Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 27 

Week Ending July 2, 2011

Board of Governors of the Federal Reserve System, Washington, DC 20551
Banks, Foreign

Bank of Taiwan, Taipei, Taiwan -- to establish a branch in New York, New York.

- Approved, June 27, 2011

Personnel

Office of Inspector General -- appointment of Mark Bialek as inspector general of the 

Board and the Bureau of Consumer Financial Protection, effective July 25, 2011.

- Announced, June 30, 2011

Regulations and Policies

College Credit Card Agreements -- annual report to Congress under the Credit Card 

Accountability Responsibility and Disclosure Act regarding agreements between 

credit card issuers and institutions of higher education or certain affiliated 

organizations that provide for the issuance of credit cards to college students.

- Approved, June 27, 2011

Host-State Lending Ratios -- interagency release of the host-state loan-to-deposit 

ratios used by the banking agencies to determine compliance with the Riegle-Neal 

Interstate Banking and Branching Efficiency Act.

- Published, June 30, 2011

Presidential $1 Coin Program -- annual report to Congress on the Presidential 

$1 Coin Program.

- Approved, June 27, 2011

Regulation II (Debit Card Interchange Fees and Routing) -- final rule establishing 

standards for debit card interchange fees and prohibiting network exclusivity 

arrangements and routing restrictions and interim final rule with request for comment 

on a fraud-prevention adjustment for interchange transaction fees, in accordance with 

the Dodd-Frank Act.

- Approved, June 29, 2011

H.2 Board Actions June 26, 2011 to July 2, 2011

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

Regulations V (Fair Credit Reporting) and B (Equal Credit Opportunity) -- final 

interagency amendments to require disclosure of credit scores and related 

information to consumers in risk-based pricing notices and adverse action notices if a 

credit score is used in setting the credit terms or taking adverse action, in accordance 

with the Dodd-Frank Act.

- Approved, July 1, 2011

Enforcement

First Chatsworth Bankshares, Inc., Chatsworth, Georgia -- written agreement with the 

Federal Reserve Bank of Atlanta.

- Announced, June 28, 2011

First National Bancshares of Central Alabama, Inc., Aliceville, Alabama -- written 

agreement with the Federal Reserve Bank of Atlanta.

- Announced, June 28, 2011

JLL Associates G.P. FCH, L.L.C., New York, New York; JLL Associates FCH, L.P.; 

JLL Partners Fund FCH, L.P.; JLL/FCH Holdings I, L.L.C.; and FC Holdings, Inc., 

Webster, Texas -- written agreement with the Federal Reserve Bank of Dallas.

- Announced, June 28, 2011

Southern Community Financial Corporation, Winston-Salem, North Carolina -- 

written agreement with the Federal Reserve Bank of Richmond.

- Announced, June 28, 2011

H.2 Board Actions June 26, 2011 to July 2, 2011

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSD Office of Staff Director

June 26, 2011 to July 2, 2011

Bank Branches, Domestic

Centennial Bank, Conway, Arkansas -- to establish a mobile branch in the Florida 

counties of Bay, Calhoun, Franklin, Gulf, Lake, Leon, Liberty, Orange, and 

Seminole.

St. Louis

- Approved, July 1, 2011

Bank Holding Companies

Carroll County Bancshares, Inc., Carrollton, Missouri -- modification of certain 

commitments.

Director, BS&R

- Granted, June 29, 2011

Park Sterling Corporation, Charlotte, North Carolina -- to acquire Community 

Capital Corporation, Greenwood, South Carolina, and thereby acquire CapitalBank.

Richmond

- Approved, June 30, 2011

Wintrust Financial Corporation, Lake Forest, Illinois -- to acquire Great Lakes 

Advisors, Inc., Chicago, and thereby engage in financial and investment advisory 

activities.

Chicago

- Approved, June 28, 2011

(A/C) = Addition or Correction Delegated - 1 of 3
Change in Bank Control

FBHC Holding Company, Boulder, Colorado -- to retain control of FBHC and its 

subsidiary bank, Flatirons Bank, Boulder.

Kansas City

- Permitted, June 28, 2011

Prairie State Bancshares, Inc., Hoxie, Kansas -- change in bank control of Prairie 

State and its subsidiary bank, State Bank, Hoxie.

Kansas City

- Permitted, July 1, 2011

Shelby Bancshares, Inc., Center, Texas -- to retain control of Shelby and its 

subsidiary thrift, Shelby Savings Bank, SSB, Center.

Dallas

- Permitted, June 28, 2011

Teton Bancshares, Inc., Fairfield, Montana -- change in bank control of Teton and its 

subsidiary bank, Teton Banks, Fairfield.

Minneapolis

- Permitted, June 28, 2011

Extensions of Time

China Investment Corporation, Beijing, People's Republic of China; Central Huijin 

Investment Ltd.; and Industrial and Commercial Bank of China Limited -- extension 

of time to receive comments from certain commenters on the application to acquire 

shares of The Bank of East Asia (U.S.A.) National Association, New York, New 

York.

Secretary

- Granted, July 1, 2011

H.2 Actions under delegated authority June 26, 2011 to July 2, 2011

(A/C) = Addition or Correction Delegated - 2 of 3
Extensions of Time

Lake City Bank, Warsaw, Indiana -- extension to October 12, 2011, to establish a 

branch at Outlot 2 Parcel at Parkwood West, Indianapolis.

Chicago

- Granted, July 1, 2011

Membership

First Delta Bank, Marked Tree, Arkansas -- to become a member of the Federal 

Reserve System.

St. Louis

- Approved, June 30, 2011

Univest National Bank and Trust Co., Souderton, Pennsylvania -- to retain 

membership in the Federal Reserve System on conversion to a state-chartered bank, 

Univest Bank and Trust Co.

Philadelphia

- Approved, June 28, 2011

H.2 Actions under delegated authority June 26, 2011 to July 2, 2011

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

Federal Reserve Bank of Boston

Filings received during the week ending July 2, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

07/15/2011

BSB Bancorp, Inc., Belmont, Massachusetts to 

acquire 100% of the outstanding capital stock of 

Belmont Savings Bank, Belmont, 

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

the BHC Act, in connection with the conversion 

of the holding company from mutual to stock 

form.

BSB BANCORP INC

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 Not available

Application by Provident Bancorp, Amesbury, 

Massachusetts, a mutual bank holding 

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

stock bank holding company, Provident 

Bancorp, Inc., Amesbury, Massachusetts, 

through its acquisition of 100% of the shares of 

The Provident Bank, Amesbury, 

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

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

1956, as amended.

PROVIDENT BANCORP

* Subject to the provisions of the Community Reinvestment Act
District: 1

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending July 2, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco BPI, S.A., Porto, Portugal, to establish 

representative offices in Newark, New Jersey 

and Fall River, Massachusetts, pursuant to 

Section 10(a) of the International Banking Act 

of 1978, as amended and Section 211.24(a)(1) of 

Regulation K.

BANCO BPI, S.A.

Newspaper:

Federal Register:

CIC Not available

Not available

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

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

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

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

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

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

Managers VI, LLC, Thomas H. Lee Partners, 

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

DiNovi and Scott M. Sperling, all of Boston, 

Massachusetts, to directly acquire 24.9 percent 

of the voting common stock of First BanCorp, 

and thereby indirectly acquire FirstBank Puerto 

Rico, both of San Juan, Puerto Rico.

FIRST BANCORP

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Manufacturers and Trust Company, Buffalo, 

New York, to establish a limited-service branch 

located at 4949 SW Meadows Road, Suite 500, 

Lake Oswego, Clackamas County, Oregon.

MANUFACTURERS AND 

TRADERS TRUST COMPANY

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending July 2, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 18C

* 3A5

07/08/2011

Customers Bancorp, Inc., Phoenixville, PA, to 

become a bank holding company through the 

reorganization of Customers Bank, Phoenixville, 

PA, resulting from the merger of New Century 

Interim Bank, Phoenixville, PA, with and into 

Customers Bank. Subsequently, Berkshire 

Bancorp, Wyomissing, PA, will merge with and 

into Customers Bancorp, Inc., and Berkshire 

Bank, Wyomissing, PA, will merge with and into 

Customers Bank, Phoenixville, PA.

CUSTOMERS BANCORP, INC

Newspaper:

Federal Register:

CIC Not available

07/21/2011

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

Financial Partners, L.P., Patriot Financial 

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

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

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

James J. Lynch, all of Philadelphia, 

Pennsylvania, to purchase up to 24.9 percent of 

Heritage Oakes Bancorp, parent of Heritage 

Bank, both in Paso Robles, CA.

PATRIOT FINANCIAL 

PARTNERS LP

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending July 2, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8

Not available

Section 4(c)(8) application by First Southern 07/21/2011

Bancorp., Inc., Stanford, KY to acquire up to 

24.99% of the outstanding voting shares of CKF 

Bancorp, Inc., Danville, KY.

FIRST SOUTHERN BANCORP, 

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 July 2, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 07/13/2011

07/19/2011

Priam Capital Fund I, LP, Priam Capital 

Associates, LLC, and Howard Feinglass, all of 

Wilmington, Delaware, to acquire up to 24.9% of 

the voting shares of First Mariner Bancorp, 

Baltimore, Maryland.

FIRST MARINER BANCORP

* 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 July 2, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

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

establish an international branch office located 

in Miami, Florida.

Banco CAM, S.A.U.

Newspaper:

Federal Register:

* 3A1 07/14/2011

08/01/2011

Bankia, S.A., Valencia, Spain, to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of Caja Madrid Cibeles, 

S.A., Madrid, Spain, CM Florida Holdings, Inc., 

Coral Gables, Florida, and City National Bank of 

Florida, Miami, Florida.

BANKIA, S.A.

Newspaper:

Federal Register:

* 4c8

Not available

CenterState Banks, Inc., Davenport, Florida, to 07/30/2011

acquire 100 percent of the outstanding shares of 

Federal Trust Corporation and its subsidiary 

bank, Federal Trust Bank both of Winter Park, 

Florida, and thereby engage in operating a 

savings association, pursuant to section 

225.28(b)(4)(ii) of Regulation Y and 4(c)(8) of the 

Bank Holding Company Act.

CENTERSTATE BANKS, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

First Farmers & Merchants Bank, Columbia, 07/08/2011

Tennessee, to establish a branch located at 1536 

W. McEwen Drive, Franklin, Tennessee.

FIRST FARMERS AND 

MERCHANTS BANK

* 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 July 2, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Security State Bank, New Hampton, Iowa, to 

merge with State Bank & Trust Company, 

Waverly, Iowa and as a result of the merger will 

establish 5 branches.

SECURITY STATE BANK

Newspaper:

Federal Register:

* 3A1 Not available

07/08/2011

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

Federal Bancorp, both of Webster City, Iowa, to 

become bank holding companies following the 

conversion Webster City Federal Savings Bank, 

Webster City, Iowa, from a federally chartered 

savings association to a state chartered bank.

WCF FINANCIAL, M.H.C.

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 July 2, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Centennial Bank, Conway, Arkansas, to 07/10/2011

establish a branch facility to be located at 2620 

E. Race Street, Searcy, Arkansas.

CENTENNIAL BANK

Newspaper:

Federal Register:

CIC 07/14/2011

07/19/2011

Notice by Teresa A. Grindstaff and Greg E. 

Allen, individually and as trustees of the 

William H. Cooper General Trust and the 

William H. Cooper Marital Trust, all of 

Farmington, Missouri, to gain voting control of 

First State Bancshares, Inc., Farmington, 

Missouri. Ms. Grandstaff and Mr. Allen also 

vote the shares of First State Bancshares, Inc. 

held by Cooper Investments, Inc., Farmington, 

Missouri.

FIRST STATE BANCSHARES, 

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Summit Bank, Arkadelphia, Arkansas, to 07/01/2011

establish a branch facility to be located at 201 

Skyline Drive, Suite 38, Conway, Arkansas.

SUMMIT BANK

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending July 2, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

07/19/2011

Change in Control Notice by Robert Lynn 

Nelson, Cudjoe Key, Florida, to gain control of 

Kirkwood Bancorporation Co., Bismarck, North 

Dakota and thereby indirectly gain control of 

Kirkwood Bank and Trust Company, Bismarck, 

North Dakota, and Kirkwood Bancorporation of 

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

subsidiary Kirkwood Bank of Nevada, Las 

Vegas, Nevada.

KIRKWOOD 

BANCORPORATION CO.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 July 2, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

FNB Holdco, Inc., to become a bank holding 

company through the acquisition of 100 percent 

of the voting shares of Flowers National Bank, 

both in Cainsville, Missouri.

FNB HOLDCO, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

The Union State Bank of Everest, Everest, 07/16/2011

Kansas, to merge with The Bank of McLouth, 

McLouth, Kansas, and incident thereto, to 

establish a branch.

UNION STATE BANK OF 

EVEREST, THE

* 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 July 2, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 07/20/2011

07/15/2011

Carlile Bancshares, Inc., Fort Worth, Texas, to 

acquire 100% of the common stock of The Bank 

at Broadmoor, Colorado Springs, Colorado.

CARLILE BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Dallas, Texas, to establish a 

branch to be located at 411 West Lafayette 

Boulevard, Detroit, Michigan.

COMERICA BANK

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8 07/28/2011

Strategic Growth Banking. LLC, El Paso, Texas, 

and Strategic Growth Banking Partners, LLC, 

both of El Paso, Texas, to become bank holding 

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

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

Incorporated, Las Cruces, New Mexico, and 

thus indirectly acquire control of Bank of the 

Rio Grande, National Association, Las Cruces, 

New Mexico, and to retain control of, pursuant 

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

Bank, El Paso, Texas.

STRATEGIC GROWTH 

BANKING, LLC

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending July 2, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Bank of Taiwan, Taipei, Taiwan, to upgrade its 

New York Agency to a branch office pursuant 

to section 211.24(a)(2)(ii)(a) of Regulation K and 

seciton 7(d) of FBSEA.

BANK OF TAIWAN

Newspaper:

Federal Register:

CIC Not available

06/21/2011

Interagency Noticce of Change in Control by 

Castle Creek Capital Partners IV, LP, Castle 

Creek Advisors IV, LLC, Castle Creek Capital IV, 

LLC, John T. Pietrzak, Pietrzak Advisory Corp., 

John M. Eggemeyer, JME Advisory Corp., 

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

Merlo, Legions IV Advisory Corp., Joseph 

Mikesell Thomas, and Mikesell Advisory Corp., 

all of Rancho Santa Fe, California, to acquire up 

to 24.9% of the voting shares of Intermountain 

Community Bancorp, a bank holding company 

that is the sole shareholder of Panhandle State 

Bank, a state non-member bank, both of 

Sandpoint, Idaho.

INTERMOUNTAIN 

COMMUNITY BANCORP

Newspaper:

Federal Register:

CIC Not available

07/05/2011

Interagency Noticce of Change in Control by 

Stadium Capital Partners, L.P., Stadium Capital 

Qualified Partners, L.P., Stadium Capital 

Management LLC, and John Welborn, all of 

Bend, Oregon, to acquire up to 24.9 percent of 

Intermountain Community Bancorp, and thereby 

indirectly Panhandle State Bank, both of 

Sandpoint, Idaho.

INTERMOUNTAIN 

COMMUNITY 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