Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks;

Applications and Reports Received

No. 26

Week Ending June 29, 2013

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

Private Student Loans -- statement by Todd Vermilyea, senior associate director,

Division of Banking Supervision and Regulation, before the Senate Committee on

Banking, Housing, and Urban Affairs, on the Federal Reserve's approach to

supervising financial institutions engaged in student lending.

- Published, June 25, 2013

Enforcement

Farmers Bank, Ault, Colorado -- written agreement dated May 19, 2010, terminated

June 20, 2013.

- Announced, June 25, 2013

H.2 Board Actions June 23, 2013 to June 29, 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 23, 2013 to June 29, 2013

MA Monetary Affairs

Bank Branches, Domestic

Community Trust Bank, Choudrant, Louisiana -- to establish a branch at

3838 Oak Lawn Avenue, Dallas, Texas.

Dallas

- Approved, June 26, 2013

Fifth Third Bank, Cincinnati, Ohio -- to establish a temporary branch at

1000 Chastain Road, Kennesaw, Georgia.

Cleveland

- Approved, June 28, 2013

The Genoa Banking Company, Genoa, Ohio -- to establish a branch at

5501 Monroe Street, Sylvania, and to exceed the limit on investment in bank

premises.

Cleveland

- Approved, June 28, 2013

Bank Holding Companies

Farmers National Banc Corp., Canfield, Ohio -- to acquire National Associates, Inc.,

Cleveland, and thereby engage in employee benefits consulting.

Cleveland

- Approved, June 24, 2013

(A/C) = Addition or Correction Delegated - 1 of 4
Bank Holding Companies

Jacksonville Bancorp, Inc., Jacksonville, Illinois -- to become a bank holding

company through the termination of the savings association election by its subsidiary,

Jacksonville Savings Bank, Jacksonville.

St. Louis

- Approved, June 27, 2013

Northeast Bancorp, Lewiston, Maine, and Northeast Bank -- modification of certain

commitments.

Boston

- Granted, June 28, 2013

Omega Capital Corp., Lakewood, Colorado -- to engage in lending activities.

Kansas City

- Approved, June 27, 2013

Reeves Bancshares, Inc., Gould, Oklahoma -- to engage in insurance activities

through the formation of Southwest Crop Insurance Agency, LLC, Gould.

Kansas City

- Approved, June 25, 2013

Riverview Financial Corporation, Halifax, Pennsylvania -- to acquire Union

Bancorp, Inc., Pottsville.

Philadelphia

- Approved, June 25, 2013

H.2 Actions under delegated authority June 23, 2013 to June 29, 2013

(A/C) = Addition or Correction Delegated - 2 of 4
Bank Holding Companies

ST Financial Group, Inc., College Station, Texas -- waiver of application to indirectly

acquire Peoples Bank, Colleyville, in connection with its merger with and into

ST Financial's subsidiary, Spirit of Texas Bank, SSB, College Station.

Dallas

- Granted, June 27, 2013

Virginia National Bankshares Corporation, Charlottesville, Virginia -- to become a

bank holding company by acquiring Virginia National Bank, Charlottesville.

Richmond

- Withdrawn, June 28, 2013

Wildcat Bancshares, Inc., Springfield, Missouri -- to acquire CBR Bancshares

Corporation, Rogersville, and its subsidiary, Citizens Bank of Rogersville.

St. Louis

- Approved, June 24, 2013

Bank Mergers

Clear Lake Bank and Trust Company, Clear Lake, Iowa -- to purchase the assets and

assume the liabilities of two Mason City branches of Community National Bank,

Waterloo.

Chicago

- Withdrawn, June 27, 2013

Change in Bank Control

Commerce Bank and Trust Holding Company, Topeka, Kansas -- to retain control of

Commerce Bank and Trust and its subsidiary, CoreFirst Bank & Trust, Topeka.

Kansas City

- Permitted, June 28, 2013

H.2 Actions under delegated authority June 23, 2013 to June 29, 2013

(A/C) = Addition or Correction Delegated - 3 of 4
Change in Bank Control

Oliver Bancorporation, Inc., Center, North Dakota -- change in bank control of

Oliver Bancorporation and its subsidiary, Security First Bank of North Dakota,

New Salem.

Minneapolis

- Permitted, June 25, 2013

Oliver Bancorporation, Inc., Center, North Dakota -- to retain control of Oliver

Bancorporation and its subsidiary, Security First Bank of North Dakota, New Salem.

Minneapolis

- Permitted, June 25, 2013

Southern BancShares (N.C.), Inc., Mount Olive, North Carolina -- change in bank

control of Southern BancShares and its subsidiary, Southern Bank and Trust

Company, Mount Olive.

Richmond

- Permitted, June 25, 2013

Membership

NobleBank & Trust, N.A., Anniston, Alabama -- to retain membership in the Federal

Reserve System upon conversion to a state charter.

Secretary

- Approved, June 26, 2013

H.2 Actions under delegated authority June 23, 2013 to June 29, 2013

(A/C) = Addition or Correction Delegated - 4 of 4
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending June 29, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Bank Rhode Island, Providence, 06/27/2013

Rhode Island, to establish a branch at 290 Main 

Street, Wakefield, Rhode Island, pursuant to 

Section 208.6 of Regulation H.

BANK RHODE ISLAND

* 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

 654300 WASHINGTON SVG BK, LOWELL, MASSACHUSETTS 02/19/2013 06/10/2013 O Small 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 June 29, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Not applicable

Not applicable

The Bank of Nova Scotia 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.

BANK OF NOVA SCOTIA, THE

Newspaper:

Federal Register:

Not applicable

Not applicable

Deutsche Bank AG 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.

DEUTSCHE BANK 

AKTIENGESELLSCHAFT

Newspaper:

Federal Register:

Not applicable

Not applicable

Goldman Sachs Bank USA, New York, New 

York, request for transition period to conform 

swaps activities to those permissible under 

section 716 of the Dodd-Frank Act.

GOLDMAN SACHS BANK USA

Newspaper:

Federal Register:

* 4c8 Not available

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.

* 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 June 29, 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

Not available

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

 440110 LIVERPOOL CMNTY BK, LIVERPOOL, PENNSYLVANIA 01/22/2013 06/13/2013 S Small 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 June 29, 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 June 29, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

 310875 SHORE BK, ONLEY, VIRGINIA 02/25/2013 06/13/2013 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 June 29, 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

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 available

Not applicable

Franklin Synergy Bank, Franklin, Tennessee, to 

establish a branch located at 40 Moss Lane, 

Suite 100, Franklin, Tennessee.

FRANKLIN SYNERGY BANK

Newspaper:

Federal Register:

CIC Not available

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

Newspaper:

Federal Register:

* Branch

Not applicable

IBERIABANK, Lafayette, Louisiana, to 07/08/2013

establish a branch located at the intersection of 

Canal and Tonti, New Orleans, Louisiana, to be 

known as the Canal Branch.

IBERIABANK

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

Filings received during the week ending June 29, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 07/02/2013

07/01/2013

Charles P. Stephens, Atlanta, Georgia, 

individually and as trustee of MAD Trust for 

S.D. Stephens, SDT U/A 12-23-92 trust, MAD 

GST for CA Stephens trust, and MAD GST for 

SR Stephens trust; Sandra D. Stephens, Atlanta, 

Georgia, individually and as trustee of MAD 

Trust for S.D. Stephens, MAD GST for CA 

Stephens trust, and MAD GST for SR Stephens 

trust; Scott R. Stephens, Lake Panasofkee, 

Florida, individually and as trustee of MAD 

Trust for S.D. Stephens; Charles A. Stephens, 

Atlanta, Georgia, individually; Stephanie T. 

Stephens, Atlanta, Georgia, individually; 

Longball Ventures LLC, Jacksonville, Florida; 

M. Austin Davis Foundation, Jacksonville, 

Florida; Ventura Investments, LLC, Jacksonville, 

Florida; SDT U/A 12-23-92 trust, Jacksonville, 

Florida; MAD GST for CA Stephens trust, 

Jacksonville, Florida; and MAD GST for SR 

Stephens trust, Jacksonville, Florida intend to 

apply to the Federal Reserve Board for 

permission to retain 10 percent or more of the 

shares of Piedmont Bancorp, Inc., and its 

subsidiary bank, The Piedmont Bank, both of 

Norcross, Georgia.

PIEDMONT BANCORP, 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

 680130 CITIZENS TR BK, ATLANTA, GEORGIA 01/14/2013 06/09/2013 S Int Sm Bank

 479839 TENNESSEE ST BK, PIGEON FORGE, TENNESSEE 10/22/2012 06/09/2013 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending June 29, 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 05/31/2013

06/27/2013

Notice by the Downing Family (D. Robert and 

Ardene K. Downing, Kamie Lynn-Downing and 

Gary L. Haynes, and Karey Downing and Todd 

R. Bishop, and Downing Family Investments, 

Inc., all of Indianola, Iowa) together as a group 

acting in concert, to retain control of Central 

South Bancorporation, Inc., Indianola, Iowa, 

and thereby indirectly Peoples Savings Bank, 

Indianola, Iowa.

CENTRAL SOUTH 

BANCORPORATION, INC.

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:

* 18C

Not applicable

First Farmers Bank & Trust Company, 07/07/2013

Converse, Indiana, proposes to acquire certain 

assets and assume certain liabilities of Bank of 

Indiana, N.A., Dana, Indiana, and thereby 

establish 3 branches.

FIRST FARMERS BANK & 

TRUST

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:

* 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.

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

Federal Reserve Bank of Chicago

Filings received during the week ending June 29, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 07/22/2013

07/19/2013

Notice by Town Center Bancorp, Inc., New 

Lenox, Illinois, to become a bank holding 

company by acquiring control of Town Center 

Bank, Frankfort, Illinois.

Town Center Bancorp, Inc.

Newspaper:

Federal Register:

CIC Not available

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

 37949 BANK OF RANTOUL, RANTOUL, ILLINOIS 12/10/2012 06/05/2013 S Small Bank

 1007846 FIRST MIDWEST BK, ITASCA, ILLINOIS 08/27/2012 05/22/2013 O Large 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 June 29, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

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 L.L.C.

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Centennial Bank, Conway, Arkansas, to merge 

with Liberty Bank of Arkansas, Jonesboro, 

Arkansas.

CENTENNIAL BANK

Newspaper:

Federal Register:

* 3A5 Not available

Not available

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:

* Branch

Not applicable

Summit Bank, Arkadelphia, Arkansas, to 07/05/2013

establish a bank facility to be located at 8201 

Phoenix Avenue, Ft. Smith, Arkansas.

SUMMIT BANK

* 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

 705444 ARKANSAS COUNTY BK, DE WITT, ARKANSAS 03/18/2013 06/19/2013 S Small Bank

 719656 CALLAWAY BK, FULTON, MISSOURI 03/04/2013 06/12/2013 S Small Bank

 33147 FARMERS B&TC, BLYTHEVILLE, ARKANSAS 02/04/2013 06/20/2013 S Int Sm Bank

 941541 PEOPLES BK OF ALTENBURG, ALTENBURG, MISSOURI 03/18/2013 06/13/2013 S Small Bank

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 June 29, 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 Not available

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

* 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 June 29, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 07/22/2013

07/25/2013

Citizens National Corporation, Wisner, 

Nebraska to acquire up to an additional .35 

percent for a total of 34.55 percent of the voting 

shares of Republic Corporation, parent of 

United Republic Bank, both in Omaha, 

Nebraska.

CITIZENS NATIONAL 

CORPORATION

* 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

 828651 ANB BK, DENVER, COLORADO 01/28/2013 05/30/2013 S Large Bank

 517357 CITIZENS BK OKLAHOMA, PAWHUSKA, OKLAHOMA 03/11/2013 06/10/2013 S Small Bank

 710176 FIRST MO BK, BROOKFIELD, MISSOURI 03/11/2013 06/11/2013 S Small Bank

 172158 FIRST NEODESHA BK, NEODESHA, KANSAS 03/11/2013 06/10/2013 S Small Bank

 85052 UINTA BK, MOUNTAIN VIEW, WYOMING 02/11/2013 05/28/2013 S Small 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 June 29, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 3A3

07/13/2013

07/22/2013

Athens, Tx Bancshares, Inc., Athens, Texas, to 

become a bank holding company by acquiring 

100 percent of First State Bank, Athens, Texas; 

the Jane Austin Chapman Limited Partnership, 

L.P., Frankston, Texas, and JSA Family Limited 

Partnership, Jacksonville, Texas, to acquire up 

to 5.9 percent and 4.3 percent, respectively, of 

Athens, Tx Bancshares, Inc., Athens, Texas.

ATHENS, TX BANCSHARES, 

INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Centennial Bank, Plainview, Texas, to establish 

a branch to be located at 1689 River Road, 

Boerne, Texas 78006.

CENTENNIAL BANK

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:

* 3A1 07/11/2013

07/12/2013

Royalty Bancshares, LLC, Weatherford, Texas, 

proposes to become a bank holding company 

by acquiring 100 percent of Miami Bancshares, 

Inc., Miami, Texas, and thereby indirectly 

acquire First State Bank Miami, Miami, Texas.

ROYALTY BANCSHARES, L.L.C.

Newspaper:

Federal Register:

* 3A3 07/07/2013

07/01/2013

Triumph Bancorp, Inc., and Triumph 

Consolidated Cos., LLC, of Dallas, Texas, to 

acquire 100 percent of National Bancshares, 

Inc., Bettendorf, Iowa, and indirectly THE 

National Bank, Moline, Illinois.

TRIUMPH BANCORP, 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

 473266 TEXAS FIRST BK, TEXAS CITY, TEXAS 02/04/2013 07/22/2013 S Int Sm Bank

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 June 29, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Green Dot Bank, Provo, Utah, to acquire certain 

assets and assume certain liabilities of GE 

Capital Retail Bank, Draper, Utah.

GREEN DOT BANK DBA 

BONNEVILLE BANK

* 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

 2714217 BANK OF SACRAMENTO, SACRAMENTO, CALIFORNIA 12/03/2012 03/26/2013 O Int Sm Bank

 207872 FIRST UT BK, SALT LAKE CITY, UTAH 03/04/2013 06/19/2013 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act