Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 10 

Week Ending March 5, 2011

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

Term Asset-Backed Securities Loan Facility (TALF) -- statement by William R. 

Nelson, Deputy Director, Division of Monetary Affairs, before the Congressional 

Oversight Panel for the Troubled Asset Relief Program on the establishment and 

operation of the TALF, the effects of the program, and steps taken to control risk.

- Published, March 4, 2011

Forms

Forms -- final Board review (1) to extend without revision the Annual Daylight 

Overdraft Capital Report for U.S. Branches and Agencies of Foreign Banks 

(FR 2225), International Applications and Prior Notifications under Subparts A and 

C of Regulation K (FR K-1), International Applications and Prior Notifications under 

Subpart B of Regulation K (FR K-2), and Application for a Foreign Organization to 

Acquire a U.S. Bank or Bank Holding Company (FR Y-3F); (2) to extend with 

revision the Consumer Satisfaction Questionnaire, Federal Reserve Consumer Help 

(FRCH) -- Consumer Survey, and Consumer Online Complaint Form (FR 1379a, b, 

and c) and Bank Holding Company Application and Notification Forms (FR Y-3, 

Y-3N, and Y-4); and (3) to implement the Payments Systems Surveys (FR 3054a, b, 

c, and d).

- Approved, March 4, 2011

Regulations and Policies

Regulation CC (Availability of Funds and Collection of Checks) -- publication for 

comment of amendments to encourage banks to clear and return checks 

electronically, add provisions that govern electronic items cleared through the 

check-collection system, and shorten the "exception" hold periods on deposited 

funds.

- Approved, March 1, 2011

H.2 Board Actions February 27, 2011 to March 5, 2011

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

Regulations V (Fair Credit Reporting) and B (Equal Credit Opportunity) -- 

publication for comment of interagency amendments to require disclosure of credit 

scores and related information to consumers in risk-based pricing notices and adverse 

action notices if a credit score is used in setting the credit terms or taking adverse 

action, in accordance with the Dodd-Frank Act.

- Approved, February 28, 2011

Reserve Bank Operations

Federal Reserve Bank of San Francisco -- appointment of John C. Williams as 

president, effective March 1, 2011.

- Approved, February 25, 2011

(A/C)

Enforcement

Bridgeview Bancorp, Inc., Bridgeview, Illinois -- written agreement with the Federal 

Reserve Bank of Chicago.

- Announced, March 1, 2011

Outsource Holdings, Inc., Lubbock, Texas -- written agreement with the Federal 

Reserve Bank of Dallas.

- Announced, March 3, 2011

H.2 Board Actions February 27, 2011 to March 5, 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

February 27, 2011 to March 5, 2011

Bank Branches, Domestic

Community Capital Bank of Virginia, Christiansburg, Virginia -- to establish a 

branch at 100 West Franklin Street, Richmond.

Richmond

- Approved, March 3, 2011

Orrstown Bank, Shippensburg, Pennsylvania -- to establish a branch at 1000 Bryn 

Mawr Road, Carlisle.

Philadelphia

- Approved, February 28, 2011

Virginia Heritage Bank, Fairfax, Virginia -- to establish a branch at 45745 Nokes 

Boulevard, Dulles.

Richmond

- Approved, March 4, 2011

Bank Holding Companies

Cabool State Bank Employee Stock Ownership Plan, Cabool, Missouri -- to increase 

its ownership of Cabool Bancshares, Inc., Cabool, and thereby increase its indirect 

control of Cabool State Bank.

St. Louis

- Approved, March 3, 2011

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

Citizens National Bancshares of Bossier, Inc., Bossier City, Louisiana -- to acquire 

Citizens Bankshares of Springhill, Inc., Springhill, and indirectly acquire Citizens 

Bank & Trust Company.

Dallas

- Approved, February 28, 2011

Frontier Holdings, LLC, Omaha, Nebraska -- to acquire ARSEBECO, Inc., Falls 

City, and its subsidiary bank, Richardson County Bank & Trust Company; and for 

Frontier Management, LLC, Omaha, to acquire indirect control of ARSEBECO, Inc.

Kansas City

- Approved, March 4, 2011

Mitsubishi UFJ Financial Group, Inc., Tokyo, Japan -- request for an exemption 

under the Depository Institution Management Interlocks Act and Regulation L.

General Counsel

- Granted, March 1, 2011

Northeast Bancorp, Lewiston, Maine, and Northeast Bank -- modification of a 

commitment.

Boston

- Withdrawn, February 23, 2011

(A/C)

SBW Bancshares, Inc., Waterloo, Illinois -- to become a bank holding company and 

to acquire State Bank of Waterloo, Waterloo.

St. Louis

- Approved, March 3, 2011

H.2 Actions under delegated authority February 27, 2011 to March 5, 2011

(A/C) = Addition or Correction Delegated - 2 of 4
Bank Holding Companies

TXRB Holdings, Inc., Dallas, Texas -- to become a bank holding company and to 

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

Dallas

- Approved, February 28, 2011

WCM Holdings, Inc., Dallas, Texas, and WCM-Parkway, Ltd. -- to acquire shares of 

Veritex Holdings, Inc., Dallas, and indirectly acquire Professional Bank, NA.

Dallas

- Approved, February 28, 2011

Banks, State Member

SunTrust Bank, Atlanta, Georgia -- to make certain public welfare investments.

Director, BS&R

- Approved, March 1, 2011

Change in Bank Control

First Mariner Bancorp, Baltimore, Maryland -- change in bank control of First 

Mariner and its subsidiary bank, First Mariner Bank, Baltimore.

Richmond

- Withdrawn, March 1, 2011

Extensions of Time

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

LLC -- extension to June 3, 2011, to increase their investment in Seacoast Banking 

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

Richmond

- Granted, March 3, 2011

H.2 Actions under delegated authority February 27, 2011 to March 5, 2011

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

M&T Bank Corporation, Buffalo, New York, and First Empire State Holding 

Company -- elections to become financial holding companies.

New York

- Effective, March 1, 2011

Membership

Texico State Bank, Texico, Illinois -- to become a member of the Federal Reserve 

System.

St. Louis

- Approved, March 1, 2011

H.2 Actions under delegated authority February 27, 2011 to March 5, 2011

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

Federal Reserve Bank of Boston

Filings received during the week ending March 5, 2011

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 March 5, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA

Not applicable

Banca Popolare di Vicenza S.C.p.A, Vicenza, 03/26/2011

Italy, to establish a representative office in New 

York, New York, pursuant to Section 211.24(a)

(1) of Regulation K.

BANCA POPOLARE VICENZA 

SCPAARL

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

JPMorgan Chase & Co., New York, New York, 

provided 30 days' prior notice to the Board, 

pursuant to Section 211.9(f) of Regulation K, of 

its intention to make investments in its 

UK-subsidiaries and to request a waiver from 

the aggregate investment limit under Section 

211.9(b)(6) of Regulation K.

JPMORGAN CHASE & CO.

* 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 March 5, 2011

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending March 5, 2011

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

 1017425 KILLBUCK SVGS BK CO, KILLBUCK, OHIO 10/18/2010 02/28/2011 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 March 5, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/18/2011

Notice by Mr. Mehrdad Elie of Redwood City, 

California, to individually acquire up to 32%, 

and as a group acting in concert with Mr. 

Mesfin Ayenew, Potomac, Maryland; Mr. David 

P. Como, Napa, California; Mr. Charles 

Turnbaugh, Baltimore, Maryland; Mr. Robert L. 

Gossard, Burlinggame, California; and Mr. 

Terrance M. Davis, Dillon Beach, California, to 

acquire in aggregate up to 41% of the voting 

securities of HarVest BanCorp, Inc., 

Gaithersburg, Maryland, and indirectly acquire 

shares of HarVest Bank of Maryland, Rockville, 

Maryland.

HARVEST BANCORP, INC.

Newspaper:

Federal Register:

* 18C Not available

Not applicable

StellarOne Bank, Christiansburg, Virginia, to 

assume certain liabilities of the Lexington, 

Virginia, branch office of Essex Bank, 

Tappahannock, Virginia.

STELLARONE BANK

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending March 5, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/18/2011

03/17/2011

After-the-fact change in control notice filed by 

William Russell Carothers II, Robert Leroy 

Carothers, Christian Hill Carothers, all of 

Winfield, Alabama, and William R. Carothers, 

III, Birmingham, Alabama, to retain 86 percent of 

the outstanding voting shares of Citizens 

Bancorp of Winfield, Inc., and its subsidiary, 

Citizens Bank of Winfield, both of Winfield, 

Alabama.

CITIZENS BANCORP OF 

WINFIELD, INC.

Newspaper:

Federal Register:

* 3A1 Not available

04/04/2011

Teche Holding Company, to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of Teche Federal Bank, 

both of New Iberia, Louisiana.

TECHE HOLDING COMPANY

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 March 5, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Bank Iowa, Clarinda, Iowa, to merge with sister 01/31/2011

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

Denison, Iowa; Bank Iowa, Humboldt, Iowa; 

Bank Iowa, New Hampton, Iowa; Bank Iowa, 

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

As a result of these mergers, all offices will 

become offices of Bank Iowa, Clarinda, Iowa.

BANK IOWA

Newspaper:

Federal Register:

4c8

* 3A3

* 3A1

4c8

* 4c8

4c8

03/05/2011

03/22/2011

Bank of Montreal, Montreal, Canada, Harris 

Financial Corp., Wilmington, Delaware, Harris 

Bankcorp, Inc., Chicago, Illinois, to acquire 100 

percent of the voting shares of Marshall and 

Ilsley Corporation, Milwaukee, Wisconsin, and 

thereby indirectly acquire M&I Marshall & 

Ilsley Bank, Milwaukee, Wisconsin, M&I Bank 

of Mayville, Mayville, Wisconsin, and M&I 

Bank, FSB, Las Vegas, Nevada, and their 

nonbank subsidiaries, and the related 

application by Mike Merger Sub, LLC, Chicago, 

Illinois, to become a bank holding company by 

acquiring 100 percent of the voting shares of 

Marshall and Ilsley Corporation, Milwaukee, 

Wisconsin, and thereby indirectly acquire M&I 

Marshall & Ilsley Bank, Milwaukee, Wisconsin, 

M&I Bank of Mayville, Mayville, Wisconsin, 

and M&I Bank, FSB, Las Vegas, Nevada, and 

their nonbank subsidiaries.

BANK OF MONTREAL

Newspaper:

Federal Register:

* 3A3

Not available

Community State Bank Employee Stock 04/01/2011

Ownership Plan and Trust, Union Grove, 

Wisconsin, to acquire up to 850 shares of Union 

Bancorporation, Inc., Union Grove, Wisconsin, 

and increase its ownership up to 38.24 percent, 

and thereby indirectly increase its control of 

Community State Bank, Union Grove, 

Wisconsin.

COMMUNITY STATE BANK 

EMPLOYEE STOCK OWNERSHIP 

PLAN AND TRUST

Newspaper:

Federal Register:

CIC

Not available

Notice by Ralph C. Stayer and Shelly A. Stayer, 03/18/2011

Naples, Florida, and the RFS 2010 Irrevocable 

Trust F/B/O Ralph C. Stayer, to acquire 10 

percent or more of the voting shares of 

Hometown Bancorp, Ltd., Fond du Lac, 

Wisconsin, and thereby indirectly acquire 

control of Hometown Bank, Fond du Lac, 

Wisconsin.

HOMETOWN BANCORP, LTD.

* 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

 2235244 BANK IA, ALTOONA, IOWA 08/23/2010 01/05/2011 S Small Bank

 210434 NORTHERN TC, CHICAGO, ILLINOIS 05/10/2010 12/02/2010 O Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending March 5, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Triumph Bank, Memphis, Tennessee, to 04/06/2011

purchase certain assets and assume certain 

liabilities of the Arlington Community Bank, 

Arlington, Tennessee branch office of The 

Farmers Bank of Lynchburg, Lynchburg, 

Tennessee, and to retain the acquired facility as 

a branch office.

TRIUMPH 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 March 5, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/10/2011

03/15/2011

Change in Control Notice by Robert Karl Kamp, 

Manhattan, Montana, to retain control of 

Inter-Mountain Bancorp, Inc., Bozeman, 

Montana and thereby indirectly retain control of 

First Security Bank, Bozeman, Montana.

INTER-MOUNTAIN BANCORP., 

INC.

Newspaper:

Federal Register:

CIC 02/23/2011

03/15/2011

Notice by Cara Mulder, Prinsburg, Minnesota, 

to join a group acting in concert with Myron 

Mulder, Prinsburg, Minnesota, to acquire and 

retain control of PSB Financial Shares, Inc., 

Prinsburg, Minnesota, and thereby indirectly 

acquire and retain control of Prinsbank, 

Prinsburg, Minnesota.

PSB FINANCIAL SHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

03/24/2011

Western State Agency, Inc., Employee Stock 

Ownership Plan and Trust, Devils Lake, North 

Dakota, to become a bank holding company by 

acquiring over 25 percent of Western State 

Agency, Devils Lake, North Dakota and thereby 

indirectly acquire Western State Bank, Devils 

Lake, North Dakota.

WESTERN STATE AGENCY, 

INC., EMPLOYEE STOCK 

OWNERSHIP PLAN AND TRUST

* 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 March 5, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/17/2011

03/21/2011

Notification by Randal S. and Melissa J. 

Shannon, both of Drexel, Missouri, individually 

and as a part of the Shannon Family Group; and 

Angela Blume, Louisburg, Kansas, as a part of 

the Shannon Family Group, to acquire control of 

Amsterdam Bancshares, Inc., Amsterdam, 

Missouri, parent of Citizens Bank, Amsterdam, 

Missouri.

AMSTERDAM BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A3

* 18C

* Branch

03/28/2011

03/25/2011

Citizens National Corporation, Wisner, 

Nebraska to acquire 100 percent of the voting 

shares of First National Bank of Friend, Friend, 

Nebraska. Citizens State Bank, Wisner, 

Nebraska, to merge with First National Bank of 

Friend, Friend, Nebraska, and incident thereto, 

to establish a branch.

CITIZENS NATIONAL 

CORPORATION

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

FirstBank, Lakewood, Colorado, to merge with 

FirstBank of Arizona, Inc., Phoenix, Arizona, 

and to operate under the charter and title of 

FirstBank, Lakewood, Colorado.

FIRSTBANK

Newspaper:

Federal Register:

CIC 03/10/2011

03/15/2011

Notification by The Eyak Corporation, 

Anchorage, Alaska, to acquire control of Native 

American Bancorporation Co., parent of Native 

American Bank, National Association, both in 

Denver, Colorado.

NATIVE AMERICAN 

BANCORPORATION CO.

* 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 March 5, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Comerica Bank, Dallas, Texas, to merge with 

Sterling Bank, Houston, Texas; and to establish 

the 61 offices of Sterling Bank, Houston, Texas, 

as branches of Comerica Bank, Dallas, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* 3A3 03/27/2011

04/01/2011

Comerica, Inc., Dallas, Texas, to acquire 100 

percent of Sterling Bancshares, Inc., Houston, 

Texas.

COMERICA INCORPORATED

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Texas First Bank, Texas City, Texas, to merge 

with affiliate Texas First Bank, Santa Fe, Texas, 

and to establish nine branches at the following 

locations: 12402 Hwy., 6, Santa Fe, TX 77510; 

6128 Hwy. 6, Hitchcock, TX 77563; 2625 South 

Loop 35, Alvin, TX 77511; 5675 FM 646, 

Dickinson, TX 77539; 4301 Hwy.3, Dickinson, 

TX 77539; 111 West Parkwood, Friendswood, 

TX 77546; 3000 FM 1764, La Marque, TX 77568; 

111 South Hwy. 3, League City, TX 77573; and 

2343 North Main St., Pearland, TX 77581.

TEXAS FIRST BANK

* 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 March 5, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Hawaii to establish two agency offices 03/11/2011

1) Waialae-Kahala Private Client Services Office 

4211 Waialae Avenue, Suite 200, Honolulu, 

Hawaii and Kauai Private Client Services Office 

and Money Processing Center, 4421 Kukui 

Grove Street, Lihue, Hawaii.

BANK OF HAWAII

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Bank of Taiwan, Taipei, Taiwan, to upgrade its 

New York Agency to a branch office pursuant 

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

seciton 7(d) of FBSEA.

BANK OF TAIWAN

Newspaper:

Federal Register:

4c8 Not applicable

03/22/2011

Bridge Capital Holdings, San Jose, California, to 

form a wholly-owned subsidiary, Bridge Asset 

Management, Inc., San Jose, California, to 

engage in extending credit and servicing loans, 

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

Y.

BRIDGE CAPITAL HOLDINGS

Newspaper:

Federal Register:

CIC Not available

03/09/2011

Michael Fayne Rosinus, of Winnetka, Illinois, to 

acquire 0.11 percent of the voting shares of 

Cascade Bancorp, and thereby indirectly 

acquire voting shares of Bank of the Cascades, 

both of Bend, Oregon, and join with BOTC 

Holdings LLC with respect to its investment in 

Cascade Bancorp, resulting in a total collective 

acquisition of 24.46% of the voting shares of 

Cascade Bancorp.

CASCADE 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