Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 9 

Week Ending March 2, 2013

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

Monetary Policy -- statement by Chairman Bernanke before the Senate Committee 

on Banking, Housing, and Urban Affairs on February 26 and the House Committee 

on Financial Services on February 27, 2013, on the semiannual monetary policy 

report to the Congress.

- Published, February 26, 2013

Forms

Forms -- initial Board review to implement the Annual Company-Run Stress Test 

Projections (FR Y-16).

- Proposed, February 27, 2013

Regulations and Policies

Regulation HH (Financial Market Utilities) -- publication for comment of 

amendments to authorize the Federal Reserve Banks to open accounts for and 

provide financial services to financial market utilities designated as systemically 

important by the Financial Stability Oversight Council, in accordance with the 

Dodd-Frank Act.

- Approved, February 25, 2013

Report on Debit Card Data -- biennial report on 2011 debit card volume and value, 

interchange fee revenue, certain debit card issuer costs, and fraud losses related to 

debit card transactions.

- Approved, February 19, 2013

(A/C)

Enforcement

Enforcement Actions -- interagency amendments to enforcement actions against 

13 mortgage servicers for deficiencies in mortgage loan servicing and foreclosure 

processing.

- Announced, February 28, 2013

H.2 Board Actions February 24, 2013 to March 2, 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

February 24, 2013 to March 2, 2013

MA Monetary Affairs

Bank Branches, Domestic

Coastal Community Bank, Everett, Washington -- to establish a branch at 

16419 Smokey Point Boulevard, Arlington.

San Francisco

- Approved, February 27, 2013

FirstBank, Lakewood, Colorado -- to establish a branch at 1559 North Litchfield 

Road, Goodyear, Arizona.

Kansas City

- Approved, March 1, 2013

Bank Holding Companies

4830 Acquisition Company, LLC, Tampa, Florida -- to become a bank holding 

company by acquiring Southern Commerce Bank, National Association, Tampa.

Atlanta

- Approved, February 26, 2013

Bank of the Ozarks, Inc., Little Rock, Arkansas -- waiver of application to acquire 

The First National Bank of Shelby, Shelby, North Carolina, in connection with its 

merger with and into Bank of the Ozarks, Inc.'s subsidiary, Bank of the Ozarks, Little 

Rock, Arkansas.

St. Louis

- Withdrawn, February 28, 2013

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

Baylake Corp., Sturgeon Bay, Wisconsin -- to provide registered investment advisory 

services to customers through its subsidiary, Admiral Asset Management, LLC, 

Green Bay.

Chicago

- Approved, February 27, 2013

Murphy-Wall Bancorp, Inc. Pinckneyville, Illinois -- to acquire Elkville State Bank, 

Elkville.

St. Louis

- Approved, February 27, 2013

Red River Bancshares, Inc., Alexandria, Louisiana -- waiver of application to merge 

with Fidelity Bancorp, Inc., Baton Rouge, in connection with the merger of their 

respective subsidiaries, Red River Bank, Alexandria, and Fidelity Bank, Baton 

Rouge.

Atlanta

- Granted, February 28, 2013

State Bankshares, Inc., Fargo, North Dakota -- to acquire Business Bancorporation, 

Inc., Minnetonka, Minnesota, and thereby acquire The Business Bank.

Minneapolis

- Approved, February 28, 2013

Bank Mergers

StellarOne Bank, Christiansburg, Virginia -- to acquire certain assets and assume 

certain liabilities of the 11450 Robious Road, Richmond, branch of Village Bank, 

Midlothian, and thereby establish a branch.

Richmond

- Approved, February 28, 2013

H.2 Actions under delegated authority February 24, 2013 to March 2, 2013

(A/C) = Addition or Correction Delegated - 2 of 3
Change in Bank Control

Amalgamated Investments Company, Chicago, Illinois -- change in bank control of 

Amalgamated Investments Company and its subsidiary, Amalgamated Bank of 

Chicago, Chicago.

Chicago

- Permitted, March 1, 2013

Selko Banco, Inc., Mead, Nebraska -- change in bank control of Selko Banco and its 

subsidiary, Bank of Mead, Mead.

Kansas City

- Permitted, March 1, 2013

Extensions of Time

Country Club Bank, Kansas City, Missouri -- extension to May 28, 2013, to establish 

a branch at One Ward Parkway, Kansas City, and to increase its investment in bank 

premises.

Kansas City

- Granted, February 27, 2013

Membership

The First National Bank of Oxford, Oxford, Mississippi -- to become a member of 

the Federal Reserve System.

St. Louis

- Approved, February 26, 2013

H.2 Actions under delegated authority February 24, 2013 to March 2, 2013

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

Federal Reserve Bank of Boston

Filings received during the week ending March 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Application by South Shore Bank, South 02/28/2013

Weymouth, Massachusetts, to establish a 

full-service branch at 99 South Street, Hingham, 

Massachusetts, pursuant to Section 208.6 of 

Regulation H.

SOUTH SHORE BANK

Newspaper:

Federal Register:

* 3A1

* 3A3

02/25/2013

02/25/2013

Application by Wakefield Bancorp, MHC, 

Wakefield, Massachusetts, a mutual bank 

holding company, to form a wholly-owned, 

mid-tier, stock bank holding company, 

Wakefield Bancorp, Inc., Wakefield, 

Massachusetts, through its acquisition of 100% 

of the shares of The Savings Bank, Wakefield, 

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

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

of 1956, as amended.

WAKEFIELD BANCORP MHC

* 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 March 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

03/01/2013

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 Roma Financial Corporation MHC, 

Roma Financial Corporation, both of 

Robbinsville, New Jersey, and their 

wholly-owned subsidiaries, Roma Bank, 

Robbinsville, New Jersey and RomAsia Bank, 

South Brunswick Township, New Jersey.

INVESTORS 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 March 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/06/2013

03/05/2013

Mr. Gateano P. Giordano of Moorestown, NJ, to 

acquire up to 15.0% of Cornerstone Financial 

Corporation, Mt. Laurel, NJ.

CORNERSTONE FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC 03/06/2013

03/05/2013

Mr. Mark J. Baiada of Moorestown, NJ, to 

acquire up to 24.9% of Cornerstone Financial 

Corporation, Mt. Laurel, NJ.

CORNERSTONE FINANCIAL 

CORPORATION

* 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 March 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Prior Notice by PNC Bank, NA, Wilmington, 

Delaware, to make an additional $15 million 

investment in the agreement corporation, Harris 

Williams UK Holdings LLC, Richmond, Virginia, 

pursuant to section 211.9(f) of Regulation K

PNC BANK, NATIONAL 

ASSOCIATION

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notice of Change in Bank Control 

submitted by WVS Financial Corp., ESOP and 

John W. Grace, Trustee, Pittsburgh, PA to retain 

13.45% of the outstanding voting shares of 

WVS Financial Corp., Pittsburgh, PA and to 

acquire additional shares not to exceed 24.9% of 

WVS Financial Corp. total shares outstanding.

WVS FINANCIAL CORP.

* 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 March 2, 2013

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

Newspaper:

Federal Register:

CIC Not available

03/14/2013

Betty J. Wright, Mount Airy, North Carolina, to 

individually control 11.21% of Surrey Bancorp, 

Mount Airy, North Carolina, and together with 

the Hylton Wright Living Trust Agreement and 

ARMAT Foundation, as a group acting in 

concert, to control 12.31% of Surrey Bancorp.

SURREY BANCORP

* 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

 753324 BANK OF CLARKE CTY, BERRYVILLE, VIRGINIA 11/26/2012 02/27/2013 O Int Sm Bank

 3058329 FREDERICK CTY BK, FREDERICK, MARYLAND 11/05/2012 02/26/2013 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending March 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/05/2013

After-the-fact notification filed by George and 

Calliope Apostolou, Panagiotis Apostolou, 

Mark S. and Linda C. Berset, Derek S. Berset, 

Gary N. and Eileen L. Berset, Jason N. Berset, 

Kristin N. Berset, Larry C. and Mary S. 

Cunningham, Dennis R. Deloach, III, Jeffory H. 

and Sherry B. Forbes, Mohamed and Amira 

Helal, Nadine Helal, Tarek Helal, K&M 

Insurance Investors, LLC, Trifon Houvardas, 

Paul Houvardas, Bruce T. and Sheba Lucas, 

Universal Finance & Investments LLC, Sanjay 

Madhu, Alex Madhu, Andrew Madhu, Felix & 

Fiona, LLC, Ahmad Nematbakhsh, Harish and 

Khyati Patel, Pareshbhai and Neha Patel, 

Gregory Politis, Christos and Effie Politis, Peter 

Politis, Anthony and Maria Z. Saravanos, Shane 

R. and Nicole F. Stowell, Martin Traber, Mary J. 

Vattamattam, Shaju and Miriam Vattamattam and 

Harold J. Winner, all of Seminole, Florida, to 

retain 49.32 percent of the outstanding shares of 

First Home Bancorp, Inc., and its subsidiary, 

First Home Bank, both of Seminole, Florida.

FIRST HOME BANCORP, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

First Southern Bank, Boca Raton, Florida, to 

establish a branch located at 9965 San Jose 

Boulevard, Suite #52, Jacksonville, Florida.

FIRST SOUTHERN BANK

* 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 March 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Sabina Bosshard, Homer, Minnesota, 

individually, and as co trustee of the Sabina 

Bosshard Irrevocable Trust ("Trust"), and 

Sabina Bosshard, together as a group acting in 

concert with Trust, the Lindsey Bosshard Trust, 

Jeff Gray, LaCrosse, Wisconsin, as co trustee of 

Trust and trustee of the Lindsey Bosshard 

Trust, Ross E. Parke, New York, New York, as 

independent trustee of Trust, Kurt Bosshard, 

Kapaa, Hawaii, John Bosshard III, McCarthy, 

Alaska, William Bosshard and Andrew 

Bosshard, both of La Crosse, Wisconsin, 

Carlista Bosshard, Madison, Wisconsin, Joseph 

Bosshard and Makenzie Bosshard, both of 

Boulder, Colorado, Nathan Bosshard-Blakely, 

Berkeley, California, Elizabeth Bosshard-Blakely, 

South Pasadena, California, Alexandra 

Bosshard, Sandy, Utah, and John Bosshard, 

Superior, Colorado, to retain control of 25 

percent or more of the outstanding voting 

shares of Bosshard Financial Group, Inc., La 

Crosse, Wisconsin, and thereby to indirectly 

retain control of Grand Marsh State Bank, Grand 

Marsh, Wisconsin, and Farmers State Bank of 

Hillsboro, Hillsboro, Wisconsin.

BOSSHARD FINANCIAL GROUP, 

INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Gregory B. Lykins, as trustee of the 

EMK Special Trust and the ACM, Jr. 

Descendants Trust; August Christopher Meyer, 

Jr., individually and as trustee of each of the 

ACM, Jr. 2010 GRATs, the ACM, Jr. 2013 

GRATs, and the KCK, JAK and TCK 

Non-Exempt Special Trusts; Karen H. Meyer, as 

trustee of the Karen H. Meyer Revocable Trust; 

Elisabeth Meyer Kimmel, as trustee of each of 

the EMK 2010 GRATs and the EMK 2013 

GRATs Trusts and Gregory A. Kimmel, 

individually, as a group of related individuals 

and entities, have applied for permission to 

retain and acquire shares, and thereby join the 

existing Meyer/Kimmel Family Control Group of 

First Busey Corporation, Champaign, Illinois, 

pursuant to the Change in Bank Control Act of 

1978 (12 U.S.C.§ 1817(j)).

FIRST BUSEY CORPORATION

Newspaper:

Federal Register:

CIC Not available

01/31/2013

Stanley Dickson, Jr., Gross Pointe Park, 

Michigan, as an individual, and the group 

consisting of Stanley Dickson, Jr., Gross Pointe 

Park, Michigan, Steven Dickson, Rancho Santa 

Fe, California, Kathryn J. Dickson, Howell, 

Michigan and Riddle Limited Partnership, 

Howell, Michigan ("Riddle LP"), propose to 

acquire control of FNBH Bancorp, Inc., Howell, 

Michigan ("FNBH"), and thereby indirectly 

control First National Bank in Howell, Howell, 

Michigan.

FNBH BANCORP, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending March 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/07/2013

Palen Trust for Descendents and Edward Palen, 

as trustee of the Palen Trust for Descendents, 

both of Forrest, Illinois, individually, and 

together as a group acting in concert with the 

Palen Marital Trust, Forrest, Illinois, Edward 

Palen, Lorraine Palen, and Joseph Palen, all of 

Forrest, Illinois, individually and as co-trustees 

of the Palen Marital Trust, Elizabeth Dray and 

Judith Somers, both of Forrest, Illinois, Marie 

King, Piper City, Illinois, and Leona Pacheco, 

Springfield, Illinois, to retain control of 25 

percent or more of the voting shares of Forrest 

Bancshares, Inc., Forrest, Illinois, and thereby 

to indirectly retain control of First State Bank of 

Forrest, Forrest, Illinois.

FORREST BANCSHARES, INC.

Newspaper:

Federal Register:

CIC

Not available

LAF GW Investments, LLC (LAF GW), an 03/05/2013

Arkansas limited liability company, individually, 

with Stephen L. LaFrance, Jr., Little Rock, 

Arkansas, as the sole manager, and LAF GW 

and Stephen L. LaFrance, Jr., together as a 

group acting in concert with JSJ Properties, 

LLC, a Missouri limited liability company, with 

Stephen L. LaFrance, Jr., Jason P. LaFrance, and 

Joe Courtright, both of Little Rock, Arkansas, as 

managers, LAF Brothers Properties, LLC, an 

Arkansas limited liability company, with 

Stephen L. LaFrance, Jr. and Jason P. LaFrance 

as managers, the Stephen L. LaFrance, Sr. GW 

Investments Trust, with Stephen L. LaFrance, Jr. 

and Jason P. LaFrance as trustees, Jason P. 

LaFrance, and the Amy LaFrance Bancroft GW 

Investments Trust, with Stephen L. LaFrance, 

Sr., Pine Bluff, Arkansas, as trustee, to acquire 

10 percent or more of the outstanding voting 

shares of Greenwoods Financial Group, Inc., 

and thereby indirectly acquire control of The 

Greenwood's State Bank, both of Lake Mills, 

Wisconsin.

GREENWOODS FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

PWI Not applicable

Not applicable

Lake Forest Bank & Trust, Lake Forest, Illinois, 

to make a public welfare investment in Freeport 

Financial SBIC I L.P., Chicago, Illinois.

LAKE FOREST BANK & TRUST 

COMPANY

Newspaper:

Federal Register:

PWI Not applicable

Not applicable

Libertyville Bank & Trust Company, 

Libertyville, Illinois, to make a public welfare 

investment in Aldine Capital Fund II, L.P., 

Chicago, Illinois.

LIBERTYVILLE BANK & TRUST 

COMPANY

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

Federal Reserve Bank of Chicago

Filings received during the week ending March 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

The Clifford and Marjorie Danielson for M. Jane 

Danielson Child?s Trust; the Clifford and 

Marjorie Danielson for M. Jane Danielson?s 

Descendants Trust; the Clifford and Marjorie 

Danielson for Anne Pick Child?s Trust; the 

Clifford and Marjorie Danielson for Anne Pick?s 

Descendants Trust; Marjorie Jane Danielson; 

and Anne Danielson Pick (collectively), as a 

result of their presumed control of NI 

Bancshares, Corporation, Sycamore, Illinois and 

the sole shareholder of The National Bank & 

Trust Company, Sycamore, Illinois

NI BANCSHARES 

CORPORATION

Newspaper:

Federal Register:

PWI Not applicable

Not applicable

Northbrook Bank & Trust Company, 

Northbrook, Illinois, to make a public welfare 

investment in Aldine Capital Fund II, L.P., 

Chicago, Illinois.

NORTHBROOK BANK & TRUST 

COMPANY

Newspaper:

Federal Register:

* 3A3 Not available

Not available

QCR Holdings,Inc., Moline, Illinois, to acquire 

100 percent of Community National 

Bancorporation, Waterloo, Iowa, and thereby 

indirectly acquire Community National Bank, 

Waterloo, Iowa.

QCR HOLDINGS, INC.

Newspaper:

Federal Register:

PWI Not applicable

Not applicable

State Bank of The Lakes, Antioch, Illinois, to 

make a public welfare investment in Aldine 

Capital Fund II, L.P., Chicago, Illinois.

STATE BANK OF THE LAKES

Newspaper:

Federal Register:

PWI Not applicable

Not applicable

Town Bank, Hartland, Wisconsin, to make a 

public welfare investment in Freeport Financial 

SBIC I L.P., Chicago, Illinois.

TOWN BANK

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 312244 FIRST BK OF BERNE, BERNE, INDIANA 08/06/2012 02/12/2013 S Int Sm Bank

 791746 FIRST T&SB, MARCUS, IOWA 10/01/2012 02/18/2013 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending March 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

The First Capital Bank of Kentucky, Louisville, 

Kentucky, to become a member of the Federal 

Reserve System.

FIRST CAPITAL BANK OF 

KENTUCKY, THE

Newspaper:

Federal Register:

Member Not applicable

Not applicable

The Paducah Bank and Trust Company, 

Paducah, Kentucky, to become a member of the 

Federal Reserve System.

PADUCAH BANK AND TRUST 

COMPANY, THE

* 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 March 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/04/2013

03/05/2013

Change in Control notice by Richard Lee 

Newman, Mayville, North Dakota, to acquire 25 

percent or more of the shares of Full Service 

Insurance Agency Inc., Buxton, North Dakota, 

and thereby indirectly gain control of First State 

Bank, Buxton, North Dakota.

FULL SERVICE INSURANCE 

AGENCY, INC.

Newspaper:

Federal Register:

* 3A3 Not available

4c8 03/29/2013

Midwest Bancshares, Inc., Tyndall, South 

Dakota, to acquire 100 percent of Commercial 

Bank of Minnesota, Heron Lake, Minnesota. In 

addition, Midwest Bancshares, Inc., Tyndall, 

South Dakota, to acquire 100 percent of Risk 

Management Partners, Inc., Heron Lake, 

Minnesota, an insurance agency engaged in 

general insurance agency activities in a town 

with a population not exceeding 5000.

MIDWEST BANCSHARES, 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 March 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 03/15/2013

03/25/2013

BancFirst Corporation, Oklahoma City, 

Oklahoma, to bid to acquire 31,500 shares of 

perpetual preferred stock, representing 46 

percent of the equity interest of Spirit Bankcorp, 

Inc, Bristow, Oklahoma, issued under the 

Troubled Asset Relief Program of the U.S. 

Treasury in an upcoming, but not yet scheduled 

auction sponsored by the U.S. Treasury.

BANCFIRST CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Notice submitted by Troy and Crystal 

Faulkender, Oakley, Kansas; Jay and Brandy 

Todd, Rexford, Kansas; Darvin and Tammi 

Strutt, Colby, Kansas; Sharon and Ronnie 

Schamberger, Hoxie, Kansas; Crystal Ann 

Trauer, trustee of the Laurence Duane Trauer 

Tax Shelter Trust and the Crystal Ann Trauer 

Revocable Trust, both in Hays, Kansas; Nichole 

and Bret Tremblay, Manhattan, Kansas; Leslea 

and Brett Oelke, Hoxie, Kansas; Brittany 

Schamberger, Hoxie, Kansas, Taylore 

Schamberger, Hoxie, Kansas; Jerry and Melissa 

Spresser, Hoxie, Kansas; Larry and Julia 

Spresser, Pittsburg, Kansas; Brian and Sheri 

Baalman, Menlo, Kansas; and Samuel 

Brookover, Scott City, Kansas, as a group 

acting in concert, to acquire control of Big Mac 

Bancshares, Inc., Hoxie, Kansas, parent of 

Peoples State Bank, McDonald, Kansas.

BIG MAC BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

02/28/2013

Notification by Darryn W. Biggerstaff, Canon 

City, Colorado, to retain control of Canon Bank 

Corporation, parent of Canon National Bank, 

both of Canon City, Colorado.

CANON BANK CORPORATION

Newspaper:

Federal Register:

* 3A1 03/18/2013

03/28/2013

Eagle Bancshares, Inc., Eagle, Nebraska, to 

become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Eagle State Bank, Eagle, Nebraska.

EAGLE BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notification by Rick G. McKinney, Austin, 

Texas, to acquire control of Town & Country 

Bancshares, Inc., parent of Oklahoma State 

Bank, both in Guthrie, Oklahoma.

TOWN & COUNTRY 

BANCSHARES, LLC

Newspaper:

Federal Register:

CIC Not available

03/20/2013

Notice by the Bill and Twylah Horne Irrevocable 

Trust and Bill J. Horne, Jr., Ada, Oklahoma; 

Twylah Jenonne Kesler, Edmond, Oklahoma; 

and Jeanetta Bagwell, Ada, Oklahoma; as 

trustees and parties to the Vision Bancshares, 

Inc. Voting Agreement, to retain control of 

Vision Bancshares, Inc., parent of Vision Bank, 

National Association, both of Ada, Oklahoma.

VISION BANCSHARES, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending March 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Community Trust Bank, Choudrant, Louisiana, 

to establish a branch to be located at 384 East 

Stacy Road, Allen, Texas 75002.

COMMUNITY TRUST BANK

Newspaper:

Federal Register:

* 3A1 Not available

03/18/2013

R Corp Financial, Round Rock, Texas, to 

become a bank holding company by acquiring 

100 percent of R Bank, Round Rock, Texas.

R CORP FINANCIAL

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Texas Heritage Bancshares, Inc., Hondo, Texas, 

to acquire 100 percent of the common stock of 

Uvalde National Bank, Uvalde, Texas.

TEXAS HERITAGE 

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Wellington State Bank, Wellington, Texas, to 03/15/2013

establish a branch to be located at 800 West 

Wise Street, Suite A, Bowie, Texas 76230.

WELLINGTON STATE BANK

Newspaper:

Federal Register:

CIC 02/28/2013

03/18/2013

Notice by Al C. Flack, Jr., Wichita Falls, Texas, 

individually, and Al C. Flack, Jr., David A. Flack, 

and Allyson P. Flack, all of Wichita Falls, Texas, 

collectively a group acting in concert, to 

control, retain, and acquire 10 percent or more of 

Wichita Falls Bancshares, Inc., Wichita Falls, 

Texas, and indirectly, First National Bank, 

Wichita Falls, Texas.

WICHITA FALLS BANCSHARES, 

INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 March 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

4c8 03/08/2013

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management, LLC, Carpenter Community 

Bancfund, L.P., Carpenter Community 

Bancfund-CA, L.P., Carpenter Bank Partners, 

Inc., CCFW, Inc., all of Irvine, California, to 

acquire up to 38 percent of the voting stock of 

Pacific Mercantile Bancorp, and thereby 

indirectly acquire control of Pacific Mercantile 

Bank, both of Costa Mesa, California. Further, 

Pacific Mercantile Bancorp, Costa Mesa, 

California, Carpenter Fund Manager GP, LLC, 

Carpenter Fund Management, LLC, Carpenter 

Community Bancfund, L.P., Carpenter 

Community Bancfund-CA, L.P., Carpenter Bank 

Partners, Inc., CCFW, Inc., all of Irvine, 

California, to form a wholly-owned subsidiary of 

Pacific Mercantile Bancorp, PM Asset 

Management, Inc., Costa Mesa California, and 

to engage in extending credit and servicing 

loans, pursuant to section 225.28 (b)(1) of 

Regulation Y.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notice of Change in Control by the 

George Borba Family Trust, The Borba 

Children's Holding Trust, George A. Borba, Jr., 

Individually and as Co-Trustee, Linda Borba 

Gourdikian, Individually and as Co-Trustee, to 

acquire up to 11.06 percent control in CVB 

Financial Corp, and thereby indirectly acquire 

control of Citizens Business Bank, both of 

Ontario, California.

CVB FINANCIAL CORP.

Newspaper:

Federal Register:

* Branch

Not applicable

East West Bank, Pasadena, California, to 03/04/2013

establish a branch office at 800 E. Valley 

Boulevard, San Gabriel, California.

EAST WEST BANK

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:

* 3A1 Not available

* 4c8 Not available

One PacificCoast Foundation and One 

PacificCoast Bancorp, Inc., both of Oakland, 

California, to become bank holding companies 

by acquiring 100 percent of Albina Community 

Bank, Portland, Oregon, pursuant to section 3(a)

(1) of the BHC Act and 2)to retain 100 percent 

control of One PacificCoast Bank FSB, Oakland, 

California, and thereby engage in operating a 

nonbank thrift subsidiary, pursuant to section 

225.28(b)(4)(ii) of Regulation Y.

ONE PACIFICCOAST BANCORP, 

INC.

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

Federal Reserve Bank of San Francisco

Filings received during the week ending March 2, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/15/2013

Interagency Notice of Change in Control by the 

Thian Control Group, including Yee Phong 

(Alan) Thian, Fen Fen Thian, Min Yaw Thian, 

Min Tat Thian, and Gim Tie (Tony) Kheng, all of 

Arcadia, California; Fui Ming (Catherine) Thian, 

Lawrence S K Law, and Jor Leong Law all of 

Calabasas, California; Yee Chin (Victor) Thian of 

Glendale, California; Jennifer Wei Lim Kheng of 

San Francisco, California; Jor Teck Law of 

Beijing, China; Min Yang Thian of Kuala 

Lumpur, Malaysia; Min Jie Thian of New York, 

New York; United Overseas Investment, Inc. 

and Eastern Union, Inc., both of Sherman Oaks, 

California; and their related family members and 

interests, to retain 10 percent or more of the 

voting stock of RBB Bancorp, and thereby 

indirectly retain 10 percent or more of the voting 

stock of Royal Business Bank, both of Los 

Angeles, California.

RBB BANCORP

Newspaper:

Federal Register:

CIC Not available

02/15/2013

Interagency Notice of Change in Control by the 

Kao Control Group, including Dr. Ruey Chyr 

Kao, Je Tsu Kao, and James Kao, all of Las 

Vegas, Nevada; Dr. Min Hwan Kao and Yu Fan 

Kao of Leawood, Kansas; Daniel J. Kao and 

Linda Lee Kao of La Jolla, California; Christina 

Kao of Piscataway, New Jersey; and their 

related family members, to acquire 10 percent or 

more of the voting stock of RBB Bancorp, and 

thereby indirectly acquire 10 percent or more of 

the voting stock of Royal Business Bank, both 

of Los Angeles, California.

RBB BANCORP

Newspaper:

Federal Register:

CIC Not available

02/15/2013

Interagency Notice of Change in Control by the 

Chang Control Group, including Louis C. Chang 

and Su-Cheng C. Chang, both of Palos Verdes 

Estates, California; Peter Ming Chang of Los 

Alamitos, California; and their related family 

members, to acquire 10 percent or more of the 

voting stock of RBB Bancorp, and thereby 

indirectly acquire 10 percent or more of the 

voting stock 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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act