Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks;

Applications and Reports Received

No. 24

Week Ending June 15, 2013

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

Forms -- initial Board review to implement the Report of Selected Money Market

Rates (FR 2420) and to extend with revision the Capital Assessments and Stress

Testing information collection (FR Y-14A/Q/M).

- Proposed, June 14, 2013

Personnel

Division of Reserve Bank Operations and Payment Systems -- appointment of Andre

Anderson as acting deputy director, effective September 1, 2013.

- Approved, May 29, 2013

(A/C)

Enforcement

Northwestern Bancorp, Traverse City, Michigan -- written agreement with the

Federal Reserve Bank of Chicago.

- Announced, June 11, 2013

Saehan Bancorp, Los Angeles, California -- written agreement dated January 22,

2010, terminated June 5, 2013.

- Announced, June 11, 2013

H.2 Board Actions June 9, 2013 to June 15, 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

June 9, 2013 to June 15, 2013

MA Monetary Affairs

Bank Branches, Domestic

Adams Bank & Trust, Ogallala, Nebraska -- to establish a branch at 3221 South

Jeffers Street, North Platte.

Kansas City

- Approved, June 11, 2013

Colorado Community Bank, Yuma, Colorado -- to establish a branch at 615 West

8th Street, Yuma.

Kansas City

- Approved, June 10, 2013

First Missouri Bank, Brookfield, Missouri -- to establish a branch at 1925 Burlington

Avenue, North Kansas City.

Kansas City

- Approved, June 14, 2013

FirstBank, Lakewood, Colorado -- to establish a branch at 601 East Hopkins Avenue,

Aspen.

Kansas City

- Approved, June 10, 2013

Fleetwood Bank, Fleetwood, Pennsylvania -- to establish a branch at 1150 Berkshire

Boulevard, Wyomissing.

Philadelphia

- Approved, June 10, 2013

(A/C) = Addition or Correction Delegated - 1 of 5
Bank Branches, Domestic

North Shore Community Bank & Trust Company, Wilmette, Illinois -- to establish a

branch at 2814 West Fullerton Avenue, Chicago.

Chicago

- Approved, June 10, 2013

Bank Holding Companies

CBTCO Bancorp, Columbus, Nebraska, and CBTCO Acquisition Inc. -- to become

bank holding companies by acquiring Bradley Bancorp, Columbus, and its

subsidiary, Columbus Bank and Trust Company.

Kansas City

- Approved, June 14, 2013

Lake Shore III Corporation, Glenwood City, Wisconsin -- to become a bank holding

company by acquiring Hiawatha National Bank, Hager City.

Minneapolis

- Approved, June 10, 2013

Metropolitan Bank Group, Inc., Chicago, Illinois -- request for an exemption under

the Depository Institution Management Interlocks Act and Regulation L.

General Counsel

- Granted, June 14, 2013

Virginia Community Capital, Inc., Christiansburg, Virginia -- to engage de novo in

lending-related, advisory, and community development activities through its

subsidiary, Community Capital Bank of Virginia, Christiansburg.

Richmond

- Withdrawn, June 12, 2013

H.2 Actions under delegated authority June 9, 2013 to June 15, 2013

(A/C) = Addition or Correction Delegated - 2 of 5
Banks, Foreign

Banco Pine S.A., Sao Paulo, Brazil -- to establish a representative office in New

York, New York.

New York

- Withdrawn, June 12, 2013

Change in Bank Control

Bosshard Financial Group, Inc., La Crosse, Wisconsin -- to retain control of

Bosshard Financial and its subsidiaries, Grand Marsh State Bank, Grand Marsh, and

Farmers State Bank-Hillsboro, Hillsboro.

Chicago

- Permitted, June 13, 2013

Commerce Bank and Trust Holding Company, Topeka, Kansas -- to retain control of

Commerce Bank and Trust and its subsidiary, CoreFirst Bank & Trust, Topeka.

Kansas City

- Permitted, June 13, 2013

First Central Nebraska Co., Broken Bow, Nebraska -- change in bank control of First

Central Nebraska and its subsidiary, Nebraska State Bank and Trust Company,

Broken Bow.

Kansas City

- Permitted, June 10, 2013

Herky Hawk Financial Corp., Monticello, Iowa -- change in bank control of Herky

Hawk Financial and its subsidiary, Citizens State Bank, Monticello.

Chicago

- Permitted, June 14, 2013

H.2 Actions under delegated authority June 9, 2013 to June 15, 2013

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

Mid-America Bancshares, Inc., Girard, Kansas -- to retain control of Mid-America

Bancshares and its subsidiary, First National Bank of Girard, Girard.

Kansas City

- Permitted, June 14, 2013

Park Falls Agency, Inc., Park Falls, Wisconsin -- to retain control of Park Falls

Agency and its subsidiary, The First National Bank of Park Falls, Park Falls.

Minneapolis

- Permitted, June 11, 2013

Reliance Bancshares, Inc., Des Peres, Missouri -- to retain control of Reliance

Bancshares and its subsidiary, Reliance Bank, St. Louis.

St. Louis

- Permitted, June 13, 2013

Extensions of Time

UnionBanCal Corporation, San Francisco, California -- request for an extension of

time to file certain regulatory reports.

Secretary

- Granted in part, June 11, 2013

Financial Holding Companies

Ann Arbor Bancorp, Inc., Ann Arbor, Michigan -- election to become a financial

holding company.

Chicago

- Effective, June 12, 2013

H.2 Actions under delegated authority June 9, 2013 to June 15, 2013

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

First National Bank of Hampton, Hampton, Iowa -- to retain membership in the

Federal Reserve System on conversion to a state-chartered bank to be known as First

Bank Hampton.

Chicago

- Approved, June 14, 2013

H.2 Actions under delegated authority June 9, 2013 to June 15, 2013

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

Federal Reserve Bank of Boston

Filings received during the week ending June 15, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Application by Bank Rhode Island, Providence, 

Rhode Island, to establish a branch at 290 Main 

Street, South Kingstown, Rhode Island, 

pursuant to Section 208.6 of Regulation H.

BANK RHODE ISLAND

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 07/01/2013

Application by Hometown Community Bancorp, 

MHC, Oxford, Massachusetts, a mutual bank 

holding company, to form a wholly-owned, 

mid-tier, stock bank holding company, 

Hometown Community Bancorp, Inc., Oxford, 

Massachusetts, through its acquisition of 100% 

of the shares of Hometown Bank, A 

Cooperative Bank, Webster, Massachusetts, 

pursuant to sections 3(a)(1) and 3(a)(3) of the 

Bank Holding Company Act of 1956, as 

amended.

HOMETOWN COMMUNITY 

BANCORP MHC

* 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 June 15, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

07/08/2013

Investors Bancorp, MHC and Investors 

Bancorp, Inc., both of Short Hills, New Jersey, 

providing notice pursuant to Section 4(c)(8) of 

the BHC Act and Section 225.24 of Regulation 

Y, to acquire Gateway Community Financial 

Corporation, MHC and Gateway Community 

Financial Corporation, and their wholly-owned 

subsidiary, GCF Bank, all of Sewell, New Jersey.

INVESTORS BANCORP, INC.

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 June 15, 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:

* Branch

Not applicable

Woodlands Bank, Williamsport, PA, to 06/26/2013

establish a branch office located at the corner of 

Church and Jay Streets, Lock Haven, PA.

WOODLANDS BANK

* 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 June 15, 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 June 15, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

Not available

Virginia National Bankshares Corporation, 06/17/2013

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 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 June 15, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

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 applicable

Not applicable

Community Southern Holdings, Inc., notice to 

become a bank holding company by acquiring 

Community Southern Bank, both of Lakeland, 

Florida.

Community Southern Holdings, 

Inc.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

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:

3A1 Not applicable

Not applicable

First Florida Bancorp, Inc., notice to become a 

bank holding company by acquiring 100 percent 

of the outstanding shares of First Florida Bank, 

both of Destin, Florida.

FIRST FLORIDA BANCORP, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

NobleBank & Trust, N.A., Anniston, Alabama, 

to become a member of the Federal Reserve 

system.

NOBLEBANK & TRUST, N.A.

Newspaper:

Federal Register:

CIC 07/01/2013

07/05/2013

Prior change in control notice filed to add (1) the 

Amanda Marie Rios 2012 Irrevocable Trust, Paul 

Roberts, Trustee, (2) the Amy Beth Windle 

Oakley 2012 Irrevocable Trust, Paul Roberts, 

Trustee, (3) the John David Windle 2012 

Irrevocable Trust, Paul Roberts, Trustee, (4) the 

Mark Edward Windle 2012 Irrevocable Trust, 

Paul Roberts, Trustee, and (5) the Thomas 

Alfred Windle 2012 Irrevocable Trust, Paul 

Roberts, Trustee, all of Livingston, Tennessee, 

to the currently approved control group of (1) 

the Jack Windle Irrevocable Life Insurance 

Trust, Livingston, Tennessee, Joyce D. Windle 

and John D. Copeland, Trustees, (2) The Credit 

Shelter Trust under the Last Will and Testament 

of Jack Allen Windle, Livingston, Tennessee, 

Joyce D. Windle, John D. Copeland, and 

Thomas A. Windle, Trustees, and (3) The 

Tennessee Qualified Terminable Interest Trust, 

Livingston, Tennessee, Joyce D. Windle, John 

D. Copeland, and Thomas A. Windle, Trustees, 

for Overton Financial Services, Inc. (Overton), 

and its subsidiary bank, Union Bank & Trust 

Company (Bank), both of Livingston, 

Tennessee. Collectively, the new control group 

controls 100 percent of the outstanding stock of 

Overton and Bank. Additionally, the Jack 

Windle Irrevocable Life Insurance Trust has 

filed a change in control notice to add Thomas 

A. Windle as a trustee.

OVERTON FINANCIAL 

SERVICES, INC.

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

Federal Reserve Bank of Atlanta

Filings received during the week ending June 15, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 07/12/2013

07/01/2013

Charles P. Stephens, Atlanta, Georgia, 

individually and as trustee of MAD Trust for 

S.D. Stephens, SDT U/A 12-23-92 trust, MAD 

GST for CA Stephens trust, and MAD GST for 

SR Stephens trust; Sandra D. Stephens, Atlanta, 

Georgia, individually and as trustee of MAD 

Trust for S.D. Stephens, MAD GST for CA 

Stephens trust, and MAD GST for SR Stephens 

trust; Scott R. Stephens, Lake Panasofkee, 

Florida, individually and as trustee of MAD 

Trust for S.D. Stephens; Charles A. Stephens, 

Atlanta, Georgia, individually; Stephanie T. 

Stephens, Atlanta, Georgia, individually; 

Longball Ventures LLC, Jacksonville, Florida; 

M. Austin Davis Foundation, Jacksonville, 

Florida; Ventura Investments, LLC, Jacksonville, 

Florida; SDT U/A 12-23-92 trust, Jacksonville, 

Florida; MAD GST for CA Stephens trust, 

Jacksonville, Florida; and MAD GST for SR 

Stephens trust, Jacksonville, Florida intend to 

apply to the Federal Reserve Board for 

permission to retain 10 percent or more of the 

shares of Piedmont Bancorp, Inc., and its 

subsidiary bank, The Piedmont Bank, both of 

Norcross, Georgia.

PIEDMONT BANCORP, INC.

Newspaper:

Federal Register:

CIC 07/01/2013

07/02/2013

After-the-fact change in control notice filed by 

State-Investors Bank Employee Stock 

Ownership Plan (ESOP), Lawrence C. Caldwell, 

Jr., Daniel M. McGowan, and Mahlon L. 

Oustalet, trustees of the ESOP, all of Metairie, 

Louisiana, to retain 10 percent or more of the 

outstanding shares of State Investors Bancorp, 

Inc., and its subsidiary, State-Investors Bank, 

both of Metairie, Louisiana.

STATE INVESTORS BANCORP, 

INC.

* 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 June 15, 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 Not available

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:

* 18C Not available

* Branch Not applicable

Clear Lake Bank & Trust Co., Clear Lake, Iowa, 

to purchase the assets and assume the liabilities 

of two Mason City, Iowa, branch offices of 

Community National Bank, Waterloo, Iowa. 

Clear Lake Bank & Trust Co. will establish a 

branch at 100 E State Street, Mason City, Iowa. 

The office located at 3124 Fourth Street SW, will 

immediately be consolidated with Clear Lake 

Bank & Trust Co.'s branch office located at 425 

Tiffany Drive, both of Mason City, Iowa.

CLEAR LAKE BANK AND 

TRUST COMPANY

Newspaper:

Federal Register:

CIC Not available

Not available

Notice filed by Maureen Sue Breckenridge, 

George Breckenridge Trust, Gregory Alan 

Wessel and Wayne Donn Wrage, all of Yates 

City, Illinois, as a group acting in concert, to 

control over 25 percent of the outstanding 

shares of First Bancorp, Yates City, Illinois, and 

thereby indirectly control Bank of Yates City, 

Yates City, Illinois.

FIRST BANCORP, INC.

Newspaper:

Federal Register:

* 18C Not available

Not applicable

First Farmers Bank & Trust Company, 

Converse, Indiana, proposes to acquire certain 

assets and assume certain liabilities of Bank of 

Indiana, N.A., Dana, Indiana, and thereby 

establish 3 branches.

FIRST FARMERS BANK & 

TRUST

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.

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

Federal Reserve Bank of Chicago

Filings received during the week ending June 15, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

06/21/2013

Notice by the Danielle Marie Marquart 2013 

Trust to acquire shares of Johnson Financial 

Group, Inc., Racine, Wisconsin, pursuant to the 

Change in Bank Control Act of 1978. As a result 

of the proposed transaction, JFG shares and 

other assets previously held by the Danielle 

Marie Marquart Trust u/a with Winifred J. 

Marquart & Michael D. Marquart dated 4/21/95 

will be held by the Trust. Johnson Bank will 

serve as trustee of the Trust.

JOHNSON FINANCIAL GROUP, 

INC.

Newspaper:

Federal Register:

* MHC Not available

Conversion 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

07/01/2013

Notice of Change in Control by Washington 

Bancorp Employee Stock Ownership Plan to 

retain control of 17.52 percent of the 

outstanding voting shares of Washington 

Bancorp, and thereby indirectly control of 

Federation Bank, all of Washington, Iowa.

WASHINGTON BANCORP

* 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 June 15, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

BancPlus Corporation, Ridgeland, Mississippi, 

notification to engage in nonbanking avtivities, 

through a wholly owned subsidary, Oakhurst 

Development, Inc., Ridgeland, Mississippi.

BANCPLUS CORPORATION

* 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 June 15, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control Notice by Gale M. Hoese, 

Glemcoe, Minnesota, to acquire control of 10 

percent or more of the voting shares of Flagship 

Financial Group, Inc., Eden Prairie, Minnesota, 

and thereby indirectly gain control of Flagship 

Bank Minnesota, Wayzata, Minnesota. In 

addition, Gale M. Hoese, Glencoe, Minnesota, 

Todd Hoese, Waconia, Minnesota, David 

Hoese, Glencoe, Minnesota, Jeremy Hoese, 

Glencoe, Minnesota, Tamara Hoese, Glencoe, 

Minnesota, Jon Hoese, Glencoe, Minnesota, 

Chad Hoese, Glencoe, Minnesota, David 

Schornack, Perham, Minnesota, and Denise 

Schornack, Perham, Minnesota, as a group 

acting in concert to acquire control of 25 

percent or more of the voting shares of Flagship 

Financial Group, Inc.

FLAGSHIP FINANCIAL GROUP, 

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 June 15, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Colorado Community Bank, Highlands Ranch, 

Colorado, to merge with and into The Bank at 

Broadmoor, Colorado Springs, Colorado, and 

incident thereto, to establish branches in Yuma 

(2), Otis, Akron, Longmont, Denver, Sterling, 

Johnstown, Castle Rock (2), Milliken, Greeley, 

Severance, Evans, Loveland, Centennial, and 

Firestone, all in Colorado. The resulting bank 

will be known as Northstar Bank of Colorado, 

Highlands Ranch, Colorado. The Bank at 

Broadmoor, Colorado Springs, Colorado, to 

retain its former main banking office, located at 

155 Lake Avenue, Colorado Springs, Colorado, 

as a branch.

BANK AT BROADMOOR, THE

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Commerce Bank, Kansas City, Missouri, to 

merge with Summit Bank, Tulsa, Oklahoma, and 

incident thereto, to establish a branch.

COMMERCE BANK

Newspaper:

Federal Register:

* 3A3

* 3A5

07/07/2013

07/05/2013

DS Holding Company, Inc., parent of Omaha 

State Bank, to acquire 100 percent of the voting 

shares of Ashland Bancshares, Inc., parent of 

Centennial Bank, all of Omaha, Nebraska. 

Ashland Bancshares, Inc. will merge with and 

into DS Holding Company, Inc., and 

immediately thereafter, Omaha State Bank, will 

merge with and into Centennial Bank, to be 

known as Core Bank.

DS HOLDING COMPANY, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Reeves Banchsares, Inc., proposes to engage in 

insurance services through the formation of 

Southwest Crop Insurance Agency, LLC, both 

in Gould, Oklahoma.

REEVES 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 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 June 15, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 06/29/2013

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

Community Trust Bank, Choudrant, Louisiana, 06/11/2013

to establish a branch to be located at Two 

Turtle Creek Village, 3838 Oak Lawn Avenue, 

Dallas, Texas 75219.

COMMUNITY TRUST BANK

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Overton Financial Corporation, Overton, Texas, 

and Overton Delaware Corporation, Dover, 

Delaware, to acquire up to 50 percent of the 

issued and outstanding shares of voting 

common stock of Longview Financial 

Corporation, Longview, Texas, and its wholly 

owned subsidiary, Texas Bank and Trust 

Company, Longview, Texas.

OVERTON FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3

Not available

Overton Financial Corporation, Overton, Texas, 06/11/2013

to indirectly acquire, through Lindale Delaware 

Corporation, Dover, Delaware, an additional 

21,951 common shares (6.08 percent) of 

Longview Financial Corporation, Longview, 

Texas, and its wholly owned subsidiary, Texas 

Bank and Trust Company, Longview, Texas; 

and Lindale Delaware Corporation, Dover, 

Delaware, to directly acquire 21,951 common 

shares (6.08 percent) of Longview Financial 

Corporation, Longview, Texas, and its wholly 

owned subsidiary, Texas Bank and Trust 

Company, Longview, Texas.

OVERTON FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

07/12/2013

Royalty Bancshares, LLC, Weatherford, Texas, 

proposes to become a bank holding company 

by acquiring 100 percent of Miami Bancshares, 

Inc., Miami, Texas, and thereby indirectly 

acquire First State Bank Miami, Miami, Texas.

ROYALTY BANCSHARES, L.L.C.

Newspaper:

Federal Register:

* 3A3 Not available

07/01/2013

Triumph Bancorp, Inc., and Triumph 

Consolidated Cos., LLC, of Dallas, Texas, to 

acquire 100 percent of National Bancshares, 

Inc., Bettendorf, Iowa, and indirectly THE 

National Bank, Moline, Illinois.

TRIUMPH BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Vista Bank, Ralls, Texas, to establish a branch to 06/11/2013

be located at 4350 19th Street, Lubbock, Texas.

VISTA BANK

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending June 15, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Green Dot Bank, Provo, Utah, to acquire certain 

assets and assume certain liabilities of GE 

Capital Retail Bank, Draper, Utah.

GREEN DOT BANK DBA 

BONNEVILLE BANK

* 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