Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks;

Applications and Reports Received

No. 45

Week Ending November 9, 2013

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

Stress Testing -- issuance of final Policy Statement on the Scenario Design

Framework for Stress Testing.

- Approved, November 5, 2013

Reserve Bank Operations

Federal Reserve Bank of San Francisco -- appointment of Mark A. Gould as first vice

president and chief operating officer, effective February 1, 2014.

- Approved, November 5, 2013

Enforcement

FNB United Corp. (now known as CommunityOne Bancorp), Charlotte, North

Carolina -- written agreement dated October 21, 2010, terminated November 5, 2013.

- Announced, November 7, 2013

Highland Bancshares, Inc., St. Michael, Minnesota -- written agreement dated

August 20, 2010, terminated November 5, 2013.

- Announced, November 7, 2013

National Consumer Cooperative Bank, Washington, D.C. -- cease and desist order,

issued by the Office of Thrift Supervision, dated March 15, 2010, terminated

October 29, 2013.

- Announced, November 7, 2013

NCB Financial Corporation, Washington, D.C. -- cease and desist order, issued by

the Office of Thrift Supervision, dated March 15, 2010, terminated October 29, 2013.

- Announced, November 7, 2013

H.2 Board Actions November 3, 2013 to November 9, 2013

(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

November 3, 2013 to November 9, 2013

MA Monetary Affairs

Bank Branches, Domestic

Financial Federal Bank, Memphis, Tennessee -- to establish a branch at 1715 Aaron

Brenner Drive, Memphis.

St. Louis

- Approved, November 8, 2013

FirstBank, Lakewood, Colorado -- to establish a branch at 25541 East Smoky Hill

Road, Aurora.

Kansas City

- Approved, November 8, 2013

The Freedom Bank of Virginia, Vienna, Virginia -- to establish a branch at

11700 Plaza America Drive, Reston.

Richmond

- Approved, November 8, 2013

Bank Holding Companies

C1 Financial, Inc., St. Petersburg, Florida -- to become a bank holding company by

acquiring C1 Bank, St. Petersburg.

Atlanta

- Approved, November 8, 2013

Dairy State Bancorp, Inc., Rice Lake, Wisconsin -- to acquire Bank of Turtle Lake,

Turtle Lake.

Minneapolis

- Approved, November 8, 2013

(A/C) = Addition or Correction Delegated - 1 of 3
Bank Holding Companies

Heritage Group, Inc., Aurora, Nebraska -- waiver of application to acquire Peoples

Bancorp, Red Cloud, in connection with the merger of their respective subsidiaries,

Heritage Bank, Wood River, and Peoples-Webster County Bank, Red Cloud.

Kansas City

- Granted, November 8, 2013

Simmons First National Corporation, Pine Bluff, Arkansas -- to acquire Metropolitan

National Bank, Little Rock.

Secretary

- Approved, November 7, 2013

Summerfield Financial Services, LLC, Lincoln, Nebraska -- to acquire State Bank of

Chester, Chester.

Kansas City

- Approved, November 4, 2013

Bank Mergers

East West Bank, Pasadena, California -- to merge with Metro United Bank,

San Diego.

San Francisco

- Approved, November 8, 2013

East West Bank, Pasadena, California -- to merge with MetroBank, National

Association, Houston, Texas.

San Francisco

- Approved, November 8, 2013

H.2 Actions under delegated authority November 3, 2013 to November 9, 2013

(A/C) = Addition or Correction Delegated - 2 of 3
Bank Mergers

FirstBank, Lakewood, Colorado -- to purchase certain assets and assume certain

liabilities of a branch of Frontier Bank, FSB, dba El Paseo Bank, Palm Desert,

California.

Kansas City

- Approved, November 6, 2013

Change in Bank Control

Warroad Bancshares, Inc., Warroad, Minnesota -- to retain control of Warroad

Bancshares and its subsidiary, Security State Bank of Warroad, Warroad.

Minneapolis

- Permitted, November 8, 2013

Extensions of Time

Texas First Bank, Texas City, Texas -- extension to January 30, 2014, to acquire by

merger Hull State Bank, Hull, and to establish branches at 100 Walnut Lane, Hull,

and 2103 North Main Street, Liberty.

Dallas

- Granted, November 5, 2013

Savings and Loan Holding Companies

Lamplighter Financial, MHC, Wauwatosa, Wisconsin -- to convert from mutual to

stock form and merge with Waterstone Financial, Inc., Wauwatosa; for Waterstone

Financial, Inc. to merge into a new Maryland corporation named Waterstone

Financial, Inc.; and for that company to become a savings and loan holding company

by acquiring WaterStone Bank SSB, Wauwatosa.

Chicago

- Approved, November 6, 2013

H.2 Actions under delegated authority November 3, 2013 to November 9, 2013

(A/C) = Addition or Correction Delegated - 3 of 3
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending November 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 1

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending November 9, 2013

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 November 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 11/13/2013

11/12/2013

Robert T. Strong and Kathleen M. Strong, 

Southampton, PA, Brad C. Strong Cheltenham, 

PA, Julie M. Strong, Richboro, PA, Aimee K. 

Ott, Newtown, PA and Lawrence M. Ott, 

Langhorne, PA, to retain jointly 11.7% 

ownership of Quaint Oak Bancorp, Inc., 

Southampton, PA, and to potentially acquire up 

to 24.9%.

QUAINT OAK BANCORP INC

Newspaper:

Federal Register:

CIC 11/13/2013

11/12/2013

Amended and Restate Quaint Oak Bancorp, Inc. 

Employee Stock Ownership Plan, Southampton, 

PA, John J. Augustine, individually and trustee, 

and Dolores T. Augustine, both of Lansdale, 

PA, and Diane J. Colyer, individually and 

trustee, and Herbert C. Colyer, Jr., both of 

Feasterville, PA, to retain 16.0 percent 

ownership of the common stock of Quaint Oak 

Bancorp, Inc., Southampton, PA and potentially 

acquire up to 24.9 percent.

QUAINT OAK BANCORP INC

* 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 November 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 November 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

CapGen Capital Group III LLC and CapGen 

Capital Group III LP, both of New York, New 

York, to increase their investment up to 25% of 

the outstanding common stock of Seacoast 

Banking Corporation of Florida, Stuart, Florida, 

and thereby increase their investment in 

Seacoast National Bank, Stuart, Florida.

CAPGEN CAPITAL GROUP III 

LLC

* 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 November 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

08/08/2013

Banco De Credito E Inversiones, Empresas Juan 

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

Inversiones Baquio LTDA., Inversiones Nueve 

LTDA., and Administraciones Baquio LTDA., 

all of Santiago, Chile, to become bank holding 

companies by acquiring 100 percent of CM 

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

its subsidiary, City National Bank of Florida, 

Miami, Florida.

BANCO DE CREDITO E 

INVERSIONES S.A.

Newspaper:

Federal Register:

CIC Not available

Not available

After-the-fact change in control notice filed by 

Ben F. Easterlin IV and Tommye B. Easterlin, 

both of Atlanta, Georgia, to retain 27.63 percent 

of the outstanding shares of CBA Bankshares, 

Inc., and Citizens Bank of Americus, both of 

Americus, Georgia.

CBA BANKSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

First Vision Bank of Tennessee, Tullahoma, 11/07/2013

Tennessee, to establish a branch located at 303 

West Main Street, Murfreesboro, Tennessee.

FIRST VISION BANK OF 

TENNESSEE

Newspaper:

Federal Register:

CIC 10/30/2013

11/07/2013

After the fact change in control notice filed by 

Jane Bryant Banks, Mary Banks Garnand, James 

Banks Garnand, Daniel Michael Garnand, all of 

Eutaw, Alabama, to collectively retain 16.6 

percent of the outstanding voting shares of 

common stock of Merchants and Farmers 

Bancshares, Inc., and its subsidiary, Merchants 

& Farmers Bank of Greene County, both of 

Eutaw, Alabama.

MERCHANTS AND FARMERS 

BANCSHARES, INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

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

an international representative-administrative 

office located in Miami, Florida.

NCG BANCO, S.A.

* 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 November 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Central Bank, Storm Lake, Iowa, to purchase the 

assets and assume the liabilities of seven 

branch offices of Liberty Bank, FSB, West Des 

Moines, Iowa. In conjunction, Central Bank will 

establish 7 branch offices.

CENTRAL BANK

Newspaper:

Federal Register:

CIC 11/19/2013

11/12/2013

Filing by D. Robert Downing, Indianola, Iowa, 

to gain control of Central South Bancorporation, 

Inc., Indianola, Iowa, and thereby Peoples 

Savings Bank, Indianola, Iowa.

CENTRAL SOUTH 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Iowa State Bank, Hull, Iowa, to merge with Iowa 

State Bank, Remsen, Iowa. As a result of this 

merger, Iowa State Bank, Hull, Iowa, will 

establish a branch office at 17 West 2nd Street, 

Remsen, Iowa.

IOWA STATE BANK

Newspaper:

Federal Register:

PWI Not applicable

Not applicable

Letter from Lake Forest Bank & Trust Company, 

Lake Forest, Illinois, requesting authorization to 

proceed with the Loan Fund investment in the 

amount of $750,000.

LAKE FOREST BANK & TRUST 

COMPANY

Newspaper:

Federal Register:

CIC 11/18/2013

11/12/2013

The McKee Family Trust with David H. McKee 

as special voting trustee, and David H. McKee, 

individually and as special voting trustee of the 

McKee Family Trust, to acquire 25 percent or 

more of the voting shares of Midstate Financial 

Corporation, and thereby indirectly acquire 

control of Hendricks County Bank and Trust 

Company, both of Brownsburg, Indiana; and 

the McKee Family Trust with David H. McKee 

as special voting trustee to join the existing 

McKee Norris Family Control Group through 

the acquisition of shares of Midstate Financial 

Corporation and the indirect acquisition of 

shares of Hendricks County Bank and Trust 

Company.

MIDSTATE FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

PWI Not applicable

Not applicable

Letter from Northbrook Bank & Trust Company, 

Northbrook, Illinois, requesting authorization to 

proceed with the Loan Fund investment in the 

amount of $750,000.

NORTHBROOK BANK & TRUST 

COMPANY

Newspaper:

Federal Register:

* 3A3 11/19/2013

11/18/2013

Notice by Talmer Bancorp, Inc., Troy, Michigan, 

to acquire Michigan Commerce Bank, Ann 

Arbor, Michigan.

TALMER BANCORP 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 November 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Bank of Advance, Advance, Missouri, to 

become a member of the Federal Reserve 

System.

BANK OF ADVANCE, THE

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Bank of Cadiz & Trust Company, Cadiz, 

Kentucky, to become a member of the Federal 

Reserve System.

BANK OF CADIZ AND TRUST 

COMPANY

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Diamond Bank, Murfreesboro, Arkansas, to 

beome a member of the Federal Reserve System.

DIAMOND BANK

Newspaper:

Federal Register:

CIC Not available

11/27/2013

Notice by James Terill Wilson, Bronston, 

Kentucky, acting individually and in concert 

with a family control group, to gain control of 

First Bancorp, Inc., Russell Springs, Kentucky. 

The control group consists of Mr. Wilson, 

James T. Wilson, Jr., Sarah Wilson, James Terill 

Wilson IRA, James T. Wilson, Jr. Trust, Sarah 

Wilson Trust, James T. Wilson, Jr. Investment 

Trust, Sarah Wilson Investment Trust, all of 

Bronston, Kentucky, and Terry S. Wilson, 

Russell Springs, Kentucky.

FIRST BANCORP, 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

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 November 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

11/25/2013

Abdo Investments, Inc., Edina, Minnesota, to 

retain additional voting shares and acquire 

additional warrants on voting shares, thereby 

increasing its ownership interest to 28.00%, of 

Rivers Ridge Holding Company, Edina, 

Minnesota, which owns BankVista, Sartell, 

Minnesota.

ABDO INVESTMENTS, INC.

Newspaper:

Federal Register:

CIC Not available

11/15/2013

Change in Control Notice by Jay Abdo, 

Bloomington, Minnesota; Melody Borth, 

Mankato, Minnesota; Jill Hansen, Edina, 

Minnesota; Lynne Abdo, Norwalk, 

Connecticut; James Abdo, Edina, Minnesota; 

John Abdo, Saint Paul, Minnesota; and Paul 

Abdo, Edina, Minnesota, to retain 10% or more 

of the voting shares of Abdo Investments, Inc., 

Edina, Minnesota, and thereby indirectly retain 

control of Rivers Ridge Holding Company, 

Edina, Minnesota, which owns BankVista, 

Sartell, Minnesota.

ABDO INVESTMENTS, INC.

Newspaper:

Federal Register:

* 3A3 Not available

4c8 12/06/2013

Choice Financial Holdings, Inc., Grafton, North 

Dakota, to acquire 100% of Great Plains National 

Bank, Belfield, North Dakota. Choice Financial 

Holdings, Inc. also to acquire a 51% interest in 

Great Plains National Insurancy Agency, LLC, 

LaMoure, North Dakota, and thereby indirectly 

engage in general insurance agency activities in 

a community that has a population not 

exceeding 5,000.

CHOICE FINANCIAL HOLDINGS, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

11/29/2013

Independent Bancshares, Inc., Clarkfield, 

Minnesota, to acquire 100 percent of The 

Citizens State Bank of Olvia, Olivia, Minnesota.

INDEPENDENT BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC Not available

10/31/2013

Retroactive change in control notice by Karen 

Neidhardt, Tampa, Florida, individually and as 

trustee, to retain 25% or more of the shares and 

thereby control of Jorgenson Holding 

Company, Inc., Kenmare, ND. Jorgenson 

Holding Company controls State Bank and 

Trust of Kenmare, Kenmare, ND, and The 

Citizens State Bank at Mohall, Mohall, ND. In 

addition, Ann Lenore Musser Irrevocable Trust, 

Kenmare, ND, Karen Neidhardt and Jane Farris, 

co-trustees and Jane Ellen Neidhardt 

Irrevocable Trust, Kenmare, ND, Karen 

Neidhardt and Ann Musser, co-trustees are 

filing notice to retain shares of Jorgenson 

Holding Company and thereby join the 

Jorgenson family group that controls 25% or 

more of Jorgenson Holding Company.

JORGENSON HOLDING 

COMPANY

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending November 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/26/2013

The James M. and Devon J. Goetz Family Trust 

Five, Mandan, North Dakota, to acquire 25 

percent or more of the shares of Oliver 

Bancorporation, Inc., Center, North Dakota, and 

thereby indirectly gain control of Security First 

Bank of North Dakota, New Salem, North 

Dakota.

OLIVER BANCORPORATION, 

INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Peoples Bank of Wisconsin, Hayward, 

Wisconsin, to merge with Summit Community 

Bank, Maplewood, Minnesota, and incident 

thereto, establish a branch.

PEOPLES BANK OF WISCONSIN

* 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 November 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Ameri-National Corporation, Overland Park, 

Kansas, proposes to engage in lending 

activities.

AMERI-NATIONAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3 12/01/2013

12/02/2013

Banner County Ban Corporation Employee 

Stock Plan and Trust, to acquire up to an 

additional 11.17 percent for a total of 40.78 

percent of the voting shares of Banner County 

Ban Corporation, parent of Banner Capital Bank, 

all of Harrisburg, Nebraska.

BANNER COUNTY BAN 

CORPORATION EMPLOYEE 

STOCK PLAN AND TRUST

Newspaper:

Federal Register:

* 3A3 Not available

12/06/2013

Carroll County Bancshares, Inc., Carrollton, 

Missouri, to acquire up to 24.99 percent of the 

voting shares of Adams Dairy Bancshares, Inc., 

parent of Adams Dairy Bank, both in Blue 

Springs, Missouri.

CARROLL COUNTY 

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Farmers State Bank, Wallace, Nebraska, to 11/15/2013

establish a branch at 410 Rodeo Road, North 

Platte, Nebraska.

FARMERS STATE BANK

Newspaper:

Federal Register:

CIC Not available

10/15/2013

Notification by D Frank Plater, Jr., Oklahoma 

City, Oklahoma, to acquire control of FSB 

Investments, LLC, parent of The First State 

Bank, all of Oklahoma City, Oklahoma.

FSB INVESTMENTS, LLC

Newspaper:

Federal Register:

* 3A3 11/30/2013

12/02/2013

Geneva State Company, Geneva, Nebraska, to 

acquire 100 percent of the voting shares of and 

to merge with Riverdale Bancshares, Inc., parent 

of State Bank of Riverdale, both in Riverdale, 

Nebraska.

GENEVA STATE COMPANY

Newspaper:

Federal Register:

* 3A5

4c8

12/01/2013

12/02/2013

Nebraska Bankshares, Inc., Farnam, Nebraska, 

to acquire 100 percent of the voting shares of 

Stamford Banco, Inc., Stamford, Nebraska, 

parent of Community Bank, Alma, Nebraska, 

and thereby, to engage in general insurance 

activities.

NEBRASKA BANKSHARES, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Tri-County Bank, Cheyenne, Wyoming, to 12/09/2013

merge with and into Platte Valley Bank, 

Torrington, Wyoming, and incident thereto, to 

establish two branches, both in Cheyenne, 

Wyoming.

PLATTE VALLEY BANK

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending November 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8 08/13/2013

Ford Financial Fund II, L.P., Ford Management 

II, L.P., Ford Ultimate Management II, LLC, 2009 

TCRT, GJF Financial Management II, LLC, Ford 

Fund Investment LP, and LR Acquisition 

Company LLC, all of Dallas, Texas, each to 

become a bank holding company by directly or 

indirectly acquiring control of Metropolitan 

National Bank, Little Rock, Arkansas. 

Additionally, 2009 TCRT; GJF Financial 

Management II, LLC; Ford Ultimate 

Management II, LLC; and Ford Management II, 

L.P., all of Dallas, Texas, propose to engage de 

novo in financial and investment advisory 

activities pursuant to Section 225.28(b)(6) of 

Regulation Y.

2009 TCRT

Newspaper:

Federal Register:

4c8 Not applicable

11/26/2013

Retroactive notice by Central Texas Financial 

Corp., Cameron, Texas, to engage in lending 

activities pursuant to section 225.28(b)(1) of 

Regulation Y.

CENTRAL TEXAS FINANCIAL 

CORP.

Newspaper:

Federal Register:

* 3A5 Not available

Not available

FB Bancshares, Inc., Wichita Falls, Texas, to 

acquire by merger 100 percent of Byers 

Bancshares, Inc., and indirectly acquire First 

National Bank, both of Byers, Texas.

FB BANCSHARES, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

First National Bank in Graham, Graham, Texas, 

to become a member of the Federal Reserve 

System through the conversion from a national 

bank charter.

FIRST NATIONAL BANK IN 

GRAHAM

Newspaper:

Federal Register:

* Branch

Not applicable

Frost Bank, San Antonio, Texas to establish a 11/14/2013

branch at 1800 Post Oak Blvd., Houston, Texas 

77056.

FROST BANK

Newspaper:

Federal Register:

* SLHC Not available

Formation 11/15/2013

Grant Scott as Trustee of the Voting Trust 

Agreement dated as of December 6, 2012, 

Raleigh, North Carolina, to register as a savings 

and loan holding company through the 

acquisition of a controlling interest in NexBank 

Capital, Inc., and therefore indirectly, NexBank, 

State Savings Bank, both of Dallas, Texas.

GRANT SCOTT AS TRUSTEE OF 

THE VOTING TRUST 

AGREEMENT DATED AS OF 

DECEMER 6.2012

Newspaper:

Federal Register:

CIC 11/14/2013

11/15/2013

Retroactive notice by Home Federal Bank 

Employee Stock Ownership Plan and Trust, 

Shreveport, Louisiana; James R. Barlow, 

Shreveport, Louisiana, individually and as 

co-Trustee of Home Federal Bank Employee 

Stock Ownership Plan and Trust; and Clyde D. 

Patterson, Shreveport, Louisiana, individually 

and as co-Trustee of Home Federal Bank 

Employee Stock Ownership Plan and Trust, to 

acquire 10 percent or more of the shares and 

thereby control of Home Federal Bancorp, Inc., 

and its subsidiary Home Federal Bank, both of 

Shreveport, Louisiana.

HOME FEDERAL BANCORP, 

INC. OF LOUISIANA

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

Federal Reserve Bank of Dallas

Filings received during the week ending November 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 11/17/2013

11/26/2013

Park Cities Financial Group, Inc., Dallas, Texas, 

to become a bank holding company through the 

acquisition of 100 percent of Park Cities Bank, 

Dallas, Texas.

PARK CITIES FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Retroactive notice by George W. Cummings, III 

and Nanette Weaver Cummings, both of 

Monroe, Louisiana; George W.Cummings, Jr., 

Monroe, Louisiana; Twist Family, LLP, Dallas, 

Texas; Randall Twist, Dallas, Texas; Dewey F. 

Weaver Jr., Monroe, Louisiana;, Colby Weaver, 

Monroe, Louisiana; and Dewey Weaver, III, 

West Monroe, Louisiana; to acquire and control 

greater than 10 percent of Progressive Bancorp, 

Inc., Monroe, Louisiana, and indirectly, 

Progressive Bank, Monroe, Louisiana.

PROGRESSIVE BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

12/08/2013

SP Bancorp, Inc., Plano, Texas, to become a 

bank holding company through the acquisition 

of 100 percent of Share Plus Bank, Plano, Texas 

(the resulting institution from the conversion of 

Share Plus Federal Bank, a federal savings 

association, to a commercial bank charter).

SP BANCORP, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Texas Community Bank, National Association, 

Laredo, Texas, to become a member of the 

Federal Reserve System through the conversion 

from a national bank charter.

TEXAS COMMUNITY BANK, 

NATIONAL ASSOCIATION

* 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 November 9, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Bank Control Notice by The Ricco 

Lagomarsino Testamentary Trust, Daly City, 

California, and a group consisting of Lisa 

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

Anne Lassahn, (Trustees of the Trust), and 

Dolores Togneri, Lora Angelot, and Eric 

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

excess of 10 percent of FNB Bancorp and 

thereby indirect control of First National Bank 

of Northern California, both of South San 

Francisco, California.

FNB BANCORP

Newspaper:

Federal Register:

CIC Not available

10/24/2013

Change in Bank Control Notice by Alex 

Meruelo, Newport Coast, California, to acquire 

up to 89 percent of NCAL Bancorp, and thereby 

indirectly acquire National Bank of California, 

both of Los Angeles, California.

NCAL 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