Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 40 

Week Ending October 6, 2012

Board of Governors of the Federal Reserve System, Washington, DC 20551
Regulations and Policies

Regulation YY (Enhanced Prudential Standards) -- final rules implementing the 

stress test requirements of the Dodd-Frank Act.

- Approved, October 4, 2012

Enforcement

American Express Company, New York, New York, and American Express Travel 

Related Services Company, Inc. -- issuance of a consent cease and desist order and 

assessment of a civil money penalty.

- Announced, October 1, 2012

Northeast Securities Corporation, Minneapolis, Minnesota -- written agreement dated 

May 24, 2010, terminated October 1, 2012.

- Announced, October 4, 2012

SouthFirst Bancshares, Inc., Sylacauga, Alabama -- written agreement with the 

Federal Reserve Bank of Atlanta.

- Announced, October 2, 2012

TCSB Bancorp, Inc., Traverse City, Michigan -- written agreement dated 

December 6, 2010, terminated September 27, 2012.

- Announced, October 4, 2012

West Concord Bancshares, Inc., West Concord, Minnesota, and Farmers State Bank 

of West Concord -- written agreement dated November 6, 2009, terminated 

September 27, 2012.

- Announced, October 2, 2012

H.2 Board Actions September 30, 2012 to October 6, 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

September 30, 2012 to October 6, 2012

MA Monetary Affairs

Bank Branches, Domestic

Susquehanna Bank, Lititz, Pennsylvania -- to establish branches at Route 140 and 

Englar Road, Westminster, Maryland, and 215 Key Highway, Baltimore (two 

notices).

Philadelphia

- Approved, October 5, 2012

Bank Holding Companies

American Heartland Bancshares, Inc., Sugar Grove, Illinois -- to engage de novo in 

extending credit and servicing loans through American Heartland Holdings, LLC, 

Sugar Grove.

Chicago

- Approved, October 2, 2012

Centra Ventures, Inc., Foley, Minnesota -- to acquire Richmond Bank Holding Co., 

Richmond, and its subsidiary bank, State Bank of Richmond.

Minneapolis

- Returned, October 2, 2012

First Priority Financial Corp., Malvern, Pennsylvania -- to acquire Affinity 

Bancorp, Inc., Wyomissing.

Philadelphia

- Approved, October 3, 2012

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

Independent Bank Corp., Rockland, Massachusetts -- to acquire Central 

Bancorp, Inc., Somerville, and its subsidiary bank, Central Co-operative Bank.

Boston

- Approved, October 4, 2012

RSB Bancorp, MHC, Roselle, New Jersey, and RSB Bancorp, Inc. -- to become bank 

holding companies by acquiring Roselle Savings Bank, Roselle.

New York

- Approved, October 3, 2012

United Financial Bancorp, Inc., West Springfield, Massachusetts -- request for 

waiver of application in connection of the acquisition of New England Bancshares, 

Enfield, Connecticut.

Boston

- Withdrawn, October 4, 2012

Bank Mergers

Green Dot Bank, dba Bonneville Bank, Provo, Utah -- to purchase certain assets and 

assume certain liabilities of Synovus Bank, Columbus, Georgia.

San Francisco

- Approved, October 4, 2012

Change in Bank Control

Bates County Bancshares, Inc., Rich Hill, Missouri -- change in bank control of 

Bates County Bancshares and its subsidiary bank, Security Bank, Rich Hill.

Kansas City

- Permitted, October 2, 2012

H.2 Actions under delegated authority September 30, 2012 to October 6, 2012

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

High Point Financial Services, Inc., Forreston, Illinois -- change in bank control of 

High Point Financial and its subsidiary banks, Forreston State Bank, Forreston, and 

Kent Bank, Kent.

Chicago

- Permitted, October 5, 2012

Lakeside Bank Holding Company, New Town, North Dakota -- to retain control of 

Lakeside and its subsidiary banks, Lakeside State Bank, New Town, and McKenzie 

County Bank, Watford City.

Minneapolis

- Permitted, October 4, 2012

The Southern Banc Company, Inc., Gadsden, Alabama -- change in bank control of 

The Southern Banc and its subsidiary bank, The Southern Bank Company, Gadsden.

Atlanta

- Permitted, October 4, 2012

Extensions of Time

Customers Bancorp, Inc., Wyomissing, Pennsylvania, and Customers Bank, 

Phoenixville -- extension of time to receive comments from a commenter on the 

application to acquire Acacia Federal Savings Bank, Falls Church, Virginia.

Secretary

- Granted, October 5, 2012

The McGehee Bank Employee Stock Ownership Plan, McGehee, Arkansas -- 

extension to January, 4, 2013, to increase its ownership in Southeast Financial 

Bankstock Corporation, McGehee, and its subsidiary bank, McGehee Bank.

St. Louis

- Granted, October 2, 2012

H.2 Actions under delegated authority September 30, 2012 to October 6, 2012

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

East Cambridge Savings Bank, Cambridge, Massachusetts -- to become a member of 

the Federal Reserve System.

Boston

- Approved, October 5, 2012

Regulations and Policies

Federal Open Market Committee -- minutes of the meeting on September 12-13, 

2012.

FOMC

- Published, October 4, 2012

H.2 Actions under delegated authority September 30, 2012 to October 6, 2012

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

Federal Reserve Bank of Boston

Filings received during the week ending October 6, 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 October 6, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA

Not applicable

China Construction Bank Corporation, Beijing, 11/03/2012

People's Republic of China, to establish a 

branch in San Francisco, California, pursuant to 

Section 211.24 of Regulation K.

CHINA CONSTRUCTION BANK 

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Elmira Savings Bank, Elmira, New York to 10/11/2012

establish a branch office located at 404 South 

Hamilton Street, Suites 420 and 422, Village of 

Painted Post, Stueben County, New York.

ELMIRA SAVINGS BANK

Newspaper:

Federal Register:

CIC 10/16/2012

10/17/2012

Notice by Muhammad Habib and Hamza Habib, 

to retain a controlling interest in Maham 

Beteiligungsgessellschaft AG, Zurich, 

Switzerland, and thereby indirectly retain 

control of Habib American Bank, New York, 

New York.

HABIB AMERICAN BANK

Newspaper:

Federal Register:

* 4c8 Not available

* 18C 10/27/2012

M&T Bank Corporation, Buffalo, New York, and 

Wilmington Trust Corporation, Wilmington, 

Delaware, to acquire Hudson City Bancorp, Inc. 

and thereby indirectly acquire Hudson City 

Savings Bank, FSB, both of Paramus, New 

Jersey, and thereby operate a savings 

association. Manufacturers and Traders Trust 

Company, Buffalo, New York, to merge with 

Hudson City Savings Bank, FSB.

M&T BANK CORPORATION

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 414102 ALDEN ST BK, ALDEN, NEW YORK 12/06/2010 10/01/2012 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending October 6, 2012

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 October 6, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 10/16/2012

temporary branch at Highland Meadows Golf 

Club, 11330 Twin Eagles Blvd., Naples, FL to 

operate from 11/12/2012 through 11/16/2012.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

InFirst Bancorp, MHC and InFirst Bancorp, Inc., 

both of Indiana, Pennsylvania to become bank 

holding companies by acquiring 100 percent of 

Indiana Savings Bank, Indiana, Pennsylvania 

pursuant to section 3 of the Bank Holding 

Company Act

InFirst Bancorp, Inc.

Newspaper:

Federal Register:

CIC

Not available

Notice of Change in Control by Tonti Financial 10/22/2012

Corp Trust, Tonti Financial Corp Trust II, The 

Alfred E. Tonti Trust, and their trustee, Thomas 

Tonti, Columbus, Ohio, to acquire up to 49.9% 

of the voting shares of Tonti Financial Corp, 

Columbus, Ohio

TONTI FINANCIAL CORP 

TRUST

* 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 October 6, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 10/29/2012

11/02/2012

City Holding Company, Cross Lanes, West 

Virginia, to acquire 100% of the voting 

securities of Community Financial Corporation, 

Staunton, Virginia, and thereby indirectly 

acquire Community Bank, Staunton, Virginia.

CITY HOLDING COMPANY

Newspaper:

Federal Register:

CIC 10/22/2012

10/15/2012

Richard Geno Preservati, Captiva, Florida, 

individually to control up to 19.61% of the 

outstanding voting shares of New Peoples 

Bankshares, Inc., Honaker, Virginia. 

Additionally, Richard Geno Preservati and 

Nancy Karen Preservati, Captiva, Florida, as a 

group acting in concert to control up to 19.61% 

of the outstanding voting shares of New 

Peoples Bankshares, Inc., Honaker, Virginia.

NEW PEOPLES BANKSHARES, 

INC.

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending October 6, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 10/19/2012

10/22/2012

Prior change in control notice filed by Guido 

Edwin Hinojosa Cardoso, La Paz, Bolivia, to 

acquire at least 65.31 percent of the outstanding 

shares of Anchor Commercial Bank, Juno 

Beach, Florida. Total ownership will be at least 

65.31 percent.

ANCHOR COMMERCIAL BANK

Newspaper:

Federal Register:

* 3A5 Not available

11/05/2012

BancTenn Corp., Kingsport Tennessee, to 

merge with Carter County Bancorp, Inc., and 

thereby acquire its subsidiary, Carter County 

Bank, both of Elizabethton, Tennessee.

BANCTENN CORP.

Newspaper:

Federal Register:

* 3A1 10/26/2012

10/29/2012

First Green Bancorp, Inc., to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of First Green Bank, 

both of Mount Dora, Florida.

FIRST GREEN BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

IBERIABANK, Lafayette, Louisiana, to 10/15/2012

establish a branch located at 3600 South 

Carrollton Avenue, New Orleans, Louisiana 

70118, to be known as the Palmetto Branch.

IBERIABANK

Newspaper:

Federal Register:

* Branch

Not applicable

IBERIABANK, Lafayette, Louisiana, to 10/15/2012

establish a branch located at 5247 Golden Gate 

Parkway, Naples, Florida 34116, to be known as 

the Golden Gate Branch.

IBERIABANK

Newspaper:

Federal Register:

* Branch

Not applicable

IBERIABANK, Lafayette, Louisiana, to 10/15/2012

establish a branch located at 107 Northshore 

Boulevard, Slidell, Louisiana 70460, to be known 

as the Village Northshore Branch.

IBERIABANK

Newspaper:

Federal Register:

* Branch

Not applicable

IBERIABANK, Lafayette, Louisiana, to 10/15/2012

establish a branch located at 2025 3rd Avenue 

North, Birmingham, Alabama 35203, to be 

known as the Downtown BIrmingham Branch.

IBERIABANK

Newspaper:

Federal Register:

* Branch

Not applicable

IBERIABANK, Lafayette, Louisiana, to 10/15/2012

establish a branch located at 13535 E. Fwy, 

Houston, Texas 77015, to be known as the I-10 

East Branch.

IBERIABANK

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Regions Financial Corporation, Birmingham, 

Alabama, to establish Regions Securities LLC, 

Atlanta, Georgia, and thereby engage in certain 

insitutional broker-dealer activities, pursuant to 

sections 4(k) and 4(j) of the Bank Holding 

Company Act.

REGIONS FINANCIAL 

CORPORATION

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 497039 COMMERCIAL BK, HARROGATE, TENNESSEE 04/16/2012 09/23/2012 S Int Sm Bank

 3290240 NASHVILLE B&TC, NASHVILLE, TENNESSEE 06/11/2012 09/30/2012 S Small Bank

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 October 6, 2012

Filer Filing Type Filing Proposal End of Comment Period

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:

CIC Not available

10/19/2012

Notice by the Job Family (Julia C. Job, Stuart L. 

Job, and Susan Job Hollingshead, all of 

Knoxville, Iowa), as a group acting in concert 

and individually by Stuart L. Job and Susan Job 

Hollingshead, for approval to gain control of 

Duclarkee, Inc., Knoxville, Iowa, and thereby 

indirectly Iowa State Savings Bank, Knoxville, 

Iowa.

DUCLARKEE, INC.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Lake Forest Bank and Trust Company, Lake 

Forest, Illinois, to make additional capital 

contributions into its foreign subsidiary, FIFCO 

Canada, to achieve greater tax efficiency.

LAKE FOREST BANK & TRUST 

COMPANY

Newspaper:

Federal Register:

CIC Not available

10/19/2012

Richard P. DelMedico, Ontario, Wisconsin, 

Doreen M. Dahl, Cashton, Wisconsin, Denise 

M. Gunderson, Byron, Minnesota, Diana M. 

Fischer, Reno, Nevada, and Debra M. Schmitz, 

Norwalk, Wisconsin, together as a group acting 

in concert, to retain control of 25 percent or 

more of the outstanding shares of Ontario 

Bancorporation, Inc., and thereby indirectly 

retain control of Bank of Ontario, both of 

Ontario, Wisconsin.

ONTARIO BANCORPORATION, 

INC.

Newspaper:

Federal Register:

CIC 10/11/2012

10/02/2012

Notice by the Garst Family (Elizabeth Garst, 

Edward Garst and Rachel Garst of Coon Rapids, 

Iowa; Jennifer Garst, Ames, Iowa; Kate Garst 

Revocable Trust, Des Moines, Iowa, Kate Garst 

Trustee; Sarah Garst, West Des Moines, Iowa), 

as a group acting in concert and individually by 

Elizabeth Garst, Sarah Garst, and Sally Garst 

Haerr, Fairfield, Iowa, for approval to increase 

control to more than 25 percent of Perry 

Investment Company, Perry, Iowa, and thereby 

indirectly control Raccoon Valley Bank, Perry, 

Iowa.

PERRY INVESTMENT COMPANY

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Town and Country Bank, Springfield, Illinois, to 

purchase 100 percent of the assets and assume 

liabilities of Logan County Bank, Lincoln, 

Illinois, and thereby establish branch offices, 

pursuant to section 18(c) of the Federal Deposit 

Insurance Act and Section 9 of the Federal 

Reserve Act.

TOWN AND COUNTRY BANK

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

Federal Reserve Bank of Chicago

Filings received during the week ending October 6, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/17/2012

Voting Trust and David E. Kirschner, 

Springfield, Illinois, as trustee of Voting Trust, 

to join the existing Kirschner Family Control 

Group through the acquisition of shares of 

Town and Country Financial Corporation, 

Springfield, Illinois, and thereby to indirectly 

acquire shares of Town and Country Bank, 

Springfield, Illinois, and Logan County Bank, 

Lincoln, Illinois.

TOWN AND COUNTRY 

FINANCIAL CORPORATION

Newspaper:

Federal Register:

* MHC Not available

Conversion

* SLHC 

Formation

10/22/2012

United Community MHC, Lawrenceburg, 

Indiana, proposes to convert to stock form and 

merge with United Community Bancorp, 

Lawrenceburg, Indiana, an existing savings and 

loan holding company. The existing United 

Community Bancorp will merge with a new 

company, also called United Community 

Bancorp, Lawrenceburg, Indiana, which will 

become a savings and loan holding company 

through the acquisition of 100 percent of the 

outstanding stock of United Community Bank, 

Lawrenceburg, Indiana, a federal savings bank.

UNITED COMMUNITY MHC

Newspaper:

Federal Register:

* 3A3 Not available

10/29/2012

Wintrust Financial Corporation, Rosemont, 

Illinois, for prior approval to acquire HPK 

Financial Corporation, Chicago, Illinois, and 

thereby indirectly acquire Hyde Park Bank & 

Trust Company, Chicago, Illinois, pursuant to 

section 3(a)(3) of the Bank Holding Company 

Act.

WINTRUST FINANCIAL 

CORPORATION

* 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

 2239288 NORTH SHORE CMNTY B&TC, WILMETTE, ILLINOIS 05/07/2012 09/17/2012 S Large Bank

 2693264 TOWN BK, HARTLAND, WISCONSIN 04/23/2012 10/01/2012 S Large 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 October 6, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/23/2012

Notice by Clayton B. Patrick, individually, and 

as a member of a family control group to gain 

control of American Founders Bancorp, 

Lexington, Kentucky. The family control group 

consists of Clayton B. Patrick, Liz S. Patrick, 

Clayton M. Patrick, Carson B. Patrick, and 

Cooper A. Patrick, Frankfort, Kentucky.

AMERICAN FOUNDERS 

BANCORP, INC.

Newspaper:

Federal Register:

* 3A1

Not available

C & J Bennett Family Limited Partnership, 11/13/2012

Hardinsburg, Kentucky, to become a bank 

holding company by acquiring 52.29 percent of 

Farmers Bancshares, Inc., Hardinsburg, 

Kentucky, and thereby indirectly acquire 

Farmers Bank, Hardinsburg, Kentucky, and 

Leitchfield Deposit Bank & Trust Company, 

Leitchfield, Kentucky.

C & J BENNETT FAMILY 

LIMITED PARTNERSHIP

Newspaper:

Federal Register:

* Branch

Not applicable

Centennial Bank, Conway, Arkansas, to 10/17/2012

establish a branch facility to be located at 1815 

West State Road 434, Longwood, Florida.

CENTENNIAL BANK

Newspaper:

Federal Register:

CIC 10/31/2012

10/19/2012

Notice by Michael Cripps and Helen Cripps, 

both of Murphysboro, Illinois, to gain control of 

First of Murphysboro, Corp., Murphysboro, 

Illinois.

FIRST OF MURPHYSBORO 

CORP.

* 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 October 6, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Robert B. Flood, Jr., Marquette, Michigan, and 

Susan Flood-Dziubinski, Crystal Falls, 

Michigan, each propose to acquire control of 25 

percent or more of the shares of C.F.C. Bancorp, 

Inc., Crystal Falls, Michigan, and thereby 

indirectly acquire First National Bank of Crystal 

Falls, Crystal Falls, Michigan. Additionally, 

these two individuals together with Susan J. 

Flood Revocable Living Trust, Crystal Falls, 

Michigan, Susan J. Flood-Dziubinski trustee; 

Mary Ann Flood Revocable Living Trust, 

Crystal Falls, Michigan, Robert B. Flood, Jr, and 

Susan J. Flood-Dziubinski, co-trustees; James 

Flood, Medford, Wisconsin; Lisa Flood, 

Marquette, Michigan; Mark A. Flood, Iron 

Mountain, Michigan; and Mark A. Flood 

Revocable Trust, Iron Mountain, Michigan, 

Mark A. Flood trustee as a group acting in 

concert to acquire 25 percent or more of the 

shares of C.F.C. Bancorp, Inc.

C.F.C. BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control Notice by Douglas Osborne 

and Donald Osborne, both of Ham Lake, 

Minnesota, as a group acting in concert, to 

acquire 25% percent or more of the shares of 

Community Pride Bank Corporation, Ham Lake, 

Minnesota, and thereby indirectly acquire 

Community Pride Bank, Isanti, Minnesota. In 

addition, Kenneth M. Welle and Lori M. Welle, 

both of Dayton Minnesota, to acquire 10% or 

more of the shares of Community Pride Bank 

Corporation and thereby indirectly acquire 

control of Community Pride Bank.

COMMUNITY PRIDE BANK 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

10/29/2012

Forstrom Bancorporation, Inc., Clara City, 

Minnesota, to acquire 100 percent of Murdock 

Bancor, Inc., Mendota Heights, Minnesota, and 

thereby indirectly acquire First State Bank of 

Murdock, Murdock, Minnesota.

FORSTROM 

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

 356752 CITIZENS ST BK OF ONTONAGON, ONTONAGON, MICHIGAN 06/19/2012 09/24/2012 S 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 October 6, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 11/01/2012

11/02/2012

Banner County Ban Corporation Employee 

Stock Plan and Trust to become a bank holding 

company through the acquisition of 29.62 

percent of the outstanding voting shares of 

Banner County Ban Corporation, parent of 

Banner County Bank, Inc. all in Harrisburg, 

Nebraska.

BANNER COUNTY BAN 

CORPORATION EMPLOYEE 

STOCK PLAN AND TRUST

Newspaper:

Federal Register:

* 3A5 Not available

4c8 11/02/2012

BBJ Incorporated, Ord, Nebraska, to acquire 100 

percent of the voting shares of City National 

Bancshares, Inc., parent of CNB Community 

Bank, both in Greeley, Nebraska. BBJ 

Incorporated, Ord, Nebraska, to engage in 

insurance activities through the acquisition of 

the assets of McQuillan Insurance Agency, a 

division of City National Bancshares, Inc., both 

in Greeley, Nebraska.

BBJ INCORPORATED

Newspaper:

Federal Register:

* 3A3

* 3A1

* 18C

* Branch

10/31/2012

10/22/2012

Northern Missouri Bancshares, Inc., Unionville, 

Missouri, to acquire indirectly, and Exchange 

Bancorp of Missouri, to acquire, through its 

newly formed subsidiary, Slater Acquisition 

Corp., both of Fayette, Missouri; Slater 

Bancshares, Inc., parent of State Bank of Slater, 

both in Slater, Missouri. Immediately thereafter, 

Slater Acquisition Corp. will merger into Slater 

Bancshares, Inc. Exchange Bank of Missouri, 

Fayette, Missouri, to merge with State Bank of 

Slater, Slater, Missouri, and incident thereto, to 

establish a branch.

EXCHANGE BANCORP OF 

MISSOURI, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

FirstBank, Antlers, Oklahoma, to establish a 10/18/2012

branch at 100 Harper Road, Kiowa, Oklahoma.

FIRSTBANK

Newspaper:

Federal Register:

* 3A1 Not available

10/27/2012

Luxury Development Partners, Inc., Wichita, 

Kansas ("Luxury Development"), to acquire 

control of Community State Bancshares, parent 

company of Community State Bank, both of 

Wichita, Kansas, and, thus, to become a bank 

holding company. Luxury Development is 

applying to become a bank holding company by 

virtue of its direct control, together with that of 

its owners (Mark B. Hutton, Andrew W. Hutton, 

and Bill Warren), of over 25 percent of 

Community State Bancshares.

LUXURY DEVELOPMENT 

PARTNERS, INC.

Newspaper:

Federal Register:

* 3A5 10/29/2012

10/29/2012

Pony Express Bancorp, Inc., Elwood, Kansas, to 

acquire 100 percent of the voting shares of 

Don-Co Investment Company, parent of 1st 

Bank of Troy, both in Troy, Kansas.

PONY EXPRESS BANCORP, INC.

Newspaper:

Federal Register:

* 3A5 11/04/2012

10/29/2012

Vision Bancshares, Inc., Ada, Oklahoma, to 

acquire 100 percent of the voting shares of 

Sulphur Community Bancshares, Inc., parent of 

Community Bank of the Arbuckles, both in 

Sulphur, Oklahoma.

VISION BANCSHARES, INC.

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

Federal Reserve Bank of Kansas City

Filings received during the week ending October 6, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

4c8

10/18/2012

10/15/2012

Yorktown Financial Holdings, Inc., Tulsa, 

Oklahoma, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of CNBO Bancorp, Inc., parent of 

Century Bank of Oklahoma, both in Pryor, 

Oklahoma. Yorktown Financial Holdings, Tulsa, 

Oklahoma, to engage indirectly in mortgage 

lending activities, through the acquisition of 100 

percent of CNBO Bancorp, Inc., parent of 

Century Bank of Oklahoma, both in Pryor, 

Oklahoma, which owns a 51 percent interest in 

Century Home Mortgage of Oklahoma, LLC, 

Tulsa, Oklahoma, which owns a 32.67 percent 

interest in Oklahoma Mortgage Lenders, a series 

of The Lending Partners, Ltd., Plano, Texas.

YORKTOWN FINANCIAL 

HOLDINGS, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 603559 FARMERS ST BK, PHILLIPSBURG, KANSAS 06/25/2012 09/24/2012 S Small Bank

 227151 UNION ST BK, ARKANSAS CITY, KANSAS 06/25/2012 09/26/2012 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending October 6, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Frost Bank, San Antonio, Texas, to establish 

two branches at the following locations: 1111 

W. Beltline Road, Carrollton, Texas 75006; and 

6300 La Vista Road, Dallas, Texas 75214.

FROST BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by James Leon Bradley, Sr., individually 

and as Trustee of the Bradley 2012 Irrevocable 

Trust, Groesbeck, Texas; The Bradley 2012 

Irrevocable Trust, Groesbeck, Texas; Diana 

McBay Bradley, Groesbeck, Texas; Bryan Lee 

Bradley, Wortham, Texas; James Leon Bradley, 

Jr., Groesbeck, Texas; and Christopher Richard 

Bradley, Groesbeck, Texas, to retain 25 per cent 

or more of the shares in Groesbeck Bancshares, 

Inc., Groesbeck, Texas. Groesbeck Bancshares, 

Inc., controls Farmers State Bank, Groesbeck, 

Texas.

GROESBECK BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A5 Not available

10/19/2012

Henderson Citizens Bancshares, Inc., 

Henderson, Texas, to acquire by merger 100 

percent of First White Oak Bancshares, Inc., 

White Oak, Texas, and indirectly acquire White 

Oak State Bank, White Oak, Texas.

HENDERSON CITIZENS 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Treaty Oak Bank, Austin, Texas, to acquire 

through merger its affiliate Northstar Bank of 

Texas, Denton, Texas, pursuant to Section 18(c) 

of the Federal Deposit Insurance Act, and to 

establish branch offices at each of the present 

branch office locations of the target bank, and 

at its current head office location, pursuant to 

Section 9 of the Federal Reserve Act.

TREATY OAK BANK

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending October 6, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Thomas Galt Atwood, Glen Ellen, 

California, and Cypress Abbey Company, 

Colma, California, to retain 10 percent of more of 

the outstanding shares of capital stock of FNB 

Bancorp, and thereby indirectly retain voting 

shares of First National Bank of Northern 

California, both of South San Francisco, 

California.

FNB BANCORP

Newspaper:

Federal Register:

* 3A3 11/02/2012

11/02/2012

Grandpoint Capital, Inc., Los Angeles, 

California, to acquire California Community 

Bank, Escondido, California.

GRANDPOINT CAPITAL, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Grandpoint Capital, Inc., Los Angeles, 

California, to acquire 100 percent of Bank 

Capital Corporation and The Biltmore Bank of 

Arizona, both of Phoenix, Arizona.

GRANDPOINT CAPITAL, INC.

Newspaper:

Federal Register:

CIC Not available

10/17/2012

Notice by Tieming Chen, Missouri, Texas, to 

acquire voting shares of Oreintal 

Bancorporation and thereby indirectly acquire 

voting shares of Bank of The Orient, both of 

San Francisco, California.

ORIENT BANCORPORATION

* 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

 802866 SILICON VALLEY BK, SANTA CLARA, CALIFORNIA 05/21/2012 09/24/2012 S Strategic Plan

 256179 UTAH INDEP BK, SALINA, UTAH 06/04/2012 09/20/2012 O Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act