 12/98 COMPANY FIRST NATIONAL BANK OF OH WELLSTON 11/98 WELLSTON THE FIRST NATIONAL BANK OF OH ZANESVILLE 11/98 ZANESVILLE MCCURTAIN COUNTY NATIONAL OK BROKEN BOW 11/98 BANK FIRST NATIONAL BANK OF OK CHELSEA 11/98 CHELSEA FIRST NATIONAL BANK OF OK HEAVENER 12/98 HEAVENER FIRST NATIONAL BANK, OK HENRYETTA 10/98 HENRYETTA OK IDABEL NATIONAL BANK IDABEL 10/98 FIRST NB & TRUST CO. OF OK MCALESTER 11/98 MCALESTER OK FIRST NATIONAL BANK OF NASH NASH 11/98 OK CHARTER NATIONAL BANK OKLAHOMA CITY 12/98 OK LINCOLN NATIONAL BANK OKLAHOMA CITY 12/98 FIRST NATIONAL BANK IN OK PAWHUSKA 11/98 PAWHUSKA OK PAWNEE NATIONAL BANK PAWNEE 11/98 THE MCCLAIN COUNTY NB OF OK PURCELL 12/98 PURCELL SECURITY NATIONAL BANK OF OK SAPULPA 10/98 SAPULPA TRIAD BANK, NATIONAL OK TULSA 11/98 ASSOCIATION OK FIRST N B & TR CO OF VINITA VINITA 11/98 OK FIRST FARMERS NB OF WAURIKA WAURIKA 11/98 PA NATIONAL PENN BANK BOYERTOWN 10/98 FIRST NATIONAL BANK OF PA CANTON 11/98 CANTON PA FIRST NB OF FREDERICKSBURG FREDERICKSBURG 10/98 THE HONESDALE NATIONAL PA HONESDALE 10/98 BANK PA JIM THORPE NATIONAL BANK JIM THORPE 12/98 PA NATIONAL BANK OF MALVERN MALVERN 11/98 THE NATIONAL BANK OF NORTH PA NORTH EAST 11/98 EAST FIRST NATIONAL BANK OF PA PALMERTON 10/98 PALMERTON PA QUAKERTOWN NATIONAL BANK QUAKERTOWN 12/98 SC THE PEOPLES NATIONAL BANK EASLEY 12/98 SD FINGERHUT NATIONAL BANK SIOUX FALLS 10/98 TN UNION PLANTERS BANK, N.A.. MEMPHIS 10/98 TN SUNTRUST BANK, NASHVILLE, NA NASHVILLE 10/98 TX FIRSTBANK SOUTHWEST, N. A. AMARILLO 10/98 TX WESTERN NATIONAL BANK AMARILLO 12/98 TX COMMERCIAL N B OF BEEVILLE BEEVILLE 12/98 TX COMMERCIAL NATIONAL BANK BRADY 11/98 TX TEXAS PREMIER BANK, NA BROOKSHIRE 10/98 TX FIRST MERCANTILE BANK, N.A.. DALLAS 12/98 TX RESOURCE BANK, N.A. DALLAS 10/98 FIRST NATIONAL BANK OF TX FABENS 11/98 FABENS TX CITIZENS NATIONAL BANK HENDERSON 12/98 LONE STAR BANK, NATIONAL TX HOUSTON 10/98 ASSOCIATION TX TEXAS FIRST NATIONAL BANK HOUSTON 10/98 TX JUNCTION NATIONAL BANK JUNCTION 10/98 TX KILGORE FIRST NATIONAL BANK KILGORE 11/98 THE FIRST LIBERTY NATIONAL TX LIBERTY 10/98 BANK TX LONGVIEW NATIONAL BANK LONGVIEW 10/98 TX LUBBOCK NATIONAL BANK LUBBOCK 10/98 TX LUFKIN NATIONAL BANK LUFKIN 11/98 EAST TEXAS NATIONAL BANK OF TX MARSHALL 10/98 MARSHALL STONE FORT N BANK OF TX NACOGDOCHES 11/98 NACOGDOCHES FIRST NATIONAL BANK OF TX NEWTON 10/98 NEWTON FIRST NATIONAL BANK OF TX PALESTINE 11/98 PALESTINE TX FIRST COMMUNITY BANK, N.A.
Recommended publications
  • 1999-2000 SAR Guide
    A Guide to 1999-2000 SARs and ISIRs APPENDIX C NSLDS FINANCIAL AID HISTORY/NSLDS MATCH FLAGS NSLDS Financial Aid History The “Loan Satisfactory Repayment Arrange- 1999-2000 ments” flag reflects the status of loans with a “DX” (Defaulted, satisfactory arrangements Changes to NSLDS data since previous made including six consecutive monthly pay- Prescreening ments). If this flag is set to “Y” a comment will be included on the SAR/ISIR informing the student and the school of that status, but no “C” flag will An indicator will inform schools where NSLDS be set. information provided on a SAR/ISIR has changed since the last CPS transaction. A “#” sign will Aggregate Amounts for FFELP/Direct Loans print in front of the status field for Overpayments, Defaulted Loans, Discharged Loans, Loan Satis- Section factory Repayment Arrangements, or Active Bankruptcy if there has been a change in that The Unsubsidized Loans field has been deleted status since the last CPS transaction. and replaced with a Combined Loans field, which reflects the total amount of subsidized and The “#” sign will also print in front of the Aggre- unsubsidized loans the student has borrowed. gate Amount for FFELP/Direct Loans, Cumula- This change is consistent with guidance provided tive Perkins Loans, or the 1999-2000 Pell Pay- in Dear Colleague Letter, GEN-97-3, which was ment Data sections when information within that published in May 1997. In addition, the Consoli- section has changed since the last CPS transaction. dated Loans field has been renamed FFEL Con- Finally, a “#” sign will print in front of each solidated Loans, and will only include amounts of reported loan in the Loan Detail section when FFEL Consolidated Loans.
    [Show full text]
  • Small Business Banking Issues
    Comptroller of the Currency Administrator of National Banks Small Business Banking Issues A National Forum Sponsored by the Office of the Comptroller of the Currency Renaissance Washington Hotel Washington, D.C. February 5, 1998 Acknowledgments The Office of the Comptroller would like to express its appreciation to the speakers at the Small Business Banking Issues Forum, whose presentations are summarized here. Appreciation is also extended to the forum attendees, listed in Appendix A of this publication, for their questions, comments, and experiences shared about small business banking. The project was developed to enable bankers and small busi- ness owners to learn about successful programs, techniques, and strategies relevant to small business banking that could be replicated in their own communities. OCC staff contributing to the planning and conduct of the forum included: Janice A. Booker, director, Community Devel- opment Division (CDD); Yvonne McIntire, senior attorney, Community and Consumer Law; Denise Kirk-Murray, commu- nity reinvestment and development specialist, Community and Consumer Policy Division; Alfred T. Mitchell, community development specialist, CDD; Glenda Cross, director, Minority and Urban Affairs; John Turner, national bank examiner, Credit Risk; and Jacquelyn C. Allen, community development specialist, CDD. Lillian M. Long, program coordinator, CD Investments Program, CDD, served as project leader. Adminis- trative assistance was provided by Tawanda Hudge and Lisa Hemphill, CDD. The Communications Division, particularly Amy A. Millen, senior editor, and Rick Progar, publications liaison officer, helped to bring this publication to fruition. The OCC welcomes your comments or questions about this publication. Please write to the Community Development Division, Office of the Comptroller of the Currency, 250 E Street, SW, Washington, DC 20219, or call (202) 874-4940.
    [Show full text]
  • 2016-17 Annual Report of the Michigan State Treasurer
    ANNUAL REPORT Michiganof State the Treasurer 2016-2017 Rick Snyder, Governor | Nick A. Khouri, Treasurer Table of Contents State Treasurer’s Letter of Transmittal ........................................................................................................1 Cash and Investments Schedule 1 State Treasurer’s Common Cash - Assets and Equities ................................................ 2 Schedule 2 Investment Portfolios of Specific Funds ........................................................................3 Schedule 3 Investment Revenues .....................................................................................................4 Notes to Financial Schedules .................................................................................................................6 Cash and Investments ............................................................................................................................8 Table 1 Investment Revenues for Fiscal Years ...........................................................................8 Table 2 Available Month-End Common Cash ............................................................................9 Table 3 Common Cash History ...................................................................................................9 Table 4 State Treasurer’s Common Cash Fund, Cash Balances, and Transactions by Fund ..................................................................................................10 Table 5 Demand Depositories as of September 30, 2017
    [Show full text]
  • First National Bank of America Charter Number: 14740
    LARGE BANK Comptroller of the Currency Administrator of National Banks Washington, DC 20219 Public Disclosure April 24, 2002 Community Reinvestment Act Performance Evaluation First National Bank of America Charter Number: 14740 241 East Saginaw Street East Lansing, Michigan 48826-0980 Office of the Comptroller of the Currency Detroit Field Office Omni Officentre, Suite 411 26877 Northwestern Highway Southfield, Michigan 48034 NOTE: This document is an evaluation of this institution’s record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operation of the institution. This evaluation is not, and should not be construed as, an assessment of the financial condition of this institution. The rating assigned to this institution does not represent an analysis, conclusion, or opinion of the federal financial supervisory agency concerning the safety and soundness of this financial institution. Charter Number: 14740 Table of Contents OVERALL CRA RATING ....................................................................................................................... 2 DEFINITIONS AND COMMON ABBREVIATIONS ........................................................................... 3 DESCRIPTION OF INSTITUTION ........................................................................................................ 6 SCOPE OF THE EVALUATION............................................................................................................ 7 FAIR LENDING
    [Show full text]
  • National Banks Placed in Liquidation, the Names of Succeeding Banks In
    1920 (Volume 2) REPORT OF THE COMPTROLLER OF THE CURRENCY. 31 TABLE NO. 9.—National banks re/ported in liquidation from Nov. 1, 1919, to Oct. SI, 1920, the names, where known, of succeeding banks in cases of successions, together with date of liquidation and capital. Date of Capital. Name and location of bank. liquidation. Commercial National Bank of Oshkosh, Wis. (5557); absorbed by Old Na- tional Bank of Oshkosh, Wis. (title changedtothe Old-Commercial National Bank of Oshkosh) Nov. 1,1919 $200,000 First National Bank of Harriman, Tenn. (4501);succeeded by First & Manu- facturers Bank of Harriman, Tenn Oct. 25,1919 50,000 Manufacturers National Bank of Harriman, Tenn. (4654); succeeded by First & Manufacturers Bank of Harriman, Tenn ....do 75,000 Market National Bank of Cincinnati, Ohio (3642); absorbed by Fifth-Third National Bank of Cincinnati, Ohio July 2,1919 500,000 First National Bank of Fort Meade, Fla. (10386); absorbed by Bank of Fort Meade, Fla Nov. 3,1919 25,000 Third National Bank of Atlanta, Ga. (5030); absorbed by Citizens & Southern Bank of Savannah, Ga Oct. 30,1919 1,000,000 York County National Bank of York Village, Me. (4844); succeeded by York County Trust Co., York Village, Me.. Oct. 31,1919 60,000 American National Bank of Tampa, Fla. (7153); absorbed by Citizens Bank & Trust Co. of Tampa, Fla. (title changed to Citizens-American Bank & Trust Co.) Nov. 22,1919 250,000 Commercial National Bank of Steubenville, Ohio (5039); absorbed by Steuben- yille Bank & Trust Co., Steubenville, Ohio Nov. 24,1919 125,000 First National Bank of Lexington, N.
    [Show full text]
  • ABN AMRO, 1990-Present
    ABN AMRO History Department ABN AMRO, 1990-PRESENT The merger, 1990-1991 On 22 September 1991, the two largest general banks The South American operations of ABN AMRO’s subsidi- in the Netherlands, Algemene Bank Nederland (ABN) ary Hollandsche Bank-Unie were combined with those of and Amsterdam-Rotterdam Bank (Amro), merged. The Banco Real under the name Banco ABN AMRO Real. In resulting company adopted the name ABN AMRO. The the following years, more Brazilian take-overs followed, two principal motives for the merger were to concentrate and the country became the company’s third home market strengths and to scale up business internationally. after the Netherlands and the United States. Multiple take-overs occurred in Europe as well, such as that of the London stockbroking firm Hoare Govett (1992), the Swedish investment bank Alfred Berg (1995) and the centuries-old German private bank Delbrück & Co. (2002), which was merged with BethmannMaffei, an acquisition from 2004. In France Banque Odier Bungener Courvoisier, Banque Demachy and Banque du Phénix were acquired and merged with Banque de Neuflize, Schlumberger, Mallet to become Banque NSMD. After a long and controversial struggle regarding Banca Antonveneta, ABN AMRO acquired a majority stake in this Italian bank at the start of 2006. Barriers to growth An important reason for the creation of ABN AMRO was international strengthening and expansion. This goal was National and international expansion, 1990-2007 energetically pursued with many national and internati- In September 1990, the consumer credit activities in The onal acquisitions, but the company also divested itself Netherlands via intermediaries of the subsidiaries Finata, IDM and Mahuko were brought under a new subsidiary Interbank (sold in 2007).
    [Show full text]
  • News & Insights
    News & Insights Rasul M. Raheem Joins Dykema’s Detroit Office November 8, 2018 Dykema, a leading national law firm, today announced the addition of Rasul M. Raheem to its Financial Services Litigation Practice Group as a Senior Counsel in the firm’s Detroit office. Raheem joins Dykema with nearly 30 years of experience as in-house counsel to banking entities, including serving as Senior Vice President and Assistant General Counsel with Bank of America, as well as time with LaSalle Bank Corp. and Michigan National Bank. Raheem’s practice focuses on business transactions, bank regulatory and compliance, and banking law. He provides legal counsel and advice to senior management regarding finance and lending relationships, credit issues, restructuring and recovery strategies, reputational risk, treasury services, bank policy and regulatory issues, and cyber currency issues, as well as litigation related to financial services disputes. Raheem serves as a member of the Michigan Roundtable for Diversity & Inclusion and was an adjunct professor at Western Michigan University Cooley Law School, where he taught a course on banking and financial institutions law. “Rasul’s reputation in the world of financial services law precedes him,” said Laura Baucus, Leader of Dykema’s Financial Services Litigation Practice Group. “His invaluable experience as in-house with banking organizations will be a great benefit to our financial institutions clients.” Raheem earned a J.D. and an LL.M., in Corporate & Finance Law, from Wayne State University Law School. He also earned a BGS from The University of Michigan. Attorneys Rasul M. Raheem Practice Areas Bankruptcy, Insolvency & Creditors' Rights Financial Services Litigation – Consumer Government Policy & Practice Litigation Industries Financial Industry Group Financial Services Regulatory & Compliance California Illinois Michigan Minnesota Texas Washington, D.C..
    [Show full text]
  • <Type Presentation Title Here>
    NETWORKING AT ITS BEST BANKERS EDUCATION SUMMIT AND TRADE SHOW How To Generate Prudent Loan Growth April 25, 2013 John C. Donnelly Andrew C. Christians, CFA Confidential Table of Contents 1. Where Have We Been?* 2. Where Has This Left Us?* 3. Who Do We Admire?* 4. Techniques for Generating Prudent Loan Growth* 5. Loan Growth Through M&A 6. Summary 7. Donnelly Penman & Partners Bios *Data source utilized throughout presentation – SNL Securities, FDIC 2 Donnelly Penman & Partners Boutique investment banking firm based in Grosse Pointe, Michigan Established in 2000 Specialize in merger advisory, raising capital, and valuation and strategic advisory services Industry concentration in the financial institution and automotive industries Owned by the employees of the firm 3 1. Where Have We Been? 4 Current Macro Issues Facing Community Banks Economic headwinds (domestic and global) Regulatory pressure – particularly compliance Legislative uncertainty (Dodd-Frank still being defined) Improving loan delinquencies and credit costs Limited quality loan growth opportunities and aggressive pricing by nationals and regionals The latter point of loan growth has become a key gating item for community banks as we recover from the Credit Crisis 5 Backdrop to Current Lending Environment Record Low Interest Rates Low Loan Demand Excess Liquidity/Low Yields Fierce Pricing/Fixed Rates/Longer Maturities (10 years) Easing of Loan Covenants/Personal Guarantees Limited quality loan growth opportunities and aggressive pricing by nationals and regionals Community Banks are at a critical juncture on where to seek prudent loan growth 6 Bank Failures Across the Nation FDIC opportunities can offer buyers great opportunities to create shareholder value 7 FDIC Problem List Remains High Despite continued bank failures, the FDIC Problem Institution List has begun to trend downward after not materially changing over the last 2 years, indicating bank failures should subside in 2013, as seen in 2012.
    [Show full text]
  • Rasul M. Raheem Senior Counsel
    Rasul M. Raheem Senior Counsel Detroit 400 Renaissance Center Detroit, MI 48243 T: 313-568-5341 [email protected] Areas Of Practice Bankruptcy, Insolvency & Creditors' Rights Rasul M. Raheem is a senior counsel in Dykema's Detroit office and Litigation member of the Financial Services Practice Group, focusing his practice in the areas of business transactions, regulatory law and banking law. Government Policy & Practice Financial Services Litigation – Mr. Raheem has nearly 30 years of experience as in-house counsel to Commercial Michigan National Bank and LaSalle Bank Corp., with the last nine years Financial Services Litigation – at Bank of America, N.A. He provides legal counsel and advice to senior Consumer management regarding finance and lending relationships, credit issues, restructuring and recovery strategies, reputational risk, treasury services, Cannabis Law bank policy and regulatory issues. He also has experience managing outside counsel, related litigation and legal spend with law firms across Industries the country. Financial Industry Group Mr. Raheem was appointed by the Mayor of the City of Detroit to the Financial Services Regulatory & Detroit Land Bank Authority Board of Directors. He also serves as a Compliance member of the Michigan Roundtable for Diversity & inclusion and as an Commercial Mortgage-Backed adjunct professor at Western Michigan University Cooley Law School, Securities Special Servicer Group where he teaches a course on banking and financial institutions law. Bar Admissions Mr. Raheem has a number of published appellate decisions to his credit, and he is a member of several professional organizations. Michigan, 1984 Court Admissions Experience U.S. District Court, Eastern District ● Represented a middle-market lending group’s $240 million commercial of Michigan loan and real estate portfolio involving industry conglomerates, Major U.S.
    [Show full text]
  • First National Bancorp, Inc
    FIRST NATIONAL BANCORP, INC. A BANK HOLDING COMPANY FOR NOTICE OF ANNUAL MEETING OF SHAREHOLDERS OF FIRST NATIONAL BANCORP, INC. May 9, 2019 NOTICE IS HEREBY GIVEN that the 2019 Annual Meeting of Shareholders of FIRST NATIONAL BANCORP, INC., a Michigan corporation and registered bank holding company, will be held at the Park Club at 219 West South Street, Kalamazoo, Michigan 49007, at 5:00 p.m., on May 9, 2019, to consider and vote upon the following proposals: 1. Election of Daniel E. Bitzer, Eric V. Brown, Jr., Joseph S. Calvaruso, James J. DeKruyter, James S. DeMoss, David G. Echelbarger, James S. Gunderson, David L. Holmes, Benjamin T. Ipema, Larry D. Lueth, Edward B. Montgomery, Sondra K. Phillips, John M. Schreuder, Virginia M. Seyferth and Joshua T. Weiner as directors of First National Bancorp, Inc. for a one year term expiring at the 2020 annual meeting of shareholders. 2. Ratification of the appointment of the independent auditors for the year ending December 31, 2019. We will also transact such other business as may properly come before the meeting or any adjournments thereof. Your Board of Directors recommends that you vote “FOR” all of the named director nominees and “FOR” Proposal 2. April 9, 2019 is the record date for the Annual Meeting. Accordingly, the only persons entitled to notice of and to vote at the Annual Meeting (or any adjournment or postponement of the Annual Meeting) are the persons who were record holders of shares of First National Bancorp, Inc. common stock at the close of business on that date.
    [Show full text]
  • Bank of America
    Bank of America From Wikipedia, the free encyclopedia Jump to: navigation, search Not to be confused with First Bank of the United States, Second Bank of the United States, or Bank of United States. Bank of America Corporation Bank of America logo since January 1, 2002 - now Type Public company NYSE: BAC Dow Jones Industrial Average Traded as Component S&P 500 Component Industry Banking, Financial services Bank America Predecessor(s) NationsBank Founded 1998 (1904 as Bank of Italy)[1] Bank of America Corporate Center Headquarters 100 North Tryon Street Charlotte, North Carolina, U.S. Area served Worldwide Charles O. Holliday (Chairman) Key people Brian T. Moynihan (President & CEO) Credit cards, consumer banking, corporate banking, finance and Products insurance, investment banking, mortgage loans, private banking, private equity, wealth management Revenue US$ 83.33 billion (2012)[2] Operating US$ 3.072 billion (2012)[2] income [2] Net income US$ 4.188 billion (2012) [2] Total assets US$ 2.209 trillion (2012) [2] Total equity US$ 236.95 billion (2012) Employees 272,600 (2012)[2] Bank of America Home Loans, Divisions Bank of America Merrill Lynch Merrill Lynch, U.S. Trust Subsidiaries Corporation Website BankofAmerica.com References: [3] Bank of America Corporation (NYSE: BAC) is an American multinational banking and financial services corporation headquartered in Charlotte, North Carolina. It is the second largest bank holding company in the United States by assets.[4] As of 2010, Bank of America is the fifth- largest company in the United States by total revenue,[5] and the third-largest non-oil company in the U.S.
    [Show full text]
  • Conditional Approval #289 November 1998
    Comptroller of the Currency Administrator of National Banks Washington, DC 20219 Conditional Approval #289 October 2, 1998 November 1998 Mr. John L. Douglas Alston & Bird LLP 1201 West Peachtree Street, N.W. Atlanta, Georgia 30309 Re: Request of Operating Subsidiaries of Various National Banking Associations to Acquire Ownership Interests in CheckFree Corporation through Integrion Financial Network, L.L.C. Application Control Nos. 98-WO-0006 through -0018 and -0021 Dear Mr. Douglas: This is in response to the operating subsidiary application ("Application") submitted on behalf of Bank of America National Trust and Savings Association; Barnett Bank, National Association; NationsBank, National Association; Bank One, National Association; KeyBank National Association; Mellon Bank, N.A.; U.S. Bank National Association; PNC Bank, National Association; Michigan National Bank; The First National Bank of Chicago; Comerica Bank - Ann Arbor, National Association; Fleet National Bank; Citibank, N.A.; and First Union National Bank (collectively, the "Integrion Owner Banks" or “Applicant Banks”).1 Each of these banks owns a membership interest in Integrion Financial Network, L.L.C. ("Integrion") either directly or through direct or indirect wholly-owned operating subsidiaries. 1 The OCC previously granted most of the Integrion Owner Banks approval to invest in Integrion through operating subsidiaries. OCC Conditional Approval No. 221 (December 4, 1996). Recently the OCC has granted approval to Citibank, N.A. (OCC Conditional Approval No. 273 (February
    [Show full text]