Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks;

Applications and Reports Received

No. 49

Week Ending December 7, 2013

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

Ameris Bancorp, Moultrie, Georgia -- to acquire The Prosperity Banking Company,

St. Augustine, Florida, and thereby acquire Prosperity Bank (FRB Order No.

 2013-12).

- Approved, December 5, 2013

Forms

Forms -- initial Board review (1) to extend with revision the Financial Statements of

U.S. Nonbank Subsidiaries of U.S. Holding Companies (FR Y-11), Abbreviated

Financial Statements of U.S. Nonbank Subsidiaries of U.S. Holding Companies

(FR Y-11S), Financial Statements of Foreign Subsidiaries of U.S. Banking

Organizations (FR 2314), Abbreviated Financial Statements of Foreign Subsidiaries

of U.S. Banking Organizations (FR 2314S), Financial Statements of U.S. Nonbank

Subsidiaries Held by Foreign Banking Organizations (FR Y-7N), and Abbreviated

Financial Statements of U.S. Nonbank Subsidiaries Held by Foreign Banking

Organizations (FR Y-7NS) and (2) to extend without revision the Consolidated

Report of Condition and Income for Edge and Agreement Corporations (FR 2886b).

- Proposed, December 2, 2013

Forms -- initial Board review to implement the Surveys of Consumer and

Community Affairs Publications and Resources (FR 1378) and Consumer and

Stakeholder Surveys (FR 3073).

- Proposed, December 5, 2013

Regulations and Policies

Bank Secrecy Act Rules -- final interagency amendments to the definitions of "funds

transfer" and "transmittal of funds" in the regulations implementing the Bank Secrecy

Act.

- Announced, December 3, 2013

H.2 Board Actions December 1, 2013 to December 7, 2013

(A/C) = Addition or Correction Board - Page 1 of 2
Regulations and Policies

Market Risk Capital Rule -- (1) final rule to align the treatment of certain items under

the Board's current market risk capital rule with the treatment under the Basel III

revised capital framework and (2) technical modifications to the revised capital

framework.

- Approved, December 3, 2013

Regulation HH (Designated Financial Market Utilities) -- final amendments to

authorize the Federal Reserve Banks to open accounts for and provide financial

services to financial market utilities that are designated as systemically important by

the Financial Stability Oversight Council, in accordance with the Dodd-Frank Act.

- Approved, December 2, 2013

Enforcement

Parkway Bancorp, Inc., Harwood Heights, Illinois -- written agreement dated

October 21, 2011, terminated November 27, 2013.

- Announced, December 3, 2013

PathFinder Bancorp MHC, Oswego, New York, and PathFinder Bancorp, Inc. --

supervisory agreement, issued by the Office of Thrift Supervision, dated May 28,

2009, terminated November 26, 2013.

- Announced, December 5, 2013

Peoples, Inc., Lawrence, Kansas, and Peoples Bank -- written agreement dated

January 27, 2010, terminated November 27, 2013.

- Announced, December 3, 2013

H.2 Board Actions December 1, 2013 to December 7, 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

December 1, 2013 to December 7, 2013

MA Monetary Affairs

Bank Branches, Domestic

The First Bank and Trust Company, Lebanon, Virginia -- to establish a branch at

7305 Peppers Ferry Boulevard, Fairlawn.

Richmond

- Approved, December 5, 2013

Bank Holding Companies

Abdo Investments, Inc., Edina, Minnesota -- to increase its ownership in Rivers

Ridge Holding Company, Edina, and its subsidiary, BankVista, Sartell.

Minneapolis

- Approved, December 3, 2013

Adams Dairy Bancshares, Inc., Blue Springs, Missouri -- to become a bank holding

company by acquiring Adams Dairy Bank, Blue Springs.

Kansas City

- Approved, December 2, 2013

Cardinal Financial Corporation, McLean, Virginia -- to acquire United Financial

Banking Companies, Inc., Vienna, and thereby indirectly acquire The Business Bank.

Richmond

- Approved, December 6, 2013

Central Texas Financial Corp., Cameron, Texas -- to engage in lending activities.

Dallas

- Approved, December 2, 2013

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

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

BCSB Bancorp, Inc., Baltimore, Maryland, in connection with the merger of their

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

Baltimore County Savings Bank, Baltimore.

Cleveland

- Granted, December 4, 2013

Independent Bancshares, Inc., Clarkfield, Minnesota -- to acquire The Citizens State

Bank of Olivia, Olivia.

Minneapolis

- Approved, December 6, 2013

Southern Community Bancshares, Inc. Employee Stock Ownership Plan, Cullman,

Alabama -- to increase its ownership of Southern Community Bancshares, Inc.,

Cullman, and thereby increase its indirect ownership of First Community Bank of

Cullman.

Atlanta

- Approved, December 3, 2013

Bank Mergers

Hinsdale Bank & Trust Company, Hinsdale, Illinois -- to purchase the assets and

assume the liabilities of a branch of North Shore Community Bank & Trust

Company, Wilmette, and continue to operate a branch at 501 West Lake Street,

Elmhurst.

Chicago

- Approved, December 4, 2013

H.2 Actions under delegated authority December 1, 2013 to December 7, 2013

(A/C) = Addition or Correction Delegated - 2 of 4
Banks, State Member

Regions Bank, Birmingham, Alabama -- to make certain public welfare investments.

Director, BS&R

- Approved, December 2, 2013

Change in Bank Control

First Broken Arrow Corporation, Broken Arrow, Oklahoma -- to retain control of

First Broken Arrow Corporation and its subsidiary, First National Bank and Trust

Company of Broken Arrow, Broken Arrow.

Kansas City

- Permitted, December 3, 2013

First Coweta Corporation, Coweta, Oklahoma -- to retain control of First Coweta

Corporation and its subsidiary, The First National Bank of Coweta, Coweta.

Kansas City

- Permitted, December 6, 2013

Home Federal Bancorp, Inc. of Louisiana, Shreveport, Louisiana -- change in bank

control of Home Federal Bancorp and its subsidiary, Home Federal Bank,

Shreveport.

Dallas

- Permitted, December 5, 2013

Kathryn R. Ryan 2007 GST Exempt Family Trust, Oklahoma City, Oklahoma --

change in bank control of Kathryn R. Ryan 2007 GST Exempt Family Trust and its

subsidiary, MidFirst Bank, Oklahoma City.

Kansas City

- Permitted, December 3, 2013

H.2 Actions under delegated authority December 1, 2013 to December 7, 2013

(A/C) = Addition or Correction Delegated - 3 of 4
Change in Bank Control

Kathryn R. Ryan 2007 Non-exempt Family Trust, Oklahoma City, Oklahoma --

change in bank control of Kathryn R. Ryan 2007 Non-Exempt Family Trust and its

subsidiary, MidFirst Bank, Oklahoma City.

Kansas City

- Permitted, December 3, 2013

Mansfield Bancshares, Inc., Mansfield, Louisiana -- change in bank control of

Mansfield Bancshares and its subsidiary, Community Bank of Louisiana, Mansfield.

Dallas

- Permitted, December 2, 2013

Membership

Diamond Bank, Murfreesboro, Arkansas -- to become a member of the Federal

Reserve System.

St. Louis

- Approved, December 6, 2013

First State Bank, Gainesville, Texas -- to become a member of the Federal Reserve

System.

Dallas

- Approved, December 6, 2013

Texas Community Bank, National Association, Laredo, Texas -- to retain

membership in the Federal Reserve System on conversion from a national to a state

charter.

Dallas

- Approved, December 3, 2013

H.2 Actions under delegated authority December 1, 2013 to December 7, 2013

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

Federal Reserve Bank of Boston

Filings received during the week ending December 7, 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 December 7, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

PWI Not applicable

Not applicable

Manufacturers and Traders Trust Company, 

Buffalo, New York, seeks prior approval for a 

public welfare investment.

MANUFACTURERS AND 

TRADERS TRUST COMPANY

Newspaper:

Federal Register:

PWI Not applicable

Not applicable

Manufacturers and Traders Trust Company, 

Buffalo, New York, seeks prior approval for a 

public welfare investment.

MANUFACTURERS AND 

TRADERS TRUST COMPANY

Newspaper:

Federal Register:

PWI Not applicable

Not applicable

Manufacturers and Traders Trust Company, 

Buffalo, New York, seeks prior approval for a 

public welfare investment.

MANUFACTURERS AND 

TRADERS TRUST COMPANY

Newspaper:

Federal Register:

PWI Not applicable

Not applicable

Manufacturers and Traders Trust Company, 

Buffalo, New York, seeks prior approval for a 

public welfare investment.

MANUFACTURERS AND 

TRADERS TRUST COMPANY

Newspaper:

Federal Register:

PWI Not applicable

Not applicable

Manufacturers and Traders Trust Company, 

Buffalo, New York, seeks prior approval for a 

public welfare investment.

MANUFACTURERS AND 

TRADERS TRUST COMPANY

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending December 7, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* MHC 

Conversion

* SLHC 

Formation

12/30/2013

01/02/2014

Clifton MHC, Clifton, NJ, proposes to convert 

to stock form and merge with and into Clifton 

Bancorp, Inc., Clifton, NJ, which proposes to 

become a savings and loan holding company by 

acquiring Clifton Savings Bank, Clifton, NJ.

CLIFTON MHC

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending December 7, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Fifth Third Bank, Cincinnati, OH 12/12/2013

to establish a temporary branch at the Octagon 

Ace Group Classic, 11330 Twin Eagles 

Boulevard, Naples, FL to operate between 

02/10/2014 and 02/16/2014.

FIFTH THIRD 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 December 7, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Union First Market Bank, Richmond, Virginia, to 12/22/2013

acquire certain assets and assume certain 

liabilities of the 9605 Gayton Road branch of 

StellarOne Bank, Christiansburg, Virginia.

UNION FIRST MARKET BANK

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending December 7, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

08/08/2013

Banco De Credito E Inversiones, Empresas Juan 

Yarur S.A.C., Inversiones Petro S.A., 

Inversiones Baquio LTDA., Inversiones Nueve 

LTDA., and Administraciones Baquio LTDA., 

all of Santiago, Chile, to become bank holding 

companies by acquiring 100 percent of CM 

Florida Holdings, Inc., Coral Gables, Florida, and 

its subsidiary, City National Bank of Florida, 

Miami, Florida.

BANCO DE CREDITO E 

INVERSIONES S.A.

Newspaper:

Federal Register:

CIC Not available

11/26/2013

After-the-fact change in control notice filed by 

Ben F. Easterlin IV and Tommye B. Easterlin, 

both of Atlanta, Georgia, to retain 27.63 percent 

of the outstanding shares of CBA Bankshares, 

Inc., and Citizens Bank of Americus, both of 

Americus, Georgia.

CBA BANKSHARES, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Franklin Synergy Bank, Franklin, Tennessee, to 

establish a branch located at 2035 Wall Street, 

Spring Hill, Tennessee.

FRANKLIN SYNERGY BANK

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

NCG Banco, S.A., A Coruna, Spain, to establish 

an international representative-administrative 

office located in Miami, Florida.

NCG BANCO, S.A.

Newspaper:

Federal Register:

* 3A5 Not available

12/13/2013

South Georgia Bank Holding Company, Omega, 

Georgia, to merge with Dooly Bancshares, Inc., 

and thereby acquire its subsidiary, Bank of 

Dooly both of Vienna, Georgia.

SOUTH GEORGIA BANK 

HOLDING COMPANY

Newspaper:

Federal Register:

CIC 12/21/2013

12/13/2013

After the fact change in control notice filed by 

James Brian Ponder, Melissa Kay Ponder, 

Kenneth Earl Ponder, June Sumner Ponder, 

Beverly Ponder Paulk, all of Tifton, Georgia, as 

well as Marlyn Jones Ponder and Earline 

Ponder, individually and as trustee for April 

Farron Paulk Trust, Jessica Shannon Paulk 

Trust, Cyrus Jones Ponder Trust, Marilyn 

Elisabeth Ponder Trust, Victoria Lorriane Ponder 

Trust, Ponder-Tolbert Trust No.II, Ona Tolbert 

Family Trust, Earl Tolbert Family Trust, Ona 

Tolbert Family Trust No.II, all of Omega, 

Georgia, to collectively retain 11.4 percent of the 

outstanding voting shares of common stock of 

South Georgia Bank Holding Company, and its 

subsidiary, South Georgia Banking Company, 

both of Omega, Georgia.

SOUTH GEORGIA BANK 

HOLDING COMPANY

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending December 7, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

James R. Kennedy, Jr, Dubuque, Iowa, as 

trustee of the Kennedy Control Trust, Dubuque, 

Iowa, to acquire control and for the Kennedy 

Control Trust to join the Kennedy Family Group 

consisting of: Sarah A. Roby, Cumming, Iowa; 

Catherine E. Roby, Cumming, Iowa; Susan M. 

Kennedy, West Des Moines, Iowa; Jessica L. 

Kennedy, West, Des Moines, Iowa; Joseph J. 

Kennedy, Robins, Iowa; Ellen M. Kennedy, 

Robins, Iowa; Sean J. Kennedy, Robins, Iowa; 

Thomas J. Kennedy, Robins, Iowa; Daniel J. 

Kennedy, Marion, Iowa; Erica R. Kennedy, 

Dyersville, Iowa; and Adam H. Kennedy, 

Dyersville, Iowa, to retain control of more than 

25 percent of the outstanding voting stock of 

Fidelity Company, Dubuque, Iowa, and thereby 

to indirectly control Fidelity Bank & Trust, 

Dubuque, Iowa, and Community State Bank, 

Tipton, Iowa.

FIDELITY COMPANY

Newspaper:

Federal Register:

Member Not applicable

Not applicable

The First National Bank of Logan (to be known 

as Logan State Bank), Logan, Iowa, for 

membership in the Federal Reserve System.

FIRST NATIONAL BANK OF 

LOGAN, THE

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Lake Forest Bank & Trust Company, Lake 

Forest, Illinois, to purchase the assets and 

assume the liabilities of a branch, and will 

continue to operate a branch, located at 4 East 

Scranton Avenue, Lake Bluff, Illinois; from 

Baytree National Bank & Trust Company, Lake 

Forest, Illinois.

LAKE FOREST BANK & TRUST 

COMPANY

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending December 7, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 12/27/2013

01/02/2014

First Security Bancorp, Searcy, Arkansas, to 

increase its ownership in CrossFirst Holdings, 

LLc, Leawood, Kansas, from 9.18% to 9.90% 

though the purchase of 58,000 additional 

common member units.

FIRST SECURITY BANCORP

Newspaper:

Federal Register:

* MHC Not available

Conversion Not available

Sugar Creek MHC, a federally chartered mutual 

holding company, to convert to stock form and 

merge with Sugar Creek Financial Corp., a 

federal corporation, both of Trenton, Illinois. 

Sugar Creek Financial Corp. will be merged into 

a newly formed Maryland corporation also 

named Sugar Creek Financial Corp., which 

proposes to become a savings and loan holding 

company by acquiring 100 percent of the voting 

shares of Tempo Bank, a federal savings bank, 

Trenton, Illinois.

SUGAR CREEK MHC

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending December 7, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

12/13/2013

The James M. and Devon J. Goetz Family Trust 

Five, Mandan, North Dakota, to acquire 25 

percent or more of the shares of Oliver 

Bancorporation, Inc., Center, North Dakota, and 

thereby indirectly gain control of Security First 

Bank of North Dakota, New Salem, North 

Dakota.

OLIVER BANCORPORATION, 

INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending December 7, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

12/23/2013

Citizens National Corporation, Wisner, 

Nebraska, to acquire 100 percent of the voting 

shares of Cass County State Company, parent 

of Cass County Bank, Inc.

CITIZENS NATIONAL 

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Commerce Bank, Kansas City, Missouri, to 12/18/2013

establish a branch at 9501 Antioch Road, 

Overland Park, Kansas.

COMMERCE BANK

Newspaper:

Federal Register:

Member Not applicable

Not applicable

The First National Bank of Wahoo, Wahoo, 

Nebraska, to retain its membership in the 

Federal Reserve System following its 

conversion from a national to a state charter.

FIRST NATIONAL BANK OF 

WAHOO, THE

Newspaper:

Federal Register:

* Branch

Not applicable

FirstBank, Lakewood, Colorado, to establish a 12/18/2013

branch at 100 South College Avenue, Fort 

Collins, Colorado.

FIRSTBANK

Newspaper:

Federal Register:

* 3A1 12/28/2013

12/30/2013

Grand Bancorp, Inc., Grove, Oklahoma, to 

become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Grand Savings Bank, Grove, Oklahoma.

GRAND BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 12/20/2013

12/23/2013

Plains Bancshares, Inc., Plains, Kansas, to 

become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Plains State Bank, Plains, Kansas.

PLAINS BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

12/26/2013

Bill J. Gotch, Myrna F. Gotch, Jennifer L. Gotch, 

and Brett J. Gotch, all of South Sioux City, 

Nebraska, to acquire voting shares of Siouxland 

National Corporation, and thereby indirectly 

acquire voting shares of Siouxland National 

Bank, both in South Sioux City, Nebraska.

SIOUXLAND NATIONAL 

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 December 7, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

12/16/2013

Cistern, LLC and Flatonia Investments, LLC, 

both of Houston, Texas, to become bank 

holding companies by acquiring 100% of The 

Columbia Savings Bank, Cincinnati, Ohio.

CISTERN, LLC

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Frost Bank, San Antonio, Texas, to establish a 

branch located at 12700 Hill Country Blvd., Suite 

150, Bee Cave, Texas 78738.

FROST BANK

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Mesa Financial Corporation, Sweetwater, Texas, 

to acquire 100 percent of South Taylor County 

Bancshares, Inc., and thereby indirectly acquire 

100 percent of the outstanding shares of First 

State Bank in Tuscola, both in Tuscola, Texas.

MESA FINANCIAL 

CORPORATION

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending December 7, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

12/30/2013

Carpenter Bank Partners, Inc, CCFW, Inc, dba 

Carpenter & Company, Carpenter Fund 

Manager GP, LLC, Carpenter Fund Management 

Company, LLC, Carpenter Community 

BancFund, L.P., Carpenter Community 

BancFund-A, L.P., and Carpenter Community 

BancFund-CA, L.P., all of Irvine, California, to 

acquire 18.1 percent of Heritage Oaks Bancorp 

and thereby indirectly acquire Heritage Oaks 

Bank, both of Paso Robles, California.

CARPENTER BANK PARTNERS, 

INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Bank Control Notice by The Ricco 

Lagomarsino Testamentary Trust, Daly City, 

California, and a group consisting of Lisa 

Angelot, Enrico P. Togneri, Warren Hutchins, T. 

Anne Lassahn, (Trustees of the Trust), and 

Dolores Togneri, Lora Angelot, and Eric 

Angelot, all of Daly City, California, to retain in 

excess of 10 percent of FNB Bancorp and 

thereby indirect control of First National Bank 

of Northern California, both of South San 

Francisco, California.

FNB BANCORP

Newspaper:

Federal Register:

CIC 10/25/2013

10/24/2013

1) Change in Bank Control Notice by Alex 

Meruelo, Newport Coast, California, to acquire 

up to 89 percent of NCAL Bancorp, and thereby 

indirectly acquire National Bank of California, 

both of Los Angeles, California and 2) Notices 

by NCAL Bancorp, Los Angeles, California, to 

appoint Alex Meruelo, Luis Alberto Armona, 

Xavier Alvarez Gutierrez and Ashokkumar R. 

Patel as Directors.

NCAL BANCORP

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Taipei Fubon Commercial Bank Co., Ltd, Taipei, 

Taiwan, requests to establish a representative 

office in San Jose, California, pursuant to 

section 211.24(a)(1) of Regulation K.

TAIPEI FUBON COMMERCIAL 

BANK CO., LTD.

Newspaper:

Federal Register:

CIC Not available

12/26/2013

Change in Bank Control Notice on behalf of 

John Jung Hun Chang, Wellwish Investment 

LLC, Ellis Eunrok Chang, all of Garden Grove, 

California, and Ellen Eunmi Chang, Bellevue, 

Washington, to retain 18.43 percent of U & I 

Financial Corp., and thereby indirect control of 

UniBank, both of Lynnwood, Washington.

U & I FINANCIAL CORP.

* 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