Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks;

Applications and Reports Received

No. 35

Week Ending August 31, 2013

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

Forms -- initial Board review to revise without extension the Banking Organization

Systemic Risk Report (FR Y-15).

- Proposed, August 26, 2013

Regulations and Policies

Regulation RR (Credit Risk Retention) -- publication for comment of revised

interagency proposed rule implementing the securitization risk retention requirements

of the Dodd-Frank Act.

- Approved, August 27, 2013

Enforcement

Raton Capital Corporation, Raton, New Mexico -- written agreement dated

April 10, 2012, terminated August 26, 2013.

- Announced, August 29, 2013

H.2 Board Actions August 25, 2013 to August 31, 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

August 25, 2013 to August 31, 2013

MA Monetary Affairs

Bank Branches, Domestic

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

9819 Brownsboro Road, Louisville.

St. Louis

- Approved, August 29, 2013

Frost Bank, San Antonio, Texas -- to establish branches at 10767 Kuykendahl Road,

The Woodlands, and 6319 Hillcrest Avenue, Dallas (two applications).

Dallas

- Approved, August 29, 2013

Libertyville Bank & Trust Company, Libertyville, Illinois -- to establish a branch at

169 North Lake Street, Mundelein.

Chicago

- Approved, August 26, 2013

Peoples Bank, Lubbock, Texas -- to establish a branch at 615 North Broadway, Post.

Dallas

- Approved, August 28, 2013

Virginia Heritage Bank, Vienna, Virginia -- to establish a branch at 4040 North

Fairfax Drive, Arlington.

Richmond

- Approved, August 28, 2013

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

A.N.B. Holding Company, Ltd., Terrell, Texas -- to acquire additional shares of The

ANB Corporation, Terrell, and indirectly acquire The American National Bank of

Texas; Lakeside Bancshares, Inc., Rockwall; and Lakeside National Bank.

Dallas

- Withdrawn, August 27, 2013

Headwaters Bancorp, Inc., Land O'Lakes, Wisconsin -- request to retain a beneficial

ownership interest in Headwaters Bancorp, Land O'Lakes.

General Counsel

- Approved, August 28, 2013

HopFed Bancorp, Inc., Hopkinsville, Kentucky -- to acquire Sumner Bank & Trust,

Gallatin, Tennessee.

St. Louis

- Withdrawn, August 27, 2013

Marine Bancorp, Inc., Springfield, Illinois -- waiver of application to acquire

Schuyler Bancorp, Inc., Springfield, in connection with the merger of their respective

subsidiaries, Marine Bank, Springfield, and Schuyler State Bank, Rushville.

Chicago

- Granted, August 28, 2013

OCB Bancorp, Ojai, California -- to become a bank holding company by acquiring

Ojai Community Bank, Ojai.

San Francisco

- Approved, August 28, 2013

H.2 Actions under delegated authority August 25, 2013 to August 31, 2013

(A/C) = Addition or Correction Delegated - 2 of 4
Change in Bank Control

Community Holdings Corporation, Palos Hills, Illinois -- change in bank control of

Community Holdings Corporation and its subsidiary, FirstSecure Bank and Trust

Co., Palos Hills.

Chicago

- Withdrawn, August 29, 2013

Piedmont Bancorp, Inc., Norcross, Georgia -- to retain control of Piedmont Bancorp

and its subsidiary, The Piedmont Bank, Norcross.

Atlanta

- Permitted, August 30, 2013

Strategic Growth Bank Incorporated, El Paso, Texas -- change in bank control of

Strategic Growth Bank and its subsidiaries, Capital Bank, SSB, El Paso; Bank of the

Rio Grande, Las Cruces, New Mexico; First National Bank of Santa Fe, Santa Fe;

and Mile High Banks, Longmont, Colorado.

Dallas

- Permitted, August 30, 2013

Extensions of Time

Baylake Corp., Sturgeon Bay, Wisconsin -- extension to November 24, 2013, to

provide registered investment advisory services to customers through its subsidiary,

Admiral Asset Management, LLC, Greenbay.

Chicago

- Granted, August 26, 2013

H.2 Actions under delegated authority August 25, 2013 to August 31, 2013

(A/C) = Addition or Correction Delegated - 3 of 4
Membership

Mutual Federal Savings Bank of Plymouth County, Whitman, Massachusetts -- to

become a member of the Federal Reserve System.

Boston

- Approved, August 30, 2013

H.2 Actions under delegated authority August 25, 2013 to August 31, 2013

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

Federal Reserve Bank of Boston

Filings received during the week ending August 31, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 1

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 2434113 BANK RHODE ISLAND, PROVIDENCE, RHODE ISLAND 04/08/2013 08/19/2013 S Large Bank

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 31, 2013

Filer Filing Type Filing Proposal End of Comment Period

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

Newspaper:

Federal Register:

FBSEA

Not applicable

The Joyo Bank, Ltd., Mito City, Ibaraki 09/29/2013

Prefecture, Japan, to establish a representative 

office in New York, New York, pursuant to 

Section 10(a) of the International Banking Act 

of 1978, as amended, and Section 211.24(a)(1)(i)

(A) of Regulation K.

JOYO BANK, LTD., THE

* 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

 2182786 GOLDMAN SACHS BK USA, NEW YORK, NEW YORK 11/05/2012 08/26/2013 O Whole/Ltd Purp

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending August 31, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/13/2013

Jane Anne Ferrier, San Diego, CA, individually, 

and as trustee and sole beneficiary of the Ferrier 

Family Trust 2; Thomas L. Ferrier and Jane A. 

Ferrier, San Diego, CA, individually and as 

trustees and beneficiaries of the Ferrier Family 

Trust 3; Sharon F. Risse, San Diego, CA, 

individually and as trustee and sole beneficiary 

of the Sharon Risse Trust; Andrew P. Ferrier, 

San Francisco, CA, individually and as trustee 

and sole beneficiary of the Andrew Ferrier 

Trust; all together a group acting in concert, to 

acquire 10.46 percent of First Community 

Financial Corporation, Mifflintown, 

Pennsylvania

FIRST COMMUNITY 

FINANCIAL CORPORATION

Newspaper:

Federal Register:

* 3A1

4c8

08/23/2013

09/10/2013

Fox Chase Bancorp, Inc., Hatboro, PA, to 

become a bank holding company in connection 

with the proposed conversion of Fox Chase 

Bank, Hatboro, PA to a state saving bank 

charter.

FOX CHASE BANCORP, INC.

Newspaper:

Federal Register:

* 3A5 09/27/2013

09/30/2013

Peoples Financial Services Corp., Hallstead, 

Pennsylvania, to merge with Penseco Financial 

Services Corporation, Scranton, Pennsylvania, 

and thereby indirectly acquire Penn Security 

Bank and Trust Company, Scranton, 

Pennsylvania, which will merge with and into 

Peoples Neighborhood Bank, Hallstead, 

Pennsylvania.

PEOPLES FINANCIAL SERVICES 

CORP.

* 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 31, 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 31, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 09/06/2013

09/12/2013

Mr. Kenneth Ray Lehman of Arlington, Virginia, 

to acquire 40% of Delmar Bancorp, Salisbury, 

Maryland.

DELMAR BANCORP

Newspaper:

Federal Register:

CIC Not available

Not available

Harold Lynn Keene, H.L. Keene, L.L.C., Arbutus 

Keene, The Harold Lynn Keene Trust, Charlotte 

Keene, and Elizabeth Keene, all of Lebanon, 

Virginia, as group acting in concert, to retain 

control of New Peoples Bankshares, Inc., 

Honaker, Virginia.

NEW PEOPLES BANKSHARES, 

INC.

Newspaper:

Federal Register:

* 4c8 09/24/2013

09/19/2013

Western Acquisition Partners LLC, 

Washington, D.C. (to be relocated and renamed 

H Bancorp, Columbia, Maryland) proposes to: 

1) acquire 22.83% of the voting securities of 

Carrollton Bancorp, Lutherville, Maryland, and 

thereby indirectly acquire a controlling interest 

in Bay Bank, FSB, Lutherville, Maryland; and 2) 

acquire 6.84% of FirstAtlantic Financial 

Holdings, Inc., Jacksonville, Florida, and 

thereby indirectly acquire a similar interest in 

FirstAtlantic Bank, Jacksonville, Florida.

WESTERN ACQUISITIONS, 

L.L.C.

* 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

 292524 FOUR OAKS B&TC, FOUR OAKS, NORTH CAROLINA 05/06/2013 08/14/2013 S Int Sm Bank

 3627109 FRONTIER CMNTY BK, WAYNESBORO, VIRGINIA 05/06/2013 08/08/2013 O Small Bank

 2303086 VALLEY BK, ROANOKE, VIRGINIA 05/13/2013 08/14/2013 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending August 31, 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 09/22/2013

09/23/2013

CenterState Banks, Inc., Davenport, Florida, to 

merge with Gulfstream Bancshares, Inc., and 

thereby acquire its subsidiary, Gulfstream 

Business Bank, both of Stuart, Florida.

CENTERSTATE BANKS, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

First Partners Financial, Inc., notice to become a 

bank holding company by acquiring 100 percent 

of the outstanding shares of First Partners 

Bank, both of Birmingham, Alabama.

FIRST PARTNERS FINANCIAL, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

First Vision Financial, Inc., to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of First Vision Bank of 

Tennessee, both of Tullahoma, Tennessee.

FIRST VISION FINANCIAL, 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:

CIC Not available

09/18/2013

Prior change in control notice filed by H. Gary 

Morse, H. Gary Morse Family Trust, Mark G. 

Morse, Mark G. Morse Family Trust, Jennifer L. 

Parr, Jennifer L. Family Trust, Trust L. 

Matthews, and Tracy L. Mathews Family Trust, 

all of The Villages, Florida, to acquire up to 100 

percent of the outstanding shares of Villages 

Bancorporation, Inc., and its subsidiary bank, 

Citizens First Bank, both of The Villages, 

Florida.

VILLAGES BANCORPORATION, 

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 August 31, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

1st Source Bank, South Bend, Indiana, to 09/03/2013

establish a branch office located at 3944 

McCarty Lane, Lafayette, Indiana.

1ST SOURCE BANK

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

Members of the Irish and Hodgson family which 08/22/2013

include: Ann Kennedy Irish, Harbor Springs, 

Michigan; Ann Kennedy Irish, Harbor Springs, 

Michigan, as trustee of the Ann Kennedy Irish 

Trust; the Ann Kennedy Irish Trust, Harbor 

Springs, Michigan; David H. Irish, Harbor 

Springs, Michigan, as trustee of the David H. 

Irish Trust; the David H. Irish Trust, Harbor 

Springs, Michigan; Tracy Irish Texter, 

Middleville, Michigan; Tracy Irish Texter, 

Middleville, Michigan and John F. Texter, 

Middleville, Michigan, as trustees of the John F. 

Texter and Tracy I. Texter Trust; the John F. 

Texter and Tracy I. Texter Trust, Middleville, 

Michigan; Susan Irish Stewart, Harbor Springs, 

Michigan, as trustee of the Susan Irish Stewart 

Revocable Intervivos Trust; the Susan Irish 

Stewart Revocable Intervivos Trust, Harbor 

Springs, Michigan; Colin David Irish, 

Marquette, Michigan; Perry Irish Hodgson, 

Charlevoix, Michigan; Liam Foster Hodgson, 

Beaver Island, Michigan; Alexander Irish 

Hodgson, Charlevoix, Michigan; and Raymond 

Earhart Hodgson, Charlevoix, Michigan, to be 

added to the Hodgson Family Control Group 

and to thereby retain control of 25 percent or 

more of Charlevoix First Corporation, 

Charlevoix, Michigan and indirectly Charlevoix 

State Bank, Charlevoix, Michigan.

CHARLEVOIX FIRST 

CORPORATION

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 31, 2013

Filer Filing Type Filing Proposal End of Comment Period

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:

* 18C Not available

Not applicable

North Shore Community Bank & Trust 

Company, Wilmette, Illinois, to merge with or 

purchase the assets and assume the liabilities of 

Diamond Bank, FSB, Schaumburg, Illinois.

NORTH SHORE COMMUNITY 

BANK & TRUST COMPANY

* 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

 542649 CHEMICAL BK, MIDLAND, MICHIGAN 09/12/2011 08/27/2013 S Large Bank

 683449 MAQUOKETA ST BK, MAQUOKETA, IOWA 11/26/2012 08/26/2013 S Int Sm Bank

 428547 ST CHARLES B&TC, SAINT CHARLES, ILLINOIS 04/22/2013 08/27/2013 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending August 31, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

* 18C

* Branch

Not available

Arvest Bank Group, Inc., Bentonville, Arkansas, 

to acquire 100 percent of Metropolitan National 

Bank, Little Rock, Arkansas. Also Arvest Bank, 

Fayetteville, Arkansas, to merge with 

Metropolitan National Bank, Little Rock, 

Arkansas, and to retain the acquired facilities as 

branch offices.

ARVEST BANK GROUP, 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

 997650 CITY B&TC OF MOBERLY, MOBERLY, MISSOURI 05/20/2013 08/27/2013 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending August 31, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

 3557895 SUMMIT CMNTY BK, MAPLEWOOD, MINNESOTA 04/29/2013 08/23/2013 S Small 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 August 31, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

CoBiz Bank, Denver, Colorado, to establish a 

branch at 2 North Nevada Avenue, Suite A, 

Colorado Springs, Colorado. CoBiz Bank, 

Denver, Colorado, to establish a branch at 224 

Canyon Avenue, Fort Collins, Colorado.

COBIZ BANK

Newspaper:

Federal Register:

CIC 09/10/2013

09/18/2013

Notification by the Joe F. Rayl Revocable 

Intervivos Trust U/A/D dated July 28, 1995 as 

amended, Bolivar, Missouri; and Jane Rayl, 

Bolivar, Missouri, and J. Michael Phillips, 

Springfield, Missouri, as co-trustees; to retain 

control of Farmers Financial Corporation, 

Bolivar, Missouri, parent of Farmers State Bank 

S/B, Schell City, Missouri.

FARMERS FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Steele Street Bank & Trust, Denver, Colorado, 

to become a member of the Federal Reserve 

System.

STEELE STREET BANK & TRUST

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

 222754 FIRST WESTROADS BK, OMAHA, NEBRASKA 05/06/2013 08/16/2013 S Small Bank

 580155 PLATTE VALLEY BK, TORRINGTON, WYOMING 05/20/2013 08/19/2013 S Small Bank

 64150 WYOMING B&TC, CHEYENNE, WYOMING 06/03/2013 08/27/2013 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending August 31, 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:

* 3A5 Not available

* 18C

* Branch

Not available

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:

CIC 09/10/2013

08/29/2013

Retroactive notice by James A. Hopson, Delhi, 

Louisiana; W. Briggs Hopson, MD, Vicksburg, 

Mississippi; W. Briggs Hopson, III, Vicksburg, 

Mississippi; James W. Hopson, Vicksburg, 

Mississippi; Stacey Hopson Burgess, Haltom 

City, Texas; David Doughty, Rayville, 

Louisiana; Suzette Hopson Doughty, Rayville, 

Louisiana; James O. Doughty, Rayville, 

Louisiana; Mary C. Doughty, Rayville, 

Louisiana; and Mary K. Ricks, Vicksburg, 

Mississippi; collectively a group acting in 

concert, to control, retain, and acquire more 

than 25 percent of Delhi Bancshares, Inc., Delhi, 

Louisiana, and indirectly, Guaranty Bank & 

Trust Company of Delhi, Louisiana, Delhi, 

Louisiana.

DELHI BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Independent Bank Group, Inc., McKinney, 

Texas, to acquire 100 percent of the common 

stock of Collin Bank, Plano, Texas.

INDEPENDENT BANK GROUP, 

INC.

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

Federal Reserve Bank of Dallas

Filings received during the week ending August 31, 2013

Filer Filing Type Filing Proposal End of Comment Period

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

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 31, 2013

Filer Filing Type Filing Proposal End of Comment Period

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:

4c8 Not applicable

Not available

PacWest Bancorp, Los Angeles, California, 

CapGen Capital Group II LLC, CapGen Capital 

Group II LP, both of New York, New York, to 

acquire CapitalSource, Inc., Chevy Chase, 

Maryland and indirectly acquire CapitalSource 

Bank, an Industrial Loan Company, Los 

Angeles, California, and thereby engage in 

operating nonbank depository institution under 

Section 225.22(b)(4).

PACWEST BANCORP

Newspaper:

Federal Register:

* 3A3 Not available

09/19/2013

Wilshire Bancorp, Inc., Los Angeles, California, 

to acquire Saehan Bancorp, and thereby 

indirectly acquire voting shares of Saehan Bank, 

both of Los Angeles, California.

WILSHIRE 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