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 22, 2010

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

European Debt Problems -- statement by Governor Tarullo before the Subcommittees 

on International Monetary Policy and Trade and on Domestic Monetary Policy and 

Technology of the House Committee on Financial Services on the international 

response to European debt problems.

- Published, May 20, 2010

Enforcement

Albina Community Bancorp, Portland, Oregon -- written agreement with the Federal 

Reserve Bank of San Francisco and the Oregon Department of Consumer and 

Business Services, Division of Finance and Corporate Securities.

- Announced, May 20, 2010

Cowboy State Bank, Ranchester, Wyoming -- written agreement with the Federal 

Reserve Bank of Kansas City and the Wyoming Department of Audit, Division of 

Banking.

- Announced, May 17, 2010

DBT Holding Company, Vidalia, Georgia -- written agreement with the Federal 

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

- Announced, May 19, 2010

FirsTier II Bancorp, Cheyenne, Wyoming -- written agreement with the Federal 

Reserve Bank of Kansas City.

- Announced, May 20, 2010

Gulf State Bancorp, Carrabelle, Florida -- written agreement with the Federal 

Reserve Bank of Atlanta.

- Announced, May 18, 2010

H.2 Board Actions May 16, 2010 to May 22, 2010

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

Pacific Capital Bancorp, Santa Barbara, California -- written agreement with the 

Federal Reserve Bank of San Francisco.

- Announced, May 17, 2010

Standard Chartered Bank International (Americas) Limited, Miami, Florida -- 

issuance of a consent order of prohibition against Antonio Garcia-Adanez, a former 

private banking relationship manager and institution-affiliated party.

- Announced, May 17, 2010

H.2 Board Actions May 16, 2010 to May 22, 2010

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

May 16, 2010 to May 22, 2010

Bank Branches, Domestic

Regions Bank, Birmingham, Alabama -- to establish branches at 8106 Okeechobee 

Boulevard, West Palm Beach, Florida; 1830 Martin Luther King Boulevard, Houma, 

Louisiana; and 1025 Joyce Lane, Nashville, Tennessee.

Atlanta

- Approved, May 21, 2010

Reliant Bank, Brentwood, Tennessee -- to establish a branch at 101 Creekstone 

Boulevard, Suite 100, Franklin.

Atlanta

- Approved, May 20, 2010

SmartBank, Pigeon Forge, Tennessee -- to establish a branch at 639 Dolly Parton 

Parkway, Sevierville.

Atlanta

- Withdrawn, May 19, 2010

Southern Bancorp Bank, Arkadelphia, Arkansas -- to establish branches at 

206 Airport Road, Hot Springs, and 2552 Highway 51 South, Hernando, Mississippi.

Secretary

- Approved, May 19, 2010

Texas First Bank, Texas City, Texas -- to establish a branch at 4700 Highway 365, 

Unit J, Port Arthur.

Dallas

- Approved, May 21, 2010

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

The Bancorp, Inc., Wilmington, Delaware -- to acquire Bancorp Federal Savings 

Bank (in formation), Mount Laurel, New Jersey.

Philadelphia

- Withdrawn, May 20, 2010

CrossFirst Holdings, LLC, Overland Park, Kansas -- to engage in lending activities 

through CFSA, LLC, Overland Park.

Kansas City

- Approved, May 18, 2010

Dentel Bancorporation, Victor, Iowa -- to acquire Panora State Bank, Panora.

Chicago

- Approved, May 19, 2010

Bank Mergers

Southern Bank, Poplar Bluff, Missouri -- to purchase the assets and assume the 

liabilities of Southwest Community Bank, Springfield, and thereby establish a 

branch.

St. Louis

- Withdrawn, May 17, 2010

Change in Bank Control

Kansas Pacific Investments, LLC, Hays, Kansas -- change in bank control of Kansas 

Pacific and its subsidiary bank, First National Bank, Hays.

Kansas City

- Permitted, May 21, 2010

H.2 Actions under delegated authority May 16, 2010 to May 22, 2010

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

Southport Financial Corporation, Kenosha, Wisconsin -- change in bank control of 

Southport Financial and its subsidiary bank, Southport Bank, Kenosha.

Chicago

- Permitted, May 21, 2010

Extensions of Time

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga 

Springs, New York -- extension to September 4, 2010, to acquire additional shares of 

473 Broadway Holding Corporation, Saratoga Springs, and of The Adirondack Trust 

Company.

New York

- Granted, May 18, 2010

Financial Holding Companies 

Drexel Morgan & Co., Radnor, Pennsylvania -- election to become a financial 

holding company.

Philadelphia

- Effective, May 20, 2010

International Operations

American Express Company, New York, New York, and American Express Travel 

Related Services Company, Inc. -- waiver of remainder of notification period to 

retain their investment in Swiss Bankers Prepaid Services AG, Grosshochstetten, 

Switzerland.

Director, BS&R

- Granted, May 18, 2010

H.2 Actions under delegated authority May 16, 2010 to May 22, 2010

(A/C) = Addition or Correction Delegated - 3 of 4
Regulations and Policies

Federal Open Market Committee -- minutes of the meeting on April 27 and 28, 2010. 

FOMC

- Published, May 19, 2010

H.2 Actions under delegated authority May 16, 2010 to May 22, 2010

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

Federal Reserve Bank of Boston

Filings received during the week ending May 22, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

FHB Formation LLC, Boston, Massachusetts, to 

make investments into Northeast Bancorp and 

its wholly owned subsidiary, Northeast Bank, 

both of Lewiston, Maine, pursuant to section 3 

of the Bank Holding Company Act, as amended.

FHB FORMATION LLC

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

State Street Bank & Trust Company and State 

Street International Holdings (SSIH), both of 

Boston, Massachusetts, to invest additional 

amount in one or more subsidiaries of SSIH in 

excess of the aggregate investment limits 

pursuant to section 211.9(f) of Regulation K in 

connection with the acquisition of Eurogalleon 

Limited.

STATE STREET BANK AND 

TRUST 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 Third Quarter of 2010 (July 1, 2010 - September 30, 2010)

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 22, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

06/04/2010

Commonwealth Bank of Australia, Sydney, 

Australia, to acquire approximately 8.9 percent 

of the shares of Air Lease Corporation, Los 

Angeles, California, a de novo Delaware 

corporation, and thereby engage in certain 

nonbanking activities, pursuant to Section 

225.24 of Regulation Y.

COMMONWEALTH BANK OF 

AUSTRALIA

Newspaper:

Federal Register:

* 3A1 Not available

06/21/2010

PNBK Holdings LLC, PNBK Sponsor LLC and 

PNBK Investment Partners LLC, all of Stamford, 

Connecticut requests prior approval to acquire 

Patriot National Bancorp, Inc. and Patriot 

National Bank, both of Stamford, Connecticut, 

and thereby become bank holding companies, 

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

Company Act of 1956, as amended, and Section 

225.15 of Regulation Y.

PNBK Holdings LLC

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Popular, Inc., and Banco Popular de Puerto 

Rico, both of San Juan, Puerto Rico to transfer 

certain investments held, to its wholly-owned 

subsidiary, EVERTEC, Inc., San Juan, Puerto 

Rico, pursuant to Section 211.9(f).

POPULAR, INC.

* 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 2010 (July 1, 2010 - September 30, 2010)

Institution Location

BANCO POPULAR DE PR SAN JUAN, PUERTO RICO

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending May 22, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

04/09/2010

Tower Bancorp, Inc., Harrisburg, PA, to acquire 

First Chester County Corporation, West 

Chester, PA.

TOWER 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 2010 (July 1, 2010 - September 30, 2010)

Institution Location

AMERICAN BK ALLENTOWN, PENNSYLVANIA

BRYN MAWR TC BRYN MAWR, PENNSYLVANIA

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

Federal Reserve Bank of Cleveland

Filings received during the week ending May 22, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Third Quarter of 2010 (July 1, 2010 - September 30, 2010)

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 22, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

06/18/2010

CapGen Capital Group IV LLC and CapGen 

Capital Group IV LP, both of New York, New 

York, to become bank holding companies 

through the acquisition of up to 49.9% of the 

voting securities of Jacksonville Bancorp, 

Jacksonville, Florida, and indirectly acquire The 

Jacksonville Bank, Jacksonville, Florida.

CapGen Capital Group IV LLC

Newspaper:

Federal Register:

* 3A1 06/18/2010

06/12/2010

Cordia Bancorp Inc., Washington, DC, to 

become a bank holding company through the 

acquisition of up to 52.3% of the voting 

securities of Bank of Virginia, Midlothian, 

Virginia.

Cordia Bancorp Inc.

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 911825 HERITAGE BK, NORFOLK, VIRGINIA 10/19/2009 05/11/2010 S Small Bank

CRA Examinations scheduled for Third Quarter of 2010 (July 1, 2010 - September 30, 2010)

Institution Location

BANKANNAPOLIS ANNAPOLIS, MARYLAND

COMMUNITY CAP BK VA CHRISTIANSBURG, VIRGINIA

EVB TAPPAHANNOCK, VIRGINIA

FARMERS & MERCHANTS BK TIMBERVILLE, VIRGINIA

FARMERS BK OF APPOMATTOX APPOMATTOX, VIRGINIA

FREEDOM BK OF VIRGINIA VIENNA, VIRGINIA

PLEASANTS CTY BK SAINT MARYS, WEST VIRGINIA

SANDY SPRING BK OLNEY, MARYLAND

SONABANK MCLEAN, VIRGINIA

UNION FIRST MKT BK RICHMOND, VIRGINIA

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

Federal Reserve Bank of Atlanta

Filings received during the week ending May 22, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

After-the-fact change in control notice filed by 

Stafford Lester Scaff, Jr., and Anne Csercsics 

Scaff, both of Lake City, Florida, to retain 19.94 

percent of the outstanding shares of First 

Columbia Bancorp, Inc. (Bancorp), and its 

subsidiary, Columbia Bank (Bank), both of Lake 

City, Florida; and to acquire up to 42 percent of 

the outstanding shares of Bancorp and Bank.

FIRST COLUMBIA BANCORP, 

INC.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Third Quarter of 2010 (July 1, 2010 - September 30, 2010)

Institution Location

AUBURNBANK AUBURN, ALABAMA

CAPSTAR BK NASHVILLE, TENNESSEE

FIRST FARMERS & MRCH B COLUMBIA, TENNESSEE

FIRST NAVY BK PENSACOLA, FLORIDA

FIRST S BK BOCA RATON, FLORIDA

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

Federal Reserve Bank of Chicago

Filings received during the week ending May 22, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Central State Bank, Elkader, Iowa, to merge with 

Corridor State Bank, Coralville, Iowa. As a 

result of the merger, Central State Bank, will 

establish a branch office at 2530 Corridor Way, 

Coralville, Iowa and 202 N Linn Street, Iowa 

City, Iowa.

CENTRAL STATE BANK

Newspaper:

Federal Register:

* 3A1 06/07/2010

05/21/2010

Chestnut Bancorp, Inc., Chestnut, Illinois, to 

become a bank holding company by acquiring 

100 percent of the voting shares of Bank of 

Chestnut, Chestnut, Illinois.

CHESTNUT BANCORP, INC

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Choice Bancorp, Inc., Oshkosh, Wisconsin, to 

become a bank holding company by acquiring 

100 percent of the voting shares of Choice 

Bank, Oshkosh, Wisconsin.

CHOICE BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

06/04/2010

Commercial Bancshares Corporation, Frontenac, 

Missouri, to become a bank holding company 

by acquiring 25 percent or more of the voting 

shares of Centrust Financial, Inc., Northbrook, 

Illinois, and thereby indirectly acquire Centrust 

Bank, N.A., Northbrook, Illinois.

COMMERCIAL BANCSHARES 

CORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

Not available

NC Bancorp, Inc., Chicago, Illinois, to continue 

to engage de novo in making, acquiring, 

brokering or servicing loans or other extensions 

of credit.

NC BANCORP, 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

 2044811 WHEATON B&TC, WHEATON, ILLINOIS 10/19/2009 05/10/2010 S Large Bank

CRA Examinations scheduled for Third Quarter of 2010 (July 1, 2010 - September 30, 2010)

Institution Location

ALLY FNCL DETROIT, MICHIGAN

BANK IA ALTOONA, IOWA

CHELSEA ST BK CHELSEA, MICHIGAN

CITIZENS BK FLINT, MICHIGAN

COMMERCIAL SVG BK CARROLL, IOWA

FIRST CMNTY B&TC BEECHER, ILLINOIS

FIRST MIDWEST BK ITASCA, ILLINOIS

HSBC FNC CORP METTAWA, ILLINOIS

INDEPENDENT BK IONIA, MICHIGAN

IOWA ST BK HULL, IOWA

LAKE FOREST B&TC LAKE FOREST, ILLINOIS

LIBERTYVILLE B&TC LIBERTYVILLE, ILLINOIS

NORTH SHORE CMNTY B&TC WILMETTE, ILLINOIS

PRIVATEBANK MTG CO LLC CHICAGO, ILLINOIS

STATE BK THE LAKES ANTIOCH, ILLINOIS

TEMPLETON SVG BK TEMPLETON, IOWA

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

Federal Reserve Bank of St. Louis

Filings received during the week ending May 22, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC

Not available

Notice by the Green Family Control Group, to 06/01/2010

retain control of West Plains Investors, Inc., 

Jacksonville, Illinois. The Green Family Control 

Group consists of Ramon J. and Beverly J. 

Green (as trustees), Springfield, Illinois; Todd C. 

Green, Springfield, Illinois; Jeffrey J. Green, 

Peoria, Illinois; Jill A. Green (as trustee), East 

Moline, Illinois; Gail A. Green (as trustee), 

Peoria, Illinois; and Green Enterprises, LP, 

Springfield, Illinois.

WEST PLAINS INVESTORS, INC.

* 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

 2785646 OLD MISSOURI BK, SPRINGFIELD, MISSOURI 01/25/2010 05/12/2010 S Small Bank

 497851 SECURITY BK, NEWBERN, TENNESSEE 01/11/2010 04/29/2010 O Small Bank

 543253 SOUTHWEST BK AN M&I BK, SAINT LOUIS, MISSOURI 02/16/2009 01/12/2010 O Large Bank

CRA Examinations scheduled for Third Quarter of 2010 (July 1, 2010 - September 30, 2010)

Institution Location

BANK OF BUFFALO BUFFALO, KENTUCKY

BANKERS BK OF KY FRANKFORT, KENTUCKY

FIRST BK CREVE COEUR, MISSOURI

LINDELL B&TC SAINT LOUIS, MISSOURI

PROVIDENCE BK COLUMBIA, MISSOURI

SOUTHERN COMMERCIAL BK SAINT LOUIS, MISSOURI

STATE BK OF LIMA LIMA, ILLINOIS

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending May 22, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

06/21/2010

215 Holding Company, to acquire 100 percent of 

White Rock Bank, Cannon Falls, Minnesota.

215 HOLDING CO.

Newspaper:

Federal Register:

CIC 05/25/2010

05/25/2010

Notice by Peter Paul Bell, Lake Forest, Illinois to 

acquire 10 percent or more of the shares of Lake 

Shore Wisconsin Corporation, Kohler, 

Wisconsin, and thereby indirectly gain control 

of Hiawatha National Bank, Hager City, 

Wisconsin.

LAKE SHORE WISCONSIN 

CORPORATION

Newspaper:

Federal Register:

CIC 06/02/2010

06/04/2010

Notice by the Hensley Family Limited 

Partnership of Kalispell, Montana, to retain 

control of Valley Bancshares, Inc., Kalispell, 

Montana, and thereby indirectly retain control 

of Valley Bank of Kalispell, Montana.

VALLEY BANCSHARES, INC.

Newspaper:

Federal Register:

4c8 Not applicable

06/21/2010

Waumandee Bancshares, Ltd., Waumandee, 

Wisconsin, requests retroactive approval to 

acquire 100% of Waumandee Insurance 

Services, Inc., Waumandee, Wisconsin, and 

thereby indirectly engage in insurance agency 

activities, in a place with a population not 

exceeding 5,000.

WAUMANDEE BANCSHARES, 

LTD.

* 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

 619457 FLINT CREEK VALLEY BK, PHILIPSBURG, MONTANA 01/04/2010 05/14/2010 S Small Bank

 240459 STATE BK OF EWEN, EWEN, MICHIGAN 01/05/2010 04/22/2010 S Small Bank

CRA Examinations scheduled for Third Quarter of 2010 (July 1, 2010 - September 30, 2010)

Institution Location

BIG SKY WESTERN BK BOZEMAN, MONTANA

DACOTAH BK ABERDEEN, SOUTH DAKOTA

FIRST BK BLUE EARTH BLUE EARTH, MINNESOTA

FIRST WESTERN B&TC MINOT, NORTH DAKOTA

PENINSULA BK ISHPEMING, MICHIGAN

PEOPLES ST BK OF PLAINVIEW PLAINVIEW, MINNESOTA

SUPERIOR BK SUPERIOR, WISCONSIN

VALLEY BK GLASGOW GLASGOW, MONTANA

YELLOWSTONE BK LAUREL, MONTANA

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

Federal Reserve Bank of Kansas City

Filings received during the week ending May 22, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 2010 (July 1, 2010 - September 30, 2010)

Institution Location

AMERICAN BK OF BAXTER SPRINGS BAXTER SPRINGS, KANSAS

AMERICAN HERITAGE BK SAPULPA, OKLAHOMA

AMERICAS CMNTY BK BLUE SPRINGS, MISSOURI

BANK OF BLUE VALLEY OVERLAND PARK, KANSAS

BANK OF HARTINGTON HARTINGTON, NEBRASKA

CNB COMNTY BK GREELEY, NEBRASKA

FARMERS ST BK QUINTON, OKLAHOMA

FIRST NE BK VALLEY, NEBRASKA

FIRST ST BK IN TEMPLE TEMPLE, OKLAHOMA

FIRST ST BK OF HOTCHKISS HOTCHKISS, COLORADO

FIVE POINTS BK GRAND ISLAND, NEBRASKA

MONTROSEBANK MONTROSE, COLORADO

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

Federal Reserve Bank of Dallas

Filings received during the week ending May 22, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC

Not available

Notice by Thomas L. Rees, Colorado City, 04/13/2010

Texas, to apply to the Federal Reserve Board for 

permission to retain 10% or more of the shares, 

and thereby control of City National 

Bancshares, Inc., and indirectly control its 

subsidiary, The City National Bank of Colorado 

City, both of Colorado City, Texas.

CITY NATIONAL BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A1 06/10/2010

06/11/2010

Connemara Bancorp, Inc., Dallas, Texas, to 

become a bank holding company by acquiring 

100 percent of First Amherst Bancshares, Inc., 

Amherst, Texas, and indirectly acquire First 

National Bank, Amherst, Texas.

CONNEMARA BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 06/11/2010

06/18/2010

Icon Capital Corporation, Houston, Texas, to 

become a bank holding company by acquiring 

100 percent of Icon Bank of Texas, N. A., 

Houston, Texas.

ICON CAPTIAL CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

06/18/2010

Texas Banc Financial Corporation, Fort Worth, 

Texas, to acquire up to 100% of the voting 

shares of The Bank, Weatherford, Texas.

TEXAS BANC FINANCIAL 

CORPORATION

* 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 2010 (July 1, 2010 - September 30, 2010)

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 22, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Anchor Bancorp, Inc., Lacey, Washington, to 

become a bank holding company by acquiring 

100 percent of Anchor Mutual Savings Bank, 

Aberdeen, Washington, upon conversion from 

a mutual savings bank to a stock savings bank.

ANCHOR BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management, LLC, Carpenter Community 

Bancfund, L.P., Carpenter Community 

Bancfund-A, LP, Carpenter Community 

Bancfund-CA, L.P., SCJ, Inc., and CCFW, Inc., 

all of Irvine, California, to acquire up to 35 

percent of the outstanding voting shares of 

Bridge Capital Holdings and thereby indirectly 

acquire a greater controlling interest in Bridge 

Bank, N.A., both of San Jose, California.

CARPENTER COMMUNITY 

BANCFUND-A, L.P.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Castle Creek Capital Partners III, LP, Castle 

Creek Capital III LLC, Eggemeyer Capital LLC, 

Ruh Capital LLC, and Legions IV Advisory 

Corp, all of Rancho Santa Fe, CA, to increase 

their interest in First Chicago Bancorp, Chicago, 

Illinois, from 46.6% up to 85% of voting shares, 

pursuant to Section 3(a)(3) of the Bank Holding 

Company Act.

CASTLE CREEK CAPITAL 

PARTNERS III, L.P.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Franklin Resources, Inc., San Mateo, California 

to make a 9.90% investment in North American 

Financial Holdings, Jacksonville, Florida.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

04/08/2010

One Main Street, LLC, and One Main Street 

Management, LLC, both of New York, New 

York, to become bank holding companies by 

acquiring 100 percent of Liberty Bank, Inc., Salt 

Lake City, Utah.

ONE MAIN STREET, LLC

Newspaper:

Federal Register:

* 3A1 Not available

04/27/2010

SKBHC Holdings, LLC, Corona del Mar, 

California, to become a bank holding company 

by acquiring 100 percent of Starbuck 

Bancshares, Inc. and thereby indirectly the First 

National Bank of Starbuck, both of Starbuck, 

Minnesota.

SKBHC HOLDINGS, LLC

Newspaper:

Federal Register:

CIC Not available

05/26/2010

Thomas H. Lee Equity Fund VI, L.P., Thomas H. 

Lee Parallel Fund VI, L.P., Thomas H. Lee 

Parallel (DT) Fund VI, L.P., and THL Sterling 

Equity Investors, L.P., all of Boston, 

Massachusetts, to acquire up to 24.9% of the 

outstanding shares of Sterling Financial 

Corporation, Spokane, Washington, and 

thereby indirectly acquire control of Sterling 

Savings Bank, Spokane, Washington, and Golf 

Savings Bank, Mountlake Terrace, Washington.

STERLING FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Hilario John Arguinchona and Karen 

Arguinchona for retroactive approval to retain 

31.82 percent control of Syringa Bancorp, and 

thereby retain control of Syringa Bank, both of 

Boise, Idaho.

SYRINGA BANCORP

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

Federal Reserve Bank of San Francisco

Filings received during the week ending May 22, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

06/01/2010

U & I Financial Corporation to become a Bank 

Holding Company by acquiring 100 percent of 

UniBank, both of Lynnwood, Washington.

U & I FINANCIAL CORP.

* 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

 160360 OREGON PAC BKG CO DBA OR PAC, FLORENCE, OREGON 01/25/2010 05/06/2010 S Small Bank

CRA Examinations scheduled for Third Quarter of 2010 (July 1, 2010 - September 30, 2010)

Institution Location

CACHE VALLEY BK LOGAN, UTAH

HANMI BK LOS ANGELES, CALIFORNIA

MARLIN BUS BK SALT LAKE CITY, UTAH

NORTH VALLEY BK REDDING, CALIFORNIA

UNITED SCTY BK FRESNO, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act