Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 49 

Week Ending December 4, 2010

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

Problems in Mortgage Servicing -- statement by Governor Tarullo before the Senate 

Committee on Banking, Housing, and Urban Affairs on mortgage documentation and 

other servicing issues and appropriate supervisory and policy responses.

- Published, December 1, 2010

Personnel

Office of Financial Stability Policy and Research -- appointment of Seth F. Wheeler 

as chief of staff.

- Announced, December 1, 2010

Office of the Secretary -- temporary appointment of Patricia A.L. Nunley as visiting 

assistant secretary, effective January 2011.

- Announced, December 2, 2010

Regulations and Policies

Real Estate Appraisal and Evaluation Guidelines -- final interagency supervisory 

guidance on sound practices by financial institutions for real estate appraisals and 

evaluations.

- Approved, December 1, 2010

Enforcement

FCB Financial Corp., Savannah, Georgia -- written agreement with the Federal 

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

- Announced, November 30, 2010

First Community Bank, Glasgow, Montana -- written agreement with the Federal 

Reserve Bank of Minneapolis and the Montana Division of Banking and Financial 

Institutions.

- Announced, December 2, 2010

H.2 Board Actions November 28, 2010 to December 4, 2010

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

First National Community Bancorp, Inc., Dunmore, Pennsylvania -- written 

agreement with the Federal Reserve Bank of Philadelphia.

- Announced, December 2, 2010

First South Bancorp, Inc., Spartanburg, South Carolina -- written agreement with the 

Federal Reserve Bank of Richmond.

- Announced, November 30, 2010

HarVest Bancorp, Inc., Gaithersburg, Maryland -- written agreement with the Federal 

Reserve Bank of Richmond.

- Announced, November 30, 2010

Oxford Financial Corporation, Oak Brook, Illinois -- written agreement with the 

Federal Reserve Bank of Chicago.

- Announced, December 2, 2010

Ridgestone Financial Services, Inc., Brookfield, Wisconsin -- written agreement with 

the Federal Reserve Bank of Chicago.

- Announced, December 2, 2010

Southport Financial Corporation, Kenosha, Wisconsin -- written agreement with the 

Federal Reserve Bank of Chicago.

- Announced, November 30, 2010

H.2 Board Actions November 28, 2010 to December 4, 2010

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSD Office of Staff Director

November 28, 2010 to December 4, 2010

Bank Branches, Domestic

FirstBank, Antlers, Oklahoma -- to establish a branch at 1501 East Jackson Street, 

Hugo.

Kansas City

- Approved, December 3, 2010

John Marshall Bank, Falls Church, Virginia -- to establish a branch at 1943 Isaac 

Newton Square, Reston.

Richmond

- Approved, December 3, 2010

Start Community Bank, New Haven, Connecticut -- to establish a branch at 

258 Grand Avenue, New Haven.

Boston

- Approved, December 1, 2010

Stock Exchange Bank, Caldwell, Kansas -- to establish a branch at 106 West Spruce 

Street, Arkansas City.

Kansas City

- Approved, December 1, 2010

(A/C) = Addition or Correction Delegated - 1 of 6
Bank Holding Companies

Deutsche Bank Aktiengesellschaft, Frankfurt, Germany -- to acquire shares of PB 

Capital Corporation, New York, New York, and PB (USA) Realty Corporation, and 

thereby engage in brokering and servicing loans and other extensions of credit, and in 

commercial real estate lending and leasing.

New York

- Approved, December 1, 2010

First City Fund Corporation, New Haven, Connecticut, and First Community 

Bancorp, Inc. -- to become a bank holding company and a stock bank holding 

company, respectively, and to acquire Start Community Bank, New Haven.

Boston

- Approved, December 1, 2010

Frandsen Financial Corporation, Arden Hills, Minnesota -- to acquire Island 

Financial Corporation, Bird Island, and thereby acquire State Bank of Bird Island.

Minneapolis

- Approved, November 29, 2010

GLAASS Financial, LLC, Exeter, Nebraska -- to become a bank holding company 

and to acquire shares of EMSWATER Financial, LLC, Exeter; for EMSWATER 

Financial to become a bank holding company and to acquire First National Bank in 

Exeter; and for GLAASS Financial and EMSWATER Financial to engage in 

insurance activities through the acquisition of First National Insurance Agency, Inc.

Kansas City

- Approved, December 3, 2010

H.2 Actions under delegated authority November 28, 2010 to December 4, 2010

(A/C) = Addition or Correction Delegated - 2 of 6
Bank Holding Companies

Grandpoint Capital, Inc., Los Angeles, California -- waiver of application to acquire 

First Commerce Bancorp, Encino, in connection with the merger of their respective 

subsidiary banks, Grandpoint Bank, Los Angeles, and First Commerce Bank, Encino.

San Francisco

- Granted, November 29, 2010

JRMB II, Inc., Lawton, Oklahoma -- to become a bank holding company and to 

acquire shares of J. R. Montgomery Bancorporation, Lawton, and its subsidiary 

banks, City National Bank and Trust Company and Fort Sill National Bank, Fort Sill.

Kansas City

- Approved, December 1, 2010

Midwest Bank Group, Inc., Detroit Lakes, Minnesota -- to engage in lending 

activities.

Minneapolis

- Approved, December 1, 2010

Park Sterling Corporation, Charlotte, North Carolina -- to become a bank holding 

company and to acquire Park Sterling Bank, Charlotte.

Richmond

- Approved, November 28, 2010

Peoples Bancorp, Inc., Prairie du Chien, Wisconsin -- to acquire Woodhouse & 

Bartley Bank, Bloomington.

Chicago

- Approved, December 2, 2010

H.2 Actions under delegated authority November 28, 2010 to December 4, 2010

(A/C) = Addition or Correction Delegated - 3 of 6
Bank Holding Companies

SKBHC Holdings, LLC, Corona del Mar, California, and SKBHC Hawks Nest 

Acquisition Corp. -- to acquire AmericanWest Bank, Spokane, Washington.

San Francisco

- Approved, December 2, 2010

Vogel Bancshares, Inc., Orange City, Iowa -- to acquire shares of Farmers Savings 

Bank, Remsen.

Chicago

- Approved, November 30, 2010

Bank Mergers

Citizens State Bank & Trust Company, Ellsworth, Kansas -- to purchase certain 

assets and assume certain liabilities of the Lincoln branch of Midwest Community 

Bank, Plainville, and thereby establish a branch.

Secretary

- Approved, December 1, 2010

EagleBank, Bethesda, Maryland -- to acquire certain assets and assume certain 

liabilities of the Washington, DC, branch of OBA Bank, Germantown, Maryland, and 

thereby establish a branch.

Richmond

- Approved, November 30, 2010

Bank Premises

FirstBank, Antlers, Oklahoma -- to increase its investment in bank premises.

Kansas City

- Approved, December 3, 2010

H.2 Actions under delegated authority November 28, 2010 to December 4, 2010

(A/C) = Addition or Correction Delegated - 4 of 6
Change in Bank Control

Clarkston Financial Corporation, Waterford, Michigan -- change in bank control of 

Clarkston Financial and its subsidiary bank, Clarkston State Bank, Clarkston.

Chicago

- Permitted, November 30, 2010

First Cherokee Bancshares, Inc., Woodstock, Georgia -- change in bank control of 

First Cherokee and its subsidiary bank, First Cherokee State Bank, Woodstock.

Atlanta

- Permitted, November 30, 2010

First San Benito Bancshares Corporation, San Benito, Texas -- change in bank 

control of First San Benito and its subsidiary bank, First Community Bank, National 

Association, San Benito.

Dallas

- Permitted, November 30, 2010

Tolna Bancorp, Inc., Tolna, North Dakota -- change in bank control of Tolna and its 

subsidiary bank, The Farmers & Merchants State Bank of Tolna, Tolna.

Minneapolis

- Permitted, December 3, 2010

Extensions of Time

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

III LP -- extension to March 3, 2011, to increase their investment in Seacoast 

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

Richmond

- Granted, December 3, 2010

H.2 Actions under delegated authority November 28, 2010 to December 4, 2010

(A/C) = Addition or Correction Delegated - 5 of 6
Membership

Start Community Bank, New Haven, Connecticut -- to become a member of the 

Federal Reserve System.

Boston

- Approved, December 1, 2010

H.2 Actions under delegated authority November 28, 2010 to December 4, 2010

(A/C) = Addition or Correction Delegated - 6 of 6
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending December 4, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending December 4, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Chemung Canal Trust Company, Elmira, New 

York (the "Applicant") for approval of the 

merger of Capital Bank & Trust Company, 

Albany, New York, pursuant to Section 18(c) of 

the Federal Deposit Insurance Act, with and 

into Applicant.

CHEMUNG CANAL TRUST 

COMPANY

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5 12/23/2010

Chemung Financial Corporation, Elmira, New 

York, to acquire Fort Orange Financial Corp., 

and thereby acquire its wholly owned 

subsidiary Capital Bank & Trust Company, both 

located in Albany, New York, pursuant to 

Sections 3(a)(3)and 3(a)(5) of the BHC Act and 

Section 225.14 of Regulation Y.

CHEMUNG FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5 12/03/2010

First Niagara Financial Group, Inc., Buffalo, New 

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

NewAlliance Bancshares, Inc., New Haven, 

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

Inc.'s subsidiary, NewAlliance Bank, New 

Haven Connecticut, and subsequently merge 

NAB, Inc. with and into FNFG.

FIRST NIAGARA FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

4c8

* 18C

* Branch

* 4c8

Not available

M&T Bank Corporation, Buffalo, New York, to 

acquire Wilmington Trust Corporation and 

thereby indirectly acquire Wilmington Trust 

Company, both of Wilmington, Delaware; and 

thereby indirectly to acquire Wilmington Trust 

FSB, Baltimore, Maryland, and other 

non-banking subsidiaries of Wilmington Trust 

Corporation and thereby operate a savings 

association and engage in other non-banking 

activities. Manufacturers and Traders Trust 

Company, Buffalo, New York, to purchase 

certain assets and assume certain liabilities of 

Wilmington Trust Company and Wilmington 

Trust FSB.

M&T BANK CORPORATION

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending December 4, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

12/17/2010

James Wang, individually, and James Wang and 

Ellen Ruth KaoWang, Villanova, PA, Tony Yi 

Ping Wang and Michelle Yichun Yang, 

Gladwyne, PA, Elliot Hong Wai Wong, 

Philadelphia, PA and Josephine Wang, 

Gladwyne, PA, Aubrey Hui-Ju Wang, 

Havertown, PA, and Janet Wang Calilung, 

Irvine, CA, to acquire up 70.0% of Asian 

Financial Corporation, Philadelphia, PA.

ASIAN FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Monument Bank, Doylestown, PA, to establish 12/10/2010

a branch office located at 33 Swamp Road, 

Newtown, PA.

MONUMENT BANK

Newspaper:

Federal Register:

CIC Not available

12/08/2010

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

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

Penn Bancshares, Inc, Boyertown, PA.

WARBURG PINCUS PRIVATE 

EQUITY X, L.P.

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending December 4, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending December 4, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Bank of America, N.A., Charlotte, North 

Carolina, to make an indirect investment of $11 

million in BANA Canada Funding Company 

Limited, Calgary, Alberta, Canada.

BANK OF AMERICA 

CORPORATION

Newspaper:

Federal Register:

* 3A5

* 18C

* Branch

12/21/2010

12/30/2010

Old Line Bancshares, Inc., Bowie, Maryland, to 

acquire 100% of the voting shares of Maryland 

Bankcorp, Inc., Lexington Park, Maryland, and 

thereby indirectly acquire Maryland Bank & 

Trust Company, National Association, 

Lexington Park, Maryland.

OLD LINE BANCSHARES, 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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending December 4, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

First Guaranty Bancshares, Inc., Hammond, 

Louisiana, to merge with Greensburg 

Bancshares, Inc., and thereby acquire its 

subsidiary, Bank of Greensburg, both of 

Greensburg, Louisiana.

FIRST GUARANTY 

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 December 4, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/26/2010

Notice by Robert John Dentel, Victor, Iowa, and 

Mary P. Howell, Ames, Iowa, individually, and 

the Robert John Dentel Family (Robert J. Dentel, 

Patricia A. Dentel, and three minor children) all 

of Victor, Iowa, and the Mary P. Howell Family 

(Mary P. Howell, Stephen J. Howell, and three 

minor) all of Ames, Iowa, for permission for each 

Family to control more than 25 percent of the 

shares of Dentel Bancorporation, Victor, Iowa, 

and thereby indirectly control of Victor State 

Bank, Victor, Iowa; Corydon State Bank, 

Corydon, Iowa; First State Bank of Colfax, 

Colfax, Iowa; Maxwell State Bank, Maxwell, 

Iowa; Pocahontas State Bank, Pocahontas, 

Iowa; and Panora State Bank, Panora, Iowa.

DENTEL BANCORPORATION

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:

CIC Not available

12/06/2010

Notice filed by the James Blin Family (James Lee 

Blin and Randy Alan Blin, both of 

Independence, Iowa; Timothy Lee Blin, Ponte 

Vedra Beach, Florida; Sandra Blin Burgard, 

Bozeman, Montana; and Tamara Blin Diamond, 

Mesa, Arizona) to retain control of more than 25 

percent of the voting shares of Independence 

Bancshares, Inc., Independence, Iowa, and 

thereby indirectly control voting shares of 

Security State Bank, Independence, Iowa and 

Northeast Security Bank, Sumner, Iowa.

INDEPENDENCE BANCSHARES, 

INC.

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending December 4, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 12/08/2010

establish a branch facility to be located at 1720 

South University, Little Rock, Arkansas.

ARVEST BANK

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending December 4, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 11/30/2010

11/29/2010

Bigfork Bancshares, Inc., Bigfork, Minnesota, to 

acquire 100 percent of Kelliher Bancshares Inc., 

Kelliher, Minnesota, and thereby indirectly 

acquire Citizens State Bank of Kelliher, Kelliher, 

Minnesota.

BIGFORK BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 12/25/2010

12/13/2010

Retroactive application by Bitterroot Holding 

Company, Lolo, Montana, to increase its 

ownership from 31.9% to 34.9% of West One 

Bank, Kalispell, Montana.

BITTERROOT HOLDING 

COMPANY

Newspaper:

Federal Register:

CIC Not available

12/20/2010

Retroactive Change in Control Notice by James 

A. Jorgenson, Kenmare, North Dakota, as an 

individual, to acquire and retain 18 percent or 

more of the shares of Bozeman Bancorp, Inc., 

Bozeman, Montana, and thereby indirectly 

acquire and retain control of Bank of Bozeman, 

Bozeman, Montana.

BOZEMAN BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

12/17/2010

Change in control notice by Rick E. Skates and 

Kathy A. Skates, both of Polson, Montana, to 

acquire 25 percent or more of the shares of 

Flathead Lake Bancorporation, and thereby 

indirectly acquire control of First Citizens Bank 

of Polson, National Association, Polson, 

Montana.

FLATHEAD LAKE 

BANCORPORATION, INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending December 4, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

The Commercial National Bank of Ainsworth, 

(to be known as West Plains Bank) Ainsworth, 

Nebraska, to convert from a national to a state 

charter bank and retain its membership with the 

Federal Reserve.

COMMERCIAL NATIONAL 

BANK OF AINSWORTH, THE

Newspaper:

Federal Register:

CIC 12/01/2010

11/29/2010

Notification by Kenneth L. Morrison, Hastings, 

Nebraska, to acquire control of Doniphan 

Bancshares, Inc., parent of Bank of Doniphan, 

both in Doniphan, Nebraska.

DONIPHAN BANCSHARES, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending December 4, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 12/22/2010

12/20/2010

Carlile Bancshares, Inc., Fort Worth, Texas, to 

become a bank holding company by acquiring 

100 percent of Treaty Oak Bank, Austin, Texas.

CARLILE BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Carlile Bancshares, Inc., Fort Worth, Texas, to 

acquire 100 percent of Community State Bank, 

Austin, Texas.

CARLILE BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First State Bank of Mineral Wells, Mineral 

Wells, Texas, to purchase certain assets and 

assume certain liabilities of the West Crockett 

National Bank, San Angelo, Texas, and 

establish a branch to be located at 1901 Wall 

Street, Weatherford, Texas.

FIRST STATE BANK OF 

MINERAL WELLS

Newspaper:

Federal Register:

4c8 Not applicable

12/17/2010

Texas Country Bancshares Inc., Brady, 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 banks.

TEXAS COUNTRY 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 12/20/2010

12/23/2010

TXRB Holdings, Inc., Dallas, Texas, to become a 

bank holding company by acquiring 100 percent 

of Texas Republic Bank, N.A., Frisco, Texas.

TXRB 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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending December 4, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

4c8 11/22/2010

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management Company, LLC, Carpenter 

Community Bancfund, L.P., Carpenter 

Community Bancfund-A, L.P., Carpenter 

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

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

California, to acquire 100 percent of Professional 

Business Bank, Pasadena, California, in 

connection with the merger of Professional 

Business Bank with and into California General 

Bank, Pasadena, California; and 2)CGB 

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

wholly-owned subsidiary, CGB Asset 

Management, Inc., Irvine, California, to engage 

in extending credit and servicing loans, 

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

Y.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

CIC Not available

Not available

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

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

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

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

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

Management, Inc., all of Los Angeles, 

California, John G. Danhakl, Pacific Palisades, 

California, Peter J. Nolan, Manhattan Beach, 

California; and Jonathan D. Sokoloff, Los 

Angeles, California, to acquire 10 percent or 

more of Cascade Bancorp, and thereby 

indirectly acquire control of Bank of the 

Cascades, both of Bend, Oregon; and 2) 

Cascade Bancorp, Bend, Oregon, to appoint 

Michael John Connolly as a Director.

CASCADE BANCORP

Newspaper:

Federal Register:

CIC Not available

Not available

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

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

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

Holdings, Inc., Invesco WLR IV Associates 

LLC, WLR Recovery Associates IV LLC, WL 

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

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

Florida, Invesco Ltd., Invesco Group Services, 

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

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

of Atlanta, Georgia, Invesco Holding Company 

Limited, London, United Kingdom, and Invesco 

AIM Management Group, Inc., Houston, Texas, 

to acquire 10 percent or more of Cascade 

Bancorp, and thereby indirectly acquire control 

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

and 2) Cascade Bancorp, Bend, Oregon, to 

appoint James Bicknell Lockhart III as a 

Director.

CASCADE BANCORP

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

Federal Reserve Bank of San Francisco

Filings received during the week ending December 4, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

1)DBD Cayman, Limited, TCG Holdings Cayman 

II, L.P., TC Group Cayman Investment Holdings, 

L.P., Carlyle Financial Services, Ltd., TCG 

Financial Services, L.P., all of Grand Cayman, 

Cayman Islands, and Carlyle Financial Services 

Harbor, L.P., Wilmington, Delaware, to acquire 

up to 24.9 percent of Central Pacific Financial 

Corp., Honolulu, Hawaii, and thereby indirectly 

acquire control of Bancorp's subsidiary, Central 

Pacific Bank, Honolulu, Hawaii; and 2)Central 

Pacific Corp, Honolulu, Hawaii, to appoint 

James Floyd Burr as a Managing Director.

CENTRAL PACIFIC FINANCIAL 

CORP.

Newspaper:

Federal Register:

CIC Not available

Not available

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

persons that are acting with or control 

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

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

Capital Partners Offshore, Ltd., ACPO Master, 

Ltd., all of Grand Cayman, Cayman Islands; 

Anchorage Capital Partners, L.P., Anchorage 

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

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

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

Anchorage Capital Management, L.L.C., 

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

Wilmington, Delaware; and Kevin Ulrich and 

Anthony Davis, both of New York, New York, 

to acquire up to 24.9 percent of Central Pacific 

Financial Corp., Honolulu, Hawaii, and thereby 

indirectly acquire control of Bancorp's 

subsidiary, Central Pacific Bank, Honolulu, 

Hawaii.

CENTRAL PACIFIC FINANCIAL 

CORP.

Newspaper:

Federal Register:

CIC Not available

Not available

Marc Jonathan Foulkrod and Jamie Foulkrod, 

both of Moorpark, California, to acquire 

additional voting shares of Mission Valley 

Bancorp, Sun Valley, California, and thereby 

indirectly acquire shares of Mission Valley 

Bank, Sun Valley, California.

MISSION VALLEY BANCORP

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act