Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 17 

Week Ending April 23, 2011

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

Financial Literacy -- statement by Chairman Bernanke, submitted for the record of a 

hearing by a subcommittee of the Senate Committee on Homeland Security and 

Governmental Affairs on April 12, 2011, regarding the importance of financial 

literacy to a stable economy and the Federal Reserve's efforts to help Americans 

make informed financial decisions.

- Published, April 20, 2011

Regulations and Policies

Bankruptcy-Related Studies -- request for public information and comment on two 

studies that the Board is required to conduct, in consultation with the U.S. courts, on 

the resolution of financial companies under the bankruptcy code, in accordance with 

the Dodd-Frank Act.

- Approved, April 20, 2011

Regulation Z (Truth in Lending) -- publication for comment of proposed 

amendments to prohibit creditors from making mortgage loans without regard to the 

consumer's ability to repay and to implement limits on prepayment penalties, in 

accordance with the Dodd-Frank Act.

- Announced, April 19, 2011

Enforcement

Premier Bancorp, Inc., Wilmette, Illinois -- written agreement with the Federal 

Reserve Bank of Chicago.

- Announced, April 21, 2011

Syringa Bancorp, Boise, Idaho -- written agreement with the Federal Reserve Bank 

of San Francisco and the State of Idaho Department of Finance.

- Announced, April 21, 2011

H.2 Board Actions April 17, 2011 to April 23, 2011

(A/C) = Addition or Correction Board - Page 1 of 2
Enforcement

TransPecos Financial Corp., San Antonio, Texas, and TransPecos Banks, Pecos -- 

written agreement with the Federal Reserve Bank of Dallas and the Texas 

Commissioner of Banking.

- Announced, April 19, 2011

H.2 Board Actions April 17, 2011 to April 23, 2011

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSD Office of Staff Director

April 17, 2011 to April 23, 2011

Bank Holding Companies

Home Financial Bancorp, Spencer, Indiana -- to become a bank holding company 

and to acquire Owen Community Bank, s.b., Spencer, and to engage in insurance 

agency activities through OCB Insurance Agency, Inc.

Chicago

- Approved, April 22, 2011

Minier Financial, Inc. Employee Stock Ownership Plan w/401(k) Provisions, Minier, 

Illinois -- to increase its ownership of Minier Financial, Inc., Minier, and thereby 

increase its indirect ownership of First Farmers State Bank.

Chicago

- Approved, April 20, 2011

Change in Bank Control

BBJ Incorporated, Ord, Nebraska -- change in bank control of BBJ and its subsidiary 

bank, First National Bank in Ord, Ord.

Kansas City

- Permitted, April 21, 2011

North Alabama Bancshares, Inc., Hazel Green, Alabama -- change in bank control of 

North Alabama and its subsidiary bank, North Alabama Bank, Hazel Green.

Atlanta

- Permitted, April 22, 2011

(A/C) = Addition or Correction Delegated - 1 of 2
Extensions of Time

Frederick County Bank, Frederick, Maryland -- extension to April 23, 2011, to 

establish a branch at 103 Monocacy Boulevard, Frederick.

Richmond

- Granted, April 20, 2011

Prairieland Bancorp Employee Stock Ownership Plan and Trust, Bushnell, Illinois -- 

extension to July 7, 2011, to increase its ownership of Prairieland Bancorp, Inc., 

Bushnell, and thereby indirectly increase its ownership of Farmers and Merchants 

State Bank of Bushnell.

Chicago

- Granted, April 20, 2011

Silicon Valley Bank, Santa Clara, California -- extension to March 3, 2012, to 

establish a branch in London, United Kingdom.

San Francisco

- Granted, April 19, 2011

H.2 Actions under delegated authority April 17, 2011 to April 23, 2011

(A/C) = Addition or Correction Delegated - 2 of 2
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending April 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Application by Canton Co-operative Bank, 

Canton, Massachusetts, to become a member of 

the Federal Reserve System pursuant to section 

9 of the Federal Reserve Act and section 208.3 

of Regulation H.

CANTON CO-OPERATIVE BANK

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 Not available

Mechanics Bancorp, MHC and Mechanics 

Bancorp, Inc., both of Taunton, Massachusetts, 

to become a mutual bank holding company and 

a stock bank holding company, respectively, by 

acquiring Mechanics Co-operative Bank, 

Taunton, Massachusetts, pursuant to sections 

3(a)(1) and 3(a)(3) of the Bank Holding 

Company Act of 1956, as amended.

MECHANICS BANCORP, MHC

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

State Street Bank & Trust Company and State 

Street International Holdings (SSIH), both of 

Boston, Massachusetts, seek prior notice 

pursuant to section 211.9(f) of Regulation K to 

invest in certain subsidiaries of SSIH (including 

a new subsidiary to be formed in Australia) and 

to acquire the beneficial interest in two non-U.S. 

trusts, in excess of the aggregate investment 

limits.

STATE STREET BANK AND 

TRUST COMPANY

* 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 April 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 05/11/2011

05/12/2011

Application by China Investment Corporation 

and Central Huijin Investment Limited, both 

located in Beijing, China, for prior approval to 

indirectly acquire 80 percent of The Bank of 

East Asia (U.S.A.) National Association, New 

York, New York, pursuant to Section 3(a)(1) of 

the Bank Holding Company Act of 1956, as 

amended.

CHINA INVESTMENT 

CORPORATION

Newspaper:

Federal Register:

* 3A1 05/11/2011

05/12/2011

Application by Industrial and Commercial Bank 

of China Limited, Beijing, China, for prior 

approval to acquire 80 percent of The Bank of 

East Asia (U.S.A.) National Association, New 

York, New York, pursuant to Section 3(a)(1) of 

the Bank Holding Company Act of 1956, as 

amended.

INDUSTRIAL AND 

COMMERCIAL BANK OF CHINA 

LIMITED

* 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 April 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending April 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC

Not available

Notice of Change in Bank Control by Mark A. 05/13/2011

Snyder, Kittanning, Pennsylvania, to acquire up 

to 13.74% of the voting shares of NexTier,Inc., 

Butler, Pennsylvania

NEXTIER INCORPORATED

* 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 April 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 04/19/2011

04/21/2011

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 mutual state savings 

bank to a state-chartered stock commercial 

bank.

CARROLL BANCORP, INC.

Newspaper:

Federal Register:

4c8 Not applicable

05/09/2011

Piedmont Community Bank Holdings, Inc., 

Raleigh, North Carolina, to engage in lending 

and credit-related activities through its 

subsidiary, VantageSouth Holdings, LLC 

Raleigh, North Carolina.

PIEDMONT COMMUNITY BANK 

HOLDINGS, 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

 94522 BENCHMARK CMNTY BK, KENBRIDGE, VIRGINIA 12/06/2010 03/23/2011 S Int Sm Bank

 3058329 FREDERICK CTY BK, FREDERICK, MARYLAND 11/29/2010 03/15/2011 S Small Bank

 2607449 WACCAMAW BK, WHITEVILLE, NORTH CAROLINA 10/25/2010 03/28/2011 NI Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending April 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 04/27/2011

05/02/2011

Prior change in control notice filed by Phillip 

Frost, Miami Beach, Flroida, to acquire 

approximately 12.76 percent of the outstanding 

shares of voting securities of Coconut Grove 

Bankshares, Inc., and its subsidiary, Coconut 

Grove Bank, both of Miami, Florida. Total pro 

forma ownership will equal 20.44 percent.

COCONUT GROVE 

BANKSHARES, INC.

Newspaper:

Federal Register:

* 3A1 05/13/2011

05/19/2011

PB Bancshares, Inc., Employee Stock 

Ownership Plan, to become a bank holding 

company by retaining 27.34 percent of the 

outstanding shares of PB Bancshares, Inc., and 

its subsidiary bank, Peoples Bank, all of Clifton, 

Tennesse

PB BANCSHARES, INC.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 April 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

American State Bank, Osceola, Iowa, to 

purchase certain assets and assume the 

deposits of the Winterset branch office of 

Exchange State Bank, Adair, Iowa. American 

State Bank will thereby establish a branch office 

at 113 S. John Wayne Drive, Winterset, Iowa.

AMERICAN STATE BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Bank Midwest, Spirit Lake, Iowa, to merge with 

Farmers State Bank of Sherburn, Sherburn, 

Minnesota. As a result of the merger, Bank 

Midwest will establish a branch office at 33 

North Main Street, Sherburn, Minnesota.

BANK MIDWEST

* 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

 683449 MAQUOKETA ST BK, MAQUOKETA, IOWA 11/08/2010 04/18/2011 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 8

Federal Reserve Bank of St. Louis

Filings received during the week ending April 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

05/20/2011

Canton Bancshares, Inc., Hannibal, Missouri, to 

acquire 100 percent of Canton State Bank, 

Canton, Missouri.

CANTON BANCSHARES, 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

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 April 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

05/12/2011

Change in Control Notice by James Anton 

Senty, Onalaska, Wisconsin, to gain control of 

Northern Financial Corporation, Independence, 

Wisconsin, and thereby indirectly gain control 

of Independence State Bank, Independence, 

Wisconsin.

NORTHERN FINANCIAL 

CORPORATION

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 34153 AMERICAN BK, SAINT PAUL, MINNESOTA 12/06/2010 04/13/2011 S Int Sm Bank

 2999845 WESTERN SECURITY BK, BILLINGS, MONTANA 09/13/2010 04/12/2011 O Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending April 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

* 4c8 05/10/2011

BancFirst Corporation, Oklahoma City, 

Oklahoma, to acquire FBC Financial 

Corporation, parent of 1st Bank Oklahoma, both 

in Claremore, Oklahoma, and thereby engage in 

the operation of a savings association.

BANCFIRST CORPORATION

Newspaper:

Federal Register:

CIC 04/27/2011

04/28/2011

Notice submitted by the Mark T. Mowat, 

Omaha, Nebraska, as a member of a group 

acting in concert, to acquire control of Frontier 

Management, LLC, Omaha, Nebraska. Frontier 

Management, LLC is a bank holding company 

by virtue of its management agreement with and 

control of the affairs of Frontier Holdings, LLC, 

Omaha, Nebraska. Frontier Holdings, LLC 

controls Frontier Bank, Madison, Nebraska, 

Frontier Bank, Davenport, Nebraska, and Pender 

State Bank, Pender, Nebraska.

FRONTIER MANAGEMENT, LLC

Newspaper:

Federal Register:

CIC 04/20/2011

04/22/2011

Notification by Todd L. Sutherland, Lawrence, 

Kansas, individually and as trustee of the Todd 

L. Sutherland 2005 Revocable Trust, to acquire 

control of Lawrence Financial Corporation, 

parent of The University National Bank of 

Lawrence, both in Lawrence, Kansas.

LAWRENCE FINANCIAL 

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

 1014451 AMERICAN EXCH BK, ELMWOOD, NEBRASKA 12/13/2010 03/23/2011 S Small Bank

 21256 STATE BK OF BURRTON, BURRTON, KANSAS 01/18/2011 03/30/2011 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 April 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

05/11/2011

Jonathan Ross Kasling of Hughes Springs, 

Texas, Individually; Mayo Givens Kasling III of 

Hughes Springs, Texas, Individually; Jonathan 

Ross Kasling of Hughes Springs, Texas; Mayo 

Givens Kasling III of Hughes Springs, Texas; 

Mayo Givens Kasling, Jr. of Hughes Springs, 

Texas and Mayo Givens Kasling, Jr. as Trustee 

for the Mayo G. Kasling III 1996 Trust and as 

Trustee for the Jonathan Ross Kasling 1996 

Trust; Rebecca Lynn Kasling of Hughes 

Springs, Texas; Mayo Givens Kasling, Sr. of 

Hughes Springs, Texas; Catherine Denise 

Kasling DeWitt of Hughes Springs, Texas; 

Misty Morgan Lake of Hughes Springs, Texas; 

Randall Marc Morgan of Hughes Springs, 

Texas; Sarah Virginia Kasling Shelton of 

Hughes Springs, Texas and Sarah Virginia 

Kasling as Trustee for the Ricky Dub Shelton Jr. 

1996 Trust and as Trustee for the Shelby 

Shelton 1996 Trust and as Trustee for the 

Trenton Shelton 1996 Trust; Roy Kemp Kasling 

of Austin, Texas and Roy Kemp Kasling as 

Trustee for the Alexandra Kasling 1996 Trust 

and as Trustee for the Natalie Kasling 1996 

Trust; all as members of the Kasling Family 

Group, intend to apply to the Federal Reserve 

Board for permission to retain control of 25 

percent or more of the shares of Chalybeate 

Springs Corporation, Hughes Springs, Texas 

and thereby indirectly retain control of The First 

National Bank of Hughes Springs, Hughes 

Springs, Texas.

CHALYBEATE SPRINGS 

CORPORATION

* 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 April 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Bank of Taiwan, Taipei, Taiwan, to upgrade its 

New York Agency to a branch office pursuant 

to section 211.24(a)(2)(ii)(a) of Regulation K and 

seciton 7(d) of FBSEA.

BANK OF TAIWAN

Newspaper:

Federal Register:

CIC Not available

03/09/2011

Michael Fayne Rosinus, of Winnetka, Illinois, to 

acquire 0.11 percent of the voting shares of 

Cascade Bancorp, and thereby indirectly 

acquire voting shares of Bank of the Cascades, 

both of Bend, Oregon, and join with BOTC 

Holdings LLC with respect to its investment in 

Cascade Bancorp, resulting in a total collective 

acquisition of 24.46% of the voting shares of 

Cascade Bancorp.

CASCADE BANCORP

Newspaper:

Federal Register:

CIC Not available

04/28/2011

Interagency Notice of Change in Control by 

Wheatland Bank Employee Stock Ownership 

Plan, Spokane, Washington, and its trustees, 

Susan Marie Horton, Cheney, Washington; 

Dennis Dale Bly, Davenport, Washington; and 

Jayne Therese Deife, Marlin, Washington, for 

approval to retain 23.71 percent of the 

outstanding voting shares of Community 

Financial Group, Inc. and thereby indirectly 

Wheatland Bank, both of Spokane, 

Washington.

COMMUNITY FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

CIC Not available

04/28/2011

Interagency Notice of Change in Control by 

Susan Marie Horton, Cheney, Washington; 

Raymond Lee Pittman, Jr., Mesa, Arizona; Rosa 

Maria Pittman, Spokane, Washington; Ted 

Davis Rhodes, Spokane Valley, Washington; 

and Wheatland Bank Employee Stock 

Ownership Plan, Spokane, Washington, 

together a group acting in concert for approval 

to retain 22.13 percent of the outstanding shares 

of Community Financial Group, Inc. and thereby 

indirectly control Wheatland Bank, both of 

Spokane, Washington.

COMMUNITY FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Noticce of Change in Control by 

Castle Creek Capital IV, Castle Creek Advisors 

IV, LLC, Castle Creek Capital Partners IV, LP, 

John Eggemeyer, William Ruh, Mark Merlo, and 

Joseph Misesell Thomas, all of Rancho Santa 

Fe, California, to acquire up to 24.9 percent of 

Intermountain Community Bancorp, and thereby 

indirectly Panhandle State Bank, both of 

Sandpoint, Idaho.

INTERMOUNTAIN 

COMMUNITY BANCORP

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Noticce of Change in Control by 

Stadium Capital Partners, L.P., Stadium Capital 

Qualified Partners, L.P., Stadium Capital 

Management LLC, and John Welborn, all of 

Bend, Oregon, to acquire up to 24.9 percent of 

Intermountain Community Bancorp, and thereby 

indirectly Panhandle State Bank, both of 

Sandpoint, Idaho.

INTERMOUNTAIN 

COMMUNITY BANCORP

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

Federal Reserve Bank of San Francisco

Filings received during the week ending April 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

04/25/2011

Mitsubishi UFJ Financial Group, Inc., Tokyo, 

Japan, to acquire up to 24.9 percent of Morgan 

Stanley, New York, New York, and indirectly its 

subsidiaries, Morgan Stanley Capital 

Management LLC, New York, New York, 

Morgan Stanley Domestic Holdings, Inc., New 

York, New York, Morgan Stanley Bank, National 

Association, Salt Lake City, Utah, and Morgan 

Stanley Private Bank, National Association, 

Purchase, New York, pursuant to section 3(a)(3) 

of the Bank Holding Company Act.

MITSUBISHI UFJ FINANCIAL 

GROUP, INC.

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 2714217 BANK OF SACRAMENTO, SACRAMENTO, CALIFORNIA 12/06/2010 03/25/2011 O Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act