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Merger Decisions: 2010 Annual Report to Congress

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Federal Deposit Insurance Corporation
Merger Decisions
Annual Report To Congress

Bank Merger Act Report
(Friday, January 01, 2010 through Friday, December 31, 2010)

The Merger applications listed below have been approved by the FDIC during 2010. Regarding each application, the FDIC considered and found favorably with respect to the relevant statutory factors, including financial and managerial resources; future prospects of the existing and proposed institutions; convenience and needs of the community to be served; and the effectiveness of each depository institution involved in the merger in establishing programs to combat money laundering activities, including in overseas branches.

Except as noted, reports regarding the competitive factors were requested from the Attorney General and the Summary Report by the Attorney General indicated that the transaction would not have a significant adverse effect on competition.

In each case, the FDIC has determined that the transaction would not result in a monopoly or further any combination or conspiracy to monopolize or attempt to monopolize the business of banking in any part of the United States. In addition, the FDIC determined the transaction would not have the effect in any section of the country to substantially lessen competition or tend to create a monopoly or in any other manner restrain trade, unless the anticompetitive effects of the transaction were clearly outweighed in the public interest by the probable effect of transaction in meeting the convenience and needs of the community to be served.

Finally, the FDIC determined that for each interstate merger case approved on or after July 21, 2010 (other than a case involving an insured depository institution in default or in danger of default), the resulting insured depository institution, including its affiliated insured depository institutions, upon consummation of the transactions would not control more than ten percent (10%) of the total amount of deposits of all insured depository institutions in the United States.

Note: This Report is available from the FDIC's Public Information Center Web site at:

Last Updated 3/1/2012

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