Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 11 

Week Ending March 17, 2012

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

Capital One Financial Corporation, McLean, Virginia -- commenters' requests for 

reconsideration of the Board's approval of Capital One's application to acquire ING 

Bank, fsb, Wilmington, Delaware.

- Denied, March 16, 2012

Monetary and Financial Policy

Term Deposit Facility -- TDF auction of $3 billion in 28-day term deposits on 

March 19, 2012.

- Announced, March 14, 2012

Enforcement

Central Bancorp, Inc., Garland, Texas -- written agreement with the Federal Reserve 

Bank of Dallas and the Banking Commissioner of the Texas Department of Banking.

- Announced, March 13, 2012

Citizens Bancshares, Inc., Edmond, Oklahoma, and The Citizens Bank of Edmond -- 

written agreement dated January 27, 2010, terminated March 13, 2012.

- Announced, March 15, 2012

Credit Suisse AG, Zurich, Switzerland -- cease and desist order dated December 16, 

2009, terminated March 14, 2012.

- Announced, March 15, 2012

H.2 Board Actions March 11, 2012 to March 17, 2012

(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

March 11, 2012 to March 17, 2012

MA Monetary Affairs

Bank Branches, Domestic

The Adirondack Trust Company, Saratoga Springs, New York -- to establish a 

branch at 320-322 Ruhle Road South, Ballston Lake.

New York

- Approved, March 16, 2012

Bank Holding Companies

Viewpoint Financial Group, Inc., Plano, Texas -- waiver of application to merge with 

Highlands Bancshares, Inc., Dallas, in connection with the merger of their respective 

subsidiary banks, ViewPoint Bank, N.A., Plano, and The First National Bank of 

Jacksboro, Jacksboro.

Dallas

- Granted, March 15, 2012

Western State Agency, Inc. Employee Stock Ownership Plan and Trust, Devils Lake, 

North Dakota -- to increase its ownership of Western State Agency, Inc., and its 

subsidiary bank, Western State Bank, Devils Lake.

Minneapolis

- Approved, March 16, 2012

Bank Mergers

Cornerstone Bank, York, Nebraska -- to purchase certain assets and assume certain 

liabilities of Frontier Bank, Davenport, and thereby establish a branch.

Kansas City

- Approved, March 14, 2012

(A/C) = Addition or Correction Delegated - 1 of 6
Bank Mergers

First Community Bank, Bluefield, Virginia -- to merge with Peoples Bank of 

Virginia, Richmond.

Richmond

- Returned, March 15, 2012

Bank Premises

The Adirondack Trust Company, Saratoga Springs, New York -- to increase its 

investment in bank premises.

New York

- Approved, March 16, 2012

Change in Bank Control

Coastal Financial Corporation, Everett, Washington -- change in bank control of 

Coastal Financial Corporation and its subsidiary bank, Coastal Community Bank, 

Everett.

San Francisco

- Permitted, March 13, 2012

First Capital Bancorp, Inc., Glen Allen, Virginia -- change in bank control of First 

Capital Bancorp and its subsidiary bank, First Capital Bank, Glen Allen.

Richmond

- Permitted, March 12, 2012

Saint Peter Agency, Inc., Saint Peter, Minnesota -- change in bank control of Saint 

Peter Agency, Inc., and its subsidiary bank, The Nicollet County Bank of Saint Peter, 

Saint Peter.

Minneapolis

- Permitted, March 15, 2012

H.2 Actions under delegated authority March 11, 2012 to March 17, 2012

(A/C) = Addition or Correction Delegated - 2 of 6
Extensions of Time

First Bank of Berne, Berne, Indiana -- extension of time to December 12, 2012, to 

purchase assets and assume liabilities of three branches of AmericanTrust Federal 

Savings Bank, Peru, and thereby establish branches.

Chicago

- Granted, March 12, 2012

Savings and Loan Holding Companies

The Allstate Corporation, Northbrook, Illinois -- temporary relief from certain 

regulatory reporting requirements.

Director, BS&R

- Granted, March 15, 2012

The Capital Group Companies, Inc., Los Angeles, California -- temporary relief from 

certain regulatory reporting requirements.

Director, BS&R

- Granted, March 15, 2012

Curragh Capital Partners II, LP, New York, New York -- temporary relief from 

certain regulatory reporting requirements.

Director, BS&R

- Granted, March 15, 2012

Davidson Companies et al., Great Falls, Montana -- temporary relief from certain 

regulatory reporting requirements.

Director, BS&R

- Granted, March 15, 2012

H.2 Actions under delegated authority March 11, 2012 to March 17, 2012

(A/C) = Addition or Correction Delegated - 3 of 6
Savings and Loan Holding Companies

FMR LLC, Boston, Massachusetts, and Fidelity Thrift Holding Company, Inc. -- 

temporary relief from certain regulatory reporting requirements.

Director, BS&R

- Granted, March 15, 2012

Independence Holding Corporation, Franklin, Tennessee -- temporary relief from 

certain regulatory reporting requirements.

Director, BS&R

- Granted, March 15, 2012

The Jones Financial Companies, LLLP, St. Louis, Missouri -- temporary relief from 

certain regulatory reporting requirements.

Director, BS&R

- Granted, March 15, 2012

Massachusetts Mutual Life Insurance Company, Springfield, Massachusetts -- 

temporary relief from certain regulatory reporting requirements.

Director, BS&R

- Granted, March 15, 2012

National Advisors Holdings, Inc., Overland Park, Kansas -- temporary relief from 

certain regulatory reporting requirements.

Director, BS&R

- Granted, March 15, 2012

H.2 Actions under delegated authority March 11, 2012 to March 17, 2012

(A/C) = Addition or Correction Delegated - 4 of 6
Savings and Loan Holding Companies

The Northwestern Mutual Life Insurance Company, Milwaukee, Wisconsin -- 

temporary relief from certain regulatory reporting requirements.

Director, BS&R

- Granted, March 15, 2012

Prudential Financial, Inc., Newark, New Jersey, and Prudential IBH Holdco, Inc. -- 

temporary relief from certain regulatory reporting requirements.

Director, BS&R

- Granted, March 15, 2012

Robert M. Devlin Investment Trust, New York, New York -- temporary relief from 

certain regulatory reporting requirements.

Director, BS&R

- Granted, March 15, 2012

TCV Financial Corporation, Richmond, Virginia -- temporary relief from certain 

regulatory reporting requirements.

Director, BS&R

- Granted, March 15, 2012

Thrivent Financial Holdings, Inc., Minneapolis, Minnesota -- temporary relief from 

certain regulatory reporting requirements.

Director, BS&R

- Granted, March 15, 2012

H.2 Actions under delegated authority March 11, 2012 to March 17, 2012

(A/C) = Addition or Correction Delegated - 5 of 6
Savings and Loan Holding Companies

U.S. Bancorp, Cincinnati, Ohio; Guardian Bancorp, Inc.; and LSB Bancshares LLC 

-- temporary relief from certain regulatory reporting requirements.

Director, BS&R

- Granted, March 15, 2012

The Western and Southern Life Insurance Company, Cincinnati, Ohio; Western & 

Southern Financial Group, Inc.; and Western-Southern Mutual Holding Company -- 

temporary relief from certain regulatory reporting requirements.

Director, BS&R

- Granted, March 15, 2012

H.2 Actions under delegated authority March 11, 2012 to March 17, 2012

(A/C) = Addition or Correction Delegated - 6 of 6
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending March 17, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* MHC Not available

Conversion

* SLHC 

Formation

04/09/2012

Georgetown Bancorp, MHC, Georgetown, 

Massachusetts proposes to convert to stock 

form and merge with Georgetown Bancorp, Inc., 

Georgetown, Massachusetts, which proposes 

to become a savings and loan holding company 

by acquiring 100 percent of Georgetown 

Savings Bank, Georgetown, Massachusetts.

GEORGETOWN BANCORP, MHC

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Meetinghouse Bancorp, Inc., Dorchester, 

Massachusetts to acquire 100% of the 

outstanding capital stock of Meetinghouse 

Bank, Dorchester, Massachusetts, pursuant to 

section 3(a)(1) of the BHC Act, in connection 

with the conversion of the bank from mutual to 

stock form.

MEETINGHOUSE BANCORP INC

* 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 17, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Danske Bank A/S, Copenhagen, Denmark, to 

establish a branch in New York, New York, 

pursuant to Section 211.24 of Regulation K.

DANSKE BANK A/S

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Five Star Bank, Warsaw, New York, to purchase 

and assume the assets and liabilities of 

branches from First Niagara Bank N.A., Buffalo, 

New York and HSBC Bank USA N.A., McLean, 

Virginia, pursuant to Section 18(c) of the Federal 

Deposit Insurance Act.

FIVE STAR BANK

* 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

 175609 BK OF MILLBROOK, MILLBROOK, NEW YORK 07/25/2011 03/07/2012 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending March 17, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/21/2011

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

Financial Partners, L.P., Patriot Financial 

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

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

Patriot Financial Manager, LLC. and Messrs. Ira 

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

all of Philadelphia, Pennsylvania, to purchase 

up to 24.9 percent of Porter Bancorp, Inc., 

Louisville, KY.

PATRIOT FINANCIAL 

PARTNERS LP

* 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 17, 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

 2347044 OHIO HERITAGE BK, COSHOCTON, OHIO 09/06/2011 02/28/2012 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending March 17, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/20/2012

03/23/2012

FBF Partners, LP, San Francisco, California, a 

qualified family partnership, to obtain up to 

21.4% of the voting securities of Congressional 

Bancshares, Inc., Bethesda, Maryland, through 

the transfer of shares from Mr. Jason M. Fish, 

the general partner of FBF Partners, LP.

CONGRESSIONAL 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

04/09/2012

First Carolina Financial Services, Inc., Durham, 

North Carolina, to become a bank holding 

company through the acquisition of 95.26% of 

the voting securities of First Carolina State 

Bank, Rocky Mount, North Carolina, and 

95.65% of the voting securities of Pisgah 

Community Bank, Asheville, North Carolina.

FIRST CAROLINA FINANCIAL 

SERVICES, INC.

Newspaper:

Federal Register:

* SLHC Not available

Formation Not available

HomeTrust Bancshares, Inc., Clyde, North 

Carolina, to become a savings and loan holding 

company upon the conversion of HomeTrust 

Bank, Clyde, North Carolina, from a mutual to 

stock form of ownership.

HOMETRUST BANCSHARES, 

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

 3125315 HIGHLANDS CMNTY BK, COVINGTON, VIRGINIA 10/24/2011 02/27/2012 S Small Bank

 105071 PATAPSCO BK, DUNDALK, MARYLAND 11/28/2011 02/29/2012 S Small Bank

 1190074 VIRGINIA CMRC BK, ARLINGTON, VIRGINIA 10/31/2011 02/15/2012 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending March 17, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Not applicable

CapStar Bank, Nashville, Tennessee, to acquire 

certain assets and assume certain liabilities of 

the Franklin, Tennessee Branch of Community 

First Bank & Trust, Columbia, Tennessee. The 

branch is located at 9045 Carothers Parkway, 

Franklin, Tennessee.

CAPSTAR BANK

Newspaper:

Federal Register:

* 3A1 Not available

03/23/2012

United Group of Central Florida II, LLC, 

Longwood, Florida, to become a bank holding 

company by acquiring 100 percent of the 

outstanding shares of Citizens Bancorp of 

Oviedo, Inc. and its subsidiary, Citizens Bank of 

Florida, both of Oviedo, Florida.

UNITED GROUP OF CENTRAL 

FLORIDA II, LLC

* 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 17, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

First Heritage Bank (currently First National 

Bank of Farragut), Shenandoah, Iowa, to 

become a member of the Federal Reserve 

System.

FIRST NATIONAL BANK OF 

FARRAGUT, THE

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Winifred J. Marquart, Herbert F. 

Johnson III, Samuel C. Johnson III, Odinn R. 

Johnson, Olivia S. Johnson, Conrad W. Leipold, 

Samuel C. Leipold, Michael D. Marquart, 

Samantha G. Marquart, and Isabelle C. Marquart 

(all of Racine, Wisconsin) as a group working in 

concert to retain control of Johnson Financial 

Group, Inc., Racine, Wisconsin, and thereby 

indirectly control Johnson Bank, Racine, 

Wisconsin.

JOHNSON FINANCIAL GROUP, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Minier Financial, Inc. Employee Stock 

Ownership Plan with 401(k) Provisions, Minier, 

Illinois, to increase its ownership of Minier 

Financial, Inc., Minier, Illinois, from 34 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:

* Branch Not available

Not applicable

Notice by Northbrook Bank & Trust Company, 

Northbrook, Illinois, to open a branch location 

at 70 West Madison, Chicago, Illinois.

NORTHBROOK BANK & TRUST 

COMPANY

Newspaper:

Federal Register:

CIC Not available

02/14/2012

Notice by the Patricia I. Walsh Trust, Patricia I. 

Walsh individually and as trustee of the Patricia 

I. Walsh Trust, River Forest, Illinois, Mark J. 

Walsh, River Forest, Illinois, Richard A. Walsh, 

La Grange, Illinois, Katherine Walsh Hennessy, 

Chicago, Illinois, Anne E. Walsh, Forest Park, 

Illinois, Brian J. Walsh, Forest Park, Illinois, and 

Patrick M. Walsh, Chicago, Illinois, together as 

a group acting in concert, to acquire over 25 

percent of the outstanding shares of Rush-Oak 

Corporation, Chicago, Illinois, and thereby 

indirectly acquire control of Oak Bank, Chicago, 

Illinois.

RUSH-OAK CORPORATION

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

Federal Reserve Bank of Chicago

Filings received during the week ending March 17, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Steven D. Spector, as an individual 

and as trustee of the Alan L. Spector GST 

Family Trust, the Walter W. Spector, Steven D. 

Spector, Andrew M. Spector, and Nancy S. 

Spector Dynasty Trusts, and two Phillip J. 

Spector GST Trusts and Steven D. Spector, 

Walter W. Spector, Andrew M. Spector, Nancy 

S. Spector, the Phillip J. Spector GST Trust - 

FBO Michael Spector, Michael Spector and 

Steven Spector trustees, the Phillip J. Spector 

GST Trust - FBO Shelley Spector, Shelley 

Spector and Steven D. Spector trustees, and the 

Alan L. Spector GST Family Trust, the Walter 

W. Spector Dynasty Trust, the Steven D. 

Spector Dynasty Trust, the Andrew M. Spector 

Dynasty Trust, the Nancy S. Spector Dynasty 

Trust (Steven D. Spector trustee) as a group 

working in concert to acquire and/or retain 25 

percent or more of the shares of Spector 

Properties, Inc., Chicago, Illinois and thereby 

indirectly acquire Andalusia Community Bank, 

Andalusia, Illinois.

SPECTOR PROPERTIES, INC

Newspaper:

Federal Register:

4c8 Not applicable

02/27/2012

Notice by Waytru Bancorp, Cambridge City, 

Indiana, to continue to engage in the 

permissible nonbanking activity of extending 

credit and servicing loans.

WAYTRU BANCORP

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 596848 AMERICAN T&SB, DUBUQUE, IOWA 06/06/2011 11/04/2011 S Int Sm Bank

 886044 BLENCOE ST BK, BLENCOE, IOWA 11/01/2010 11/28/2011 S Small Bank

 476342 CITIZENS FIRST ST BK OF WALNUT, WALNUT, ILLINOIS 07/25/2011 11/21/2011 S Small Bank

 865544 CLEAR LAKE B&TC, CLEAR LAKE, IOWA 07/25/2011 11/21/2011 S Small Bank

 58243 JOHNSON BK, RACINE, WISCONSIN 01/03/2011 03/12/2012 O Large Bank

 382742 OSB CMNTY BK, BROOKLYN, MICHIGAN 05/30/2011 11/07/2011 S Small Bank

 409649 UNION ST BK, ROCKWELL CITY, IOWA 11/14/2011 03/12/2012 S Small 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 17, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/28/2012

04/12/2012

Notice by River Valley Bancorp Employee Stock 

Ownership Plan and Trust, Madison, Indiana, to 

acquire up to 24.99 percent of River Valley 

Bancorp, Inc., Madison, Indiana. Matthew P. 

Forrester is the plan administrator and the 

shares are voted by plan participants, none of 

which exceeds 10 percent individually.

RIVER VALLEY BANCORP

* 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 March 17, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control Notice by MVC Private 

Equity Fund, L.P., Purchase, New York, to gain 

control of BNCCORP, Inc., Bismarck, North 

Dakota, and thereby indirectly gain control of 

BNC National Bank, Glendale, Arizona.

BNCCORP, INC.

Newspaper:

Federal Register:

CIC 03/25/2012

03/23/2012

Change in Control Notice by the Erick A. 

Gandrud Irrevocable Trust, Glenwood, 

Minnesota (John R. Gandrud, Trustee), and The 

John R. Gandrud Irrevocable Trust, Glenwood, 

Minnesota (Erick A. Gandrud, Trustee), to retain 

25% or more of the shares of Eagle Investment 

Company, Inc., Glenwood, Minnesota, and 

thereby indirectly retain control of Eagle Bank, 

Glenwood, Minnesota. Additionally, the Erick 

A. Gandrud Trust and Trustee, and the John R. 

Gandrud Trust and Trustee, propose to join the 

Gandrud Family Group which controls 25% or 

more of Eagle Investment Company, Glenwood, 

Minnesota.

EAGLE INVESTMENT 

COMPANY, INC.

Newspaper:

Federal Register:

CIC 03/30/2012

03/23/2012

Change in Control Notice by Daniel Eugene 

Bergee and Dale VanHavermaet, as proposed 

Co-Trustees, Hawley, Minnesota, to gain 

control of State Bank of Hawley Employee Stock 

Ownership Plan & Trust (ESOP), and thereby 

indirectly gain control of Bankshares of Hawley, 

Inc., and its wholly-owned subsidiary, State 

Bank of Hawley, Hawley, Minnesota, both of 

Hawley, Minnesota.

STATE BANK OF HAWLEY 

EMPLOYEE STOCK OWNERSHIP 

PLAN & TRUST

* 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 March 17, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/03/2012

Notice by William Bradley Giblet and Lita Giblet, 

both of Hydro, Oklahoma, and Gaylon Vogt, 

Weatherford, Oklahoma, to acquire control of 

Ryan Bancshares, Inc., parent of The First State 

Bank, both in Ryan, Oklahoma.

RYAN BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

04/04/2012

Notice by Amos Kendall Bass III Revocable 

Trust, Rebecca Sue Bass Revocable Trust, and 

Rebecca Sue Bass, McAlester, Oklahoma, as 

trustee, to acquire control of Wilburton State 

Bancshares, Inc., parent of Wilburton State 

Bank, both in Wilburton, Oklahoma.

WILBURTON STATE 

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

 315357 ST MARYS ST BK, SAINT MARYS, KANSAS 12/12/2011 03/08/2012 S Small Bank

 382256 STANTON ST BK, STANTON, NEBRASKA 12/05/2011 03/01/2012 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending March 17, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/21/2012

Mission-Heights Capital, Ltd., Houston, Texas, 

and Mission-Heights, LLC, Houston, Texas, 

general partner; and Charles Robert Miller, Jr., 

Odem, Texas, individually, intend to apply to 

the Federal Reserve Board for permission to 

acquire 25 percent or more of the shares of 

Odem Bancshares, Inc., Odem, Texas, and 

thereby indirectly obtain control of First State 

Bank of Odem, Odem, Texas., in association 

with a request by Mission-Heights Capital, Ltd., 

to be treated as a Qualified Family Partnership 

(QFP).

ODEM BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

03/16/2012

Notice by Mr. Jimmy Enriquez, of The 

Woodlands, Texas individually and as trustee 

for JE Trust No. 2, The Woodlands, Texas to 

acquire 100 percent of the shares and thereby 

control of Uvalde Bancshares, Inc., Dover, 

Delaware, and indirectly Uvalde National Bank, 

Uvalde, Texas.

UVALDE 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 17, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8 02/21/2012

First PacTrust Bancorp, Inc., Chula Vista, 

California, to become a bank holding company 

by acquiring 100 percent of Beach Business 

Bank, Manhattan Beach, California, pursuant to 

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

100 percent control of Pacific Trust Bank, 

fsb,Chula Vista, California, and thereby engage 

in operating a nonbank thrift subsidiary, 

pursuant to section 225.28(b)(4) of Regulation 

Y.

FIRST PACTRUST BANCORP, 

INC.

* 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