Limiting the number of overdraft fees could cause consumers to miss important payments, be denied necessities and wind up with negative information on their credit reports.

Royal Bancshares of Pennsylvania (RBPAA) is planning to aggressively cut expenses after its losses deepened in the fourth quarter.

Generations Bank's interest in developing a program to help low-income residents of the Finger Lakes region buy cars to get to and from work began at a coffee counter.

Cordia Bancorp has taken full ownership of Bank of Virginia.

Bryn Mawr Bank in Pennsylvania It has agreed to buy MidCoast Community Bancorp in Wilmington, Del.

Glacier Bancorp in Kalispell, Mont., has agreed to buy North Cascades National Bank in Chelan, Wash.

Tailoring a bank's loan policy to the business available in its trade area tends to effectively reduce loan losses and prevent major credit debacles.

Mackinac Financial (MFNC) in Manistique, Mich., has received regulatory approval to buy back nearly two-thirds of the preferred stock it issued under the Troubled Asset Relief Program.

A former chief executive and chairman of NewBridge Bancorp (NBBC) in Greensboro, N.C., plans to retire from its board.

CNB is an infrequent buyer but agreed to acquire a smaller bank near Columbus, Ohio, as a way to enter a market without abandoning its preference for organic growth.

Community Financial Shares (CFIS) in Glen Ellyn, Ill., has raised nearly $500,000 through a rights offering.

For banks looking to poach customers disaffected by mergers among rivals, there is plenty of opportunity. More than 20% of deposits have changed hands recently in about 50 markets around the country.

The Federal Reserve Bank of San Francisco has terminated its regulatory action against HomeStreet in Seattle.

Enterprise Financial Services in St. Louis has extended the contract of chief executive Peter Benoist by one year.

First BanCorp (FBP) in San Juan, Puerto Rico, has enhanced and extended an offer to convert preferred shares into common stock.

Hampton Roads Bancshares (HMPR) in Virginia Beach is reducing its branch network.

Eastern Virginia Bankshares (EVBS) in Tappahannock plans to raise $50 million through a private placement and a rights offering.

CNB Financial (CCNE) in Clearfield, Pa., has agreed to acquire FC Banc (FCBZ) in Bucyrus, Ohio, for about $40 million, or $30 a share in cash and stock.

Credit lines and expanded overdraft programs are being considered as alternatives for banks that want to curb their customers' use of payday loans.

New Community Reinvestment Act guidelines will reduce paperwork burdens, open up new areas for assistance and make clear that banks falling short will hurt their overall lending test performance.