Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 1 

Week Ending January 7, 2012

Board of Governors of the Federal Reserve System, Washington, DC 20551
Monetary and Financial Policy

Term Deposit Facility -- TDF auction of $3 billion in 28-day term deposits on 

January 9, 2012.

- Announced, January 4, 2012

H.2 Board Actions January 1, 2012 to January 7, 2012

(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

January 1, 2012 to January 7, 2012

MA Monetary Affairs

Bank Holding Companies

Elkhart Financial Corporation, Elkhart, Kansas -- to become a bank holding company 

and to acquire First National Bank of Elkhart, Elkhart.

Kansas City

- Approved, January 6, 2012

First Advantage Bancorp, Clarksville, Tennessee -- to become a bank holding 

company and to acquire First Advantage Bank, Clarksville, on its conversion to a 

state nonmember bank.

Atlanta

- Approved, January 5, 2012

Grandpoint Capital, Inc., Los Angeles, California -- to acquire Regents Bancshares, 

Inc., Vancouver, Washington, and thereby indirectly acquire Regents Bank, N.A., 

La Jolla, California, and to acquire Peoria Holdings, LLC, Vancouver, Washington, 

and engage in loan servicing; extending credit; and holding, management, and 

disposal of other real estate owned.

San Francisco

- Approved, January 6, 2012

Raymond James Financial, Inc., St. Petersburg, Florida -- (1) to become a bank 

holding company and to acquire Raymond James Bank, FSB, St. Petersburg, to be 

known as Raymond James Bank, N.A. on its conversion to a national bank, and 

(2) election to become a financial holding company.

Atlanta

- Approved, January 3, 2012

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

Talen, Inc., Traer, Iowa -- to continue to engage in extending credit and servicing 

loans.

Chicago

- Approved, January 6, 2012

Change in Bank Control

Merchants & Farmers Bancshares, Inc., Leesville, Louisiana -- to retain control of 

Merchants & Farmers and its subsidiary bank, Merchants & Farmers Bank & Trust 

Company, Leesville.

Atlanta

- Permitted, January 5, 2012

Extensions of Time

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga 

Springs, New York -- extension to April 18, 2012, to acquire additional shares of 

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

Company.

New York

- Granted, January 5, 2012

Compass Bank, Birmingham, Alabama -- extension to February 29, 2012, to 

establish a branch at 3045 East Riggs Road, Chandler, Arizona.

Atlanta

- Granted, January 3, 2012

H.2 Actions under delegated authority January 1, 2012 to January 7, 2012

(A/C) = Addition or Correction Delegated - 2 of 4
Extensions of Time

GMAC Common Equity Trust I -- trustee's request, on behalf of General Motors, 

Inc., Detroit, Michigan, to extend the deadline for divesting the shares of Ally 

Financial, Inc. that General Motors holds through the trust.

Director, BS&R

- Granted, December 20, 2011

(A/C)

Inspire Bancshares, Inc., Tomah, Wisconsin -- extension of time to receive comments 

from a commenter on the application to become a bank holding company and to 

acquire Community State Bank, Norwalk.

Secretary

- Granted, January 6, 2012

Financial Holding Companies 

Frontier Holdings, LLC, Omaha, Nebraska, and Frontier Management, LLC -- 

elections to become financial holding companies.

Kansas City

- Effective, January 4, 2012

Membership

Midstate Federal Savings and Loan Association, Baltimore, Maryland -- to become a 

member of the Federal Reserve System on conversion to a state-chartered institution,

Midstate Savings Bank.

Richmond

- Withdrawn, January 6, 2012

H.2 Actions under delegated authority January 1, 2012 to January 7, 2012

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

Washington Savings Bank, Lowell, Massachusetts -- to become a member of the 

Federal Reserve System.

Boston

- Approved, January 6, 2012

Regulations and Policies

Federal Open Market Committee -- minutes of the meeting on December 13 and of 

the conference call on November 28, 2011.

 FOMC

- Published, January 3, 2012

H.2 Actions under delegated authority January 1, 2012 to January 7, 2012

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

Federal Reserve Bank of Boston

Filings received during the week ending January 7, 2012

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 1

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending January 7, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 01/12/2012

01/12/2012

Notice by Mr. Anil Bansal, Wayne, New Jersey, 

to increase his ownership interest in IA 

Bancorp, Inc., from 6.87 percent to 24 percent, 

and thereby indirectly acquire additional voting 

shares of Indus American Bank, both of Iselin, 

New Jersey.

IA BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 12/30/2011

Buffalo, New York, to establish a branch facility 

to be located at Timonium Center I, 1966 

Greenspring Drive, Timonium, Baltimore 

County, Maryland. (RSSD ID 4363785)

MANUFACTURERS AND 

TRADERS 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

 501105 MANUFACTURERS & TRADERS TC, BUFFALO, NEW YORK 05/10/2010 12/01/2011 O Large Bank

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 January 7, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 12/01/2011

12/02/2011

Arthur J. Kania, St. Davids, PA, to acquire up to 

23% of Franklin Security Bancorp, Inc., Wilkes 

Barre, PA.

FRANKLIN SECURITY 

BANCORP, INC.

Newspaper:

Federal Register:

MHC Activity Not applicable

Not available

Northeast Community Bancorp, MHC, White 

Plains, NY to establish an operating subsidiary, 

Northeast Insurance Agency, LLC, White 

Plains, NY, through its subsidiary Northeast 

Community Bank, (the "Bank"), White Plains, 

NY.

NORTHEAST COMMUNITY 

BANCORP, MHC

Newspaper:

Federal Register:

CIC Not available

09/21/2011

Patriot Financial Partners, GP, L.P., Patriot 

Financial Partners, L.P., Patriot Financial 

Partners Parallel, L.P., Patriot Financial Partners, 

GP, LLC, Patriot Financial Managers, L.P., 

Patriot Financial Manager, LLC. and Messrs. Ira 

M. Lubert, W. Kirk Wycoff and James J. Lynch, 

all of Philadelphia, Pennsylvania, to purchase 

up to 24.9 percent of Porter Bancorp, Inc., 

Louisville, KY.

PATRIOT FINANCIAL 

PARTNERS LP

* 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

 765019 BRYN MAWR TC, BRYN MAWR, PENNSYLVANIA 06/20/2011 12/09/2011 S Large Bank

 342410 ORRSTOWN BK, SHIPPENSBURG, PENNSYLVANIA 05/02/2011 11/23/2011 O Int Sm Bank

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 January 7, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 01/30/2012

02/02/2012

Application by KeyCorp, Cleveland, Ohio,to 

retain, in a fiduciary capacity, 9.75% of the 

outstanding voting shares of Mechanics 

Financial Corporation, Mansfield, Ohio, 

pursuant to Section 3(a)(3) of the Bank Holding 

Company Act

KEYCORP

* 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

 1445943 WHITAKER BK, LEXINGTON, KENTUCKY 08/08/2011 12/09/2011 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 January 7, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

02/03/2012

BB&T Corporation, Winston-Salem, North 

Carolina, to acquire 100% of the voting 

securities of BankAtlantic, Fort Lauderdale, 

Florida, a federal savings association.

BB&T CORPORATION

Newspaper:

Federal Register:

CIC 01/11/2012

01/12/2012

Gregory Allen Turnage, Wilson, North Carolina, 

to individually acquire up to 31.26% of CB 

Financial Corporation, Wilson, North Carolina. 

Additionally, Gregory Allen Turnage, Leonard 

Turnage Marital Trust B and the Leonard 

Turnage Funded Irrevocable Trust (trustees, 

Teresa Turnage Finch and Gregory Allen 

Turnage), Teresa Turnage Finch, David Allen 

Turnage and Rebecca Nicole Turnage, all of 

Wilson, North Carolina, and Jamie Danielle 

Turnage of Wilmington, North Carolina, as a 

group acting in concert, to collectively acquire 

up to 38.22% of the voting shares of CB 

Financial Corporation.

CB FINANCIAL CORPORATION

Newspaper:

Federal Register:

* 3A1

4c8

01/20/2012

01/27/2012

First Financial Holdings, Inc., Charleston, South 

Carolina, to become a bank holding company 

upon the conversion of First Federal Savings 

and Loan Association, Charleston, South 

Carolina, to a state chartered commercial bank.

FIRST FINANCIAL HOLDINGS 

INC.

Newspaper:

Federal Register:

* SLHC Not available

Formation Not available

HomeTrust Bancshares, Inc., Clyde, North 

Carolina, to become a savings and loan holding 

company upon the conversion of HomeTrust 

Bank, Clyde, North Carolina, from a mutual to 

stock form of ownership.

HOMETRUST BANCSHARES, 

INC.

* Subject to the provisions of the Community Reinvestment Act
District: 5

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 34425 BANK OF LANCASTER, KILMARNOCK, VIRGINIA 08/15/2011 11/14/2011 S Int Sm Bank

 813572 CECIL BK, ELKTON, MARYLAND 08/22/2011 11/24/2011 S Int Sm Bank

 2652092 EAGLEBANK, BETHESDA, MARYLAND 07/25/2011 11/09/2011 S Large 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 January 7, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/25/2012

Prior change in control notice filed by George 

Michael Schweitzer, Miami, Florida, to acquire 

up to 1.26 percent of the outstanding shares of 

Biscayne Bancshares, Inc. and its subsidiary 

bank, Biscayne Bank, both of Coconut Grove, 

Florida. Total pro forma ownership will equal 

12.85 percent.

BISCAYNE BANCSHARES, INC.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 861434 ALIANT BK, ALEXANDER CITY, ALABAMA 05/16/2011 11/17/2011 S Large 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 January 7, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

First Bank & Trust, Evanston, Illinois, to 

establish a branch facility to be located at 55 

Shuman Boulevard, Suite 100, Naperville, 

Illinois.

FIRST BANK & TRUST

Newspaper:

Federal Register:

* 3A1 Not available

01/06/2012

Inspire Bancshares, Inc., Tomah, Wisconsin, to 

become a bank holding company by acquiring 

100 percent of the voting shares of Community 

State Bank, Norwalk, Wisconsin.

INSPIRE BANCSHARES INC

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Helen P. Johnson-Leipold, Imogene P. 

Johnson, The Herbert F. Johnson Family Trust 

dated March 7, 1967 ("HFJ Trust"), Imogene P. 

Johnson as trustee for HFJ Trust and various 

other Johnson family trusts, Imogene P. 

Johnson as controlling shareholder for various 

Johnson family companies, the Johnson 

Financial Group, Inc. Voting Trust ("Johnson 

Voting Trust"), Helen P. Johnson-Leipold as 

trustee for the Johnson Voting Trust and 

various other family trusts and Helen P. 

Johnson-Leipold as controlling shareholder for 

various Johnson family companies (all of 

Racine, Wisconsin) to acquire 25 percent or 

more of the voting shares of Johnson Financial 

Group, Inc., Racine, Wisconsin, and thereby 

indirectly acquire Johnson Bank, Racine, 

Wisconsin.

JOHNSON FINANCIAL GROUP, 

INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Pinnacle Bank, Marshalltown, Iowa, to purchase 01/12/2012

certain assets and assume certain liabilities of 

the Home Federal Savings Bank, Rochester, 

Minnesota, branch located at 1301 South 

County Road, Toledo, Iowa. Pinnacle Bank will 

establish an office at 1301 South County Road, 

Toledo, Iowa, upon consummation of the 

proposal.

PINNACLE BANK

Newspaper:

Federal Register:

CIC Not available

01/23/2012

Notice by Thomas Benton Hunter, III, Lake 

Forest, Illinois, as trustee of the Hunter 2012 

Annuity Trust, and the Hunter 2012 Annuity 

Trust, Chicago, Illinois, to acquire shares, and 

thereby join the existing Steans Family Control 

Group of Taylor Capital Group, Inc., Rosemont, 

Illinois.

TAYLOR CAPITAL GROUP, 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

 813947 ALPINE B&TC, ROCKFORD, ILLINOIS 06/06/2011 11/07/2011 S Int Sm Bank

 45551 BANK MIDWEST, SPIRIT LAKE, IOWA 07/11/2011 12/05/2011 S Int Sm Bank

 2339795 LIBERTYVILLE B&TC, LIBERTYVILLE, ILLINOIS 09/20/2010 11/07/2011 S Large 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 January 7, 2012

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

 2577739 BANK OF JACKSON, JACKSON, TENNESSEE 08/15/2011 11/14/2011 S Small Bank

 266945 MONTICELLO BKG CO, MONTICELLO, KENTUCKY 07/11/2011 11/30/2011 S Int Sm Bank

 1213777 TRUMAN BK, SAINT LOUIS, MISSOURI 08/08/2011 11/04/2011 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 January 7, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/18/2012

Change in Control Notice by the Gladys E. 

Youse Trust, and its trustee, Madolyn Y. 

Babcock, both of Minneapolis, Minnesota, to 

acquire 25% or more of Metro North 

Bancshares, Inc. and thereby indirectly acquire 

control of The Bank of Elk River, both of Elk 

River, Minnesota. Additionally, the Gladys E. 

Youse Trust, and its trustee, Madolyn Y. 

Babcock, propose to join the Babcock family 

shareholder group, which controls 25% or more 

of Metro North Bancshares, Inc.

METRO NORTH BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A3 01/30/2012

02/06/2012

Perham State Bancshares, Inc., Perham, 

Minnesota, to acquire 100 percent of Farmers 

State Bank of Dent, Dent Minnesota.

PERHAM STATE BANCSHARES, 

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

 223751 BELT VALLEY BK, BELT, MONTANA 08/29/2011 12/13/2011 S Small Bank

 813853 COMMUNITY RESOURCE BK, NORTHFIELD, MINNESOTA 08/01/2011 11/28/2011 S Small Bank

 289757 MERCHANTS ST BK, FREEMAN, SOUTH DAKOTA 08/15/2011 11/28/2011 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 January 7, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 01/19/2012

01/23/2012

Central Financial Corporation, Hutchinson, 

Kansas, to acquire .25 percent, for a total of 7.05 

percent, of the voting shares of TTAC Corp., 

parent of Community First National Bank, both 

in Manhattan, Kansas.

CENTRAL FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

Member

* 18C

* Branch

Not available

First Financial Corporation, Wellington, Kansas, 

to acquire 100 percent of the voting shares of 

The Caldwell State Bank in Caldwell, Caldwell, 

Kansas. The Caldwell State Bank in Caldwell, 

Caldwell, Kansas, to become a member of the 

Federal Reserve System. The First National 

Bank in Wellington, Wellington, Kansas, to 

merge with The Caldwell State Bank in Caldwell, 

Caldwell, Kansas, and to operate under the 

charter and title of Impact Bank, Wellington, 

Kansas. Impact Bank, Wellington, Kansas, to 

establish a branch office at the former main 

office of The Caldwell State Bank in Caldwell, 

located at 24 N. Main Street, Caldwell, Kansas.

FIRST FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

02/02/2012

Teton Financial Services, LLC, Wilson, 

Wyoming, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of Rocky Mountain Bank, 

Wilson, Wyoming.

TETON FINANCIAL SERVICES, 

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

 862057 BANK OF CMRC, CHANUTE, KANSAS 08/29/2011 11/30/2011 S Small Bank

 152057 BANK OF COMMERCE, CHELSEA, OKLAHOMA 09/26/2011 12/16/2011 S Small Bank

 59754 BANK OF WYANDOTTE, WYANDOTTE, OKLAHOMA 08/22/2011 11/21/2011 S Small Bank

 989758 BANKWEST OF KANSAS, GOODLAND, KANSAS 09/12/2011 12/08/2011 S Small Bank

 56557 COBIZ BK, DENVER, COLORADO 08/15/2011 12/09/2011 S Large Bank

 701950 KCB BK, KEARNEY, MISSOURI 08/22/2011 11/24/2011 S Small Bank

 1972298 MY BK, BELEN, NEW MEXICO 08/29/2011 11/29/2011 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending January 7, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Dallas, Texas to establish a 

mobile branch to stop at 23500 Cristo Rey Drive, 

Cupertino, Santa Clara County, California 95014.

COMERICA 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

 495857 MEMPHIS ST BK, MEMPHIS, TEXAS 07/18/2011 12/26/2011 S Small 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 January 7, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/27/2011

Interagency Notice of Change in Control by 

Montlake Capital II, L.P, a limited partnership 

and Montlake Capital II-B, L.P., a limited 

partnership, Seattle, Washington, to acquire 

voting shares of Coastal Financial Corporation, 

and thereby indirectly acquire Coastal 

Community Bank, both of Everett, Washington; 

and 2)Coastal Financial Corporation and Coastal 

Community Bank, both of Everett, Washington 

to appoint Andrew Russell Dale as a Director.

COASTAL FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1 01/12/2012

01/17/2012

Private Bancorp of America, Inc., to become a 

bank holding company by acquiring 100 percent 

of San Diego Private Bank, both of La Jolla, 

California.

PRIVATE BANCORP OF 

AMERICA, INC.

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 795968 BANK OF HAWAII, HONOLULU, HAWAII 04/25/2011 11/28/2022 O Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act