Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 47 

Week Ending November 24, 2012

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

Forms -- final Board review to amend the respondent panels for the Report of 

Changes in Organizational Structure (FR Y-10) and the Annual Report of Bank 

Holding Companies (FR Y-6).

- Approved, November 19, 2012

Forms -- initial Board review to extend with revision the interagency Suspicious 

Activity Report (FR 2230).

- Proposed, November 23, 2012

Personnel

Division of Monetary Affairs -- appointment of Stephen Meyer as deputy director; 

appointment of Fabio Natalucci, Gretchen Weinbach, and Egon Zakrajsek as 

associate directors; appointment of William Bassett, Margaret DeBoer, Jane Ihrig, 

and David Lopez-Salido as deputy associate directors; and appointment of Matthew 

Luecke, Thomas King, Edward Nelson, and Min Wei as assistant directors.

- Announced, November 19, 2012

H.2 Board Actions November 18, 2012 to November 24, 2012

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

November 18, 2012 to November 24, 2012

MA Monetary Affairs

Bank Branches, Domestic

Cass Commercial Bank, Bridgeton, Missouri -- to establish a branch at 

12412 Powerscourt Drive, St. Louis.

St. Louis

- Approved, November 21, 2012

Profinium Financial, Inc., Truman, Minnesota -- to establish a branch at 124 East 

Walnut Street, Mankato.

Minneapolis

- Approved, November 20, 2012

Bank Holding Companies

Bank of China Limited, Beijing, People's Republic of China -- to engage de novo in 

acting as a futures commission merchant through BOCI Commodities & Futures 

(USA) LLC, New York, New York.

New York

- Approved, November 23, 2012

C & J Bennett Family Limited Partnership, Hardinsburg, Kentucky -- to become 

a bank holding company by acquiring shares of Farmers Bancshares, Inc., 

Hardinsburg, and its subsidiary banks, The Farmers Bank and Leitchfield Deposit 

Bank & Trust Company, Leitchfield.

St. Louis

- Approved, November 19, 2012

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

Financial Services Holding Corporation, Henderson, Kentucky -- to acquire Harrison 

Bancorporation, Cynthiana, and its subsidiary bank, The Harrison Deposit Bank and 

Trust Company.

St. Louis

- Approved, November 20, 2012

Grandpoint Capital, Inc., Los Angeles, California -- to acquire Bank Capital 

Corporation, Phoenix, Arizona; The Biltmore Bank of Arizona; and 5055 Holdings, 

LLC, 5055-1 LLC, and 5055-2 LLC; and thereby to engage in extending credit and 

servicing loans.

San Francisco

- Approved, November 19, 2012

Heartland Financial USA, Inc., Dubuque, Iowa -- to acquire Heritage Bank, N.A., 

Phoenix, Arizona.

Chicago

- Approved, November 20, 2012

InFirst Bancorp, MHC, Indiana, Pennsylvania, and InFirst Bancorp, Inc. -- to become 

bank holding companies by acquiring Indiana Savings Bank, Indiana.

Cleveland

- Approved, November 19, 2012

Legacy Financial, Inc., Johnson, Kansas -- to become a bank holding company by 

acquiring First National Bank of Syracuse, Syracuse.

Kansas City

- Approved, November 19, 2012

H.2 Actions under delegated authority November 18, 2012 to November 24, 2012

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

Pinnacle Bancorp, Inc., Central City, Nebraska -- waiver of application to acquire 

First State Bank of Joplin, Joplin, Missouri, in connection with the merger of First 

State Bank with and into Pinnacle Bancorp's subsidiary, Pinnacle Bank, Lincoln, 

Nebraska.

Kansas City

- Granted, November 23, 2012

VisionBankshares, Inc., Boone, Iowa -- to become a bank holding company by 

acquiring Ogden Bancshares, Inc., Boone, and its subsidiary bank, VisionBank of 

Iowa, Ames.

Chicago

- Approved, November 19, 2012

WesBanco, Inc., Wheeling, West Virginia -- waiver of application to acquire Fidelity 

Bancorp, Inc., Pittsburgh, Pennsylvania, in connection with the merger of their 

respective subsidiaries, WesBanco Bank, Inc., Wheeling, and Fidelity Savings Bank, 

Pittsburgh.

Cleveland

- Granted, November 20, 2012

Change in Bank Control

C.F.C. Bancorp, Inc., Crystal Falls, Michigan -- change in bank control of C.F.C. 

Bancorp and its subsidiary bank, First National Bank of Crystal Falls, Crystal Falls.

Minneapolis

- Permitted, November 20, 2012

H.2 Actions under delegated authority November 18, 2012 to November 24, 2012

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

First State Bancshares of Yoakum, Inc., Yoakum, Texas -- change in bank control of 

First State Bancshares and its subsidiary bank, First State Bank, Yoakum.

Dallas

- Withdrawn, November 21, 2012

Platte County Bancshares, Inc., Platte City, Missouri -- change in bank control of 

Platte County Bancshares and its subsidiary bank, Platte Valley Bank of Missouri, 

Platte City.

Kansas City

- Permitted, November 20, 2012

SSB Holdings, Inc., Wellington, Kansas -- change in bank control of SSB Holdings 

and its subsidiary bank, Security State Bank, Wellington.

Kansas City

- Permitted, November 19, 2012

Sturm Financial Group, Inc., Denver, Colorado -- change in bank control of Sturm 

Financial Group and its subsidiary bank, ANB Bank, Denver.

Kansas City

- Permitted, November 19, 2012

Town and Country Financial Corporation, Springfield, Illinois -- change in bank 

control of Town and Country Financial and its subsidiary banks, Town and Country 

Bank, Springfield, and Logan County Bank, Lincoln.

Chicago

- Permitted, November 16, 2012

(A/C)

H.2 Actions under delegated authority November 18, 2012 to November 24, 2012

(A/C) = Addition or Correction Delegated - 4 of 5
Extensions of Time

American Express Company, New York, New York, and American Express Travel 

Related Services Company, Inc. -- one-year extension of time to divest or conform 

certain impermissible nonbanking activities and investments.

Director, BS&R

- Granted, November 20, 2012

Financial Holding Companies 

MidSouth Bancorp, Inc., Lafayette, Louisiana -- election to become a financial 

holding company.

Atlanta

- Effective, November 21, 2012

Membership

Silvergate Bank, La Jolla, California -- to become a member of the Federal Reserve 

System.

San Francisco

- Approved, November 21, 2012

H.2 Actions under delegated authority November 18, 2012 to November 24, 2012

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

Federal Reserve Bank of Boston

Filings received during the week ending November 24, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Application by Eastern Federal Bank, Norwich, 

Connecticut, 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.

EASTERN FEDERAL BANK

Newspaper:

Federal Register:

* 3A1 Not available

12/14/2012

New Hampshire Mutual Bancorp, Manchester, 

New Hampshire to become a mutual holding 

company through the acquisition of Meredith 

Village Savings Bank, Meredith, New 

Hampshire, pursuant to section 3(a)(1) of the 

BHC Act.

NEW HAMPSHIRE MUTUAL 

BANCORP

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5 12/14/2012

New Hampshire Mutual Bancorp, Manchester, 

New Hampshire, to acquire Merrimack Bancorp, 

MHC, Concord, New Hampshire, and its 

subsidiary bank, Merrimack County Savings 

Bank, Concord, New Hampshire, pursuant to 

sections 3(a)(3) and 3(a)(5) of the BHC Act.

NEW HAMPSHIRE MUTUAL 

BANCORP

* 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

 886204 WATERTOWN SVG BK, WATERTOWN, MASSACHUSETTS 06/04/2012 10/07/2012 O Int Sm Bank

CRA Examinations scheduled for First Quarter of 2013 (January 1, 2013 - March 31, 2013)

Institution Location

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

Federal Reserve Bank of New York

Filings received during the week ending November 24, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

RBC Investor Services Bank S.A., 

Esch-sur-Alzette, Luxembourg, to establish a 

representative office in New York, New York, 

pursuant to Section 10(a) of the International 

Banking Act, as amended, and Section 211.4(a)

(1) of Regulation K.

RBC Investor Services Bank S.A.

* 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

 9807 AMBOY BK, OLD BRIDGE, NEW JERSEY 03/21/2011 11/13/2012 S Large Bank

CRA Examinations scheduled for First Quarter of 2013 (January 1, 2013 - March 31, 2013)

Institution Location

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending November 24, 2012

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 First Quarter of 2013 (January 1, 2013 - March 31, 2013)

Institution Location

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

Federal Reserve Bank of Cleveland

Filings received during the week ending November 24, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 12/06/2012

12/14/2012

Waterford Commercial and Savings Bank 

Shareholders Voting Trust, Waterford, Ohio, to 

become a bank holding company by acquiring 

57 percent of the outstanding voting shares of, 

and thereby acquire, The Waterford Commercial 

and Savings Bank, Waterford, Ohio

WATERFORD COMMERCIAL 

AND SAVINGS BANK 

SHAREHOLDERS VOTING 

TRUST

* 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 First Quarter of 2013 (January 1, 2013 - March 31, 2013)

Institution Location

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

Federal Reserve Bank of Richmond

Filings received during the week ending November 24, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banque Centrale Populaire, Casablanca, 

Morocco, to establish a representative office in 

Washington, D.C.

BANQUE CENTRALE 

POPULAIRE

* 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

 746429 BANK OF MCKENNEY, MCKENNEY, VIRGINIA 08/06/2012 11/11/2012 S Small Bank

 722432 BANK OF ROMNEY, ROMNEY, WEST VIRGINIA 07/23/2012 10/25/2012 O Small Bank

 658924 FARMERS & MINERS BK, PENNINGTON GAP, VIRGINIA 07/30/2012 11/08/2012 S Small Bank

 506922 SANDY SPRING BK, OLNEY, MARYLAND 05/21/2012 10/25/2012 S Large Bank

CRA Examinations scheduled for First Quarter of 2013 (January 1, 2013 - March 31, 2013)

Institution Location

COLONIAL VA BK GLOUCESTER, VIRGINIA

CONGRESSIONAL BK POTOMAC, MARYLAND

FIRST CENTURY BK NA BLUEFIELD, WEST VIRGINIA

FIRST CMNTY BK NA BLUEFIELD, VIRGINIA

HOMETOWN BK ROANOKE, VIRGINIA

MINERS EXCH BK COEBURN, VIRGINIA

PEOPLES CMNTY BK MONTROSS, VIRGINIA

SHORE BK ONLEY, VIRGINIA

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

Federal Reserve Bank of Atlanta

Filings received during the week ending November 24, 2012

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

 2860440 1ST UNITED BK, BOCA RATON, FLORIDA 07/23/2012 11/12/2012 S Int Sm Bank

 3597592 FOOTHILLS B&T, MARYVILLE, TENNESSEE 07/16/2012 11/05/2012 S Small Bank

CRA Examinations scheduled for First Quarter of 2013 (January 1, 2013 - March 31, 2013)

Institution Location

CITIZENS TR BK ATLANTA, GEORGIA

MIDSOUTH BK MURFREESBORO, TENNESSEE

PARADISE BK BOCA RATON, FLORIDA

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

Federal Reserve Bank of Chicago

Filings received during the week ending November 24, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

Not applicable

Interagency Bank Merger Application 11/16/2012

requesting approval of the merger of Bluestem 

National Bank, Fairbury, Illinois with and into 

Bank of Pontiac, Pontiac, Illinois.

BANK OF PONTIAC

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Central State Bank, Elkader, Iowa, to merge with 

Farmers Savings Bank, Walford, Iowa. As a 

result of the merger, Central State Bank, will 

establish a branch office at 345 Highway 151, 

Walford, Iowa.

CENTRAL STATE BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Members of the Irish and Hodgson family which 

include: Ann Kennedy Irish, Harbor Springs, 

Michigan, as trustee of the Ann Kennedy Irish 

Trust; David H. Irish, Harbor Springs, Michigan, 

as trustee of the David H. Irish Trust; Tracy 

Irish Texter, Middleville, Michigan and John F. 

Texter, Middleville, Illinois, as trustees of John 

F. Texter and Tracy I. Texter Trust; Susan Irish 

Stewart, Harbor Springs, Michigan, as trustee of 

the Susan Irish Stewart Revocable Intervivos 

Trust; 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

Newspaper:

Federal Register:

CIC Not available

12/04/2012

Notice by Roger D. Underwood, individually 

and acting in concert with Michael L. 

Underwood, both of Guthrie Center, Iowa, to 

gain control of Guthrie County Bancshares, Inc., 

Guthrie Center, Iowa and thereby Guthrie 

County State Bank, Panora, Iowa.

GUTHRIE COUNTY 

BANCSHARES, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending November 24, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/20/2012

Notice by the group consisting of: JPMorgan 

Chase Bank, N.A., Naperville, Illinois as Trustee 

of the Jerry C. Bradshaw Family Trust - GST 

Non-Exempt Trust and the Jerry C. Bradshaw 

Family Trust - GST Exempt Trust; Charles M. 

Shea, Wilmette, Illinois, as committee member of 

the Jerry C. Bradshaw Family Trust - GST 

Non-Exempt Trust and the Jerry C. Bradshaw 

Family Trust - GST Exempt Trust; Molly Boed, 

Wassenaar, Netherlands, as 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 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., and thereby 

retain indirect control Marseilles Bank, both of 

Marseilles, Illinois.

MARSEILLES 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

The Northern Trust Company, Chicago, Illinois, 11/09/2012

to establish a branch facility to be located at 

14624 North Scottsdale Road, Scottsdale, 

Arizona.

NORTHERN TRUST COMPANY, 

THE

Newspaper:

Federal Register:

CIC Not available

10/19/2012

Richard P. DelMedico, Ontario, Wisconsin, 

Doreen M. Dahl, Cashton, Wisconsin, Denise 

M. Gunderson, Byron, Minnesota, Diana M. 

Fischer, Reno, Nevada, and Debra M. Schmitz, 

Norwalk, Wisconsin, together as a group acting 

in concert, to retain control of 25 percent or 

more of the outstanding shares of Ontario 

Bancorporation, Inc., and thereby indirectly 

retain control of Bank of Ontario, both of 

Ontario, Wisconsin.

ONTARIO BANCORPORATION, 

INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Trident SBI Holdings, LLC; Trident V, L.P.; 

Trident V Parallel Fund, L.P.; Trident V 

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

Trident Capital V-PF, L.P.; Stone Point GP Ltd; 

CD Trident V, LLC; and Charles A. Davis, all of 

Greenwich, Connecticut, as a group acting in 

concert, to acquire control of Standard 

Bancshares, Inc., Hickory Hills, Illinois, and 

thereby indirectly acquire control of Standard 

Bank and Trust Company, Hickory Hills, Illinois.

STANDARD BANCSHARES, INC.

Newspaper:

Federal Register:

* 4c8 Not available

11/30/2012

Talmer Bancorp, Inc., Troy, Michigan, requests 

approval to acquire First Place Bank, Warren, 

Ohio, a savings Association.

TALMER 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

 74140 ISABELLA BK, MOUNT PLEASANT, MICHIGAN 10/31/2011 11/03/2012 S Large Bank

CRA Examinations scheduled for First Quarter of 2013 (January 1, 2013 - March 31, 2013)

Institution Location

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

Federal Reserve Bank of St. Louis

Filings received during the week ending November 24, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Thomas H. Brouster, Sr., St. Louis, 

Missouri, to gain control of Reliance 

Bancshares, Inc., Des Peres, Missouri.

RELIANCE BANCSHARES, INC.

Newspaper:

Federal Register:

* SLHC 

Acquisition Not available

Scottrade Financial Services, Inc., St. Louis, 12/23/2012

Missouri, to acquire 100% of Bunker Hill 

Bancorp, Inc., St. Louis, Missouri, and thereby 

indirectly acquire Boulevard Bank, Neosho, 

Missouri.

SCOTTRADE FINANCIAL 

SERVICES, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

South Porte Financial, Inc., Marion, Illinois, to 

become a bank holding company by acquiring 

100 percent of South Porte Bank, Marion, 

Illinois (formerly Bellerive Bank, Plymouth, 

Illinois).

South Porte Financial, 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

 476445 BANK OF LAKE VILLAGE, LAKE VILLAGE, ARKANSAS 08/13/2012 11/15/2012 S Small Bank

 2747466 EXCHANGE BK NE MO, KAHOKA, MISSOURI 07/23/2012 11/09/2012 S Small Bank

 618740 OHIO VALLEY FNCL GROUP, HENDERSON, KENTUCKY 07/30/2012 11/06/2012 S Small Bank

 753548 SCOTT COUNTY ST BK, SCOTTSBURG, INDIANA 07/23/2012 11/01/2012 S Small Bank

 2571081 SIMMONS FIRST BK OF HOT SPRING, HOT SPRINGS, ARKANSAS 08/20/2012 11/15/2012 S Small Bank

CRA Examinations scheduled for First Quarter of 2013 (January 1, 2013 - March 31, 2013)

Institution Location

ARKANSAS COUNTY BK DE WITT, ARKANSAS

ARVEST BK FAYETTEVILLE, ARKANSAS

BANK OF FAYETTE CTY MOSCOW, TENNESSEE

BANK OF OHIO COUNTY DUNDEE, KENTUCKY

CALLAWAY BK FULTON, MISSOURI

CASEY COUNTY BK LIBERTY, KENTUCKY

CITIZENS BK BATESVILLE, ARKANSAS

CITY B&TC OF MOBERLY MOBERLY, MISSOURI

FARMERS B&TC BLYTHEVILLE, ARKANSAS

FIRST ST BK OF ST ROBERT SAINT ROBERT, MISSOURI

LEWISBURG BKG CO LEWISBURG, KENTUCKY

PEOPLES BK OF ALTENBURG ALTENBURG, MISSOURI

TEXICO ST BK TEXICO, ILLINOIS

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending November 24, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/15/2012

Notice of Change in Control by the Philip G. 

Amundson 2012 Irrevocable Grantor Trust, 

Sioux Falls, South Dakota, Matt Amundson, 

Trustee, Hendricks, Minnesota, Angie Mixner, 

Trustee, Sioux Falls, South Dakota, and Blair 

Folkens, Trustee, Brandson, South Dakota, to 

acquire 25 percent or more of the shares of 

Beulah Bancorporation, Inc., Sioux Falls, South 

Dakota, and thereby indirectly acquire control 

of First Security Bank - West, Beulah, North 

Dakota, and Valley Bank and Trust, Mapleton, 

Iowa. In addition, Philip G. Amundson 2012 

Irrevocable Grantor Trust and its trustees, 

propose to join the Amundson Family group, 

which controls Beulah Bancorporation, Sioux 

Falls, South Dakota, and thereby indirectly 

controls, First Security Bank - West, Beulah, 

North Dakota, and Valley Bank and Trust, 

Mapleton, Iowa.

BEULAH BANCORPORATION, 

INC.

Newspaper:

Federal Register:

CIC 11/06/2012

11/02/2012

Retroactive Change in Control Notice by Quoin 

Financial Bank 401(K) Profit Sharing Plan, 

Miller, South Dakota (First Bank & Trust, 

Brookings, South Dakota, trustee; Tom, Jerry, 

and Garry Peterka with power to vote), and 

Goodman Group Management Deferred 

Compensation Rabbi Trust Plan, F/B/O Dan 

Peterka, Phoenix, Arizona (Wilmington Trust 

Retirement and Institutional Services Company, 

Phoenix, Arizona, trustee; Dan Peterka with 

power to vote), to join the Peterka Family Group 

which controls 25 % or more of the shares of M 

& H Financial Services Inc., Miller, South 

Dakota, and thereby indirectly controls Quoin 

Financial Bank, Miller, South Dakota.

M & H FINANCIAL SERVICES, 

INC.

Newspaper:

Federal Register:

* SLHC Not available

Formation 12/10/2012

The Miller Family 2012 Trust U/A Dated 

December 21, 2012, St. Cloud, Minnesota, to 

become a savings and loan holding company 

through the acquisition of 31.14% of the voting 

shares of Liberty Financial Services of St. 

Cloud, Inc., St. Cloud, Minnesota, a unitary 

savings and loan holding company that owns 

100% of the voting shares of Liberty Savings 

Bank, FSB, St. Cloud, Minnesota.

MILLER FAMILY 2012 TRUST 

U/A DATED DECEMBER 21, 2012, 

THE

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control notice by Stephen 

Wellington, Jr., Saint Paul, Minnesota, to 

acquire 10 percent or more of the shares of Plato 

Holdings, Inc., Saint Paul, Minnesota, and 

thereby indirectly gain control of Drake Bank, 

Saint Paul, Minnesota.

PLATO HOLDINGS, INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for First Quarter of 2013 (January 1, 2013 - March 31, 2013)

Institution Location

AMERICAN BK SAINT PAUL, MINNESOTA

AMERICAN BK BOZEMAN, MONTANA

AMERICAN ST BK OF PIERRE PIERRE, SOUTH DAKOTA

FARMERS ST BK OF MADELIA MADELIA, MINNESOTA

FIRST WESTERN B&TC MINOT, NORTH DAKOTA

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

Federal Reserve Bank of Kansas City

Filings received during the week ending November 24, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 11/21/2012

11/20/2012

Notice submitted by Gentner Drummond and 

Wendy Drummond, both of Tulsa, Oklahoma; 

and Jonathan Drummond, Stillwater, Oklahoma, 

as a group acting in concert, to acquire control 

of Cache Holdings, Inc., Broken Arrow, 

Oklahoma, parent of Patriot Bank, Broken 

Arrow, Oklahoma.

CACHE HOLDINGS, INC.

Newspaper:

Federal Register:

* 18C Not available

Not applicable

InterBank, Oklahoma City, Oklahoma, to merge 

with Town and Country Bank, Stephenville, 

Texas, and incident thereto, to establish 

branches in Stephenville (2), Glen Rose, 

Granbury, Bluff Dale, and Aledo, all in Texas.

INTERBANK

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Wyoming National Bank, Riverton, Wyoming, 

to retain its membership in the Federal Reserve 

System following its conversion from a national 

to a state charter.

WYOMING NATIONAL BANK

* 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

 403151 CORNERSTONE BK, YORK, NEBRASKA 07/23/2012 10/29/2012 S Int Sm Bank

 94755 SUNDANCE ST BK, SUNDANCE, WYOMING 07/30/2012 10/24/2012 S Small Bank

CRA Examinations scheduled for First Quarter of 2013 (January 1, 2013 - March 31, 2013)

Institution Location

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

Federal Reserve Bank of Dallas

Filings received during the week ending November 24, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

American State Bank, Arp, Texas, to acquire by 

merger East Texas National Bank of Palestine, 

Palestine, Texas; for consent to exercise trust 

powers pursuant to 12 C.F.R. Section 208.3(d)

(2), and to establish branches at [locations of to 

be retained].

AMERICAN STATE BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Notice filed by Mr. Clay B. Hermann, New 

Braunfels, Texas, to acquire a controlling 

interest in First State Bank Bancshares of 

Yoakum, Inc., Yoakum, Texas, pursuant to the 

Change in Bank Control Act.

FIRST STATE BANCSHARES OF 

YOAKUM, INC.

Newspaper:

Federal Register:

* 3A3 Not available

12/19/2012

Quanah Financial Corporation Employee Stock 

Ownership Plan, Quanah, Texas, to retain 32.73 

percent of Quanah Financial Corporation, 

Quanah, Texas, and indirectly First Capital 

Bank, Quanah, Texas.

QUANAH FINANCIAL 

CORPORATION EMPLOYEE 

STOCK OWNERSHIP PLAN

* 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

 884358 FIRST ST BK, LIVINGSTON, TEXAS 06/18/2012 12/17/2012 S Small Bank

CRA Examinations scheduled for First Quarter of 2013 (January 1, 2013 - March 31, 2013)

Institution Location

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

Federal Reserve Bank of San Francisco

Filings received during the week ending November 24, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/30/2012

Notice by Thomas Galt Atwood, Glen Ellen, 

California, and Cypress Abbey Company, 

Colma, California, to retain 10 percent or more of 

the outstanding shares of capital stock of FNB 

Bancorp, and thereby indirectly retain 10 perent 

or more of the voting shares of First National 

Bank of Northern California, both of South San 

Francisco, California.

FNB BANCORP

Newspaper:

Federal Register:

CIC Not available

11/21/2012

Notice of Change in Control by Barbara Marie 

Kershaw, Newport Beach, California, to retain 

her controlling interest of approximately 17.1% 

of the voting common stock of Malaga Financial 

Corporation and thereby indirectly Malaga 

Bank, FSB, both of Palos Verdes Estates, 

California.

MALAGA FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notice of Change in Control by Dr. 

Ruey Chry Kao, Je Tsu Kao, Daniel J. Kao & 

Linda Lee Kao, Christina Koa, Min-Hwan Kao & 

Yu-Fan C. Kao and related family members all of 

Las Vegas, Nevada, to acquire 10 percent or 

more of the voting shares of RBB Bancorp, and 

thereby indirectly acquire voting shares of 

Royal Business Bank, both of Los Angeles, 

California.

RBB BANCORP

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notice of Change in Control by 

Louis C. Chang, Su Cheng C. Chang, Peter 

Chang, Ellen Chang, and related family members 

all of Los Alamitos, California, to retain 10 

percent or more of the voting shares of RBB 

Bancorp and thereby indirectly retain 10 percent 

or more of the voting shares of Royal Business 

Bank, both of Los Angeles, California.

RBB BANCORP

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 3453737 ALTAPACIFIC BK, SANTA ROSA, CALIFORNIA 07/30/2012 11/15/2012 S Small Bank

 777366 BANK OF THE ORIENT, SAN FRANCISCO, CALIFORNIA 01/30/2012 05/30/2012 S Large Bank

 697763 WESTAMERICA BK, SAN RAFAEL, CALIFORNIA 04/09/2012 10/23/2012 S Large Bank

CRA Examinations scheduled for First Quarter of 2013 (January 1, 2013 - March 31, 2013)

Institution Location

EAST WEST BK PASADENA, CALIFORNIA

FIRST UT BK SALT LAKE CITY, UTAH

GOLD CANYON BK GOLD CANYON, ARIZONA

PRESIDIO BK SAN FRANCISCO, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act