Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 18 

Week Ending April 30, 2011

Board of Governors of the Federal Reserve System, Washington, DC 20551
Bank Holding Companies

M&T Bank Corporation, Buffalo, New York -- to acquire Wilmington Trust 

Corporation, Wilmington, Delaware, and its subsidiary bank, Wilmington Trust 

Company, and subsidiary savings association, Wilmington Trust FSB, Baltimore, 

Maryland; and for M&T's subsidiary bank, Manufacturers and Traders Trust 

Company, Buffalo, New York, to acquire certain assets and assume certain liabilities 

of Wilmington Trust Company and Wilmington Trust FSB and to establish branches 

at the existing locations.

- Approved, April 26, 2011

Mitsubishi UFJ Financial Group, Inc., Tokyo, Japan -- determination that the 

structure of a proposed ownership interest would not result in the ability to exercise a 

controlling influence over Morgan Stanley, New York, New York.

- Concurred, April 22, 2011

(A/C)

Enforcement

Community Bankers Trust Corporation, Glen Allen, Virginia, and Essex Bank, 

Tappahannock -- written agreement with the Federal Reserve Bank of Richmond and 

the State Corporation Commission Bureau of Financial Institutions.

- Announced, April 26, 2011

First Southern Bancorp, Statesboro, Georgia -- written agreement with the Federal 

Reserve Bank of Atlanta.

- Announced, April 26, 2011

The Leaders Group, Inc., Oak Brook, Illinois -- written agreement with the Federal 

Reserve Bank of Chicago.

- Announced, April 28, 2011

H.2 Board Actions April 24, 2011 to April 30, 2011

(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 Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSD Office of Staff Director

April 24, 2011 to April 30, 2011

Bank Branches, Domestic

First Virginia Community Bank, Fairfax, Virginia -- to establish a branch at 

11260 Roger Bacon Drive, Suite 101, Reston.

Richmond

- Approved, April 27, 2011

Southern Bancorp Bank, Arkadelphia, Arkansas -- to establish a branch at 

970 Byhalia Road, Hernando, Mississippi.

St. Louis

- Approved, April 29, 2011

Summit Bank, Arkadelphia, Arkansas -- to establish a branch in Lonsdale.

St. Louis

- Approved, April 27, 2011

Bank Holding Companies

IBERIABANK Corporation, Lafayette, Louisiana -- waiver of application to merge 

with Omni Bancshares, Inc., Metairie, in connection with the merger of their 

respective subsidiary banks, IBERIABANK, Lafayette, and Omni Bank, Metairie.

Atlanta

- Granted, April 26, 2011

(A/C) = Addition or Correction Delegated - 1 of 3
Bank Holding Companies

Norwood Financial Corp., Honesdale, Pennsylvania -- waiver of application to 

acquire North Penn Bancorp, Inc., Scranton, in connection with the merger of North 

Penn's subsidiary savings bank, North Penn Bank, with and into Norwood's 

subsidiary bank, Wayne Bank, Honesdale.

Philadelphia

- Granted, April 29, 2011

Bank Mergers

IBERIABANK, Lafayette, Louisiana -- to merge with Omni Bank, Metairie.

Atlanta

- Approved, April 26, 2011

Change in Bank Control

Baileyville Bancshares, Inc., Seneca, Kansas -- change in bank control of Baileyville 

and its subsidiary bank, Baileyville State Bank, Seneca.

Kansas City

- Permitted, April 28, 2011

Brand Group Holdings, Inc., Lawrenceville, Georgia -- change in bank control of 

Brand Group and its subsidiary bank, The Brand Banking Company, Lawrenceville 

(two notices).

Atlanta

- Permitted, April 29, 2011

First United, Inc., Central City, Kentucky -- to retain control of First United and its 

subsidiary bank, First National Bank of Muhlenberg County, Central City.

St. Louis

- Withdrawn, April 28, 2011

H.2 Actions under delegated authority April 24, 2011 to April 30, 2011

(A/C) = Addition or Correction Delegated - 2 of 3
Membership

Northwest Bank, Spencer, Iowa -- to become a member of the Federal Reserve 

System on conversion from a federal savings association to a state-chartered bank.

Chicago

- Approved, April 27, 2011

H.2 Actions under delegated authority April 24, 2011 to April 30, 2011

(A/C) = Addition or Correction Delegated - 3 of 3
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending April 30, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 Not available

Lowell Five Bancorp, MHC and Lowell Five 

Bancorp, Inc., both of Lowell, Massachusetts, 

to become a mutual bank holding company and 

a stock bank holding company, respectively, by 

acquiring The Lowell Five Cents Savings Bank, 

Lowell, Massachusetts, pursuant to sections 

3(a)(1) and 3(a)(3) of the Bank Holding 

Company Act of 1956, as amended.

LOWELL FIVE BANCORP MHC

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 05/16/2011

Mechanics Bancorp, MHC and Mechanics 

Bancorp, Inc., both of Taunton, Massachusetts, 

to become a mutual bank holding company and 

a stock bank holding company, respectively, by 

acquiring Mechanics Co-operative Bank, 

Taunton, Massachusetts, pursuant to sections 

3(a)(1) and 3(a)(3) of the Bank Holding 

Company Act of 1956, as amended.

MECHANICS BANCORP, MHC

Newspaper:

Federal Register:

* 3A1 Not available

05/16/2011

Newburyport Five Cents Bancorp, MHC and 

Newburyport Five Cents Bancorp, Inc., both of 

Newburyport, Massachusetts, to become a 

mutual bank holding company and a stock bank 

holding company, respectively, by acquiring 

Newburyport Five Cents Savings Bank, 

Massachusetts, pursuant to sections 3(a)(1) 

and 3(a)(3) of the Bank Holding Company Act 

of 1956, as amended.

NEWBURYPORT FIVE CENTS 

BANCORP MHC

* 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 April 30, 2011

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 April 30, 2011

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 April 30, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Notice by Insight Bancshares, Inc., Columbus, 

OH of its intent to form a bank holding company 

by acquiring 100% of the voting shares of 

Insight Bank, Columbus, OH.

Insight Bancshares, Inc.

Newspaper:

Federal Register:

CIC

Not available

Notice of Change in Bank Control by Mark A. 05/13/2011

Snyder, Kittanning, Pennsylvania, to acquire up 

to 13.74% of the voting shares of NexTier,Inc., 

Butler, Pennsylvania

NEXTIER INCORPORATED

* 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 April 30, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

First Community Bank, Bluefield, Virginia, to 

become a state member bank upon the 

conversion of First Community Bank, N.A.

FIRST COMMUNITY BANK, 

NATIONAL ASSOCIATION

Newspaper:

Federal Register:

* 3A3 Not available

05/27/2011

Piedmont Community Bank Holdings, Inc., 

Raleigh, North Carolina, to acquire up to 66% of 

the voting securities of Crescent Financial 

Corporation, Cary, North Carolina, and thereby 

indirectly acquire control of Crescent State 

Bank, Cary, North Carolina.

PIEDMONT COMMUNITY BANK 

HOLDINGS, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

RBC Bank (USA), Raleigh, North Carolina, to 

establish a branch at 3401 Raleigh Road, 

Wilson, North Carolina

RBC BANK (USA)

* 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 April 30, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 05/25/2011

05/27/2011

The BANKshares, Inc., Winter Park, Florida, to 

merge with The Commercial Bancorp, Inc., and 

its subsidiary, East Coast Community Bank, 

both of Ormond Beach, Florida.

BANKSHARES, INC., THE

Newspaper:

Federal Register:

CIC

Not available

Prior change in control notice filed by Ranjeet 05/28/2011

Singh Sidhu, Kuala Lumpur, Malaysia, to 

acquire approximately 85.54 percent of the 

outstanding shares of Hometown Community 

Bancshares, and its subsidiary, Hometown 

Community Bank, both of Braselton, Georgia.

HOMETOWN COMMUNITY 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3

Not available

Sequatchie Valley Bancshares, Inc., Dunlap, 05/30/2011

Tennessee to acquire 100 percent of the 

outstanding shares of The Citizens Bank of 

Spencer, Spencer, Tennessee.

SEQUATCHIE VALLEY 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 05/25/2011

05/27/2011

Teche Holding Company, MRP, L.L.C., Patrick 

Little, L.L.C., and Ross Little, Jr., L.L.C., all of 

New Iberia, Louisiana, to become bank holding 

companies by acquiring 100 percent of the 

outstanding shares of Teche Federal Bank, New 

Iberia, Louisiana.

TECHE HOLDING COMPANY

* 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

 279338 FIRST S BK, BOCA RATON, FLORIDA 09/20/2010 03/04/2011 S Int Sm Bank

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 April 30, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

American State Bank, Osceola, Iowa, to 

purchase certain assets and assume the 

deposits of the Winterset branch office of 

Exchange State Bank, Adair, Iowa. American 

State Bank will thereby establish a branch office 

at 113 S. John Wayne Drive, Winterset, Iowa.

AMERICAN STATE BANK

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Bank Midwest, Spirit Lake, Iowa, to merge with 04/29/2011

Farmers State Bank of Sherburn, Sherburn, 

Minnesota. As a result of the merger, Bank 

Midwest will establish a branch office at 33 

North Main Street, Sherburn, Minnesota.

BANK MIDWEST

Newspaper:

Federal Register:

* 18C

Not applicable

Citizens Bank, Flint, Michigan, to merge with 05/24/2011

Citizens Bank Wealth Management, National 

Association, Flint, Michigan.

CITIZENS BANK

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Marshall & Ilsley Corporation, Milwaukee, 

Wisconsin, to acquire an additional 4 percent 

equity interest in Taplin, Canida & Habacht, 

LLC, Miami, Florida, and thereby continue to 

engage in financial and investment advisory 

services and securities brokerage services.

MARSHALL & ILSLEY 

CORPORATION

* 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

 836544 COLUMBUS JUNCTION ST BK, COLUMBUS JUNCTION, IOWA 12/13/2010 04/04/2011 S Small Bank

 180443 IOWA PRAIRIE BK, BRUNSVILLE, IOWA 12/06/2010 04/21/2011 S Small Bank

 2533119 NORTHSIDE CMNTY BK, GURNEE, ILLINOIS 11/08/2010 04/25/2011 S Large Bank

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 April 30, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

05/20/2011

Canton Bancshares, Inc., Hannibal, Missouri, to 

acquire 100 percent of Canton State Bank, 

Canton, Missouri.

CANTON BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3

Not available

First Security Bancorp, Searcy, Arkansas, to 05/24/2011

increase its ownership in CrossFirst Holdings, 

LLC, Leawood, Kansas, from 3.96 percent to 9.9 

percent.

FIRST SECURITY BANCORP

Newspaper:

Federal Register:

CIC

Not available

Notice by The Lawton Partners Trust, with 05/18/2011

Robert A. Lawton as trustee, Central City, 

Kentucky, to retain control of First United, 

Inc., Central City, Kentucky.

FIRST UNITED, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Fordyce Bank and Trust Company, Fordyce, 

Arkansas, to become a member of the Federal 

Reserve System.

FORDYCE BANK & TRUST CO.

* 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 April 30, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

05/17/2011

Change in Control Notice by Brian P. Short, St. 

Paul, Minnesota; Carolyn P. Short, Flourtown, 

Pennsylvania; and Marianne D. Short, St. Paul, 

Minnesota; individually and as trustees of 

fourteen Short family trusts, to retain 25 percent 

or more of the voting shares and thereby 

control of 215 Holding Company, Minneapolis, 

Minnesota. Kevin J. Short, Mahtomedi, 

Minnesota; Elizabeth J. Short, University 

Heights, Ohio; Colleen V. Short, Edina, 

Minnesota; and the trustees (Marion D. Short, 

Edina, Minnesota; Brian P. Short; Carolyn P. 

Short; and Marianne D. Short) on behalf of one 

or more of seventeen Short family trusts to join 

the Short Family Group, which controls 25 

percent or more of the voting shares of 215 

Holding Company, and thereby indirectly retain 

control of First Farmers & Merchants National 

Bank, Luverne, Minnesota; First Farmers & 

Merchants National Bank, Fairmont, Minnesota; 

First Farmers & Merchants State Bank, 

Brownsdale, Minnesota; First Farmers & 

Merchants State Bank of Grand Meadow, Grand 

Meadow, Minnesota; First Farmers & 

Merchants National Bank, Le Sueur, Minnesota; 

and White Rock Bank, Cannon Falls, 

Minnesota.

215 HOLDING CO.

Newspaper:

Federal Register:

CIC Not available

05/12/2011

Change in Control Notice by James Anton 

Senty, Onalaska, Wisconsin, to gain control of 

Northern Financial Corporation, Independence, 

Wisconsin, and thereby indirectly gain control 

of Independence State Bank, Independence, 

Wisconsin.

NORTHERN FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

05/27/2011

Saint Joseph Bancshares Acquisitions, Inc., 

Saint Joseph, Minnesota, to acquire 100 percent 

of Financial Bancshares Company, Becker, 

Minnesota, and thereby indirectly acquire 

Sherburne State Bank, Becker, Minnesota.

SAINT JOSEPH BANCSHARES 

ACQUISITIONS, 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

 648055 VALLEY BK OF HELENA, HELENA, MONTANA 01/03/2011 04/22/2011 O Int Sm Bank

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 April 30, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 05/20/2011

05/10/2011

BancFirst Corporation, Oklahoma City, 

Oklahoma, to acquire FBC Financial 

Corporation, parent of 1st Bank Oklahoma, both 

in Claremore, Oklahoma, and thereby engage in 

the operation of a savings association.

BANCFIRST CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Notification by the O. Jay Tomson Revocable 

Trust, Ollie Jay Tomson, Mason City, Iowa, 

trustee, to retain control of FBHC Holding 

Company, parent of Flatirons Bank, both in 

Boulder, Colorado.

FBHC HOLDING COMPANY

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Palco Bankshares, Inc., Palco, Kansas, to 

become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Midwest Community Bank, Plainville, 

Kansas.

PALCO BANKSHARES, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

RCB Bank, Claremore, Oklahoma, to become a 

member of the Federal Reserve System.

RCB BANK

* 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

 41955 BANK OF NEWMAN GROVE, NEWMAN GROVE, NEBRASKA 01/31/2011 04/22/2011 S Small Bank

 12656 EMERALD BK, BURDEN, KANSAS 01/24/2011 04/25/2011 S Small Bank

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 April 30, 2011

Filer Filing Type Filing Proposal End of Comment Period

Jonathan Ross Kasling of Hughes Springs, Texas, 

Individually; Mayo Givens Kasling III of Hughes 

Springs, Texas, Individually; Jonathan Ross 

Kasling of Hughes Springs, Texas; Mayo Givens 

Kasling III of Hughes Springs, Texas; Mayo 

Givens Kasling, Jr. of Hughes Springs, Texas and 

Mayo Givens Kasling, Jr. as Trustee for the Mayo 

G. Kasling III 1996 Trust and as Trustee for the 

Jonathan Ross Kasling 1996 Trust; Rebecca Lynn 

Kasling of Hughes Springs, Texas; Mayo Givens 

Kasling, Sr. of Hughes Springs, Texas; Catherine 

Denise Kasling DeWitt of Hughes Springs, Texas; 

Misty Morgan Lake of Hughes Springs, Texas; 

Randall Marc Morgan of Hughes Springs, Texas; 

Sarah Virginia Kasling Shelton of Hughes Springs, 

Texas and Sarah Virginia Kasling as Trustee for the 

Ricky Dub Shelton Jr. 1996 Trust and as Trustee 

for the Shelby Shelton 1996 Trust and as Trustee 

for the Trenton Shelton 1996 Trust; Roy Kemp 

Kasling of Austin, Texas and Roy Kemp Kasling as 

Trustee for the Alexandra Kasling 1996 Trust and 

as Trustee for the Natalie Kasling 1996 Trust; all as 

members of the Kasling Family Group, intend to 

apply to the Federal Reserve Board for permission 

to retain control of 25 percent or more of the shares 

of Chalybeate Springs Corporation, Hughes 

Springs, Texas and thereby indirectly retain control 

of The First National Bank of Hughes Springs, 

Hughes Springs, Texas.

CHALYBEATE SPRINGS 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

05/11/2011

Platinum Bancshares of Texas, Inc., Lubbock, 

Texas, to become a bank holding company by 

acquiring 100 percent of Platinum Bank, Lubbock, 

Texas.

PLATINUM BANCSHARES OF 

TEXAS, INC.

Newspaper:

Federal Register:

* 3A1 Not available

05/27/2011

* 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 April 30, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

AltaPacific Bank, Santa Rosa, California, to 05/09/2011

establish a branch office at 9373 Haven Avenue, 

Rancho Cucamonga, California.

ALTAPACIFIC BANK

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Bank of Taiwan, Taipei, Taiwan, to upgrade its 

New York Agency to a branch office pursuant 

to section 211.24(a)(2)(ii)(a) of Regulation K and 

seciton 7(d) of FBSEA.

BANK OF TAIWAN

Newspaper:

Federal Register:

CIC Not available

04/28/2011

Interagency Notice of Change in Control by 

Wheatland Bank Employee Stock Ownership 

Plan, Spokane, Washington, and its trustees, 

Susan Marie Horton, Cheney, Washington; 

Dennis Dale Bly, Davenport, Washington; and 

Jayne Therese Deife, Marlin, Washington, for 

approval to retain 23.71 percent of the 

outstanding voting shares of Community 

Financial Group, Inc. and thereby indirectly 

Wheatland Bank, both of Spokane, 

Washington.

COMMUNITY FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

CIC Not available

04/28/2011

Interagency Notice of Change in Control by 

Susan Marie Horton, Cheney, Washington; 

Raymond Lee Pittman, Jr., Mesa, Arizona; Rosa 

Maria Pittman, Spokane, Washington; Ted 

Davis Rhodes, Spokane Valley, Washington; 

and Wheatland Bank Employee Stock 

Ownership Plan, Spokane, Washington, 

together a group acting in concert for approval 

to retain 22.13 percent of the outstanding shares 

of Community Financial Group, Inc. and thereby 

indirectly control Wheatland Bank, both of 

Spokane, Washington.

COMMUNITY FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Noticce of Change in Control by 

Castle Creek Capital IV, Castle Creek Advisors 

IV, LLC, Castle Creek Capital Partners IV, LP, 

John Eggemeyer, William Ruh, Mark Merlo, and 

Joseph Misesell Thomas, all of Rancho Santa 

Fe, California, to acquire up to 24.9 percent of 

Intermountain Community Bancorp, and thereby 

indirectly Panhandle State Bank, both of 

Sandpoint, Idaho.

INTERMOUNTAIN 

COMMUNITY BANCORP

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Noticce of Change in Control by 

Stadium Capital Partners, L.P., Stadium Capital 

Qualified Partners, L.P., Stadium Capital 

Management LLC, and John Welborn, all of 

Bend, Oregon, to acquire up to 24.9 percent of 

Intermountain Community Bancorp, and thereby 

indirectly Panhandle State Bank, both of 

Sandpoint, Idaho.

INTERMOUNTAIN 

COMMUNITY BANCORP

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

Federal Reserve Bank of San Francisco

Filings received during the week ending April 30, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

04/25/2011

Mitsubishi UFJ Financial Group, Inc., Tokyo, 

Japan, to acquire up to 24.9 percent of Morgan 

Stanley, New York, New York, and indirectly its 

subsidiaries, Morgan Stanley Capital 

Management LLC, New York, New York, 

Morgan Stanley Domestic Holdings, Inc., New 

York, New York, Morgan Stanley Bank, National 

Association, Salt Lake City, Utah, and Morgan 

Stanley Private Bank, National Association, 

Purchase, New York, pursuant to section 3(a)(3) 

of the Bank Holding Company Act.

MITSUBISHI UFJ FINANCIAL 

GROUP, INC.

* 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