Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks;

Applications and Reports Received

No. 40

Week Ending October 5, 2013

Board of Governors of the Federal Reserve System, Washington, DC 20551
Bank Mergers

First Farmers Bank & Trust, Converse, Indiana -- to acquire certain assets and

assume certain liabilities from Bank of Indiana, National Association, Dana, and

thereby establish branches.

- Approved, October 4, 2013

Forms

Forms -- final Board review to extend with revision the Intermittent Survey of

Businesses (FR 1374).

- Approved, October 1, 2013

Forms -- final Board review to extend with revision the Savings Association Holding

Company Report (FR H-(b)11).

- Approved, October 1, 2013

Enforcement

Alliance Financial Services, Inc., St. Paul, Minnesota -- written agreement dated

December 8, 2011, terminated September 30, 2013.

- Announced, October 3, 2013

Trinity Capital Corporation, Los Alamos, New Mexico -- written agreement with the

Federal Reserve Bank of Kansas City.

- Announced, October 1, 2013

H.2 Board Actions September 29, 2013 to October 5, 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

September 29, 2013 to October 5, 2013

MA Monetary Affairs

Bank Branches, Domestic

Farmers and Merchants Bank of Long Beach, Long Beach, California -- to establish

branches at 9001 Firestone Boulevard, Downey, and 2421 East Coast Highway,

Corona Del Mar (two applications).

San Francisco

- Approved, October 2, 2013

Bank Holding Companies

First Community Corporation, Lexington, South Carolina -- waiver of application to

acquire Savannah River Financial Corporation, Augusta, Georgia, in connection with

the merger of their respective subsidiaries, First Community Bank, Lexington, and

Savannah River Banking Company, Aiken, South Carolina.

Richmond

- Withdrawn, October 1, 2013

Independent Bank Corp., Rockland, Massachusetts -- to acquire Mayflower Bancorp,

Inc., Middleboro, and its subsidiary, Mayflower Co-operative Bank.

Boston

- Approved, October 4, 2013

Independent Bank Group, Inc., McKinney, Texas -- to acquire Collin Bank, Plano.

Dallas

- Approved, October 4, 2013

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

STC Bancshares Corp., Saint Charles, Illinois -- to acquire Bank of Palatine,

Palatine.

Chicago

- Withdrawn, September 30, 2013

Union First Market Bankshares Corporation, Richmond, Virginia -- to acquire

StellarOne Corporation, Charlottesville, and its subsidiary, StellarOne Bank,

Christiansburg.

Richmond

- Approved, September 30, 2013

Change in Bank Control

FNBH Bancorp, Inc., Howell, Michigan -- change in bank control of FNBH Bancorp

and its subsidiary, First National Bank in Howell, Howell.

Chicago

- Permitted, October 1, 2013

Marseilles Bancorporation, Inc., Marseilles, Illinois -- to retain control of Marseilles

Bancorporation and its subsidiary, Marseilles Bank, Marseilles.

Chicago

- Permitted, October 4, 2013

Extensions of Time

Macon-Atlanta State Bank, Macon, Missouri -- extension to January 8, 2014, to

purchase certain assets and assume certain liabilities of the Monroe City branch of

UMB Bank, National Association, Kansas City, and thereby establish a branch.

St. Louis

- Granted, October 1, 2013

H.2 Actions under delegated authority September 29, 2013 to October 5, 2013

(A/C) = Addition or Correction Delegated - 2 of 3
Extensions of Time

Old Florida Bancshares, Inc., Orlando, Florida -- extension to January 19, 2014, to

acquire New Traditions National Bank, Orlando.

Atlanta

- Granted, October 4, 2013

Membership

Steele Street Bank & Trust, Denver, Colorado -- to become a member of the Federal

Reserve System.

Secretary

- Approved, October 2, 2013

H.2 Actions under delegated authority September 29, 2013 to October 5, 2013

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

Federal Reserve Bank of Boston

Filings received during the week ending October 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

10/15/2013

Coastway Bancorp, Inc., Cranston, Rhode 

Island to acquire 100% of the outstanding 

capital stock of Coastway Community Bank, 

Cranston, Rhode Island, pursuant to section 

3(a)(1) of the BHC Act, in connection with the 

conversion of Coastway Bancorp, MHC from 

mutual to stock form.

COASTWAY BANCORP MHC

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 10/18/2013

Equitable Bancorp, MHC and Equitable 

Bancorp, Inc., both of Lynn, Massachusetts, to 

become a mutual bank holding company and a 

stock bank holding company, respectively, by 

acquiring Equitable Cooperative Bank, Lynn, 

Massachusetts, pursuant to sections 3(a)(1) 

and 3(a)(3) of the Bank Holding Company Act 

of 1956, as amended.

EQUITABLE 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 October 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending October 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/22/2013

Robert T. Strong and Kathleen M. Strong, 

Southampton, PA, to retain jointly 11.7% 

ownership of Quaint Oak Bancorp, Inc., 

Southampton, PA, and to potentially acquire up 

to 24.9%.

QUAINT OAK BANCORP INC

Newspaper:

Federal Register:

CIC Not available

Not available

Amended and Restate Quaint Oak Bancorp, Inc. 

Employee Stock Ownership Plan, Southampton, 

PA, and its Trustees, John J. Augustine and 

Diane J. Colyer, to retain 16.0 percent ownership 

of the common stock of Quaint Oak Bancorp, 

Inc., Southampton, PA and potentially acquire 

up to 24.9 percent.

QUAINT OAK BANCORP INC

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending October 5, 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 October 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

First Virginia Community Bank, Fairfax, Virginia, 10/11/2013

to establish a branch at 6975 Springfield 

Boulevard, Springfield, Virginia

FIRST VIRGINIA COMMUNITY 

BANK

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Virginia National Bankshares Corporation, 

Charlottesville, Virginia, to become a bank 

holding company through the acquisition of 

100% of the outstanding 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

 590220 BANK OF STANLY, ALBEMARLE, NORTH CAROLINA 06/10/2013 09/18/2013 S Int Sm Bank

 3166729 CABARRUS B&TC, CONCORD, NORTH CAROLINA 06/10/2013 09/19/2013 S Small Bank

 2847432 CITIZENS CMNTY BK, SOUTH HILL, VIRGINIA 05/13/2013 09/11/2013 S Small Bank

 804422 FARMERS & MRCH BK OF CRAIG CTY, NEW CASTLE, VIRGINIA 06/24/2013 09/26/2013 O Small Bank

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 October 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

08/08/2013

Banco De Credito E Inversiones, Empresas Juan 

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

Inversiones Baquio LTDA., Inversiones Nueve 

LTDA., and Administraciones Baquio LTDA., 

all of Santiago, Chile, to become bank holding 

companies by acquiring 100 percent of CM 

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

its subsidiary, City National Bank of Florida, 

Miami, Florida.

BANCO DE CREDITO E 

INVERSIONES S.A.

Newspaper:

Federal Register:

* 3A1 10/29/2013

11/01/2013

C1 Financial, Inc., to become a bank holding 

company by acquiring 100 percent of the 

outstanding shares of C1 Bank, both of St. 

Petersburg, Florida.

C1 FINANCIAL, 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 21 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 October 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 10/08/2013

10/17/2013

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:

* SLHC Not available

Formation 09/17/2013

Edgewater Bancorp, Inc., St. Joseph, Michigan, 

to become a savings and loan holding company 

through the acquisition of all of the outstanding 

voting stock of Edgewater Bank, St. Joseph, 

Michigan. The savings and loan holding 

company will be formed in connection with the 

proposed mutual-to-stock conversion of 

Edgewater Bank, a federally chartered mutual 

savings bank.

Edgewater Bancorp, Inc.

Newspaper:

Federal Register:

* 3A5 10/21/2013

10/25/2013

MB Financial, Inc., Chicago, Illinois, to merge 

with Taylor Capital Group, Inc., Rosemont, 

Illinois, and thereby indirectly acquire Cole 

Taylor Bank, Chicago, Illinois.

MB FINANCIAL, INC

Newspaper:

Federal Register:

* 3A5 10/15/2013

10/21/2013

Mercantile Bank Corporation, Grand Rapids, 

Michigan, to merge with Firstbank Corporation, 

Alma, Michigan, and thereby indirectly acquire 

Firstbank, Mount Pleasant, Michigan and 

Keystone Community Bank, Kalamazoo, 

Michigan.

MERCANTILE BANK 

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Village B&T to open a branch located at 606 N. 10/15/2013

Milwaukee Ave., Prospect Heights, Illinois.

VILLAGE BANK & TRUST

* 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

 3303917 ROCKFORD B&TC, ROCKFORD, ILLINOIS 05/28/2013 09/24/2013 S Int Sm 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 October 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8

* 18C

* Branch

10/20/2013

10/28/2013

Midland States Bancorp, Inc., Effingham, 

Illinois, to acquire 100 percent of Heartland 

Bank, St. Louis, Missouri. Also Midland States 

Bank, Effingham, Illinois, to merge with 

Heartland Bank, St. Louis, Missouri, and to 

retain the acquired facilities as branch offices.

MIDLAND STATES BANCORP, 

INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 677644 FARMERS & MERCHANTS BK, STUTTGART, ARKANSAS 06/10/2013 09/16/2013 S 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 October 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

11/01/2013

Dairy State Bancorp, Inc., Rice Lake, Wisconsin, 

to acquire 100 percent of Bank of Turtle Lake, 

Turtle Lake, Wisconsin.

DAIRY STATE BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 10/12/2013

10/16/2013

Forstrom Bancorporation, Inc., Clara City, 

Minnesota, to acquire 100% of First Bank of 

Lincoln, Lincoln, Montana.

FORSTROM 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A1 10/21/2013

10/21/2013

James M. and Devon J. Goetz Family Trust Four, 

to acquire 39.53% of Oliver Bancorporation, 

Inc., Center, North Dakota, and thereby 

indirectly acquire Security First Bank of North 

Dakota, New Salem, North Dakota.

JAMES M. AND DEVON J. 

GOETZ FAMILY TRUST FOUR

Newspaper:

Federal Register:

CIC Not available

10/17/2013

Change in Control Notice by Roderick J. 

Heneman Warroad, Minnesota, to retain 25% or 

more of the shares of Warroad Bancshares, Inc., 

Warroad, Minnesota and thereby indirectly 

retain control of Security State Bank of 

Warroad, Warroad, Minnesota.

WARROAD BANCSHARES, 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

 132152 FIRST ST BK OF WARNER, WARNER, SOUTH DAKOTA 06/03/2013 09/18/2013 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 October 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Citizens Bank of Oklahoma, Pawhuska, 10/11/2013

Oklahoma, to establish a branch at 400 North 

Broadway, Cleveland, Oklahoma.

CITIZENS BANK OF 

OKLAHOMA

Newspaper:

Federal Register:

CIC Not available

Not available

Anne Graham, as trustee of the Scott L. Graham 

Revocable Trust, Broken Arrow, Oklahoma, to 

acquire control of First Broken Arrow 

Corporation, Broken Arrow, Oklahoma, parent 

of First National Bank and Trust Company of 

Broken Arrow, Broken Arrow, Oklahoma.

FIRST BROKEN ARROW 

CORPORATION

Newspaper:

Federal Register:

* 18C Not available

Not applicable

FirstBank, Lakewood, Colorado, to purchase 

certain assets and assume certain liabilities of 

the Market Place branch of Frontier Bank, FSB, 

(d/b/a/ El Paseo Bank) Palm Desert, California.

FIRSTBANK

Newspaper:

Federal Register:

CIC Not available

10/15/2013

Notification by D Frank Plater, Jr., Oklahoma 

City, Oklahoma, to acquire control of FSB 

Investments, LLC, parent of The First State 

Bank, all of Oklahoma City, Oklahoma.

FSB INVESTMENTS, LLC

Newspaper:

Federal Register:

* 4c8 Not available

Not available

FSC Bancshares, Inc., Cameron, Missouri, to 

acquire St. Joseph Bancorp, Inc., St. Joseph, 

Missouri, parent of Midwest Federal Savings 

and Loan Association of St. Joseph, St. Joseph, 

Missouri, and thereby engage in the operation 

of a savings association.

FSC BANCSHARES, INC.

Newspaper:

Federal Register:

* SLHC Merger Not available

Not available

The G. Jeffrey Records, Jr. 2003 Family Trust 

(GJR) and the G. Jeffrey Records, Jr. 2003 Family 

Trust (NJR) to retain ownership of Midland 

Financial Co., Oklahoma City, Oklahoma, as a 

result of their merger, with the resultant trust, G. 

Jeffrey Records, Jr. 2003 Family Trust, retaining 

the shares.

G. JEFFREY RECORDS, JR. 2003 

FAMILY TRUST

Newspaper:

Federal Register:

CIC Not available

Not available

A notification submitted by Kathryn R. Ryan, 

Englewood, Colorado, as co-trustee, to acquire 

control of the Kathryn R. Ryan 2007 GST 

Exempt Family Trust, Oklahoma City, Oklahoma, 

and thereby acquire control of additional shares 

of Midland Financial Co., Oklahoma City, 

Oklahoma, parent of MidFirst Bank, Oklahoma 

City, Oklahoma.

KATHRYN R. RYAN 2007 GST 

EXEMPT FAMILY TRUST

Newspaper:

Federal Register:

CIC Not available

Not available

A notification submitted by Kathryn R. Ryan, 

Englewood, Colorado, as co-trustee, to acquire 

control of the Kathryn R. Ryan 2007 

Non-Exempt Family Trust, Oklahoma City, 

Oklahoma, and thereby acquire control of 

additional shares of Midland Financial Co., 

Oklahoma City, Oklahoma, parent of MidFirst 

Bank, Oklahoma City, Oklahoma.

KATHRYN R. RYAN 2007 

NON-EXEMPT FAMILY TRUST

Newspaper:

Federal Register:

* 3A3 10/26/2013

10/28/2013

Summerfield Financial Services, LLC, Lincoln, 

Nebraska, to acquire 100 percent of the voting 

shares of State Bank of Chester, Chester, 

Nebraska.

SUMMERFIELD FINANCIAL 

SERVICES, LLC

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

Federal Reserve Bank of Kansas City

Filings received during the week ending October 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/13/2013

Clea Alsip, Brooklyn, New York; Patti Janese 

Hager, Edmond, Oklahoma; Zela Mae Hanson, 

Tulsa, Oklahoma; Patricia Ann McCortney, 

Farmers Branch, Texas; Vicki Lynn Patton, Ada, 

Oklahoma; Jerry Scott Grandchildren''s Trust, 

Ada, Oklahoma; Kamberly Dawn or Richard 

Clay Skoch, Yukon, Oklahoma; and Tammy Key, 

Sulphur, Oklahoma, as shareholders and 

members to the Vision Bancshares, Inc. Voting 

Agreement, to retain common voting shares of 

Vision Bancshares, Inc., and thereby indirectly 

retain voting shares of Vision Bank, National 

Association, both in Ada, Oklahoma.

VISION 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

 2957014 AMERICAN ST B&TC, GREAT BEND, KANSAS 06/10/2013 09/23/2013 S Small Bank

 139553 CITIZENS SECURITY B&TC, BIXBY, OKLAHOMA 06/17/2013 09/20/2013 S Int Sm Bank

 736550 UNION ST BK, EVEREST, KANSAS 06/24/2013 09/18/2013 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 October 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8 08/13/2013

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

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

TCRT, GJF Financial Management II, LLC, Ford 

Fund Investment LP, and LR Acquisition 

Company LLC, all of Dallas, Texas, each to 

become a bank holding company by directly or 

indirectly acquiring control of Metropolitan 

National Bank, Little Rock, Arkansas. 

Additionally, 2009 TCRT; GJF Financial 

Management II, LLC; Ford Ultimate 

Management II, LLC; and Ford Management II, 

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

novo in financial and investment advisory 

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

Regulation Y.

2009 TCRT

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Retroactive notice by Central Texas Financial 

Corp., Cameron, Texas, to engage in lending 

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

Regulation Y.

CENTRAL TEXAS FINANCIAL 

CORP.

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

09/27/2013

Cullen/Frost Bankers, Inc., San Antonio, Texas, 

to acquire by merger 100 percent of WNB 

Bancshares, Inc., Odessa, Texas, and to 

indirectly acquire Western National Bank, 

Odessa, Texas. In addition, Frost Bank, San 

Antonio, Texas, to acquire by merger Western 

National Bank and to establish all 8 branches of 

Western National Bank as branches of Frost 

Bank.

CULLEN/FROST BANKERS, INC.

Newspaper:

Federal Register:

* 3A5 10/28/2013

10/28/2013

Independent Bank Group, Inc., McKinney, 

Texas, to acquire by merger 100 percent of Live 

Oak Financial Corp., Dallas, Texas, and 

indirectly acquire Live Oak State Bank, Dallas, 

Texas.

INDEPENDENT BANK GROUP, 

INC.

Newspaper:

Federal Register:

CIC Not available

10/24/2013

Retroactive notice of Change in Control filed by 

William E. Dorroh, Shreveport, Louisiana, 

individually and as trustee for the Stephanie D. 

O'Dowd Family Trust; Catherine B. Dorroh, 

Houston, Texas; Walter E. Dorroh, Jr., Jena, 

Louisiana; Mary Elizabeth Dorroh, Jena, 

Louisiana; Tjaden O'Dowd Cox, Mobile, 

Alabama; John Michael O'Dowd, Jr., 

Tuscaloosa, Alabama; and John Michael 

O'Dowd, Sr., Mobile, Alabama, individually and 

as trustee for the George W. O'Dowd Trust and 

the Stephanie D. O'Dowd Family Trust, to 

control, acquire and retain greater than 25 

percent of Mansfield Bancshares, Inc., 

Mansfield, Louisiana, and indirectly, 

Community Bank of Louisiana, Mansfield, 

Louisiana.

MANSFIELD BANCSHARES, 

INC.

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

Federal Reserve Bank of Dallas

Filings received during the week ending October 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

10/16/2013

Northeast Texas Bancshares, Inc., Mount 

Pleasant, Texas, to become a bank holding 

company by acquiring 100 percent of the 

outstanding shares of The American National 

Bank of Mount Pleasant, Mount Pleasant, 

Texas.

NORTHEAST TEXAS 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Texas First Bank, Texas City, Texas, to acquire 

by merger Hull State Bank, Hull, Texas, and to 

establish branches at 100 Walnut Lane, Hull, 

Texas 77564; and 2103 North Main Street, 

Liberty, Texas 77575.

TEXAS FIRST BANK

Newspaper:

Federal Register:

* SLHC 

Formation

09/26/2013

09/27/2013

The GMDK Trust fbo Christopher J. Keyland, 

The GMDK Trust fbo Kathryn J. Roberts, The 

JLD/GMDK Irrevocable Asset Trust fbo 

Christopher J. Keyland, The JLD/GMDK 

Irrevocable Asset Trust fbo Kathryn J. Roberts, 

The JLD-Christopher J. Keyland Descendant 

Trust #3, The JLD-Kathryn J. Roberts 

Descendant Trust #4, The JSD-Christopher J. 

Key land Descendant Trust #3, and The 

JSD-Kathryn J. Roberts Descendant Trust #4, 

all of Fort Worth, Texas, to become savings and 

loan holding companies through the acquisition 

of controlling interests in First Western 

Mortgage Corporation, Colonial Holding 

Company, and therefore indirectly, Colonial 

Savings, FA, all of Fort Worth, Texas.

THE GMDK TRUST FBO 

CHRISTOPHER J. KEYLAND

Newspaper:

Federal Register:

* 3A1 10/12/2013

10/15/2013

ZT Acquisitions, Inc., and ZT Financial 

Holdings, Inc., both of Houston, Texas, to 

become bank holding companies pursuant to 

Section 3(a)(1) through the acquisition of First 

National Bank of Colorado City, Colorado City, 

Texas.

ZT FINANCIAL HOLDINGS, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 October 5, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/24/2013

Change in Bank Control Notice by Alex 

Meruelo, Newport Coast, California, to acquire 

up to 89 percent of NCAL Bancorp, and thereby 

indirectly acquire National Bank of California, 

both of Los Angeles, California.

NCAL BANCORP

Newspaper:

Federal Register:

* Branch

Not applicable

Pacific Commerce Bank, Los Angeles, California, 10/09/2013

to establish a branch facility to be located at 

12730 High Bluff Drive, Suite 180, San Diego, 

California.

PACIFIC COMMERCE 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