Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 22 

Week Ending June 1, 2013

Board of Governors of the Federal Reserve System, Washington, DC 20551
Enforcement

Border Bancshares, Inc., Greenbush, Minnesota -- written agreement dated May 27, 

2010, terminated May 28, 2013.

- Announced, May 30, 2013

Border Capital Group, Inc., McAllen, Texas -- written agreement dated October 20, 

2011, terminated May 28, 2013.

- Announced, May 30, 2013

CIT Group Inc., New York, New York -- written agreement dated August 12, 2009, 

terminated May 23, 2013.

- Announced, May 30, 2013

Commerce Bank and Trust Holding Company Employee Stock Ownership Plan, 

Topeka, Kansas, and Commerce Bank and Trust Holding Company -- written 

agreement with the Federal Reserve Bank of Kansas City.

- Announced, May 30, 2013

Market Bancorporation, Inc., Elk New Market, Minnesota -- written agreement dated 

February 10, 2011, terminated May 28, 2013.

- Announced, May 30, 2013

Riverview Bancorp, Inc., Vancouver, Washington -- written agreement with the 

Federal Reserve Bank of San Francisco.

- Announced, May 30, 2013

H.2 Board Actions May 26, 2013 to June 1, 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 26, 2013 to June 1, 2013

MA Monetary Affairs

Bank Branches, Domestic

Midland States Bank, Effingham, Illinois -- to establish a branch at 38 West 

Countryside Parkway, Yorkville.

St. Louis

- Approved, May 30, 2013

Bank Holding Companies

Kennedy-Wilson Holdings, Inc., Beverly Hills, California -- relief from certain 

commitments.

Director, BS&R

- Granted, May 29, 2013

Progress Financial Corporation, Huntsville, Alabama -- to become a bank holding 

company by acquiring Progress Bank and Trust, Huntsville.

Atlanta

- Approved, May 23, 2013

(A/C)

Southern Community Bancshares, Inc., Cullman, Alabama -- relief from a 

commitment.

Atlanta

- Granted, May 28, 2013

(A/C) = Addition or Correction Delegated - 1 of 3
Bank Holding Companies

Strategic Growth Bank Incorporated, El Paso, Texas, and Strategic Growth Bancorp 

Incorporated -- to acquire Marsh Associates, Inc., Charlotte, North Carolina, and 

thereby engage in making, acquiring, brokering or servicing mortgage loans or other 

extensions of credit; acting as agent for the private placement of securities; and 

engaging under contract with a third party in asset management, servicing, and 

collection of assets.

Dallas

- Approved, May 30, 2013

Change in Bank Control

Traxshares, Inc., Le Center, Minnesota -- to retain control of Traxshares, Inc. and its 

subsidiary, The First National Bank of Le Center, Le Center.

Minneapolis

- Permitted, May 31, 2013

Financial Holding Companies 

Penns Woods Bancorp, Inc., Williamsport, Pennsylvania -- election to become a 

financial holding company.

Philadelphia

- Effective, May 31, 2013

Reserve Bank Operations

Federal Reserve Bank of Boston -- to make an additional capital expenditure for the 

Enterprise Accounting System.

Director, RBOPS

- Approved, March 20, 2013

(A/C)

H.2 Actions under delegated authority May 26, 2013 to June 1, 2013

(A/C) = Addition or Correction Delegated - 2 of 3
Reserve Bank Operations

Federal Reserve Bank of Dallas -- to commit funds for tenant improvements related 

to leased office space for the San Antonio Branch.

Director, RBOPS

- Approved, March 26, 2013

(A/C)

Federal Reserve Bank of New York -- to make a capital expenditure to fund the 

Reserve Bank's program supporting the Department of the Treasury's planned 

issuance of floating rate notes.

Director, RBOPS

- Approved, March 18, 2013

(A/C)

Federal Reserve Bank of San Francisco -- to approve a contractual lease arrangement 

between the Reserve Bank and Deloitte & Touche LLP.

Director, RBOPS

- Approved, March 18, 2013

(A/C)

H.2 Actions under delegated authority May 26, 2013 to June 1, 2013

(A/C) = Addition or Correction Delegated - 3 of 3
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending June 1, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 Not available

Application by Hometown Community Bancorp, 

MHC, Oxford, Massachusetts, a mutual bank 

holding company, to form a wholly-owned, 

mid-tier, stock bank holding company, 

Hometown Community Bancorp, Inc., Oxford, 

Massachusetts, through its acquisition of 100% 

of the shares of Hometown Bank, A 

Cooperative Bank, Webster, Massachusetts, 

pursuant to sections 3(a)(1) and 3(a)(3) of the 

Bank Holding Company Act of 1956, as 

amended.

HOMETOWN COMMUNITY 

BANCORP MHC

* 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

 339773 NEEDHAM BK, NEEDHAM, MASSACHUSETTS 12/03/2012 05/02/2013 S Int Sm Bank

 35301 STATE STREET B&TC, BOSTON, MASSACHUSETTS 01/14/2013 05/03/2013 O Whole/Ltd Purp

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 June 1, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 214807 DEUTSCHE BK TC AMERICAS, NEW YORK, NEW YORK 12/03/2012 05/21/2013 O Whole/Ltd Purp

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 June 1, 2013

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 June 1, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 06/15/2013

06/28/2013

F.N.B. Corporation, Hermitage, Pennsylvania to 

acquire 100 percent of the voting shares of PVF 

Capital Corporation, Solon, Ohio,and thereby 

indirectly acquire Parkview Federal Savings 

Bank, Solon, Ohio pursuant to section 4(c)(8) of 

the Bank Holding Company Act

F.N.B. CORPORATION

* 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

 542528 CITIZENS BKG CO, SANDUSKY, OHIO 02/04/2013 05/01/2013 S Int Sm Bank

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 June 1, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

Not available

Virginia National Bankshares Corporation, 05/17/2013

Charlottesville, Virginia, to become a bank 

holding company by acquiring 100% of the 

voting shares of Virginia National Bank, 

Charlottesville, Virginia.

VIRGINIA NATIONAL 

BANKSHARES 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

 3614976 FIRST VA CMNTY BK, FAIRFAX, VIRGINIA 01/28/2013 04/28/2013 S Small Bank

 679826 MIDDLEBURG BK, MIDDLEBURG, VIRGINIA 10/22/2012 04/28/2013 S Int Sm Bank

 711520 MINERS EXCH BK, COEBURN, VIRGINIA 02/04/2013 05/22/2013 S Small Bank

 947628 PEOPLES CMNTY BK, MONTROSS, VIRGINIA 02/11/2013 05/16/2013 S Small 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 June 1, 2013

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

 3635533 FRANKLIN SYNERGY BK, FRANKLIN, TENNESSEE 12/03/2012 04/25/2013 S Int Sm 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 June 1, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

06/14/2013

Chief Iowa Investment Corporation, Clive, Iowa, 

to become a bank holding company by 

acquiring 100 percent of Montezuma State Bank, 

Montezuma, Iowa.

CHIEF IOWA INVESTMENT 

CORPORATION

Newspaper:

Federal Register:

Member Not applicable

Not applicable

First National Bank of Hampton, (T/B/K as First 

Bank Hampton), Hampton, Iowa, to retain 

membership in the Federal Reserve System on 

conversion from a national chartered bank to a 

state chartered bank.

FIRST NATIONAL BANK OF 

HAMPTON

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by the Danielle Marie Marquart 2013 

Trust to acquire shares of Johnson Financial 

Group, Inc., Racine, Wisconsin, pursuant to the 

Change in Bank Control Act of 1978. As a result 

of the proposed transaction, JFG shares and 

other assets previously held by the Danielle 

Marie Marquart Trust u/a with Winifred J. 

Marquart & Michael D. Marquart dated 4/21/95 

will be held by the Trust. Johnson Bank will 

serve as trustee of the Trust.

JOHNSON FINANCIAL GROUP, 

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Tri-County Bank, Brown City, Michigan, to 06/14/2013

establish a branch at 6541 VanDyke Marlette, 

Michigan.

TRI-COUNTY BANK

* 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

 276645 AMERICAN ST BK, OSCEOLA, IOWA 12/10/2012 05/06/2013 S Small Bank

 930442 BANK OF PONTIAC, PONTIAC, ILLINOIS 10/15/2012 05/04/2013 S Int Sm Bank

 49148 RUSHVILLE ST BK, RUSHVILLE, ILLINOIS 01/28/2013 05/21/2013 S Small 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 June 1, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 06/12/2013

06/12/2013

Notice by Charles R. Soward, Rosiclare, Illinois 

and Kimberly A. Cotton, Henderson, Kentucky, 

individually, to gain control of Hardin County 

Bancorp, Rosiclare, Illinois.

HARDIN COUNTY BANCORP, 

INC

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Macon-Atlanta State Bank, Macon, Missouri, to 06/29/2013

purchase certain assets and assume certain 

liabilities of Monroe City, Missouri, branch 

office of UMB Bank, N.A., Kansas City, 

Missouri, and to retain the acquired facility as a 

branch office.

MACON-ATLANTA STATE 

BANK

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 466754 BANK OF FAYETTE CTY, COLLIERVILLE, TENNESSEE 01/14/2013 04/25/2013 S Int Sm Bank

 912943 BANK OF OHIO COUNTY, BEAVER DAM, KENTUCKY 02/11/2013 05/10/2013 S Small Bank

 856748 CITIZENS BK, BATESVILLE, ARKANSAS 02/04/2013 05/13/2013 S Int Sm Bank

 169653 FIRST BK, CREVE COEUR, MISSOURI 09/10/2012 05/08/2013 S Large Bank

 580847 LEWISBURG BKG CO, LEWISBURG, KENTUCKY 01/14/2013 04/24/2013 S Small Bank

 256049 TEXICO ST BK, TEXICO, ILLINOIS 02/25/2013 05/20/2013 S 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 June 1, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

06/12/2013

Change in Control notice by Devon Joan Goetz, 

Mandan, North Dakota, to acquire 25 percent or 

more of the shares of Oliver Bancorporation, 

Inc., Center, North Dakota, and thereby 

indirectly gain control of Security First Bank of 

North Dakota, New Salem, North Dakota.

OLIVER BANCORPORATION, 

INC.

Newspaper:

Federal Register:

CIC Not available

06/18/2013

Change in Control notice by Sarah Marie 

Getzlaff, Bismarck, North Dakota, to retain 

voting shares of Oliver Bancorporation, Inc., 

Center, North Dakota, which owns Security First 

Bank of North Dakota, New Salem, North 

Dakota, and thereby join the Goetz family group 

which controls 25% or more of Oliver 

Bancorporation, Inc.

OLIVER BANCORPORATION, 

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

 600651 AMERICAN ST BK OF PIERRE, PIERRE, SOUTH DAKOTA 02/11/2013 05/15/2013 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 June 1, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

First Missouri Bank, Brookfield, Missouri, to 06/05/2013

establish a branch at 1925 Burlington Avenue, 

North Kansas City, Missouri.

FIRST MISSOURI BANK

Newspaper:

Federal Register:

CIC 06/14/2013

06/12/2013

Notification by Joshua C. Rowland, Kansas 

City, Missouri, to acquire control of Lead 

Financial Group, Inc., parent of Lead Bank, both 

in Garden City, Missouri, as a member of the 

Rowland family control group.

LEAD FINANCIAL GROUP, INC.

Newspaper:

Federal Register:

4c8 Not applicable

06/18/2013

Omega Capital Corp, Lakewood, Colorado, 

proposes to engage in lending activities.

OMEGA CAPITAL CORP.

Newspaper:

Federal Register:

CIC 05/24/2013

06/18/2013

Notification by Paul M. Freeman, as custodian 

for Ann E. Freeman, both of Texhoma, 

Oklahoma; the John L. Freeman 2012 Trust, 

Guymon, Oklahoma, and Jacqueline Freeman, 

Texhoma, Oklahoma, trustee; all as members of 

the Freeman family control group, to retain 

control of Texhoma Bancshares, Inc., parent of 

Anchor D Bank, both in Texhoma, Oklahoma.

TEXHOMA BANCSHARES, 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

 343051 BANK OF EUFAULA, EUFAULA, OKLAHOMA 02/11/2013 05/10/2013 S Small Bank

 896856 CASTLE ROCK BK, CASTLE ROCK, COLORADO 02/11/2013 05/08/2013 S Small Bank

 462756 FIRST AMER BK, PURCELL, OKLAHOMA 02/25/2013 05/24/2013 S Int Sm 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 June 1, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

06/21/2013

Commercial Bancshares, Inc. of El Campo, 

Texas, to acquire by merger 100 percent of City 

State Bancshares, Inc., and indirectly acquire 

City State Bank, both of Palacios, Texas.

COMMERCIAL BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A1 06/16/2013

06/14/2013

Pioneer Bancshares, Inc., Dripping Springs, 

Texas, to become a bank holding company by 

acquiring 100 percent of Pioneer Bank, State 

Savings Bank, Dripping Springs, Texas.

PIONEER BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 05/29/2013

06/04/2013

Notice by Ray Mark Bain, Lubbock, Texas, 

individually, as co-trustee of the RMB 2012 

Family Trust, trustee of the Ray Mark Bain 2007 

Trust, and trustee of the Ray Mark Bain 

Children's Trust; Michael Lewis Bain, Canyon, 

Texas, individually, as co-trustee of the RMB 

2012 Family Trust, trustee of the Michael L. Bain 

2007 Trust, and trustee of the Michael L. Bain 

Children's Trust; and Nancy Bain Seybert, 

Perryton, Texas, individually, as trustee of the 

Nancy Bain Seybert 2007 Trust, and trustee of 

the Nancy Bain Seybert Children's Trust; 

Dimmitt, Texas; collectively a group acting in 

concert, to control, retain and acquire greater 

than 25 percent of Plains Bancorp, Inc., Dimmitt, 

Texas, and therefore, indirectly, First United 

Bank, Dimmitt, Texas.

PLAINS BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

07/01/2013

Triumph Bancorp, Inc., and Triumph 

Consolidated Cos., LLC, of Dallas, Texas, to 

acquire 100 percent of National Bancshares, 

Inc., Bettendorf, Iowa, and indirectly THE 

National Bank, Moline, Illinois.

TRIUMPH BANCORP, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Vista Bank, Ralls, Texas, to establish a branch to 

be located at 4350 19th Street, Lubbock, Texas.

VISTA 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

 925653 BANK OF TX, MIDLAND, TEXAS 01/22/2013 05/24/2013 S Small Bank

 1447639 WESTSTAR BK, EL PASO, TEXAS 02/11/2013 06/17/2013 O Large 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 June 1, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

 3398100 PRESIDIO BK, SAN FRANCISCO, CALIFORNIA 01/14/2013 05/02/2013 O Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act