Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 3 

Week Ending January 15, 2011

Board of Governors of the Federal Reserve System, Washington, DC 20551
Advisory Councils

Consumer Advisory Council -- appointment of 10 new members and designation of 

Jim Park as chair and Mary Tingerthal as vice chair for 2011.

- Announced, January 10, 2011

H.2 Board Actions January 9, 2011 to January 15, 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 Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSD Office of Staff Director

January 9, 2011 to January 15, 2011

Bank Branches, Domestic

Compass Bank, Birmingham, Alabama -- to establish branches at 3045 East Riggs 

Road, Chandler, Arizona, and 10923 East Baseline Road, Mesa (two applications).

Atlanta

- Approved, January 14, 2011

First Bank & Trust, Evanston, Illinois -- to establish a branch at 4007 Dempster 

Street, Skokie.

Chicago

- Approved, January 14, 2011

IBERIABANK, Lafayette, Louisiana -- to establish a branch at 1101 North Congress 

Avenue, Boynton Beach, Florida.

Atlanta

- Approved, January 12, 2011

Susquehanna Bank, Lititz, Pennsylvania -- to establish a branch at 203 International 

Drive, Hunt Valley, Maryland.

Philadelphia

- Approved, January 10, 2011

Union First Market Bank, Richmond, Virginia -- to establish a branch at 

1044 Warrenton Road, Stafford.

Richmond

- Approved, January 13, 2011

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

Carlile Bancshares, Inc., Fort Worth, Texas -- to acquire Community State Bank, 

Austin.

Dallas

- Approved, January 12, 2011

Carlile Bancshares, Inc., Fort Worth, Texas -- to become a bank holding company 

and to acquire Treaty Oak Bank, Austin.

Dallas

- Approved, January 12, 2011

Cendera Holdings, Inc., Fort Worth, Texas -- to become a bank holding company and 

to acquire First Bells Bankshares, Inc., Bells, and indirectly acquire The First 

National Bank of Bells/Savoy, and to engage in extending credit and servicing loans 

through Cendera Funding, Inc., Fort Worth.

Dallas

- Withdrawn, January 11, 2011

Exchange Bancorp of Missouri, Inc., Fayette, Missouri -- to become a bank holding 

company and to acquire Exchange Bank of Missouri, Fayette.

Kansas City

- Approved, January 14, 2011

Metropolitan Bank Group, Inc., Chicago, Illinois -- waiver of application to merge 

with NC Bancorp, Inc., Chicago, in connection with the merger of their respective 

subsidiary banks, North Community Bank, Chicago, and Edens Bank, Wilmette.

Chicago

- Withdrawn, December 27, 2010

(A/C)

H.2 Actions under delegated authority January 9, 2011 to January 15, 2011

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

North American Financial Holdings, Inc., Charlotte, North Carolina -- to acquire 

shares of Capital Bank Corporation, Raleigh, and Capital Bank.

Atlanta

- Approved, January 13, 2011

Northern Missouri Bancshares, Inc., Unionville, Missouri -- to acquire shares of 

Exchange Bancorp of Missouri, Inc., Fayette, and Exchange Bank of Missouri.

Kansas City

- Approved, January 14, 2011

Change in Bank Control

First Community Bancshares, Inc., Batesville, Arkansas -- change in bank control of 

First Community and its subsidiary bank, First Community Bank of Batesville, 

Batesville.

St. Louis

- Permitted, January 14, 2011

Mission Valley Bancorp, Sun Valley, California -- change in bank control of Mission 

Valley and its subsidiary bank, Mission Valley Bank, Sun Valley.

San Francisco

- Permitted, January 14, 2011

Northern Missouri Bancshares, Inc., Unionville, Missouri -- to retain control of 

Northern Missouri and its subsidiary bank, Farmers Bank of Northern Missouri, 

National Association, Unionville.

Kansas City

- Permitted, January 14, 2011

H.2 Actions under delegated authority January 9, 2011 to January 15, 2011

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

CapGen Capital Group IV LLC, New York, New York, and CapGen Capital Group 

IV LP -- extension to April 14, 2011, to become bank holding companies and to 

acquire shares of Jacksonville Bancorp, Jacksonville, Florida, and indirectly acquire 

The Jacksonville Bank.

Richmond

- Granted, January 13, 2011

International Operations

JPMorgan Chase & Co., New York, New York -- waiver of remainder of 

prior-notification period for JPMorgan Chase and certain subsidiaries to invest in 

J.P. Morgan Capital Holdings Limited, J.P. Morgan Chase (UK) Holdings Limited, 

J.P. Morgan Chase International Holdings, and J.P. Morgan Chase Securities Ltd., all 

of London, United Kingdom, and modification of the aggregate investment limit of 

Regulation K.

Director, BS&R

- Granted, December 23, 2010

(A/C)

H.2 Actions under delegated authority January 9, 2011 to January 15, 2011

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

Federal Reserve Bank of Boston

Filings received during the week ending January 15, 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 January 15, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

* 3A5

12/01/2010

12/03/2010

First Niagara Financial Group, Inc., Buffalo, New 

York ("FNFG"), to acquire all of the shares of 

NewAlliance Bancshares, Inc., New Haven, 

Connecticut ("NAB, Inc.") and thereby NAB, 

Inc.'s subsidiary, NewAlliance Bank, New 

Haven Connecticut, and subsequently merge 

NAB, Inc. with and into FNFG.

FIRST NIAGARA FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

* 3A3

4c8

* 18C

* Branch

* 4c8

12/25/2010

02/08/2011

M&T Bank Corporation, Buffalo, New York, to 

acquire Wilmington Trust Corporation and 

thereby indirectly acquire Wilmington Trust 

Company, both of Wilmington, Delaware; and 

thereby indirectly to acquire Wilmington Trust 

FSB, Baltimore, Maryland, and other 

non-banking subsidiaries of Wilmington Trust 

Corporation and thereby operate a savings 

association and engage in other non-banking 

activities. Manufacturers and Traders Trust 

Company, Buffalo, New York, to purchase 

certain assets and assume certain liabilities of 

Wilmington Trust Company and Wilmington 

Trust FSB.

M&T BANK CORPORATION

* 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 January 15, 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

 2580243 AMERICAN BK, ALLENTOWN, PENNSYLVANIA 08/02/2010 01/05/2011 S Large Bank

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 January 15, 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 January 15, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/21/2011

Notice by Mr. Mehrdad Elie of Redwood City, 

California, to acquire up to 31% of the voting 

securities of HarVest BanCorp, Inc., 

Gaithersburg, Maryland, and indirectly acquire 

shares of HarVest Bank of Maryland, Rockville, 

Maryland.

HARVEST BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Sonabank,McLean, Virginia, to establish a 01/25/2011

branch at 10 West Washington Street, 

Middleburg, Virginia.

SONABANK

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Union First Market Bank, Richmond, Virginia, to 02/12/2011

acquire certain assets and assume certain 

liabilities of the Harrisonburg, Virginia, branch 

office of NewBridge Bank, Greensboro, North 

Carolina.

UNION FIRST MARKET BANK

* 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

 790721 EVB, TAPPAHANNOCK, VIRGINIA 09/13/2010 01/10/2011 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending January 15, 2011

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

 2860440 1ST UNITED BK, BOCA RATON, FLORIDA 07/26/2010 11/15/2010 S Small Bank

 581237 FIRST NAVY BK, PENSACOLA, FLORIDA 02/25/2008 12/27/2010 NI Small Bank

 318835 PILOT BK, TAMPA, FLORIDA 01/25/2010 08/05/2010 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending January 15, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Bank Iowa, Clarinda, Iowa, to merge with sister 

banks: Bank Iowa, Altoona, Iowa; Bank Iowa, 

Denison, Iowa; Bank Iowa, Humboldt, Iowa; 

Bank Iowa, New Hampton, Iowa; Bank Iowa, 

Oskaloosa, Iowa; Bank Iowa, Red Oak, Iowa. 

As a result of these mergers, all offices will 

become offices of Bank Iowa, Clarinda, Iowa.

BANK IOWA

Newspaper:

Federal Register:

CIC Not available

08/23/2010

Notice by Betty J. Bradshaw 2000 Irrevocable 

Trust dated 10/30/00-Charles M. Shea, Trustee, 

to acquire shares of First Community 

Bancshares Corp., Anamosa, Iowa, and thereby 

indirectly acquire shares of First Community 

Bank, Milton, Wisconsin.

FIRST COMMUNITY 

BANCSHARES CORP.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Village Bank and Trust Company, Arlington 

Heights, Illinois, to purchase certain assets and 

assume certain liabilities of a branch located in 

320 East Northwest Highway, Mount Prospect, 

Illinois, from Northbrook Bank & Trust 

Company, Northbrook, Illinois, and thereby to 

establish a branch at the same location.

VILLAGE BANK & TRUST

* 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 January 15, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 02/02/2011

02/01/2011

Notice by the Coffey Family control group, 

Hickman, Kentucky, to retain control of Citizens 

Bancorp of Hickman, Inc., Hickman, Kentucky. 

The Coffey Family control group consists of 

Avery Coffey, Carla Coffey, Briley N. Coffey, 

James Coffey, Harold P. Coffey, Jr., Jill Coffey, 

Brooke Coffey, James Benjamin Coffey, Jentrie 

Coffey, Sue Werner, all of Hickman, Kentucky; 

and Patsy Campbell, Fulton, Kentucky.

CITIZENS BANCORP OF 

HICKMAN, INC.

* 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

 704755 PROVIDENCE BK, COLUMBIA, MISSOURI 09/20/2010 12/31/2010 O Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending January 15, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/21/2011

Retroactive notice by Russell James Gesell, 

Saint Paul, Minnesota, individually, and as 

co-trustee of the Charles R. Gesell Irrevocable 

Trust, Saint Paul, Minnesota, and the Peter J. 

Gesell Irrevocable Trust, Saint Paul, Minnesota, 

to retain 25 percent or more of the shares of 

Cherokee Bancshares, Inc., Saint Paul, 

Minnesota, and thereby indirectly retain control 

of BankCherokee, Saint Paul, Minnesota. In 

addition, retroactive notice by Rene J. Gesell, 

Saint Paul, Minnesota, individually, and as 

co-trustee of the Charles R. Gesell Irrevocable 

Trust, Saint Paul, Minnesota, and the Peter J. 

Gesell Irrevocable Trust, Saint Paul, Minnesota, 

and these two trusts, to retain shares of 

Cherokee Bancshares, Inc., Saint Paul, 

Minnesota, and thus join the Gesell Family 

Group, which controls 25% or more of Cherokee 

Bancshares, Inc., Saint Paul, Minnesota, and 

thereby indirectly controls BankCherokee, Saint 

Paul, Minnesota.

CHEROKEE BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 01/02/2011

01/04/2011

Notice by Karl J. Breyer, Minneapolis, 

Minnesota, to acquire 10 percent or more of the 

shares of First Advantage Bancshares, Inc., 

Coon Rapids, Minnesota, and thereby indirectly 

gain control of First Advantage Bank, Coon 

Rapids, Minnesota. In addition, notice by 

Richard M. Ihrig, and Colleen J. Cooper, both of 

Minneapolis, Minnesota, to jointly acquire 10 

percent or more of the shares of First 

Advantage Bancshares, Inc., Coon Rapids, 

Minnesota, and thereby indirectly gain control 

of First Advantage Bank, Coon Rapids, 

Minnesota.

FIRST ADVANTAGE 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

02/03/2011

Change in Control Notice by Gregory R. Raymo, 

Worthington, Minnesota, individually and as a 

proposed Co-Trustee of the First State Bank 

Southwest 2010 Amended and Restated KSOP 

Plan and trust, to acquire 25 percent or more of 

the shares of First Rushmore Bancorporation, 

Inc., Worthington, Minnesota, and thereby 

indirectly gain control of First State Bank 

Southwest, Pipestone, Minnesota.

FIRST STATE BANK 

SOUTHWEST 2002 AMENDED 

AND RESTATED KSOP PLAN 

AND TRUST

Newspaper:

Federal Register:

CIC 01/26/2011

01/20/2011

Change in control notice by Richard M. Connor, 

Jr., Laona, Wisconsin, to acquire and retain 25 

percent or more of the shares of Northern 

Wisconsin Bank Holding Company, Inc., Laona, 

Wisconsin, and thereby indirectly acquire and 

retain control of Laona State Bank, Laona, 

Wisconsin.

NORTHERN WISCONSIN BANK 

HOLDING COMPANY, INC.

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending January 15, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/01/2011

Notice by Noah W. Wilcox, as an individual and 

as trustee of the Noah W. Wilcox Trust, Grand 

Rapids, Minnesota, to acquire 25 % or more of 

the shares of Wilcox Bancshares, Grand Rapids, 

Minnesota, and thereby indirectly control Grand 

Rapids State Bank, Grand Rapids, Minnesota. 

Additionally, the Noah W. Wilcox trust will 

acquire 10 % or more of Wilcox Bancshares, and 

thus join the Wilcox Family Group, and thereby 

indirectly control Grand Rapids State Bank, 

Grand Rapids, Minnesota.

WILCOX BANCSHARES, 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

 258351 PENINSULA BK, ISHPEMING, MICHIGAN 09/13/2010 01/10/2011 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 10

Federal Reserve Bank of Kansas City

Filings received during the week ending January 15, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Five Points Bank, Grand Island, Nebraska, to 

purchase certain assets and assume certain 

liabilities of the LaVista, Nebraska branch of 

First State Bank, Gothenberg, Nebraska.

FIVE POINTS BANK

Newspaper:

Federal Register:

CIC Not available

01/03/2011

Notice submitted by Jeffrey J. Heiman and Jerod 

J. Heiman, both of Wichita, Kansas, to retain 

control of Norcon Financial Corp., parent of 

Conway Bank, National Association, both in 

Conway Springs, Kansas.

NORCON FINANCIAL CORP.

* 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

 7456 BANK OF HARTINGTON, HARTINGTON, NEBRASKA 10/25/2010 01/07/2011 S Small Bank

 782650 CITIZENS ST BK OF CORTEZ, CORTEZ, COLORADO 10/04/2010 01/05/2011 S Small Bank

 686459 EXCHANGE BK OF MO, FAYETTE, MISSOURI 10/04/2010 01/04/2011 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending January 15, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Austin County Bancshares, Inc., Bellville, 

Texas, to become a holding company by 

acquiring 100 percent of Austin County State 

Bank, Bellville, Texas.

AUSTIN COUNTY 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 Not available

02/07/2011

Sulphur Springs Bancshares, Inc., Sulphur 

Springs, Texas, to acquire by merger 100 percent 

of First Mineola, Inc., and indirectly acquire The 

First National Bank of Mineola, both of 

Mineola, Texas.

SULPHUR SPRINGS 

BANCSHARES, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 1447639 BANK OF THE WEST, EL PASO, TEXAS 07/12/2010 01/31/2011 O Large Bank

 946461 FIRST BK, MULESHOE, TEXAS 10/05/2009 01/03/2011 S Small Bank

 913267 LEGACYTEXAS BK, PLANO, TEXAS 09/14/2009 08/16/2010 S Large Bank

 726953 UNITED TX BK, DALLAS, TEXAS 02/22/2010 12/27/2010 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending January 15, 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

12/17/2010

1)LG C-Co, LLC, Green Equity Investors V, L.P., 

Leonard Green & Partners, L.P., Green Equity 

Investors Side V, L.P., GEI V Offshore Investors, 

L.P., GEI V Special Investors, L.P., Green V 

Holdings, LLC, GEI Capital V, LLC, and LGP 

Management, Inc., all of Los Angeles, 

California, John G. Danhakl, Pacific Palisades, 

California, Peter J. Nolan, Manhattan Beach, 

California; and Jonathan D. Sokoloff, Los 

Angeles, California, to acquire 10 percent or 

more of Cascade Bancorp, and thereby 

indirectly acquire control of Bank of the 

Cascades, both of Bend, Oregon; and 2) 

Cascade Bancorp, Bend, Oregon, to appoint 

Michael John Connolly as a Director.

CASCADE BANCORP

Newspaper:

Federal Register:

CIC Not available

12/17/2010

1) WLR CB AcquisitionCo LLC, WL Ross & Co. 

LLC, WLR Recovery Fund IV, L.P., WLR IV 

Parallel ESC, L.P. IV, Invesco North America 

Holdings, Inc., Invesco WLR IV Associates 

LLC, WLR Recovery Associates IV LLC, WL 

Ross Group L.P., El Vedado LLC, all of New 

York, New York, Wilbur L. Ross, Jr., Palm Beach, 

Florida, Invesco Ltd., Invesco Group Services, 

IVZ, Inc., Invesco Group Services, Inc., Invesco 

Advisers, Inc., Invesco Private Capital, Inc.,all 

of Atlanta, Georgia, Invesco Holding Company 

Limited, London, United Kingdom, and Invesco 

AIM Management Group, Inc., Houston, Texas, 

to acquire 10 percent or more of Cascade 

Bancorp, and thereby indirectly acquire control 

of Bank of the Cascades, both of Bend, Oregon; 

and 2) Cascade Bancorp, Bend, Oregon, to 

appoint James Bicknell Lockhart III as a 

Director.

CASCADE BANCORP

Newspaper:

Federal Register:

CIC Not available

12/20/2010

1) BOTC Holdings LLC and persons that are 

acting with or control BOTC Holdings LLC 

(Lightyear Fund II, L.P., Lightyear Co-Invest 

Partnership II, L.P., Lightyear Fund II GP, L.P., 

Lightyear Fund II GP Holdings, LLC, Marron & 

Associates, LLC, Chestnut Venture Holdings, 

LLC, Lightyear Capital II, LLC, Lightyear Capital 

LLC and Donald B. Marron), all of New York, 

New York, to acquire 24.35 percent of Cascade 

Bancorp, and thereby indirectly acquire control 

of The Bank of the Cascades, both of Bend, 

Oregon and 2) Cascade Bancorp to appoint 

Chris C. Casciato as a Director.

CASCADE BANCORP

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

Federal Reserve Bank of San Francisco

Filings received during the week ending January 15, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

12/17/2010

1) ACMO-CPF, L.L.C., New York, New York, and 

persons that are acting with or control 

ACMO-CPF, L.L.C. (Anchorage Capital Master 

Offshore, Ltd., ACPO Master, L.P., Anchorage 

Capital Partners Offshore, Ltd., ACPO Master, 

Ltd., all of Grand Cayman, Cayman Islands; 

Anchorage Capital Partners, L.P., Anchorage 

Capital Group, L.L.C. (f/k/a Anchorage 

Advisors, L.L.C.), Anchorage Capital, L.L.C. 

(f/k/a Anchorage Capital Group, L.L.C.), 

Anchorage Capital Management, L.L.C., 

Anchorage Advisors Management, L.L.C., all of 

Wilmington, Delaware; and Kevin Ulrich and 

Anthony Davis, both of New York, New York, 

to acquire up to 24.9 percent of Central Pacific 

Financial Corp., Honolulu, Hawaii, and thereby 

indirectly acquire control of Bancorp's 

subsidiary, Central Pacific Bank, Honolulu, 

Hawaii; and Central Pacific Corp, Honolulu, 

Hawaii, to appoint Alvaro Jose Aguirre as a 

Director.

CENTRAL PACIFIC FINANCIAL 

CORP.

* 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

 657365 HANMI BK, LOS ANGELES, CALIFORNIA 09/13/2010 12/27/2010 S Large Bank

 3716852 MARLIN BUS BK, SALT LAKE CITY, UTAH 07/19/2010 12/28/2010 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act