Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 25 

Week Ending June 23, 2012

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

Bank Supervision and Risk Management -- statement by Scott G. Alvarez, general 

counsel, before the House Committee on Financial Services on bank supervision, risk 

management, and the Federal Reserve's response to trading losses recently incurred 

by JPMorgan Chase & Co.

- Published, June 19, 2012

Personnel

Management Division -- appointment of Dave Harmon as associate director and chief 

human capital officer, effective June 25, 2012.

- Approved, June 18, 2012

Regulations and Policies

Foreclosure Review and Remediation -- (1) interagency guidance on determining 

borrower remedies for financial injuries identified during an independent foreclosure 

review and (2) extension of the deadline for borrowers to request a free foreclosure 

review to September 30, 2012.

- Announced, June 21, 2012

Mortgage Servicing for Military Personnel -- interagency guidance concerning 

mortgage-servicing practices that may pose risks to homeowners serving in the 

military.

- Announced, June 21, 2012

Presidential $1 Coin Program -- annual report to Congress on the Presidential 

$1 Coin Program.

- Approved, June 22, 2012

H.2 Board Actions June 17, 2012 to June 23, 2012

(A/C) = Addition or Correction Board - Page 1 of 2
Enforcement

Frontier National Corporation, Chelsea, Alabama -- written agreement with the 

Federal Reserve Bank of Atlanta.

- Announced, June 21, 2012

One Financial Corporation, Little Rock, Arkansas -- written agreement with the 

Federal Reserve Bank of St. Louis.

- Announced, June 21, 2012

H.2 Board Actions June 17, 2012 to June 23, 2012

(A/C) = Addition or Correction Board - Page 2 of 2
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 17, 2012 to June 23, 2012

MA Monetary Affairs

Bank Branches, Domestic

Adams Bank & Trust, Ogallala, Nebraska -- to establish a branch at 10 Ken Pratt 

Boulevard, Longmont, Colorado.

Secretary

- Approved, June 20, 2012

Bank of Utah, Ogden, Utah -- to establish a branch at 4605 Harrison Boulevard, 

Suite 100, Ogden.

San Francisco

- Approved, June 21, 2012

The Elberfeld State Bank, Elberfeld, Indiana -- to establish a branch at 3403 North 

Green River Road, Evansville.

St. Louis

- Approved, June 21, 2012

Southern Bank, Poplar Bluff, Missouri -- to establish a branch at 1925 South Main 

Street, Jonesboro, Arkansas.

St. Louis

- Approved, June 21, 2012

Bank Holding Companies

Carlile Bancshares, Inc., Fort Worth, Texas -- to acquire Northstar Financial 

Corporation, Denton, and its subsidiary bank, Northstar Bank of Texas.

Dallas

- Approved, June 15, 2012

(A/C)

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

Cooper Investments, Inc., Farmington, Missouri -- to become a bank holding 

company through the retention of shares of First State Bancshares, Inc., Farmington, 

and thereby indirectly control First State Community Bank.

St. Louis

- Approved, June 20, 2012

Exchange Bankshares Corporation of Kansas, Atchison, Kansas, and Exchange 

National Bank & Trust Co. -- waiver of application to acquire Rushville State Bank, 

Rushville, Missouri, in connection with its merger with and into Exchange National 

Bank & Trust, Atchison, Kansas.

Kansas City

- Granted, June 22, 2012

Valliance Financial Corp., Oklahoma City, Oklahoma -- to acquire Valliance Texas 

Financial Holdings, Inc., McKinney, Texas, and its subsidiary bank, Valliance Bank.

Kansas City

- Approved, June 20, 2012

Bank Mergers

Evolve Bank & Trust, West Memphis, Arkansas -- to purchase certain assets and 

assume certain liabilities of the Oakland, Tennessee, branch of The Farmers Bank of 

Lynchburg, Lynchburg, and to retain the acquired facility as a branch.

St. Louis

- Withdrawn, June 18, 2012

Susquehanna Bank, Lititz, Pennsylvania -- to assume certain liabilities of Community 

First Bank, Pikesville, Maryland.

Philadelphia

- Approved, June 18, 2012

H.2 Actions under delegated authority June 17, 2012 to June 23, 2012

(A/C) = Addition or Correction Delegated - 2 of 4
Change in Bank Control

Central Federal Corporation, Fairlawn, Ohio -- change in bank control of Central 

Federal and its subsidiary savings bank, CF Bank, Fairlawn.

Cleveland

- Permitted, June 20, 2012

First National Corporation, Strasburg, Virginia -- change in bank control of First 

National and its subsidiary bank, First Bank, Strasburg (two notices).

Richmond

- Permitted, June 20, 2012

First State Bancshares, Inc., Farmington, Missouri -- change in bank control of First 

State and its subsidiary bank, First State Community Bank, Farmington.

St. Louis

- Permitted, June 20, 2012

Extensions of Time

C-B-G, Inc., West Liberty, Iowa -- extension to September 21, 2012, to acquire 

shares of Washington Bancorp, Washington, and its subsidiary bank, Federation 

Bank.

Chicago

- Granted, June 19, 2012

H.2 Actions under delegated authority June 17, 2012 to June 23, 2012

(A/C) = Addition or Correction Delegated - 3 of 4
International Operations

Silicon Valley Bank, Santa Clara, California -- to establish SVB International 

Finance, Inc. (SVBIF), Santa Clara, as an Edge corporation and, through SVBIF, 

to invest in SVBIF Management, Ebene, Mauritius, and its subsidiary, SVB India 

Finance Private Limited, Mumbai, India.

Secretary

- Approved, June 19, 2012

Membership

The Frost National Bank, San Antonio, Texas -- to retain its membership in the 

Federal Reserve System on its conversion to a state-chartered bank.

Dallas

- Approved, June 18, 2012

Morganton Savings Bank, S.S.B., Morganton, North Carolina -- to become a member 

of the Federal Reserve System on conversion from a savings bank (the former 

Morganton Federal Savings and Loan Association) to a state-chartered bank.

Richmond

- Withdrawn, June 18, 2012

Security National Bank, Laurel, Nebraska -- to retain its membership in the Federal 

Reserve System on conversion to a state-chartered bank to be known as Security 

Bank.

Kansas City

- Approved, June 20, 2012

H.2 Actions under delegated authority June 17, 2012 to June 23, 2012

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

Federal Reserve Bank of Boston

Filings received during the week ending June 23, 2012

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 1

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending June 23, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Trust Company, Buffalo, 06/28/2012

New York, request to establish a branch office 

located at 9408 Grant Avene, Manassas(an 

independent City), Virginia.

MANUFACTURERS AND 

TRADERS TRUST COMPANY

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Nanyang Commercial Bank Limited, Hong Kong, 

to upgrade its limited branch located in San 

Francisco, California, to a full service branch, 

pursuant to Section 211.24 of Regulation K.

NANYANG COMMERCIAL 

BANK, LIMITED

* 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

 275509 COMMUNITY BK OF BERGEN CTY, MAYWOOD, NEW JERSEY 01/09/2012 06/07/2012 S Int Sm Bank

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 23, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

Not applicable

Bryn Mawr Trust Company, Bryn Mawr, PA, to 07/14/2012

purchase the assets and assume the liabilities of 

First Bank of Delaware, Wilmington, DE.

BRYN MAWR TRUST 

COMPANY, THE

Newspaper:

Federal Register:

* SLHC 

Formation

* MHC 

Conversion

07/03/2012

07/05/2012

Malvern Federal Mutual Holding Company, 

Paoli, PA, proposes to convert to stock form 

and merge with Malvern Bancorp, Inc., Paoli, 

PA, which proposes to become a savings and 

loan holding company by acquiring 100 percent 

of Malvern Federal Savings Bank, Paoli, PA.

MALVERN BANCORP, INC

Newspaper:

Federal Register:

* MHC Not available

Conversion

* SLHC 

Formation

07/09/2012

Northfield Bancorp, MHC, Staten Island, NY, 

proposes to convert to stock form and merge 

with and into Northfield Bancorp, Inc, 

Woodbridge, New Jersey, which proposes to 

become a savings and loan holding company by 

acquiring Northfield Bank, Staten Island, NY.

NORTHFIELD BANCORP, INC

Newspaper:

Federal Register:

CIC Not available

09/21/2011

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

Financial Partners, L.P., Patriot Financial 

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

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

Patriot Financial Manager, LLC. and Messrs. Ira 

M. Lubert, W. Kirk Wycoff and James J. Lynch, 

all of Philadelphia, Pennsylvania, to purchase 

up to 24.9 percent of Porter Bancorp, Inc., 

Louisville, KY.

PATRIOT FINANCIAL 

PARTNERS LP

Newspaper:

Federal Register:

* MHC Not available

Conversion

* SLHC 

Formation

07/09/2012

Polonia MHC, Huntingdon Valley, PA, 

proposes to convert to stock form and merge 

with and into Polonia Bancorp, Huntingdon 

Valley, PA, which will subsequently merge with 

and into Polonia Bancorp, Inc., Huntingdon, 

Valley, PA, which proposes to become a 

savings and loan holding company by acquiring 

100 percent of Polonia Bank, Huntingdon 

Valley, PA.

POLONIA BANCORP INC

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 4

Federal Reserve Bank of Cleveland

Filings received during the week ending June 23, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 07/15/2012

07/16/2012

CenterGroup Financial, Inc., Milford, OH to 

become a bank holding company by acquiring 

100% of the voting shares of the CenterBank, 

Milford, OH, pursuant to section 3(a)(1)of the 

Bank Holding Company Act

CENTERGROUP FINANCIAL, 

INC.

Newspaper:

Federal Register:

* SLHC Not available

Acquisition

MHC Minority 

Stock Issuance

07/16/2012

Application by First Federal MHC, Hazard, KY; 

Kentucky First Federal Bancorp, Hazard, KY; 

and Frankfort First Bancorp, Inc., Frankfort, KY 

to acquire CKF Bancorp, Inc., Danville, KY and 

its wholly-owned subsidiary, Central Kentucky 

Federal Savings Bank, Danville, KY and 

Application by Kentucky First Federal Bancorp, 

Hazard, KY for approval of a minority stock 

issuance by a savings association subsidiary of 

a mutual holding company.

KENTUCKY FIRST FEDERAL 

BANCORP

Newspaper:

Federal Register:

* 3A3 06/30/2012

07/05/2012

Application by S&T Bancorp, Inc., Indiana, PA 

to acquire Gateway Bank of Pennsylvania, 

McMurray, PA pursuant to Section 3 of the 

Bank Holding Company Act

S & T BANCORP, INC.

* 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

 368522 APOLLO TC, APOLLO, PENNSYLVANIA 02/21/2012 05/31/2012 S Small Bank

 2730477 WESTERN RESERVE BK, MEDINA, OHIO 03/19/2012 06/08/2012 S Small Bank

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 23, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* SLHC 

Formation

07/16/2012

07/19/2012

Hamilton Bancorp, Inc., Baltimore, Maryland, to 

become a savings and loan holding company 

upon the conversion of Hamilton Bank, 

Baltimore, Maryland, from a mutual to stock 

form of ownership.

HAMILTON BANCORP, INC.

Newspaper:

Federal Register:

* SLHC Merger Not available

* SLHC 

Formation

Not available

Financial Services Partners Fund I LLC, Hovde 

Acquisition I LLC, and Hovde Private Equity 

Advisors LLC, all of Washington, DC 

(collectively the "Hovde Group"), to acquire 

control of a savings and loan holding company, 

Carrolton Bancorp, Columbia, Maryland, upon 

Carrolton Bancorp's conversion to a savings 

and loan holding company through a merger 

with Jefferson Bancorp, Inc., Washington, DC, a 

subsidiary of the Hovde Group, pursuant to 

Section 10 of the Home Owners Loan Act.

HOVDE PRIVATE EQUITY 

ADVISORS LLC

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending June 23, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

IBERIABANK, Lafayette, Louisiana, to 06/30/2012

establish a branch located at 6235 South 

Claiborne Avenue, New Orleans, Louisiana, to 

be known as the Claiborne Branch.

IBERIABANK

Newspaper:

Federal Register:

* Branch

Not applicable

IBERIABANK, Lafayette, Louisiana, to 06/30/2012

establish a branch located at 822 South Range 

Avenue, Denham Springs, Louisiana, to be 

known as the South Range Branch.

IBERIABANK

Newspaper:

Federal Register:

* Branch

Not applicable

IBERIABANK, Lafayette, Louisiana, to 06/30/2012

establish a branch located at 12920 Airline 

Highway, Baton Rouge, Louisiana, to be known 

as the Airline-Pecou Branch.

IBERIABANK

Newspaper:

Federal Register:

CIC Not available

07/06/2012

Prior change in control notice filed by Moishe 

Gubin, Hillside, Illinois, and Mark Orenstein, 

Chicago, Illinois, to collectively acquire 

approximately 20.08 percent of the outstanding 

shares of voting securities of OptimumBank 

Holdings, Inc., Ft. Lauderdale, Florida, and its 

subsidiary, OptimumBank, Plantation, Florida. 

Total pro forma ownership will equal 26.18 

percent.

OPTIMUMBANK 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 June 23, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Sidney Jone-Chu Lee, Chicago, Illinois, 

proposes to acquire over 50 percent of the 

voting shares of American Metro Bancorp, Inc., 

Chicago, Illinois, and thereby indirectly acquire 

control of American Metro Bank, Chicago, 

Illinois.

AMERICAN METRO BANCORP, 

INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Chemical Bank, Midland, Michigan, to purchase 

the assets and assume the liabilities of 21 

branches of Independent Bank, Ionia, Michigan, 

and thereby establish 21 branches.

CHEMICAL BANK

Newspaper:

Federal Register:

* 18C Not available

Not applicable

First Community Bank, Harbor Springs, 

Michigan, to merge with Select Bank, Grand 

Rapids, Michigan.

FIRST COMMUNITY BANK

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Heartland Bancorp, Inc., Bloomington, Illinois,

to acquire Farmer City State Bank, Farmer City,

Illinois.

HEARTLAND BANCORP, INC.

Newspaper:

Federal Register:

* MHC Not available

Conversion

* SLHC 

Formation

07/20/2012

LaPorte Savings Bank, MHC, La Porte, Indiana, 

a mutual holding company, proposes to convert 

to stock form and merge with LaPorte Bancorp, 

Inc., an existing savings and loan holding 

company. The existing LaPorte Bancorp, Inc., 

will merge with a new company, also called 

LaPorte Bancorp, Inc., which will become a 

savings and loan holding company through the 

acquisition of 100 percent of the outstanding 

stock of The LaPorte Savings Bank, all of La 

Porte, Indiana.

LAPORTE SAVINGS BANK, MHC

* 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

 2938198 NORTHBROOK B&TC, NORTHBROOK, ILLINOIS 02/22/2011 06/11/2012 S 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 23, 2012

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

 525446 FARMERS BK, HARDINSBURG, KENTUCKY 03/05/2012 06/07/2012 O Small Bank

 314444 FORDYCE B&TC, FORDYCE, ARKANSAS 03/05/2012 06/08/2012 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 23, 2012

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

 705958 KANABEC ST BK, MORA, MINNESOTA 10/03/2011 05/25/2012 S Small Bank

 655651 MONTANA ST BK, PLENTYWOOD, MONTANA 02/13/2012 05/30/2012 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 June 23, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Premises Not applicable

The First National Bank of Buffalo (to be known 

as First Northern Bank of Wyoming), Buffalo, 

Wyoming, to retain its membership in the 

Federal Reserve System following its 

conversion from a national to a state charter. 

The First National Bank of Buffalo (to be known 

as First Northern Bank of Wyoming) Buffalo, 

Wyoming, to increase its investment in bank 

premises in the amount of $4,868,751.

FIRST NATIONAL BANK OF 

BUFFALO, THE

Newspaper:

Federal Register:

* Branch

Not applicable

Gardner Bank, Gardner, Kansas, to establish a 07/12/2012

branch at 18855 S. Gardner Driver, Gardner, 

Kansas.

GARDNER BANK

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Jonah Bank of Wyoming, Casper, Wyoming, to 

become a member of the Federal Reserve 

System.

JONAH BANK OF WYOMING

Newspaper:

Federal Register:

* MHC Not available

Conversion

* SLHC 

Formation

07/16/2012

Madison County Holding Company, MHC, 

proposes to convert to stock form and merge 

with Madison County Financial Corporation, 

which proposes to become a savings and loan 

holding company by acquiring 100 percent of 

Madison County Bank, all of Madison, 

Nebraska.

MADISON COUNTY HOLDING, 

MHC

Newspaper:

Federal Register:

* Branch

Not applicable

Platte Valley Bank, to establish a branch at 1212 07/06/2012

Circle Drive, both in Scottsbluff, Nebraska.

PLATTE VALLEY BANK

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Wyoming Bank & Trust, Cheyenne, Wyoming, 

to become a member of the Federal Reserve 

System. Wyoming Bank & Trust, Cheyenne, 

Wyoming, to increase its investment in bank 

premises in the amount of $535,000.

WYOMING BANK & TRUST

* 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

 175056 BANK OF WESTERN OK, ELK CITY, OKLAHOMA 03/12/2012 06/01/2012 S Small Bank

 285151 COLORADO B&TC OF LA JUNTA, LA JUNTA, COLORADO 02/27/2012 06/01/2012 S Small Bank

 601050 COMMERCE BK NA, KANSAS CITY, MISSOURI 01/09/2012 05/16/2012 O Large Bank

 747257 HALSTEAD BK, HALSTEAD, KANSAS 02/27/2012 05/28/2012 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 23, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

American State Bank, Arp, Texas, to establish a 07/04/2012

branch at 1116 Troup Highway, Tyler, Texas 

75701.

AMERICAN STATE BANK

Newspaper:

Federal Register:

* 3A3 Not available

4c8 Not available

Carlile Bancshares, Inc., Fort Worth, Texas, to 

acquire 100% of the common stock of 

Washington Investment Company, Yuma, 

Colorado, and therefore indirectly Colorado 

Community Bank, Yuma, Colorado, pursuant to 

Section 3 of the Bank Holding Company Act, 

and Colorado Front Range Holdings, Inc.., 

Yuma, Colorado, pursuant to Section 4 of the 

Bank Holding Company Act and Section 225.23 

of Regulation Y.

CARLILE BANCSHARES, INC.

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

Federal Reserve Bank of Dallas

Filings received during the week ending June 23, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8

* 4c8

4c8

07/09/2012

Diamond A Financial, L.P., Hilltop Holdings, 

Inc., and Meadow Corporation, all of Dallas, 

Texas, to become bank holding companies by 

acquiring 100 percent of PlainsCapital 

Corporation and its subsidiary bank, 

PlainsCapital Bank, both of Dallas, Texas, 

pursuant to section 3 of the Bank Holding 

Company Act.;

Diamond A Financial, L.P., Hilltop Holdings, 

Inc., and Meadow Corporation, all of Dallas, 

Texas, to engage in mortgage lending activities 

pursuant to section 4(c)(8) of the Bank Holding 

Company Act through PrimeLending, A 

PlainsCapital Company, and its direct and 

indirect subsidiaries, PirmeLending Ventures 

Management, LLC, and PrimeLending Ventures, 

LLC, all of Dallas, Texas;

Diamond A Financial, L.P., and Hilltop 

Holdings, Inc., both of Dallas, Texas, to retain a 

noncontrolling interest in SWS Group, Inc., and 

its subsidiary savings association, Southwest 

Securities, FSB, both of Dallas, Texas, and 

thereby engage in the operation of a savings 

association pursuant to Section 4(c)(8) of the 

BHC Act; and

Diamond A Financial, L.P., and Hilltop 

Holdings, Inc., both of Dallas, Texas, through a 

retention of a noncontrolling interest in SWS 

Group, Inc., and indirect controlling interests in 

the subsidiaries of Southwest Securities, FSB, 

pursuant to sections 4(c)(8) of the BHC Act and 

Regulation Y, and thereby engage indirectly in 

certain nonbanking activities of those 

subsidiaries pursuant to section 4(c)(8) of the 

BHC Act, to consist of extending credit and 

servicing loans; activities related to extending 

credit; financial and investment advisory 

activities; agency transactional services for 

customers, including providing securities 

brokerage services, acting as riskless-principal 

and providing private-placement services and 

other transactional services as agent for 

customers; underwriting and dealing in 

government obligations and money market 

investments; community development 

activities; and issuing and selling money orders, 

savings bonds, traveler's checks and similar 

consumer payment instruments.

DIAMOND A FINANCIAL, LP

Newspaper:

Federal Register:

* 3A3 Not available

07/16/2012

FVNB Corp., MOW/RPW II, Ltd., and 

MOW/RPW Holdings II, LLC, all of Victoria, 

Texas, to acquire 100 percent of First State 

Bank, New Braunfels, Texas.

FVNB CORP.

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

Federal Reserve Bank of Dallas

Filings received during the week ending June 23, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Odessa SouthWest Bancshares, Inc., Odessa, 

Texas, to become a bank holding company by 

acquiring 100 percent of SouthWest Bank, 

Odessa, Texas.

ODESSA SOUTHWEST 

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

 973364 HCSB ST BKG ASSN, PLAINVIEW, TEXAS 08/10/2009 07/02/2012 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 23, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

06/21/2012

Interagency Notice of Change in Control by 

Neighborhood Bancorp Employee Stock 

Ownership Plan Trust Agreement, National City, 

California; Robert M. McGill, Sally M. Furay and 

Conny M. Jamison, all of San Diego, California, 

to retain 10 percent or more of Neighborhood 

Bancorp, National City, California, and thereby 

indirectly, Neighborhood National Bank, San 

Diego, California.

NEIGHBORHOOD BANCORP

Newspaper:

Federal Register:

* MHC Not available

Conversion

* SLHC 

Formation

05/05/2012

Sound Financial Bancorp,Inc., Seattle, 

Washington; to become a savings and loan 

holding company upon the second-step 

conversion of Sound Community MHC, and 

Sound Financial, Inc., both in Seattle, 

Washington. Sound Financial Bancorp, Inc. will 

control Sound Community Bank, Seattle, 

Washington.

SOUND COMMUNITY MHC

* 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