Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 12 

Week Ending March 24, 2012

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

The European Economic and Financial Situation -- statement by Chairman Bernanke 

before the House Committee on Oversight and Government Reform on the European 

economic and financial situation.

- Published, March 21, 2012

Foreclosures and the Housing Market -- statement by Suzanne G. Killian, senior 

associate director, Division of Consumer and Community Affairs, before the House 

Committee on Oversight and Government Reform on the Board's progress in 

implementing the foreclosure review process and certain enforcement actions.

- Published, March 19, 2012

Regulatory Reform -- statement by Governor Tarullo before the Senate Committee 

on Banking, Housing, and Urban Affairs on the implementation of the Dodd-Frank 

Wall Street Reform and Consumer Protection Act and its international implications.

- Published, March 22, 2012

Bank Holding Companies

Adam Bank Group, Inc., Tampa, Florida -- to acquire Brazos Valley Bank, N. A., 

College Station, Texas.

- Approved, March 20, 2012

Forms

Forms -- final Board review to extend with revision the Survey of Terms of Business 

Lending (FR 2028A), Survey of Terms of Banking Lending to Farmers (FR 2028B), 

and Prime Rate Supplement to the Survey of Terms of Lending (FR 2028S).

- Approved, March 19, 2012

H.2 Board Actions March 18, 2012 to March 24, 2012

(A/C) = Addition or Correction Board - Page 1 of 2
Regulations and Policies

Leveraged Lending -- publication for comment of updated interagency guidance on 

leveraged lending.

- Approved, March 21, 2012

Enforcement

Mid America Bank and Trust Company, Dixon, Missouri -- written agreement dated 

June 8, 2007, terminated March 14, 2012.

- Announced, March 20, 2012

Remer Bancorporation, Inc., Remer, Minnesota -- written agreement with the Federal 

Reserve Bank of Minneapolis.

- Announced, March 22, 2012

H.2 Board Actions March 18, 2012 to March 24, 2012

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

March 18, 2012 to March 24, 2012

MA Monetary Affairs

Bank Branches, Domestic

Bank of Clarke County, Berryville, Virginia -- to establish a branch at 203 Hirst 

Road, Purcellville.

Richmond

- Approved, March 20, 2012

Isabella Bank, Mount Pleasant, Michigan -- to establish a branch at 399 South Main 

Street (M-47), Freeland.

Chicago

- Approved, March 20, 2012

Bank Holding Companies

CRB Group Inc., Teaneck, New Jersey -- to become a bank holding company and to 

acquire Cross River Bank, Teaneck.

New York

- Withdrawn, March 19, 2012

First Volunteer Corporation, Chattanooga, Tennessee -- to merge with Gateway 

Bancshares, Inc., Ringgold, Georgia, and its subsidiary bank, Gateway Bank & Trust.

Atlanta

- Approved, March 23, 2012

Summit Bancshares, Inc., Tulsa, Oklahoma -- to become a bank holding company 

and to acquire Summit Bank, Tulsa.

Kansas City

- Approved, March 19, 2012

(A/C) = Addition or Correction Delegated - 1 of 3
Bank Mergers

Arvest Bank, Fayetteville, Arkansas -- to acquire certain assets and assume certain 

liabilities of Union Bank, Kansas City, Missouri, and thereby establish branches.

St. Louis

- Approved, March 22, 2012

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

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

Chicago

- Approved, March 23, 2012

Change in Bank Control

Franklin Security Bancorp, Inc., Wilkes Barre, Pennsylvania -- change in bank 

control of Franklin Security Bancorp and its subsidiary savings bank, Franklin 

Security Bank, Plains Township.

Philadelphia

- Permitted, March 22, 2012

Lake Central Financial, Inc., Annandale, Minnesota -- change in bank control of 

Lake Central Financial and its subsidiary bank, Annandale State Bank, Annandale.

Minneapolis

- Permitted, March 21, 2012

Rush-Oak Corporation, Chicago, Illinois -- change in bank control of Rush-Oak 

Corporation and its subsidiary bank, Oak Bank, Chicago.

Chicago

- Permitted, March 19, 2012

H.2 Actions under delegated authority March 18, 2012 to March 24, 2012

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

C-B-G, Inc., West Liberty, Iowa -- extension of time to June 21, 2012, to acquire 

additional shares of Washington Bancorp, Washington, and its subsidiary bank, 

Federation Bank.

Chicago

- Granted, March 20, 2012

Financial Holding Companies 

SI Financial Group, Inc., Willimantic, Connecticut -- election to be treated as a 

financial holding company.

Boston

- Effective, March 22, 2012

H.2 Actions under delegated authority March 18, 2012 to March 24, 2012

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

Federal Reserve Bank of Boston

Filings received during the week ending March 24, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* MHC Not available

Conversion

* SLHC 

Formation

04/09/2012

Georgetown Bancorp, MHC, Georgetown, 

Massachusetts proposes to convert to stock 

form and merge with Georgetown Bancorp, Inc., 

Georgetown, Massachusetts, which proposes 

to become a savings and loan holding company 

by acquiring 100 percent of Georgetown 

Savings Bank, Georgetown, Massachusetts.

GEORGETOWN BANCORP, MHC

Newspaper:

Federal Register:

* 3A1 Not available

04/13/2012

Meetinghouse Bancorp, Inc., Dorchester, 

Massachusetts to acquire 100% of the 

outstanding capital stock of Meetinghouse 

Bank, Dorchester, Massachusetts, pursuant to 

section 3(a)(1) of the BHC Act, in connection 

with the conversion of the bank from mutual to 

stock form.

MEETINGHOUSE BANCORP INC

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

State Street Bank and Trust Company and State 

Street International Holdings, both of Boston, 

Massachusetts, seek prior notice pursuant to 

Section 211.9(f) of Regulation K to establish and 

invest in a nominee company in Dublin, Ireland, 

in excess of the aggregate investment limits.

STATE STREET BANK AND 

TRUST COMPANY

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

State Street Bank and Trust Company and State 

Street International Holdings, both of Boston, 

Massachusetts, seek prior notice pursuant to 

Section 211.9(f) of Regulation K to establish and 

invest in a private limited company in Kuala 

Lumpur, Malaysia, in excess of the aggregate 

investment limits.

STATE STREET BANK AND 

TRUST COMPANY

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

State Street Bank and Trust Company and State 

Street International Holdings, both of Boston, 

Massachusetts, seek prior notice pursuant to 

Section 211.9(f) of Regulation K to invest in two 

private companies in Hong Kong, China, in 

excess of the aggregate investment limits.

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 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 March 24, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Canara Bank, Bangalore, India to establish a 

branch in New York, New York, pursuant to 

Section 211.24 of Regulation K.

CANARA BANK

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Danske Bank A/S, Copenhagen, Denmark, to 

establish a branch in New York, New York, 

pursuant to Section 211.24 of Regulation K.

DANSKE BANK A/S

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Five Star Bank, Warsaw, New York, to purchase 

certain assets and assume certain liabilities of 

eight branches of First Niagara Bank N.A., 

Buffalo, New York and HSBC Bank USA N.A., 

McLean, Virginia.

FIVE STAR BANK

* 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 March 24, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/21/2011

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

Financial Partners, L.P., Patriot Financial 

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

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

Patriot Financial Manager, LLC. and Messrs. Ira 

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

all of Philadelphia, Pennsylvania, to purchase 

up to 24.9 percent of Porter Bancorp, Inc., 

Louisville, KY.

PATRIOT FINANCIAL 

PARTNERS LP

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending March 24, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 03/30/2012

branch at 7753 Lem Turner Road, Jacksonville, 

FL.

FIFTH THIRD BANK

* 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 March 24, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 04/08/2012

04/09/2012

First Carolina Financial Services, Inc., Durham, 

North Carolina, to become a bank holding 

company through the acquisition of 95.26% of 

the voting securities of First Carolina State 

Bank, Rocky Mount, North Carolina, and 

95.65% of the voting securities of Pisgah 

Community Bank, Asheville, North Carolina.

FIRST CAROLINA FINANCIAL 

SERVICES, INC.

Newspaper:

Federal Register:

* 3A3

* 18C

* Branch

04/19/2012

04/23/2012

First Community Bancshares, Inc., Bluefield, 

Virginia, to acquire 100% of the voting shares of 

Peoples Bank of Virginia, Richmond, Virginia.

FIRST COMMUNITY 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

04/10/2012

U.S. Immigration Investment Center, LLC, 

Washington, D.C., and Ms. Mahnaz Khazen, as 

its managing director, to acquire up to 24.9% of 

the voting securities of HarVest Bancorp, Inc., 

Gaithersburg, Maryland.

HARVEST BANCORP, INC.

Newspaper:

Federal Register:

* SLHC Not available

Formation 04/19/2012

HomeTrust Bancshares, Inc., Clyde, North 

Carolina, to become a savings and loan holding 

company upon the conversion of HomeTrust 

Bank, Clyde, North Carolina, from a mutual to 

stock form of ownership.

HOMETRUST BANCSHARES, 

INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Main Street Bank, Herndon, Virginia, to 

establish a branch at 727 Elden Street, Herndon, 

Virginia

MAINSTREET 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

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 March 24, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Ategra Capital Partners I, LLC, Vienna, Virginia, 

to become a bank holding company by 

acquiring 29.95 percent of preferred stock of 

Florida Bancshares, Inc., and its subsidiary, 

First National Bank of Pasco, both of Dade City, 

Florida.

Ategra Capital Partners I, LLC

Newspaper:

Federal Register:

Member Not applicable

Not applicable

The Community Bank of East Tennessee, 

Clinton, Tennessee to become a member of the 

Federal Reserve System.

COMMUNITY BANK OF EAST 

TENNESSEE, THE

Newspaper:

Federal Register:

CIC Not available

Not available

Prior change in control notice filed by Ander P. 

and Sandra G. Gibbs, Dade City, Florida, to 

acquire 5,000 shares of series A convertible 

nonvoting preferred stock of Florida 

Bancshares, Inc., Dade City, Florida. The 

preferred shares are convertible into 

approximately 82,107 shares of common stock, 

which will increase Mr. and Mrs. Gibbs? total 

ownership to 136,161 shares of common stock 

or 14.29 percent of the total common stock 

outstanding.

FLORIDA BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 03/18/2012

03/23/2012

United Group of Central Florida II, LLC, 

Longwood, Florida, to become a bank holding 

company by acquiring 16.1 percent of the 

outstanding shares of Citizens Bancorp of 

Oviedo, Inc. and its subsidiary, Citizens Bank of 

Florida, both of Oviedo, Florida.

UNITED GROUP OF CENTRAL 

FLORIDA II, LLC

* 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 March 24, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Ackley State Bank, Ackley, Iowa, to purchase 

certain assets and assume certain deposits of 

the Iowa Falls branch of Liberty BAnk, F.S.B., 

West Des Moines, Iowa, and establish a branch 

at 315 Main Street, Iowa Falls, Iowa.

ACKLEY STATE BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Winifred J. Marquart, Herbert F. 

Johnson III, Samuel C. Johnson III, Odinn R. 

Johnson, Olivia S. Johnson, Conrad W. Leipold, 

Samuel C. Leipold, Michael D. Marquart, 

Samantha G. Marquart, and Isabelle C. Marquart 

as trustee or shareholder for various Johnson 

family trusts and companies (all of Racine, 

Wisconsin) as a group working in concert to 

retain control of Johnson Financial Group, Inc., 

Racine, Wisconsin, and thereby indirectly 

control Johnson Bank, Racine, Wisconsin.

JOHNSON FINANCIAL GROUP, 

INC.

Newspaper:

Federal Register:

* 3A3 04/06/2012

04/13/2012

Minier Financial, Inc. Employee Stock 

Ownership Plan with 401(k) Provisions, Minier, 

Illinois, to increase its ownership of Minier 

Financial, Inc., Minier, Illinois, from 34 percent 

to up to 51 percent, and thereby increase its 

indirect ownership of First Farmers State Bank, 

Minier, Illinois.

MINIER FINANCIAL, INC. 

EMPLOYEE STOCK OWNERSHIP 

PLAN W/401(K) PROVISIONS

Newspaper:

Federal Register:

* Branch

Not applicable

Notice by Northbrook Bank & Trust Company, 03/29/2012

Northbrook, Illinois, to open a branch location 

at 70 West Madison, Chicago, Illinois.

NORTHBROOK BANK & TRUST 

COMPANY

Newspaper:

Federal Register:

CIC Not available

Not available

Frank A. Peplinski, David Peplinski, Jerry 

Peplinski, Jerry Peplinski, as trustee of the 

Peplinski Family 2012 Trust, and the Peplinksi 

Family 2012 Trust, Terry Peplinski, Lynda 

Watchowski, Lauren Peplinski, Crystal Stomack, 

Nicole Peplinski, Brandon Watchowski (all of 

Ubly, Michigan) and certain of their minor 

children as a group acting in concert, to acquire 

25 percent or more of the shares and thereby 

control of Northstar Financial Group, Inc and 

indirectly, Northstar Bank, Bad Axe, Michigan 

and Seaway Community Bank, St, Clair, 

Michigan.

NORTHSTAR FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Lynette Drake, as an individual, Lynette Drake 

as trustee of the Roberts Family, 2012 Trust, and 

the Roberts Family 2012 Trust, Maria Roberts, 

Maria Roberts, as trustee of the Ryan J. Roberts 

Trust, the Ryan J. Roberts Trust, Jeffrey 

Roberts, and Austin Drake (all of Bad Axe, 

Michigan) and certain of their minor children as 

a group acting in concert, to acquire 25 percent 

or more of the shares and thereby control of 

Northstar Financial Group, Inc., and indirectly, 

Northstar Bank, Bad Axe, Michigan, and 

Seaway Community Bank, St, Clair, Michigan.

NORTHSTAR FINANCIAL 

GROUP, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending March 24, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

PSB Holdings, Inc., Wausau, Wisconsin, to 

acquire 100 percent of the outstanding capital 

stock of Marathon State Bank, Marathon, 

Wisconsin.

PSB HOLDINGS, 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

 539340 DEMOTTE ST BK, DEMOTTE, INDIANA 10/10/2011 03/15/2012 S Int Sm 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 March 24, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

Not available

Cooper Investments, Inc., Farmington, 04/23/2012

Missouri, to become a bank holding company 

through the retention of at least 25 percent of 

the voting shares of First State Bancshares, 

Inc., Farmington, Missouri, and thereby 

indirectly control First State Community Bank, 

Farmington, Missouri.

COOPER INVESTMENTS, 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

 177751 CASS CMRL BK, BRIDGETON, MISSOURI 11/28/2011 03/16/2012 S Int Sm Bank

 33147 FARMERS B&TC, BLYTHEVILLE, ARKANSAS 12/06/2010 03/15/2012 S Int Sm Bank

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 March 24, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control Notice by MVC Private 

Equity Fund, L.P., Purchase, New York, to gain 

control of BNCCORP, Inc., Bismarck, North 

Dakota, and thereby indirectly gain control of 

BNC National Bank, Glendale, Arizona.

BNCCORP, INC.

Newspaper:

Federal Register:

CIC Not available

04/10/2012

Change in Control Notice by Sharon Bauman, 

Apple Valley, Minnesota, Virginia Bauman, 

Farmington, Minnesota, and Michael Murray, 

Irving, Texas, as individuals, to acquire and 

retain 10 percent or more of the voting shares of 

Kerkhoven Bancshares, Inc., Kerkhoven, 

Minnesota, and thereby indirectly acquire and 

retain control of Financial Security Bank, 

Kerkhoven, Minnesota. In addition, Sharon 

Bauman, Virginia Bauman, Michael Murray, 

Florence Bauman, and Russell Bauman, to join 

the Bauman family control group which controls 

Kerkhoven Bancshares, Inc., Kerkhoven, 

Minnesota, and thereby indirectly controls 

Financial Security Bank, Kerkhoven, Minnesota.

KERKHOVEN BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Wells Financial Corp., Wells, Minnesota, to 

become a bank holding company as a result of 

the proposed conversion of its wholly-owned 

subsidiary, Wells Federal Bank, Wells, 

Minnesota, from a federal savings bank to a 

Minnesota state-chartered commercial bank.

WELLS FINANCIAL CORP.

* 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 March 24, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/03/2012

Notice by William Bradley Giblet and Lita Giblet, 

both of Hydro, Oklahoma, and Gaylon Vogt, 

Weatherford, Oklahoma, to acquire control of 

Ryan Bancshares, Inc., parent of The First State 

Bank, both in Ryan, Oklahoma.

RYAN BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

04/04/2012

Notice by Amos Kendall Bass III Revocable 

Trust, Rebecca Sue Bass Revocable Trust, and 

Rebecca Sue Bass, McAlester, Oklahoma, as 

trustee, to acquire control of Wilburton State 

Bancshares, Inc., parent of Wilburton State 

Bank, both in Wilburton, Oklahoma.

WILBURTON STATE 

BANCSHARES, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 368951 KAW VALLEY ST B&TC, WAMEGO, KANSAS 12/12/2011 03/14/2012 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 March 24, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/21/2012

Mission-Heights Capital, Ltd., Houston, Texas, 

and Mission-Heights, LLC, Houston, Texas, 

general partner; and Charles Robert Miller, Jr., 

Odem, Texas, individually, intend to apply to 

the Federal Reserve Board for permission to 

acquire 25 percent or more of the shares of 

Odem Bancshares, Inc., Odem, Texas, and 

thereby indirectly obtain control of First State 

Bank of Odem, Odem, Texas., in association 

with a request by Mission-Heights Capital, Ltd., 

to be treated as a Qualified Family Partnership 

(QFP).

ODEM BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

03/16/2012

Notice by Mr. Jimmy Enriquez, of The 

Woodlands, Texas individually and as trustee 

for JE Trust No. 2, The Woodlands, Texas to 

acquire 100 percent of the shares and thereby 

control of Uvalde Bancshares, Inc., Dover, 

Delaware, and indirectly Uvalde National Bank, 

Uvalde, Texas.

UVALDE 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 March 24, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 04/19/2012

CU Bancorp, to become a bank holding 

company by acquiring 100 percent of California 

United Bank, both of Encino, California and 2) 

CU Bancorp, Encino, California, to acquire 

Premier Commercial Bancorp, and thereby 

indirectly acquire Premier Commercial Bank, 

N.A., both of Anaheim, California.

CU BANCORP

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8 02/21/2012

First PacTrust Bancorp, Inc., Chula Vista, 

California, to become a bank holding company 

by acquiring 100 percent of Beach Business 

Bank, Manhattan Beach, California, pursuant to 

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

100 percent control of Pacific Trust Bank, 

fsb,Chula Vista, California, and thereby engage 

in operating a nonbank thrift subsidiary, 

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

Y.

FIRST PACTRUST BANCORP, 

INC.

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act