Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 16 

Week Ending April 20, 2013

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

Too Big to Fail -- statement by Scott G. Alvarez, General Counsel, to a 

subcommittee of the House Committee on Financial Services on the provisions of the 

Dodd-Frank Act designed to address the increased risks posed by systemically 

important financial institutions and to ensure that no institution is "too big to fail."

- Published, April 16, 2013

Forms

Forms -- final Board review (1) to extend without revision the Written Security 

Program for State Member Banks (FR 4004), Funding and Liquidity Risk 

Management Guidance (FR 4198), Notice by Financial Institutions of Government 

Securities Broker or Government Securities Dealer Activities (FR G-FIN), and 

Notice by Financial Institutions of Termination of Activities as a Government 

Securities Broker or Government Securities Dealer (FR G-FINW) and (2) to extend 

with revision the Uniform Application for Municipal Securities Principal or 

Municipal Securities Representative Associated with a Bank Municipal Securities 

Dealer (FR MSD-4) and Uniform Termination Notice for Municipal Securities 

Principal or Municipal Securities Representative Associated with a Bank Municipal 

Securities Dealer (FR MSD-5).

- Approved, April 19, 2013

Enforcement

IT & S of Iowa, Inc., Oskaloosa, Iowa -- written agreement dated June 16, 2009, 

terminated April 15, 2013.

- Announced, April 18, 2013

Metropolitan Bank Group, Inc., Chicago, Illinois -- issuance of a consent cease and 

desist order.

- Announced, April 18, 2013

H.2 Board Actions April 14, 2013 to April 20, 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

April 14, 2013 to April 20, 2013

MA Monetary Affairs

Bank Branches, Domestic

Bank of Hawaii, Honolulu, Hawaii -- to establish a branch at 888 Kapahulu Avenue, 

Honolulu.

Secretary

- Approved, April 15, 2013

Centennial Bank, Conway, Arkansas -- to establish a branch at 3921 East County 

Road, Santa Rosa Beach, Florida.

St. Louis

- Approved, April 17, 2013

Commerce Bank, Kansas City, Missouri -- to establish a branch at 12503 Village 

Circle Drive, Sunset Hills.

Kansas City

- Approved, April 19, 2013

Community Trust Bank, Choudrant, Louisiana -- to establish a mobile branch to 

serve Dallas, Texas, and the Dallas County area.

Dallas

- Approved, April 17, 2013

Lake City Bank, Warsaw, Indiana -- to establish a branch at 37 and 131 in Thompson 

Thrift Development, Fishers Marketplace, Fisher.

Chicago

- Approved, April 16, 2013

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

Old Florida Bancshares, Inc., Orlando, Florida -- to acquire New Traditions National 

Bank, Orlando.

Atlanta

- Approved, April 19, 2013

Southern BancShares (N.C.), Inc., Mount Olive, North Carolina -- to acquire 

Heritage BancShares, Lucama, and thereby acquire Heritage Bank.

Richmond

- Approved, April 17, 2013

Bank Mergers

The First Capital Bank of Kentucky, Louisville, Kentucky -- to purchase the assets 

and assume the deposit liabilities of First Federal Bank, Lexington, and to retain the 

acquired facilities as branches.

St. Louis

- Withdrawn, April 16, 2013

Ohio Valley Financial Group, Inc., Henderson, Kentucky -- to purchase the assets 

and assume the deposit liabilities of First Federal Bank, Lexington, and to retain the 

acquired facilities as branches.

St. Louis

- Withdrawn, April 17, 2013

Pacific Premier Bank, Irvine, California -- to acquire San Diego Trust Bank, San 

Diego, and thereby acquire three branches.

San Francisco

- Approved, April 19, 2013

H.2 Actions under delegated authority April 14, 2013 to April 20, 2013

(A/C) = Addition or Correction Delegated - 2 of 4
Banks, State Member

State Bank of the Lakes, Antioch, Illinois -- to make a public welfare investment.

Chicago

- Withdrawn, April 19, 2013

Change in Bank Control

FNB Bancorp, South San Francisco, California -- to retain control of FNB Bancorp 

and its subsidiary, First National Bank of Northern California, South San Francisco.

San Francisco

- Permitted, April 17, 2013

Wichita Falls Bancshares, Inc., Wichita Falls, Texas -- change in bank control of 

Wichita Falls Bancshares and its subsidiary, First National Bank, Wichita Falls.

Dallas

- Permitted, April 16, 2013

Extensions of Time

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga 

Springs, New York -- extension to August 14, 2013, to acquire additional shares of 

473 Broadway Holding Corporation, Saratoga Springs, and The Adirondack Trust 

Company.

New York

- Granted, April 17, 2013

CenterGroup Financial, Inc., Milford, Ohio -- extension to July 18, 2013, to become 

a bank holding company by acquiring CenterBank, Milford.

Cleveland

- Granted, April 19, 2013

H.2 Actions under delegated authority April 14, 2013 to April 20, 2013

(A/C) = Addition or Correction Delegated - 3 of 4
Financial Holding Companies 

Exchange Company, Kearney, Nebraska -- election to become a financial holding 

company.

Kansas City

- Effective, April 15, 2013

JCK, Inc., Junction City, Kansas -- election to become a financial holding company.

Kansas City

- Effective, April 15, 2013

H.2 Actions under delegated authority April 14, 2013 to April 20, 2013

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

Federal Reserve Bank of Boston

Filings received during the week ending April 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

State Street Bank and Trust Company and State 

Street International Holdings, both of Boston, 

Massachusetts, seek prior notice pursuant to 

Section 211.9(f) of Regulation K to merge State 

Street Services (Poland) Limited sp.z o.o into 

State Street Bank GmbH, Munich, Germany in 

excess of the single equity investment limits.

STATE STREET BANK AND 

TRUST COMPANY

Newspaper:

Federal Register:

Foreign Branch Not applicable

Not applicable

State Street Bank & Trust Company, Boston, 

Massachusetts, seeks prior notice to establish a 

branch in Krakow, Poland, pursuant to Section 

211.3(b)(3) of Regulation K.

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 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Adirondack Bank, Utica, New York, requests to 04/22/2013

establish a branch located at 808 Main Street, 

Sylvan Beach, New York, Oneida County.

ADIRONDACK BANK

* 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 20, 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 April 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 

branch at 6571 Broadway Avenue, Unit 8, 

Cleveland, OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 

branch at 12002 Anderson Road, Tampa, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

CIC 04/02/2013

04/02/2013

Interagency Notice of Change in Bank Control 

submitted by Michael R. Eaves, as an 

individual, Richmond, KY and Interagency 

Notice of Change in Bank Control submitted by 

Dr. William R. Allen and Pattris S. Allen and Dr, 

WIlliam R. Allen and Pattris S. Allen's IRA 

and/or 401K account(s); Michael R. Eaves and 

Ava M. Eaves and Michael R. Eaves and Ava 

M. Eaves' IRA and/or 401K account(s); Michael 

D. Eidson and Kathleen H. Eidson and Michael 

D. Eidson's IRA account(s); Jeffrey E. Neal and 

Debra G. Neal and Jeffrey E. Neal and Debra G. 

Neal's IRA and/or 401K account(s); Corey E. 

Neal; and Stuart K. Olds, all of Richmond, KY 

and J. Michael Burns, Nicholasville, KY to 

acquire 10% or more of the outstanding voting 

shares of Madison Financial Corporation, 

Richmond, KY.

MADISON FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Richwood Banking Company, Richwood, Ohio 

to increase its investment in bank premises in 

the amount of $1.7 million, exceeding the 

investment in premises limit

RICHWOOD BANKING 

COMPANY, INC., THE

* 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 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

CapGen Capital Group III LLC and CapGen 

Capital Group III LP, both located in New York, 

New York, to increase their investment up to 

25% of the voting securities of Seacoast 

Banking Corporation of Florida, Stuart, Florida, 

and thereby indirectly control Seacoast National 

Bank, Stuart, Florida.

CAPGEN CAPITAL GROUP III 

LLC

* 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 April 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5

* 18C

* Branch

05/08/2013

05/10/2013

1st United Bancorp, Boca Raton, Florida 

(Bancorp), to merge with Enterprise Bancorp, 

Inc., Palm Beach Gardens, Florida, and thereby 

acquire its subsidiary, Enterprise Bank of 

Florida, North Palm Beach, Florida (Bank). In 

addition, Bancorp's subsidiary, 1st United Bank, 

Boca Raton, Florida, will merge with Bank.

1ST UNITED BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

CedarStone Financial, Inc., to become a bank 

holding company by acquiring CedarStone 

Bank, both of Lebanon, Tennessee.

CEDARSTONE FINANCIAL, INC.

Newspaper:

Federal Register:

CIC Not available

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.

* 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 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/21/2013

02/11/2013

Sabina Bosshard, Homer, Minnesota, 

individually, and as co trustee of the Sabina 

Bosshard Irrevocable Trust ("Trust"), and 

Sabina Bosshard, together as a group acting in 

concert with Trust, the Lindsey Bosshard Trust, 

Jeff Gray, LaCrosse, Wisconsin, as co trustee of 

Trust and trustee of the Lindsey Bosshard 

Trust, Ross E. Parke, New York, New York, as 

independent trustee of Trust, Kurt Bosshard, 

Kapaa, Hawaii, John Bosshard III, McCarthy, 

Alaska, William Bosshard and Andrew 

Bosshard, both of La Crosse, Wisconsin, 

Carlista Bosshard, Madison, Wisconsin, Joseph 

Bosshard and Makenzie Bosshard, both of 

Boulder, Colorado, Nathan Bosshard-Blakely, 

Berkeley, California, Elizabeth Bosshard-Blakely, 

South Pasadena, California, Alexandra 

Bosshard, Sandy, Utah, and John Bosshard, 

Superior, Colorado, to retain control of 25 

percent or more of the outstanding voting 

shares of Bosshard Financial Group, Inc., La 

Crosse, Wisconsin, and thereby to indirectly 

retain control of Grand Marsh State Bank, Grand 

Marsh, Wisconsin, and Farmers State Bank of 

Hillsboro, Hillsboro, Wisconsin.

BOSSHARD FINANCIAL GROUP, 

INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Central State Bank, Muscatine, Iowa, to merge 

with sister banks: West Chester Savings Bank, 

Washington, Iowa; and Freedom Security Bank, 

Coralville, Iowa. As a result of the proposed 

mergers, all offices of target banks will become 

offices of Central State Bank, Muscatine, Iowa.

CENTRAL STATE BANK

Newspaper:

Federal Register:

CIC 03/05/2013

05/08/2013

LAF GW Investments, LLC (LAF GW), an 

Arkansas limited liability company, individually, 

with Stephen L. LaFrance, Jr., Little Rock, 

Arkansas, as the sole manager, and LAF GW 

and Stephen L. LaFrance, Jr., together as a 

group acting in concert with JSJ Properties, 

LLC, a Missouri limited liability company, with 

Stephen L. LaFrance, Jr., Jason P. LaFrance, and 

Joe Courtright, both of Little Rock, Arkansas, as 

managers, LAF Brothers Properties, LLC, an 

Arkansas limited liability company, with 

Stephen L. LaFrance, Jr. and Jason P. LaFrance 

as managers, the Stephen L. LaFrance, Sr. GW 

Investments Trust, with Stephen L. LaFrance, Jr. 

and Jason P. LaFrance as trustees, Jason P. 

LaFrance, and the Amy LaFrance Bancroft GW 

Investments Trust, with Stephen L. LaFrance, 

Sr., Pine Bluff, Arkansas, as trustee, to acquire 

10 percent or more of the outstanding voting 

shares of Greenwoods Financial Group, Inc., 

and thereby indirectly acquire control of The 

Greenwood's State Bank, both of Lake Mills, 

Wisconsin.

GREENWOODS FINANCIAL 

GROUP, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending April 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

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 Not available

04/26/2013

Mr. Leland E. Boren, Upland, Indiana, to acquire 

control above 10 percent of Independent 

Alliance Banks, Inc., Fort Wayne, Indiana, and 

thereby indirectly control IAB Financial Bank, 

Fort Wayne, Indiana, pursuant to the Change in 

Bank Control Act.

INDEPENDENT ALLIANCE 

BANKS, 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 April 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Centennial Bank, Conway, Arkansas, to 

establish a branch facility located at 17 West 

Government Street, Suite A, Pensacola, Floridia.

CENTENNIAL BANK

Newspaper:

Federal Register:

CIC Not available

05/01/2013

Notice by Christopher C. Reid, Owensboro, 

Kentucky, acting individually and in concert 

with a control group, to retain control of 

Independence Bancshares, Inc., Owensboro, 

Kentucky. The control group consists of Mr. 

Reid, Beacon Insurance Agency, Inc., Janet 

Reid, Jacob Reid, Lauren Reid Patton, Cathy 

Switzer, Greg Mullican, Todd Switzer, Kyle Aud, 

Bridget Reid, Jennie Parker, Eve Holder, Matt 

Carter, Darrell Higginbotham, Gary White, all of 

Owensboro, Kentucky; Jim Davis, Scott Audas, 

Bob Cummins, Kay Bryant, all of Henderson, 

Kentucky; Danny Evitts, Scott Johnston, both 

of Paducah, Kentucky; Kelly Jackson, Alvaton, 

Kentucky; Tawna Wright, Calhoun, Kentucky; 

and Brad Howard, Bowling Green, Kentucky.

INDEPENDENCE BANCSHARES, 

INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Petit Jean State Bank, Morrilton, Arkansas, to 

become a member of the Federal Reserve 

System.

PETIT JEAN STATE BANK

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

Federal Reserve Bank of St. Louis

Filings received during the week ending April 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Thomas H. Brouster, Sr., St. Louis, 

MO, acting individually, and in concert with a 

control group, to retain control of Reliance 

Bancshares, Inc., Des Peres, MO. The control 

group consists of Mr. Brouster, the members of 

the Brouster Investment Group approved on 

February 19, 2013 to gain control of Reliance 

Bancshares, Inc., and the following new 

members of the Brouster Investment Group: 

Richard R. and Nancy J. Arnoldy, JTWROS St. 

Louis, MO; Kenneth M. Bartz, St. Louis, MO; 

Lawrence Callahan and IRA FBO Lawrence 

Callahan Pershing LLC as Custodian Roth 

Account, both of Olivette, MO; Timothy J. 

Danis, Vero Beach, FL; Thomas P. Danis, St. 

Louis, MO; Nancy P. Demko Living Trust dtd 

1-13-84, Nancy P. Demko, Trustee, Chesterfield, 

MO; Jacqueline A. Demko Revocable Trust and 

Jacqueline A. Demko Roth IRA, both of 

Chesterfield, MO; Joseph D. Demko Living 

Trust UAD 7/15/2003, Joseph D. Demko, 

Trustee, Glendale, MO; McRee Lesche Engler 

Fund (J. Curtis Engler), St. Louis, MO; David N. 

Flowers, Greenville, IL; Duane Flowers, Trustee 

of the Linda Flowers Trust, Greenville, IL; John 

Curtis Flowers Trust dtd 2-17-1998, John Curtis 

Trustee, Greenville, IL; J. Rush James III u/a dtd 

1-30-1997, James R. James III Trustee, St. Louis, 

MO; PTC Custodian Prototype SEP IRA FBO 

John C. Kirkham, and John C. Kirkham and 

Marylyn J. Kirkham as Joint Tenants, both of 

Chesterfield, MO; Linda W. Lynch Revocable 

Trust Dated 1/27/94, Linda W. Lynch Trustee, 

St. Louis, MO; Thomas J. Lynch Revocable 

Trust dtd 1-27-94, Thomas J. Lynch Trustee, St. 

Louis, MO; David Meiners, St. Louis, MO; 

Elizabeth H. O'Keefe, Trustee of the Elizabeth H. 

O'Keefe Living Trust dated 9/18/03, Olivette, 

MO; Henry G. Ollinger Lifetime Trust dtd 

9/15/82 and Marcia A. Ollinger Lifetime Trust 

dtd 9/15/82 as joint tenants, and Marcia A. 

Ollinger Lifetime Trust dtd 9/15/82, all of St. 

Louis, MO; Thomas Geo Pappas, St. Louis, MO; 

DLP2005 Trust, David L. Payne, Trustee, St. 

Louis, MO; Michael O. Schmelzle Trustee of the 

Michael O. Schmelzle Revocable Trust u/a dtd 

November 9, 2007, Shrewsbury, MO; Craig A. 

Schriewer, St. Louis, MO; M. Todd Smith and 

Barbara L. Smith, joint tenants, St. Peters, MO; 

Andrew P. Thome, Chesterfield, MO; Howard 

Weiser and Maureen Weiser, JTWROS, Town 

& Country, MO; and AD Welsh, Trustee of the 

AD Welsh Revocable Living Trust dtd 

9/18/2000, Ft. Myers, FL.

RELIANCE 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 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/22/2013

Change in Control Notice by William P. Von 

Holtum, Edina, Minnesota, individually and as 

trustee of the voting trust of the John E. Von 

Holtum Estate, Edina, Minnesota, to retain 

control of 25% or more of Central Trust 

Company, Edina, Minnesota, and thereby 

indirectly retain control of Central Bank and 

Trust, Lander, Wyoming; CenBank, Buffalo 

Lake, Minnesota; and VH Bancorporation, Inc., 

Edina, Minnesota, which owns Grand Marais 

State Bank, Grand Marais, Minnesota. In 

addition, Megan E. Von Holtum and Christopher 

J. Von Holtum, both of Edina, Minnesota, to join 

the Von Holtum Family Group, which owns 25% 

or more of the shares of Central Trust Company.

CENTRAL TRUST COMPANY

Newspaper:

Federal Register:

CIC 04/12/2013

04/09/2013

The 2012 Jack W. Steele Irrevocable Trust and 

the 2012 Donna D. Steele Irrevocable Trust 

("Trusts"), both of Huron, South Dakota; 

Preston B. Steele, individually and as trustee of 

Trusts, and Tasha J. Lee, individually and as 

trustee of Trusts, both of Huron, South Dakota; 

and American Bank & Trust, Wessington 

Springs, South Dakota, as trustee of Trusts, to 

retain and acquire control of Leackco Bank 

Holding Company, Inc., Wolsey, South Dakota, 

and thereby indirectly retain and acquire control 

of American Bank & Trust, Wessington 

Springs, South Dakota, and American State 

Bank of Pierre, Pierre, South Dakota.

LEACKCO BANK HOLDING 

COMPANY, INC.

Newspaper:

Federal Register:

CIC Not available

05/01/2013

Change in control notice by James Day, 

Menahga, Minnesota, and Justin Day, 

Menahga, Minnesota, to each retain 25% or 

more of the voting shares of Menahga 

Bancshares, Inc., Menahga, Minnesota, and 

thereby indirectly retain control of First National 

Bank of Menahga & Sebeka, Menahga, 

Minnesota.

MENAHGA BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

04/23/2013

Post notice by the Elizabeth Ann Soderberg 

Irrevocable Trust, New Richmond, Wisconsin, 

Scott H, Soderberg, Eden Prairie, Minnesota, 

individually and as trustee, the Scott H. 

Soderberg Irrevocable Trust, New Richmond, 

Wisconsin, and Elizabeth Ann Soderberg, 

Minnetonka, Minnesota, individually and as 

trustee to join the Soderberg family control 

group which controls 25 percent or more of the 

shares of One Corporation, New Richmond, 

Wisconsin and thereby indirectly retain control 

of First National Community Bank, New 

Richmond, Wisconsin.

ONE CORPORATION

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending April 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

05/06/2013

Thomas W. Armstrong, Park Falls, Wisconsin, 

and Bradley A. Trimner, Park Falls, Wisconsin, 

individually and as Co-Trustees of the Arnold J. 

Stueber, Sr Revocable Trust, Park Falls, 

Wisconsin, and the Sadie A. Stueber Revocable 

Trust, Park Falls, Wisconson, and Mary 

Luethmers, Park Falls, Wisconsin, individually, 

to each retain control of 25% or more of the 

shares of Park Falls Agency, Inc., Park Falls, 

Wisconsin, and thereby indirectly retain control 

of The First National Bank of Park Falls, Park 

Falls, Wisconsin.

PARK FALLS AGENCY, INC.

Newspaper:

Federal Register:

CIC 05/02/2013

04/29/2013

Change in Control Notice by Kevin Lee Mulder, 

Minneapolis, Minnesota, to acquire voting 

shares of PSB Financial Shares, Inc., Prinsburg, 

Minnesota, which owns PrinsBank, Prinsburg, 

Minnesota, and thereby join the Mulder Family 

Group, which controls 25% or more of PSB 

Financial Shares, Inc.

PSB FINANCIAL SHARES, INC.

Newspaper:

Federal Register:

CIC Not available

05/08/2013

Notice of Change in Control by the Traxshares 

Trust U/A dated December 5, 2012, ("Trust") 

and Greg Gerard Traxler, Le Center, Minnesota, 

individually and as Co-Trustee of the Trust, to 

retain 25 percent or more of the shares of 

Traxshares, Inc., Le Center, Minnesota, and 

thereby indirectly retain control of The First 

National Bank of Le Center, Le Center, 

Minnesota.

TRAXSHARES, INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending April 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 04/05/2013

03/25/2013

Notice submitted by Troy and Crystal 

Faulkender, Oakley, Kansas; Jay and Brandy 

Todd, Rexford, Kansas; Darvin and Tammi 

Strutt, Colby, Kansas; Sharon and Ronnie 

Schamberger, Hoxie, Kansas; Crystal Ann 

Trauer, trustee of the Laurence Duane Trauer 

Tax Shelter Trust and the Crystal Ann Trauer 

Revocable Trust, both in Hays, Kansas; Nichole 

and Bret Tremblay, Manhattan, Kansas; Leslea 

and Brett Oelke, Hoxie, Kansas; Brittany 

Schamberger, Hoxie, Kansas, Taylore 

Schamberger, Hoxie, Kansas; Jerry and Melissa 

Spresser, Hoxie, Kansas; Larry and Julia 

Spresser, Pittsburg, Kansas; Brian and Sheri 

Baalman, Menlo, Kansas; and Samuel 

Brookover, Scott City, Kansas, as a group 

acting in concert, to acquire control of Big Mac 

Bancshares, Inc., Hoxie, Kansas, parent of 

Peoples State Bank, McDonald, Kansas.

BIG MAC BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

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.

Newspaper:

Federal Register:

* Branch

Not applicable

First Missouri Bank, Brookfield, Missouri, to 05/01/2013

establish a branch at 1925 Burlington Avenue, 

North Kansas City, Missouri.

FIRST MISSOURI BANK

Newspaper:

Federal Register:

* 3A3 05/04/2013

05/20/2013

Goering Management Company, L.L.C. and 

Goering Financial Holding Company 

Partnership, L.P., to retain 43.72 percent of the 

voting shares of Bon, Inc., all of Moundridge, 

Kansas, parent of Home State Bank & Trust Co., 

McPherson, Kansas, and The Citizens State 

Bank, Moundridge, Kansas.

GOERING MANAGEMENT 

COMPANY, LLC

* 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 April 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 05/12/2013

05/17/2013

FBC Bancshares, Inc., Conroe, Texas, to become 

a bank holding company by acquiring 100 

percent of First Bank, N.A., Conroe, Texas.

FBC BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

04/26/2013

Notice by John C. Landers, Houston, Texas, 

individually and as co-trustee of the Brittney 

Reimert Family Share Trust, the Chelsea Reimert 

Family Share Trust, and the Jeffery Reimert 

Family Share Trust, all of Houston, Texas, to 

acquire 10 per cent or more of the shares and 

thereby control of Friendswood Capital 

Corporation, Webster, Texas, and thus 

indirectly obtain control of Texan Bank, Sugar 

Land, Texas.

FRIENDSWOOD CAPITAL 

CORPORATION

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:

* 3A5 Not available

* 3A3 04/29/2013

Hillister Enterprises, II, Inc., Umphrey II Family 

Limited Partnership, and CBFH, Inc., all of 

Beaumont, Texas, to acquire VB Texas, Inc., 

Houston, Texas, and therefore indirectly, Vista 

Bank Texas, Houston, Texas.

HILLISTER ENTERPRISES II, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Louise Bancshares, Inc., Louise, Texas, to 

acquire indirectly through its wholly owned 

subsidiary, The First State Bank, Louise, Texas, 

a 90 percent interest in Hancock Mortgage 

Partners, LLC, Sugar Land, Texas, to engage in 

lending activities pursuant to 225.28(b)(1) of 

Regulation Y.

LOUISE BANCSHARES, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

American Security Bank, Newport Beach, 

California, to establish a branch office located at 

495 E. Rincon Street, Suite 150, Corona, 

California.

AMERICAN SECURITY BANK

Newspaper:

Federal Register:

CIC Not available

02/15/2013

Interagency Notice of Change in Control by the 

Thian Control Group, including Yee Phong 

(Alan) Thian, Fen Fen Thian, Min Yaw Thian, 

Min Tat Thian, and Gim Tie (Tony) Kheng, all of 

Arcadia, California; Fui Ming (Catherine) Thian, 

Lawrence S K Law, and Jor Leong Law all of 

Calabasas, California; Yee Chin (Victor) Thian of 

Glendale, California; Jennifer Wei Lim Kheng of 

San Francisco, California; Jor Teck Law of 

Beijing, China; Min Yang Thian of Kuala 

Lumpur, Malaysia; Min Jie Thian of New York, 

New York; United Overseas Investment, Inc. 

and Eastern Union, Inc., both of Sherman Oaks, 

California; and their related family members and 

interests, to retain 10 percent or more of the 

voting stock of RBB Bancorp, and thereby 

indirectly retain 10 percent or more of the voting 

stock of Royal Business Bank, both of Los 

Angeles, California.

RBB BANCORP

Newspaper:

Federal Register:

CIC Not available

02/15/2013

Interagency Notice of Change in Control by the 

Kao Control Group, including Dr. Ruey Chyr 

Kao, Je Tsu Kao, and James Kao, all of Las 

Vegas, Nevada; Dr. Min Hwan Kao and Yu Fan 

Kao of Leawood, Kansas; Daniel J. Kao and 

Linda Lee Kao of La Jolla, California; Christina 

Kao of Piscataway, New Jersey; and their 

related family members, to acquire 10 percent or 

more of the voting stock of RBB Bancorp, and 

thereby indirectly acquire 10 percent or more of 

the voting stock of Royal Business Bank, both 

of Los Angeles, California.

RBB BANCORP

Newspaper:

Federal Register:

CIC Not available

02/15/2013

Interagency Notice of Change in Control by the 

Chang Control Group, including Louis C. Chang 

and Su-Cheng C. Chang, both of Palos Verdes 

Estates, California; Peter Ming Chang of Los 

Alamitos, California; and their related family 

members, to acquire 10 percent or more of the 

voting stock of RBB Bancorp, and thereby 

indirectly acquire 10 percent or more of the 

voting stock of Royal Business Bank, both of 

Los Angeles, California.

RBB BANCORP

* 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