Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks;

Applications and Reports Received

No. 27

Week Ending July 6, 2013

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

Forms -- final Board review to extend without revision the Reporting and Disclosure

Requirements Associated with the Policy on Payments System Risk (PSR policy)

(FR 4102) and to extend with revision the Transfer Agent Registration and

Amendment Form (FR TA-1).

- Approved, July 2, 2013

Personnel

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

secretary, effective June 30, 2013.

- Announced, July 1, 2013

Regulations and Policies

Capital Rules -- Final and proposed rules to enhance regulatory capital requirements.

- Approved, July 2, 2013

Host-State Lending Ratios -- interagency release of the host-state loan-to-deposit

ratios used by the banking agencies to determine compliance with the Riegle-Neal

Interstate Banking and Branching Efficiency Act.

- Published, July 1, 2013

Regulation Z (Truth in Lending) -- publication for comment of proposed interagency

rule to create certain exemptions from the Dodd-Frank Act's appraisal requirements

for a subset of higher-priced mortgage loans.

- Approved, July 3, 2013

Enforcement

Ameri-National Corporation, Overland Park, Kansas -- written agreement dated

April 14, 2010, terminated June 28, 2013.

- Announced, July 2, 2013

H.2 Board Actions June 30, 2013 to July 6, 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

June 30, 2013 to July 6, 2013

MA Monetary Affairs

Bank Branches, Domestic

Bank Rhode Island, Providence, Rhode Island -- to establish a branch at 290 Main

Street, Wakefield.

Boston

- Approved, July 3, 2013

Bank Holding Companies

Equity Bancshares, Inc., Wichita, Kansas -- to acquire shares of Blue Valley Ban

Corp., Overland Park.

Kansas City

- Withdrawn, July 1, 2013

Guaranty Bancshares, Inc., Mount Pleasant, Texas -- waiver of application to acquire

The First State Bank, Hallsville, in connection with its merger with and into

Guaranty's subsidiary, Guaranty Bond Bank, National Association, Mount Pleasant.

Dallas

- Granted, July 3, 2013

Heritage Financial Corporation, Olympia, Washington -- waiver of application to

merge with Valley Community Bancshares, Inc., Puyallup, in connection with the

merger of their respective subsidiaries, Heritage Bank, Olympia, and Valley Bank,

Puyallup.

San Francisco

- Granted, July 5, 2013

(A/C) = Addition or Correction Delegated - 1 of 3
Bank Holding Companies

HomeTrust Bancshares, Inc., Asheville, North Carolina -- waiver of application to

acquire BankGreenville Financial Corporation, Greenville, South Carolina, in

connection with the merger of their respective subsidiaries, HomeTrust Bank,

Asheville, and BankGreenville, Greenville.

Richmond

- Granted, July 2, 2013

Banks, State Member

Chemical Bank, Midland, Michigan -- to make a public welfare investment.

Chicago

- Withdrawn, July 5, 2013

Change in Bank Control

Independent Alliance Banks, Inc., Fort Wayne, Indiana -- change in bank control of

Independent Alliance and its subsidiary, IAB Financial Bank, Fort Wayne.

Chicago

- Permitted, July 2, 2013

Johnson Financial Group, Inc., Racine, Wisconsin -- change in bank control of

Johnson Financial and its subsidiary, Johnson Bank, Racine.

Chicago

- Permitted, July 2, 2013

Texhoma Bancshares, Inc., Texhoma, Oklahoma -- to retain control of Texhoma and

its subsidiary, Anchor D Bank, Texhoma.

Kansas City

- Permitted, July 3, 2013

H.2 Actions under delegated authority June 30, 2013 to July 6, 2013

(A/C) = Addition or Correction Delegated - 2 of 3
Extensions of Time

Goldman Sachs Bank USA, New York, New York -- request for a 24-month

transition period under section 716(f) of the Dodd-Frank Act.

Director, BS&R

- Granted, July 2, 2013

Platte Valley Bank, Scottsbluff, Nebraska -- extension to October 16, 2013, to

establish a branch at 1850 10th Street, Gering.

Kansas City

- Granted, July 1, 2013

H.2 Actions under delegated authority June 30, 2013 to July 6, 2013

(A/C) = Addition or Correction Delegated - 3 of 3
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending July 6, 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

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 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Not applicable

Not applicable

Banco do Brasil S.A., Brasilia, Brazil, on behalf 

of its New York and Miami branches, request for 

transition period to conform swaps activities to 

those permissible under section 716 of the 

Dodd-Frank Act.

BANCO DO BRASIL S.A.

Newspaper:

Federal Register:

Not applicable

Not applicable

The Bank of New York Mellon, New York, New 

York, request for transition period to conform 

swaps activities to those permissible under 

section 716 of the Dodd-Frank Act.

BANK OF NEW YORK MELLON 

CORPORATION, THE

Newspaper:

Federal Register:

Not applicable

Not applicable

Canadian Imperial Bank of Commerce, New York 

Agency, New York, New York, request for 

transition period to conform swaps activities to 

those permissible under section 716 of the 

Dodd-Frank Act.

CANADIAN IMPERIAL BANK 

OF COMMERCE

Newspaper:

Federal Register:

Not applicable

Not applicable

Credit Agricole Corporate & Investment Bank 

New York Branch, New York, New York, request 

for transition period to conform swaps activities 

to those permissible under section 716 of the 

Dodd-Frank Act.

CREDIT AGRICOLE CORPORATE 

AND INVESTMENT BANK

Newspaper:

Federal Register:

* 4c8 07/10/2013

07/08/2013

Investors Bancorp, MHC and Investors 

Bancorp, Inc., both of Short Hills, New Jersey, 

providing notice pursuant to Section 4(c)(8) of 

the BHC Act and Section 225.24 of Regulation 

Y, to acquire Gateway Community Financial 

Corporation, MHC and Gateway Community 

Financial Corporation, and their wholly-owned 

subsidiary, GCF Bank, all of Sewell, New Jersey.

INVESTORS BANCORP, INC.

Newspaper:

Federal Register:

Not applicable

Not applicable

Natixis, New York Branch, New York, New York, 

request for transition period to conform swaps 

activities to those permissible under section 716 

of the Dodd-Frank Act.

NATIXIS

Newspaper:

Federal Register:

Not applicable

Not applicable

Societe Generale, New York Branch, New York, 

New York, request for transition period to 

conform swaps activities to those permissible 

under section 716 of the Dodd-Frank Act.

SOCIETE GENERALE

Newspaper:

Federal Register:

Not applicable

Not applicable

Standard Chartered Bank, New York Branch, 

New York, New York, request for transition 

period to conform swaps activities to those 

permissible under section 716 of the 

Dodd-Frank Act.

STANDARD CHARTERED BANK

Newspaper:

Federal Register:

Not applicable

Not applicable

Toronto-Dominion Bank, New York Branch, 

New York, New York, request for transition 

period to conform swaps activities to those 

permissible under section 716 of the 

Dodd-Frank Act.

TORONTO-DOMINION BANK, 

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

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 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* MHC Not available

Conversion

* SLHC 

Formation

07/15/2013

Delanco, MHC, Delanco, NJ, proposes to 

convert to stock form and merge with and into 

Delanco Bancorp, Inc., Delanco, New Jersey, 

which proposes to become a savings and loan 

holding company by acquiring Delanco Federal 

Savings Bank, Delanco, NJ.

DELANCO, MHC

Newspaper:

Federal Register:

* 3A1 Not available

07/18/2013

Prudential Mutual Holding Company, 

Philadelphia, PA, and Prudential Bancorp, Inc. 

of Pennsylvania, Philadelphia, PA, each to 

merge with and into Prudential Bancorp, Inc., 

Philadelphia, PA, and subsequently Prudential 

Bancorp, Inc. will acquire 100 percent of the 

outstanding stock of Prudential Saving Bank, 

Philadelphia, PA, in connection with the 

reorganization of Prudential Mutual Holding 

Company from a mutual structure to a stock 

form organization.

PRUDENTIAL BANCORP, INC.

* 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 6, 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 July 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

08/01/2013

United Bankshares, Inc., Charleston, West 

Virginia, and George Mason Bankshares, Inc., 

Fairfax, Virginia, to acquire 100% of the voting 

securities of Virginia Commerce Bancorp, Inc., 

Arlington, Virginia,and thereby indirectly 

acquire Virginia Commerce Bank, Arlington, 

Virgina.

UNITED BANKSHARES, INC.

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending July 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

07/05/2013

Ameris Bancorp, Moultrie, Georgia, to merge 

with The Prosperity Banking Company, St. 

Augustine, Florida, and thereby acquire its 

subsidiary, Prosperity Bank, St. Augustine, 

Florida.

AMERIS BANCORP

Newspaper:

Federal Register:

* 3A1 Not available

Not available

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:

* 3A1 Not available

07/18/2013

FBDC Financial Corp., to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of First Fidelity Bank, 

both of Fort Payne, Alabama.

FBDC FINANCIAL CORP.

Newspaper:

Federal Register:

* Branch

Not applicable

Franklin Synergy Bank, Franklin, Tennessee, to 06/28/2013

establish a branch located at 40 Moss Lane, 

Suite 100, Franklin, Tennessee.

FRANKLIN SYNERGY BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Franklin Synergy Bank, Franklin, Tennessee, to 

establish a branch located at 3301 Aspen Grove 

Drive, Suite 106, Franklin, Tennessee.

FRANKLIN SYNERGY BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

GDW Bankshares, Inc., to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of The Geo. D. Warthen 

Bank, both of Sandersville, Georgia.

GDW BANKSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

GDW Bankshares, Inc., to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of The Geo. D. Warthen 

Bank, both of Sandersville, Georgia.

GDW BANKSHARES, INC.

Newspaper:

Federal Register:

CIC 07/25/2013

07/15/2013

After-the-fact change in control notice filed by 

Lucie VanLandingham Beeley, Leesburg, 

Georgia, and Stevan Reynolds Tuck, Dawson, 

Georgia, to retain control of 27.50 percent of the 

outstanding shares of the Class B common 

stock of Georgia Community Bancorp, Inc., 

Dawson, Georgia, and its subsidiary, The 

Citizens State Bank of Taylor County, Reynolds, 

Georgia. Total proforma ownership is 100 

percent.

GEORGIA COMMUNITY 

BANCORP, INCORPORATED

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

Federal Reserve Bank of Atlanta

Filings received during the week ending July 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

07/12/2013

After-the-fact change of control notice filed by 

Louisiana Bancorp, Inc. Employee Stock 

Ownership Plan (ESOP), George Vernon Curry, 

Jr., and Lisa Rae Whittington, the trustees of 

the ESOP, both of Metairie, Louisiana, to retain 

approximately 17.9 percent of the outstanding 

shares and to acquire additional shares not to 

exceed 24.9 percent of the shares of Louisiana 

Bancorp, Inc. and its subsidiary, Bank of New 

Orleans, both of Metairie, Louisiana.

LOUISIANA BANCORP, INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

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

an international representative-administrative 

office located in Miami, Florida.

NCG BANCO, S.A.

* 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 July 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* MHC Not available

Conversion 07/12/2013

AJS Bancorp, MHC, a federally chartered 

mutual holding company, to convert to stock 

form and merge with AJS Bancorp, Inc., a 

federal corporation, both in Midlothian, Illinois. 

AJS Bancorp, Inc. will be merged into a new 

Maryland corporation named AJS Bancorp, Inc., 

which proposes to become a savings and loan 

holding company by acquiring 100 percent of 

the voting shares of A.J. Smith Federal Savings 

Bank, Midlothian, Illinois.

AJS BANCORP, MHC

Newspaper:

Federal Register:

CIC Not available

Not available

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

100 percent of the outstanding voting stock of 

Community Holdings Corp., Palos Hills, Illinois.

COMMUNITY HOLDINGS 

CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

Not available

Notice by First American Bank Corporation, Elk 

Grove Village, Illinois, to acquire up to 100 

percent of the voting shares of PNA Bank, 

Chicago, Illinois, through the merger of PNA 

Bank, Chicago, Illinois, with and into First 

American Bank, Elk Grove Village, Illinois, and 

thereby operate a savings association.

FIRST AMERICAN BANK 

CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

Not available

CFS Bancorp, Inc., Munster, Indiana, is 

proposed to merge with and into First 

Merchants Corporation, Muncie, Indiana. As a 

result of the merger, First Merchants 

Corporation, Muncie, Indiana, will also acquire 

100 percent of the voting shares of Citizens 

Financial Bank, Munster, Indiana, a federal 

savings bank, the wholly-owned subsidiary of 

CFS Bancorp, Inc., Munster, Indiana. 

Immediately following the merger, Citizens 

Financial Bank would be merged with and into 

First Merchants Bank, N.A., Muncie, Indiana, 

the wholly-owned subsidiary of First Merchants 

Corporation, Muncie, Indiana.

FIRST MERCHANTS 

CORPORATION

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Heartland Financial USA, Inc., Dubuque, Iowa, 

to acquire via merger Morrill Bancshares, Inc., 

Merriam, Kansas, and thereby indirectly acquire 

Morrill & Janes Bank and Trust Company, 

Overland Park, Kansas.

HEARTLAND FINANCIAL USA, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Home Bancorp Wisconsin, Inc., Madison, 

Wisconsin, to become a bank holding company 

through the acquisition of all of the outstanding 

voting stock of Home Savings Bank, Madison, 

Wisconsin. The bank holding company will be 

formed in connection with the proposed 

mutual-to-stock conversion of Home Savings 

Bank, a state chartered mutual savings bank. Pre 

filing review to determine compliance with 

Subpart E of Regulation MM, Conversions from 

Mutual to Stock Form.

HOME BANCORP WISCONSIN, 

INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending July 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

07/03/2013

Notice filed by Kristine Lubar MacDonald, 

Minneapolis, Minnesota, to join the existing 

Lubar Family Control Group through the 

acquisition of voting shares of Ixonia 

Bancshares, Inc., Ixonia, Wisconsin, and the 

indirect acquisition of shares of Ixonia Bank, 

Ixonia, Wisconsin.

IXONIA BANCSHARES, INC.

Newspaper:

Federal Register:

* MHC Not available

Conversion 07/15/2013

Lamplighter Financial, MHC, a federally 

chartered mutual holding company, to convert 

to stock form and merge with Waterstone 

Financial, Inc., a federal corporation, both in 

Wauwatosa, Wisconsin. Waterstone Financial, 

Inc. will be merged into a new Maryland 

corporation named Waterstone Financial, Inc., 

which proposes to become a savings and loan 

holding company by acquiring 100 percent of 

the voting shares of WaterStone Bank SSB, a 

Wisconsin stock savings bank.

LAMPLIGHTER FINANCIAL, 

MHC

Newspaper:

Federal Register:

CIC Not available

Not available

Gregory F. Steil, Hinsdale, Illinois, individually 

intends to retain 10 percent or more of the 

shares and thereby control LWCBancorp, Inc., 

New Lenox, Illinois.

LWCBANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

07/26/2013

STC Bancshares Corp., St. Charles, Illinois, to 

acquire 100 percent of the voting shares of Bank 

of Palatine, Palatine, Illinois.

STC BANCSHARES CORP.

Newspaper:

Federal Register:

CIC 07/19/2013

07/01/2013

Notice of Change in Control by Washington 

Bancorp Employee Stock Ownership Plan to 

retain control of 17.52 percent of the 

outstanding voting shares of Washington 

Bancorp, and thereby indirectly control of 

Federation Bank, all of Washington, Iowa.

WASHINGTON BANCORP

* 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 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 07/28/2013

08/01/2013

Banc Investors, L.L.C., Town and Country, 

Missouri, to acquire 33.32 percent of the voting 

shares of 1st Advantage Bancshares, Inc., St. 

Peters, Missouri, and thereby indirectly acquire 

1st Advantage Bank, St. Peters, Missouri.

BANC INVESTORS, LLC

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Centennial Bank, Conway, Arkansas, to merge 07/28/2013

with Liberty Bank of Arkansas, Jonesboro, 

Arkansas, and to retain the acquired facilities as 

branch offices.

CENTENNIAL BANK

Newspaper:

Federal Register:

* 3A5 07/28/2013

08/02/2013

Home Bancshares, Inc., Conway, Arkansas, to 

acquire through merger Liberty Bancshares, Inc. 

and thereby indirectly acquire Liberty Bank of 

Arkansas, both of Jonesboro, Arkansas.

HOME BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 07/31/2013

07/22/2013

Notice by BJO Limited Partnerships, an 

Arkansas Limited Partnership, North Little Rock 

Arkansas, to retain control of National Banking 

Corp., North Little Rock, Arkansas.

NATIONAL BANKING CORP.

* 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 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

07/08/2013

Retroactive notice by Charlotte Aldinger and 

Jeri Haberstroh, both of Mott, North Dakota, as 

trustees/administrators of the Commercial Bank 

of Mott Employee Stock Ownership Plan, Mott, 

North Dakota ("ESOP"), to retain control of 

ESOP and thereby indirectly retain control of 

Commercial Bank of Mott, Mott, North Dakota.

COMMERCIAL BANK OF MOTT 

EMPLOYEE STOCK OWNERSHIP 

PLAN

Newspaper:

Federal Register:

CIC 07/04/2013

07/08/2013

Change in Control Notice by Gale M. Hoese, 

Glencoe, Minnesota, to acquire control of 10 

percent or more of the voting shares of Flagship 

Financial Group, Inc., Eden Prairie, Minnesota, 

and thereby indirectly gain control of Flagship 

Bank Minnesota, Wayzata, Minnesota. In 

addition, Gale M. Hoese, Glencoe, Minnesota, 

Todd Hoese, Waconia, Minnesota, David 

Hoese, Glencoe, Minnesota, Jeremy Hoese, 

Glencoe, Minnesota, Tamara Hoese, Glencoe, 

Minnesota, Jon Hoese, Glencoe, Minnesota, 

Chad Hoese, Glencoe, Minnesota, David 

Schornack, Perham, Minnesota, and Denise 

Schornack, Perham, Minnesota, as a group 

acting in concert to acquire control of 25 

percent or more of the voting shares of Flagship 

Financial Group, Inc.

FLAGSHIP FINANCIAL GROUP, 

INC.

Newspaper:

Federal Register:

CIC Not available

07/11/2013

Change in Control notice by Peter F. Lindholm, 

Long Lake, Minnesota, individually and as 

trustee of Peter F. Lindholm 2012 Irrevocable 

Trust, to retain 25 percent or more of the shares 

of Maple Banc Shares, Inc., Maple Plain, 

Minnesota, and thereby indirectly retain control 

of Bank of Maple Plain, Maple Plain, Minnesota.

MAPLE BANC SHARES, INC.

Newspaper:

Federal Register:

CIC Not available

07/17/2013

Retroactive change in control notice by Carla A. 

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

more of the shares of Park Bank Corporation of 

Duluth, Duluth, Minnesota, and thereby 

indirectly retain control of Park State Bank, 

Duluth, Minnesota.

PARK BANK CORPORATION OF 

DULUTH

Newspaper:

Federal Register:

* 3A3 Not available

07/29/2013

Tolna Bancorp, Inc., Tolna, North Dakota, to 

acquire 100 percent of McVille Financial 

Services, Inc., McVille, North Dakota, and 

thereby indirectly acquire McVille State Bank, 

McVille, North Dakota.

TOLNA BANCORP, 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 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 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

* 3A1 Not available

B.O.E. Bancshares, Inc., Lawton, Oklahoma, to 

acquire through its acquisition subsidiary, 

B.O.E. Chickasha Corp, Lawton, Oklahoma, 100 

percent of the voting shares of Chickasha 

Bancshares, Inc., Chickasha, Oklahoma, parent 

of Chickasha Bank & Trust Company, 

Chickasha, Oklahoma.

B.O.E. BANCSHARES, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending July 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

07/15/2013

Overton Financial Corporation, Overton, Texas, 

and Overton Delaware Corporation, Dover, 

Delaware, to acquire up to 50 percent of the 

issued and outstanding shares of voting 

common stock of Longview Financial 

Corporation, Longview, Texas, and its wholly 

owned subsidiary, Texas Bank and Trust 

Company, Longview, Texas.

OVERTON FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

07/15/2013

Overton Financial Corporation, Overton, Texas, 

to indirectly acquire, through Lindale Delaware 

Corporation, Dover, Delaware, an additional 

21,951 common shares (6.08 percent) of 

Longview Financial Corporation, Longview, 

Texas, and its wholly owned subsidiary, Texas 

Bank and Trust Company, Longview, Texas; 

and Lindale Delaware Corporation, Dover, 

Delaware, to directly acquire 21,951 common 

shares (6.08 percent) of Longview Financial 

Corporation, Longview, Texas, and its wholly 

owned subsidiary, Texas Bank and Trust 

Company, Longview, Texas.

OVERTON FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Prior notice by David C. Hernandez, as 

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

Dallas, Texas, the general partner of Southwest 

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

control of greater than 25 percent of Strategic 

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

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

Bank of the Rio Grande, Las Cruces, New 

Mexico; Mile High Banks, Longmont, Colorado; 

and First National Bank of Santa Fe, Santa Fe, 

New Mexico.

STRATEGIC GROWTH BANK 

INCORPORATED

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending July 6, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

Not applicable

Green Dot Bank, Provo, Utah, to acquire certain 07/12/2013

assets and assume certain liabilities of GE 

Capital Retail Bank, Draper, Utah.

GREEN DOT BANK DBA 

BONNEVILLE BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

IMB HoldCo LLC, OneWest Bank Group LLC, 

IMB Management Holdings GP LLC, IMB 

Management Holdings LP, all of Pasadena, 

California, and The SHM 2009D Trust, Palm 

Beach, Florida, to become bank holding 

companies upon the conversion of OneWest 

Bank, FSB, Pasadena, California, from a federal 

savings association to a national bank.

IMB HOLDCO LLC

* 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