Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 2 

Week Ending January 14, 2012

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

Division of Research and Statistics -- appointment of Matthew Eichner as deputy 

director.

- Announced, January 11, 2012

Office of Board Members -- appointment of Jon Faust as special adviser to the 

Board, effective January 17, 2012.

- Announced, January 13, 2012

Enforcement

Gold Canyon Bank, Gold Canyon, Arizona -- written agreement with the Federal 

Reserve Bank of San Francisco and the Arizona Department of Financial Institutions.

- Announced, January 10, 2012

H.2 Board Actions January 8, 2012 to January 14, 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

January 8, 2012 to January 14, 2012

MA Monetary Affairs

Bank Branches, Domestic

Comerica Bank, Dallas, Texas -- to establish a mobile branch at 23500 Cristo Rey 

Drive, Cupertino, California.

Dallas

- Approved, January 11, 2012

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a 

branch at 1966 Greenspring Drive, Timonium, Maryland.

New York

- Approved, January 13, 2012

Bank Holding Companies

First Mutual of Richmond, Inc., Richmond, Indiana, and Richmond Mutual Bancorp, 

Inc. -- to engage de novo in lending activities.

Chicago

- Approved, January 9, 2012

NBC Bancshares, LLC, Lincoln, Nebraska -- to acquire shares of Mountain View 

Bank of Commerce, Westminster, Colorado, and to retain shares of Nebraska Bank 

of Commerce, Lincoln, Nebraska, and thereby operate a savings association.

Kansas City

- Approved, January 13, 2012

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

Rockwall Bancshares, Inc., Rockwall, Texas -- to become a bank holding company 

and to acquire Northern Bancshares, Inc., Chillicothe, and thereby indirectly acquire 

The First National Bank of Chillicothe.

Dallas

- Withdrawn, January 12, 2012

Salem Five Bancorp, MHC, Salem, Massachusetts -- to acquire Stoneham Bancorp, 

MHC, Stoneham, and its subisidiary bank, Stoneham Savings Bank, and to establish 

Stoneham Properties, LLC.

Boston

- Approved, January 13, 2012

Stoneham Bancorp, MHC, Stoneham, Massachusetts -- to become a mutual bank 

holding company and to acquire Stoneham Savings Bank, Stoneham.

Boston

- Approved, January 13, 2012

Change in Bank Control

First Bemidji Holding Company, Bemidji, Minnesota -- change in bank control of 

First Bemidji and its subsdiary bank, The First National Bank of Bemidji, Bemidji.

Minneapolis

- Permitted, January 11, 2012

Leackco Bank Holding Company, Inc., Wolsey, South Dakota -- to retain control of 

Leackco and its subsidiary bank, American Bank & Trust, Wessington Springs.

Minneapolis

- Permitted, January 9, 2012

H.2 Actions under delegated authority January 8, 2012 to January 14, 2012

(A/C) = Addition or Correction Delegated - 2 of 4
Change in Bank Control

Riverland Bancorporation, Jordan, Minnesota -- change in bank control of Riverland 

and its subsidiary bank, Riverland Bank, Jordan.

Minneapolis

- Permitted, January 13, 2012

Extensions of Time

Alliance Bank Shares Corporation, Andover, Minnesota -- extension to April 15, 

2012, for change in bank control of Alliance and its subsidiary bank, 1st Regents 

Bank, Andover.

Minneapolis

- Granted, January 13, 2012

Minier Financial, Inc. Employee Stock Ownership Plan w/401(k) Provisions, Minier, 

Illinois -- extension to April 20, 2012, to increase its ownership of Minier Financial, 

Inc., Minier, and thereby increase its indirect ownership of First Farmers State Bank.

Chicago

- Granted, January 6, 2012

(A/C)

Santander Holdings USA, Inc., Boston, Massachusetts -- extension to April 14, 2012, 

to become a bank holding company on conversion of its subsidiary federal savings 

bank, Sovereign Bank, Wilmington, Delaware, to a national bank, and for Banco 

Santander, S.A., Boadilla del Monte Madrid, Spain, to retain control of Santander 

Holdings USA, Inc. and Sovereign upon this conversion.

New York

- Granted, January 13, 2012

H.2 Actions under delegated authority January 8, 2012 to January 14, 2012

(A/C) = Addition or Correction Delegated - 3 of 4
Savings and Loan Holding Companies

Allstate Corporation, Northbrook, Illinois -- request for an exemption under the 

Depository Institution Management Interlocks Act and Regulation LL.

General Counsel

- Granted, January 12, 2012

H.2 Actions under delegated authority January 8, 2012 to January 14, 2012

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

Federal Reserve Bank of Boston

Filings received during the week ending January 14, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Application by Reading Co-operative Bank, 

Reading, Massachusetts, to establish a full 

service branch location at 10 Wall Street, 

Burlington, Massachusetts, pursuant to Section 

208.6 of Regulation H.

READING CO-OPERATIVE BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Application by Reading Co-operative Bank, 

Reading, Massachusetts, to establish a full 

service branch location at 10-20 Central Street, 

Andover, Massachusetts, pursuant to Section 

208.6 of Regulation H.

READING CO-OPERATIVE BANK

* 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

 1008674 READING CO-OP BK, READING, MASSACHUSETTS 09/12/2011 12/17/2011 S Int Sm Bank

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 January 14, 2012

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 January 14, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

02/10/2012

Liberty Bell Bancorp, Inc., Marlton, NJ, to form a 

bank holding company by acquiring Liberty Bell 

Bank, Marlton, NJ.

LIBERTY BELL BANCORP, INC.

Newspaper:

Federal Register:

MHC Activity Not applicable

01/27/2012

Northeast Community Bancorp, MHC, White 

Plains, NY to establish an operating subsidiary, 

Northeast Insurance Agency, LLC, White 

Plains, NY, through its subsidiary Northeast 

Community Bank, (the "Bank"), White Plains, 

NY.

NORTHEAST COMMUNITY 

BANCORP, MHC

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 January 14, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 02/01/2012

01/31/2012

Interagency Notice of Change in Bank Control 

filed by The FFD Financial Corporation ESOP, 

Dover, Ohio , and Enos L. Loader, Richard A. 

Brinkman and Leonard L. Gundy, as individuals 

and in their capacities as Trustees of the ESOP, 

as well as Janet K. Loader and Rebecca J. 

Brinkman, as individuals, to acquire 10 percent 

or more of the outstanding voting shares and 

control of FFD Financial Corporation, thereby 

indirectly acquiring control of First Federal 

Community Bank, NA, both of Dover, Ohio

FFD FINANCIAL CORP.

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending January 14, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 02/02/2012

02/03/2012

BB&T Corporation, Winston-Salem, North 

Carolina, to acquire 100% of the voting 

securities of BankAtlantic, Fort Lauderdale, 

Florida, a federal savings association.

BB&T CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Mr. Kenneth Ray Lehman of Arlington, Virginia, 

to acquire 51.3% of the outstanding voting 

securities of First Capital Bancorp, Inc., Glen 

Allen, Virginia.

FIRST CAPITAL BANCORP, INC.

Newspaper:

Federal Register:

* SLHC 

Formation

01/29/2012

02/06/2012

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.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Liberty Federal Savings and Loan Association, 

Baltimore, Maryland, to become a state member 

bank upon the charter conversion.

LIBERTY FEDERAL SAVINGS 

AND LOAN ASSOCIATION

Newspaper:

Federal Register:

* 18C

Not applicable

United Bank, Inc., Parkersburg, West Virginia, is 02/08/2012

to merge with affiliate Centra Bank, Inc., 

Morgantown, West Virginia.

UNITED BANK, 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

 2736451 NEW PEOPLES BK, HONAKER, VIRGINIA 08/08/2011 12/13/2011 S Int Sm Bank

 534774 VA COMMONWEALTH BK, PETERSBURG, VIRGINIA 09/26/2011 12/27/2011 S Int Sm 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 January 14, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/25/2012

Prior change in control notice filed by George 

Michael Schweitzer, Miami, Florida, to acquire 

up to 1.26 percent of the outstanding shares of 

Biscayne Bancshares, Inc. and its subsidiary 

bank, Biscayne Bank, both of Coconut Grove, 

Florida. Total pro forma ownership will equal 

12.85 percent.

BISCAYNE BANCSHARES, INC.

* 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 January 14, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

American Trust and Savings Bank, Dubuque, 01/15/2012

Iowa, to establish a branch at 9325 Bishop 

Drive, Suite 115/120, West Des Moines, Iowa.

AMERICAN TRUST & SAVINGS 

BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Central Bank, Storm Lake, Iowa, to establish a 01/09/2012

branch at 4201 South Lakeport, Sioux City, Iowa.

CENTRAL BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

First Bank & Trust, Evanston, Illinois, to 

establish a branch facility to be located at 55 

Shuman Boulevard, Suite 100, Naperville, 

Illinois.

FIRST BANK & TRUST

Newspaper:

Federal Register:

* 3A1 Not available

01/06/2012

Inspire Bancshares, Inc., Tomah, Wisconsin, to 

become a bank holding company by acquiring 

100 percent of the voting shares of Community 

State Bank, Norwalk, Wisconsin.

INSPIRE BANCSHARES INC

Newspaper:

Federal Register:

CIC 12/27/2011

01/13/2012

Notice by Helen P. Johnson-Leipold, Imogene P. 

Johnson, The Herbert F. Johnson Family Trust 

dated March 7, 1967 ("HFJ Trust"), Imogene P. 

Johnson as trustee for HFJ Trust and various 

other Johnson family trusts, Imogene P. 

Johnson as controlling shareholder for various 

Johnson family companies, the Johnson 

Financial Group, Inc. Voting Trust ("Johnson 

Voting Trust"), Helen P. Johnson-Leipold as 

trustee for the Johnson Voting Trust and 

various other family trusts and Helen P. 

Johnson-Leipold as controlling shareholder for 

various Johnson family companies (all of 

Racine, Wisconsin) to acquire 25 percent or 

more of the voting shares of Johnson Financial 

Group, Inc., Racine, Wisconsin, and thereby 

indirectly acquire Johnson Bank, Racine, 

Wisconsin.

JOHNSON FINANCIAL GROUP, 

INC.

Newspaper:

Federal Register:

CIC Not available

01/31/2012

Notice by Edward A. Cox, Jr., individually, and 

together with John M. Cox as a group acting in 

concert, both of Naples, Florida, 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

Newspaper:

Federal Register:

CIC Not available

01/23/2012

Notice by Thomas Benton Hunter, III, Lake 

Forest, Illinois, as trustee of the Hunter 2012 

Annuity Trust, and the Hunter 2012 Annuity 

Trust, Chicago, Illinois, to acquire shares, and 

thereby join the existing Steans Family Control 

Group of Taylor Capital Group, Inc., Rosemont, 

Illinois.

TAYLOR CAPITAL GROUP, INC.

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 January 14, 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

 16748 ELBERFELD ST BK, ELBERFELD, INDIANA 08/29/2011 12/14/2011 S Small Bank

 242 FIRST CMNTY BK XENIA FLORA, XENIA, ILLINOIS 09/19/2011 12/23/2011 S Small Bank

 773247 MIDLAND ST BK, EFFINGHAM, ILLINOIS 08/22/2011 12/30/2011 S Int Sm Bank

 272272 SOUTHERN BK, POPLAR BLUFF, MISSOURI 09/19/2011 01/09/2012 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending January 14, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 01/20/2012

01/18/2012

Change in Control Notice by the Gladys E. 

Youse Trust, and its trustee, Madolyn Y. 

Babcock, both of Minneapolis, Minnesota, to 

acquire 25% or more of Metro North 

Bancshares, Inc. and thereby indirectly acquire 

control of The Bank of Elk River, both of Elk 

River, Minnesota. Additionally, the Gladys E. 

Youse Trust, and its trustee, Madolyn Y. 

Babcock, propose to join the Babcock family 

shareholder group, which controls 25% or more 

of Metro North Bancshares, Inc.

METRO NORTH BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

MinnDak Bancshares, Inc., Park Rapids, 

Minnesota, to become a bank holding company 

by acquiring 100 percent of Kent Bancshares, 

Inc., Kent, Minnesota, and thereby indirectly 

acquire Kent State Bank, Kent, Minnesota.

MINNDAK BANCSHARES 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

 566953 STATE BK OF TOWNSEND, TOWNSEND, MONTANA 06/27/2011 12/26/2011 O Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending January 14, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Cottonwood Valley Bank, Cedar Point, Kansas, 

to merge with Pilsen State Bank, Lincolnville, 

Kansas, and incident thereto, to establish a 

branch.

COTTONWOOD VALLEY BANK

Newspaper:

Federal Register:

* 3A3

Member

* 18C

* Branch

02/11/2012

02/06/2012

First Financial Corporation, Wellington, Kansas, 

to acquire 100 percent of the voting shares of 

The Caldwell State Bank in Caldwell, Caldwell, 

Kansas. The Caldwell State Bank in Caldwell, 

Caldwell, Kansas, to become a member of the 

Federal Reserve System. The First National 

Bank in Wellington, Wellington, Kansas, to 

merge with The Caldwell State Bank in Caldwell, 

Caldwell, Kansas, and to operate under the 

charter and title of Impact Bank, Wellington, 

Kansas. Impact Bank, Wellington, Kansas, to 

establish a branch office at the former main 

office of The Caldwell State Bank in Caldwell, 

located at 24 N. Main Street, Caldwell, Kansas.

FIRST FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

FirstBank, Lakewood, Colorado, to establish a 01/27/2012

branch at 2025 North Alma School Road, 

Chandler, Arizona.

FIRSTBANK

Newspaper:

Federal Register:

* 3A1 01/27/2012

02/02/2012

Teton Financial Services, LLC, Wilson, 

Wyoming, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of Rocky Mountain Bank, 

Wilson, Wyoming.

TETON FINANCIAL SERVICES, 

LLC

* 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

 898458 BANK OF JACKSON HOLE, JACKSON, WYOMING 09/26/2011 01/04/2012 S Int Sm Bank

 172457 CITIZENS BK OF EDMOND, EDMOND, OKLAHOMA 09/19/2011 12/28/2011 S Small Bank

 10858 PLATTE VALLEY ST B&TC, KEARNEY, NEBRASKA 10/03/2011 12/23/2011 S Large 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 January 14, 2012

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 January 14, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 10/31/2011

01/31/2012

Interagency Notice of Change in Control by 

Montlake Capital, LLC and its control parties, 

Andrew Russell Dale, Montlake Capital Advisor 

II, LLC, Montlake Capital II, LP, and Montlake 

Capital II-B, LP, and their investors, to retain 

23.16 percent of the shares and thereby control 

of Coastal Financial Corporation, Everett, 

Washington, and thereby indirectly control 

Coastal Community Bank, Everett, Washington.

COASTAL FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* Branch Not available

Not applicable

East West Bank, Pasadena, California, to 

establish a branch office at 35233-E Newark 

Blvd., Newark, California.

EAST WEST BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

East West Bank, Pasadena, California, to 

establish a branch office at 9775 Baseline Road 

#109, Rancho Cucamong, California.

EAST WEST BANK

* 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