Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 47 

Week Ending November 19, 2011

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

Forms -- final Board review to implement the Capital Assessments and Stress Testing 

(FR Y-14A and Y-14Q).

- Approved, November 16, 2011

Regulations and Policies

Regulation Y (Bank Holding Companies and Change in Bank Control) -- final rule to 

require large bank holding companies to submit capital plans to the Federal Reserve 

annually and to obtain approval, in certain circumstances, before making capital 

distributions.

- Approved, November 17, 2011

Supervisory and Enforcement Responsibilities for Federal Consumer Financial Laws 

-- interagency statement on how the total assets of an insured bank, thrift, or credit 

union will be measured for purposes of determining supervisory and enforcement 

responsibilities under the Dodd-Frank Act.

- Announced, November 17, 2011

Enforcement

Security Bank, Tulsa, Oklahoma -- issuance of a consent order of prohibition and 

assessment of civil money penalty against Bryan T. Posey, a former president and 

director of the bank.

- Announced, November 16, 2011

H.2 Board Actions November 13, 2011 to November 19, 2011

(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

OSD Office of Staff Director

November 13, 2011 to November 19, 2011

Bank Branches, Domestic

Centennial Bank. Conway, Arkansas -- to establish a branch at 1715 East Harding 

Street, Morrilton.

St. Louis

- Approved, November 16, 2011

Ohio Valley Financial Group, Inc., Henderson, Kentucky -- to establish a branch at 

1020 North Burkhardt Road, Evansville, Indiana.

St. Louis

- Approved, November 17, 2011

Bank Holding Companies

First BanCorp, San Juan, Puerto Rico -- request for an exemption under the 

Depository Institution Management Interlocks Act and Regulation L.

General Counsel

- Granted, November 17, 2011

MutualFirst Financial, Inc., Muncie, Indiana -- to become a bank holding company 

and to acquire MutualBank, Muncie.

Chicago

- Approved, November 14, 2011

SHB Bancorp, Inc., Jonesville, Louisiana -- to become a bank holding company and 

to acquire Southern Heritage Bank, Jonesville.

Dallas

- Approved, November 14, 2011

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

First Midwest Bank, Itasca, Illinois -- to acquire certain assets and assume certain 

liabilities of four branches of Old National Bank, Evansville, Indiana, and thereby 

establish a branch at 2320 S. Route 59, Plainfield, Illinois.

Chicago

- Approved, November 17, 2011

USAmeribank, Clearwater, Florida -- to merge with Aliant Bank, Alexander City, 

Alabama.

Atlanta

- Approved, November 18, 2011

Change in Bank Control

First National Fairbury Corporation. Fairbury, Nebraska -- change in bank control of 

First National and its subsidiary bank, The First National Bank of Fairbury, Fairbury.

Kansas City

- Permitted, November 14, 2011

New Millennium Bankshares, Inc., Topeka, Kansas -- change in bank control of New 

Millennium and its subsidiary bank, Alliance Bank, Topeka.

Kansas City

- Permitted, November 14, 2011

Extensions of Time

American Express Company, New York, New York, and American Express Travel 

Related Services Company, Inc. -- one-year extension of time to divest or conform 

certain impermissible nonbanking activities and investments.

Director, BS&R

- Granted, November 14, 2011

H.2 Actions under delegated authority November 13, 2011 to November 19, 2011

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

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

to March 3, 2012, to increase its ownership of Cabool Bancshares, Inc., Cabool, and 

thereby increase its indirect control of Cabool State Bank.

St. Louis

- Granted, November 17, 2011

Membership

The First National Bank of Texhoma, Texhoma, Oklahoma -- to retain membership 

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

Bank.

Kansas City

- Approved, November 17, 2011

H.2 Actions under delegated authority November 13, 2011 to November 19, 2011

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

Federal Reserve Bank of Boston

Filings received during the week ending November 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 November 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 November 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

12/02/2011

Messrs. W. Kirk Wycoff, Philadelphia, PA, Ira 

M. Lubert, Philadelphia, PA, and James J. 

Lynch, Philadelphia, PA, collectively to acquire 

up to 18% of Continental Bank Holdings, Inc., 

Plymouth Meeting, PA.

Continental Bank

Newspaper:

Federal Register:

CIC Not available

12/02/2011

Arthur J. Kania, St. Davids, PA, to acquire up to 

23% of Franklin Security Bancorp, Inc., Wilkes 

Barre, PA.

FRANKLIN SECURITY 

BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

09/21/2011

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., 

Patriot Financial Manager, LLC. and Messrs. Ira 

M. Lubert, W. Kirk Wycoff and James J. Lynch, 

all of Philadelphia, Pennsylvania, to purchase 

up to 24.9 percent of Porter Bancorp, Inc., 

Louisville, KY.

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 November 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Prior Notice by PNC Bank International, 

Pittsburgh, Pennsylvania, to make an additional 

investment of approximately $337 million in PNC 

Luxembourg which in turn will contribute 

approximately $41 million to PNC UK and loan 

approximately $296 million to PNC UK, pursuant 

to Section 211.9(f) of Regulation K.

PNC BANK INTERNATIONAL

Newspaper:

Federal Register:

CIC

Not available

Notice of Change in Bank Control submitted by 12/12/2011

David J. Bursic and Valerie L. Brusic, Pittsburgh, 

PA of their intent to retain/acquire in excess of 

10% of the outstanding voting shares of WVS 

Financial Corp., Pittsburgh, PA.

WVS FINANCIAL CORP.

* 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 November 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

S. Christopher Williford, Wilson, North 

Carolina, to control up to 24.69% of the voting 

shares of CB Financial Corporation, Wilson, 

North Carolina.

CB FINANCIAL CORPORATION

Newspaper:

Federal Register:

* 3A1 11/28/2011

11/01/2011

Security Federal Corporation, Aiken, South 

Carolina, to become a bank holding company 

upon the conversion of Security Federal Bank, 

Aiken, South Carolina, from a federal stock 

savings bank to a state chartered commercial 

bank.

SECURITY FEDERAL 

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

 2712978 ALLIANCE BK CORP, FAIRFAX, VIRGINIA 08/01/2011 11/02/2011 S Int Sm Bank

 858528 BANK OF MARION, MARION, VIRGINIA 07/11/2011 11/03/2011 S Large Bank

 3101775 PEOPLES BK OF VA, RICHMOND, VIRGINIA 07/18/2011 10/18/2011 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 November 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

Not available

HCBF Holding Company, Inc., Palm City, Forida, 12/02/2011

to become a bank holding company by 

acquiring 100 percent of the outstanding shares 

of Grand Bankshares, Inc., and its subsidiary, 

Grand Bank and Trust of Florida, both of West 

Palm Beach, Florida.

HCBF HOLDING COMPANY, 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

 655839 CCB CMNTY BK, ANDALUSIA, ALABAMA 07/25/2011 11/13/2011 S Int Sm Bank

 581237 FIRST NAVY BK, PENSACOLA, FLORIDA 07/18/2011 10/31/2011 NI Small 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 November 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

 269049 AMES CMNTY BK, AMES, IOWA 05/09/2011 10/03/2011 S Int Sm Bank

 2044820 COMMUNITY BK ELMHURST, ELMHURST, ILLINOIS 06/13/2011 10/13/2011 S Small Bank

 475345 HURON CMNTY BK, EAST TAWAS, MICHIGAN 07/05/2011 10/27/2011 S Small Bank

 849647 IOWA ST SVG BK, KNOXVILLE, IOWA 06/20/2011 10/28/2011 S Small Bank

 306739 STATE BK OF BLUE MOUND, BLUE MOUND, ILLINOIS 06/06/2011 10/10/2011 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 November 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

12/07/2011

Samuel T. Sicard, individually and as trustee of 

the Samuel M. Sicard Living Trust, to retain 

ownership of 11.80% of the voting shares of 

First Bank Corp., Fort Smith, Arkansas. Samuel 

T. Sicard became trustee and acquired voting 

control of the trust's shares upon the death of 

his father, Samuel M. Sicard.

FIRST BANK CORP

* 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 November 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 11/21/2011

11/21/2011

Change in control notice by James E. Gaarder, 

Ossining, New York, to retain 25% or more of 

the shares of Citizens State Bancshares, Inc., 

Lankin, North Dakota, and thereby indirectly 

retain control of Citizens State Bank of Lankin, 

Lankin, North Dakota.

CITIZENS STATE 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control Notice by Danita ("Kita") 

Louise McVay, Minneapolis, Minnesota, as 

executor of the M.D. McVay Estate, and Trustee 

of the Mary M. McVay Family Trust, the 

Elizabeth McVay Greene Irrevocable Trust, and 

the Marianna Marcelle Greene Irrevocable 

Trust, to retain 25% or more of the shares of 

Minnwest Corporation, Minnetonka, 

Minnesota. Jenny Lynn Verner, Victoria, 

Minnesota, Zachary Miller Zacek, Chicago, 

Illinois, Elizabeth McVay Greene, Brooklyn, New 

York, and Marianna Marcelle Greene, 

Minneapolis, Minnesota, to join the McVay 

Family Group, which controls 25% or more of 

the shares of Minnwest Corporation, 

Minnetonka, Minnesota, and thereby indirectly 

retain control of Minnwest Bank, M.V., 

Redwood Falls, Minnesota, Minnwest Bank 

South, Tracy, Minnesota, Minnwest Bank 

Luverne, Luverne, Minnesota, Minnwest Bank 

Central, Montevideo, Minnesota, Minnwest 

Bank Metro, Eagan, Minnesota, and Minnwest 

Bank Sioux Falls, Sioux Falls, South Dakota.

MINNWEST CORPORATION

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 450959 SECURITY FNCL BK, DURAND, WISCONSIN 07/11/2011 11/03/2011 S Int Sm 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 November 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 11/21/2011

11/21/2011

Bluechip Bancshares, LLC, Oklahoma City, 

Oklahoma, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of Elmore City Bancshares, Inc., 

Elmore City, Oklahoma, parent of First State 

Bank, Elmore City, Oklahoma.

BLUECHIP BANCSHARES, LLC

Newspaper:

Federal Register:

* 3A3 10/08/2011

10/11/2011

Bon, Inc.; Goering Financial Holding Company 

Partnership, L.P.; and Goering Management 

Company, L.L.C., all of Moundridge, Kansas, to 

acquire 100 percent of the voting shares of 

Home State Bancshares, Inc., McPherson, 

Kansas, parent of Home State Bank & Trust Co., 

McPherson, Kansas.

BON, INC.

Newspaper:

Federal Register:

* 3A3 12/16/2011

12/15/2011

Community Bancshares Employee Stock 

Ownership Plan, Neosho, Missouri, to acquire 

up to 60 percent of the voting shares of 

Community Bancshares, Inc., parent of 

Community Bank & Trust, all in Neosho, 

Missouri.

COMMUNITY BANCSHARES 

EMPLOYEE STOCK OWNERSHIP 

PLAN

Newspaper:

Federal Register:

* Branch

Not applicable

F&M Bank and Trust Company, Tulsa, 11/18/2011

Oklahoma, to establish a branch at 11970 North 

Central Expressway, Suite 210, Dallas, Texas.

F&M BANK & TRUST 

COMPANY, THE

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Oklahoma Bancshares Holdings, Inc., Norman, 

Oklahoma, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of Town & Country Bancshares, 

Inc., parent of Oklahoma State Bank, both in 

Guthrie, Oklahoma.

OKLAHOMA BANCSHARES 

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

 328450 CHICKASHA B&TC, CHICKASHA, OKLAHOMA 07/18/2011 10/27/2011 S Small Bank

 702050 FIRST ST BK, COMMERCE, OKLAHOMA 08/01/2011 11/01/2011 S Small Bank

 2380470 PREMIER BK, DENVER, COLORADO 08/01/2011 11/03/2011 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 November 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Dallas, Texas, to establish a 

branch at 5450 Jackson Drive, La Mesa, 

California, 91942.

COMERICA BANK

Newspaper:

Federal Register:

* 3A3 Not available

11/08/2011

Woodforest Financial Group Employee Stock 

Ownership Plan (with 401(k) Provisions) 

(Amended and Restated Effective March 1, 

2006) and the related Woodforest Financial 

Group Employee Stock Ownership Trust, The 

Woodlands, Texas, collectively the Applicant, 

to acquire up to 30 percent of Woodforest 

Financial Group, Inc., The Woodlands, Texas, 

and indirectly acquire Woodforest National 

Bank, Houston, Texas.

WOODFOREST FINANCIAL 

GROUP EMPLOYEE STOCK 

OWNERSHIP PLAN (WITH 

401(K) PROVISIONS) (AMENDED 

AND RESTATED EFF. 03/01/06)

* 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

 884358 FIRST ST BK, LIVINGSTON, TEXAS 09/20/2010 10/31/2011 S Small 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 November 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

AltaPacific Bank, Santa Rosa, California, to 

merge with Stellar Business Bank, Covina, 

California, and thereby acquire one branch 

office.

ALTAPACIFIC BANK

Newspaper:

Federal Register:

* 3A1 Not available

4c8 Not available

America Start-Up Financial Institutions 

Investments, I, L.P., and CKH Capital, Inc, both 

of Monterey Park, California, to become bank 

holding companies by acquiring up to 62 

percent of New Omni Bank, National 

Association, Alhambra, California, pursuant to 

section 3(a)(1) of the BHC Act, and 2)to retain 

5.9 percent interest of the voting shares of First 

PacTrust Bancorp, Inc., and thereby indirectly 

retain Pacific Trust Bank, both in Chulva Vista, 

California, and engage in operating as savings 

and loan association, pursuant to section 

225.28(b)(4)(ii) of Regulation Y.

AMERICA START-UP 

FINANCIAL INSTITUTIONS 

INVESTMENTS I, L.P.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Bay Commercial Bank, Walnut Creek, California, 

to establish a branch at 960 School Street, Napa, 

California.

BAY COMMERCIAL BANK

Newspaper:

Federal Register:

* 18C Not available

Not applicable

California Republic Bank, Newport Beach, 

California, to purchase certain assets and 

assume certain liabilities of the Westlake Village 

branch of National Bank of California, N.A., Los 

Angeles, California.

CALIFORNIA REPUBLIC BANK

Newspaper:

Federal Register:

* 3A3 Not available

12/05/2011

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management Company, LLC, Carpenter 

Community Bancfund, L.P., Carpenter 

Community BanFund -A, L.P., Carpenter 

Community BandFund - CA, L.P., SCJ, Inc., and 

CCFW, Inc., all of Irvine, California, and all 

existing controlling parties, to acquire more than 

24.9% of the voting securities of Pacific 

Mercantile Bancorp, Costa Mesa, California 

through an investment preferred and common 

shares of Pacific Mercantile Bancorp and 

thereby indirectly acquire additional voting 

shares of Pacific Mercantile Bank, Costa Mesa, 

California.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

CIC Not available

10/27/2011

Interagency Notice of Change in Control by 

Montlake Capital II, L.P, a limited partnership 

and Montlake Capital II-B, L.P., a limited 

partnership, Seattle, Washington, to acquire 

voting shares of Coastal Financial Corporation, 

and thereby indirectly acquire Coastal 

Community Bank, both of Everett, Washington; 

and 2)Coastal Financial Corporation and Coastal 

Community Bank, both of Everett, Washington 

to appoint Andrew Russell Dale as a Director.

COASTAL FINANCIAL 

CORPORATION

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

Federal Reserve Bank of San Francisco

Filings received during the week ending November 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 11/03/2011

11/10/2011

FS Bancorp, Inc.,, Mountlake Terrace, 

Washington, to become a bank holding 

company upon the conversion of 1st Security 

Bank of Washington, Mountlake Terrace, 

Washington, from a state savings bank to a 

commercial bank.

FS BANCORP, INC.

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act