Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 21 

Week Ending May 21, 2011

Board of Governors of the Federal Reserve System, Washington, DC 20551
Personnel

Division of Banking Supervision and Regulation -- appointment of Lisa H. Ryu as 

assistant director.

- Announced, May 16, 2011

H.2 Board Actions May 15, 2011 to May 21, 2011

(A/C) = Addition or Correction Board - Page 1 of 1
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSD Office of Staff Director

May 15, 2011 to May 21, 2011

Bank Holding Companies

Circle Bancorp, Novato, California; Shoreline Capital Partners, LP, Mill Valley; and 

Cole Financial Ventures, Inc. -- to become bank holding companies and to acquire 

Circle Bank on its conversion from an industrial bank to a commercial bank.

San Francisco

- Withdrawn, May 18, 2011

People's United Financial, Inc., Bridgeport, Connecticut -- waiver of application to 

merge with Danvers Bancorp, Inc., Danvers, Massachusetts, in connection with the 

merger of their respective subsidiary savings banks, People's United Bank, 

Bridgeport, and Danversbank, Danvers.

New York

- Granted, May 20, 2011

Bank Mergers

FirstBank, Lakewood, Colorado -- to merge with FirstBank of Arizona, Inc., 

Phoenix, Arizona.

Secretary

- Approved, May 19, 2011

Change in Bank Control

Gebsco, Inc., Mondovi, Wisconsin -- change in bank control of Gebsco and its 

subsidiary bank, Alliance Bank, Mondovi.

Minneapolis

- Permitted, May 16, 2011

(A/C) = Addition or Correction Delegated - 1 of 3
Change in Bank Control

Security National Corporation, Omaha, Nebraska -- to retain control of Security 

National and its subsidiary bank, Security National Bank of Omaha, Omaha.

Kansas City

- Permitted, May 17, 2011

Extensions of Time

Cabool State Bank Employee Stock Ownership Plan, Cabool, Missouri -- extension 

to September 3, 2011, to increase its ownership of Cabool Bancshares, Inc., Cabool, 

and thereby increase its indirect control of Cabool State Bank.

St. Louis

- Granted, May 18, 2011

China Investment Corporation, Beijing, People's Republic of China; Central Huijin 

Investment Limited; and Industrial and Commercial Bank of China Limited -- 

commenter's request to extend the comment period on the applications to acquire 

shares of The Bank of East Asia (U.S.A.) National Association, New York, New 

York.

Secretary

- Denied, May 16, 2011

Membership

First Capital Bank, Quanah, Texas -- to become a member of the Federal Reserve 

System.

Dallas

- Approved, May 19, 2011

H.2 Actions under delegated authority May 15, 2011 to May 21, 2011

(A/C) = Addition or Correction Delegated - 2 of 3
Regulations and Policies

Federal Open Market Committee -- minutes of the meeting on April 26-27, 2011.

FOMC

- Published, May 18, 2011

H.2 Actions under delegated authority May 15, 2011 to May 21, 2011

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

Federal Reserve Bank of Boston

Filings received during the week ending May 21, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 3A3

05/29/2011

06/02/2011

Lowell Five Bancorp, MHC and Lowell Five 

Bancorp, Inc., both of Lowell, Massachusetts, 

to become a mutual bank holding company and 

a stock bank holding company, respectively, by 

acquiring The Lowell Five Cents Savings Bank, 

Lowell, Massachusetts, pursuant to sections 

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

Company Act of 1956, as amended.

LOWELL FIVE BANCORP MHC

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 05/31/2011

Newburyport Five Cents Bancorp, MHC and 

Newburyport Five Cents Bancorp, Inc., both of 

Newburyport, Massachusetts, to become a 

mutual bank holding company and a stock bank 

holding company, respectively, by acquiring 

Newburyport Five Cents Savings Bank, 

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

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

of 1956, as amended.

NEWBURYPORT FIVE CENTS 

BANCORP MHC

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Third Quarter of 2011 (July 1, 2011 - September 30, 2011)

Institution Location

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

Federal Reserve Bank of New York

Filings received during the week ending May 21, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco BPI, S.A., Porto, Portugal, to establish 

representative offices in Newark, New Jersey 

and Fall River, Massachusetts, pursuant to 

Section 10(a) of the International Banking Act 

of 1978, as amended and Section 211.24(a)(1) of 

Regulation K.

BANCO BPI, S.A.

* 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 Third Quarter of 2011 (July 1, 2011 - September 30, 2011)

Institution Location

ADIRONDACK BK UTICA, NEW YORK

BANK OF NY MELLON NEW YORK, NEW YORK

BK OF MILLBROOK MILLBROOK, NEW YORK

EMPIRE STATE BK NEWBURGH, NEW YORK

FIVE STAR BK WARSAW, NEW YORK

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending May 21, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Landmark Bancorp, Inc., Pittston, PA, to engage 

in brokering mortgage loans and provide related 

services through Landmark Healthcare 

Mortgage Services, LLC, Pittston, PA, a denovo 

subsidiary of its wholly owned bank.

LANDMARK BANCORP INC

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Third Quarter of 2011 (July 1, 2011 - September 30, 2011)

Institution Location

MERCHANTS BK OF BANGOR BANGOR, PENNSYLVANIA

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

Federal Reserve Bank of Cleveland

Filings received during the week ending May 21, 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

NONE

CRA Examinations scheduled for Third Quarter of 2011 (July 1, 2011 - September 30, 2011)

Institution Location

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

Federal Reserve Bank of Richmond

Filings received during the week ending May 21, 2011

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 Third Quarter of 2011 (July 1, 2011 - September 30, 2011)

Institution Location

ALLIANCE BK CORP FAIRFAX, VIRGINIA

BANK OF LANCASTER KILMARNOCK, VIRGINIA

BANK OF MARION MARION, VIRGINIA

CECIL BK ELKTON, MARYLAND

CLEAR MNT BK BRUCETON MILLS, WEST VIRGINIA

EAGLEBANK BETHESDA, MARYLAND

FIRST CAP BK GLEN ALLEN, VIRGINIA

NEW PEOPLES BK HONAKER, VIRGINIA

PEOPLES BK OF VA RICHMOND, VIRGINIA

VA COMMONWEALTH BK PETERSBURG, VIRGINIA

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

Federal Reserve Bank of Atlanta

Filings received during the week ending May 21, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 06/01/2011

establish a branch at the outparcel at Lowe's 

located at 1498 E. Jackson Boulevard (Hwy. 

11E), Jonesborough, Tennessee.

REGIONS BANK

* 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 Third Quarter of 2011 (July 1, 2011 - September 30, 2011)

Institution Location

CCB CMNTY BK ANDALUSIA, ALABAMA

FIRST NAVY BK PENSACOLA, FLORIDA

FIRST PROGRESSIVE BK BREWTON, ALABAMA

LANDMARK BK OF FL SARASOTA, FLORIDA

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

Federal Reserve Bank of Chicago

Filings received during the week ending May 21, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

06/06/2011

Notice by Richard F. Levy, Riverwoods, Illinois, 

as Trustee of the Eugene P. Heytow Trust, 

dated March 23, 1988, as amended, to acquire 

more than 25 percent of the voting shares of 

Amalgamated Investments Company, Chicago, 

Illinois, and thereby indirectly control 

Amalgamated Bank of Chicago, Chicago, 

Illinois.

AMALGAMATED 

INVESTMENTS COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Geneva, Geneva, Indiana, to establish a 06/01/2011

branch facility to be located at 1061 Thirteenth 

Street, Decatur, Indiana.

BANK OF GENEVA

Newspaper:

Federal Register:

4c8 Not applicable

06/08/2011

Elgin Bancshares, Inc., Elgin, Illinois, to retain 

the nonbanking activities of engaging in 

extending credit and servicing loans.

ELGIN BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

06/06/2011

North Central Bancshares,Inc., Fort Dodge, 

Iowa, to become a bank holding company 

following the conversion its subsidiary, First 

Federal Savings Bank of Iowa, Fort Dodge, 

Iowa, from a federally chartered savings bank to 

a state chartered bank.

NORTH CENTRAL 

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 Third Quarter of 2011 (July 1, 2011 - September 30, 2011)

Institution Location

BANK MIDWEST SPIRIT LAKE, IOWA

BAYLAKE BK STURGEON BAY, WISCONSIN

CENTRAL BK STORM LAKE, IOWA

CENTRAL ST BK MUSCATINE, IOWA

CHEMICAL BK MIDLAND, MICHIGAN

CITIZENS FIRST ST BK OF WALNUT WALNUT, ILLINOIS

CLEAR LAKE B&TC CLEAR LAKE, IOWA

COMMUNITY ST BK AVILLA, INDIANA

FARMERS AND MECHANICS BK GALESBURG, ILLINOIS

FIRST CHICAGO B&T CHICAGO, ILLINOIS

FIRST EAGLE BK HANOVER PARK, ILLINOIS

FIRST ST BK BOURBON IN BOURBON, INDIANA

HENDRICKS CTY B&TC BROWNSBURG, INDIANA

HURON CMNTY BK EAST TAWAS, MICHIGAN

ILLINI ST BK OGLESBY, ILLINOIS

IOWA ST BK WAPELLO, IOWA

LAKE CITY BK WARSAW, INDIANA

LAKE FOREST B&TC LAKE FOREST, ILLINOIS

MARKESAN ST BK MARKESAN, WISCONSIN

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

Federal Reserve Bank of St. Louis

Filings received during the week ending May 21, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

State Holding Company, Little Rock, Arkansas, 

to engage in lending activities.

STATE HOLDING COMPANY

* 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 Third Quarter of 2011 (July 1, 2011 - September 30, 2011)

Institution Location

BANK OF JACKSON JACKSON, TENNESSEE

ELBERFELD ST BK ELBERFELD, INDIANA

FIRST CMNTY BK XENIA FLORA XENIA, ILLINOIS

LIBERTY BANK OF ARKANSAS JONESBORO, ARKANSAS

MIDLAND ST BK EFFINGHAM, ILLINOIS

MONTICELLO BKG CO MONTICELLO, KENTUCKY

SOUTHERN BK POPLAR BLUFF, MISSOURI

TRUMAN BK SAINT LOUIS, MISSOURI

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending May 21, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Western Bank & Trust, Minot, North 

Dakota, to merge with First Western Bank & 

Trust, Eden Prairie, Minnesota, and incident 

thereto proposes to establish a branch at 100 

Prairie Center Drive, Eden Prairie, Minnesota.

FIRST WESTERN BANK AND 

TRUST

Newspaper:

Federal Register:

* 3A5 Not available

06/06/2011

Leackco Bank Holding Company, Inc., Wolsey, 

South Dakota, to acquire 100 percent of 

Kingsbury Bank Holding Company, De Smet, 

South Dakota, and thereby indirectly acquire 

Peoples State Bank, De Smet, South Dakota.

LEACKCO BANK HOLDING 

COMPANY, 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 Third Quarter of 2011 (July 1, 2011 - September 30, 2011)

Institution Location

BELT VALLEY BK BELT, MONTANA

COMMUNITY RESOURCE BK NORTHFIELD, MINNESOTA

FIRST INTRST BK BILLINGS, MONTANA

KANABEC ST BK MORA, MINNESOTA

MERCHANTS ST BK FREEMAN, SOUTH DAKOTA

NORTHWESTERN BK CHIPPEWA FALLS, WISCONSIN

SECURITY FNCL BK DURAND, WISCONSIN

UNITED BKR BK BLOOMINGTON, MINNESOTA

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

Federal Reserve Bank of Kansas City

Filings received during the week ending May 21, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

06/09/2011

Adbanc, Inc., Ogallala, Nebraska, proposes to 

engage in lending activities.

ADBANC, INC.

Newspaper:

Federal Register:

CIC Not available

05/20/2011

Notification by the O. Jay Tomson Revocable 

Trust, Ollie Jay Tomson, Mason City, Iowa, 

trustee, to retain control of FBHC Holding 

Company, parent of Flatirons Bank, both in 

Boulder, Colorado.

FBHC HOLDING COMPANY

Newspaper:

Federal Register:

* 3A1 05/11/2011

05/31/2011

Palco Bankshares, Inc., Palco, Kansas, to 

become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Midwest Community Bank, Plainville, 

Kansas.

PALCO BANKSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

05/24/2011

Notification by Stanley D. Ostmeyer, Quinter, 

Kansas, to become trustee of the State Bank 

Employee Stock Ownership Plan, Hoxie, Kansas, 

and thereby acquire control of Prairie State 

Bancshares, Inc., parent of State Bank, both in 

Hoxie, Kansas.

STATE BANK EMPLOYEES 

STOCK OWNERSHIP PLAN

* 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 Third Quarter of 2011 (July 1, 2011 - September 30, 2011)

Institution Location

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

Federal Reserve Bank of Dallas

Filings received during the week ending May 21, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

05/11/2011

Jonathan Ross Kasling of Hughes Springs, 

Texas, Individually; Mayo Givens Kasling III of 

Hughes Springs, Texas, Individually; Jonathan 

Ross Kasling of Hughes Springs, Texas; Mayo 

Givens Kasling III of Hughes Springs, Texas; 

Mayo Givens Kasling, Jr. of Hughes Springs, 

Texas and Mayo Givens Kasling, Jr. as Trustee 

for the Mayo G. Kasling III 1996 Trust and as 

Trustee for the Jonathan Ross Kasling 1996 

Trust; Rebecca Lynn Kasling of Hughes 

Springs, Texas; Mayo Givens Kasling, Sr. of 

Hughes Springs, Texas; Catherine Denise 

Kasling DeWitt of Hughes Springs, Texas; 

Misty Morgan Lake of Hughes Springs, Texas; 

Randall Marc Morgan of Hughes Springs, 

Texas; Sarah Virginia Kasling Shelton of 

Hughes Springs, Texas and Sarah Virginia 

Kasling as Trustee for the Ricky Dub Shelton Jr. 

1996 Trust and as Trustee for the Shelby 

Shelton 1996 Trust and as Trustee for the 

Trenton Shelton 1996 Trust; Roy Kemp Kasling 

of Austin, Texas and Roy Kemp Kasling as 

Trustee for the Alexandra Kasling 1996 Trust 

and as Trustee for the Natalie Kasling 1996 

Trust; all as members of the Kasling Family 

Group, intend to apply to the Federal Reserve 

Board for permission to retain control of 25 

percent or more of the shares of Chalybeate 

Springs Corporation, Hughes Springs, Texas 

and thereby indirectly retain control of The First 

National Bank of Hughes Springs, Hughes 

Springs, Texas.

CHALYBEATE SPRINGS 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

06/20/2011

MTA Bancshares, Inc., Seagoville, Texas, to 

become a bank holding company by acquiring 

100 percent of HomeBank @, Seagoville, Texas.

MTA BANCSHARES. INC.

Newspaper:

Federal Register:

* 3A1 05/28/2011

05/27/2011

Platinum Bancshares of Texas, Inc., Lubbock, 

Texas, to become a bank holding company by 

acquiring 100 percent of Platinum Bank, 

Lubbock, Texas.

PLATINUM BANCSHARES OF 

TEXAS, INC.

Newspaper:

Federal Register:

* 3A1 Not available

06/11/2011

Viewpoint Financial Group, Inc., Plano, Texas, to 

become a bank holding company by acquiring 

100 percent of ViewPoint Bank, National 

Association, Plano, Texas.

VIEWPOINT FINANCIAL 

GROUP, 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 Third Quarter of 2011 (July 1, 2011 - September 30, 2011)

Institution Location

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

Federal Reserve Bank of San Francisco

Filings received during the week ending May 21, 2011

Filer Filing Type Filing Proposal End of Comment Period

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:

* 3A1 Not available

06/13/2011

BankGuam Holding Company, to become a bank 

holding company by acquiring 100 percent of 

Bank of Guam, both of Hagatna, Guam.

BANKGUAM HOLDING 

COMPANY

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Noticce of Change in Control by 

Castle Creek Capital IV, Castle Creek Advisors 

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

John Eggemeyer, William Ruh, Mark Merlo, and 

Joseph Misesell Thomas, all of Rancho Santa 

Fe, California, to acquire up to 24.9 percent of 

Intermountain Community Bancorp, and thereby 

indirectly Panhandle State Bank, both of 

Sandpoint, Idaho.

INTERMOUNTAIN 

COMMUNITY BANCORP

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Noticce of Change in Control by 

Stadium Capital Partners, L.P., Stadium Capital 

Qualified Partners, L.P., Stadium Capital 

Management LLC, and John Welborn, all of 

Bend, Oregon, to acquire up to 24.9 percent of 

Intermountain Community Bancorp, and thereby 

indirectly Panhandle State Bank, both of 

Sandpoint, Idaho.

INTERMOUNTAIN 

COMMUNITY BANCORP

Newspaper:

Federal Register:

* 3A3 Not available

04/25/2011

Mitsubishi UFJ Financial Group, Inc., Tokyo, 

Japan, to acquire up to 24.9 percent of Morgan 

Stanley, New York, New York, and indirectly its 

subsidiaries, Morgan Stanley Capital 

Management LLC, New York, New York, 

Morgan Stanley Domestic Holdings, Inc., New 

York, New York, Morgan Stanley Bank, National 

Association, Salt Lake City, Utah, and Morgan 

Stanley Private Bank, National Association, 

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

of the Bank Holding Company Act.

MITSUBISHI UFJ FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

North Valley Bank, Redding, California, to 05/25/2011

establish a branch office at 2999 Douglas 

Boulevard, Suites 155 and 160, Roseville, 

California.

NORTH VALLEY BANK

* 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 Third Quarter of 2011 (July 1, 2011 - September 30, 2011)

Institution Location

FARMERS & MRCH BK LONG BEACH, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act