Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 4 

Week Ending January 26, 2013

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

Trustmark Corporation, Jackson, Mississippi -- to merge with BancTrust Financial 

Group, Inc., Mobile, Alabama, and to acquire its subsidiary, BankTrust (FRB Order 

No. 2013-1).

- Approved, January 24, 2013

Forms

Forms -- initial Board review to extend with revision the Senior Credit Officer 

Opinion Survey on Dealer Financing Terms (FR 2034).

- Proposed, January 23, 2013

Forms -- final Board review to extend without revision the disclosure and reporting 

requirements of CRA-Related Agreements (Reg G) and disclosure requirements of 

Subpart H of Regulation H (Consumer Protections in Sales of Insurance) (Reg H-7).

- Approved, January 24, 2013

Enforcement

Farmers and Merchants Bancshares, Inc., Burlington, Iowa -- written agreement 

dated February 28, 2011, terminated January 18, 2013.

- Announced, January 24, 2013

Flathead Holding Company of Bigfork, Bigfork, Montana -- written agreement with 

the Federal Reserve Bank of Minneapolis.

- Announced, January 22, 2013

H.2 Board Actions January 20, 2013 to January 26, 2013

(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

January 20, 2013 to January 26, 2013

MA Monetary Affairs

Bank Branches, Domestic

StellarOne Bank, Christiansburg, Virginia -- to establish a branch at 9605 Gayton 

Road, Richmond.

Richmond

- Approved, January 24, 2013

The Valley State Bank, Syracuse, Kansas -- to establish a branch at 511 North 

Campus Drive, Garden City.

Kansas City

- Approved, January 23, 2013

Bank Holding Companies

BBIG Holdings, LLC, Lincoln, Nebraska -- to become a bank holding company by 

acquiring shares of Hilltop Bancshares, Inc., Bennington, and its subsidiary, Bank of 

Bennington.

Kansas City

- Approved, January 24, 2013

Flushing Financial Corporation, Flushing, New York -- to become a bank holding 

company upon the merger of Flushing Savings Bank, FSB, Flushing, with and into 

Flushing Commercial Bank (to be known as Flushing Bank), North New Hyde Park.

New York

- Approved, January 22, 2013

(A/C) = Addition or Correction Delegated - 1 of 3
Bank Holding Companies

Pacific Continental Corporation, Eugene, Oregon -- waiver of application to 

indirectly acquire Century Bank, Eugene, in connection with its merger with and into 

Pacific's subsidiary, Pacific Continental Bank.

San Francisco

- Granted, January 23, 2013

Banks, Foreign

Itau BBA International Limited, London, United Kingdom, and Itau Investment LLC, 

Wilmington, Delaware -- to indirectly acquire control of Banco Itau Europa 

International, Miami, Florida.

Director, BS&R

- Approved, January 25, 2013

Change in Bank Control

BSA Financial Services, Inc., St. Augustine, Florida -- change in bank control of 

BSA Financial Services and its subsidiary, Bank of St. Augustine, St. Augustine.

Atlanta

- Permitted, January 24, 2013

First of Murphysboro Corp., Murphysboro, Illinois -- change in bank control of First 

of Murphysboro Corp. and its subsidiary, The First Bank and Trust Company of 

Murphysboro, Murphysboro.

St. Louis

- Permitted, January 22, 2013

H.2 Actions under delegated authority January 20, 2013 to January 26, 2013

(A/C) = Addition or Correction Delegated - 2 of 3
Change in Bank Control

Mid-Missouri Bancshares, Inc., Springfield, Missouri -- change in bank control of 

Mid-Missouri Bancshares and its subsidiary, Mid-Missouri Bank, Springfield.

St. Louis

- Permitted, January 24, 2013

Neisen Bancshares, Inc., Watkins, Minnesota -- to retain control of Neisen 

Bancshares and its subsidiary, Farmers State Bank of Watkins, Watkins.

Minneapolis

- Permitted, January 23, 2013

Extensions of Time

Bank of America Corporation, Charlotte, North Carolina -- extension of time to 

divest certain merchant banking investments.

Director, BS&R

- Granted, January 25, 2013

Town and Country Bank, Springfield, Illinois -- extension to March 15, 2013, to 

purchase the assets and assume liabilities of Logan County Bank, Lincoln, and 

thereby establish branches.

Chicago

- Granted, January 24, 2013

Financial Holding Companies 

Cortland Bancorp, Cortland, Ohio -- election to become a financial holding company.

Cleveland

- Effective, January 23, 2013

H.2 Actions under delegated authority January 20, 2013 to January 26, 2013

(A/C) = Addition or Correction Delegated - 3 of 3
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending January 26, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 Not available

Application by Wakefield Bancorp, MHC, 

Wakefield, Massachusetts, a mutual bank 

holding company, to form a wholly-owned, 

mid-tier, stock bank holding company, 

Wakefield Bancorp, Inc., Wakefield, 

Massachusetts, through its acquisition of 100% 

of the shares of The Savings Bank, Wakefield, 

Massachusetts, pursuant to sections 3(a)(1) 

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

of 1956, as amended.

Wakefield 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 26, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 02/09/2013

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:

FBSEA Not available

Not applicable

Commonwealth Bank of Australia, Sydney, 

Australia, to establish representative office in 

Houston, Texas, pursuant to Section 10(a) of 

the International Banking Act of 1978, as 

amended and Section 211.24(a)(2)(i)(B)(1) of 

Regulation K.

COMMONWEALTH BANK OF 

AUSTRALIA

Newspaper:

Federal Register:

* 4c8 Not available

Not available

Investors Bancorp, MHC and Investors 

Bancorp, Inc., both of Short Hills, New Jersey, 

providing notice pursuant to Section 4(c)(8) of 

the BHC Act and Section 225.24 of Regulation 

Y, to acquire Roma Financial MHC, Roma 

Financial Corporation, Roma Bank, all of 

Robbinsville, New Jersey and RomAsia Bank, 

Monmouth Junction, New Jersey.

INVESTORS BANCORP, 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 January 26, 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

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 January 26, 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

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 January 26, 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 

Acquisition

02/18/2013

02/22/2013

Bay-Vanguard, MHC and BV Financial, Inc, 

both of Sparrow Point, Maryland, to acquire 

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

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 January 26, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 02/18/2013

02/19/2013

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

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 January 26, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 01/20/2013

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:

4c8 Not applicable

Not available

Baylake Corporation, Sturgeon Bay, Wisconsin, 

formed a single-member limited liability 

company subsidiary named Admiral Asset 

Management, LLC, Greenbay, Wisconsin. It will 

be conducting traditional registered investment 

advisory services through its registered 

investment adviser representatives. These 

services will be provided to customers of 

Baylake Bank, Sturgeon Bay, Wisconsin.

BAYLAKE CORP.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Blackhawk Bancorp, Inc., Beloit, 

Wisconsin, to acknowledge Kevin J. Hendricks 

and Kendra Hendricks, of Janesville, 

Wisconsin, have applied to retain, as part of a 

family group including Diane M. Hendricks, 25 

percent or more of the shares of Blackhawk 

Bancorp, Inc., Beloit, Wisconsin, and thereby 

control of 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 of 

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 26, 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:

* 3A3 02/07/2013

02/01/2013

Van Buren Bancorporation, Inc., Keosauqua, 

Iowa, to acquire 100 percent of First Iowa State 

Bank, Albia, Iowa.

VAN BUREN 

BANCORPORATION

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

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 January 26, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Midland States Bank, Effingham, Illinois, to 02/04/2013

establish a branch facility to be located at 1617 

West Springfield Avenue, Champaign, Illinois.

MIDLAND STATES BANK

Newspaper:

Federal Register:

* 3A3 02/16/2013

02/22/2013

Murphy-Wall Bancorp, Inc., Pinckneyville, 

Illinois, to acquire 100 percent of Elkville State 

Bank, Elkville, Illinois.

MURPHY-WALL BANCORP, 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 January 26, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

02/21/2013

State Bankshares, Inc., Fargo, North Dakota, to 

acquire 100 percent of Business 

Bancorporation, Inc., Minnetonka, Minnesota, 

and thereby indirectly acquire The Business 

Bank, Minnetonka, Minnesota.

STATE BANKSHARES, INC.

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

02/11/2013

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 26, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 01/18/2013

02/22/2013

Eagle Bancshares, Inc., Eagle, Nebraska, to 

become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Eagle State Bank, Eagle, Nebraska.

EAGLE BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 02/19/2013

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 02/06/2013

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:

* 3A1 Not available

02/25/2013

Weststar Bancorp, Albuquerque, New Mexico, 

to become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Sunrise Bank of Albuquerque, Albuquerque, 

New Mexico.

WESTSTAR BANCORP

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 26, 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

Newspaper:

Federal Register:

* 3A3 Not available

4c8 Not available

Strategic Growth Bank Incorporated and 

Strategic Growth Bancorp Incorporated, both of 

El Paso, Texas, to acquire 100 percent of the 

common stock of New Mexico Banquest 

Corporation, Santa Fe, New Mexico, through the 

merger of its wholly owned merger subsidiary 

NM Lobo Acquisition Corporation, a Delaware 

corporation, and indirectly acquire First 

National Bank of Santa Fe; First Santa Fe 

Advisors, LLC to engage in financial and 

investment activities; and First Santa Fe 

Insurance Services, Inc., to engage in insurance 

activities, all of Santa Fe, New Mexico.

STRATEGIC GROWTH BANK 

INCORPORATED

* 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 26, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

4c8 02/21/2013

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

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notice of Change in Control by the 

Thian Control Group, including Yee Phong 

(Alan) Thian, Fen Fen Thian, Min Yaw Thian, 

Min Tat Thian, and Gim Tie (Tony) Kheng, all of 

Arcadia, California; Fui Ming (Catherine) Thian, 

Lawrence S K Law, and Jor Leong Law all of 

Calabasas, California; Yee Chin (Victor) Thian of 

Glendale, California; Jennifer Wei Lim Kheng of 

San Francisco, California; Jor Teck Law of 

Beijing, China; Min Yang Thian of Kuala 

Lumpur, Malaysia; Min Jie Thian of New York, 

New York; United Overseas Investment, Inc. 

and Eastern Union, Inc., both of Sherman Oaks, 

California; and their related family members and 

interests, to retain 10 percent or more of the 

voting stock of RBB Bancorp, and thereby 

indirectly retain 10 percent or more of the voting 

stock of Royal Business Bank, both of Los 

Angeles, California.

RBB BANCORP

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notice of Change in Control by the 

Kao Control Group, including Dr. Ruey Chyr 

Kao, Je Tsu Kao, and James Kao, all of Las 

Vegas, Nevada; Dr. Min Hwan Kao and Yu Fan 

Kao of Leawood, Kansas; Daniel J. Kao and 

Linda Lee Kao of La Jolla, California; Christina 

Kao of Piscataway, New Jersey; and their 

related family members, to acquire 10 percent or 

more of the voting stock of RBB Bancorp, and 

thereby indirectly acquire 10 percent or more of 

the voting stock of Royal Business Bank, both 

of Los Angeles, California.

RBB BANCORP

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

Federal Reserve Bank of San Francisco

Filings received during the week ending January 26, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notice of Change in Control by the 

Chang Control Group, including Louis C. Chang 

and Su-Cheng C. Chang, both of Palos Verdes 

Estates, California; Peter Ming Chang of Los 

Alamitos, California; and their related family 

members, to acquire 10 percent or more of the 

voting stock of RBB Bancorp, and thereby 

indirectly acquire 10 percent or more of the 

voting stock of Royal Business Bank, both of 

Los Angeles, California.

RBB 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