Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 21 

Week Ending May 25, 2013

Board of Governors of the Federal Reserve System, Washington, DC 20551
Testimony and Statements

The Economic Outlook -- statement by Chairman Bernanke before the Joint 

Economic Committee of the U.S. Congress on the economic outlook and economic 

policy.

- Published, May 22, 2013

Regulations and Policies

Credit Card Plans -- annual report to Congress on the profitability of credit card 

operations of depository institutions.

- Approved, May 22, 2013

Small Debit Card Issuers -- issuance of a report on the impact of Regulation II (Debit 

Card Interchange Fees and Routing) on small debit card issuers and annual list of the 

average interchange fees each network provides to non-exempt and exempt issuers.

- Approved, May 21, 2013

Enforcement

The Tysan Corporation, Minneapolis, Minnesota -- written agreement dated April 20, 

2009, terminated May 15, 2013.

- Announced, May 21, 2013

H.2 Board Actions May 19, 2013 to May 25, 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

May 19, 2013 to May 25, 2013

MA Monetary Affairs

Bank Branches, Domestic

Brookline Bank, Brookline, Massachusetts -- to establish a branch at 456 Main 

Street, Waltham.

Boston

- Approved, May 24, 2013

First Nebraska Bank, Valley, Nebraska -- to establish four mobile branches in Valley, 

Bennet, Emerson, and Stanton to operate in and around the respective communities.

Kansas City

- Approved, May 22, 2013

KCB Bank, Kearney, Missouri -- to establish a branch at Northridge Center, 

13100 Kansas Avenue, Bonner Springs, Kansas.

Kansas City

- Approved, May 22, 2013

Bank Holding Companies

Big Sky Holding Company, Stanford, Montana -- to purchase the assets and assume 

the liabilities of N.B. Matthews Insurance Agency, Stanford, and thereby engage in 

insurance agency activities in a town with a population not exceeding 5,000.

Minneapolis

- Approved, May 21, 2013

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

BOR Bancorp, Rothville, Missouri -- waiver of application to acquire Napoleon 

Bank, Napoleon, in connection with its merger with and into Bancorp's subsidiary, 

Preferred Bank, Rothville.

Kansas City

- Granted, May 23, 2013

CedarStone Financial, Inc., Lebanon, Tennessee -- to become a bank holding 

company by acquiring CedarStone Bank, Lebanon.

Atlanta

- Approved, May 24, 2013

FBC Bancshares, Inc., Conroe, Texas -- to become a bank holding company by 

acquiring First Bank, N.A., Conroe.

Dallas

- Approved, May 22, 2013

Goering Management Company, LLC, Moundridge, Kansas, and Goering Financial 

Holding Company Partnership, L.P. -- to retain shares of Bon, Inc., Moundridge, and 

its subsidiaries, Home State Bank & Trust Co., McPherson, and The Citizens State 

Bank, Moundridge.

Kansas City

- Approved, May 24, 2013

Hopfed Bancorp, Inc., Hopkinsville, Kentucky -- to become a bank holding company 

through the conversion of its subsidiary federal savings bank, Heritage Bank, 

Hopkinsville, to a state-chartered commercial bank.

St. Louis

- Approved, May 20, 2013

H.2 Actions under delegated authority May 19, 2013 to May 25, 2013

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

J & B Financial Holdings, Inc., Minneapolis, Minnesota -- to become a bank holding 

company by acquiring Mills Resolute Bank, Sanborn.

Minneapolis

- Approved, May 24, 2013

Lakeland Bancorp, Inc., Oak Ridge, New Jersey -- waiver of application to acquire 

Somerset Hills Bancorp, Bernardsville, in connection with the merger of their 

respective subsidiaries, Lakeland Bank, Newfoundland, and Somerset Hills Bank, 

Bernardsville.

New York

- Granted, May 21, 2013

Southwest Bancshares, Inc., San Antonio, Texas -- to acquire San Antonio 

Capital & Trust Holdings, LLC, San Antonio, and indirectly acquire San Antonio 

Capital & Trust Company, LLC; San Antonio Trust Company, LTA; and San 

Antonio Capital Management, LLC, and thereby engage in trust company functions 

and financial and investment advisory activities.

Dallas

- Approved, May 23, 2013

Tri-County Financial Group, Inc., Mendota, Illinois -- waiver of application to 

acquire Lincoln Bancorp, Inc., Rochelle, in connection with the merger of their 

respective subsidiaries, First State Bank, Mendota, and Lincoln State Bank, S.B., 

Rochelle.

Chicago

- Granted, May 23, 2013

H.2 Actions under delegated authority May 19, 2013 to May 25, 2013

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

The Westmoreland Company, Inc., Huntsville, Alabama -- relief from certain 

commitments.

Director, BS&R

- Granted, May 20, 2013

Change in Bank Control

F & M Bancshares, Inc., De Leon, Texas -- change in bank control of F & M 

Bancshares and its subsidiary, Farmers and Merchants Bank, De Leon.

Dallas

- Permitted, May 23, 2013

Finlayson Bancshares, Inc., Finlayson, Minnesota -- change in bank control of 

Finlayson Bancshares and its subsidiaries, Northview Bank, Sandstone, and First 

Independent Bank, Russell.

Minneapolis

- Permitted, May 24, 2013

Greenwoods Financial Group, Inc., Lake Mills, Wisconsin -- change in bank control 

of Greenwoods Financial Group and its subsidiary, The Greenwood's State Bank, 

Lake Mills.

Chicago

- Permitted, May 20, 2013

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

Bancshares and its subsidiary, First National Bank of Menahga & Sebeka, Menahga.

Minneapolis

- Permitted, May 21, 2013

H.2 Actions under delegated authority May 19, 2013 to May 25, 2013

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

Federal Reserve Bank of Boston

Filings received during the week ending May 25, 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 Third Quarter of 2013 (July 1, 2013 - September 30, 2013)

Institution Location

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

Federal Reserve Bank of New York

Filings received during the week ending May 25, 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 Third Quarter of 2013 (July 1, 2013 - September 30, 2013)

Institution Location

ADIRONDACK BK UTICA, NEW YORK

BANK OF NY MELLON NEW YORK, NEW YORK

FIVE STAR BK WARSAW, NEW YORK

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending May 25, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5

* 18C

06/26/2013

06/24/2013

Bryn Mawr Bank Corporation, Bryn Mawr, PA, 

to acquire Midcoast Community Bancorp, 

Wilmington, DE, and subsequently Midcoast 

Community Bank, Wilmington, DE will merge 

with and into Bryn Mawr Trust Company, Bryn 

Mawr, PA.

BRYN MAWR BANK 

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Fleetwood Bank, Fleetwood, PA, to establish a 06/03/2013

branch office at 1150 Berkshire Boulevard, Suite 

130, Wyomissing, PA.

FLEETWOOD BANK

Newspaper:

Federal Register:

* 3A5 06/18/2013

06/14/2013

Riverview Financial Corp, Marysville,PA to 

acquire 100 percent of Union Bancorp, Inc. 

Pottsville, PA.

RIVERVIEW FINANCIAL 

CORPORATION

* 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 Third Quarter of 2013 (July 1, 2013 - September 30, 2013)

Institution Location

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

Federal Reserve Bank of Cleveland

Filings received during the week ending May 25, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

Not available

F.N.B. Corporation, Hermitage, Pennsylvania to 

acquire 100 percent of the voting shares of PVF 

Capital Corporation, Solon, Ohio, Pennsylvania, 

and thereby indirectly acquire Parkview Federal 

Savings Bank, Solon, Ohio pursuant to section 

4(c)(8) of the Bank Holding Company Act

F.N.B. CORPORATION

* 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 Third Quarter of 2013 (July 1, 2013 - September 30, 2013)

Institution Location

COMMERCIAL & SVG BK MILLERSBURG, OHIO

MARBLEHEAD BK MARBLEHEAD, OHIO

PORTAGE CMNTY BK RAVENNA, OHIO

WHITAKER BK LEXINGTON, KENTUCKY

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

Federal Reserve Bank of Richmond

Filings received during the week ending May 25, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Bank of America, N.A., Charlotte, North 

Carolina, to make an investment of $4.6 billion in 

Banc of America Securities Limited, London, 

England.

BANK OF AMERICA, 

NATIONAL ASSOCIATION

Newspaper:

Federal Register:

* 3A1

Not available

Virginia National Bankshares Corporation, 05/17/2013

Charlottesville, Virginia, to become a bank 

holding company by acquiring 100% of the 

voting shares of Virginia National Bank, 

Charlottesville, Virginia.

VIRGINIA NATIONAL 

BANKSHARES CORPORATION

* 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 Third Quarter of 2013 (July 1, 2013 - September 30, 2013)

Institution Location

BANK OF LANCASTER KILMARNOCK, VIRGINIA

BANK OF MARION MARION, VIRGINIA

CAPON VALLEY BK WARDENSVILLE, WEST VIRGINIA

CECIL BK ELKTON, MARYLAND

CLEAR MNT BK BRUCETON MILLS, WEST VIRGINIA

EAGLEBANK BETHESDA, MARYLAND

LIBERTY BK OF MD BALTIMORE, MARYLAND

MAINSTREET BK FAIRFAX, VIRGINIA

NEW PEOPLES BK HONAKER, VIRGINIA

OLD LINE BK BOWIE, MARYLAND

VIRGINIA PTNR BK FREDERICKSBURG, VIRGINIA

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

Federal Reserve Bank of Atlanta

Filings received during the week ending May 25, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Keystone Bancshares, Inc., notice to become a 

bank holding company by acquiring Keystone 

Bank, both of Auburn, Alabama.

Keystone Bancshares, Inc.

Newspaper:

Federal Register:

CIC 06/20/2013

06/12/2013

Prior change in control notice filed by Barrett 

Capital Investments, LP, John Barrett, General 

Partner and Susan Barrett, General Partner, to 

acquire an additional 3.69 percent of the 

outstanding shares of NBG Bancorp, Inc., and 

its subsidiary, National Bank of Georgia, all of 

Athens, Georgia. Total pro forma ownership 

will equal 14.12 percent.

NBG BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Progress Financial Corporation, notice to 

become a bank holding company by acquiring 

100 percent of the outstanding shares of 

Progress Bank and Trust, both of Huntsville, 

Alabama.

PROGRESS FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

SmartBank, Pigeon Forge, Tennessee, to 06/05/2013

establish a branch located at 201 North Palafox 

Street, Pensacola, Florida 32502.

SMARTBANK

* 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 Third Quarter of 2013 (July 1, 2013 - September 30, 2013)

Institution Location

BRAND BKG CO LAWRENCEVILLE, GEORGIA

CCB CMNTY BK ANDALUSIA, ALABAMA

STATE B&TC MACON, GEORGIA

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

Federal Reserve Bank of Chicago

Filings received during the week ending May 25, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

06/14/2013

Chief Iowa Investment Corporation, Clive, Iowa, 

to become a bank holding company by 

acquiring 100 percent of Montezuma State Bank, 

Montezuma, Iowa.

CHIEF IOWA INVESTMENT 

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Main Street Bank, Bingham Farms, Michigan, to 05/31/2013

establish a branch at 363 Big Beaver Road, 

Troy, Michigan.

MAIN STREET BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Morton Community Bank, Morton, Illinois, to 06/06/2013

establish a branch located at 201 Clock Tower 

Drive, East Peoria, Illinois.

MORTON COMMUNITY BANK

* 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 Third Quarter of 2013 (July 1, 2013 - September 30, 2013)

Institution Location

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

Federal Reserve Bank of St. Louis

Filings received during the week ending May 25, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 05/29/2013

establish a branch facility to be located at 2389 

N. College Avenue, Fayetteville, Arkansas.

ARVEST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

BankTennessee, Collierville, Tennessee, to 06/01/2013

establish a branch located at 13690 Highway 51 

South, Suite 107, Atoka, Tennessee.

BANKTENNESSEE

Newspaper:

Federal Register:

* Branch

Not applicable

Centennial Bank, Conway, Arkansas, to 05/30/2013

establish a branch location at 34855 Highway 98 

East, Destin, Florida.

CENTENNIAL BANK

Newspaper:

Federal Register:

CIC

Not available

Notice by Charles R. Soward, Rosiclare, Illinois 06/12/2013

and Kimberly A. Cotton, Henderson, Kentucky, 

individually, to gain control of Hardin County 

Bancorp, Rosiclare, Illinois.

HARDIN COUNTY BANCORP, 

INC

Newspaper:

Federal Register:

* 3A1 06/16/2013

06/20/2013

Sigma Holdings, Inc., Little Rock, Arkansas, to 

become a bank holding company by acquiring 

100 percent of The Bank of Rison, Rison, 

Arkansas.

SIGMA HOLDINGS 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 Third Quarter of 2013 (July 1, 2013 - September 30, 2013)

Institution Location

BANK OF BARTLETT BARTLETT, TENNESSEE

BANK OF HALLS HALLS, TENNESSEE

BANKFIRST FINANCIAL SVC MACON, MISSISSIPPI

CENTENNIAL BK CONWAY, ARKANSAS

EVOLVE B&TC WEST MEMPHIS, ARKANSAS

GATES BKG&TC GATES, TENNESSEE

HEARTLAND BK BRYANT, ARKANSAS

MONTICELLO BKG CO MONTICELLO, KENTUCKY

SOUTHERN BK POPLAR BLUFF, MISSOURI

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending May 25, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control notice by Devon Joan Goetz, 

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:

CIC Not available

Not available

Change in Control notice by Sarah Marie 

Getzlaff, Bismarck, North Dakota, to retain 

voting shares of Oliver Bancorporation, Inc., 

Center, North Dakota, which owns Security First 

Bank of North Dakota, New Salem, North 

Dakota, and thereby join the Goetz family group 

which controls 25% or more of Oliver 

Bancorporation, Inc.

OLIVER BANCORPORATION, 

INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Third Quarter of 2013 (July 1, 2013 - September 30, 2013)

Institution Location

CITIZENS B&TC BIG TIMBER, MONTANA

FIRST INTRST BK BILLINGS, MONTANA

PIONEER BK MAPLETON, MINNESOTA

SECURITY FNCL BK DURAND, WISCONSIN

WELCOME ST BK WELCOME, MINNESOTA

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

Federal Reserve Bank of Kansas City

Filings received during the week ending May 25, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Colorado Community Bank, Yuma, Colorado, to 05/30/2013

establish a branch at 615 West 8th Street, Yuma, 

Colorado.

COLORADO COMMUNITY 

BANK

Newspaper:

Federal Register:

* Branch

Not applicable

FirstBank, Lakewood, Colorado, to establish a 05/31/2013

branch at 601 East Hopkins Avenue, Unit 1, 

Aspen, Colorado.

FIRSTBANK

Newspaper:

Federal Register:

CIC Not available

Not available

Notification by Joshua C. Rowland, Kansas 

City, Missouri, to acquire control of Lead 

Financial Group, Inc., parent of Lead Bank, both 

in Garden City, Missouri, as a member of the 

Rowland family control group.

LEAD FINANCIAL GROUP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notification by Ann E. Freeman, Texhoma, 

Oklahoma; the John L. Freeman 2012 Trust, 

Guymon, Oklahoma, Jacqueline Freeman, 

Texhoma, Oklahoma, trustee; all as members of 

the Freeman family control group, to acquire 

control of Texhoma Bancshares, Inc., parent of 

Anchor D Bank, both in Texhoma, Oklahoma.

TEXHOMA BANCSHARES, 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

NONE

CRA Examinations scheduled for Third Quarter of 2013 (July 1, 2013 - September 30, 2013)

Institution Location

ADAMS B&TC OGALLALA, NEBRASKA

COBIZ BK DENVER, COLORADO

COMMUNITY B&TC NEOSHO, MISSOURI

EQUITY BK ANDOVER, KANSAS

FARMERS BK OF LINCOLN LINCOLN, MISSOURI

FARMERS ST BK STANBERRY, MISSOURI

LAMAR B&TC LAMAR, MISSOURI

METCALF BK LEES SUMMIT, MISSOURI

ROSE HILL BK ROSE HILL, KANSAS

RSNB BK ROCK SPRINGS, WYOMING

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

Federal Reserve Bank of Dallas

Filings received during the week ending May 25, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

06/21/2013

Commercial Bancshares, Inc. of El Campo, 

Texas, to acquire by merger 100 percent of City 

State Bancshares, Inc., and indirectly acquire 

City State Bank, both of Palacios, Texas.

COMMERCIAL BANCSHARES, 

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Frost Bank, San Antonio, Texas, to establish a 05/24/2013

branch to be located at 9300 Kirby Drive, Suite 

600, Houston, Texas 77054.

FROST BANK

Newspaper:

Federal Register:

* 3A1 Not available

06/14/2013

Pioneer Bancshares, Inc., Dripping Springs, 

Texas, to become a bank holding company by 

acquiring 100 percent of Pioneer Bank, State 

Savings Bank, Dripping Springs, Texas.

PIONEER BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

06/04/2013

Notice by Ray Mark Bain, Lubbock, Texas, 

individually, as co-trustee of the RMB 2012 

Family Trust, trustee of the Ray Mark Bain 2007 

Trust, and trustee of the Ray Mark Bain 

Children's Trust; Michael Lewis Bain, Canyon, 

Texas, individually, as co-trustee of the RMB 

2012 Family Trust, trustee of the Michael L. Bain 

2007 Trust, and trustee of the Michael L. Bain 

Children's Trust; and Nancy Bain Seybert, 

Perryton, Texas, individually, as trustee of the 

Nancy Bain Seybert 2007 Trust, and trustee of 

the Nancy Bain Seybert Children's Trust; 

Dimmitt, Texas; collectively a group acting in 

concert, to control, retain and acquire greater 

than 25 percent of Plains Bancorp, Inc., Dimmitt, 

Texas, and therefore, indirectly, First United 

Bank, Dimmitt, Texas.

PLAINS BANCORP, 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

NONE

CRA Examinations scheduled for Third Quarter of 2013 (July 1, 2013 - September 30, 2013)

Institution Location

COMMUNITY BK FORT WORTH, TEXAS

COMMUNITY TR BK CHOUDRANT, LOUISIANA

CROWELL ST BK CROWELL, TEXAS

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

Federal Reserve Bank of San Francisco

Filings received during the week ending May 25, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

05/24/2013

CITIC Group Corporation and CITIC Limited, 

both of Bejing, The People's Republic of China, 

to indirectly acquire CLSA Americas, LLC, New 

York, New York, and thereby engage in certain 

permissible nonbanking activities under Section 

225.28(b)(6) and b(7) of Regulation Y.

CITIC GROUP CORPORATION

* 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 Third Quarter of 2013 (July 1, 2013 - September 30, 2013)

Institution Location

BANK OF UT OGDEN, UTAH

COASTAL CMNTY BK EVERETT, WASHINGTON

COMMENCEMENT BK TACOMA, WASHINGTON

FARMERS & MRCH BK LONG BEACH, CALIFORNIA

OAK VALLEY CMNTY BK OAKDALE, CALIFORNIA

PACIFIC ENT BK IRVINE, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act