Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks;

Applications and Reports Received

No. 38

Week Ending September 21, 2013

Board of Governors of the Federal Reserve System, Washington, DC 20551
Change in Bank Control

Anchor Commercial Bank, Juno Beach, Florida -- change in bank control of Anchor

Commercial Bank.

- Permitted, September 17, 2013

Reserve Bank Operations

First Vice Presidents -- revisions to the Board's policy for evaluating and

compensating Reserve Bank first vice presidents.

- Approved, September 3, 2013

(A/C)

Enforcement

JPMorgan Chase & Co., New York, New York -- issuance of a consent order of

assessment of a civil money penalty.

- Announced, September 19, 2013

The Missouri Bank, Warrenton, Missouri -- issuance of a consent order of assessment

of a civil money penalty.

- Announced, September 17, 2013

H.2 Board Actions September 15, 2013 to September 21, 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

September 15, 2013 to September 21, 2013

MA Monetary Affairs

Bank Branches, Domestic

SunTrust Bank, Atlanta, Georgia -- to establish branches at 14112 Darnestown Road,

Germantown, Maryland; 12916 Walker Branch Road, Charlotte, North Carolina;

4676 Hog Mountain Road, Flowery Branch, Georgia; 411 Fayetteville Street,

Raleigh, North Carolina; and 9909 Hagen Ranch Road, Boynton Beach, Florida.

Secretary

- Approved, September 20, 2013

Town Bank, Hartland, Wisconsin -- to establish a branch at 140 South First Street,

Milwaukee.

Chicago

- Approved, September 20, 2013

Bank Holding Companies

C&F Financial Corporation, West Point, Virginia -- to acquire Central Virginia

Bankshares, Inc., Powhatan, and its subsidiary, Central Virginia Bank.

Richmond

- Approved, September 16, 2013

Four Corners Community Bank, Farmington, New Mexico -- waiver of application to

become a bank holding company in connection with the acquisition through merger

of The Citizens State Bank of Cortez, Cortez, Colorado.

Kansas City

- Granted, September 20, 2013

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

Fox Chase Bancorp, Inc., Hatboro, Pennsylvania -- to become a bank holding

company upon the conversion of its wholly owned subsidiary, Fox Chase Bank,

Hatboro, from a federal savings bank to a state-chartered savings bank.

Philadelphia

- Approved, September 17, 2013

Greenville Bancshares, Inc., Piedmont, Missouri -- to merge with Ripley County

Bancshares, Inc., Piedmont, and thereby acquire Peoples Community State Bank,

Doniphan.

St. Louis

- Approved, September 19, 2013

New Hampshire Thrift Bancshares, Inc., Newport, New Hampshire -- waiver of

application to acquire Central Financial Corporation, Randolph, Vermont, in

connection with the merger of their respective subsidiaries, Lake Sunapee Bank, fsb,

Newport, and The Randolph National Bank, Randolph.

Boston

- Granted, September 20, 2013

Rio Financial Services, Inc., McAllen, Texas -- to engage in extending credit and

servicing loans and related activities through its subsidiary, Rio Financial Holdings,

Inc., McAllen.

Dallas

- Approved, September 19, 2013

H.2 Actions under delegated authority September 15, 2013 to September 21, 2013

(A/C) = Addition or Correction Delegated - 2 of 4
Bank Holding Companies

Sterling Financial Corporation, Spokane, Washington -- waiver of application to

acquire Commerce National Bank, Newport Beach, California, in connection with its

merger with Sterling Savings Bank, Spokane, a subsidiary of Sterling Financial

Corporation.

San Francisco

- Granted, September 20, 2013

Whitcorp Financial Company, Leoti, Kansas -- waiver of application to acquire

CSB Bancorp, Inc., Walsh, Colorado, in connection with the merger of their

respective subsidiaries, Frontier Bank, Lamar, and Colorado State Bank of Walsh,

Walsh.

Kansas City

- Granted, September 20, 2013

Wilshire Bancorp, Inc., Los Angeles, California -- waiver of application to acquire

BankAsiana, Palisades Park, New Jersey, in connection with its merger with Wilshire

State Bank, Los Angeles, a subsidiary of Wilshire Bancorp.

San Francisco

- Granted, September 19, 2013

Banks, Foreign

China Construction Bank Corporation, Beijing, People's Republic of China --

to establish a branch in San Francisco, California.

New York

- Withdrawn, September 18, 2013

H.2 Actions under delegated authority September 15, 2013 to September 21, 2013

(A/C) = Addition or Correction Delegated - 3 of 4
Banks, State Member

Regions Bank, Birmingham, Alabama -- to make certain public welfare investments.

Director, BS&R

- Approved, September 16, 2013

Change in Bank Control

Delhi Bancshares, Inc., Delhi, Louisiana -- change in bank control of Delhi

Bancshares and its subsidiary, Guaranty Bank & Trust Company of Delhi, Louisiana.

Dallas

- Permitted, September 18, 2013

H.2 Actions under delegated authority September 15, 2013 to September 21, 2013

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

Federal Reserve Bank of Boston

Filings received during the week ending September 21, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Coastway Bancorp, Inc., Cranston, Rhode 

Island to acquire 100% of the outstanding 

capital stock of Coastway Community Bank, 

Cranston, Rhode Island, pursuant to section 

3(a)(1) of the BHC Act, in connection with the 

conversion of Coastway Bancorp, MHC from 

mutual to stock form.

COASTWAY BANCORP MHC

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 Not available

Equitable Bancorp, MHC and Equitable 

Bancorp, Inc., both of Lynn, Massachusetts, to 

become a mutual bank holding company and a 

stock bank holding company, respectively, by 

acquiring Equitable Cooperative Bank, Lynn, 

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

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

of 1956, as amended.

EQUITABLE BANCORP MHC

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

State Street Bank and Trust Company and State 

Street International Holdings, both of Boston, 

Massachusetts, submit prior notice pursuant to 

Section 211.9(f) of Regulation K to invest in 

certain subsidiaries beyond the single entity 

and aggregate investment limits in connection 

with an internal reorganization of its European 

operations.

STATE STREET BANK AND 

TRUST COMPANY

* 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 September 21, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 501105 MANUFACTURERS & TRADERS TC, BUFFALO, NEW YORK 07/09/2012 09/06/2013 O Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending September 21, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 September 21, 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

 27614 ANDOVER BK, ANDOVER, OHIO 06/03/2013 09/03/2013 S Int Sm Bank

 362717 CROGHAN COLONIAL BK, FREMONT, OHIO 06/17/2013 09/09/2013 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending September 21, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 10/09/2013

10/17/2013

Farmers Bankshares, Inc., Windsor, Virginia, to 

become a bank holding company through the 

acquisition of 100% of Farmers Bank, Windsor, 

Virginia

FARMERS BANKSHARES, INC.

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 September 21, 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:

* 3A5 Not available

Not available

Hamilton State Bancshares, Inc., Hoschton, 

Georgia, to merge with Cherokee Banking 

Company, and thereby acquire Cherokee Bank, 

N.A., both of Canton, Georgia.

HAMILTON STATE 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

IBERIABANK, Lafayette, Louisiana, to 10/14/2013

purchase certain assets and assume certain 

liabilities of Synovus Bank, Columbus, Georgia, 

and thereby establish two branches in 

Germantown, Tennessee and two branches in 

Memphis, Tennessee.

BKBR: IBERIABANK, Lafayette, Louisiana, in 

connection with its purchase and assumption 

transaction with Synovus Bank, Columbus, 

Georgia, to acquire the following branches: 3100 

Forest Hill-Irene Road, Germantown, Tennessee, 

7860 Wolf River Boulevard, Germantown, 

Tennessee, 370 South Grove Park Road, 

Memphis, Tennessee, and 717 South White 

Station Road, Memphis Tennessee.

IBERIABANK

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.

* 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

 3368635 PARADISE BK, BOCA RATON, FLORIDA 05/13/2013 09/12/2013 S Small 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 September 21, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Cedar Rapids Bank and Trust Company, Cedar 

Rapids, Iowa, to merge with Community 

National Bank, Waterloo, Iowa. As a result of 

the proposed merger,Cedar Rapids Bank and 

Trust Company will establish a branch at: 422 

Commercial Street, Waterloo, Iowa; 11 Tower 

Park Drive, Waterloo, Iowa; 2322 West 1st 

Street, Cedar Falls, Iowa; and 6004 University 

Avenue, Cedar Falls, Iowa.

CEDAR RAPIDS 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:

* SLHC Not available

Formation Not available

Edgewater Bancorp, Inc., St. Joseph, Michigan, 

to become a savings and loan holding company 

through the acquisition of all of the outstanding 

voting stock of Edgewater Bank, St. Joseph, 

Michigan. The savings and loan holding 

company will be formed in connection with the 

proposed mutual-to-stock conversion of 

Edgewater Bank, a federally chartered mutual 

savings bank.

Edgewater Bancorp, Inc.

Newspaper:

Federal Register:

CIC Not available

09/03/2013

Charles M. Shea, of Wilmette, Illinois, as an 

individual, and the group consisting of JP 

Morgan Chase Bank, N.A., Naperville, Illinois, 

as Trustee of the Jerry C. Bradshaw Family 

Trust-GST Non-Exempt Trust, Naperville, 

Illinois, and the Jerry C. Bradshaw Family TrustGST Exempt Trust, Naperville, Illinois; Charles 

M. Shea, Wilmette, Illinois, as a committee 

member of the Jerry C. Bradshaw Family TrustGST Non-Exempt Trust and the Jerry C. 

Bradshaw Family Trust-GST Exempt Trust; 

Molly Baed, Wassenaar, Netherlands, as a 

committee member of the Jerry C. Bradshaw 

Family Trust - GST Non-Exempt Trust and the 

Jerry C. Bradshaw Family Trust - GST Exempt 

Trust; Betty J. Bradshaw, Wheaton, Illinois, as a 

committee member of the Jerry C. Bradshaw 

Family Trust - GST Non-Exempt Trust and the 

Jerry C. Bradshaw Family Trust- GST Exempt 

Trust, to retain control of the outstanding 

shares of Marseilles Bancorporation, Inc., 

Marseilles, Illinois. Marseilles Bancorporation, 

Inc., Marseilles, Illinois, controls Marseilles 

Bank, Marseilles, Illinois.

MARSEILLES 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A5 Not available

Not available

MB Financial, Inc., Chicago, Illinois, to merge 

with Taylor Capital Group, Inc., and thereby 

indirectly acquire Cole Taylor Bank, both of 

Rosemont, Illinois.

MB FINANCIAL, INC

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

Federal Reserve Bank of Chicago

Filings received during the week ending September 21, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Mercantile Bank Corporation, Grand Rapids, 

Michigan, to merge with Firstbank Corporation, 

Alma, Michigan, and thereby indirectly acquire 

Firstbank, Mount Pleasant, Michigan and 

Keystone Community Bank, Kalamazoo, 

Michigan.

MERCANTILE BANK 

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Town Bank, Hartland, Wisconsin, to establish a 09/14/2013

branch facility to be located at 140 South First 

Street, Milwaukee, 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

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 September 21, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 10/17/2013

10/15/2013

Simmons First National Corporation, Pine Bluff, 

Arkansas, to acquire 100 percent of 

Metropolitan National Bank, Little Rock, 

Arkansas.

SIMMONS FIRST NATIONAL 

CORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Washco Bancshares, Inc., Potosi, Missouri, to 

engage in lending activities.

WASHCO BANCSHARES, INC.

* 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

 185859 LINDELL B&TC, SAINT LOUIS, MISSOURI 05/28/2013 09/06/2013 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 9

Federal Reserve Bank of Minneapolis

Filings received during the week ending September 21, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 10/11/2013

10/16/2013

American Heritage Holding Company, Saint 

Cloud, Minnesota, to become a bank holding 

company by acquiring 100 percent of American 

Heritage National Bank, Long Prairie, 

Minnesota.

AMERICAN HERITAGE 

HOLDING COMPANY

Newspaper:

Federal Register:

* 3A3 Not available

10/16/2013

Forstrom Bancorporation, Inc., Clara City, 

Minnesota, to acquire 100% of First Bank of 

Lincoln, Lincoln, Montana.

FORSTROM 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A1 Not available

10/21/2013

James M. and Devon J. Goetz Family Trust Four, 

to acquire 39.53% of Oliver Bancorporation, 

Inc., Center, North Dakota, and thereby 

indirectly acquire Security First Bank of North 

Dakota, New Salem, North Dakota.

JAMES M. AND DEVON J. 

GOETZ FAMILY TRUST FOUR

* 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

 2631172 STATE BK FNCL, LA CROSSE, WISCONSIN 05/13/2013 09/11/2013 O Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending September 21, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/13/2013

Clea Alsip, Brooklyn, New York; Patti Janese 

Hager, Edmond, Oklahoma; Zela Mae Hanson, 

Tulsa, Oklahoma; Patricia Ann McCortney, 

Farmers Branch, Texas; Vicki Lynn Patton, Ada, 

Oklahoma; Jerry Scott Grandchildren''s Trust, 

Ada, Oklahoma; Kamberly Dawn or Richard 

Clay Skoch, Yukon, Oklahoma; and Tammy Key, 

Sulphur, Oklahoma, as shareholders and 

members to the Vision Bancshares, Inc. Voting 

Agreement, to retain common voting shares of 

Vision Bancshares, Inc., and thereby indirectly 

retain voting shares of Vision Bank, National 

Association, both in Ada, Oklahoma.

VISION 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 September 21, 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:

3A1 Not applicable

Not applicable

Access Bancorp, Inc., Denton, Texas, to 

become a bank holding company by acquiring 

100 percent of the outstanding shares of 

Accessbank Texas, Denton, Texas.

ACCESS BANCORP, INC.

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

09/27/2013

Cullen/Frost Bankers, Inc., San Antonio, Texas, 

to acquire by merger 100 percent of WNB 

Bancshares, Inc., Odessa, Texas, and to 

indirectly acquire Western National Bank, 

Odessa, Texas. In addition, Frost Bank, San 

Antonio, Texas, to acquire by merger Western 

National Bank and to establish all 8 branches of 

Western National Bank as branches of Frost 

Bank.

CULLEN/FROST BANKERS, INC.

Newspaper:

Federal Register:

* 3A1 Not available

10/16/2013

Northeast Texas Bancshares, Inc., Mount 

Pleasant, Texas, to become a bank holding 

company by acquiring 100 percent of the 

outstanding shares of The American National 

Bank of Mount Pleasant, Mount Pleasant, 

Texas.

NORTHEAST TEXAS 

BANCSHARES, INC.

Newspaper:

Federal Register:

* SLHC Not available

Formation 09/27/2013

The GMDK Trust fbo Christopher J. Keyland, 

The GMDK Trust fbo Kathryn J. Roberts, The 

JLD/GMDK Irrevocable Asset Trust fbo 

Christopher J. Keyland, The JLD/GMDK 

Irrevocable Asset Trust fbo Kathryn J. Roberts, 

The JLD-Christopher J. Keyland Descendant 

Trust #3, The JLD-Kathryn J. Roberts 

Descendant Trust #4, The JSD-Christopher J. 

Key land Descendant Trust #3, and The 

JSD-Kathryn J. Roberts Descendant Trust #4, 

all of Fort Worth, Texas, to become savings and 

loan holding companies through the acquisition 

of controlling interests in First Western 

Mortgage Corporation, Colonial Holding 

Company, and therefore indirectly, Colonial 

Savings, FA, all of Fort Worth, Texas.

THE GMDK TRUST FBO 

CHRISTOPHER J. KEYLAND

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

Federal Reserve Bank of Dallas

Filings received during the week ending September 21, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

10/15/2013

ZT Acquisitions, Inc., and ZT Financial 

Holdings, Inc., both of Houston, Texas, to 

become bank holding companies pursuant to 

Section 3(a)(1) through the acquisition of First 

National Bank of Colorado City, Colorado City, 

Texas.

ZT FINANCIAL HOLDINGS, INC.

* 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

 498456 FIRST ST BK, ABILENE, TEXAS 04/15/2013 10/10/2013 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 September 21, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

09/16/2013

TFB Bancorp, Inc., to become a bank holding 

company by acquiring 100 percent of The 

Foothills Bank, both of Yuma, Arizona.

TFB BANCORP, INC.

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act