Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 5 

Week Ending February 4, 2012

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

Banking Supervision -- statement by Kevin M. Bertsch, associate director, Division 

of Banking Supervision and Regulation, before a subcommittee of the House 

Committee on Financial Services on the Federal Reserve's perspective on the 

Financial Institutions Examination Fairness and Reform Act (H.R. 3461).

- Published, February 1, 2012

The Economic Outlook and the Federal Budget -- statement by Chairman Bernanke 

before the House Committee on the Budget on February 2 and the Senate Committee 

on the Budget on February 7, 2012, on the economic outlook, monetary policy, and 

the challenges facing federal fiscal policymakers.

- Published, February 2, 2012

Personnel

Division of Information Technology -- appointment of Lisa M. Bell, Raymond 

Romero, and Kofi A. Sapong as associate directors; William K. Dennison, Glenn 

Eskow, Marietta Murphy, Kassandra Arana Quimby, Sheryl L. Warren, and 

Rajasekhar Yelisetty as deputy associate directors; Theresa Palya, Virginia Wall, 

Edgar Wang, and Charles B. Young as assistant directors; and Tom Nguyen as 

adviser.

- Approved, February 1, 2012

Regulations and Policies

Junior Lien Loan Loss Allowances -- interagency supervisory guidance on allowance 

for loan and lease losses estimation practices associated with loans and lines of credit 

secured by junior liens on one- to four-family residential properties.

- Announced, January 31, 2012

H.2 Board Actions January 29, 2012 to February 4, 2012

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

Bank of Bartlett, Bartlett, Tennessee -- issuance of a prompt corrective action 

directive with the consent of the bank.

- Announced, January 31, 2012

Capitol City Bancshares, Inc., Atlanta, Georgia -- written agreement with the Federal 

Reserve Bank of Atlanta and the State of Georgia Department of Banking and 

Finance.

- Announced, January 31, 2012

H.2 Board Actions January 29, 2012 to February 4, 2012

(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

January 29, 2012 to February 4, 2012

MA Monetary Affairs

Bank Branches, Domestic

FirstBank, Lakewood, Colorado -- to establish a branch at 2025 North Alma School 

Road, Chandler, Arizona.

Secretary

- Approved, February 2, 2012

Bank Holding Companies

1st United Bancorp, Inc., Boca Raton, Florida -- to acquire Anderen Financial, Inc., 

Palm Harbor, and Anderen Bank.

Secretary

- Approved, February 3, 2012

First Financial Holdings, Inc., Charleston, South Carolina -- to become a bank 

holding company on conversion of First Federal Savings and Loan Association, 

Charleston, to a state-chartered commercial bank.

Richmond

- Approved, February 3, 2012

FNBNY Bancorp, Inc., New York, New York, and Modern Capital Holdings, LLC -- 

to become bank holding companies and to acquire Madison National Bancorp, Inc., 

Hauppauge, and Madison National Bank; and for Modern Capital Holdings to 

acquire shares of The Upstate National Bank, Lisbon.

New York

- Approved, January 31, 2012

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

Park National Corporation, Newark, Ohio -- to engage in extending credit through its 

subsidiary, SE Property Holdings, LLC, Newark.

Secretary

- Approved, January 30, 2012

Seacoast Banking Corporation of Florida, Stuart, Florida -- request for an exemption 

under the Depository Institution Management Interlocks Act and Regulation L.

General Counsel

- Granted, January 17, 2012

(A/C)

Bank Mergers

Centennial Bank, Conway, Arkansas -- to purchase certain assets and assume certain 

liabilities of Vision Bank, Panama City, Florida, and to retain the acquired facilities 

as branches.

St. Louis

- Approved, January 30, 2012

Centennial Bank, Conway, Arkansas -- to purchase the assets and assume the deposit 

liabilities of First Guaranty Bank and Trust Company of Jacksonville, Jacksonville, 

Florida, and to retain the acquired facilities as branches.

St. Louis

- Withdrawn, January 30, 2012

First Farmers Bank & Trust, Converse, Indiana -- to merge with Citizens National 

Bank of Paris, Paris, Illinois, and thereby establish four branches.

Chicago

- Withdrawn, February 2, 2012

H.2 Actions under delegated authority January 29, 2012 to February 4, 2012

(A/C) = Addition or Correction Delegated - 2 of 4
Banks, Nonmember, and Miscellaneous Institutions

South Carolina Community Bank, Columbia, South Carolina -- request by Benedict 

College, Columbia, for relief from a commitment with respect to the bank.

Director, BS&R

- Granted, January 31, 2012

Change in Bank Control

Johnson Financial Group, Inc., Racine, Wisconsin -- change in bank control of 

Johnson Financial and its subsidiary bank, Johnson Bank, Racine.

Chicago

- Permitted, January 31, 2012

Williams Financial Corp., Gothenburg, Nebraska -- change in bank control of 

Williams Financial and its subsidiary bank, The Gothenburg State Bank and Trust 

Company, Gothenburg.

Kansas City

- Permitted, February 3, 2012

Financial Holding Companies 

Mutual of Omaha Insurance Company, Omaha, Nebraska -- election to become a 

financial holding company.

Kansas City

- Effective, January 30, 2012

H.2 Actions under delegated authority January 29, 2012 to February 4, 2012

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

First Federal Savings and Loan Association, Charleston, South Carolina -- to become 

a member of the Federal Reserve System on conversion to a state-chartered bank,

First Federal Bank.

Richmond

- Approved, February 3, 2012

Savings and Loan Holding Companies

Winding Creek Holdings, LLC, Toledo, Ohio -- to become a savings and loan 

holding company and to acquire shares of Bank of Maumee, Maumee.

Cleveland

- Withdrawn, February 2, 2012

H.2 Actions under delegated authority January 29, 2012 to February 4, 2012

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

Federal Reserve Bank of Boston

Filings received during the week ending February 4, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 02/23/2012

02/27/2012

Application by Cape Cod Five Mutual 

Company, Harwich Port, Massachusetts, to 

establish a mutual bank holding company 

through the acquisition of The Cape Cod Five 

Cents Savings Bank, Harwich Port, 

Massachusetts. The filing was submitted 

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

Company Act of 1956, as amended.

CAPE COD FIVE MUTUAL 

COMPANY

* 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 February 4, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Trust Company, Buffalo, 02/09/2012

New York, to establish a branch office located at 

1420 Wisconsin Avenue NW, Washington, DC 

("Georgetown Branch" RSSD ID 4370224).

MANUFACTURERS AND 

TRADERS TRUST COMPANY

* 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 February 4, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/21/2011

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

Financial Partners, L.P., Patriot Financial 

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

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

Patriot Financial Manager, LLC. and Messrs. Ira 

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

all of Philadelphia, Pennsylvania, to purchase 

up to 24.9 percent of Porter Bancorp, Inc., 

Louisville, KY.

PATRIOT FINANCIAL 

PARTNERS LP

* 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 February 4, 2012

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 February 4, 2012

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending February 4, 2012

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 February 4, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

02/23/2012

Notice by Banner Bancorp, LTD, Birnamwood, 

Wisconsin, to continue to engage de novo in 

extending credit and servicing loans.

BANNER BANCORP, LTD.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

The Farmers & Mechanics Bank, Galesburg, 

Illinois, to purchase certain assets and assume 

certain liabilities of Associated Bank, N.A., 

Green Bay, Wisconsin, branches located at 50 

East Main Street and 1865 Henderson Street, 

both of Galesburg, Illinois. The Farmers & 

Mechanics Bank will establish an office at 1865 

Henderson Street, Galesburg, Illinois, upon 

consummation of the proposal.

FARMERS AND MECHANICS 

BANK, THE

Newspaper:

Federal Register:

* 3A1 Not available

01/06/2012

Inspire Bancshares, Inc., Tomah, Wisconsin, to 

become a bank holding company by acquiring 

100 percent of the voting shares of Community 

State Bank, Norwalk, Wisconsin.

INSPIRE BANCSHARES INC

Newspaper:

Federal Register:

* Branch Not available

Not applicable

The Northern Trust Company, Chicago, Illinois, 

to establish a branch facility to be located at 

Telegraph Road Metra Train Station, 911 South 

Telegraph Road, Lake Forest, Illinois.

NORTHERN TRUST COMPANY, 

THE

Newspaper:

Federal Register:

CIC Not available

01/31/2012

Notice by Edward A. Cox, Jr., individually, and 

together with John M. Cox as a group acting in 

concert, both of Naples, Florida, to acquire over 

25 percent of the outstanding shares of 

Rush-Oak Corporation, Chicago, Illinois, and 

thereby indirectly acquire control of Oak Bank, 

Chicago, Illinois.

RUSH-OAK CORPORATION

Newspaper:

Federal Register:

CIC Not available

02/14/2012

Notice by the Patricia I. Walsh Trust, Patricia I. 

Walsh as trustee, River Forest, Illinois, Mark J. 

Walsh, River Forest, Illinois, Richard A. Walsh, 

La Grange, Illinois, Katherine Walsh Hennessy, 

Chicago, Illinois, Anne E. Walsh, Forest Park, 

Illinois, Brian J. Walsh, Forest Park, Illinois, and 

Patrick M. Walsh, Chicago, Illinois, together as 

a group acting in concert, to acquire over 25 

percent of the outstanding shares of Rush-Oak 

Corporation, Chicago, Illinois, and thereby 

indirectly acquire control of Oak Bank, Chicago, 

Illinois.

RUSH-OAK CORPORATION

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Notice by Town and Country Bank, Springfield, 

Illinois, to purchase certain assets and assume 

certain deposit and other liabilities of the branch 

of Associated Bank, National Association, 

Green Bay, Wisconsin, located at 706 Maine 

Street, Quincy, Illinois. Town and Country 

Bank will establish an office at 706 Maine Street, 

Quincy, Illinois, upon consummation of the 

proposal.

TOWN AND COUNTRY BANK

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Notice by Waytru Bancorp, Cambridge City, 

Indiana, to continue to engage in the 

permissible nonbanking activity of extending 

credit and servicing loans.

WAYTRU BANCORP

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

Federal Reserve Bank of Chicago

Filings received during the week ending February 4, 2012

Filer Filing Type Filing Proposal End of Comment Period

* 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 February 4, 2012

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 February 4, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Corporate Merchant Services Inc., Lake Mary, 

Florida, to become a bank holding company by 

acquiring 100 percent of Northern Star Financial 

Inc., Mankato, Minnesota, and thereby 

indirectly acquire Northern Star Financial, Inc., 

Mankato, Minnesota.

CORPORATE MERCHANT 

SERVICES INC.

Newspaper:

Federal Register:

CIC 02/15/2012

02/14/2012

Change in Control Notice by Bryan Bruns, 

Annandale, Minnesota, to acquire 10 percent or 

more of the voting shares of Lake Central 

Financial, Inc., Annandale, Minnesota, and 

thereby indirectly gain control of Annandale 

State Bank, Annandale, Minnesota. In addition, 

Dwight and Leonetta Bruns, Dean and Cheryl 

Bruns, and Ricky and Renee Walberg, all of 

Annandale, Minnesota, to acquire voting 

shares and thereby join the Bruns Family Group, 

a group acting in concert, which controls Lake 

Central Financial, Inc., Annandale, Minnesota.

LAKE CENTRAL FINANCIAL, 

INC.

Newspaper:

Federal Register:

* 3A1 02/20/2012

02/21/2012

MinnDak Bancshares, Inc., Park Rapids, 

Minnesota, to become a bank holding company 

by acquiring 100 percent of Kent Bancshares, 

Inc., Kent, Minnesota, and thereby indirectly 

acquire Kent State Bank, Kent, Minnesota.

MINNDAK BANCSHARES INC.

Newspaper:

Federal Register:

CIC Not available

02/07/2012

Change in control notice by Samuel B. Gault, 

Saint Peter, Minnesota, and Lisa R. Gault, 

Chaska, Minnesota, each to acquire 25% or 

more of the shares of Saint Peter Agency, Inc., 

Saint Peter, Minnesota, and thereby indirectly 

acquire control of The Nicollet County Bank of 

Saint Peter, Saint Peter, Minnesota.

SAINT PETER AGENCY, INC.

Newspaper:

Federal Register:

* 3A3 Not available

02/21/2012

State Bankshares, Inc., Fargo, North Dakota, to 

acquire 100% of First Hawley Bancshares, Inc., 

Hawley, Minnesota, and thereby indirectly gain 

control of First National Bank, Hawley, 

Minnesota.

STATE BANKSHARES, INC.

Newspaper:

Federal Register:

CIC 02/13/2012

02/13/2012

Change in Control Notice by Mark L. Hensley, 

Kalispell, Montana, Daniel J. Hensley, Kalispell, 

Montana, and Joan C. Hensley Brennan, 

Kirkland, Washington, as proposed general 

partners of the Hensley Family Limited 

Partnership, Kalispell, Montana, to gain control 

of Valley Bancshares, Inc., Kalispell, Montana, 

and thereby indirectly gain control of Valley 

Bank of Kalispell, Kalispell, Montana.

VALLEY BANCSHARES, 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 February 4, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/14/2012

Notice by the Paul E. Nielsen and Patricia I. 

Nielsen Revocable Trust, and Patricia I. Nielsen, 

trustee, Albuquerque, New Mexico, to retain 

control of Alamosa Bancorporation, Ltd., parent 

of Alamosa State Bank, both in Alamosa, 

Colorado.

ALAMOSA 

BANCORPORATION, LTD.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Cottonwood Valley Bank, Cedar Point, Kansas, 02/13/2012

to merge with Pilsen State Bank, Lincolnville, 

Kansas, and incident thereto, to establish a 

branch.

COTTONWOOD VALLEY BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Country Club Bank, Kansas City, Missouri, to 02/22/2012

establish a branch at One Ward Parkway, 

Kansas City, Missouri.

COUNTRY CLUB BANK

Newspaper:

Federal Register:

* 3A1 03/02/2012

02/27/2012

JCK, Inc., to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of the First National Bank and 

Trust Company of Junction City, Kansas, both 

in Junction City, Kansas.

JCK, INC.

Newspaper:

Federal Register:

* 3A3 Not available

02/27/2012

NBC Bancshares, LLC, Lincoln, Nebraska, to 

retain 76.44 percent of the voting shares of 

Nebraska Bank of Commerce, Lincoln, Nebraska, 

through its conversion from a savings 

association to a Nebraska state banking 

corporation.

NBC BANCSHARES LLC

Newspaper:

Federal Register:

CIC Not available

02/13/2012

Notice by Lindley C. Stuart, Shattuck, 

Oklahoma, individually; and by Dusti D. 

Kuehne, Southlake, Texas, to become part of the 

Stuart Family Group acting in concert; to 

acquire control of Shattuck Bancshares, Inc., 

parent of The Shattuck National Bank, both in 

Shattuck, Oklahoma.

SHATTUCK 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 February 4, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

03/02/2012

Independent Bank Group, Inc., McKinney, 

Texas, to acquire by merger 100 percent of I 

Bank Holding Company, Inc., Lakeway, Texas, 

and indirectly acquire I Bank Texas, SSB, 

Austin, Texas.

INDEPENDENT BANK GROUP, 

INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

PlainsCapital Bank, Dallas, Texas, to establish a 

branch at 6100 Colleyville Boulevard, Suite 170, 

Colleyville, Texas 76034.

PLAINSCAPITAL BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Western Bank, Lordsburg, New Mexico, to 02/10/2012

establish a branch at 1 Main Street, Bisbee, 

Arizona 85603.

WESTERN 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 February 4, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8 02/21/2012

First PacTrust Bancorp, Inc., Chula Vista, 

California, to become a bank holding company 

by acquiring 100 percent of Beach Business 

Bank, Manhattan Beach, California, pursuant to 

section 3(a)(1) of the BHC Act, and 2)to retain 

100 percent control of Pacific Trust Bank, 

fsb,Chula Vista, California, and thereby engage 

in operating a nonbank thrift subsidiary, 

pursuant to section 225.28(b)(4) of Regulation 

Y.

FIRST PACTRUST BANCORP, 

INC.

* 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