Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 33 

Week Ending August 18, 2012

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

Forms -- initial Board review to extend with revision the Weekly Report of Dealer 

Positions (FR 2004A), Weekly Report of Cumulative Dealer Transactions 

(FR 2004B), Weekly Report of Dealer Financing and Fails (FR 2004C), Weekly 

Report of Specific Issues (FR 2004SI), Daily Report of Specific Issues (FR 2004SD), 

Supplement to the Daily Report of Specific Issues (FR 2004SD ad hoc), and Daily 

Report of Dealer Activity in Treasury Financing (FR 2004WI), and to implement the 

Banking Organization Systemic Risk Report (FR Y-15).

- Proposed, August 14, 2012

Regulations and Policies

Regulation Z (Truth in Lending) -- publication for comment of interagency 

amendments to establish new appraisal requirements for "higher-risk mortgage 

loans," in accordance with the Dodd-Frank Act.

- Approved, August 14, 2012

Enforcement

PNBK Sponsor LLC, Stamford, Connecticut; PNBK Investment Partners LLC; 

PNBK Holdings LLC; and Patriot National Bancorp, Inc. -- written agreement with 

the Federal Reserve Bank of New York.

- Announced, August 16, 2012

H.2 Board Actions August 12, 2012 to August 18, 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

August 12, 2012 to August 18, 2012

MA Monetary Affairs

Bank Branches, Domestic

LegacyTexas Bank, Plano, Texas -- to establish a branch at 2101 Cedar Springs 

Road, Dallas.

Dallas

- Approved, August 14, 2012

North Valley Bank, Zanesville, Ohio -- to establish a branch at 3636 Maple Avenue, 

Zanesville.

Cleveland

- Approved, August 13, 2012

The Farmers Citizens Bank, Bucyrus, Ohio -- to establish a branch at 7789 County 

Road 77, Mount Hope.

Cleveland

- Approved, August 15, 2012

Bank Holding Companies

Ally Financial Inc., Detroit, Michigan -- revised response to request to allow a 

director of American International Group, Inc., Wilmington, Delaware, to also serve 

as a director of Ally Financial Inc.

General Counsel and Director, BS&R

- No Objection, August 13, 2012

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

America Start-Up Financial Institutions Investments I, L.P., Monterey Park, 

California, and CKH Capital, Inc. -- to become bank holding companies by acquiring 

shares of New Omni Bank, National Association, Alhambra.

San Francisco

- Approved, August 14, 2012

America Start-Up Financial Institutions Investments I, L.P., Monterey Park, 

California, and CKH Capital, Inc. -- to retain an interest in First PacTrust Bancorp, 

Inc., Irvine, and thereby indirectly retain Pacific Trust Bank and engage in operating 

a savings and loan association.

San Francisco

- Withdrawn, July 26, 2012

(A/C)

BNC Bancorp, Thomasville, North Carolina -- waiver of application to acquire 

KeySource Financial, Inc., Durham, in connection with the merger of their respective 

subsidiary banks, Bank of North Carolina, Thomasville, and KeySource Commercial 

Bank, Durham.

Richmond

- Granted, August 13, 2012

Meetinghouse Bancorp, Inc., Dorchester, Massachusetts -- to acquire Meetinghouse 

Bank, Dorchester, in connection with the bank's conversion from mutual to stock 

form.

Boston

- Approved, August 13, 2012

North Milwaukee Bancshares, Inc., Milwaukee, Wisconsin -- to continue to engage 

in extending credit and servicing loans.

Chicago

- Approved, August 17, 2012

H.2 Actions under delegated authority August 12, 2012 to August 18, 2012

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

The Bank of Fayette County, Collierville, Tennessee -- to purchase certain assets and 

assume certain liabilities of the Whiteville branch of Merchants & Planters Bank, 

Bolivar, and to retain the acquired facility as a branch.

St. Louis

- Approved, August 13, 2012

Change in Bank Control

Security State Bank Holding Company, Fargo, North Dakota -- change in bank 

control of Security State and its subsidiary bank, Bank Forward, Hannaford.

Minneapolis

- Permitted, August 17, 2012

Extensions of Time

Citigroup Inc., New York, New York -- requests for extensions to retain certain 

properties held by indirect subsidiaries in Mexico and El Salvador.

Director, BS&R

- Granted, August 13, 2012

Citigroup Inc., New York, New York -- request for extension to retain certain 

properties held by indirect subsidiaries in Honduras.

Director, BS&R

- Granted, August 13, 2012

H.2 Actions under delegated authority August 12, 2012 to August 18, 2012

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

Wells Fargo & Company, San Francisco, California -- for Wells Fargo Bank, N.A., 

Sioux Falls, South Dakota, to establish a branch in the Dubai International Financial 

Centre, Dubai, United Arab Emirates.

San Francisco

- Approved, August 14, 2012

Savings and Loan Holding Companies

Hamilton Bancorp, Inc., Baltimore, Maryland -- to become a savings and loan 

holding company on conversion of Hamilton Bank, Baltimore, from mutual to stock 

form.

Richmond

- Approved, August 13, 2012

Malvern Federal Mutual Holding Company, Paoli, Pennsylvania -- to convert from 

mutual to stock form and to merge with Malvern Bancorp, Inc., Paoli, and for 

Malvern Bancorp, Inc., to become a savings and loan holding company by acquiring 

Malvern Federal Savings Bank.

Philadelphia

- Approved, August 13, 2012

H.2 Actions under delegated authority August 12, 2012 to August 18, 2012

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

Federal Reserve Bank of Boston

Filings received during the week ending August 18, 2012

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 August 18, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/17/2012

The Adirondack Trust Company Employee 

Stock Ownership Trust, Saratoga Springs, New 

York, to acquire fifty additional shares of 473 

Broadway Holding Corporation and acquire two 

thousand additional shares of The Adirondack 

Trust Company, both of Saratoga Springs, New 

York.

ADIRONDACK TRUST 

COMPANY EMPLOYEE STOCK 

OWNERSHIP TRUST, THE

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citibank, N.A., Sioux Falls, South Dakota and 

Citibank Overseas Investment Corporation, New 

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

Regulation K, to make an additional investment 

in Banco de Chile, Santiago, Chile.

CITIBANK, N.A.

Newspaper:

Federal Register:

* Branch

Not applicable

Elmira Savings Bank, Elmira, New York to 08/29/2012

establish a branch office located at 2081 Lake 

Road, Elmira Heights, New York. (RSSD 

#4428059)

ELMIRA SAVINGS BANK

Newspaper:

Federal Register:

* 3A1 09/03/2012

09/07/2012

Hana Financial Group Inc., Seoul, Korea, to 

become a bank holding company by acquiring 

71.37 percent of BNB Financial Services 

Corporation, New York, New York, and 

indirectly, BNB Bank, National Association, 

Fort Lee, New Jersey pursuant to Section 3(a)(1) 

of the Bank Holding Company Act of 1956, as 

amended, and Section 225.15 of Regulation Y.

HANA FINANCIAL GROUP INC.

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.

* 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

 722816 SOLVAY BK, SOLVAY, NEW YORK 11/28/2011 07/25/2012 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending August 18, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

09/14/2012

Customers Bancorp, Inc., Wyomissing, PA, to 

operate a savings association by acquiring 

Acacia Federal Savings Bank, Falls Church, VA.

CUSTOMERS BANCORP, INC

Newspaper:

Federal Register:

* 3A3 09/14/2012

09/14/2012

Fulton Financial Corporation, Lancaster, PA, to 

acquire up to 7.32% of Bryn Mawr Bank 

Corporation, Bryn Mawr, PA.

FULTON FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

MHC Not applicable

Charter/Bylaw Not applicable

Pathfinder Bancorp, Inc., MHC, Oswego, NY, 

proposed bylaw amendment.

PATHFINDER BANCORP, M.H.C.

* 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 18, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 08/25/2012

branch at 7911 US 42, Florence, KY.

FIFTH THIRD BANK

Newspaper:

Federal Register:

CIC 09/09/2012

08/31/2012

Interagency Notice of Change in Bank Control 

filed by Steven A. Bartels and Deborah E. 

Bartels, both of Franklin, NB proposing to 

acquire 50.33% of the outstanding voting 

shares of New Richmond Bancorporation, New 

Richmond, OH.

NEW RICHMOND 

BANCORPORATION

Newspaper:

Federal Register:

CIC 08/29/2012

08/30/2012

The Sutton Bank Employee Stock Ownership / 

401K Plan (Sutton Bancshares, Inc.), Attica, 

Ohio; Co-Trustees; Eric A. Gillett,James A. 

Gorrell; AND The Eric A. Gillete Family Control 

Group (Eric A. Gillett Revocable Trust Attica, 

Ohio; Denise E. Gillett Revocable Trust Attica, 

Ohio; Ronald L. and Jean E. Hamilton Huron, 

Ohio; John A. Pour Revocable Living Trust 

Troy, Ohio; Yvenna E. Pour Revocable Living 

Trust Troy, Ohio; Cheryl S. Beaver Troy, Ohio; 

Valeria A. Darling Attica, Ohio; Fred W. Darling, 

Attica, Ohio; Theresa M. Henderson Piqua, 

Ohio; Michelle R. Powell Troy, Ohio) AND The 

James A. Gorrell Family Control Group (James 

A. Gorrell, Tiffin, Ohio; and Barbara M. Gorrell, 

Dayton, Ohio), collectively, to acquire 10 

percent or more of the shares and thereby 

control of Sutton Bancshares, Inc., Attica, Ohio 

and thereby indirectly control Sutton Bank, 

Attica, Ohio

SUTTON BANCSHARES, INC.

* 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 18, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Citizens Bank and Trust Company, Blackstone, 

Virginia, to establish a branch at the corner of 

Iron Bridge Road and Oliver's Way, 

Chesterfield, Virginia

CITIZENS BANK AND TRUST 

COMPANY

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

FIA Card Services, N.A., Wilmington, Delaware, 

to acquire Bank America International 

Investment Corporation, Chicago, Illinois, an 

Edge Corporation.

FIA CARD SERVICES, 

NATIONAL ASSOCIATION

* 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

 430278 BALTIMORE CTY SVG BK FSB, BALTIMORE, MARYLAND 04/23/2012 07/26/2012 S Int Sm Bank

 2353595 FIRST CMNTY BK NA, BLUEFIELD, VIRGINIA 03/26/2012 07/23/2012 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending August 18, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Drummond Banking Company, Chiefland, 

Florida, to merge with Williston Holding 

Company, and thereby directly acquire Perkins 

State Bank, both of Williston, Florida.

DRUMMOND BANKING 

COMPANY

Newspaper:

Federal Register:

CIC Not available

08/28/2012

Prior change in control notice filed by Guice 

Slawson, Jr., Joe Stinson Slawson, and William 

Edgar Slawson, all of Montgomery, Alabama, to 

collectively acquire 91.4 percent of the 

outstanding shares of FEB Bancshares, Inc., 

and its subsidiary, Farmers Exchange Bank, 

both of Louisville, Alabama.

FEB BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

08/30/2012

Prior change in control notice filed by Robert 

Wayne Lowe, Warner Robbins, Georgia, to 

acquire an additional 8.94 percent of the 

outstanding shares of Mid State Banks, Inc., 

Hawkinsville, Georgia, and its subsidiary, 

PlantersFIRST Bank, Cordele, Georgia. Total pro 

forma ownership will equal 31.38 percent.

MID STATE BANKS, INC.

Newspaper:

Federal Register:

CIC 08/29/2012

08/30/2012

Prior change in control notice filed by James 

Brawner Little, III, Birmingham, Alabama, to 

acquire up to 25 percent of the outstanding 

shares of The Southern Banc Company, Inc., 

and its subsidiary, The Southern Bank 

Company, both of Gadsden, Alabama.

SOUTHERN BANC COMPANY, 

INC., THE

* 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 18, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Pursuant to Regulation K, 12 C.F.R. 211.9(f), 

Ally Financial, Inc. proposes an internal 

reorganization under which it will merge the 

following subsidiaries with and into its mid-tier 

bank holding company, IB Finance Holding 

Company, LLC, Detroit, Michigan. The four 

subsidiaries are GMAC International Holdings 

B.V., Gravenhage, Netherlands, GMAC 

Continental Corporation, Detroit, Michigan, 

GMAC Latin America Holdings LLC, Detroit, 

Michigan, and Ally US LLC, Detroit, Michigan.

ALLY FINANCIAL INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not available

American Heartland Bancshares, Inc., Sugar 

Grove, Illinois, to engage de novo in lending 

through a newly established subsidiary, 

American Heartland Holdings, LLC, Sugar 

Grove, Illinois.

AMERICAN HEARTLAND 

BANCSHARES, 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:

* Branch

Not applicable

Chemical Bank, Midland, Michigan, to establish 08/15/2012

a branch at 433 West Main Street, Benton 

Harbor, Michigan.

CHEMICAL BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Jeffrey D. Snyder and Rhonda R. Snyder, both 

of Baileyville, Illinois, to retain and acquire 10 

percent or more of the shares and thereby 

control High Point Financial Services, Inc., 

Forreston, Illinois.

HIGH POINT FINANCIAL 

SERVICES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Saint Charles Bank and Trust Company, Saint 08/23/2012

Charles, Illinois, to establish a branch located at 

514 West State Street, Geneva, Illinois 60134.

ST. CHARLES 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

 41245 FARMERS & MRCH BK ORFORDVILLE, ORFORDVILLE, WISCONSIN 01/23/2012 08/08/2012 S Small Bank

 2687133 PREMIER BK, DUBUQUE, IOWA 03/19/2012 07/23/2012 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending August 18, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

* 3A1

09/06/2012

09/10/2012

Reliable Community Bancshares, Inc., Perryville, 

Missouri, to acquire 100 percent of First 

Southeast Missouri Bancorporation, Inc., Scott 

City, Missouri, and thereby indirectly acquire 

Security Bank and Trust Company, Scott City, 

Missouri. Also, a companion filing for First 

Southeast Acquisition Corporation, Perryville, 

Missouri, to become a bank holding company 

by acquiring 100 percent of First Southeast 

Missouri Bancorporation, Inc., Scott City, 

Missouri, and thereby indirectly acquire 

Security Bank and Trust Company, Scott City, 

Missouri.

RELIABLE COMMUNITY 

BANCSHARES, INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 308443 BANK OF FAYETTEVILLE, FAYETTEVILLE, ARKANSAS 04/30/2012 08/06/2012 S Int Sm Bank

 149253 REELFOOT BK, UNION CITY, TENNESSEE 04/16/2012 07/26/2012 S Small 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 August 18, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/06/2012

American Bancor, Ltd., Dickinson, North 

Dakota, to acquire 100 percent of North Country 

Bank, National Association, McClusky, North 

Dakota.

AMERICAN BANCOR, LTD.

Newspaper:

Federal Register:

CIC 08/22/2012

08/28/2012

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, Ottertail, Minnesota; Jeffrey 

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

ND; Roger Kenner, Leeds, ND; Bradley Fay, 

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.

Newspaper:

Federal Register:

* 3A3 Not available

09/07/2012

Frandsen Financial Corporation, Arden Hills, 

Minnesota, to acquire 100% of Clinton 

Bancshares, Inc., and thereby indirectly acquire 

Clinton State Bank, Clinton, Minnesota.

FRANDSEN FINANCIAL 

CORPORATION

* 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 18, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/07/2012

American National Corporation, Omaha, 

Nebraska, to acquire 100 percent of the voting 

shares of Western Bank, St. Paul, Minnesota.

AMERICAN NATIONAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

09/06/2012

Notification by Randal S. Shannon, Drexel, 

Missouri, to acquire control of Bates County 

Bancshares, Inc., parent of Security Bank, both 

in Rich Hill, Missouri.

BATES COUNTY BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC Not available

08/27/2012

Notice by Tom Saunders, Douglas, Wyoming, 

to retain control of Converse County Capital 

Corporation, parent of Converse County Bank, 

both in Douglas, Wyoming. In addition, 

Brittanie Ann Saunders Trust, Marissa Kay 

Saunders Trust, Rachel Christine Saunders 

Trust, Emma Nichole Saunders Trust, Benjamin 

Don Saunders Trust, Garret Alexander Saunders 

Trust, Madison Ann Saunders Trust, Rebecca 

Ann Lutter Trust, Claire Elizabeth Lutter Trust, 

and Hallie Ann Lutter Trust, all of Douglas, 

Wyoming, as members of the Saunders Family 

Group acting in concert, to retain control of 

Converse County Capital Corporation, parent of 

Converse County Bank, both in Douglas, 

Wyoming.

CONVERSE COUNTY CAPITAL 

CORPORATION

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Equity Bank, Andover, Kansas, to merge with 08/31/2012

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:

* Branch

Not applicable

First Bank of Utica, Utica, Nebraska, to establish 08/31/2012

a branch at 407 7th Street, Milligan, Nebraska.

FIRST BANK OF UTICA

Newspaper:

Federal Register:

CIC 07/20/2012

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 18, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

The Union State Bank of Everest, Everest, 09/09/2012

Kansas, to purchase certain assets and assume 

certain liabilities of the Atchison and Lancaster, 

Kansas branches of United Bank of Kansas, 

Lenexa, Kansas, and incident thereto, to 

establish branches at 734 Commercial, Atchison, 

Kansas, and 201 North Broadway, Lancaster, 

Kansas.

UNION STATE BANK OF 

EVEREST, THE

* 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

 625654 COUNTRY CLUB BK, KANSAS CITY, MISSOURI 04/02/2012 07/25/2012 O Int Sm Bank

 945053 RCB BK, CLAREMORE, OKLAHOMA 04/16/2012 07/25/2012 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 August 18, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 08/08/2012

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:

* 3A3 Not available

09/13/2012

HaleCo Bancshares, Inc., Plainview, Texas, to 

acquire 100 percent of LubCo Bancshares, Inc., 

Slaton, Texas, and thereby indirectly acquire 100 

percent of the outstanding shares of Citizens 

Bank, Slaton, Texas.

HALECO BANCSHARES, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 646453 COMMUNITY ST BK, AUSTIN, TEXAS 05/14/2012 09/07/2012 S Small Bank

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 18, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Gapstow Capital Partners, L.P.; CJA Private 

Equity Financial Restructuring Master Fund I, 

L.P.; CJA Private Equity Financial Restructuring 

Fund I, Ltd. and its investors; CJA Private 

Equity Financial Restructuring GP I, Ltd.; 

Christopher J. Acito & Associates GP, LLC; 

Christopher J. Acito; and Jack T. Thompson; all 

of New York, New York; and Timothy S.F. 

Jackson, Newtown, Connecticut, to acquire up 

to 24.9 percent of Oregon Pacific Bancorp, 

Florence, Oregon.

OREGON PACIFIC BANCORP

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act