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 11, 2012

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

Amalgamated Bank, New York, New York, and Workers United -- determinations in 

connection with Workers United's separation from UNITE HERE, a labor 

organization and registered bank holding company, that (1) Workers United would 

succeed to the benefit of the exemption for labor organizations from certain 

prohibitions against nonbanking activities by bank holding companies and 

(2) Workers United would not be required to file an application under section 3 of the 

Bank Holding Company Act to acquire control of Amalgamated Bank as part of the 

separation.

- Approved, February 8, 2012

Hana Financial Group, Inc., Seoul, Korea -- to acquire a controlling interest in Korea 

Exchange Bank, Seoul, and indirect controlling interests in its subsidiaries, KEB NY 

Financial Corp., New York, New York, and KEB LA Financial Corp., Los Angeles, 

California, and thereby engage in certain nonbanking activities.

- Approved, February 8, 2012

Forms

Forms -- final Board review to implement the Quarterly Savings and Loan Holding 

Company Report (FR 2320) and to extend without revision the Bank Holding 

Company Report of Insured Depository Institutions' Section 23A Transactions with 

Affiliates (FR Y-8).

- Approved, February 6, 2012

Forms -- final Board review to extend with revision the Quarterly Report of Assets 

and Liabilities of Large Foreign Offices of U.S. Banks (FR 2502q), Automobile 

Finance Terms (FR 2005), and Passenger Auto Contract Collection Trends 

(FR 2012); and to extend without revision the Weekly Report of Selected Assets and 

Liabilities of Domestically Chartered Commercial Banks and U.S. Branches and 

Agencies of Foreign Banks (FR 2644), Quarterly Report of Interest Rates on Selected 

Direct Consumer Installment Loans (FR 2835), and Quarterly Report of Credit Card 

Plans (FR 2835a).

- Approved, February 10, 2012

H.2 Board Actions February 5, 2012 to February 11, 2012

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

Ambank Holdings, Inc., Davenport, Iowa -- written agreement with the Federal 

Reserve Bank of Chicago.

- Announced, February 7, 2012

Brogan Bankshares, Inc., Kaukauna, Wisconsin -- written agreement with the Federal 

Reserve Bank of Chicago.

- Announced, February 7, 2012

CoastalSouth Bancshares, Inc., Hilton Head, South Carolina -- written agreement 

with the Federal Reserve Bank of Richmond.

- Announced, February 7, 2012

Enforcement Actions -- agreement in principle regarding the issuance of monetary 

sanctions totaling $766.5 million against five banking organizations (Bank of 

America Corp.; Citigroup Inc.; Ally Financial, Inc.; JPMorgan Chase & Co.; and 

Wells Fargo & Co.) for unsafe and unsound processes and practices in residential 

mortgage loans servicing and foreclosure processing.

- Announced, February 9, 2012

H.2 Board Actions February 5, 2012 to February 11, 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

February 5, 2012 to February 11, 2012

MA Monetary Affairs

Bank Branches, Domestic

Commerce Bank, Kansas City, Missouri -- to establish a branch at 525 Couch 

Avenue, Kirkwood.

Kansas City

- Approved, February 10, 2012

Peoples Bank of Virginia, Richmond, Virginia -- to continue to operate a courier 

service to pick up deposits from business customers.

Richmond

- Approved, February 8, 2012

Bank Holding Companies

Burling Bancorp, Inc., Chicago, Illinois -- to become a bank holding company and to 

acquire Burling Bank, Chicago.

Chicago

- Approved, February 9, 2012

Capital One Financial Corporation, McLean, Virginia -- relief from certain 

commitments.

Director, BS&R

- Granted, February 6, 2012

Corporate Merchant Services, Inc., Lake Mary, Florida -- to become a bank holding 

company and to acquire Northern Star Financial, Inc., Mankato, Minnesota, and 

thereby acquire Northern Star Bank.

Minneapolis

- Returned, February 10, 2012

(A/C) = Addition or Correction Delegated - 1 of 2
Bank Holding Companies

Perham State Bancshares, Inc., Perham, Minnesota -- to acquire Farmers State Bank 

of Dent, Dent.

Minneapolis

- Approved, February 10, 2012

Private Bancorp of America, Inc., La Jolla, California -- to become a bank holding 

company and to acquire San Diego Private Bank, La Jolla.

San Francisco

- Approved, February 10, 2012

Teton Financial Services, LLC, Wilson, Wyoming -- to become a bank holding 

company and to acquire Rocky Mountain Bank, Jackson.

Kansas City

- Approved, February 8, 2012

Change in Bank Control

Perry Investment Company, Perry, Iowa -- change in bank control of Perry 

Investment and its subsidiary bank, Raccoon Valley Bank, Perry.

Chicago

- Withdrawn, February 10, 2012

Savings and Loan Holding Companies

HomeTrust Bancshares, Inc., Clyde, North Carolina -- to become a savings and loan 

holding company on the conversion of HomeTrust Bank, Clyde, from mutual to stock 

ownership.

Richmond

- Withdrawn, February 9, 2012

H.2 Actions under delegated authority February 5, 2012 to February 11, 2012

(A/C) = Addition or Correction Delegated - 2 of 2
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending February 11, 2012

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 11, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Elmira Savings Bank, Elmira, New York, to 

become a member of the Federal Reserve 

System.

ELMIRA SAVINGS 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

 214807 DEUTSCHE BK TC AMERICAS, NEW YORK, NEW YORK 11/29/2010 01/03/2012 O Whole/Ltd Purp

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 11, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

MHC Minority Not applicable

Stock Issuance Not applicable

Lake Shore Bancorp, Inc., Dunkirk, NY, to 

conduct a minority stock issuance.

LAKE SHORE BANCORP INC

Newspaper:

Federal Register:

CIC Not available

09/21/2011

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

Financial Partners, L.P., Patriot Financial 

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

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

Patriot Financial Manager, LLC. and Messrs. Ira 

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

all of Philadelphia, Pennsylvania, to purchase 

up to 24.9 percent of Porter Bancorp, Inc., 

Louisville, KY.

PATRIOT FINANCIAL 

PARTNERS LP

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending February 11, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice of Change in Control by Richard H. Thut, 

Orrville, Ohio, to acquire up to 32.97% of the 

voting shares of FC Banc Corp., Bucyrus, Ohio

FC BANC CORP

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 02/22/2012

branch at 2205 Cobb Parkway, Smyrna, GA.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 02/15/2012

branch at 1920 Powers Ferry Road, Marietta, 

GA.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 02/16/2012

branch at 6050 Singleton Square, Norcross, GA.

FIFTH THIRD BANK

Newspaper:

Federal Register:

Foreign Branch Not applicable

Not applicable

After-the-fact filing by PNC Bank N.A. to 

establish a non-depository branch in Canada 

pursuant to 12 C.F.R. Section 211.3(b)(2).

PNC BANK, NATIONAL 

ASSOCIATION

* 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

 846619 CORTLAND SVG & BKG CO, CORTLAND, OHIO 10/17/2011 02/01/2011 S Int Sm Bank

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 11, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

02/27/2012

Live Oak Bancshares, Inc., Wilmington, North 

Carolina, to engage in the sale of 

independently-developed software and provide 

related support services through a 

newly-formed nonbank subsidiary, BANKR, 

LLC, Wilmington, North Carolina.

LIVE OAK BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Virginia Heritage Bank, Vienna, Virginia, to 02/18/2012

establish a branch at 11166 Fairfax Boulevard, 

Fairfax, 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

 886624 CLEAR MNT BK, BRUCETON MILLS, WEST VIRGINIA 09/19/2011 01/06/2012 O Int Sm 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 11, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

02/29/2012

CertusHoldings, Inc., Atlanta, Georgia, to 

engage in investment advisory activities 

through its newly-formed wholly-owned 

subsidiary, Certus Investment Advisors, LLC, 

both of Atlanta, Georgia, pursuant to section 

225.28(b)(6) of Regulation Y and section 4(c)(8) 

of the Bank Holding Company Act.

CERTUSHOLDINGS, INC.

Newspaper:

Federal Register:

4c8 Not applicable

02/29/2012

Gateway Financial Holdings of Florida, Inc., 

Daytona Beach, Florida, requests authority, 

after-the-fact, to engage directly, and indirectly 

through its wholly owned nonbank subsidiary, 

Gateway Asset Holdings, Daytona Beach, 

Florida, in making, acquiring, brokering, or 

servicing loans, or other extensions of credit, 

pursuant to section 225.28(b)(1), and to engage 

in activities related to extending credit, pursuant 

to Section 225.28(b)(2), of Regulation Y and 

4(c)8 of the Bank Holding Company Act.

GATEWAY FINANCIAL 

HOLDINGS OF FLORIDA, INC.

Newspaper:

Federal Register:

CIC Not available

02/29/2012

Prior change in control notice filed by Moishe 

Gubin, Hillside, Illinois, and Mark Orenstein, 

Chicago, Illinois, to collectively acquire 

approximately 23.14 percent of the outstanding 

shares of voting securities of OptimumBank 

Holdings, Inc., Ft. Lauderdale, Florida, and its 

subsidiary, OptimumBank, Plantation, Florida. 

Total pro forma ownership will equal 30.17 

percent.

OPTIMUMBANK HOLDINGS, 

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

 704737 FLORIDA BK, TAMPA, FLORIDA 10/24/2011 02/07/2012 S Int Sm Bank

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 11, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

The Farmers & Mechanics Bank, Galesburg, 

Illinois, to purchase certain assets and assume 

certain liabilities of Associated Bank, N.A., 

Green Bay, Wisconsin, branches located at 50 

East Main Street and 1865 Henderson Street, 

both of Galesburg, Illinois. The Farmers & 

Mechanics Bank will establish an office at 1865 

Henderson Street, Galesburg, Illinois, upon 

consummation of the proposal.

FARMERS AND MECHANICS 

BANK, THE

Newspaper:

Federal Register:

* 3A1 Not available

01/06/2012

Inspire Bancshares, Inc., Tomah, Wisconsin, to 

become a bank holding company by acquiring 

100 percent of the voting shares of Community 

State Bank, Norwalk, Wisconsin.

INSPIRE BANCSHARES INC

Newspaper:

Federal Register:

* Branch Not available

Not applicable

The Northern Trust Company, Chicago, Illinois, 

to establish a branch facility to be located at 

Telegraph Road Metra Train Station, 911 South 

Telegraph Road, Lake Forest, Illinois.

NORTHERN TRUST COMPANY, 

THE

Newspaper:

Federal Register:

CIC Not available

01/31/2012

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

together with John M. Cox as a group acting in 

concert, both of Naples, Florida, to acquire over 

25 percent of the outstanding shares of 

Rush-Oak Corporation, Chicago, Illinois, and 

thereby indirectly acquire control of Oak Bank, 

Chicago, Illinois.

RUSH-OAK CORPORATION

Newspaper:

Federal Register:

CIC Not available

02/14/2012

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

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

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

La Grange, Illinois, Katherine Walsh Hennessy, 

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

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

Patrick M. Walsh, Chicago, Illinois, together as 

a group acting in concert, to acquire over 25 

percent of the outstanding shares of Rush-Oak 

Corporation, Chicago, Illinois, and thereby 

indirectly acquire control of Oak Bank, Chicago, 

Illinois.

RUSH-OAK CORPORATION

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Notice by Town and Country Bank, Springfield, 

Illinois, to purchase certain assets and assume 

certain deposit and other liabilities of the branch 

of Associated Bank, National Association, 

Green Bay, Wisconsin, located at 706 Maine 

Street, Quincy, Illinois. Town and Country 

Bank will establish an office at 706 Maine Street, 

Quincy, Illinois, upon consummation of the 

proposal.

TOWN AND COUNTRY BANK

Newspaper:

Federal Register:

4c8 Not applicable

02/27/2012

Notice by Waytru Bancorp, Cambridge City, 

Indiana, to continue to engage in the 

permissible nonbanking activity of extending 

credit and servicing loans.

WAYTRU BANCORP

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

Federal Reserve Bank of Chicago

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

 546544 CENTRAL BK, STORM LAKE, IOWA 08/08/2011 01/16/2012 S Int Sm Bank

 502746 COMMUNITY ST BK, AVILLA, INDIANA 09/26/2011 01/23/2012 S Small Bank

 759045 FIRST EAGLE BK, HANOVER PARK, ILLINOIS 09/12/2011 01/19/2012 O Int Sm Bank

 2119773 HINSDALE B&TC, HINSDALE, ILLINOIS 06/06/2011 01/16/2012 S Large Bank

 636771 INDEPENDENT BK, IONIA, MICHIGAN 09/13/2010 02/02/2012 S Large Bank

 952846 IOWA ST BK, WAPELLO, IOWA 08/22/2011 02/06/2012 S Small Bank

 68840 UNION B&TC, EVANSVILLE, WISCONSIN 05/02/2011 12/19/2011 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 11, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Midwest BankCentre, Lemay, Missouri, to 02/18/2012

establish a branch facility to be located at 6810 

Page Avenue, Pagedale, Missouri.

MIDWEST BANKCENTRE

* 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

 225559 BANK OF BARTLETT, BARTLETT, TENNESSEE 06/20/2011 01/26/2012 S Int Sm Bank

 2967349 LIBERTY BANK OF ARKANSAS, JONESBORO, ARKANSAS 09/21/2011 01/23/2012 S Large 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 February 11, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 02/15/2012

02/07/2012

Change in control notice by Samuel B. Gault, 

Saint Peter, Minnesota, and Lisa R. Gault, 

Chaska, Minnesota, each to acquire 25% or 

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

Saint Peter, Minnesota, and thereby indirectly 

acquire control of The Nicollet County Bank of 

Saint Peter, Saint Peter, Minnesota.

SAINT PETER AGENCY, INC.

Newspaper:

Federal Register:

* 3A3 Not available

02/21/2012

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

acquire 100 percent of First Hawley Bancshares, 

Inc., Hawley, Minnesota, and thereby indirectly 

acquire First National Bank, Hawley, Minnesota.

STATE BANKSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

03/09/2012

Western State Agency, Inc. Employee Stock 

Ownership Plan and Trust, Devils Lake, North 

Dakota, to acquire additional shares and 

thereby increase its ownership of Western State 

Agency, Inc., Devils Lake, North Dakota, from 

28.81% up to 43.25%. Western State Agency, 

Inc. owns Western State Bank, Devils Lake, 

North Dakota.

WESTERN STATE AGENCY, 

INC., EMPLOYEE STOCK 

OWNERSHIP PLAN AND TRUST

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending February 11, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 02/17/2012

02/14/2012

Notice by the Paul E. Nielsen and Patricia I. 

Nielsen Revocable Trust, and Patricia I. Nielsen, 

trustee, Albuquerque, New Mexico, to retain 

control of Alamosa Bancorporation, Ltd., parent 

of Alamosa State Bank, both in Alamosa, 

Colorado.

ALAMOSA 

BANCORPORATION, LTD.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Cornerstone Bank, York, Nebraska, to purchase 

certain assets and assume certain liabilities of 

Frontier Bank, Davenport, Nebraska, and 

incident thereto, to establish a branch.

CORNERSTONE BANK

Newspaper:

Federal Register:

* 3A3 02/29/2012

02/27/2012

NBC Bancshares, LLC, Lincoln, Nebraska, to 

retain 76.44 percent of the voting shares of 

Nebraska Bank of Commerce, Lincoln, Nebraska, 

through its conversion from a savings 

association to a Nebraska state banking 

corporation.

NBC BANCSHARES LLC

Newspaper:

Federal Register:

CIC 02/17/2012

02/13/2012

Notice by Lindley C. Stuart, Shattuck, 

Oklahoma, individually; and by Dusti D. 

Kuehne, Southlake, Texas, to become part of the 

Stuart Family Group acting in concert; to 

acquire control of Shattuck Bancshares, Inc., 

parent of The Shattuck National Bank, both in 

Shattuck, Oklahoma.

SHATTUCK BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 03/04/2012

03/12/2012

Summit Bancshares, Inc., to become a bank 

holding company through the acquisition of 100 

percent of the voting shares of Summit Bank, 

both in Tulsa, Oklahoma.

SUMMIT 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

 871358 BANK OF HOLYROOD, HOLYROOD, KANSAS 10/31/2011 02/02/2012 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 February 11, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 03/04/2012

03/02/2012

Independent Bank Group, Inc., McKinney, 

Texas, to acquire by merger 100 percent of I 

Bank Holding Company, Inc., Lakeway, Texas, 

and indirectly acquire I Bank Texas, SSB, 

Austin, Texas.

INDEPENDENT BANK GROUP, 

INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

PlainsCapital Bank, Dallas, Texas, to establish a 

branch at 6100 Colleyville Boulevard, Suite 170, 

Colleyville, Texas 76034.

PLAINSCAPITAL BANK

* 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 11, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8 02/21/2012

First PacTrust Bancorp, Inc., Chula Vista, 

California, to become a bank holding company 

by acquiring 100 percent of Beach Business 

Bank, Manhattan Beach, California, pursuant to 

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

100 percent control of Pacific Trust Bank, 

fsb,Chula Vista, California, and thereby engage 

in operating a nonbank thrift subsidiary, 

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

Y.

FIRST PACTRUST BANCORP, 

INC.

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 871769 FARMERS & MRCH BK, LONG BEACH, CALIFORNIA 08/01/2011 01/23/2012 S Large Bank

 1864197 OAK VALLEY CMNTY BK, OAKDALE, CALIFORNIA 06/27/2011 01/27/2012 S Int Sm Bank

 431172 PACIFIC PREMIER BK, COSTA MESA, CALIFORNIA 10/11/2011 02/07/2012 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act