Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks;

Applications and Reports Received

No. 31

Week Ending August 3, 2013

Board of Governors of the Federal Reserve System, Washington, DC 20551
Bank Holding Companies

CITIC Group Corporation, Beijing, People's Republic of China, and CITIC Limited

-- temporary exemption to engage in certain nonbanking activities in the United

States as a result of their proposed indirect acquisition of CLSA, B.V., Amsterdam,

The Netherlands, a subsidiary of Credit Agricole, S.A., Paris, France.

- Granted, July 29, 2013

Personnel

Division of International Finance -- appointment of James Dahl as assistant director;

Christopher Erceg as senior associate director; David Bowman, Charles Thomas, and

Beth Anne Wilson as associate directors; Shaghil Ahmed and Joseph Gruber as

deputy associate directors; and Brian Doyle as senior adviser; and reassignment of

Trevor Reeve, senior associate director.

- Announced, July 29, 2013

Regulations and Policies

Stress Test Guidance for Medium-Sized Firms -- publication for comment of

proposed interagency supervisory guidance on implementing Dodd-Frank Act

company-run stress tests for banking organizations with total consolidated assets of

more than $10 billion but less than $50 billion.

- Approved, July 17, 2013

(A/C)

Reserve Bank Operations

Unauthorized Disclosure of Information -- Board policy regarding notification to

affected parties by the Federal Reserve Banks of unauthorized disclosure of

nonpublic sensitive information.

- Approved, July 31, 2013

Enforcement

Blencoe State Bank, Blencoe, Iowa -- issuance of a consent order of assessment of a

civil money penalty.

- Announced, August 1, 2013

H.2 Board Actions July 28, 2013 to August 3, 2013

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

Eastern Virginia Bankshares, Inc., Tappahannock, Virginia, and EVB -- written

agreement dated February 17, 2011, terminated July 30, 2013.

- Announced, August 1, 2013

Port Byron State Bank, Port Byron, Illinois -- written agreement with the Federal

Reserve Bank of Chicago and the Illinois Department of Financial and Professional

Regulation, Division of Banking.

- Announced, July 30, 2013

H.2 Board Actions July 28, 2013 to August 3, 2013

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

July 28, 2013 to August 3, 2013

MA Monetary Affairs

Bank Branches, Domestic

Centennial Bank, Plainview, Texas -- to establish a branch at 1689 River Road,

Boerne.

Dallas

- Approved, August 1, 2013

The First Capital Bank of Kentucky, Louisville, Kentucky -- to establish a branch at

9819 Brownsboro Road, Louisville.

St. Louis

- Withdrawn, July 29, 2013

Vantage Bank Texas, National Association, Refugio, Texas -- to establish a branch at

111 Plasuela Street, Refugio.

Dallas

- Approved, August 1, 2013

Bank Holding Companies

Citizens National Corporation, Wisner, Nebraska -- to acquire additional shares of

Republic Corporation, Omaha, and its subsidiary, United Republic Bank.

Kansas City

- Approved, August 1, 2013

(A/C) = Addition or Correction Delegated - 1 of 2
Bank Mergers

Centennial Bank, Conway, Arkansas -- to merge with Liberty Bank of Arkansas,

Jonesboro, and to retain the acquired facilities as branches.

St. Louis

- Approved, August 2, 2013

Change in Bank Control

Central South Bancorporation, Inc., Indianola, Iowa -- to retain control of Central

South Bancorporation and its subsidiary, Peoples Savings Bank, Indianola.

Chicago

- Permitted, August 1, 2013

Citizens Bancshares, Inc., Somerset, Kentucky -- to retain control of Citizens

Bancshares and its subsidiary, Citizens National Bank of Somerset, Somerset.

Secretary

- Permitted, August 2, 2013

Flagship Financial Group, Inc., Eden Prairie, Minnesota -- change in bank control of

Flagship Financial Group and its subsidiary, Flagship Bank Minnesota, Wayzata.

Minneapolis

- Permitted, August 1, 2013

Extensions of Time

Citizens Bank and Trust Company, Blackstone, Virginia -- extension to March 14,

2014, to establish a branch at the corner of Iron Bridge Road and Oliver's Way,

Chesterfield.

Richmond

- Granted, July 31, 2013

H.2 Actions under delegated authority July 28, 2013 to August 3, 2013

(A/C) = Addition or Correction Delegated - 2 of 2
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending August 3, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Application by Mutual Bank, Whitman, 

Massachusetts, to become a member of the 

Federal Reserve System pursuant to section 9 of 

the Federal Reserve Act and section 208.3 of 

Regulation H.

MUTUAL FEDERAL SAVINGS 

BANK OF PLYMOUTH COUNTY

* 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 August 3, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Chemung Canal Trust Company, Elmira, New 09/01/2013

York, to purchase loans and other assets, and 

assume deposit liabilities of six branches of 

Bank of America, N.A., Charlotte, North 

Carolina, pursuant to Section 18(c) of the 

Federal Deposit Insurance Act, and to establish 

branches pursuant to Section 9 of the Federal 

Reserve Act.

CHEMUNG CANAL TRUST 

COMPANY

Newspaper:

Federal Register:

PWI Not applicable

Not applicable

Goldman Sachs Bank USA, New York, New 

York, seeks prior approval for a public welfare 

investment.

GOLDMAN SACHS BANK USA

* 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 August 3, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* MHC 

Conversion

* SLHC 

Formation

07/11/2013

07/15/2013

Delanco, MHC, Delanco, NJ, proposes to 

convert to stock form and merge with and into 

Delanco Bancorp, Inc., Delanco, New Jersey, 

which proposes to become a savings and loan 

holding company by acquiring Delanco Federal 

Savings Bank, Delanco, NJ.

DELANCO, MHC

* 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 August 3, 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 August 3, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 08/24/2013

08/23/2013

C&F Financial Corporation, West Point, 

Virginia, to acquire 100% of the voting 

securities of Central Virginia Bankshares, Inc., 

Powhatan, Virginia, and thereby indirectly 

acquire Central Virginia Bank, Powhatan, 

Virginia.

C&F FINANCIAL 

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 August 3, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

08/08/2013

Banco De Credito E Inversiones, Empresas Juan 

Yarur S.A.C., Inversiones Petro S.A., 

Inversiones Baquio LTDA., Inversiones Nueve 

LTDA., and Administraciones Baquio LTDA., 

all of Santiago, Chile, to become bank holding 

companies by acquiring 100 percent of CM 

Florida Holdings, Inc., Coral Gables, Florida, and 

its subsidiary, City National Bank of Florida, 

Miami, Florida.

BANCO DE CREDITO E 

INVERSIONES S.A.

Newspaper:

Federal Register:

CIC 08/16/2013

08/13/2013

Prior change in control notice filed by P. Bruce 

Culpepper, Tallahassee, Florida; Richard R. 

Dostie, Jacksonville, Florida; Charles E. Hughes, 

Jr., Jacksonville, Florida; J. Malcolm Jones, Jr., 

Jacksonville, Florida; James T. Katsur, 

Longwood, Florida; W. Andrew Krusen, Jr., 

Tampa, Florida; Allan S. Martin, Tampa, Florida; 

Linda C. McGurn, Micanopy, Florida; M. G. 

Sanchez, Gainesville, Florida; DFGM 2010, LLC, 

Tampa, Florida; Dominion Capital Group, LLC, 

Tampa, Florida; Dominion Strategic Resource 

Partners, Tampa, Florida; Jessie T. Krusen IRA, 

Tampa, Florida; William Andrew Krusen, Jr. SEP 

IRA, Tampa, Florida; Krusen Limited 

Partnership, Ltd., Tampa, Florida; Tejas 

Partners, Ltd., Tampa, Florida; Trust UWO 

Isabelle Ball Baker FBO Jessie T. Thompson 

Krusen, Tampa, Florida; WIT Financial Group, 

LLC, Tampa, Florida; and WIT Ventures, Ltd., 

Tampa, Florida; to acquire 25 percent or more of 

the oustanding shares of Florida Capital Group, 

Inc., and its subsidiary, Florida Capital Bank, 

National Association, both of Jacksonville, 

Florida.

FLORIDA CAPITAL GROUP, INC.

Newspaper:

Federal Register:

CIC Not available

07/12/2013

After-the-fact change of control notice filed by 

Louisiana Bancorp, Inc. Employee Stock 

Ownership Plan (ESOP), George Vernon Curry, 

Jr., and Lisa Rae Whittington, the trustees of 

the ESOP, both of Metairie, Louisiana, to retain 

approximately 17.9 percent of the outstanding 

shares and to acquire additional shares not to 

exceed 24.9 percent of the shares of Louisiana 

Bancorp, Inc. and its subsidiary, Bank of New 

Orleans, both of Metairie, Louisiana.

LOUISIANA BANCORP, INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

NCG Banco, S.A., A Coruna, Spain, to establish 

an international representative-administrative 

office located in Miami, Florida.

NCG BANCO, S.A.

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 08/08/2013

branch located at 14112 Darnestown Road, 

Germantown, Maryland, to be known as the 

Darnestown Office.

SUNTRUST BANK

* 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 August 3, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* MHC Not available

Conversion 07/12/2013

AJS Bancorp, MHC, a federally chartered 

mutual holding company, to convert to stock 

form and merge with AJS Bancorp, Inc., a 

federal corporation, both in Midlothian, Illinois. 

AJS Bancorp, Inc. will be merged into a new 

Maryland corporation named AJS Bancorp, Inc., 

which proposes to become a savings and loan 

holding company by acquiring 100 percent of 

the voting shares of A.J. Smith Federal Savings 

Bank, Midlothian, Illinois.

AJS BANCORP, MHC

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Clear Lake Bank & Trust Co., Clear Lake, Iowa, 

to purchase the assets and assume the liabilities 

of two Mason City, Iowa, branch offices of 

Community National Bank, Waterloo, Iowa. 

Clear Lake Bank & Trust Co. will establish a 

branch at 100 E State Street, Mason City, Iowa. 

The office located at 3124 Fourth Street SW, will 

immediately be consolidated with Clear Lake 

Bank & Trust Co.'s branch office located at 425 

Tiffany Drive, both of Mason City, Iowa.

CLEAR LAKE BANK AND 

TRUST COMPANY

Newspaper:

Federal Register:

CIC Not available

Not available

Jay D. Bergman, Joliet, Illinois, to acquire up to 

100 percent of the outstanding voting stock of 

Community Holdings Corp., Palos Hills, Illinois.

COMMUNITY HOLDINGS 

CORPORATION

Newspaper:

Federal Register:

* 4c8 07/27/2013

07/29/2013

Notice by First American Bank Corporation, Elk 

Grove Village, Illinois, to acquire up to 100 

percent of the voting shares of PNA Bank, 

Chicago, Illinois, through the merger of PNA 

Bank, Chicago, Illinois, with and into First 

American Bank, Elk Grove Village, Illinois, and 

thereby operate a savings association.

FIRST AMERICAN BANK 

CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

08/09/2013

First Merchants Corporation, Munster, Indiana, 

to acquire via merger CFS Bancorp, Inc., 

Munster, Indiana, and thereby indirectly acquire 

control of Citizens Financial Bank, Munster, 

Indiana, a federal savings bank.

FIRST MERCHANTS 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

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.

Newspaper:

Federal Register:

* 3A5 08/02/2013

08/02/2013

Heartland Financial USA, Inc., Dubuque, Iowa, 

to acquire via merger Morrill Bancshares, Inc., 

Merriam, Kansas, and thereby indirectly acquire 

Morrill & Janes Bank and Trust Company, 

Overland Park, Kansas.

HEARTLAND FINANCIAL USA, 

INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 3, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

08/09/2013

Home Bancorp Wisconsin, Inc., Madison, 

Wisconsin, to become a bank holding company 

through the acquisition of all of the outstanding 

voting stock of Home Savings Bank, Madison, 

Wisconsin. The bank holding company will be 

formed in connection with the proposed 

mutual-to-stock conversion of Home Savings 

Bank, a state chartered mutual savings bank. Pre 

filing review to determine compliance with 

Subpart E of Regulation MM, Conversions from 

Mutual to Stock Form.

HOME BANCORP WISCONSIN, 

INC.

Newspaper:

Federal Register:

CIC 08/05/2013

08/09/2013

Tad Wilson and Arthur S. Parrish, both of 

Spencer, Indiana, as a group acting in concert, 

to control greater than 10 percent of the 

outstanding shares of Home Financial Bancorp, 

Spencer, Indiana and indirectly Our Community 

Bank, Spencer, Indiana.

HOME FINANCIAL BANCORP

Newspaper:

Federal Register:

CIC Not available

07/03/2013

Notice filed by Kristine Lubar MacDonald, 

Minneapolis, Minnesota, to join the existing 

Lubar Family Control Group through the 

acquisition of voting shares of Ixonia 

Bancshares, Inc., Ixonia, Wisconsin, and the 

indirect acquisition of shares of Ixonia Bank, 

Ixonia, Wisconsin.

IXONIA BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 07/24/2013

07/30/2013

Gregory F. Steil, Hinsdale, Illinois, as an 

individual intends to retain 10 percent or more 

of the shares of LWCBancorp, Inc., New Lenox, 

Illinois and thereby indirectly control 

LincolnWay Community Bank, New Lenox, 

Illinois.

LWCBANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

08/23/2013

United Community Bancorp, Inc., Chatham, 

Illinois, to acquire 100 percent of Mercantile 

Bank, Quincy, Illinois.

UNITED COMMUNITY 

BANCORP, INC.

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 August 3, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

The First Capital Bank of Kentucky, Louisville, 08/26/2013

Kentucky, to establish a branch facility to be 

located at 9819 Brownsboro Road, Louisville, 

Kentucky.

FIRST CAPITAL BANK OF 

KENTUCKY, THE

* 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 August 3, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

08/09/2013

Dacotah Banks, Inc., Aberdeen, South Dakota, 

to merge with Donnelly Bancshares, Inc. and 

thereby indirectly acquire United Farmers and 

Merchants State Bank, both of Morris, 

Minnesota. In addition, Dacotah Bank, 

Aberdeen, South Dakota, to merge with United 

Farmers and Merchants State Bank and, 

incident thereto, establish branches at 4 

Atlantic Avenue, Morris, Minnesota, and 209 

South Main Street, Chokio, Minnesota.

DACOTAH BANKS, INC.

Newspaper:

Federal Register:

CIC 07/24/2013

07/30/2013

Retroactive notice by Barbara Carlson, Sauk 

Centre, Minnesota, individually to retain 10 

percent or more of the voting shares of DuBois 

Bankshares, Inc., Sauk Centre, Minnesota. 

Sarah Beuning, Springfield, Illinois, Steven 

Beuning, Edina, Minnesota, and Eric Beuning, 

Scott Beuning, and Tyler Carlson, all of Sauk 

Centre, Minnesota, to retain control of DuBois 

Bankshares, Inc., Sauk Centre, Minnesota, and 

thereby remain members of the Carlson/Beuning 

family shareholder group, which controls 25 

percent or more of DuBuois Bankshares, Inc., 

Sauk Centre, Minnesota. And Mary Jeanne 

Woodward, Sartell, Minnesota, Lisa DuBois 

Schmitze and John DuBois, both of Sauk Centre, 

Minnesota, to retain control of the voting 

shares of DuBois Bankshares, Inc., and thereby 

remain members of the Margaret DuBois Family 

Sharesholder group, which controls 25 percent 

or more of DuBois Bankshares, Inc., thereby 

controls First State Bank of Sauk Centre, Sauk 

Centre, Minnesota.

DUBOIS BANKSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

07/11/2013

Change in Control notice by Peter F. Lindholm, 

Long Lake, Minnesota, individually and as 

trustee of Peter F. Lindholm 2012 Irrevocable 

Trust, to retain 25 percent or more of the shares 

of Maple Banc Shares, Inc., Maple Plain, 

Minnesota, and thereby indirectly retain control 

of Bank of Maple Plain, Maple Plain, Minnesota.

MAPLE BANC SHARES, INC.

Newspaper:

Federal Register:

CIC 08/22/2013

07/17/2013

Retroactive change in control notice by Carla A. 

Blumberg, St.Paul, Minnesota, to retain 25% or 

more of the shares of Park Bank Corporation of 

Duluth, Duluth, Minnesota, and thereby 

indirectly retain control of Park State Bank, 

Duluth, Minnesota.

PARK BANK CORPORATION OF 

DULUTH

* 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 August 3, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

ANB Bank, Denver, Colorado, to establish a 08/07/2013

mobile branch for operation in and around 

Johnson County Kansas, that will be associated 

with the branch at 15301 West 87th Street 

Parkway, Suite 100, Lenexa, Kansas.

ANB BANK

Newspaper:

Federal Register:

* 3A3 08/23/2013

08/26/2013

First Okmulgee Corporation, Okmulgee, 

Oklahoma, to acquire 100 percent of the voting 

shares of First Wewoka Bancorporation, Inc., 

parent of First National Bank of Wewoka, both 

of Wewoka, Oklahoma.

FIRST OKMULGEE 

CORPORATION

Newspaper:

Federal Register:

* Branch Not available

Not applicable

FirstBank, Lakewood, Colorado, to establish a 

branch at 5885 West Bell Road, Glendale, 

Arizona.

FIRSTBANK

Newspaper:

Federal Register:

CIC Not available

08/05/2013

Notification by Dow R. Hughes, Tulsa, 

Oklahoma, individually and as fiduciary, to 

retain control of Regent Capital Corporation, 

parent of Regent Bank, both in Nowata, 

Oklahoma. In addition, notification by the 

following members of the Hughes Family Group 

acting in concert to retain control of Regent 

Capital Corporation, parent of Regent Bank, 

both in Nowata, Oklahoma: the Dow R. Hughes 

Revocable Trust, Dow Hughes, trustee; the 

Deanne D. Hughes Revocable Trust, Deanne D. 

Hughes, trustee; DRH, LLC; Dave Hughes; 

Michelle Hughes; and the David G. Dutton 

Living Trust, David Dutton, trustee; all of Tulsa, 

Oklahoma.

REGENT CAPITAL 

CORPORATION

* 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 August 3, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8 08/13/2013

Ford Financial Fund II, L.P., Ford Management 

II, L.P., Ford Ultimate Management II, LLC, 2009 

TCRT, GJF Financial Management II, LLC, Ford 

Fund Investment LP, and LR Acquisition 

Company LLC, all of Dallas, Texas, each to 

become a bank holding company by directly or 

indirectly acquiring control of Metropolitan 

National Bank, Little Rock, Arkansas. 

Additionally, 2009 TCRT; GJF Financial 

Management II, LLC; Ford Ultimate 

Management II, LLC; and Ford Management II, 

L.P., all of Dallas, Texas, propose to engage de 

novo in financial and investment advisory 

activities pursuant to Section 225.28(b)(6) of 

Regulation Y.

2009 TCRT

Newspaper:

Federal Register:

* 3A3 08/21/2013

08/26/2013

A.N.B. Holding Company, Ltd., Terrell, Texas, to 

acquire additional shares up to 38% of The 

ANB Corporation, Terrell, Texas, and indirectly 

acquire The American National Bank of Texas, 

Terrell, Texas; Lakeside Bancshares, Inc., 

Rockwall, Texas; and Lakeside National Bank, 

Rockwall, Texas.

A.N.B. HOLDING COMPANY, 

LTD.

Newspaper:

Federal Register:

CIC Not available

08/16/2013

Prior notice by George W. Cummings, III and 

Nanette Weaver Cummings, both of Monroe, 

Louisiana, to acquire and control greater than 10 

percent of Progressive Bancorp, Inc., Monroe, 

Louisiana, and indirectly, Progressive Bank, 

Monroe, Louisiana.

PROGRESSIVE BANCORP, INC.

Newspaper:

Federal Register:

CIC 07/30/2013

07/26/2013

Prior notice by David C. Hernandez, as 

proposed trustee of the R.L.H. 2011 SGB Trust, 

Dallas, Texas, the general partner of Southwest 

Banking Partners, L.P., Dallas, Texas, to acquire 

control of greater than 25 percent of Strategic 

Growth Bank, Inc., El Paso, Texas, and 

indirectly, Capital Bank, SSB, El Paso, Texas; 

Bank of the Rio Grande, Las Cruces, New 

Mexico; Mile High Banks, Longmont, Colorado; 

and First National Bank of Santa Fe, 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 August 3, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Bank of Hawaii, Honolulu, Hawaii, to establish a 

branch located within the Safeway Maui Lani 

Store at 58 Maui Lani Parkway, Wailuku, Hawaii.

BANK OF HAWAII

Newspaper:

Federal Register:

* 3A3 Not available

08/15/2013

CBOA Financial, Inc., Tucson, Arizona, to 

acquire First Scottsdale Bank, National 

Association, Scottsdale, Arizona.

CBOA FINANCIAL, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

OCB Bancorp to become a bank holding 

company by acquiring Ojai Community Bank, 

both of Ojai, California.

OCB BANCORP

Newspaper:

Federal Register:

* 3A5 08/20/2013

08/30/2013

People's Utah Bancorp, American Fork, Utah, to 

merge with Lewiston Bancorp, and thereby 

indirectly acquire Lewiston State Bank, both of 

Lewiston, Utah.

PEOPLE'S UTAH 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