Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 29 

Week Ending July 16, 2011

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

Mortgage Origination -- statement by Sandra F. Braunstein, director, Division of 

Consumer and Community Affairs, before a subcommittee of the House Committee 

on Financial Services on regulatory actions taken by the Board to address the recent 

challenges in the home mortgage market and to enhance consumer protections for 

homeowners.

- Published, July 13, 2011

Bank Holding Companies

Comerica Incorporated, Dallas, Texas -- to acquire Sterling Bancshares, Inc., 

Houston, and its subsidiary bank, Sterling Bank, and for Comerica's subsidiary bank, 

Comerica Bank, Dallas, to merge with Sterling Bank and thereby establish branches.

- Approved, July 13, 2011

Personnel

Division of Banking Supervision and Regulation -- appointment of Michael D. 

Solomon as associate director.

- Announced, July 12, 2011

Division of Monetary Affairs -- appointment of Fabio M. Natalucci as deputy 

associate director.

- Announced, July 12, 2011

Regulations and Policies

Debit Card Interchange Fees -- publication of lists of institutions subject to, and 

exempt from, the debit card interchange fee standards in Regulation II, which 

implements provisions of the Dodd-Frank Act.

- Announced, July 12, 2011

H.2 Board Actions July 10, 2011 to July 16, 2011

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

Regulation Q (Prohibition Against Payment of Interest on Demand Deposits) -- final 

rule repealing Regulation Q, effective July 21, 2011, in accordance with the 

Dodd-Frank Act.

- Approved, July 12, 2011

Enforcement

First of Huron Corp., Bad Axe, Michigan -- written agreement with the Federal 

Reserve Bank of Chicago.

- Announced, July 12, 2011

First Sentinel Bank, Richlands, Virginia -- issuance of a consent order of assessment 

of a civil money penalty.

- Announced, July 14, 2011

Greer Bancshares Incorporated, Greer, South Carolina -- written agreement with the 

Federal Reserve Bank of Richmond.

- Announced, July 12, 2011

H.2 Board Actions July 10, 2011 to July 16, 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

July 10, 2011 to July 16, 2011

Bank Branches, Domestic

Centennial Bank, Conway, Arkansas -- to establish a branch at 2620 East Race 

Street, Searcy.

St. Louis

- Approved, July 13, 2011

Comerica Bank, Dallas, Texas -- to establish a branch at 411 West Lafayette 

Boulevard, Detroit, Michigan.

Dallas

- Approved, July 11, 2011

EagleBank, Bethesda, Maryland -- to establish a branch at 12011 Sunset Hills Road, 

Suite 100, Reston, Virginia.

Richmond

- Approved, July 13, 2011

First Farmers and Merchants Bank, Columbia, Tennessee -- to establish a branch at 

1536 West McEwen Drive, Franklin.

Atlanta

- Approved, July 15, 2011

Lake City Bank, Warsaw, Indiana -- to establish a branch at 101 North Michigan 

Street, South Bend.

Chicago

- Approved, July 14, 2011

(A/C) = Addition or Correction Delegated - 1 of 5
Bank Branches, Domestic

Luzerne Bank, Luzerne, Pennsylvania -- to establish a branch at 1073 Route 315, 

Plains Township, and to invest in bank premises.

Philadelphia

- Approved, July 11, 2011

Middleburg Bank, Middleburg, Virginia -- to establish a branch at 821 East Main 

Street, Richmond.

Richmond

- Approved, July 11, 2011

Bank Holding Companies

First Banks, Inc., St. Louis, Missouri -- request for an exemption under the 

Depository Institution Management Interlocks Act and Regulation L.

General Counsel

- Granted, July 13, 2011

The Goldman Sachs Group, Inc., New York, New York -- to retain shares of Atlantic 

Capital Bancshares, Inc., Atlanta, Georgia, and Atlantic Capital Bank.

New York

- Approved, July 15, 2011

The Goldman Sachs Group, Inc., New York, New York -- to retain its interest in The 

First Marblehead Corporation, Boston, Massachusetts, and its subsidiary thrift, Union 

Federal Savings Bank, North Providence, Rhode Island.

New York

- Approved, July 15, 2011

H.2 Actions under delegated authority July 10, 2011 to July 16, 2011

(A/C) = Addition or Correction Delegated - 2 of 5
Bank Holding Companies

Savannah River Financial Corporation, Augusta, Georgia -- to become a bank 

holding company and to acquire Savannah River Banking Company, Aiken, South 

Carolina, on its conversion to a state-chartered bank.

Atlanta

- Approved, July 14, 2011

Valley National Bancorp, Wayne, New Jersey -- waiver of application to merge with 

State Bancorp, Inc., New Hyde Park, New York, in connection with the merger of 

their respective subsidiary banks, Valley National Bank, Passaic, New Jersey, and 

State Bank of Long Island, New Hyde Park, New York.

New York

- Granted, July 15, 2011

Bank Mergers

Xenith Bank, Richmond, Virginia -- to acquire certain assets and assume certain 

liabilities of the Richmond branch of Paragon Commercial Bank, Raleigh, North 

Carolina.

Richmond

- Approved, July 14, 2011

Extensions of Time

CapGen Capital Group IV LLC, New York, New York, and CapGen Capital Group 

IV LP -- extension to October 14, 2011, to become bank holding companies and to 

acquire shares of Jacksonville Bancorp, Jacksonville, Florida, and indirectly acquire 

The Jacksonville Bank.

Richmond

- Granted, July 14, 2011

H.2 Actions under delegated authority July 10, 2011 to July 16, 2011

(A/C) = Addition or Correction Delegated - 3 of 5
Extensions of Time

International Brotherhood of Boilermakers, Iron Ship Builders, Blacksmiths, Forgers 

and Helpers, Kansas City, Kansas -- extension to July 20, 2012, to acquire shares of 

Brotherhood Bancshares, Inc., Kansas City, and The Brotherhood Bank & Trust 

Company.

Kansas City

- Granted, July 13, 2011

Minier Financial, Inc. Employee Stock Ownership Plan with 401(k) Provisions, 

Minier, Illinois -- extension to October 20, 2011, to increase its ownership of Minier 

Financial, Inc., Minier, and thereby increase its indirect ownership of First Farmers 

State Bank.

Chicago

- Granted, July 12, 2011

Sugar River Bancorp, MHC, Newport, New Hampshire -- extension to September 13, 

2011, to become a mutual bank holding company and to acquire Sugar River Bank, 

Newport.

Boston

- Granted, July 14, 2011

International Operations

State Street Bank and Trust Company, Boston, Massachusetts -- waiver of remainder 

of prior-notification period to establish a branch in St. Helier, Jersey, Channel 

Islands.

Director, BS&R

- Granted, July 12, 2011

H.2 Actions under delegated authority July 10, 2011 to July 16, 2011

(A/C) = Addition or Correction Delegated - 4 of 5
Membership

First Federal Iowa Bank, Fort Dodge, Iowa -- to become a member of the Federal 

Reserve System on conversion from a savings bank, formerly First Federal Savings 

Bank of Iowa, to a state-chartered bank.

Chicago

- Approved, July 15, 2011

South Shore Savings Bank, South Weymouth, Massachusetts -- to become a member 

of the Federal Reserve System.

Boston

- Approved, July 12, 2011

Regulations and Policies

Federal Open Market Committee -- minutes of the meeting on June 21-22, 2011.

FOMC

- Published, July 12, 2011

H.2 Actions under delegated authority July 10, 2011 to July 16, 2011

(A/C) = Addition or Correction Delegated - 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending July 16, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 07/15/2011

07/15/2011

BSB Bancorp, Inc., Belmont, Massachusetts to 

acquire 100% of the outstanding capital stock of 

Belmont Savings Bank, Belmont, 

Massachusetts, pursuant to section 3(a)(1) of 

the BHC Act, in connection with the conversion 

of the holding company from mutual to stock 

form.

BSB BANCORP INC

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Application by North Brookfield Savings Bank, 

North Brookfield, 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.

NORTH BROOKFIELD SAVINGS 

BANK

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 08/04/2011

Application by Provident Bancorp, Amesbury, 

Massachusetts, a mutual bank holding 

company, to form a wholly-owned, mid-tier, 

stock bank holding company, Provident 

Bancorp, Inc., Amesbury, Massachusetts, 

through its acquisition of 100% of the shares of 

The Provident Bank, Amesbury, 

Massachusetts, pursuant to section 3(a)(1) and 

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

1956, as amended.

PROVIDENT BANCORP

* 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 July 16, 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:

CIC 07/09/2011

07/13/2011

Notice by Thomas H. Lee (Alternative)Fund VI, 

L.P., Thomas H. Lee (Alternative) Parallel Fund 

VI, L.P., Thomas H. Lee (Alternative) Parallel 

(DT) Fund VI, L.P., THL FBC Equity Investors, 

L.P., THL Advisors (Alternative) VI, L.P., 

Thomas H. Lee (Alternative) VI, Ltd., THL 

Managers VI, LLC, Thomas H. Lee Partners, 

L.P., Thomas H. Lee Advisors, LLC, Anthony J. 

DiNovi and Scott M. Sperling, all of Boston, 

Massachusetts, to directly acquire 24.9 percent 

of the voting common stock of First BanCorp, 

and thereby indirectly acquire FirstBank Puerto 

Rico, both of San Juan, Puerto Rico.

FIRST BANCORP

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 08/15/2011

FNBNY Bancorp, Inc. and Modern Capital 

Holdings LLC ("Modern Capital"), both of New 

York, New York to acquire 100 percent of the 

voting shares of Madison National Bancorp, 

Inc. and Madison National Bank, both of 

Hauppauge, New York and become bank 

holding companies under Section 3(a)(1) and 

Modern Capital to acquire 24.9 percent of the 

voting shares of The Upstate National Bank, 

Lisbon, New York, under Section 3(a)(3) of the 

Bank Holding Company Act and Section 225.15 

of Regulation Y.

FNBNY BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Trust Company, Buffalo, 07/16/2011

New York, to establish a limited-service branch 

located at 4949 SW Meadows Road, Suite 500, 

Lake Oswego, Clackamas County, Oregon 

(RSSD-4297040).

MANUFACTURERS AND 

TRADERS TRUST COMPANY

* 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 July 16, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 18C

* 3A5

07/08/2011

Customers Bancorp, Inc., Phoenixville, PA, to 

become a bank holding company through the 

reorganization of Customers Bank, Phoenixville, 

PA, resulting from the merger of New Century 

Interim Bank, Phoenixville, PA, with and into 

Customers Bank. Subsequently, Berkshire 

Bancorp, Wyomissing, PA, will merge with and 

into Customers Bancorp, Inc., and Berkshire 

Bank, Wyomissing, PA, will merge with and into 

Customers Bank, Phoenixville, PA.

CUSTOMERS BANCORP, INC

Newspaper:

Federal Register:

CIC Not available

07/21/2011

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

Financial Partners, L.P., Patriot Financial 

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

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

Messrs. Ira M. Lubert, W. Kirk Wycoff and 

James J. Lynch, all of Philadelphia, 

Pennsylvania, to purchase up to 24.9 percent of 

Heritage Oakes Bancorp, parent of Heritage 

Bank, both in Paso Robles, CA.

PATRIOT FINANCIAL 

PARTNERS LP

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending July 16, 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

 27614 ANDOVER BK, ANDOVER, OHIO 03/21/2011 06/27/2011 S Small Bank

 615217 NORTH SIDE B&TC, CINCINNATI, OHIO 02/28/2011 06/27/2011 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending July 16, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member

* 3A1

08/01/2011

08/11/2011

BCSB Bancorp, Inc., Baltimore, Maryland, to 

become a bank holding company through the 

acquisition of 100% of the voting securities of 

Baltimore County Savings Bank Federal Savings 

Bank, Baltimore, Maryland, upon its conversion 

to a state-chartered commercial bank. 

Additionally, Baltimore County Savings Bank 

Federal Savings Bank, Baltimore, Maryland, to 

become a member of the Federal Reserve 

System.

BALTIMORE COUNTY SAVINGS 

BANK FEDERAL SAVINGS 

BANK

Newspaper:

Federal Register:

* 4c8 Not available

Not available

Capital One Financial Corporation, McLean, 

Virginia, to acquire 100% of the voting 

securities of ING Bank, FSB, Wilmington, 

Delaware, and its subsidiaries, Sharebuilder 

Advisors, LLC Seattle, Washington, and ING 

Direct Investing, Inc., Seattle, Washington, and 

thereby engage in the activities related to 

operating a federal savings bank.

CAPITAL ONE FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC 07/25/2011

07/26/2011

John K. Delaney and the Delaney Family Trust, 

both of Chevy Chase, Maryland, and Jason M. 

Fish, San Francisco, California, to acquire up to 

41.1% of the voting shares of Congressional 

Bancshares, Inc., Bethesda, Maryland.

CONGRESSIONAL 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C

Not applicable

The Page Valley Bank, Luray, Virginia, to 08/12/2011

acquire certain assets and assume certain 

liabilities of the Charlottesville, Virginia, branch 

office of Bank of Hampton Roads, Norfolk, 

Virginia.

PAGE VALLEY BANK, THE

* 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

 619327 FARMERS BK WINDSOR VA, WINDSOR, VIRGINIA 04/04/2011 07/05/2011 S Int Sm Bank

 3357910 HOMETOWN BK, ROANOKE, VIRGINIA 02/28/2011 06/09/2011 S Int Sm Bank

 368429 NBRS FNCL BK, RISING SUN, MARYLAND 02/14/2011 06/27/2011 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending July 16, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco CAM, S.A.U., Alicante, Spain, to 

establish an international branch office located 

in Miami, Florida.

BANCO CAM,S.A.U.

* 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

 3350658 FIRST VISION BK OF TN, TULLAHOMA, TENNESSEE 01/24/2011 06/23/2011 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending July 16, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/01/2011

Notice by Paul L. Martin and Pamela J. Martin, 

Bradenton, Florida, to gain control of Evans 

Bancshares, Inc., Evansdale, Iowa, and thereby 

indirectly control Fist Security State Bank, 

Evansdale, Iowa. Paul and Pamela Martin will 

collectively increase their ownership from 9.63 

percent to 12.43 percent with the purchase of 

2000 shares.

EVANS BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

The Northern Trust Company, Chicago, Illinois, 

to merge with Northern Trust, National 

Association, Miami, Florida, and thereby to 

establish 53 branches.

NORTHERN TRUST COMPANY, 

THE

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

The Northern Trust Company, Chicago, Illinois, 

to merge with Northern Trust Bank, FSB, 

Bloomfield Hills, Michigan, and thereby to 

establish 13 branches.

NORTHERN TRUST COMPANY, 

THE

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Security State Bank, New Hampton, Iowa, to 

merge with State Bank & Trust Company, 

Waverly, Iowa and as a result of the merger will 

establish 5 branches.

SECURITY STATE BANK

Newspaper:

Federal Register:

CIC Not available

07/29/2011

Notice by David E. Kirschner and Margaret 

Kirschner, as co-trustees of the Henry C. 

Kirschner Trust B1, and David E. Kirschner and 

Margaret Kirschner, individually and as 

co-trustees of the Henry C. Kirschner Trust A2, 

acting in concert with The Noble Foundation, 

Philip and Cheryl Kirschner, Khajha Kirschner, 

Pamela Kirschner Bolduc, and the Mary C. 

Kirschner 2007 Trust with David E. Kirschner 

acting as trustee, to acquire 25 percent or more 

of the voting shares of Town and Country 

Financial Corporation, Springfield, Illinois, and 

thereby indirectly acquire control of Town and 

Country Bank, Springfield, Illinois, and Logan 

County Bank, Lincoln, Illinois.

TOWN AND COUNTRY 

FINANCIAL CORPORATION

Newspaper:

Federal Register:

* 3A1 07/09/2011

07/08/2011

WCF Financial, M.H.C. and Webster City 

Federal Bancorp, both of Webster City, Iowa, to 

become bank holding companies following the 

conversion Webster City Federal Savings Bank, 

Webster City, Iowa, from a federally chartered 

savings association to a state chartered bank.

WCF FINANCIAL, M.H.C.

* 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

 187947 BANK IA, CLARINDA, IOWA 01/24/2011 07/01/2011 S Small Bank

 671147 PRIMEBANK, LE MARS, IOWA 02/07/2011 07/05/2011 S Int Sm Bank

 991135 STATE BK GENEVA, GENEVA, ILLINOIS 10/04/2010 06/20/2011 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending July 16, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Bank of Lake Village, Lake Village, Arkansas, to 

become member of the Federal Reserve System.

BANK OF LAKE VILLAGE

Newspaper:

Federal Register:

CIC 07/14/2011

08/03/2011

Notice by Teresa A. Grindstaff and Greg E. 

Allen, individually and as trustees of the 

William H. Cooper General Trust and the 

William H. Cooper Marital Trust, all of 

Farmington, Missouri, to gain voting control of 

First State Bancshares, Inc., Farmington, 

Missouri. Ms. Grandstaff and Mr. Allen also 

vote the shares of First State Bancshares, Inc. 

held by Cooper Investments, Inc., Farmington, 

Missouri.

FIRST STATE BANCSHARES, 

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

The Scott County State Bank, Scottsburg, 07/25/2011

Indiana, to establish a branch facility to be 

located at 307 West Main Street, Austin, 

Indiana.

SCOTT COUNTY STATE BANK, 

THE

* 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 July 16, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

07/19/2011

Change in Control Notice by Robert Lynn 

Nelson, Cudjoe Key, Florida, to gain control of 

Kirkwood Bancorporation Co., Bismarck, North 

Dakota and thereby indirectly gain control of 

Kirkwood Bank and Trust Company, Bismarck, 

North Dakota, and Kirkwood Bancorporation of 

Nevada, Inc., Las Vegas, Nevada, and its 

subsidiary Kirkwood Bank of Nevada, Las 

Vegas, Nevada.

KIRKWOOD 

BANCORPORATION CO.

* 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

 687951 FIRST WESTERN B&TC, MINOT, NORTH DAKOTA 03/14/2011 07/05/2011 S Int Sm Bank

 786555 PEOPLES ST BK OF PLAINVIEW, PLAINVIEW, MINNESOTA 03/07/2011 07/08/2011 S Small Bank

 309851 ROOT RIVER ST BK, CHATFIELD, MINNESOTA 02/14/2011 07/07/2011 S Small Bank

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 July 16, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/04/2011

Notification by Jeffrey N. Bradley, Morrison, 

Colorado, to retain control of Evergreen 

Bancorporation, Evergreen, Colorado, parent of 

Evergreen National Bank, Evergreen, Colorado.

EVERGREEN 

BANCORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Five Points Bank, Grand Island, Nebraska, to 07/29/2011

establish a branch at 8820 Arbor Street, Omaha, 

Nebraska.

FIVE POINTS BANK

Newspaper:

Federal Register:

CIC Not available

07/26/2011

Notice submitted by the Mark Elliott Robson 

2007 Trust, Mark Robson, trustee; and Mark 

Robson, individually, all of Jackson, Wyoming 

and as members of the Robson Family control 

group, to retain control of RCB Holding 

Company, Inc., Claremore, Oklahoma, parent of 

RCB Bank, Claremore, Oklahoma.

RCB HOLDING COMPANY, INC.

Newspaper:

Federal Register:

CIC 07/31/2011

08/02/2011

Notice submitted by the The Dana Hale Nelson 

Family Irrevocable Trust, Mission Hills, Kansas; 

the Karen Hale Young Family Irrevocable Trust, 

Salina, Kansas; the Lisa K. Hale Family 

Irrevocable Trust, Mission Hills, Kansas; the 

Max Alan Hale Family Irrevocable Trust, Salina, 

Kansas; the Twin Meadow VHC Trust, Salina, 

Kansas; the Dana Hale Nelson Irrevocable 

Trust for Allison Lesta Nelson, Mission Hills, 

Kansas; the Dana Hale Nelson Irrevocable 

Trust for Hayley Elizabeth Nelson, Mission 

Hills, Kansas; the Dana Hale Nelson Irrevocable 

Trust for Kristen Adele Nelson, Mission Hills, 

Kansas; the Karen Hale Young Irrevocable 

Trust for Rhys Adele Young, Salina, Kansas; 

the Karen Hale Young Irrevocable Trust for 

Malia Jean Young, Salina, Kansas; the Karen 

Hale Young Irrevocable Trust for Elle Joyce 

Young, Salina, Kansas; the Karen Hale Young 

Irrevocable Trust for Tatum Diana Young, 

Salina, Kansas; the Max Alan Hale Irrevocable 

Trust for Morgan Ann Hale, Salina, Kansas; the 

Max Alan Hale Irrevocable Trust for Madison 

Adele Hale, Salina, Kansas; the Max Alan Hale 

Irrevocable Trust for Keaton Mathew Hale, 

Salina, Kansas; the Lisa K. Hale Irrevocable 

Trust for Joseph Joshua Hodos, Mission Hills, 

Kansas; the Mollie Hale Carter Irrevocable 

Trust for Elizabeth Ann Carter, Salina, Kansas; 

the Mollie Hale Carter Irrevocable Trust for 

Jocelyn Renee Carter, Salina, Kansas; to 

become members of the Hale Family Group, 

which controls 25 percent or more of Sunflower 

Financial, Inc., parent of Sunflower Bank, 

National Association, both in Salina, Kansas.

SUNFLOWER FINANCIAL, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 815754 BANK OF CHEROKEE CTY, HULBERT, OKLAHOMA 03/21/2011 06/21/2011 S Small Bank

 456755 EXCHANGE B&TC, PERRY, OKLAHOMA 03/21/2011 06/22/2011 S Small Bank

 41553 FIRST ST BK, ANADARKO, OKLAHOMA 04/11/2011 07/07/2011 S Small Bank

 990352 UNITED B&TC, MARYSVILLE, KANSAS 03/28/2011 06/30/2011 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending July 16, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/05/2011

A.N.B. Holding Company, Ltd., Terrell, Texas, to 

acquire additional shares up to 32% of The 

ANB Corporation, Terrell, Texas, and indirectly 

acquire The American National Bank of Texas, 

Terrell, Texas; Lakeside Bancshares, Inc., 

Rockwall, Texas; and Lakeside National Bank, 

Rockwall, Texas.

A.N.B. HOLDING COMPANY, 

LTD.

Newspaper:

Federal Register:

* 3A1 Not available

08/05/2011

Integrity Bancshares, Inc., Houston Texas, to 

become a bank holding company by acquiring 

100 percent of Integrity Bank, SSB, Houston, 

Texas.

INTEGRITY BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8 07/28/2011

Strategic Growth Banking. LLC, El Paso, Texas, 

and Strategic Growth Banking Partners, LLC, 

both of El Paso, Texas, to become bank holding 

companies pursuant to Section 3(a)(1) through 

the acquisition of Las Cruces B.R.G., 

Incorporated, Las Cruces, New Mexico, and 

thus indirectly acquire control of Bank of the 

Rio Grande, National Association, Las Cruces, 

New Mexico, and to retain control of, pursuant 

to Section 4(c)(8), Capital Bank, State Savings 

Bank, El Paso, Texas.

STRATEGIC GROWTH 

BANKING, LLC

* 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 July 16, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC

Not available

Interagency Notice of Change in Control by 08/31/2011

Castle Creek Capital Partners IV, L.P. and 

persons that are acting with or control Castle 

Creek Capital Partners IV, L.P. (Castle Creek 

Advisors IV, LLC; Castle Creek Capital IV, LLC; 

John T. Pietrzak; Pietrzak Advisory Corp.; John 

M. Eggemeyer, III; JME Advisory Corp.; 

William J. Ruh; Ruh Advisory Corp.; Mark G. 

Merlo; Legions IV Corp.; Joseph Mikesell 

Thomas and Thomas Advisory Corp.) all of 

Rancho Santa Fe, California, to acquire up to 

17.8 percent of the shares of First NBC Bank 

Holding Company, and indirectly First NBC 

Bank, both of New Orleans, Louisiana, pursuant 

to the Change in Bank Control Act of 1978.

FIRST NBC BANK HOLDING 

COMPANY

Newspaper:

Federal Register:

* 3A1 07/08/2011

08/11/2011

Riverview Bancorp, Inc. to become a bank 

holding company by acquiring 100 percent of 

Riverview Community Bank FSB, both of 

Vancouver, Washington.

RIVERVIEW BANCORP, INC.

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 197478 EAST WEST BK, PASADENA, CALIFORNIA 10/25/2010 06/24/2011 S Large Bank

 982263 SANTA LUCIA BK, ATASCADERO, CALIFORNIA 06/07/2010 06/24/2011 NI Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act