Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 51 

Week Ending December 19, 2009

Board of Governors of the Federal Reserve System, Washington, DC 20551
Advisory Councils

Consumer Advisory Council -- appointment of ten new members and designation of 

Michael D. Calhoun as chair and Jim Park as vice chair for 2010.

- Announced, December 17, 2009

Banking Supervision & Regulation

Citigroup Inc., New York, New York -- request to redeem its TARP preferred stock.

- Approved, December 13, 2009

Wells Fargo & Company, San Francisco, California -- request to redeem its TARP 

preferred stock.

- Approved, December 14, 2009

Monetary and Financial Policy

Term Auction Facility -- TAF auction in the amount of $75 billion in 28-day credit 

on December 14, 2009.

- Announced, December 14, 2009

Regulations and Policies

Regulation V (Fair Credit Reporting) -- interagency final rules that require creditors 

to provide risk-based pricing notices to consumers who receive less favorable terms 

on credit because of information in the consumer's credit report.

- Approved, December 17, 2009

Enforcement

1st Pacific Bancorp, San Diego, California, and 1st Pacific Bank of California -- 

writtten agreement with the Federal Reserve Bank of San Francisco.

- Announced, December 15, 2009

H.2 Board Actions December 13, 2009 to December 19, 2009

(A/C) = Addition or Correction Board - Page 1 of 2
Enforcement

Credit Suisse AG, Zurich, Switzerland -- issuance of a consent cease and desist order 

against Credit Suisse.

- Announced, December 16, 2009

Regions Bank, Birmingham, Alabama -- issuance of a consent order of assessment of 

a civil money penalty.

- Announced, December 17, 2009

H.2 Board Actions December 13, 2009 to December 19, 2009

(A/C) = Addition or Correction Board - Page 2 of 2
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

December 13, 2009 to December 19, 2009

Bank Branches, Domestic

Compass Bank, Birmingham, Alabama -- to establish a branch at 8675 Spring 

Cypress Road, Spring, Texas.

Atlanta

- Withdrawn, December 18, 2009

Compass Bank, Birmingham, Alabama -- to establish branches near the intersection 

of South Gilbert and East Riggs Roads, Phoenix, Arizona, and near the intersection 

of East Baseline and South Signal Butte Roads.

Atlanta

- Approved, December 16, 2009

John Marshall Bank, Falls Church, Virginia -- to establish a branch at 

4315 50th Street NW, Washington, D.C.

Richmond

- Approved, December 17, 2009

Monarch Bank, Chesapeake, Virginia -- to establish a branch at 1635 Laskin Road, 

Virginia Beach.

Richmond

- Approved, December 18, 2009

Southwest Bank, Fort Worth, Texas -- to establish a branch at 3641 Matlock Road, 

Arlington.

Dallas

- Approved, December 17, 2009

(A/C) = Addition or Correction Delegated - 1 of 4
Bank Holding Companies

First Bankshares, Inc., Winter Park, Florida -- relief from certain commitments (two 

requests).

Atlanta

- Withdrawn, December 14, 2009

Independent Community Bancorp, Inc., Frankfort, Kentucky -- to engage in lending 

and servicing activities.

St. Louis

- Approved, December 16, 2009

The St. Henry Bancorp, Inc., Saint Henry, Ohio -- to become a bank holding 

company and to acquire The St. Henry Bank, Saint Henry, and for St. Henry Bank to 

merge with SHB Interim Bank.

Cleveland

- Approved, December 15, 2009

Banks, Foreign

Bank of China Limited, Beijing, China -- to establish a branch in San Francisco, 

California.

New York

- Withdrawn, December 14, 2009

Change in Bank Control

Cascade Bancorp, Bend, Oregon -- change in bank control of Cascade and its 

subsidiary bank, Bank of the Cascades, Bend.

Secretary

- Permitted, December 15, 2009

H.2 Actions under delegated authority December 13, 2009 to December 19, 2009

(A/C) = Addition or Correction Delegated - 2 of 4
Change in Bank Control

First Holdrege Bancshares, Inc., Holdrege, Nebraska -- change in bank control of 

First Holdrege and its subsidiary bank, The First National Bank of Holdrege, 

Holdrege.

Kansas City

- Permitted, December 18, 2009

Palomar Enterprises, LLC, Long Beach, California -- change in bank control of 

Palomar and its subsidiary bank, Farmers & Merchants Bank of Long Beach, Long 

Beach.

San Francisco

- Permitted, December 16, 2009

Republic Trinidad Corporation, Houston, Texas -- to retain control of Republic 

Trinidad and its subsidiary bank, First National Bank in Trinidad, Trinidad, 

Colorado.

Kansas City

- Permitted, December 18, 2009

Rice Bancshares, Inc., Rice, Texas -- change in bank control of Rice and its 

subsidiary bank, The First State Bank, Rice.

Dallas

- Permitted, December 15, 2009

Vici Bancorporation, Vici, Oklahoma -- to retain control of Vici and its subsidiary 

bank, Bank of Vici, Vici.

Kansas City

- Permitted, December 18, 2009

H.2 Actions under delegated authority December 13, 2009 to December 19, 2009

(A/C) = Addition or Correction Delegated - 3 of 4
Membership

The Centreville National Bank of Maryland, Centreville, Maryland -- to retain 

membership in the Federal Reserve System on conversion to a state-chartered bank, 

CNB.

Richmond

- Approved, December 16, 2009

Heritage Bank, National Association, Pearland, Texas -- to retain membership in the 

Federal Reserve System on conversion to a state-chartered bank, Heritage Bank.

Dallas

- Approved, December 18, 2009

Regulations and Policies

Regulation C (Home Mortgage Disclosure) -- annual notice of the asset-size 

exemption threshold for depository institutions under the Home Mortgage Disclosure 

Act.

Director, C&CA

- Approved, December 17, 2009

H.2 Actions under delegated authority December 13, 2009 to December 19, 2009

(A/C) = Addition or Correction Delegated - 4 of 4
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending December 19, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 1

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 2

Federal Reserve Bank of New York

Filings received during the week ending December 19, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Bank of China Limited, Beijing, China, to engage 

in securities brokerage, riskless principal, and 

private placement activities through BOC 

International (USA) Inc., pursuant to Section 

225.28(b)(7) of Regulation Y.

BANK OF CHINA LIMITED

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Bank of China Limited, Beijing, China, to 

continue to engage in certain nonbanking 

activities through BOC Aviation (USA) 

Corporation, Reno, Nevada, pursuant to section 

225.24 of Regulation Y.

BANK OF CHINA LIMITED

Newspaper:

Federal Register:

* 3A1 Not available

Not available

First Niagara Financial Group, Inc., Buffalo, New 

York, to become a bank holding company by 

acquiring Harleysville National Corporation and 

Harleysville National Bank and Trust Company, 

both of Harleysville, Pennsylvania.

FIRST NIAGARA FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Goldman Sachs Bank USA, New York, New 

York, to open and occupy a branch office 

located at 200 West Street, New York, New 

York, pursuant to Section 208.6 of Regulation H.

GOLDMAN SACHS BANK USA

* Subject to the provisions of the Community Reinvestment Act
District: 2

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 3

Federal Reserve Bank of Philadelphia

Filings received during the week ending December 19, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 3

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 4

Federal Reserve Bank of Cleveland

Filings received during the week ending December 19, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 01/11/2010

01/08/2010

Application by Excel Bancorp, LLC, St. 

Clairsville, Ohio, to acquire a controlling interest 

in Ohio Legacy Corp. and its sole banking 

subsidiary, Ohio Legacy Bank, N.A., Wooster, 

Ohio

Excel Bancorp, LLC

* Subject to the provisions of the Community Reinvestment Act
District: 4

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 5

Federal Reserve Bank of Richmond

Filings received during the week ending December 19, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

City Holding Company, Charleston, West 

Virginia, to acquire up to 7.5% of the 

outstanding common stock of First United 

Corporation, Oakland, Maryland, and thereby 

indirectly acquire up to 7.5% of the shares of 

First United Bank & Trust Company, Oakland, 

Maryland.

CITY HOLDING COMPANY

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Notification by Eagle Bancorp, Inc., Bethesda, 

Maryland, to purchase in the future, tax 

certificates from political jurisdictions 

representing debt owed by customers of 

EagleBank to local tax authorities on property 

securing EagleBank loans.

EAGLE BANCORP, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

FMB-UBSH Interim Bank, Bowling Green, 01/08/2010

Virginia, to merge with Union Bank and Trust 

Company, Bowling Green, Virginia.

FMB-UBSH Interim Bank

* Subject to the provisions of the Community Reinvestment Act
District: 5

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 6

Federal Reserve Bank of Atlanta

Filings received during the week ending December 19, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

01/05/2010

Banco de Sabadell, S.A., Sabadell, Spain, to 

engage de novo in securities brokerage and 

riskless-principal activities, through its 

newly-established subsidiary, Sabadell 

Securities USA, Inc., Miami, Florida.

BANCO DE SABADELL, S.A.

* Subject to the provisions of the Community Reinvestment Act
District: 6

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 7

Federal Reserve Bank of Chicago

Filings received during the week ending December 19, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Elizabeth Meyer Kimmel, LaJolla, 

California, individually and as a trustee of the 

Elizabeth Meyer Kimmel 2009 Grantor Retained 

Annuity Trust 4, and the EMK Grat 4, to acquire 

additional shares of First Busey Corporation, 

Champaign, Illinois, and thereby indirectly 

acquire additional shares of Busey Bank, 

Champaign, Illinois.

FIRST BUSEY CORPORATION

Newspaper:

Federal Register:

* 3A3 01/02/2010

01/02/2010

United Community Bancorp, Inc., Chatham, 

Illinois, to acquire 100 percent of the voting 

shares of Marine Bank & Trust, Carthage, 

Illinois and Brown County State Bank, Mount 

Sterling, Illinois.

UNITED COMMUNITY 

BANCORP, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 7

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 8

Federal Reserve Bank of St. Louis

Filings received during the week ending December 19, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 01/11/2010

01/11/2010

OSK, Inc., Edina, Minnesota, to become a bank 

holding company by acquiring 100 percent of 

Texico Bancshares Corporation, Texico, Illinois, 

and thereby indirectly acquire Texico State 

Bank, Texico, Illinois.

OSK, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 8

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 9

Federal Reserve Bank of Minneapolis

Filings received during the week ending December 19, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/04/2010

Notice by James A. Jorgenson, Jorgenson 

Holding Company, the Karen Jorgenson Trust 

(Karen Neidhardt and James A. Jorgenson, 

Trustees), and Leonard M. Jorgenson, all of 

Kenmare, North Dakota, acting in concert, to 

retain control of Bozeman Bancorp, Inc., 

Bozeman, Montana, and indirectly retain control 

of the Bank of Bozeman, Bozeman, Montana

BOZEMAN BANCORP, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 9

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 10

Federal Reserve Bank of Kansas City

Filings received during the week ending December 19, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

12/30/2009

Notice submitted by the Robert and Norman 

Ohlde Trust, Robert and Norma Ohlde, trustees, 

Linn, Kansas; Steven and Cynthia Ohlde, Linn, 

Kansas; and Timothy and Debra Ohlde, Clyde, 

Kansas, acting in concert, to retain/acquire 

control of Elkcorp, Inc., and thereby indirectly 

retain/acquire control of The Elk State Bank, 

both in Clyde, Kansas. Notice by the Robert 

and Norma Ohlde Trust, Robert and Norma 

Ohlde, trustees, Linn, Kansas; to individually 

acquire control of Elkcorp, Inc., and thereby 

indirectly acquire control of The Elk State Bank, 

both in Clyde, Kansas.

ELKCORP, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

First Independent Bancorp, Inc., proposes to 

acquire 99.9 percent of Chickasha Housing 

Partners, Limited Partnership, both of 

Chickasha, Oklahoma, and thereby engage in 

community development activities.

FIRST INDEPENDENT 

BANCORP, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First State Bank of Hotchkiss, Hotchkiss, 

Colorado, to merge with Paonia State Bank, 

Paonia, Colorado, and to operate under the 

charter and title of First State Bank of 

Hotchkiss, Hotchkiss, Colorado. First State 

Bank of Hotchkiss, Hotchkiss, Colorado, to 

merge with Colorado Mountain Bank, 

Westcliffe, Colorado, and to operate under the 

charter and title of First State Bank of 

Hotchkiss, Hotchkiss, Colorado.

FIRST STATE BANK OF 

HOTCHKISS

Newspaper:

Federal Register:

* 3A1 Not available

01/14/2010

GFP Financial Services Company, Tulsa, 

Oklahoma, to become a bank holding company 

through the acquisition of 65.04 percent of the 

voting shares of First Pryor Bancorp, Inc., 

parent of First Pryority Bank, both in Pryor, 

Oklahoma.

GFP FINANCIAL SERVICES 

COMPANY

* Subject to the provisions of the Community Reinvestment Act
District: 10

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 11

Federal Reserve Bank of Dallas

Filings received during the week ending December 19, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 01/15/2010

01/11/2010

Bank4Texas Holdings, Inc., Tomball, Texas, to 

become a bank holding company by acquiring 

Northern Bancshares, Inc., Chillicothe, Texas, 

and indirectly acquire The First National Bank 

of Chillicothe, Chillicothe, Texas.

BANK4TEXAS HOLDINGS, INC.

Newspaper:

Federal Register:

CIC Not available

01/06/2010

Notice by the Clary Anthony Family Irrevocable 

Trust #101, Shreveport, Louisiana, Ms. Lynda 

June Anthony, Shreveport, Louisiana, and Mr. 

Luther Clary Anthony, Jr., Atlanta, Texas, 

Co-Trustees; Ms. Lynda June Anthony, 

Shreveport, Louisiana; Mr. Luther Clary 

Anthony, Jr., Atlanta, Texas; and Mr. Luther 

Clary Anthony Sr., Springhill, Louisiana, 

individually, (collectively, the "Notificants") 

have applied to the Federal Reserve Board for 

permission to retain 10% or more of the shares, 

and acquire additional shares, and thereby 

control of Citizens Bankshares of Springhill, 

Inc., and indirectly control its 

subsidiary,Citizens Bank & Trust Company, 

both of Springhill, Louisiana.

CITIZENS BANKSHARES OF 

SPRINGHILL, INC.

Newspaper:

Federal Register:

* 3A5 01/09/2010

01/04/2010

Family Bancorp, Inc., San Antonio, Texas, to 

acquire by merger Medina Bankshares, Inc., 

Hondo, Texas, and indirectly acquire D'Hanis 

State Bank, D'Hanis, Texas.

FAMILY BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

TLCM Holdings,LLC, Richardson, Texas, to 

become a bank holding company by acquiring 

EJ Financial Corp., Dallas, Texas, EJ Delaware 

Bancshares, Inc., Dover, Delaware, and 

indirectly acquire Equity Bank, SSB, Dallas, 

Texas.

TLCM HOLDINGS, LLC

* Subject to the provisions of the Community Reinvestment Act
District: 11

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 12

Federal Reserve Bank of San Francisco

Filings received during the week ending December 19, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

12/08/2009

BOTC Holdings LLC, Lightyear Fund II, L.P., 

Lightyear Co-Invest Partnership II, L.P., 

Lightyear Fund II GP, L.P., Lightyear Fund II GP 

Holdings, LLC, Marron & Associates, LLC, 

Chestnut Venture Holdings, LLC, Donald B. 

Marron, Lightyear Capital LLC and Lightyear 

Capital II, LLC, all of New York, New York, to 

acquire up to 24.9% of the voting shares of 

Cascade Bancorp, and thereby indirectly 

acquire The Bank of the Cascades, both of 

Bend, Oregon.

CASCADE BANCORP

Newspaper:

Federal Register:

* 3A1 Not available

12/07/2009

Golden Pacific Bancorp, Inc., Sacramento, 

California, to become a Bank Holding Company 

by acquiring 100 percent of the voting stock of 

Gold Country Financial Services, Inc., and 

indirectly its subsidiary, Gold Country 

Bank,National Association, both of Marysville, 

California.

GOLDEN PACIFIC BANCORP, 

INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Land Bank of Taiwan Co., Ltd., Taipei, Taiwan, 

to establish a New York branch office pursuant 

to section 211.24(a)(2)(i)(A) of Regulation K.

LAND BANK OF TAIWAN

Newspaper:

Federal Register:

CIC

Not available

Notice by Rommel R. Medina and Ruell R. 08/07/2009

Medina, both of San Bruno, California, to 

acquire additional voting shares of MNB 

Holdings Corporation, and indirectly, voting 

shares of Mission National Bank, both of San 

Francisco, California.

MNB HOLDINGS CORPORATION

* Subject to the provisions of the Community Reinvestment Act
District: 12

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act