Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks;

Applications and Reports Received

52No.

Week Ending December 28, 2013

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

Division of Monetary Affairs -- appointment of Seth Carpenter as deputy director,

Robert Tetlow as adviser, and Debbie Danker as senior adviser.

- Approved, December 18, 2013

(A/C)

Regulations and Policies

Volcker Rule -- interagency statement on the treatment of collateralized debt

obligations backed by trust preferred securities.

- Announced, December 27, 2013

H.2 Board Actions December 22, 2013 to December 28, 2013

(A/C) = Addition or Correction Board - Page 1 1of
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

December 22, 2013 to December 28, 2013

MA Monetary Affairs

Bank Branches, Domestic

Commerce Bank, Kansas City, Missouri -- to establish a branch at 9501 Antioch

Road, Overland Park, Kansas.

Kansas City

- Approved, December 26, 2013

FirstBank, Lakewood, Colorado -- to establish a branch at 100 South College

Avenue, Fort Collins.

Kansas City

- Approved, December 23, 2013

Pacific Commerce Bank, Los Angeles, California -- to establish a branch at

12730 High Bluff Drive, San Diego.

San Francisco

- Approved, December 24, 2013

Bank Holding Companies

Cistern, LLC, Houston, Texas, and Flatonia Investments, LLC -- to become bank

holding companies by acquiring The Columbia Savings Bank, Cincinnati, Ohio.

Dallas

- Withdrawn, December 24, 2013

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

Community Capital Bancshares, Inc., Albany, Georgia -- waiver of application to

acquire Dougherty Trust Interim National Bank, Albany, to facilitate the sale of

certain fiduciary accounts of Community Capital's subsidiary bank, AB&T National

Bank, to Dougherty Trust, which will then merge with and into Thomasville National

Bank, Thomasville.

Atlanta

- Approved, December 24, 2013

First Liberty Capital Corporation Employee Stock Ownership Plan, Hugo, Colorado

-- to acquire additional shares of First Liberty Capital Corporation, Hugo, and its

subsidiary, The First National Bank of Hugo.

Kansas City

- Approved, December 27, 2013

JAM Consolidation Fund, LP, New York, New York; JAM Special Opportunities

Fund II, LP; JAM Managers, LLC; JAM Equity Partners, LLC; and Jacobs Asset

Management, LLC -- relief from certain commitments.

Director, BS&R

- Granted, December 23, 2013

JAM Partners, LP, New York, New York; JAM Consolidation Fund, LP; JAM

Managers, LLC; Investure Global Equity (JAM), LLC; Investure Global Equity

Fund, LP--All Asset Series; Investure Global Equity (GP), LLC; Investure, LLC; and

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

Director, BS&R

- Granted, December 23, 2013

H.2 Actions under delegated authority December 22, 2013 to December 28, 2013

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

James M. and Devon J. Goetz Family Trust Four, Mandan, North Dakota -- to

become a bank holding company by acquiring shares of Oliver Bancorporation, Inc.,

Center, and thereby indirectly acquiring Security First Bank of North Dakota, New

Salem.

Minneapolis

- Withdrawn, December 26, 2013

NBC Holdings, LLC, Birmingham, Alabama, and ATB Management, LLC -- relief

from a commitment.

Director, BS&R

- Granted, December 23, 2013

South Georgia Bank Holding Company, Omega, Georgia -- to merge with Dooly

Bancshares, Inc., Vienna, and thereby acquire its subsidiary, Bank of Dooly.

Atlanta

- Approved, December 27, 2013

Bank Mergers

Union First Market Bank, Richmond, Virginia -- to acquire certain assets and assume

certain liabilities of a branch of StellarOne Bank, Christiansburg.

Richmond

- Approved, December 26, 2013

Banks, State Member

Goldman Sachs Bank USA, New York, New York -- to make a public welfare

investment.

Director, BS&R

- Approved, December 24, 2013

H.2 Actions under delegated authority December 22, 2013 to December 28, 2013

(A/C) = Addition or Correction Delegated - 3 of 4
Change in Bank Control

Abdo Investments, Inc., Edina, Minnesota -- to retain control of Abdo Investments,

Inc. and its subsidiary, BankVista, Sartell.

Minneapolis

- Permitted, December 23, 2013

Oliver Bancorporation, Inc., Center, North Dakota -- change in bank control of

Oliver Bancorporation and its subsidiary, Security First Bank of North Dakota, New

Salem.

Minneapolis

- Permitted, December 23, 2013

Financial Holding Companies

Ally Financial, Inc., Detroit, Michigan -- election to become a financial holding

company.

Chicago

- Effective, December 20, 2013

(A/C)

Membership

The Jim Thorpe National Bank, Jim Thorpe, Pennsylvania -- to retain membership in

the Federal Reserve System on conversion to a state-chartered bank.

Philadelphia

- Approved, December 27, 2013

H.2 Actions under delegated authority December 22, 2013 to December 28, 2013

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

Federal Reserve Bank of Boston

Filings received during the week ending December 28, 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 December 28, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citibank, N.A., Sioux Falls, South Dakota and 

Citibank Overseas Investment Corporation, New 

Castle, Delaware, pursuant to Section 211.9(f) of 

Regulation K, to make an additional investment 

in Citibank International plc, London, England.

CITIBANK, N.A.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

New Investors Bancorp, Inc., Short Hills, New 

Jersey, providing notice pursuant to Section 

3(a)(1) of the BHC Act and Section 225.15 of 

Regulation Y to acquire Investors Bank, Short 

Hills, New Jersey. The proposed acquisition 

would occur in connection with a second step 

stock conversion of Investors Bancorp, MHC. 

As part of this conversion, Investors Bancorp, 

MHC and its existing mid-tier subsidiary, 

Investors Bancorp, Inc., Short Hills, New Jersey, 

will be merged out of existence.

NEW INVESTORS BANCORP, 

INC.

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending December 28, 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

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 December 28, 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 December 28, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Hometown Bank, Roanoke, Virginia, to establish 

a branch at 852 West Main Street, Salem, 

Virginia.

HOMETOWN 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 December 28, 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

First Farmers & Merchants Bank, Columbia, 12/24/2013

Tennessee, to establish a branch located at 4013 

Hillsboro Circle, Nashville, Tennessee.

FIRST FARMERS AND 

MERCHANTS BANK

Newspaper:

Federal Register:

* 3A1 Not available

01/17/2014

First Florida Bancorp, Inc., to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of First Florida Bank, 

both of Destin, Florida.

FIRST FLORIDA BANCORP, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Franklin Synergy Bank, Franklin, Tennessee, to 

merge with MidSouth Bank, Murfreesboro, 

Tennessee.

FRANKLIN SYNERGY 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 December 28, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Baylake Bank, Sturgeon Bay, Wisconsin, to 

purchase certain assets and assume certain 

liabilities of a branch, located at 333 South 

Nicolet Road, Appleton, Wisconsin of 

Community Bank & Trust, Sheboygan, 

Wisconsin.

BAYLAKE BANK

Newspaper:

Federal Register:

CIC 01/10/2014

01/09/2014

Mary Lou McChristy, Stonington, Illinois, to 

acquire 25 percent or more of the outstanding 

shares of Blue Mound Bancshares, Inc., and 

thereby indirectly acquire control of The State 

Bank of Blue Mound, both of Blue Mound, 

Illinois, and Mary Lou McChristy and Frank J. 

McChristy, Stonington, Illinois, together as a 

group acting in concert, to retain control of 10 

percent or more of Blue Mound Bancshares, 

Inc., and thereby indirectly retain control of The 

State Bank of Blue Mound.

BLUE MOUND BANCSHARES, 

INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Farmers & Merchants Bank, Berlin, Wisconsin, 

to establish a branch facility located at 663 

Broadway Street, Berlin, Wisconsin.

FARMERS & MERCHANTS 

BANK, THE

Newspaper:

Federal Register:

* Branch

Not applicable

Farmers & Merchants Savings Bank, 12/26/2013

Manchester, Iowa, to establish a branch office 

at 111 E. 1st Street, Monticello, Iowa.

FARMERS & MERCHANTS 

SAVINGS BANK

Newspaper:

Federal Register:

CIC Not available

01/02/2014

The George Breckenridge Family Trust, with 

Maureen Breckenridge as trustee, and Maureen 

Breckenridge as trustee of the George 

Breckenridge Family Trust and the Maureen 

Breckenridge Trust, individually, and the 

George Breckenridge Family Trust, the Maureen 

Breckenridge Trust, and Maureen Breckenridge 

as trustee of the George Breckenridge Family 

Trust and the Maureen Breckenridge Trust, all 

of Yates City, Illinois, together as a group acting 

in concert, to retain control of 25 percent or 

more of the voting shares of First Bancorp, Inc., 

and thereby indirectly retain control of Bank of 

Yates City, both of Yates City, Illinois.

FIRST BANCORP, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Lake Forest Bank & Trust Company, Lake 

Forest, Illinois, to purchase the assets and 

assume the liabilities of a branch, and will 

continue to operate a branch, located at 4 East 

Scranton Avenue, Lake Bluff, Illinois; from 

Baytree National Bank & Trust Company, Lake 

Forest, Illinois.

LAKE FOREST BANK & TRUST 

COMPANY

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

Federal Reserve Bank of Chicago

Filings received during the week ending December 28, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8 01/17/2014

Mid Illinois Bancorp, Inc., Employee Stock 

Ownership Plan, Peoria, Illinois, to become a 

bank holding company by acquiring at least 30 

percent of Mid Illinois Bancorp, Inc., Peoria, 

Illinois, and thereby acquire control of South 

Side Trust and Savings Bank, Peoria, Illinois. 

ESOP also requests permission to engage in 

extending credit and servicing loans pursuant to 

Section 225.28(b)(1) of Regulation Y.

MID ILLINOIS BANCORP, INC. 

EMPLOYEE STOCK OWNERSHIP 

PLAN

Newspaper:

Federal Register:

* 3A3 01/14/2014

01/10/2014

Van Buren Bancorporation ESOP, Keosauqua, 

Iowa, to increase its ownership of Van Buren 

Bancorporation, Keosauqua, Iowa, from 43.42 

percent to up to 50.1 percent, and thereby 

increase its indirect ownership of Community 

First Bank, Keosauqua, Iowa and First Iowa 

State Bank, Albia, Iowa.

VAN BUREN 

BANCORPORATION EMPLOYEE 

STOCK OWNERSHIP PLAN

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending December 28, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

Not available

Bank of the Ozarks, Inc., Little Rock, Arkansas, 01/18/2014

to acquire 100 percent of Bancshares, Inc., 

Houston, Texas, and thereby indirectly acquire 

OmniBank, N.A., Houston, Texas.

BANK OF THE OZARKS 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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 9

Federal Reserve Bank of Minneapolis

Filings received during the week ending December 28, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/09/2014

Dawn Crane, Fosston, Minnesota, individually 

and as trustee, and Lorri Skeie-Campbell, Rio 

Rancho, New Mexico, individually and as 

trustee, to retain and acquire 25% or more of the 

shares of Financial Services of Winger, Inc., 

Winger, Minnesota ("FSWI"), and thereby 

indirectly retain and acquire control of Ultima 

Bank Minnesota, Winger, Minnesota. Also, 

Dawn M. Skeie Crane Irrevocable Trust, 

Winger, Minnesota, Dawn Crane, co-trustee, 

and Lorri J. Skeie-Campbell Irrevocable Trust, 

Winger, Minnesota, Lorri Skeie-Campbell, 

co-trustee, to retain voting shares of FSWI and 

thereby remain members of the Skeie family 

shareholder group, which controls 25% or more 

of FSWI.

FINANCIAL SERVICES OF 

WINGER, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control notice by Mary Kathryn 

Fleming, Shorewood, Wisconsin, to retain 

control of 10% or more of the shares of 

Headwaters Bancorp, Inc., Land O' Lakes, 

Wisconsin and thereby control Headwaters 

Bank, Land O' Lakes, Wisconsin. Jerry L. Olk, 

Land O' Lakes, Wisconsin, individually and as 

trustee, Jerry L. Olk Revocable Trust, Land 

O'Lakes, Wisconsin, Thomas L. Olk, Steven 

Point, Wisconsin, individually and as trustee, 

Elise E. Olk, Stevens Point, Wisconsin, 

individually and as trustee, Thomas L. & Elise E. 

Olk Revocable Trust, Stevens Point, Wisconsin, 

Susan Joanne Olk, San Francisco, California, 

individually and as trustee, Susan Joanne Olk 

Revocable Trust, San Francisco, California, R. 

Joseph Olk Irrevocable Trust, James Fogle, 

trustee, both of St. Louis, Missouri, Hilary Olk 

Dutcher, St. Louis, Missouri, Nathaniel Wood 

Olk, Chesterfield, Missouri, and Molly Wellborn 

Olk, Boulder, Colorado to acquire or retain 

shares of Headwaters Bancorp., Inc., Land O' 

Lakes, Wisconsin, and thereby become or 

remain members of the Olk family control group 

which control 25% or more of the shares of 

Headwater Bancorp., Inc., Land O' Lakes, 

Wisconsin.

HEADWATERS BANCORP, 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 December 28, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 12/23/2013

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:

* 18C Not available

* Branch Not applicable

Cornerstone Bank, York, Nebraska, to merge 

with The Bank of Marquette, Marquette, 

Nebraska, and incident thereto, to establish a 

branch.

CORNERSTONE BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

InterBank, Oklahoma City, Oklahoma, to merge 

with Park Cities Bank, Dallas, Texas, and 

incident thereto, to establish branches in 

Dallas(3), and Fort Worth, all in Texas.

INTERBANK

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Olney Bancshares of Texas, Inc., Olney, Texas, 

to acquire 100 percent of the voting shares of 

Park Cities Bank, Dallas, Texas.

OLNEY BANCSHARES OF 

TEXAS, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

ONB Bank and Trust Company, Tulsa, 

Oklahoma, to become a member of the Federal 

Reserve System.

ONB BANK AND TRUST 

COMPANY

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending December 28, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* SLHC Not available

Acquisition

MHC Minority 

Stock Issuance

12/23/2013

AF Mutual Holding Company and Alamogordo 

Financial Corp., both of Alamogordo, New 

Mexico, to acquire by merger, Bank 1440, 

Phoenix, Arizona; and Alamogordo Financial 

Corp., to conduct a minority stock issuance.

AF MUTUAL HOLDING 

COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

Community Trust Bank, Choudrant, Louisiana, 12/27/2013

to establish a branch to be located at 2170 

Buckthorne Place, Suite 150, The Woodlands, 

Texas 77380

COMMUNITY TRUST BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Frost Bank, San Antonio, Texas, to establish a 

branch located at 12700 Hill Country Blvd., Suite 

150, Bee Cave, Texas 78738.

FROST BANK

Newspaper:

Federal Register:

* 3A3 12/26/2013

01/03/2014

Mesa Financial Corporation, Sweetwater, Texas, 

to acquire 100 percent of South Taylor County 

Bancshares, Inc., and thereby indirectly acquire 

100 percent of the outstanding shares of First 

State Bank in Tuscola, both in Tuscola, Texas.

MESA FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

01/10/2014

Minden Bancorp, Inc., Minden, Louisiana, to 

become a bank holding company by acquiring 

100 percent of MBL Bank, Minden, Louisiana.

MINDEN BANCORP, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Strategic Growth Bank Incorporated and 

Strategic Growth Bancorp Incorporated, both of 

El Paso, TX, to acquire up to 23.9 percent of 

Guardian Mortgage Company, Inc., Richardson, 

Texas, pursuant to Section 4(c)(8) of the BHC 

Act and Regulation Y, and thereby engage in 

extending credit and servicing loans; and 

engaging under contract with a third party in 

asset management, servicing, and collection of 

assets.

STRATEGIC GROWTH BANK 

INCORPORATED

* 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 December 28, 2013

Filer Filing Type Filing Proposal End of Comment Period

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:

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