Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks;

Applications and Reports Received

No. 48

Week Ending November 30, 2013

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

Investors Bancorp, MHC, Short Hills, New Jersey, and Investors Bancorp, Inc. -- to

acquire Roma Financial Corporation, MHC, Robbinsville, and Roma Financial

Corporation and thereby indirectly acquire Roma Bank and RomAsia Bank, South

Brunswick Township (FRB Order No. 2013-11).

- Approved, November 27, 2013

Forms

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

Rates (FR 2420).

- Approved, November 25, 2013

Regulations and Policies

Payment System Risk Policy -- publication for comment of proposed rules to

(1) modify the posting rules for automated clearinghouse and commercial check

transactions and (2) make related changes to Regulation J.

- Approved, November 22, 2013

(A/C)

H.2 Board Actions November 24, 2013 to November 30, 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

November 24, 2013 to November 30, 2013

MA Monetary Affairs

Bank Branches, Domestic

Frost Bank, San Antonio, Texas -- to establish a branch at 1800 Post Oak Boulevard,

Houston.

Dallas

- Approved, November 25, 2013

Bank Holding Companies

East West Bancorp, Inc., Pasadena, California -- waiver of application to merge with

MetroCorp Bancshares, Inc., Houston, Texas, in connection with the mergers of

MetroBank, National Association, and Metro United Bank, San Diego, California,

with and into East West's subsidiary bank, East West Bank, Pasadena.

San Francisco

- Granted, November 26, 2013

Banks, Nonmember, and Miscellaneous Institutions

JAM Consolidation Fund, LP, New York, New York; JAM Managers LLC; and

Jacobs Asset Management, LLC -- relief from certain commitments.

Director, BS&R

- Granted, November 25, 2013

Change in Bank Control

Central South Bancorporation, Inc., Indianola, Iowa -- change in bank control of

Central South Bancorporation and its subsidiary, Peoples Savings Bank, Indianola.

Chicago

- Permitted, November 25, 2013

(A/C) = Addition or Correction Delegated - 1 of 2
Extensions of Time

Deutsche Bank Trust Company Americas, New York, New York -- extension of time

to conduct and report the results of a required stress test.

Director, BS&R

- Granted, November 27, 2013

Umpqua Holdings Corporation, Portland, Oregon -- commenter's request to extend

the comment period on the application to merge with Sterling Financial Corporation,

Spokane, Washington, and thereby acquire Sterling Savings Bank.

Secretary

- Denied, November 27, 2013

Membership

Enterprise Bank, National Association, Omaha, Nebraska -- to retain membership in

the Federal Reserve System on conversion from a national to a state charter.

Kansas City

- Approved, November 27, 2013

Southbridge Savings Bank, Southbridge, Massachusetts -- to become a member of

the Federal Reserve System.

Boston

- Approved, November 27, 2013

Savings and Loan Holding Companies

Fox Chase Bancorp, Inc., Hatboro, Pennsylvania -- relief from certain commitments.

Philadelphia

- Granted, November 26, 2013

H.2 Actions under delegated authority November 24, 2013 to November 30, 2013

(A/C) = Addition or Correction Delegated - 2 of 2
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending November 30, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 1

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 November 30, 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 November 30, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* MHC Not available

Conversion

* SLHC 

Formation

Not available

Clifton MHC, Clifton, NJ, proposes to convert 

to stock form and merge with and into Clifton 

Bancorp, Inc., Clifton, NJ, which proposes to 

become a savings and loan holding company by 

acquiring Clifton Saving Bank, Clifton, NJ.

CLIFTON MHC

* 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

 2354985 CUSTOMERS BK, PHOENIXVILLE, PENNSYLVANIA 01/28/2013 11/14/2013 NI Large Bank

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 November 30, 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 November 30, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

The First Bank and Trust Company, Lebanon, 12/02/2013

Virginia, to establish a branch at 7305 Peppers 

Ferry Boulevard, Fairlawn, Virginia

FIRST BANK AND TRUST 

COMPANY, THE

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Union First Market Bank, Richmond, Virginia, to 

acquire certain assets and assume certain 

liabilities of the 9605 Gayton Road branch of 

StellarOne Bank, Christiansburg, Virginia.

UNION FIRST MARKET BANK

* 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 November 30, 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:

CIC Not available

11/26/2013

After-the-fact change in control notice filed by 

Ben F. Easterlin IV and Tommye B. Easterlin, 

both of Atlanta, Georgia, to retain 27.63 percent 

of the outstanding shares of CBA Bankshares, 

Inc., and Citizens Bank of Americus, both of 

Americus, Georgia.

CBA BANKSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

IBERIABANK, Lafayette, Louisiana, to 12/07/2013

establish a branch located at 1294 Union 

Avenue, Memphis, Tennessee, to be known as 

the Memphis Medical Center Branch.

IBERIABANK

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 14 low income housing 

public welfare investments.

REGIONS BANK

Newspaper:

Federal Register:

* 3A5 Not available

12/13/2013

South Georgia Bank Holding Company, Omega, 

Georgia, to merge with Dooly Bancshares, Inc., 

and thereby acquire its subsidiary, Bank of 

Dooly both of Vienna, Georgia.

SOUTH GEORGIA BANK 

HOLDING COMPANY

Newspaper:

Federal Register:

CIC Not available

12/13/2013

After the fact change in control notice filed by 

James Brian Ponder, Melissa Kay Ponder, 

Kenneth Earl Ponder, June Sumner Ponder, 

Beverly Ponder Paulk, all of Tifton, Georgia, as 

well as Marlyn Jones Ponder and Earline 

Ponder, individually and as trustee for April 

Farron Paulk Trust, Jessica Shannon Paulk 

Trust, Cyrus Jones Ponder Trust, Marilyn 

Elisabeth Ponder Trust, Victoria Lorriane Ponder 

Trust, Ponder-Tolbert Trust No.II, Ona Tolbert 

Family Trust, Earl Tolbert Family Trust, Ona 

Tolbert Family Trust No.II, all of Omega, 

Georgia, to collectively retain 11.4 percent of the 

outstanding voting shares of common stock of 

South Georgia Bank Holding Company, and its 

subsidiary, South Georgia Banking Company, 

both of Omega, Georgia.

SOUTH GEORGIA BANK 

HOLDING COMPANY

* 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 November 30, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Central Bank, Storm Lake, Iowa, to purchase the 11/18/2013

assets and assume the liabilities of seven 

branch offices of Liberty Bank, FSB, West Des 

Moines, Iowa. In conjunction, Central Bank will 

establish 7 branch offices.

CENTRAL BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Robert E. Schmidt, Jr., Clearwater, 

Florida, to retain more than 10 percent control of 

Generations Bancorp, Inc., Pewaukee, 

Wisconsin.

GENERATIONS BANCORP, INC.

* 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

 618647 FIRST HERITAGE BK, SHENANDOAH, IOWA 07/22/2013 11/18/2013 S Small Bank

 874845 LAKE CITY BK, WARSAW, INDIANA 07/29/2013 11/16/2013 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 November 30, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Commercial Bank & Trust Company, Monticello, 

Arkansas, to become a member of the Federal 

Reserve System.

COMMERCIAL BANK & TRUST 

COMPANY

Newspaper:

Federal Register:

* 3A1 12/26/2013

12/26/2013

First Bancshares, Inc., Mountain Grove, 

Missouri, to become a bank holding company 

through the conversion of its wholly-owned 

subsidiary bank, First Home Savings Bank, 

Mountain Grove, Missouri, from a state 

chartered savings bank to a state chartered 

nonmember bank.

FIRST BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3

Not available

First Security Bancorp, Searcy, Arkansas, to 12/27/2013

increase its ownership in CrossFirst Holdings, 

LLc, Leawood, Kansas, from 9.18% to 9.90% 

though the purchase of 58,000 additional 

common member units.

FIRST SECURITY BANCORP

* 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

 136459 GATES BKG&TC, GATES, TENNESSEE 08/12/2013 11/22/2013 S Small 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 November 30, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

12/13/2013

The James M. and Devon J. Goetz Family Trust 

Five, Mandan, North Dakota, to acquire 25 

percent or more of the shares of Oliver 

Bancorporation, Inc., Center, North Dakota, and 

thereby indirectly gain control of Security First 

Bank of North Dakota, New Salem, North 

Dakota.

OLIVER BANCORPORATION, 

INC.

* 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 November 30, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

12/23/2013

Citizens National Corporation, Wisner, 

Nebraska, to acquire 100 percent of the voting 

shares of Cass County State Company, parent 

of Cass County Bank, Inc.

CITIZENS NATIONAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Grand Bancorp, Inc., Grove, Oklahoma, to 

become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Grand Savings Bank, Grove, Oklahoma.

GRAND BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

12/23/2013

Plains Bancshares, Inc., Plains, Kansas, to 

become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Plains State Bank, Plains, Kansas.

PLAINS 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

 742355 FARMERS BK OF LINCOLN, LINCOLN, MISSOURI 08/26/2013 11/22/2013 S Small Bank

 704559 METCALF BK, LEES SUMMIT, MISSOURI 08/12/2013 11/20/2013 S Large 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 November 30, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

12/16/2013

Cistern, LLC and Flatonia Investments, LLC, 

both of Houston, Texas, to become bank 

holding companies by acquiring 100% of The 

Columbia Savings Bank, Cincinnati, Ohio.

CISTERN, LLC

Newspaper:

Federal Register:

* 3A1 12/11/2013

12/16/2013

Hill Country Bancshares, Inc., Llano, Texas, to 

become a bank holding company by acquiring 

100 percent of Llano National Bank, Llano, 

Texas.

HILL COUNTRY BANCSHARES, 

INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

The Menard National Bank, Menard, Texas, to 

become a member of the Federal Reserve 

System through the conversion from a national 

bank charter.

MENARD NATIONAL BANK, 

THE

Newspaper:

Federal Register:

* Branch

Not applicable

Plains Capital Bank, Dallas, Texas, to establish a 12/10/2013

branch at 1748 E. Broad St., Suite 102, 

Mansfield, Texas 76063.

PLAINSCAPITAL BANK

Newspaper:

Federal Register:

* Branch

Not applicable

PlainsCapital Bank, Dallas, Texas, to establish a 12/10/2013

branch at 6100 Colleyville Boulevard, Suite 170, 

Colleyville, Texas 76034.

PLAINSCAPITAL BANK

Newspaper:

Federal Register:

* Branch

Not applicable

PlainsCapital Bank, Dallas, Texas, to establish a 12/10/2013

branch at 126 Ranch House Road, Suite 400, 

Aledo, Texas 76008.

PLAINSCAPITAL BANK

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Share Plus Federal Bank, Plano, Texas, to 

become a member of the Federal Reserve 

System through the conversion from a federal 

savings bank.

SHARE PLUS FEDERAL BANK

Newspaper:

Federal Register:

* 3A1 12/14/2013

12/26/2013

The 2013 Monte Hulse Family Irrevocable Trust 

I, Waco, Texas, to acquire 19.62 percent 

(1,672.45 shares) of FCT Bancshares, Inc., 

Waco, Texas, and thereby indirectly acquire 

First National Bank of Central Texas, Waco, 

Texas.

THE 2013 MONTE HULSE 

FAMILY IRREVOCABLE TRUST I

* 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 November 30, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Carpenter Bank Partners, Inc, CCFW, Inc, dba 

Carpenter & Company, Carpenter Fund 

Manager GP, LLC, Carpenter Fund Management 

Company, LLC, Carpenter Community 

BancFund, L.P., Carpenter Community 

BancFund-A, L.P., and Carpenter Community 

BancFund-CA, L.P., all of Irvine, California, to 

acquire 18.1 percent of Heritage Oaks Bancorp 

and thereby indirectly acquire Heritage Oaks 

Bank, both of Paso Robles, California.

CARPENTER BANK PARTNERS, 

INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Bank Control Notice by The Ricco 

Lagomarsino Testamentary Trust, Daly City, 

California, and a group consisting of Lisa 

Angelot, Enrico P. Togneri, Warren Hutchins, T. 

Anne Lassahn, (Trustees of the Trust), and 

Dolores Togneri, Lora Angelot, and Eric 

Angelot, all of Daly City, California, to retain in 

excess of 10 percent of FNB Bancorp and 

thereby indirect control of First National Bank 

of Northern California, both of South San 

Francisco, California.

FNB BANCORP

Newspaper:

Federal Register:

* 3A5 12/20/2013

12/23/2013

Heritage Oaks Bancorp, Paso Robles, California, 

to merge with Mission Community Bancorp, San 

Luis Obispo, California, with Heritage Oaks 

Bancorp as the surviving entity.

HERITAGE OAKS BANCORP

Newspaper:

Federal Register:

CIC Not available

10/24/2013

1) 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 and 2) Notices 

by NCAL Bancorp, Los Angeles, California, to 

appoint Alex Meruelo, Luis Alberto Armona, 

Xavier Alvarez Gutierrez and Ashokkumar R. 

Patel as Directors.

NCAL BANCORP

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

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