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Regulatory Capital Rules: Standardized Approach for Risk- Weighted Assets; Market Discipline and Disclosure Requirements

12 CFR Part 324 (RIN 3064–AD96) 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 R. 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
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 AD96 and AD97
01. Staff Disclosure: Meeting with Ford Motor Credit
Comments and Staff Disclosures Applicable to AD96
01. Main Bank, Albuquerque, NM, Ronald Shettlesworth - PDF
02. Savannah River Banking Company, Augusta, GA, Gerry Owen - PDF
03. Bank of Mead, Mead, NE, Scott Selko - PDF
04. Farmers Trust and Savings Bank, Spencer, IA, David Woodcock - PDF
05. American Exchange Bank, Henryetta, OK, Joy Wittman - PDF
06. Union Bank, Inc., Middlebourne, WV, Tim Aiken - PDF
07. First National Bank in Marlow, Marlow, OK, R. Keith Mansfield - PDF
08. Solomon State Bank, Solomon, KS, Kirk Berneking - PDF
09. Peoples Bank, Indianola, IA, Kevin Halterman - PDF
10. The Farmers Bank of Willards, Salisbury, MD, Renee M. Lovell - PDF
11. Farmers State Bank, Lumpkin,GA, Gary Blackburn - PDF
12. Sanborn Savings Bank, Sanborn, IA, James Cravens - PDF
13. The Pataskala Banking Company, Pataskala, OH, Charles E. Dixon - PDF
14. Community Development Bankers Association, Washington, DC, Jeannine Jacokes - PDF
15. First Bank & Trust, Lubbock, TX, Barry Orr - PDF
16. Verity Bank, Winder, GA, John Lewis - PDF
17. First Hope Bank, Hope, NJ, Lewis Beatty - PDF
18. American Planning Corporation, Baton Rouge, LA, T. Jefferson Fair - PDF
19. American Exchange Bank, Henryetta, OK, Lawrence Reingold - PDF
20. Missouri Bankers Association, Jefferson City, MO, Max Cook - PDF
21. Citizens' Bank, Robertsdale, AL, Andie Noonan - PDF
22. Varney & Associates, CPAs, LLC, Manhattan, KS, Thomas Hintz - PDF
23. Bank of St. Elizabeth, St. Elizabeth, MO, Brice Luetkemeyer - PDF
24. North Carolina Office of the Commissioner of Banks, Raleigh, NC, Ray Grace - PDF
25. Security Bank, s.b., Springfield, IL, Robin Loftus - PDF
26. State Bank of Kansas, Fredonia, KS, Jac Jensik - PDF
27. Flint Hills Bank, Eskridge, KS, Rick Bryan - PDF
28. CrossFirst Bank, Leawood, KS, Dave O'Toole - PDF
29. Central Bank, Jefferson City, MO, Ken Littlefield - PDF
30. International Swaps and Derivatives Association, Inc., Edwin Budding - PDF
31. Association of Financial Guaranty Insurers, Bruce Stern - PDF
32. Weymouth Bank, Weymouth, MA, Robert Terravecchia, Jr. - PDF
33. SpiritBank, Tulsa, OK, Bruce Schultz - PDF
34. Essent Guaranty, Inc., Genworth Financial, Mortgage Guaranty Insurance Corporation, National Mortgage Insurance Corporation, and Radian Guaranty Inc. - PDF
35. Bank of the Prairie, Olath, KS, Robert Wiley, Christopher Donnelly, and Everett Hixson - PDF
36. Commerce Bancshares, Inc., Charles Kim and Michael Bude - PDF
37. Legacy State Bank, Loganville, GA, Daniel Rees - PDF
38. Conference of State Bank Supervisors, Washington DC, John Ryan, Supplement Comment - PDF
39. Independent Community Bankers of America, Washington, DC, James Kendrick - PDF
40. United Guaranty Corporation, Greensboro, NC, Kenneth Bjurstrom - PDF
41. Citizens Community Bank, Valdosta, GA, Glenn Copeland - PDF
42. Staff Disclosure: Meeting with the American Securitization Forum (ASF) - PDF
43. Staff Disclosure: Meeting with Private Mortgage Insurance (PMI) Industry Representatives - PDF


Last Updated 06/27/2013

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