Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 12 

Week Ending March 19, 2011

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

Chuo Mitsui Trust Holdings, Inc., Tokyo, Japan -- application to become a bank 

holding company and to acquire The Sumitomo Trust and Banking Company, Ltd., 

Osaka, and its subsidiary bank, Sumitomo Trust and Banking Co., Hoboken, New 

Jersey, and engage in certain nonbanking activities.

- Approved, March 13, 2011

Regulations and Policies

Regulation Z (Truth in Lending) -- final amendments to clarify certain aspects of 

prior rules applicable to open-end (not home-secured) credit plans issued under the 

Credit Card Accountability Responsibility and Disclosure Act.

- Approved, March 16, 2011

Enforcement

Pembina County Bankshares, Ltd., Cavalier, North Dakota -- written agreement with 

the Federal Reserve Bank of Minneapolis.

- Announced, March 15, 2011

Rurban Financial Corp., Defiance, Ohio, and Rurbanc Data Services, Inc. -- issuance 

of a consent cease and desist order.

- Announced, March 15, 2011

Tonganoxie Bankshares, Inc., Tonganoxie, Kansas -- written agreement with the 

Federal Reserve Bank of Kansas City.

- Announced, March 15, 2011

H.2 Board Actions March 13, 2011 to March 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

March 13, 2011 to March 19, 2011

Bank Branches, Domestic

Bank of Hawaii, Honolulu, Hawaii -- to establish a branch at Safeway Hilo, 381 East 

Makaala Street, Hilo.

San Francisco

- Approved, March 18, 2011

Bank Holding Companies

Commerce Bank and Trust Holding Company, Topeka, Kansas -- to retain an interest 

in Financial Institution Technologies, Topeka, and thereby indirectly engage in data 

processing.

Kansas City

- Approved, March 16, 2011

Community Bank System, Inc., Dewitt, New York -- waiver of application to merge 

with The Wilber Corporation, Oneonta, in connection with the merger of their 

respective subsidiary banks, Community Bank, National Association, Canton, and 

Wilber National Bank, Oneonta.

New York

- Granted, March 17, 2011

Connemara Bancorp, Inc. Dallas, Texas -- to become a bank holding company and to 

acquire First Amherst Bancshares, Inc., Amherst, and indirectly acquire First 

National Bank, Amherst.

Dallas

- Withdrawn, March 14, 2011

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

Donegal Financial Services Corp., Marietta, Pennsylvania -- waiver of application to 

acquire Union National Financial Corporation, Lancaster, in connection with the 

merger of their respective subsidiary banks, Province Bank FSB, Marietta, and Union 

National Community Bank, Lancaster.

Philadelphia

- Granted, March 15, 2011

M.S.B. Corporation, Central City, Iowa, and City State Bancorporation, Inc. -- to 

engage de novo in extending credit and servicing loans.

Chicago

- Withdrawn, March 18, 2011

Old Line Bancshares, Inc., Bowie, Maryland -- to acquire Maryland Bankcorp, Inc., 

Lexington Park, and thereby indirectly acquire Maryland Bank & Trust Company, 

National Association.

Richmond

- Approved, March 16, 2011

TCF Financial Corporation, Wayzata, Minnesota -- request for an exemption under 

the Depository Institution Management Interlocks Act and Regulation L.

Minneapolis

- Withdrawn, March 16, 2011

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

(A/C) = Addition or Correction Delegated - 2 of 4
Bank Mergers

Village Bank and Trust Company, Arlington Heights, Illinois -- to purchase certain 

assets and assume certain liabilities of the 320 East Northwest Highway, Mount 

Prospect, branch of Northbrook Bank & Trust Company, Northbrook, and thereby 

establish a branch at that location.

Chicago

- Approved, March 18, 2011

Banks, Nonmember, and Miscellaneous Institutions

First Command Bank, Fort Worth, Texas -- request for an exemption from section 

23A of the Federal Reserve Act and Regulation W to allow First Command to 

purchase certain real property from its parent holding company, First Command 

Financial Services, Inc., Fort Worth.

Director, BS&R

- Granted, March 14, 2011

Change in Bank Control

Biscayne Bancshares, Inc., Coconut Grove, Florida -- to retain control of Biscayne 

Bancshares and its subsidiary bank, Biscayne Bank, Coconut Grove.

Atlanta

- Permitted, March 18, 2011

Fidelity Holding Company, Minnetonka, Minnesota -- change in bank control of 

Fidelity Holding and its subsidiary bank, Fidelity Bank, Edina.

Minneapolis

- Permitted, March 16, 2011

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

(A/C) = Addition or Correction Delegated - 3 of 4
Change in Bank Control

West 12 Bancorporation, Inc., Danvers, Minnesota -- change in bank control of West 

12 and its subsidiary bank, State Bank of Danvers.

Minneapolis

- Permitted, March 15, 2011

Extensions of Time

M&P Community Bancshares, Inc. 401(k) Employee Stock Ownership Plan, 

Newport, Arkansas -- extension to June 16, 2011, to acquire additional shares of 

M&P Community Bancshares, Inc., Newport.

St. Louis

- Granted, March 16, 2011

Woodforest Financial Group Employee Stock Ownership Plan (with 401(k) 

Provisions), The Woodlands, Texas, and Woodforest Financial Group Employee 

Stock Ownership Trust -- extension to June 16, 2011, to become a bank holding 

company and to acquire shares of Woodforest Financial Group, Inc., The Woodlands, 

and thereby acquire Woodforest National Bank, Houston; and to acquire a savings 

association through Woodforest Financial Group, Inc., and indirectly Woodforest 

Bank, FSB, Refugio.

Dallas

- Granted, March 16, 2011

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

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

Federal Reserve Bank of Boston

Filings received during the week ending March 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 March 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 March 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Bryn Mawr Bank Corporation, Bryn Mawr, PA, 

to acquire 100% of PWMG Bank and Trust, Inc., 

Hersey PA, a non-depository trust company in 

formation and to merge PWBG Bank and Trust, 

Inc. with and into The Bryn Mawr Trust 

Company, Bryn Mawr, PA.

BRYN MAWR BANK 

CORPORATION

* 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 March 19, 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 March 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Carroll Bancorp, Inc., Sykesville, Maryland, to 

become a bank holding company through the 

acquisition of 100% of the voting stock of 

Carroll Community Bank, Sykesville, Maryland, 

upon its conversion from a state savings bank 

to a state-chartered stock commercial bank.

Carroll 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 March 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco Financiero y de Ahorros, S.A., Valencia, 

Spain (formerly New Bank), to establish a 

branch to be located in Miami, Florida.

BANCO FINANCIERO Y DE 

AHORROS, S.A.

* 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 March 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 04/04/2011

04/01/2011

Community State Bank Employee Stock 

Ownership Plan and Trust, Union Grove, 

Wisconsin, to acquire up to 850 shares of Union 

Bancorporation, Inc., Union Grove, Wisconsin, 

and increase its ownership up to 38.24 percent, 

and thereby indirectly increase its control of 

Community State Bank, Union Grove, 

Wisconsin.

COMMUNITY STATE BANK 

EMPLOYEE STOCK OWNERSHIP 

PLAN AND TRUST

Newspaper:

Federal Register:

CIC Not available

03/30/2011

Notice by Gary W. Melvin, Alex J. Melvin, 

David W. Melvin and Laura A. Voyles, each of 

Sullivan, Illinois, as a group acting in concert, to 

acquire more than 10 percent of the voting 

shares of First Mid-Illinois Bancshares, Inc., 

Mattoon, Illinois, and thereby indirectly control 

First Mid-Illinois Bank & Trust, National 

Association, Mattoon, Illinois.

FIRST MID-ILLINOIS 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

4c8 04/14/2011

Home Financial Bancorp, Spencer, Indiana, to 

become a bank holding by acquiring 100 percent 

of the voting shares of Owen Community Bank, 

s.b., Spencer, Indiana, and also, proposes to 

engage in insurance agency activities through 

its subsidiary, OCB Insurance Agency, Inc., 

Spencer, Indiana.

HOME FINANCIAL BANCORP

Newspaper:

Federal Register:

* 3A3 04/08/2011

04/15/2011

Minier Financial,Inc. Employee Stock 

Ownership Plan with 401(k) Provisions, Minier, 

Illinois, to increase its ownership of Minier 

Financial, Inc., Minier, Illinois, from 31.93 

percent to up to 35 percent, and thereby 

increase its indirect ownership of First Farmers 

State Bank, Minier, Illinois.

MINIER FINANCIAL, INC. 

EMPLOYEE STOCK OWNERSHIP 

PLAN W/401(K) PROVISIONS

Newspaper:

Federal Register:

CIC Not available

04/04/2011

Notice by Lucinda Hill Alden, Los Angeles, 

California, as trustee for The Gilbert D. Hill 

Descendant's Trust, The Roberta E. Hill 

Descendant's Trust, The Julie Hill Irrevocable 

Trust Dated April 7, 2003, and the Lucinda Hill 

Irrevocable Trust Dated April 7, 2003, all of Los 

Angeles, California, to retain control of Newell 

Bancshares, Inc., Newell, Iowa, and thereby 

indirectly control First Community Bank, Newell, 

Iowa.

NEWELL BANCSHARES, INC.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

The Northern Trust Company, Chicago, Illinois 

and The Northern Trust International Banking 

Corporation, Jersey City, New Jersey, to make 

an investment through its indirect subsidiary, 

Northern Trust (Ireland) Limited in Bank of 

Ireland Securities Services; Bank of Ireland 

Nominees Limited; IBI Nominees Limited; and 

IBI Property Nominees Limited, Dublin, Ireland.

NORTHERN TRUST COMPANY, 

THE

* 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 March 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Evolve Bank & Trust, West Memphis, 03/28/2011

Arkansas, to establish a branch facility to be 

located at 6070 Poplar Avenue, Suite 100, 

Memphis, Tennessee.

EVOLVE BANK & TRUST

Newspaper:

Federal Register:

* 3A3 04/08/2011

04/14/2011

The McGehee Bank Employee Stock Ownership 

Plan, McGehee, Arkansas, to acquire additional 

direct ownership of up to 35 percent of 

Southeast Financial Bankstock Corporation, 

McGehee, Arkansas, and thereby increase its 

indirect control of McGehee Bank, McGehee, 

Arkansas.

MCGEHEE BANK EMPLOYEE 

STOCK OWNERSHIP PLAN THE

Newspaper:

Federal Register:

* Branch

Not applicable

Southern Bancorp Bank, Arkadelphia, 03/24/2011

Arkansas, to establish a branch facility to be 

located at 1888 Main Street Crossing, Suite D, 

Madison, Mississippi.

SOUTHERN BANCORP 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 March 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Change in control notice by Gerald John Baack, 

Apple Valley, Minnesota, individually, and in 

concert with Sherri Lynn Baack, Apple Valley, 

Minnesota, to acquire and retain 10 percent or 

more of the shares of Bridgewater Bancshares, 

Inc., Bloomington, Minnesota, and thereby 

indirectly acquire and retain control of 

Bridgewater Bank, Bloomington, Minnesota.

BRIDGEWATER BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control Notice by Najib G. 

Schlosstein, Arcadia, Wisconsin, to acquire 25 

percent or more of the shares of GEBSCO, 

Mondovi, Wisconsin, and thereby indirectly 

gain control of Alliance Bank, Mondovi, 

Wisconsin. In addition, Castlerock Museum, 

Inc., Alma, Wisconsin, to retain shares of 

GEBSCO, Mondovi, Wisconsin, and thereby 

join the Schlosstein Family Group which 

controls 25 percent or more of GEBSCO, 

Mondovi, Wisconsin.

GEBSCO, 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 March 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/24/2011

04/01/2011

Notification by Russell W. Blaha, Ord, 

Nebraska, to acquire control of BBJ, Inc., parent 

of First National Bank in Ord, both in Ord, 

Nebraska.

BBJ INCORPORATED

Newspaper:

Federal Register:

* Branch

Not applicable

Five Points Bank of Grand Island, Grand Island, 03/30/2011

Nebraska, to establish a mobile branch to be 

operated in Douglas and Sarpy County, 

Nebraska.

FIVE POINTS BANK

Newspaper:

Federal Register:

CIC Not available

04/04/2011

Notification by Scott T. Athey, Enid, 

Oklahonma, to acquire control of Security 

Financial Services Corporation, parent of The 

Security National Bank of Enid, both in Enid, 

Oklahoma.

SECURITY FINANCIAL 

SERVICES CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Notification by James E. Landen, Omaha, 

Nebraska, as trustee of the Mary M. Huerter 

Irrevocable Trust; the Megan L. Huerter 

Irrevocable Trust; the James V. Huerter III 

Irrevocable Trust; the Rebecca F. Huerter 

Irrevocable Trust; the Thomas L. Huerter 

Irrevocable Trust; the Mary C. Landen 

Irrevocable Trust; the Clarence L. Landen IV 

Irrevocable Trust; the Kelly A. Landen 

Irrevocable Trust; the Elizabeth L. Kerr 

Irrevocable Trust; the Jordan M. Kerr 

Irrevocable Trust; and the J. Michael Kerr Jr. 

Irrevocable Trust, all of Omaha, Nebraska, to 

retain control of Security National Corporation, 

Omaha, Nebraska, parent of Security National 

Bank of Omaha, Omaha, Nebraska.

SECURITY NATIONAL 

CORPORATION

* 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 March 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of the West, El Paso, Texas, to establish a 03/31/2011

branch to be located at 5604 E. Paisano Drive, El 

Paso, Texas 79925.

BANK OF THE WEST

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Comerica Bank, Dallas, Texas, to merge with 

Sterling Bank, Houston, Texas; and to establish 

the 61 offices of Sterling Bank, Houston, Texas, 

as branches of Comerica Bank, Dallas, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Texas First Bank, Texas City, Texas, to merge 03/18/2011

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 March 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/23/2011

04/06/2011

Bank of Idaho Holding Company Employee 

Stock Ownership Plan to retain control of 18.13 

percent of Bank of Idaho Holding Company and 

thereby indirectly retain control of The Bank of 

Idaho, all of Idaho Falls, Idaho.

BANK OF IDAHO HOLDING CO.

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

Newspaper:

Federal Register:

* Branch

Not applicable

Mission Community Bank, San Luis Obispo, 03/28/2011

California, to establish a full service branch at 

3380 South Higuera Street, San Luis Obispo, 

California.

MISSION COMMUNITY BANK

* 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