Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 3 

Week Ending January 19, 2013

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

Forms -- final Board review to extend with revision the Consumer Satisfaction 

Questionnaire (FR 1379a), Federal Reserve Consumer Help-Consumer Survey 

(FR 1379b), Consumer Online Complaint Form (FR 1379c), and Semiannual Report 

of Derivatives Activity (FR 2436); to extend without revision the Domestic Branch 

Notification (FR 4001); and to conduct the Central Bank Survey of Foreign 

Exchange and Derivatives Market Activity (FR 3036).

- Approved, January 16, 2013

Monetary and Financial Policy

Term Asset-Backed Securities Loan Facility (TALF) -- agreement with the 

Department of the Treasury to end Treasury's credit protection for the TALF under 

the Troubled Asset Relief Program.

- Approved, January 15, 2013

Regulations and Policies

Regulation Z (Truth in Lending) -- final interagency amendments to establish new 

appraisal requirements for "higher-priced mortgage loans," in accordance with the 

Dodd-Frank Act.

- Approved, January 11, 2013

(A/C)

Enforcement

Blue Valley Ban Corp., Overland Park, Kansas, and Bank of Blue Valley -- written 

agreement dated November 4, 2009, terminated January 11, 2013.

- Announced, January 17, 2013

The Commercial & Savings Bank, Millersburg, Ohio -- issuance of a consent order 

of assessment of a civil money penalty.

- Announced, January 17, 2013

H.2 Board Actions January 13, 2013 to January 19, 2013

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

JPMorgan Chase & Co., New York, New York -- issuance of two consent cease and 

desist orders against JPMorgan Chase & Co. requiring it to take corrective action 

(1) to enhance its risk-management program and its finance and internal audit 

functions, particularly regarding its Chief Investment Office, and (2) to enhance its 

program for compliance with the Bank Secrecy Act and other anti-money-laundering 

requirements at its various subsidiaries.

- Announced, January 14, 2013

H.2 Board Actions January 13, 2013 to January 19, 2013

(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

January 13, 2013 to January 19, 2013

MA Monetary Affairs

Bank Branches, Domestic

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 13301 Crystal Hill 

Road, North Little Rock.

St. Louis

- Approved, January 15, 2013

Coastal Community Bank, Everett, Washington -- to establish a branch at 

928 Avenue D, Snohomish.

San Francisco

- Approved, January 18, 2013

Bank Holding Companies

4830 Acquisition Company, LLC, Tampa, Florida -- to become a bank holding 

company by acquiring Southern Commerce Bank, National Association, Tampa.

Atlanta

- Withdrawn, January 14, 2013

First Belleville Bancshares, Inc., Abilene, Kansas -- to engage, through the 

acquisition of an interest in National Billing, LLC, Ellinwood, in servicing of 

accounts receivable for third parties and facilitating the funding of accounts 

receivable with various lenders.

Kansas City

- Approved, January 17, 2013

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

NBT Bancorp, Inc., Norwich, New York -- waiver of application to merge with 

Alliance Financial Corporation, Syracuse, in connection with the merger of their 

respective subsidiaries, NBT Bank, N.A., Norwich, and Alliance Bank, N.A., 

Syracuse.

New York

- Granted, January 14, 2013

Bank Premises

Ohio Valley Financial Group, Inc., Henderson, Kentucky -- to increase its investment 

in bank premises.

St. Louis

- Approved, January 15, 2013

Change in Bank Control

Middlefield Banc Corp, Middlefield, Ohio -- change in bank control of Middlefield 

Banc Corp and its subsidiaries, The Middlefield Banking Company, Middlefield, and 

Emerald Bank, Dublin.

Cleveland

- Permitted, January 14, 2013

Extensions of Time

Anchor Commercial Bank, Juno Beach, Florida -- extension of time to receive 

comments from a commenter on the notice by Guido Hinojosa to acquire control of 

Anchor Commercial Bank.

Secretary

- Granted, January 15, 2013

H.2 Actions under delegated authority January 13, 2013 to January 19, 2013

(A/C) = Addition or Correction Delegated - 2 of 4
Extensions of Time

CenterGroup Financial, Inc., Milford, Ohio -- extension to April 21, 2013, to become 

a bank holding company by acquiring CenterBank, Milford.

Cleveland

- Granted, January 18, 2013

Citigroup Inc., New York, New York -- extension of time to divest certain real estate 

held by indirect subsidiaries in El Salvador, Guatemala, Mexico, and Nicaragua.

Director, BS&R

- Granted, January 18, 2013

Liberty Bank of Arkansas, Jonesboro, Arkansas -- extension to June 19, 2013, to 

establish a branch at 1400 East Joyce Boulevard, Fayetteville.

St. Louis

- Granted, January 18, 2013

SKBHC Holdings LLC, Seattle, Washington, and AmericanWest Bank -- extension 

to February 4, 2013, to acquire PremierWest Bancorp, Medford, Oregon, and thereby 

acquire PremierWest Bank.

San Francisco

- Granted, January 18, 2013

Membership

Bridgewater Savings Bank, Raynham, Massachusetts -- to become a member of the 

Federal Reserve System.

Boston

- Approved, January 18, 2013

H.2 Actions under delegated authority January 13, 2013 to January 19, 2013

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

Weymouth Bank, East Weymouth, Massachusetts -- to become a member of the 

Federal Reserve System.

Boston

- Approved, January 18, 2013

H.2 Actions under delegated authority January 13, 2013 to January 19, 2013

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

Federal Reserve Bank of Boston

Filings received during the week ending January 19, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 01/17/2013

01/19/2013

Application by Franklin Bancorp MHC, 

Franklin, New Hampshire to establish a mutual 

bank holding company through the acquisition 

of Franklin Savings Bank, Franklin, New 

Hampshire. The filing was submitted pursuant 

to section 3(a)(1) of the Bank Holding Company 

Act of 1956, as amended.

FRANKLIN BANCORP MHC

* 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 January 19, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

02/11/2013

The Adirondack Trust Company Employee 

Stock Ownership Trust, Saratoga Springs, New 

York, to acquire fifty additional shares of 473 

Broadway Holding Corporation and two 

thousand additional shares of The Adirondack 

Trust Company, both of Saratoga Springs, New 

York.

ADIRONDACK TRUST 

COMPANY EMPLOYEE STOCK 

OWNERSHIP TRUST, THE

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

The Adirondack Trust Company, Saratoga 

Springs, New York, provides notice to increase 

its investment in bank premises in the amount of 

$200,000, pursuant to Section 24A of the Federal 

Reserve Act and Section 208.21 of Regulation 

H.

ADIRONDACK TRUST 

COMPANY, THE

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 910118 TIOGA ST BK, SPENCER, NEW YORK 03/05/2012 01/03/2013 S Int Sm Bank

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 January 19, 2013

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

 354310 UNIVEST NB&TC, SOUDERTON, PENNSYLVANIA 08/13/2012 12/28/2012 S Large Bank

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 January 19, 2013

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

 213912 APPLE CREEK BKG CO, APPLE CREEK, OHIO 09/04/2012 01/03/2013 S Small Bank

 723112 FIFTH THIRD BK, CINCINNATI, OHIO 11/14/2011 01/03/2013 S Large Bank

 783910 NORTH VALLEY BK, ZANESVILLE, OHIO 06/18/2012 01/03/2013 S Small Bank

 814711 PEOPLES B&TC, HAZARD, KENTUCKY 08/20/2012 01/03/2013 S Small 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 January 19, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banque Centrale Populaire, Casablanca, 

Morocco, to establish a representative office in 

Washington, D.C.

BANQUE CENTRALE 

POPULAIRE

Newspaper:

Federal Register:

* SLHC Not available

Acquisition Not available

Bay-Vanguard, MHC and BV Financial, Inc, 

both of Sparrow Point, Maryland, to acquire 

100% of the voting shares of Vigilant Federal 

Savings Bank, Essex, Maryland.

BAY-VANGUARD, MHC

* 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

 667524 BANK OF CHARLOTTE CTY, PHENIX, VIRGINIA 10/01/2012 01/03/2013 S Small Bank

 991621 CITIZENS B&TC, BLACKSTONE, VIRGINIA 09/24/2012 12/27/2012 S Large Bank

 2718345 MONARCH BK, CHESAPEAKE, VIRGINIA 07/16/2012 01/03/2013 S Int Sm Bank

 417626 PUTNAM CTY BK, HURRICANE, WEST VIRGINIA 10/01/2012 01/03/2013 S Int Sm Bank

 274829 TRUPOINT BK, GRUNDY, VIRGINIA 08/27/2012 01/03/2013 S Int Sm 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 January 19, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

4830 Acquistion Company, LLC, to become a 

bank holding company by acquiring 100 percent 

of the outstanding shares of Southern 

Commerce Bank, National Association, both of 

Tampa, Florida.

4830 ACQUISITION COMPANY, 

LLC

* 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

 3415463 COMMERCE UNION BK, SPRINGFIELD, TENNESSEE 09/17/2012 01/03/2013 O Small Bank

 150035 FIRST FARMERS & MRCH B, COLUMBIA, TENNESSEE 09/10/2012 12/31/2012 O Int Sm 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 January 19, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/31/2013

The group consisting of the Robert M. Wrobel 

Trust, Mr. Robert Wrobel, Glencoe, Illinois, as 

Trustee; the Debra Wrobel Trust, Debra 

Wrobel, Glencoe, Illinois, as Trustee; three 

related Wrobel Family Trusts, Debra Wrobel, 

Glencoe, Illinois, as Trustee; and Dr. Jack 

Havdala, Jonesboro, Arkansas; propose to 

acquire above 25 percent of the shares of 

Amalgamated Investments Company, Chicago, 

Illinois and thereby indirectly acquire control of 

Amalgamated Bank of Chicago, Chicago, 

Illinois.

AMALGAMATED 

INVESTMENTS COMPANY

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Blackhawk Bancorp, Inc., Beloit, 

Wisconsin, to acknowledge Kevin J. Hendricks, 

of Janesville, Wisconsin, has applied to retain, 

as part of a family group including Diane M. 

Hendricks, 25 percent or more of the shares and 

thereby control of Blackhawk Bancorp, Inc., 

Beloit, Wisconsin. Blackhawk Bancorp, Inc. 

controls Blackhawk Bank, Beloit, Wisconsin.

BLACKHAWK BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Sabina Bosshard, Homer, Minnesota, 

individually, and as co trustee of the Sabina 

Bosshard Irrevocable Trust ("Trust"), and 

Sabina Bosshard, together as a group acting in 

concert with Trust, the Lindsey Bosshard Trust, 

Jeff Gray, LaCrosse, Wisconsin, as co trustee of 

Trust and trustee of the Lindsey Bosshard 

Trust, Ross E. Parke, New York, New York, as 

independent trustee of Trust, Kurt Bosshard, 

Kapaa, Hawaii, John Bosshard III, McCarthy, 

Alaska, William Bosshard and Andrew 

Bosshard, both of La Crosse, Wisconsin, 

Carlista Bosshard, Madison, Wisconsin, Joseph 

Bosshard and Makenzie Bosshard, both of 

Boulder, Colorado, Nathan Bosshard-Blakely, 

Berkeley, California, Elizabeth Bosshard-Blakely, 

South Pasadena, California, Alexandra 

Bosshard, Sandy, Utah, and John Bosshard, 

Superior, Colorado, to retain control of 25 

percent or more of the outstanding voting 

shares of Bosshard Financial Group, Inc., La 

Crosse, Wisconsin, and thereby to indirectly 

retain control of Grand Marsh State Bank, Grand 

Marsh, Wisconsin, and Farmers State Bank ? 

Hillsboro, Hillsboro, Wisconsin.

BOSSHARD FINANCIAL GROUP, 

INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending January 19, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/31/2013

Stanley Dickson, Jr., Gross Pointe Park, 

Michigan, as an individual, and the group 

consisting of Stanley Dickson, Jr., Gross Pointe 

Park, Michigan, Steven Dickson, Rancho Santa 

Fe, California, Kathryn J. Dickson, Howell, 

Michigan and Riddle Limited Partnership, 

Howell, Michigan ("Riddle LP"), propose to 

acquire control of FNBH Bancorp, Inc., Howell, 

Michigan ("FNBH"), and thereby indirectly 

control First National Bank in Howell, Howell, 

Michigan.

FNBH BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

02/07/2013

Palen Trust for Descendents and Edward Palen, 

as trustee of the Palen Trust for Descendents, 

both of Forrest, Illinois, individually, and 

together as a group acting in concert with the 

Palen Marital Trust, Forrest, Illinois, Edward 

Palen, Lorraine Palen, and Joseph Palen, all of 

Forrest, Illinois, individually and as co-trustees 

of the Palen Marital Trust, Elizabeth Dray and 

Judith Somers, both of Forrest, Illinois, Marie 

King, Piper City, Illinois, and Leona Pacheco, 

Springfield, Illinois, to retain control of 25 

percent or more of the voting shares of Forrest 

Bancshares, Inc., Forrest, Illinois, and thereby 

to indirectly retain control of First State Bank of 

Forrest, Forrest, Illinois.

FORREST BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 12/11/2012

02/01/2013

Trident SBI Holdings, L.P., Trident SBI GP 

Holdings, LLC, Trident V, L.P., Trident V Parallel 

Fund, L.P., Trident V Professionals Fund, L.P., 

Trident Capital V, L.P., Trident Capital V PF, 

L.P., Stone Point Capital LLC, Stone Point GP 

Ltd, SPC Management Holdings, LLC, CD 

Trident V, LLC, MH Trident V, LLC, JC Trident 

V, LLC, DW Trident V, LLC, NZ Trident V, LLC, 

and Charles A. Davis, all of Greenwich, 

Connecticut, and James D. Carey, Riverside, 

Connecticut, Meryl D. Hartzband and David J. 

Wermuth, both of New York, New York, and 

Nicholas D. Zerbib, Larchmont, New York, to 

acquire 10 percent or more of the voting shares 

of Standard Bancshares, Inc., and thereby 

indirectly acquire control of Standard Bank and 

Trust Company, both of Hickory Hills, Illinois.

STANDARD BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

02/01/2013

Van Buren Bancorporation, Inc., Keosauqua, 

Iowa, to acquire 100 percent of First Iowa State 

Bank, Albia, Iowa.

VAN BUREN 

BANCORPORATION

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

Federal Reserve Bank of Chicago

Filings received during the week ending January 19, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* MHC Not available

Conversion 12/18/2012

WBSB Bancorp, MHC proposes to convert to 

stock form and merge with and into WBSB 

Bancorp, Inc. (the "Bancorp"), an existing 

savings and loan holding company. Immediately 

after the merger, the Bancorp will merge with 

and into a new company called Westbury 

Bancorp, Inc., which will become a savings and 

loan holding company through the acquisition 

of 100 percent of the outstanding stock of 

Westbury Bank, a federal stock savings bank 

headquartered in West Bend, Wisconsin.

WBSB BANCORP, MHC

* 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

 825146 MORTON CMNTY BK, MORTON, ILLINOIS 11/28/2011 12/26/2012 S Large Bank

 235446 SHELBY CTY ST BK, SHELBYVILLE, ILLINOIS 09/17/2012 01/05/2013 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 January 19, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 02/17/2013

02/19/2013

Cabool State Bank Employee Stock Ownership 

Plan, Cabool, Missouri, to acquire up to 1.58 

percent (for total control of up to 29.38 percent) 

of the outstanding voting shares of Cabool 

Bancshares, Inc., Cabool, Missouri, and thereby 

increase its indirect control of Cabool State 

Bank, Cabool, Missouri.

CABOOL STATE BANK 

EMPLOYEE STOCK OWNERSHIP 

PLAN

* 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

 931047 BANK OF SALEM, SALEM, ARKANSAS 10/01/2012 01/07/2013 S Small Bank

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 January 19, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Lake Shore III Corporation, Glenwood City, 

Wisconsin, to become a bank holding company 

by acquiring 100 percent of Hiawatha National 

Bank, Hager City, Wisconsin.

LAKE SHORE III CORPORATION

Newspaper:

Federal Register:

CIC 01/31/2013

01/07/2013

Change in Control notice by James and Nita 

Wallenfelsz, both of North Oaks, Minnesota, to 

acquire 25 percent or more of the shares of N.A. 

Corporation, Roseville, Minnesota, and thereby 

indirectly gain control of North American 

Banking Company, Roseville, Minnesota.

N.A. CORPORATION

Newspaper:

Federal Register:

CIC Not available

02/05/2013

Thomas Winkels, individually and as trustee of 

six McNeilus Family Trusts, and Donna 

McNeilus, individually, all of Dodge Center, 

Minnesota, to acquire or retain control of 25 

percent or more of the shares and thereby 

control of Sterling Financial Group, Inc., 

Rochester, Minnesota (SFG). SFG controls 

Sterling State Bank, Austin, Minnesota. In 

addition, Thomas Winkels; Myrlane Winkels, 

Dodge Center, Minnesota; Christopher 

Winkels, New Market, Minnesota; Sara 

Winkels, Dodge Center, Minnesota; and the six 

McNeilus Family Trusts, Dodge Center, 

Minnesota; comprise the Winkels and 

McNeilus Family Trust group, and Donna 

McNeilus; Justin McNeilus, Byron, Minnesota; 

Christina McNeilus, Dodge Center, Minnesota; 

and Kimberly McNeilus, Dodge Center, 

Minnesota; to join the McNeilus Family 

Shareholder group which both control 25% or 

more of the shares and thereby control SFG and 

indirectly control Sterling State Bank.

STERLING FINANCIAL GROUP, 

INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Retroactive change in control notice by Kellen 

M. Shebeck, Underwood, Minnesota, and 

Meegan S. Heidebrink, Adrian, Minnesota, each 

to retain 25 percent or more of the shares of 

Underwood Bancshares, Inc., Underwood, 

Minnesota, and thereby indirectly retain control 

of Farmers State Bank of Underwood, 

Underwood, Minnesota.

UNDERWOOD 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 January 19, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

First State Bank of Colorado, Hotchkiss, 01/31/2013

Colorado, to establish a branch at 564 Main 

Street, Delta, Colorado.

FIRST STATE BANK OF 

COLORADO

Newspaper:

Federal Register:

* 3A1 Not available

02/19/2013

Palmer Bancshares, Inc., Palmer, Kansas, to 

become a bank holding company through the 

acquistion of 100 percent of the voting shares 

of Bank of Palmer, Palmer, Kansas.

PALMER BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

01/31/2013

Notice submitted by Dalene M. Selko, to acquire 

control of Selko Banco, Inc., parent of Bank of 

Mead, all of Mead, Nebraska.

SELKO BANCO, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Valley State Bank, Syracuse, Kansas, to 01/17/2013

establish a branch at 511 N. Campus, Garden 

City, Kansas.

VALLEY STATE BANK, THE

Newspaper:

Federal Register:

CIC Not available

01/25/2013

Notice submitted by the Donald L. Patry 

Revocable Trust, Newton, Kansas; Ellen M. 

Patry Revocable Trust, Newton, Kansas, and 

Ellen Patry, trustee, Newton, Kansas; Corey and 

Cynthia Patry, Wichita, Kansas; Brandon Patry, 

Valley Center, Kansas, and Katie Patry, Valley 

Center, Kansas, as a group acting in concert, to 

retain control of Whitewater Bancshares, Inc., 

parent of Bank of Whitewater, both in 

Whitewater, Kansas.

WHITEWATER BANCSHARES, 

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 January 19, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Frost Bank, San Antonio, Texas, to establish a 

branch to be located at 1200 McKinney Street, 

Houston, Texas 77010.

FROST BANK

* 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 January 19, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

4c8 Not available

Columbia Banking System, Inc., Tacoma, 

Washington, to merge with West Coast 

Bancorp, and thereby indirectly acquire its 

subsidiary bank, West Coast Bank, both Lake 

Oswego, Oregon, and to acquire Totten, Inc., 

WCB Mortgage Company, and West Coast 

Mortgage Co., all of Lake Oswego, Oregon, and 

West Coast Trust Company, Inc., Portland, 

Oregon.

COLUMBIA BANKING SYSTEM, 

INC.

Newspaper:

Federal Register:

CIC Not available

10/30/2012

Notice by Thomas Galt Atwood, Glen Ellen, 

California, and Cypress Abbey Company, 

Colma, California, to retain 10 percent or more of 

the outstanding shares of capital stock of FNB 

Bancorp, and thereby indirectly retain 10 perent 

or more of the voting shares of First National 

Bank of Northern California, both of South San 

Francisco, California.

FNB BANCORP

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act