Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 14 

Week Ending April 2, 2011

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

First Niagara Financial Group, Buffalo, New York, and FNFG Merger Sub, Inc. -- 

application to acquire New Alliance Bancshares, Inc., New Haven, Connecticut, and 

its subsidiary bank, NewAlliance Bank.

- Approved, March 31, 2011

Monetary and Financial Policy

American International Group, Inc., New York, New York -- process for disposition 

of assets held by Maiden Lane II, LLC.

- Approved, March 29, 2011

Term Deposit Facility -- TDF auction of $5 billion in 28-day term deposits on

April 4, 2011.

- Announced, March 30, 2011

Personnel

Division of Reserve Bank Operations and Payment Systems -- appointment of Jeff 

Stehm as senior associate director; Susan Foley as associate director; Michael 

Lambert as deputy associate director; and Jennifer Lucier and Stuart Sperry as 

assistant directors.

- Announced, March 29, 2011

Regulations and Policies

Credit Risk Retention -- publication for comment of proposed interagency rules 

requiring sponsors of asset-backed securities to retain a percentage of the credit risk 

of the assets underlying the securities, in accordance with the Dodd-Frank Act.

- Approved, March 28, 2011

H.2 Board Actions March 27, 2011 to April 2, 2011

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

Incentive Compensation -- publication for comment of interagency proposed rule on 

incentive compensation arrangements at covered financial institutions, in accordance 

with the Dodd-Frank Act. 

- Approved, March 3, 2011

(A/C)

Regulation HH (Financial Market Utilities) -- publication for comment of a proposed 

rule related to the supervision of systemically important financial market utilities, in 

accordance with the Dodd-Frank Act.

- Proposed, March 28, 2011

Enforcement

First American International Corporation, Brooklyn, New York -- written agreement 

with the Federal Reserve Bank of New York.

- Announced, March 29, 2011

First Financial Holding Co., Ltd., Taipei, Taiwan; First Commercial Bank, Ltd.; and 

First Commercial Bank Los Angeles Branch, Los Angeles, California -- written 

agreement with the Federal Reserve Bank of San Francisco and the State of 

California Department of Financial Institutions.

- Announced, March 31, 2011

H.2 Board Actions March 27, 2011 to April 2, 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

March 27, 2011 to April 2, 2011

Bank Branches, Domestic

Bank of Hawaii, Honolulu, Hawaii -- to retroactively establish agency offices at 4211 

Waialae Avenue, Suite 200, Honolulu, and 4421 Kukui Grove Street, Lihue.

San Francisco

- Approved, March 31, 2011

Evolve Bank & Trust, West Memphis, Arkansas -- to establish a branch at 6070 

Poplar Avenue, Suite 100, Memphis, Tennessee.

St. Louis

- Approved, March 31, 2011

Southern Bancorp Bank, Arkadelphia, Arkansas -- to establish a branch at 1888 Main 

Street Crossing, Suite D, Madison, Mississippi.

St. Louis

- Approved, March 29, 2011

Town & Country Bank, Springfield, Illinois -- to establish a branch at 445 North 

Franklin Street, Decatur.

Chicago

- Approved, March 30, 2011

Bank Holding Companies

Bridge Capital Holdings, San Jose, California -- to form a wholly owned subsidiary, 

Bridge Asset Management, Inc., San Jose, to engage in extending credit and 

servicing loans.

San Francisco

- Approved, March 31, 2011

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

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

Community Bank of Rowan, Salisbury.

Richmond

- Approved, March 31, 2011

Western State Agency, Inc., Employee Stock Ownership Plan and Trust, Devils 

Lake, North Dakota -- to become a bank holding company and to acquire shares of 

Western State Agency, Devils Lake, and thereby indirectly acquire Western State 

Bank.

Minneapolis

- Approved, March 30, 2011

Bank Mergers

StellarOne Bank, Christiansburg, Virginia -- to assume certain liabilities of the 

Lexington branch of Essex Bank, Tappahannock.

Richmond

- Approved, March 30, 2011

The Union State Bank of Everest, Everest, Kansas -- to merge with Bank of 

McLouth, McLouth, and thereby establish a branch.

Kansas City

- Withdrawn, March 29, 2011

Change in Bank Control

Citizens Bancorp of Winfield, Inc., Winfield, Alabama -- to retain control of Citizens 

Bancorp and its subsidiary bank, Citizens Bank of Winfield.

Atlanta

- Permitted, April 1, 2011

H.2 Actions under delegated authority March 27, 2011 to April 2, 2011

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

Federal Reserve Bank of Boston

Filings received during the week ending April 2, 2011

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending April 2, 2011

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 April 2, 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 April 2, 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 April 2, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

04/21/2011

Carroll Bancorp, Inc., Sykesville, Maryland, to 

become a bank holding company through the 

acquisition of 100% of the voting stock of 

Carroll Community Bank, Sykesville, Maryland, 

upon its conversion from a mutual state savings 

bank to a state-chartered stock commercial 

bank.

CARROLL BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

First Virginia Community Bank, Fairfax, Virginia, 04/11/2011

to establish a branch at 11260 Roger Bacon 

Drive, Suite 101, Reston, Virginia

FIRST VIRGINIA COMMUNITY 

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 April 2, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

IBERIABANK, Lafayette, Louisiana, to merge 04/29/2011

with Cameron State Bank, Lake Charles, 

Louisiana.

IBERIABANK

* 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 April 2, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Bank Midwest, Spirit Lake, Iowa, to merge with 

Farmers State Bank of Sherburn, Sherburn, 

Minnesota. As a result of the merger, Bank 

Midwest will establish a branch office at 33 

North Main Street, Sherburn, Minnesota.

BANK MIDWEST

Newspaper:

Federal Register:

CIC 03/27/2011

03/30/2011

Notice by Gary W. Melvin, Alex J. Melvin, 

David W. Melvin and Laura A. Voyles, each of 

Sullivan, Illinois, as a group acting in concert, to 

acquire more than 10 percent of the voting 

shares of First Mid-Illinois Bancshares, Inc., 

Mattoon, Illinois, and thereby indirectly control 

First Mid-Illinois Bank & Trust, National 

Association, Mattoon, Illinois.

FIRST MID-ILLINOIS 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1

4c8

04/15/2011

04/14/2011

Home Financial Bancorp, Spencer, Indiana, to 

become a bank holding by acquiring 100 percent 

of the voting shares of Owen Community Bank, 

s.b., Spencer, Indiana, and also, proposes to 

engage in insurance agency activities through 

its subsidiary, OCB Insurance Agency, Inc., 

Spencer, Indiana.

HOME FINANCIAL BANCORP

Newspaper:

Federal Register:

CIC 03/18/2011

04/21/2011

Notice by Ralph C. Stayer, Naples, Florida, 

individually, and Ralph C. Stayer together with 

Shelly A. Stayer, Naples, Florida, the RFS 2010 

Irrevocable Trust F/B/O Ralph C. Stayer, the 

Shelly A. Stayer 2010 Childrens Trust, Michael 

G. Kuechler and Mary A. Kuechler, Fond du 

Lac, Wisconsin, Michael G. Kuechler and Ralph 

C. Stayer as trustees of the RFS 2010 

Irrevocable Trust F/B/O Ralph C. Stayer, and 

Michael G. Kuechler and Mary A. Kuechler as 

trustees of the Shelly A. Stayer 2010 Childrens 

Trust, as a group acting in concert, to acquire 10 

percent or more of the voting shares of 

Hometown Bancorp, Ltd., Fond du Lac, 

Wisconsin, and thereby indirectly acquire 

control of Hometown Bank, Fond du Lac, 

Wisconsin.

HOMETOWN BANCORP, LTD.

Newspaper:

Federal Register:

CIC 04/20/2011

04/04/2011

Notice by Lucinda Hill Alden, Los Angeles, 

California, as trustee for The Gilbert D. Hill 

Descendant's Trust, The Roberta E. Hill 

Descendant's Trust, The Julie Hill Irrevocable 

Trust Dated April 7, 2003, and the Lucinda Hill 

Irrevocable Trust Dated April 7, 2003, all of Los 

Angeles, California, to retain control of Newell 

Bancshares, Inc., Newell, Iowa, and thereby 

indirectly control First Community Bank, Newell, 

Iowa.

NEWELL BANCSHARES, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Northwest Bank, Spencer, Iowa, to become a 

member in the Federal Reserve System following 

its conversion from a federal savings 

association to an state chartered state bank.

NORTHWEST BANK

* 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 April 2, 2011

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 April 2, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/15/2011

Notice by Stuart James Sneer, Mankato, 

Minnesota, as a trustee of three Sneer Family 

trusts to individually acquire control of 25% or 

more of Farmers State Corporation, Mankato, 

Minnesota, and thereby indirectly acquire 

control of United Prairie Bank, Mountain Lake, 

Minnesota. Notice by Jeffrey Lee Weldon, 

Mankato, Minnesota, as a trustee of four Sneer 

Family trusts to individually acquire control of 

25% or more of Farmers State Corporation, 

Mankato, Minnesota, and thereby indirectly 

acquire control of United Prairie Bank, 

Mountain Lake, Minnesota. Notices by Jennifer 

Susan Johnson, Chanhassen, Minnesota, as 

trustee of three Sneer Family trusts, the Stuart 

James Sneer Revocable Trust, the Stuart James 

Sneer Irrevocable Trust I, the Stuart James 

Sneer Irrevocable Trust II, the Jennifer Susan 

Johnson Revocable Trust, the Jennifer Susan 

Johnson Irrevocable Trust I, and the Jennifer 

Susan Johnson Irrevocable Trust II, all of 

Mankato, Minnesota, to join the James and 

Susan Sneer Family Group which controls 25% 

or more of Farmers State Corporation, Mankato, 

Minnesota, and thereby indirectly controls 

United Prairie Bank, Mountain Lake, Minnesota.

FARMERS STATE 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Retroactive notice by Riki Rae Davidson, Devin 

Scott, Kayla Scott, Shad Scott, and Shann Scott, 

all of Billings, Montana, individually; First 

Interstate Bank as trustee of three separate 

Scott family trusts; Sandra Suzor as Voting 

Agent of five separate Scott family trusts; 

Susan Baker as Voting Agent of one Scott 

family trust; and as co-trustee of one Scott 

family trust; Homer Rollins Scott as Voting 

Agent of two separate Scott family trusts; and 

Charles Heyneman as Voting Agent of two 

separate Scott family trusts, for approval to join 

the Scott Family Group, which controls 25 

percent or more of First Interstate BancSystem, 

Inc., Billings, Montana, and thereby indirectly 

controls First Interstate Bank, Billings, 

Montana.

FIRST INTERSTATE 

BANCSYSTEM, INC.

Newspaper:

Federal Register:

CIC 04/12/2011

04/11/2011

Change in Control Notice by Najib G. 

Schlosstein, Arcadia, Wisconsin, to acquire 25 

percent or more of the shares of GEBSCO, 

Mondovi, Wisconsin, and thereby indirectly 

gain control of Alliance Bank, Mondovi, 

Wisconsin. In addition, Castlerock Museum, 

Inc., Alma, Wisconsin, to retain shares of 

GEBSCO, Mondovi, Wisconsin, and thereby 

join the Schlosstein Family Group which 

controls 25 percent or more of GEBSCO, 

Mondovi, Wisconsin.

GEBSCO, 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 April 2, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notification by Paul R. Boeding and Marilyn E. 

Boeding, both of Seneca, Kansas, to acquire 

control of Baileyville Bancshares, Inc., parent of 

Baileyville State Bank, both in Seneca, Kansas.

BAILEYVILLE BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

InterBank, Oklahoma City, Oklahoma, to merge 

with First National Bank of Borger, Panhandle, 

Texas, and incident thereto, to establish a 

branch.

INTERBANK

Newspaper:

Federal Register:

CIC Not available

Not available

Notification by Todd L. Sutherland, Lawrence, 

Kansas, individually and as trustee of the Todd 

L. Sutherland 2005 Revocable Trust, to acquire 

control of Lawrence Financial Corporation, 

parent of The University National Bank of 

Lawrence, both in Lawrence, Kansas.

LAWRENCE FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC 04/30/2011

04/11/2011

Notification by James E. Landen, Omaha, 

Nebraska, as trustee of the Mary M. Huerter 

Irrevocable Trust; the Megan L. Huerter 

Irrevocable Trust; the James V. Huerter III 

Irrevocable Trust; the Rebecca F. Huerter 

Irrevocable Trust; the Thomas L. Huerter 

Irrevocable Trust; the Mary C. Landen 

Irrevocable Trust; the Clarence L. Landen IV 

Irrevocable Trust; the Kelly A. Landen 

Irrevocable Trust; the Elizabeth L. Kerr 

Irrevocable Trust; the Jordan M. Kerr 

Irrevocable Trust; and the J. Michael Kerr Jr. 

Irrevocable Trust, all of Omaha, Nebraska, to 

retain control of Security National Corporation, 

Omaha, Nebraska, parent of Security National 

Bank of Omaha, Omaha, Nebraska.

SECURITY NATIONAL 

CORPORATION

* 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 April 2, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Comerica Bank, Dallas, Texas, to merge with 03/27/2011

Sterling Bank, Houston, Texas; and to establish 

the 61 offices of Sterling Bank, Houston, Texas, 

as branches of Comerica Bank, Dallas, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* 3A3 04/23/2011

04/22/2011

VB Texas, Inc., Houston, Texas, to acquire 100 

percent of Founders Bank, SSB, Sugar Land, 

Texas, by merging Vista Bank Texas, Houston, 

Texas, its wholly owned subsidiary, with 

Founders Bank, SSB.

VB TEXAS, 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 April 2, 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:

CIC Not available

03/09/2011

Michael Fayne Rosinus, of Winnetka, Illinois, to 

acquire 0.11 percent of the voting shares of 

Cascade Bancorp, and thereby indirectly 

acquire voting shares of Bank of the Cascades, 

both of Bend, Oregon, and join with BOTC 

Holdings LLC with respect to its investment in 

Cascade Bancorp, resulting in a total collective 

acquisition of 24.46% of the voting shares of 

Cascade Bancorp.

CASCADE BANCORP

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notice of Change in Control by 

Wheatland Bank Employee Stock Ownership 

Plan to retain control of 23.71 percent of the 

voting shares of Community Financial Group, 

Inc., and indirectly Wheatland Bank, all of 

Spokane, Washington.

COMMUNITY FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notice of Change in Control 

bySusan Marie Horton, Cheney, Washington, 

and immediate family members, Rose and 

Raymond Pittman, Cheney, Washington, Ted D. 

Rhodes, Cheney, Washington, and Wheatland 

Bank ESOP, Spokane, Washington, acting in 

concert to retain control of 22.13 percent of the 

voting shares of Community Financial Group, 

Inc., and indirectly Wheatland Bank, both of 

Spokane, Washington.

COMMUNITY FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

Foreign Branch Not applicable

Not applicable

East West Bank, Pasadena, California, has 

applied to establish a foreign branch in Taipei, 

Taiwan, pursuant to the 30-day prior notice 

procedure in section 211.3(b)(2) of Regulation 

K.

EAST WEST BANK

Newspaper:

Federal Register:

* 3A1 Not available

04/25/2011

Home Federal Bancorp, Inc., to become a bank 

holding company by acquiring 100 percent of 

Home Federal Bank, both of Nampa, Idaho.

HOME FEDERAL BANCORP, 

INC.

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.

* 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