Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 14 

Week Ending April 3, 2010

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

Forms -- final Board review of proposals to (1) extend with revision the Semiannual 

Report of Derivatives Activity (FR 2436), (2) extend without revision the Notice of 

Branch Closure (FR 4031) and Reports Related to Securities of State Member Banks 

as Required by Regulation H (Reg H-1), and (3) conduct with revision the Census of 

Finance Companies (FR 3033p).

- Approved, April 1, 2010

Personnel

Office of Board Members -- appointment of Tara W. Foscato as special assistant to 

the Board.

- Announced, March 29, 2010

Enforcement

Anchor Commercial Bank, Juno Beach, Florida -- written agreement with the Federal 

Reserve Bank of Atlanta and the State of Florida, Office of Financial Regulation.

- Announced, March 29, 2010

Atlantic BancGroup, Inc., Jacksonville Beach, Florida -- written agreement with the 

Federal Reserve Bank of Atlanta.

- Announced, March 31, 2010

BankTennessee Bancshares, Inc., Collierville, Tennessee, and BankTennessee -- 

written agreement with the Federal Reserve Bank of St. Louis.

- Announced, March 30, 2010

First Banks, Inc., St. Louis, Missouri, The San Francisco Company, Clayton, and 

First Bank, Creve Coeur -- written agreement with the Federal Reserve Bank of St. 

Louis.

- Announced, April 1, 2010

H.2 Board Actions March 28, 2010 to April 3, 2010

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

Granvalor Holding, Ltd., Tortola, British Virgin Islands, and International Bancorp 

of Miami, Inc., Coral Gables, Florida -- written agreement with the Federal Reserve 

Bank of Atlanta.

- Announced, March 29, 2010

Independent Bancshares, Inc., Ocala, Florida -- written agreement with the Federal 

Reserve Bank of Atlanta.

- Announced, April 1, 2010

Midwest Bank and Trust Company, Elmwood Park, Illinois -- issuance of a prompt 

corrective action directive against the bank.

- Announced, March 31, 2010

H.2 Board Actions March 28, 2010 to April 3, 2010

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

March 28, 2010 to April 3, 2010

Bank Branches, Domestic

Comerica Bank, Dallas, Texas -- to establish a branch at 6388 Camp Bowie 

Boulevard, Fort Worth.

Dallas

- Approved, April 2, 2010

Bank Holding Companies

AmFirst Financial Services, Inc., McCook, Nebraska -- to engage in insurance 

activities through the acquisition of AmFirst Insurance Agency, LLC, Benkelman.

Kansas City

- Withdrawn, March 31, 2010

First American Financial Management Company, Salisbury, North Carolina -- to 

become a bank holding company and to acquire Community Bank of Rowan, 

Salisbury.

Richmond

- Approved, April 1, 2010

Franklin Resources, Inc., San Mateo, California -- to retain shares of West Coast 

Bancorp, Lake Oswego, Oregon, and thereby indirectly retain West Coast Bank.

San Francisco

- Approved, April 2, 2010

Platte Valley Bancorp, Inc., North Bend, Nebraska -- to become a bank holding 

company and to acquire Platte Valley Bank, North Bend.

Kansas City

- Approved, March 31, 2010

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

S.B.C.P. Bancorp, Inc., Cross Plains, Wisconsin -- waiver of application to acquire 

Black Earth Bancshares, Inc., Black Earth, and Black Earth State Bank, in connection 

with the bank's merger with S.B.C.P.'s subsidiary bank, State Bank of Cross Plains, 

Cross Plains.

Chicago

- Granted, April 1, 2010

Texas State Bankshares, Inc., Harlingen, Texas -- to become a bank holding company 

and to acquire Falfurrias State Bank, Falfurrias.

Dallas

- Approved, April 2, 2010

Bank Mergers

Southern Bancorp Bank, Arkadelphia, Arkansas -- to merge with Southern Bancorp 

Bank of Blytheville, National Association, Blytheville, and operate branches at the 

bank's existing locations.

Secretary

- Approved, April 1, 2010

Southern Bancorp Bank, Arkadelphia, Arkansas -- to merge with Southern Bancorp 

Bank of Trumann, Trumann, and operate a branch.

Secretary

- Approved, April 1, 2010

H.2 Actions under delegated authority March 28, 2010 to April 3, 2010

(A/C) = Addition or Correction Delegated - 2 of 4
Change in Bank Control

The Community Group, Inc., Highland Village, Texas -- change in bank control of 

Community and its subsidiary bank, United Community Bank, N.A., Highland 

Village.

Dallas

- Permitted, March 30, 2010

Frank P. Doyle Trust, Article IX, Santa Rosa, California -- change in bank control of 

Doyle Trust and its subsidiary bank, Exchange Bank, Santa Rosa.

San Francisco

- Permitted, March 31, 2010

Royal Bancshares of Pennsylvania, Inc., Narberth, Pennsylvania -- change in bank 

control of Royal and its subsidiary banks, Royal Asian Bank, Philadelphia, and Royal 

Bank America, Narberth.

Philadelphia

- Permitted, March 31, 2010

Sulphur Springs Bancshares, Inc., Sulphur Springs, Texas -- change in bank control 

of Sulphur and its subsidiary bank, The City National Bank of Sulphur Springs, 

Sulphur Springs.

Dallas

- Permitted, March 29, 2010

Extensions of Time

Arvest Bank, Fayetteville, Arkansas -- extension to August 8, 2010, to establish a 

branch at the northeast corner of National Avenue and Chestnut Street, Springfield, 

Missouri.

St. Louis

- Granted, March 30, 2010

H.2 Actions under delegated authority March 28, 2010 to April 3, 2010

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

Regions Bank, Birmingham, Alabama -- extension to May 12, 2011, to establish a 

branch at the corner of Route 57 and Meridian Road, Glen Carbon, Illinois.

Atlanta

- Granted, March 30, 2010

H.2 Actions under delegated authority March 28, 2010 to April 3, 2010

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

Federal Reserve Bank of Boston

Filings received during the week ending April 3, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

To engage de novo in investment advisory 

activities through a new SEC registered 

investment advisory subsidiary.

PROVIDENT BANCORP

* 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 3, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

American Community Bancorp Inc., to become a 

bank holding company by acquiring 100 percent 

of American Community Bank, both of Glen 

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

BHC Act and Section 225.15 of Regulation Y.

AMERICAN COMMUNITY 

BANCORP INC.

Newspaper:

Federal Register:

* 18C Not available

Not applicable

The Bank of New York Mellon, New York, New 

York, to acquire certain deposit liabilities of 

Arcus Bank, Salt Lake City, Utah, pursuant to 

Section 18(c) of the Federal Deposit Insurance 

Act.

BANK OF NEW YORK MELLON 

CORPORATION, THE

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Fortis Bank (Nederland) N.V., Amsterdam, 

Netherlands, to establish a representative office 

in New York, New York, pursuant to Section 

10(a) of the International Banking Act of 1978, 

as amended, and Section 211.24(a)(1) of 

Regulation K.

FORTIS BANK NEDERLAND NV

Newspaper:

Federal Register:

* 3A3 Not available

04/28/2010

Goldman Sachs Group, Inc., New York, New 

York, to acquire 24.9 percent of SKBHC 

Holdings LLC, Corona del Mar, California, 

which is applying to become a bank holding 

company, and thereby indirectly acquire 

Starbuck Bancshares, Inc. and The First 

National Bank of Starbuck, both of Starbuck, 

Minnesota.

GOLDMAN SACHS GROUP, INC., 

THE

Newspaper:

Federal Register:

* 3A3 Not available

04/26/2010

Morgan Stanley, New York, New York, to 

acquire 100 percent of Morgan Stanley Private 

Bank, N.A. ("MS Private Bank"), Jersey City, 

New Jersey, pursuant to Section 3(a)(3) of the 

Bank Holding Company Act and Section 225.15 

of Regulation Y, that will be created from 

converting Morgan Stanley Trust, Jersey City, 

New Jersey, into a national bank. MS Private 

Bank will assume certain deposit liabilities of 

Morgan Stanley Bank, N.A., Salt Lake City, 

Utah and will be relocated to Purchase, New 

Jersey.

MORGAN STANLEY

Newspaper:

Federal Register:

* Branch

Not applicable

Orange County Trust Company, Middletown, 04/16/2010

New York, to establish a branch office located at 

78 North Plank Road, Newburgh, New York.

ORANGE COUNTY TRUST 

COMPANY

* 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 3, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

04/09/2010

Tower Bancorp, Inc., Harrisburg, PA, to acquire 

First Chester County Corporation, West 

Chester, PA.

TOWER BANCORP INC.

* 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 3, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 723112 FIFTH THIRD BK, CINCINNATI, OHIO 10/13/2009 03/23/2010 S Large 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 April 3, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

David Muldrow Beasley, Society Hill, South 

Carolina, to individually retain 27.05% of the 

voting shares of First Carolina Bancshares 

Corporation, Darlington, South Carolina. 

Additionally, David Muldrow Beasley, Henry 

Wesley Beasley, Richard Lewis Beasley, and 

Richard Lee Beasley, as a group acting in 

concert, to retain 71.04% of the voting shares of 

First Carolina Bancshares Corporation, 

Darlington, South Carolina.

FIRST CAROLINA 

BANCSHARES 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 April 3, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/09/2010

Prior change in control notice filed by Marty E. 

Adams, Salineville, Ohio; Kevin T. Thompson, 

Saint Augustine, Florida; and John S. Loeber, 

Travelers Rest, South Carolina; to acquire 

control of Palm Bancorp, Inc., and its subsidiary 

bank, The Palm Bank, both of Tampa, Florida.

PALM BANCORP, 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

 704737 FLORIDA BK, TAMPA, FLORIDA 10/19/2009 03/04/2010 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 April 3, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Ames Community Bank, Ames, Iowa, to merge 

with VisionBank of Iowa, Grimes, Iowa. As a 

result of the merger, Ames Community Bank, 

will establish a branch office at 925 Gateway 

Drive, Grimes, Iowa.

AMES COMMUNITY BANK

Newspaper:

Federal Register:

CIC Not available

03/30/2010

Notice by Gaetano M. Cecchini, Canton, Ohio, 

as trustee of the Gaetano Mattioli Cecchini 

Living Trust, Canton, Ohio, to acquire 50 

percent or more of the voting shares of 

Southport Financial Corporation, Kenosha, 

Wisconsin, and thereby indirectly acquire 

Southport Bank, Kenosha, Wisconsin.

SOUTHPORT FINANCIAL 

CORPORATION

* 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 3, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Midland States Bank, Effingham, Illinois, to 04/16/2010

establish a branch facility to be located at 1540 

Route 59, Joliet, Illinois.

MIDLAND STATES BANK

Newspaper:

Federal Register:

CIC Not available

04/21/2010

Notice by Southern Missouri Savings Bank 

Employee Stock Ownership Plan (Rebecca J. 

Brooks, L. Douglas Bagby, and Samuel H. Smith 

as trustees), Poplar Bluff, Missouri, to gain 

control of Southern Missouri Bancorp, Inc., 

Poplar Bluff, Missouri.

SOUTHERN MISSOURI 

BANCORP, 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

 909055 PEOPLES B&TC, TROY, MISSOURI 11/30/2009 03/19/2010 S Int Sm 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 April 3, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/12/2010

Notice by Dennis and Terri Brazier, Greenbush, 

Minnesota, to gain control of Border 

Bancshares, Inc., Greenbush, Minnesota, and 

thereby indirectly gain control of Border State 

Bank, Greenbush, Minnesota. In addition, 

notice by the Vivian Y. Miller Revocable Trust, 

Roseau, Minnesota; Vivian Y. Miller, Naples, 

Florida, as trustee of the Vivian Y. Miller 

Revocable Trust; the Michael J. Miller Trust, 

Roseau, Minnesota; Jon L. Miller, Naples, 

Florida, individually and as trustee of the Vivian 

Y. Miller Revocable Trust and the Michael J. 

Miller Trust; the William I. Hagen Revocable 

Trust, Roseau, Minnesota; William I. Hagen, 

Warroad, Minnesota, individually and as 

trustee of the William I. Hagen Revocable Trust; 

William M. Hagen, Salol, Minnesota; Lori Ann 

Minard, Bozeman, Montana; Melissa L. 

Tedford, Fargo, North Dakota; Neal L. Broten, 

River Falls, Wisconsin; Sally T. Broten, River 

Falls, Wisconsin; Susan L. Miller, Minneapolis, 

Minnesota; and Brian J. MacLellan, 

Minneapolis, Minnesota, as a group acting in 

concert to acquire and retain control of Border 

Bancshares, Inc., Greenbush, Minnesota, and 

thereby indirectly acquire and retain control of 

Border State Bank, Greenbush, Minnesota.

BORDER BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 04/09/2010

04/12/2010

Stonebridge Bancorporation, Minneapolis, 

Minnesota, to acquire 100 percent of Shakopee 

Bancorporation, Inc., Shakopee, Minnesota, and 

thereby indirectly acquire Citizens State Bank of 

Shakopee, Shakopee, Minnesota.

STONEBRIDGE 

BANCORPORATION

* 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 3, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 3, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Dallas, Texas, to establish three 

branches at the following locations: 1433 5th 

Street, Santa Monica, CA 90401; 824 Fair Oaks 

Avenue, S. Pasadena, CA 91030; and 625 S. 

Melrose Drive, Vista, CA 92081.

COMERICA BANK

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Icon Capital Corporation, Houston, Texas, to 

become a bank holding company by acquiring 

100 percent of Icon Bank of Texas, N. A., 

Houston, Texas.

ICON CAPITAL CORPORATION

Newspaper:

Federal Register:

CIC Not available

04/20/2010

Notice by Moelis Capital Partners Opportunity 

Fund I, LP, New York, New York; Moelis Capital 

Partners Opportunity Fund I-A, LP, New York, 

New York; Moelis Capital Partners Opportunity 

Fund, I, LLC, New York, New York; Moelis 

Capital Partners LLC, New York, New York; 

Moelis & Company Holdings LLC, New York, 

New York; Moelis & Company Manager LLC, 

New York, New York; and Ken Moelis, New 

York, New York; to apply to the Federal Reserve 

Board for permission to acquire more than 10 

percent of the shares of Opportunity 

Bancshares, Inc., Bettendorf, Iowa, and 

indirectly control its subsidiary, Opportunity 

Bank, NA, Richardson, Texas.

OPPORTUNITY BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

04/27/2010

Veritex Holdings, Inc., Dallas, Texas, to become 

a bank holding company by acquiring 100 

percent of Professional Capital, Inc., Dallas, 

Texas, and indirectly acquire Professional Bank, 

N.A., Dallas, Texas.

VERITEX HOLDINGS, 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 3, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Anchor Bancorp, Inc., Lacey, Washington, to 

become a bank holding company by acquiring 

100 percent of Anchor Mutual Savings Bank, 

Aberdeen, Washington, upon conversion from 

a mutual savings bank to a stock savings bank.

ANCHOR BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

01/29/2010

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management, LLC, Carpenter Community 

Bancfund, L.P., Carpenter Community 

Bancfund-A, LP, Carpenter Community 

Bancfund-CA, L.P., SCJ, Inc., and CCFW, Inc., 

all of Irvine, California, to acquire up to 87 

percent of the outstanding voting shares of 

Mission Community Bancorp and thereby 

indirectly acquire a greater controlling interest 

in Mission Community Bank, both of San Luis 

Obispo, California; and 2) Mission Community 

Bancorp and Mission Community Bank, both of 

San Luis Obispo, California, to appoint Stephen 

P. Yost as a director of both Bancorp and Bank.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Franklin Resources, Inc., San Mateo, California, 

to retain 9.53 percent of the voting shares of 

West Coast Bancorp, and thereby indirectly 

West Coast Bank, both of Lake Oswego, 

Oregon, pursuant to Section 3(a)(3) of the Bank 

Holding Company Act.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

12/07/2009

Golden Pacific Bancorp, Inc., Sacramento, 

California, to become a Bank Holding Company 

by acquiring 100 percent of the voting stock of 

Gold Country Financial Services, Inc., and 

indirectly its subsidiary, Gold Country 

Bank,National Association, both of Marysville, 

California.

GOLDEN PACIFIC BANCORP, 

INC.

Newspaper:

Federal Register:

FBSEA

Not applicable

Land Bank of Taiwan Co., Ltd., Taipei, Taiwan, 04/07/2010

to establish a New York branch office pursuant 

to section 211.24(a)(2)(i)(A) of Regulation K.

LAND BANK OF TAIWAN

Newspaper:

Federal Register:

* 3A1

Not available

North Asia Investment Corporation, Seoul, 04/15/2010

Korea, to become a bank holding company by 

acquiring 100 percent of Pacific City Financial 

Corporation, and indirectly its subsidiary, 

Pacific City Bank, both of Los Angeles, 

California.

NORTH ASIA INVESTMENT 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

04/08/2010

One Main Street, LLC, and One Main Street 

Management, LLC, both of New York, New 

York, to become bank holding companies by 

acquiring 100 percent of Liberty Bank, Inc., Salt 

Lake City, Utah.

ONE MAIN STREET, LLC

Newspaper:

Federal Register:

* 3A1 Not available

Not available

SKBHC Holdings, LLC, Corona del Mar, 

California, to become a bank holding company 

by acquiring 100 percent of Starbuck 

Bancshares, Inc. and thereby indirectly First NB 

of Starbuck, both of Starbuck, Minnesota.

SKBHC HOLDINGS, LLC

* 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

 123178 BANK OF WHITMAN, COLFAX, WASHINGTON 11/30/2009 03/16/2010 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act