Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 8 

Week Ending February 23, 2013

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

Central Pacific Financial Corporation, Honolulu, Hawaii -- written agreement dated 

July 2, 2010, terminated February 12, 2013.

- Announced, February 19, 2013

H.2 Board Actions February 17, 2013 to February 23, 2013

(A/C) = Addition or Correction Board - Page 1 of 1
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

February 17, 2013 to February 23, 2013

MA Monetary Affairs

Bank Branches, Domestic

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 1702 Airport Road, 

Hot Springs.

St. Louis

- Approved, February 21, 2013

First State Bank of Colorado, Hotchkiss, Colorado -- to establish a branch at 

564 Main Street, Delta.

Kansas City

- Approved, February 22, 2013

John Marshall Bank, Reston, Virginia -- to establish a branch at 700 South 

Washington Street, Alexandria.

Richmond

- Approved, February 19, 2013

Bank Holding Companies

Cabool State Bank Employee Stock Ownership Plan, Cabool, Missouri -- to acquire 

additional shares of Cabool Bancshares, Inc., Cabool, and its subsidiary, Cabool State 

Bank.

St. Louis

- Approved, February 22, 2013

FNBNY Bancorp, Inc., New York, New York, and Modern Capital Holdings LLC -- 

to acquire shares in The Upstate National Bank, Rochester.

New York

- Withdrawn, February 12, 2013

(A/C)

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

M&P Community Bancshares, Inc. 401(k) Employee Stock Ownership Plan, 

Newport, Arkansas -- to acquire additional shares of M&P Community Bancshares, 

Inc., Newport.

St. Louis

- Approved, February 22, 2013

Banks, Nonmember, and Miscellaneous Institutions

Cerberus Capital Management, L.P., New York, New York -- modification of certain 

commitments.

Director, BS&R

- Granted, February 22, 2013

Banks, State Member

Goldman Sachs Bank USA, New York, New York -- to make a public welfare 

investment.

Director, BS&R

- Approved, February 20, 2013

Change in Bank Control

Plato Holdings, Inc., Saint Paul, Minnesota -- change in bank control of Plato 

Holdings and its subsidiary, Drake Bank, Saint Paul.

Minneapolis

- Permitted, February 21, 2013

Reliance Bancshares, Inc., Des Peres, Missouri -- change in bank control of Reliance 

Bancshares and its subsidiary, Reliance Bank, Saint Louis.

St. Louis

- Permitted, February 19, 2013

H.2 Actions under delegated authority February 17, 2013 to February 23, 2013

(A/C) = Addition or Correction Delegated - 2 of 4
Extensions of Time

Bank of America Corporation, Charlotte, North Carolina -- extension of time to 

divest certain merchant banking investments.

Director, BS&R

- Granted, February 14, 2013

(A/C)

SKBHC Holdings LLC, Seattle, Washington, and AmericanWest Bank, Spokane -- 

extension to May 13, 2013, to acquire PremierWest Bancorp, Medford, Oregon, and 

its subsidiary, PremierWest Bank.

San Francisco

- Granted, February 18, 2013

Financial Holding Companies 

BBCN Bancorp, Inc., Los Angeles, California -- election to become a financial 

holding company.

San Francisco

- Effective, February 19, 2013

International Operations

Banco Popular de Puerto Rico, San Juan, Puerto Rico -- to establish an agreement 

corporation.

New York

- Withdrawn, February 22, 2013

H.2 Actions under delegated authority February 17, 2013 to February 23, 2013

(A/C) = Addition or Correction Delegated - 3 of 4
Regulations and Policies

Regulation YY (Enhanced Prudential Standards) -- extension of the comment period 

to April 30, 2013, on the proposed rule to implement the enhanced prudential 

standards and early remediation requirements in the Dodd-Frank Act for foreign 

banking organizations and foreign nonbank financial companies supervised by the 

Board.

Secretary

- Approved, February 22, 2013

Savings and Loan Holding Companies

American International Group, Inc., New York, New York -- temporary exemptions 

from certain regulatory reporting requirements.

Director, BS&R

- Granted, February 22, 2013

H.2 Actions under delegated authority February 17, 2013 to February 23, 2013

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

Federal Reserve Bank of Boston

Filings received during the week ending February 23, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 02/25/2013

Application by Wakefield Bancorp, MHC, 

Wakefield, Massachusetts, a mutual bank 

holding company, to form a wholly-owned, 

mid-tier, stock bank holding company, 

Wakefield Bancorp, Inc., Wakefield, 

Massachusetts, through its acquisition of 100% 

of the shares of The Savings Bank, Wakefield, 

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

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

of 1956, as amended.

WAKEFIELD BANCORP MHC

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Second Quarter of 2013 (April 1, 2013 - June 30, 2013)

Institution Location

BANK RHODE ISLAND PROVIDENCE, RHODE ISLAND

FIRST NB OF IPSWICH IPSWICH, MASSACHUSETTS

NORTHEAST BK LEWISTON, MAINE

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

Federal Reserve Bank of New York

Filings received during the week ending February 23, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

03/01/2013

Investors Bancorp, MHC and Investors 

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

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

the BHC Act and Section 225.24 of Regulation 

Y, to acquire Roma Financial Corporation MHC, 

Roma Financial Corporation, both of 

Robbinsville, New Jersey, and their 

wholly-owned subsidiaries, Roma Bank, 

Robbinsville, New Jersey and RomAsia Bank, 

South Brunswick Township, New Jersey.

INVESTORS BANCORP, INC.

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Second Quarter of 2013 (April 1, 2013 - June 30, 2013)

Institution Location

ADIRONDACK TC SARATOGA SPRINGS, NEW YORK

AMBOY BK OLD BRIDGE, NEW JERSEY

BANCO POPULAR N AMER NEW YORK, NEW YORK

ELMIRA SVG BK FSB ELMIRA, NEW YORK

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending February 23, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/05/2013

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

acquire up to 15.0% of Cornerstone Financial 

Corporation, Mt. Laurel, NJ.

CORNERSTONE FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

03/05/2013

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

acquire up to 24.9% of Cornerstone Financial 

Corporation, Mt. Laurel, NJ.

CORNERSTONE FINANCIAL 

CORPORATION

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 2580243 AMERICAN BK, ALLENTOWN, PENNSYLVANIA 10/15/2012 02/07/2013 S Large Bank

CRA Examinations scheduled for Second Quarter of 2013 (April 1, 2013 - June 30, 2013)

Institution Location

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

Federal Reserve Bank of Cleveland

Filings received during the week ending February 23, 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 Second Quarter of 2013 (April 1, 2013 - June 30, 2013)

Institution Location

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

Federal Reserve Bank of Richmond

Filings received during the week ending February 23, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banque Centrale Populaire, Casablanca, 

Morocco, to establish a representative office in 

Washington, D.C.

BANQUE CENTRALE 

POPULAIRE

Newspaper:

Federal Register:

CIC Not available

03/14/2013

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

individually control 12.31% of Surrey Bancorp, 

Mount Airy, North Carolina, and together with 

the Hylton Wright Living Trust Agreement and 

ARMAT Foundation, as a group acting in 

concert, to control 12.31% of Surrey Bancorp.

SURREY BANCORP

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 94522 BENCHMARK CMNTY BK, KENBRIDGE, VIRGINIA 10/30/2012 02/03/2013 S Int Sm Bank

 693224 UNION FIRST MKT BK, RICHMOND, VIRGINIA 09/17/2012 02/04/2013 S Large Bank

CRA Examinations scheduled for Second Quarter of 2013 (April 1, 2013 - June 30, 2013)

Institution Location

BANK OF STANLY ALBEMARLE, NORTH CAROLINA

BANK OF VA MIDLOTHIAN, VIRGINIA

BCBANK PHILIPPI, WEST VIRGINIA

CABARRUS B&TC CONCORD, NORTH CAROLINA

CHESAPEAKE BK KILMARNOCK, VIRGINIA

CITIZENS CMNTY BK SOUTH HILL, VIRGINIA

FARMERS & MRCH BK OF CRAIG CTY NEW CASTLE, VIRGINIA

FARMERS BK WINDSOR VA WINDSOR, VIRGINIA

FOUR OAKS B&TC FOUR OAKS, NORTH CAROLINA

FRONTIER CMNTY BK WAYNESBORO, VIRGINIA

UNITED BK PARKERSBURG, WEST VIRGINIA

UNITED BK FAIRFAX, VIRGINIA

VALLEY BK ROANOKE, VIRGINIA

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

Federal Reserve Bank of Atlanta

Filings received during the week ending February 23, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/05/2013

After-the-fact notification filed by George and 

Calliope Apostolou, Panagiotis Apostolou, 

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

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

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

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

and Sherry B. Forbes, Mohamed and Amira 

Helal, Nadine Helal, Tarek Helal, K&M 

Insurance Investors, LLC, Trifon Houvardas, 

Paul Houvardas, Bruce T. and Sheba Lucas, 

Universal Finance & Investments LLC, Sanjay 

Madhu, Alex Madhu, Andrew Madhu, Felix & 

Fiona, LLC, Ahmad Nematbakhsh, Harish and 

Khyati Patel, Pareshbhai and Neha Patel, 

Gregory Politis, Christos and Effie Politis, Peter 

Politis, Anthony and Maria Z. Saravanos, Shane 

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

Vattamattam, Shaju and Miriam Vattamattam and 

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

retain 49.32 percent of the outstanding shares of 

First Home Bancorp, Inc., and its subsidiary, 

First Home Bank, both of Seminole, Florida.

FIRST HOME BANCORP, INC.

* 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 Second Quarter of 2013 (April 1, 2013 - June 30, 2013)

Institution Location

COMMUNITY BK OF E TN CLINTON, TENNESSEE

IBERIABANK LAFAYETTE, LOUISIANA

USAMERIBANK LARGO, FLORIDA

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

Federal Reserve Bank of Chicago

Filings received during the week ending February 23, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Sabina Bosshard, Homer, Minnesota, 

individually, and as co trustee of the Sabina 

Bosshard Irrevocable Trust ("Trust"), and 

Sabina Bosshard, together as a group acting in 

concert with Trust, the Lindsey Bosshard Trust, 

Jeff Gray, LaCrosse, Wisconsin, as co trustee of 

Trust and trustee of the Lindsey Bosshard 

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

independent trustee of Trust, Kurt Bosshard, 

Kapaa, Hawaii, John Bosshard III, McCarthy, 

Alaska, William Bosshard and Andrew 

Bosshard, both of La Crosse, Wisconsin, 

Carlista Bosshard, Madison, Wisconsin, Joseph 

Bosshard and Makenzie Bosshard, both of 

Boulder, Colorado, Nathan Bosshard-Blakely, 

Berkeley, California, Elizabeth Bosshard-Blakely, 

South Pasadena, California, Alexandra 

Bosshard, Sandy, Utah, and John Bosshard, 

Superior, Colorado, to retain control of 25 

percent or more of the outstanding voting 

shares of Bosshard Financial Group, Inc., La 

Crosse, Wisconsin, and thereby to indirectly 

retain control of Grand Marsh State Bank, Grand 

Marsh, Wisconsin, and Farmers State Bank of 

Hillsboro, Hillsboro, Wisconsin.

BOSSHARD FINANCIAL GROUP, 

INC.

Newspaper:

Federal Register:

CIC Not available

01/31/2013

Stanley Dickson, Jr., Gross Pointe Park, 

Michigan, as an individual, and the group 

consisting of Stanley Dickson, Jr., Gross Pointe 

Park, Michigan, Steven Dickson, Rancho Santa 

Fe, California, Kathryn J. Dickson, Howell, 

Michigan and Riddle Limited Partnership, 

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

acquire control of FNBH Bancorp, Inc., Howell, 

Michigan ("FNBH"), and thereby indirectly 

control First National Bank in Howell, Howell, 

Michigan.

FNBH BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

02/07/2013

Palen Trust for Descendents and Edward Palen, 

as trustee of the Palen Trust for Descendents, 

both of Forrest, Illinois, individually, and 

together as a group acting in concert with the 

Palen Marital Trust, Forrest, Illinois, Edward 

Palen, Lorraine Palen, and Joseph Palen, all of 

Forrest, Illinois, individually and as co-trustees 

of the Palen Marital Trust, Elizabeth Dray and 

Judith Somers, both of Forrest, Illinois, Marie 

King, Piper City, Illinois, and Leona Pacheco, 

Springfield, Illinois, to retain control of 25 

percent or more of the voting shares of Forrest 

Bancshares, Inc., Forrest, Illinois, and thereby 

to indirectly retain control of First State Bank of 

Forrest, Forrest, Illinois.

FORREST BANCSHARES, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending February 23, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

LAF GW Investments, LLC (LAF GW), an 

Arkansas limited liability company, individually, 

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

Arkansas, as the sole manager, and LAF GW 

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

group acting in concert with JSJ Properties, 

LLC, a Missouri limited liability company, with 

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

Joe Courtright, both of Little Rock, Arkansas, as 

managers, LAF Brothers Properties, LLC, an 

Arkansas limited liability company, with 

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

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

Investments Trust, with Stephen L. LaFrance, Jr. 

and Jason P. LaFrance as trustees, Jason P. 

LaFrance, and the Amy LaFrance Bancroft GW 

Investments Trust, with Stephen L. LaFrance, 

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

10 percent or more of the outstanding voting 

shares of Greenwoods Financial Group, Inc., 

and thereby indirectly acquire control of The 

Greenwood's State Bank, both of Lake Mills, 

Wisconsin.

GREENWOODS FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Isabella Bank, Mt Pleasant, Michigan, to 

establish a branch facility to be located at 711 

Maple Street, Big Rapids, Michigan.

ISABELLA BANK

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Second Quarter of 2013 (April 1, 2013 - June 30, 2013)

Institution Location

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

Federal Reserve Bank of St. Louis

Filings received during the week ending February 23, 2013

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

 904359 CENTURY BK OF THE OZARKS, GAINESVILLE, MISSOURI 11/05/2012 02/14/2013 S Small Bank

CRA Examinations scheduled for Second Quarter of 2013 (April 1, 2013 - June 30, 2013)

Institution Location

ARVEST BK FAYETTEVILLE, ARKANSAS

BANK OF CAVE CITY CAVE CITY, ARKANSAS

CAPITAL BK LITTLE ROCK, ARKANSAS

CASEY COUNTY BK LIBERTY, KENTUCKY

CITY B&TC OF MOBERLY MOBERLY, MISSOURI

COMMUNITY BK LEXINGTON, TENNESSEE

FARMERS & MERCHANTS BK STUTTGART, ARKANSAS

FINANCIAL FSB MEMPHIS, TENNESSEE

LINDELL B&TC SAINT LOUIS, MISSOURI

MID AMERICA B&TC DIXON, MISSOURI

PEOPLES BK MARION, KENTUCKY

PIGGOTT ST BK PIGGOTT, ARKANSAS

SOUTHERN CMRL BK SAINT LOUIS, MISSOURI

TOWN & COUNTRY BK SALEM, MISSOURI

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending February 23, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/05/2013

Change in Control notice by Richard Lee 

Newman, Mayville, North Dakota, to acquire 25 

percent or more of the shares of Full Service 

Insurance Agency Inc., Buxton, North Dakota, 

and thereby indirectly gain control of First State 

Bank, Buxton, North Dakota.

FULL SERVICE INSURANCE 

AGENCY, INC.

* 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 Second Quarter of 2013 (April 1, 2013 - June 30, 2013)

Institution Location

FARMERS ST BK OF MADELIA MADELIA, MINNESOTA

FIRST INTRST BK BILLINGS, MONTANA

FIRST ST BK OF WARNER WARNER, SOUTH DAKOTA

FIRST WESTERN B&TC MINOT, NORTH DAKOTA

STATE BK FNCL LA CROSSE, WISCONSIN

SUMMIT CMNTY BK MAPLEWOOD, MINNESOTA

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

Federal Reserve Bank of Kansas City

Filings received during the week ending February 23, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

03/25/2013

BancFirst Corporation, Oklahoma City, 

Oklahoma, to bid to acquire 31,500 shares of 

perpetual preferred stock, representing 46 

percent of the equity interest of Spirit Bankcorp, 

Inc, Bristow, Oklahoma, issued under the 

Troubled Asset Relief Program of the U.S. 

Treasury in an upcoming, but not yet scheduled 

auction sponsored by the U.S. Treasury.

BANCFIRST CORPORATION

Newspaper:

Federal Register:

CIC Not available

02/28/2013

Notification by Darryn W. Biggerstaff, Canon 

City, Colorado, to retain control of Canon Bank 

Corporation, parent of Canon National Bank, 

both of Canon City, Colorado.

CANON BANK CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Commerce Bank, Kansas City, Missouri, to 03/02/2013

establish a branch at 3710 South Lenoir Street, 

Columbia, Missouri.

COMMERCE BANK

Newspaper:

Federal Register:

* 3A5 03/17/2013

03/15/2013

The Grace Investment Company, Inc., ESOP and 

Grace Investment Company, Inc., both in Alva, 

Oklahoma, to acquire 100 percent of the voting 

shares of First Kiowa Bancshares, Inc., parent 

of The First State Bank, Kiowa, Kansas. First 

Kiowa Bancshares, Inc., will merge with and into 

Grace Investment Company, Inc.

GRACE INVESTMENT 

COMPANY, INC. ESOP, 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

 311050 AMERICAN HERITAGE BK, SAPULPA, OKLAHOMA 11/05/2012 02/12/2013 S Int Sm Bank

 42055 ANADARKO B&TC, ANADARKO, OKLAHOMA 11/13/2012 02/06/2013 S Small Bank

CRA Examinations scheduled for Second Quarter of 2013 (April 1, 2013 - June 30, 2013)

Institution Location

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

Federal Reserve Bank of Dallas

Filings received during the week ending February 23, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

03/18/2013

R Corp Financial, Round Rock, Texas, to 

become a bank holding company by acquiring 

100 percent of R Bank, Round Rock, Texas.

R CORP FINANCIAL

Newspaper:

Federal Register:

* 3A1 03/15/2013

03/15/2013

Third Coast Bancshares, Inc., Humble, Texas, to 

become a bank holding company by acquiring 

100 percent of Third Coast Bank, SSB, Humble, 

Texas.

THIRD COAST 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

 3129902 INDEPENDENT BK OF TX, IRVING, TEXAS 11/05/2012 03/20/2013 S Small Bank

 723653 WESTERN BK, LORDSBURG, NEW MEXICO 09/10/2012 03/11/2013 O Small Bank

CRA Examinations scheduled for Second Quarter of 2013 (April 1, 2013 - June 30, 2013)

Institution Location

CROWELL ST BK CROWELL, TEXAS

FIRST ST BK ABILENE, TEXAS

FROST NB SAN ANTONIO, TEXAS

PLAINSCAPITAL BK LUBBOCK, TEXAS

TEXAS STAR BK VAN ALSTYNE, TEXAS

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

Federal Reserve Bank of San Francisco

Filings received during the week ending February 23, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

4c8 03/08/2013

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management, LLC, Carpenter Community 

Bancfund, L.P., Carpenter Community 

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

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

acquire up to 38 percent of the voting stock of 

Pacific Mercantile Bancorp, and thereby 

indirectly acquire control of Pacific Mercantile 

Bank, both of Costa Mesa, California. Further, 

Pacific Mercantile Bancorp, Costa Mesa, 

California, Carpenter Fund Manager GP, LLC, 

Carpenter Fund Management, LLC, Carpenter 

Community Bancfund, L.P., Carpenter 

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

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

California, to form a wholly-owned subsidiary of 

Pacific Mercantile Bancorp, PM Asset 

Management, Inc., Costa Mesa California, and 

to engage in extending credit and servicing 

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

Regulation Y.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notice of Change in Control by the 

George Borba Family Trust, The Borba 

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

Individually and as Co-Trustee, Linda Borba 

Gourdikian, Individually and as Co-Trustee, to 

acquire up to 11.06 percent control in CVB 

Financial Corp, and thereby indirectly acquire 

control of Citizens Business Bank, both of 

Ontario, California.

CVB FINANCIAL CORP.

Newspaper:

Federal Register:

CIC Not available

10/30/2012

Notice by Thomas Galt Atwood, Glen Ellen, 

California, and Cypress Abbey Company, 

Colma, California, to retain 10 percent or more of 

the outstanding shares of capital stock of FNB 

Bancorp, and thereby indirectly retain 10 perent 

or more of the voting shares of First National 

Bank of Northern California, both of South San 

Francisco, California.

FNB BANCORP

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8 Not available

One PacificCoast Foundation and One 

PacificCoast Bancorp, Inc., both of Oakland, 

California, to become bank holding companies 

by acquiring 100 percent of Albina Community 

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

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

control of One PacificCoast Bank FSB, Oakland, 

California, and thereby engage in operating a 

nonbank thrift subsidiary, pursuant to section 

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

ONE PACIFICCOAST BANCORP, 

INC.

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

Federal Reserve Bank of San Francisco

Filings received during the week ending February 23, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/15/2013

Interagency Notice of Change in Control by the 

Thian Control Group, including Yee Phong 

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

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

Arcadia, California; Fui Ming (Catherine) Thian, 

Lawrence S K Law, and Jor Leong Law all of 

Calabasas, California; Yee Chin (Victor) Thian of 

Glendale, California; Jennifer Wei Lim Kheng of 

San Francisco, California; Jor Teck Law of 

Beijing, China; Min Yang Thian of Kuala 

Lumpur, Malaysia; Min Jie Thian of New York, 

New York; United Overseas Investment, Inc. 

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

California; and their related family members and 

interests, to retain 10 percent or more of the 

voting stock of RBB Bancorp, and thereby 

indirectly retain 10 percent or more of the voting 

stock of Royal Business Bank, both of Los 

Angeles, California.

RBB BANCORP

Newspaper:

Federal Register:

CIC Not available

02/15/2013

Interagency Notice of Change in Control by the 

Kao Control Group, including Dr. Ruey Chyr 

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

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

Kao of Leawood, Kansas; Daniel J. Kao and 

Linda Lee Kao of La Jolla, California; Christina 

Kao of Piscataway, New Jersey; and their 

related family members, to acquire 10 percent or 

more of the voting stock of RBB Bancorp, and 

thereby indirectly acquire 10 percent or more of 

the voting stock of Royal Business Bank, both 

of Los Angeles, California.

RBB BANCORP

Newspaper:

Federal Register:

CIC Not available

02/15/2013

Interagency Notice of Change in Control by the 

Chang Control Group, including Louis C. Chang 

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

Estates, California; Peter Ming Chang of Los 

Alamitos, California; and their related family 

members, to acquire 10 percent or more of the 

voting stock of RBB Bancorp, and thereby 

indirectly acquire 10 percent or more of the 

voting stock of Royal Business Bank, both of 

Los Angeles, California.

RBB BANCORP

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 657365 HANMI BK, LOS ANGELES, CALIFORNIA 09/24/2012 01/30/2013 S Large Bank

CRA Examinations scheduled for Second Quarter of 2013 (April 1, 2013 - June 30, 2013)

Institution Location

BANK OF HAWAII HONOLULU, HAWAII

HERITAGE BK OF CMRC SAN JOSE, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act