Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 17 

Week Ending April 28, 2012

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

Division of Banking Supervision and Regulation -- appointment of Tim Clark as 

senior associate director.

- Announced, April 26, 2012

Enforcement

Community First, Inc., Columbia, Tennessee -- written agreement with the Federal 

Reserve Bank of Atlanta.

- Announced, April 25, 2012

Community West Bancshares, Goleta, California -- written agreement with the 

Federal Reserve Bank of San Francisco.

- Announced, April 24, 2012

North Valley Bancorp, Redding, California, and North Valley Bank -- written 

agreement dated January 6, 2010, terminated April 16, 2012.

- Announced, April 24, 2012

North Valley Bank, Zanesville, Ohio -- written agreement dated May 4, 2010, 

terminated April 19, 2012.

- Announced, April 25, 2012

Pacific International Bancorp, Seattle, Washington -- written agreement with the 

Federal Reserve Bank of San Francisco.

- Announced, April 24, 2012

Truman Bank, Clayton, Missouri -- issuance of a prompt corrective action directive 

with the consent of the bank.

- Announced, April 24, 2012

H.2 Board Actions April 22, 2012 to April 28, 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

April 22, 2012 to April 28, 2012

MA Monetary Affairs

Bank Branches, Domestic

CFG Community Bank, Towson, Maryland -- to establish a branch at 11 West 

Ridgely Road, Lutherville.

Richmond

- Approved, April 26, 2012

StellarOne Bank, Christiansburg, Virginia -- to establish a branch at 5711 Patterson 

Avenue, Richmond.

Richmond

- Approved, April 26, 2012

StellarOne Bank, Christiansburg, Virginia -- to establish a branch at 4505 Columbus 

Street, Suite 100, Virginia Beach.

Richmond

- Approved, April 26, 2012

Bank Holding Companies

Bryn Mawr Bank Corporation, Bryn Mawr, Pennsylvania -- to acquire Davidson 

Trust Company, Devon, and thereby engage in trust services, brokerage services, and 

financial and investment advisory services.

Secretary

- Approved, April 24, 2012

(A/C) = Addition or Correction Delegated - 1 of 5
Bank Holding Companies

First Community Bancshares, Inc., Bluefield, Virginia -- to acquire Peoples Bank of 

Virginia, Richmond; and for First Community's subsidiary bank, First Community 

Bank, Bluefield, to merge with Peoples Bank of Virginia and thereby establish 

branches.

Richmond

- Approved, April 27, 2012

Grandpoint Capital, Inc., Los Angeles, California, and Grandpoint Bank -- request 

for an exemption under the Depository Institution Management Interlocks Act and 

Regulation L.

San Francisco

- Granted, April 24, 2012

PSB Holdings, Inc., Wausau, Wisconsin -- to acquire Marathon State Bank, 

Marathon.

Chicago

- Approved, April 27, 2012

Bank Mergers

First Federal Bank, Charleston, South Carolina -- to acquire assets and assume 

liabilities of Plantation Federal Bank, Pawleys Island.

Richmond

- Approved, April 27, 2012

Pacific Premier Bank, Costa Mesa, California -- to acquire Palm Desert National 

Bank, Palm Desert, and thereby establish a branch.

San Francisco

- Approved, April 27, 2012

H.2 Actions under delegated authority April 22, 2012 to April 28, 2012

(A/C) = Addition or Correction Delegated - 2 of 5
Bank Mergers

Sonabank, McLean, Virginia -- to acquire assets and assume liabilities of HarVest 

Bank of Maryland, Rockville, Maryland.

Richmond

- Approved, April 26, 2012

Banks, Foreign

Banca Civica, S.A., Madrid, Spain -- to establish a representative office in 

Washington, D.C.

Richmond

- Withdrawn, April 27, 2012

Change in Bank Control

BNCCORP, Inc., Bismarck, North Dakota -- change in bank control of BNCCORP 

and its subsidiary bank, BNC National Bank, Glendale, Arizona.

Minneapolis

- Withdrawn, April 27, 2012

FNB Bancshares, Inc., Blue Earth, Minnesota -- to retain control of FNB Bancshares 

and its subsidiary bank, First Bank Blue Earth, Blue Earth.

Minneapolis

- Returned, April 25, 2012

My Anns Corporation, Piqua, Kansas -- to retain control of My Anns Corporation 

and its subsidiary bank, Piqua State Bank, Piqua.

Kansas City

- Permitted, April 23, 2012

H.2 Actions under delegated authority April 22, 2012 to April 28, 2012

(A/C) = Addition or Correction Delegated - 3 of 5
Change in Bank Control

PSB BancGroup, Inc., Lake City, Florida -- change in bank control of 

PSB BancGroup and its subsidiary bank, Peoples State Bank, Lake City.

Atlanta

- Permitted, April 24, 2012

Extensions of Time

Oceanic Bank Holding, Inc., San Francisco, California -- request for an extension of 

the term of the voting trust arrangement established to hold the shares of Oceanic 

Bank Holding, Inc., San Francisco, and indirectly Oceanic Bank.

General Counsel and Director, BS&R

- Granted, April 24, 2012

The PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania -- extension to 

January 1, 2014, of the first-floor-period start date under the advanced approaches 

risk-based capital rule for bank holding companies.

Chair, Committee on Bank Supervision

- Granted, April 24, 2012

TD Bank US Holding Company, Portland, Maine -- extension to July 1, 2014, of the 

first-floor-period start date under the advanced approaches risk-based capital rule for 

bank holding companies.

Chair, Committee on Bank Supervision

- Granted, April 24, 2012

H.2 Actions under delegated authority April 22, 2012 to April 28, 2012

(A/C) = Addition or Correction Delegated - 4 of 5
Savings and Loan Holding Companies

Deere & Company, Moline, Illinois -- partial exemption and temporary relief from 

certain regulatory reporting requirements.

Director, BS&R

- Granted, April 24, 2012

Everence Association, Inc., Goshen, Indiana, and Everence Holdings, Inc. -- 

temporary relief from certain regulatory reporting requirements.

Director, BS&R

- Granted, April 24, 2012

H&R Block, Inc., Kansas City, Missouri; Block Financial, LLC; and H&R Block 

Group, Inc., Nassau, The Bahamas -- temporary relief from certain regulatory 

reporting requirements.

Director, BS&R

- Granted, April 24, 2012

H.2 Actions under delegated authority April 22, 2012 to April 28, 2012

(A/C) = Addition or Correction Delegated - 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending April 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

05/01/2012

Notification by Kevin P. Meehan to acquire up 

to 53.18% of the outstanding shares of the 

common stock of MNB Bancorp, Milford, 

Massachusetts pursuant to the Change in Bank 

Control Act of 1978.

MNB BANCORP

Newspaper:

Federal Register:

CIC Not available

Not available

Notification by Frederick W. Tausch to acquire 

25% or more of the outstanding shares of 

Monadnock Bancorp, Inc., Peterborough, New 

Hampshire pursuant to the Change in Bank 

Control Act of 1978.

MONADNOCK BANCORP, INC.

* 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 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

The Adirondack Trust Company, Saratoga 

Springs, New York, provides notice to increase 

its investment in bank premises, pursuant to 

Section 24A of the Federal Reserve Act and 

Section 208.21 of Regulation H.

ADIRONDACK TRUST 

COMPANY, THE

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco Pine S.A., Sao Paulo, Brazil, 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.

BANCO PINE S.A.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

NongHyup Bank, Seoul, South Korea, to 

establish a representative office in New York, 

New York, pursuant to Section 211.24 of 

Regulation K.

NONGHYUP BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

RSB Bancorp, MHC and RSB Bancorp, Inc., 

both of Roselle, New Jersey, to become bank 

holding companies by acquiring 100 percent of 

Roselle Savings Bank, Roselle, New Jersey.

RSB Bancorp, MHC

* 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

 541101 BANK OF NY MELLON, NEW YORK, NEW YORK 09/12/2011 04/19/2012 S Whole/Ltd Purp

 3277241 EMPIRE STATE BK, NEWBURGH, NEW YORK 08/01/2011 04/25/2012 S Small Bank

 229913 MIZUHO CORP BK USA, NEW YORK, NEW YORK 01/09/2012 04/25/2012 O Whole/Ltd Purp

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 3

Federal Reserve Bank of Philadelphia

Filings received during the week ending April 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

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 April 28, 2012

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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending April 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Clear Mountain Bank, Bruceton Mills, West 05/09/2012

Virginia, to establish a branch at 1085 Van 

Voorhis Road, Suite 150, Morgantown, West 

Virginia

CLEAR MOUNTAIN BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Mr. James R. Wilkins, III, Winchester, Virginia, 

to control up to 13.00% of the voting shares of 

First National Corporation, Strasburg, Virginia.

FIRST NATIONAL 

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

 310875 SHORE BK, ONLEY, VIRGINIA 01/31/2011 04/16/2012 S Int Sm 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 April 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 05/20/2012

05/24/2012

Capital Bank Financial Corp., Miami, Florida, to 

merge with Southern Community Financial 

Corporation, and thereby acquire its subsidiary, 

Southern Community Bank & Trust Company, 

both of Winston-Salem, North Carolina.

CAPITAL BANK FINANCIAL 

CORP.

Newspaper:

Federal Register:

* 3A5 Not available

05/14/2012

IBERIABANK Corporation, Lafayette, 

Louisiana, to merge with Florida Gulf Bancorp, 

and its subsidiary, Florida Gulf Bank, both of 

Fort Myers, Florida.

IBERIABANK CORPORATION

Newspaper:

Federal Register:

CIC

Not available

Prior Change in control notice filed by Bixby 05/04/2012

Bridge Financial Trust, and David D. Colburn, 

as Trustee both of Northbrook, Illinois, to 

collectively acquire up to 91.27 percent voting 

stock, and 21.90 percent of non-voting stock of 

PCNB Bancshares, Inc., and its subsidiary, 

Peoples Community Bank, both of Bremen, 

Georgia.

PCNB BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

USAmeriBank, Clearwater, Florida, to establish a 04/30/2012

branch located at405 N. Westshore Boulevard, 

Tampa, Florida, to be known as the Westshore 

Branch.

USAMERIBANK

Newspaper:

Federal Register:

* 3A1 05/20/2012

05/24/2012

Winston 23 Corporation, Miami, Florida, to 

become a bank holding company by acquiring 

100 percent of the outstanding shares of 

Southern Community Financial Corporation, and 

its subsidiary, Southern Community Bank & 

Trust Company, both of Winston-Salem, North 

Carolina.

WINSTON 23 CORPORATION

* 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

 808176 IBERIABANK, LAFAYETTE, LOUISIANA 06/13/2011 04/30/2012 S Large Bank

 675332 SUNTRUST BK, ATLANTA, GEORGIA 10/12/2010 04/25/2012 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 April 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/27/2012

The Gus J. Lukas and Lorraine J. Lukas 2006 

Trust for Lori J. Foy ("Trust"), and Lori J. Foy, 

Grafton, Wisconsin, individually and as trustee 

of Trust, and Lori J. Foy, together as a group 

acting in concert with Trust, Lori J. Foy as 

trustee, Paul Foy, Grafton, Wisconsin, John 

Lukas, Manitowoc, Wisconsin, Mark Lukas, 

Manitowoc, Wisconsin, and the Foy minor 

children, to retain control of 25 percent or more 

of the outstanding shares of Community 

Bancshares of Wisconsin, Inc., Grafton, 

Wisconsin, and thereby indirectly retain control 

of Cornerstone Community Bank, Grafton, 

Wisconsin.

COMMUNITY BANCSHARES OF 

WISCONSIN, INC.

Newspaper:

Federal Register:

CIC Not available

05/02/2012

The Lumpkin Family Foundation, Pinon Tree 

Holding Company, LLC, SKL Investment Group, 

LLC, Benjamin I. Lumpkin GRIT (Trustees: 

Steven L. Grissom and David R. Hodgman) and 

Elizabeth L. Celio GRIT (Trustees: Steven L. 

Grissom and David R. Hodgman), all of 

Mattoon, Illinois, Richard A. Lumpkin 1970 

Trust, of New York, New York, Anne R. Sparks, 

John W. Sparks and Zachary Whitten, all of 

Albuquerque, New Mexico, Benjamin I. 

Lumpkin, of Chicago, Illinois, Elizabeth L. Celio, 

of Oak Park, Illinois, Barbara S. Federico, of 

Lantana, Florida, Christina S. Duncan and Ila 

Duncan, both of Wilton, Connecticut, Pamela R. 

Keon, Elizabeth Vitale and William Vitale, all of 

Mill Valley, California, Margaret DeWyngaert, 

Isabelle DeWyngaert and Susan K. 

DeWyngaert, all of Philadelphia, Pennsylvania, 

Joseph J. Keon III, of Greenbrae, California, 

Katherine S. Keon, of San Francisco, California, 

and Margaret K. Partridge-Hicks and Richard A. 

Lumpkin, both of Mattoon, Illinois, who are 

individual members of the Lumpkin family and 

entities controlled by and trusts created for the 

benefit of individuals who are members of the 

Lumpkin family, and as trustees for other 

Lumpkin family trusts, as a group acting in 

concert, intend to apply to the Federal Reserve 

Board for permission to acquire 25 percent or 

more of the shares and thereby control of First 

Mid-Illinois Bancshares, Inc. of Mattoon, 

Illinois. First Mid-Illinois Bancshares, Inc., 

controls First Mid-Illinois Bank & Trust, N.A., 

1515 Charleston Avenue, Mattoon, Illinois 

61938.

FIRST MID-ILLINOIS 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

GNB Bank, Grundy Center, Iowa, to merge with 

First State Bank, Manchester, Iowa. As a result 

of the merger, GNB Bank will establish a branch 

at 300 East Main, Manchester, Iowa.

GNB BANK

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

Federal Reserve Bank of Chicago

Filings received during the week ending April 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

05/09/2012

Sheldon B. Lubar, River Hills, Wisconsin, 

individually, and as part of a group acting in 

concert, with Marianne S. Lubar, River Hills, 

Wisconsin, David J. Lubar, Fox Point, 

Wisconsin, Susan Lubar Solvang, Mequon, 

Wisconsin, and Joan P. Lubar, Fox Point, 

Wisconsin, to acquire control of Ixonia 

Bancshares, Inc., Ixonia, Wisconsin, and 

thereby to indirectly acquire control of ISB 

Community Bank, Ixonia, Wisconsin.

IXONIA BANCSHARES, INC.

Newspaper:

Federal Register:

Other Foreign Not applicable

Investment 05/15/2012

Lake Forest Bank & Trust Company, Lake 

Forest, Illinois, to establish FIFC Edge 

International Corporation, Lake Forest, Illinois, 

as an Edge Corporation, to invest in excess of 

ten percent of capital and surplus in FIFC Edge 

International Corporation and through FIFC 

Edge International Corporation, to invest in a 

new foreign organization, First Insurance 

Funding of Canada, Toronto, Ontario, and to 

acquire 100 percent of the outstanding stock of 

Macquarie Premium Funding, Inc., Toronto, 

Ontario, and thereby engage in the act of 

insurance premium finance lending.

LAKE FOREST BANK & TRUST 

COMPANY

Newspaper:

Federal Register:

CIC Not available

04/23/2012

The Duncan, Hrvol, and Molzen Families 

consisting of E. Ray Duncan, individually and 

as beneficiary of the Hardware State Bank 401K 

Plan and as beneficiary of the Sullivan 

Bancshares, Inc. Employee Savings and 

Retirement Plan, together as a group acting in 

concert with Sally Foley Duncan and Sally 

Foley Duncan, as Trustee of the John K. Foley 

Revocable Living Trust and as beneficiary of 

the Hardware State Bank 401K Plan, the John K. 

Foley Revocable Living Trust, and Gloria Foley, 

all of Lovington, Illinois, and Paul Michael 

Hrvol, Jr. and Paul Michael Hrvol, Jr,. as 

beneficiary of the Sullivan Bancshares, Inc. 

Employee Savings and Retirement Plan, 

Michelle Beth Hrvol and Michelle Beth Hrvol, 

as beneficiary of the Sullivan Bancshares, Inc. 

Employee Savings and Retirement Plan, all of 

Sullivan, Illinois, and Roger Reid Molzen and 

Roger Reid Molzen, as beneficiary of the 

Sullivan Bancshares, Inc. Employee Savings 

and Retirement Plan and Christina DeAnne 

Molzen, all of Sullivan, Illinois, collectively as a 

group acting in concert, to retain shares of 

Moultrie Bancorp, Inc., Lovington, Illinois and 

thereby indirectly control Hardware State Bank, 

Lovington, Illinois.

MOULTRIE BANCORP, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending April 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 05/16/2012

05/18/2012

Northeast Indiana Bancorp, Inc., Huntington, 

Indiana, to become a bank holding company by 

acquiring 100 percent of the voting shares of 

First Federal Savings Bank, Huntington, 

Indiana.

NORTHEAST INDIANA 

BANCORP, INC

Newspaper:

Federal Register:

CIC Not available

04/16/2012

Frank A. Peplinski, David Peplinski, Jerry 

Peplinski, Jerry Peplinski, as trustee of the 

Peplinski Family 2012 Trust, and the Peplinksi 

Family 2012 Trust, Terry Peplinski, Lynda 

Watchowski, Lauren Peplinski, Crystal Stomack, 

Nicole Peplinski, Brandon Watchowski (all of 

Ubly, Michigan) and certain of their minor 

children as a group acting in concert, to acquire 

25 percent or more of the shares and thereby 

control of Northstar Financial Group, Inc and 

indirectly, Northstar Bank, Bad Axe, Michigan 

and Seaway Community Bank, St, Clair, 

Michigan.

NORTHSTAR FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

CIC Not available

04/16/2012

Lynette Drake, as an individual, Lynette Drake 

as trustee of the Roberts Family, 2012 Trust, and 

the Roberts Family 2012 Trust, Maria Roberts, 

Maria Roberts, as trustee of the Ryan J. Roberts 

Trust, the Ryan J. Roberts Trust, Jeffrey 

Roberts, and Austin Drake (all of Bad Axe, 

Michigan) and certain of their minor children as 

a group acting in concert, to acquire 25 percent 

or more of the shares and thereby control of 

Northstar Financial Group, Inc., and indirectly, 

Northstar Bank, Bad Axe, Michigan, and 

Seaway Community Bank, St, Clair, Michigan.

NORTHSTAR FINANCIAL 

GROUP, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending April 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/09/2012

Notice by Steven D. Spector of Glenview, 

Illinois, as an individual and as trustee of the 

Alan L. Spector GST Family Trust, the Walter 

W. Spector, Steven D. Spector, Andrew M. 

Spector, and Nancy S. Spector Dynasty Trusts, 

and two Phillip J. Spector GST Trusts and as a 

group working in concert with Steven D. 

Spector, Walter W. Spector of Saratoga, 

California, Andrew M. Spector of Bexley, Ohio, 

Nancy S. Spector of Chicago, Illinois, the Phillip 

J. Spector GST Trust - FBO Michael Spector, 

Michael Spector, of Bettendorf, Iowa, and 

Steven Spector trustees, the Phillip J. Spector 

GST Trust - FBO Shelley Caesar, Shelley Caesar 

of Fox River Grove, Illinois, and Steven D. 

Spector trustees, and the Alan L. Spector GST 

Family Trust, the Walter W. Spector Dynasty 

Trust, the Steven D. Spector Dynasty Trust, the 

Andrew M. Spector Dynasty Trust, the Nancy 

S. Spector Dynasty Trust (Steven D. Spector 

trustee) to acquire and/or retain 25 percent or 

more of the shares of Spector Properties, Inc., 

Chicago, Illinois and thereby indirectly 

acquire/retain control of Andalusia Community 

Bank, Andalusia, Illinois.

SPECTOR PROPERTIES, INC

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Town Bank, Hartland, Wisconsin, to establish a 

branch facility to be located at N72 W13435 

Jacob Lane, Menomonee Falls, Wisconsin.

TOWN 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

 280044 BAYLAKE BK, STURGEON BAY, WISCONSIN 08/22/2011 04/19/2012 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 April 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

First State Bank of St. Robert, Waynesville, 

Missouri, to increase its investment in bank 

premises in the amount of $3.7 million.

FIRST STATE BANK OF ST. 

ROBERT

Newspaper:

Federal Register:

* Branch

Not applicable

Summit Bank, Arkadelphia, Arkansas, to 05/03/2012

establish a branch facility to be located at 545 

Salem Road, Conway, Arkansas.

SUMMIT 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

 2505787 SUMMIT BK, ARKADELPHIA, ARKANSAS 01/09/2012 04/23/2012 S Large 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 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Community Bank, Inc., Ronan, Montana, to 

merge with Community Bank-Missoula, Inc., 

Missoula, Montana, and incident thereto, 

establish three branches in Missoula.

COMMUNITY BANK, INC.

Newspaper:

Federal Register:

* 3A3 Not available

* 18C 04/30/2012

Leackco Banking Holding Company, Inc., 

Wolsey, South Dakota, to acquire 100% of ASB 

Bank Holding Company, Pierre, South Dakota, 

and thereby indirectly acquire American State 

Bank of Pierre, Pierre, South Dakota. In addition, 

American State Bank of Pierre to merge with 

ASB Interim Bank, Wessington Springs, South 

Dakota, and to remain the resultant bank.

LEACKCO BANK HOLDING 

COMPANY, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

State Bank Financial, La Crosse, Wisconsin, to 05/07/2012

establish a branch facility to be located at 3956 

and 4020 Mormon Coulee Road, La Crosse, 

Wisconsin.

STATE BANK FINANCIAL

* 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 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Exchange Bank of Missouri, Fayette, Missouri, 05/04/2012

to establish a branch at 923 & 929 W. Vest 

Street, Marshall, Missouri.

EXCHANGE BANK OF 

MISSOURI

Newspaper:

Federal Register:

CIC Not available

Not available

Roy M. Wilbur Trust #1; Roy and Suzanne 

Wilbur, Trustees of the Roy M. Wilbur Trust 

#1; Marlis A. Wilbur, individually; Ruby Reece 

Trust; Marlis Wilbur, Trustee of the Ruby 

Reece Trust; all from Salina, Kansas; and Brock 

M. Wilbur, Los Angeles, California; and Brooke 

Wilbur Vinson, Roeland Park, Kansas; as a 

group acting in concert, to acquire control of 

Sixth Bancshares, Inc., parent of Bank VI, both 

in Salina, Kansas.

SIXTH BANCSHARES, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 776659 BANK AT BROADMOOR, COLORADO SPRINGS, COLORADO 11/14/2011 02/03/2012 S Small Bank

 288853 FIRSTBANK, LAKEWOOD, COLORADO 10/24/2011 02/08/2012 O Int Sm Bank

 2465881 PLATTE VALLEY BK, SCOTTSBLUFF, NEBRASKA 01/17/2012 04/20/2012 O 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 April 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

05/11/2012

B2B Holdings, Inc., Houston, Texas, to become 

a bank holding company by acquiring 100 

percent of Stockmens National Bank in Cotulla, 

Cotulla, Texas.

B2B HOLDINGS, INC.

Newspaper:

Federal Register:

CIC Not available

03/21/2012

Mission-Heights Capital, Ltd., Houston, Texas, 

and Mission-Heights, LLC, Houston, Texas, 

general partner; and Charles Robert Miller, Jr., 

Odem, Texas, individually, intend to apply to 

the Federal Reserve Board for permission to 

acquire 25 percent or more of the shares of 

Odem Bancshares, Inc., Odem, Texas, and 

thereby indirectly obtain control of First State 

Bank of Odem, Odem, Texas., in association 

with a request by Mission-Heights Capital, Ltd., 

to be treated as a Qualified Family Partnership 

(QFP).

ODEM BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

05/09/2012

Notice by Ray Mark Bain, Lubbock, Texas, 

individually, as co-trustee of the RMB 2012 

Family Trust, trustee of the Ray Mark Bain 2007 

Trust, and trustee of the Ray Mark Bain 

Children's Trusts; Michael Lewis Bain, Canyon, 

Texas, individually, as co-trustee of the RMB 

2012 Family Trust, trustee of the Michael L. Bain 

2007 Trust, and trustee of the Michael L. Bain 

Children's Trusts; Nancy Bain Seybert, 

Perryton, Texas, individually, as trustee of the 

Nancy Bain Seybert 2007 Trust, and trustee of 

the Nancy Bain Seybert Children's Trusts; Ray 

M. Bain, Dimmitt, Texas; and Barbara June Bain, 

Dimmitt, Texas; collectively a group acting in 

concert, to control, retain and acquire 47.71 

percent of Plains Bancorp, Inc., Dimmitt, Texas, 

and therefore, indirectly, First United Bank, 

Dimmitt, Texas.

PLAINS BANCORP, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Texas First Bank, Texas City, Texas, to acquire 

by merger Texas Coastal Bank, Pasadena, Texas, 

and to establish branches at 6731 Spencer 

Highway, Pasadena, Texas 77505 and 102 W. 

Pasadena Blvd., Deer Park, Texas 77536. 

 AND

Texas First Bank, Texas City, Texas to merge 

with Texas Coastal Bank, Pasadena, Texas and 

to establish branches at 6731 Spencer Highway, 

Pasadena, Texas 77505, and 102 W. Pasadena 

Blvd., Deer Park, Texas 77536.

TEXAS FIRST BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Texas First Bank, Texas City, Texas to acquire 

by merger Houston Business Bank, Houston, 

Texas, and to establish a branch 1535 West 

Loop South, Suite 120, Houston, Texas 77027. 

AND Texas First Bank, Texas City, Texas to 

merge with Houston Business Bank, Houston, 

Texas, and to establish a branch 1535 West 

Loop South, Suite 120, Houston, Texas 77027.

TEXAS FIRST 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

 706151 STATE BK TX, HOUSTON, TEXAS 06/20/2011 05/07/2012 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 April 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

05/11/2012

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., CCFW, Inc., 

and Carpenter Bank Partners, Inc., all of Irvine, 

California, to acquire additional voting shares, 

for a total of approximately 78 percent of the 

voting shares of Manhattan Bancorp, and 

thereby indirectly acquire additional voting 

shares of Bank of Manhattan, National 

Association, both of El Segundo, California.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8 02/21/2012

First PacTrust Bancorp, Inc., Chula Vista, 

California, to become a bank holding company 

by acquiring 100 percent of Beach Business 

Bank, Manhattan Beach, California, pursuant to 

section 3(a)(1) of the BHC Act, and 2)to retain 

100 percent control of Pacific Trust Bank, 

fsb,Chula Vista, California, and thereby engage 

in operating a nonbank thrift subsidiary, 

pursuant to section 225.28(b)(4) of Regulation 

Y.

FIRST PACTRUST BANCORP, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Franklin Resources, Inc., San Mateo, California, 

to acquire up to 5.57 percent of Oriental 

Financial Group, Inc., and indirectly, Oriental 

Bank & Trust, both of San Juan, Puerto Rico.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

* 3A3

* 3A5

05/06/2012

05/13/2012

Mitsubishi UFJ Financial Group, Inc., The Bank 

of Tokyo-Mitsubishi UFJ, Ltd, both of Tokyo, 

Japan, and UnionBanCal Corporation, San 

Francisco, California, to acquire 100 percent of 

Pacific Capital Bancorp and indirectly Santa 

Barbara Bank & Trust, both of Santa Barbara, 

California, and 2) Pacific Capital Bancorp, Santa 

Barbara, California, to merge with and into 

UnionBanCal Corporation, San Francisco, 

California, and Santa Barbara Bank & Trust, 

Santa Barbara, California, will merge with and 

into Union Bank, National Association, San 

Francisco, California.

MITSUBISHI UFJ FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

* MHC Not available

Conversion

* SLHC 

Formation

05/05/2012

Sound Financial Bancorp,Inc., Seattle, 

Washington; to become a savings and loan 

holding company upon the second-step 

conversion of Sound Community MHC, and 

Sound Financial, Inc., both in Seattle, 

Washington. Sound Financial Bancorp, Inc. will 

control Sound Community Bank, Seattle, 

Washington.

SOUND COMMUNITY MHC

* 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