Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks;

Applications and Reports Received

5No.

Week Ending February 1, 2014

Board of Governors of the Federal Reserve System, Washington, DC 20551
Reserve Bank Operations

Reserve Bank Presidents -- revisions to compensation policy.

- Approved, January 27, 2014

Enforcement

Sunrise Bank, Cocoa Beach, Florida -- written agreement dated July 22, 2009,

terminated January 15, 2014.

- Announced, January 28, 2014

H.2 Board Actions January 26, 2014 to February 1, 2014

(A/C) = Addition or Correction Board - Page 1 1of
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

January 26, 2014 to February 1, 2014

MA Monetary Affairs

Bank Branches, Domestic

Iowa State Bank, Wapello, Iowa -- to establish a branch at 270 South 68th Street,

West Des Moines.

Chicago

- Approved, January 31, 2014

The Northern Trust Company, Chicago, Illinois -- to establish a branch at

301 Commerce Street, Fort Worth, Texas.

Secretary

- Approved, January 28, 2014

Bank Holding Companies

First Florida Bancorp, Inc., Destin, Florida -- to become a bank holding company by

acquiring First Florida Bank, Destin.

Atlanta

- Approved, January 27, 2014

Independent Bancshares, Inc. Employee Stock Ownership Plan, Red Bay, Alabama --

to acquire shares of Independent Bancshares, Inc., Red Bay, and its subsidiary,

Community Spirit Bank.

Atlanta

- Approved, January 27, 2014

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

Mid Illinois Bancorp, Inc., Employee Stock Ownership Plan, Peoria, Illinois --

(1) to become a bank holding company by acquiring an interest in Mid Illinois

Bancorp, Inc., Peoria, and thereby acquire control of South Side Trust and Savings

Bank of Peoria and (2) to engage in extending credit and servicing loans.

Chicago

- Approved, January 28, 2014

Bank Mergers

Bank 7, Oklahoma City, Oklahoma -- to merge with The Montezuma State Bank,

Montezuma, Kansas, and thereby establish two branches.

Kansas City

- Approved, January 31, 2014

Banks, State Member

Manufacturers and Traders Trust Company, Buffalo, New York -- to make certain

public welfare investments.

Director, BS&R

- Approved, January 29, 2014

Change in Bank Control

Financial Services of Winger, Inc., Winger, Minnesota -- change in bank control of

Financial Services of Winger and its subsidiary, Ultima Bank Minnesota, Winger.

Minneapolis

- Permitted, January 29, 2014

H.2 Actions under delegated authority January 26, 2014 to February 1, 2014

(A/C) = Addition or Correction Delegated - 2 of 3
Financial Holding Companies

Park National Corporation, Newark, Ohio -- election to become a financial holding

company.

Cleveland

- Effective, January 28, 2014

Membership

Commerce National Bank, Corinth, Mississippi -- to retain membership in the

Federal Reserve System on conversion to a state-chartered institution.

St. Louis

- Approved, January 29, 2014

First Central Bank, Warrensburg, Missouri -- to become a member of the Federal

Reserve System.

Kansas City

- Approved, January 31, 2014

First State Bank of Warren, Warren, Arkansas -- to become a member of the Federal

Reserve System.

St. Louis

- Approved, January 28, 2014

H.2 Actions under delegated authority January 26, 2014 to February 1, 2014

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

Federal Reserve Bank of Boston

Filings received during the week ending February 1, 2014

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

 228000 FRANKLIN SVG BK, FARMINGTON, MAINE 10/15/2013 01/25/2014 O Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending February 1, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 02/06/2014

02/10/2014

The Adirondack Trust Company Employee 

Stock Ownership Trust, Saratoga Springs, New 

York, to acquire fifty additional shares of 473 

Broadway Holding Corporation and two 

thousand additional shares of The Adirondack 

Trust Company, both of Saratoga Springs, New 

York.

ADIRONDACK TRUST 

COMPANY EMPLOYEE STOCK 

OWNERSHIP TRUST, 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 February 1, 2014

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 935111 MERCHANTS BK OF BANGOR, BANGOR, PENNSYLVANIA 09/09/2013 01/13/2014 O Int Sm Bank

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 February 1, 2014

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 February 1, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 02/24/2014

02/26/2014

Aquesta Financial Holdings, Inc., Cornelius, 

North Carolina, to become a bank holding 

company through the acquisition of 100% of the 

voting securities of Aquesta Bank, Cornelius, 

North Carolina.

AQUESTA FINANCIAL 

HOLDINGS, INC.

Newspaper:

Federal Register:

CIC 02/14/2014

02/19/2014

Filings by 1) B. Scott White and Blaine Scott 

White, II, both of Castlewood, Virginia, The B. 

Scott White Trust, the sole trustee of which is 

B. Scott White, and Tiffany C. White, 

Evergreen, Colorado, to individually control 

over 10%; 2) Sky Investments, LLC, 

Castlewood, Virginia, with its members Tiffany 

C. White, Blaine S. White II, and The B. Scott 

White Trust, to control 4.9%; 3) SBTB, L.P., a 

proposed qualified family partnership, the 

partners of which are The B. Scott White Trust, 

Tiffany C. White and Blaine S. White, II to 

control 8.15%; 4) B. Scott White IRA to control 

.71% and; 5) the group acting in concert to 

control 19.58% of the outstanding common 

stock of New Peoples Bankshares, Inc., 

Honaker, Virginia, and thereby indirectly control 

New Peoples Bank, Inc., Honaker, Virginia.

NEW PEOPLES BANKSHARES, 

INC.

Newspaper:

Federal Register:

* 4c8 Not available

* 18C 02/28/2014

Southern National Bancorp of Virginia, Inc., 

McLean, Virginia, to acquire 100% of the voting 

securities of Prince George's Federal Savings 

Bank, Upper Marlboro, Maryland. Additionally, 

Sonabank, McLean, Virginia, to merge with 

Prince George's Federal Savings Bank, Upper 

Marlboro, Maryland.

SOUTHERN NATIONAL 

BANCORP OF VIRGINIA, 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

 886624 CLEAR MNT BK, BRUCETON MILLS, WEST VIRGINIA 09/30/2013 01/28/2014 O Int Sm Bank

 3649624 GREAT ST BK, WILKESBORO, NORTH CAROLINA 11/04/2013 01/28/2014 S Small Bank

 911825 HERITAGE BK, NORFOLK, VIRGINIA 10/21/2013 01/22/2014 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 February 1, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

08/08/2013

Banco De Credito E Inversiones, Empresas Juan 

Yarur S.A.C., Inversiones Petro S.A., 

Inversiones Baquio LTDA., Inversiones Nueve 

LTDA., and Administraciones Baquio LTDA., 

all of Santiago, Chile, to become bank holding 

companies by acquiring 100 percent of CM 

Florida Holdings, Inc., Coral Gables, Florida, and 

its subsidiary, City National Bank of Florida, 

Miami, Florida.

BANCO DE CREDITO E 

INVERSIONES S.A.

Newspaper:

Federal Register:

CIC Not available

02/12/2014

Prior change in control notice filed by Frank 

Joseph Hanna, Jr., of Summerville, Georgia, to 

acquire up to 9.99 percent of the outstanding 

shares of Urban Trust Holdings, Inc., and its 

subsidiary bank, Urban Trust Bank, both of 

Lake Mary, Florida. Total pro forma ownership 

will be 100 percent.

URBAN TRUST HOLDINGS, INC.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending February 1, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

PWI Not applicable

Not applicable

Hinsdale Bank & Trust Company, Hinsdale, 

Illinois, has made an investment of $350,000 in a 

Loan Fund managed by Chicago Community 

Loan Fund (CCLF), a Community Development 

Financial Institution (CDFI).

HINSDALE BANK & TRUST 

COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

Iowa State Bank, Wapello, Iowa, to establish a 01/25/2014

branch facility to be located at 270 S 68th Street, 

West Des Moines, Iowa.

IOWA STATE BANK

Newspaper:

Federal Register:

PWI Not applicable

Not applicable

North Shore Community Bank & Trust 

Company, Wilmette, Illinois, has made an 

investment of $325,000 in a Loan Fund managed 

by Chicago Community Loan Fund (CCLF), a 

Community Development Financial Institution 

(CDFI).

NORTH SHORE COMMUNITY 

BANK & TRUST COMPANY

Newspaper:

Federal Register:

PWI Not applicable

Not applicable

State Bank of the Lakes, Antioch, Illinois, has 

made an investment of $325,000 in a Loan Fund 

managed by Chicago Community Loan Fund 

(CCLF), a Community Development Financial 

Institution (CDFI).

STATE BANK OF THE LAKES

Newspaper:

Federal Register:

PWI Not applicable

Not applicable

Village Bank & Trust Company, Arlington 

Heights, Illinois, has made an investment of 

$325,000 in a Loan Fund managed by Chicago 

Community Loan Fund (CCLF), a Community 

Development Financial Institution (CDFI).

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

 280044 BAYLAKE BK, STURGEON BAY, WISCONSIN 08/26/2013 01/25/2014 S Large Bank

 932745 FIRST CMNTY BK, HARBOR SPRINGS, MICHIGAN 09/30/2013 01/15/2014 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 February 1, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Central Bank of Lake of the Ozarks, Osage 

Beach, Missouri, to increase its investment in 

bank premises in the amount of $50,000.

CENTRAL BANK OF LAKE OF 

THE OZARKS

* 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 February 1, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/06/2014

The Ardath K. Solsrud 2012 Irrevocable Trust 

dated December 28, 2012, Robb B. Kahl, trustee, 

and The Glenn A. Solsrud 2012 Irrevocable 

Trust dated December 28, 2012, Robb B. Kahl, 

trustee, to each acquire 25% or more of the 

shares of Augusta Financial Corporation, 

Augusta, Wisconsin and thereby gain control 

of Unity Bank, Augusta, Wisconsin.

AUGUSTA FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

02/06/2014

The Ardath K. Solsrud 2012 Irrevocable Trust 

dated December 28, 2012, Robb B. Kahl, trustee, 

and The Glenn A. Solsrud 2012 Irrevocable 

Trust dated December 28, 2012, Robb B. Kahl, 

trustee, to each acquire 25% or more of the 

shares of Caprice Corporation, Augusta, 

Wisconsin, and thereby gain control of Unity 

Bank North, Red Lake Falls, Minnesota.

CAPRICE CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Citizens Community Bancorp Inc., Eau Claire, 

Wisconsin, to become a bank holding company 

by acquiring 100 percent of Citizens Community 

Federal National Association, Altoona, 

Wisconsin. Citizens Community Federal intends 

to convert from a federal savings bank to a 

national charter and be renamed Citizens 

Community Federal National Association.

CITIZENS COMMUNITY 

BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by The Lantz Bank Stock Trust, Lake 

Crystal, Minnesota, and Mr. Matthew W. Lantz, 

as trustee, and individually, Lake Crystal, 

Minnesota, to retain 25% or more of the shares 

of Lake Crystal Bancorporation, Inc., Lake 

Crystal, Minnesota, and thereby indirectly 

retain control of MinnStar Bank National 

Association, Lake Crystal, Minnesota.

LAKE CRYSTAL 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Minnesota Community Bancshares, Inc., 

Minneapolis, Minnesota, to become a bank 

holding company by acquiring 100 percent of 

Hartland Bancshares, Inc., Hartland, Minnesota, 

which owns Farmers State Bank of Hartland, 

Hartland, Minnesota.

MINNESOTA COMMUNITY 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 02/10/2014

02/12/2014

Change in Control notice by Robert Kruse, Saint 

Clair, Minnesota, and William Miller, Saint Peter, 

Minnesota, to each acquire control of 25% or 

more of the shares of Saint Clair Agency, Inc., 

Saint Clair, Minnesota, and thereby control 

Saint Clair State Bank, Saint Clair, Minnesota.

SAINT CLAIR AGENCY, INC.

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending February 1, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

02/27/2014

Stearns Financial Services, Inc., Employee Stock 

Ownership Plan, Saint Cloud, Minnesota, to 

retain and acquire additional stock and increase 

its ownership interest up to a maximum of 26% 

of Stearns Financial Services, Inc., Saint Cloud, 

Minnesota, and thereby indirectly increase its 

control of Stearns Bank National Association, 

Saint Cloud, Minnesota, Stearns Bank of 

Upsala, National Association, Upsala, 

Minnesota, and Stearns Bank of Holdingford, 

National Association, Holdingford, Minnesota.

STEARNS FINANCIAL 

SERVICES, INC. EMPLOYEE 

STOCK OWNERSHIP PLAN

* 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

 657758 CITIZENS B&TC, BIG TIMBER, MONTANA 10/07/2013 01/17/2014 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending February 1, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

FirstBank, Lakewood, Colorado, to establish a 02/12/2014

branch at 1720 Power Road, Mesa, Arizona.

FIRSTBANK

Newspaper:

Federal Register:

Member Not applicable

Not applicable

The Peoples Bank, Pratt, Kansas, to become a 

member of the Federal Reserve System.

PEOPLES BANK, THE

* 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

 463650 ADAMS B&TC, OGALLALA, NEBRASKA 09/16/2013 01/22/2014 S Int Sm Bank

 499453 FIRST ST BK NE, LINCOLN, NEBRASKA 10/15/2013 01/20/2014 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending February 1, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 01/29/2014

02/12/2014

Linda Ellis McGarraugh, Perryton, Texas, 

individually, and together with Benjamin Drew 

Ellis, II, Perryton, Texas; Dennis Scott 

McGarraugh, Perryton, Texas; Drew S. 

McGarraugh, Edmond, Oklahoma; Kris 

McGarraugh Wooten, Edmond, Oklahoma; Carl 

W. Ellis, Imperial Beach, California, as Trustee 

of the Carl Ellis Separate Property FPB Stock 

Revocable Trust and as Co-Trustee of the Ellis 

Family Trust; and Julianne Ellis, Imperial Beach, 

California, as Co-Trustee of the Ellis Family 

Trust; the Carl Ellis Separate Property FPB 

Stock Revocable Trust, Perryton, Texas; and the 

Ellis Family Trust, Imperial Beach, California, to 

acquire 10 percent or more of the shares of 

FirstPerryton Bancorp, Inc., Perryton, Texas, 

and thereby indirectly, FirstBank Southwest, 

Amarillo, Texas.

FIRSTPERRYTON BANCORP, 

INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Frost Bank, San Antonio, Texas, to establish a 

branch at 7859 Walnut Hill Lane, Suite C-01, 

Dallas, Texas 75230.

FROST BANK

Newspaper:

Federal Register:

* 3A5 02/05/2014

02/07/2014

Independent Bank Group, Inc., McKinney, 

Texas, to acquire by merger 100 percent of BOH 

Holdings, Inc., and indirectly acquire Bank of 

Houston, both of Houston, Texas.

INDEPENDENT BANK GROUP, 

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 February 1, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/28/2014

Notice of Change in Control by Scott M. 

Browning, Salt Lake City, Utah; Sally W. 

Browning, Salt Lake City, Utah; Gay Browning, 

Salt Lake City, Utah; Diane B. Oblock, 

Richmond, Utah; James M. Browning, Salt Lake 

City, Utah; Eliza R. Browning, Salt Lake City, 

Utah; Hannah B. Oblock, Richmond, Utah; 

Alyson B. Oblock, Richmond, Utah; Jennifer H. 

Kawasaki, Gallatin Gateway, Montana; Christine 

H. Chambers, Tremonton, Utah; The Scott M. 

Browning Living Trust (Scott Browning and 

Sally Browning trustees), The Gay Browning 

Living Trust (Gay Browning and Scott 

Browning Trustees), The Diane B. Oblock 

Living Trust (Diane B. Oblock and Scott M. 

Browning Trustees), The First Utah Irrevocable 

Trust for benefit of Alyson B. Oblock (Alyson 

B. Oblock and Hannah B. Oblock Trustees), 

The First Utah Irrevocable Trust for benefit of 

Hannah B. Oblock (Hannah B. Oblock and 

Alyson B. Oblock Trustees), The First Utah 

Irrevocable Trust for benefit of James M. 

Browning (James M. Browning and Eliza R. 

Browning Trustees), The First Utah Irrevocable 

Trust for benefit of Eliza R. Browning (Eliza R. 

Browning and James M. Browning Trustees), 

The First Utah Irrevocable Trust for benefit of 

Robert T. W. Browning (James M. Browning 

and Eliza R. Browning Trustees), The First Utah 

Irrevocable Trust for benefit of Jennifer H. 

Kawasaki (Jennifer H. Kawasaki and Christine 

H. Chambers Trustees), The First Utah 

Irrevocable Trust for benefit of Christine H. 

Chambers (Christine H. Chambers and Jennifer 

H. Kawasaki Trustees), to acquire and retain 25 

percent or more of the voting shares of First 

Utah Bancorporation,and thereby indirectly 

acquire and retain voting shares of First Utah 

Bank, both of Salt Lake City, Utah.

FIRST UTAH 

BANCORPORATION

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Taipei Fubon Commercial Bank Co., Ltd, Taipei, 

Taiwan, requests to establish a representative 

office in San Jose, California, pursuant to 

section 211.24(a)(1) of Regulation K.

TAIPEI FUBON COMMERCIAL 

BANK CO., LTD.

* 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

 2717012 PACIFIC MERC BK, COSTA MESA, CALIFORNIA 07/09/2012 01/14/2014 SN Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act