Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 41 

Week Ending October 8, 2011

Board of Governors of the Federal Reserve System, Washington, DC 20551
Testimony and Statements

Economic Outlook and Monetary Policy -- statement by Chairman Bernanke before 

the Joint Economic Committee of the U.S. Congress on the economic outlook and 

recent monetary policy actions.

- Published, October 4, 2011

Banking Supervision & Regulation

Extensions of Time -- delegation of authority to the director of the Division of 

Banking Supervision and Regulation, with the concurrence of the general counsel, to 

extend the processing periods for certain applications and notices filed under the 

Bank Holding Company Act, Home Owners' Loan Act, and International Banking 

Act.

- Approved, October 5, 2011

Forms

Forms -- final Board review to extend without revision the Recordkeeping, 

Reporting, and Disclosure Requirements in Connection with Regulation BB 

(Community Reinvestment Act).

- Approved, October 3, 2011

Forms -- initial Board review to extend with revision the Survey of Terms of 

Business Lending (FR 2028A), Survey of Terms of Bank Lending to Farmers 

(FR 2028B), and Prime Rate Supplement to the Survey of Terms of Lending 

(FR 2028S).

- Proposed, October 5, 2011

H.2 Board Actions October 2, 2011 to October 8, 2011

(A/C) = Addition or Correction Board - Page 1 of 2
Regulations and Policies

Regulation VV (Proprietary Trading and Relationships with Covered Funds) -- 

publication for comment of an interagency rule to implement the so-called Volcker 

Rule of the Dodd-Frank Act, which contains certain prohibitions and restrictions on 

banking entities and nonbank financial companies supervised by the Federal Reserve.

- Approved, October 7, 2011

Regulations D (Reserve Requirements of Depository Institutions) and J (Collection 

of Checks and Other Items by Federal Reserve Banks and Funds Transfers Through 

Fedwire) -- publication for comment of amendments to simplify the administration of 

reserve requirements and to make other technical changes.

- Approved, October 7, 2011

Enforcement

State Bank Financial, La Crosse, Wisconsin -- written agreement dated September 

13, 2010, terminated September 27, 2011.

- Announced, October 4, 2011

Tennessee Valley Financial Holdings, Inc., Oak Ridge, Tennessee -- written 

agreement with the Federal Reserve Bank of Atlanta.

- Announced, October 4, 2011

H.2 Board Actions October 2, 2011 to October 8, 2011

(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 Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSD Office of Staff Director

October 2, 2011 to October 8, 2011

Bank Holding Companies

Community Bank Partners, Inc., Denver, Colorado -- to engage in lending activities.

Kansas City

- Approved, October 6, 2011

FNB United Corp., Asheboro, North Carolina -- to acquire Bank of Granite 

Corporation, Granite Falls, and thereby acquire Bank of Granite.

Richmond

- Approved, October 4, 2011

Veritex Holdings, Inc., Dallas, Texas; WCM Parkway Ltd.; and WCM Holdings, Inc. 

-- waiver of prior-notice requirement in connection with the merger of their 

subsidiary bank, Veritex Community Bank, National Association, Dallas, and Bank 

of Las Colinas (a federal savings association), Irving.

Dallas

- Granted, October 7, 2011

Banks, Foreign

Banco do Estado do Rio Grande do Sul S.A., Port Alegre, Brazil -- to establish a 

limited federal branch in Miami, Florida.

Director, BS&R

- Approved, October 6, 2011

(A/C) = Addition or Correction Delegated - 1 of 4
Change in Bank Control

Evans Bancshares, Inc., Evansdale, Iowa -- change in bank control of Evans and its 

subsidiary bank, First Security State Bank, Evansdale.

Chicago

- Permitted, October 3, 2011

First BanCorp, San Juan, Puerto Rico -- change in bank control of First BanCorp and 

its subsidiary bank, FirstBank Puerto Rico, San Juan (two notices).

New York

- Permitted, October 5, 2011

Extensions of Time

Bank of America Corporation, Charlotte, North Carolina -- extension of time to 

divest certain merchant banking investments.

Director, BS&R

- Granted, October 4, 2011

BSB Bancorp, Inc., Belmont, Massachusetts -- extension to November 12, 2011, to 

acquire Belmont Savings Bank, Belmont, in connection with the conversion of the 

holding company from mutual to stock form.

Boston

- Granted, October 4, 2011

Citigroup Inc., New York, New York -- extension of time for Citigroup Realty 

Services to divest certain real estate.

Director, BS&R

- Granted, October 4, 2011

H.2 Actions under delegated authority October 2, 2011 to October 8, 2011

(A/C) = Addition or Correction Delegated - 2 of 4
Extensions of Time

Dexia S.A., Brussels, Belgium -- extension of time to divest a merchant banking 

investment.

Director, BS&R

- Granted, October 4, 2011

Golden Oak Bancshares, Inc., Sparta, Wisconsin -- extension to January 8, 2012, to 

become a bank holding company and to acquire shares of Park Bank, Holmen.

Minneapolis

- Granted, October 6, 2011

JPMorgan Chase & Co., Inc., New York, New York -- extension of time to divest 

certain merchant banking investments.

Director, BS&R

- Granted, October 5, 2011

Wells Fargo & Company, San Francisco, California -- extension of time to divest 

certain merchant banking investments.

Director, BS&R

- Granted, October 5, 2011

Western Liberty Bancorp, Las Vegas, Nevada -- extension to January 4, 2012, to 

form a subsidiary, OREOSUB, Las Vegas, to engage in extending credit and 

servicing loans.

San Francisco

- Granted, October 3, 2011

H.2 Actions under delegated authority October 2, 2011 to October 8, 2011

(A/C) = Addition or Correction Delegated - 3 of 4
Financial Holding Companies 

Cornerstone Alliance, Ltd.,Winfield, Kansas -- election to become a financial holding 

company.

Kansas City

- Effective, October 6, 2011

H.2 Actions under delegated authority October 2, 2011 to October 8, 2011

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

Federal Reserve Bank of Boston

Filings received during the week ending October 8, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 09/26/2011

09/26/2011

Application by Stoneham Bancorp, MHC, 

Stoneham, Massachusetts, to become a mutual 

bank holding company by acquiring Stoneham 

Savings Bank, Stoneham, Massachusetts, 

pursuant to section 3(a)(1) of the Bank Holding 

Company Act of 1956, as amended. The sole 

purpose of the reorganization is to facilitate 

Salem Five Bancorp, MHCs proposed 

acquisition of Stoneham Savings Bank.

STONEHAM BANCORP MHC

Newspaper:

Federal Register:

* 3A1 10/15/2011

10/14/2011

Wellesley Bancorp, Inc., Wellesley, 

Massachusetts to acquire 100% of the 

outstanding capital stock of Wellesley Bank, 

Wellesley, Massachusetts, pursuant to section 

3(a)(1) of the BHC Act, in connection with the 

conversion of the bank from mutual to stock 

form.

WELLESLEY BANCORP 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

 1216059 COMMUNITY GUARANTY SVG BK, PLYMOUTH, NEW HAMPSHIRE 06/20/2011 09/30/2011 S Small Bank

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 October 8, 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 October 8, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

MHC Activity Not applicable

10/21/2011

Greene County Bancorp, MHC, Catskill, NY, to 

establish an operating subsidiary, Greene 

Property Holdings, Ltd, Catskill, NY.

GREENE COUNTY BANCORP, 

MHC

Newspaper:

Federal Register:

CIC Not available

09/21/2011

Patriot Financial Partners, GP, L.P., Patriot 

Financial Partners, L.P., Patriot Financial 

Partners Parallel, L.P., Patriot Financial Partners, 

GP, LLC, Patriot Financial Managers, L.P., 

Patriot Financial Manager, LLC. and Messrs. Ira 

M. Lubert, W. Kirk Wycoff and James J. Lynch, 

all of Philadelphia, Pennsylvania, to purchase 

up to 24.9 percent of Porter Bancorp, Inc., 

Louisville, KY.

PATRIOT FINANCIAL 

PARTNERS LP

Newspaper:

Federal Register:

* SLHC Not available

Formation

* MHC 

Conversion

10/17/2011

Polonia Bancorp, Inc., Baltimore, MD, to acquire 

100 percent of Polonia Bancorp, Inc., 

Huntingdon Valley, PA.

Polonia Bancorp, Inc.

* 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 October 8, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 10/19/2011

10/18/2011

Notice of Change in Control by Timothy O'Dell 

Investor Group, New Albany, Ohio, to acquire 

up to 24.99% of the voting shares of Central 

Federal Corporation, Fairlawn, Ohio

CENTRAL FEDERAL 

CORPORATION

Newspaper:

Federal Register:

* SLHC 

Formation

11/07/2011

11/07/2011

Winding Creek Holdings, LLC, Toledo, Ohio to 

become a savings and loan holding company 

through the acquisition of 51% of the voting 

shares of Bank of Maumee, Maumee, Ohio

WINDING CREEK HOLDINGS, 

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

 362717 CROGHAN COLONIAL BK, FREMONT, OHIO 06/06/2011 09/23/2011 S Int Sm Bank

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 October 8, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

S. Christopher Williford, Wilson, North 

Carolina, to control up to 24.69% of the voting 

shares of CB Financial Corporation, Wilson, 

North Carolina.

CB FINANCIAL CORPORATION

Newspaper:

Federal Register:

* 3A1 11/04/2011

11/04/2011

First Carolina Financial Services, Inc., Durham, 

North Carolina, to become a bank holding 

company through the acquisition of 95.26% of 

the voting securities of First Carolina State 

Bank, Rocky Mount, North Carolina, and 

95.65% of the voting securities of Pisgah 

Community Bank, Asheville, North Carolina.

FIRST CAROLINA FINANCIAL 

SERVICES, INC.

* 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

 214722 CHESAPEAKE BK, KILMARNOCK, VIRGINIA 06/27/2011 09/27/2011 S Int Sm Bank

 1010930 UNITED BK, PARKERSBURG, WEST VIRGINIA 03/14/2011 09/22/2011 S Large Bank

 365325 UNITED BK, FAIRFAX, VIRGINIA 03/28/2011 09/22/2011 S Large Bank

 105222 VIRGINIA CMNTY BK, LOUISA, VIRGINIA 06/13/2011 09/19/2011 O Small Bank

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 October 8, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Bankia, S.A., Valencia, Spain, to establish an 

international branch in Miami, Florida.

BANKIA, S.A.

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 10/07/2011

establish a branch located at 1180 West 

Peachtree Street, NE, to be known as the 

Atlanta HQ Branch.

REGIONS BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

USAmeriBank, Clearwater, Florida, to merge 

with Aliant Bank, Alexander City, Alabama.

USAMERIBANK

Newspaper:

Federal Register:

* Branch

Not applicable

USAmeriBank, Clearwater, Florida, to establish a 10/18/2011

branch located at 2781 West Bay Drive, Belleair 

Bluffs, Florida, to be known as the Belleair 

Office.

USAMERIBANK

* 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 October 8, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Ackley State Bank, Ackely, Iowa, to become a 

member of the Federal Reserve System.

ACKLEY STATE BANK

Newspaper:

Federal Register:

* 3A1 Not available

10/05/2011

Continental Community Bancorporation, Inc., 

West Des Moines, Iowa, to become a bank 

holding company by acquiring up to 80 percent 

of Polk County Bank, Johnston, Iowa.

CONTINENTAL COMMUNITY 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A1 Not available

11/04/2011

MutualFirst Financial, Inc., Muncie, Indiana, to 

become a bank holding company by acquiring 

100 percent of the voting shares of MutualBank, 

Muncie, Indiana.

MUTUALFIRST FINANCIAL, 

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 October 8, 2011

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

 456045 CENTENNIAL BK, CONWAY, ARKANSAS 05/09/2011 09/23/2011 S Large Bank

 909541 KING SOUTHERN BK, CHAPLIN, KENTUCKY 04/18/2011 09/27/2011 S Small Bank

 748441 WARREN B&TC, WARREN, ARKANSAS 06/06/2011 09/09/2011 S Small Bank

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 October 8, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/26/2011

Notice by Marilyn Senty Ivers, Great Falls, 

Montana, to retain 25 percent or more of the 

shares of Northern Financial Corporation, 

Independence, Wisconsin, and thereby 

indirectly retain control of Independence State 

Bank, Independence, Wisconsin.

NORTHERN FINANCIAL 

CORPORATION

* 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

 271154 STATE BK OF ALCESTER, ALCESTER, SOUTH DAKOTA 04/25/2011 09/26/2011 O Small 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 October 8, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

10/11/2011

Bon, Inc.; Goering Financial Holding Company 

Partnership, L.P.; and Goering Management 

Company, L.L.C., all of Moundridge, Kansas, to 

acquire 100 percent of the voting shares of 

Home State Bancshares, Inc., McPherson, 

Kansas, parent of Home State Bank & Trust Co., 

McPherson, Kansas.

BON, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Centennial Bank, Centennial, Colorado, to 10/16/2011

establish a branch at 2500 Broadway, Boulder, 

Colorado.

CENTENNIAL BANK

Newspaper:

Federal Register:

CIC Not available

10/10/2011

Notice by Robert Clay Welch, Sugar Creek, 

Missouri, and James Ward Pollard, 

Independence, Missouri, as trustees of the 

Robert E. Oliphant Revocable Trust u/t/a/ dated 

November 10, 2010, to retain control of Country 

Agencies & Investments, Inc., Odessa, 

Missouri, parent of Bank of Odessa, Odessa, 

Missouri, Commercial Bank of Oak Grove, Oak 

Grove, Missouri, and LaMonte Community 

Bank, LaMonte, Missouri.

COUNTRY AGENCIES & 

INVESTMENTS, INC.

Newspaper:

Federal Register:

CIC Not available

10/07/2011

Notice by Teresa N. Pfaff, Lancaster, South 

Carolina, as a member of a group acting in 

concert, to acquire control of First National 

Fairbury Corporation, parent of The First 

National Bank of Fairbury, both in Fairbury, 

Nebraska.

FIRST NATIONAL FAIRBURY 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

10/26/2011

Notice by the Jeff A. Berkley Trust II, Karen M. 

Deckert Trust II, Karla J. Spurgeon Trust II, 

Calvin J. Berkley Trust II, Marika Spurgeon GP 

Trust, Brenna Spurgeon GP Trust, Patrick 

Spurgeon GP Trust, Rebekah Berkley GP Trust, 

Rachel Berkley GP Trust, Megan Berkley GP 

Trust, and Collin Berkley GP Trust, all of 

Tescott, Kansas, to become members of the 

Berkley Family Group acting in concert, who 

control New Millennium Bankshares, Inc., 

parent of Alliance Bank, both in Topeka, 

Kansas. The filing also includes the following 

individuals who serve as co trustees of one or 

more of the trusts, to become members of the 

Berkley Family Group: Calvin Berkley and 

Karen Deckert, both of Tescott, Kansas; and 

Karla Spurgeon, Lawrence, Kansas. In addition, 

Mr. Berkley, Mrs. Deckert, and Mrs. Spurgeon 

are filing individually as members of the Berkley 

Family Group to retain their shares in Company.

NEW MILLENNIUM 

BANKSHARES, INC.

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

Federal Reserve Bank of Kansas City

Filings received during the week ending October 8, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 4c8

10/20/2011

10/17/2011

NBC Bancshares, Inc., NHI Financial Services 

Partners, LLC, and NHI III, LLC, all of Lincoln, 

Nebraska, to acquire 51.05 percent of the voting 

shares of Mountain View Bank of Commerce, 

Westminster, Colorado. NBC Bancshares, Inc., 

NHI Financial Services Partners, LLC, and NHI 

III, LLC, all of Lincoln, Nebraska, to retain 76.44 

percent of the voting shares of Nebraska Bank 

of Commerce, Lincoln, Nebraska, and thereby 

operate a savings association.

NHI FINANCIAL SERVICES 

PARTNERS, LLC

* 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

 463650 ADAMS B&TC, OGALLALA, NEBRASKA 06/20/2011 09/26/2011 S Int Sm Bank

 957757 COMMUNITY B&TC, NEOSHO, MISSOURI 06/20/2011 09/23/2011 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 October 8, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

10/27/2011

Adam Bank Group, Inc., Tampa, Florida, to 

acquire 100 percent of Brazos Valley Bank, 

National Association, College Station, Texas, 

through the merger of its banking subsidiary, 

American Momentum Bank, Tampa, Florida, 

with and into Brazos Valley Bank, National 

Association, with American Momentum Bank 

surviving this merger.

ADAM BANK GROUP, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Dallas, Texas, to establish a 

branch at 4707 E. Cactus Road, Phoenix, Arizona 

85032.

COMERICA BANK

Newspaper:

Federal Register:

CIC Not available

10/03/2011

Notice by Steven Gregory Kidd, Plano, Texas, 

individually and as trustee for The Greg Kidd 

2010 Trust, The John Luster Kidd 2011 Family 

Trust, and as co-trustee for The Family Trust; 

John Luster Kidd, Tyler, Texas, individually and 

as trustee for The Greg and Shelly Kidd 2011 

Trust, The Luster Kidd 2010 Trust, and as 

co-trustee for The Family Trust; and collectively 

Steven Gregory Kidd and John Luster Kidd as 

the Kidd Family Group intend to apply to the 

Federal Reserve Board for permission to 

reorganize their ownership interest and 

otherwise acquire control of Kidd Partners, Ltd., 

Tyler, Texas and indirectly acquire 100 percent 

of Chandler Bancorp, Inc., Tyler, Texas and 100 

percent of Chandler Bancorp of Nevada Inc., 

Carson City, Nevada and 100 percent of Citizens 

State Bank, Tyler, Texas.

KIDD PARTNERS, LTD.

Newspaper:

Federal Register:

* 3A1 Not available

11/04/2011

SHB Bancorp, Inc., Jonesville, Louisiana, to 

become a bank holding company by acquiring 

100 percent of Southern Heritage Bank, 

Jonesville, Louisiana.

SHB BANCORP, INC.

* 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 October 8, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

California Republic Bancorp to become a Bank 

Holding Company by acquiring 100 percent of 

California Republic Bank, both of Newport 

Beach, California.

CALIFORNIA REPUBLIC 

BANCORP

Newspaper:

Federal Register:

* 3A3 Not available

09/28/2011

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management Company, LLC, Carpenter 

Community Bancfund, L.P., Carpenter 

Community BanFund -A, L.P., Carpenter 

Community BandFund - CA, L.P., SCJ, Inc., and 

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

existing controlling parties, to acquire additional 

shares of stock in Manhattan Bancorp, and 

thereby indirectly acquire additional voting 

shares of Bank of Manhattan, N.A., both of El 

Segundo, California.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

CIC 10/11/2011

10/26/2011

Interagency Notice of Change in Control by 

Steven Donald Hovde, Barrington, Illinois, to 

acquire 10 percent of more of the voting shares 

of Coastal Financial Corporation, and thereby 

indirectly acquire Coastal Community Bank, 

both of Everett, Washington; and 2)Coastal 

Financial Corporation and Coastal Community 

Bank, both of Everett, Washington to appoint 

Steven Donald Hovde as a Director.

COASTAL FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

10/27/2011

Interagency Notice of Change in Control by 

Montlake Capital II, L.P, a limited partnership 

and Montlake Capital II-B, L.P., a limited 

partnership, Seattle, Washington, to acquire 

voting shares of Coastal Financial Corporation, 

and thereby indirectly acquire Coastal 

Community Bank, both of Everett, Washington; 

and 2)Coastal Financial Corporation and Coastal 

Community Bank, both of Everett, Washington 

to appoint Andrew Russell Dale as a Director.

COASTAL FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

Not available

FS Bancorp, Inc.,, Mountlake Terrace, 

Washington, to become a bank holding 

company upon the conversion of 1st Security 

Bank of Washington, Mountlake Terrace, 

Washington, from a state savings bank to a 

commercial bank.

FS Bancorp, Inc.

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

Federal Reserve Bank of San Francisco

Filings received during the week ending October 8, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

SLHC Formation Not available

* 4c8 10/18/2011

Opus Bank, Redondo Beach, California, to 

acquire control of RMG Capital Corporation, a 

Savings and Loan Holding Company, and its 

wholly owned thrift subsidiary, Fullerton 

Community Bank, both of Fullerton, California, 

pursuant to section 238.14 of Regulation LL, 

and immediately thereafter merge Fullerton 

Community Bank with and into Opus Bank; and 

2) Opus Bank, Redondo Beach, California, to 

acquire control of RMG Capital Corporation, 

Fullerton, California, and indirect control of 

RMG Development Corporation, and to invest 

indirectly in real estate development joint 

ventures, pursuant to Section 238.53 (b)(4) and 

(5) of Regulation LL.

OPUS BANK

Newspaper:

Federal Register:

CIC Not available

10/07/2011

Interagency Notice of Change in Control by 

James Gaines McCullar and Carolyn Jean 

McCullar, both of Soap Lake, Washington, to 

acquire up to 22.44 percent of Riverbank 

Holding Company, and thereby indirectly 

acquire Riverbank, both of Spokane, 

Washington.

RIVERBANK HOLDING 

COMPANY

Newspaper:

Federal Register:

Other Foreign Not applicable

Not applicable

Prior Regulation K notice from Wells Fargo to 

engage in underwriting and distributing equity 

securities (pursuant to section 211.10(a)(14) of 

Regulation K) through Wells Fargo Securities 

International Ltd., a wholly owned subsidiary of 

Wells Fargo International Banking Corporation, 

an Edge Act subsidiary of Wells Fargo Bank, 

NA.

WELLS FARGO & COMPANY

* 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

 933975 BANK OF UT, OGDEN, UTAH 05/23/2011 09/22/2011 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act