FDIC Federal Register Citations

Cameron State Bank

October 18, 2004

Mr. Robert E. Feldman, Executive Secretary
Attn: Comments/Legal ESS
Federal Deposit Insurance Corporation
550 17th Street, N.W.
Washington, DC 20429

Re: Proposed Amendments to CRA
RIN number 3064-AC50

Dear Mr. Feldman:

Thank you for extending the comment period on the proposed amendments concerning the Community Reinvestment Act. One of the proposed amendments would define a small institution as an institution with total assets of up to $1 billion.

I am a Branch Manager for Cameron State Bank, which is presently under the category of a large bank in regards to CRA. Although most of the loans made by Cameron State Bank are within our assessment areas, we are still required to collect CRA data and report CRA issues.
The 2nd issue is in reference to the CRA examination process. We are at a disadvantage regarding the investment test because we compete with billion dollar regional and national banks for suitable investments in our market.

Cameron State Bank is in favor of the proposed amendment to change the definition of a small institution to mean an institution with total assets of up to $1 billion.
Thank you for your consideration in this matter.

Sincerely,
Cassie Murillo
Branch Manager