Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 52 

Week Ending December 25, 2010

Board of Governors of the Federal Reserve System, Washington, DC 20551
Regulations and Policies

Regulation Z (Truth in Lending) -- interim rule with request for comment to clarify 

aspects of the September 2010 interim rule implementing the Mortgage Disclosure 

Improvement Act.

- Approved, December 21, 2010

Enforcement

City National Bancshares Corporation, Newark, New Jersey -- written agreement 

with the Federal Reserve Bank of New York.

- Announced, December 21, 2010

Community Shores Bank Corporation, Muskegon, Michigan -- written agreement 

with the Federal Reserve Bank of Chicago.

- Announced, December 21, 2010

FEB Bancshares, Inc., Louisville, Alabama -- written agreement with the Federal 

Reserve Bank of Atlanta.

- Announced, December 23, 2010

First International Bancorp of Texas, Inc., Plano, Texas, and First International 

Bancorp America, Reno, Nevada -- written agreement with the Federal Reserve Bank 

of Dallas.

- Announced, December 23, 2010

Norcal Community Bancorp, Alameda, California -- written agreement with the 

Federal Reserve Bank of San Francisco.

- Announced, December 23, 2010

H.2 Board Actions December 19, 2010 to December 25, 2010

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

OSD Office of Staff Director

December 19, 2010 to December 25, 2010

Bank Branches, Domestic

Fifth Third Bank, Cincinnati, Ohio -- to establish a temporary branch at 8950 

Weathered Stone Drive, Naples, Florida, to operate from February 14 to February 20, 

2011, and to establish branches at 1122 Powers Ferry Road SE, Marietta, Georgia, 

and 23633 Greenfield Road, Southfield, Michigan (three applications).

Cleveland

- Approved, December 22, 2010

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a 

limited-service branch at 37 Brown Street, Middletown, Pennsylvania.

New York

- Approved, December 24, 2010

Bank Holding Companies

Bancshares of Urbana, Inc., Urbana, Missouri -- to engage in lending activities.

St. Louis

- Approved, December 23, 2010

Commercial Bancshares, Inc., Humble, Texas -- to become a bank holding company 

and to acquire shares of El Campo Bancshares, Inc., El Campo, and indirectly 

acquire Commercial State Bank of El Campo.

Dallas

- Approved, December 22, 2010

(A/C) = Addition or Correction Delegated - 1 of 5
Bank Holding Companies

First Harvey Bancorporation, Inc., Harvey, North Dakota -- to acquire First State 

Bank Agency, LLC, Harvey, and thereby engage in insurance agency activities in a 

town with a population not exceeding 5,000.

Minneapolis

- Approved, December 22, 2010

Independent Bancshares, Inc. Employee Stock Ownership Plan, Red Bay, Alabama -- 

to acquire shares of Independent Bancshares, Inc., Red Bay, and its subsidiaries, 

Community Spirit Bank; Spirit Bancshares, Inc., Belmont, Mississippi; and Spirit 

Bank.

Atlanta

- Approved, December 24, 2010

MC Bancshares, Inc., Houston, Texas -- to become a bank holding company and to 

acquire Memorial City Bank, Houston.

Dallas

- Approved, December 23, 2010

River Holding Company, Stoddard, Wisconsin -- to acquire shares of Community 

Business Bancshares, Inc., Sauk City, and thereby indirectly acquire Community 

Business Bank.

Chicago

- Approved, December 22, 2010

H.2 Actions under delegated authority December 19, 2010 to December 25, 2010

(A/C) = Addition or Correction Delegated - 2 of 5
Bank Mergers

Southern Bank, Poplar Bluff, Missouri -- to purchase the assets and assume the 

liabilities of First Southern Bank, Batesville, Arkansas, and to retain the acquired 

facilities as branches (two applications).

St. Louis

- Withdrawn, December 20, 2010

Change in Bank Control

American Bancshares, Inc., Baxter Springs, Kansas -- change in bank control of 

American BancShares and its subsidiary bank, American Bank of Baxter Springs.

Kansas City

- Permitted, December 20, 2010

Bozeman Bancorp, Inc., Bozeman, Montana -- change in bank control of Bozeman 

Bancorp and its subsidiary bank, Bank of Bozeman, Bozeman.

Minneapolis

- Permitted, December 23, 2010

Dentel Bancorporation, Victor, Iowa -- change in bank control of Dentel 

Bancorporation and its subsidiary banks, Victor State Bank, Victor; Corydon State 

Bank, Corydon; First State Bank of Colfax, Colfax; Maxwell State Bank, Maxwell; 

Pocahontas State Bank, Pocahontas; and Panora State Bank, Panora.

Chicago

- Permitted, December 23, 2010

H.2 Actions under delegated authority December 19, 2010 to December 25, 2010

(A/C) = Addition or Correction Delegated - 3 of 5
Extensions of Time

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga 

Springs, New York -- extension to March 20, 2011, to acquire additional shares of 

473 Broadway Holding Corporation, Saratoga Springs, and The Adirondack Trust 

Company, and to retain shares of Trust Company.

New York

- Granted, December 20, 2010

Ally Financial Inc., Detroit, Michigan -- one-year extension of time to conform or 

divest certain impermissible nonbanking activities and investments. 

Director, BS&R

- Granted, December 21, 2010

C-B-G, Inc., West Liberty, Iowa -- extension to March 13, 2011, to acquire 

additional shares of Washington Bancorp, Washington, and thereby increase its 

indirect interest in Washington Bancorp's subsidiary bank, Federation Bank.

Chicago

- Granted, December 22, 2010

CapGen Capital Group V LLC, New York, New York, and CapGen Capital Group V 

LP -- extension to March 22, 2011, to become bank holding companies and to 

acquire shares of Palmetto Bancshares, Inc., Greenville, South Carolina, and 

indirectly acquire The Palmetto Bank.

Richmond

- Granted, December 22, 2010

H.2 Actions under delegated authority December 19, 2010 to December 25, 2010

(A/C) = Addition or Correction Delegated - 4 of 5
Membership

FirstBank of Arizona, Inc., Phoenix, Arizona -- to become a member of the Federal 

Reserve System.

San Francisco

- Approved, December 22, 2010

Regulations and Policies

Regulation BB (Community Reinvestment) -- interagency annual adjustment to the 

asset-size thresholds used to define "small bank" and "intermediate small bank" 

under the Community Reinvestment Act regulations.

Secretary

- Approved, December 15, 2010

(A/C)

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, 2010

(A/C)

H.2 Actions under delegated authority December 19, 2010 to December 25, 2010

(A/C) = Addition or Correction Delegated - 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending December 25, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notification by Susan F. (Hovey) Mercia, 

Hinesburg, Vermont to retain up to 17.4% of the 

outstanding shares of the common stock of 

Union Bankshares, Inc., Morrisville, Vermont 

pursuant to the Change in Bank Control Act of 

1978.

UNION BANKSHARES, INC.

* 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 25, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8 01/18/2011

Chuo Mitsui Trust Holdings, Inc., Tokyo, 

Japan, to become a bank holding Company by 

acquiring The Sumitomo Trust and Banking Co., 

Ltd, Osaka, Japan, pursuant to Section 3(a)(1) of 

the BHC ACT of 1956, as amended, and 

indirectly acquire control of its wholly-owned 

subsidiary Sumitomo Trust and Banking 

Co.,(USA), Hoboken, New Jersey, and 

thereafter, engage in certain nonbanking 

activities pursuant to Sections 4(c)(8)and 4(j)of 

the BHC Act and Section 225.24 of Regulation 

Y.

CHUO MITSUI TRUST 

HOLDINGS, INC.

Newspaper:

Federal Register:

Other Foreign Not applicable

Not applicable

CLS Bank International, New York, New York, 

an Edge Corporation, requests approval to 

amend its Articles of Association to increase its 

Capital Stock.

CLS BANK INTERNATIONAL

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5 12/03/2010

First Niagara Financial Group, Inc., Buffalo, New 

York ("FNFG"), to acquire all of the shares of 

NewAlliance Bancshares, Inc., New Haven, 

Connecticut ("NAB, Inc.") and thereby NAB, 

Inc.'s subsidiary, NewAlliance Bank, New 

Haven Connecticut, and subsequently merge 

NAB, Inc. with and into FNFG.

FIRST NIAGARA FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

* 3A3

4c8

* 18C

* Branch

* 4c8

Not available

M&T Bank Corporation, Buffalo, New York, to 12/25/2010

acquire Wilmington Trust Corporation and 

thereby indirectly acquire Wilmington Trust 

Company, both of Wilmington, Delaware; and 

thereby indirectly to acquire Wilmington Trust 

FSB, Baltimore, Maryland, and other 

non-banking subsidiaries of Wilmington Trust 

Corporation and thereby operate a savings 

association and engage in other non-banking 

activities. Manufacturers and Traders Trust 

Company, Buffalo, New York, to purchase 

certain assets and assume certain liabilities of 

Wilmington Trust Company and Wilmington 

Trust FSB.

M&T BANK CORPORATION

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Standard Chartered Bank International 

(Americas) Limited, Miami, Florida, to make an 

investment in a limited partnership to be 

organized under the laws of the Cayman 

Islands, pursuant to Section 211.9(f) of 

Regulation K.

STANDARD CHARTERED BANK 

INTERNATIONAL (AMERICAS) 

LIMITED

* 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 25, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

12/08/2010

Warburg Pincus Private Equity S, L.P., New 

York, NY, to acquire up to 19.7% of National 

Penn Bancshares, Inc, Boyertown, PA.

WARBURG PINCUS PRIVATE 

EQUITY X, L.P.

* 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 25, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

01/24/2011

FNB Bancshares, Inc., Sycamore, OH to become 

a bank holding company by acquiring 100% of 

the voting shares of First National Bank of 

Sycamore, Sycamore, OH.

FNB Bancshares, Inc.

* 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 25, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 01/18/2011

01/14/2011

Piedmont Community Bank Holdings, Inc., 

Raleigh, North Carolina, to acquire 100% of the 

voting shares of Community Bank of Rowan, 

Salisbury, North Carolina.

PIEDMONT COMMUNITY BANK 

HOLDINGS, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Union First Market Bank, Richmond, Virginia, 01/03/2011

proposes to establish a branch at 1044 

Warrenton Road, Stafford, Virginia, 22406

UNION FIRST MARKET 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 25, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 01/17/2011

01/11/2011

After-the-fact change in control notice filed by 

Jan Malcolm Jones, Jr., and Leslie Ann Jones, 

Jacksonville, Florida, to retain 13 percent of the 

outstanding shares of Florida Capital Group, 

Inc., and its subsidiary bank, Florida Capital 

Bank, both of Jacksonville, Florida.

FLORIDA CAPITAL GROUP, INC.

* 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 25, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Bank Iowa, Clarinda, Iowa, to merge with sister 

banks: Bank Iowa, Altoona, Iowa; Bank Iowa, 

Denison, Iowa; Bank Iowa, Humboldt, Iowa; 

Bank Iowa, New Hampton, Iowa; Bank Iowa, 

Oskaloosa, Iowa; Bank Iowa, Red Oak, Iowa. 

As a result of these mergers, all offices will 

become offices of Bank Iowa, Clarinda, Iowa.

BANK IOWA

Newspaper:

Federal Register:

CIC Not available

08/23/2010

Notice by Betty J. Bradshaw 2000 Irrevocable 

Trust dated 10/30/00-Charles M. Shea, Trustee, 

to acquire shares of First Community 

Bancshares Corp., Anamosa, Iowa, and thereby 

indirectly acquire shares of First Community 

Bank, Milton, Wisconsin.

FIRST COMMUNITY 

BANCSHARES CORP.

* 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 25, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 25, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/04/2011

Notice by Karl J. Breyer, Minneapolis, 

Minnesota, to acquire 10 percent or more of the 

shares of First Advantage Bancshares, Inc., 

Coon Rapids, Minnesota, and thereby indirectly 

gain control of First Advantage Bank, Coon 

Rapids, Minnesota. In addition, notice by 

Richard M. Ihrig, and Colleen J. Cooper, both of 

Minneapolis, Minnesota, to jointly acquire 10 

percent or more of the shares of First 

Advantage Bancshares, Inc., Coon Rapids, 

Minnesota, and thereby indirectly gain control 

of First Advantage Bank, Coon Rapids, 

Minnesota.

FIRST ADVANTAGE 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 12/28/2010

12/17/2010

Change in control notice by Rick E. Skates and 

Kathy A. Skates, both of Polson, Montana, 

individually, and with Scott Farley and Natalie 

Farley, both of Enterprise, Alabama, Richard 

Pedersen, Everett, Washington, and Debbie 

Denton, Polson, Montana, as a group acting in 

concert, to acquire and retain 25 percent or more 

of the shares of Flathead Lake Bancorporation, 

Inc., Polson, Montana, and thereby indirectly 

acquire and retain control of First Citizens Bank 

of Polson, National Association, Polson, 

Montana.

FLATHEAD LAKE 

BANCORPORATION, 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 25, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 01/14/2011

01/14/2011

Commerce Bank and Trust Holding Company 

Employee Stock Ownership Plan, to acquire an 

additional 3.78 percent for a total of up to 35.8 

percent of the voting shares of Commerce Bank 

and Trust Holding Company, parent of 

CoreFirst Bank & Trust, all in Topeka, Kansas.

COMMERCE BANK AND TRUST 

HOLDING COMPANY 

EMPLOYEE STOCK OWNERSHIP 

PLAN

Newspaper:

Federal Register:

* 3A1 12/03/2010

11/26/2010

Exchange Bancorp of Missouri, Inc., Fayette, 

Missouri, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of Exchange Bank of Missouri, 

Fayette, Missouri.

EXCHANGE BANCORP OF 

MISSOURI, INC.

Newspaper:

Federal Register:

CIC Not available

01/03/2011

Notice submitted by Jeffrey J. Heiman and Jerod 

J. Heiman, both of Wichita, Kansas, to retain 

control of Norcon Financial Corp., parent of 

Conway Bank, National Association, both in 

Conway Springs, Kansas.

NORCON FINANCIAL CORP.

Newspaper:

Federal Register:

CIC 01/04/2011

01/07/2011

Notice submitted by Tribble Family Partners, 

L.P.; Vera Tribble, general partner; David 

Tribble, limited partner; all of Unionville, 

Missouri; and Diana Bennett, limited partner, 

Bethany, Missouri, to retain control of Northern 

Missouri Bancshares, Inc., parent of Farmers 

Bank of Northern Missouri, National 

Association, both in Unionville, Missouri.

NORTHERN MISSOURI 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 12/03/2010

12/06/2010

Northern Missouri Bancshares, Inc., Unionville, 

Missouri, to acquire at least 51 percent of the 

voting shares of Exchange Bancorp of Missouri, 

Inc., Fayette, Missouri, parent of Exchange 

Bank of Missouri, Fayette, Missouri.

NORTHERN MISSOURI 

BANCSHARES, INC.

* 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 25, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 01/10/2011

01/10/2011

Connemara Bancorp, Inc., Dallas, Texas, to 

become a bank holding company by acquiring 

100 percent of First Amherst Bancshares, Inc., 

Amherst, Texas, and indirectly acquire First 

National Bank, Amherst, Texas.

CONNEMARA BANCORP, INC.

Newspaper:

Federal Register:

4c8 Not applicable

01/11/2011

Grupo Financiero Banorte, S.A.B. de C.V., 

Mexico City, Mexico to acquire 100 percent of 

Ixe Grupo Financiero, S.A.B. de C.V., 

Cuauhtemoc, Mexico and indirectly acquire Ixe 

Securities, LLC, New York, New York and 

thereby continue to engage in securities 

brokerage activities pursuant to Section 

225.28(b)(7)(i) of Regulation Y.

GRUPO FINANCIERO 

BANCRECER, S.A., DE C.V.

* 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 25, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

4c8 11/22/2010

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management Company, LLC, Carpenter 

Community Bancfund, L.P., Carpenter 

Community Bancfund-A, L.P., Carpenter 

Community Bancfund-CA, L.P., CGB Holdings, 

Inc., CCFW, Inc., and SCJ, Inc., all of Irvine, 

California, to acquire 100 percent of Professional 

Business Bank, Pasadena, California, in 

connection with the merger of Professional 

Business Bank with and into California General 

Bank, Pasadena, California; and 2)CGB 

Holdings, Inc., Irvine, California, to form a 

wholly-owned subsidiary, CGB Asset 

Management, Inc., Irvine, California, to engage 

in extending credit and servicing loans, 

pursuant to section 225.28 (b)(1) of Regulation 

Y.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

CIC Not available

12/17/2010

1)LG C-Co, LLC, Green Equity Investors V, L.P., 

Leonard Green & Partners, L.P., Green Equity 

Investors Side V, L.P., GEI V Offshore Investors, 

L.P., GEI V Special Investors, L.P., Green V 

Holdings, LLC, GEI Capital V, LLC, and LGP 

Management, Inc., all of Los Angeles, 

California, John G. Danhakl, Pacific Palisades, 

California, Peter J. Nolan, Manhattan Beach, 

California; and Jonathan D. Sokoloff, Los 

Angeles, California, to acquire 10 percent or 

more of Cascade Bancorp, and thereby 

indirectly acquire control of Bank of the 

Cascades, both of Bend, Oregon; and 2) 

Cascade Bancorp, Bend, Oregon, to appoint 

Michael John Connolly as a Director.

CASCADE BANCORP

Newspaper:

Federal Register:

CIC Not available

12/17/2010

1) WLR CB AcquisitionCo LLC, WL Ross & Co. 

LLC, WLR Recovery Fund IV, L.P., WLR IV 

Parallel ESC, L.P. IV, Invesco North America 

Holdings, Inc., Invesco WLR IV Associates 

LLC, WLR Recovery Associates IV LLC, WL 

Ross Group L.P., El Vedado LLC, all of New 

York, New York, Wilbur L. Ross, Jr., Palm Beach, 

Florida, Invesco Ltd., Invesco Group Services, 

IVZ, Inc., Invesco Group Services, Inc., Invesco 

Advisers, Inc., Invesco Private Capital, Inc.,all 

of Atlanta, Georgia, Invesco Holding Company 

Limited, London, United Kingdom, and Invesco 

AIM Management Group, Inc., Houston, Texas, 

to acquire 10 percent or more of Cascade 

Bancorp, and thereby indirectly acquire control 

of Bank of the Cascades, both of Bend, Oregon; 

and 2) Cascade Bancorp, Bend, Oregon, to 

appoint James Bicknell Lockhart III as a 

Director.

CASCADE BANCORP

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

Federal Reserve Bank of San Francisco

Filings received during the week ending December 25, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

12/20/2010

BOTC Holdings LLC and persons that are 

acting with or control 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, Lightyear Capital II, LLC, Lightyear Capital 

LLC and Donald B. Marron), all of New York, 

New York, to acquire 24.35 percent of Cascade 

Bancorp, and thereby indirectly acquire control 

of The Bank of the Cascades, both of Bend, 

Oregon.

CASCADE BANCORP

Newspaper:

Federal Register:

CIC Not available

12/17/2010

ACMO-CPF, L.L.C., New York, New York, and 

persons that are acting with or control 

ACMO-CPF, L.L.C. (Anchorage Capital Master 

Offshore, Ltd., ACPO Master, L.P., Anchorage 

Capital Partners Offshore, Ltd., ACPO Master, 

Ltd., all of Grand Cayman, Cayman Islands; 

Anchorage Capital Partners, L.P., Anchorage 

Capital Group, L.L.C. (f/k/a Anchorage 

Advisors, L.L.C.), Anchorage Capital, L.L.C. 

(f/k/a Anchorage Capital Group, L.L.C.), 

Anchorage Capital Management, L.L.C., 

Anchorage Advisors Management, L.L.C., all of 

Wilmington, Delaware; and Kevin Ulrich and 

Anthony Davis, both of New York, New York, 

to acquire up to 24.9 percent of Central Pacific 

Financial Corp., Honolulu, Hawaii, and thereby 

indirectly acquire control of Bancorp's 

subsidiary, Central Pacific Bank, Honolulu, 

Hawaii.

CENTRAL PACIFIC FINANCIAL 

CORP.

Newspaper:

Federal Register:

CIC Not available

Not available

Marc Jonathan Foulkrod and Jamie Foulkrod, 

both of Moorpark, California, to acquire 

additional voting shares of Mission Valley 

Bancorp, Sun Valley, California, and thereby 

indirectly acquire shares of Mission Valley 

Bank, Sun Valley, California.

MISSION VALLEY BANCORP

* 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