Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 50 

Week Ending December 15, 2012

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

Federal Reserve Notes -- new currency budget for 2013.

- Approved, December 13, 2012

Forms

Forms -- initial Board review to revise the Capital Assessments and Stress Testing 

(FR Y-14A/Q/M).

- Proposed, December 12, 2012

Forms -- final Board review to extend with revision the Weekly Report of Dealer 

Positions (FR 2004A), Weekly Report of Cumulative Dealer Transactions 

(FR 2004B), Weekly Report of Dealer Financing and Fails (FR 2004C), Weekly 

Report of Specific Issues (FR 2004SI), Daily Report of Specific Issues (FR 2004SD), 

Supplement to the Daily Report of Specific Issues (FR 2004SD ad hoc), and Daily 

Report of Dealer Activity in Treasury Financing (FR 2004WI).

- Approved, December 13, 2012

Regulations and Policies

Regulation YY (Enhanced Prudential Standards) -- publication for comment of 

proposed rule to strengthen oversight of U.S. operations of foreign banks.

- Approved, December 14, 2012

Report on Capital and Accounting Differences -- interagency report to Congress on 

capital and accounting differences among the federal banking agencies for 2010 and 

2011.

- Approved, December 4, 2012

(A/C)

H.2 Board Actions December 9, 2012 to December 15, 2012

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

Community Bankers Trust Corporation, Glen Allen, Virginia, and Essex Bank, 

Tappahannock -- written agreement dated April 21, 2011, terminated December 5, 

2012.

- Announced, December 11, 2012

HSBC Holdings plc, London, United Kingdom, and HSBC North America Holdings, 

Inc., New York, New York -- issuance of a consent cease and desist order against 

HSBC Holdings and assessment of a $165 million civil money penalty against HSBC 

Holdings and its U.S. subsidiary, HSBC North America Holdings, as a result of 

unsafe and unsound practices related to insufficient compliance with Bank Secrecy 

Act and anti-money-laundering requirements and U.S. economic sanctions.

- Announced, December 11, 2012

The Northwestern Bank, Chippewa Falls, Wisconsin -- written agreement dated 

April 27, 2010, terminated December 6, 2012.

- Announced, December 11, 2012

Standard Chartered plc, London, United Kingdom; Standard Chartered Bank; and its 

New York, New York branch -- issuance of a consent cease and desist order and 

assessment of a $100 million civil money penalty to address unsafe and unsound 

practices related to inadequate and incomplete responses to examiner inquiries and 

insufficient oversight of the institutions' compliance program for U.S. economic 

sanctions, Bank Secrecy Act, and anti-money-laundering requirements.

- Announced, December 10, 2012

Tennessee Valley Financial Holdings, Inc., Oak Ridge, Tennessee -- written 

agreement dated September 26, 2011, terminated November 20, 2012.

- Announced, December 13, 2012

H.2 Board Actions December 9, 2012 to December 15, 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

December 9, 2012 to December 15, 2012

MA Monetary Affairs

Bank Branches, Domestic

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

February 11-17, 2013, at 11330 Twin Eagles Boulevard, Naples, Florida.

Cleveland

- Approved, December 13, 2012

Bank Holding Companies

CapGen Capital Group IV LLC, New York, New York, and CapGen Capital Group 

IV LP -- to increase their investment in Jacksonville Bancorp, Inc., Jacksonville, 

Florida, and indirectly acquire The Jacksonville Bank.

Richmond

- Approved, December 13, 2012

Carlile Bancshares, Inc., Fort Worth, Texas -- to acquire Washington Investment 

Company, Yuma, Colorado, and thereby indirectly acquire Colorado Community 

Bank and Colorado Front Range Holdings, Inc.

Dallas

- Approved, December 13, 2012

Carpenter Bank Partners, Inc., et al., Irvine, California -- relief from certain 

commitments.

San Francisco

- Returned, December 12, 2012

(A/C) = Addition or Correction Delegated - 1 of 5
Bank Holding Companies

Freeport Bancshares, Inc., Argonia, Kansas -- to become a bank holding company by 

acquiring Freeport State Bank, Harper.

Kansas City

- Approved, December 10, 2012

Greenwoods Financial Group, Inc., Lake Mills, Wisconsin -- to acquire Bank of 

Monticello, Monticello.

Chicago

- Approved, December 11, 2012

Heritage Financial Corporation, Olympia, Washington, and Heritage Bank -- waiver 

of application to acquire Northwest Commercial Bank, Lakewood, in connection 

with the merger of Northwest Commercial Bank with and into Heritage Bank.

San Francisco

- Granted, December 11, 2012

Odessa SouthWest Bancshares, Inc., Odessa, Texas -- to become a bank holding 

company by acquiring SouthWest Bank, Odessa.

Dallas

- Approved, December 11, 2012

Strategic Growth Bank Incorporated, El Paso, Texas, and Strategic Growth Bancorp 

Incorporated -- to acquire Mile High Banks, Longmont, Colorado.

Dallas

- Approved, December 14, 2012

H.2 Actions under delegated authority December 9, 2012 to December 15, 2012

(A/C) = Addition or Correction Delegated - 2 of 5
Bank Holding Companies

Townsend Holding Company, Grove, Oklahoma -- to become a bank holding 

company by acquiring Bank of Grove, Grove.

Kansas City

- Approved, December 12, 2012

Bank Mergers

Central State Bank, Elkader, Iowa -- to merge with Farmers Savings Bank, Walford, 

and thereby establish a branch.

Chicago

- Approved, December 14, 2012

Midland States Bank, Effingham, Illinois -- to purchase the assets and assume the 

deposit liabilities of Community Bank of the Ozarks, Sunrise Beach, Missouri, and 

thereby establish branches.

St. Louis

- Withdrawn, December 13, 2012

Change in Bank Control

Cheyenne Banking Corporation, Cheyenne, Oklahoma -- change in bank control of 

Cheyenne Banking Corporation and its subsidiary, Security State Bank, Cheyenne.

Kansas City

- Permitted, December 11, 2012

Commercial Holding Company, Wagner, South Dakota -- change in bank control of 

Commercial Holding Company and its subsidiary, Commercial State Bank of 

Wagner, Wagner.

Minneapolis

- Permitted, December 10, 2012

H.2 Actions under delegated authority December 9, 2012 to December 15, 2012

(A/C) = Addition or Correction Delegated - 3 of 5
Change in Bank Control

First Volunteer Corporation, Chattanooga, Tennessee -- change in bank control of 

First Volunteer Corporation and its subsidiary, First Volunteer Bank, Chattanooga.

Atlanta

- Permitted, December 13, 2012

Highlands Bankshares, Inc., Abingdon, Virginia -- to retain control of Highlands 

Bankshares and its subsidiary, Highlands Union Bank, Abingdon.

Richmond

- Permitted, December 11, 2012

Keystone Community Bancorporation, Keystone, Iowa -- change in bank control of 

Keystone Community Bancorporation and its subsidiary, Keystone Savings Bank, 

Keystone.

Chicago

- Permitted, December 14, 2012

Morgantown Deposit Bancorp, Inc., Morgantown, Kentucky -- change in bank 

control of Morgantown Deposit Bancorp and its subsidiary, Morgantown Bank & 

Trust Company, Inc., Morgantown.

St. Louis

- Permitted, December 12, 2012

Surrey Bancorp, Mount Airy, North Carolina -- change in bank control of Surrey 

Bancorp and its subsidiary, Surrey Bank & Trust, Mount Airy.

Richmond

- Permitted, December 12, 2012

H.2 Actions under delegated authority December 9, 2012 to December 15, 2012

(A/C) = Addition or Correction Delegated - 4 of 5
Financial Holding Companies 

First Financial Holdings Inc., Charleston, South Carolina -- election to become a 

financial holding company.

Richmond

- Effective, December 13, 2012

Membership

The First National Bank of West Union, West Union, Iowa -- to retain membership in 

the Federal Reserve System on conversion to a state-chartered bank, to be known as 

Bank 1st.

Chicago

- Approved, December 11, 2012

H.2 Actions under delegated authority December 9, 2012 to December 15, 2012

(A/C) = Addition or Correction Delegated - 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending December 15, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

1854 Bancorp, Cambridge, Massachusetts to 

become a mutual holding company through the 

acquisition of East Cambridge Savings Bank, 

Cambridge, Massachusetts, pursuant to section 

3(a)(1) of the BHC Act.

1854 Bancorp

* 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 December 15, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Canadian Imperial Bank of Commerce, Toronto, 

Canada, to convert its existing agency in New 

York, New York, to a branch, pursuant to 

Section 211.24(a)(2)(i)(A) of Regulation K.

CANADIAN IMPERIAL BANK 

OF COMMERCE

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Flushing Financial Corporation, Flushing, New 

York, to become a bank holding company, 

pursuant to Section 3(a)(1) of the Bank Holding 

Company Act, upon the merger of Flushing 

Savings Bank, FSB, Flushing, New York, with 

and into Flushing Commercial Bank, North New 

Hyde Park, New York ("FCB"). FCB will become 

a New York State-chartered commercial bank 

and change its name to Flushing Bank.

FLUSHING FINANCIAL 

CORPORATION

* 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 December 15, 2012

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 December 15, 2012

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 December 15, 2012

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:

* Branch

Not applicable

Farmers Bank, Windsor, Virginia, to establish a 12/27/2012

branch at 28319 Southampton Parkway, 

Courtland, Virginia

FARMERS BANK, WINDSOR VA

Newspaper:

Federal Register:

* 4c8 Not available

* 18C

* Branch

Not available

Old Line Bancshares, Inc., Bowie, Maryland, to 

acquire 100% of the voting securities of WSB 

Holdings, Inc., Bowie, Maryland, and thereby 

indirectly acquire Washington Savings Bank, 

F.S.B., Bowie, Maryland.

OLD LINE BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 01/07/2013

01/04/2013

Piedmont Community Bank Holdings, Inc., 

Raleigh, North Carolina, and Crescent Financial 

Bancshares, Inc., Raleigh, North Carolina, to 

acquire 100% of the voting securities of ECB 

Bancorp, Inc., Engelhard, North Carolina, and 

thereby indirectly acquire The East Carolina 

Bank, Engelhard, North Carolina.

PIEDMONT COMMUNITY BANK 

HOLDINGS, INC.

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 December 15, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 01/07/2013

01/04/2013

4830 Acquistion Company, LLC, to become a 

bank holding company by acquiring 100 percent 

of the outstanding shares of Southern 

Commerce Bank, National Association, both of 

Tampa, Florida.

4830 ACQUISITION COMPANY, 

LLC

Newspaper:

Federal Register:

* MHC Not available

Conversion

* SLHC 

Formation

Not available

First Charter, MHC, West Point, Georgia, to 

convert to stock form and merge with and into 

Charter Financial Corporation, West Point, 

Georgia, which proposes to become a savings 

and loan holding company by acquiring 

Charterbank, West Point, Georgia.

CHARTER FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Church Point Bank & Trust Company, Church 

Point, Louisiana, to become a member of the 

Federal Reserve System.

CHURCH POINT BANK AND 

TRUST COMPANY

* 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 December 15, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

12/18/2012

Members of the Irish and Hodgson family which 

include: Ann Kennedy Irish, Harbor Springs, 

Michigan, as trustee of the Ann Kennedy Irish 

Trust; the Ann Kennedy Irish Trust, Harbor 

Springs, Michigan, David H. Irish, Harbor 

Springs, Michigan, as trustee of the David H. 

Irish Trust; the David H. Irish Trust, Harbor 

Springs, Michigan; Tracy Irish Texter, 

Middleville, Michigan and John F. Texter, 

Middleville, Michigan, as trustees of the John F. 

Texter and Tracy I. Texter Trust; the John F. 

Texter and Tracy I. Texter Trust, Middleville, 

Michigan; Susan Irish Stewart, Harbor Springs, 

Michigan, as trustee of the Susan Irish Stewart 

Revocable Intervivos Trust; the Susan Irish 

Stewart Revocable Intervivos Trust, Harbor 

Springs, Michigan; Colin David Irish, 

Marquette, Michigan; Perry Irish Hodgson, 

Charlevoix, Michigan; Liam Foster Hodgson, 

Beaver Island, Michigan; Alexander Irish 

Hodgson, Charlevoix, Michigan; and Raymond 

Earhart Hodgson, Charlevoix, Michigan, to be 

added to the Hodgson Family Control Group 

and to thereby retain control of 25 percent or 

more of Charlevoix First Corporation, 

Charlevoix, Michigan and indirectly Charlevoix 

State Bank, Charlevoix, Michigan.

CHARLEVOIX FIRST 

CORPORATION

Newspaper:

Federal Register:

Member Not applicable

Not applicable

First Iowa State Bank, Albia, Iowa, for 

membership in the Federal Reserve System.

FIRST IOWA STATE BANK

Newspaper:

Federal Register:

CIC 12/01/2012

12/04/2012

Notice by Roger D. Underwood, individually 

and acting in concert with Michael L. 

Underwood, both of Guthrie Center, Iowa, to 

gain control of Guthrie County Bancshares, Inc., 

Guthrie Center, Iowa and thereby Guthrie 

County State Bank, Panora, Iowa.

GUTHRIE COUNTY 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 12/04/2012

12/12/2012

Notice of Change in Control by Horizon 

Bancorp Employee Stock Ownership Plan to 

acquire 10 percent or more of the outstanding 

voting shares of Horizon Bancorp, and thereby 

indirectly acquire additional shares of Horizon 

Bank, National Association, all of Michigan 

City, Indiana.

HORIZON BANCORP

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

Federal Reserve Bank of Chicago

Filings received during the week ending December 15, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/20/2012

Notice by the group consisting of: JPMorgan 

Chase Bank, N.A., Naperville, Illinois as Trustee 

of the Jerry C. Bradshaw Family Trust - GST 

Non-Exempt Trust and the Jerry C. Bradshaw 

Family Trust - GST Exempt Trust; Charles M. 

Shea, Wilmette, Illinois, as committee member of 

the Jerry C. Bradshaw Family Trust - GST 

Non-Exempt Trust and the Jerry C. Bradshaw 

Family Trust - GST Exempt Trust; Molly Boed, 

Wassenaar, Netherlands, as committee member 

of the Jerry C. Bradshaw Family Trust - GST 

Non-Exempt Trust and the Jerry C. Bradshaw 

Family Trust - GST Exempt Trust; Betty J. 

Bradshaw, Wheaton, Illinois, as committee 

member of the Jerry C. Bradshaw Family Trust - 

GST Non-Exempt Trust and the Jerry C. 

Bradshaw Family Trust - GST Exempt Trust, to 

retain control of the outstanding shares of 

Marseilles Bancorporation, Inc., and thereby 

retain indirect control Marseilles Bank, both of 

Marseilles, Illinois.

MARSEILLES 

BANCORPORATION, INC.

Newspaper:

Federal Register:

CIC

Not available

Trident SBI Holdings, LLC; Trident V, L.P.; 12/11/2012

Trident V Parallel Fund, L.P.; Trident V 

Professionals Fund, L.P.; Trident Capital V, L.P.; 

Trident Capital V-PF, L.P.; Stone Point GP Ltd; 

CD Trident V, LLC; and Charles A. Davis, all of 

Greenwich, Connecticut, as a group acting in 

concert, to acquire control of Standard 

Bancshares, Inc., Hickory Hills, Illinois, and 

thereby indirectly acquire control of Standard 

Bank and Trust Company, Hickory Hills, Illinois.

STANDARD BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

12/24/2012

Notice by The Guttau Family consisting of 

Michael K. Guttau, Judith Ann Guttau, and the 

Heidi Guttau-Fox and Joshua Guttau Irrevocable 

Living Trust, Treynor, Iowa, Heidi Ann 

Guttau-Fox, Minden, Iowa, and Joshua Michael 

Guttau, Treynor, Iowa, as Trustees, as group 

acting in concert, to retain control of Treynor 

Bancshares, Inc., Treynor, Iowa, and thereby 

indirectly control Treynor State Bank, Treynor, 

Iowa.

TREYNOR BANCSHARES, INC.

Newspaper:

Federal Register:

* MHC Not available

Conversion Not available

WBSB Bancorp, MHC, West Bend, Wisconsin, 

to convert from mutual to stock form, which 

would eliminate WBSB Bancorp, MHC and 

WBSB Bancorp, Inc., and form a new bank 

holding company.

WBSB BANCORP, 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

NONE

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 December 15, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 12/31/2012

01/03/2013

Notice by Michael Cripps, Murphysboro, 

Illinois, individually and as a member of a family 

control group to gain control of First of 

Murphysboro, Corp., Murphysboro, Illinois. 

The family control group consists of Michael 

Cripps, Helen Cripps, Sarah Cripps, and Troy 

Cripps, all of Murphysboro, Illinois.

FIRST OF MURPHYSBORO 

CORP.

Newspaper:

Federal Register:

* 3A1 12/27/2012

12/26/2012

Ozark Bancorp, Inc., Salem, Missouri, to become 

a bank holding company through the 

conversion of its wholly-owned subsidiary, 

Progressive Ozark Bank, Savings Bank, Salem, 

Missouri, from a federally chartered savings 

bank to a state chartered commercial bank.

OZARK BANCORP, INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending December 15, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control notice by James and Nita 

Wallenfelsz, both of North Oaks, Minnesota, to 

acquire 25 percent or more of the shares of N.A. 

Corporation, Roseville, Minnesota, and thereby 

indirectly gain control of North American 

Banking Company, Roseville, Minnesota.

N.A. CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Retroactive Change in Control notice by David 

L. Neisen, Watkins, Minnesota, to retain 25 

percent or more of the shares of Neisen 

Bancshares, Inc., Watkins, Minnesota, and 

thereby indirectly retain control of Farmers State 

Bank of Watkins, Watkins, Minnesota.

NEISEN BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

12/17/2012

Change in Control notice by Stephen 

Wellington, Jr., Saint Paul, Minnesota, to 

acquire 10 percent or more of the shares of Plato 

Holdings, Inc., Saint Paul, Minnesota, and 

thereby indirectly gain control of Drake Bank, 

Saint Paul, Minnesota. This proposal is related 

to the proposed redemption of subordinated 

debt issued by Plato Holdings under the TARP 

CPP.

PLATO HOLDINGS, INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending December 15, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

12/31/2012

Notice submitted by Troy and Crystal 

Faulkender, Oakley, Kansas; Jay and Brandy 

Todd, Rexford, Kansas; Darvin and Tammi 

Strutt, Colby, Kansas; Sharon and Ronnie 

Schamberger, Hoxie, Kansas; Crystal Ann 

Trauer, trustee of the Laurence Duane Trauer 

Tax Shelter Trust and the Crystal Ann Trauer 

Revocable Trust, both in Hays, Kansas; Nichole 

and Bret Tremblay, Manhattan, Kansas; Leslea 

and Brett Oelke, Hoxie, Kansas; Brittany 

Schamberger, Hoxie, Kansas, Taylore 

Schamberger, Hoxie, Kansas; Jerry and Melissa 

Spresser, Hoxie, Kansas; Larry and Julie 

Spresser, Pittsburg, Kansas; and Brian and 

Sheri Baalman, Menlo, Kansas; as a group 

acting in concert, to acquire control of Big Mac 

Bancshares, Inc., Hoxie, Kansas, parent of 

Peoples State Bank, McDonald, Kansas.

BIG MAC BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 12/26/2012

12/20/2012

Hope Bancshares, Inc., Hope, Kansas, to 

acquire 100 percent of the voting shares of 

ABM Holding Company, parent of The Citizens 

State Bank, both in Miltonvale, Kansas.

HOPE BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

12/28/2012

Notice submitted by Ellen Records Morgan, 

Oklahoma City, Oklahoma, as co-trustee, to 

acquire control of the Martha E. Records 2009 

GST Exempt Family Trust, the Martha E. 

Records 2009 Non-Exempt Family Trust, the 

Kathryn R. Ryan 2007 GST Exempt Family Trust, 

and the Kathryn R. Ryan 2007 Non-Exempt 

Family Trust, all of Oklahoma City, Oklahoma, 

and thereby acquire control of additional shares 

of Midland Financial Co., parent of MidFirst 

Bank, both of Oklahoma City, Oklahoma.

MARTHA E. RECORDS 2009 GST 

EXEMPT FAMILY TRUST

Newspaper:

Federal Register:

* 3A1 12/01/2012

12/03/2012

Townsend Holding Company to become a bank 

holding company through the acquisition of 100 

percent of the outstanding voting shares of 

Bank of Grove, both in Grove, Oklahoma.

TOWNSEND HOLDING 

COMPANY

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending December 15, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

American State Bank, Arp, Texas, to acquire by 

merger East Texas National Bank of Palestine, 

Palestine, Texas; to establish branches at 207 

West Spring Street, Palestine, Texas 75801; 1718 

11th Street, Huntsville, Texas 77340; and 101 

North McKinney Street, Mexia, Texas 76667; 

and for consent to exercise trust powers 

pursuant to 12 C.F.R. Section 208.3(d)(2).

AMERICAN STATE BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

HCSB, a State Banking Association, Plainview, 

Texas, to establish a branch to be located at 201 

W. 6th Street, Plainview, Texas 79072.

HCSB, A STATE BANKING 

ASSOCIATION

Newspaper:

Federal Register:

* 3A3 Not available

12/19/2012

Quanah Financial Corporation Employee Stock 

Ownership Plan, Quanah, Texas, to retain 32.73 

percent of Quanah Financial Corporation, 

Quanah, Texas, and indirectly First Capital 

Bank, Quanah, Texas.

QUANAH FINANCIAL 

CORPORATION EMPLOYEE 

STOCK OWNERSHIP PLAN

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending December 15, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

12/28/2012

First Northwest Bancorp, Port Angeles, 

Washington, to become a bank holding 

company upon the conversion of First Federal 

Savings and Loan Association of Port Angeles, 

Port Angeles, Washington, from a mutual to 

stock savings bank.

FIRST NORTHWEST BANCORP

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:

CIC Not available

11/21/2012

Notice of Change in Control by Barbara Marie 

Kershaw, Newport Beach, California, to retain 

her controlling interest of approximately 17.1% 

of the voting common stock of Malaga Financial 

Corporation and thereby indirectly Malaga 

Bank, FSB, both of Palos Verdes Estates, 

California.

MALAGA FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

01/11/2013

SKBHC Holdings LLC, Seattle, Washington, 

and AmericanWest Bank, both of Seattle, 

Washington, to acquire PremierWest Bancorp 

and thereby indirectly PremierWest Bank, both 

of Medford, Oregon.

SKBHC HOLDINGS LLC

* 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