Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks;

Applications and Reports Received

No. 32

Week Ending August 10, 2013

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

ABCT Holdings, Inc., Waco, Texas -- written agreement with the Federal Reserve

Bank of Dallas and the Banking Commissioner of the Texas Department of Banking.

- Announced, August 8, 2013

Bankwest Financial, Inc., Rockford, Minnesota -- written agreement dated July 22,

2011, terminated August 5, 2013.

- Announced, August 8, 2013

Belt Valley Bank, Belt, Montana -- written agreement dated June 30, 2011,

terminated August 2, 2013.

- Announced, August 6, 2013

Community Pride Bank Corporation, Ham Lake, Minnesota -- written agreement

dated September 2, 2011, terminated August 5, 2013.

- Announced, August 8, 2013

H.2 Board Actions August 4, 2013 to August 10, 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

August 4, 2013 to August 10, 2013

MA Monetary Affairs

Bank Branches, Domestic

Banco Popular North America, New York, New York -- to establish a branch at

1434 North Rand Road, Arlington Heights, Illinois.

Secretary

- Approved, August 9, 2013

Country Club Bank, Kansas City, Missouri -- to establish a branch at 414 Nichols

Road, Kansas City.

Kansas City

- Approved, August 8, 2013

IberiaBank, Lafayette, Louisiana -- to establish branches at 3120 Gentilly Boulevard,

New Orleans, and 4700 Whitesburg Drive, Huntsville, Alabama.

Secretary

- Approved, August 8, 2013

Northstar Bank of Texas, Denton, Texas -- to establish a branch at 921 West Lamar

Boulevard, Arlington.

Dallas

- Approved, August 9, 2013

Bank Holding Companies

Banc Investors, LLC, Town and Country, Missouri -- to acquire shares of

1st Advantage Bancshares, Inc., St. Peters, and thereby acquire 1st Advantage Bank.

St. Louis

- Approved, August 7, 2013

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

Bryn Mawr Bank Corporation, Bryn Mawr, Pennsylvania -- to acquire Midcoast

Community Bancorp, Wilmington, Delaware, and for Midcoast Community Bank to

merge with and into Bryn Mawr Trust Company, Bryn Mawr.

Philadelphia

- Withdrawn, August 9, 2013

Danske Bank A/S, Copenhagen, Denmark -- to engage in securities brokerage

activities through Danske Markets Inc., New York, New York.

New York

- Withdrawn, August 8, 2013

Goldthwaite Bancshares, Inc., Goldthwaite, Texas -- waiver of application to acquire

First National Bancshares of Hico, Inc., Hico, in connection with the merger of their

respective subsidiary banks, Mills County State Bank, Goldthwaite, and The First

National Bank of Hico, Hico.

Dallas

- Granted, August 5, 2013

Heartland Financial USA, Inc., Dubuque, Iowa -- to acquire Morrill Bancshares, Inc.,

Merriam, Kansas, and thereby acquire Morrill & Janes Bank and Trust Company,

Overland Park.

Chicago

- Approved, August 8, 2013

Home Bancshares, Inc., Conway, Arkansas -- to acquire Liberty Bancshares, Inc.,

Jonesboro, and thereby acquire Liberty Bank of Arkansas.

St. Louis

- Approved, August 7, 2013

H.2 Actions under delegated authority August 4, 2013 to August 10, 2013

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

Tolna Bancorp, Inc., Tolna, North Dakota -- to acquire McVille Financial

Services, Inc., McVille, and thereby acquire McVille State Bank.

Minneapolis

- Approved, August 9, 2013

Banks, Foreign

Danske Bank A/S, Copenhagen, Denmark -- to establish a branch in New York, New

York.

New York

- Withdrawn, August 8, 2013

Change in Bank Control

Commercial Bank of Mott Employee Stock Ownership Plan, Mott, North Dakota --

to retain control of Commercial Bank of Mott Employee Stock Ownership Plan and

its subsidiary, Commercial Bank of Mott, Mott.

Minneapolis

- Permitted, August 5, 2013

Ixonia Bancshares, Inc., Ixonia, Wisconsin -- change in bank control of Ixonia

Bancshares and its subsidiary, Ixonia Bank, Ixonia.

Chicago

- Permitted, August 7, 2013

Washington Bancorp, Washington, Iowa -- to retain control of Washington Bancorp

and its subsidiary, Federation Bank, Washington.

Chicago

- Permitted, August 6, 2013

H.2 Actions under delegated authority August 4, 2013 to August 10, 2013

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

M&P Community Bancshares, Inc. 401(k) Employee Stock Ownership Plan,

Newport, Arkansas -- extension to November 22, 2013, to acquire additional shares

of M&P Community Bancshares, Inc., Newport.

St. Louis

- Granted, August 6, 2013

Savings and Loan Holding Companies

Delanco, MHC, Delanco, New Jersey -- to convert from mutual to stock form and to

merge with Delanco Bancorp, Inc., Delanco, and for Delanco Bancorp to become a

savings and loan holding company by acquiring Delanco Federal Savings Bank.

Philadelphia

- Approved, August 9, 2013

Sunshine Financial, Inc., Tallahassee, Florida -- to engage in the purchase of

commercial real estate loan participations from its subsidiary, Sunshine Savings

Bank, Tallahassee.

Atlanta

- Approved, August 7, 2013

H.2 Actions under delegated authority August 4, 2013 to August 10, 2013

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

Federal Reserve Bank of Boston

Filings received during the week ending August 10, 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 August 10, 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 August 10, 2013

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

 1479470 WOODLANDS BK, WILLIAMSPORT, PENNSYLVANIA 04/01/2013 08/01/2013 O Int Sm 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 August 10, 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 August 10, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Virginia Heritage Bank, Vienna, Virginia to 08/23/2013

establish a branch at 4040 North Fairfax Drive, 

Arlington, Virginia.

VIRGINIA HERITAGE 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 August 10, 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 04/09/2013

04/22/2013

Prior change in control notice filed by P. Bruce 

Culpepper, Tallahassee, Florida; Richard R. 

Dostie, Jacksonville, Florida; Charles E. Hughes, 

Jr., Jacksonville, Florida; J. Malcolm Jones, Jr., 

Jacksonville, Florida; James T. Katsur, 

Longwood, Florida; W. Andrew Krusen, Jr., 

Tampa, Florida; Allan S. Martin, Tampa, Florida; 

Linda C. McGurn, Micanopy, Florida; M. G. 

Sanchez, Gainesville, Florida; DFGM 2010, LLC, 

Tampa, Florida; Dominion Capital Group, LLC, 

Tampa, Florida; Dominion Strategic Resource 

Partners, Tampa, Florida; Jessie T. Krusen IRA, 

Tampa, Florida; William Andrew Krusen, Jr. SEP 

IRA, Tampa, Florida; Krusen Limited 

Partnership, Ltd., Tampa, Florida; Tejas 

Partners, Ltd., Tampa, Florida; Trust UWO 

Isabelle Ball Baker FBO Jessie T. Thompson 

Krusen, Tampa, Florida; WIT Financial Group, 

LLC, Tampa, Florida; and WIT Ventures, Ltd., 

Tampa, Florida; to acquire 25 percent or more of 

the oustanding shares of Florida Capital Group, 

Inc., and its subsidiary, Florida Capital Bank, 

National Association, both of Jacksonville, 

Florida.

FLORIDA CAPITAL GROUP, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Investar Holding Corporation (BHC), notice to 

become a bank holding company by acquiring 

100 percent of the outstanding shares of 

Investar Bank, both of Baton Rouge, Louisiana. 

In addition, BHC has submitted a Financial 

Holding Company declaration.

INVESTAR HOLDING COMPANY

Newspaper:

Federal Register:

CIC Not available

07/12/2013

After-the-fact change of control notice filed by 

Louisiana Bancorp, Inc. Employee Stock 

Ownership Plan (ESOP), George Vernon Curry, 

Jr., and Lisa Rae Whittington, the trustees of 

the ESOP, both of Metairie, Louisiana, to retain 

approximately 17.9 percent of the outstanding 

shares and to acquire additional shares not to 

exceed 24.9 percent of the shares of Louisiana 

Bancorp, Inc. and its subsidiary, Bank of New 

Orleans, both of Metairie, Louisiana.

LOUISIANA BANCORP, INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

NCG Banco, S.A., A Coruna, Spain, to establish 

an international representative-administrative 

office located in Miami, Florida.

NCG BANCO, S.A.

* 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 August 10, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* MHC Not available

Conversion 07/12/2013

AJS Bancorp, MHC, a federally chartered 

mutual holding company, to convert to stock 

form and merge with AJS Bancorp, Inc., a 

federal corporation, both in Midlothian, Illinois. 

AJS Bancorp, Inc. will be merged into a new 

Maryland corporation named AJS Bancorp, Inc., 

which proposes to become a savings and loan 

holding company by acquiring 100 percent of 

the voting shares of A.J. Smith Federal Savings 

Bank, Midlothian, Illinois.

AJS BANCORP, MHC

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

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

to purchase the assets and assume the liabilities 

of two Mason City, Iowa, branch offices of 

Community National Bank, Waterloo, Iowa. 

Clear Lake Bank & Trust Co. will establish a 

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

The office located at 3124 Fourth Street SW, will 

immediately be consolidated with Clear Lake 

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

Tiffany Drive, both of Mason City, Iowa.

CLEAR LAKE BANK AND 

TRUST COMPANY

Newspaper:

Federal Register:

CIC Not available

Not available

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

100 percent of the outstanding voting stock of 

Community Holdings Corp., Palos Hills, Illinois.

COMMUNITY HOLDINGS 

CORPORATION

Newspaper:

Federal Register:

* 4c8 08/02/2013

08/09/2013

First Merchants Corporation, Munster, Indiana, 

to acquire via merger CFS Bancorp, Inc., 

Munster, Indiana, and thereby indirectly acquire 

control of Citizens Financial Bank, Munster, 

Indiana, a federal savings bank.

FIRST MERCHANTS 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

08/28/2013

Stanley Dickson, Jr., Gross Pointe Park, 

Michigan, as an individual, and the group 

consisting of Stanley Dickson, Jr., Gross Pointe 

Park, Michigan, Steven Dickson, Rancho Santa 

Fe, California, Kathryn J. Dickson, Howell, 

Michigan and Riddle Limited Partnership, 

Howell, Michigan ("Riddle LP"), propose to 

acquire control of FNBH Bancorp, Inc., Howell, 

Michigan ("FNBH"), and thereby indirectly 

control First National Bank in Howell, Howell, 

Michigan.

FNBH BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 08/05/2013

08/09/2013

Home Bancorp Wisconsin, Inc., Madison, 

Wisconsin, to become a bank holding company 

through the acquisition of all of the outstanding 

voting stock of Home Savings Bank, Madison, 

Wisconsin. The bank holding company will be 

formed in connection with the proposed 

mutual-to-stock conversion of Home Savings 

Bank, a state chartered mutual savings bank. Pre 

filing review to determine compliance with 

Subpart E of Regulation MM, Conversions from 

Mutual to Stock Form.

HOME BANCORP WISCONSIN, 

INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 10, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Libertyville Bank and Trust Company, 08/20/2013

Libertyville, Illinois, to establish a branch 

facility to be located at 169 North Lake Street, 

Mundelein, Illinois.

LIBERTYVILLE BANK & TRUST 

COMPANY

Newspaper:

Federal Register:

CIC Not available

Not available

Charles M. Shea, of Wilmette, Illinois, as an 

individual, and the group consisting of JP 

Morgan

Chase Bank, N.A., Naperville, Illinois, as 

Trustee of the Jerry C. Bradshaw Family TrustGST Non-Exempt Trust, Naperville, Illinois, and 

the Jerry C. Bradshaw Family Trust- GST Exempt 

Trust, Naperville, Illinois; Charles M. Shea, 

Wilmette, Illinois, as a committee member of the 

Jerry C. Bradshaw Family Trust- GST 

Non-Exempt Trust and the Jerry C. Bradshaw 

Family Trust- GST Exempt Trust; Molly Baed, 

Wassenaar,

Netherlands, as a committee member of the Jerry 

C. Bradshaw Family Trust - GST Non-Exempt 

Trust

and the Jerry C. Bradshaw Family Trust - GST 

Exempt Trust; Betty J. Bradshaw, Wheaton, 

Illinois, as a committee member of the Jerry C. 

Bradshaw Family Trust - GST Non-Exempt Trust 

and the Jerry C. Bradshaw Family Trust- GST 

Exempt Trust, to retain control of the 

outstanding shares of Marseilles 

Bancorporation, Inc., 

Marseilles, Illinois. Marseilles Bancorporation, 

Inc., Marseilles, Illinois, controls Marseilles 

Bank, Marseilles, Illinois.

MARSEILLES 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A3 08/29/2013

08/23/2013

United Community Bancorp, Inc., Chatham, 

Illinois, to acquire 100 percent of Mercantile 

Bank, Quincy, Illinois.

UNITED COMMUNITY 

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

 709143 MIDWEST BK WESTERN IL, MONMOUTH, ILLINOIS 04/02/2012 07/30/2013 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 August 10, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

First State Bank, Russellville, Arkansas to 

become a member of the Federal Reserve 

System.

FIRST STATE BANK

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 487357 TOWN & COUNTRY BK, SALEM, MISSOURI 04/22/2013 07/26/2013 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 August 10, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5

* 18C

* Branch

08/02/2013

08/09/2013

Dacotah Banks, Inc., Aberdeen, South Dakota, 

to merge with Donnelly Bancshares, Inc. and 

thereby indirectly acquire United Farmers and 

Merchants State Bank, both of Morris, 

Minnesota. In addition, Dacotah Bank, 

Aberdeen, South Dakota, to merge with United 

Farmers and Merchants State Bank and, 

incident thereto, establish branches at 4 

Atlantic Avenue, Morris, Minnesota, and 209 

South Main Street, Chokio, Minnesota.

DACOTAH BANKS, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

First Interstate Bank, Billings, Montana, to 

establish a branch facility to be located at 830 

Shiloh Crossing Boulevard, Billings, Montana.

FIRST INTERSTATE BANK

Newspaper:

Federal Register:

CIC Not available

07/11/2013

Change in Control notice by Peter F. Lindholm, 

Long Lake, Minnesota, individually and as 

trustee of Peter F. Lindholm 2012 Irrevocable 

Trust, to retain 25 percent or more of the shares 

of Maple Banc Shares, Inc., Maple Plain, 

Minnesota, and thereby indirectly retain control 

of Bank of Maple Plain, Maple Plain, Minnesota.

MAPLE BANC SHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control Notice by Jay Charles Erie, 

Rochester, John Kenneth Erie, Fargo, North 

Dakota, and Jane Kathryn Erie Moen, Eden 

Prairie, Minnesota, to retain 10 percent or more 

of the shares of MEDR Bancshares, Inc., 

Erskine, Minnesota, and thereby indirectly 

retain control of American State Bank of 

Erskine, Erskine, Minnesota.

MEDR 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

 157650 CROW RIVER ST BK, DELANO, MINNESOTA 10/31/2011 07/25/2013 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 August 10, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notification by the Jennifer L. Wolgamott 2012 

Legacy Trust, Cathleen R. Hefti, as trustee and 

individually, both of Scottsbluff, Nebraska; the 

Christie L. Coletti Christensen 2012 Legacy 

Trust and the Michael P. Coletti 2012 Legacy 

Trust, both of Greeley, Colorado; and the Kay 

Lorraine Hefti Coletti Living Trust, Kay L. 

Coletti and David C. Coletti, trustees, all of 

Cheyenne, Wyoming; to acquire control of First 

State Bancshares, Inc., parent of First State 

Bank, both of Scottsbluff, Nebraska, and 

Security First Bank, Cheyenne, Wyoming.

FIRST STATE BANCSHARES, 

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

FirstBank, Lakewood, Colorado, to establish a 08/15/2013

branch at 5885 West Bell Road, Glendale, 

Arizona.

FIRSTBANK

Newspaper:

Federal Register:

CIC

Not available

Notification by Norman W. Waitt, Jr., Dakota 08/27/2013

Dunes, South Dakota; Christopher M. Mayer, 

Omaha, Nebraska; the John S. Schuele 

Irrevocable Trust, Mary A. Schuele and Dana C. 

Bradford, co-trustees, all of Omaha, Nebraska; 

Todd P. Clevenger, Omaha, Nebraska; and the 

Dana C. Bradford IV Revocable Trust, Dana C. 

Bradford, trustee, both of Omaha, Nebraska; all 

as members of a group acting in concert, to 

acquire control of Premier Bancshares, Inc., 

parent of Premier Bank, both in Omaha, 

Nebraska.

PREMIER BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

08/05/2013

Notification by Dow R. Hughes, Tulsa, 

Oklahoma, individually and as fiduciary, to 

retain control of Regent Capital Corporation, 

parent of Regent Bank, both in Nowata, 

Oklahoma. In addition, notification by the 

following members of the Hughes Family Group 

acting in concert to retain control of Regent 

Capital Corporation, parent of Regent Bank, 

both in Nowata, Oklahoma: the Dow R. Hughes 

Revocable Trust, Dow Hughes, trustee; the 

Deanne D. Hughes Revocable Trust, Deanne D. 

Hughes, trustee; DRH, LLC; Dave Hughes; 

Michelle Hughes; and the David G. Dutton 

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

Oklahoma.

REGENT CAPITAL 

CORPORATION

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 868956 FIRST NORTHERN BK OF WY, BUFFALO, WYOMING 05/06/2013 08/01/2013 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 August 10, 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:

CIC Not available

08/29/2013

Retroactive notice by James A. Hopson, Delhi, 

Louisiana; W. Briggs Hopson, MD, Vicksburg, 

Mississippi; W. Briggs Hopson, III, Vicksburg, 

Mississippi; James W. Hopson, Vicksburg, 

Mississippi; Stacey Hopson Burgess, Haltom 

City, Texas; David Doughty, Rayville, 

Louisiana; Suzette Hopson Doughty, Rayville, 

Louisiana; James O. Doughty, Rayville, 

Louisiana; Mary C. Doughty, Rayville, 

Louisiana; and Mary K. Ricks, Vicksburg, 

Mississippi; collectively a group acting in 

concert, to control, retain, and acquire more 

than 25 percent of Delhi Bancshares, Inc., Delhi, 

Louisiana, and indirectly, Guaranty Bank & 

Trust Company of Delhi, Louisiana, Delhi, 

Louisiana.

DELHI BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Frost Bank, San Antonio, Texas, to establish a 

branch to be located at 1204A West 38th Street, 

Austin, Texas 78705-1007.

FROST BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Frost Bank, San Antonio, Texas, to establish a 

branch to be located at 10767 Kuykendahl Road, 

The Woodlands, Texas 77382-2772.

FROST BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Frost Bank, San Antonio, Texas, to establish a 

branch to be located at Promenade Boulevard 

and U.S. Highway 90, Stafford, Texas 77477.

FROST BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Frost Bank, San Antonio, Texas, to establish a 

branch to be located at 6319 Hillcrest Avenue, 

Suite 400, Dallas, Texas 78205-1850.

FROST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Northstar Bank of Texas, Denton, Texas, to 08/17/2013

establish a branch to be located at 921 West 

Lamar, Arlington, Texas 76012.

NORTHSTAR BANK OF TEXAS

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Peoples Bank, Lubbock, Texas, to establish a 

branch to be located at 615 North Broadway, 

Post, Texas 79356.

PEOPLES BANK

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

Federal Reserve Bank of Dallas

Filings received during the week ending August 10, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/16/2013

Prior notice by George W. Cummings, III and 

Nanette Weaver Cummings, both of Monroe, 

Louisiana, to acquire and control greater than 10 

percent of Progressive Bancorp, Inc., Monroe, 

Louisiana, and indirectly, Progressive Bank, 

Monroe, Louisiana.

PROGRESSIVE BANCORP, 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 August 10, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Bank of Hawaii, Honolulu, Hawaii, to establish a 

branch located within the Safeway Maui Lani 

Store at 58 Maui Lani Parkway, Wailuku, Hawaii.

BANK OF HAWAII

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Hawaii, Honolulu, Hawaii, to establish a 08/12/2013

new Ward branch office to be located at 1288 

Ala Moana Boulevard, Suite 110, Honolulu, 

Hawaii, on or about September 9, 2013; and to 

close its current Ward branch office located at 

201 Ward Avenue, Honolulu, Hawaii, on 

September 6, 2013.

BANK OF HAWAII

Newspaper:

Federal Register:

* 3A3 Not available

08/15/2013

CBOA Financial, Inc., Tucson, Arizona, to 

acquire First Scottsdale Bank, National 

Association, Scottsdale, Arizona.

CBOA FINANCIAL, INC.

* 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

 2209553 HERITAGE BK OF CMRC, SAN JOSE, CALIFORNIA 04/08/2013 07/31/2013 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act