Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 46 

Week Ending November 12, 2011

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

Forms -- final Board review to extend with revision the Annual Report of Bank 

Holding Companies (FR Y-6), Annual Report of Foreign Banking Organizations 

(FR Y-7), and Report of Changes in Organizational Structure (FR Y-10).

- Approved, November 10, 2011

Monetary and Financial Policy

Term Deposit Facility -- TDF auction of $5 billion in 28-day term deposits on 

November 14, 2011.

- Announced, November 9, 2011

Personnel

Division of Research and Statistics -- appointment of Michael Gibson, William 

Wascher, David Reifschneider, and Janice Shack-Marquez as deputy directors; 

Michael Cringoli as associate director; Jeff Campione and Sandra Cannon as deputy 

associate directors; Elizabeth Kiser, John Stevens, and Stacey Tevlin as assistant 

directors; and Larry Slifman as senior adviser.

- Announced, November 8, 2011

Management Division -- appointment of William Mitchell as deputy director and 

chief financial officer.

- Announced, November 8, 2011

Enforcement

Orion Bank, Naples, Florida -- issuance of consent orders of prohibition against 

Thomas B. Hebble and Angel P. Guerzon Jr., former senior officers and 

institution-affiliated parties of the former bank.

- Announced, November 10, 2011

H.2 Board Actions November 6, 2011 to November 12, 2011

(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

OSD Office of Staff Director

November 6, 2011 to November 12, 2011

Bank Holding Companies

Community First Financial Group, Inc., Chapel Hill, North Carolina -- to become a 

bank holding company on conversion of its subsidiary thrift, Harrington Bank, FSB, 

Chapel Hill, to a state-chartered bank, Harrington Bank.

Richmond

- Withdrawn, November 9, 2011

Macon Financial Corporation, Franklin, North Carolina -- to become a bank holding 

company and to merge with Macon Bancorp, Franklin, and subsequently be renamed 

Macon Bancorp.

Richmond

- Withdrawn, November 9, 2011

Wellesley Bancorp, Inc., Wellesley, Massachusetts -- to acquire Wellesley Bank, 

Wellesley, in connection with its conversion from mutual to stock form.

Boston

- Approved, November 10, 2011

Banks, Nonmember, and Miscellaneous Institutions

McGraw Hill Federal Credit Union, East Windsor, New Jersey -- location 

determination of master account at the Federal Reserve Bank of New York.

Secretary

- Approved, November 9, 2011

(A/C) = Addition or Correction Delegated - 1 of 3
Change in Bank Control

Riverbank Holding Company, Spokane, Washington -- change in bank control of 

Riverbank Holding and its subsidiary bank, Riverbank, Spokane.

San Francisco

- Permitted, November 8, 2011

Extensions of Time

Commerce Bank and Trust Holding Company Employee Stock Ownership Plan, 

Topeka, Kansas -- extension to May 8, 2011, to acquire additional shares of 

Commerce Bank and Trust Holding Company, Topeka, and its subsidiary bank, 

CoreFirst Bank & Trust.

Kansas City

- Granted, November 10, 2011

Compass Bank, Birmingham, Alabama -- extension to January 31, 2012, to establish 

a branch at 15580 East 104th Avenue, Commerce City, Colorado.

Atlanta

- Granted, November 9, 2011

Membership

Macon-Atlanta State Bank, Macon, Missouri -- to become a member of the Federal 

Reserve System.

St. Louis

- Approved, November 9, 2011

H.2 Actions under delegated authority November 6, 2011 to November 12, 2011

(A/C) = Addition or Correction Delegated - 2 of 3
Savings and Loan Holding Companies

Cheviot Mutual Holding Company, Cincinnati, Ohio -- to convert from mutual to 

stock form and to merge with and into Cheviot Financial Corp., Cheviot; and for 

Cheviot Financial Corp. to become a savings and loan holding company and to 

acquire Cheviot Savings Bank.

Cleveland

- Approved, November 10, 2011

H.2 Actions under delegated authority November 6, 2011 to November 12, 2011

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

Federal Reserve Bank of Boston

Filings received during the week ending November 12, 2011

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 November 12, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA

Not applicable

Raiffeisen Bank International AG, Vienna, 11/18/2011

Austria, 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.

RAIFFEISEN BANK 

INTERNATIONAL AG

Newspaper:

Federal Register:

* 3A3 11/30/2011

12/09/2011

Sumitomo Mitsui Financial Group, Inc. and 

Sumitomo Mitsui Banking Corporation, both of 

Tokyo, Japan, to increase their ownership 

interest to hold up to 9.9 percent of the 

outstanding voting shares of The Bank of East 

Asia, Limited, Hong Kong S.A.R., Peoples 

Republic of China, and thereby indirectly 

increase their interest in The Bank of East Asia 

(U.S.A.), N.A., New York, New York, pursuant 

to Section 3(a)(3) of the BHC Act of 1956, as 

amended, and Section 225.15 of Regulation Y.

SUMITOMO MITSUI BANKING 

CORPORATION

* 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 November 12, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

12/02/2011

Messrs. W. Kirk Wycoff, Philadelphia, PA, Ira 

M. Lubert, Philadelphia, PA, and James J. 

Lynch, Philadelphia, PA, collectively to acquire 

up to 18% of Continental Bank Holdings, Inc., 

Plymouth Meeting, PA.

Continental Bank

Newspaper:

Federal Register:

CIC Not available

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:

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

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 November 12, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 12/05/2011

12/05/2011

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

acquire 100 percent of the voting shares of 

Parkvale Financial Corporation, Monroeville, 

Pennsylvania, and thereby indirectly acquire 

Parkvale Savings Bank, Monroeville, 

Pennsylavania

F.N.B. CORPORATION

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 November 12, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

S. Christopher Williford, Wilson, North 

Carolina, to control up to 24.69% of the voting 

shares of CB Financial Corporation, Wilson, 

North Carolina.

CB FINANCIAL CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

EagleBank, Bethesda, Maryland, to establish a 11/09/2011

branch at 2905 District Avenue, Suite 190, 

Fairfax, Virginia

EAGLEBANK

Newspaper:

Federal Register:

* 3A1 Not available

11/01/2011

Security Federal Corporation, Aiken, South 

Carolina, to become a bank holding company 

upon the conversion of Security Federal Bank, 

Aiken, South Carolina, from a federal stock 

savings bank to a state chartered commercial 

bank.

SECURITY FEDERAL 

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 November 12, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Franklin Synergy Bank, Franklin, Tennessee, to 11/19/2011

establish a branch located at 4930 

Thoroughbred Lane, Brentwood, Tennessee.

FRANKLIN SYNERGY BANK

Newspaper:

Federal Register:

* 3A3 12/02/2011

12/05/2011

Independent Bancshares, Inc. Employee Stock 

Ownership Plan, Red Bay, Alabama, to acquire 

an additional 19.30 percent of the outstanding 

shares of Independent Bancshares, Inc., and its 

subsidiary, Community Spirit Bank, both of Red 

Bay, Alabama, along with Spirit Bancshares, 

Inc., and its subsidiary, Spirit Bank, both of 

Belmont, Mississippi. The acquisition will 

increase Independent Bancshares, Inc. 

Employee Stock Ownership Plan's ownership in 

Independent Bancshares, Inc., to 46.47 

Percent.

INDEPENDENT BANCSHARES, 

INC. EMPLOYEE STOCK 

OWNERSHIP PLAN

Newspaper:

Federal Register:

CIC 11/29/2011

12/02/2011

After-the-fact change in control notice filed by 

Richard D. Ross, Leesville, Louisiana, to retain 

control of 25.41 percent of the outstanding 

shares of Merchants & Farmers Bancshares, 

Inc., and its subsidiary, Merchants & Farmers 

Bank & Trust Company, both of Leesville, 

Louisiana.

MERCHANTS & FARMERS 

BANCSHARES, INC.

Newspaper:

Federal Register:

Other Foreign Not applicable

Not available

Raymond James Bank, FSB, St. Petersburg, 

Florida (upon its conversion to a national bank), 

to invest in Raymond James Finance Company 

of Canada, Ltd., Toronto, Ontario, Canada.

RAYMOND JAMES BANK, FSB

* 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 November 12, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 11/23/2011

11/29/2011

Notice by David M. Heuberger, Hampton, Iowa, 

to gain control of A.M. Saylor, Inc., Hampton, 

Iowa, and thereby indirectly First National Bank 

of Hampton, Hampton, Iowa, following his 

appointment as Co-Trustee for the Marcia 

Saylor Mekelburg Trust under Agreement and 

the A.M. Saylor Residuary Trust f/b/o Marcia 

Saylor Mekelburg Trust under Agreement.

A. M. SAYLOR, INCORPORATED

Newspaper:

Federal Register:

* 3A1

4c8

11/12/2011

11/21/2011

Blue Grass Bancorporation, Inc., Corning, 

Iowa,to become a bank holding company by 

acquiring 100% of Okey-Vernon First National 

Bank, Corning, Iowa. Blue Grass 

Bancorporation, Inc. to acquire 1st Choice 

Agency, Corning, Iowa, and engage in 

insurance in small towns.

BLUE GRASS 

BANCORPORATION, INC

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

First Midwest Bank, Itasca, Illinois, to acquire 11/14/2011

certain assets and assume certain liabilities of 

four branches of Old National Bank, Evansville, 

Indiana, and thereby to establish a branch office 

at 2320 S. Route 59, Plainfield, Illinois.

FIRST MIDWEST BANK

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 November 12, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 12/02/2011

12/09/2011

Financial Services Holding Corporation, 

Henderson, Kentucky, to become a bank 

holding company by acquiring 100 percent of 

The Bank of Henderson, Inc., Henderson, 

Kentucky.

FINANCIAL SERVICES HOLDING 

CORPORATION

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Midwest Independent Bank, Jefferson City, 12/05/2011

Missouri, to merge with Nebraska Bankers' 

Bank, Lincoln, Nebraska, and to retain the 

acquired facility as a branch office.

MIDWEST INDEPENDENT 

BANK

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 November 12, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 11/28/2011

12/01/2011

Bitteroot Holding Company, Lolo, Montana, to 

merge with Ravalli County Bankshares, Inc., 

Hamilton, Montana, and thereby indirectly 

acquire Ravalli County Bank, Hamilton, 

Montana, and, also as a result of the merger, to 

increase its ownership of West One Bank, 

Kalispell, Montana, from 34.92% to 63.73%.

BITTERROOT HOLDING 

COMPANY

Newspaper:

Federal Register:

CIC Not available

11/21/2011

Change in control notice by James E. Gaarder, 

Ossining, New York, to retain 25% or more of 

the shares of Citizens State Bancshares, Inc., 

Lankin, North Dakota, and thereby indirectly 

retain control of Citizens State Bank of Lankin, 

Lankin, North Dakota.

CITIZENS STATE 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 11/18/2011

11/22/2011

Change in Control Notice by the Gregory R. 

Raymo Revocable Living Trust Agreement, 

Worthington Minnesota, and Barbara J. Raymo, 

Worthington, Minnesota, individually and as 

Co-Trustee, to join the Gregory Raymo family 

group that currently consists of Gregory 

Raymo, and the First State Bank Southwest 2010 

Amended and Restated KSOP Plan and Trust, 

Worthington, Minnesota, that controls 25 

percent or more of the shares of First Rushmore 

Bancorporation, Inc., Worthington, Minnesota, 

and thereby indirectly gain control of First State 

Bank Southwest, Pipestone, Minnesota.

FIRST RUSHMORE 

BANCORPORATION, INC.

Newspaper:

Federal Register:

CIC 11/21/2011

11/22/2011

Change in control notice by Patrick D. 

Wenning, and Pilar Wenning, both of Mound, 

Minnesota, to retain 10 percent or more of the 

shares of Tradition Bancshares, Inc., Edina, 

Minnesota, and thereby indirectly retain control 

of Tradition Capital Bank, Edina, Minnesota.

TRADITION 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

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 November 12, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

10/11/2011

Bon, Inc.; Goering Financial Holding Company 

Partnership, L.P.; and Goering Management 

Company, L.L.C., all of Moundridge, Kansas, to 

acquire 100 percent of the voting shares of 

Home State Bancshares, Inc., McPherson, 

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

McPherson, Kansas.

BON, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Commerce Bank, Kansas City, Missouri, to 11/19/2011

establish a branch at 8450 East Crescent 

Parkway, Suite 150, Greenwood Village, 

Colorado.

COMMERCE BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

F&M Bank and Trust Company, Tulsa, 

Oklahoma, to establish a branch at 11970 North 

Central Expressway, Suite 210, Dallas, Texas.

F&M BANK & TRUST 

COMPANY, THE

Newspaper:

Federal Register:

Member Not applicable

Not applicable

The First National Bank of Texhoma (to be 

known as Anchor D Bank), Texhoma, Oklahoma, 

to convert from a national to a state charter 

bank and retain its membership with the Federal 

Reserve.

FIRST NATIONAL BANK OF 

TEXHOMA, THE

Newspaper:

Federal Register:

4c8 Not applicable

12/02/2011

Lindoe, Inc., Ordway, Colorado, proposes to 

engage in lending activities.

LINDOE, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending November 12, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 11/04/2011

11/04/2011

SHB Bancorp, Inc., Jonesville, Louisiana, to 

become a bank holding company by acquiring 

100 percent of Southern Heritage Bank, 

Jonesville, Louisiana.

SHB BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

11/08/2011

Woodforest Financial Group Employee Stock 

Ownership Plan (with 401(k) Provisions) 

(Amended and Restated Effective March 1, 

2006) and the related Woodforest Financial 

Group Employee Stock Ownership Trust, The 

Woodlands, Texas, collectively the Applicant, 

to acquire up to 30 percent of Woodforest 

Financial Group, Inc., The Woodlands, Texas, 

and indirectly acquire Woodforest National 

Bank, Houston, Texas.

WOODFOREST FINANCIAL 

GROUP EMPLOYEE STOCK 

OWNERSHIP PLAN (WITH 

401(K) PROVISIONS) (AMENDED 

AND RESTATED EFF. 03/01/06)

* 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 November 12, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

AltaPacific Bank, Santa Rosa, California, to 

merge with Stellar Business Bank, Covina, 

California, and thereby acquire one branch 

office.

ALTAPACIFIC BANK

Newspaper:

Federal Register:

* 18C Not available

Not applicable

California Republic Bank, Newport Beach, 

California, to purchase certain assets and 

assume certain liabilities of the Westlake Village 

branch of National Bank of California, N.A., Los 

Angeles, California.

CALIFORNIA REPUBLIC BANK

Newspaper:

Federal Register:

* 3A3 Not available

12/05/2011

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management Company, LLC, Carpenter 

Community Bancfund, L.P., Carpenter 

Community BanFund -A, L.P., Carpenter 

Community BandFund - CA, L.P., SCJ, Inc., and 

CCFW, Inc., all of Irvine, California, and all 

existing controlling parties, to acquire more than 

24.9% of the voting securities of Pacific 

Mercantile Bancorp, Costa Mesa, California 

through an investment preferred and common 

shares of Pacific Mercantile Bancorp and 

thereby indirectly acquire additional voting 

shares of Pacific Mercantile Bank, Costa Mesa, 

California.

CARPENTER FUND MANAGER 

GP, LLC

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 Not available

11/10/2011

FS Bancorp, Inc.,, Mountlake Terrace, 

Washington, to become a bank holding 

company upon the conversion of 1st Security 

Bank of Washington, Mountlake Terrace, 

Washington, from a state savings bank to a 

commercial bank.

FS BANCORP, 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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act