Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 19 

Week Ending May 11, 2013

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

Sumitomo Mitsui Financial Group, Inc., Tokyo, Japan, and Sumitomo Mitsui 

Banking Corporation -- elections to become financial holding companies.

- Effective, May 6, 2013

Enforcement

Greer Bancshares Incorporated, Greer, South Carolina -- written agreement dated 

July 7, 2011, terminated May 3, 2013.

- Announced, May 7, 2013

H.2 Board Actions May 5, 2013 to May 11, 2013

(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

May 5, 2013 to May 11, 2013

MA Monetary Affairs

Bank Branches, Domestic

Adirondack Bank, Utica, New York -- to establish a branch at 808 Main Street, 

Sylvan Beach.

New York

- Approved, May 8, 2013

East West Bank, Pasadena, California -- to establish a branch at 4711 Spring 

Mountain Road, Las Vegas, Nevada.

San Francisco

- Approved, May 9, 2013

First Southern Bank, Boca Raton, Florida -- to establish a branch at 901 East Las 

Olas, Fort Lauderdale.

Atlanta

- Approved, May 8, 2013

Frost Bank, San Antonio, Texas -- to establish a branch at 9300 Kirby Drive, 

Houston.

Dallas

- Withdrawn, May 6, 2013

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

Bond Street Management, LLC, Fort Lauderdale, Florida; Bond Street Investors, 

LLC; and Bond Street Holdings, Inc. -- to acquire Atlantic Coast Financial 

Corporation, Jacksonville, and Atlantic Coast Bank, FSB, and thereby engage in 

operating a savings association.

Atlanta

- Approved, May 10, 2013

Bond Street Management, LLC, Fort Lauderdale, Florida; Bond Street Investors, 

LLC; and Bond Street Holdings, Inc. -- to acquire Atlantic Coast Bank, N.A., 

Waycross, Georgia, on its conversion from a federal savings bank to a national bank.

Atlanta

- Approved, May 10, 2013

PacWest Bancorp, Los Angeles, California; CapGen Capital Group II, LLC, New 

York, New York; and CapGen Capital Group II, LP -- waiver of application to 

acquire First California Financial Group, Westlake Village, California, in connection 

with the merger of their respective subsidiaries, Pacific Western Bank, Los Angeles, 

and First California Bank, Westlake Village.

San Francisco

- Granted, May 10, 2013

Security Bancshares Corporation, Wewoka, Oklahoma, and Security State Bank of 

Wewoka, Oklahoma -- waiver of applications to acquire The First State Bank, 

Fairfax, in connection with its merger with and into Bancshares's subsidiary, Security 

State Bank of Wewoka.

Kansas City

- Granted, May 10, 2013

H.2 Actions under delegated authority May 5, 2013 to May 11, 2013

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

Central State Bank, Muscatine, Iowa -- to merge with West Chester Savings Bank, 

Washington, and Freedom Security Bank, Coralville, and thereby establish branches.

Chicago

- Approved, May 10, 2013

Change in Bank Control

Central Trust Company, Edina, Minnesota -- to retain control of Central Trust 

Company and its subsidiaries, CenBank, Buffalo Lake; Grand Marais State Bank, 

Grand Marais; and Central Bank and Trust, Lander, Wyoming.

Minneapolis

- Permitted, May 10, 2013

Fort Ridgely National Bancorporation, Inc., Fairfax, Minnesota -- to retain control of 

Fort Ridgely National Bancorporation and its subsidiary, First National Bank of 

Fairfax, Fairfax.

Minneapolis

- Permitted, May 7, 2013

Hazard Bancorp, Hazard, Kentucky -- change in bank control of Hazard Bancorp and 

its subsidiary, Peoples Bank and Trust Company, Hazard.

Cleveland

- Permitted, May 9, 2013

John R Turner Holding Company, Jackson, Kentucky -- change in bank control of 

John R Turner Holding Company and its subsidiaries, Citizens Bank and Trust, 

Jackson, and Farmers Deposit Bank, Middleburg.

Cleveland

- Permitted, May 9, 2013

H.2 Actions under delegated authority May 5, 2013 to May 11, 2013

(A/C) = Addition or Correction Delegated - 3 of 5
Change in Bank Control

Leackco Bank Holding Company, Inc., Wolsey, South Dakota -- change in bank 

control of Leackco Bank Holding Company and its subsidiaries, American 

Bank & Trust, Wessington Springs, and American State Bank of Pierre, Pierre.

Minneapolis

- Permitted, May 9, 2013

Madison Financial Corporation, Richmond, Kentucky -- change in bank control of 

Madison Financial Corporation and its subsidiary, Madison Bank, Richmond.

Cleveland

- Withdrawn, May 9, 2013

Extensions of Time

Cabool State Bank Employee Stock Ownership Plan, Cabool, Missouri -- extension 

to August 22, 2013, to acquire shares of Cabool Bancshares, Inc., Cabool, and 

thereby increase its indirect control of Cabool State Bank.

St. Louis

- Granted, May 9, 2013

General Electric Capital Corporation, Norwalk, Connecticut -- extension of time to 

meet certain regulatory reporting requirements.

Director, BS&R

- Granted, May 8, 2013

H&R Block, Inc., Kansas City, Missouri -- extension of time to meet certain 

regulatory reporting requirements.

Director, BS&R

- Granted, May 8, 2013

H.2 Actions under delegated authority May 5, 2013 to May 11, 2013

(A/C) = Addition or Correction Delegated - 4 of 5
Extensions of Time

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

Newport, Arkansas -- extension to August 22, 2013, to acquire additional shares of 

M&P Community Bancshares, Inc., Newport.

St. Louis

- Granted, May 10, 2013

Old Line Bancshares, Inc., Bowie, Maryland -- extension to August 6, 2013, to 

acquire WSB Holdings, Inc., Bowie, and thereby acquire Washington Savings Bank, 

F.S.B.

Richmond

- Granted, May 6, 2013

H.2 Actions under delegated authority May 5, 2013 to May 11, 2013

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

Federal Reserve Bank of Boston

Filings received during the week ending May 11, 2013

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 May 11, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citibank N.A. Sioux Falls, South Dakota and 

Citibank Overseas Investment Corporation, New 

Castle, Delaware, pursuant to Section 211.9(f) of 

Regulation K, to make an investment in Canada 

Square Operations Ltd., Derby, England.

CITIBANK, N.A.

Newspaper:

Federal Register:

* 3A1 Not available

06/07/2013

Provident New York Bancorp, Inc., Montebello, 

New York ("Provident") to become a bank 

holding company upon the acquisition and 

merger of Sterling Bancorp, New York, New 

York, with and into Provident, and thereby 

indirectly acquire its subsidiary bank, Sterling 

National Bank, New York, New York. Provident 

intends to convert its subsidiary savings 

association, Provident Bank, Montebello, New 

York, into a national bank and merge Sterling 

National Bank into Provident Bank.

PROVIDENT NEW YORK 

BANCORP, INC.

* 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 May 11, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 05/27/2013

05/20/2013

Gregory M. Shepard, Bradenton, FL, to acquire 

up to 24.38 percent of Donegal Group Inc., 

Marietta, PA.

DONEGAL GROUP, INC

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Merchants Bank, Bangor, PA, request approval 

to establish a branch office located at 2 West 

Broad Street, Bethlehem, PA, therefore 

exceeding the 150% threshold investment in 

their bank premises.

MERCHANTS BANK OF 

BANGOR

* 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 May 11, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 05/18/2013

branch at 18100 Meyers Road, Detroit, MI.

FIFTH THIRD BANK

* 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 May 11, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch

* 18C

Not applicable

Bank of Stanly, Albemarle, North Carolina, to 06/02/2013

merge with Anson Bank & Trust Co., 

Wadesboro, North Carolina, and Cabarrus Bank 

& Trust Company, Concord, North Carolina.

BANK OF STANLY

Newspaper:

Federal Register:

* Branch

Not applicable

Essex Bank, Tappahannock, Virginia, to 05/16/2013

establish a branch location at 1835 West Street, 

Annapolis, Maryland.

ESSEX BANK

Newspaper:

Federal Register:

* 3A5 Not available

4c8 06/10/2013

SCBT Financial Corporation, Columbia, South 

Carolina, to acquire 100% of the voting 

securities of First Financial Holdings, Inc., 

Charleston, South Carolina, and thereby 

indirectly acquire First Federal Bank, 

Charleston, South Carolina.

SCBT FINANCIAL 

CORPORATION

* 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 May 11, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 05/13/2013

05/17/2013

CedarStone Financial, Inc., to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of CedarStone Bank, 

both of Lebanon, Tennessee.

CEDARSTONE FINANCIAL, INC.

Newspaper:

Federal Register:

CIC 04/04/2013

04/04/2013

Prior change in control notice filed by William 

Henry Carr, Enterprise, Alabama, and Jerry 

Newman Carr, Cornelius, North Carolina, to 

acquire 31.12 percent of the outstanding shares 

of Enterprise Capital Corporation, Inc., and its 

subsidiary bank, The Citizens Bank, both of 

Enterprise, Alabama.

ENTERPRISE CAPITAL 

CORPORATION, INC.

Newspaper:

Federal Register:

* 4c8 Not available

Not available

HCBF Holding Company, Inc., Palm City, 

Florida, to acquire BSA Financial Services, Inc., 

and its subsidiary, Bank of St. Augustine, both 

of St. Augustine, Florida, and thereby engage in 

operating a savings association, pursuant to 

section 225.28(b)(4)(ii) of Regulation Y and 

section 4(c)(8) of the Bank Holding Company 

Act.

HCBF HOLDING COMPANY, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Progress Financial Corporation, notice to 

become a bank holding company by acquiring 

100 percent of the outstanding shares of 

Progress Bank and Trust, both of Huntsville, 

Alabama.

PROGRESS 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 May 11, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

PWI Not applicable

Not applicable

Chemical Bank, Midland, Michigan, to make a 

public welfare investment in Grow Michigan 

LLC.

CHEMICAL FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC 04/30/2013

05/07/2013

Notice by Daniel Kumley, Mount Vernon, Iowa, 

Matthew Kumley, Monticello, Iowa, and Sarah 

Jones, Dyer, Indiana, to join the Audrey G. 

Savage Family Control group and thereby gain 

control of Herky Hawk Financial Corp., 

Monticello, Iowa and thereby indirectly control 

Citizens State Bank, Monticello, Iowa.

HERKY HAWK FINANCIAL 

CORP.,

Newspaper:

Federal Register:

CIC 05/17/2013

05/14/2013

Notice filed by John D. Crouch, Fox Point, 

Wisconsin, to join the existing Lubar Family 

Control Group and retain voting shares of Ixonia 

Bancshares, Inc., Ixonia, Wisconsin, and 

thereby indirectly retain shares of Ixonia Bank, 

Ixonia, Wisconsin.

IXONIA BANCSHARES, INC.

* 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 May 11, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Midland States Bank, Effingham, Illinois, to 05/24/2013

establish a branch facility to be located at 38 

West Countryside Parkway, Yorkville, Illinois.

MIDLAND STATES BANK

Newspaper:

Federal Register:

* 3A1 06/03/2013

06/07/2013

Wildcat Bancshares, Inc., Rogersville, Missouri 

to acquire 100 percent of the CBR Bancshares, 

Corporation, Rogersville, Missouri, and thereby 

indirectly acquiring Citizens Bank of 

Rogersville, Rogersville, Missouri.

WILDCAT 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 May 11, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 05/24/2013

05/15/2013

Change in Control notice by Connie Jean 

Lonneman, Adrian, Minnesota, individually and 

as proposed co-trustee to acquire control of the 

First State Bank Southwest 2010 Amended and 

Restated KSOP Plan and Trust, and thereby 

acquire 25 percent or more of the shares of First 

Rushmore Bancorporation, Inc., Worthington, 

Minnesota, which controls First State Bank 

Southwest, Pipestone, Minnesota.

FIRST STATE BANK 

SOUTHWEST 2010 AMENDED 

AND RESTATED KSOP PLAN 

AND TRUST

Newspaper:

Federal Register:

* Branch

Not applicable

First Western Bank & Trust, Minot, North 05/18/2013

Dakota, to establish a branch facility to be 

located at 2105 16th Street Northwest, Minot, 

North Dakota.

FIRST WESTERN BANK AND 

TRUST

Newspaper:

Federal Register:

* 3A1 05/31/2013

06/03/2013

Lake Shore III Corporation, Glenwood City, 

Wisconsin, to become a bank holding company 

by acquiring 100 percent of Hiawatha National 

Bank, Hager City, Wisconsin.

LAKE SHORE III CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Security Financial Bank, Durand, Wisconsin, to 05/15/2013

establish a branch facility to be located at 4217 

Southtowne Drive, Eau Claire, Wisconsin.

SECURITY FINANCIAL BANK

* 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 May 11, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Adams Bank and Trust, Ogallala, Nebraska, to 05/24/2013

establish a branch at 370 North Franklin 

Avenue, Colby, Kansas.

ADAMS BANK & TRUST

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Alterra Bank, Overland Park, Kansas, to 

establish a branch at 11120 West 135th Street, 

Overland Park, Kansas.

ALTERRA BANK

Newspaper:

Federal Register:

CIC 05/22/2013

05/21/2013

Aaron W. Anderson, Topeka, Kansas, Angela 

Anderson Swift, Overland Park, Kansas, Emery 

Kent Fager, Olathe, Kansas, John Fontron 

Fager, Auburn, Kansas, and Melissa Fager 

Hiestand, Topeka, Kansas, in their individual 

capacities, as fiduciaries and/or as grantors or 

trustees of the following trusts: Aaron W. 

Anderson Trust, Angela Anderson Swift Trust, 

Emery Kent Fager Trust, John Fontron Fager 

Trust, Melissa Fager Hiestand Trust, Adam 

William Anderson Trust, Joshua Robert 

Anderson Trust, Sydney Ellen Anderson Trust, 

Andrew Timothy Swift Trust, Sarah Ann Swift 

Trust, Samuel James Swift Trust, Amelia Lynn 

Fager Trust, Greysen Hartline Fager Trust, 

Holden Emery Fager Trust, Jackson Duane 

Fager Trust, Gabrielle Elizabeth Fager Trust, 

Kaitlin Elizabeth Hiestand Trust, Ella Claire 

Hiestand Trust and Blake Michael Hiestand 

Trust; and the Emery E. Fager Trust, the Duane 

Fager Special Trust, and the Jane Anderson 

Trust, all as members of the Fager Family Group 

to retain control of Commerce Bank and Trust 

Holding Company, parent of CoreFirst Bank & 

Trust, both in Topeka, Kansas.

COMMERCE BANK AND TRUST 

HOLDING COMPANY

Newspaper:

Federal Register:

CIC Not available

05/28/2013

Notification by Jerry K. Anderson, acting as 

Plan Administrator of the Commerce Bank and 

Trust Holding Company Employee Stock 

Ownership Plan, to retain control of Commerce 

Bank and Trust Holding Company, parent of 

CoreFirst Bank & Trust, all of Topeka, Kansas.

COMMERCE BANK AND TRUST 

HOLDING COMPANY

Newspaper:

Federal Register:

CIC 04/28/2013

04/30/2013

Notification by Timothy H. Hume, Leslie J. 

Hume, James H. Hume, and Kay L. Hume, all of 

Walsh, Colorado; and Samuel A. Hume, Fort 

Worth, Texas; to acquire control of FarmBank 

Holding, Inc., parent of First FarmBank, both in 

Greeley, Colorado.

FARMBANK HOLDING, 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 May 11, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Frost Bank, San Antonio, Texas, to establish a 

branch to be located at 9300 Kirby Drive, Suite 

600, Houston, Texas 77054.

FROST BANK

Newspaper:

Federal Register:

* 3A3 Not available

05/09/2013

Henderson Citizens Bancshares, Inc., 

Henderson, Texas, to acquire 100 percent of the 

common stock of The East Texas National Bank 

of Palestine, Palestine, Texas.

HENDERSON CITIZENS 

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Southwest Bank, Fort Worth, Texas, to 

establish a branch to be located at 5151 Beltline 

Road, Suite 600, Dallas, Texas 75254.

SOUTHWEST 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 May 11, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

CITIC Group Corporation and CITIC Limited, 

both of Bejing, The People's Republic of China, 

to indirectly acquire CLSA Americas, LLC, New 

York, New York, and thereby engage in certain 

permissible nonbanking activities under Section 

225.28(b)(6) and b(7) of Regulation Y.

CITIC GROUP CORPORATION

* 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