Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 12 

Week Ending March 23, 2013

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

FirstMerit Corporation, Akron, Ohio -- to acquire Citizens Republic Bancorp, Inc., 

Flint, Michigan, and thereby acquire Citizens Bank (FRB Order No. 2013-3).

- Approved, March 22, 2013

Forms

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

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

- Approved, March 22, 2013

Regulations and Policies

Leveraged Lending -- final interagency guidance on leveraged lending.

- Approved, March 7, 2013

(A/C)

Enforcement

Bank of Bartlett, Bartlett, Tennessee -- prompt corrective action directive dated 

January 30, 2012, terminated March 18, 2013.

- Announced, March 21, 2013

Bank of Little Rock, Little Rock, Arkansas -- written agreement dated May 18, 2010, 

terminated March 15, 2013.

- Announced, March 21, 2013

Bank VI, Salina, Kansas -- written agreement dated July 14, 2010, terminated 

March 13, 2013.

- Announced, March 19, 2013

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

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

Devon Bancorp, Inc., Chicago, Illinois -- written agreement with the Federal Reserve 

Bank of Chicago.

- Announced, March 19, 2013

Pembina County Bankshares, Ltd., Cavalier, North Dakota -- written agreement 

dated March 9, 2011, terminated March 18, 2013.

- Announced, March 21, 2013

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

(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

March 17, 2013 to March 23, 2013

MA Monetary Affairs

Bank Branches, Domestic

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

serve Dallas, Texas, and the Dallas County area.

Dallas

- Withdrawn, March 22, 2013

First Southern Bank, Boca Raton, Florida -- to establish a branch at 9965 San Jose 

Boulevard, Jacksonville.

Atlanta

- Approved, March 18, 2013

Wellington State Bank, Wellington, Texas -- to establish a branch at 800 West Wise 

Street, Bowie.

Dallas

- Approved, March 21, 2013

Bank Holding Companies

Carpenter Fund Manager GP, LLC, et al., Irvine, California -- to acquire shares of 

Pacific Mercantile Bancorp, Costa Mesa, and thereby indirectly acquire control of 

Pacific Mercantile Bank; and for Pacific Mercantile Bancorp, Carpenter Fund 

Manager, et al., to form a subsidiary of Pacific Mercantile Bancorp, PM Asset 

Management, Inc., Costa Mesa, and to engage in extending credit and servicing 

loans.

San Francisco

- Approved, March 18, 2013

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

F.N.B. Corporation, Hermitage, Pennsylvania -- waiver of application to acquire 

Annapolis Bancorp, Inc., Annapolis, Maryland, in connection with the merger of 

their respective subsidiaries, First National Bank of Pennsylvania, Hermitage, and 

BankAnnapolis, Annapolis.

Cleveland

- Granted, March 21, 2013

The Grace Investment Company, Inc. ESOP, Alva, Oklahoma, and Grace Investment 

Company, Inc. -- to acquire First Kiowa Bancshares, Inc., Kiowa, Kansas, and its 

subsidiary, The First State Bank, Kiowa, Kansas.

Kansas City

- Approved, March 21, 2013

Lexington B & L Financial Corp., Lexington, Missouri -- to become a bank holding 

company on conversion of its subsidiary federal savings bank, B & L Bank, 

Lexington, to a state-chartered commercial bank.

Kansas City

- Approved, March 21, 2013

Third Coast Bancshares, Inc., Humble, Texas -- to become a bank holding company 

by acquiring Third Coast Bank, SSB, Humble.

Dallas

- Approved, March 22, 2013

Weststar Bancorp, Albuquerque, New Mexico -- to become a bank holding company 

by acquiring Sunrise Bank of Albuquerque, Albuquerque.

Kansas City

- Withdrawn, March 20, 2013

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

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

Wintrust Financial Corporation, Rosemont, Illinois -- to acquire First Lansing 

Bancorp, Inc., Lansing, and thereby acquire First National Bank of Illinois.

Chicago

- Approved, March 22, 2013

Banks, State Member

Bank of Hawaii, Honolulu, Hawaii -- to make a public welfare investment.

Secretary

- Approved, March 21, 2013

Change in Bank Control

Banterra Corp, Eldorado, Illinois -- to retain control of Banterra Corp and its 

subsidiary, Banterra Bank, Marion.

St. Louis

- Permitted, March 18, 2013

Finlayson Bancshares, Inc., Finlayson, Minnesota -- to retain control of Finlayson 

Bancshares and its subsidiaries, Northview Bank, Sandstone, and First Independent 

Bank, Russell.

Minneapolis

- Withdrawn, March 22, 2013

Legend Bancorp, Inc., Bowie, Texas -- to retain control of Legend Bancorp and its 

subsidiary, Legend Bank, N.A., Bowie.

Dallas

- Withdrawn, March 18, 2013

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

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

The PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania -- waiver of 

remainder of prior-notice period for Harris Williams UK Holdings, LLC, Richmond, 

Virginia, to make an additional investment in Harris Williams & Co., Ltd., London, 

England.

Director, BS&R

- Granted, March 21, 2013

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

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

Federal Reserve Bank of Boston

Filings received during the week ending March 23, 2013

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 March 23, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citibank N.A. Sioux Falls, South Dakota and 

Citibank Overseas Investment Corporation, New 

Castle, Delaware, pursuant to Section 211.9(f) of 

Regulation K, to make an investment in Citibank 

Distribuidora de Titulos e Valores Mobiliarios 

S.A., Sao Paulo, Brazil.

CITIBANK, N.A.

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 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 March 23, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Customers Bank, Phoenixville, PA, to establish a 04/13/2013

branch office located at 99 Park Avenue, 15th 

Floor, Suite 1550, New York, NY.

CUSTOMERS BANK

Newspaper:

Federal Register:

* SLHC Not available

Formation 04/19/2013

Sunnyside Bancorp, Inc., Irvington, NY, to form 

a holding company by acquiring Sunnyside 

Federal Savings and Loan Association of 

Irvington, Irvington, NY, a federally chartered 

mutual savings and loan association converting 

to a federally chartered stock formation.

SUNNYSIDE 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 March 23, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/02/2013

Interagency Notice of Change in Bank Control 

submitted by Michael R. Eaves, as an 

individual, Richmond, KY and Interagency 

Notice of Change in Bank Control submitted by 

Dr. William R. Allen and Pattris S. Allen and Dr, 

WIlliam R. Allen and Pattris S. Allen's IRA 

and/or 401K account(s); Michael R. Eaves and 

Ava M. Eaves and Michael R. Eaves and Ava 

M. Eaves' IRA and/or 401K account(s); Michael 

D. Eidson and Kathleen H. Eidson and Michael 

D. Eidson's IRA account(s); Jeffrey E. Neal and 

Debra G. Neal and Jeffrey E. Neal and Debra G. 

Neal's IRA and/or 401K account(s); Corey E. 

Neal; and Stuart K. Olds, all of Richmond, KY 

and J. Michael Burns, Nicholasville, KY to 

acquire 10% or more of the outstanding voting 

shares of Madison Financial Corporation, 

Richmond, KY.

MADISON FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

03/25/2013

Interagency Notice of Change in Bank Control 

submitted by WVS Financial Corp., ESOP and 

John W. Grace, Trustee, Pittsburgh, PA to retain 

13.45% of the outstanding voting shares of 

WVS Financial Corp., Pittsburgh, PA and to 

acquire additional shares not to exceed 24.9% of 

WVS Financial Corp. total shares outstanding.

WVS FINANCIAL CORP.

* 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 March 23, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA

Not applicable

Banque Centrale Populaire, Casablanca, 11/12/2012

Morocco, to establish a representative office in 

Washington, D.C.

BANQUE CENTRALE 

POPULAIRE

Newspaper:

Federal Register:

CIC Not available

Not available

Olivia Britton Holding, Raleigh, North Carolina, 

to retain control of 11.5% of First Citizens 

BancShares, Inc., Raleigh, North Carolina.

FIRST CITIZENS BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Frank Brown Holding, Jr., Raleigh, North 

Carolina, to retain control of 10.5% of First 

Citizens BancShares, Inc., Raleigh, North 

Carolina.

FIRST CITIZENS BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC

Not available

Gordon A. Baird, Darien, Connecticut, 04/13/2013

individually to control up to 12.11% of the 

outstanding voting shares of Independence 

Bancshares, Inc., Greenville, South Carolina. 

Additionally, Gordon A. Baird and Alvin G. 

Hageman, Westport, Connecticut, together with 

Baird Hageman & Co., LLC, Darien, 

Connecticut, as a group acting in concert to 

control up to 14.42% of the outstanding voting 

shares of Independence Bancshares, Inc., 

Greenville, South Carolina

INDEPENDENCE BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC Not available

03/14/2013

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

individually control 11.21% 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

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 March 23, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/04/2013

Prior change in control notice filed by William 

Henry Carr, Enterprise, Alabama, and Jerry 

Newman Carr, Cornelius, North Carolina, to 

acquire 31.12 percent of the outstanding shares 

of Enterprise Capital Corporation, Inc., and its 

subsidiary bank, The Citizens Bank, both of 

Enterprise, Alabama.

ENTERPRISE CAPITAL 

CORPORATION, INC.

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.

Newspaper:

Federal Register:

CIC Not available

04/04/2013

Prior change in control notice filed by Phillip 

Bruce Culpepper, Tallahassee, Florida; Richard 

Rene Dostie, Jacksonville, Florida; Charles 

Eldridge Hughes, Jr., Jacksonville, Florida; Jan 

Malcolm Jones, Jr., Jacksonville, Florida; James 

Thomas Katsur, Longwood, Florida; William 

Andrew Krusen, Jr., Tampa, Florida; Allan Scott 

Martin, Tampa, Florida; Linda Claire McGurn, 

Micanopy, Florida; and Manuel Gonzalo 

Sanchez, Gainesville, Florida; to collectively 

acquire 25.34 percent of the outstanding shares 

of Florida Capital Group, Inc., and its 

subsidiary, Florida Capital Bank, both of 

Jacksonville, Florida.

FLORIDA CAPITAL GROUP, INC.

Newspaper:

Federal Register:

* 3A3 04/12/2013

03/15/2013

Old Florida Bancshares, Inc., to acquire 100 

percent of the outstanding shares of New 

Traditions National Bank, both of Orlando, 

Florida.

OLD FLORIDA BANCSHARES, 

INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

United Legacy Bank, Longwood, Florida, to 

establish a branch located at 3825 Edgewater 

Drive, Orlando, Florida, to be known as United 

Legacy Bank - College Park Office.

UNITED LEGACY BANK

* 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 March 23, 2013

Filer Filing Type Filing Proposal End of Comment Period

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

LAF GW Investments, LLC (LAF GW), an 03/05/2013

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:

CIC Not available

Not available

Helen Johnson-Leipold, as trustee of the Exempt 

Family Trust u/a Imogene P. Johnson 2012 Gift 

Trust, to be added to the existing Johnson 

Family Control Group that currently controls 

Johnson Financial Group, Inc., Racine, 

Wisconsin, and thereby indirectly control 

Johnson Bank, Racine, Wisconsin.

JOHNSON FINANCIAL GROUP, 

INC.

Newspaper:

Federal Register:

CIC Not available

04/04/2013

The Sharon L. Hearns Irrevocable Family Trust, 

James E. Hearns, as trustee of the Sharon L. 

Hearns Irrevocable Family Trust, James E. 

Hearns and Sharon L. Hearns, all of Naples, 

Florida, Keith E. Hearns and Natalie 

Guetierrez-Hearns, both of New Lenox, Illinois, 

and Gregory F. Steil, Hinsdale, Illinois, together 

as a group acting in concert, to acquire 10 

percent or more of the voting shares of 

LWCBancorp, Inc., and thereby indirectly 

acquire control of LincolnWay Community 

Bank, both of New Lenox, Illinois.

LWCBANCORP, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending March 23, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

04/19/2013

Minier Financial, Inc. Employee Stock 

Ownership Plan with 401(k) Provisions, Minier, 

Illinois, to increase its ownership of Minier 

Financial, Inc., Minier, Illinois, from 35 percent 

to up to 51 percent, and thereby increase its 

indirect ownership of First Farmers State Bank, 

Minier, Illinois.

MINIER FINANCIAL, INC. 

EMPLOYEE STOCK OWNERSHIP 

PLAN W/401(K) PROVISIONS

Newspaper:

Federal Register:

CIC Not available

03/28/2013

The notice filed pursuant to the Change in Bank 

Control Act of 1978 by Ms. Marjorie Jane 

Danielson, Freeport, Maine, as an individual, 

Ms. Anne Danielson Pick, St. Paul, Minnesota, 

as an individual; and by the control group 

consisting of the Clifford and Marjorie 

Danielson for M. Jane Danielson Child?s Trust, 

Sycamore, Illinois; the Clifford and Marjorie 

Danielson for M. Jane Danielson?s 

Descendants Trust, Sycamore, Illinois; the 

Clifford and Marjorie Danielson for Anne Pick 

Child?s Trust, Sycamore, Illinois; the Clifford 

and Marjorie Danielson for Anne Pick?s 

Descendants Trust, Sycamore, Illinois; to retain 

control of NI Bancshares, Corporation, 

Sycamore, Illinois and thereby retain indirect 

control The National Bank & Trust Company, 

Sycamore, Illinois.

NI BANCSHARES 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

Not available

OSB Financial Corporation, Brooklyn, Michigan, 

to become a bank holding company by 

acquiring 100 percent of OSB Community Bank, 

Brooklyn, Michigan.

OSB FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

04/04/2013

QCR Holdings,Inc., Moline, Illinois, to acquire 

100 percent of Community National 

Bancorporation, Waterloo, Iowa, and thereby 

indirectly acquire Community National Bank, 

Waterloo, Iowa.

QCR HOLDINGS, INC.

* 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

 863746 FARMERS & MRCH SVG BK, MANCHESTER, IOWA 11/05/2012 03/13/2013 S Int Sm 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 March 23, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5

* 18C

* Branch

04/13/2013

04/18/2013

Midland States Bancorp, Inc., Effingham, 

Illinois, to acquire through merger, Grant Park 

Bancshares, Inc., Grant Park, Illinois, and 

thereby indirectly acquire The First National 

Bank of Grant Park, Grant Park, Illinois. Also 

Midland States Bank, Effingham, Illinois, to 

merge with The First National Bank of Grant 

Park, Grant Park, Illinois, and to retain the 

acquired facilities as branch offices.

MIDLAND STATES 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

 273840 COMMUNITY FIRST BK, MOUNT VERNON, ILLINOIS 12/03/2012 03/08/2013 O Small Bank

 852544 SOUTHERN BANCORP BK, ARKADELPHIA, ARKANSAS 11/26/2012 03/11/2013 S Int Sm 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 March 23, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control Notice by Tina Pogatchnik 

Rabe, Hinckley, Minnesota, individually and as 

trustee for the Bruce Pogatchnik Family Trust, 

Hinckley, Minnesota, and the D.A. Pogatchnik 

Family Trust, Hinckley, Minnesota; and Bruce 

Alan Pogatchnik, Finlayson, Minnesota, 

individually and as trustee for the Dean L. 

Pogatchnik Grandchildren's Trust, Finlayson, 

Minnesota, and as part of a group acting in 

concert with Lowell Pogatchnik, Finlayson, 

Minnesota, Carol Pogatchnik, Finlayson, 

Minnesota, D.A. Pogatchnik, Marshall, 

Minnesota, Dean L. Pogatchnik, Finlayson, 

Minnesota, and Paula Pogatchnik-Diaz, 

Wyoming, Minnesota, to retain 25 percent or 

more of the shares of Finlayson Bancshares, 

Inc., Finlayson, Minnesota, and thereby 

indirectly retain control of Northview Bank, 

Sandstone, Minnesota, and First Independent 

Bank, Russell, Minnesota.

FINLAYSON BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

04/01/2013

Change in Control notice by Joseph Robert 

Dickson III, Citrus Heights, California, David W. 

Dickson, Northbrook, Illinois, and Samuel J. 

Dickson, Fairfax, Minnesota, to each retain 25 

percent or more of the shares of Fort Ridgely 

National Bancorporation, Inc., Fairfax, 

Minnesota, and thereby indirectly retain control 

of First National Bank of Fairfax, Fairfax, 

Minnesota.

FORT RIDGELY NATIONAL 

BANCORPORATION, INC.

Newspaper:

Federal Register:

CIC Not available

04/09/2013

The 2012 Jack W. Steele Irrevocable Trust and 

the 2012 Donna D. Steele Irrevocable Trust 

("Trusts"), both of Huron, South Dakota; 

Preston B. Steele, individually and as trustee of 

Trusts, and Tasha J. Lee, individually and as 

trustee of Trusts, both of Huron, South Dakota; 

and American Bank & Trust, Wessington 

Springs, South Dakota, as trustee of Trusts, to 

retain and acquire control of Leackco Bank 

Holding Company, Inc., Wolsey, South Dakota, 

and thereby indirectly retain and acquire control 

of American Bank & Trust, Wessington 

Springs, South Dakota, and American State 

Bank of Pierre, Pierre, South Dakota.

LEACKCO BANK HOLDING 

COMPANY, INC.

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending March 23, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8 04/29/2013

MidWest Bancorporation, Inc., Eden Prairie, 

Minnesota, to become a bank holding company 

as a result of the proposed conversion of its 

wholly-owned subsidiary, Star Bank, Bertha, 

Minnesota, from a federal savings bank to a 

Minnesota state-chartered commercial bank. 

Midwest Bancorporation, Inc., Eden Prairie, 

MN, through Todd County Agency, Inc., Eden 

Prairie, MN, and its subsidiary West Central 

Agency, Inc., Graceville, MN, to engage in 

general insurance agency activities under 

225.28(b)(11)(iii)(A) of Regulation Y.

MIDWEST BANCORPORATION, 

INC.

Newspaper:

Federal Register:

* 3A3

4c8

04/06/2013

03/29/2013

Midwest Bancshares, Inc., Tyndall, South 

Dakota, to acquire 100 percent of Commercial 

Bank of Minnesota, Heron Lake, Minnesota. In 

addition, Midwest Bancshares, Inc., Tyndall, 

South Dakota, to acquire 100 percent of Risk 

Management Partners, Inc., Heron Lake, 

Minnesota, an insurance agency engaged in 

general insurance agency activities in a town 

with a population not exceeding 5000.

MIDWEST BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

04/11/2013

Change in Control notice by the William E. 

Blomster 2011 Irrevocable Trust, Fairmont, 

Minnesota, and Mark C. Hooper, as trustee of 

the Trust, to retain 25 percent or more of the 

shares of WEB, Inc., Fairmont, Minnesota, and 

thereby indirectly retain control of State Bank of 

Fairmont, Fairmont, Minnesota.

WEB, 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

 256553 DACOTAH BK, ABERDEEN, SOUTH DAKOTA 08/13/2012 02/27/2013 O Large Bank

 613156 FIRST MT BK, LIBBY, MONTANA 11/26/2012 03/07/2013 O Int Sm Bank

 624956 VALLEY BK OF RONAN, RONAN, MONTANA 10/22/2012 03/04/2013 O 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 March 23, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/25/2013

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 Julia 

Spresser, Pittsburg, Kansas; Brian and Sheri 

Baalman, Menlo, Kansas; and Samuel 

Brookover, Scott City, 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:

Member Not applicable

Not applicable

First National Bank, Independence, Kansas, (to 

be known as FirstBank of Independence) to 

retain its membership in the Federal Reserve 

System following its conversion from a national 

to a state charter.

FIRST NATIONAL BANK

Newspaper:

Federal Register:

CIC Not available

03/20/2013

Notice by the Bill and Twylah Horne Irrevocable 

Trust and Bill J. Horne, Jr., Ada, Oklahoma; 

Twylah Jenonne Kesler, Edmond, Oklahoma; 

and Jeanetta Bagwell, Ada, Oklahoma; as 

trustees and parties to the Vision Bancshares, 

Inc. Voting Agreement, to retain control of 

Vision Bancshares, Inc., parent of Vision Bank, 

National Association, both of Ada, Oklahoma.

VISION BANCSHARES, INC.

* 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

 132853 COLORADO CMNTY BK, YUMA, COLORADO 11/26/2012 03/04/2013 S Int Sm Bank

 563756 FIRST ST BK, WHEATLAND, WYOMING 11/26/2012 02/27/2013 O Small Bank

 554857 FIVE POINTS BK, GRAND ISLAND, NEBRASKA 11/26/2012 03/07/2013 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending March 23, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Community Trust Bank, Choudrant, Louisiana, 03/22/2013

to establish a branch to be located at 800 

Gessner, Houston, Texas 77024.

COMMUNITY TRUST BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Community Trust Bank, Choudrant, Louisiana, 

to establish a mobile branch to serve the Tarrant 

County area, including the city of Fort Worth, 

Texas.

COMMUNITY TRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Community Trust Bank, Choudrant, Louisiana, 03/30/2013

to establish a mobile branch to serve the Dallas 

County area, including the city of Dallas, Texas.

COMMUNITY TRUST BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Larry Alton Jobe, Dallas, Texas; 

Leland A. Jobe, Dallas, Texas; Jennifer M. Jobe, 

Dallas, Texas; Lezlie MacElroy, Pilot Point, 

Texas; and Lorrie J. Fry, Austin, Texas, 

collectively a group acting in concert, to 

control, retain, and acquire 10 percent or more of 

IBT Bancorp, Inc., Irving, Texas, and indirectly, 

Independent Bank of Texas, Irving, Texas.

IBT BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 03/20/2013

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:

* 3A3 Not available

04/04/2013

Texas Heritage Bancshares, Inc., Hondo, Texas, 

to acquire 100 percent of the common stock of 

Uvalde National Bank, Uvalde, Texas.

TEXAS HERITAGE 

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

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 March 23, 2013

Filer Filing Type Filing Proposal End of Comment Period

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

04/08/2013

Notice of Change in Control by Peter John 

Kovalski, Metuchen, New Jersey, to acquire up 

to 24.9 percent of the voting common stock of 

Gold Canyon Bank, Gold Canyon, Arizona.

GOLD CANYON BANK

Newspaper:

Federal Register:

* 3A1

* 4c8

04/08/2013

03/25/2013

One PacificCoast Foundation and One 

PacificCoast Bancorp, Inc., both of Oakland, 

California, to 1) become bank holding 

companies by acquiring 91 percent of Albina 

Community Bank, Portland, Oregon, pursuant to 

section 3(a)(1) of the BHC Act and 2)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 and 3) 

acquire from Albina Community Bancorp, Inc., 

the building located at 430 NW 10th Avenue, 

Portland, Oregon, that currently houses the 

headquarters and a branch of Albina 

Community Bank, pursuant to section 238.53(b)

(7) of Regulation LL.

ONE PACIFICCOAST BANCORP, 

INC.

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Pacific Premier Bank, Irvine, California, to 

acquire San Diego Trust Bank, San Diego, 

California, and thereby acquire two branch

offices.

PACIFIC PREMIER BANK

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

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

Federal Reserve Bank of San Francisco

Filings received during the week ending March 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 

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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act