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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

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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
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
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 (3)
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
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 (6)
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
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


Last Updated 09/14/2012

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