Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks;

Applications and Reports Received

No. 29

Week Ending July 20, 2013

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

Monetary Policy -- statement by Chairman Bernanke before the House Committee on

Financial Services on July 17 and the Senate Committee on Banking, Housing, and

Urban Affairs on July 18, 2013, on the semiannual monetary policy report to the

Congress.

- Published, July 17, 2013

Forms

Forms -- initial Board review to revise without extension the Consolidated Financial

Statements for Holding Companies (FR Y-9C) and the Parent Company Only

Financial Statements for Small Holding Companies (FR Y-9SP).

- Proposed, July 15, 2013

Forms -- final Board review to extend with revision the Report of Selected Balance

Sheet Items for Discount Window Borrowers (FR 2046) and to implement the

Payments Research Survey (FR 3067).

- Approved, July 18, 2013

Regulations and Policies

Prepaid Cards -- annual report to Congress on government-administered, general-use

prepaid cards, in accordance with the Dodd-Frank Act.

- Approved, July 18, 2013

Enforcement

Cascade Bancorp, Bend, Oregon -- written agreement dated October 26, 2009,

terminated July 10, 2013.

- Announced, July 16, 2013

Citizens Bancshares Co., Chillicothe, Missouri -- written agreement dated June 21,

2010, terminated July 15, 2013.

- Announced, July 18, 2013

H.2 Board Actions July 14, 2013 to July 20, 2013

(A/C) = Addition or Correction Board - Page 1 of 2
Enforcement

Minster Bank, Minster, Ohio -- issuance of a consent order of assessment of a civil

money penalty.

- Announced, July 18, 2013

Reliance Bancshares, Inc., Des Peres, Missouri -- written agreement dated July 14,

2011, terminated July 10, 2013.

- Announced, July 16, 2013

Rocky Mountain Bank, Wilson, Wyoming -- written agreement dated January 20,

2011, terminated July 10, 2013.

- Announced, July 16, 2013

H.2 Board Actions July 14, 2013 to July 20, 2013

(A/C) = Addition or Correction Board - Page 2 of 2
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

July 14, 2013 to July 20, 2013

MA Monetary Affairs

Bank Branches, Domestic

Franklin Synergy Bank, Franklin, Tennessee -- to establish branches at 40 Moss Lane

and at 3301 Aspen Grove Drive, Franklin (two notices).

Atlanta

- Approved, July 18, 2013

Bank Holding Companies

Chief Iowa Investment Corporation, Clive, Iowa -- to become a bank holding

company by acquiring Montezuma State Bank, Montezuma.

Chicago

- Approved, July 16, 2013

Commerce Bancshares, Inc., Kansas City, Missouri, and CBI-Kansas, Inc. -- waiver

of application to acquire Summit Bancshares, Inc., Tulsa, Oklahoma, in connection

with the merger of their respective subsidiaries, Commerce Bank, Kansas City, and

Summit Bank, Tulsa.

Kansas City

- Granted, July 19, 2013

CrossFirst Holdings, LLC, Leawood, Kansas, and CrossFirst Bank -- waiver of

application to acquire Tulsa National Bancshares, Inc., Tulsa, Oklahoma, in

connection with the merger of CrossFirst Bank and Tulsa National's subsidiary, Tulsa

National Bank, Tulsa.

Kansas City

- Granted, July 19, 2013

(A/C) = Addition or Correction Delegated - 1 of 5
Bank Holding Companies

First Security Bancorp, Searcy, Arkansas -- waiver of application to indirectly

acquire Tulsa National Bancshares, Inc., Tulsa, Oklahoma, in connection with the

merger of Tulsa National Bank, Tulsa, and CrossFirst Bank, Leawood, Kansas.

Kansas City

- Granted, July 19, 2013

Overton Financial Corporation, Overton, Texas -- applications to acquire indirectly

through two Delaware subsidiary companies shares of Longview Financial

Corporation, Longview, and its subsidiary, Texas Bank and Trust Company.

Dallas

- Approved, July 18, 2013

Bank Mergers

The Bank at Broadmoor, Colorado Springs, Colorado -- to merge with Colorado

Community Bank, Highlands Ranch (with the resulting bank to be known as

Northstar Bank of Colorado), establish branches, retain its former main office as a

branch, and relocate its main office to 6654 Timberline Road, Highlands Ranch.

Kansas City

- Approved, July 19, 2013

Commerce Bank, Kansas City, Missouri -- to merge with Summit Bank, Tulsa,

Oklahoma, and thereby establish a branch.

Kansas City

- Approved, July 19, 2013

H.2 Actions under delegated authority July 14, 2013 to July 20, 2013

(A/C) = Addition or Correction Delegated - 2 of 5
Banks, Nonmember, and Miscellaneous Institutions

Castle Creek Capital, Rancho Santa Fe, California -- request for an exemption under

the Depository Institution Management Interlocks Act and Regulation L.

General Counsel

- Granted, July 15, 2013

Change in Bank Control

Enterprise Capital Corporation, Inc., Enterprise, Alabama -- change in bank control

of Enterprise Capital Corporation and its subsidiary, The Citizens Bank, Enterprise.

Atlanta

- Permitted, July 16, 2013

Hardin County Bancorp, Inc., Rosiclare, Illinois -- change in bank control of Hardin

County Bancorp and its subsidiary, Area Bank, Rosiclare.

St. Louis

- Permitted, July 18, 2013

NBG Bancorp, Inc., Athens, Georgia -- change in bank control of NBG Bancorp and

its subsidiary, The National Bank of Georgia, Athens.

Atlanta

- Permitted, July 19, 2013

Overton Financial Services, Inc., Livingston, Tennessee -- change in bank control of

Overton and its subsidiary, Union Bank & Trust Company, Livingston.

Atlanta

- Permitted, July 15, 2013

H.2 Actions under delegated authority July 14, 2013 to July 20, 2013

(A/C) = Addition or Correction Delegated - 3 of 5
Change in Bank Control

Plains Bancorp, Inc., Dimmitt, Texas -- change in bank control of Plains Bancorp and

its subsidiary, First United Bank, Dimmitt.

Dallas

- Permitted, July 15, 2013

Currency

Federal Reserve notes -- print order for fiscal year 2014.

Director, RBOPS

- Approved, July 18, 2013

Extensions of Time

Canadian Imperial Bank of Commerce, Toronto, Canada -- request for a 24-month

transition period for the New York agency of Canadian Imperial Bank of Commerce

under section 716(f) of the Dodd-Frank Act.

Director, BS&R

- Granted, July 15, 2013

International Brotherhood of Boilermakers, Iron Ship Builders, Blacksmiths, Forgers

and Helpers, Kansas City, Kansas -- extension to July 20, 2014, to acquire shares of

Brotherhood Bancshares, Inc., Kansas City, and its subsidiary, The Brotherhood

Bank & Trust Company.

Kansas City

- Granted, July 19, 2013

JPMorgan Chase & Co., New York, New York -- extension of time to divest a

merchant banking investment.

Director, BS&R

- Granted, July 17, 2013

H.2 Actions under delegated authority July 14, 2013 to July 20, 2013

(A/C) = Addition or Correction Delegated - 4 of 5
Extensions of Time

Standard Chartered Bank, London, United Kingdom -- request for a 24-month

transition period for the New York branch of Standard Chartered Bank under section

716(f) of the Dodd-Frank Act.

Director, BS&R

- Granted, July 15, 2013

Toronto-Dominion Bank, Toronto, Canada -- request for a 24-month transition period

for the New York branch of Toronto-Dominion Bank under section 716(f) of the

Dodd-Frank Act.

Director, BS&R

- Granted, July 15, 2013

Financial Holding Companies

Independent Alliance Banks, Inc., Fort Wayne, Indiana -- election to become a

financial holding company.

Chicago

- Effective, July 17, 2013

H.2 Actions under delegated authority July 14, 2013 to July 20, 2013

(A/C) = Addition or Correction Delegated - 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending July 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

* 3A5

08/12/2013

08/12/2013

Application by Independent Bank Corp, 

Rockland, Massachusetts, to acquire 

Mayflower Bancorp, Inc. and its subsidiary 

bank, Mayflower Co-operative Bank, both of 

Middleboro, Massachusetts, pursuant to 

sections 3(a)(3) and 3(a)(5) of the Bank Holding 

Company Act of 1956, as amended.

INDEPENDENT BANK CORP.

* 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 July 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA

Not applicable

Caixabank SA, Barcelona, Spain, to establish a 08/10/2013

representative office in New York, New York, 

pursuant to Section 10(a) of the International 

Banking Act of 1978, as amended, and Section 

211.24(a)(1) of Regulation K.

CAIXABANK SA

* 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 July 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* MHC Not available

Conversion

* SLHC 

Formation

07/15/2013

Delanco, MHC, Delanco, NJ, proposes to 

convert to stock form and merge with and into 

Delanco Bancorp, Inc., Delanco, New Jersey, 

which proposes to become a savings and loan 

holding company by acquiring Delanco Federal 

Savings Bank, Delanco, NJ.

DELANCO, MHC

Newspaper:

Federal Register:

* 3A1 08/23/2013

08/12/2013

Fox Chase Bancorp, Inc., Hatboro, PA, to 

become a bank holding company in connection 

with the proposed conversion of Fox Chase 

Bank, Hatboro, PA to a state saving bank 

charter.

FOX CHASE 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 July 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 08/06/2013

08/06/2013

Notice of Change in Bank Control by ESB 

Financial Corporation Employee Stock 

Ownership Plan, Ellwood City, PA; Mario John 

Manna, Trustee, Coraopolis, PA; Mario John 

Manna's IRA Account; Claudia Brown Moore, 

Coraopolis, PA; Claudia Brown Moore's IRA 

Account; and Dolores Silvestri to retain 

ownership/control of 17.8% of the outstanding 

voting shares of ESB Financial Corporation, 

Ellwood City, PA and of their intent to acquire 

up to 24.9% of the outstanding voting shares of 

ESB Financial Corporation which owns ESB 

Bank, Ellwood City, PA.

ESB FINANCIAL 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 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 July 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 July 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

07/05/2013

Ameris Bancorp, Moultrie, Georgia, to merge 

with The Prosperity Banking Company, St. 

Augustine, Florida, and thereby acquire its 

subsidiary, Prosperity Bank, St. Augustine, 

Florida.

AMERIS BANCORP

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:

* 3A1 Not available

07/18/2013

FBDC Financial Corp., to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of First Fidelity Bank, 

both of Fort Payne, Alabama.

FBDC FINANCIAL CORP.

Newspaper:

Federal Register:

CIC Not available

07/12/2013

After-the-fact change of control notice filed by 

Louisiana Bancorp, Inc. Employee Stock 

Ownership Plan (ESOP), George Vernon Curry, 

Jr., and Lisa Rae Whittington, the trustees of 

the ESOP, both of Metairie, Louisiana, to retain 

approximately 17.9 percent of the outstanding 

shares and to acquire additional shares not to 

exceed 24.9 percent of the shares of Louisiana 

Bancorp, Inc. and its subsidiary, Bank of New 

Orleans, both of Metairie, Louisiana.

LOUISIANA BANCORP, 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.

Newspaper:

Federal Register:

PWI Not applicable

Not applicable

Regions Bank, Birmingham, Alabama, request 

for approval to make 31 low income housing 

public welfare investments

REGIONS BANK

* 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 July 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* MHC Not available

Conversion 07/12/2013

AJS Bancorp, MHC, a federally chartered 

mutual holding company, to convert to stock 

form and merge with AJS Bancorp, Inc., a 

federal corporation, both in Midlothian, Illinois. 

AJS Bancorp, Inc. will be merged into a new 

Maryland corporation named AJS Bancorp, Inc., 

which proposes to become a savings and loan 

holding company by acquiring 100 percent of 

the voting shares of A.J. Smith Federal Savings 

Bank, Midlothian, Illinois.

AJS BANCORP, MHC

Newspaper:

Federal Register:

CIC 07/29/2013

06/27/2013

Notice by the Downing Family (D. Robert and 

Ardene K. Downing, Kamie Lynn-Downing and 

Gary L. Haynes, and Karey Downing and Todd 

R. Bishop, and Downing Family Investments, 

Inc., all of Indianola, Iowa) together as a group 

acting in concert, to retain control of Central 

South Bancorporation, Inc., Indianola, Iowa, 

and thereby indirectly Peoples Savings Bank, 

Indianola, Iowa.

CENTRAL SOUTH 

BANCORPORATION, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Jay D. Bergman, Joliet, Illinois, to acquire up to 

100 percent of the outstanding voting stock of 

Community Holdings Corp., Palos Hills, Illinois.

COMMUNITY HOLDINGS 

CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

07/29/2013

Notice by First American Bank Corporation, Elk 

Grove Village, Illinois, to acquire up to 100 

percent of the voting shares of PNA Bank, 

Chicago, Illinois, through the merger of PNA 

Bank, Chicago, Illinois, with and into First 

American Bank, Elk Grove Village, Illinois, and 

thereby operate a savings association.

FIRST AMERICAN BANK 

CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

Not available

First Merchants Corporation, Munster, Indiana, 

to acquire via merger CFS Bancorp, Inc., 

Munster, Indiana, and thereby indirectly acquire 

control of Citizens Financial Bank, Munster, 

Indiana, a federal savings bank.

FIRST MERCHANTS 

CORPORATION

Newspaper:

Federal Register:

* 3A5 Not available

08/02/2013

Heartland Financial USA, Inc., Dubuque, Iowa, 

to acquire via merger Morrill Bancshares, Inc., 

Merriam, Kansas, and thereby indirectly acquire 

Morrill & Janes Bank and Trust Company, 

Overland Park, Kansas.

HEARTLAND FINANCIAL USA, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

08/09/2013

Home Bancorp Wisconsin, Inc., Madison, 

Wisconsin, to become a bank holding company 

through the acquisition of all of the outstanding 

voting stock of Home Savings Bank, Madison, 

Wisconsin. The bank holding company will be 

formed in connection with the proposed 

mutual-to-stock conversion of Home Savings 

Bank, a state chartered mutual savings bank. Pre 

filing review to determine compliance with 

Subpart E of Regulation MM, Conversions from 

Mutual to Stock Form.

HOME BANCORP WISCONSIN, 

INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending July 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Tad Wilson and Arthur S. Parrish, to acquire 

over 10 percent and up to 25 percent of the 

shares of common stock, without par value, of 

Home Financial Bancorp, Spenser, Indiana, and 

thereby indirectly acquire Our Community Bank, 

Spencer, Indiana.

HOME FINANCIAL BANCORP

Newspaper:

Federal Register:

CIC Not available

07/03/2013

Notice filed by Kristine Lubar MacDonald, 

Minneapolis, Minnesota, to join the existing 

Lubar Family Control Group through the 

acquisition of voting shares of Ixonia 

Bancshares, Inc., Ixonia, Wisconsin, and the 

indirect acquisition of shares of Ixonia Bank, 

Ixonia, Wisconsin.

IXONIA BANCSHARES, INC.

Newspaper:

Federal Register:

* MHC 

Conversion

07/07/2013

07/15/2013

Lamplighter Financial, MHC, a federally 

chartered mutual holding company, to convert 

to stock form and merge with Waterstone 

Financial, Inc., a federal corporation, both in 

Wauwatosa, Wisconsin. Waterstone Financial, 

Inc. will be merged into a new Maryland 

corporation named Waterstone Financial, Inc., 

which proposes to become a savings and loan 

holding company by acquiring 100 percent of 

the voting shares of WaterStone Bank SSB, a 

Wisconsin stock savings bank.

LAMPLIGHTER FINANCIAL, 

MHC

Newspaper:

Federal Register:

CIC Not available

07/30/2013

Gregory F. Steil, Hinsdale, Illinois, as an 

individual intends to retain 10 percent or more 

of the shares of LWCBancorp, Inc., New Lenox, 

Illinois and thereby indirectly control 

LincolnWay Community Bank, New Lenox, 

Illinois.

LWCBANCORP, INC.

Newspaper:

Federal Register:

* 3A3 07/25/2013

07/26/2013

STC Bancshares Corp., St. Charles, Illinois, to 

acquire 100 percent of the voting shares of Bank 

of Palatine, Palatine, Illinois.

STC BANCSHARES CORP.

* 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 July 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Cross County Bank, Wynne, Arkansas, to 08/10/2013

purchase certain assets and assume certain 

liabilities of the Brinkley, Arkansas, branch of 

Evolve Bank & Trust, West Memphis, 

Arkansas, and to retain the acquired facility as a 

branch office.

CROSS COUNTY BANK

Newspaper:

Federal Register:

* 3A3 08/09/2013

08/12/2013

HopFed Bancorp, Inc., Hopkinsville, Kentucky, 

to acquire 100 percent of Sumner Bank & Trust, 

Gallatin, Tennessee.

HOPFED BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 08/03/2013

08/12/2013

The McGehee Bank Employee Stock Ownership 

Plan, McGhee, Arkansas, to acquire additional 

direct ownership of up to 35 percent of 

Southeast Financial Bankstock Corp., McGhee, 

Arkansas, and thereby increase its indirect 

control of McGehee Bank, McGehee, Arkansas.

MCGEHEE BANK EMPLOYEE 

STOCK OWNERSHIP PLAN THE

Newspaper:

Federal Register:

CIC 07/23/2013

08/05/2013

Notice by the estate of Layton P. Stuart, Richard 

A. Torti, Sr., as executor, both of Little Rock, 

Arkansas, to retain control of OneFinancial 

Corporation, Little Rock, Arkansas.

ONEFINANCIAL CORPORATION

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Southern Bank, Poplar Bluff, Missouri, to merge 

with Bank of Thayer, Thayer, Missouri, and to 

retain the acquired facilities as branch offices.

SOUTHERN BANK

* 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 July 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

07/08/2013

Retroactive notice by Charlotte Aldinger and 

Jeri Haberstroh, both of Mott, North Dakota, as 

trustees/administrators of the Commercial Bank 

of Mott Employee Stock Ownership Plan, Mott, 

North Dakota ("ESOP"), to retain control of 

ESOP and thereby indirectly retain control of 

Commercial Bank of Mott, Mott, North Dakota.

COMMERCIAL BANK OF MOTT 

EMPLOYEE STOCK OWNERSHIP 

PLAN

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

08/09/2013

Dacotah Banks, Inc., Aberdeen, South Dakota, 

to merge with Donnelly Bancshares, Inc. and 

thereby indirectly acquire United Farmers and 

Merchants State Bank, both of Morris, 

Minnesota. In addition, Dacotah Bank, 

Aberdeen, South Dakota, to merge with United 

Farmers and Merchants State Bank and, 

incident thereto, establish branches at 4 

Atlantic Avenue, Morris, Minnesota, and 209 

South Main Street, Chokio, Minnesota.

DACOTAH BANKS, INC.

Newspaper:

Federal Register:

CIC Not available

07/30/2013

Retroactive notice by Barbara Carlson, Sauk 

Centre, Minnesota, individually to retain 10 

percent or more of the voting shares of DuBois 

Bankshares, Inc., Sauk Centre, Minnesota. 

Sarah Beuning, Springfield, Illinois, Steven 

Beuning, Edina, Minnesota, and Eric Beuning, 

Scott Beuning, and Tyler Carlson, all of Sauk 

Centre, Minnesota, to retain control of DuBois 

Bankshares, Inc., Sauk Centre, Minnesota, and 

thereby remain members of the Carlson/Beuning 

family shareholder group, which controls 25 

percent or more of DuBuois Bankshares, Inc., 

Sauk Centre, Minnesota. And Mary Jeanne 

Woodward, Sartell, Minnesota, Lisa DuBois 

Schmitze and John DuBois, both of Sauk Centre, 

Minnesota, to retain control of the voting 

shares of DuBois Bankshares, Inc., and thereby 

remain members of the Margaret DuBois Family 

Sharesholder group, which controls 25 percent 

or more of DuBois Bankshares, Inc., thereby 

controls First State Bank of Sauk Centre, Sauk 

Centre, Minnesota.

DUBOIS BANKSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

07/11/2013

Change in Control notice by Peter F. Lindholm, 

Long Lake, Minnesota, individually and as 

trustee of Peter F. Lindholm 2012 Irrevocable 

Trust, to retain 25 percent or more of the shares 

of Maple Banc Shares, Inc., Maple Plain, 

Minnesota, and thereby indirectly retain control 

of Bank of Maple Plain, Maple Plain, Minnesota.

MAPLE BANC SHARES, INC.

Newspaper:

Federal Register:

CIC Not available

07/17/2013

Retroactive change in control notice by Carla A. 

Blumberg, St.Paul, Minnesota, to retain 25% or 

more of the shares of Park Bank Corporation of 

Duluth, Duluth, Minnesota, and thereby 

indirectly retain control of Park State Bank, 

Duluth, Minnesota.

PARK BANK CORPORATION OF 

DULUTH

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending July 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 08/02/2013

07/29/2013

Tolna Bancorp, Inc., Tolna, North Dakota, to 

acquire 100 percent of McVille Financial 

Services, Inc., McVille, North Dakota, and 

thereby indirectly acquire McVille State Bank, 

McVille, North Dakota.

TOLNA BANCORP, 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 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 July 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

ANB Bank, Denver, Colorado, to establish a 07/29/2013

mobile branch for operation in and around 

Johnson County Kansas, that will be associated 

with the branch at 15301 West 87th Street 

Parkway, Suite 100, Lenexa, Kansas.

ANB BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

CoBiz Bank, Denver, Colorado, to establish a 

branch at 1099 18th Street, Suite 3010, Denver, 

Colorado.

COBIZ BANK

Newspaper:

Federal Register:

CIC Not available

08/05/2013

Notification by Dow R. Hughes, Tulsa, 

Oklahoma, individually and as fiduciary, to 

retain control of Regent Capital Corporation, 

parent of Regent Bank, both in Nowata, 

Oklahoma. In addition, notification by the 

following members of the Hughes Family Group 

acting in concert to retain control of Regent 

Capital Corporation, parent of Regent Bank, 

both in Nowata, Oklahoma: the Dow R. Hughes 

Revocable Trust, Dow Hughes, trustee; the 

Deanne D. Hughes Revocable Trust, Deanne D. 

Hughes, trustee; DRH, LLC; Dave Hughes; 

Michelle Hughes; and the David G. Dutton 

Living Trust, David Dutton, trustee; all of Tulsa, 

Oklahoma.

REGENT CAPITAL 

CORPORATION

* 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 July 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Centennial Bank, Plainview, Texas, to establish 

a branch to be located at 1689 River Road, 

Boerne, Texas 78006.

CENTENNIAL BANK

Newspaper:

Federal Register:

CIC Not available

07/26/2013

Prior notice by David C. Hernandez, as 

proposed trustee of the R.L.H. 2011 SGB Trust, 

Dallas, Texas, the general partner of Southwest 

Banking Partners, L.P., Dallas, Texas, to acquire 

control of greater than 25 percent of Strategic 

Growth Bank, Inc., El Paso, Texas, and 

indirectly, Capital Bank, SSB, El Paso, Texas; 

Bank of the Rio Grande, Las Cruces, New 

Mexico; Mile High Banks, Longmont, Colorado; 

and First National Bank of Santa Fe, Santa Fe, 

New Mexico.

STRATEGIC GROWTH BANK 

INCORPORATED

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Vantage Bank Texas, National Association, 

Refugio, Texas, to establish a branch location at 

111 Plasuela Street, Refugio, Texas 78377 in 

connection with the application for membership 

in the Federal Reserve System.

VANTAGE BANK TEXAS, 

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 July 20, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

CBOA Financial, Inc., Tucson, Arizona, to 

acquire First Scottsdale Bank, National 

Association, Scottsdale, Arizona.

CBOA FINANCIAL, INC.

Newspaper:

Federal Register:

* 3A1 Not available

08/05/2013

IMB HoldCo LLC, OneWest Bank Group LLC, 

IMB Management Holdings GP LLC, IMB 

Management Holdings LP, all of Pasadena, 

California, and The SHM 2009D Trust, Palm 

Beach, Florida, to become bank holding 

companies upon the conversion of OneWest 

Bank, FSB, Pasadena, California, from a federal 

savings association to a national bank.

IMB HOLDCO LLC

* 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