Main Street Banks Inc. of Atlanta said it earned $7.7 million in the fourth quarter, 10% less than a year earlier.

A bank set to open this spring in a predominantly Hispanic neighborhood in New York’s South Bronx will try to attract customers by operating as a check casher too.

When Texas Capital Bank in Dallas was founded in 1998, it set a record by raising $80 million of initial capital. Now its founders want to help create carbon copies of Texas Capital in other cities.

Premier Community Bankshares Inc. of Winchester, Va., has agreed to buy Albemarle First Bank of Charlottesville for $29 million in cash and stock.

Camden National Corp. in Maine said Thursday that it is combining its two banks, Camden National Bank and UnitedKingfield Bank, into a single unit under the Camden National name.

Heartland Financial USA Inc. of Dubuque, Iowa, announced Thursday that it is buying Bank of the Southwest of Tempe, Ariz., for $18 million in cash.

Cascade Bancorp Inc. of Bend, Ore., said Thursday that its fourth-quarter earnings rose 50% year over year, to $6.8 million.

This month Diana L. Taylor, the New York State banking superintendent, designated part of northern Harlem as a "banking development district" under a program meant to stimulate development in low-income communities.

First Homestead Inc. of Homestead, Fla., announced that it has agreed to sell itself to Hometown of Homestead Inc., a newly formed private holding company.

Washington Federal Inc. of Seattle said Thursday that its earnings fell 0.3%, to $36.1 million, in the first quarter of its 2006 fiscal year compared with the year-earlier period.

Heritage Oaks Bancorp in Paso Robles, Calif., reported fourth-quarter profit of $1.8 million, up 34% from a year earlier.

Just before Christmas break a Tennessee banker asked the superintendents of three Memphis-area school districts to send a letter to the families of students who had streamed into the area in flight from Hurricane Katrina.

MIDWEST

Mercantile Bank Corp. of Grand Rapids said the costs of entering Lansing and Ann Arbor slowed its fourth-quarter earnings growth, but it reported healthy growth in loans and deposits in both new markets.

Cathay General Bancorp of Los Angeles made a formal offer for Great Eastern Bank of New York on Tuesday, and analysts predicted that Great Eastern will take it.

Preliminary figures for the U.S. Small Business Administration's flagship 7(a) lending program indicate that the agency guaranteed fewer loans for less money during the October-to-December quarter than it did a year earlier, according to Rep. Nydia M. Velazquez.

The Farm Credit Administration has changed the rule on the makeup of Farm Credit System lenders' boards.

Summit Financial Group Inc. in Moorefield, W.Va., said Monday that it has taken a $1.5 million impairment charge against its fourth-quarter earnings because it cannot accurately project the recovery period for preferred securities stock it owns that have declined in value.