Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 31 

Week Ending August 4, 2012

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

Tri-Party Repo Market -- statement by Matthew J. Eichner, deputy director, Division 

of Research and Statistics, before a subcommittee of the Senate Committee on 

Banking, Housing, and Urban Affairs regarding the tri-party repo market.

- Published, August 2, 2012

Bank Holding Companies

BB&T Corporation, Winston-Salem, North Carolina -- to acquire BankAtlantic, Fort 

Lauderdale, Florida, a federal savings bank.

- Approved, July 30, 2012

Forms

Forms -- final Board review to extend without revision the Report of Transaction 

Accounts, Other Deposits and Vault Cash (FR 2900), Annual Report of Deposits and 

Reservable Liabilities (FR 2910a), Report of Foreign (Non-U.S.) Currency Deposits 

(FR 2915), Allocation of Low Reserve Tranche and Reservable Liabilities 

Exemption (FR 2930), Supervisory and Regulatory Survey (FR 3052), and Consumer 

Financial Stability Surveys (FR 3053).

- Approved, July 29, 2012

Regulations and Policies

Foreclosure Review -- interagency extension of the deadline for borrowers to request 

a free foreclosure review to December 31, 2012.

- Announced, August 2, 2012

H.2 Board Actions July 29, 2012 to August 4, 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

July 29, 2012 to August 4, 2012

MA Monetary Affairs

Bank Branches, Domestic

Middleburg Bank, Middleburg, Virginia -- to establish a branch at 315 Libbie 

Avenue, Richmond.

Richmond

- Approved, July 30, 2012

Bank Holding Companies

Heartland Bancorp, Inc., Bloomington, Illinois -- to acquire Farmer City State Bank, 

Farmer City.

Chicago

- Approved, July 30, 2012

Banks, Nonmember, and Miscellaneous Institutions

Warburg Pincus LLC, New York, New York, et al. -- modification of commitments.

Director, BS&R

- Granted, August 3, 2012

Change in Bank Control

First Bancshares, Inc., Kansas City, Kansas -- change in bank control of First 

Bancshares, Inc., and its subsidiary bank, The First State Bank of Kansas City, 

Kansas City.

Kansas City

- Permitted, August 2, 2012

(A/C) = Addition or Correction Delegated - 1 of 2
Change in Bank Control

First State Bank Holding Company, Lynnville, Iowa -- to retain control of First State 

Bank Holding Company and its subsidiary bank, First State Bank, Lynnville.

Chicago

- Permitted, August 3, 2012

Mackinac Financial Corporation, Manistique, Michigan -- change in bank control of 

Mackinac Financial Corporation and its subsidiary bank, mBank, Manistique.

Minneapolis

- Permitted, August 2, 2012

TriState Capital Holdings, Inc., Pittsburgh, Pennsylvania -- change in bank control of 

TriState Capital Holdings and its subsidiary bank, TriState Capital Bank, Pittsburgh.

Cleveland

- Permitted, August 1, 2012

Extensions of Time

Platinum Bank Holding Company, Brandon, Florida -- extension to August 2, 2012, 

to become a bank holding company by acquiring Platinum Bank, Brandon.

Atlanta

- Granted, July 30, 2012

H.2 Actions under delegated authority July 29, 2012 to August 4, 2012

(A/C) = Addition or Correction Delegated - 2 of 2
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending August 4, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/10/2012

Notification by Investors of America LP to 

retain 10% or more of the outstanding shares of 

the common stock of Hampden Bancorp, Inc., 

Springfield, Massachusetts, the holding 

company for Hampden Bank, Springfield, 

Massachusetts, pursuant to the Change in 

Bank Control Act of 1978.

HAMPDEN BANCORP, INC.

Newspaper:

Federal Register:

* 3A5 Not available

* 3A3 07/30/2012

Application by Independent Bank Corp, 

Rockland, Massachusetts, to acquire Central 

Bancorp, Inc. and its subsidiary bank, Central 

Co-operative Bank, both of Somerville, 

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

and 3(a)(5) of the Bank Holding Company Act 

of 1956, as amended.

INDEPENDENT BANK CORP.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Filing by State Street Bank and Trust Company, 

Boston, Massachusetts (SSBT) to invest up to 

an additional $350 million in its Edge and 

Agreement corporation subsidiaries pursuant to 

Section 211.5(h) of Regulation K and to provide 

Prior Notice pursuant to Section 211.9(f) of 

Regulation K for SSBT and its Edge subsidiary, 

State Street International Holdings, Boston, 

Massachusetts, to invest in two new 

subsidiaries in the Cayman Islands and Ireland 

in excess of the single entity investment limits in 

connection with the acquisition of Goldman 

Sachs Administration Services.

STATE STREET BANK AND 

TRUST COMPANY

* 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 August 4, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

NongHyup Bank, Seoul, Korea, to establish a 

branch in New York, New York, pursuant to 

Section 211.24 of Regulation K.

NONGHYUP BANK

Newspaper:

Federal Register:

* 3A3 Not available

08/31/2012

Oriental Financial Group Inc, San Juan, Puerto 

Rico, to acquire 100 percent of BBVAPR 

Holding Corporation, San Juan, Puerto Rico and 

thereby indirectly acquire Banco Bilbao Vizcaya 

Argentaria Puerto Rico, San Juan, Puerto Rico.

ORIENTAL FINANCIAL GROUP 

INC.

Newspaper:

Federal Register:

4c8 Not applicable

08/17/2012

Westpac Banking Corporation, Sydney, 

Australia, to engage de novo through Westpac 

Capital Markets LLC, New York, New York in 

securities brokerage and riskless principal 

transactions, pursuant to Sections 225.28(b)(7)

(i) and 225.28(b)(ii) of Regulation Y.

WESTPAC BANKING 

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 August 4, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* MHC 

Conversion

* SLHC 

Formation

07/16/2012

07/09/2012

Northfield Bancorp, MHC, Staten Island, NY, 

proposes to convert to stock form and merge 

with and into Northfield Bancorp, Inc, 

Woodbridge, New Jersey, which proposes to 

become a savings and loan holding company by 

acquiring Northfield Bank, Staten Island, NY.

NORTHFIELD BANCORP, INC

Newspaper:

Federal Register:

CIC Not available

09/21/2011

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

Financial Partners, L.P., Patriot Financial 

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

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

Patriot Financial Manager, LLC. and Messrs. Ira 

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

all of Philadelphia, Pennsylvania, to purchase 

up to 24.9 percent of Porter Bancorp, Inc., 

Louisville, KY.

PATRIOT FINANCIAL 

PARTNERS LP

* 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 August 4, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice of Change of Control by Bank 

Opportunity Fund, LLC; Bank Opportunity 

Advisors LLC; and Bank Acquisitions LLC, 

Washington, D.C. to acquire up to 24.99% of 

Middlefield Banc Corp., Middlefield, Ohio.

Bank Opportunity Fund LLC

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Heartland Bank, Gahanna, OH request for 

permission to exceed its investment in premises 

limit as permitted under Section 24A of the 

Federal Reserve Act.

HEARTLAND BANK

* 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 August 4, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

CFG Community Bank, Towson, Maryland, to 

establish a branch at 1615 Thames Street, 

Baltimore, Maryland

CFG COMMUNITY BANK

Newspaper:

Federal Register:

* 3A5 08/27/2012

08/27/2012

WashingtonFirst Bankshares, Inc., Reston, 

Virginia, to acquire 100% of the voting 

securities of Alliance Bankshares, Inc., 

Chantilly, Virginia, and thereby indirectly 

acquire Alliance Bank Corporation, Fairfax, 

Virginia.

WASHINGTONFIRST 

BANKSHARES, 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 August 4, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

River Financial Corporation, notice to become a 

bank holding company by acquiring 100 percent 

of the outstanding shares of River Bank & 

Trust, both of Prattville, Alabama.

RIVER FINANCIAL 

CORPORATION

* 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 August 4, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

C-B-G, Inc., West Liberty, Iowa, to acquire up to 

$200,000 more of additional shares and increase 

its ownership up to 50.01 percent of 

Washington Bancorp, Washington, Iowa, and 

thereby increase it's indirect interest in 

Washington Bancorp's subsidiary, Federation 

Bank, Washington, Iowa.

C-B-G, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Chemical Bank, Midland, Michigan, to purchase 

the assets and assume the liabilities of 21 

branches of Independent Bank, Ionia, Michigan, 

and thereby establish 21 branches.

CHEMICAL BANK

Newspaper:

Federal Register:

* MHC Not available

Conversion

* SLHC 

Formation

07/20/2012

LaPorte Savings Bank, MHC, La Porte, Indiana, 

a mutual holding company, proposes to convert 

to stock form and merge with LaPorte Bancorp, 

Inc., an existing savings and loan holding 

company. The existing LaPorte Bancorp, Inc., 

will merge with a new company, also called 

LaPorte Bancorp, Inc., which will become a 

savings and loan holding company through the 

acquisition of 100 percent of the outstanding 

stock of The LaPorte Savings Bank, all of La 

Porte, Indiana.

LAPORTE SAVINGS BANK, MHC

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 August 4, 2012

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 August 4, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

MVC Private Equity Fund, LP, Purchase, NY; 

MVC GP II, LLC, Purchase, NY; MVC Financial 

Services, Inc., Purchase, NY; MVC Partners 

LLC, Purchase, NY; MVC Capital, Inc., 

Purchase, NY; The Tokarz Group Advisors LLC, 

Purchase, NY; Michael Tokarz, Purchase, NY; 

and James Pinto, Greenwich, CT (collectively 

"MVC"), intend to apply to the Federal Reserve 

Board for permission to acquire 24.76 percent of 

the shares of BNCCORP, Inc., Bismarck, ND. 

Additionally, MVC; Prairie Petroleum Inc., 

Denver, CO; Eugene Nicholas, Cando, ND; 

Timothy Dodd, Bismarck, ND; Jeffrey Topp, 

Grace City, ND; Janet Topp, Grace City, ND; 

Roger Kenner, Leeds, ND; Bradley Fey, 

Bismarck, ND; and William Coleman, Denver, 

CO, as a group acting in concert intend 

collectively to acquire more than 25 percent of 

BNCCORP, Inc., and thereby acquire BNC 

National Bank, Glendale, Arizona.

BNCCORP, 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 August 4, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

* 3A1

08/17/2012

08/27/2012

Equity Bancshares, Inc., Wichita, Kansas, to 

acquire, through its subsidiary EBI Acquisition 

IV, Inc., Wichita, Kansas, 100 percent of the 

voting shares of First Community Bancshares, 

Inc., Overland Park, Kansas, parent of First 

Community Bank, Lee's Summit, Missouri. 

Immediately thereafter, EBI Acquisition IV, Inc., 

Wichita, Kansas, will merge into First 

Community Bancshares, Inc., Overland Park, 

Kansas. Equity Bank, Andover, Kansas, to 

merge with First Community Bank, Lee's Summit, 

Missouri, and incident thereto, to establish 16 

branches: Sweet Springs, Windsor, 

Warrensburg North, Warrenburg South, 

Sedalia, Clinton, Warsaw Truman Hills, Warsaw 

Downtown, Knob Noster, Lee's Summit West, 

Lee's Summit, Higginsville Highway, 

Higginsville Downtown, Overland Park, Desoto, 

and Kansas City Tuileries.

EQUITY BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Equity Bank, Andover, Kansas, to merge with 08/19/2012

Signature Bank, Haddam, Kansas, and incident 

thereto, to establish a branch.

EQUITY BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Equity Bank, Andover, Kansas, to merge with 

First Community Bank, Lee's Summit, Missouri, 

and incident thereto, to establish 16 branches: 

Sweet Springs, Windsor, Warrensburg North, 

Warrenburg South, Sedalia, Clinton, Warsaw 

Truman Hills, Warsaw Downtown, Knob 

Noster, Lee's Summit West, Lee's Summit, 

Higginsville Highway, Higginsville Downtown, 

Overland Park, Desoto, and Kansas City 

Tuileries.

EQUITY BANK

Newspaper:

Federal Register:

CIC Not available

07/30/2012

Notice by High Plains Banking Group, Inc. 

KSOP, Flagler, Colorado; Thomas Creighton, Jr., 

Denver, Colorado, individually and as trustee of 

High Plains Banking Group, Inc. KSOP; Lucy 

Loomis, Denver, Colorado; John and Johnita 

Creighton, Longmont, Colorado; Virginia 

Newton, Snowmass, Colorado; Ann Creighton, 

Sammamish, Washington; and Lavina 

Creighton, Atwood, Kansas, all to become 

members of the Creighton Family Group, to 

acquire control of High Plains Banking Group, 

Inc., parent of High Plains Bank, both in Flagler, 

Colorado. High Plains Banking Group, Inc., 

Flagler, Colorado, to redeem 19.4 percent of its 

outstanding common stock.

HIGH PLAINS BANKING GROUP, 

INC.

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

Federal Reserve Bank of Kansas City

Filings received during the week ending August 4, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5 08/27/2012

Main Banc, Inc., to acquire 100 percent of the 

voting shares of Bank 1st Financial Corporation, 

parent of Bank 1st, all of Albuquerque, New 

Mexico. Bank 1st Financial Corporation will 

merge with and into Main Banc, Inc., and 

shortly thereafter, Bank 1st will merge with Main 

Bank, a wholly-owned subsidiary of Main Banc, 

Inc.

MAIN BANC, INC.

Newspaper:

Federal Register:

* 3A1 08/10/2012

08/24/2012

Tri-County Financial Corporation, to become a 

bank holding company through the acquisition 

of 100 percent of the outstanding voting shares 

of The Bank of Commerce and Trust Company, 

both in Wellington, Kansas.

TRI-COUNTY FINANCIAL 

CORPORATION

* 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 August 4, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/17/2012

A.N.B. Holding Company, Ltd., Terrell, Texas, to 

acquire additional shares up to 34% of The 

ANB Corporation, Terrell, Texas, and indirectly 

acquire The American National Bank of Texas, 

Terrell, Texas; Lakeside Bancshares, Inc., 

Rockwall, Texas; and Lakeside National Bank, 

Rockwall, Texas.

A.N.B. HOLDING COMPANY, 

LTD.

Newspaper:

Federal Register:

* 3A5 08/23/2012

08/24/2012

Independent Bank Group, Inc., McKinney, 

Texas, to acquire by merger 100 percent of 

Community Group, Inc., and indirectly acquire 

United Community Bank, National Association, 

both of Highland Village, Texas.

INDEPENDENT BANK GROUP, 

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

LegacyTexas Bank, Plano, Texas, to establish a 08/09/2012

branch to be located at 2101 Cedar Springs 

Road, Dallas, Texas 75201.

LEGACYTEXAS BANK

* 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 August 4, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

07/26/2012

First PacTrust Bancorp, Inc., Irvine, California, 

to merge with Gateway Bancorp, Santa Ana, 

California, with First PacTrust Bancorp, Inc., 

surviving and thereby indirectly acquire 

Gateway Business Bank, Cerritos, California.

FIRST PACTRUST BANCORP, 

INC.

Newspaper:

Federal Register:

Foreign Branch Not applicable

Not applicable

Wells Fargo & Company, San Francisco, 

California, to establish a foreign branch in the 

Dubai International Financial Centre, Dubai, 

United Arab Emirates, through Bancorp's lead 

bank, Wells Fargo Bank, NA, Sioux Falls, South 

Dakota, pursuant to Section 211.3(b)(3) of 

Regulation K.

WELLS FARGO & COMPANY

* 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