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 14, 2011

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

Systemic Risk and Financial Stability -- statement by Chairman Bernanke before the 

Senate Committee on Banking, Housing, and Urban Affairs on the Federal Reserve's 

role in monitoring systemic risk and promoting financial stability.

- Published, May 12, 2011

Bank Holding Companies

Hancock Holding Company, Gulfport, Mississippi -- to acquire Whitney Holding 

Corporation, New Orleans, Louisiana, and indirectly acquire Whitney National Bank.

- Approved, May 10, 2011

Forms

Forms -- final Board review to extend without revision the disclosure requirements of 

Regulation DD (Truth in Savings).

- Approved, May 9, 2011

Personnel

Office of Inspector General -- appointment of Elise M. Ennis as acting inspector 

general.

- Announced, May 10, 2011

Regulations and Policies

Regulation E (Electronic Fund Transfers) -- publication for comment of amendments 

to implement provisions of the Dodd-Frank Act that provide new protections, 

disclosures, and error resolution rights for consumers who send remittance transfers 

to recipients in foreign countries.

- Approved, May 11, 2011

H.2 Board Actions May 8, 2011 to May 14, 2011

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

HCSB Financial Corporation, Loris, South Carolina -- written agreement with the 

Federal Reserve Bank of Richmond.

- Announced, May 12, 2011

Johnson Financial Group, Inc., Racine, Wisconsin, and Johnson Bank -- written 

agreement with the Federal Reserve Bank of Chicago and the State of Wisconsin 

Department of Financial Institutions.

- Announced, May 12, 2011

Liberty Shares, Inc., Hinesville, Georgia -- written agreement with the Federal 

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

- Announced, May 12, 2011

Metropolitan Bank Group, Inc., Chicago, Illinois -- written agreement with the 

Federal Reserve Bank of Chicago.

- Announced, May 12, 2011

Mid-Wisconsin Financial Services, Inc., Medford, Wisconsin -- written agreement 

with the Federal Reserve Bank of Minneapolis.

- Announced, May 12, 2011

H.2 Board Actions May 8, 2011 to May 14, 2011

(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

OSD Office of Staff Director

May 8, 2011 to May 14, 2011

Bank Holding Companies

First Connecticut Bancorp, Inc., Farmington, Connecticut -- to acquire Farmington 

Bank, Farmington, in connection with the holding company's conversion from 

mutual to stock form.

Boston

- Approved, May 10, 2011

Home Federal Bancorp, Inc., Nampa, Idaho -- to become a bank holding company 

and to acquire Home Federal Bank, Nampa.

San Francisco

- Approved, May 13, 2011

Piedmont Community Bank Holdings, Inc., Raleigh, North Carolina -- to engage in 

lending and credit-related activities through its subsidiary, VantageSouth Holdings, 

LLC, Raleigh.

Richmond

- Approved, May 13, 2011

SC Acquisition Corporation, Cullman, Alabama -- to become a bank holding 

company and to acquire First Federal Savings & Loan Association, Cullman.

Atlanta

- Approved, May 13, 2011

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

InterBank, Oklahoma City, Oklahoma -- to merge with First National Bank of 

Borger, Panhandle, Texas, and thereby establish a branch.

Kansas City

- Approved, May 13, 2011

Luzerne Bank, Luzerne, Pennsylvania -- to purchase certain assets and assume the 

liabilities of the Hazle Township Branch of First Columbia Bank and Trust 

Company, Bloomsburg, and to invest in bank premises.

Philadelphia

- Approved, May 13, 2011

Bank Premises

The Bank of New York Mellon, New York, New York -- to increase its investment in 

bank premises.

New York

- Withdrawn, May 12, 2011

Change in Bank Control

Bank of Idaho Holding Co., Idaho Falls, Idaho -- to retain control of Bank of Idaho 

Holding and its subsidiary bank, The Bank of Idaho, Idaho Falls.

San Francisco

- Permitted, May 13, 2011

Farmers State Corporation, Mankato, Minnesota -- change in bank control of Farmers 

State and its subsidiary bank, United Prairie Bank, Mountain Lake.

Minneapolis

- Permitted, May 13, 2011

H.2 Actions under delegated authority May 8, 2011 to May 14, 2011

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

Newell Bancshares, Inc., Newell, Iowa -- to retain control of Newell and its 

subsidiary bank, First Community Bank, Newell.

Chicago

- Permitted, May 13, 2011

Financial Holding Companies 

Bancorp of Montana Holding Company, Missoula, Montana -- election to become a 

financial holding company.

Secretary

- Effective, May 12, 2011

International Operations

First Midwest Bank, Itasca, Illinois -- to establish Calumet Investment Corporation, 

Itasca, as an agreement corporation, and for Calumet to retain an initial investment in 

Calumet Investment Ltd., Hamilton, Bermuda.

Director, BS&R

- Approved, May 13, 2011

The Northern Trust International Banking Corporation, Jersey City, New Jersey -- 

waiver of remainder of prior-notification period to invest through its subsidiary, 

Northern Trust (Ireland) Limited, Dublin, Ireland, in Bank of Ireland Securities 

Services, Limited; Bank of Ireland Nominees Limited; IBI Nominees Limited; and 

IBI Property Nominees Limited.

Director, BS&R

- Granted, May 12, 2011

H.2 Actions under delegated authority May 8, 2011 to May 14, 2011

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

Fordyce Bank & Trust Co., Fordyce, Arkansas -- to become a member of the Federal 

Reserve System.

St. Louis

- Approved, May 9, 2011

H.2 Actions under delegated authority May 8, 2011 to May 14, 2011

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

Federal Reserve Bank of Boston

Filings received during the week ending May 14, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 06/02/2011

Lowell Five Bancorp, MHC and Lowell Five 

Bancorp, Inc., both of Lowell, Massachusetts, 

to become a mutual bank holding company and 

a stock bank holding company, respectively, by 

acquiring The Lowell Five Cents Savings Bank, 

Lowell, Massachusetts, pursuant to sections 

3(a)(1) and 3(a)(3) of the Bank Holding 

Company Act of 1956, as amended.

LOWELL FIVE BANCORP MHC

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 05/31/2011

Newburyport Five Cents Bancorp, MHC and 

Newburyport Five Cents Bancorp, Inc., both of 

Newburyport, Massachusetts, to become a 

mutual bank holding company and a stock bank 

holding company, respectively, by acquiring 

Newburyport Five Cents Savings Bank, 

Massachusetts, pursuant to sections 3(a)(1) 

and 3(a)(3) of the Bank Holding Company Act 

of 1956, as amended.

NEWBURYPORT FIVE CENTS 

BANCORP MHC

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Application by Walpole Co-operative Bank, 

Walpole, Massachusetts, to become a member 

of the Federal Reserve System pursuant to 

section 9 of the Federal Reserve Act and 

section 208.3 of Regulation H.

WALPOLE 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 14, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco BPI, S.A., Porto, Portugal, to establish 

representative offices in Newark, New Jersey 

and Fall River, Massachusetts, pursuant to 

Section 10(a) of the International Banking Act 

of 1978, as amended and Section 211.24(a)(1) of 

Regulation K.

Banco BPI, S.A.

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

The Bank of New York Mellon, New York, New 

York, proposes to increase its investment in 

bank premises.

BANK OF NEW YORK MELLON, 

THE

* 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 14, 2011

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 May 14, 2011

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 14, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Great State Bank, Wilkesboro, North Carolina, to 

become a state member bank.

GREAT STATE BANK

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Bank (USA), Raleigh, North Carolina, to 05/06/2011

establish a branch at 3401 Raleigh Road, 

Wilson, North Carolina

RBC BANK (USA)

* 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 14, 2011

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 14, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Richard F. Levy, Riverwoods, Illinois, 

as Trustee of the Eugene P. Heytow Trust, 

dated March 23, 1988, as amended, to acquire 

more than 25 percent of the voting shares of 

Amalgamated Investments Company, Chicago, 

Illinois, and thereby indirectly control 

Amalgamated Bank of Chicago, Chicago, 

Illinois.

AMALGAMATED 

INVESTMENTS COMPANY

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

American State Bank, Osceola, Iowa, to 05/27/2011

purchase certain assets and assume the 

deposits of the Winterset branch office of 

Exchange State Bank, Adair, Iowa. American 

State Bank will thereby establish a branch office 

at 113 S. John Wayne Drive, Winterset, Iowa.

AMERICAN STATE BANK

Newspaper:

Federal Register:

* 3A1 Not available

06/06/2011

North Central Bancshares,Inc., Fort Dodge, 

Iowa, to become a bank holding company 

following the conversion its subsidiary, First 

Federal Savings Bank of Iowa, Fort Dodge, 

Iowa, from a federally chartered savings bank to 

a state chartered bank.

NORTH CENTRAL 

BANCSHARES, INC.

Newspaper:

Federal Register:

4c8 Not applicable

05/27/2011

Wintrust Financial Corporation, Lake Forest, 

Illinois, to acquire 100 percent of the voting 

shares of Great Lakes Advisors, Inc., Chicago, 

Illinois, and thereby engage in financial and 

investment advisory activities.

WINTRUST FINANCIAL 

CORPORATION

* 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 14, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 05/20/2011

establish a branch facility to be located at 911 

NE Sam Walton Lane, Lee's Summit, Missouri.

ARVEST BANK

Newspaper:

Federal Register:

* 3A3 06/13/2011

05/20/2011

Canton Bancshares, Inc., Hannibal, Missouri, to 

acquire 100 percent of Canton State Bank, 

Canton, Missouri.

CANTON BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Centennial Bank, Conway, Arkansas to 05/19/2011

establish a mobile branch in Bay, Calhoun, 

Franklin, Gulf, Lake, Leon, Liberty, Orange, and 

Seminole counties. All counties are located in 

Florida.

CENTENNIAL BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Centennial Bank, Conway, Arkansas, to 05/26/2011

establish a mobile branch in Wakulla County, 

Florida.

CENTENNIAL BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Southern Bank, Poplar Bluff, Missouri, to 05/22/2011

establish a branch facility to be located at 4650 

South National, Suite C-4, Springfield, Missouri.

SOUTHERN BANK

* 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 14, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 05/16/2011

06/01/2011

Change in Control Notice by Brian P. Short, St. 

Paul, Minnesota; Carolyn P. Short, Flourtown, 

Pennsylvania; and Marianne D. Short, St. Paul, 

Minnesota; individually and as trustees of 

fourteen Short family trusts, to retain 25 percent 

or more of the voting shares and thereby 

control of 215 Holding Company, Minneapolis, 

Minnesota. Kevin J. Short, Mahtomedi, 

Minnesota; Elizabeth J. Short, University 

Heights, Ohio; Colleen V. Short, Edina, 

Minnesota; and the trustees (Marion D. Short, 

Edina, Minnesota; Brian P. Short; Carolyn P. 

Short; and Marianne D. Short) on behalf of one 

or more of seventeen Short family trusts to join 

the Short Family Group, which controls 25 

percent or more of the voting shares of 215 

Holding Company, and thereby indirectly retain 

control of First Farmers & Merchants National 

Bank, Luverne, Minnesota; First Farmers & 

Merchants National Bank, Fairmont, Minnesota; 

First Farmers & Merchants State Bank, 

Brownsdale, Minnesota; First Farmers & 

Merchants State Bank of Grand Meadow, Grand 

Meadow, Minnesota; First Farmers & 

Merchants National Bank, Le Sueur, Minnesota; 

and White Rock Bank, Cannon Falls, 

Minnesota.

215 HOLDING CO.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Western Bank & Trust, Minot, North 

Dakota, to merge with First Western Bank & 

Trust, Eden Prairie, Minnesota, and incident 

thereto proposes to establish a branch at 100 

Prairie Center Drive, Eden Prairie, Minnesota.

FIRST WESTERN BANK AND 

TRUST

Newspaper:

Federal Register:

* 3A5 Not available

06/06/2011

Leackco Bank Holding Company, Inc., Wolsey, 

South Dakota, to acquire 100 percent of 

Kingsbury Bank Holding Company, De Smet, 

South Dakota, and thereby indirectly acquire 

Peoples State Bank, De Smet, South Dakota.

LEACKCO BANK HOLDING 

COMPANY, 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 14, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

05/20/2011

Notification by the O. Jay Tomson Revocable 

Trust, Ollie Jay Tomson, Mason City, Iowa, 

trustee, to retain control of FBHC Holding 

Company, parent of Flatirons Bank, both in 

Boulder, Colorado.

FBHC HOLDING COMPANY

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Interbank, Oklahoma City, Oklahoma, to 06/05/2011

purchase certain assets and assume certain 

liabilities of First Capital Bank, Guthrie, 

Oklahoma.

INTERBANK

Newspaper:

Federal Register:

CIC Not available

05/24/2011

Notification by Stanley D. Ostmeyer, Quinter, 

Kansas, to become trustee of the State Bank 

Employee Stock Ownership Plan, Hoxie, Kansas, 

and thereby acquire control of Prairie State 

Bancshares, Inc., parent of State Bank, both in 

Hoxie, Kansas.

STATE BANK EMPLOYEES 

STOCK OWNERSHIP PLAN

* 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 14, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

05/11/2011

Jonathan Ross Kasling of Hughes Springs, 

Texas, Individually; Mayo Givens Kasling III of 

Hughes Springs, Texas, Individually; Jonathan 

Ross Kasling of Hughes Springs, Texas; Mayo 

Givens Kasling III of Hughes Springs, Texas; 

Mayo Givens Kasling, Jr. of Hughes Springs, 

Texas and Mayo Givens Kasling, Jr. as Trustee 

for the Mayo G. Kasling III 1996 Trust and as 

Trustee for the Jonathan Ross Kasling 1996 

Trust; Rebecca Lynn Kasling of Hughes 

Springs, Texas; Mayo Givens Kasling, Sr. of 

Hughes Springs, Texas; Catherine Denise 

Kasling DeWitt of Hughes Springs, Texas; 

Misty Morgan Lake of Hughes Springs, Texas; 

Randall Marc Morgan of Hughes Springs, 

Texas; Sarah Virginia Kasling Shelton of 

Hughes Springs, Texas and Sarah Virginia 

Kasling as Trustee for the Ricky Dub Shelton Jr. 

1996 Trust and as Trustee for the Shelby 

Shelton 1996 Trust and as Trustee for the 

Trenton Shelton 1996 Trust; Roy Kemp Kasling 

of Austin, Texas and Roy Kemp Kasling as 

Trustee for the Alexandra Kasling 1996 Trust 

and as Trustee for the Natalie Kasling 1996 

Trust; all as members of the Kasling Family 

Group, intend to apply to the Federal Reserve 

Board for permission to retain control of 25 

percent or more of the shares of Chalybeate 

Springs Corporation, Hughes Springs, Texas 

and thereby indirectly retain control of The First 

National Bank of Hughes Springs, Hughes 

Springs, Texas.

CHALYBEATE SPRINGS 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

05/27/2011

Platinum Bancshares of Texas, Inc., Lubbock, 

Texas, to become a bank holding company by 

acquiring 100 percent of Platinum Bank, 

Lubbock, Texas.

PLATINUM BANCSHARES OF 

TEXAS, INC.

Newspaper:

Federal Register:

* 3A1 Not available

06/11/2011

Viewpoint Financial Group, Inc., Plano, Texas, to 

become a bank holding company by acquiring 

100 percent of ViewPoint Bank, National 

Association, Plano, Texas.

VIEWPOINT FINANCIAL 

GROUP, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending May 14, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Bank of Taiwan, Taipei, Taiwan, to upgrade its 

New York Agency to a branch office pursuant 

to section 211.24(a)(2)(ii)(a) of Regulation K and 

seciton 7(d) of FBSEA.

BANK OF TAIWAN

Newspaper:

Federal Register:

* 3A1 Not available

06/13/2011

1) BankGuam Holding Company, to become a 

bank holding company by acquiring 100 percent 

of Bank of Guam, both of Hagatna, Guam, and 

also 2) elects to become a financial holding 

company.

BANKGUAM HOLDING 

COMPANY

Newspaper:

Federal Register:

CIC 05/04/2011

04/28/2011

Interagency Notice of Change in Control by 

Wheatland Bank Employee Stock Ownership 

Plan, Spokane, Washington, and its trustees, 

Susan Marie Horton, Cheney, Washington; 

Dennis Dale Bly, Davenport, Washington; and 

Jayne Therese Deife, Marlin, Washington, for 

approval to retain 23.71 percent of the 

outstanding voting shares of Community 

Financial Group, Inc. and thereby indirectly 

Wheatland Bank, both of Spokane, 

Washington.

COMMUNITY FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

CIC 05/09/2011

04/28/2011

Interagency Notice of Change in Control by 

Susan Marie Horton, Cheney, Washington; 

Raymond Lee Pittman, Jr., Mesa, Arizona; Rosa 

Maria Pittman, Spokane, Washington; Ted 

Davis Rhodes, Spokane Valley, Washington; 

and Wheatland Bank Employee Stock 

Ownership Plan, Spokane, Washington, 

together a group acting in concert for approval 

to retain 22.13 percent of the outstanding shares 

of Community Financial Group, Inc. and thereby 

indirectly control Wheatland Bank, both of 

Spokane, Washington.

COMMUNITY FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Noticce of Change in Control by 

Castle Creek Capital IV, Castle Creek Advisors 

IV, LLC, Castle Creek Capital Partners IV, LP, 

John Eggemeyer, William Ruh, Mark Merlo, and 

Joseph Misesell Thomas, all of Rancho Santa 

Fe, California, to acquire up to 24.9 percent of 

Intermountain Community Bancorp, and thereby 

indirectly Panhandle State Bank, both of 

Sandpoint, Idaho.

INTERMOUNTAIN 

COMMUNITY BANCORP

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Noticce of Change in Control by 

Stadium Capital Partners, L.P., Stadium Capital 

Qualified Partners, L.P., Stadium Capital 

Management LLC, and John Welborn, all of 

Bend, Oregon, to acquire up to 24.9 percent of 

Intermountain Community Bancorp, and thereby 

indirectly Panhandle State Bank, both of 

Sandpoint, Idaho.

INTERMOUNTAIN 

COMMUNITY BANCORP

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

Federal Reserve Bank of San Francisco

Filings received during the week ending May 14, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

04/25/2011

Mitsubishi UFJ Financial Group, Inc., Tokyo, 

Japan, to acquire up to 24.9 percent of Morgan 

Stanley, New York, New York, and indirectly its 

subsidiaries, Morgan Stanley Capital 

Management LLC, New York, New York, 

Morgan Stanley Domestic Holdings, Inc., New 

York, New York, Morgan Stanley Bank, National 

Association, Salt Lake City, Utah, and Morgan 

Stanley Private Bank, National Association, 

Purchase, New York, pursuant to section 3(a)(3) 

of the Bank Holding Company Act.

MITSUBISHI UFJ FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

CIC 05/23/2011

05/23/2011

Larry Dale Williams, Boise, Idaho, to acquire up 

to approximately 49 percent of the voting shares 

of Syringa Bancorp, and thereby indirectly 

acquire voting shares of Syringa Bank, both of 

Boise, Idaho.

SYRINGA 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