Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 52 

Week Ending December 29, 2012

Board of Governors of the Federal Reserve System, Washington, DC 20551
None

H.2 Board Actions December 23, 2012 to December 29, 2012

(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

December 23, 2012 to December 29, 2012

MA Monetary Affairs

Bank Holding Companies

Carlile Bancshares, Inc., Fort Worth, Texas; Washington Investment Company, 

Yuma, Colorado; and Colorado Community Bank -- modification of certain 

commitments.

Director, BS&R

- Granted, December 28, 2012

First Northwest Bancorp, Port Angeles, Washington -- to become a bank holding 

company on conversion of First Federal Savings and Loan Association of Port 

Angeles, Port Angeles, from a mutual to a stock savings bank.

San Francisco

- Withdrawn, December 26, 2012

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

Town and Country Bancshares, Inc., Stephenville, Texas, in connection with the 

merger of their respective subsidiaries, InterBank, Oklahoma City, Oklahoma, and 

Town and Country Bank, Stephenville, Texas.

Kansas City

- Granted, December 28, 2012

Premier Bancshares, Inc., Omaha, Nebraska -- to become a bank holding company by 

acquiring Premier Bank, Omaha.

Kansas City

- Approved, December 27, 2012

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

InterBank, Oklahoma City, Oklahoma -- to merge with Town and Country Bank, 

Stephenville, Texas, and thereby establish branches in Stephenville, Glen Rose, 

Granbury, Bluff Dale, and Aledo.

Kansas City

- Approved, December 28, 2012

Change in Bank Control

Cache Holdings, Inc., Broken Arrow, Oklahoma -- change in bank control of Cache 

Holdings and its subsidiary, Patriot Bank, Broken Arrow.

Kansas City

- Permitted, December 26, 2012

Guthrie County Bancshares, Inc., Guthrie Center, Iowa -- change in bank control of 

Guthrie County Bancshares and its subsidiary, Guthrie County State Bank, Panora.

Chicago

- Permitted, December 26, 2012

Extensions of Time

First Security Bancorp, Searcy, Arkansas -- extension to May 8, 2013, to increase its 

ownership of CrossFirst Holdings, LLC, Leawood, Kansas.

St. Louis

- Granted, December 27, 2012

FirstMerit Corporation, Akron, Ohio -- commenter's request to extend the comment 

period on the application to acquire Citizens Republic Bancorp, Inc., Flint, Michigan, 

and its subsidiary, Citizens Bank.

Secretary

- Denied, December 18, 2012

(A/C)

H.2 Actions under delegated authority December 23, 2012 to December 29, 2012

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

Live Oak Bancshares, Inc., Wilmington, North Carolina -- commenter's request to 

extend the comment period on the application to acquire Government Loan 

Solutions, Inc., Cleveland, Ohio. 

Secretary

- Denied, December 28, 2012

RSB Bancorp, MHC, Roselle, New Jersey, and RSB Bancorp, Inc. -- extension to 

January 3, 2013, to become bank holding companies by acquiring Roselle Savings 

Bank, Roselle.

New York

- Granted, December 27, 2012

Membership

Bankers' Bank of Kansas, National Association, Wichita, Kansas -- to retain 

membership in the Federal Reserve System on conversion from a national to a state 

charter.

Kansas City

- Approved, December 24, 2012

First Iowa State Bank, Albia, Iowa -- to become a member of the Federal Reserve 

System.

Chicago

- Approved, December 28, 2012

H.2 Actions under delegated authority December 23, 2012 to December 29, 2012

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

Federal Reserve Bank of Boston

Filings received during the week ending December 29, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

1854 Bancorp, Cambridge, Massachusetts to 

become a mutual holding company through the 

acquisition of East Cambridge Savings Bank, 

Cambridge, Massachusetts, pursuant to section 

3(a)(1) of the BHC Act.

1854 BANCORP

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Application by Franklin Bancorp MHC, 

Franklin, New Hampshire to establish a mutual 

bank holding company through the acquisition 

of Franklin Savings Bank, Franklin, New 

Hampshire. The filing was submitted pursuant 

to section 3(a)(1) of the Bank Holding Company 

Act of 1956, as amended.

FRANKLIN BANCORP MHC

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 149271 NORTHAMPTON CO-OP BK, NORTHAMPTON, MASSACHUSETTS 08/13/2012 12/23/2012 S Small Bank

 3843392 START CMNTY BK, NEW HAVEN, CONNECTICUT 07/23/2012 11/10/2012 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending December 29, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Other Foreign Not applicable

Not applicable

Banco Popular de Puerto Rico, San Juan, Puerto 

Rico requests permission to establish an 

agreement corporation, pursuant to Section 

211.5 of Regulation K.

BANCO POPULAR DE PUERTO 

RICO

Newspaper:

Federal Register:

* 3A3 Not available

12/26/2012

FNBNY Bancorp, Inc. and Modern Capital 

Holdings LLC, both of New York, New York, to 

acquire up to 24.89 percent of the total equity of 

The Upstate National Bank, Rochester, New 

York, under Section 3(a)(3)of the Bank Holding 

Company Act and Section 225.15 of Regulation 

Y.

FNBNY 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

 92902 BANK OF CATTARAUGUS, CATTARAUGUS, NEW YORK 08/13/2012 12/11/2012 O Small Bank

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 29, 2012

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 29, 2012

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 29, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banque Centrale Populaire, Casablanca, 

Morocco, to establish a representative office in 

Washington, D.C.

BANQUE CENTRALE 

POPULAIRE

* 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

 436823 CENTRAL VA BK, POWHATAN, VIRGINIA 07/09/2012 12/20/2012 S Large Bank

 790721 EVB, TAPPAHANNOCK, VIRGINIA 08/20/2012 12/13/2012 S Large Bank

 3567269 SELECT BK, FOREST, VIRGINIA 09/10/2012 12/12/2012 O Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 6

Federal Reserve Bank of Atlanta

Filings received during the week ending December 29, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* MHC Not available

Conversion

* SLHC 

Formation

01/19/2013

First Charter, MHC, West Point, Georgia, to 

convert to stock form and merge with and into 

Charter Financial Corporation, West Point, 

Georgia, which proposes to become a savings 

and loan holding company by acquiring 

Charterbank, West Point, Georgia.

CHARTER FINANCIAL 

CORPORATION

* 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

 3560783 CAPITALMARK B&T, CHATTANOOGA, TENNESSEE 05/07/2012 12/12/2012 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending December 29, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

Not available

Baylake Corporation, Sturgeon Bay, Wisconsin, 

formed a single-member limited liability 

company subsidiary named Admiral Asset 

Management, LLC, Greenbay, Wisconsin, to 

operate as a registered investment advisor and 

service customers of Baylake Bank, Sturgeon 

Bay, Wisconsin.

BAYLAKE CORP.

Newspaper:

Federal Register:

CIC Not available

12/18/2012

Members of the Irish and Hodgson family which 

include: Ann Kennedy Irish, Harbor Springs, 

Michigan, as trustee of the Ann Kennedy Irish 

Trust; the Ann Kennedy Irish Trust, Harbor 

Springs, Michigan, David H. Irish, Harbor 

Springs, Michigan, as trustee of the David H. 

Irish Trust; the David H. Irish Trust, Harbor 

Springs, Michigan; Tracy Irish Texter, 

Middleville, Michigan and John F. Texter, 

Middleville, Michigan, as trustees of the John F. 

Texter and Tracy I. Texter Trust; the John F. 

Texter and Tracy I. Texter Trust, Middleville, 

Michigan; Susan Irish Stewart, Harbor Springs, 

Michigan, as trustee of the Susan Irish Stewart 

Revocable Intervivos Trust; the Susan Irish 

Stewart Revocable Intervivos Trust, Harbor 

Springs, Michigan; Colin David Irish, 

Marquette, Michigan; Perry Irish Hodgson, 

Charlevoix, Michigan; Liam Foster Hodgson, 

Beaver Island, Michigan; Alexander Irish 

Hodgson, Charlevoix, Michigan; and Raymond 

Earhart Hodgson, Charlevoix, Michigan, to be 

added to the Hodgson Family Control Group 

and to thereby retain control of 25 percent or 

more of Charlevoix First Corporation, 

Charlevoix, Michigan and indirectly Charlevoix 

State Bank, Charlevoix, Michigan.

CHARLEVOIX FIRST 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Coyn V. Richardson, Revocable Trust Dated 

04/06/06, 1997 Irrevocable Trust Agreement of 

Coyn V. Richardson (Chrisman Bancorp), and 

Kimberly Ann Richardson, Irrevocable Trust, as 

a group, acting in concert, to acquire Chrisman 

Bancorp.

CHRISMAN BANCORP, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Morton Community Bank, Morton, Illinois, to 

establish a branch facility to be located at 2401 

East Empire Street, Suite D, Bloomington, 

Illinois.

MORTON COMMUNITY BANK

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

Federal Reserve Bank of Chicago

Filings received during the week ending December 29, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC

Not available

Trident SBI Holdings, LLC; Trident V, L.P.; 12/11/2012

Trident V Parallel Fund, L.P.; Trident V 

Professionals Fund, L.P.; Trident Capital V, L.P.; 

Trident Capital V-PF, L.P.; Stone Point GP Ltd; 

CD Trident V, LLC; and Charles A. Davis, all of 

Greenwich, Connecticut, as a group acting in 

concert, to acquire control of Standard 

Bancshares, Inc., Hickory Hills, Illinois, and 

thereby indirectly acquire control of Standard 

Bank and Trust Company, Hickory Hills, Illinois.

STANDARD BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 12/18/2012

12/24/2012

Notice by The Guttau Family consisting of 

Michael K. Guttau, Judith Ann Guttau, and the 

Heidi Guttau-Fox and Joshua Guttau Irrevocable 

Living Trust, Treynor, Iowa, Heidi Ann 

Guttau-Fox, Minden, Iowa, and Joshua Michael 

Guttau, Treynor, Iowa, as Trustees, as group 

acting in concert, to retain control of Treynor 

Bancshares, Inc., Treynor, Iowa, and thereby 

indirectly control Treynor State Bank, Treynor, 

Iowa.

TREYNOR BANCSHARES, INC.

Newspaper:

Federal Register:

* MHC Not available

Conversion 12/18/2012

WBSB Bancorp, MHC proposes to convert to 

stock form and merge with and into WBSB 

Bancorp, Inc. (the "Bancorp"), an existing 

savings and loan holding company. Immediately 

after the merger, the Bancorp will merge with 

and into a new company called Westbury 

Bancorp, Inc., which will become a savings and 

loan holding company through the acquisition 

of 100 percent of the outstanding stock of 

Westbury Bank, a federal stock savings bank 

headquartered in West Bend, Wisconsin.

WBSB BANCORP, MHC

* 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

 982348 IOWA ST BK, HULL, IOWA 08/06/2012 12/18/2012 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending December 29, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 01/10/2013

establish a branch facility to be located at 13301 

Crystal Hill Road, North Little Rock, Arkansas.

ARVEST BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Jacksonville Bancorp, Inc., Jacksonville, Illinois, 

proposes to become a bank holding company 

though the termination of the savings and loan 

holding company election by its subsidiary 

savings association, Jacksonville Savings Bank, 

Jacksonville, Illinois, pursuant to Section 10(l) 

of the Home Owners Loan Act.

JACKSONVILLE BANCORP, INC

Newspaper:

Federal Register:

* 3A3 01/21/2013

01/29/2013

M&P Community Bancshares, Inc., 401(k) 

Employee Stock Ownership Plan, Newport, 

Arkansas, to acquire additional shares of M&P 

Community Bancshares, Inc., Newport, 

Arkansas, for a total of ownership of up to 37 

percent.

M&P COMMUNITY 

BANCSHARES, INC. 401(K) 

EMPLOYEE STOCK OWNERSHIP 

PLAN

Newspaper:

Federal Register:

CIC 01/07/2013

01/17/2013

Barbara K. Ferry, Nevada, Missouri, individually 

and as trustee of the L. Ingles Ferry Trust A, 

Barbara Fowler Ferry Trust, Hubert L. Fowler 

Trust, and the Marguerite Fowler Trust, and as 

a member of a family control group which 

includes, David L. Ferry, Joseph D. Ferry, 

Patrick Ferry, Lindley G. Ferry, Barbara J. 

Benbrook, Scott D. Benbrook, Jeffrey L. 

Benbrook and Emily L. Benbrook, to acquire 

control of Mid-Missouri Bancshares, Inc., 

Springfield, Missouri, through Barbara K. 

Ferry's assumption of voting power over shares 

held by the four trusts.

MID-MISSOURI BANCSHARES, 

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

 973056 BANK OF HILLSBORO, HILLSBORO, MISSOURI 10/01/2012 12/26/2012 S Small Bank

 630041 FIRST ST BK OF DONGOLA, DONGOLA, ILLINOIS 09/17/2012 12/25/2012 O Small Bank

 657459 MIDWEST BANKCENTRE, LEMAY, MISSOURI 04/02/2012 12/18/2012 S Large 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 December 29, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/07/2013

Change in Control notice by James and Nita 

Wallenfelsz, both of North Oaks, Minnesota, to 

acquire 25 percent or more of the shares of N.A. 

Corporation, Roseville, Minnesota, and thereby 

indirectly gain control of North American 

Banking Company, Roseville, Minnesota.

N.A. CORPORATION

Newspaper:

Federal Register:

CIC Not available

01/07/2013

Retroactive Change in Control notice by David 

L. Neisen, Watkins, Minnesota, individually and 

as trustee of four Neisen family trusts, to retain 

25 percent or more of the shares of Neisen 

Bancshares, Inc., Watkins, Minnesota, and 

thereby indirectly retain control of Farmers State 

Bank of Watkins, Watkins, Minnesota.

NEISEN 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

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 29, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Bankers' Bank of Kansas, N.A., Wichita, 

Kansas, to retain its membership in the Federal 

Reserve System following its conversion from a 

national to a state charter.

BANKERS' BANK OF KANSAS, 

NATIONAL ASSOCIATION

Newspaper:

Federal Register:

* 3A1 01/17/2013

01/18/2013

BBIG Holdings, LLC, Lincoln, Nebraska, to 

become a bank holding company through the 

acquisition of 50 percent of the outstanding 

voting shares of Hilltop Bancshares, Inc., parent 

of Bank of Bennington, both in Bennington, 

Nebraska.

BBIG HOLDINGS, LLC

Newspaper:

Federal Register:

CIC Not available

12/31/2012

Notice submitted by Troy and Crystal 

Faulkender, Oakley, Kansas; Jay and Brandy 

Todd, Rexford, Kansas; Darvin and Tammi 

Strutt, Colby, Kansas; Sharon and Ronnie 

Schamberger, Hoxie, Kansas; Crystal Ann 

Trauer, trustee of the Laurence Duane Trauer 

Tax Shelter Trust and the Crystal Ann Trauer 

Revocable Trust, both in Hays, Kansas; Nichole 

and Bret Tremblay, Manhattan, Kansas; Leslea 

and Brett Oelke, Hoxie, Kansas; Brittany 

Schamberger, Hoxie, Kansas, Taylore 

Schamberger, Hoxie, Kansas; Jerry and Melissa 

Spresser, Hoxie, Kansas; Larry and Julie 

Spresser, Pittsburg, Kansas; and Brian and 

Sheri Baalman, Menlo, Kansas; as a group 

acting in concert, to acquire control of Big Mac 

Bancshares, Inc., Hoxie, Kansas, parent of 

Peoples State Bank, McDonald, Kansas.

BIG MAC BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

01/18/2013

Notice submitted by the Davis Family Trust; 

Steven C. Davis, P.C.; the Steven C. Davis 

Succession Trust; the Ricky J. Davis 

Succession Trust; and the Kenneth R. Davis 

Succession Trust, all of Oklahoma City, 

Oklahoma; and Scott R. Duncan, Oklahoma City, 

Oklahoma, as trustee of the Steven C. Davis 

Succession Trust, the Ricky J. Davis 

Succession Trust, and the Kenneth R. Davis 

Succession Trust, to become a part of the group 

acting in concert to acquire control of First 

Commercial Bancshares, Inc., Edmond, 

Oklahoma, parent of First Commercial Bank, 

Edmond, Oklahoma.

FIRST COMMERCIAL 

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Valley State Bank, Syracuse, Kansas, to 01/04/2013

establish a branch at 511 N. Campus, Garden 

City, Kansas.

VALLEY STATE BANK, THE

* 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

 3120897 HERITAGE BK, TOPEKA, KANSAS 08/27/2012 12/05/2012 S Small Bank

 723756 PEOPLES BK, COLDWATER, KANSAS 09/10/2012 12/13/2012 S Small Bank

 24453 ROCKY MNT BK, WILSON, WYOMING 09/17/2012 12/21/2012 S Small Bank

 738255 TOWN & COUNTRY BK, RAVENNA, NEBRASKA 09/17/2012 12/18/2012 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 December 29, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

HCSB, a State Banking Association, Plainview, 

Texas, to establish a branch to be located at 201 

W. 6th Street, Plainview, Texas 79072.

HCSB, A STATE BANKING 

ASSOCIATION

Newspaper:

Federal Register:

* 3A3 Not available

12/19/2012

Quanah Financial Corporation Employee Stock 

Ownership Plan, Quanah, Texas, to retain 32.73 

percent of Quanah Financial Corporation, 

Quanah, Texas, and indirectly First Capital 

Bank, Quanah, Texas.

QUANAH FINANCIAL 

CORPORATION EMPLOYEE 

STOCK OWNERSHIP PLAN

* 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 29, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Coastal Community Bank, Everett, Washington 01/06/2013

to establish a branch office at 928 Avenue D, 

Snohomish, Washington.

COASTAL COMMUNITY BANK

Newspaper:

Federal Register:

* 3A1 Not available

12/28/2012

First Northwest Bancorp, Port Angeles, 

Washington, to become a bank holding 

company upon the conversion of First Federal 

Savings and Loan Association of Port Angeles, 

Port Angeles, Washington, from a mutual to 

stock savings bank.

FIRST NORTHWEST BANCORP

Newspaper:

Federal Register:

CIC Not available

10/30/2012

Notice by Thomas Galt Atwood, Glen Ellen, 

California, and Cypress Abbey Company, 

Colma, California, to retain 10 percent or more of 

the outstanding shares of capital stock of FNB 

Bancorp, and thereby indirectly retain 10 perent 

or more of the voting shares of First National 

Bank of Northern California, both of South San 

Francisco, California.

FNB BANCORP

* 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