Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 30 

Week Ending July 23, 2011

Board of Governors of the Federal Reserve System, Washington, DC 20551
Testimony and Statements

Dodd-Frank Act -- statement by Chairman Bernanke before the Senate Committee on 

Banking, Housing, and Urban Affairs on the first anniversary of the Dodd-Frank Act.

- Published, July 21, 2011

Forms

Forms -- final Board review to extend without revision the Basel II Interagency 

Pillar 2 Supervisory Guidance (FR 4199).

- Approved, July 21, 2011

Monetary and Financial Policy

Term Deposit Facility -- TDF auction of $5 billion in 28-day term deposits on 

July 25, 2011.

- Announced, July 20, 2011

Personnel

Division of Banking Supervision and Regulation -- appointment of Kirk Odegard, 

Michael Sexton, and Richard Watkins as assistant directors and of Richard A. Naylor 

and Lisa DeFerrari as deputy associate directors.

- Announced, July 18, 2011

Management Division -- appointment of Tara Pelitere as associate director and of 

Elaine Boutilier as senior adviser.

- Announced, July 18, 2011

Office of the Secretary -- appointment of Michael J. Lewandowski as assistant 

secretary.

- Announced, July 18, 2011

H.2 Board Actions July 17, 2011 to July 23, 2011

(A/C) = Addition or Correction Board - Page 1 of 3
Regulations and Policies

Automated Clearinghouse and Foreign Remittance -- report to Congress on the use of 

the automated clearinghouse system for remittance transfers to foreign countries, in 

accordance with the Dodd-Frank Act.

- Approved, July 13, 2011

(A/C)

Bankruptcy-Related Studies -- reports to Congress on two studies conducted by the 

Board, in consultation with the U.S. courts, on (1) the resolution of financial 

companies under the bankruptcy code and (2) international coordination relating to 

bankruptcy process for nonbank financial institutions, as required by the Dodd-Frank 

Act.

- Approved, July 13, 2011

(A/C)

Credit Rating References -- report to Congress regarding the use of credit rating 

references in Board regulations and efforts to develop alternative standards of 

creditworthiness, in accordance with the Dodd-Frank Act.

- Approved, July 21, 2011

Prepaid Cards -- report to Congress on government-administered, general-use prepaid 

cards, in accordance with the Dodd-Frank Act.

- Approved, July 20, 2011

Risk Management Supervision -- joint report to Congress on risk management 

supervision of designated clearing entities, in accordance with the Dodd-Frank Act.

- Approved, July 18, 2011

Savings and Loan Holding Company Supervision -- publication for comment of 

notice of the Board's intention to continue to enforce certain Office of Thrift 

Supervision regulations after assuming supervisory responsibility for savings and 

loan holding companies and their non-depository subsidiaries from the OTS in 

July 2011, in accordance with the Dodd-Frank Act.

- Announced, July 21, 2011

H.2 Board Actions July 17, 2011 to July 23, 2011

(A/C) = Addition or Correction Board - Page 2 of 3
Enforcement

Alterra Bank (formerly 1st Financial Bank), Overland Park, Kansas -- written 

agreement dated June 16, 2009, terminated June 29, 2011.

- Announced, July 21, 2011

Jones Bancshares, L.P., Waycross, Georgia, and PrimeSouth Bancshares, Inc. -- 

written agreement with the Federal Reserve Bank of Atlanta and the State of Georgia 

Department of Banking and Finance.

- Announced, July 19, 2011

Wells Fargo & Company, San Francisco, California, and Wells Fargo Financial, Inc., 

Des Moines, Iowa -- issuance of a consent cease and desist order and order of 

assessment of a civil money penalty.

- Announced, July 20, 2011

West Pointe Bancshares, Inc., Oshkosh, Wisconsin -- written agreement with the 

Federal Reserve Bank of Chicago.

- Announced, July 21, 2011

H.2 Board Actions July 17, 2011 to July 23, 2011

(A/C) = Addition or Correction Board - Page 3 of 3
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

OSD Office of Staff Director

July 17, 2011 to July 23, 2011

Bank Branches, Domestic

United Legacy Bank, Winter Park, Florida -- to establish a branch at 401 South 

Semoran Boulevard, Winter Park, and 425 US Highway 17-92 South, Longwood.

Atlanta

- Approved, July 22, 2011

Change in Bank Control

Native American Bancorporation Co., Denver, Colorado -- change in bank control of 

Native American and its subsidiary bank, Native American Bank, National 

Association, Denver.

Kansas City

- Permitted, July 20, 2011

Pinnacle Bancshares, Inc., Rogers, Arkansas -- change in bank control of Pinnacle 

and its subsidiary bank, Pinnacle Bank, Rogers.

St. Louis

- Permitted, July 20, 2011

Syringa Bancorp, Boise, Idaho -- change in bank control of Syringa and its subsidiary 

bank, Syringa Bank, Boise.

San Francisco

- Permitted, July 19, 2011

(A/C) = Addition or Correction Delegated - 1 of 2
Extensions of Time

American Express Company, New York, New York -- extension to January 1, 2015, 

of the first-floor-period start date under the advanced approaches risk-based capital 

rule for bank holding companies.

Chair, Committee on Bank Supervision

- Granted, July 21, 2011

PNC Bank, National Association, Wilmington, Delaware -- extension to 

December 31, 2011, to establish an agreement corporation subsidiary, Harris 

Williams UK Holdings, LLC, Richmond, Virginia.

Cleveland

- Granted, July 22, 2011

Membership

Great State Bank, Wilkesboro, North Carolina -- to become a member of the Federal 

Reserve System.

Richmond

- Approved, July 20, 2011

The Union Bank of Mena, Mena, Arkansas -- to become a member of the Federal 

Reserve System.

St. Louis

- Approved, July 21, 2011

H.2 Actions under delegated authority July 17, 2011 to July 23, 2011

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

Federal Reserve Bank of Boston

Filings received during the week ending July 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 3A3

08/01/2011

08/04/2011

Application by Provident Bancorp, Amesbury, 

Massachusetts, a mutual bank holding 

company, to form a wholly-owned, mid-tier, 

stock bank holding company, Provident 

Bancorp, Inc., Amesbury, Massachusetts, 

through its acquisition of 100% of the shares of 

The Provident Bank, Amesbury, 

Massachusetts, pursuant to section 3(a)(1) and 

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

1956, as amended.

PROVIDENT 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

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 July 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco BPI, S.A., Porto, Portugal, to establish 

representative offices in Newark, New Jersey 

and Fall River, Massachusetts, pursuant to 

Section 10(a) of the International Banking Act 

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

Regulation K.

BANCO BPI, S.A.

Newspaper:

Federal Register:

* 3A1

* 3A3

08/13/2011

08/15/2011

FNBNY Bancorp, Inc. and Modern Capital 

Holdings LLC ("Modern Capital"), both of New 

York, New York to acquire 100 percent of the 

voting shares of Madison National Bancorp, 

Inc. and Madison National Bank, both of 

Hauppauge, New York and become bank 

holding companies under Section 3(a)(1) and 

Modern Capital to acquire 24.9 percent of the 

voting shares of The Upstate National Bank, 

Lisbon, New York, under Section 3(a)(3) of the 

Bank Holding Company Act and Section 225.15 

of Regulation Y.

FNBNY BANCORP, INC.

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending July 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 18C

* 3A5

07/09/2011

07/08/2011

Customers Bancorp, Inc., Phoenixville, PA, to 

become a bank holding company through the 

reorganization of Customers Bank, Phoenixville, 

PA, resulting from the merger of New Century 

Interim Bank, Phoenixville, PA, with and into 

Customers Bank. Subsequently, Berkshire 

Bancorp, Wyomissing, PA, will merge with and 

into Customers Bancorp, Inc., and Berkshire 

Bank, Wyomissing, PA, will merge with and into 

Customers Bank, Phoenixville, PA.

CUSTOMERS BANCORP, INC

Newspaper:

Federal Register:

CIC Not available

07/21/2011

Patriot Financial Partners, GP, L.P., Patriot 

Financial Partners, L.P., Patriot Financial 

Partners Parallel, L.P., Patriot Financial Partners, 

GP, LLC, Patriot Financial Managers, L.P., and 

Messrs. Ira M. Lubert, W. Kirk Wycoff and 

James J. Lynch, all of Philadelphia, 

Pennsylvania, to purchase up to 24.9 percent of 

Heritage Oakes Bancorp, parent of Heritage 

Bank, both in Paso Robles, CA.

PATRIOT FINANCIAL 

PARTNERS LP

Newspaper:

Federal Register:

CIC Not available

08/11/2011

Patriot Financial Partners, GP, L.P., Patriot 

Financial Partners, L.P., Patriot Financial 

Partners Parallel, L.P., Patriot Financial Partners, 

GP, LLC, Patriot Financial Managers, L.P., and 

Messrs. Ira M. Lubert, W. Kirk Wycoff and 

James J. Lynch, all of Philadelphia, 

Pennsylvania, to purchase up to 24.9 percent of 

Porter Bancorp, Inc., Louisville, KY.

PATRIOT FINANCIAL 

PARTNERS LP

* 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 July 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Not applicable

The Commercial & Savings Bank, Millersburg, 

Ohio to purchase assets and assume liablities of 

two branches of Premier Bank & Trust, N.A., 

Wooster, Ohio.

COMMERCIAL AND SAVINGS 

BANK OF MILLERSBURG, OHIO, 

THE

* 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 July 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

BCSB Bancorp, Inc., Baltimore, Maryland, to 

engage in lending activities.

BCSB BANCORP, INC.

Newspaper:

Federal Register:

* 4c8 Not available

08/18/2011

Capital One Financial Corporation, McLean, 

Virginia, to acquire 100% of the voting 

securities of ING Bank, FSB, Wilmington, 

Delaware, and its subsidiaries, Sharebuilder 

Advisors, LLC Seattle, Washington, and ING 

Direct Investing, Inc., Seattle, Washington, and 

thereby engage in the activities related to 

operating a federal savings bank, investment 

financial advisory and securities brokerage 

services.

CAPITAL ONE FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

Member Not applicable

Not applicable

First Federal Bank, Charleston, South Carolina, 

to become a state member bank upon the charter 

conversion of First Federal Savings and Loan 

Association of Charleston.

FIRST FEDERAL SAVINGS AND 

LOAN ASSOCIATION

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Sonabank, McLean, Virginia, to acquire certain 

assets and assume certain liabilities of the 

Midlothian, Virginia, branch office of Bank of 

Hampton Roads, Norfolk, Virginia.

SONABANK

* 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 July 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco CAM, S.A.U., Alicante, Spain, to 

establish an international branch office located 

in Miami, Florida.

BANCO CAM,S.A.U.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Bankia, S.A., Valencia, Spain, to establish an 

international branch in Miami, Florida.

BANKIA, S.A.

Newspaper:

Federal Register:

CIC

Not available

Prior change in control notice filed by Ranjeet 08/29/2011

Singh Sidhu, Kuala Lumpur, Malaysia, to 

acquire approximately 85.54 percent of the 

outstanding shares of Hometown Community 

Bancshares, and its subsidiary, Hometown 

Community Bank, both of Braselton, Georgia.

HOMETOWN COMMUNITY 

BANCSHARES, 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

 3370133 SUNRISE BK, COCOA BEACH, FLORIDA 02/28/2011 06/19/2011 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 July 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/01/2011

Notice by Paul L. Martin and Pamela J. Martin, 

Bradenton, Florida, to gain control of Evans 

Bancshares, Inc., Evansdale, Iowa, and thereby 

indirectly control Fist Security State Bank, 

Evansdale, Iowa. Paul and Pamela Martin will 

collectively increase their ownership from 9.63 

percent to 12.43 percent with the purchase of 

2000 shares.

EVANS BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

The Northern Trust Company, Chicago, Illinois, 

to merge with Northern Trust, National 

Association, Miami, Florida, and thereby to 

establish 53 branches.

NORTHERN TRUST COMPANY, 

THE

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

The Northern Trust Company, Chicago, Illinois, 

to merge with Northern Trust Bank, FSB, 

Bloomfield Hills, Michigan, and thereby to 

establish 13 branches.

NORTHERN TRUST COMPANY, 

THE

Newspaper:

Federal Register:

* Branch Not available

Not applicable

The Northern Trust Company, Chicago, Illinois, 

to establish a branch to be located at 800 

Connecticut Avenue, NW, Suite #200, 

Washington, D.C.

NORTHERN TRUST COMPANY, 

THE

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Security State Bank, New Hampton, Iowa, to 08/09/2011

merge with State Bank & Trust Company, 

Waverly, Iowa and as a result of the merger will 

establish 5 branches.

SECURITY STATE BANK

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

Federal Reserve Bank of Chicago

Filings received during the week ending July 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/11/2011

Notices by (1) the Henry C. Kirschner Trust B1, 

the Henry C. Kirschner Trust A2, David E. 

Kirschner and Margaret

Kirschner, individually and as co-trustees of the 

Henry C. Kirschner Trust B1 and the Henry C. 

Kirschner Trust A2, the David E. Kirschner 

Declaration of Trust and David E. Kirschner as 

trustee, the Margaret Kirschner Declaration of 

Trust and Margaret Kirschner as trustee, The 

Noble 

Foundation, Philip and Cheryl Kirschner, 

Khajha Kirschner, Pamela Kirschner Bolduc, the 

Mary C. Kirschner 2007 Trust, and David E. 

Kirschner as trustee of the Mary C. Kirschner 

2007 Trust, to retain, as a group acting in 

concert, over 25 percent of the voting shares of 

Town and Country Financial Corporation, 

Springfield, Illinois, and thereby indirectly retain 

control of Town and Country Bank, Springfield, 

Illinois, and Logan County Bank, Lincoln, 

Illinois;(2) Margaret Kirschner, individually and 

as trustee and co-trustee of various trusts, to 

retain over 25% of the voting shares of Town 

and Country Financial Corporation, Springfield, 

Illinois, and thereby indirectly retain control 

of Town and Country Bank, Springfield, Illinois, 

and Logan County Bank, Lincoln, Illinois; and 

3) David E. Kirschner, individually and as 

trustee and co-trustee of various trusts, to 

retain over 25% of the voting shares of Town 

and Country Financial Corporation, Springfield, 

Illinois, and thereby indirectly retain control of 

Town and Country Bank, Springfield, Illinois, 

and Logan County Bank, Lincoln, Illinois.

TOWN AND COUNTRY 

FINANCIAL CORPORATION

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Village Bank & Trust Company, Arlington 

Heights, Illinois, to purchase certain assets and 

assume certain liabilities of a branch located in 

950 West Touhy Avenue, Park Ridge, Illinois, 

from Northbrook Bank & Trust Company, 

Northbrook, Illinois, and thereby to establish a 

branch at the same location.

VILLAGE BANK & TRUST

* 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 July 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 07/28/2011

08/03/2011

Notice by Teresa A. Grindstaff and Greg E. 

Allen, individually and as trustees of the 

William H. Cooper General Trust and the 

William H. Cooper Marital Trust, all of 

Farmington, Missouri, to gain voting control of 

First State Bancshares, Inc., Farmington, 

Missouri. Ms. Grandstaff and Mr. Allen also 

vote the shares of First State Bancshares, Inc. 

held by Cooper Investments, Inc., Farmington, 

Missouri.

FIRST STATE 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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending July 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/11/2011

Stephen L. Grobel, Tabb, Virginia, to 

individually, acquire 10 percent or more of the 

shares of First Community Bancorp, Inc., 

Glasgow, Montana, and thereby indirectly 

acquire control of First Community Bank, 

Glagow, Montana. In addition, Stephen L Grobel 

and Peter J. Grobel, Helena, Montana, to join the 

Grobel Family Group which controls 10 percent 

or more of First Community Bancorp, Inc., and 

thereby indirectly controls First Community 

Bank, Glasgow, Montana.

FIRST COMMUNITY BANCORP, 

INC.

Newspaper:

Federal Register:

CIC Not available

07/19/2011

Change in Control Notice by Robert Lynn 

Nelson, Cudjoe Key, Florida, to gain control of 

Kirkwood Bancorporation Co., Bismarck, North 

Dakota and thereby indirectly gain control of 

Kirkwood Bank and Trust Company, Bismarck, 

North Dakota, and Kirkwood Bancorporation of 

Nevada, Inc., Las Vegas, Nevada, and its 

subsidiary Kirkwood Bank of Nevada, Las 

Vegas, Nevada.

KIRKWOOD 

BANCORPORATION CO.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending July 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/04/2011

Notification by Jeffrey N. Bradley, Morrison, 

Colorado, to retain control of Evergreen 

Bancorporation, Evergreen, Colorado, parent of 

Evergreen National Bank, Evergreen, Colorado.

EVERGREEN 

BANCORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

FirstBank, Lakewood, Colorado, to establish a 08/05/2011

de novo branch at 6440 South Higley Road, 

Gilber, Arizona.

FIRSTBANK

Newspaper:

Federal Register:

CIC Not available

07/26/2011

Notice submitted by the Mark Elliott Robson 

2007 Trust, Mark Robson, trustee; and Mark 

Robson, individually, all of Jackson, Wyoming 

and as members of the Robson Family control 

group, to retain control of RCB Holding 

Company, Inc., Claremore, Oklahoma, parent of 

RCB Bank, Claremore, Oklahoma.

RCB HOLDING COMPANY, 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 July 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/05/2011

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

acquire additional shares up to 32% of The 

ANB Corporation, Terrell, Texas, and indirectly 

acquire The American National Bank of Texas, 

Terrell, Texas; Lakeside Bancshares, Inc., 

Rockwall, Texas; and Lakeside National Bank, 

Rockwall, Texas.

A.N.B. HOLDING COMPANY, 

LTD.

Newspaper:

Federal Register:

* 3A1 Not available

08/05/2011

Integrity Bancshares, Inc., Houston Texas, to 

become a bank holding company by acquiring 

100 percent of Integrity Bank, SSB, Houston, 

Texas.

INTEGRITY BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1

* 4c8

07/29/2011

07/28/2011

Strategic Growth Banking. LLC, El Paso, Texas, 

and Strategic Growth Banking Partners, LLC, 

both of El Paso, Texas, to become bank holding 

companies pursuant to Section 3(a)(1) through 

the acquisition of Las Cruces B.R.G., 

Incorporated, Las Cruces, New Mexico, and 

thus indirectly acquire control of Bank of the 

Rio Grande, National Association, Las Cruces, 

New Mexico, and to retain control of, pursuant 

to Section 4(c)(8), Capital Bank, State Savings 

Bank, El Paso, Texas.

STRATEGIC GROWTH 

BANKING, LLC

* 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 July 23, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 08/31/2011

08/11/2011

Interagency Notice of Change in Control by 

Castle Creek Capital Partners IV, L.P. and 

persons that are acting with or control Castle 

Creek Capital Partners IV, L.P. (Castle Creek 

Advisors IV, LLC; Castle Creek Capital IV, LLC; 

John T. Pietrzak; Pietrzak Advisory Corp.; John 

M. Eggemeyer, III; JME Advisory Corp.; 

William J. Ruh; Ruh Advisory Corp.; Mark G. 

Merlo; Legions IV Corp.; Joseph Mikesell 

Thomas and Thomas Advisory Corp., all of 

Rancho Santa Fe, California (together, 

Notificants)), to acquire up to 17.8 percent of 

the shares of First NBC Bank Holding Company, 

and indirectly First NBC Bank, both of New 

Orleans, Louisiana, pursuant to the Change in 

Bank Control Act of 1978.

FIRST NBC BANK HOLDING 

COMPANY

Newspaper:

Federal Register:

SLHC Formation Not applicable

Not applicable

Opus Bank, Redondo Beach, California, 

requests a waiver from filing an application in 

connection with the acquisition of Fullerton 

Community Bank, FSB, Fullerton, California.

OPUS BANK

Newspaper:

Federal Register:

Other Foreign Not applicable

Not applicable

Prior notice from Wells Fargo International 

Banking Corporation, San Francisco, California, 

to engage in underwriting and distributing and 

dealing in equity securities through its wholly 

owned subsidiary, Wells Fargo Securities 

International Limited, London, England.

WELLS FARGO & COMPANY

* 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