Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks;

Applications and Reports Received

No. 7

Week Ending February 15, 2014

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

Monetary Policy -- statement by Chair Yellen before the House Committee on

Financial Services on the semiannual monetary policy report to the Congress.

- Published, February 11, 2014

Regulations and Policies

Physical Commodities Activities -- advance notice of proposed rulemaking.

- Approved, January 14, 2014

(A/C)

Regulations DD (Truth in Savings), P (Privacy of Consumer Financial Information),

and V (Fair Credit Reporting) -- publication for comment of (1) proposals to repeal

Regulations DD and P and (2) technical amendments to provisions of Regulation V

that require financial institutions and creditors to implement identity theft prevention

programs.

- Approved, February 6, 2014

(A/C)

Reserve Bank Operations

Federal Reserve Bank of Cleveland -- appointment of Loretta J. Mester as president,

effective June 1, 2014.

- Approved, February 10, 2014

Enforcement

First Security Bank of Malta, Malta, Montana -- prompt corrective action directive

dated June 8, 2012, terminated February 7, 2014.

- Announced, February 14, 2014

First Trust Corporation, New Orleans, Louisiana -- written agreement dated June 5,

2012, terminated February 6, 2014.

- Announced, February 11, 2014

H.2 Board Actions February 9, 2014 to February 15, 2014

(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

February 9, 2014 to February 15, 2014

MA Monetary Affairs

Bank Branches, Domestic

East Cambridge Savings Bank, Cambridge, Massachusetts -- to establish a branch at

9 Playstead Road, Medford.

Boston

- Approved, February 12, 2014

The Freedom Bank of Virginia, Fairfax, Virginia -- to retain a branch at 502 Maple

Avenue West, Vienna.

Richmond

- Approved, February 12, 2014

Northstar Bank of Colorado, Highlands Ranch, Colorado -- to establish a branch at

6654 Timberline Road, Highlands Ranch.

Kansas City

- Approved, February 14, 2014

Bank Holding Companies

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga

Springs, New York -- to acquire additional shares of 473 Broadway Holding

Corporation, Saratoga Springs, and of The Adirondack Trust Company.

New York

- Approved, February 14, 2014

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

BancorpSouth, Inc., Tupelo, Mississippi -- waiver of application to acquire Ouachita

Bancshares Corp., Monroe, Louisiana, in connection with the merger of their

respective subsidiaries, BancorpSouth Bank, Tupelo, and Ouachita Independent

Bank, Monroe.

St. Louis

- Returned, February 14, 2014

Home Bancorp Wisconsin, Inc., Madison, Wisconsin -- to become a bank holding

company by acquiring Home Savings Bank, Madison, in connection with Home

Savings Bank's conversion from mutual to stock form.

Chicago

- Approved, February 11, 2014

Horizon Bancorp, Michigan City, Indiana -- waiver of application to merge with

SCB Bancorp, Inc., East Lansing, Michigan, in connection with the merger of their

respective subsidiaries, Horizon Bank, N.A., Michigan City, and Summit Community

Bank, East Lansing.

Chicago

- Withdrawn, February 13, 2014

Independent Bank Group, Inc., McKinney, Texas -- to acquire BOH Holdings, Inc.,

Houston, and indirectly acquire Bank of Houston.

Dallas

- Approved, February 12, 2014

Olney Bancshares of Texas, Inc., Olney, Texas -- to acquire Park Cities Bank, Dallas.

Kansas City

- Approved, February 10, 2014

H.2 Actions under delegated authority February 9, 2014 to February 15, 2014

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

Rockville Financial, Inc., Vernon Rockville, Connecticut -- to acquire United

Financial Bancorp, West Springfield, Massachusetts, and United Bank, FSB.

Boston

- Approved, February 13, 2014

Bank Premises

Central Bank of Lake of the Ozarks, Osage Beach, Missouri -- to increase its

investment in bank premises.

St. Louis

- Approved, February 13, 2014

Change in Bank Control

NASB Shares, Inc., Belgrade, Minnesota -- to retain control of NASB Shares, Inc.

and its subsidiary, North American State Bank, Belgrade.

Minneapolis

- Permitted, February 13, 2014

OneFinancial Corporation, Little Rock, Arkansas -- to retain control of OneFinancial

Corporation and its subsidiary, One Bank & Trust, National Association, Little Rock.

St. Louis

- Withdrawn, February 6, 2014

(A/C)

Extensions of Time

Citigroup Inc., New York, New York -- requests for extensions to retain certain

properties held by indirect subsidiaries in Guatemala and El Salvador.

Director, BS&R

- Granted, February 10, 2014

H.2 Actions under delegated authority February 9, 2014 to February 15, 2014

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

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

extension to May 16, 2014, to increase its interest in Southeast Financial Bankstock

Corp., McGehee, and thereby increase its indirect control of McGehee Bank.

St. Louis

- Granted, February 13, 2014

Membership

Mansfield Co-operative Bank, Mansfield, Massachusetts -- to become a member of

the Federal Reserve System.

Boston

- Approved, February 14, 2014

Profile Bank, Rochester, New Hampshire -- to become a member of the Federal

Reserve System.

Boston

- Approved, February 14, 2014

Savings and Loan Holding Companies

Sugar Creek MHC, Trenton, Illinois -- to convert from mutual to stock form and to

merge with Sugar Creek Financial Corp., Trenton; for Sugar Creek Financial Corp. to

merge into a new Maryland corporation also named Sugar Creek Financial Corp.;

and for that company to become a savings and loan holding company by acquiring

Tempo Bank, Trenton, a federal savings bank.

St. Louis

- Approved, February 11, 2014

H.2 Actions under delegated authority February 9, 2014 to February 15, 2014

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

Federal Reserve Bank of Boston

Filings received during the week ending February 15, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Not applicable

North Brookfield Savings Bank, North 

Brookfield, Massachusetts (NBSB) to merge 

with FamilyFirst Bank, Ware, Massachusetts, 

with NBSB as the surviving entity.

NORTH BROOKFIELD SAVINGS 

BANK

* 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

 1008674 READING CO-OP BK, READING, MASSACHUSETTS 09/16/2013 01/31/2014 S Int Sm Bank

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 February 15, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

JPMorgan Chase Bank, National Association, 

Columbus, Ohio and J.P Morgan International 

Finance Limited, Newark, Delaware, provides 

prior notice to invest in subsidiaries pursuant 

to Section 211.9 of Regulation K.

JPMORGAN CHASE BANK, 

NATIONAL ASSOCIATION

* 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 February 15, 2014

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending February 15, 2014

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 February 15, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Community Bank of the Chesapeake, Waldorf, 02/24/2014

Maryland, to establish a branch at 421 William 

Street, Fredericksburg, Virginia 22401.

COMMUNITY BANK OF THE 

CHESAPEAKE

* 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 February 15, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

08/08/2013

Banco De Credito E Inversiones, Empresas Juan 

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

Inversiones Baquio LTDA., Inversiones Nueve 

LTDA., and Administraciones Baquio LTDA., 

all of Santiago, Chile, to become bank holding 

companies by acquiring 100 percent of CM 

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

its subsidiary, City National Bank of Florida, 

Miami, Florida.

BANCO DE CREDITO E 

INVERSIONES S.A.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

IBERIABANK, Lafayette, Louisiana, to merge 

with Teche Federal Bank, New Iberia, Louisiana.

IBERIABANK

Newspaper:

Federal Register:

* SLHC 

Formation

03/04/2014

02/28/2014

John W. Langdale, Jr. Trust, Margaret E. 

Langdale Trust, and Lee L. Mikuta Trust, all of 

Valdosta, Georgia, to become savings and loans 

holding companies by acquiring Lowndes 

Bancshares, Inc., and its subsidiary, Commercial 

Banking Company, both of Valdosta, Georgia.

John W. Langdale, Jr. Trust

Newspaper:

Federal Register:

CIC Not available

Not available

Prior change in control notice filed by Stephen 

Richard Winn, Judith Anderson Winn, Leslie 

W. Sokol, Michelle Stacey Winn, Jason David 

Winn, 3T.D.A., LLC, all of Tallahassee, Florida; 

and Susan Beth Winn, South West Ranches, 

Florida; Edward William Dougherty, Jr., Audrey 

Kay Dougherty, Igler & Dougherty P.A. 401K 

Profit Sharing Plan and Trust (Edward 

Dougherty and George Igler co-trustees), all of 

Tallahassee, Florida; to collectively control 

24.42 percent of the outstanding shares of Pro 

Financial Holdings, Inc., and its subsidiary, 

ProBank, both of Tallahassee, Florida.

PRO FINANCIAL HOLDINGS, 

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

 2877345 INSBANK, NASHVILLE, TENNESSEE 10/07/2013 02/06/2014 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending February 15, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Rick A. Tromble and Michele L. Tromble, 

individually and as trustees of the Rick A. 

Tromble Revocable Living Trust and the 

Michele L. Tromble Revocable Living Trust, 

both of Cheboygan, Michigan, to acquire ten 

percent or more of the outstanding voting stock 

and thereby control of CNB Corporation, 

Cheboygan, Michigan. CNB Corporation 

controls Citizens National Bank of Cheboygan, 

a national banking association, also of 

Cheboygan, Michigan.

CNB CORPORATION

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 45551 BANK MIDWEST, SPIRIT LAKE, IOWA 09/16/2013 02/07/2014 S Int Sm Bank

 539340 DEMOTTE ST BK, DEMOTTE, INDIANA 10/21/2013 02/01/2014 S Int Sm Bank

 58243 JOHNSON BK, RACINE, WISCONSIN 02/04/2013 02/05/2014 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending February 15, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank, Creve Coeur, Missouri, to establish a 02/20/2014

branch to be located at 1211 East Valley 

Boulevard, Alhambra, Los Angeles County, 

California.

FIRST BANK

Newspaper:

Federal Register:

* SLHC Not available

Formation Not available

Roger O. Riney Family Voting Trust U/A/D 

12/31/12, Town and Country, Missouri, to 

become a saving and loan holding company by 

acquiring control of Scottrade Financial 

Services, Inc., Town and Country, Missouri, 

and thereby indirectly acquire Scottrade Bank, 

Town and Country, Missouri, and Boulevard 

Bank, Neosho, Missouri.

RODGER O. RINEY FAMILY 

VOTING TRUST U/A/D 

12/31/2012

* 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

 489548 FIRST ST B&TC, CARUTHERSVILLE, MISSOURI 10/21/2013 02/04/2014 S Int Sm Bank

 446149 PEOPLES BK, MARION, KENTUCKY 05/13/2013 02/03/2014 S Small Bank

 143372 PROGRESSIVE OZARK BK, SALEM, MISSOURI 10/28/2013 02/03/2014 S Small Bank

 420457 SOUTHERN CMRL BK, SAINT LOUIS, MISSOURI 06/03/2013 01/31/2014 O Int Sm Bank

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 February 15, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 02/24/2014

02/27/2014

Stearns Financial Services, Inc., Employee Stock 

Ownership Plan, Saint Cloud, Minnesota, to 

retain and acquire additional stock and increase 

its ownership interest up to a maximum of 26% 

of Stearns Financial Services, Inc., Saint Cloud, 

Minnesota, and thereby indirectly increase its 

control of Stearns Bank National Association, 

Saint Cloud, Minnesota, Stearns Bank of 

Upsala, National Association, Upsala, 

Minnesota, and Stearns Bank of Holdingford, 

National Association, Holdingford, Minnesota.

STEARNS FINANCIAL 

SERVICES, INC. EMPLOYEE 

STOCK OWNERSHIP PLAN

Newspaper:

Federal Register:

CIC Not available

02/27/2014

Retroactive change in control notice by the 

Gordon H. Hoffner 2011 Irrevocable Family 

Trust, Hazen, North Dakota (the "Trust") and 

Wayne G. Hoffner, Hazen, North Dakota, 

individually, and as trustee of the Trust, to 

retain control of 25% or more of the shares of 

Union Holding Company, Halliday, North 

Dakota ("Union"), and thereby indirectly 

control The Union Bank, Beulah, North Dakota 

("Bank"). In addition, Lynette Janelle Bjornson, 

Mandan, North Dakota, is filing retroactively to 

retain shares of Union and thereby join the 

Hoffner family shareholder group that controls 

25% or more of Union.

UNION HOLDING COMPANY

* 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

 777254 FARMERS ST BK OF WEST CONCORD, WEST CONCORD, MINNESOTA10/28/2013 02/07/2014 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending February 15, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Cornerstone Bank, York, Nebraska, to merge 03/09/2014

with The Bank of Marquette, Marquette, 

Nebraska, and incident thereto, to establish a 

branch.

CORNERSTONE BANK

Newspaper:

Federal Register:

* 3A1 03/02/2014

03/13/2014

Crazy Woman Creek Bancorp, to become a bank 

holding company upon the conversion of 

Buffalo Federal Savings Bank, both in Buffalo, 

Wyoming, to a commercial bank.

CRAZY WOMAN CREEK 

BANCORP

Newspaper:

Federal Register:

CIC 02/14/2014

02/28/2014

Notice by Tommy J. Lowery, Jeanice F. Lowry, 

Janice K. Slack, and Michael H. Slack, all of 

Oxford, Kansas, as members of the Catlin family 

group, to retain control of Emerald Bank, 

Burden, Kansas.

EMERALD BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

First American Bank, Purcell, Oklahoma, to 

establish a branch at 117 W. Broadway, 

Lexington, Oklahoma.

FIRST AMERICAN BANK

Newspaper:

Federal Register:

CIC 02/26/2014

03/03/2014

Notice by Thomas H. Olson, Jr., Julesburg, 

Colorado; Kerstin Eckstrom, Lincoln, Nebraska; 

and Lynne Petro, Vestavia, Alabama; as 

members of the Olson family group, to retain 

control of First Nebraska Bancs, Inc., Sidney, 

Nebraska, parent of Points West Community 

Bank, Julesburg, Colorado, and Point West 

Community Bank, Sidney, Colorado.

FIRST NEBRASKA BANCS, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

First State Bank of Colorado, Hotchkiss, 02/20/2014

Colorado, to establish a branch at 8110 East 

Union Avenue, Suit 125, Denver, Colorado.

FIRST STATE BANK OF 

COLORADO

* 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

 508355 AMERISTATE BK, ATOKA, OKLAHOMA 11/18/2013 02/07/2014 S Small Bank

 898458 BANK OF JACKSON HOLE, JACKSON, WYOMING 11/04/2013 02/05/2014 S Int Sm Bank

 284154 FREEDOM BK OKLAHOMA, TULSA, OKLAHOMA 11/18/2013 02/10/2014 S Small Bank

 1012055 PEOPLES EXCH BK, BELLEVILLE, KANSAS 11/18/2013 02/10/2014 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending February 15, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

Not available

A.N.B. Holding Company, Ltd., Terrell, Texas, to 03/07/2014

acquire additional shares up to 38% of The 

ANB Corporation, Terrell, Texas, and indirectly 

acquire The American National Bank of Texas, 

Terrell, Texas; Lakeside Bancshares, Inc., 

Rockwall, Texas; and Lakeside National Bank, 

Rockwall, Texas.

A.N.B. HOLDING COMPANY, 

LTD.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Citizens 1st Bank, Tyler, Texas, to become a 

member of the Federal Reserve System.

CITIZENS 1ST BANK

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Citizens State Bank, Tyler, Texas, to become a 

member of the Federal Reserve System.

CITIZENS STATE BANK

Newspaper:

Federal Register:

* 3A3 Not available

03/15/2014

Industry Bancshares, Inc., Industry, Texas, to 

acquire 100 percent of the outstanding shares of 

Bank of Brenham, National Association, 

Brenham, Texas.

INDUSTRY BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

03/07/2014

McGregor Bancshares, Inc., McGregor, Texas, 

to become a bank holding company by 

acquiring 100 percent of The First National Bank 

of McGregor, McGregor, Texas.

MCGREGOR BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Retroactive notice of Change of Control by 

Mary Ruth Ellis individually and as Executrix of 

the Estate of Norman Ellis, North Richland Hills, 

Texas; David W. Ellis, and Duncan J. Ellis, both 

of Richland Hills, Texas; and Deana Hoffman, 

North Richland Hills, Texas; to acquire and 

control greater than 10 percent of Willis Point 

Financial Corporation, Wills Point, Texas and 

indirectly Citizens National Bank, Wills Point, 

Texas.

WILLS POINT FINANCIAL 

CORPORATION

* 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

 268257 COMMUNITY BK, FORT WORTH, TEXAS 09/16/2013 02/02/2014 S Int Sm Bank

 701857 CROWELL ST BK, CROWELL, TEXAS 08/12/2013 12/26/2013 S Small Bank

 908861 TRANSPECOS BANKS, PECOS, TEXAS 10/28/2013 03/16/2014 S Small Bank

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 February 15, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Bay Commercial Bank, Walnut Creek, California, 

to merge with Community Bank of San Joaquin, 

Stockton, California, and thereby acquire two 

branch offices.

BAY COMMERCIAL BANK

Newspaper:

Federal Register:

CIC 01/31/2014

01/28/2014

Notice of Change in Control by Scott M. 

Browning, Salt Lake City, Utah; Sally W. 

Browning, Salt Lake City, Utah; Gay Browning, 

Salt Lake City, Utah; Diane B. Oblock, 

Richmond, Utah; James M. Browning, Salt Lake 

City, Utah; Eliza R. Browning, Salt Lake City, 

Utah; Hannah B. Oblock, Richmond, Utah; 

Alyson B. Oblock, Richmond, Utah; Jennifer H. 

Kawasaki, Gallatin Gateway, Montana; Christine 

H. Chambers, Tremonton, Utah; The Scott M. 

Browning Living Trust (Scott Browning and 

Sally Browning trustees), The Gay Browning 

Living Trust (Gay Browning and Scott 

Browning Trustees), The Diane B. Oblock 

Living Trust (Diane B. Oblock and Scott M. 

Browning Trustees), The First Utah Irrevocable 

Trust for benefit of Alyson B. Oblock (Alyson 

B. Oblock and Hannah B. Oblock Trustees), 

The First Utah Irrevocable Trust for benefit of 

Hannah B. Oblock (Hannah B. Oblock and 

Alyson B. Oblock Trustees), The First Utah 

Irrevocable Trust for benefit of James M. 

Browning (James M. Browning and Eliza R. 

Browning Trustees), The First Utah Irrevocable 

Trust for benefit of Eliza R. Browning (Eliza R. 

Browning and James M. Browning Trustees), 

The First Utah Irrevocable Trust for benefit of 

Robert T. W. Browning (James M. Browning 

and Eliza R. Browning Trustees), The First Utah 

Irrevocable Trust for benefit of Jennifer H. 

Kawasaki (Jennifer H. Kawasaki and Christine 

H. Chambers Trustees), The First Utah 

Irrevocable Trust for benefit of Christine H. 

Chambers (Christine H. Chambers and Jennifer 

H. Kawasaki Trustees), to acquire and retain 25 

percent or more of the voting shares of First 

Utah Bancorporation,and thereby indirectly 

acquire and retain voting shares of First Utah 

Bank, both of Salt Lake City, Utah.

FIRST UTAH 

BANCORPORATION

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Taipei Fubon Commercial Bank Co., Ltd, Taipei, 

Taiwan, requests to establish a representative 

office in San Jose, California, pursuant to 

section 211.24(a)(1) of Regulation K.

TAIPEI FUBON COMMERCIAL 

BANK CO., LTD.

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

Federal Reserve Bank of San Francisco

Filings received during the week ending February 15, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 01/07/2014

02/28/2014

Change in Bank Control Notice on behalf of 

John Jung Hun Chang, Duck Hee Chang, 

Wellwish Investments LLC, Ellis Eunrok Chang, 

all of Garden Grove, California, and Ellen Eunmi 

Chang, Bellevue, Washington, to retain 18.43 

percent of U & I Financial Corp., and thereby 

indirect control of UniBank, both of Lynnwood, 

Washington.

U & I FINANCIAL CORP.

* 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

 1216826 SILVERGATE BK, LA JOLLA, CALIFORNIA 10/21/2013 02/05/2014 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act