Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks;

Applications and Reports Received

No. 8

Week Ending February 22, 2014

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

Forms -- final Board review (1) to extend with revision the Financial Statements of

U.S. Nonbank Subsidiaries of U.S. Holding Companies (FR Y-11), Abbreviated

Financial Statements of U.S. Nonbank Subsidiaries of U.S. Holding Companies

(FR Y-11S), Financial Statements of Foreign Subsidiaries of U.S. Banking

Organizations (FR 2314), Abbreviated Financial Statements of Foreign Subsidiaries

of U.S. Banking Organizations (FR 2314S), Financial Statements of U.S. Nonbank

Subsidiaries Held by Foreign Banking Organizations (FR Y-7N), and Abbreviated

Financial Statements of U.S. Nonbank Subsidiaries Held by Foreign Banking

Organizations (FR Y-7NS) and (2) to extend without revision the Consolidated

Report of Condition and Income for Edge and Agreement Corporations (FR 2886b)

and Capital and Asset Report for Foreign Banking Organizations (FR Y-7Q).

- Approved, February 18, 2014

Monetary and Financial Policy

Term Deposit Facility -- fixed-rate offerings of seven-day term deposits on March 3,

10, and 17, and floating-rate offering of seven-day term deposits on March 24, 2014.

- Announced, February 21, 2014

Regulations and Policies

Regulation YY (Enhanced Prudential Standards) -- final rule to implement enhanced

prudential standards for large U.S. bank holding companies and foreign banking

organizations to increase the resiliency of their operations, in accordance with the

Dodd-Frank Act.

- Approved, February 18, 2014

Risk-Based Capital Requirements -- (1) authorization for certain banking

organizations to exit the "parallel run" and begin using the advanced approaches

framework to determine their risk-based capital requirements and (2) publication of a

final rule (Regulations Y and YY) to clarify the Board's stress testing and capital

planning requirements.

- Approved, February 20, 2014

H.2 Board Actions February 16, 2014 to February 22, 2014

(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

February 16, 2014 to February 22, 2014

MA Monetary Affairs

Bank Branches, Domestic

FirstBank, Lakewood, Colorado -- to establish a branch at 1720 South Power Road,

Mesa, Arizona.

Kansas City

- Approved, February 20, 2014

Bank Holding Companies

Cabool State Bank Employee Stock Ownership Plan, Cabool, Missouri -- to acquire

additional shares of Cabool Bancshares, Inc., Cabool, and thereby increase its

indirect control of Cabool State Bank.

St. Louis

- Approved, February 21, 2014

Central Bancshares, Inc., Golden Valley, Minnesota -- to acquire First Financial

Holdings, Golden Valley, and thereby acquire First National Bank and Trust, Barron,

Wisconsin.

Minneapolis

- Approved, February 20, 2014

Huntington Bancshares Incorporated, Columbus, Ohio -- waiver of application to

acquire Camco Financial Corporation, Cambridge, in connection with the merger of

their respective subsidiaries, The Huntington National Bank, Columbus, and

Advantage Bank, Cambridge.

Cleveland

- Granted, February 21, 2014

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

IMB HoldCo LLC, Pasadena, California; OneWest Bank Group LLC; IMB

Management Holdings GP LLC; IMB Management Holdings LP; and The SHM

2009D Trust, Palm Beach, Florida -- to become bank holding companies on

conversion of OneWest Bank, FSB, Pasadena, from a federal savings association to a

national bank.

San Francisco

- Approved, February 19, 2014

Tulsa Valley Bancshares Corporation, Tulsa, Oklahoma -- to acquire Lake

Bancshares Corporation, Owasso, and Bank of the Lakes, N.A.

Kansas City

- Approved, February 20, 2014

Change in Bank Control

Dutton Bancorporation, Inc., Dutton, Montana -- to retain control of Dutton

Bancorporation, Inc. and its subsidiary, Dutton State Bank, Dutton.

Minneapolis

- Permitted, February 19, 2014

First American Bancorp, Athens, Georgia -- change in bank control of First

American Bancorp and its subsidiary, First American Bank and Trust Company,

Athens.

Atlanta

- Permitted, February 21, 2014

Headwaters Bancorp, Inc., Land O'Lakes, Wisconsin -- change in bank control of

Headwaters Bancorp, Inc. and its subsidiary, Headwaters Bank, Land O' Lakes.

Minneapolis

- Permitted, February 21, 2014

H.2 Actions under delegated authority February 16, 2014 to February 22, 2014

(A/C) = Addition or Correction Delegated - 2 of 3
Change in Bank Control

Regional Bankshares, Inc., Hartsville, South Carolina -- change in bank control of

Regional Bankshares, Inc. and its subsidiary, Heritage Community Bank, Hartsville.

Richmond

- Permitted, February 20, 2014

Financial Holding Companies

First Missouri Bancshares, Inc., Brookfield, Missouri -- election to become a

financial holding company.

Kansas City

- Effective, February 18, 2014

Membership

The Bank and Trust, SSB, Del Rio, Texas -- to become a member of the Federal

Reserve System.

Dallas

- Approved, February 20, 2014

H.2 Actions under delegated authority February 16, 2014 to February 22, 2014

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

Federal Reserve Bank of Boston

Filings received during the week ending February 22, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Foreign Branch Not applicable

Not applicable

Computershare Trust Company, N.A. (CTCNA), 

Canton, Massachusetts, seeks prior notice to 

establish a branch in Manila, Philippines, 

pursuant to Regulation K.

COMPUTERSHARE TRUST 

COMPANY, NATIONAL 

ASSOCIATION

Newspaper:

Federal Register:

* 18C Not available

Not applicable

North Brookfield Savings Bank, North 

Brookfield, Massachusetts (NBSB) to merge 

with FamilyFirst Bank, Ware, Massachusetts, 

with NBSB as the surviving entity.

NORTH BROOKFIELD SAVINGS 

BANK

* 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 Second Quarter of 2014 (April 1, 2014 - June 30, 2014)

Institution Location

BROOKLINE BK BROOKLINE, MASSACHUSETTS

MARBLEHEAD BK MARBLEHEAD, MASSACHUSETTS

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

Federal Reserve Bank of New York

Filings received during the week ending February 22, 2014

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 Second Quarter of 2014 (April 1, 2014 - June 30, 2014)

Institution Location

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending February 22, 2014

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 Second Quarter of 2014 (April 1, 2014 - June 30, 2014)

Institution Location

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

Federal Reserve Bank of Cleveland

Filings received during the week ending February 22, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Fifth Third Bank, Cincinnati, Oh 02/28/2014

to establish a branch at 8001 Golf Road, Niles, 

IL.

FIFTH THIRD BANK

* 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 Second Quarter of 2014 (April 1, 2014 - June 30, 2014)

Institution Location

HAMLER ST BK HAMLER, OHIO

OHIO VALLEY BK CO GALLIPOLIS, OHIO

OTTOVILLE BK CO OTTOVILLE, OHIO

* Subject to the provisions of the Community Reinvestment Act
District: 5

Federal Reserve Bank of Richmond

Filings received during the week ending February 22, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Community Bank of the Chesapeake, Waldorf, 02/28/2014

Maryland, to establish a branch at 1340 Central 

Park Boulevard, Suite 106, Fredericksburg, 

Virginia.

COMMUNITY BANK OF THE 

CHESAPEAKE

* 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 Second Quarter of 2014 (April 1, 2014 - June 30, 2014)

Institution Location

BANK OF HAMPTON ROADS VIRGINIA BEACH, VIRGINIA

BLUE RIDGE BK LURAY, VIRGINIA

FIRST CMNTY BK BLUEFIELD, VIRGINIA

LOGAN B&TC LOGAN, WEST VIRGINIA

VIRGINIA B&TC DANVILLE, VIRGINIA

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

Federal Reserve Bank of Atlanta

Filings received during the week ending February 22, 2014

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:

* 18C

* Branch Not applicable

IBERIABANK, Lafayette, Louisiana, to merge 03/19/2014

with Teche Federal Bank, New Iberia, Louisiana.

IBERIABANK

Newspaper:

Federal Register:

* SLHC 

Formation

03/03/2014

03/11/2014

John W. Langdale, Jr. Trust, Margaret E. 

Langdale Trust, and Lee L. Mikuta Trust, all of 

Valdosta, Georgia, to become savings and loans 

holding companies by acquiring Lowndes 

Bancshares, Inc., and its subsidiary, Commercial 

Banking Company, both of Valdosta, Georgia.

JOHN W. LANGDALE, JR. TRUST

Newspaper:

Federal Register:

4c8 Not applicable

03/12/2014

Perry Banking Company, Inc., Perry, Florida, to 

engage in making, acquiring, brokering, or 

servicing loans, or other extensions of credit.

PERRY BANKING COMPANY, 

INC.

Newspaper:

Federal Register:

CIC 02/27/2014

03/03/2014

Prior change in control notice filed by Stephen 

Richard Winn, Judith Anderson Winn, Leslie 

W. Sokol, Michelle Stacey Winn, Jason David 

Winn, 3T.D.A., LLC, all of Tallahassee, Florida; 

and Susan Beth Winn, South West Ranches, 

Florida; Edward William Dougherty, Jr., Audrey 

Kay Dougherty, Igler & Dougherty P.A. 401K 

Profit Sharing Plan and Trust (Edward 

Dougherty and George Igler co-trustees), all of 

Tallahassee, Florida; to collectively control 

24.42 percent of the outstanding shares of Pro 

Financial Holdings, Inc., and its subsidiary, 

ProBank, both of Tallahassee, Florida.

PRO FINANCIAL HOLDINGS, 

INC.

Newspaper:

Federal Register:

PWI Not applicable

Not applicable

SunTrust Bank, Atlanta, Georgia, request for 

approval to make public welfare investments to 

the extent that SunTrust Bank's aggregate 

exposure to public welfare investments does not 

exceed 10.0 percent of its capital and surplus.

SUNTRUST 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 Second Quarter of 2014 (April 1, 2014 - June 30, 2014)

Institution Location

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

Federal Reserve Bank of Chicago

Filings received during the week ending February 22, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/13/2014

Rick A. Tromble and Michele L. Tromble, 

individually and as trustees of the Rick A. 

Tromble Revocable Living Trust and the 

Michele L. Tromble Revocable Living Trust, 

both of Cheboygan, Michigan, to retain ten 

percent or more of the outstanding voting stock 

and thereby control of CNB Corporation, 

Cheboygan, Michigan. CNB Corporation 

controls Citizens National Bank of Cheboygan, 

a national banking association, also of 

Cheboygan, Michigan.

CNB CORPORATION

* 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 Second Quarter of 2014 (April 1, 2014 - June 30, 2014)

Institution Location

BANK 1ST WEST UNION, IOWA

EASTERN MI BK CROSWELL, MICHIGAN

FIRST ST BK OF PORTER PORTER, INDIANA

FRIENDSHIP ST BK FRIENDSHIP, INDIANA

LA SALLE ST BK LA SALLE, ILLINOIS

NORTH SHORE CMNTY B&TC WILMETTE, ILLINOIS

SECURITY T&SB STORM LAKE, IOWA

TITONKA SVG BK TITONKA, IOWA

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

Federal Reserve Bank of St. Louis

Filings received during the week ending February 22, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

BancorpSouth, Inc., Tupelo, Mississippi, to 

acquire, through merger, Ouachita Bancshares 

Corporation and thereby indirectly acquire 

Ouachita Independent Bank, both of Monroe, 

Louisiana.

BANCORPSOUTH, INC.

Newspaper:

Federal Register:

* 3A3 Not available

03/21/2014

Bank of the Ozarks, Inc., Little Rock, Arkansas, 

to merge with Summit Bancorp, Inc., 

Arkadelphia, Arkansas, and thereby indirectly 

acquire Summit Bank, Arkadelphia, Arkansas 

and will merge into Bank of the Ozarks, Little 

Rock, Arkansas.

BANK OF THE OZARKS INC

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Bear State Financial Holdings, LLC, Little Rock, 

Arkansas and First Federal Bancshares of 

Arkansas, Inc., Harrison, Arkansas to become 

bank holding companies through the 

acquisition of 100 percent of First National 

Security Company, Hot Springs, Arkansas and 

thereby indirectly acquire Heritage Bank, N.A., 

Jonesboro, Arkansas and First National Bank, 

Hot Springs, Arkansas.

BEAR STATE FINANCIAL 

HOLDINGS, LLC

Newspaper:

Federal Register:

* Branch

Not applicable

Farmers Bank and Trust Company, Magnolia, 02/28/2014

Arkansas, to establish a branch facility to be 

located at 1102 Arkansas Blvd., Texarkana, 

Arkansas.

FARMERS BANK & TRUST 

COMPANY

Newspaper:

Federal Register:

* SLHC Other Not available

Not available

Roger O. Riney Family Voting Trust U/A/D 

12/31/12, Town and Country, Missouri, to 

become a saving and loan holding company by 

acquiring control of Scottrade Financial 

Services, Inc., Town and Country, Missouri, 

and thereby indirectly acquire Scottrade Bank, 

Town and Country, Missouri, and Boulevard 

Bank, Neosho, Missouri.

RODGER O. RINEY FAMILY 

VOTING TRUST U/A/D 

12/31/2012

* 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 Second Quarter of 2014 (April 1, 2014 - June 30, 2014)

Institution Location

BANK OF LA LOUISIANA, MISSOURI

CENTRAL TR BK JEFFERSON CITY, MISSOURI

CROSS COUNTY BK WYNNE, ARKANSAS

FIRST FINANCIAL BK EL DORADO, ARKANSAS

FIRST ST BK OF DEQUEEN DEQUEEN, ARKANSAS

TRIUMPH BK MEMPHIS, TENNESSEE

UNION BK OF MENA MENA, ARKANSAS

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending February 22, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/11/2014

Retroactive Change in Control notice by 

Michael R. Heebink, Baldwin WI, individually 

and as co-trustee of the Shirley E Heebink 

Family Trust, and as part of the group acting in 

concert with the Shirley E Heebink Trust; its 

co-trustees Shirley E Heebink, Baldwin, WI, and 

Michael R. Heebink; and Mary Heebink, 

Baldwin, WI, to retain 10 percent or more of the 

shares and thereby control of Baldwin 

Bancshares, Inc., Baldwin, Wisconsin, and 

thereby the First Bank of Baldwin, Baldwin, 

Wisconsin. And, a retroactive notice by the 

Rasmussen Group, which includes Dane L. 

Rasmussen, Baldwin, WI, the Debra L 

Rasmussen Irrevocable Trust Dated December 

18, 2012, Baldwin, WI (Dane L Rasmussen, 

trustee); Jack Rasmussen, Baldwin, WI; Emily 

Shimota, Inver Grove Heights, MN; Sidney 

Rasmussen, St. Paul, MN; Lynne VanDeelen, 

Duluth, MN; and Nancy Fox, Maplewood, MN; 

as a group acting in concert, to retain 10 percent 

or more of the shares and thereby control of 

Baldwin Bancshares, Inc., Baldwin, Wisconsin.

BALDWIN BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

02/27/2014

Retroactive change in control notice by the 

Gordon H. Hoffner 2011 Irrevocable Family 

Trust, Hazen, North Dakota (the "Trust") and 

Wayne G. Hoffner, Hazen, North Dakota, 

individually, and as trustee of the Trust, to 

retain control of 25% or more of the shares of 

Union Holding Company, Halliday, North 

Dakota ("Union"), and thereby indirectly 

control The Union Bank, Beulah, North Dakota 

("Bank"). In addition, Lynette Janelle Bjornson, 

Mandan, North Dakota, is filing retroactively to 

retain shares of Union and thereby join the 

Hoffner family shareholder group that controls 

25% or more of Union.

UNION HOLDING COMPANY

* 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 Second Quarter of 2014 (April 1, 2014 - June 30, 2014)

Institution Location

COMMUNITY BK RONAN, MONTANA

FIRST CMNTY BK GLASGOW, MONTANA

FIRST PREMIER BK SIOUX FALLS, SOUTH DAKOTA

TETON BKS FAIRFIELD, MONTANA

WESTERN BK OF WOLF POINT WOLF POINT, MONTANA

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

Federal Reserve Bank of Kansas City

Filings received during the week ending February 22, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

First American Bank, Purcell, Oklahoma, to 

establish a branch at 117 W. Broadway, 

Lexington, Oklahoma.

FIRST AMERICAN BANK

Newspaper:

Federal Register:

* 3A1 Not available

4c8 03/24/2014

Otten Holdings, LLC, to become a bank holding 

company through the acquisition of 33.74 

percent of the voting shares of FEO 

Investments, Inc., parent of Elkhorn Valley Bank 

and Trust, all of Norfolk, Nebraska, and thereby, 

to engage in general insurance and community 

development activities.

OTTEN HOLDINGS, LLC

* 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 Second Quarter of 2014 (April 1, 2014 - June 30, 2014)

Institution Location

BANK 7 OKLAHOMA CITY, OKLAHOMA

BANK OF ELGIN ELGIN, NEBRASKA

CITIZENS ST B&TC ELLSWORTH, KANSAS

FIRST B&TC CLINTON, OKLAHOMA

FIRST ST BK OF NEWCASTLE NEWCASTLE, WYOMING

HIGH CNTRY BK SALIDA, COLORADO

LAKESIDE BK OF SALINA SALINA, OKLAHOMA

LUSK ST BK LUSK, WYOMING

RCB BK CLAREMORE, OKLAHOMA

VERUS BK OF CMRC FORT COLLINS, COLORADO

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

Federal Reserve Bank of Dallas

Filings received during the week ending February 22, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 03/07/2014

03/20/2014

A.N.B. Holding Company, Ltd., Terrell, Texas, to 

acquire additional shares up to 38% of The 

ANB Corporation, Terrell, Texas, and indirectly 

acquire The American National Bank of Texas, 

Terrell, Texas; Lakeside Bancshares, Inc., 

Rockwall, Texas; and Lakeside National Bank, 

Rockwall, Texas.

A.N.B. HOLDING COMPANY, 

LTD.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Application by The Bank and Trust, SSB, Del 

Rio, Texas, to become a member of the Federal 

Reserve System.

BANK AND TRUST, SSB, THE

Newspaper:

Federal Register:

* 3A3 Not available

03/15/2014

Industry Bancshares, Inc., Industry, Texas, to 

acquire 100 percent of the outstanding shares of 

Bank of Brenham, National Association, 

Brenham, Texas.

INDUSTRY BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

03/07/2014

McGregor Bancshares, Inc., McGregor, Texas, 

to become a bank holding company by 

acquiring 100 percent of The First National Bank 

of McGregor, McGregor, Texas.

MCGREGOR BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

03/10/2014

Retroactive notice of Change of Control by 

Mary Ruth Ellis individually and as Executrix of 

the Estate of Norman Ellis, North Richland Hills, 

Texas; David W. Ellis, and Duncan J. Ellis, both 

of Richland Hills, Texas; and Deana Hoffman, 

North Richland Hills, Texas; to acquire and 

control greater than 10 percent of Wills Point 

Financial Corporation, Wills Point, Texas, and 

indirectly Citizens National Bank, Wills Point, 

Texas.

WILLS POINT FINANCIAL 

CORPORATION

* 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 Second Quarter of 2014 (April 1, 2014 - June 30, 2014)

Institution Location

BANK OF CMRC MCLEAN, TEXAS

TEXAS CMNTY BK LAREDO, TEXAS

* Subject to the provisions of the Community Reinvestment Act
District: 12

Federal Reserve Bank of San Francisco

Filings received during the week ending February 22, 2014

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Bay Commercial Bank, Walnut Creek, California, 

to merge with Community Bank of San Joaquin, 

Stockton, California, and thereby acquire two 

branch offices.

BAY COMMERCIAL BANK

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 Second Quarter of 2014 (April 1, 2014 - June 30, 2014)

Institution Location

* Subject to the provisions of the Community Reinvestment Act