Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 9 

Week Ending February 26, 2011

Board of Governors of the Federal Reserve System, Washington, DC 20551
Testimony and Statements

Monetary Policy -- statement by Chairman Bernanke before the Senate Committee 

on Banking, Housing, and Urban Affairs on March 1, and the House Committee on 

Financial Services on March 2, 2011, on the semiannual monetary policy report to 

the Congress.

- Discussed, February 24, 2011

Forms

Forms -- final Board review to extend with revision the Consolidated Financial 

Statements for Bank Holding Companies (FR Y-9C), Parent Company Only 

Financial Statements for Large Bank Holding Companies (FR Y-9LP), Financial 

Statements of U.S. Nonbank Subsidiaries of U.S. Bank Holding Companies 

(FR Y-11), Financial Statements of Foreign Subsidiaries of U.S. Banking 

Organizations (FR 2314), Financial Statements of U.S. Nonbank Subsidiaries Held 

by Foreign Banking Organizations (FR Y-7N), and Consolidated Report of Condition 

and Income for Edge and Agreement Corporations (FR 2886b).

- Approved, February 22, 2011

Forms -- initial Board review to extend without revision the disclosure requirements 

in connection with Regulation DD (Truth in Savings).

- Proposed, February 22, 2011

Monetary and Financial Policy

Monetary Policy -- semiannual monetary policy report to the Congress.

- Authorized, February 22, 2011

Personnel

Division of Monetary Affairs -- appointment of J. David Lopez-Salido as assistant 

director and Ellen Meade as senior adviser.

- Announced, February 24, 2011

H.2 Board Actions February 20, 2011 to February 26, 2011

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

Regulation Z (Truth in Lending) -- final rule and request for public comment on a 

second rule to revise the escrow account requirements for certain home mortgage 

loans in accordance with the Dodd-Frank Act.

- Approved, February 22, 2011

Enforcement

American Bancorporation of Minnesota, Inc., Baxter, Minnesota -- written agreement 

with the Federal Reserve Bank of Minneapolis.

- Announced, February 22, 2011

Eastern Virginia Bankshares, Inc., Tappahannock, Virginia, and EVB -- written 

agreement with the Federal Reserve Bank of Richmond and the State Corporation 

Commission Bureau of Financial Institutions.

- Announced, February 22, 2011

Marquette Financial Companies, Minneapolis, Minnesota -- written agreement with 

the Federal Reserve Bank of Minneapolis.

- Announced, February 22, 2011

National Bancorp, Inc., Schaumburg, Illinois -- written agreement with the Federal 

Reserve Bank of Chicago.

- Announced, February 22, 2011

H.2 Board Actions February 20, 2011 to February 26, 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

February 20, 2011 to February 26, 2011

Bank Branches, Domestic

IBERIABANK, Lafayette, Louisiana -- to establish a branch at 2555 West Holcombe 

Boulevard, Houston, Texas.

Atlanta

- Approved, February 24, 2011

Orange County Trust Company, Middletown, New York -- to establish a branch at 

1166 Main Street, Fishkill.

New York

- Approved, February 24, 2011

Bank Holding Companies

Bedison Bancshares, Inc., Platte City, Missouri -- to become a bank holding company 

and to acquire shares of The Citizens Bank of Oregon, Oregon.

Kansas City

- Approved, February 23, 2011

Central Agency, Inc., Lincoln, Nebraska -- to become a bank holding company and 

to acquire shares of Farm & Home Insurance Agency, Inc., Lyons, and its subsidiary 

bank, First National Bank Northeast.

Kansas City

- Approved, February 24, 2011

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

Wells Bancshares, Inc., Platte City, Missouri -- to acquire shares of Bedison 

Bancshares, Inc., Platte City, and its subsidiary bank, The Citizens Bank of Oregon, 

Oregon.

Kansas City

- Approved, February 23, 2011

Bank Mergers

Five Points Bank, Grand Island, Nebraska -- to purchase certain assets and assume 

certain liabilities of the LaVista branch of First State Bank, Gothenberg.

Kansas City

- Approved, February 24, 2011

Change in Bank Control

Hamilton State Bancshares, Inc., Hoschton, Georgia -- change in bank control of 

Hamilton and its subsidiary bank, Hamilton State Bank, Hoschton (two notices).

Atlanta

- Permitted, February 25, 2011

Norcon Financial Corp., Conway Springs, Kansas -- to retain control of Norcon and 

its subsidiary bank, Conway Bank, National Association, Conway Springs.

Kansas City

- Permitted, February 22, 2011

Financial Holding Companies 

Central Agency, Inc., Lincoln, Nebraska -- election to become a financial holding 

company.

Kansas City

- Effective, February 24, 2011

H.2 Actions under delegated authority February 20, 2011 to February 26, 2011

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

Freedom Financial Bank, West Des Moines, Iowa -- to become a member of the 

Federal Reserve System.

Chicago

- Approved, February 25, 2011

H.2 Actions under delegated authority February 20, 2011 to February 26, 2011

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

Federal Reserve Bank of Boston

Filings received during the week ending February 26, 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 February 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banca Popolare di Vicenza S.C.p.A, Vicenza, 

Italy, to establish a representative office in New 

York, New York, pursuant to Section 211.24(a)

(1) of Regulation K.

BANCA POPOLARE VICENZA 

SCPAARL

* 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 February 26, 2011

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 February 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 5

Federal Reserve Bank of Richmond

Filings received during the week ending February 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/18/2011

Notice by Mr. Mehrdad Elie of Redwood City, 

California, to individually acquire up to 32%, 

and as a group acting in concert with Mr. 

Mesfin Ayenew, Potomac, Maryland; Mr. David 

P. Como, Napa, California; Mr. Charles 

Turnbaugh, Baltimore, Maryland; Mr. Robert L. 

Gossard, Burlinggame, California; and Mr. 

Terrance M. Davis, Dillon Beach, California, to 

acquire in aggregate up to 41% of the voting 

securities of HarVest BanCorp, Inc., 

Gaithersburg, Maryland, and indirectly acquire 

shares of HarVest Bank of Maryland, Rockville, 

Maryland.

HARVEST BANCORP, INC.

* 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 February 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/17/2011

After-the-fact change in control notice filed by 

William Russell Carothers II, Robert Leroy 

Carothers, Christian Hill Carothers, all of 

Winfield, Alabama, and William R. Carothers, 

III, Birmingham, Alabama, to retain 86 percent of 

the outstanding voting shares of Citizens 

Bancorp of Winfield, Inc., and its subsidiary, 

Citizens Bank of Winfield, both of Winfield, 

Alabama.

CITIZENS BANCORP OF 

WINFIELD, INC.

Newspaper:

Federal Register:

CIC 03/20/2011

03/17/2011

Prior change in control notice filed by Charles E. 

Gleghorn, Fayetteville, Tennessee, Hue G. 

Counts, Fayetteville, Tennessee, Hardy B. 

Ferrell, Mulberry, Tennessee, Roger Everett 

Jones, New Market, Alabama, and Joe Lee 

Lasater, Hazel Green, Alabama, to collectively 

acquire up to 66.10 percent of the outstanding 

shares of North Alabama Bancshares, Inc. and 

its subsidiary, North Alabama Bank, both of 

Hazel Green, Alabama.

NORTH ALABAMA 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 03/10/2011

03/17/2011

Prior change in control filed by P. Byron 

DeFoor, Ooltewah, Tennessee, and Winston A. 

Porter, Atlanta, Georgia, to collectively acquire 

up to 85.06 percent of the outstanding shares 

of Northside Bancshares, Inc., and its 

subsidiary, Northside Bank, both of Adairsville, 

Georgia.

NORTHSIDE BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 02/27/2011

02/28/2011

Peoples Bancshares, Inc., to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of People Bank, both of 

Mendenhall, Mississippi.

PEOPLES BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 03/17/2011

03/17/2011

After-the-fact change in control notice filed by 

Michael Hull Erdman, Merritt Island, Florida, to 

retain 20.33 percent of the outstanding shares of 

common stock of Sunrise Bank, Cocoa Beach, 

Florida.

SUNRISE 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 February 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1

4c8

* 4c8

4c8

03/22/2011

Bank of Montreal, Montreal, Canada, Harris 

Financial Corp., Wilmington, Delaware, Harris 

Bankcorp, Inc., Chicago, Illinois, to acquire 100 

percent of the voting shares of Marshall and 

Ilsley Corporation, Milwaukee, Wisconsin, and 

thereby indirectly acquire M&I Marshall & 

Ilsley Bank, Milwaukee, Wisconsin, M&I Bank 

of Mayville, Mayville, Wisconsin, and M&I 

Bank, FSB, Las Vegas, Nevada, and their 

nonbank subsidiaries, and the related 

application by Mike Merger Sub, LLC, Chicago, 

Illinois, to become a bank holding company by 

acquiring 100 percent of the voting shares of 

Marshall and Ilsley Corporation, Milwaukee, 

Wisconsin, and thereby indirectly acquire M&I 

Marshall & Ilsley Bank, Milwaukee, Wisconsin, 

M&I Bank of Mayville, Mayville, Wisconsin, 

and M&I Bank, FSB, Las Vegas, Nevada, and 

their nonbank subsidiaries.

BANK OF MONTREAL

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Ralph C. Stayer and Shelly A. Stayer, 

Naples, Florida, and the RFS 2010 Irrevocable 

Trust F/B/O Ralph C. Stayer, to acquire 10 

percent or more of the voting shares of 

Hometown Bancorp, Ltd., Fond du Lac, 

Wisconsin, and thereby indirectly acquire 

control of Hometown Bank, Fond du Lac, 

Wisconsin.

HOMETOWN BANCORP, LTD.

Newspaper:

Federal Register:

4c8 Not applicable

03/16/2011

M.S.B. Corporation, Central City, Iowa, to 

engage denovo through a wholly-owned 

subsidiary, BORE Properties, Inc., in the 

permissible nonbanking activity of extending 

credit and servicing loans.

M.S.B. CORPORATION

* 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 February 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Triumph Bank, Memphis, Tennessee, to 

purchase certain assets and assume certain 

liabilities of the Arlington Community Bank, 

Arlington, Tennessee branch office of The 

Farmers Bank of Lynchburg, Lynchburg, 

Tennessee, and to retain the acquired facility as 

a branch office.

TRIUMPH 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 February 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/15/2011

Change in Control Notice by Robert Karl Kamp, 

Manhattan, Montana, to retain control of 

Inter-Mountain Bancorp, Inc., Bozeman, 

Montana and thereby indirectly retain control of 

First Security Bank, Bozeman, Montana.

INTER-MOUNTAIN BANCORP., 

INC.

Newspaper:

Federal Register:

CIC Not available

03/15/2011

Notice by Cara Mulder, Prinsburg, Minnesota, 

to join a group acting in concert with Myron 

Mulder, Prinsburg, Minnesota, to acquire and 

retain control of PSB Financial Shares, Inc., 

Prinsburg, Minnesota, and thereby indirectly 

acquire and retain control of Prinsbank, 

Prinsburg, Minnesota.

PSB FINANCIAL SHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

03/24/2011

Western State Agency, Inc., Employee Stock 

Ownership Plan and Trust, Devils Lake, North 

Dakota, to become a bank holding company by 

acquiring over 25 percent of Western State 

Agency, Devils Lake, North Dakota and thereby 

indirectly acquire Western State Bank, Devils 

Lake, North Dakota.

Western State Agency, Inc., 

Employee Stock Ownership Plan 

and Trust

* 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 February 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notification by Randal S. and Melissa J. 

Shannon, both of Drexel, Missouri, individually 

and as a part of the Shannon Family Group; and 

Angela Blume, Louisburg, Kansas, as a part of 

the Shannon Family Group, to acquire control of 

Amsterdam Bancshares, Inc., Amsterdam, 

Missouri, parent of Citizens Bank, Amsterdam, 

Missouri.

AMSTERDAM BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

* 18C

* Branch

03/25/2011

Citizens National Corporation, Wisner, 

Nebraska to acquire 100 percent of the voting 

shares of First National Bank of Friend, Friend, 

Nebraska. Citizens State Bank, Wisner, 

Nebraska, to merge with First National Bank of 

Friend, Friend, Nebraska, and incident thereto, 

to establish a branch.

CITIZENS NATIONAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

03/15/2011

Notification by The Eyak Corporation, 

Anchorage, Alaska, to acquire control of Native 

American Bancorporation Co., parent of Native 

American Bank, National Association, both in 

Denver, Colorado.

NATIVE AMERICAN 

BANCORPORATION CO.

* 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 February 26, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Comerica Bank, Dallas, Texas, to merge with 

Sterling Bank, Houston, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Comerica, Inc., Dallas, Texas, to acquire 100 

percent of Sterling Bancshares, Inc., Houston, 

Texas.

COMERICA INCORPORATED

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Texas First Bank, Texas City, Texas, to merge 

with affiliate Texas First Bank, Santa Fe, Texas, 

and to establish nine branches at the following 

locations: 12402 Hwy., 6, Santa Fe, TX 77510; 

6128 Hwy. 6, Hitchcock, TX 77563; 2625 South 

Loop 35, Alvin, TX 77511; 5675 FM 646, 

Dickinson, TX 77539; 4301 Hwy.3, Dickinson, 

TX 77539; 111 West Parkwood, Friendswood, 

TX 77546; 3000 FM 1764, La Marque, TX 77568; 

111 South Hwy. 3, League City, TX 77573; and 

2343 North Main St., Pearland, TX 77581.

TEXAS FIRST BANK

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending February 26, 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

03/09/2011

Michael Fayne Rosinus, of Winnetka, Illinois, to 

acquire 0.11 percent of the voting shares of 

Cascade Bancorp, and thereby indirectly 

acquire voting shares of Bank of the Cascades, 

both of Bend, Oregon, and join with BOTC 

Holdings LLC with respect to its investment in 

Cascade Bancorp, resulting in a total collective 

acquisition of 24.46% of the voting shares of 

Cascade Bancorp.

CASCADE 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