Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 5 

Week Ending February 2, 2013

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

Forms -- initial Board review to extend without revision the Written Security 

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

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

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

Notice by Financial Institutions of Termination of Activities as a Government 

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

with revision the Uniform Application for Municipal Securities Principal or 

Municipal Securities Representative Associated with a Bank Municipal Securities 

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

Principal or Municipal Securities Representative Associated with a Bank Municipal 

Securities Dealer (FR MSD-5).

- Proposed, February 1, 2013

Enforcement

Oregon Community Bank & Trust, Oregon, Wisconsin -- written agreement dated 

August 27, 2010, terminated January 29, 2013.

- Announced, January 31, 2013

Security Financial Services Corporation, Durard, Wisconsin, and Security Financial 

Bank -- written agreement dated September 14, 2009, terminated January 28, 2013.

- Announced, January 31, 2013

H.2 Board Actions January 27, 2013 to February 2, 2013

(A/C) = Addition or Correction Board - Page 1 of 1
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

January 27, 2013 to February 2, 2013

MA Monetary Affairs

Bank Branches, Domestic

HomeTown Bank, Roanoke, Virginia -- to establish a branch at 50 Ponderosa Drive, 

Christiansburg.

Richmond

- Approved, January 31, 2013

Bank Holding Companies

1854 Bancorp, Cambridge, Massachusetts -- to become a mutual bank holding 

company by acquiring East Cambridge Savings Bank, Cambridge.

Boston

- Approved, January 29, 2013

Franklin Bancorp MHC, Franklin, New Hampshire -- to become a mutual bank 

holding company by acquiring Franklin Savings Bank, Franklin.

Boston

- Approved, January 28, 2013

Quanah Financial Corporation Employee Stock Ownership Plan, Quanah, Texas -- to 

retain shares of Quanah Financial Corporation, Quanah, and indirectly First Capital 

Bank.

Dallas

- Approved, January 28, 2013

(A/C) = Addition or Correction Delegated - 1 of 3
Bank Premises

The Adirondack Trust Company, Saratoga Springs, New York -- to increase its 

investment in bank premises.

New York

- Approved, January 29, 2013

Banks, Foreign

NongHyup Bank, Seoul, Republic of Korea -- to establish a branch and a 

representative office in New York, New York.

Director, BS&R

- Approved, January 28, 2013

Banks, State Member

Silicon Valley Bank, Santa Clara, California -- to make a public welfare investment.

Secretary

- Approved, January 31, 2013

Change in Bank Control

First Commercial Bancshares, Inc., Edmond, Oklahoma -- change in bank control of 

First Commercial Bancshares and its subsidiary, First Commercial Bank, Edmond.

Kansas City

- Permitted, January 31, 2013

Treynor Bancshares, Inc., Treynor, Iowa -- to retain control of Treynor Bancshares 

and its subsidiary, Treynor State Bank, Treynor.

Chicago

- Permitted, January 31, 2013

H.2 Actions under delegated authority January 27, 2013 to February 2, 2013

(A/C) = Addition or Correction Delegated - 2 of 3
Change in Bank Control

Virginia Heritage Bank, Vienna, Virginia -- change in bank control of Virginia 

Heritage Bank.

Richmond

- Permitted, January 30, 2013

International Operations

USB Americas Holdings Company, Minneapolis, Minnesota -- waiver of remainder 

of prior-notice period to invest in Collective Point of Sale Solutions, Ltd., Toronto, 

Canada.

Director, BS&R

- Granted, January 16, 2013

(A/C)

Savings and Loan Holding Companies

Ameriprise Financial, Inc., Minneapolis, Minnesota -- to deregister as a savings and 

loan holding company.

General Counsel and Director, BS&R

- Approved, January 30, 2013

H.2 Actions under delegated authority January 27, 2013 to February 2, 2013

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

Federal Reserve Bank of Boston

Filings received during the week ending February 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 Not available

Application by Wakefield Bancorp, MHC, 

Wakefield, Massachusetts, a mutual bank 

holding company, to form a wholly-owned, 

mid-tier, stock bank holding company, 

Wakefield Bancorp, Inc., Wakefield, 

Massachusetts, through its acquisition of 100% 

of the shares of The Savings Bank, Wakefield, 

Massachusetts, pursuant to sections 3(a)(1) 

and 3(a)(3) of the Bank Holding Company Act 

of 1956, as amended.

WAKEFIELD BANCORP MHC

* 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 February 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Commonwealth Bank of Australia, Sydney, 

Australia, to establish representative office in 

Houston, Texas, pursuant to Section 10(a) of 

the International Banking Act of 1978, as 

amended and Section 211.24(a)(2)(i)(B)(1) of 

Regulation K.

COMMONWEALTH BANK OF 

AUSTRALIA

Newspaper:

Federal Register:

* 4c8 Not available

03/01/2013

Investors Bancorp, MHC and Investors 

Bancorp, Inc., both of Short Hills, New Jersey, 

providing notice pursuant to Section 4(c)(8) of 

the BHC Act and Section 225.24 of Regulation 

Y, to acquire Roma Financial Corporation MHC, 

Roma Financial Corporation, both of 

Robbinsville, New Jersey, and their 

wholly-owned subsidiaries, Roma Bank, 

Robbinsville, New Jersey and RomAsia Bank, 

South Brunswick Township, New Jersey.

INVESTORS BANCORP, INC.

* 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 February 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 03/01/2013

02/28/2013

Penns Woods Bancorp, Inc., Williamsport, PA 

to acquire 100% of Luzerne National Bank 

Corporation, Luzerne, PA.

PENNS WOODS BANCORP, INC.

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending February 2, 2013

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 February 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banque Centrale Populaire, Casablanca, 

Morocco, to establish a representative office in 

Washington, D.C.

BANQUE CENTRALE 

POPULAIRE

Newspaper:

Federal Register:

* Branch

Not applicable

John Marshall Bank, Reston, Virginia, to 02/13/2013

establish a branch location at 700 S. 

Washington Street, Alexandria, Virginia.

JOHN MARSHALL BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

StellarOne Bank, Christiansburg, Virginia, to 

acquire certain assets and assume certain 

liabilities of the 11450 Robious Road branch of 

Village Bank, Midlothian, Virginia

STELLARONE BANK

* 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 February 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

HomeBancorp, Inc., Tampa, Florida, to acquire 

Mortgage Investors Corporation, St. 

Petersburg, Florida, and thereby engage in 

making, acquiring, brokering, or servicing loans, 

or other extensions of credit, and activities 

related to extending credit.

HOMEBANCORP, INC.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending February 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Baylake Corporation, Sturgeon Bay, Wisconsin, 

formed a single-member limited liability 

company subsidiary named Admiral Asset 

Management, LLC, Greenbay, Wisconsin. It will 

be conducting traditional registered investment 

advisory services through its registered 

investment adviser representatives. These 

services will be provided to customers of 

Baylake Bank, Sturgeon Bay, Wisconsin.

BAYLAKE CORP.

Newspaper:

Federal Register:

CIC 02/13/2013

02/15/2013

Notice by Blackhawk Bancorp, Inc., Beloit, 

Wisconsin, to acknowledge Kevin J. Hendricks 

and Kendra Hendricks, of Janesville, 

Wisconsin, have applied to retain, as part of a 

family group including Diane M. Hendricks, 25 

percent or more of the shares of Blackhawk 

Bancorp, Inc., Beloit, Wisconsin, and thereby 

control of Blackhawk Bank, Beloit, Wisconsin.

BLACKHAWK BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Sabina Bosshard, Homer, Minnesota, 

individually, and as co trustee of the Sabina 

Bosshard Irrevocable Trust ("Trust"), and 

Sabina Bosshard, together as a group acting in 

concert with Trust, the Lindsey Bosshard Trust, 

Jeff Gray, LaCrosse, Wisconsin, as co trustee of 

Trust and trustee of the Lindsey Bosshard 

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

independent trustee of Trust, Kurt Bosshard, 

Kapaa, Hawaii, John Bosshard III, McCarthy, 

Alaska, William Bosshard and Andrew 

Bosshard, both of La Crosse, Wisconsin, 

Carlista Bosshard, Madison, Wisconsin, Joseph 

Bosshard and Makenzie Bosshard, both of 

Boulder, Colorado, Nathan Bosshard-Blakely, 

Berkeley, California, Elizabeth Bosshard-Blakely, 

South Pasadena, California, Alexandra 

Bosshard, Sandy, Utah, and John Bosshard, 

Superior, Colorado, to retain control of 25 

percent or more of the outstanding voting 

shares of Bosshard Financial Group, Inc., La 

Crosse, Wisconsin, and thereby to indirectly 

retain control of Grand Marsh State Bank, Grand 

Marsh, Wisconsin, and Farmers State Bank of 

Hillsboro, Hillsboro, Wisconsin.

BOSSHARD FINANCIAL GROUP, 

INC.

Newspaper:

Federal Register:

CIC Not available

01/31/2013

Stanley Dickson, Jr., Gross Pointe Park, 

Michigan, as an individual, and the group 

consisting of Stanley Dickson, Jr., Gross Pointe 

Park, Michigan, Steven Dickson, Rancho Santa 

Fe, California, Kathryn J. Dickson, Howell, 

Michigan and Riddle Limited Partnership, 

Howell, Michigan ("Riddle LP"), propose to 

acquire control of FNBH Bancorp, Inc., Howell, 

Michigan ("FNBH"), and thereby indirectly 

control First National Bank in Howell, Howell, 

Michigan.

FNBH BANCORP, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending February 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/07/2013

Palen Trust for Descendents and Edward Palen, 

as trustee of the Palen Trust for Descendents, 

both of Forrest, Illinois, individually, and 

together as a group acting in concert with the 

Palen Marital Trust, Forrest, Illinois, Edward 

Palen, Lorraine Palen, and Joseph Palen, all of 

Forrest, Illinois, individually and as co-trustees 

of the Palen Marital Trust, Elizabeth Dray and 

Judith Somers, both of Forrest, Illinois, Marie 

King, Piper City, Illinois, and Leona Pacheco, 

Springfield, Illinois, to retain control of 25 

percent or more of the voting shares of Forrest 

Bancshares, Inc., Forrest, Illinois, and thereby 

to indirectly retain control of First State Bank of 

Forrest, Forrest, Illinois.

FORREST BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 Not available

03/01/2013

Nicolet Bankshares, Inc., Green Bay, Wisconsin, 

to acquire 100 percent of the voting shares of 

Mid-Wisconsin Financial Services, Inc., 

Medford, Wisconsin, and thereby indirectly 

acquire Mid-Wisconsin Bank, Medford, 

Wisconsin, and establish 11 branches.

NICOLET BANKSHARES, INC.

Newspaper:

Federal Register:

CIC 02/01/2013

02/01/2013

Trident SBI Holdings, L.P., Trident SBI GP 

Holdings, LLC, Trident V, L.P., Trident V Parallel 

Fund, L.P., Trident V Professionals Fund, L.P., 

Trident Capital V, L.P., Trident Capital V PF, 

L.P., Stone Point Capital LLC, Stone Point GP 

Ltd, SPC Management Holdings, LLC, CD 

Trident V, LLC, MH Trident V, LLC, JC Trident 

V, LLC, DW Trident V, LLC, NZ Trident V, LLC, 

and Charles A. Davis, all of Greenwich, 

Connecticut, and James D. Carey, Riverside, 

Connecticut, Meryl D. Hartzband and David J. 

Wermuth, both of New York, New York, and 

Nicholas D. Zerbib, Larchmont, New York, to 

acquire 10 percent or more of the voting shares 

of Standard Bancshares, Inc., and thereby 

indirectly acquire control of Standard Bank and 

Trust Company, both of Hickory Hills, Illinois.

STANDARD BANCSHARES, INC.

Newspaper:

Federal Register:

* MHC Not available

Conversion 12/18/2012

WBSB Bancorp, MHC proposes to convert to 

stock form and merge with and into WBSB 

Bancorp, Inc. (the "Bancorp"), an existing 

savings and loan holding company. Immediately 

after the merger, the Bancorp will merge with 

and into a new company called Westbury 

Bancorp, Inc., which will become a savings and 

loan holding company through the acquisition 

of 100 percent of the outstanding stock of 

Westbury Bank, a federal stock savings bank 

headquartered in West Bend, Wisconsin.

WBSB BANCORP, MHC

* 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 February 2, 2013

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

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 February 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 02/20/2013

02/21/2013

State Bankshares, Inc., Fargo, North Dakota, to 

acquire 100 percent of Business 

Bancorporation, Inc., Minnetonka, Minnesota, 

and thereby indirectly acquire The Business 

Bank, Minnetonka, Minnesota.

STATE BANKSHARES, INC.

Newspaper:

Federal Register:

CIC 02/08/2013

02/05/2013

Thomas Winkels, individually and as trustee of 

six McNeilus Family Trusts, and Donna 

McNeilus, individually, all of Dodge Center, 

Minnesota, to acquire or retain control of 25 

percent or more of the shares and thereby 

control of Sterling Financial Group, Inc., 

Rochester, Minnesota (SFG). SFG controls 

Sterling State Bank, Austin, Minnesota. In 

addition, Thomas Winkels; Myrlane Winkels, 

Dodge Center, Minnesota; Christopher 

Winkels, New Market, Minnesota; Sara 

Winkels, Dodge Center, Minnesota; and the six 

McNeilus Family Trusts, Dodge Center, 

Minnesota; comprise the Winkels and 

McNeilus Family Trust group, and Donna 

McNeilus; Justin McNeilus, Byron, Minnesota; 

Christina McNeilus, Dodge Center, Minnesota; 

and Kimberly McNeilus, Dodge Center, 

Minnesota; to join the McNeilus Family 

Shareholder group which both control 25% or 

more of the shares and thereby control SFG and 

indirectly control Sterling State Bank.

STERLING FINANCIAL GROUP, 

INC.

Newspaper:

Federal Register:

CIC 02/18/2013

02/11/2013

Retroactive change in control notice by Kellen 

M. Shebeck, Underwood, Minnesota, and 

Meegan S. Heidebrink, Adrian, Minnesota, each 

to retain 25 percent or more of the shares of 

Underwood Bancshares, Inc., Underwood, 

Minnesota, and thereby indirectly retain control 

of Farmers State Bank of Underwood, 

Underwood, Minnesota.

UNDERWOOD 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 February 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 02/18/2013

02/22/2013

Eagle Bancshares, Inc., Eagle, Nebraska, to 

become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Eagle State Bank, Eagle, Nebraska.

EAGLE BANCSHARES, INC.

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Farmers Bank of Lincoln, Lincoln, Missouri, to 

increase its investment in bank premises in the 

amount of $225,000.

FARMERS BANK OF LINCOLN

Newspaper:

Federal Register:

* Branch

Not applicable

FirstBank, Lakewood, Colorado, to establish a 02/14/2013

branch at 1559 N. Litchfield Road, Goodyear, 

Arizona.

FIRSTBANK

Newspaper:

Federal Register:

* Branch

Not applicable

High Plains Bank, Flagler, Colorado, to establish 02/01/2013

a branch at 600 Kimbark Street, Longmont, 

Colorado.

HIGH PLAINS BANK

Newspaper:

Federal Register:

* 3A1 Not available

02/25/2013

Weststar Bancorp, Albuquerque, New Mexico, 

to become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Sunrise Bank of Albuquerque, Albuquerque, 

New Mexico.

WESTSTAR BANCORP

Newspaper:

Federal Register:

CIC 02/02/2013

01/25/2013

Notice submitted by the Donald L. Patry 

Revocable Trust, Newton, Kansas; Ellen M. 

Patry Revocable Trust, Newton, Kansas, and 

Ellen Patry, trustee, Newton, Kansas; Corey and 

Cynthia Patry, Wichita, Kansas; Brandon Patry, 

Valley Center, Kansas, and Katie Patry, Valley 

Center, Kansas, as a group acting in concert, to 

retain control of Whitewater Bancshares, Inc., 

parent of Bank of Whitewater, both in 

Whitewater, Kansas.

WHITEWATER 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

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 February 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Frost Bank, San Antonio, Texas, to establish a 02/02/2013

branch to be located at 1200 McKinney Street, 

Houston, Texas 77010.

FROST BANK

Newspaper:

Federal Register:

* 3A3 Not available

4c8 Not available

Strategic Growth Bank Incorporated and 

Strategic Growth Bancorp Incorporated, both of 

El Paso, Texas, to acquire 100 percent of the 

common stock of New Mexico Banquest 

Corporation, Santa Fe, New Mexico, through the 

merger of its wholly owned merger subsidiary 

NM Lobo Acquisition Corporation, a Delaware 

corporation, and indirectly acquire First 

National Bank of Santa Fe; First Santa Fe 

Advisors, LLC to engage in financial and 

investment activities; and First Santa Fe 

Insurance Services, Inc., to engage in insurance 

activities, all of Santa Fe, New Mexico.

STRATEGIC GROWTH BANK 

INCORPORATED

* 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 February 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5

4c8

02/10/2013

02/21/2013

Columbia Banking System, Inc., Tacoma, 

Washington, to merge with West Coast 

Bancorp, and thereby indirectly acquire its 

subsidiary bank, West Coast Bank, both Lake 

Oswego, Oregon, and to acquire Totten, Inc., 

WCB Mortgage Company, and West Coast 

Mortgage Co., all of Lake Oswego, Oregon, and 

West Coast Trust Company, Inc., Portland, 

Oregon.

COLUMBIA BANKING SYSTEM, 

INC.

Newspaper:

Federal Register:

CIC Not available

10/30/2012

Notice by Thomas Galt Atwood, Glen Ellen, 

California, and Cypress Abbey Company, 

Colma, California, to retain 10 percent or more of 

the outstanding shares of capital stock of FNB 

Bancorp, and thereby indirectly retain 10 perent 

or more of the voting shares of First National 

Bank of Northern California, both of South San 

Francisco, California.

FNB BANCORP

Newspaper:

Federal Register:

CIC Not available

02/15/2013

Interagency Notice of Change in Control by the 

Thian Control Group, including Yee Phong 

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

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

Arcadia, California; Fui Ming (Catherine) Thian, 

Lawrence S K Law, and Jor Leong Law all of 

Calabasas, California; Yee Chin (Victor) Thian of 

Glendale, California; Jennifer Wei Lim Kheng of 

San Francisco, California; Jor Teck Law of 

Beijing, China; Min Yang Thian of Kuala 

Lumpur, Malaysia; Min Jie Thian of New York, 

New York; United Overseas Investment, Inc. 

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

California; and their related family members and 

interests, to retain 10 percent or more of the 

voting stock of RBB Bancorp, and thereby 

indirectly retain 10 percent or more of the voting 

stock of Royal Business Bank, both of Los 

Angeles, California.

RBB BANCORP

Newspaper:

Federal Register:

CIC Not available

02/15/2013

Interagency Notice of Change in Control by the 

Kao Control Group, including Dr. Ruey Chyr 

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

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

Kao of Leawood, Kansas; Daniel J. Kao and 

Linda Lee Kao of La Jolla, California; Christina 

Kao of Piscataway, New Jersey; and their 

related family members, to acquire 10 percent or 

more of the voting stock of RBB Bancorp, and 

thereby indirectly acquire 10 percent or more of 

the voting stock of Royal Business Bank, both 

of Los Angeles, California.

RBB BANCORP

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

Federal Reserve Bank of San Francisco

Filings received during the week ending February 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/15/2013

Interagency Notice of Change in Control by the 

Chang Control Group, including Louis C. Chang 

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

Estates, California; Peter Ming Chang of Los 

Alamitos, California; and their related family 

members, to acquire 10 percent or more of the 

voting stock of RBB Bancorp, and thereby 

indirectly acquire 10 percent or more of the 

voting stock of Royal Business Bank, both of 

Los Angeles, California.

RBB BANCORP

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act