Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 32 

Week Ending August 11, 2012

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

Division of Banking Supervision and Regulation -- appointment of Laurie F. Priest as 

assistant director and chief of staff.

- Approved, August 9, 2012

Regulations and Policies

Capital Rules -- extension to October 22, 2012, of the comment period on three 

proposed rules to revise and replace current capital rules and implement the Basel III 

regulatory capital reforms and certain aspects of the Dodd-Frank Act.

- Announced, August 8, 2012

Enforcement

Asian Financial Corporation, Philadelphia, Pennsylvania, and Asian Bank -- issuance 

of a consent cease and desist order.

- Announced, August 7, 2012

Coastal Financial Corporation, Everett, Washington, and Coastal Community Bank -- 

written agreement dated September 25, 2009, terminated August 6, 2012.

- Announced, August 9, 2012

Gold Canyon Bank, Gold Canyon, Arizona -- issuance of a prompt corrective action 

directive with the consent of the bank.

- Announced, August 7, 2012

LegacyTexas Group, Inc., Plano, Texas, and LegacyTexas Bank -- written agreement 

dated August 18, 2009, terminated August 1, 2012.

- Announced, August 7, 2012

H.2 Board Actions August 5, 2012 to August 11, 2012

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

MetLife, Inc., New York, New York -- issuance of monetary sanctions totaling 

$3.2 million against MetLife, Inc. for failure to adequately oversee its subsidiary 

bank's mortgage loan servicing and foreclosure processing operations.

- Announced, August 7, 2012

Spirit BankCorp, Inc., Bristow, Oklahoma -- written agreement with the Federal 

Reserve Bank of Kansas City.

- Announced, August 7, 2012

The State Bank of Blue Mound, Blue Mound, Illinois -- written agreement with the 

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

Professional Regulation, Division of Banking.

- Announced, August 7, 2012

H.2 Board Actions August 5, 2012 to August 11, 2012

(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

August 5, 2012 to August 11, 2012

MA Monetary Affairs

Bank Branches, Domestic

Customers Bank, Phoenixville, Pennsylvania -- to establish a limited-service branch 

at The Miriam Osborn Memorial Home, 101 Theall Road, Rye, New York.

Philadelphia

- Approved, August 9, 2012

Valley Bank, Roanoke, Virginia -- to establish a branch at 4003 Challenger Avenue, 

Roanoke.

Richmond

- Approved, August 8, 2012

Bank Holding Companies

Barclays PLC, London, United Kingdom, and Barclays Bank PLC -- relief from 

certain commitments.

Director, BS&R

- Granted, August 7, 2012

First Security Bancorp, Searcy, Arkansas -- to increase its ownership in CrossFirst 

Holdings, LLC, Leawood, Kansas.

St. Louis

- Approved, August 8, 2012

(A/C) = Addition or Correction Delegated - 1 of 5
Bank Holding Companies

Mercantile Bancorp, Inc., Quincy, Illinois -- to merge with its subsidiary holding 

company, The Royal Palm Bancorp, Inc., Naples, Florida, and thereby cause The 

Royal Palm Bank of Florida to become a direct subsidiary bank of Mercantile 

Bancorp, Inc.

St. Louis

- Withdrawn, August 9, 2012

ServisFirst Bancshares, Inc., Birmingham, Alabama -- relief from a commitment.

Atlanta

- Granted, August 10, 2012

Bank Mergers

The Bryn Mawr Trust Company, Bryn Mawr, Pennsylvania -- to purchase certain 

assets and assume certain liabilities of First Bank of Delaware, Wilmington, 

Delaware, and thereby establish a branch.

Secretary

- Approved, August 8, 2012

Bank Premises

Heartland Bank, Gahanna, Ohio -- request to exceed the limit on investment in bank 

premises.

Cleveland

- Approved, August 10, 2012

H.2 Actions under delegated authority August 5, 2012 to August 11, 2012

(A/C) = Addition or Correction Delegated - 2 of 5
Banks, Nonmember, and Miscellaneous Institutions

Cerberus Capital Management, L.P., New York, New York -- relief from a 

commitment.

Director, BS&R

- Granted, August 7, 2012

Change in Bank Control

Eden Valley Bancshares, Inc., Eden Valley, Minnesota -- change in bank control of 

Eden Valley and its subsidiary bank, State Bank in Eden Valley, Eden Valley.

Minneapolis

- Permitted, August 7, 2012

Henderson State Company, Henderson, Nebraska -- change in bank control of 

Henderson State and its subsidiary bank, Henderson State Bank, Henderson.

Kansas City

- Permitted, August 6, 2012

Heritage Oakes Bancorp, Paso Robles, California -- change in bank control of 

Heritage Oakes and its subsidiary bank, Heritage Bank, Paso Robles.

Philadelphia

- Permitted, August 6, 2012

Porter Bancorp, Inc., Louisville, Kentucky -- change in bank control of Porter and its 

subsidiary bank, PBI Bank, Louisville.

Philadelphia

- Permitted, August 6, 2012

H.2 Actions under delegated authority August 5, 2012 to August 11, 2012

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

Cabool State Bank Employee Stock Ownership Plan, Cabool, Missouri -- extension 

to November 24, 2012, to increase its ownership of Cabool Bancshares, Inc., Cabool, 

and thereby increase its indirect control of Cabool State Bank.

St. Louis

- Granted, August 8, 2012

Fordyce Bank & Trust Co., Fordyce, Arkansas -- extension to November 7, 2012, to 

merge with The Bank of Rison, Rison.

St. Louis

- Granted, August 7, 2012

Savings and Loan Holding Companies

LaPorte Savings Bank, MHC, La Porte, Indiana -- to convert from mutual to stock 

form and to merge with LaPorte Bancorp, Inc., La Porte, and for LaPorte Bancorp to 

become a savings and loan holding company by acquiring The LaPorte Savings 

Bank.

Chicago

- Approved, August 10, 2012

Madison County Holding, MHC, Madison, Nebraska -- to convert from mutual to 

stock form and to merge with Madison County Financial Corporation, Madison, and 

for Madison County Financial Corporation to become a savings and loan holding 

company by acquiring Madison County Bank.

Kansas City

- Approved, August 10, 2012

H.2 Actions under delegated authority August 5, 2012 to August 11, 2012

(A/C) = Addition or Correction Delegated - 4 of 5
Savings and Loan Holding Companies

Polonia MHC, Huntingdon Valley, Pennsylvania -- to convert from mutual to stock 

form and to merge with Polonia Bancorp, Huntingdon Valley, and for Polonia 

Bancorp to become a savings and loan holding company by acquiring Polonia Bank.

Philadelphia

- Approved, August 10, 2012

H.2 Actions under delegated authority August 5, 2012 to August 11, 2012

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

Federal Reserve Bank of Boston

Filings received during the week ending August 11, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 08/13/2012

08/10/2012

Notification by Investors of America LP to 

retain 10% or more of the outstanding shares of 

the common stock of Hampden Bancorp, Inc., 

Springfield, Massachusetts, the holding 

company for Hampden Bank, Springfield, 

Massachusetts, pursuant to the Change in 

Bank Control Act of 1978.

HAMPDEN BANCORP, INC.

Newspaper:

Federal Register:

* 3A5

* 3A3

08/01/2012

07/30/2012

Application by Independent Bank Corp, 

Rockland, Massachusetts, to acquire Central 

Bancorp, Inc. and its subsidiary bank, Central 

Co-operative Bank, both of Somerville, 

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

and 3(a)(5) of the Bank Holding Company Act 

of 1956, as amended.

INDEPENDENT BANK CORP.

* 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 August 11, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Hana Financial Group Inc., Seoul, Korea, to 

become a bank holding company by acquiring 

71.37 percent of BNB Financial Services 

Corporation, New York, New York, and 

indirectly, BNB Bank, National Association, 

Fort Lee, New Jersey pursuant to Section 3(a)(1) 

of the Bank Holding Company Act of 1956, as 

amended, and Section 225.15 of Regulation Y.

HANA FINANCIAL GROUP INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

NongHyup Bank, Seoul, Korea, to establish a 

branch in New York, New York, pursuant to 

Section 211.24 of Regulation K.

NONGHYUP BANK

Newspaper:

Federal Register:

* 3A3 Not available

08/31/2012

Oriental Financial Group Inc, San Juan, Puerto 

Rico, to acquire 100 percent of BBVAPR 

Holding Corporation, San Juan, Puerto Rico and 

thereby indirectly acquire Banco Bilbao Vizcaya 

Argentaria Puerto Rico, San Juan, Puerto Rico.

ORIENTAL FINANCIAL GROUP 

INC.

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending August 11, 2012

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 August 11, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 08/16/2012

08/26/2012

Notice of Change of Control by Bank 

Opportunity Fund, LLC; Bank Opportunity 

Advisors LLC; and Bank Acquisitions LLC, 

Washington, D.C. to acquire up to 24.99% of 

Middlefield Banc Corp., Middlefield, Ohio.

Bank Opportunity Fund LLC

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notice of Change in Bank Control 

filed by Steven A. Bartels and Deborah E. 

Bartels, both of Franklin, NB proposing to 

acquire 50.33% of the outstanding voting 

shares of New Richmond Bancorporation, New 

Richmond, OH.

NEW RICHMOND 

BANCORPORATION

Newspaper:

Federal Register:

CIC

Not available

The Sutton Bank Employee Stock Ownership / 08/29/2012

401K Plan (Sutton Bancshares, Inc.), Attica, 

Ohio; Co-Trustees; Eric A. Gillett,James A. 

Gorrell; AND The Eric A. Gillete Family Control 

Group (Eric A. Gillett Revocable Trust Attica, 

Ohio; Denise E. Gillett Revocable Trust Attica, 

Ohio; Ronald L. and Jean E. Hamilton Huron, 

Ohio; John A. Pour Revocable Living Trust 

Troy, Ohio; Yvenna E. Pour Revocable Living 

Trust Troy, Ohio; Cheryl S. Beaver Troy, Ohio; 

Valeria A. Darling Attica, Ohio; Fred W. Darling, 

Attica, Ohio; Theresa M. Henderson Piqua, 

Ohio; Michelle R. Powell Troy, Ohio) AND The 

James A. Gorrell Family Control Group (James 

A. Gorrell, Tiffin, Ohio; and Barbara M. Gorrell, 

Dayton, Ohio), collectively, to acquire 10 

percent or more of the shares and thereby 

control of Sutton Bancshares, Inc., Attica, Ohio 

and thereby indirectly control Sutton Bank, 

Attica, Ohio

SUTTON BANCSHARES, INC.

* 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 August 11, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

CFG Community Bank, Lutherville, Maryland, to 08/18/2012

establish a branch at 1615 Thames Street, 

Baltimore, Maryland

CFG COMMUNITY BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Citizens Bank and Trust Company, Blackstone, 

Virginia, to establish a branch at the corner of 

Iron Bridge Road and Oliver's Way, 

Chesterfield, Virginia

CITIZENS BANK AND TRUST 

COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

Pioneer Bank, Stanley, Virginia, to establish a 08/20/2012

branch location at Stoneridge Drive, North, 

Gateway Center, Lot 1A, Ruckersville, Virginia

PIONEER 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 August 11, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/28/2012

Prior change in control notice filed by Guice 

Slawson, Jr., Joe Stinson Slawson, and William 

Edgar Slawson, all of Montgomery, Alabama, to 

collectively acquire 91.4 percent of the 

outstanding shares of FEB Bancshares, Inc., 

and its subsidiary, Farmers Exchange Bank, 

both of Louisville, Alabama.

FEB BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Prior change in control notice filed by Robert 

Wayne Lowe, Warner Robbins, Georgia, to 

acquire an additional 8.94 percent of the 

outstanding shares of Mid State Banks, Inc., 

Hawkinsville, Georgia, and its subsidiary, 

PlantersFIRST Bank, Cordele, Georgia. Total pro 

forma ownership will equal 31.38 percent.

MID STATE BANKS, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Prior change in control notice filed by James 

Brawner Little, III, Birmingham, Alabama, to 

acquire up to 25 percent of the outstanding 

shares of The Southern Banc Company, Inc., 

and its subsidiary, The Southern Bank 

Company, both of Gadsden, Alabama.

SOUTHERN BANC COMPANY, 

INC., THE

* 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 August 11, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 09/01/2012

08/27/2012

C-B-G, Inc., West Liberty, Iowa, to acquire up to 

$200,000 more of additional shares and increase 

its ownership up to 50.01 percent of 

Washington Bancorp, Washington, Iowa, and 

thereby increase it's indirect interest in 

Washington Bancorp's subsidiary, Federation 

Bank, Washington, Iowa.

C-B-G, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Chemical Bank, Midland, Michigan, to purchase 

the assets and assume the liabilities of 21 

branches of Independent Bank, Ionia, Michigan, 

and thereby establish 21 branches.

CHEMICAL BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Saint Charles Bank and Trust Company, Saint 

Charles, Illinois, to establish a branch located at 

514 West State Street, Geneva, Illinois 60134.

ST. CHARLES BANK & TRUST 

COMPANY

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending August 11, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

* 3A1 Not available

Reliable Community Bancshares, Inc., Perryville, 09/06/2012

Missouri, to acquire 100 percent of First 

Southeast Missouri Bancorporation, Inc., Scott 

City, Missouri, and thereby indirectly acquire 

Security Bank and Trust Company, Scott City, 

Missouri. Also, a companion filing for First 

Southeast Acquisition Corporation, Perryville, 

Missouri, to become a bank holding company 

by acquiring 100 percent of First Southeast 

Missouri Bancorporation, Inc., Scott City, 

Missouri, and thereby indirectly acquire 

Security Bank and Trust Company, Scott City, 

Missouri.

RELIABLE COMMUNITY 

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 August 11, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/06/2012

American Bancor, Ltd., Dickinson, North 

Dakota, to acquire 100 percent of North Country 

Bank, National Association, McClusky, North 

Dakota.

AMERICAN BANCOR, LTD.

Newspaper:

Federal Register:

CIC Not available

08/28/2012

MVC Private Equity Fund, LP, Purchase, NY; 

MVC GP II, LLC, Purchase, NY; MVC Financial 

Services, Inc., Purchase, NY; MVC Partners 

LLC, Purchase, NY; MVC Capital, Inc., 

Purchase, NY; The Tokarz Group Advisors LLC, 

Purchase, NY; Michael Tokarz, Purchase, NY; 

and James Pinto, Greenwich, CT (collectively 

"MVC"), intend to apply to the Federal Reserve 

Board for permission to acquire 24.76 percent of 

the shares of BNCCORP, Inc., Bismarck, ND. 

Additionally, MVC; Prairie Petroleum Inc., 

Denver, CO; Eugene Nicholas, Cando, ND; 

Timothy Dodd, Bismarck, ND; Jeffrey Topp, 

Grace City, ND; Janet Topp, Grace City, ND; 

Roger Kenner, Leeds, ND; Bradley Fey, 

Bismarck, ND; and William Coleman, Denver, 

CO, as a group acting in concert intend 

collectively to acquire more than 25 percent of 

BNCCORP, Inc., and thereby acquire BNC 

National Bank, Glendale, Arizona.

BNCCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Frandsen Financial Corporation, Arden Hills, 

Minnesota, to acquire 100% of Clinton 

Bancshares, Inc., and thereby indirectly acquire 

Clinton State Bank, Clinton, Minnesota.

FRANDSEN FINANCIAL 

CORPORATION

* 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 August 11, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/07/2012

American National Corporation, Omaha, 

Nebraska, to acquire 100 percent of the voting 

shares of Western Bank, St. Paul, Minnesota.

AMERICAN NATIONAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

08/27/2012

Notice by Tom Saunders, Douglas, Wyoming, 

to retain control of Converse County Capital 

Corporation, parent of Converse County Bank, 

both in Douglas, Wyoming. In addition, 

Brittanie Ann Saunders Trust, Marissa Kay 

Saunders Trust, Rachel Christine Saunders 

Trust, Emma Nichole Saunders Trust, Benjamin 

Don Saunders Trust, Garret Alexander Saunders 

Trust, Madison Ann Saunders Trust, Rebecca 

Ann Lutter Trust, Claire Elizabeth Lutter Trust, 

and Hallie Ann Lutter Trust, all of Douglas, 

Wyoming, as members of the Saunders Family 

Group acting in concert, to retain control of 

Converse County Capital Corporation, parent of 

Converse County Bank, both in Douglas, 

Wyoming.

CONVERSE COUNTY CAPITAL 

CORPORATION

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Equity Bank, Andover, Kansas, to merge with 

First Community Bank, Lee's Summit, Missouri, 

and incident thereto, to establish 16 branches: 

Sweet Springs, Windsor, Warrensburg North, 

Warrenburg South, Sedalia, Clinton, Warsaw 

Truman Hills, Warsaw Downtown, Knob 

Noster, Lee's Summit West, Lee's Summit, 

Higginsville Highway, Higginsville Downtown, 

Overland Park, Desoto, and Kansas City 

Tuileries.

EQUITY BANK

Newspaper:

Federal Register:

CIC Not available

07/30/2012

Notice by High Plains Banking Group, Inc. 

KSOP, Flagler, Colorado; Thomas Creighton, Jr., 

Denver, Colorado, individually and as trustee of 

High Plains Banking Group, Inc. KSOP; Lucy 

Loomis, Denver, Colorado; John and Johnita 

Creighton, Longmont, Colorado; Virginia 

Newton, Snowmass, Colorado; Ann Creighton, 

Sammamish, Washington; and Lavina 

Creighton, Atwood, Kansas, all to become 

members of the Creighton Family Group, to 

acquire control of High Plains Banking Group, 

Inc., parent of High Plains Bank, both in Flagler, 

Colorado. High Plains Banking Group, Inc., 

Flagler, Colorado, to redeem 19.4 percent of its 

outstanding common stock.

HIGH PLAINS BANKING GROUP, 

INC.

Newspaper:

Federal Register:

* 3A3

* 3A5

08/29/2012

08/27/2012

Main Banc, Inc., to acquire 100 percent of the 

voting shares of Bank 1st Financial Corporation, 

parent of Bank 1st, all of Albuquerque, New 

Mexico. Bank 1st Financial Corporation will 

merge with and into Main Banc, Inc., and 

shortly thereafter, Bank 1st will merge with Main 

Bank, a wholly-owned subsidiary of Main Banc, 

Inc.

MAIN BANC, 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

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 August 11, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/17/2012

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

acquire additional shares up to 34% 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:

* 3A3 Not available

Not available

HaleCo Bancshares, Inc., Plainview, Texas, to 

acquire 100 percent of LubCo Bancshares, Inc., 

Slaton, Texas, and thereby indirectly acquire 100 

percent of the outstanding shares of Citizens 

Bank, Slaton, Texas.

HALECO BANCSHARES, 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 August 11, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 07/27/2012

07/26/2012

First PacTrust Bancorp, Inc., Irvine, California, 

to merge with Gateway Bancorp, Santa Ana, 

California, with First PacTrust Bancorp, Inc., 

surviving and thereby indirectly acquire 

Gateway Business Bank, Cerritos, California.

FIRST PACTRUST 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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act