Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 1 

Week Ending January 5, 2013

Board of Governors of the Federal Reserve System, Washington, DC 20551
Board Operations and Personnel

Division of Banking Supervision and Regulation -- organizational changes and 

appointment of Mark Van Der Weide as deputy director; Richard Naylor as associate 

director; Anna Lee Hewko, Steven Merriett, Michael Sexton, and Lisa Ryu as deputy 

associate directors; David Lynch, Suzanne Williams, and Mary Aiken as assistant 

directors; Gerald Edwards and David Jones as senior advisers; and Molly Mahar as 

adviser.

- Approved, January 2, 2013

Enforcement

Farmers State Bank, Victor, Montana -- written agreement dated November 12, 2010, 

terminated December 19, 2012.

- Announced, January 3, 2013

H.2 Board Actions December 30, 2012 to January 5, 2013

(A/C) = Addition or Correction Board - Page 1 of 1
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

December 30, 2012 to January 5, 2013

MA Monetary Affairs

Bank Holding Companies

Hope Bancshares, Inc., Hope, Kansas -- to acquire ABM Holding Company, 

Miltonvale, and its subsidiary, The Citizens State Bank.

Kansas City

- Approved, January 3, 2013

LCNB Corp., Lebanon, Ohio -- waiver of application to acquire First Capital 

Bancshares, Inc., Chillicothe, in connection with the merger of their respective 

subsidiaries, LCNB National Bank, Lebanon, and The Citizens National Bank of 

Chillicothe, Chillicothe.

Cleveland

- Granted, January 4, 2013

Ozark Bancorp, Inc., Salem, Missouri -- to become a bank holding company through 

the conversion of Progressive Ozark Bank, F.S.B., Salem, to a state-chartered 

commercial bank.

St. Louis

- Approved, January 2, 2013

Change in Bank Control

Charlevoix First Corporation, Charlevoix, Michigan -- to retain control of Charlevoix 

First Corporation and its subsidiary, Charlevoix State Bank, Charlevoix.

Chicago

- Withdrawn, January 4, 2013

(A/C) = Addition or Correction Delegated - 1 of 3
Change in Bank Control

Midland Financial Co., Oklahoma City, Oklahoma -- change in bank control of 

Midland Financial Co. and its subsidiary, MidFirst Bank, Oklahoma City (two 

notices).

Kansas City

- Permitted, December 31, 2012

SCCB Financial Corporation, Columbia, South Carolina -- change in bank control of 

SCCB Financial Corporation and its subsidiary, South Carolina Community Bank, 

Columbia.

Richmond

- Permitted, December 28, 2012

(A/C)

Extensions of Time

First Priority Financial Corp., Malvern, Pennsylvania -- extension to April 3, 2013, to 

acquire Affinity Bancorp, Inc., Wyomissing.

Philadelphia

- Granted, January 3, 2013

Membership

Progressive Ozark Bank, Salem, Missouri -- to become a member of the Federal 

Reserve System.

St. Louis

- Approved, January 2, 2013

H.2 Actions under delegated authority December 30, 2012 to January 5, 2013

(A/C) = Addition or Correction Delegated - 2 of 3
Regulations and Policies

Federal Open Market Committee -- minutes of the meeting on December 11-12, 

2012.

FOMC

- Published, January 3, 2013

Savings and Loan Holding Companies

Scottrade Financial Services, Inc., Town and Country, Missouri -- to acquire Bunker 

Hill Bancorp, Inc., St. Louis, and thereby acquire Boulevard Bank, Neosho.

St. Louis

- Approved, January 4, 2013

H.2 Actions under delegated authority December 30, 2012 to January 5, 2013

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

Federal Reserve Bank of Boston

Filings received during the week ending January 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 01/13/2013

01/20/2013

1854 Bancorp, Cambridge, Massachusetts to 

become a mutual holding company through the 

acquisition of East Cambridge Savings Bank, 

Cambridge, Massachusetts, pursuant to section 

3(a)(1) of the BHC Act.

1854 BANCORP

Newspaper:

Federal Register:

* 3A1 Not available

01/19/2013

Application by Franklin Bancorp MHC, 

Franklin, New Hampshire to establish a mutual 

bank holding company through the acquisition 

of Franklin Savings Bank, Franklin, New 

Hampshire. The filing was submitted pursuant 

to section 3(a)(1) of the Bank Holding Company 

Act of 1956, as amended.

FRANKLIN BANCORP MHC

* 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 January 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 01/27/2013

01/26/2013

FNBNY Bancorp, Inc. and Modern Capital 

Holdings LLC, both of New York, New York, to 

acquire up to 24.89 percent of the total equity of 

The Upstate National Bank, Rochester, New 

York, under Section 3(a)(3)of the Bank Holding 

Company Act and Section 225.15 of Regulation 

Y.

FNBNY BANCORP, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 2

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 January 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending January 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 January 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banque Centrale Populaire, Casablanca, 

Morocco, to establish a representative office in 

Washington, D.C.

BANQUE CENTRALE 

POPULAIRE

Newspaper:

Federal Register:

* Branch

Not applicable

HomeTown Bank, Roanoke, Virginia, to 01/14/2013

establish a branch at 50 Ponderosa Drive, 

Christiansburg, Virginia

HOMETOWN 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 January 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

CedarStone Financial, Inc., notice to become a 

bank holding company by acquiring CedarStone 

Bank, both of Lebanon, Tennessee.

CedarStone Financial, Inc.

Newspaper:

Federal Register:

* MHC 

Conversion

* SLHC 

Formation

01/14/2013

01/19/2013

First Charter, MHC, West Point, Georgia, to 

convert to stock form and merge with and into 

Charter Financial Corporation, West Point, 

Georgia, which proposes to become a savings 

and loan holding company by acquiring 

Charterbank, West Point, Georgia.

CHARTER FINANCIAL 

CORPORATION

* 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 January 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notification filed by the family group consisting 

of: Mr. Robert Wrobel, a Trustee of the Robert 

M. Wrobel Trust, Debra Wrobel, Trustee of the 

Debra Wrobel Trust and Trustee of three related 

Wrobel Family Trusts, along with Dr. Jack 

Havdala as an individual, to acquire 25 percent 

or more of the shares of Amalgamated 

Investments Company, Chicago, Illinois and 

thereby indirectly acquire control of 

Amalgamated Bank of Chicago, Chicago, 

Illinois.

AMALGAMATED 

INVESTMENTS COMPANY

Newspaper:

Federal Register:

4c8 Not applicable

01/23/2013

Baylake Corporation, Sturgeon Bay, Wisconsin, 

formed a single-member limited liability 

company subsidiary named Admiral Asset 

Management, LLC, Greenbay, Wisconsin. It will 

be conducting traditional registered investment 

advisory services through its registered 

investment adviser representatives. These 

services will be provided to customers of 

Baylake Bank, Sturgeon Bay, Wisconsin.

BAYLAKE CORP.

Newspaper:

Federal Register:

CIC Not available

12/18/2012

Members of the Irish and Hodgson family which 

include: Ann Kennedy Irish, Harbor Springs, 

Michigan, as trustee of the Ann Kennedy Irish 

Trust; the Ann Kennedy Irish Trust, Harbor 

Springs, Michigan, David H. Irish, Harbor 

Springs, Michigan, as trustee of the David H. 

Irish Trust; the David H. Irish Trust, Harbor 

Springs, Michigan; Tracy Irish Texter, 

Middleville, Michigan and John F. Texter, 

Middleville, Michigan, as trustees of the John F. 

Texter and Tracy I. Texter Trust; the John F. 

Texter and Tracy I. Texter Trust, Middleville, 

Michigan; Susan Irish Stewart, Harbor Springs, 

Michigan, as trustee of the Susan Irish Stewart 

Revocable Intervivos Trust; the Susan Irish 

Stewart Revocable Intervivos Trust, Harbor 

Springs, Michigan; Colin David Irish, 

Marquette, Michigan; Perry Irish Hodgson, 

Charlevoix, Michigan; Liam Foster Hodgson, 

Beaver Island, Michigan; Alexander Irish 

Hodgson, Charlevoix, Michigan; and Raymond 

Earhart Hodgson, Charlevoix, Michigan, to be 

added to the Hodgson Family Control Group 

and to thereby retain control of 25 percent or 

more of Charlevoix First Corporation, 

Charlevoix, Michigan and indirectly Charlevoix 

State Bank, Charlevoix, Michigan.

CHARLEVOIX FIRST 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Notification filed by Mr. Stanley Dickson and 

Mr. Steven Dickson (brothers) to acquire 20 

percent or more of the shares of FNBH Bancorp, 

Inc., Howell, Michigan.

FNBH BANCORP, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending January 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Morton Community Bank, Morton, Illinois, to 01/04/2013

establish a branch facility to be located at 2401 

East Empire Street, Suite D, Bloomington, 

Illinois.

MORTON COMMUNITY BANK

Newspaper:

Federal Register:

CIC

Not available

Trident SBI Holdings, LLC; Trident V, L.P.; 12/11/2012

Trident V Parallel Fund, L.P.; Trident V 

Professionals Fund, L.P.; Trident Capital V, L.P.; 

Trident Capital V-PF, L.P.; Stone Point GP Ltd; 

CD Trident V, LLC; and Charles A. Davis, all of 

Greenwich, Connecticut, as a group acting in 

concert, to acquire control of Standard 

Bancshares, Inc., Hickory Hills, Illinois, and 

thereby indirectly acquire control of Standard 

Bank and Trust Company, Hickory Hills, Illinois.

STANDARD BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

02/01/2013

Van Buren Bancorporation, Inc., Keosauqua, 

Iowa, to acquire 100 percent of First Iowa State 

Bank, Albia, Iowa.

VAN BUREN 

BANCORPORATION

Newspaper:

Federal Register:

* MHC Not available

Conversion 12/18/2012

WBSB Bancorp, MHC proposes to convert to 

stock form and merge with and into WBSB 

Bancorp, Inc. (the "Bancorp"), an existing 

savings and loan holding company. Immediately 

after the merger, the Bancorp will merge with 

and into a new company called Westbury 

Bancorp, Inc., which will become a savings and 

loan holding company through the acquisition 

of 100 percent of the outstanding stock of 

Westbury Bank, a federal stock savings bank 

headquartered in West Bend, Wisconsin.

WBSB BANCORP, MHC

* 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 January 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

Not applicable

Arvest Bank, Fayetteville, Arkansas, to merge 02/01/2013

with Arvest Trust Company, National 

Association, Rogers, Arkansas.

ARVEST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Farmers Bank & Trust Company, Blytheville, 01/08/2013

Arkansas, to establish a branch facility to be 

located at 3644 W. State Highway 18, Manila, 

Arkansas.

FARMERS BANK AND TRUST 

COMPANY

Newspaper:

Federal Register:

* 3A1 Not available

01/31/2013

Jacksonville Bancorp, Inc., Jacksonville, Illinois, 

proposes to become a bank holding company 

though the termination of the savings and loan 

holding company election by its subsidiary 

savings association, Jacksonville Savings Bank, 

Jacksonville, Illinois, pursuant to Section 10(l) 

of the Home Owners Loan Act.

JACKSONVILLE BANCORP, 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 January 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/07/2013

Change in Control notice by James and Nita 

Wallenfelsz, both of North Oaks, Minnesota, to 

acquire 25 percent or more of the shares of N.A. 

Corporation, Roseville, Minnesota, and thereby 

indirectly gain control of North American 

Banking Company, Roseville, Minnesota.

N.A. CORPORATION

Newspaper:

Federal Register:

CIC 01/17/2013

01/07/2013

Retroactive Change in Control notice by David 

L. Neisen, Watkins, Minnesota, individually and 

as trustee of four Neisen family trusts, to retain 

25 percent or more of the shares of Neisen 

Bancshares, Inc., Watkins, Minnesota, and 

thereby indirectly retain control of Farmers State 

Bank of Watkins, Watkins, Minnesota.

NEISEN BANCSHARES, INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 January 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 01/03/2013

12/31/2012

Notice submitted by Troy and Crystal 

Faulkender, Oakley, Kansas; Jay and Brandy 

Todd, Rexford, Kansas; Darvin and Tammi 

Strutt, Colby, Kansas; Sharon and Ronnie 

Schamberger, Hoxie, Kansas; Crystal Ann 

Trauer, trustee of the Laurence Duane Trauer 

Tax Shelter Trust and the Crystal Ann Trauer 

Revocable Trust, both in Hays, Kansas; Nichole 

and Bret Tremblay, Manhattan, Kansas; Leslea 

and Brett Oelke, Hoxie, Kansas; Brittany 

Schamberger, Hoxie, Kansas, Taylore 

Schamberger, Hoxie, Kansas; Jerry and Melissa 

Spresser, Hoxie, Kansas; Larry and Julie 

Spresser, Pittsburg, Kansas; and Brian and 

Sheri Baalman, Menlo, Kansas; as a group 

acting in concert, to acquire control of Big Mac 

Bancshares, Inc., Hoxie, Kansas, parent of 

Peoples State Bank, McDonald, Kansas.

BIG MAC BANCSHARES, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

First Belleville Bancshares, Inc., Abilene, 

Kansas, to engage in servicing of accounts 

receivable for third parties and facilitating the 

funding of accounts receivable with various 

lenders, through the acquisition of 91.78 percent 

of National Billing, LLC, Ellinwood, Kansas.

FIRST BELLEVILLE 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

01/18/2013

Notice submitted by the Davis Family Trust; 

Steven C. Davis, P.C.; the Steven C. Davis 

Succession Trust; the Ricky J. Davis 

Succession Trust; and the Kenneth R. Davis 

Succession Trust, all of Oklahoma City, 

Oklahoma; and Scott R. Duncan, Oklahoma City, 

Oklahoma, as trustee of the Steven C. Davis 

Succession Trust, the Ricky J. Davis 

Succession Trust, and the Kenneth R. Davis 

Succession Trust, to become a part of the group 

acting in concert to acquire control of First 

Commercial Bancshares, Inc., Edmond, 

Oklahoma, parent of First Commercial Bank, 

Edmond, Oklahoma.

FIRST COMMERCIAL 

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

First State Bank of Colorado, Hotchkiss, 

Colorado, to establish a branch at 564 Main 

Street, Delta, Colorado.

FIRST STATE BANK OF 

COLORADO

Newspaper:

Federal Register:

CIC Not available

Not available

Notice submitted by the Donald L. Patry 

Revocable Trust, Newton, Kansas; Ellen M. 

Patry Revocable Trust, Newton, Kansas, and 

Ellen Patry, trustee, Newton, Kansas; Corey 

Patry, Wichita, Kansas; Brandon Patry, Valley 

Center, Kansas, and Katie Patry, Valley Center, 

Kansas, as a group acting in concert, to retain 

control of Whitewater Bancshares, Inc., parent 

of Bank of Whitewater, both in Whitewater, 

Kansas.

WHITEWATER 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

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 January 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

HCSB, a State Banking Association, Plainview, 

Texas, to establish a branch to be located at 201 

W. 6th Street, Plainview, Texas 79072.

HCSB, A STATE BANKING 

ASSOCIATION

Newspaper:

Federal Register:

* 3A3 01/20/2013

12/19/2012

Quanah Financial Corporation Employee Stock 

Ownership Plan, Quanah, Texas, to retain 32.73 

percent of Quanah Financial Corporation, 

Quanah, Texas, and indirectly First Capital 

Bank, Quanah, Texas.

QUANAH FINANCIAL 

CORPORATION EMPLOYEE 

STOCK OWNERSHIP PLAN

* 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 January 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/30/2012

Notice by Thomas Galt Atwood, Glen Ellen, 

California, and Cypress Abbey Company, 

Colma, California, to retain 10 percent or more of 

the outstanding shares of capital stock of FNB 

Bancorp, and thereby indirectly retain 10 perent 

or more of the voting shares of First National 

Bank of Northern California, both of South San 

Francisco, California.

FNB BANCORP

* 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