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FDIC Federal Register Citations
FDIC Federal Register Citations

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Regulatory Capital Rules: Regulatory Capital, Implementation of Basel III, Minimum Regulatory Capital Ratios, Capital Adequacy, Transition Provisions, and Prompt Corrective Action

12 CFR Parts 324, 325, and 362 (RIN 3064–AD95) Proposed Rule - PDF

Comment Period End:  October 22, 2012

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Comments and Staff Disclosures Applicable to AD95, AD96, and AD97
01. Integrity Bank, Wabasso, MN, Dianne Hinsch - PDF
02. Eagle Bank, Glenwood, MN, Erick Gandrud - PDF
03. Magnolia Bank, Hodgenville, KY, Ron Sanders - PDF
04. Farmers Trust and Savings Bank, Spencer, IA, David Woodcock - PDF
05. The Peoples Bank, Iva, SC, Michael Robinson - PDF
06. Bank of Botetourt Troutville, VA, Michelle Crook - PDF, Supplement Comment - PDF
07. Commercial Bank and Trust Company, Paris, TN, Mott Ford - PDF
08. VisionBank, Topeka, KS, Gary Yager - PDF (2)
09. Franklin Bank & Trust Company, Franklin, KY, Gary Broady - PDF
10. Bank of Ash Grove, Ash Grove, MO, Mike McCorkill - PDF
11. Union State Bank of Hazen, Charles Stroup - PDF
12. Gulf Coast Bank & TRust Company, Guy Williams - PDF
13. Riverside Bank, Little Rock, AR, Stephen Davis - PDF
14. River Valley Bank, Wausau, WI, Glendon, Peterson - PDF, Supplement Comment - PDF (3)
15. First Federal Bank, FSB, Kansas City, MO, Clarence Zugelter - PDF
16. Peoples Bank, Tulsa, OK, David Johnson - PDF
17. First American Bank and Trust Company Athens, GA. Robert Heath - PDF
18. Union State Bank, Florence, TX, Ree Fraley - PDF
19. Farmers State Bank, Groesbeck, TX, Jim Bohls - PDF
20. Texas Brand Bank, Garland TX, William Lowe - PDF
21. Firstbank Corporation, Alma, MI, William Goggin, Thomas Dickinson, David Fultz, Jeff Gardner, Edward Grant, Samuel Smith, Thomas Sullivan, and Samuel Stone - PDF
22. Texas Bank, Henderson, TX, Gene McCauley - PDF
23. TexStar National Bank, Universal City, TX, Byron Bexley - PDF
24. People's Bank, Tulsa, OK, David K. Johnson - PDF
25. PBK Bank, Stanford, KY, Justin Poynter - PDF (35)
26. Avidia Bank, Hudson, MA, Fred Williams - PDF
27. Carolina Bank, Greensboro, NC, Robert Braswell - PDF
28. Avenue Bank, Nashville, TN, Ronald Samuels - PDF
29. First National Bank of Bastrop, Bastrop, TX, Robert Berryhill - PDF
30. West Texas State Bank, Snyder, TX, Mark Williamson - PDF
31. First State Bank of Hallsville, Hallsville, TX, Jon Ruff - PDF
32. First State Bank, Yoakum, TX, Dennis Kutach - PDF
33. Richland State Bank, Rayville, LA, Jerome Vascocu - PDF
34. Cashmere Valley Bank, Cashmere, WA, Kenneth Martin, Jennifer Cravens - PDF
35. First Financial Bankshares, Inc., Abilene TX, J. Bruce Hildebrand - PDF (4)
36. The Baraboo National Bank, Baraboo, WI, Merlin Zitzner - PDF
37. Staff Disclosure: Meeting with ABA
38. Staff Disclosure: Meeting with ABA
39. First Federal Bank of Kansas City, Kansas City, MO, Michael A. Sidebottom - PDF
40. The Peoples Bank Co., Coldwater, OH, Jack A Hartings - PDF
41. Classic Bank, Cameron, TX, Richard Earl Williams, Jr. - PDF
42. Granite Falls Bank, Granite Falls, MN, P. Stephen Lindholm - PDF
43. Moody National Bank, Galveston, TX, Katherine Rodriguez - PDF
44. People's Bank, Cuba, MO, Jim Barnett, Jr. - PDF
45. Canon National Bank, Canon City, CO, Alla Tormohlen - PDF
46. Prairie Sun Bank of Milan and Appleton, Appleton, MN, Kari Torgerhagen - PDF
47. First National Bank of Bastrop, Bastrop, TX, Reid Sharp, PDF
48. First Security Bank, Canby MN, Mark Greenway - PDF
49. AimBank, Levelland, TX, Rhonda Bird - PDF
50. AimBank, Levelland, TX, Rhonda Bird - PDF
51. AimBank, Levelland, TX, Rhonda Bird - PDF
52. Valley State Bank, Russellville, AL, Jim H. Davis - PDF
53. First State Bank of Middlebury, Middlebury, IN Greg Krider - PDF
54. American National Bankshares Inc. and American National Bank & Trust Company, Danville, VA, William Traynham - PDF
55. Choice Financial, Langdon, ND, Jeff Kram - PDF
56. Choice Financial Group, Lisa Artz - PDF
57. First Community Bank, Batesville, AR, Bart Simmons - PDF
58. Denison State Bank, Holton, KS, Steven Bowser - PDF, Supplement Comment - PDF
59. Valley Bank & Trust Co., Gering, NE, John Stinner - PDF
60. United Bank & Trust, Ann Arbor, MI, Robert Chapman and Randal Rabe- PDF
61. Metropolitan Bank, Ridgeland, MS, Gregory Barron - PDF
62. Cornhusker Bank in Lincoln, NE, Perry Haralson - PDF
63. Pioneer Bank of Wisconsin, Ladysmith, WI, James Loe - PDF
64. First Financial Bank, Abilene, TX, Mike Denny - PDF
65. Patterson State Bank, Patterson, LA, Bill Marin - PDF
66. Oconee State Bank, Watkinsville, Georgia, B. Amrey Harden - PDF
67. Sandler O'Neill + Partners, L.P., New York, NY, Sandler O’Neill - PDF
68. Gothenburg State Bank, Gothenburg, NE, Matt Williams - PDF
69. Denver Savings Bank, Denver, IA, Dennis Brandt - PDF, Supplement Comment - PDF
70. 1st STATE BANK of Sauk Centre, Sauk Centre, MN, Scott Beuning  - PDF
71. Patterson State Bank, Patterson, LA, Peter J. Lipari - PDF
72. Pinnacle Bank, Rogers, AR, Wade Ruckle - PDF
73. Central Bank, Little Rock, AR, Wade Ruckle - PDF
74. National Bankers Association, Washington, DC, Mike Grant - PDF
75. First Financial Bankshares, Inc., Abilene, TX, David Copeland - PDF
76. First Financial Bank, Abilene, TX, Ron Butler - PDF
77. Ridgestone Bank, Brookfield, WI, Bruce Lammers - PDF
78. Ridgestone Bank, Brookfield, WI, Bruce Lammers - PDF
79. The Home Loan Savings Bank, Mt. Vernon, OH, Brandon Hayes - PDF
80. Timberwood Bank, Tomah, WI, Kevin Ravenscroft - PDF
81. Inter-State Federal Savings and Loan Association, Kansas City, KS, Richard T. Merker - PDF
82. The Savings Bank, Wakefield, MA, Brian McCoubrey - PDF
83. Bank of Dixon County, Ponca, NE, John Kingsbury - PDF, Supplement Comment - PDF, Supplement Comment - PDF
84. Mid-Missouri Bank, Mt. Vernon, MO, David Burnett - PDF
85. Century Bank, Santa Fe, NM, Bryan Chippeaux - PDF
86. Four Corners Community Bank, Farmington, NM, Roger LaHart - PDF
87. First Financial Bankshares, Inc., Abilene, TX, John Moore - PDF
88. State Bank of Table Rock, Roca, NE, Rick Kunze - PDF
89. Fidelity Federal Savings and Loan Association, Delaware, OH, Tina Casto - PDF
90. Shamrock Bank N.A., Coalgate, OK, Donalda Manion - PDF
91. First State Bank Valliant, OK, Tristan Brown - PDF
92. First Security Bank, Renville, MN, Bennett Hillesheim - PDF
93. First Enterprise Bank, Oklahoma City, OK, Joan Stephenson - PDF
94. First State Bank Valliant, OK, Kelley Thompson - PDF
95. Canton State Bank, Canton, MO, Tommy Lay - PDF
96. West Texas State Bank, Odessa, TX, Josh McKeever - PDF
97. Seacoast Commerce Bank, San Diego, CA, Richard Sanborn - PDF
98. American Exchange Bank, Henryetta, OK, Terri Thompson - PDF
99. Gothenburg State Bank, Gothenburg, NE, Michael Hilderbrand - PDF
100. Iowa-Nebraska State Bank, South Sioux City, NE, Ronald Bowden - PDF
101. State Bank of Toulon, Toulon, IL, Douglas Parrott - PDF
102. Southern First Bancshares, Inc., Cayce, SC, F. Justin Strickland - PDF
103. Ohio Valley Bank, Gallipolis, OH, Jeffrey Smith - PDF
104. Citizens Bank & Trust, Guntersville, AL, Charles Williams - PDF
105. United Bank, Grand Rapids MI, Arthur Johnson and Mark Wild - PDF
106. 1st Bank Yuma, Yuma, AZ, Terry Frydenlund - PDF (2)
107. Tri-Parish Bank, Eunice, LA, Kent Guidry - PDF
108. The Private Bank of California, Los Angeles, CA, David Misch - PDF
109. Peapack-Gladstone Bank, Bedminster, NJ, Finn Caspersen, Jr. - PDF
110. ATBancorp, Dubuque, IA, John Marshall - PDF
111. First United Bank, Lubbock, TX, David Blackburn - PDF
112. Security Federal Savings Bank, Logansport, IN, Annette Russell - PDF
113. Platte Valley Bank, Platte City, MO, Doug Gutshall - PDF, Supplement Comment - PDF
114. Black River Country Bank, Black River Falls, WI, Robert Becker - PDF
115. North Shore Bank of Commerce, Duluth, MN, Doug Lewis - PDF
116. Wood & Huston Bank, Marsahll, MO, Barry Randolph - PDF
117. The Village Bank, St. Libory, IL, Kathy Cook - PDF
118. Farmers Trust and Savings Bank, Spencer, IA, David Woodcock, - PDF
119. South Ottumwa Savings Bank, Ottumwa, IA, Thomas M. Awtry - PDF, Supplement Comment - PDF
120. Ridgestone Bank, Schaumburg, IL, Bruce Lammers - PDF
121. Ridgestone Bank, Schaumburg, IL, Bruce Lammers - PDF
122. First Security Bank, Benson, MN, Marlys Bone - PDF
123. First National Bank/First Frankfort Insurance, Frankfort, KS, Jay Kennedy - PDF, 1st Supplement Comment - PDF
124. Security Bank of the Ozarks, Eminence, MO, Glen B. Williams - PDF
125. Logan County Bank, Scranton, AR, Gary Fritsche - PDF
126. RSNB Bank, Rock Springs, WY, Heather Anderson - PDF
127. Valliance Bank Oklahoma City, OK, Brad Swickey - PDF
128. Woodsboro Bank, Woodsboro, MD, C. Richard Miller, Jr. - PDF
129. Welch State Bank, Welch OK, Jay Victor - PDF
130. The First National Bank of Park Falls, Park Falls, WI, Tom Armstrong - PDF
131. Georgia Bank & Trust, Augusta, GA, Wendy Bradley - PDF
132. Pilot Grove Savings Bank, Pilot Grove, IA, Hanna Kieler - PDF (2)
133. Valley Republic Bank, Bakersfield, CA, Stephen Annis - PDF
134. Cornerstone Bank, York, NE, Dana M. Matzner - PDF
135. Grinnell State Bank, Grinnell, IA, David A. Jones - PDF
136. American Exchange Bank, Henryetta, OK, Kent Pharaoh - PDF
137. JoAnn W. Bunten, Brookfield, MO - PDF
138. Alliance Bank, Francesville, IN, Terry L Stevens - PDF
139. TruPoint Bank, Grundy, VA, Rebecca Elkins - PDF
140. Bank of New Hampshire, Laconia, NH, K. Mark Primeau - PDF
141. Decorah Bank & Trust Company, Decorah, IA, Ben Grimstad - PDF
142. Guaranty Bank & Trust Company, Belzoni, MS, Huey Townsend - PDF
143. Bank of the West, Grapevine, TX, H. Gary Blankenship - PDF
144. Security Federal Savings Bank, McMinnville, TN, Joe Pugh - PDF
145. Merchants & Planters Bank, Bolivar, TN, Charles Newell - PDF
146. Harleysville Savings Bank, Harleysville, PA, Brendan McGill - PDF
147. Lakeside State Bank, New Town, ND, Gary Petersen - PDF
148. Minnesota Bankers Association, Eden Prairie, MN, Craig Foss, Supplement Comment - PDF
149. First Commercial Bank, Jackson, MS, Alan Walters - PDF
150. First City Bank, Columbus, Ohio, Douglas Simson - PDF
151. American Heritage Bank, Sapulpa, OK, Steven Burrus - PDF, Supplement Comment - PDF
152. Stockmans Bank, Altus, OK, Rick Holder - PDF
153. Farmers State Bank, Maywood, NE, Chad Johnston - PDF
154. First Iowa State Bank, Albia, IA, Melissa Ballard - PDF (2)
155. Lincoln County Bancorp, Inc., Troy, MO, Scott Hufty - PDF
156. Watford City Bancshares, INC, Erik Stenehjem - PDF
157. First Iowa Bank, Albia, IA, Daniel Stocker - PDF
158. Vision Bank, Ada OK, James Hamby - PDF
159. Commerce State Bank, West Bend, WI, Joyce Zirtzlaff - PDF
160. Austin Bank, Jacksonville, TX, Jeff Austin - PDF
161. Community National Bank & Trust, Chanute, KS, Markus Miller - PDF
162. Peoples Bank, Rock Valley, IA, Lynn Van Beek - PDF
163. Horizon Bank, Michigan City, IN, Thomas Edwards - PDF
164. Citizens Bank of Ada, Ada, OK, Brigette Jones - PDF, Supplement Comment - PDF
165. Harleysville Savings Bank, Harleysville, PA, Ron Geib - PDF
166. Citizens Bank, New Haven, MO, Nadine Pruessner - PDF
167. Systemic Risk Council, Washington, DC, Sheila Bair - PDF
168. Calhoun County Bank, Grantville, WV, James Bennett - PDF
169. Farmers & Merchants State Bank, Waterloo, WI, William Campbell - PDF
170. Passumpsic Savings Bank, St. Johnsbury, VT, Peter Crosby - PDF
171. First Resource Bank, Exton, PA , Glenn Marshall - PDF, Supplement Comment - PDF (7)
172. Highland Bank, Minnetonka, MN, Rick Wall - PDF
173. Peoples Bank, Mendenhall, MS, Alison Blanton - PDF, Supplement Comment - PDF (2)
174. CorTrust Bank, Sioux Falls, SD, Jack Hopkins - PDF
175. Tensas State Bank, Newellton, LA , Roxanne James - PDF
176. Oregon Pacific Bank, Florence, OR, Joanne Forsberg - PDF
177. Palmetto Bancshares, Inc. and The Palmetto Bank, Greenville, SC, Samuel Erwin - PDF
178. Peoples Bank, Mendenhall, MS, Dennis Ammann - PDF (2), Supplement Comment - PDF
179. Cassandra Hudson, WV - PDF (6)
180. First State Bank, Joplin, MO, Tim Woodall - PDF
181. Success Bank, Bloomfield, IA, Brad Woolard - PDF
182. Success Bank, Bloomfield IA, Dan Thompson - PDF
183. Farmers National Bank of Griggsville, Griggsville, IL, Douglas Smith - PDF
184. Bank of Monticello, Monticello, MO, Chad Porter - PDF, Supplement Comment - PDF
185. Community State Bank, Royal Center IN, Joseph Carlson - PDF
186. Pinnacle Financial Partners, Inc., Nashville, TN, Harold Carpenter - PDF
187. Home State Bank, Louisville, NE, David Pankonin - PDF
188. The Farmers and Merchants Bank, Boswell, IN , D. Grant Whaley - PDF
189. NorthEast Community Bank, White Plains, NY, Linda Swan - PDF
190. American Savings Bank, Portsmouth OH, Michael Gampp - PDF
191. Wolf River Community Bank, Hortonville, WI, Joseph Peikert - PDF
192. Texas Heritage Bank, Boerne, TX, Jack Griggs - PDF
193. Bank of Charles Town, Charles Town, WV, John Burns, Jr. - PDF, Supplement Comment - PDF
194. Badger Bank, Fort Atkinson, WI, Steven Dehnert - PDF
195. First National Bank of Bosque County, Valley Mills, TX, John Gilliam -PDF
196. The Eastern Colorado Bank, Colorado Springs, CO, Cassidy Mitchell - PDF
197. Virginia Ratliff, WV - PDF
198. First Southern National Bank, Stanford, KY, W. Tommy Roberts - PDF
199. Western Bank, Alamogordo, NM, Dion Kidd-Johnson - PDF
200. State Bank of Herscher, Herscher, IL, Mary Jane Down - PDF
201. Horizon Bank, Michigan City, IN, Mark Secor - PDF
202. Northway Bank/Northway Financial, Inc., Berlin, NH, Richard Orsillo - PDF
203. Franklin State Bank, Franklin, MN, Scott Nissen - PDF
204. Putnam Bank, Putnam, CT, Thomas Borner - PDF
205. James Polk Stone Community Bank, Portales, NM, Richard Bradfute - PDF, Supplement Comment - PDF (41)
206. First Missouri Bank, Brookfield, MO, Carl Bunten - PDF
207. First Missouri Bank, Brookfield, MO, Mark Smith - PDF
208. The Farmers Bank of Liberty, Liberty, IL, Mark Field - PDF
209. Whitesville State Bank, Whitesville, WV, Christina M. Cabell - PDF
210. Commercial State Bank, Wagner, SD, Michael Frei - PDF, Supplement Comment - PDF
211. Commercial Bank, Harrogate, TN, Adam Robertson - PDF
212. The First National Bank of Girard,Girard, KS, Connie Sponsel - PDF
213. Iowa Trust & Savings Bank, Emmetsburg, IA, Kris Ausborn - PDF (2)
214. Franklin Savings Bank, Franklin, NH, Ronald Magoon - PDF
215. Premier Bank, Rock Valley, IA, Wade Gort - PDF
216. Farmers Trust & Savings Bank, Earling, Iowa, Todd Langenfeld - PDF
217. Fox Chase Bank, Hatboro, PA, Thomas Petro - PDF
218. Cornerstone National Bank, Easley, SC, Jennifer Champagne - PDF
219. Clearfield Bank & Trust Company, Clearfield, PA, Richard Ogden - PDF
220. The Home Loan Savings Bank, West Lafayette, OH, Sharlynn Smith - PDF, Supplement Comment - PDF (5), Supplement Comment - PDF
221. Rognlin's, Inc.Aberdeen, WA, Randy Rognlin - PDF
222. First Security Bank, Storden, MN, Ronald Torkelson - PDF (2)
223. BTC Bank, Bethany, MO, Katie Jeffers - PDF (2)
224. The First State Bank, Rice, TX, Michael Montgomery - PDF
225. Profinium Financial, Inc., Fairmont, MN, Michael Riley - PDF
226. First County Bank, Stamford, CT, Reyno Giallongo - PDF
227. Taylor Capital Group, Inc / Cole Taylor Bank, Rosemont, IL, Mark Hoppe - PDF
228. Wayland State Bank, Wayland, IA, Robert Meyer - PDF
229. Armstrong Bank, Muskogee OK, Billy Taylor - PDF
230. Hawthorn Bank, Clinton, MO , James Smith - PDF, Supplement Comment - PDF (2)
231. The Bank of Tioga, Tioga, ND, David Grubb - PDF
232. J.P. Stone Community Bank, Roswell, Roswell, NM, Tracy Virden - PDF
233. Liberty Bank of Arkansas, Jonesboro, AR, John Freeman - PDF, Supplement Comment - PDF
234. J.P. Stone Community Bank, Roswell, Roswell, NM, Robin  Willingham - PDF
235. Southern Bank & Trust, Clarkesville, GA, Deanna Mote - PDF
236. Bank of Cashton, Cashton, WI, Scot Wall - PDF
237. Commercial Bank & Trust Co., Paris, TN, David Flowers - PDF
238. blueharbor bank, Mooresville, NC, Joe Marshall, Jr. - PDF
239. First National Bank, Cloverdale, IN, Todd Lewis - PDF, Supplement Comment - PDF (3)
240. First Financial Bank, Mineral Wells, TX, Kenneth A. Williamson - PDF (9)
241. Lincoln County Bancorp, Inc., Troy, MO - PDF (11)
242. Economic Alliance, Snohomich County, Troy McClelland -PDF
243. Copiah Bank, Hazlehurst, MS, D. R Thompson - PDF, Supplement Comments - PDF (10)
244. Rep. Roger Wicker - PDF
245. Bank of Monticello, Monticello, GA, Steve Jordan - PDF
246. North Shore Bank, Shorewood, WI, Andrea Tadych - PDF
247. Univest Bank & Trust Co., Jeffrey M. Schweitzer - PDF
248. American Council of Life Insurers, Washington, DC, Julie Spiezio - PDF
249. Home Bank & Trust Co., Eureka, KS, Richard Rucker - PDF
250. Pinnacle Bank, Elberton, GA, Jackson McConnell - PDF
251. First State Bank of Ashby, Lon Rylander - PDF
252. Citizens Bank & Trust Co., St. Paul, NE, Larry Hurlburt - PDF
253. First National Bank, Cloverdale, IN, Laurie Dillman - PDF
254. Illinois Bankers Association, Springfield, IL, Linda Koch - PDF
255. First Federal, McMinnville, OR, Jon Johnson - PDF (2)
256. Home Federal Bank, Middlesboro, KY, Alex Cook - PDF (2)
257. Paducah Bank & Trust Company, Paducah, KY, John Durbin - PDF
258. Georgia Bankers Association, Atlanta, GA, James Edwards, Jr. - PDF
259. Stockgrowers State Bank, Jim Stallbaumer - PDF
260. Merchants and Planters Bank, Newport, AR, Jim Gowen, Jr. - PDF
261. James Fiebiger - PDF
262. Farmers Trust and Savings Bank, Becky Miller - PDF
263. Planters Bank & Trust Company, Indianola, MS, James Clayton - PDF
264. Farmers State Bank, Yale, IA, Douglas Hemphill - PDF
265. Heritage Bank, Marion, IA, Tamara Danover - PDF
266. First National Bank, Cloverdale, IN, Jill Mercer - PDF
267. DMB Community Bank, DeForest, WI, Jane Showers - PDF
268. First National Bank, Cloverdale, IN, Jana Pettit - PDF
269. Ackley State Bank, Ackley, IA, V.J. Gus Barker - PDF
270. First National Bank Le Center, Le Center,  MN, Gregory Traxler - PDF
271. Regional Missouri Bank, MO, Don Reynolds - PDF
272. Farmers State Bank, Bridgewater, SD, Don Nolan - PDF
273. KS Bank, Smithfield, NC, Harold T. Keen - PDF
274. Naugatuck Savings Bank, Naugatuck, CT, Mark Yanarella - PDF (3), Supplement Comment - PDF
275. Park Bank, Milwaukee, WI, David Werner - PDF
276. Premiere Bank, Rock Valley, IA, Dan Taylor - PDF
277. Integrity Bank Plus, Wabasso, MN, Charles Robasse - PDF
278. Resurgens Bank, Atlanta, GA, Charles DeWitt - PDF
279. Community First Bank, Fairview Heights, IL, Charles Daily - PDF
280. First National Bank of Griffin, GA, Charles Copeland - PDF
281. Red River Bank, Alexandria, LA, R. Blake Chatelain - PDF
282. Treynor State Bank, Treynor, IA, Joshua Guttau - PDF
283. Greenfield banking Company, Greenfield, TN, Elena Miller - PDF, Supplement Comment - PDF
284. Northwest Community Bank, Winsted, CT, Stephen Reilly - PDF
285. The Bank of Edison, Edison, GA, Neil Lowe - PDF
286. Altura State Bank, James Kramer - PDF
287. The Bank of Delmarva, Salisbury, MD, Jeffrey F. Turner - PDF
288. Ramsey National Bank, Fargo, ND, W. J. Lempe, - PDF
289. Montezuma State Bank, Montezuma, IA, David Kercheval - PDF
290. State Bank of Lizton, Brownsburg, IN, Leslie J. Mongell - PDF, Supplement Comment - PDF
291. Piscataqua Savings Bank, Portsmouth, NH, Richard Wallis - PDF
292. The Equitable Bank, Wauwatosa, WI, Jennifer Provancher - PDF (3)
293. Palmetto State Bank, Beaufort, SC, J.M. Malinowski - PDF
294. Bank of the Pacific, Aberdeen, WA, Bruce MacNaughton - PDF
295. Coastal Community Bank, Everett, WA, Eric Sprink - PDF
296. First Fidelity Bank, Oklahoma City, OK, Lee Symcox - PDF
297. First National Bank in Howell, Howell, MI, Mark Huber - PDF (2)
298. Access Bank, Omaha, NE, Patrick Corrigan - PDF
299. First State bank, Hawarden, Don Nolan - PDF
300. Liberty Bank, Chicago, IL, William Smigiel - PDF
301. Montgomery Bank,, Sikeston, MO, Troy Wilson - PDF
302. First Bank & Trust Company, Perry, OK, Gwen Easter - PDF
303. People's Bank, Mendenhall, MS, John Rankin - PDF
304. RCB BANK,, Claremore, OK, Roger Mosier - PDF
305. Citizens First Bank, Clinton, IA, Kathryn Forrest - PDF
306. First National Bank in Howell, Howell,, MI, Stanley Dickson - PDF
307. Braintree Cooperative Bank, Braintree, MA, Paul Pecci - PDF, Supplement Comment - PDF
308. First National Bank in Howell, Howell, MI, Timothy Corrigan - PDF
309. First State Bank, Britt, IA, Eric Newton - PDF
310. Skowhegan Savings Bank, Skowhegan, ME, John Witherspoon - PDF
311. Jackson County Bank, Seymour, IN, David Geis - PDF
312. Salem Co-operative Bank, Salem,, NH, Ann Lally - PDF
313. USAmeriBank,, Tampa, FL, Joseph Chillura - PDF
314. Idaho Independent Bank, Boise, ID, Kurt Gustave - PDF
315. DeSoto County Bank, Southaven, MS, William Renovich - PDF
316. The Farmers State Bank, Holton, KS, Jim Meyer - PDF
317. Grant County State Bank, Carson, ND, John Schmid - PDF
318. Catskill Hudson Bank:, Kingston, NY, Glenn Sutherland - PDF
319. First National Bank Minnesota, St. Peter, MN, Michael Bresnahan - PDF
320. The Blue Ridge Bank, Seneca SC, Glenn Buddin, Jr. - PDF
321. Bank of Winona, MS, Mike Jones, - PDF
322. Community State Bank, Craig Marquardt - PDF
323. Northmark Bank, North Andover, MA, Jane Walsh - PDF
324. Burton State Bank, Burton, TX, E. J. Muehlbrad - PDF
325. Belmont Savings Bank, Belmont, MA, Robert Mahoney - PDF
326. Wheatland Bank, Spokane, WA, Allison Yarnelt - PDF
327. Farmers and Merchants Bank, Baldwyn, MS, John Haynes - PDF
328. American State Bank, Williston, ND, David Hanson - PDF
329. First Newton National Bank, Newton, IA, Gary Kahn - PDF
330. The Peoples Bank, Eatonton, GA, Charles Haley - PDF
331. Peoples Bank, Mendenhall, MS, Neddie Tolleson - PDF
332. Atlantic Stewardship Bank, Midland Park NJ., Robert Vliet - PDF
333. The Community Bank, Zanesville, OH, Michael Steen - PDF (2)
334. The Mortgage Bankers Association, David Stevens - PDF
335. MidWestOne Bank, Iowa City, IA, Charles Funk - PDF
336. DNB Financial Corporation, Downingtown, PA, William Latoff - PDF
337. Meredith Village Savings Bank, Meredith, NH, Samuel Laverack - PDF
338. First Bank, McComb, MS, James Covington - PDF
339. Citizens Bank & Trust Co., Marks, MS, Frank Sibley - PDF
340. Windsor Federal Savings, Windsor, CT, George Hermann - PDF
341. Capital City Bank Group, Inc., Tallahassee, FL, J. Kimbrough Davis - PDF
342. Merchants Bank, Grady Bedwell - PDF
343. Community National Bank, Waterloo, IA , Stacey Bentley - PDF
344. First Citizens Bank, Raleigh, NC, Edward Willingham IV - PDF
345. First Commercial Bannk, Edmond, OK, Gary McClanahan - PDF
346. The Fountain Trust Company, Covington, IN, Lucas White - PDF
347. Liberty Bank and Trust, Kansas City, KS, Sidney King - PDF
348. Farmers Savings Bank, Keota, IA, Charles W Helscher - PDF
349. ValueBank Texas, Corpus Christi,, TX, R. Scott Heitkamp - PDF
350. International Bank of Amherst, Amherst, WI, H.B. Pomeroy - PDF
351. Bank of Charles Town, Charles Town, WV, Matthew Stickel - PDF
352. First National Bank in Howell, Howell, MI, R. Michael Yost - PDF
353. Belt Valley Bank, Belt, MT, Bruce Hoyer - PDF
354. Twin City Bank, Longview, WA, M. Neil Zick - PDF
355. Grandview Bank, Cleburne, TX, Samantha Edsel - PDF
356. Bank of Salem, Salem, MO, Scott Ball - PDF
357. Grand Forks Region Economic Development Corporation, Grand Forks, ND, Klaus Thiessen - PDF
358. Hardin County Savings Bank, Eldora, IA, James Brown - PDF
359. Northwest Georgia Bank, Ringgold, GA, L. Wesley Smith - PDF
360. Grandview Bank, Grandview, TX, Robert Stewart - PDF
361. Madison County Community Bank, Madison, FL, Howard Phillips and D. Edward Meggs, Sr. - PDF
362. Freedom Bank, Elkader, IA, Shirley Best - PDF (2)
363. First Bank and Trust Company, Minden, NE, Kelley Ayres - PDF
364. Community Bank of Snyder, Snyder, TX, Joe Jackson - PDF
365. Southcoast Community Bank, Mt. Pleasant, SC, William Seabrook - PDF
366. Texas Bankers Association, Austin, TX, J. T. Sandberg, Jr. - PDF
367. North American Banking Company, Roseville, MN, Michael Bilski, Bradley Huckle, and Joseph Polaczyk - PDF
368. Tri-Valley Bank, Randolph, IA, K. Alan Deines - PDF
369. Hartzler Funeral Homes, New Windsor, MD, Daniel Hartzler - PDF
370. D'Hanis State Bank, D'Hanis, TX, Richard Yowell - PDF
371. Landmark Bank, Columbia, MO, Stephen Guthrie - PDF
372. First National Bank of Moody, Moody, TX, Glen Thurman - PDF
373. Bank of Perry, Perry, GA, Kelly Hillis - PDF
374. U.S. Senate, Committee on Banking Housing, and Urban Affairs, Richard Shelby - PDF
375. U.S. Congress, James Inhofe, Tom Coburn, M.D., Frank Lucas, John Sullivan, Tom Cole, Dan Boren, and James Lankford (Oklamhoma) - PDF
376. U.S. Senate, 53 Senators - PDF
377. U.S. Congress, Mark Udall, Michael Bennet, Ed Perlmutter, Diana DeGette, Doug Lamborn, Mike Coffman, Jared Polis, Cory Gardner, and Scott Tipton (Colorado) - PDF
378. U.S. Congress, Mark Pryor, John Boozman, Steve Womack, Rick Crawford, Tim Griffin, and Mike Ross (Arkansas) - PDF
379. U.S. Sentate, Al Franken (Minnesota) - PDF
380. U.S. Sentate, Claire McCaskill (Missouri) - PDF
381. U.S. Senate, Sherrod Brown and David Vitter - PDF
382. U.S. Congress, Shelley Capito, Randy Neugebauer, Spencer Bachus, and Jeb Hensarling - PDF
383. State of Connecticut Department of Banking, Hartford, CT, Howard Pitkin - PDF
384. Mississippi Bankers Association, Jackson, MS, McKinley Deaver - PDF
385. Mississippi Secretary of State, Jackson, MS, Delbert Hosemann - PDF
386. American Bankers Association, Securities Industry and Financial Markets Association, and Financial Services Roundtable, Washington, DC, Wayne Abernathy, Kenneth Bentsen, Jr., and Richard Whiting - PDF, Supplement Comment - PDF
387. Independent Community Bankers of South Dakota, Greg McCurry - PDF
388. Public Citizen's Congress Watch, Washington, DC, Bartlett Naylor - PDF
389. Florida International Bankers Association, Miami, FL, David Schwartz - PDF
390. ESB Financial, Emporia, KS, Howard Gunkel - PDF, Supplement Comment - PDF
391. HomeTown Bank, Roanoke, VA, Carolyn Kiser - PDF (12)
392. Landmark Bank, NA, Columbia, MO, Bradley Gentry - PDF (3)
393. AmeriServ Financial Inc., Johnstown, PA, Glenn Wilson and Jeffrey Stopko - PDF, Supplement Comment - PDF
394. First State Bank, Union City, TN, John Clark - PDF
395. Bank of Milton, Milton, WI, Anthony Astin - PDF (3)
396. Golden Belt Bank, Ellis, KS, Jessica Kerr - PDF
397. First Financial Bank, N.A., Mineral Wells, Mike Mearse - PDF
398. New York Bankers Association, New York, NY, Michael Smith - PDF
399. First State Bank, Union City, TN, Victor Castro - PDF
400. Commercial National Bank, Texarkana, TX, Dennis Huffman - PDF
401. Calvin B. Taylor Banking Company, Berlin, MD, Raymond Thompson and M. Dean Lewis - PDF
402. Union First Market Bankshares Corporation, Richmond, VA, G. William Beale, Robert Gorman, D. Anthony Peay, John Neal, and Toler Cross - PDF
403. RCSBank, New London, MO, James Behrens - PDF
404. First Landmark Bank, Marietta, GA, Ronald Francis, Terrence DeWitt, and Terri Guthrie - PDF
405. Emprise Bank, Wichita, KS, Aaron Veatch - PDF
406. Bank of Travelers Rest, Travelers Rest, SC, R. Bruce White - PDF
407. South Georgia Banking Company, Ashburn, GA, Teny Alston - PDF
408. Commercial Bank, DeKalb, MS, Michael Dudley - PDF
409. United Bankers' Bank, Bloomington, MN, William Rosacker - PDF
410. Greer State Bank, Greer, SC, George Burdette and J. Richard Medlock, Jr. - PDF
411. Platte Valley Bank, Platte City, MO, Karen Anderson - PDF
412. Benchmark Bank, Plano, TX, Michael Barnett - PDF
413. Howard Bank, Ellicott City, MD, Mary Ann Scully - PDF
414. Union State Bank, Clay Center, KS, Daniel Heeren - PDF
415. Fisher, Herbst & Kemble, P.C., San Antonio, TX, - PDF
416. Emprise Financial Corporation, Wichita, KS, L. Thomas Veatch - PDF
417. Security State Bank, Cheyenne, OK, Stuart Sander - PDF
418. First New Mexico Bank, Silver City, NM, Sean Ormand - PDF
419. Horizon Bank, NA, Michigan City, IN, Craig Dwight - PDF
420. Colony Bank, Fitzgerald, GA, Edward Loomis, Jr. and Teryy Hester - PDF
421. Landmark Bank, NA, Columbia, MO, David Bryant - PDF (2)
422. BancorpSouth, Tupelo, MS, Aubrey Patterson, James Kelley, and William Prater - PDF
423. Ledyard National Bank, Hanover, NH, Kathryn Underwood - PDF
424. Farmers and Merchants Bank, LaFayette, AL, Stanley Tucker - PDF
425. Alden State Bank, Sterling, KS, Todd Rowland - PDF
426. Risk Management Association, Committee on Securities Lending, Philadelphia, PA, Christopher Kunkle and Jason Strofs - PDF
427. Thom Conus, Monett, MO - PDF
428. Country Bank for Savings, Ware, MA, Mary McGovern - PDF
429. Bank of Milton, Milton, WI, Amanda Benway - PDF
430. Chesapeake Bank, Kilmarnock, VA, John Hunt, II - PDF
431. Farmers Bank & Trust, NA, Great Bend, KS, Steve Dobratz - PDF, Supplement Comment - PDF
432. Country Club Bank, Kansas City, MO, Douglas Axon - PDF
433. First Guaranty Bank, Hammond, LA, Alton Lewis - PDF
434. Bank of Milton, Milton, WI, Robert Cullen - PDF
435. Lake Sunapee Bank, FSB, Newport, NH, Stephen Ensign, Stephen Theroux, and Laura Jacobi - PDF
436. Capital Bank, Fort Oglethorpe, GA, Kathy Davis - PDF
437. West Gate Bank, Lincoln, NE, Carl Sjulin - PDF
438. Plimoth Investment Advisors, New Bedford , MA, Sandra Sevigney - PDF
439. Community Bank of Cameron, Cameron, WI, Terry Gerber - PDF
440. Platte Valley Bank of Missouri, Platte City, MO, Carl Myers - PDF
441. Seifried & Brew, LLC, Allentown, PA, Jay Brew and Edmond J. Seifried - PDF, Community Bankers' Supporting Comment Letters: Embassy Bank, Bethlehem, PA, Dave Lobach - PDF, New Tripoli Bank, New Tripoli, PA, David Hunsicker - PDF, Vickie Beer, Somerset, PA - PDF
442. Concordia Bank & Trust Company, Vidalia, LA, Patrick Biglane - PDF
443. First State Bank, New London, WI, Michael Sullivan - PDF (2)
444. Clinton Savings Bank, Clinton, MA, Richard Hayward, Jr. - PDF
445. Central Bank, Little Rock, AR, Jim Malone - PDF
446. Bank of Elk River, Elk River, MN, John Babcock - PDF
447. SCBT Financial Corporation, Columbia, SC, Robert Hill, Jr. - PDF
448. Astra Bank, Abilene, KS, Kyle Campbell - PDF
449. Patterson State Bank, Patterson, LA, Robert Marin - PDF
450. Jeffrey Triplett - PDF
451. Meadows Bank, Las Vegas, NV, Chris Swendseid and Calvin Regan - PDF
452. Form Letter 2 - PDF (78)
453. Form Letter 3 - PDF (178)
454. Citizens Bank of Edmond, Edmond, OK, C. H. Wyatt, Jr. - PDF (4)
455. JPMorgan Chase & Co, New York, NY, Matthew Zames - PDF
456. Farmers and Merchants Bank, Upperco, MD, James, Bosley, Jr. - PDF
457. Northeast Bank, Minneapolis, MN, Thomas Beck - PDF
458. Benchmark Bank, Dallas, TX, Layne Newman - PDF
459. TrustTexas Bank, Cuero, TX, Bryan Haun - PDF
460. First Federal Savings Bank of Champaign-Urbana, Champaign, IL, Tyler Rouse - PDF
461. BayCoast Bank, MA, Stuart Lawrence - PDF (6), Supplement Comment - PDF
462. Community National Bank, Waterloo, IA, Justin Salow - PDF
463. WSFS Bank, Wilmington, DE, Stephen Fowle - PDF
464. INSOUTH Bank, Brownsville, TN, Phil Clinton - PDF
465. New Hampshire Bankers Association, Concord, NH, Christiana Thornton - PDF
466. Jefferson Security Bank, Shepherdstown, WV, K. Stephen Morris - PDF
467. Panola National Bank, Carthage, TX, Warren Biggs - PDF
468. Community Banking Company of Fitzgerald, GA, Becky Powell - PDF
469. Integrity First Bank, Mountain Home, AR, Donna Burnett - PDF
470. Bank of Canton,, MA, Anthony Caruso - PDF (10)
471. Iowa State Savings Bank, Creston, IA, Karl Knock - PDF
472. Benchmark Bank, Dallas, TX, Craig Womble - PDF
473. Keefe, Bruyette & Woods, Inc., New York, NY, Thomas Michaud - PDF
474. Citizens Bank & Trust Company, Chillicothe, MO, Jon Appleby - PDF
475. Southern Bank and Trust Company, Mount Olive NC, David Sauls, Jr. - PDF
476. NM, Raymond Welborn - PDF
477. FinSer Corporation, San Antonion, TX, Fred Schwarz - PDF
478. Peoples Bank , Indianola, IA, Patrick O'Meara  - PDF
479. Grand Valley Bank, Heber, UT, Curtis Taylor - PDF
480. FARIN & Associates, Inc., Fitchburg, WI, Tom Farin - PDF
481. First National Bank of Picayune,, MS, Crystal Kennedy - PDF
482. Mechanics Bank, Water Valley, MS, Cam Tyler - PDF
483. Britton & Koontz Bank, Natchez, MS, William Salters - PDF
484. Union State Bank, Clay Center,, KS, Sandy Fox - PDF
485. Iowa Savings Bank, Carroll, IA, Richard Fulton - PDF
486. BCT, Charles Town, WV, Diane Armstrong - PDF, Supplement Comment - PDF
487. Citizens Security Bank & Trust, Bixby, OK, Brad Stieben - PDF
488. The Roscoe State Bank, Nolan County, TX, John Jay - PDF
489. HomeTrust Bank, Asheville, NC., Tony VunCannon - PDF
490. West Alabama Bank & Trust, Reform, AL, William Finney - PDF
491. INTRUST Bank, N.A., Wichita, KS, Jay Smith - PDF
492. Community State Bank , Spencer, IA , Clark Cunningham - PDF
493. High Plains Bank, Keyes, OK, Dirk Bagenstos  - PDF
494. TotalBank, Miami, FL, Jose Marina - PDF
495. Citizens Bank, Byhalia., MS, Tracy Davidson - PDF
496. Old Line Bank, Bowie, MD, James Cornelsen - PDF
497. The Provident Bank, Amesbury, MA, Charles Cullen - PDF
498. Citizens Savings Bank, Marshalltown, IA, Angela Parks - PDF
499. Capital Bank , NJ, David Hanrahan, Sr. - PDF
500. Peoples Bank, Indianola, IA, Wayne Vander Tuig - PDF
501. Generations Bank , Menzo Case  - PDF
502. CliftonLarsonAllen, Minneapolis, MN, Jerry Felicelli - PDF
503. Police Partners, Inc., John O'Connor - PDF
504. Citizens Bank, Carthage, TN, Walter Birdwell, Jr. - PDF
505. Union Bank, Morrisville, VT, David Silverman - PDF
506. First Citizens National Bank, Dyersburg, TX, Katie Winchester - PDF
507. Mauch Chunk Trust Company, Jim Thorpe, PA, Patrick Reilly - PDF
508. Fidelity Bank, Wichita, KS, Bruce Wilgers - PDF
509. Ulster Savings Bank, Kingston, NY, Michael Shaughnessy - PDF
510. Camden National Corporation, Camden, ME, Gregory Dufour - PDF
511. Fidelity Financial Corporation, Wichita, KS, H. Clay Bastion - PDF
512. AMB Financial Corp., Munster, IN, Steven Bohn - PDF
513. Five Points Bank, Grand Island, NE, William Marshall III - PDF
514. CNB, Centreville, MD, F. Winfield Trice, Jr. - PDF
515. CenterState Bank of Florida, N.A., Winter Haven, FL, John Corbett - PDF
516. Gaeta & Eveson, P.A., Raleigh, NC, Todd Eveson - PDF
517. McFarland State Bank, McFarland, WI, E. David Locke - PDF
518. Oklahoma Bank, Clinton, OK, G. W. Lowry, Jr. - PDF
519. Oklahoma Society of Certified Public Accountants, Banking and Other Financial Institutions Committee, Tom Pharaoh, Chairman and 8 Committee Members - PDF
520. National Consumer Cooperative Bank, Washington, DC, Charles Snyder - PDF
521. BankGreenville Financial Corporation, Greenville, SC, Russel Williams - PDF
522. Bank of Forest, Forest, MS, T. E. Walker - PDF
523. Industrial Bank, Washington, DC, B. Doyle Mitchell, Jr. - PDF
524. National Bank of Scotia, Scotia, NY, Louis Buhrmaster - PDF
525. West Plains Bank and Trust Company, West Plains, MO, David Gohn - PDF
526. First Savings, Perkasie, PA, Jerome Arrison - PDF
527. Eagle Bank, Everett, MA, Marc Whittaker - PDF
528. Burke & Herbert Bank, Alexandria, VA, Jeffrey Stryker - PDF
529. Citizens Alliance Bank, Clara City, MN, John Forstrom - PDF
530. Bank of Yazoo City, Yazoo City, MS, Philip Williams - PDF
531. SpiritBank, Tulsa, OK, Greg Caldwell and Jody Manning - PDF
532. Home Trust & Savings Bank, Osage, IA, Jean Brumm - PDF
533. Cape Cod Five Cents Savings Bank, Harwich Port, MA, Dorothy Savarese - PDF
534. Cambridge Trust Company, Cambridge, MA, Joseph Roller II - PDF
535. Bank of Franklin, Meadville, MS, Bradley Jones - PDF
536. First Bank of Miami, Coral Gables, FL, Jorge Triay - PDF
537. Dairy State Bank, Rice Lake, WI, Michael Bock - PDF
538. First National Bank of the Gulf Coast, Naples, FL, Gary Tice - PDF
539. Cardinal Financial Corporation, McLean, VA, Mark Wendel - PDF
540. Chino Commercial Bank, Chino, CA, Dann Bowman - PDF
541. Reliant Bank, Franklin, TN, J. Daniel Dellinger - PDF
542. Nationwide Mutual Insurance Company, Ohio, Mark Thresher - PDF
543. Roma Bank, Robbinsville,, NJ, Michele Sierkerka - PDF
544. The Rockhold Brown & Company Bank, Bainbridge, OH, William Hubbard - PDF
545. Oak Creek Valley Bank, Valparaiso, NE, Mark Blazek - PDF
546. Nichols, Cauley & Associates, LLC, Atlanta, GA, Ian Waller - PDF
547. The Peoples Bank, Red Level, AL, Robert Foshee, Jr. - PDF
548. Mid-Missouri Bank, Springfield, MO, Brian Riedy - PDF
549. Bank of Bolivar, Bolivar, MO, Brad Gregory - PDF
550. Lea County State Bank, Hobbs, NM, Samuel Spencer Jr. -PDF
551. NexTier Bank N.A., Butler, PA, Donald Shamey - PDF
552. First State Bank, St. Charles, MO, David P. Strautz - PDF
553. First National Bank in Cimarron, Cimarron, KS, Kimberly Jo Fairbank - PDF
554. Citizens National Bank of Texas, Waxahachie, TX, Marvin Singleton, III - PDF
555. Community Bank, Pasadena, CA, David Malone - PDF
556. Brentwood Bank, Bethel Park, PA, Thomas Bailey - PDF
557. North Shore Trust and Savings, Waukegan, IL, Stephen Lear - PDF
558. The Citizens Bank, Olanta, SC, H. Blake Gibbons, Jr. - PDF
559. Durden Banking Company, Twin City, GA, GW Johnson, Jr.
560. DeWitt Bank & Trust Co., DeWitt, IA, Greg Gannon - PDF
561. Mesaba Bancshares, Inc., Biwabik, MN, Christina Cavallin - PDF
562. PeoplesBank, Holyoke, MA, Thomas Senecal - PDF
563. First Alliance Bank, Cordova, TN, L Hunt Campbell - PDF
564. Bank of Advance, Advance, MO, Harold Miles - PDF
565. Carson Bank, Mulvane, KS, Frank Carson III - PDF
566. Bank of South Texas, McAllen, TX, Darryl Lemke - PDF
567. Brookhaven Bank, Atlanta, GA, Jane Skelton - PDF
568. BAFT-IFSA, Washington, DC, Tod Burwell - PDF
569. First Financial Holdings, Inc., Charleston, SC, Blaise Bettendorf - PDF
570. HCSB, Kerrville, TX, J. David Williams - PDF, Supplement Comment - PDF
571. The New York State Department of Financial Services, New York, NY, Benjamin Lawsky - PDF
572. Plains State Bank, Plains, KS, Frank Connealy - PDF
573. First State Community Bank, MO, Greg Allen - PDF
574. Tower Bank & Trust Company, FORT WAYNE, IN, Michael Cahill - PDF
575. German American Bancorp, Jasper,, IN, Mark Schroeder - PDF
576. Marquette Bank, IL, George Moncada - PDF
577. Bank of American Fork, American Fork, UT, Richard Beard - PDF
578. The Bank of Marion, Marion, VA, John Stringer - PDF
579. Lake Shore Savings, Fredonia, NY, Daniel Reininga - PDF
580. Banesco USA, Coral Gables, FL, M. Mercedes Escotet - PDF
581. UMB Financial Corporation, kansas City, MO, Michael Hagedorn - PDF
582. Arvest Bank, Lowell, AR, Karla S. Payne - PDF
583. First National Bank, Ronceverte, WV, Matthew L. Bums - PDF
584. CrossFirst Bank, Leawood, KS, Mike Wynn - PDF (3)
585. Mississippi Congressional Delegation, Washington, DC, Roger Wicker - PDF
586. Iowa Congressional Delegation, Washington, DC, Tom Harkin - PDF
587. South Carolina Congressional Delegation, Washington, DC, James Clyburn - PDF
588. Community Bank, Coast, Pascagoula, MS, Seth Randle - PDF
589. Kress National Bank, Kress, TX, John Murray - PDF
590. Bank of Pontiac, Pontiac, IL, Bill Kauffman - PDF
591. Indiana Representatives, U.S. Congress, Washington, DC, Marlin Stutzman - PDF
592. U.S. Congress, Washington, DC, Steve King - PDF
593. U.S. Congress, Washington, DC, Rick Larsen - PDF
594. U.S. Congress, Washington, DC, Cory Gardner - PDF
595. U.S. Congress, Washington, DC, Daniel Lipinski - PDF
596. New York, NY, John Reed - PDF
597. First Community Bank, Corpus Christi, TX, Stephan Pratz - PDF, Supplement Comment - PDF (3)
598. First Federal Bank of Louisiana, Lake Charles, LA, Charles Timpa - PDF
599. U.S. Congress, Washington, DC, Bob Goodlatte - PDF
600. Prudential Financial Inc., Newark, NJ, Nancy Baran - PDF
601. First Western Bank, Boonesville, AR, Steve Gramling - PDF (9)
602. Comanche National Bank, Comanche, TX, Janice Moore - PDF (6)
603. Four Corners Community Bank, Farmington, NM, Ed Armstrong - PDF (5)
604. Kerndt Brothers Savings Bank, Lansing, IA, James Kerndt  - PDF (8)
605. Inwood Bank, Dallas, TX, Gregory Niemeyer - PDF (5)
606. Texana Bank, Longview, TX, Michael Rountree - PDF (11)
607. State Bank of Davis, Davis, IL, Dan Dietmeier - PDF (6)
608. Wells Fargo Bank, N.A., Timothy J. Sloan - PDF
609. PNC Financial Services Group, Inc., Pittsburgh, PA, James Rohr - PDF
610. U.S. Senate, Cynthia Lummis (Wyoming) - PDF
611. U.S. Congress, Andre Carson (Indiana) - PDF
612. U.S. Congress, Martin Heinrich (New Mexico) - PDF
613. U.S. Congress, Texas Congressmen - PDF
614. Valley Bank & Trust, Mapleton, IA, Todd Sadler - PDF
615. Tejas Bank, Monahans, TX, Todd Hunt - PDF
616. Newtown Savings Bank, Newtown, CT, John Trentacosta - PDF
617. Copiah Bank, N.A., Hazlehurst, MS, Victor Smith - PDF
618. First State Bank, Gainesville, TX, Ryan Morris - PDF (10)
619. TD Bank, Stephen Boyle - PDF
620. State Street Corporation, Boston, MA, Stefan Gavell - PDF
621. BB&T, Winston-Salem, NC, Daryl Bible - PDF
622. SunTrust Banks, Inc., Atlanta, GA, Paul Burdiss - PDF
623. American Express Company, New York, NY, Daniel Henry - PDF
624. Regions Financial Corporation, Birmingham, AL, David Turner, Jr. - PDF
625. Fifth Third Bancorp, Cincinnati, OH, Daniel Poston - PDF
626. First Horizon National, Memphis, TN, D. Bryan Jordan - PDF
627. Baileyville State Bank, Seneca, KS - PDF (6)
628. BankStar, Elkton, SD - PDF (6)
629. BankWest, Rockford, MN, Steven Huston - PDF (3)
630. Waycross Bank & Trust, Waycross, GA, G.C. Ganas - PDF (6)
631. Benchmark Bank, Dallas, TX, Corby Ferrell - PDF
632. Flagstar Bank, Troy, MI, Michael Tierney - PDF
633. Two Rivers Bank, Tinton Falls, NJ, Frank Patock, Jr. - PDF (54)
634. U.S. Congress, Brett Guthrie, Hal Rogers, Ed Whitfield, John Yarmuth (Kentucky) - PDF
635. U.S. Congress (Missouri) - PDF
636. U.S. Congress (Georgia) - PDF
637. Texas First State Bank, Riesel, TX - PDF (5)
638. Country Club Bank, Kansas City, MO, Byron Thompson - PDF (118), Supplement Comment PDF (31), Supplement Comment - PDF (2)
639. SNR Denton, New York, NY, Jerome Walker - PDF
640. Dean Bank, Franklin, MA, Kevin Goffe - PDF
641. MainStreet Bank, Washington, DC, Jeff Dick - PDF
642. The First National Bank of McHenry, McHenry, IL, William Busse - PDF
643. Savers Bank, Southbridge, MA, Joseph Coderre - PDF
644. First State Bank, Wilton, ND, James Porter - PDF
645. Deutsche Bank AG, New York, NY, Richard Ferguson - PDF
646. Integrity Bank, Camp Hill, PA, Laurel Leitzel - PDF
647. First State Bank and Trust, Bayport, MN, Peter Clements - PDF
648. Community Bank, Muscatine, IA, Gary Slight - PDF
649. State Bank & Trust Company, Ridgeland, MS, John Neville - PDF
650. Pioneer Bank, Roswell, NM, Jon Hitchcock - PDF
651. American Savings, FSB, Munster, IN, Michael Mellon - PDF
652. Security Bank, Laurel, NE, Keith Knudsen - PDF
653. First Bethany Bank, Bethany, OK, Jane Haskin - PDF
654. Texas Heritage National Bank, Daingerfield, TX, Dwyatt Bell - PDF
655. Guilford Savings Bank, Guilford, CT, Margaret Livingston - PDF
656. American Bankers Association, Washington, DC, C. Dawn Causey - PDF
657. Lake City Bank, Warsaw, IN, Michael Kubacki - PDF
658. Union Savings Bank, Danbury, CT, Francis Dattalo - PDF
659. Guardian Bank, Valdosta, GA, Pam Horton - PDF (3)
660. U.S. Congress, Tom Udall (New Mexico) - PDF
661. First Lockhart National Bank, Lockhart, TX, J. Roland Velvin - PDF (7)
662. Bank of the Pacific, Aberdeen, WA (4)
663. Virginia Congressional Delegation - PDF
664. Carolina Financial Corporation, Charleston, SC, Jerry Rexroad - PDF (3), Supplement Comment - PDF
665. The Clearing House Association and the American Securitization Forum, David Wagner - PDF
666. Bank & Trust Company, Lilchfield. lL, R. kent Redfern - PDF
667. U.S. Congress, Peter Welch, Michael Michauld, Chellie Pingree, Joe Courtney - PDF
668. Republic Bank & Trust, Norman,, OK, Donald Pape - PDF
669. U.S. Congress, Susan Collins (Maine) - PDF
670. U.S. Congress, Senator Mike Johanns, Congressmen Lee Terry, Jeff Fortenberry, Adrian Smith (Nebraska) - PDF
671. U.S. Congress, Frank Guinta (New Hampshire) - PDF
672. Horizon Bank, Waverly, NE, Janet Latimer - PDF
673. Heartland Bank, Gahanna, OH, G. Scott McComb - PDF
674. First State Bank & Trust Company, Fremont, NE, Charles Johannsen - PDF
675. First Sentinel Bank, Richlands, VA, J. Robert Buchanan - PDF
676. First Citizens National Bank, Mason City, IA, Jeffrey Gribben - PDF
677. First American Bank, Iuka, MS, Michael Webb - PDF
678. Dedham Institution for Savings, Dedham, MA, Mark Ingalls - PDF
679. Dalhart Federal Savings & Loan, SSB, Dalhart, TX, William Cunningham - PDF
680. Community 1st Bank, Las Vegas, NM, Yvette Williams - PDF
681. Colonial Savings FA, Fort Worth, TX, J. David Motley - PDF
682. Columbus Community Bank, Forston, GA, Gary Ledbetter - PDF
683. Cleveland State Bank, Cleveland, MS, R. Calvin Dye - PDF
684. Bryant Bank, Tuscaloosa, AL, Claude Edwards - PDF
685. Bridgewater Savings, Raynham, MA, James Lively - PDF
686. Bank of Dade, Trenton, GA, J. Michael Tate - PDF
687. Bank of Anguilla, Anguilla, MS, Fred Miller, Jr. - PDF
688. Cabarrus Bank & Trust, Concord, NH, Patricia Horton - PDF
689. Bank of Stanly, Albemarle, NC, W.D. Lawhon, Jr. - PDF
690. Anson Bank & Trust, Wadesboro, NC, Dana Maness - PDF
691. Alostar Bank of Commerce, Birmingham, AL, Michael Gillfillan - PDF
692. Pendleton Community Bank, Franklin, WV, William Loving, Jr. - PDF
693. Coastal Bancshares, Inc., Hilton Head Island, SC, Randy Dolyniuk - PDF
694. Security State Bank & Trust, Fredericksburg, TX, William Cowden, Jr. - PDF
695. Savings Bank of Walpole, Walpole, NH, Gregg Tewksbury - PDF
696. PremierWest Bancorp, Medford, OR, Douglas Biddle - PDF
697. Portage Community Bank, Ravenna, OH, Donald Herman - PDF
698. Peoples National Bank of Mora, Mora, MN, Doyle Jelsing - PDF
699. The Peoples Bank of Ripley, Walnut, MS, Kyle Smith - PDF
700. Newport Fed, Newport, RI, Kevin McCarthy - PDF
701. Mutual Bank, Muncie, IN, David Heeter - PDF
702. Merchants & Farmers Bank, Holly Springs, MS, H. Gregory Taylor - PDF
703. Liberty National Bank, Ada, OH, Bryan Marshall - PDF
704. Kishacoquillas Valley National Bank, Bellville, PA, Sangeeta Kishore - PDF
705. Institution for Savings, Newburyport, MA, Michael Jones - PDF
706. U.S. Senate, Jeffrey Merkley (Oregon) - PDF
707. Paul Volcker, New York, NY - PDF
708. U.S. Congress, Cathy Morris Rodgers (Washington) - PDF
709. Staff Disclosure: Meeting with Representatives from The Clearing House Association L.L.C. - PDF
710. U.S. Senate, Patty Murray (Washington) - PDF
711. The Systemic Risk Council, Washington, DC, Sheila Bair - PDF
712. Governor Dave Heineman, Nebraska - PDF
713. Wells Fargo & Company, San Francisco, CA, Paul Ackerman - PDF
714. American National Bank, Omaha, NE, Mike Hall - PDF
715. First National Bank in Marlow, OK, R. Keith Mansfield - PDF
716. Asset Management Group, Inc., Kansas City, MO, Sean Doherty - PDF
717. Pacific Coast Banker's Bancshares, San Francisco, CA, Steve Brown - PDF
718. Angie Riley - PDF
719. Whitesville State Bank, Whitesville, WV, Lois Guthrie - PDF
720. South Central Bank, NA, Chicago, IL, Todd Grayson - PDF
721. Village Bank, Midlothian, VA, Nathan Cobb - PDF
722. Whitesville State Bank, Whitesville, WV, Marshelle Pettry - PDF
723. Whitesville State Bank, Whitesville, WV, Taylor Pettry - PDF
724. Whitesville State Bank, Whitesville, WV, Amy McGraw - PDF
725. Whitesville State Bank. Whitesville, WV, Patty Ellis - PDF
726. HomeTown Bank, NA, Galveston, TX, Jimmy Rasmussen - PDF
727. The Eastern Colorado Bank, Cheyenne Wells, CO, Jean Kreger - PDF
728. West Union Bank, West Union, WV, Joshua Weekley - PDF
729. First Financial Bank, Hereford, TX, Mike Mauldin - PDF
730. Stroud National Bank, Stroud, OK, Kim Wheeler - PDF
731. American River Bank, Sacramento, CA, Mitchell Derenzo - PDF
732. Citizens State Bank of Loyal, WI, Leonard Hamman - PDF
733. Think Mutual Bank, Rochester, MN, Daniel Beck - PDF
734. First State Bank of Wyoming, Laramie, WY, Mark Zaruba - PDF
735. MidWestOne Bank, Iowa City, IA, John Koza - PDF
736. Mortgage Bankers Association, Washington, DC, John Courson - PDF
737. American Heritage Bank, Clovis, NM, Mac Langford - PDF
738. South Coastal Bank, Rockland, MA, Robert Fraser - PDF
739. Summit Bank, Tulsa, OK, Wade Edmundson - PDF
740. The Citizens Bank of Philadelphia, MS, Greg McKee - PDF
741. Macon Bank, Inc., Franklin, NC, Roger Plemens - PDF
742. Macon Bank, Inc., Franklin, NC, Carolyn Huscusson - PDF
743. First Community Bank, Corpus Christi, TX, Julie Harris - PDF
744. Homebanc NA, Lake Mary, FL, Jerry Campbell - PDF
745. Lewiston State Bank, Lewiston, OR, Anthony Jon Hall - PDF
746. Nebraska Independent Community Bankers, Lincoln, NE, Scott Selko - PDF
747. The Bank of Elk River, Elk River, MN, Patrick Dwyer - PDF
748. Major Lumber Co., Smithville, MO, Ronald H. Major - PDF
749. Midsouth Bancorp, Inc., Lafayette, LA, James McLemore - PDF
750. Patricia Murphy - PDF
751. Peoples Savings Bank, Indianola, IN, Greg Johansen - PDF
752. Comanche National Bank, Comanche, TX, Weldon Bragg - PDF
753. Comanche National Bank, Comanche, TX, William Nix - PDF
754. First Resource Bank, Exton, PA, Christopher Knauer - PDF
755. BankFive, Fall River, MA, William Eccles - PDF
756. First National Bank of Clarksdale, MS, Russell Bennett - PDF
757. Belmont Bank & Trust Company, Chicago, IL, William McCarty - PDF
758. Securities Industry and Financial Markets, Assn (SIFMA), Michael Decker - PDF
759. Lincoln Savings Bank, Cedar Falls, IA, Emily Girsch - PDF
760. The National Bank & Trust Company, Wilmington, OH, John Limbert - PDF
761. Citizens Bank of Washington County, Sandersville, GA, James Francis - PDF
762. Mayville State Bank, Mayville, MI, Brad Sullivan - PDF
763. The Newburyport Five Cents Savings Bank, Newburyport, MA, Janice Morse - PDF
764. Merchants Bank, Burlington, VT, Janet Spitler - PDF
765. Home State Bank, NA, Crystal Lake, IL, Steven Slack - PDF
766. First Community Bank & Trust, Beecher, IL, Greg Ohlendorf - PDF
767. Farmers and Merchants Bank of Western Pennsylvania, NA, Kittanning, PA, Kristin Robertucci - PDF
768. Heritage First Bank, Rome, GA, Gregory Wilkes - PDF
769. First State Bank Nebraska, Lincoln, NE, Thomas Damkroger - PDF
770. Lewis & Clark Bank, Oregon City, OR, Trey Maust - PDF
771. First Bethany Bank & Trust, Bethany, OK, John Bumpus - PDF
772. Merchants National Bank of Sacramento, CA, Stephen Meyers - PDF
773. Chesapeake Bank, Kilmarnock, VA, Jeffrey Szyperski - PDF
774. Capitol Federal Savings Bank, Topeka, KS, John Dicus - PDF
775. First Financial Bank, NA, Stephenville, TX, Ron Mullins - PDF
776. First National Bank of the Rockies, Grand Junction, CO, Peter Waller - PDF
777. North Akron Savings Bank, Akron, OH, Bryan Fehr - PDF
778. Heritage Bank of Central Illinois, Trivoli, IL, M. Scott Hedden - PDF
779. Charter Bank, Biloxi, MS, Gregory Cronin - PDF
780. Community Bank, Bristow, OK, W. David Roberts - PDF
781. North Jersey Community Bank, Englewood Cliffs, NJ, Frank Sorrentino - PDF
782. Peoples Neighborhood Bank, Hallstead, PA, Alan Dakey - PDF
783. Federation Bank, Washington, IA, Jamie Collier - PDF
784. The First National Bank of Talladega, AL, Chad Thomas - PDF
785. The Ephrata National Bank, Ephrata, PA, Scott Lied - PDF
786. Sterling Bank and Trust, FSB, Southfield, MI, Tom Lopp - PDF
787. DNB National Bank, Clear Lake, SD, Dan Sievers - PDF
788. Grand Rapids State Bank, Grand Rapids, MN, Edward Zabinski - PDF
789. Southwest National Bank, Wichita, KS, Trish Minard - PDF
790. Lowell Cooperative Bank, Lowell, MA, Richard Bolton - PDF
791. Highland Commercial Bank, Marietta, GA, Beate F. Frank - PDF
792. Pineland State Bank, Metter, GA, Bryan Aasheim - PDF
793. Ballinger National Bank, Ballinger, TX, Phillip Springer - PDF
794. EnerBank USA, Salt Lake City, UT, Charles Knadler - PDF
795. Independent Bank Corp, Rockland, MA, Denis Sheahan - PDF
796. Springs Valley Bank & Trust Company, French Lick, IN, Jamie Shinabarger - PDF
797. Coastal Carolina Bancshares, Myrtle Beach, SC, Dawn Kinard - PDF
798. Farmers & Merchants Bank, Lakeland, GA, Jeff Parrish - PDF
799. Northeast Missouri State Bank, Kirksville, MO, Randy Riley - PDF
800. FirstBank, Lexington, TN, Douglas Cruickshanks - PDF
801. Jonestown Bank and Trust Company, Jonestown, PA, C. William Roth - PDF
802. Countybank, Greenwood, SC, Annette Huskey - PDF
803. Massachusetts Bankers Association, Boston, MA, Jon Skarin - PDF
804. NVE Bank, Englewood, NJ, Robert Rey - PDF
805. Intermountain Community Bancorp, Sandpoint, ID, Curt Hecker - PDF
806. Carver Federal Savings Bank, New York, NY, Deborah Wright - PDF
807. Center for Capital Markets Competitiveness, U.S. Chamber of Commerce, Washington, DC, David Hirschmann - PDF
808. Brainerd Savings & Loan Association, Brainard, MN, Bruce Boland - PDF
809. First Savings Bank of Perkasie, PA, Frederick Schea - PDF
810. Mechanics and Farmers Bank, Durham, NC, Kim Saunders - PDF
811. Mascoma Savings Bank, Lebanon, NH, Stephen Christy - PDF
812. Towne Mortgage Company, Troy, MI, Donald Calcaterra - PDF
813. BankNewport, Newport, RI, Gregory Derderian - PDF
814. Heartland Bank and Trust Company, Bloomington, IL, Fred Drake - PDF
815. Eight National Real Estate Organizations - PDF
816. Provident Savings Bank, FSB, Riverside, CA - Craig Blunden - PDF
817. Thomaston Savings Bank, Thomaston, CT, Stephen Lewis - PDF
818. McKenzie Banking Company, McKenzie, TN, Charles Wilson - PDF
819. Siuslaw Financial Group, Florence, OR, Johan Mehlum - PDF
820. Peoples Bank SB, Munster, IN, David A. Bochnowski - PDF
821. Community 1st Bank Las Vegas, NM, Ray Litherland - PDF
822. The First National Bank of Layton, UT, K. John Jones - PDF
823. The Federal Savings Bank, Overland Park, KS, William Morton - PDF
824. Farmers and Merchants State Bank, Scotland, SD, Dick Behl - PDF
825. Silvergate Capital Corporation, La Jolla, CA, John M. Bonino - PDF
826. Subchapter S Bank Association, San Antonio, TX, Patrick Kennedy - PDF
827. Washington Savings Bank, Lowell, MA, James Hogan - PDF
828. First Oklahoma Bank, Tulsa, OK, Thomas Bennett - PDF
829. Zions Bancorporation, Salt Lake City, UT, Doyle Arnold - PDF
830. Americas United Bank, Glendale, CA, Adriana Boeka - PDF
831. US Bancorp, Minneapolis, MN, Kenneth Nelson - PDF
832. Covington & Burling, LLP, Washington, DC, Keith Noreika - PDF
833. Farmers Exchange Bank, Cherokee, OK, Loren Rieger - PDF
834. Ameris Bank, Moultrie, GA, Stephen Melton - PDF
835. First Federal Savings Bank of Twin Falls, ID, Jay Dodds - PDF
836. TransPecos Banks, Pecos, TX, George Musselman - PDF
837. Glacier Bancorp, Inc., Kalispell, MT, Ron Copher - PDF
838. AuburnBank, Auburn, AL, Robert Dumas - PDF
839. Hampden Bank, Springfield, MA, Glenn Welch - PDF
840. Mansfield Bank, Mansfield, MA, John Korona - PDF
841. Reliance Bank, Altoona, PA, Timothy Sissler - PDF
842. United National Bank, Cairo, GA, Charles Stafford - PDF
843. Sterling Bank & Trust, Southfield, MI, Scott Seligman - PDF
844. Flagship Financial Group, Inc., Eden Praire, MN, Roy Terwilliger - PDF
845. Mercantil Commercebank, NA, Coral Gables, FL, Millar Wilson - PDF
846. Hermes Equity Ownership Services, London, UK, Manuel Isaza - PDF
847. Western Commerce Bank, Carlsbad, NM, Mike Hoyl - PDF
848. US House of Representatives - David Scott - PDF
849. Andrea Psoras  - PDF
850. Fishback Financial Corporation, Brookings, SD, Dave Waligoske - PDF
851. The Home Loan Savings Bank, Coshocton, OH, Preston Bair - PDF
852. Wipfli LLP, Milwaukee, WI - PDF
853. Liberty Bank, Middletown, CT, Thomas Pastorello - PDF
854. Peoples Bank Overland, Park, KS - Chris Bornheimer - PDF
855. Futures Industry Association, Washington, DC, Walt Lukken - PDF
856. First Niagara Financial Group, Inc., Buffalo, NY, Gregory W. Norwood - PDF
857. Wells Fargo & Company, San Francisco, CA, John Stumpf - PDF
858. Kansas Bankers Association, Topeka, KS, Charles A. Stones - PDF
859. South Carolina Bankers Association, Columbia, SC, Fred Green - PDF
860. National Association of Mutual Insurance Companies (NAMIC), Washington, DC - PDF
861. United Services Automobile Assn (USAA), San Antonio, TX, Steven Bennett - PDF
862. Flushing Financial Corporation, Lake Success, NY, John Buran - PDF
863. National Affordable Housing Management Association (NAHMA), Alexandria, VA, Kristina Cook - PDF
864. Genworth Mortgage Insurance, Raleigh, NC, Rohit Gupta - PDF
865. National Mortgage Insurance Corporation (NMIC), Emeryville, CA, Bradley Shuster - PDF
866. First Niagara Financial Group, Inc., Buffalo, NY, Gregory Norwood - PDF
867. Small Business Investor Alliance (SBIA), Brett T. Palmer and Tom Hiatt - PDF
868. St. John National Bank, St. John, KS, Nolen G. Taton - PDF
869. Reading Co-operative Bank, Reading, MA, Julieann Thurlow - PDF
870. Bank of Sunset & Trust Company, Sunset, LA, K. Brent Vidrine - PDF
871. Community Bank Coast, Biloxi, MS, Michael Cooper - PDF
872. Marlborough Savings Bank, Marlborough, MA, Joseph Normant - PDF
873. Cocopah Indian Housing and Development, Somerton, AZ, Michael Reed - PDF
874. Community Bankers Association of Ohio, Columbus, OH, Robert Palmer - PDF
875. First United Bank & Trust, Oakland, MD, William Grant - PDF
876. Flagship Bank Minnesota, Wayzata, MN, Steven Droen - PDF
877. FNB Bank, Inc., Romney, WV, Richard R. Hamblin - PDF
878. Merrimack County Savings Bank, Concord, NH, Paul Rizzi - PDF
879. Metuchen Savings Bank, Metuchen, NJ, Edward McGovern - PDF
880. Peoples Bank, Newton, NC, A. Joseph Lampron - PDF
881. Peoples Exchange Bank, Bellville, KS, James Koch - PDF
882. Security First Bank of North Dakota, New Salem, ND, James Goetz - PDF
883. Young & Associates, Inc., Kent, OH, James Kleinfelter - PDF
884. Third Federal Savings and Loan Assn of Cleveland, Cleveland, OH, Jennifer Rosa - PDF
885. Newton County Bank, Newton, MS, William Freeman, Jr. - PDF
886. Liberty Bank of Arkansas, Jonesboro, AR, Roy Reaves - PDF
887. Abington Bank, Abington, MA, Andrew A. Brown - PDF
888. American Bank & Trust Company, Inc., Bowling Green, KY, Timothy Schueler - PDF
889. ABA, SIFMA, and The Financial Services Roundtable, Washington, DC, Hugh Carney, Kenneth Bentsen & Richard Whiting - PDF
890. American Insurance Association, Washington, DC, J. Stephen Zielezienski - PDF
891. American International Group, Inc. (AIG), New York, NY, David A. DeMuro - PDF
892. American Public Gas Association, et al. - PDF
893. Americans for Financial Reform, Washington, DC - PDF
894. ATBancorp, Dubuque, IA, Rory Holscher - PDF
895. Athol Savings Bank, Athol, MA, Daniel J. Zona - PDF
896. Avidia Bank, Hudson, MA, Mark R. O'Connell - PDF
897. Bank of Ann Arbor, MI, Timothy G. Marshall - PDF
898. The Bank of Canton, Canton, MA, William T. Treddin - PDF
899. Bank of Commerce, Chelsea, OK, Adam Anderson - PDF
900. Bank of Cushing, OK, Betty Bryant Shaull - PDF
901. Bank of Hillsboro, MO, Arthur Kniffen - PDF
902. Bank of Keystone, NE, Korey B. Schow - PDF
903. Bank of Morton, MS, Martha J. Rogers - PDF
904. BNY Mellon, Northern Trust, and State Street Corporation, Thomas A. Gibbons, Michael G. O'Grady and Edward J. Resch - PDF
905. Bank of Springfield, Springfield, IL, Tom E. Marantz - PDF
906. Bank of the Pacific, Aberdeen, WA, Ed Ketel - PDF
907. BankPlus, Biloxi, MS, William A. Ray - PDF
908. BayCoast Bank, Fall River, MA, Don Lesage - PDF
909. BayCoast Bank, Fall River, MA, Monica Spach Curhan - PDF
910. BBVA Compass Bancshares, Inc., Birmingham, AL, Manolo Sanchez and Lawrence R. Uhlick - PDF
911. Better Markets, Inc., Washington, DC, Dennis M. Kelleher and Marc Jarsulic - PDF
912. BOK Financial, Tulsa, OK, Martin Grunst - PDF
913. Broadway Bancshares Inc., San Antonio, TX, Christopher J.Bannwolf - PDF
914. Nine Undersigned Organizations - BOMA International, ICOSC, NAA, NAHB, NAIOP, NAREIT, NAR, NMHC, and RER - PDF
915. California Bankers Association, Sacramento, CA, Leland Chan - PDF
916. Cambridge State Bank, Cambridge, MN, Kim Erickson - PDF
917. Canandaigua National Bank and Trust Company, Canandaigua, NY, George W. Hamlin, IV and Frank H. Hamlin, III - PDF
918. CapitalMark Bank & Trust, Chattanooga, TN, R. Craig Holley - PDF
919. Carroll County Trust Company of Carrollton, MO, Benjamin G. Polen - PDF
920. Carrollton Bank, Carrollton, IL, Thomas W. Hough - PDF
921. Centrix Bank & Trust, New Bedford, NH, Joseph B. Reilly - PDF
922. Century Bank of Georgia, Cartersville, GA, Rhonda Massengill - PDF
923. CFG Community Bank, Lutherville, MD, A. Gary Rever - PDF
924. CharterBank, West Point, GA, Curtis R. Kollar - PDF
925. Chicago Mercantile Exchange, Inc., Chicago, IL, Tim Doar - PDF
926. Citizens Bank, NA, Fort Scott, KS, Brian Comstock - PDF
927. Citizens Bank, N.A., Fort Scott, KS, Randy Edge - PDF
928. Citizens State Bank, Somerville, TX, John S. Smith - PDF
929. The Citizens State Bank at Mohall, ND, Vance Undlin - PDF
930. Coalition of Domestic Insurance Companies - Country Financial, et al. - PDF
931. Colorado Association of Realtors, Englewood, CO, Keith Kanemoto - PDF
932. Seven Undersigned Regional Banking Organizations - Comerica Bank, et al. - PDF
933. Commercial Banking Company, Valdosta, GA, Charles A. Beard - PDF
934. Commercial Real Estate Finance Council, Washington, DC, Stephen M. Renna - PDF
935. Community Bank CBD, Delavan, WI, Jon E. Martin - PDF
936. Community Bank Corporation, Chaska, MN, Nancy Aune - PDF
937. Community Bankers Association of Illinois, David G. Schroeder - PDF
938. Conference of State Bank Supervisors, Washington, DC, John W. Ryan - PDF
939. Consumer Bankers Association, Washington, DC, Jeffrey Bloch - PDF
940. Covington & Burling LLP, Washington, DC, Keith A. Noreika [2] - PDF
941. Darling Consulting Group, Newburyport, MA - PDF
942. Denver Metro Chamber of Commerce and Affiliates, Kelly Brough, Tom Clark, Abram Sloss & Sara Cassidy - PDF
943. DM Neuman Construction Co., CO, Gina Neuman - PDF
944. Donegal Mutual Insurance Company, Marietta, PA, Donald H. Nikolaus - PDF
945. Aune CPA Firm, E. Edwin Aune - PDF
946. East Wisconsin Savings Bank, Kaukauna, WI, Charlie D. Schmalz - PDF
947. Eastern Bank, Boston, MA, Richard E. Holbrook - PDF
948. Easton Bank and Trust, Easton, MD, R. Michael S. Menzies, Sr. - PDF
949. Eastwood Bank, Kasson, MN, Paul R. Tieskoetter - PDF
950. Eide Bailly LLP, Minneapolis, MN - PDF
951. Embassy Bank for the Lehigh Valley, Bethlehem, PA, David M. Lobach, Jr.- PDF
952. Essent Guaranty, Inc, Radnor, PA, Adolfo F. Marzol - PDF
953. Essex Savings Bank, Essex, CT, Gregory R. Shook - PDF
954. Exchange National Bank, Atchison, KS, Russell R McCort - PDF
955. F.N.B. Corporation, Hermitage, PA, Vincent J. Delie, Jr. and Vincent J. Calabrese, Jr. - PDF
956. Farmers State Bank, Waterloo, IA, Kathleen J. Brown - PDF
957. Financial Management Services, Inc., Waverly, KS, William D. Williams - PDF
958. Financial Services Roundtable and American Bankers Association, Richard Whiting and Hugh Carney - PDF
959. First Bank, Clewiston, FL, Carey Soud - PDF
960. First Bank, Lexington, TN, Christopher T. Holmes - PDF
961. First Bethany Bank & Trust, Bethany, OK, Jane Haskin - PDF
962. First Choice Bank, Lawrenceville, NJ, Randy Hanks - PDF
963. First Citizens Bancorporation, Inc., Columbia, SC, Craig L. Nix - PDF
964. First Community Bank, Corpus Christi, TX, Sheree Lewis - PDF
965. First Community Bank, Corpus Christi, TX, Teri Owen - PDF
966. First Federal Savings and Loan Assn, Lakewood, OH, Ronald W. Dees, Gary R. Fix, Thomas J. Fraser, W. Charles Geiger and William C. Huffman - PDF
967. First Independent Bank, Aurora, CO, Jack Muench - PDF
968. First Interstate BancSystem, Inc., Billings, MT, Ed Garding - PDF
969. First National Bank & Trust Company of Ardmore, OK, Curtis Davidson - PDF
970. First Northern Bank of Dixon, CA, Louise A. Walker - PDF
971. First Sentinel Bank, Richlands, VA, Matt Stull - PDF
972. First Sentry Bank, Inc., Huntington, WV, Richard D. Hardy - PDF
973. First State Bank, Andarko, OK, Jackie Roberts - PDF
974. First State Bank, Webster City, IA, Brian McLoughlin - PDF
975. First State Bank, Wheatland, WY, Ted L. Bentley - PDF
976. First State Bank Nebraska, Lincoln, NE, Jeff W. Krejci - PDF
977. First State Bank of Brownsboro, TX, Jeffery Fulgham - PDF
978. First State Banking Corporation, Russellville, AR, Charles Blanchard - PDF
979. First Trust Bank, Charlotte, NC, James T. Bolt - PDF
980. Flaherty & Crumrine Incorporated, Pasadena, CA - PDF
981. Flora Bank & Trust, Flora, IL, Dan D. Graham - PDF
982. Florida Bankers Association, Tallahassee, FL, Alex Sanchez - PDF
983. Founders Financial Corporation, Grand Rapids, MI, Laurie Beard and Gregory S. Conway - PDF
984. Freedom Bank, Inc., Belington, WV, Terri Kittle - PDF
985. Fremont Bank, Fremont, CA, Michael J. Wallace - PDF
986. General Electric Capital Corporation (GE Capital), Norwalk, CT, David Nason - PDF
987. Gilmore Bank, Los Angeles, CA, Douglas C. Spencer - PDF
988. Glenda Gillette - PDF
989. Guaranty Bancorp, Denver, CO, Paul W. Taylor - PDF
990. Hawthorn Bank, Jefferson City, MO, Kathleen L. Bruegenhemke - PDF
991. Heartland Bank, Somers, IA, Kevin M. Black - PDF
992. Heartland Community Bankers Association, Topeka, KS, James R. Taylor - PDF
993. High Country Bank, Salida, CO, Larry D. Smith - PDF
994. Hometown Bank, Webster, MA, Matthew S. Sosik - PDF
995. Idaho Department of Finance, Boise, ID, Gavin Gee - PDF
996. Illinois Department of Financial and Professional Regulation, Chicago, IL, Susan J. Gold - PDF
997. Independence Bank, Greenwich, RI, Robert A. Catanzaro - PDF
998. Independent Community Bankers of America, Washington, DC, Christopher Cole - PDF
999. Independent Community Bankers of America (ICBA), Washington, DC, Camden R. Fine - PDF
1000. Indiana Bankers Association, Indianpolis, IN, S. Joe DeHaven - PDF
1001. International Bank of Chicago, Chicago, IL, Donald Stahl - PDF
1002. Investment Company Institute, Washington, DC, Karrie McMillan - PDF
1003. Jacy Bolton - PDF
1004. James Polk Stone Community Bank, Portales, NM, John Ledbetter - PDF
1005. Jill Mattson - PDF
1006. Landmark Bank, NA, Columbia, MO, Stephen E. Guthrie - PDF
1007. Landmark National Bank, Manhattan, KS, Patrick L. Alexander - PDF
1008. Luse Gorman Pomerenk & Schick, Washington, DC - PDF
1009. Magnolia State Bank, Bay Springs, MS, Marcus R. Robinson - PDF
1010. Maryland Bankers Association, Annapolis, MD, Kathleen Murphy - PDF
1011. Massachusetts Housing Partnership, Boston, MA, Clark L. Ziegler - PDF
1012. MB Schoen & Associates, Fargo, ND, Tradyn Foley - PDF
1013. McClain Bank, Purcell, OK, Donald N. Sherman, II - PDF
1014. Mechanics Bank, Richmond, CA, Steven K. Buster - PDF
1015. MetLife, Nicholas D. Latrenta - PDF
1016. Mid Penn Bancorp, Inc., Millersburg, PA, Edward Williams - PDF
1017. Midtown Bank & Trust Company, Atlanta, GA, R. Stanley Kryder - PDF
1018. Misty - PDF
1019. Morgan Stanley, Candice Koederitz - PDF
1020. Mortgage Insurance Companies of America, Washington, DC, Suzanne C Hutchinson - PDF
1021. Mosaic Collateral Asset Management, Inc., Charlottesville, VA, David J. Pratt - PDF
1022. Mountain West Financial Corp., and Mountain West Bank, N.A., Helena, MT, Rick Hart and Richard Morgan - PDF
1023. Mutual of Omaha Insurance Company, Omaha, NE, David A. Diamond - PDF
1024. Nathan Purdome - PDF
1025. National Association of Home Builders, Washington, DC, David L. Ledford - PDF
1026. National Association of Industrial Bankers, Frank Pignanelli - PDF
1027. National Association of Insurance Commissioners, Washington, DC, Kevin M. McCarty and Therese M. Vaughan, Ph.D - PDF
1028. National Association of Realtors, Washington, DC, Maurice "Moe" Veissi - PDF
1029. Five Undersigned Organizations - Mortgage Bankers Association, et al. - PDF
1030. National Council of State Housing Agencies, Garth Rieman - PDF
1031. Naugatuck Savings Bank, Naugatuck, CT, David W. Nurnberger - PDF
1032. Nebraska Bankers Association, Lincoln, NE, George Beattie - PDF
1033. New Hampshire Bankers Association, K. Mark Primeau - PDF
1034. New Horizon Bank, NA, Powhatan, VA, Kathy H. Grasty - PDF
1035. North Akron Savings Bank, Akron, OH, Tracy Jensen - PDF
1036. North Dakota Bankers Association, Bismarck, ND, Rick Clayburgh - PDF
1037. Northwest Financial Corp, Arnolds Park, IA, Dwight K. Conover and Jeff Plagge - PDF
1038. Northwoods Bank of Minnesota, Park Rapids, MN, Mark Hewitt - PDF
1039. Norway Savings Bank, Norway, ME, Patricia W. Weigel - PDF
1040. Office of Advocacy of the U.S. Small Business Administration, Winslow Sargeant, Chief Counsel for Advocacy, and Jennifer A. Smith, Assistant Chief Counsel for Economic Regulation and Banking - PDF
1041. Ohio Bankers League, Jeffrey D. Quayle - PDF
1042. Optima Bank & Trust Company, Portsmouth, NH, Daniel Morrison - PDF
1043. Oregon Bankers Association, Salem, OR, Linda W. Navarro - PDF
1044. Patriot Bank, Broken Arrow, OK, Michael E. Bezanson - PDF
1045. Paul Hastings LLP, Washington, DC, Kevin L. Petrasic - PDF
1046. Paul O'Neill - PDF
1047. Pennsylvania Bankers Association, Harrisburg, PA, James R. Biery - PDF
1048. Pentucket Bank, Haverhill, MA, Scott D. Cote - PDF
1049. People Savings Bank, Indianola, IA, Weston D. Rodgers - PDF
1050. Peoples Savings Bank, Indianola, IA, Ryan M. Sievers - PDF
1051. Pineland State Bank, Metter, GA, Richard S. Williams - PDF
1052. PlainsCapital Corporation, Dallas, TX, Alan B. White - PDF
1053. Premier Business Bank, Los Angeles, CA, John R. Polen - PDF
1054. Principal Financial Group, Des Moines, IA, Terrance J. Lillis - PDF
1055. Property Casualty Insurers Association of America, Des Plaines, IL, James M. Olsen - PDF
1056. Public Citizen's Congress Watch, Bartlett Naylor - PDF
1057. Randolph Savings Bank, Randolph, MA, John J. Doyle, Jr. and Phillip J. Carnevale - PDF
1058. Revere Bank, Laurel, MD, Carrie Quinn - PDF
1059. Salisbury Bank and Trust Company, Lakeville, CT, Richard J. Cantele, Jr. and B. Ian McMahon - PDF
1060. Saugusbank, Saugus, MA, Kevin M. Tierney, Sr. - PDF
1061. Savannah River Banking Company, Aiken, SC, J. Randolph Potter - PDF
1062. Securities Industry and Financial Markets Association (SIFMA), Michael Decker - PDF
1063. United States Senate, Jerry Moran, et al. - PDF
1064. United States Senate, Sherrod Brown, et al. - PDF
1065. Small Business Investor Alliance, Washington, DC, Brett T. Palmer and Andrew Jacobson - PDF
1066. Spectrum Asset Management, Inc., Phil Jacoby - PDF
1067. Spencer Savings Bank, Spencer, MA, K. Michael Robbins - PDF
1068. State Bank of Missouri, Concordia, MO, Darren Wodrich - PDF
1069. State Bank of Southern Utah, Cedar City, UT, Eric J. Schmutz - PDF
1070. State of Colorado, Denver, OH, John W. Hickenlooper - PDF
1071. State of Nebraska Department of Banking and Finance, Lincoln, NE, John Munn - PDF
1072. Tennessee Bankers Association, Nashville, TN, Brad Barrett - PDF
1073. Teton Banks, Fairfield, MT, Mike Johnson - PDF
1074. THE BANK - Oldham County, Inc., Lagrange, KY, Stephen Norton - PDF
1075. The Bank of Advance, MO, Adam Rainey - PDF
1076. The Bank of Canton, Canton, MA, Rhonda L. Kale - PDF
1077. The Bank of Canton, Canton, MA, Lori J. Webber - PDF
1078. The Bank of Vernon, Vernon, AL, Andy Johnson and Sammy Johnson - PDF
1079. The Citizens National Bank of Quitman, GA, Neal R. Bradley - PDF
1080. The Commercial and Savings Bank of Millersburg, Ohio, Eddie Steiner - PDF
1081. The First National Bank of Ballinger, TX, Pam Halfmann - PDF
1082. First National Bank of Gilbert, MN, Matthew C, Uhan - PDF
1083. The Goldman Sachs Group, Inc., New York NY, Sarah Smith - PDF
1084. The Home Loan Savings Bank, Coshocton, OH, Kyle Hamilton - PDF
1085. The New Washington State Bank, New Washington, IN, Mark Munzer - PDF
1086. The Nodaway Valley Bank, Maryville, MO, James G. Robinson and R. Cort Hegarty - PDF
1087. The Peoples Bank, Biloix, MS, Chevis C. Swetman - PDF
1088. The Tri-County Bank, Stuart, NE, Jon D. Schmaderer - PDF
1089. The Union State Bank of Everest, KS, Steven J. Handke - PDF
1090. Thomasville National Bank, Thomasville, GA, Ivan E. Crocker - PDF
1091. TIAA-CREF, New York, NY, Brandon Becker - PDF
1092. TNBANK, Oakridge, TN, Thomas E. Tuck & Kenneth F. Scarbro - PDF
1093. Todd Taylor, Attorney At Law, PLLC, Oklahoma City, OK - PDF
1094. Triumph Bank, Germantown, TN, William J. Chase, Jr. - PDF
1095. Trustmark Corporation, Jackson, MS, Gerard R. Host - PDF
1096. Ty Palmer - PDF
1097. Umpqua Holdings Corporation, Roseburg, OR, Steven Philpott - PDF
1098. Union Bank, NA, San Francisco, CA, John F. Woods - PDF
1099. Utah Bankers Association, Salt Lake City, UT, Howard Headlee - PDF
1100. Valley Bank, Moline, IL, Dennis H. Hanson - PDF
1101. Venture Bank, Bloomington, MN, Gwen Stanley - PDF
1102. Warren Bank & Trust Company, Warren, AR, James Smith, Gerald Burton, Kerry Pennington, Carlton Davis, Donnie Bryant, Kelly Ashcraft, Hunter Johnson and John Frazer - PDF
1103. Washington State Senate, Nick Harper - PDF
1104. Webster Bank, NA, Waterbury, CT, Glenn I. Maclnnes - PDF
1105. Whitesville State Bank, Whitesville, WV, Amanda Farley - PDF
1106. Wyoming Bank & Trust, Cheyenne, WY, Jeffrey C. Wallace - PDF
1107. American Bank, NA, Woodway, TX, Willard J. Still - PDF
1108. Staff Disclosure: Meeting with the The Clearinghouse (TCH) - PDF
1109. Sydney Sherrid - PDF
1110. Robert Rutkowski - PDF
1111. United Community Banks, Inc., Blairsville, GA, Alan Kumler - PDF
1112. Monterey County Bank, Monterey, CA, Charles T. Chrietzberg, Jr - PDF
1113. Staff Disclosure: Meeting with the Mortgage Bankers Association - PDF
1114. Mortgage Bankers Association, et al. - PDF
1115. Staff Disclosure: Meeting with representatives from the American Bankers Association and Subchapter S Bank Association, Inc. - PDF
1116. Chairman Carl Levin, US Senate Permanent Subcommittee on Investigations - PDF
1117. Staff Disclosure: Meeting with insurance companies regarding proposed rulemakings - PDF
1118. Staff Disclosure: Meeting with Representatives from Morgan Stanley - PDF
Comments and Staff Disclosures Applicable to AD95 and AD96
01. Bank of the Bluegrass & Trust Co., Lexington, KY, Ellen Louise Jett Mills - PDF
02. First Citizens State Bank, Whitewater, WI, Jim Caldwell - PDF
03. Jett Title, Lexington, KY, M. Monroe Jett - PDF
04. United Bank,Atmorc, AL, Robert Jones, III - PDF
05. Valley Bank, Roanoke, VA, Kimberly Snyder - PDF (2)
06. BancFirst Corporation, Oklahoma City, OK, David Rainbolt - PDF
07. Performance Trust Capital Partners, Chicago, IL, W. Bartow Smith, Jr. Richard Berg, and Philip Nussbaum - PDF
08. Valley Bank, Roanoke, Virginia, Kevin Meade - PDF
09. First Bank and Trust of Childress, Childress, TX, Larry Johnson - PDF
10. Peoples Savings Bank, Glen Allen Wood, Indianola, IA - PDF
11. Security Bank of the Ozarks, Eminence, MO, Jeff Williams - PDF
12. Home State Bank, Loveland, CO, Jack Devereaux, Jr. - PDF
13. Bank of Turtle Lake, Turtle Lake, WI, Patrick Wick - PDF
14. Crossroads Bank, Wabash, IN , Ronald Kerby - PDF
15. Santa Barbara Bank & Trust, Santa Barbara, CA, Daniel Yu - PDF
16. Fort Davis State Bank, Fort Davis, TX, Jim Dyer - PDF
17. Premier Bank of the South, Cullman, AL, Jay Mullins - PDF, Supplement Comment - PDF
18. Logan County Bank, Scranton, AR, Joseph Fritsche - PDF (4)
19. American Business Bank, Los Angeles, CA, Wes Schaefer - PDF
20. Elderton State Bank, Elderton, PA, Sally Anderson - PDF, Supplement Comment - PDF
21. Stafford Savings Bank, Stafford Springs CT, Michael Muzio - PDF
22. United-American Savings Bank, Pittsburgh, PA, Tom Smith - PDF
23. The Bank of Dudley, Dublin, GA, Jason Dollar - PDF
24. Escambia County Bank Flomaton, AL, James Jones - PDF
25. First National Bank in Graham, Graham, TX, Kyle Peavy - PDF
26. First State Bank of Dekalb County, Fort Payne, AL, David Henderson - PDF
27. CB&S Bank, Russellville, Alabama, Dennis Upchurch - PDF
28. State National Bank of Texas, Iowa Park: TX, Bert Williamson - PDF
29. First National Bank ofthe Rockies, Grand Junction CO, Peter Waller - PDF
30. Community Bankers Association of Illinois, Springfield, IL, David Schroeder - PDF
31. Green Belt Bank & Trust, Iowa Falls, IA, Mark Allan Noll - PDF
32. Valley Bank, Roanoke, VA, Jerry Bradley - PDF
33. Northland Financial, Bismarck, ND, Greg Schwab - PDF

34. Genesee Regional Bank, Rochester, NY, Gary Schwingel - PDF

35. Staff Disclosure: Community Bank Capital Outreach Programs - PDF
36. Cashmere Valley Bank, Cashmere, WA, Keneth Martin - PDF
37. First Capital Bank, Midland, TX, Ken Burgess, Jr. - PDF
38. First Security Bank, Sioux FaIIs, SD, Blair Folkens - PDF
39. Grand Bank, Dallas, TX, Lee Dinkel - PDF (2)
40. Guaranty Bank & Trust Co., Delhi, LA, Albert Christman - PDF
41. Incommons Bank, Mexia, TX, Brad Butler - PDF (7)
42. Pegasus Bank, Dallas, TX, Joe Goyne - PDF
43. Richland State Bank, Rayville, LA, Je me Vascocu - PDF
44. Settlers Bank, Windsor, WI, Heather Longhenry - PDF
45. Susquehanna Bancshares, Inc, Lititz, PA, Drew Hostetter - PDF
46. Independent Bankers Association of Texas, Austin, TX, Christopher Williston - PDF
47. Welch State Bank, Welch, OK, James Stoner - PDF (2)
48. Rabun County Bank, Clayton, GA, Johnny Irvin - PDF
49. Lloyd Amundson, Sious Falls, SD - PDF, Supplement Comment- PDF
50. Bank of the Valley, Bellwood, NE, Larry McPhillips - PDF
51. Blackhawk Bank & Trust, Milan, IL, James Huiskamp - PDF
52. Blackhawk Bank & Trust, Milan, IL, Frank, Vretis - PDF
53. Blackhawk Bank & Trust, Milan, IL, W. Gerard Huiskamp - PDF
54. Elderton State Bank, Elderton, PA, Ray Sleppy - PDF
55. 1st National Bank, Alamogordo, NM, James Lynch III - PDF (17)
56. United Labor Bank, Oakland, CA, Malcolm Hotchkiss - PDF
57. Horizon Bank, Michigan City, IN, James Neff - PDF
58. New West Bank, Greeley, CO, William Hertneky - PDF (2)
59. North State Bank, Raleigh, NC Sandra Temple - PDF
60. Peoples Independent Bank, Boaz, AL, Royce, Ogle - PDF
61. Vantage Bank, Albertville, AL, Lowell Galloway - PDF
62. North State Bank, Raleigh, NC, Brian Hedges - PDF
63. Four Corners Community Bank, Farmington, NM, Barry Hansen - PDF
64. Bank of Eastern Oregon, Heppner, OR, Gary Propheter - PDF
65. Staff Disclosure: Community Development Bankers Association and representatives of that organization's member banks - PDF
66. Missouri Independent Bankers Association, Jerry Sage - PDF
67. American Planning Corporation, Baton Rouge, LA, T. Jefferson Fair - PDF
68. Form Letter 1 (22)
69. TrustTexas Bank SSB, Cuero, TX, Jay Howard - PDF
70. Shelby Savings, Center, TX Will Lucas - PDF
71. Lee Bank, Lee, MA, David Bruce - PDF, Supplement Comment - PDF
72. FirstBank Holding Company, Lakewood, CO, Donald L. Thuente - PDF
73. TIB-The Independent BankersBank, Irving, TX, Michael O'Rourke - PDF
74. First Security Bank, Detroit Lakes, MN, Rod Einerson - PDF
75. Farmers &Merchants State Bank, Waterloo, WI, William Hogan - PDF
76. Commercial Bank, Parsons, KS, Philip Eaton - PDF
77. Seifried & Brew, LLC, Allentown, PA, Jay Brew and Edmond Seifried - PDF
78. Artesia National Bank, Artesia, NM, Mike Hendricks - PDF
79. Leroy Zapalac - PDF
80. Magyar Bank, New Brunswick, NJ, John Fitzgerald - PDF
81. Welch State Bank, Welch, OK, Charles Stoner - PDF
82. ATBancorp, Dubuque, IA, Nicholas Schrup - PDF
83. First State Bank, New London, WI, Robert Van Asten - PDF
84. Alpine Bank, Glenwood Springs. CO, Eric Gardey - PDF, Supplement Comment - PDF
85. ATBancorp, Dubuque, IA, Robert Donovan - PDF
86. Alliance Bank, Mondovi, WI, Frank Servais - PDF
87. Citizens Bank & Trust, Guntersville, AL, Robert Weathers - PDF (16)
88. First Farmers State Bank, Bloomington, IL, Craig Peine - PDF (15)
89. Commerce Union Bank, Springfield, TN, William DeBerry and William Murray - PDF
90. Hertitage State Bank, Nevada, MO, Rob Barrett - PDF
91. First Security Bank, Lamberton, MN, Michael Bents - PDF
92. Capital Bank, St. Paul, MN, Michael Remmers - PDF
93. Morris Bank, Dublin, GA, Chris Bond - PDF
94. Texas Heritage Bank, Boerne, Texas, Steven Mack - PDF
95. Welch State Bank, Miami, OK, Bruce Cook - PDF
96. United American Bank, San Mateo, CA, John Schrup - PDF
97. 1st Bank, Yuma AZ, Blake DeWitt - PDF
98. United Bancorporation, Osseo, WI, Greg LeGare - PDF
99. Risk Management Association, Community Bank Council, Philadelphia, PA, Edward DeMarco, Jr., Robert Messer, and Lisa McBride - PDF
100. Old Point National Bank, Hampton, VA, Laurie Grabow - PDF
101. Premier Community Bank, Marion, WI, Thomas Pamperin - PDF (2)
102. Lincoln Community Bank, Merrill, WI, Robert Roe - PDF
103. Alpine Bank, Glenwood Springs, CO, Kent Wilson - PDF (6), Supplement Comment - PDF
104. Spring Bank, Brookfield, WI, David Schuelke - PDF
105. Alpine Bank, Aspen, CO, Scott Gordon - PDF
106. Spring Bank, Brookfield, WI, Greg Mieske - PDF
107. Bank of Prairie du Sac, Prairie du Sac, WI, Mike Jones - PDF
108. Pine River Valley Bank, Bayfield, CO, Donna Johnson - PDF
109. The Stephenson National Bank, Marinette, WI, David C. Meyer - PDF
110. First Capital Bank, Glen Allen, VA, John Presley - PDF (2)
111. The Jefferson Bank, Greenville, Mississippi, Todd Turner - PDF
112. Community National Bancorporation, Waterloo, IA, Josef M. Vich - PDF
113. First State Bank of Joplin, Joplin, MO, John Lopes - PDF
114. Community Savings Bank, Earlville, IA, Michelle Carton - PDF, Supplement Comment - PDF
115. L.A. Amundson Investments, Benson, MN, Mark Kettelkamp - PDF
116. Miami Savings Bank, Miamitown, OH, Michael Moeller - PDF
117. Orange Savings Bank, SSB, Orange, TX, Janet Barden - PDF
118. Patterson State Bank, Patterson, LA, Robert Watson - PDF
119. PlantersFirst, Cordele, GA, Wayne Wetherington - PDF
120. SI Financial Group, INC., Willimantic, CT, Rheo Brouillard - PDF
121. Marion Bank & Trust Company, Marion, AL, E.R. Richardson - PDF (4)
122. Clifton Savings Bank, Clifton, NJ, John Celentano, Jr. - PDF
123. North Carolina Bankers Association, Raleigh, NC, Thad Woodard - PDF
124. Bank Orion, Orion, IL, James Dingman - PDF (11)
125. Centera Bank, Sublette, KS, Michael Stevens - PDF
126. Community Guaranty Savings Bank, Campton, NH, Michael Long - PDF
127. First National Bank, Walnut Ridge, Milton Smith - PDF
128. Macon Bank, Franklin, NC, Marcia Ringle - PDF (6), Supplement Comment - PDF, Supplement Comment - PDF
129. Union State Bank, Arkansas City, KS, William Docking - PDF
130. Wynn Construction, Creedmoor, NC, William Wynn - PDF
131. The Bank of Kaukauna, Kaukauna, WI, Paul Bachhuber - PDF
132. PR Mortgage & Investment Corporation, Carmel, IN, Michael Petrie - PDF
133. The Bank of Tampa, Tampa. FL, James Schoolfield - PDF (33)
134. Overton Financial Corporation, Overton, TX, Rogers Pope, Jr. - PDF
135. BNA Bank, New Albany, MS, James Collins - PDF
136. Steele Street Bank & Trust, Denver, CO, Brian Wilkinson - PDF
137. HomeStreet Bank, Seattle, WA, Mark Mason - PDF
138. Alpine Bank, Telluride, CO, Andrew Karow - PDF
139. MidWestOne Financial Group, Inc., Iowa City, IA, Charles S. Howard - PDF (6)
140. The First State Bank of Munich, Munich, ND, John E. Vollmer - PDF
141. United Valley Bank, Cavalier, ND, Tim Siegle - PDF
142. Traditions Bank, Dade City, FL, Mike Ward - PDF
143. Pinnacle BankCorp, Inc, Omaha, NE, Mark Hesser - PDF
144. Lea County State Bank, Hobbs, NM, Samuel Spencer - PDF
145. Franklin Federal Savings Bank, Glen Allen, VA, Richard Wheeler, Jr. - PDF
146. Town & Country Bank, Las Vegas, NV, Philip Burns - PDF
147. Hastings City Bank, Hastings, MI, Joan Heffelbower - PDF
148. Community Spirit Bank, Red Bay, AL, Brad Bolton - PDF
149. Alpine Bank, Glenwood Springs, CO, Glen Jammaron - PDF
150. Washington Trust Bank, Spokane, WA, Larry Sorensen - PDF
151. Borrego Springs Bank, N.A., La Mesa, CA, William Ruhlman, II - PDF
152. Colorado Concern, Denver, CO, Tamra Ward - PDF
153. Alpine Bank, New Castle, CO, R.Bruce Robinson - PDF
154. Merchants Bank of Indiana, Carmel, IN, Randall Rogers - PDF
155. Team Capital Bank, Branchburg, NJ, Alfred Marquis, Jr. - PDF (9), Supplement Comment - PDF
156. Industry State bank, Industry, TX, J. Doak Hartley - PDF (7)
157. Citizens State Bank, Buffalo, TX, Richard Mays - PDF (4)
158. Anchor State Bank, Anchor, IL, James Eckert - PDF
159. Sterne, Agee & Leach, Inc., Birmingham, AL, James Holbrook, Jr.- PDF
160. PeoplesBank, York, PA, Jann Weaver - PDF
161. Donald Rickles - PDF
162. Washington State Bank, Washington, IL, Don Twaddle - PDF
163. The Bank & Trust, ssb, Del Rio, TX, Sid Cauthorn - PDF, Supplement Comment - PDF
164. Colorado Association of Mechanical & Plumbing Contractors, Denver, CO, David Davia - PDF
165. Liberty Savings Bank, F.S.B., Wilmington, OH, Suzan Kranjc - PDF
166. KeySavings Bank, Wisconsin Rapids, WI, Lawrence Schmick - PDF
167. Staff Disclosure: American Bankers Association - PDF
168. Oklahoma Bankers Association, Oklahoma City, OK , Roger Beverage - PDF
169. Williamstown Bank, Inc., Williamstown, WV, W.R. Butcher - PDF
170. Brenham National Bank, Brenham, TX, Tieman Dippel, III - PDF
171. Oak Bank, Fitchburg, WI, Terry Taylor - PDF
172. Marine Bank, Springfield, IL, Kathy Seadler - PDF
173. Commerce State Bank, West Bend, WI, Joseph Fazio III - PDF
174. Starion Financial Mandan, Mandan, ND, Jay Feil - PDF
175. 1st Southwest Bank, Alamosa, CO, David Broyles - PDF
176. Withdrawn
177. New Market Bank, Lakeville, MN, Robert Vogel - PDF
178. Veritex Community Banking, Dallas, TX, Malcolm Holland - PDF
179. Executive Council of State Community Bankers Associations (CCBA), Newport Beach, CA, David Haithcock - PDF
180. NorthviewBank, Finlayson, MN, Ron Carlson - PDF
181. First National Bank, Cloverdale, IN, Jennifer Jackson - PDF
182. Baybank, Gladstone, MI, Don St.Germaine - PDF
183. Bank Midwest, Spirit Lake, IA, Stephen Goodenow - PDF (4)
184. First Southeast Bank, Haramony, MN, Christopher Skaalen - PDF
185. BankVista, Sartell, MN, Stefan Freeman - PDF
186. Pioneer Bank, Sioux City, IA, Kelly Florke - PDF
187. Northwoods State Bank, Mason City, IA, Kary Paulson - PDF (2)
188. First State Bank, Waynesboro, MS, Joel Clements - PDF
189. Community Bank and Trust, Waco, TX, William David Lacy - PDF
190. Equitable Bank, S.S.B., Wauwatosa, WI - PDF (7)
191. Security State Bank, Iron River, WI - PDF (5)
192. Rawlins National Bank, Rawlins WY, Richard Chenoweth - PDF
193. Community Bancorp., Derby, VT, Stephen Marsh - PDF
194. Andover Bank, Andover, OH, Edward Debevec - PDF
195. Pilgrom Bank, Mt. Pleasant, TX, Lanny Brenner, Richard Strudthoff, Jerry Webster, Brent Woodruff, Charlotte Brewer, Eve Owens, and Eva Thomas- PDF
196. F&M Bank, West Point, NE, Jason Smith - PDF
197. BankWest, Inc., Charles Burke III - PDF
198. Guaranty Bank, Springfield, MO, Shaun Burke - PDF
199. Farmers Bank, Frankfort, IN, Paul Cox - PDF
200. Miners National Bank of Eveleth, Eveleth, MN, Girard Hoel - PDF
201. Vermont Bankers Association, Inc., Montpelier, VT, Christopher D 'Elia - PDF
202. Wisconsin Bankers Association, Madison, WI, Rose Poels - PDF
203. MountainOne Financial Partners, North Adams, MA, Thomas Leavitt - PDF
204. Drummond Community Bank, Cedar Key, FL, Heath Davis - PDF
205. American National Bank of Texas, Terrell, TX, Robert Messer - PDF
206. Ballston Spa National Bank, Ballston Spa, NY, Christopher Dowd - PDF
207. Velocis, Dallas, TX, Mike Lewis - PDF
208. LCH.Ciearnet Group Limited, London, Ian Axe - PDF
209. Louisiana Bankers Association, Robert Taylor - PDF
210. Manhattan Bank, Manhattan, MT, Robert DeWit - PDF
211. New Mexico Bankers Association, Albuquerque, NM, John Anderson - PDF
212. Illinois League of Financial Institutions, Springfield, IL, Jay Stevenson - PDF
213. Virginia Bankers Association, Glen Allen, VA, Bruce Whitehurst - PDF
214. State Corporation Commission Bureau of Financial Institutions, Richmond, VA, E. J. Face, Jr. - PDF
215. New Jersey Bankers Association, Cranford, NJ, John McWeeney Jr. - PDF
216. First Financial Bank, Cleburne, TX, Tom O'Neil - PDF
217. CNB Bank & Trust, N.A., Carlinville, IL, Tom DeRobertis - PDF
218. Bank of Dooly, Vienna, GA, Neil Joiner - PDF
219. Citizens Savings and Loan Association, FSB, Leavenworth, KS, Ronald Romig - PDF
220. Ozarks Federal Savings & Loan Association, Farmington, MO, Michele King - PDF, Supplement Comment - PDF
221. Litchfield Bancorp, Litchfield, CT, Thomas Villanova - PDF
222. The Bankers Bank, Oklahoma City, OK, Don Abernathy, Jr. - PDF
223. First American Bank, Artesia, NM, Brett Mills - PDF
224. AmBank, Silver City, NM, Brett Mills - PDF
225. First National Bank, Battle Lake, MN, Larry Doss - PDF
226. State Savings Bank, West Des Moines,, IA, Tim Wolf - PDF
227. Exchange State Bank, Lanark, IL, John Nelson - PDF
228. Bank of Bennington, Bennington, NE, Leslie Andersen - PDF
229. Gateway Bank, Mendota Heights, MN, Bruce J. Downey - PDF
230. Southbridge Savings Bank, Southbridge, MA, Phillip Pettinelli - PDF
231. First State Bank, Wrens, GA, Haynes Standard, Jr. and Joseph Gore - PDF
232. First State Bank, Grandfield, OK, John Simon, Jr. - PDF
233. Southern Bank, Sardis, GA, J. Preston Conner - PDF
234. Farmers State Bank, Algona, IA, Sean Noonan, Jack Geelan, Bruce Hackbarth, Stuart Simonson, and Jack Limbaugh - PDF
235. Farmers & Merchants Bank, Miamisburg, OH, Shon Myers - PDF
236. Northeast Security Bank, Sumner, IA, Benjamin Pagel - PDF
237. Vining Sparks, Memphis, TN, Daniel Stimpson - PDF
238. State Fann Mutual Automobile Insurance Company, Bloomington, IL, Jeffrey Jackson - PDF
239. Virginia Association of Community Banks, Richmond, VA, Patricia Satterfield - PDF
240. High Country Bank, Salida, CO, Joe Smith - PDF, Supplement Comment - PDF, Supplement Comment - PDF
241. Pioneer Bank & Trust, Spearfish SD, Joseph Anglin - PDF
242. West Alabama Bank, Reform, AL, William Finney - PDF
243. First National Bank of Pandora, Todd Mason - PDF
244. Georgia Banking Company, Atlanta, GA, R. Elliott Miller - PDF
245. First National Bank of Waterloo, Waterloo, IL, Gary Hemmer - PDF
246. Port Richmond Savings, Philadelphia, PA, Sidney Smith - PDF
247. Pinnacle Bank, Greenville, SC, David Barnett - PDF
248. Clear Lake Bank & Trust Company, Clear Lake, IA, Ray Hewitt - PDF
249. M&F Bank, Kosciusko, MS, Hugh Potts, Jr. - PDF
250. Alma Exchange Bank & Trust, Alma, GA, Lawrence Bennett - PDF
251. Bristol County Savings Bank, Taunton, MA, Patrick Murray, Jr. - PDF
252. Beverly Cooperative Bank, Beverly, MA, Robert Mitchell, Jr. - PDF
253. Mound City Bank, Platteville, WI, Robert Just, Jr. - PDF
254. Richland Bank, Mansfield, OH, John Brown - PDF
255. Greenfield Co-operative Bank, MA, Michael Tucker - PDF
256. First Federal Savings of Middletown, Monroe, NY, Margaret R Smith - PDF
257. Bank Independent, Sheffield AL, Macke Mauldin - PDF
258. The Milton Banking Company, Wellston, OH, John Jones - PDF
259. Oklahoma Bank & Trust Company, Clinton, OK, Pamela Lafleur - PDF
260. Continental Bancorporation,, Salta Lake City, UT, Nathan Morgan - PDF
261. South Dakota Bankers Association, Pierre, SD, Curt A. Everson - PDF
262. U.S. Congress, Gwen Moore, Sean Duffy, Ron Kind, Tom Petri, Reid Ribble, anmd F. James Sensenbrenner, Jr. (Wisconsin) - PDF
263. BankFirst Financial Services, Columbus, MS, E.G. Flora, III - PDF
264. The Colorado Bankers Association, Denver CO, Don A. Childear - PDF
265. Horicon Bank, Horicon, WI, Byron Pyzik - PDF
266. The Village Bank, Auburndale, MA, Kenneth Brennan - PDF
267. German-American State Bank, Pecatonica, IL, Jeffrey Sterling - PDF
268. Independence State Bank, Independence, WI, LaVerne Michalak - PDF (2)
269. Sevier County Bank, Sevierville, TN, Kevin Mullins - PDF
270. First National Bank, Okawville, IL, Dennis Hesker - PDF
271. First Minnesota Bank, Minnetonka, MN, Lowell Wakefield - PDF
272. TowneBank, Suffolk, VA, Clyde McFarland, Jr. - PDF
273. Southside Bank, Tyler, TX, Lee Gibson - PDF
274. People's Bank, Carlisle, IA, Donald Bartholomew - PDF
275. Raymond Federal Bank, Raymond, WA, John Marvin - PDF
276. State Bank of Lakota, Lakota, ND, Bruce Anderson - PDF
277. Chattahoochee Bank of Georgia, Gainesville, GA, C.J. Lail, Jr. - PDF
278. BlackRidgeBANK, Fargo, ND, Sean Burian - PDF
279. First State Bank and Trust, Tonganoxie, KS, William Grant, Jr. - PDF
280. Citizens & Northern Bank, Wellsboro, PA, Charles Updegraff, Jr. - PDF
281. First State Bank and Trust Company, Inc., Caruthersville, MO, Gordon Waller - PDF
282. Bank of Clarendon, Manning, SC, William Buyck - PDF
283. Community National Bank, Hondo, TX, Thomas Wooten - PDF
284. Simsbury Bank, Simsbury, CT, Martin Geitz - PDF
285. First Financial Bank, N.A., Cincinnati, OH, Claude Davis - PDF
286. Northampton Cooperative Bank, Northampton, MA, Lucille Cernak - PDF
287. Legends Bank, Linn, MO, John Klebba - PDF
288. First Reliance Bank, Florence, SC, Jeffrey Paolucci - PDF
289. The Northumberland National Bank, Northumberland, PA, J. Donald Steele, Jr. - PDF
290. Peoples State Bank, Albia, IA, Kevin Kness - PDF
291. Peoples Bank of the Ozarks, MO, Richard Wilson - PDF
292. Community National Bank, Hondo, TX (10)
293. Valley Bank & Trust, Brighton, CO, Douglas Scherrer - PDF (26)
294. Brookline Bancorp, Inc., Brookline, MA, Julie Gerschick - PDF
295. Bank of New Glarus, New Glaus, WI, Glenn Marass - PDF (9)
296. First National Bank, Ruston, LA, Brandon Norris - PDF (7)
297. Lawrenceburg Federal Bank, Lawrenceburg, TN (6)
298. Independence State Bank, Independence, WI, Dennis Meyer - PDF (9)
299. Security Bank, New Auburn, WI, Willard Ogren - PDF (3)
300. Great Plains National Bank, Elk C!tv. OK, Terri Mefford - PDF
301. First City Bank of Florida, Fort Walton Beach, FL, John McGee - PDF
302. Grand Bank, Hattiesburg, MS, Edward Langton - PDF
303. First Shore Federal, Salisbury, MD, Martin Neat - PDF
304. First United Bank.and Trust, Earlington, KY, Karen Glenn - PDF
305. FirsTier Bank, Kimball NE, Michael Nelson - PDF
306. Quail Creek Bank, N.A., Oklahoma City, OK, J. David Davenport - PDF
307. Potomac Bancshares, Inc., Charles Town, WV, Dean Cognetti - PDF
308. Carlinville National Bank Shares, Inc., Carlinville, IL, James Ashworth - PDF
309. First National Bank of Hampton, Hampton, IA, Cindy Mollenbeck - PDF
310. Terry Branstad, Governor of Iowa - PDF
311. First Community Corporation and First Community Bank, Lexington, SC, Michael Crapps - PDF
312. NBC Oklahoma Bank, OK, H.K. Hatcher - PDF
313. First Arkansas Bank & Trust, Jacksonville, AR, Larry Wilson - PDF
314. Pioneer Savings Bank, Troy, NY, Eileen C. Bagnoli - PDF
315. Marion County Bank, Pella, IA, David Greving - PDF
316. Community Bank, Coast, Pascagoula, MS, Seth Randle - PDF
317. Community State Bank, Starke, FL, Jef Oody - PDF
318. New Century Bank, Dunn, NC, Anthony Rand - PDF (12)
319. Community Bankers of Wisconsin, Daryl Lund - PDF
320. Atlantic Stewardship Bank, Midland Park, NJ, Richard Culp - PDF (9)
321. Southwest National Bank, Weatherford, OK, Jack DIckey, Sr. - PDF (5)
322. Port Washington State Bank, Port Washington, WI, Steven Schowalter - PDF (5)
323. Southern Bank, Mount Olive, NC, Wayne Murphy - PDF (12)
324. CC Capital Advisors, Kansas City, MO, Bill Conway - PDF (4)
325. Charter Bank, Eau Claire, WI, Kimberly Novotney - PDF (7)
326. D.L. Evans Bank, Burley, ID, John Evans, Jr. - PDF (3)
327. CoBiz Financial, Denver, CO, Toby Day - PDF (10)
328. Peoples State Bank,Wausau, WI, Thomas Riiser - PDF (10)
329. Community Bank of Florida, Homestead, FL, Lisa Greer - PDF (22)
330. The Executive Council of State Community Bankers Associations - PDF
331. TCF Financial Corporation, Wayzata, MN, Michael Jones - PDF
332. First Security Bank, Searcy, AR, Reynie Rutledge - PDF
333. First National Bank of Ballinger, Ballinger, TX, Greg Schwertner - PDF (10)
334. State of Alabama Banking Department, Montgomery, AL, John Harrison - PDF
335. Council of Federal Home Loan Banks, Washington, DC, Carl F. Wick - PDF
336. Millbury National Bank, Milbury, MA, Mark Silva - PDF
337. Citywide Banks, CO. Tamara Door - PDF (4), Supplement Comment - PDF
338. Payne County Bank, Perkins, OK, Lynn Kinder - PDF (2)
339. First National Bank, Trinity Bank, TX, Jimmie Thorton - PDF (2)
340. LS3P Associates, Charleston, SC, Frank Lucas - PDF (2)
341. Coughlin & Company, Denver, CO, Dennis Coughlin - PDF
342. Security National Bank, Omaha, NE, Douglas Oldaker - PDF (2)
343. Castle Rock Bank, Castle Rock, MN, Daniel Nicolai - PDF (2)
344. CresCom Bank, Charleston, SC, Ivan Anderson, Jr. - PDF (3)
345. R2Metrics, Birmingham, AL, Dan Matheson - PDF
346. Platte Valley Bank, Torrington, WY - PDF
347. McNair, McLemore, Middlebrooks & Co., LLC, Macon, GA, Ray Pearson - PDF
348. KleinBank, Chaska, MN, Ronald Seib - PDF
349. Inland Northwest Bank, Spokane, WA, Randall Fewel - PDF
350. Hershey State Bank, Hershey, NE, K. H. Niedan - PDF
351. The Harvard State Bank, Harvard, IL, Roger Lehmann - PDF
352. Frandsen Financial Corporation, Paul Moen - PDF
353. Flagship Bank, Wavzata, MN, Steven Droen - PDF
354. 5Star Bank, Colorado Springs, CO, Michael League - PDF
355. First National Bank of Bells/Savoy, Bells, TX, C. Alan Renfroe - PDF
356. Feliciana Bank, Clinton, LA, John Stewart - PDF
357. Farmers State Bank, Calhan, CO, Randy Pieper - PDF
358. Dakota Prairie Bank, Pierre, SD, Stephen Hayes - PDF
359. City Bank & Trust Company, Natchitoches, LA, Louis Bernard - PDF
360. Citizens Banking Corporation, Frostproof, FL - PDF
361. Chicopee Savings Bank, Chicopee, MA, William Wagner - PDF
362. Bridgewater Bank, Bloomington, MN, Jerry Baack - PDF
363. Carver State Bank, Savannah, GA, Robert James - PDF
364. BankGuam Holding Company, Guam, Lourdes Leon Guerrero - PDF
365. Cross Financial Services, Franklin, IN, Jeff Joyce - PDF
366. Bank of Sun Prairie, Sun Prairie, WI, Tom Tubbs - PDF
367. Bankers' Bank of Kansas, Wichtta, KS, Brue Schriefer - PDF
368. Citizens Tri-County Bank, TN, H. Glenn Barker - PDF
369. The First National Bank, Mattoon, IL, Preston Smith - PDF
370. The Bank of Union, El Reno, OK, John Shelley - PDF
371. Bank of Frankenwing, Frankenwing, TN, Jeffrey Stewart - PDF
372. American National Bank, Ardmore, OK, Robin Terwilliger - PDF
373. American Bank, Grand Rapids, MN, Bryan Rude - PDF
374. ACB Bank, Cherokee, OK, Kari Roberts - PDF
375. Your Community Bank, New Albany, IN, Kevin Cecil - PDF
376. Wayne County Bank, Waynesboro, TN, Martin Haggard, Jr. - PDF
377. Vision Bank Texas, Richardson, TX, Gary Mulhollen - PDF
378. United Community Bank, Perhani, MN, Charles Cavanagh - PDF
379. Star Financial, Fort Wayne, IN, James Marcuccilli - PDF
380. Exchange Bank, Milledgeville, GA, Henry Pope, Jr. - PDF
381. Community Bank & Trust, Neosho, MO, Rudolph Farber - PDF
382. Commercial State Bank, Wausea, NE, Doug Johnson - PDF
383. Chelsea Groton Bank, Groton, CT, B. Michael Raul, Jr. - PDF
384. Central Bank, Springville, UT, Matt Packard - PDF
385. The Brandon Agency, Myrtle Beach, SC, W. Scott Brandon - PDF
386. BankSouth, Greensboro, GA, David Cowles - PDF
387. Bankers Trust, Des Moines, IA, Suku Radia - PDF
388. Bank of Weston, Weston, MO, Ted Wilson - PDF
389. Bank of Vici, Vici, OK, Travis Dennett - PDF
390. Midsize Bank Coalition of America, Russell Goldsmith - PDF, Supplement Comment - PDF, Supplement Comment - PDF
391. Kirkpatrick Bank, Edmonf, OK, James Shane - PDF
392. Iberville Bank, Plaquemine, LA, Robert Smith - PDF
393. High Point Bank, High Point, NC, Mark Williamson - PDF
394. Hertford Savings Bank, SSB, Vivian Sutton - PDF
395. Focus Design Builders, Wake Forest, NC, David Williams - PDF
396. Fisher Bancorp Inc., Fisher, IL, Michael Estes - PDF
397. First United bank, Park River, ND, Gary Paulson - PDF
398. First Sentry Bank, Huntington, WV, Geoffrey Sheils - PDF
399. First Security Bank, Mackinaw, IL, M. Gary Jacobs - PDF
400. First Private Bank of Texas, Dallas, TX, Daryl S. Kirkham - PDF
401. First Peoples Bank, Pine Mountain, GA, Derek Williams - PDF
402. First National Bank of Steeleville, Steeleville, IL, Thomas A. Broeckling - PDF
403. First Midwest, Itasca, IL, Michael Scudder - PDF
404. First Merchants Bank, Muncie, IN, Michael Rechin - PDF
405. First Farmers & Merchants bank, Columbia, TN, Robert Matthews - PDF
406. First Community Bank, Silver Lake, MN - PDF
407. First Chatham Bank, GA, Brian Foster - PDF
408. Farmers State Bank, Carroll, NE, Susan Gilmore - PDF
409. Farmers State Bank of Adams, Adams, MN, Connie Hoff - PDF
410. F&M Bank, Springfield, MN, Paul Pieschel - PDF
411. Sound Bank, Morehead City, NC, S. Phillip Collins - PDF
412. Revere Bank, Laurel, MD, Andrew Flott - PDF
413. Rollstone Bank & Trust, Fitchburg, MA, Martin Cotmors, Jr. - PDF
414. Renasant Bank, Tupelo, MS, E. Robinson McGraw - PDF
415. Range Bank, Negaunee, MI, Kenneth Palmer - PDF
416. Providence Bank, Alpharetta, GA, Brad Serff - PDF
417. Persons Banking Company, Macon, GA, Douglas Harper - PDF
418. Provident Bank, Iselin, NJ, Christopher Martin - PDF
419. Paragon Commercial Bank, Raleigh, NC, Robert Hatley - PDF
420. Omni American Bancorp, Kimberly Norris - PDF
421. North Shore Bank, Peabody, MA, David LaFlamme - PDF
422. The National Bank of Georgia, Athens, GA, C. William Hopper, III - PDF
423. Melvin Savings Bank, Melvin, lA, John Benz - PDF
424. Mechanics Cooperative Bank, Taunton, MA, Joseph Baptista Jr. - PDF
425. Liberty Trust & Savings Bank, New Liberty, IA, Philip Keese - PDF
426. Lakeside Bank, LA, M. S. Harmison - PDF
427. Legacy Bank, Wichita, KS, Frank Suellentrop - PDF
428. Lake Region, New London, MN, Clark Vollan - PDF
429. Lake Elmo Bank, Lake Elmo, MN, Daniel Raleigh - PDF
430. Vantage Bank Texas, San Antonio, TX, Guy Bodine, Ill - PDF
431. Valley National Bank, Wayne, NJ, Gerald Lipkin - PDF
432. Valley Bank, Eldridge, IA, Larry Henson - PDF
433. United Bank & Trust, Marshalltown, IA, Dale ltes - PDF
434. Union State bank, Kewaunee, WI, Jeffrey Kleiman - PDF
435. Troy Bank & Trust, Troy, AL, Jeff Bentley - PDF
436. Three Rivers Bank of Montana, Kalispell, MT, John King - PDF
437. Tri-County Bank, Cheyenne, WY - PDF
438. Tecumseh Federal Bank, Tecumseh, NE, Steve Darling - PDF
439. Tioga State Bank, Spencer NY, Anne McKenna - PDF
440. Stock Yards Bank & Trust, Louisville, KY, David Heintzman - PDF
441. Stephens Federal Bank, Toccoa, GA, Timothy Ash - PDF
442. Security Savings bank, Monmouth, IL, Stanley Jenks - PDF
443. The Union National Bank, Mount Carmel, PA, Frank Morrison - PDF
444. Missouri Bankers Association, Jefferson City, MO, Max Cook - PDF
445. Arnold & Porter LLP, Washington, DC, Patrick Doyle - PDF
446. Staff Disclosure: Meeting with the U.S. Department of Treasury - PDF
Comments and Staff Disclosures Applicable to AD95
01. Main Bank, Albuquerque, NM, Ronald Shettlesworth - PDF
02. 1st Financial Bank, Bessemer, AL, B. K. Goodwin III - PDF
03. Bank of Mead, Mead, NE, Scott Selko - PDF
04. Savannah River Banking Company, Augusta, GA, Gerry Owen - PDF
05. BNY Mellon, New York, NY, Gerald Hassell - PDF
06. International Swaps and Derivatives Association, Inc. (ISDA), London, UK, Antonio Corbi - PDF
07. Peoples Savings Bank, Hermann, MO, Mark E. Laune - PDF
08. 1st State Bank of Harvey, Harvey, ND, Howard Schaan - PDF
09. Ridgewood Savings Bank, Ridgewood, NY, Leonard Stekol - PDF
10. Bank of the Panhandle, Guymon OK, Steve Baggerly - PDF
11. Florence Savings Bank, Florence, MA, Kevin Day - PDF
12. Union Bank, Inc., Middlebourne, WV, Tim Aiken - PDF
13. Citizens State Bank of Hayfield, Hayfield, MN, Mark Miedtke - PDF
14. Cedar Valley Bank & Trust, LaPorte City, IA, Karen Podhajsky - PDF
15. Home State Bank, Louisville, NE, Jennifer Galbraith - PDF
16. First American Bank, Elk Grove Village, IL, Donald Roubitchek - PDF, Supplement Comment- PDF
17. Covington County Bank, Collins, MS, Chris Hull - PDF
18. Citizens Bank & Trust Company, Marks, MS, Frank Sibley - PDF
19. Guaranty Bank & Trust Company, Belzoni, MS, Jake Bellipaimi - PDF
20. PriorityOne Bank, Magee, MS, Robert Barnes - PDF, Supplement Comment - PDF
21. First State Bank, Holly Springs, MS, Sam McClatchy, - PDF
22. Bank of Vernon, Vernon, AL, Sammy Johnson, - PDF (4)
23. First Community Bank of Southwest Florida, Fort Myers, FL, Gerard McHale, Jr - PDF
24. Richland County Bank, Richland Center, WI, Dorsey Ames, - PDF
25. First Community Bank, Fort Myers, FL, Randall Henderson, Jr. - PDF
26. First Community Bank of Southwest Florida, Fort Myers, FL, Gerard McHale, Jr. - PDF
27. Farmers State Bank, Lumpkin, GA, Gary Blackburn - PDF
28. Bank of Kilmichael, Kilmichael, MS, Buddy Mortimer - PDF (2)
29. Del Norte Bank, Del Norte, CO, Michael Hurst - PDF
30. First Community Bank of Central Alabama, Wetumpka, AL, Travis Cosby, III - PDF
31. DeSoto County Bank, Southaven, MS, Bill Renovich - PDF
32. Sandler O'Neill + Partners, L.P.,New York, NY, Fred Price, Robert Albertson - PDF
33. Bank of Morton, Morton, MS, Tito Echiburu - PDF
34. North State Bank, Raleigh, NC, Walker Farish - PDF (11)
35. First Hope Bank, Hope, NJ, Lewis Beatty - PDF
36. Pacific Continental Bank, Eugene, OR, Mick Reynolds - PDF
37. Community Development Bankers Association, Washington, DC, Jeannine Jacokes - PDF
38. Community First Bank and Trust, Columbia, TN, Jon Thompson - PDF
39. First Financial Bankshares, Inc., Clyde, TX, Murray Edwards - PDF
40. American Planning Corporation, Baton Rouge, LA, T. Jefferson Fair - PDF, Supplement Comment - PDF
41. South Louisiana Bank, Houma, LA, Mickey Thomas - PDF
42. Stephen Whatley, Southern States Bank, Anniston, AL - PDF
43. Pine River State Bank, Pine River, MN, Charles Nelson - PDF
44. South Atlantic Bank, Myrtle Beach. SC, Richard Burch, K. Wayne Wicker, and R. Scott Plyler - PDF
45. Bank of Holly Springs, Holly Springs, MS, Steve Gresham - PDF
46. Midwest Bank, Pierce, NE, Lisa Gerdes - PDF
47. International Accounting Standards Board , London, UK, Hans Hoogervorst - PDF
48. First State Bank, Lonoke AR, William Fletcher - PDF, Supplement Comment - PDF, Supplement Comment - PDF
49. Hilltop Community Bank, Summit, NJ, Mortimore O'Shea - PDF
50. Manasquan Bank, Wall Township, NJ, James Vacarro - PDF (8)
51. National Asian American Coalition, Washington, DC, Faith Bautista - PDF
52. Caldwell Bank and Trust Co., Columbis, LA, Monty Adams - PDF
53. Central Bank & Trust Company, Lexington, KY, Luther Deaton, Jr. - PDF
54. St. Charles Capital, LLC, Denver, CO, Wesley Brown - PDF
55. Citizens' Bank, Robertsdale, AL, Andie Noonan - PDF
56. Kentucky Bankers Association, Louisville, KY, Ballard Cassady, Jr., David Heintzman, and Charles Vice - PDF
57. Bristol County Savings, Taunton, MA, Ted Dion - PDF
58. Conference of State Bank Supervisors, Washington, DC, John Ryan - PDF
59. Gorham Savings Bank, Gorham, ME, Christopher Emmons - PDF (2)
60. Integrity Bank & Trust, Colorado Springs, CO, Jim Wyss, RAndy Rush, and Pam Feilmeier - PDF
61. Mid-Missouri Bank, D. Eric McClure - PDF
62. Bank of St. Elizabeth, St. Elizabeth, MO, Brice Luetkemeyer - PDF
63. Home State Bank, Loveland, CO, Jack Devereaux, Jr., Harry Devereaux, and Mark Bower - PDF
64. Tri-State Bank of Memphis, Memphis, TN, Jesse Turner, Jr. - PDF
65. North Carolina Office of the Commissioner of Banks, Raleigh, NC, Ray Grace - PDF
66. Uinta Bank, Mountain View, WY, F. Walter Riebenack - PDF
67. Alliance Bank, Sulphur Springs, TX, Thomas Sellers and James Law - PDF
68. First Federal Community Bank, NA, Dover, OH, Trent Troyer, E. L. Loader, Richard Brinkman, Jr., Steve Clinton, Leonard Gundy, David Kaufman, and Robert Sensel - PDF
69. Northern Missouri Baneshares, Unionville, MO, David Tribble - PDF
70. International Bancshares Corporation, Laredo, TX, Dennis Nixon - PDF
71. U.S. Congress, David Vitter, Mary Landrieu, Rodney Alexander, Charles Boustany, Steve Scalise, Bill Cassidy, John Fleming, Jeff Landry, and Cedric Richmond (Louisiana) - PDF
72. U.S. Congress, Gwen Moore, Sean Duffy, Ron Kind, Tom Petri, Reid Ribble, and F. James Sensenbrenner, Jr. (Wisconsin) - PDF
73. U.S. Congress, Barbara Mikulski, Benjamin Cardin, Steny Hoyer, Roscoe Bartlett, Elijah Cummings, C. A. Dutch Ruppersberger, Chris Van Hollen, Donna Edwards, John Sarbanes, and Andy Harris (Maryland) - PDF
74. State of Oaklahoma, State Banking Department, Oaklahoma City, OK, Mick Thompson - PDF
75. U.S. Congress, Aaron Schock (Illinois - 18th District) - PDF
76. U.S. Congress, K. Michael Conaway (Texas - 11th District) - PDF
77. U.S. Congress, Michael Fitzpatrick, Tim Holden, Mike Kelly, Mark Critz, Tom Marino, Lou Barletta, Patrick Meehan, Jim Gerlach, Glenn Thompson, Bill Shuster, Charles Dent, Tim Murphy, and Todd Platts (Pennsylvania) - PDF
78. Independent Community Bankers of America, Washington, DC, James Kendrick - PDF
79. National NeighborWorks® Association, Washington, DC, Lou Tisler and David Brown - PDF
80. America's Mutual Holding Companies, Washington, DC, Craig Montanaro - PDF
81. America's Mutual Banks, Washington, DC, Martin Neat, Peter Boger, and Charles Boulier III - PDF
82. Iowa Bankers Association, Johnston, IA, Robert Hartwig - PDF
83. Central Mortgage Company, Rick Hollenberg - PDF
84. Brigade Capital Management, New York, NY, Donald Morgan III and Andrew Lund- PDF
85. Citizens Bank of Americus, Americus, GA, Richard Whaley - PDF
86. First Citizens Community Bank, Randall Black - PDF
87. Sturm Financial Group, Denver, CO, Donald Sturm - PDF
88. Sturm Financial Group, Denver, CO, Donald Sturm, Koger Propst, and Susan Sturm - PDF
89. Arkansas State Bank Department, Little Rock, AR, Candace Franks - PDF
90. Unity Bank, Clinton, NJ, Mark Brody - PDF (14)
91. Parkway Bank, Lenoir, NC, James Sponenberg, III - PDF
92. The Pineries Bank, Stevens Point, WI, Paul Adamski - PDF (2)
93. The Bank of Washington, Lynnwood, WA, Bruce Clawson - PDF
94. Pepper Hamilton LLP, Washington, DC, Timothy McTaggart - PDF
95. Louisiana Bankers Association, Robert Taylor - PDF
96. U.S. Congress, Michael Grimm (New York - 11th District) and Peter King (New York - 2nd District) - PDF


Last Updated 06/27/2013

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