Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 20 

Week Ending May 18, 2013

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

Cross-Border Resolution -- statement by Michael S. Gibson, director, Division of 

Banking Supervision and Regulation, before a subcommittee of the Senate 

Committee on Banking, Housing, and Urban Affairs on the challenges to achieving 

an orderly cross-border resolution of a failed systemic financial firm.

- Published, May 15, 2013

Forms

Forms -- initial Board review to extend with revision the Notices of Failure to Meet 

Capital or Management Requirements (FR 4012) and to extend without revision 

the Declarations to Become a Financial Holding Company (FHC) (FR 4010), 

Requests for Determinations and Interpretations Regarding Activities Financial in 

Nature (FR 4011), Notices by State Member Banks to Invest in Financial 

Subsidiaries (FR 4017), Regulatory Relief Requests Associated with Merchant 

Banking Activities (FR 4019), and Recordkeeping Requirements Associated with 

Merchant Banking Activities (FR 4023).

- Proposed, May 15, 2013

Monetary and Financial Policy

Term Deposit Facility -- fixed-rate offering of 28-day term deposits with full 

allotment of tenders on May 20, 2013.

- Announced, May 15, 2013

Enforcement

Bank of Montreal, Montreal, Canada; Bank of Montreal Chicago Branch, Chicago, 

Illinois; and BMO Financial Corp., Wilmington, Delaware -- written agreement with 

the Federal Reserve Bank of Chicago and the Illinois Department of Financial and 

Professional Regulation, Division of Banking.

- Announced, May 17, 2013

H.2 Board Actions May 12, 2013 to May 18, 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

May 12, 2013 to May 18, 2013

MA Monetary Affairs

Bank Branches, Domestic

Community Trust Bank, Choudrant, Louisiana -- to establish a branch at 5324 Kirby 

Drive, Houston, Texas.

Dallas

- Approved, May 17, 2013

Evolve Bank & Trust, West Memphis, Arkansas -- to establish a branch at 115 Block 

Street, Marion.

St. Louis

- Withdrawn, May 13, 2013

First Missouri Bank, Brookfield, Missouri -- to establish a branch at 1925 Burlington 

Avenue, North Kansas City.

Kansas City

- Withdrawn, May 17, 2013

Merchants Bank of Bangor, Bangor, Pennsylvania -- to establish a branch at 2 West 

Broad Street, Bethlehem.

Philadelphia

- Approved, May 14, 2013

Monarch Bank, Chesapeake, Virginia -- to establish a branch at 11815 Fountain 

Way, Newport News.

Richmond

- Withdrawn, May 16, 2013

(A/C) = Addition or Correction Delegated - 1 of 6
Bank Holding Companies

1st United Bancorp, Inc., Boca Raton, Florida -- to merge with Enterprise Bancorp, 

Inc., Palm Beach Gardens, and thereby acquire Enterprise Bank of Florida, North 

Palm Beach; and for 1st United Bank, Boca Raton, to merge with Enterprise Bank of 

Florida.

Atlanta

- Approved, May 16, 2013

CapGen Capital Group VI, New York, New York -- request for an exemption under 

the Depository Institution Management Interlocks Act and Regulation L (three 

requests).

General Counsel

- Granted, May 14, 2013

CIC Bancshares, Inc., Denver, Colorado -- relief from certain commitments.

Director, BS&R

- Granted, May 13, 2013

Glacier Bancorp, Inc., Kalispell, Montana -- waiver of application to acquire 

Wheatland Bankshares, Inc., Wheatland, Wyoming, in connection with the merger of 

their respective subsidiaries, Glacier Bank, Kalispell, and First State Bank, 

Wheatland.

Minneapolis

- Granted, May 13, 2013

The Goldman Sachs Group, Inc., New York, New York -- relief from certain 

commitments.

Director, BS&R

- Granted, May 17, 2013

H.2 Actions under delegated authority May 12, 2013 to May 18, 2013

(A/C) = Addition or Correction Delegated - 2 of 6
Bank Holding Companies

Henderson Citizens Bancshares, Inc., Henderson, Texas -- to acquire The East Texas 

National Bank of Palestine, Palestine.

Dallas

- Approved, May 14, 2013

MidWest Bancorporation, Inc., Eden Prairie, Minnesota -- to become a bank holding 

company through the conversion of its subsidiary, Star Bank, Bertha, from a federal 

savings bank to a state-chartered commercial bank; and to engage, through Todd 

County Agency, Inc., Eden Prairie, and West Central Agency, Inc., Graceville, in 

general insurance agency activities.

Minneapolis

- Approved, May 16, 2013

Regent Capital Corporation, Nowata, Oklahoma -- to continue to engage in lending 

activities.

Kansas City

- Approved, May 15, 2013

Bank Premises

Merchants Bank of Bangor, Bangor, Pennsylvania -- request to exceed the limit on 

investment in bank premises.

Philadelphia

- Approved, May 14, 2013

H.2 Actions under delegated authority May 12, 2013 to May 18, 2013

(A/C) = Addition or Correction Delegated - 3 of 6
Change in Bank Control

FarmBank Holding, Inc., Greeley, Colorado -- change in bank control of FarmBank 

Holding and its subsidiary, First FarmBank, Greeley.

Kansas City

- Permitted, May 15, 2013

Friendswood Capital Corporation, Friendswood, Texas -- change in bank control of 

Friendswood Capital Corporation and its subsidiary, Texan Bank, Sugar Land.

Dallas

- Permitted, May 16, 2013

Independence Bancshares, Inc., Greenville, South Carolina -- change in bank control 

of Independence Bancshares and its subsidiary, Independence National 

Bank, Greenville.

Richmond

- Permitted, May 13, 2013

Johnson Financial Group, Inc., Racine, Wisconsin -- change in bank control of 

Johnson Financial Group and its subsidiary, Johnson Bank, Racine.

Chicago

- Permitted, May 14, 2013

LWCBancorp, Inc., New Lenox, Illinois -- change in bank control of LWCBancorp 

and its subsidiary, LincolnWay Community Bank, New Lenox.

Chicago

- Permitted, May 16, 2013

H.2 Actions under delegated authority May 12, 2013 to May 18, 2013

(A/C) = Addition or Correction Delegated - 4 of 6
Change in Bank Control

NI Bancshares Corporation, Sycamore, Illinois -- to retain control of NI Bancshares 

Corporation and its subsidiary, The National Bank & Trust Company, Sycamore.

Chicago

- Permitted, May 17, 2013

One Corporation, New Richmond, Wisconsin -- to retain control of One Corporation 

and its subsidiary, First National Community Bank, New Richmond.

Minneapolis

- Permitted, May 14, 2013

PSB Financial Shares, Inc., Prinsburg, Minnesota -- change in bank control of PSB 

Financial Shares and its subsidiary, PrinsBank, Prinsburg.

Minneapolis

- Permitted, May 17, 2013

Southern Illinois Bancorp, Inc., Carmi, Illinois -- to retain control of Southern Illinois 

Bancorp and its subsidiary, The First National Bank of Carmi, Carmi.

St. Louis

- Permitted, May 15, 2013

Extensions of Time

Baylake Corp., Sturgeon Bay, Wisconsin -- extension to May 27, 2013, to provide, 

through its subsidiary, Admiral Asset Management, LLC, Green Bay, investment 

advisory services to customers of Baylake Bank, Sturgeon Bay.

Chicago

- Granted, May 13, 2013

H.2 Actions under delegated authority May 12, 2013 to May 18, 2013

(A/C) = Addition or Correction Delegated - 5 of 6
Financial Holding Companies 

Lakeland Bancorp, Inc., Oak Ridge, New Jersey -- election to become a financial 

holding company.

New York

- Effective, May 17, 2013

International Operations

State Street Bank and Trust Company, Boston, Massachusetts, and State Street 

International Holdings -- waiver of remainder of prior-notice period to invest in State 

Street Bank GmbH, Munich, Germany, and for State Street Bank GmbH to establish 

a branch in Krakow, Poland.

Director, BS&R

- Granted, May 15, 2013

Membership

Citizens Bank of Kansas, National Association, Kingman, Kansas -- to retain 

membership in the Federal Reserve System on conversion from a national to a state 

charter.

Kansas City

- Approved, May 16, 2013

Savings and Loan Holding Companies

Sunnyside Bancorp, Inc., Irvington, New York -- to become a savings and loan 

holding company by acquiring Sunnyside Federal Savings and Loan Association of 

Irvington, Irvington, on its conversion from mutual to stock form.

Philadelphia

- Approved, May 16, 2013

H.2 Actions under delegated authority May 12, 2013 to May 18, 2013

(A/C) = Addition or Correction Delegated - 6 of 6
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending May 18, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Greenfield Co-operative Bank, 06/01/2013

Greenfield, Massachusetts, to establish a 

branch at 176 Avenue A, Turners Falls, 

Massachusetts, pursuant to Section 208.6 of 

Regulation H.

GREENFIELD CO-OPERATIVE 

BANK

* Subject to the provisions of the Community Reinvestment Act
District: 1

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending May 18, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

PWI Not applicable

Not applicable

Goldman Sachs Bank USA, New York, New 

York, to make a public welfare investment.

GOLDMAN SACHS BANK USA

Newspaper:

Federal Register:

* 3A1 06/10/2013

06/07/2013

Provident New York Bancorp, Inc., Montebello, 

New York ("Provident") to become a bank 

holding company upon the acquisition and 

merger of Sterling Bancorp, New York, New 

York, with and into Provident, and thereby 

indirectly acquire its subsidiary bank, Sterling 

National Bank, New York, New York. Provident 

intends to convert its subsidiary savings 

association, Provident Bank, Montebello, New 

York, into a national bank and merge Sterling 

National Bank into Provident Bank.

PROVIDENT NEW YORK 

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 May 18, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Riverview Financial Corp, Marysville,PA to 

acquire 100 percent of Union Bancorp, Inc. 

Pottsville, PA.

RIVERVIEW FINANCIAL 

CORPORATION

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending May 18, 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 May 18, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

EagleBank, Bethesda, Maryland, to establish a 05/30/2013

branch location at 7815 Woodmont Avenue, 

Bethesda, Maryland.

EAGLEBANK

Newspaper:

Federal Register:

* 3A5

4c8

06/09/2013

06/10/2013

SCBT Financial Corporation, Columbia, South 

Carolina, to acquire 100% of the voting 

securities of First Financial Holdings, Inc., 

Charleston, South Carolina, and thereby 

indirectly acquire First Federal Bank, 

Charleston, South Carolina.

SCBT FINANCIAL 

CORPORATION

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending May 18, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 06/17/2013

06/13/2013

HCBF Holding Company, Inc., Palm City, 

Florida, to acquire BSA Financial Services, Inc., 

and its subsidiary, Bank of St. Augustine, both 

of St. Augustine, Florida, and thereby engage in 

operating a savings association, pursuant to 

section 225.28(b)(4)(ii) of Regulation Y and 

section 4(c)(8) of the Bank Holding Company 

Act.

HCBF HOLDING COMPANY, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Progress Financial Corporation, notice to 

become a bank holding company by acquiring 

100 percent of the outstanding shares of 

Progress Bank and Trust, both of Huntsville, 

Alabama.

PROGRESS 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 May 18, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

North Shore Community Bank and Trust, 06/03/2013

Wilmette, Illinois, to establish a branch located 

at 2814 West Fullerton Avenue, Chicago, 

Illinois.

NORTH SHORE COMMUNITY 

BANK & TRUST COMPANY

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending May 18, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 

establish a branch facility to be located at 2389 

N. College Avenue, Fayetteville, Arkansas.

ARVEST BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Sigma Holdings, Inc., Little Rock, Arkansas, to 

become a bank holding company by acquiring 

100 percent of The Bank of Rison, Rison, 

Arkansas.

SIGMA HOLDINGS INC

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending May 18, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

06/07/2013

Northern Michigan Corporation, Escanaba, 

Michigan, proposes to indirectly acquire 

(through Northern Michigan Service 

Corporation, Escanaba, Michigan, a 

wholly-owned subsidiary of Northern Michigan 

Bank & Trust, Escanaba, Michigan, which is a 

wholly-owned subsidiary of notificant) 50 

percent of the voting equity of LDC 

Acquisition, LLC, Marquette, Michigan, a 

Michigan limited liability company, which 

proposes to purchase all of the outstanding 

capital stock of Lasco Development 

Corporation, Marquette, Michigan.

NORTHERN MICHIGAN 

CORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

06/07/2013

Peoples State Bancorp, Inc., Munising, 

Michigan, proposes to acquire indirectly 

(through its wholly-owned subsidiary Peoples 

State Bank of Munising, Munising, Michigan), 

50 percent of the voting equity of LDC 

Acquisition, LLC, Marquette, Michigan, which 

proposes to purchase all of the outstanding 

capital stock of Lasco Development 

Corporation, Marquette, Michigan.

PEOPLES STATE BANCORP, 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 May 18, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Adams Bank and Trust, Ogallala, Nebraska, to 05/31/2013

establish a branch at 3221 South Jeffers Street, 

North Platte, Nebraska.

ADAMS BANK & TRUST

Newspaper:

Federal Register:

* Branch

Not applicable

Alterra Bank, Overland Park, Kansas, to 05/30/2013

establish a branch at 11120 West 135th Street, 

Overland Park, Kansas.

ALTERRA BANK

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Citizens Bank of Kansas, N.A., Kingman, 

Kansas, to retain its membership in the Federal 

Reserve System following its conversion from a 

national to a state charter.

CITIZENS BANK OF KANSAS, 

NATIONAL ASSOCIATION

Newspaper:

Federal Register:

CIC 05/28/2013

05/28/2013

Notification by Jerry K. Anderson, acting as 

Plan Administrator of the Commerce Bank and 

Trust Holding Company Employee Stock 

Ownership Plan, to retain control of Commerce 

Bank and Trust Holding Company, parent of 

CoreFirst Bank & Trust, all of Topeka, Kansas.

COMMERCE BANK AND TRUST 

HOLDING COMPANY

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending May 18, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

First National Bank in Whitney, Whitney, 

Texas, to become a member of the Federal 

Reserve System through the conversion from a 

national bank charter.

FIRST NATIONAL BANK IN 

WHITNEY

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Frost Bank, San Antonio, Texas, to establish a 

branch to be located at 9300 Kirby Drive, Suite 

600, Houston, Texas 77054.

FROST BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Pioneer Bancshares, Inc., Dripping Springs, 

Texas, to become a bank holding company by 

acquiring 100 percent of Pioneer Bank, State 

Savings Bank, Dripping Springs, Texas.

PIONEER BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Ray Mark Bain, Lubbock, Texas, 

individually, as co-trustee of the RMB 2012 

Family Trust, trustee of the Ray Mark Bain 2007 

Trust, and trustee of the Ray Mark Bain 

Children's Trust; Michael Lewis Bain, Canyon, 

Texas, individually, as co-trustee of the RMB 

2012 Family Trust, trustee of the Michael L. Bain 

2007 Trust, and trustee of the Michael L. Bain 

Children's Trust; and Nancy Bain Seybert, 

Perryton, Texas, individually, as trustee of the 

Nancy Bain Seybert 2007 Trust, and trustee of 

the Nancy Bain Seybert Children's Trust; 

Dimmitt, Texas; collectively a group acting in 

concert, to control, retain and acquire greater 

than 25 percent of Plains Bancorp, Inc., Dimmitt, 

Texas, and therefore, indirectly, First United 

Bank, Dimmitt, Texas.

PLAINS BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Southwest Bank, Fort Worth, Texas, to 05/20/2013

establish a branch to be located at 5151 Beltline 

Road, Suite 600, Dallas, Texas 75254.

SOUTHWEST 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 May 18, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

CITIC Group Corporation and CITIC Limited, 

both of Bejing, The People's Republic of China, 

to indirectly acquire CLSA Americas, LLC, New 

York, New York, and thereby engage in certain 

permissible nonbanking activities under Section 

225.28(b)(6) and b(7) of Regulation Y.

CITIC GROUP CORPORATION

* 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