Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 6 

Week Ending February 5, 2011

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

Commercial Real Estate -- statement by Patrick M. Parkinson, director, Division of 

Banking Supervision and Regulation, before the Congressional Oversight Panel on 

the current state of commercial real estate finance and its relationship to the stability 

of the financial system.

- Published, February 4, 2011

Monetary and Financial Policy

Term Deposit Facility -- TDF auction of $5 billion in 28-day term deposits on 

February 7, 2011.

- Announced, February 3, 2011

Regulations and Policies

Regulation Z (Truth in Lending) -- notice that the Board does not expect to finalize 

three pending rulemakings under Regulation Z (Docket Nos. R-1366, R-1367, and 

R-1390) before the transfer of rulemaking authority to the Consumer Financial 

Protection Bureau.

- Announced, February 1, 2011

Reporting Requirements for Savings and Loan (S&L) Holding Companies -- 

publication for comment of notice of intent to require S&L holding companies to 

submit the same reports as bank holding companies, beginning with the March 31, 

2012, report date, pursuant to the transfer of supervisory functions for S&L holding 

companies to the Board under the Dodd-Frank Act.

- Approved, January 28, 2011

(A/C)

Enforcement

Cokato Bancshares, Inc., Cokato, Minnesota -- written agreement with the Federal 

Reserve Bank of Minneapolis.

- Announced, February 1, 2011

H.2 Board Actions January 30, 2011 to February 5, 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 Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSD Office of Staff Director

January 30, 2011 to February 5, 2011

Bank Holding Companies

C.S.B. Co., Cozad, Nebraska -- waiver of application to acquire FNS, Inc., Schuyler, 

and its subsidiary bank, First National Bank, in connection with First National's 

merger with and into C.S.B.'s subsidiary bank, Homestead Bank, Cozad.

Kansas City

- Granted, February 4, 2011

First National Bancorp, Inc., Green Forest, Arkansas -- to acquire additional shares of 

Legacy National Bank, Springdale.

St. Louis

- Approved, February 3, 2011

FNB Bancshares, Inc., Sycamore, Ohio -- to become a bank holding company and to 

acquire First National Bank of Sycamore, Sycamore.

Cleveland

- Approved, January 31, 2011

Bank Mergers

Northbrook Bank & Trust Company, Northbrook, Illinois -- to purchase certain 

assets and assume certain liabilities of Community First Bank-Chicago, Chicago, and 

thereby establish a branch at 7555 North Western Avenue.

Chicago

- Approved, February 3, 2011

(A/C) = Addition or Correction Delegated - 1 of 3
Banks, Foreign

Caja de Ahorros y Monte de Piedad de Navarra, Pamplona, Spain -- to establish a 

representative office in Washington, D.C.

Richmond

- Withdrawn, February 3, 2011

Change in Bank Control

First Advantage Bancshares, Inc., Coon Rapids, Minnesota -- change in bank control 

of First Advantage and its subsidiary bank, First Advantage Bank, Coon Rapids.

Minneapolis

- Permitted, February 3, 2011

Independence Bancshares, Inc., Independence, Iowa -- to retain control of 

Independence and its subsidiary banks, Security State Bank, Independence, and 

Northeast Security Bank, Sumner.

Chicago

- Permitted, February 3, 2011

SBT Bancshares, Inc., Dallas, Texas -- change in bank control of SBT and its 

subsidiary bank, State Bank of Texas, Dallas.

Dallas

- Permitted, February 4, 2011

Extensions of Time

Central Bancshares, Inc., Little Rock, Arkansas -- extension to May 3, 2011, to 

become a bank holding company and to acquire Central Bank, Little Rock.

St. Louis

- Granted, February 3, 2011

H.2 Actions under delegated authority January 30, 2011 to February 5, 2011

(A/C) = Addition or Correction Delegated - 2 of 3
Membership

Reading Co-operative Bank, Reading, Massachusetts -- to become a member of the 

Federal Reserve System.

Boston

- Approved, February 1, 2011

H.2 Actions under delegated authority January 30, 2011 to February 5, 2011

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

Federal Reserve Bank of Boston

Filings received during the week ending February 5, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

First Connecticut Bancorp, Inc., Farmington, 

Connecticut to acquire 100% of the outstanding 

capital stock of Farmington Bank, Farmington, 

Connecticut, pursuant to section 3(a)(1) of the 

BHC Act, in connection with the conversion of 

the holding company from mutual to stock form.

First Connecticut Bancorp, Inc.

* 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 5, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banca Popolare di Vicenza S.C.p.A, Vicenza, 

Italy, to establish a representative office in New 

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

(1) of Regulation K.

BANCA POPOLARE VICENZA 

SCPAARL

Newspaper:

Federal Register:

4c8 Not applicable

02/18/2011

Hana Financial Group Inc., Seoul, Korea, to 

acquire a controlling interest in Korea Exchange 

Bank, Seoul, Korea ("KEB"), and thereby 

engage indirectly through KEB's U.S. 

nonbanking subsidiaries in certain lending 

activities.

HANA FINANCIAL GROUP INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Orange County Trust Company, Middletown, 02/16/2011

New York, to establish a branch office located at 

1166 Main Street, Fishkill, New York.

ORANGE COUNTY 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 5, 2011

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending February 5, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC

Not available

Notice of Change in Bank Control by the Snyder 02/28/2011

Control Group to acquire an additional 41.1 

percent of the outstanding voting shares of 

Nextier, Inc., Butler, PA resulting in a 51.0 

percent controlling ownership interest.

NEXTIER INCORPORATED

* 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 5, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banca Civica, S.A., Madrid, Spain, to establish a 

representative office in Washington, D.C.

BANCA CIVICA, S.A.

Newspaper:

Federal Register:

* Branch

Not applicable

Community Capital Bank of Virginia, 02/11/2011

Christiansburg, Virginia, proposes to establish a 

branch located at 100 West Franklin Street, 

Richmond, Virginia.

COMMUNITY CAPITAL BANK 

OF VIRGINIA

Newspaper:

Federal Register:

CIC Not available

02/18/2011

Notice by Mr. Mehrdad Elie of Redwood City, 

California, to individually acquire up to 32%, 

and as a group acting in concert with Mr. 

Mesfin Ayenew, Potomac, Maryland; Mr. David 

P. Como, Napa, California; Mr. Charles 

Turnbaugh, Baltimore, Maryland; Mr. Robert L. 

Gossard, Burlinggame, California; and Mr. 

Terrance M. Davis, Dillon Beach, California, to 

acquire in aggregate up to 41% of the voting 

securities of HarVest BanCorp, Inc., 

Gaithersburg, Maryland, and indirectly acquire 

shares of HarVest Bank of Maryland, Rockville, 

Maryland.

HARVEST BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Mr. Richard T. Spurzem, Charlottesville, 

Virginia, to individualy retain 10.02% and 

together with Sandbox, LLC to retain 10.05% of 

of the outstanding shares of Pioneer 

Bankshares, Inc., Stanley, Virginia

PIONEER BANKSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Virginia Heritage Bank, Fairfax, Virginia, to 02/14/2011

establish a branch located at 45745 Nokes 

Boulevard, Dulles, Virginia

VIRGINIA HERITAGE BANK

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 8631 PLEASANTS CTY BK, SAINT MARYS, WEST VIRGINIA 10/04/2010 01/18/2011 S Small Bank

 417626 PUTNAM CTY BK, HURRICANE, WEST VIRGINIA 10/18/2010 01/20/2011 S Int Sm Bank

 693224 UNION FIRST MKT BK, RICHMOND, VIRGINIA 09/13/2010 01/26/2011 S Large Bank

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 5, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

03/07/2011

The BANKshares, Inc., Winter Park, Florida, to 

merge with The Commercial Bancorp, Inc., and 

its subsidiary, East Coast Community Bank, 

both of Ormond Beach, Florida.

BANKSHARES, INC., THE

Newspaper:

Federal Register:

CIC Not available

02/11/2011

After-the-fact change in control notice filed by 

Thomas Dunlap Lumpkin II, and Peyton White 

Lumpkin, Pinecrest, Florida, to retain 10.51 

percent of the outstanding shares of Biscayne 

Bancshares, Inc. and its subsidiary bank, 

Biscayne Bank, both of Coconut Grove, Florida.

BISCAYNE BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 Not available

03/07/2011

Hancock Holding Company, Gulfport, 

Mississippi, to merge with Whitney Holding 

Corporation, and its subsidiary, Whitney 

National Bank, both of New Orleans, Louisiana.

HANCOCK HOLDING COMPANY

Newspaper:

Federal Register:

* 3A1 Not available

02/28/2011

Peoples Bancshares, Inc., to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of People Bank, both of 

Mendenhall, Mississippi.

PEOPLES BANCSHARES, INC.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending February 5, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/23/2010

Notice by Betty J. Bradshaw 2000 Irrevocable 

Trust dated 10/30/00, Charles M. Shea, as 

Trustee, and Molly Boed, as committee member 

of the Betty Bradshaw 2000 Irrevocable Trust 

dated 10/30/00, to acquire control of First 

Community Bancshares Corp., Anamosa, Iowa, 

and thereby indirectly acquire control of First 

Community Bank, Milton, Wisconsin and 

Citizens Savings Bank, Anamosa, Iowa.

FIRST COMMUNITY 

BANCSHARES CORP.

Newspaper:

Federal Register:

CIC Not available

02/24/2011

Notice by Jennifer Wells Steans, Evanston, 

Illinois, Heather Steans and Robin Steans, 

Chicago, Illinois, as trustee of The Steans 1996 

Family Trust; The Steans 1996 Family Trust, 

Chicago, Illinois; Trilogy Investment Group, 

LLC, Chicago, Illinois; Adeline Steans 

Morrison, Lake Forest, Illinois; Helen Harrison 

Morrison, Washington, D.C.; Lois Langdon 

Morrison, Chicago, Illinois; Justin William 

Daab, Chicago, Illinois; Margot Morrison 

Brinley, Charlotte, North Carolina; Charles 

Edward Brinley, Charlotte, North Carolina, Amy 

Morrison Heinrich, Grayslake, Illinois; 

Foursquare Investments, LLC, Chicago, Illinois; 

Thomas Benton Hunter IV, Lake Forest, Illinois; 

Willard Morrison Hunter, Lake Bluff, Illinois, 

individually and as custodian for Willard K. 

Hunter; Benjamin James Hunter, Chicago, 

Illinois; Peter Morrison Hunter, New York, New 

York; Tscharner de Graffenried Hunter, New 

York, New York; and Thomas Ruffin Hunter, 

Lake Forest, Illinois, to retain and acquire shares 

of Taylor Capital Group, Inc., Rosemont, Illinois, 

and indirectly Cole Taylor Bank, Chicago, 

Illinois, and thereby join the existing Steans 

Family Control Group.

TAYLOR CAPITAL GROUP, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Village Bank and Trust Company, Arlington 02/12/2011

Heights, Illinois, to purchase certain assets and 

assume certain liabilities of a branch located in 

320 East Northwest Highway, Mount Prospect, 

Illinois, from Northbrook Bank & Trust 

Company, Northbrook, Illinois, and thereby to 

establish a branch at the same location.

VILLAGE BANK & TRUST

* 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

 222147 CITIZENS BK, FLINT, MICHIGAN 06/02/2008 12/14/2010 NI Large Bank

 489641 MARKESAN ST BK, MARKESAN, WISCONSIN 05/10/2010 01/24/2011 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending February 5, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Rock Bancshares, Inc., Little Rock, Arkansas, to 

engage in lending activities.

ROCK BANCSHARES, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Summit Bank, Arkadelphia, Arkansas to become 

a member of the Federal Reserve System.

SUMMIT BANK

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending February 5, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/23/2011

Change in Control Notice by Russell Craig Flom, 

Edina, Minnesota, to gain control of Fidelity 

Holding Company, Minnetonka, Minnesota, 

and thereby indirectly gain control of Fidelity 

Bank, Edina, Minnesota.

FIDELITY HOLDING COMPANY

Newspaper:

Federal Register:

CIC Not available

02/01/2011

Notice by Noah W. Wilcox, as an individual and 

as trustee of the Noah W. Wilcox Trust, Grand 

Rapids, Minnesota, to acquire 25 % or more of 

the shares of Wilcox Bancshares, Grand Rapids, 

Minnesota, and thereby indirectly control Grand 

Rapids State Bank, Grand Rapids, Minnesota. 

Additionally, the Noah W. Wilcox trust will 

acquire 10 % or more of Wilcox Bancshares, and 

thus join the Wilcox Family Group, and thereby 

indirectly control Grand Rapids State Bank, 

Grand Rapids, Minnesota.

WILCOX 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

 960159 SUPERIOR BK, SUPERIOR, WISCONSIN 10/12/2010 01/24/2011 S Small Bank

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 5, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

Not applicable

Five Points Bank, Grand Island, Nebraska, to 02/18/2011

purchase certain assets and assume certain 

liabilities of the LaVista, Nebraska branch of 

First State Bank, Gothenberg, Nebraska.

FIVE POINTS BANK

* 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

 132853 COLORADO CMNTY BK, YUMA, COLORADO 10/12/2010 01/20/2011 S Int Sm Bank

 3027763 CORNERSTONE BK, OVERLAND PARK, KANSAS 10/25/2010 01/20/2011 S Small Bank

 152851 FIRST CMNTY BK, EMPORIA, KANSAS 11/01/2010 01/26/2011 S Small Bank

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 5, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/17/2011

Notice by James Edward Campbell; Rick Lane 

Campbell, individually, and as Trustee for the 

Collin McElroy Trust; Angela Lee Koonce, 

individually, and as Trustee for the Collin 

McElroy Trust; and Cameron James McElroy all 

of Center, Texas (the "Campbell Family Group"); 

Aaron Weldon Boles and Lisa Gayle McAdams, 

both of Center, Texas (the "Boles Family 

Group"); Clyde Donald Monroe, Center, Texas; 

and Brenda Monroe Humble, Shelbyville, Texas 

(the "Monroe Family Group"); Sammy Dean 

Dance and Connie Mettauer, both of Center, 

Texas (the "Dance Family Group") (collectively 

"Notificants"), to retain 25 percent or more of 

the shares of, and thereby control of, Shelby 

Bancshares, Inc. and indirectly Shelby Savings 

Bank, SSB, both of Center, Texas.

SHELBY BANCSHARES, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending February 5, 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:

CIC Not available

12/17/2010

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

persons that are acting with or control 

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

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

Capital Partners Offshore, Ltd., ACPO Master, 

Ltd., all of Grand Cayman, Cayman Islands; 

Anchorage Capital Partners, L.P., Anchorage 

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

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

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

Anchorage Capital Management, L.L.C., 

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

Wilmington, Delaware; and Kevin Ulrich and 

Anthony Davis, both of New York, New York, 

to acquire up to 24.9 percent of Central Pacific 

Financial Corp., Honolulu, Hawaii, and thereby 

indirectly acquire control of Bancorp's 

subsidiary, Central Pacific Bank, Honolulu, 

Hawaii; and Central Pacific Corp, Honolulu, 

Hawaii, to appoint Alvaro Jose Aguirre as a 

Director.

CENTRAL PACIFIC 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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act