Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 36 

Week Ending September 4, 2010

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

Acquisition of Wachovia Corporation by Wells Fargo & Company -- statement by 

Scott G. Alvarez, general counsel, before the Financial Crisis Inquiry Commission.

- Published, September 1, 2010

Causes of the Recent Financial and Economic Crisis -- statement by Chairman Ben S. 

Bernanke before the Financial Crisis Inquiry Commission.

- Published, September 2, 2010

Bank Holding Companies

China Investment Corporation, Beijing, People's Republic of China -- to acquire 

indirectly up to 10 percent of the voting shares of Morgan Stanley, New York, New 

York.

- Approved, August 31, 2010

Bank Mergers

Metcalf Bank, Lee's Summit, Missouri -- to acquire certain assets and assume certain 

liabilities of four branches of The First National Bank of Olathe, Olathe, Kansas, and 

thereby establish branches.

- Approved, September 1, 2010

Forms

Forms -- final Board review to extend without revision the Surveys of Board 

Publications (FR 1373a,b), Interagency Bank Merger Act Application (FR 2070), 

Interagency Notice of Change in Bank Control (FR 2081a), Interagency Notice of 

Change in Director or Senior Executive Officer (FR 2081b), and Interagency 

Biographical and Financial Report (FR 2081c), and Recordkeeping and Disclosure 

Requirements Associated with Regulation R (FR 4025).

- Approved, August 31, 2010

H.2 Board Actions August 29, 2010 to September 4, 2010

(A/C) = Addition or Correction Board - Page 1 of 3
Regulations and Policies

Regulation GG (Prohibition on Funding of Unlawful Internet Gambling) -- petition 

for a rulemaking by the Poker Players Alliance requesting that the Board and 

Department of the Treasury exclude Internet pari-mutuel animal racing and "skill 

games" offered on the Internet (including poker) from the scope of the regulation.

- Denied, August 31, 2010

Enforcement

First American Bancorp, Greenwood Village, Colorado, and First American State 

Bank -- written agreement with the Federal Reserve Bank of Kansas City and the 

State of Colorado Division of Banking.

- Announced, August 31, 2010

First Community Bank, Taos, New Mexico -- issuance of a prompt corrective action 

directive with the consent of the bank.

- Announced, August 31, 2010

First National Bancorporation of Stoughton, Inc., Stoughton, Wisconsin -- written 

agreement with the Federal Reserve Bank of Chicago.

- Announced, September 2, 2010

Highland Bancshares, Inc., St. Michael, Minnesota -- written agreement with the 

Federal Reserve Bank of Minneapolis.

- Announced, August 30, 2010

Oregon Community Bank & Trust, Oregon, Wisconsin -- written agreement with the 

Federal Reserve Bank of Chicago and the State of Wisconsin Department of 

Financial Institutions.

- Announced, September 2, 2010

H.2 Board Actions August 29, 2010 to September 4, 2010

(A/C) = Addition or Correction Board - Page 2 of 3
Enforcement

Osceola Bancorporation, Inc., Osceola, Wisconsin -- written agreement with the 

Federal Reserve Bank of Minneapolis.

- Announced, September 2, 2010

Sunrise Bank, Cocoa Beach, Florida -- issuance of a prompt corrective action 

directive with the consent of the bank.

- Announced, August 30, 2010

UCB Financial Group, Inc., Atlanta, Georgia -- written agreement with the Federal 

Reserve Bank of Atlanta and the Banking Commissioner of the State of Georgia.

- Announced, August 30, 2010

H.2 Board Actions August 29, 2010 to September 4, 2010

(A/C) = Addition or Correction Board - Page 3 of 3
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

August 29, 2010 to September 4, 2010

Bank Branches, Domestic

Bank of Clarke County, Berryville, Virginia -- to establish a branch at 21 Main 

Street, Round Hill.

Richmond

- Approved, September 1, 2010

Bank Holding Companies

Austin Bancorp, Inc., Jacksonville, Texas, et al. -- to acquire Frankston Bancorp, 

Inc., Frankston, and thereby acquire FDB, Inc., Dover, Delaware, and First State 

Bank, Frankston, Texas.

Dallas

- Approved, August 30, 2010

Bank of America Corporation, Charlotte, North Carolina -- request for an exemption 

from section 23A of the Federal Reserve Act and Regulation W to allow Bank of 

America, National Association, Charlotte, to purchase certain loans originated by its 

affiliate, Merrill Lynch & Company, Inc. 

Director, BS&R

- Granted, September 3, 2010

First American Financial Management Company, Salisbury, North Carolina -- to 

become a bank holding company and to acquire shares of Community Bank of 

Rowan, Salisbury.

Richmond

- Withdrawn, September 2, 2010

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

First Peoples Bancorp, Inc., Jefferson City, Tennessee -- to become a bank holding 

company and to acquire First Peoples Bank of Tennessee, Jefferson City.

Atlanta

- Approved, September 3, 2010

Geneva State Company, Geneva, Nebraska -- waiver of application to acquire 

Fairmont Farmers State Company, Fairmont, in connection with the merger of their 

respective subsidiary banks, Geneva State Bank, Geneva, and Farmers State Bank, 

Fairmont.

Kansas City

- Granted, August 31, 2010

Independent Bank Group, Inc., McKinney, Texas -- to acquire by merger 

Farmersville Bancshares, Inc., Farmersville, and thereby acquire First Bank.

Dallas

- Approved, September 3, 2010

Stonebridge Bancorporation, Minneapolis, Minnesota -- to acquire Shakopee 

Bancorporation, Inc., Shakopee, and thereby acquire Citizens State Bank of 

Shakopee.

Minneapolis

- Approved, August 31, 2010

Change in Bank Control

Delphos, Inc., Delphos, Kansas -- change in bank control of Delphos and its 

subsidiary bank, State Bank of Delphos, Delphos.

Kansas City

- Withdrawn, September 3, 2010

H.2 Actions under delegated authority August 29, 2010 to September 4, 2010

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

Heritage Bancshares, Inc., Mannington, West Virginia -- to retain control of Heritage 

and its subsidiary bank, First Exchange Bank, Mannington.

Richmond

- Permitted, September 2, 2010

Treasure Bancorp, Inc., Plentywood, Montana -- change in bank control of Treasure 

and its subsidiary bank, Montana State Bank, Plentywood.

Minneapolis

- Permitted, August 30, 2010

Extensions of Time

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

III LP -- extension to December 3, 2010, to increase their investment in Seacoast 

Banking Corporation of Florida, Stuart, Florida, and Seacoast National Bank.

Richmond

- Granted, September 2, 2010

Tennessee Central Bancshares, Inc., Parsons, Tennessee -- extension to 

December 10, 2010, for change in bank control of Tennessee Central and its 

subsidiary bank, Community South Bank, Parsons.

St. Louis

- Granted, September 2, 2010

H.2 Actions under delegated authority August 29, 2010 to September 4, 2010

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

JPMorgan Chase & Co., New York, New York -- waiver from the aggregate 

investment limit of Regulation K in connection with an internal reorganization 

involving certain United Kingdom-based subsidiaries.

New York

- Withdrawn, August 31, 2010

Membership

Evolve Bank & Trust, West Memphis, Arkansas -- to become a member of the 

Federal Reserve System.

St. Louis

- Approved, August 30, 2010

Regulations and Policies

Federal Open Market Committee -- minutes of the meeting on August 10, 2010.

FOMC

- Published, August 31, 2010

H.2 Actions under delegated authority August 29, 2010 to September 4, 2010

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

Federal Reserve Bank of Boston

Filings received during the week ending September 4, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Application by Sugar River Bancorp, MHC, 

Newport, New Hampshire to become a mutual 

bank holding company through the acquisition 

of 100% of the voting shares of Sugar River 

Bank, Newport, New Hampshire, pursuant to 

section 3(a)(1) of the BHC Act.

Sugar River 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

 35301 STATE STREET B&TC, BOSTON, MASSACHUSETTS 01/20/2009 05/03/2009 O Whole/Ltd Purp

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 September 4, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 09/15/2010

09/10/2010

The Adirondack Trust Company Employee 

Stock Ownership Trust, Saratoga Springs, New 

York, to acquire fifty additional shares of 473 

Broadway Holding Corporation and to acquire 

one thousand five hundred additional shares of 

The Adirondack Trust Company,(the 

"Bank")both of Saratoga Springs, New York and 

after the fact approval for one hundred and 

eight shares for the Bank.

ADIRONDACK TRUST 

COMPANY EMPLOYEE STOCK 

OWNERSHIP TRUST, THE

* 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 September 4, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

07/20/2010

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., and 

Messrs. Ira M. Lubert, W. Kirk Wycoff and 

James J. Lynch, all of Philadelphia, 

Pennsylvania, to purchase up to 19.2 percent of 

Palmetto Bancshares, Inc., Greenville, SC.

PATRIOT FINANCIAL 

PARTNERS LP

* 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 September 4, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Prior Notice by PNC Bank International, 

Pittsburgh, Pennsylvania, to make an additional 

approximate investment of $484 million in 

connection with the formation of The PNC 

Financial Services UK Limited, London, 

England, which will be a wholly-owned 

subsidiary of a newly formed Luxembourg 

company, The PNC Financial Services Holidng 

Luxembourg Sarl pursuant to section 211.9(f) of 

Regulation K.

PNC BANK INTERNATIONAL

Newspaper:

Federal Register:

* Branch Not available

Premises Not applicable

Notice by The Richwood Banking Company, 

Richwood, OH to establish a branch at 1512 

West William Street, Delaware, OH and request 

permission to exceed its limit of investment in 

premises.

RICHWOOD BANKING 

COMPANY, INC., THE

* 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

 568126 ST HENRY BK, SAINT HENRY, OHIO 06/01/2010 08/30/2010 S Small 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 September 4, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 September 4, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

IBERIABANK, Lafayette, Louisiana, to 09/13/2010

establish the following branches: 3810 

Richmond Avenue, Houston, Texas; and 1000 

Memorial Mall, Houston, Texas.

IBERIABANK

Newspaper:

Federal Register:

CIC 08/24/2010

08/18/2010

After-the-fact change in control notice filed by 

Kenneth Richard Murray, Naples, Florida to 

retain 39.67 percent of the outstanding shares of 

Naples Bancorp, Inc., and its subsidiary bank, 

Bank of Naples, both of Naples, Florida.

NAPLES BANCORP, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Vantage Bancshares, Inc., notice to become a 

bank holding company by acquiring 100 percent 

of the outstanding shares of Vantage Bank of 

Alabama, both of Albertville, Alabama.

VANTAGE BANCSHARES, 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 September 4, 2010

Filer Filing Type Filing Proposal End of Comment Period

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.

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

10/04/2010

Hometown Community Bancorp, Inc., and 

Hometown Community Bancorp, Inc. Employee 

Stock Ownership Plan and Trust, both located 

in Morton, Illinois, to merge with CSBC 

Financial Corporation, Cropsey, Illinois, and 

thereby indirectly acquire Citizens State Bank of 

Cropsey, Cropsey, Illinois, and by Morton 

Community Bank, Morton, Illinois, to merge 

with Citizens State Bank of Cropsey, Cropsey, 

Illinois, and thereby to establish two branches.

HOMETOWN COMMUNITY 

BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

09/22/2010

Notice by The Thomas C. Pangborn Trust 

("Trust") with Thomas C. Pangborn as trustee, 

and the Trust, together with Thomas C. 

Pangborn, Traverse City, Michigan, Heidi M. 

Pangborn, Traverse City, Michigan, Emily 

Davies, Oakland California, and Christine A. 

Wherry, Chicago, Illinois, as a group acting in 

concert, to acquire in excess of 25 percent of the 

outstanding shares of TCSB Bancorp, Inc., 

Traverse City, Michigan, and thereby indirectly 

acquire control of Traverse City State Bank, 

Traverse City, Michigan.

TCSB BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

10/04/2010

Zaring Group Holdings LLC., Riverwoods, 

Illinois, to become a bank holding company by 

acquiring 75.1 percent of the voting shares of 

First Suburban Bancorp Corporation, 

Maywood, Illinois, and thereby indirectly 

acquire First Suburban National Bank, 

Maywood, Illinois.

Zaring Group Holdings LLC

* 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

 238139 FIRST BK MANHATTAN, MANHATTAN, ILLINOIS 11/17/2008 03/23/2009 S Small Bank

 409649 UNION ST BK, ROCKWELL CITY, IOWA 11/13/2007 01/14/2008 S Small Bank

 2339964 VIKING ST B&T, DECORAH, IOWA 03/09/2009 07/02/2009 O Small 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 September 4, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 09/25/2010

10/01/2010

First Bank Corp, Fort Smith, Arkansas, to 

acquire 9.99 percent of Bankshares of 

Fayetteville, Inc., Fayetteville, Arkansas, and 

thereby indirectly acquire Bank of Fayetteville, 

Fayetteville, Arkansas.

FIRST BANK CORP

* 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 September 4, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/24/2010

Notice by Shawn Paul Weinand and Linda Lou 

Weinand, both of Tonka Bay, Minnesota, to 

acquire control of Alliance Bank Shares 

Corporation, Andover, Minnesota, and thereby 

indirectly gain control of 1st Regents Bank, 

Andover, Minnesota.

ALLIANCE BANK SHARES 

CORPORATION

Newspaper:

Federal Register:

* 3A3 08/29/2010

09/03/2010

Kirkwood Bancorporation Co., Bismarck, North 

Dakota and Kirkwood Bancorporation of 

Nevada, Inc., Las Vegas, Nevada, to acquire 

94.89% of Eagle Valley Bank, National 

Association, Saint Croix Falls, Wisconsin.

KIRKWOOD 

BANCORPORATION OF 

NEVADA, 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

 126553 NORTH SHORE BK OF COMMERCE, DULUTH, MINNESOTA 05/10/2010 08/27/2010 S 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 September 4, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/20/2010

Notification by Daniel L. Tanner, Canon City, 

Colorado, to acquire control of Canon Bank 

Corporation, parent of Canon National Bank, 

both of Canon City, Colorado.

CANON BANK CORPORATION

Newspaper:

Federal Register:

CIC Not available

09/21/2010

Notification by Thomas D. McGavran, 

Minneapolis, Kansas, to acquire control of 

Delphos, Inc., parent of State Bank of Delphos, 

both of Delphos, Kansas.

DELPHOS, 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

 603559 FARMERS ST BK, PHILLIPSBURG, KANSAS 04/14/2008 06/19/2008 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 September 4, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Dallas, Texas, to establish a 09/07/2010

branch to be located at 9350 Mira Mesa, San 

Diego, San Diego County, California 92126.

COMERICA BANK

Newspaper:

Federal Register:

4c8 Not applicable

09/24/2010

Mason National Bancshares, Mason, Texas, to 

engage de novo in lending activities pursuant 

to Section 225.28(b)(1) of Regulation Y, through 

the acquisition of loans from its subsidiary 

bank, Mason National Bank, Mason, Texas.

MASON NATIONAL 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

09/16/2010

Steele Holdings, Inc., Tyler, Texas, to become a 

bank holding company by acquiring 100 percent 

of American State Bank, Arp, Texas.

STEELE HOLDINGS, 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

 253262 CITIZENS BK, SLATON, TEXAS 03/23/2009 05/28/2010 S Small Bank

 498456 FIRST ST BK, ABILENE, TEXAS 01/26/2009 11/02/2009 S Small Bank

 3607062 LONE STAR ST BK W TX, LUBBOCK, TEXAS 11/30/2009 10/05/2010 S Small Bank

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 September 4, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

04/15/2010

Anchor Bancorp, Inc., Lacey, Washington, to 

become a bank holding company by acquiring 

100 percent of Anchor Mutual Savings Bank, 

Aberdeen, Washington, upon conversion from 

a mutual savings bank to a stock savings bank.

ANCHOR BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

10/01/2010

GV Bancorp Employee Stock Ownership Plan to 

acquire additional voting shares of GV Bancorp 

and thereby indirectly acquire shares of 

Gunnison Valley Bank, all of Gunnison, Utah.

G V BANCORP EMPLOYEE 

STOCK OWNERSHIP PLAN

Newspaper:

Federal Register:

* 3A3 Not available

08/27/2010

Wells Fargo & Company, San Francisco, 

California, to acquire more than 5 percent of the 

voting shares of Western Liberty 

Bancorporation, New York, New York, and 

thereby indirectly acquire more than 5 percent 

of the voting shares of Service 1st Bank of 

Nevada, Las Vegas, Nevada.

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

 3597305 CAPITAL BK, SAN JUAN CAPISTRANO, CALIFORNIA 04/26/2010 08/31/2010 S Small Bank

 2640530 MISSION CMNTY BK, SAN LUIS OBISPO, CALIFORNIA 01/11/2010 08/26/2010 O Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act