Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 53 

Week Ending December 31, 2011

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

Office of Staff Director -- transfer of personnel and functions to other divisions, 

effective January 1, 2012.

- Announced, December 28, 2011

Enforcement

First St. Charles Bancshares, Inc., Boutte, Louisiana -- written agreement with the 

Federal Reserve Bank of Atlanta.

- Announced, December 27, 2011

H.2 Board Actions December 25, 2011 to December 31, 2011

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSD Office of Staff Director

December 25, 2011 to December 31, 2011

Bank Branches, Domestic

Pioneer Bank, Stanley, Virginia -- to establish a branch at 1710 Seminole Trail, 

Suite 4, Charlottesville.

Richmond

- Approved, December 28, 2011

StellarOne Bank, Christiansburg, Virginia -- to establish a branch at 300 Preston 

Avenue, Charlottesville.

Richmond

- Approved, December 29, 2011

Bank Holding Companies

First Arkansas BancShares, Inc., Jacksonville, Arkansas -- to increase its ownership 

in BVCA, LLC, and to continue to engage in lending.

St. Louis

- Withdrawn, December 29, 2011

Haven Capital Corporation, Brookhaven, Mississippi -- to become a bank holding 

company and to acquire Bank of Brookhaven, Brookhaven.

Atlanta

- Approved, December 28, 2011

Security Bancorp of Tennessee, Inc., Halls, Tennessee -- to acquire shares of 

Patriot-Stitt Insurance Agency, Millington, and thereby engage in general insurance 

agency activities.

St. Louis

- Withdrawn, December 30, 2011

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

Triumph Consolidated Cos., LLC, Dallas, Texas, and Triumph Bancorp, LLC -- to 

engage in lending activities through Triumph Commercial Finance, LLC, Dallas, a 

nonbanking subsidiary of Triumph Savings Bank, SSB.

Dallas

- Withdrawn, December 29, 2011

Change in Bank Control

Coastal Financial Corporation, Everett, Washington -- change in bank control of 

Coastal Financial and its subsidiary bank, Coastal Community Bank, Everett.

San Francisco

- Permitted, December 27, 2011

H.2 Actions under delegated authority December 25, 2011 to December 31, 2011

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

Federal Reserve Bank of Boston

Filings received during the week ending December 31, 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 December 31, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/12/2012

Notice by Mr. Anil Bansal, Wayne, New Jersey, 

to increase his ownership interest in IA 

Bancorp, Inc., from 6.87 percent to 24 percent, 

and thereby indirectly acquire additional voting 

shares of Indus American Bank, both of Iselin, 

New Jersey.

IA BANCORP, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Manufacturers and Traders Trust Company, 

Buffalo, New York, to establish a branch facility 

to be located at Timonium Center I, 1966 

Greenspring Drive, Timonium, Baltimore 

County, Maryland. (RSSD ID 4363785)

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 December 31, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

12/02/2011

Arthur J. Kania, St. Davids, PA, to acquire up to 

23% of Franklin Security Bancorp, Inc., Wilkes 

Barre, PA.

FRANKLIN SECURITY 

BANCORP, INC.

Newspaper:

Federal Register:

MHC Activity Not applicable

Not available

Northeast Community Bancorp, MHC, White 

Plains, NY to establish an operating subsidiary, 

Northeast Insurance Agency, LLC, White 

Plains, NY, through its subsidiary Northeast 

Community Bank, (the "Bank"), White Plains, 

NY.

NORTHEAST COMMUNITY 

BANCORP, MHC

Newspaper:

Federal Register:

CIC Not available

09/21/2011

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., 

Patriot Financial Manager, LLC. and Messrs. Ira 

M. Lubert, W. Kirk Wycoff and James J. Lynch, 

all of Philadelphia, Pennsylvania, to purchase 

up to 24.9 percent of Porter Bancorp, Inc., 

Louisville, KY.

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 December 31, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Application by KeyCorp, Cleveland, Ohio,to 

retain, in a fiduciary capacity, 9.75% of the 

outstanding voting shares of Mechanics 

Financial Corporation, Mansfield, Ohio, 

pursuant to Section 3(a)(3) of the Bank Holding 

Company Act

KEYCORP

* 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 December 31, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

02/03/2012

BB&T Corporation, Winston-Salem, North 

Carolina, to acquire 100% of the voting 

securities of BankAtlantic, Fort Lauderdale, 

Florida, a federal savings association.

BB&T CORPORATION

Newspaper:

Federal Register:

CIC Not available

01/12/2012

Gregory Allen Turnage, Wilson, North Carolina, 

to individually acquire up to 31.26% of CB 

Financial Corporation, Wilson, North Carolina. 

Additionally, Gregory Allen Turnage, Leonard 

Turnage Marital Trust B and the Leonard 

Turnage Funded Irrevocable Trust (trustees, 

Teresa Turnage Finch and Gregory Allen 

Turnage), Teresa Turnage Finch, David Allen 

Turnage and Rebecca Nicole Turnage, all of 

Wilson, North Carolina, and Jamie Danielle 

Turnage of Wilmington, North Carolina, as a 

group acting in concert, to collectively acquire 

up to 38.22% of the voting shares of CB 

Financial Corporation.

CB FINANCIAL CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

4c8 Not available

First Financial Holdings, Inc., Charleston, South 

Carolina, to become a bank holding company 

upon the conversion of First Federal Savings 

and Loan Association, Charleston, South 

Carolina, to a state chartered commercial bank.

FIRST FINANCIAL HOLDINGS 

INC.

Newspaper:

Federal Register:

CIC 01/04/2012

01/06/2012

Mr. Mark W. Jaindl, Allentown, Pennsylvania, 

to control up to 17% of the voting shares of 

South Street Financial Corp., Albemarle, North 

Carolina.

SOUTH STREET FINANCIAL 

CORP.

Newspaper:

Federal Register:

* Branch

Not applicable

Xenith Bank, Richmond, Virginia, to establish a 01/08/2012

branch at 1011 Boulder Springs Drive, Suite 410, 

Richmond, Virginia

XENITH 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 December 31, 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 December 31, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 12/23/2011

12/30/2011

Burling Bancorp, Inc., Chicago, Illinois, to 

become a bank holding company by acquiring 

100 percent of the voting shares of Burling 

Bank, Chicago, Illinois.

BURLING BANCORP, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

First Bank & Trust, Evanston, Illinois, to 

establish a branch facility to be located at 55 

Shuman Boulevard, Suite 100, Naperville, 

Illinois.

FIRST BANK & TRUST

Newspaper:

Federal Register:

* 3A1 Not available

01/06/2012

Inspire Bancshares, Inc., Tomah, Wisconsin, to 

become a bank holding company by acquiring 

100 percent of the voting shares of Community 

State Bank, Norwalk, Wisconsin.

INSPIRE BANCSHARES INC

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Helen P. Johnson-Leipold, Imogene P. 

Johnson, The Herbert F. Johnson Family Trust 

dated March 7, 1967 ("HFJ Trust"), Imogene P. 

Johnson as trustee for HFJ Trust and various 

other Johnson family trusts, Imogene P. 

Johnson as controlling shareholder for various 

Johnson family companies, the Johnson 

Financial Group, Inc. Voting Trust ("Johnson 

Voting Trust"), Helen P. Johnson-Leipold as 

trustee for the Johnson Voting Trust and 

various other family trusts and Helen P. 

Johnson-Leipold as controlling shareholder for 

various Johnson family companies (all of 

Racine, Wisconsin) to acquire 25 percent or 

more of the voting shares of Johnson Financial 

Group, Inc., Racine, Wisconsin, and thereby 

indirectly acquire Johnson Bank, Racine, 

Wisconsin.

JOHNSON FINANCIAL GROUP, 

INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Pinnacle Bank, Marshalltown, Iowa, to purchase 

certain assets and assume certain liabilities of 

the Home Federal Savings Bank, Rochester, 

Minnesota, branch located at 1301 South 

County Road, Toledo, Iowa. Pinnacle Bank will 

establish an office at 1301 South County Road, 

Toledo, Iowa, upon consummation of the 

proposal.

PINNACLE BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Thomas Benton Hunter, III, Lake 

Forest, Illinois, as trustee of the Hunter 2012 

Annuity Trust, and the Hunter 2012 Annuity 

Trust, Chicago, Illinois, to acquire shares, and 

thereby join the existing Steans Family Control 

Group of Taylor Capital Group, Inc., Rosemont, 

Illinois.

TAYLOR CAPITAL GROUP, INC.

* 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 December 31, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Arvest Bank Group, Inc., Bentonville, Arkansas, 

to acquire 14.04 percent of LODO Software, Inc., 

Omaha, Nebraska, and thereby engage in data 

processing activities.

ARVEST BANK GROUP, INC.

Newspaper:

Federal Register:

4c8 Not applicable

01/18/2012

First Arkansas BancShares, Inc., Jacksonville, 

Arkansas, to acquire 20 percent of FAS Capital, 

LLC, Atlanta, Georgia, and thereby engage in 

lending activities.

FIRST ARKANSAS 

BANCSHARES, INC.

Newspaper:

Federal Register:

4c8 Not applicable

01/18/2012

First Arkansas BancShares, Inc., Jacksonville, 

Arkansas, to increase its ownership in BVCA, 

LLC, from 18 percent to 100 percent, and 

continue to engage in lending.

FIRST ARKANSAS 

BANCSHARES, INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending December 31, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 01/15/2012

01/17/2012

Faribault FSL Bancorporation, Inc., Faribault, 

Minnesota, to become a bank holding company 

by acquiring 100 percent of 1st United Bank, 

Faribault, Minnesota. 1st United Bank, 

Faribault, Minnesota, intends to convert from a 

federal savings bank to a Minnesota 

state-chartered bank.

FARIBAULT FSL 

BANCORPORATION, INC.

Newspaper:

Federal Register:

CIC Not available

01/18/2012

Change in Control Notice by the Gladys E. 

Youse Trust, and its trustee, Madolyn Y. 

Babcock, both of Minneapolis, Minnesota, to 

acquire 25% or more of Metro North 

Bancshares, Inc. and thereby indirectly acquire 

control of The Bank of Elk River, both of Elk 

River, Minnesota. Additionally, the Gladys E. 

Youse Trust, and its trustee, Madolyn Y. 

Babcock, propose to join the Babcock family 

shareholder group, which controls 25% or more 

of Metro North Bancshares, Inc.

METRO NORTH BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Perham State Bancshares, Inc., Perham, 

Minnesota, to acquire 100 percent of Farmers 

State Bank of Dent, Dent Minnesota.

PERHAM STATE BANCSHARES, 

INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending December 31, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

01/23/2012

Central Financial Corporation, Hutchinson, 

Kansas, to acquire .25 percent, for a total of 7.05 

percent, of the voting shares of TTAC Corp., 

parent of Community First National Bank, both 

in Manhattan, Kansas.

CENTRAL FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Teton Financial Services, LLC, Wilson, 

Wyoming, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of Rocky Mountain Bank, 

Wilson, Wyoming.

TETON FINANCIAL SERVICES, 

LLC

* 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 December 31, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

01/13/2012

Prior notice by Carlile Bancshares, Inc., Fort 

Worth, Texas, to engage de novo in extending 

credit and servicing loans through its 

wholly-owned operating subsidiary, Carlile 

Capital, LLC, pursuant to Section 4(c)(8) of the 

Bank Holding Company Act and Section 

225.28(b)(1) of Regulation Y.

CARLILE BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Dallas, Texas to establish a 

mobile branch to stop at 23500 Cristo Rey Drive, 

Cupertino, Santa Clara County, California 95014.

COMERICA BANK

Newspaper:

Federal Register:

* 3A1 01/09/2012

01/06/2012

Rockwall Bancshares, Inc., Rockwall, Texas, to 

become a bank holding company by acquiring 

100 percent of Northern Bancshares, Inc., 

Chillicothe, Texas, and therefore indirectly, The 

First National Bank of Chillicothe, Chillicothe, 

Texas.

ROCKWALL BANCSHARES, 

INC.

Newspaper:

Federal Register:

4c8 Not applicable

01/18/2012

Triumph Consolidated Cos., LLC, Dallas, Texas, 

to engage de novo in lending activities and 

community development activities through the 

establishment of Triumph CRA Holdings, LLC, 

Dallas, Texas, as a nonbanking subsidiary.

TRIUMPH CONSOLIDATED 

COS., 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 December 31, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/27/2011

Interagency Notice of Change in Control by 

Montlake Capital II, L.P, a limited partnership 

and Montlake Capital II-B, L.P., a limited 

partnership, Seattle, Washington, to acquire 

voting shares of Coastal Financial Corporation, 

and thereby indirectly acquire Coastal 

Community Bank, both of Everett, Washington; 

and 2)Coastal Financial Corporation and Coastal 

Community Bank, both of Everett, Washington 

to appoint Andrew Russell Dale as a Director.

COASTAL FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Private Bancorp of America, Inc., to become a 

bank holding company by acquiring 100 percent 

of San Diego Private Bank, both of La Jolla, 

California.

PRIVATE BANCORP OF 

AMERICA, 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