Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 38 

Week Ending September 22, 2012

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

Capital Community Bancorporation, Inc., Provo, Utah -- written agreement dated 

September 10, 2009, terminated September 13, 2012.

- Announced, September 20, 2012

Coconut Grove Bank, Miami, Florida -- written agreement dated March 17, 2010, 

terminated September 12, 2012.

- Announced, September 20, 2012

First Financial Holding Co., Ltd., Taipei, Taiwan; First Commercial Bank, Ltd.; and 

First Commercial Bank Los Angeles Branch, Los Angeles, California -- written 

agreement dated March 28, 2011, terminated September 11, 2012.

- Announced, September 18, 2012

H.2 Board Actions September 16, 2012 to September 22, 2012

(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

September 16, 2012 to September 22, 2012

MA Monetary Affairs

Bank Branches, Domestic

Community Trust Bank, Choudrant, Louisiana -- to establish a branch at 1912 Main 

Street, Madison, Mississippi.

Dallas

- Approved, September 19, 2012

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a 

limited-service branch at 280 Congress Street, Boston, Massachusetts.

New York

- Approved, September 21, 2012

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a 

limited-service branch at 72A Taunton Street, Plainville, Massachusetts.

New York

- Approved, September 21, 2012

Bank Holding Companies

FNB Bancorp, South San Francisco, California -- waiver of application to acquire 

Oceanic Bank, San Francisco, in connection with the merger of Oceanic into FNB's 

subsidiary bank, First National Bank of Northern California, South San Francisco.

San Francisco

- Granted, September 18, 2012

Frandsen Financial Corporation, Arden Hills, Minnesota -- to acquire Clinton State 

Bank, Clinton.

Minneapolis

- Approved, September 20, 2012

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

HaleCo Bancshares, Inc., Plainview, Texas -- to acquire LubCo Bancshares, Inc., 

Slaton, and thereby acquire LubCo's subsidiary bank, Citizens Bank.

Dallas

- Approved, September 19, 2012

Tri-County Financial Corporation, Wellington, Kansas -- to become a bank holding 

company by acquiring The Bank of Commerce and Trust Company, Wellington.

Kansas City

- Approved, September 20, 2012

Bank Mergers

First Virginia Community Bank, Fairfax, Virginia -- to merge with 

1st Commonwealth Bank of Virginia, Arlington.

Richmond

- Approved, September 17, 2012

Change in Bank Control

American Founders Bancorp, Inc., Lexington, Kentucky -- change in bank control of 

American Founders and its subsidiary bank, American Founders Bank, Inc., 

Lexington.

St. Louis

- Withdrawn, September 18, 2012

BNCCORP, Inc., Bismarck, North Dakota -- change in bank control of BNCCORP 

and its subsidiary bank, BNC National Bank, Glendale, Arizona.

Minneapolis

- Permitted, September 18, 2012

H.2 Actions under delegated authority September 16, 2012 to September 22, 2012

(A/C) = Addition or Correction Delegated - 2 of 4
Change in Bank Control

Cheyenne Banking Corporation, Cheyenne, Oklahoma -- change in bank control of 

Cheyenne Banking and its subsidiary bank, Security State Bank, Cheyenne.

Kansas City

- Withdrawn, September 19, 2012

Hampden Bancorp, Inc., Springfield, Massachusetts -- to retain control of Hampden 

Bancorp and its subsidiary bank, Hampden Bank, Springfield.

Boston

- Withdrawn, September 18, 2012

New Peoples Bankshares, Inc., Honaker, Virginia -- change in bank control of New 

Peoples and its subsidiary bank, New Peoples Bank, Inc., Honaker (two notices).

Richmond

- Permitted, September 17, 2012

Extensions of Time

The Goldman Sachs Group, Inc., New York, New York -- one-year extension of time 

to divest or conform certain impermissible nonbanking activities and investments.

Director, BS&R

- Granted, September 19, 2012

Morgan Stanley, New York, New York -- one-year extension of time to divest or 

conform certain impermissible nonbanking activities and investments.

Director, BS&R

- Granted, September 19, 2012

H.2 Actions under delegated authority September 16, 2012 to September 22, 2012

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

TGR Financial, Inc., Naples, Florida -- extension to October, 25, 2012, to become a 

bank holding company by acquiring First National Bank of the Gulf Coast, Naples.

Atlanta

- Granted, September 20, 2012

Membership

Easthampton Savings Bank, Easthampton, Massachusetts -- to become a member of 

the Federal Reserve System.

Boston

- Approved, September 19, 2012

Savings and Loan Holding Companies

ASB Financial Corporation, Portsmouth, Ohio -- waiver of application to acquire 

Cottage Savings Bank, Cincinnati, in connection with the merger of Cottage Savings 

with and into ASB's subsidiary thrift, American Savings Bank, FSB, Portsmouth.

Cleveland

- Granted, September 21, 2012

H.2 Actions under delegated authority September 16, 2012 to September 22, 2012

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

Federal Reserve Bank of Boston

Filings received during the week ending September 22, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Application by East Cambridge Savings Bank, 

Cambridge, Massachusetts, to become a 

member of the Federal Reserve System pursuant 

to section 9 of the Federal Reserve Act and 

section 208.3 of Regulation H.

EAST CAMBRIDGE SAVINGS 

BANK

* 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

 772008 SOUTH SHORE SVGS BK, SOUTH WEYMOUTH, MASSACHUSETTS 04/09/2012 08/26/2012 S Large Bank

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 September 22, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 09/13/2012

09/17/2012

The Adirondack Trust Company Employee 

Stock Ownership Trust, Saratoga Springs, New 

York, to acquire fifty additional shares of 473 

Broadway Holding Corporation and acquire 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:

Investment Not applicable

Not applicable

Citibank, N.A., Sioux Falls, South Dakota, 

pursuant to Section 211.9(f) of Regulation K, to 

make an investment in Citibank Zambia Limited, 

Lusaka, Zambia.

CITIBANK, N.A.

Newspaper:

Federal Register:

* 3A1 Not available

09/26/2012

RSB Bancorp, MHC and RSB Bancorp, Inc., 

both of Roselle, New Jersey, to become bank 

holding companies by acquiring 100 percent of 

Roselle Savings Bank, Roselle, New Jersey.

RSB BANCORP, MHC

Newspaper:

Federal Register:

FBSEA

Not applicable

Wing Lung Bank Limited, Hong Kong, to 09/27/2012

establish a federal branch in San Francisco, 

California and to upgrade its Los Angeles 

federal limited branch to a full service branch, 

pursuant to Section 7(d) of the International 

Banking Act.

WING LUNG BANK LIMITED

* 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

 176101 ORANGE CTY TC, MIDDLETOWN, NEW YORK 04/03/2012 09/04/2012 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 September 22, 2012

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending September 22, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/30/2012

Notice by James Richard Smail and J.R. Smail, 

Inc., both of Wooster, Ohio, to acquire 10% or 

more of the shares and thereby control National 

Bancshares Corporation, Orrville, Ohio

NATIONAL BANCSHARES 

CORPORATION

* 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

 614313 STATE B&TC, DEFIANCE, OHIO 06/04/2012 08/31/2012 S Large 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 September 22, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC

Not available

Richard Geno Preservati, Captiva, Florida, 10/22/2012

individually to control up to 19.61% of the 

outstanding voting shares of New Peoples 

Bankshares, Inc., Honaker, Virginia. 

Additionally, Richard Geno Preservati and 

Nancy Karen Preservati, Captiva, Florida, as a 

group acting in concert to control up to 19.61% 

of the outstanding voting shares of New 

Peoples Bankshares, Inc., Honaker, Virginia.

NEW PEOPLES BANKSHARES, 

INC.

Newspaper:

Federal Register:

* 3A5

4c8

10/20/2012

10/19/2012

SCBT Financial Corporation, Columbia, South 

Carolina, to acquire 100% of the voting 

securities of The Savannah Bancorp, Inc., 

Savannah, Georgia, and thereby indirectly 

acquire The Savannah Bank, NA, Savannah, 

Georgia, and Bryan Bank & Trust, Richmond 

Hill, Georgia, and engage in financial and 

investment advisory activities.

SCBT FINANCIAL 

CORPORATION

* 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

 697978 COMMUNITY BK OF TRI-CTY, WALDORF, MARYLAND 06/11/2012 09/13/2012 S Large Bank

 969424 HIGHLANDS UNION BK, ABINGDON, VIRGINIA 05/14/2012 09/04/2012 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 September 22, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 10/18/2012

10/12/2012

EdBancorp, Inc. and its parent company, 

Educational Services of America, Inc., both of 

Knoxville, Tennessee, to merge with SouthEast 

Bancshares, Inc., and its subsidiary, SouthEast 

Bank & Trust, both of Athens, Tennessee.

EDBANCORP, INC.

* 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

 876634 CAPITAL CITY BK, TALLAHASSEE, FLORIDA 03/12/2012 09/20/2012 S Large Bank

 648130 COCONUT GROVE BK, MIAMI, FLORIDA 05/21/2012 09/11/2012 S 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 September 22, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Chemical Bank, Midland, Michigan, to purchase 

the assets and assume the liabilities of 21 

branches of Independent Bank, Ionia, Michigan, 

and thereby establish 21 branches.

CHEMICAL BANK

Newspaper:

Federal Register:

CIC Not available

10/02/2012

Notice by the Garst Family (Elizabeth Garst, 

Edward Garst and Rachel Garst of Coon Rapids, 

Iowa; Jennifer Garst, Ames, Iowa; Kate Garst 

Revocable Trust, Des Moines, Iowa, Kate Garst 

Trustee; Sarah Garst, West Des Moines, Iowa), 

as a group acting in concert and individually by 

Elizabeth Garst, Sarah Garst, and Sally Garst 

Haerr, Fairfield, Iowa, for approval to increase 

control to more than 25 percent of Perry 

Investment Company, Perry, Iowa, and thereby 

indirectly control Raccoon Valley Bank, Perry, 

Iowa.

PERRY INVESTMENT COMPANY

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Town and Country Bank, Springfield, Illinois, to 

purchase 100 percent of the assets and assume 

liabilities of Logan County Bank, Lincoln, 

Illinois.

TOWN AND COUNTRY BANK

Newspaper:

Federal Register:

* MHC Not available

Conversion

* SLHC 

Formation

10/22/2012

United Community MHC, a mutual holding 

company, proposes to convert to stock form 

and merge with United Community Bancorp, an 

existing savings and loan holding company. 

The existing United Community Bancorp will 

merge with a new company, also called United 

Community Bancorp, which will become a 

savings and loan holding company through the 

acquisition of 100 percent of the outstanding 

stock of United Community Bank, a federal 

savings bank, all of Lawrenceburg, Indiana.

UNITED COMMUNITY 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

 3029589 CEDAR RAPIDS B&TC, CEDAR RAPIDS, IOWA 05/07/2012 09/10/2012 S Int Sm Bank

 222147 CITIZENS BK, FLINT, MICHIGAN 11/01/2010 09/04/2012 S Large Bank

 653648 FIRST AMER BK, FORT DODGE, IOWA 01/30/2012 09/04/2012 S Large Bank

 832470 INDIANA B&TC, COLUMBUS, INDIANA 10/24/2011 09/15/2012 S Large Bank

 184142 LAPEER CTY B&TC, LAPEER, MICHIGAN 05/21/2012 09/12/2012 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 September 22, 2012

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

 524757 FARMERS BK, PARSONS, TENNESSEE 06/11/2012 09/06/2012 S Small Bank

 34555 MACON-ATLANTA ST BK, MACON, MISSOURI 05/21/2012 08/31/2012 S Small Bank

 2939391 PEOPLES BK, SHERIDAN, ARKANSAS 06/18/2012 09/19/2012 S Small Bank

 3395293 TRIUMPH BK, MEMPHIS, TENNESSEE 06/04/2012 09/17/2012 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 September 22, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/24/2012

Retroactive change in control notice by Brian 

Darold Petersen, Livingston, Montana, to retain 

25% or more of the shares of Lakeside Bank 

Holding Company, New Town, North Dakota, 

and thereby indirectly retain control of Lakeside 

State Bank, New Town, North Dakota, and 

McKenzie County Bank, Watford City, North 

Dakota.

LAKESIDE BANK HOLDING 

COMPANY

* 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

 993353 BANK OF GLEN ULLIN, GLEN ULLIN, NORTH DAKOTA 05/07/2012 09/12/2012 S Small Bank

 456157 PEOPLES BK WI, HAYWARD, WISCONSIN 05/14/2012 09/07/2012 O Small Bank

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 September 22, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3

* 18C

* Branch

10/22/2012

Northern Missouri Bancshares, Inc., Unionville, 

Missouri, to acquire indirectly, and Exchange 

Bancorp of Missouri, to acquire, through its 

newly formed subsidiary, Slater Acquisition 

Corp., both of Fayette, Missouri; Slater 

Bancshares, Inc., parent of State Bank of Slater, 

both in Slater, Missouri. Immediately thereafter, 

Slater Acquisition Corp. will merger into Slater 

Bancshares, Inc. Exchange Bank of Missouri, 

Fayette, Missouri, to merge with State Bank of 

Slater, Slater, Missouri, and incident thereto, to 

establish a branch.

EXCHANGE BANCORP OF 

MISSOURI, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

First Missouri Bank, Brookfield, Missouri, to 10/05/2012

merge with Citizens Bank of Blythedale, 

Blythedale, Missouri, and incident thereto, to 

establish 3 branches in Blythedale, Eagleville, 

and Ridgeway, Missouri.

FIRST MISSOURI BANK

Newspaper:

Federal Register:

CIC 10/05/2012

10/11/2012

Notice by W.M. Ferguson Testamentary Trust, 

and Martin J. Peck, individually and as trustee, 

to acquire control of SSB Holdings, Inc., parent 

of Security State Bank, all of Wellington, 

Kansas.

SSB HOLDINGS, INC.

Newspaper:

Federal Register:

CIC 09/18/2012

09/20/2012

Notice by Timothy C. Kohart, Syracuse, 

Kansas, individually, including as co-trustee of 

the Valley Bancorp, Inc. ESOP, and together 

with his spouse, Marilyn S. Kohart, Syracuse, 

Kansas, acting as a group in concert, to retain 

control of Valley Bancorp, Inc., parent of Valley 

State Bank, both in Syracuse, Kansas.

VALLEY BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

10/05/2012

Weed Investment Group, Inc., Cheyenne Wells, 

Colorado, to acquire 100 percent of the voting 

shares of Kit Carson Insurance Agency, Inc., 

Kit Carson, Colorado, parent of The Kit Carson 

State Bank, Kit Carson, Colorado.

WEED INVESTMENT GROUP, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

4c8 10/15/2012

Yorktown Financial Holdings, Inc., Tulsa, 

Oklahoma, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of CNBO Bancorp, Inc., parent of 

Century Bank of Oklahoma, both in Pryor, 

Oklahoma. Yorktown Financial Holdings, Tulsa, 

Oklahoma, to engage indirectly in mortgage 

lending activities, through the acquisition of 100 

percent of CNBO Bancorp, Inc., parent of 

Century Bank of Oklahoma, both in Pryor, 

Oklahoma, which owns a 51 percent interest in 

Century Home Mortgage of Oklahoma, LLC, 

Tulsa, Oklahoma, which owns a 32.67 percent 

interest in Oklahoma Mortgage Lenders, a series 

of The Lending Partners, Ltd., Plano, Texas.

YORKTOWN FINANCIAL 

HOLDINGS, 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

 921655 COTTONWOOD VALLEY BK, CEDAR POINT, KANSAS 06/18/2012 09/14/2012 S Small Bank

 662350 WAHOO ST BK, WAHOO, NEBRASKA 05/21/2012 08/29/2012 S Small Bank

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 September 22, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

10/19/2012

Henderson Citizens Bancshares, Inc., 

Henderson, Texas, to acquire by merger 100 

percent of First White Oak Bancshares, Inc., 

White Oak, Texas, and indirectly acquire White 

Oak State Bank, White Oak, Texas.

HENDERSON CITIZENS 

BANCSHARES, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 423458 SOUTHWEST BK, FORT WORTH, TEXAS 03/19/2012 09/28/2012 S Large Bank

 468954 TRADITION BK, HOUSTON, TEXAS 04/16/2012 09/24/2012 S Int Sm Bank

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 September 22, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

Not applicable

Green Dot Bank, Provo, Utah, to acquire certain 09/11/2012

assets and assume certain liabilities of Synovus 

Bank, Columbus, Georgia.

GREEN DOT BANK DBA 

BONNEVILLE BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Pacific Premier Bank, Costa Mesa, California, to 10/03/2012

open a branch office at 12901 Von Karman, 2nd 

Floor, Irvine, California.

PACIFIC PREMIER BANK

Newspaper:

Federal Register:

* 3A5

4c8

09/21/2012

09/21/2012

Western Alliance Bancorporation, Phoenix, 

Arizona, to merge with Western Liberty 

Bancorp, and thereby indirectly acquire its 

subsidiary bank, Service1st Bank of Nevada, 

both of Las Vegas, Nevada; and 2) Western 

Alliance Bancorporation, Phoenix, Arizona, to 

acquire Las Vegas Sunset Properties, Las 

Vegas, Nevada, and thereby engage in 

extending credit and servicing loans, pursuant 

to section 225.28 (b)(1) of Regulation Y.

WESTERN ALLIANCE 

BANCORPORATION

* 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