Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 43 

Week Ending October 27, 2012

Board of Governors of the Federal Reserve System, Washington, DC 20551
Regulations and Policies

Regulation D (Reserve Requirements of Depository Institutions) -- final amendment 

to delay until June 27, 2013, the effective date for certain provisions to simplify the 

administration of reserve requirements.

- Approved, October 25, 2012

Reserve Bank Services

Federal Reserve Priced Services -- 2013 private sector adjustment factor and fee 

schedules for priced services and electronic access.

- Approved, October 25, 2012

Private Sector Adjustment Factor -- to change the methodology for calculating the 

private sector adjustment factor for priced services.

- Approved, October 25, 2012

Enforcement

Patapsco Bancorp, Inc., Dundalk, Maryland, and The Patapsco Bank -- written 

agreement with the Federal Reserve Bank of Richmond and the Maryland 

Commissioner of Financial Regulation.

- Announced, October 23, 2012

H.2 Board Actions October 21, 2012 to October 27, 2012

(A/C) = Addition or Correction Board - Page 1 of 1
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

October 21, 2012 to October 27, 2012

MA Monetary Affairs

Bank Branches, Domestic

Brookline Bank, Brookline, Massachusetts -- to establish a branch at 131 Clarendon 

Street, Boston.

Boston

- Approved, October 26, 2012

Centennial Bank, Conway, Arkansas -- to establish a branch at 1815 West State 

Road 434, Longwood, Florida.

St. Louis

- Approved, October 22, 2012

FirstBank, Antlers, Oklahoma -- to establish a branch at 100 Harper Road, Kiowa.

Kansas City

- Approved, October 25, 2012

IberiaBank, Lafayette, Louisiana -- to establish branches at 3600 South Carrollton 

Avenue, New Orleans; 107 Northshore Boulevard, Slidell; 5247 Golden Gate 

Parkway, Naples, Florida; 2025 3rd Avenue North, Birmingham, Alabama; and 

13535 East Freeway, Houston, Texas (five applications).

Atlanta

- Approved, October 25, 2012

Palm Beach Community Bank, West Palm Beach, Florida -- to establish a branch at 

2160 West Atlantic Avenue, Delray Beach.

Atlanta

- Approved, October 24, 2012

(A/C) = Addition or Correction Delegated - 1 of 5
Bank Holding Companies

First Missouri Bancshares, Inc., Brookfield, Missouri -- waiver of application to 

acquire Citizens Bancshares of Blythedale, Inc., Blythedale, in connection with the 

merger of their respective subsidiary banks, First Missouri Bank, Brookfield, and 

Citizens Bank of Blythedale, Blythedale.

Kansas City

- Granted, October 25, 2012

NBC Bancshares, LLC, Lincoln, Nebraska -- to retain shares of Nebraska Bank of 

Commerce, Lincoln, on its conversion from a federal savings bank to a 

state-chartered bank.

Kansas City

- Approved, October 26, 2012

SKBHC Holdings, LLC, Seattle, Washington, and Starbuck Bancshares, Inc. -- 

waiver of application to indirectly acquire Inland Community Bank, National 

Association, Ontario, California, in connection with the merger of Inland with and 

into SKBHC's and Starbuck's subsidiary, AmericanWest Bank, Spokane, 

Washington.

San Francisco

- Granted, October 25, 2012

ST Financial Group, Inc., College Station, Texas -- waiver of application to indirectly 

acquire Oasis Bank, SSB, Houston, in connection with the merger of Oasis Bank and 

ST's subsidiary, Spirit of Texas Bank, SSB, College Station.

Dallas

- Granted, October 26, 2012

H.2 Actions under delegated authority October 21, 2012 to October 27, 2012

(A/C) = Addition or Correction Delegated - 2 of 5
Bank Holding Companies

Yorktown Financial Holdings, Inc., Tulsa, Oklahoma -- to become a bank holding 

company by acquiring CNBO Bancorp, Inc., Pryor; Century Bank of Oklahoma; and 

Century Home Mortgage of Oklahoma, LLC, Tulsa, and thereby engage indirectly in 

mortgage lending activities.

Kansas City

- Approved, October 24, 2012

Change in Bank Control

BSJ Bancshares, Inc., St. Joseph, Louisiana -- to retain control of BSJ Bancshares 

and its subsidiary, Cross Keys Bank, St. Joseph.

Dallas

- Permitted, October 26, 2012

First of Murphysboro, Corp., Murphysboro, Illinois -- change in bank control of First 

of Murphysboro and its subsidiary, The First Bank and Trust Company of 

Murphysboro, Murphysboro.

St. Louis

- Withdrawn, October 26, 2012

Perry Investment Company, Perry, Iowa -- change in bank control of Perry 

Investment Company and its subsidiary, Raccoon Valley Bank, Perry.

Chicago

- Permitted, October 23, 2012

St. Joseph Bancorp, Inc., Saint Joseph, Missouri -- change in bank control of 

St. Joseph Bancorp and its subsidiary, Midwest Federal Savings and Loan 

Association of St. Joseph, St. Joseph.

Kansas City

- Permitted, October 26, 2012

H.2 Actions under delegated authority October 21, 2012 to October 27, 2012

(A/C) = Addition or Correction Delegated - 3 of 5
Extensions of Time

CenterGroup Financial, Inc., Milford, Ohio -- extension to January 21, 2013, to 

become a bank holding company by acquiring CenterBank, Milford.

Cleveland

- Granted, October 23, 2012

Membership

CommerceWest Bank, National Association, Newport Beach, California -- to retain 

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

San Francisco

- Approved, October 26, 2012

Regulations and Policies

Regulation D (Reserve Requirements of Depository Institutions) -- final rule 

implementing the annual indexing of the low reserve tranche, reserve requirement 

exemption amount, nonexempt deposit cutoff level, and reduced reporting limit 

for 2013.

Director, MA

- Approved, October 24, 2012

Regulation S (Reimbursement to Financial Institutions for Providing Financial 

Records; Recordkeeping Requirements for Certain Financial Records) -- technical 

amendments to the regulation governing recordkeeping and reporting requirements 

for funds transfers and transmittals of funds to conform the citations and references 

to organizational changes adopted by the director of the Financial Crimes 

Enforcement Network in 2010.

Secretary

- Approved, October 18, 2012

(A/C)

H.2 Actions under delegated authority October 21, 2012 to October 27, 2012

(A/C) = Addition or Correction Delegated - 4 of 5
Reserve Bank Operations

Federal Reserve Bank of Chicago -- request to commit funds to proceed with the 

LaSalle Street Lobby Hardening and Security Screening projects under the Security 

and Cash Operations Renovation Effort.

Director, RBOPS

- Approved, October 26, 2012

H.2 Actions under delegated authority October 21, 2012 to October 27, 2012

(A/C) = Addition or Correction Delegated - 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending October 27, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

New Hampshire Mutual Bancorp, Manchester, 

New Hampshire to become a mutual holding 

company through the acquisition of Meredith 

Village Savings Bank, Meredith, New 

Hampshire, pursuant to section 3(a)(1) of the 

BHC Act.

NEW HAMPSHIRE MUTUAL 

BANCORP

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5 Not available

New Hampshire Mutual Bancorp, Manchester, 

New Hampshire, to acquire Merrimack Bancorp, 

MHC, Concord, New Hampshire, and its 

subsidiary bank, Merrimack County Savings 

Bank, Concord, New Hampshire, pursuant to 

sections 3(a)(3) and 3(a)(5) of the BHC Act.

NEW HAMPSHIRE MUTUAL 

BANCORP

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending October 27, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 10/26/2012

Buffalo, New York, to establish a full-service 

branch located at One Research Court, 

Rockville, Montgomery County, Maryland.

MANUFACTURERS AND 

TRADERS TRUST COMPANY

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending October 27, 2012

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending October 27, 2012

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 October 27, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banque Centrale Populaire, Casablanca, 

Morocco, to establish a representative office in 

Washington, D.C.

BANQUE CENTRALE 

POPULAIRE

Newspaper:

Federal Register:

CIC 10/24/2012

11/07/2012

James D. Moore, Jr. and Judith S. Moore, both 

of Abingdon, Virginia, Heather M. Post of 

Asheville, North Carolina, and James D. Moore, 

III of Sterling, Virginia, as a group acting in 

concert to retain 10.93% of the outstanding 

voting shares of Highlands Bankshares, Inc., 

Abingdon, Virginia

HIGHLANDS BANKSHARES, 

INC.

Newspaper:

Federal Register:

CIC Not available

11/08/2012

Tamra Wright Thomas, Winston Salem, North 

Carolina, to acquire up to 10.06% of Surrey 

Bancorp, Mount Airy, North Carolina.

SURREY BANCORP

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 6

Federal Reserve Bank of Atlanta

Filings received during the week ending October 27, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 11/04/2012

11/06/2012

Prior change in control notice filed by Anderson 

Volunteer Holdings, LP, Chattanooga, 

Tennessee, and its general partners, Robert R. 

Anderson and Doralynn Elizabeth Garrison 

Anderson, both of Longboat Key, Florida, to 

acquire up to 20 percent of the outstanding 

voting shares of common stock of First 

Volunteer Corporation, and its subsidiary, First 

Volunteer Bank, both of Chattanooga, 

Tennessee.

FIRST VOLUNTEER 

CORPORATION

Newspaper:

Federal Register:

* 3A1 11/23/2012

11/23/2012

Franklin County UNITED Bancshares, Inc., to 

become a bank holding company by acquiring 

100 percent of the outstanding shares of 

Franklin County UNITED Bank, Decherd, 

Tennessee.

FRANKLIN COUNTY UNITED 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 11/16/2012

11/16/2012

MidSouth Bancorp, Inc., Lafayette, Louisiana, 

to merge with PSB Financial Corporation, and 

thereby acquire its subsidiary, Peoples State 

Bank, both of Many, Louisiana.

MIDSOUTH BANCORP, INC.

Newspaper:

Federal Register:

CIC 11/11/2012

11/09/2012

Prior change in control notice filed by Moishe 

Gubin, Hillside, Illinois, to acquire approximately 

3.88 percent of the outstanding shares of voting 

securities of OptimumBank Holdings, Inc., Ft. 

Lauderdale, Florida, and its subsidiary, 

OptimumBank, Plantation, Florida. Total pro 

forma ownership will equal 10.3 percent.

OPTIMUMBANK HOLDINGS, 

INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Regions Financial Corporation, Birmingham, 

Alabama, to establish Regions Securities LLC, 

Atlanta, Georgia, and thereby engage in certain 

insitutional broker-dealer activities, pursuant to 

sections 4(k) and 4(j) of the Bank Holding 

Company Act.

REGIONS FINANCIAL 

CORPORATION

* 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 October 27, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Interagency Bank Merger Application 

requesting approval of the merger of Bluestem 

National Bank, Fairbury, Illinois with and into 

Bank of Pontiac, Pontiac, Illinois.

BANK OF PONTIAC

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Central State Bank, Elkader, Iowa, to merge with 

Farmers Savings Bank, Walford, Iowa. As a 

result of the merger, Central State Bank, will 

establish a branch office at 345 Highway 151, 

Walford, Iowa.

CENTRAL STATE BANK

Newspaper:

Federal Register:

CIC 10/26/2012

10/19/2012

Notice by the Job Family (Julia C. Job, Stuart L. 

Job, and Susan Job Hollingshead, all of 

Knoxville, Iowa), as a group acting in concert 

and individually by Stuart L. Job and Susan Job 

Hollingshead, for approval to gain control of 

Duclarkee, Inc., Knoxville, Iowa, and thereby 

indirectly Iowa State Savings Bank, Knoxville, 

Iowa.

DUCLARKEE, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

First State Bancorp of Monticello, Employee 

Stock Ownership Plan, Monticello, Illinois, to 

increase its ownership of First State Bancorp of 

Monticello, Inc., Monticello, Illinois, from 25.51 

percent to 100 percent, and thereby increase its 

indirect ownership of First State Bank, 

Monticello, Illinois and First State Bank of 

Bloomington, Bloomington, Illinois.

FIRST STATE BANCORP OF 

MONTICELLO, INC. EMPLOYEE 

STOCK OWNERSHIP PLAN

Newspaper:

Federal Register:

* 3A3 11/14/2012

11/16/2012

Greenwoods Financial Group, Inc., Lake Mills, 

Wisconsin, is seeking prior approval for the 

acquistion of up to 100 per cent of the voting 

shares of Bank of Monticello, Monticello, 

Wisconsin.

GREENWOODS FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

11/13/2012

Heartland Financial USA, Inc., Dubuque, Iowa, 

to acquire 100 percent of Heritage Bank, NA., 

Phoenix, Arizona.

HEARTLAND FINANCIAL USA, 

INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending October 27, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by the group consisting of: JPMorgan 

Chase Bank, N.A., Naperville, Illinois as Trustee 

of the Jerry C. Bradshaw Family Trust - GST 

Non-Exempt Trust and the Jerry C. Bradshaw 

Family Trust - GST Exempt Trust; Charles M. 

Shea, Wilmette, Illinois, as committee member of 

the Jerry C. Bradshaw Family Trust - GST 

Non-Exempt Trust and the Jerry C. Bradshaw 

Family Trust - GST Exempt Trust; Molly Boed, 

Wassenaar, Netherlands, as committee member 

of the Jerry C. Bradshaw Family Trust - GST 

Non-Exempt Trust and the Jerry C. Bradshaw 

Family Trust - GST Exempt Trust; Betty J. 

Bradshaw, Wheaton, Illinois, as committee 

member of the Jerry C. Bradshaw Family Trust - 

GST Non-Exempt Trust and the Jerry C. 

Bradshaw Family Trust - GST Exempt Trust, to 

retain control of the outstanding shares of 

Marseilles Bancorporation, Inc., and thereby 

retain indirect control Marseilles Bank, both of 

Marseilles, Illinois.

MARSEILLES 

BANCORPORATION, INC.

Newspaper:

Federal Register:

CIC Not available

10/19/2012

Richard P. DelMedico, Ontario, Wisconsin, 

Doreen M. Dahl, Cashton, Wisconsin, Denise 

M. Gunderson, Byron, Minnesota, Diana M. 

Fischer, Reno, Nevada, and Debra M. Schmitz, 

Norwalk, Wisconsin, together as a group acting 

in concert, to retain control of 25 percent or 

more of the outstanding shares of Ontario 

Bancorporation, Inc., and thereby indirectly 

retain control of Bank of Ontario, both of 

Ontario, Wisconsin.

ONTARIO BANCORPORATION, 

INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Letter of application to establish a branch office 

at 9929 Lima Road, Fort Wayne, Indiana on or 

around 2/4/2013.

SALIN BANK AND TRUST 

COMPANY

Newspaper:

Federal Register:

CIC Not available

10/17/2012

Voting Trust and David E. Kirschner, 

Springfield, Illinois, as trustee of Voting Trust, 

to join the existing Kirschner Family Control 

Group through the acquisition of shares of 

Town and Country Financial Corporation, 

Springfield, Illinois, and thereby to indirectly 

acquire shares of Town and Country Bank, 

Springfield, Illinois, and Logan County Bank, 

Lincoln, Illinois.

TOWN AND COUNTRY 

FINANCIAL CORPORATION

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

Federal Reserve Bank of Chicago

Filings received during the week ending October 27, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* MHC Not available

Conversion

* SLHC 

Formation

10/22/2012

United Community MHC, Lawrenceburg, 

Indiana, proposes to convert to stock form and 

merge with United Community Bancorp, 

Lawrenceburg, Indiana, an existing savings and 

loan holding company. The existing United 

Community Bancorp will merge with a new 

company, also called United Community 

Bancorp, Lawrenceburg, Indiana, which will 

become a savings and loan holding company 

through the acquisition of 100 percent of the 

outstanding stock of United Community Bank, 

Lawrenceburg, Indiana, a federal savings bank.

UNITED COMMUNITY MHC

Newspaper:

Federal Register:

* 3A3 10/23/2012

10/29/2012

Wintrust Financial Corporation, Rosemont, 

Illinois, for prior approval to acquire HPK 

Financial Corporation, Chicago, Illinois, and 

thereby indirectly acquire Hyde Park Bank & 

Trust Company, Chicago, Illinois, pursuant to 

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

Act.

WINTRUST FINANCIAL 

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 October 27, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 11/23/2012

11/26/2012

Bank of the Ozarks, Inc., Little Rock, Arkansas, 

to acquire 100 percent of Genala Banc, Inc., 

Geneva, Alabama, and thereby indirectly 

acquire Citizens Bank, Geneva, Alabama.

BANK OF THE OZARKS INC

Newspaper:

Federal Register:

CIC 10/29/2012

11/14/2012

Barbara K. Ferry, Nevada, Missouri, individually 

and as trustee of the L. Ingles Ferry Trust A, 

Barbara Fowler Ferry Trust, Hubert L. Fowler 

Trust, and the Marguerite Fowler Trust, and as 

a member of a family control group which 

includes L. Ingles Ferry, Hubert L. Fowler, 

Marguerite Fowler, David L. Ferry, Joseph D. 

Ferry, Patrick Ferry, Lindley G. Ferry, Barbara J. 

Benbrook, Scott D. Benbrook, Jeffrey L. 

Benbrook and Emily L. Benbrook, to acquire 

control of Mid-Missouri Bancshares, Inc., 

Springfield, Missouri, through Barbara K. 

Ferry's assumption of voting power over shares 

held by the four trusts.

MID-MISSOURI BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC

Not available

R. Forest Taylor and Zora Taylor, Morgantown, 11/20/2012

Kentucky, as the largest individual 

shareholders, and in concert with their 

immediate family members (Sue Ann Bond, 

Louisville, Kentucky; Patty Jo Murphy, 

Alvaton, Kentucky; Callie Jo Cromer, New 

Orleans, Louisiana; Amanda Kay Johnson, 

Spring Hill, Tennessee; Emily Ann Romans, 

Russellville, Kentucky; Robert Daniel Taylor, 

Morgantown, Kentucky; and Sharon Kay 

Taylor, Morgantown, Kentucky), to gain control 

of 10% or more of Morgantown Deposit 

Bancorp, Inc., Morgantown, Kentucky.

MORGANTOWN DEPOSIT 

BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

The Scott County State Bank, Scottsburg, 11/12/2012

Indiana, to establish a branch facility to be 

located at 307 West Main Street, Austin, 

Indiana.

SCOTT COUNTY STATE BANK, 

THE

* 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 October 27, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice of Change in Control by the Philip G. 

Amundson 2012 Irrevocable Grantor Trust, 

Sioux Falls, South Dakota, Matt Amundson, 

Trustee, Hendricks, Minnesota, Angie Mixner, 

Trustee, Sioux Falls, South Dakota, and Blair 

Folkens, Trustee, Brandson, South Dakota, to 

acquire 25 percent or more of the shares of 

Beulah Bancorporation, Inc., Sioux Falls, South 

Dakota, and thereby indirectly acquire control 

of First Security Bank - West, Beulah, North 

Dakota, and Valley Bank and Trust, Mapleton, 

Iowa. In addition, Philip G. Amundson 2012 

Irrevocable Grantor Trust and its trustees, 

propose to join the Amundson Family group, 

which controls Beulah Bancorporation, Sioux 

Falls, South Dakota, and thereby indirectly 

controls, First Security Bank - West, Beulah, 

North Dakota, and Valley Bank and Trust, 

Mapleton, Iowa.

BEULAH BANCORPORATION, 

INC.

Newspaper:

Federal Register:

CIC Not available

10/30/2012

Robert B. Flood, Jr., Marquette, Michigan, and 

Susan Flood-Dziubinski, Crystal Falls, 

Michigan, each propose to acquire control of 25 

percent or more of the shares of C.F.C. Bancorp, 

Inc., Crystal Falls, Michigan, and thereby 

indirectly acquire First National Bank of Crystal 

Falls, Crystal Falls, Michigan. Additionally, 

these two individuals together with Susan J. 

Flood Revocable Living Trust, Crystal Falls, 

Michigan, Susan J. Flood-Dziubinski trustee; 

Mary Ann Flood Revocable Living Trust, 

Crystal Falls, Michigan, Robert B. Flood, Jr, and 

Susan J. Flood-Dziubinski, co-trustees; James 

Flood, Medford, Wisconsin; Lisa Flood, 

Marquette, Michigan; Mark A. Flood, Iron 

Mountain, Michigan; and Mark A. Flood 

Revocable Trust, Iron Mountain, Michigan, 

Mark A. Flood trustee as a group acting in 

concert to acquire 25 percent or more of the 

shares of C.F.C. Bancorp, Inc.

C.F.C. BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 11/19/2012

11/19/2012

Cattail Bancshares, Inc., Atwater, Minnesota, to 

acquire 100 percent of Citizens State Bank of 

Waverly (Incorporated), Waverly, Minnesota.

CATTAIL BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

11/19/2012

Centra Ventures, Inc., Foley, Minnesota, to 

acquire 100 percent of Richmond Bank Holding 

Company, Richmond, Minnesota, and thereby 

indirectly acquire State Bank of Richmond, 

Richmond, Minnesota.

CENTRA VENTURES, INC.

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending October 27, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice of Change in Control by Jill M. Frei 

Trust, Wagner, South Dakota, (Security 

National Bank of South Dakota, Dakota Dunes, 

South Dakota, trustee; Jill M. Frei with power to 

vote shares), to acquire control of Commercial 

Holding Company, Wagner, South Dakota, and 

thereby indirectly acquire control of Commercial 

State Bank of Wagner, Wagner, South Dakota.

COMMERCIAL HOLDING 

COMPANY

Newspaper:

Federal Register:

CIC Not available

11/14/2012

Change in Control Notice by Howard J. Rubin, 

Minneapolis, Minnesota, as Trustee of the 

Jeanie Rae Thorson 2012 Generation Skipping 

Trust, the Kristi Jo Jacobsen 2012 Generation 

Skipping Trust, and the Barbara Kay Billings 

2012 Generation Skipping Trust, Minneapolis, 

Minnesota (collectively "the three GSTs"), to 

acquire 25 percent or more of the shares of First 

LeRoy BanCorporation, Inc., LeRoy, Minnesota, 

and thereby indirectly acquire First State Bank 

Minnesota, LeRoy, Minnesota. In addition, the 

three GSTs intend to join the Hanson family 

shareholder group acting in concert which 

controls First LeRoy BanCorporation, Inc., and 

thereby indirectly controls First State Bank 

Minnesota.

FIRST LEROY 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A3 11/02/2012

10/29/2012

Forstrom Bancorporation, Inc., Clara City, 

Minnesota, to acquire 100 percent of Murdock 

Bancor, Inc., Mendota Heights, Minnesota, and 

thereby indirectly acquire First State Bank of 

Murdock, Murdock, Minnesota.

FORSTROM 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A3 11/19/2012

11/23/2012

Independent Bancshares, Inc., Clarkfield, 

Minnesota, to acquire 100 percent of Security 

State Bank of Fergus Falls, Fergus Falls, 

Minnesota.

INDEPENDENT BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control Notice by the Miller Family 

2012 Trust U/A dated December 2012; and 

Daniel James Miller, Saint Cloud, Minnesota, 

individually and as trustee of The Miller Family 

2012 Trust U/A dated December 2012, to acquire 

25 percent or more of the shares of Liberty 

Financial Services of Saint Cloud, Saint Cloud, 

Minnesota, and thereby indirectly acquire 

control of Liberty Savings Bank, FSB, Saint 

Cloud, Minnesota.

LIBERTY FINANCIAL SERVICES, 

ST. CLOUD

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending October 27, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/02/2012

Retroactive Change in Control Notice by Quoin 

Financial Bank 401(K) Profit Sharing Plan, 

Miller, South Dakota (First Bank & Trust, 

Brookings, South Dakota, trustee; Tom, Jerry, 

and Garry Peterka with power to vote), and 

Goodman Group Management Deferred 

Compensation Rabbi Trust Plan, F/B/O Dan 

Peterka, Phoenix, Arizona (Wilmington Trust 

Retirement and Institutional Services Company, 

Phoenix, Arizona, trustee; Dan Peterka with 

power to vote), to join the Peterka Family Group 

which controls 25 % or more of the shares of M 

& H Financial Services Inc., Miller, South 

Dakota, and thereby indirectly controls Quoin 

Financial Bank, Miller, South Dakota.

M & H FINANCIAL SERVICES, 

INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Otto Bremer Foundation, and Bremer Financial 

Corporation, both of Saint Paul, Minnesota, to 

acquire 100% of Paul Wagner Insurance 

Agency, Glenwood City, Wisconsin.

OTTO BREMER FOUNDATION

Newspaper:

Federal Register:

CIC Not available

11/05/2012

Change in Control notice by Brooke L. Distad, 

Kasson, Minnesota, and Jeffrey C. Palmer, 

Mantorville, Minnesota, to acquire 25 percent or 

more of the shares of Palmer Bancshares, Inc., 

Kasson, Minnesota, and thereby indirectly gain 

control of Kasson State Bank, Kasson, 

Minnesota.

PALMER BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Profinium Financial to establish a detached 

facility to be located at 124 East Walnut Street, 

Suite 320, Mankato, Minnesota.

PROFINIUM FINANCIAL, INC.

Newspaper:

Federal Register:

CIC Not available

11/06/2012

Change in Control Notice by Paul Arnold 

Domke, Tulare, South Dakota; Rodney Domke, 

Highmore, South Dakota; Scott Allen Domke, 

Redfield, South Dakota; and Naomi Ruth 

Reinhardt, Wessington, South Dakota, to 

individually and as a group acting in concert, 

acquire control of Wessington Bankshares, Inc., 

Wessington, South Dakota, and thereby 

indirectly acquire control of Heartland State 

Bank, Redfield, South Dakota.

WESSINGTON BANKSHARES, 

INC.

* 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 October 27, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

11/16/2012

American State Bancshares, Inc., Great Bend, 

Kansas, to acquire 100 percent of the voting 

shares of Holcomb Bancshares, Inc., Holcomb, 

Kansas, the parent company of First National 

Bank of Holcomb, Holcomb, Kansas.

AMERICAN STATE 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

KCB Bank, Kearney, Missouri, to purchase 

certain assets and assume certain liabilities of 

Northland National Bank, Gladstone, Missouri, 

and incident thereto, to establish branches in 

Gladstone, Missouri and Overland Park, 

Kansas.

KCB BANK

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Lawson Bank, Lawson, Missouri, to become a 

member of the Federal Reserve System.

LAWSON BANK

Newspaper:

Federal Register:

* 3A1 11/12/2012

11/01/2012

Legacy Financial, Inc., Johnson, Kansas, to 

become a bank holding company through the 

acquisition of 100 percent of the outstanding 

voting shares of First National Bank of 

Syracuse, Syracuse, Kansas.

LEGACY FINANCIAL, INC.

Newspaper:

Federal Register:

CIC Not available

11/08/2012

Notice submitted by The E.L. Burch Irrevocable 

Trust of 2012, Parkville, Missouri, together with 

its trustees, Kyle Burch, Parkville, Missouri, and 

Michele Jones, Overland Park, Kansas, to 

acquire control of Platte County Bancshares, 

Inc., Platte City, Missouri, parent of Platte 

Valley Bank of Missouri, Platte City, Missouri.

PLATTE COUNTY 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 10/31/2012

11/09/2012

Notice submitted by Byron Dirk Bagenstos, 

Cherokee, Oklahoma; Greggory Earl Glass, Alva, 

Oklahoma; Kevin Russell Murrow, Alva, 

Oklahoma; Warren Dean Hughes, Carmen, 

Oklahoma; and Mike Lee Mackey, Alva, 

Oklahoma, as a group acting to concert to 

acquire control of S G Bancshares, Inc., Okeene, 

Oklahoma, parent of State Guaranty Bank, 

Okeene, Oklahoma.

S G BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

11/13/2012

Notification by Number One-A Irrevocable 

Trust, Number Two-A Irrevocable Trust, and 

John A. Fox, trustee, all of Denver, Colorado, to 

become members of the Sturm control group 

and thereby acquire control of Sturm Financial 

Group, Inc., parent of ANB Bank, both in 

Denver, Colorado.

STURM FINANCIAL GROUP, 

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

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 October 27, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 11/07/2012

11/13/2012

Prior notice by Robert Edward Berryhill, 

individually and as co-trustee of the Bastrop 

Bancshares, Inc., Employee Stock Ownership 

Plan, Smithville, Texas, to acquire 12.96 percent 

or more of the shares and thereby control of 

Bastrop Bancshares, Inc., Bastrop, Texas, and 

indirectly First National Bank, Bastrop, Texas.

BASTROP BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

11/19/2012

Circle I Bank Group, Inc., Amarillo, Texas, to 

become a bank holding company through 

merger, acquiring 100 percent of the 

outstanding shares of Western Bancshares, 

Inc., Coahoma, Texas, and indirectly acquire 100 

percent of the outstanding shares of Western 

Bank, Coahoma, Texas.

CIRCLE I BANK GROUP, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Community Trust Bank, Choudrant, Louisiana, 

to establish a branch to be located at 203 

Promenade Boulevard, Flowood, Mississippi 

39232.

COMMUNITY TRUST BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

HCSB, A State Banking Association, Plainview, 

Texas, to merge with affiliate Citizens Bank, 

Slaton, Texas, and to establish 5 branches of 

Citizens Bank, Slaton, Texas, as branches of 

HCSB, A State Banking Association, Plainview, 

Texas.

HCSB, A STATE BANKING 

ASSOCIATION

Newspaper:

Federal Register:

* 3A5 11/04/2012

10/19/2012

Henderson Citizens Bancshares, Inc., 

Henderson, Texas, to acquire by merger 100 

percent of First White Oak Bancshares, Inc., 

White Oak, Texas, and indirectly acquire White 

Oak State Bank, White Oak, Texas.

HENDERSON CITIZENS 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Treaty Oak Bank, Austin, Texas, to acquire 10/27/2012

through merger its affiliate Northstar Bank of 

Texas, Denton, Texas, pursuant to Section 18(c) 

of the Federal Deposit Insurance Act, and to 

establish branch offices at each of the present 

branch office locations of the target bank, and 

at its current head office location, pursuant to 

Section 9 of the Federal Reserve Act.

TREATY OAK 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 October 27, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bay Commercial Bank, Walnut Creek, California, 10/29/2012

to establish a branch office at 500 Ygnacio 

Valley Road, Suite 130, Walnut Creek, California.

BAY COMMERCIAL BANK

Newspaper:

Federal Register:

CIC Not available

10/30/2012

Notice by Thomas Galt Atwood, Glen Ellen, 

California, and Cypress Abbey Company, 

Colma, California, to retain 10 percent or more of 

the outstanding shares of capital stock of FNB 

Bancorp, and thereby indirectly retain 10 perent 

or more of the voting shares of First National 

Bank of Northern California, both of South San 

Francisco, California.

FNB BANCORP

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Pacific Premier Bank, Costa Mesa, California, 

proposes to acquire the assets and assume the 

liabilities of First Associations Bank, Dallas, 

Texas.

PACIFIC PREMIER 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