Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 18 

Week Ending May 1, 2010

Board of Governors of the Federal Reserve System, Washington, DC 20551
Bank Mergers

Banco Popular de Puerto Rico, Hato Rey, Puerto Rico -- to acquire assets and assume 

liabilities of Westernbank Puerto Rico, Mayaguez, and thereby establish branches.

- Approved, April 29, 2010

Personnel

Office of Inspector General -- appointment of Jacqueline M. Becker as assistant 

inspector general and Laurence A. Froehlich as special adviser to the inspector 

general.

- Announced, April 26, 2010

Regulations and Policies

Correspondent Concentration Risks -- final interagency guidance on managing 

concentration risks from correspondent banking relationships.

- Approved, April 26, 2010

Regulation D (Reserve Requirements of Depository Institutions) -- final amendments 

to authorize Federal Reserve Banks to offer term deposits to institutions eligible to 

receive earnings on their balances in accounts at Reserve Banks, and minor 

amendments to the Policy on Payment System Risk to address transactions associated 

with term deposits.

- Approved, April 21, 2010

(A/C)

Enforcement

Coast Bancorp, San Luis Obispo, California -- written agreement with the Federal 

Reserve Bank of San Francisco.

- Announced, April 29, 2010

H.2 Board Actions April 25, 2010 to May 1, 2010

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

East Dubuque Bancshares, Inc., East Dubuque, Illinois, and East Dubuque Savings 

Bank, Dubuque, Iowa -- written agreement with the Federal Reserve Bank of 

Chicago.

- Announced, April 26, 2010

FMB Equibanc, Inc., Statesboro, Georgia -- written agreement with the Federal 

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

- Announced, April 29, 2010

Liberty Financial Group, Inc., Eugene, 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, April 27, 2010

Sun West Capital Corporation, Las Vegas, Nevada -- written agreement with the 

Federal Reserve Bank of San Francisco.

- Announced, April 27, 2010

H.2 Board Actions April 25, 2010 to May 1, 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

April 25, 2010 to May 1, 2010

Bank Branches, Domestic

Orange County Trust Company, Middletown, New York -- to establish a branch at 

78 North Plank Road, Newburgh.

New York

- Approved, April 30, 2010

Bank Holding Companies

First National Management Group, LLC, Greenwood Village, Colorado -- to become 

a bank holding company and to acquire shares of Amoret Bancshares, Inc., Butler, 

Missouri, and thereby acquire BC National Banks.

Kansas City

- Withdrawn, April 30, 2010

Icon Capital Corporation, Houston, Texas -- to become a bank holding company and 

to acquire Icon Bank of Texas, N. A., Houston.

Dallas

- Withdrawn, April 27, 2010

North Asia Investment Corporation, Seoul, Korea -- to become a bank holding 

company and to acquire Pacific City Financial Corporation, Los Angeles, California, 

and Pacific City Bank.

San Francisco

- Withdrawn, April 29, 2010

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

R&G Financial Corporation, San Juan, Puerto Rico, and R-G Premier Bank of Puerto 

Rico, Hato Rey -- request for an exemption from section 23A of the Federal Reserve 

Act and Regulation W to allow R-G Premier Bank of Puerto Rico to acquire its 

affiliate, R&G Mortgage Corporation, San Juan.

Director, BS&R

- Granted, April 29, 2010

SmartFinancial, Inc., Pigeon Forge, Tennessee -- to become a bank holding company 

and to acquire SmartBank, Pigeon Forge.

Atlanta

- Approved, April 30, 2010

WestBridge Bancshares, Inc., Chesterfield, Missouri -- to become a bank holding 

company and to acquire WestBridge Bank & Trust Company, Chesterfield, and to 

acquire certain assets and assume certain liabilities of FTL Finance, St. Louis, and 

thereby engage in extending credit and servicing loans and activities related to 

extending credit.

St. Louis

- Withdrawn, April 26, 2010

Change in Bank Control

Communitycorp, Walterboro, South Carolina -- to retain control of Communitycorp 

and its subsidiary bank, Bank of Walterboro, Walterboro.

Richmond

- Permitted, April 30, 2010

H.2 Actions under delegated authority April 25, 2010 to May 1, 2010

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

F.S.B. Properties, Inc., Quinton, Oklahoma -- change in bank control of F.S.B. and 

its subsidiary bank, Farmers State Bank, Quinton.

Kansas City

- Withdrawn, April 26, 2010

First Michigan Bancorp, Inc., Troy, Michigan -- change in bank control of First 

Michigan and its subsidiary bank, First Michigan Bank, Troy.

Chicago

- Permitted, April 29, 2010

NBG Bancorp, Inc., Athens, Georgia -- change in bank control of NBG and its 

subsidiary bank, National Bank of Georgia, Athens.

Atlanta

- Permitted, April 29, 2010

Southern Missouri Bancorp, Inc., Poplar Bluff, Missouri -- change in bank control of 

Southern Missouri and its subsidiary bank, Southern Bank, Poplar Bluff.

St. Louis

- Permitted, April 26, 2010

Extensions of Time

Peoples Community Bank, Montross, Virginia -- extension to November 10, 2010, to 

establish a branch at 5082 James Madison Parkway, King George.

Richmond

- Granted, April 27, 2010

H.2 Actions under delegated authority April 25, 2010 to May 1, 2010

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

Citibank, N.A., Las Vegas, Nevada, and Citibank Overseas Investment Corporation, 

New Castle, Delaware -- waiver of remainder of notification period to invest in Citi 

Hedge Fund Services (Ireland) Limited, Dublin, Ireland, and Citi Fund Services 

(Ireland) Limited, and to engage in mutual fund administration activities.

Director, BS&R

- Granted, April 30, 2010

H.2 Actions under delegated authority April 25, 2010 to May 1, 2010

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

Federal Reserve Bank of Boston

Filings received during the week ending May 1, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Application by Connecticut Bank and Trust 

Company, 58 State House Square, Hartford, 

Connecticut, to establish a de novo branch 

office at 114 Woodland Street, Hartford, 

Connecticut, pursuant to section 9 of the 

Federal Reserve Act and section 208.6 of 

Regulation H.

CONNECTICUT BANK & TRUST 

COMPANY, THE

* 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 May 1, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

BNP Paribas, Paris, France, to establish an 

additional branch office in New York, New York, 

pursuant to Section 10(a) of the International 

Banking Act of 1978, as amended, and Section 

211.24(a)(2)(i)(A) of Regulation K.

BNP PARIBAS

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citigroup Inc., New York, New York, pursuant to 

Section 211.9(f) of Regulation K, to make an 

additional investment in Guangdong 

Development Bank Co., Ltd., Guangzhou, China.

CITIGROUP INC.

Newspaper:

Federal Register:

CIC 05/10/2010

05/11/2010

Notice by GAP V Bankvest, LLC, Greenfield 

Acquisition Company V, LLC, Greenfield 

Acquisition Partners V, LP, GAP V 

Management, LLC, Greenfield Partners, LLC, all 

of South Norwalk, Connecticut, and Eugene A. 

Gorab, Fairfield, Connecticut, to gain direct 

control of Alcar LLC, New York, New York, and 

indirect control of Darien Rowayton Bank, 

Darien, Connecticut.

GREENFIELD ACQUISITION 

COMPANY L.L.C.

* 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 May 1, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

05/28/2010

The Bancorp, Inc., Wilmington, DE, to acquire 

Bancorp Federal Savings Bank, a de novo in 

formation, Mount Laurel, NJ.

BANCORP, INC., THE

Newspaper:

Federal Register:

CIC 05/12/2010

05/11/2010

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., and 

Messrs. Ira M. Lubert, W. Kirk Wycoff and 

James J. Lynch, all of Philadelphia, 

Pennsylvania, to purchase up to 19.9 percent of 

Florida Business Bancgroup, Inc., Tampa, FL.

PATRIOT FINANCIAL 

PARTNERS LP

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 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 May 1, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC

Not available

Notice of Change in Bank Control filed by 05/11/2010

Hometown Bancshares, Inc. 401(k) Profit 

Sharing Plan (Tammy Rae Waggoner, Trustee), 

Middlebourne, WV to retain control of 10.77 

percent of the outstanding voting shares of 

Hometown Bancshares, Inc., Middlebourne, 

WV.

HOMETOWN BANCSHARES, 

INC.

* 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 May 1, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/19/2010

David Muldrow Beasley, Society Hill, South 

Carolina, to individually retain 27.05% of the 

voting shares of First Carolina Bancshares 

Corporation, Darlington, South Carolina. 

Additionally, David Muldrow Beasley, Henry 

Wesley Beasley, Richard Lewis Beasley, and 

Richard Lee Beasley, as a group acting in 

concert, to retain 71.04% of the voting shares of 

First Carolina Bancshares Corporation, 

Darlington, South Carolina.

FIRST CAROLINA 

BANCSHARES CORPORATION

Newspaper:

Federal Register:

CIC 05/09/2010

05/11/2010

Irving Schwarzbaum, West Orange, New Jersey, 

individually and as a member of a group 

comprised of Elisa Schwarzbaum, West Orange, 

New Jersey, Michelle Schwarzbaum, West 

Orange, New Jersey, Shelly Schwarzbaum, 

Rehovot, Israel, David Schwarzbaum, Rehovot, 

Israel, Arye Schwarzbaum, Rehovot, Israel, Yair 

Schwarzbaum, Rehovot, Israel, Henry 

Schwarzbaum, Rehovot, Israel, and Leonard 

Schwarzbaum, Scarsdale, New York, acting in 

concert, to acquire up to 14.1% of the voting 

shares of First Mariner Bancorp, Baltimore, 

Maryland.

FIRST MARINER BANCORP

Newspaper:

Federal Register:

CIC Not available

05/04/2010

Robert E. Dye, Jr., Lane W. Dye, Alexander C. 

Dye, Amy S. Dye, Brenda W. Dye, Devon A. 

Young, Cassi A. Young, and Taylor W. Young, 

all of Easley, South Carolina; with Gary G. 

Wells, Helen T. Wells, and the Joe A. Young 

Trust, of Greenville, South Carolina, and other 

family members as a group acting in concert to 

retain 14.78% control of Peoples 

Bancorporation, Inc., Easley, South Carolina.

PEOPLES BANCORPORATION, 

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

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 May 1, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Bank of Erath Holding Company, notice to 

become a bank holding company by acquiring 

100 percent of the outstanding shares of Bank 

of Erath, both of Erath, Louisiana.

BANK OF ERATH HOLDING 

COMPANY

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending May 1, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

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:

* 3A5

* 18C

* Branch

05/11/2010

05/14/2010

Hometown Community Bancorp, Inc. Employee 

Stock Ownership Plan and Trust and Hometown 

Community Bancorp, Inc., both located in 

Morton, Illinois, to merge with TSB Financial, 

Inc., Tremont, Illinois, and thereby indirectly 

acquire Tremont Savings Bank, Tremont, 

Illinois, and the related application by Morton 

Community Bank, Morton, Illinois, to merge 

with Tremont Savings Bank, Tremont, Illinois, 

and thereby to establish two branches.

HOMETOWN COMMUNITY 

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

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 May 1, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

Not available

Soteria Financial Group, Inc., Henderson, 05/22/2010

Kentucky, to become a bank holding company 

by acquiring 100 percent of The Bank of 

Henderson, Inc., Henderson, Kentucky.

Soteria Financial Group, 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

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 May 1, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 May 1, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

First National Bank & Trust of Fullerton (to be 

known as First Bank & Trust of Fullerton, 

Fullerton, Nebraska, to convert from a national 

to a state chartered bank and retain its 

membership with the Federal Reserve.

FIRST NATIONAL BANK AND 

TRUST OF FULLERTON

* 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 May 1, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Dallas, Texas, to establish a 

branch at 2727 Fort Worth Avenue, Dallas, 

Texas 75211.

COMERICA BANK

Newspaper:

Federal Register:

* 3A3 Not available

05/27/2010

Independent Bank Group, Inc., McKinney, 

Texas, to acquire 100 percent of Town Center 

Bank, McKinney, Texas.

INDEPENDENT BANK GROUP, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Specialty Bancor, Inc., Austin, Texas, to become 

a bank holding company by acquiring 100 

percent of Community State Bank, Austin, 

Texas.

SPECIALTY BANCOR, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not available

TLCM Holdings, LLC, Richardson, Texas, and 

EJ Financial Corporation, Dallas, Texas, to 

engage de novo in extending credit and 

servicing loans pursuant to Section 225.28(b)(1) 

of Regulation Y. The activities will be 

conducted at EJ Financial Corporation, Dallas, 

Texas.

TLCM HOLDINGS, LLC

* 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 May 1, 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:

* 3A1

Not available

North Asia Investment Corporation, Seoul, 04/15/2010

Korea, to become a bank holding company by 

acquiring 100 percent of Pacific City Financial 

Corporation, and indirectly its subsidiary, 

Pacific City Bank, both of Los Angeles, 

California.

NORTH ASIA INVESTMENT 

CORPORATION

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:

* 3A1 Not available

Not available

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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act