Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 23 

Week Ending June 8, 2013

Board of Governors of the Federal Reserve System, Washington, DC 20551
Regulations and Policies

Regulation KK (Margin and Capital Requirements for Covered Swap Entities) -- 

interim final rule with request for comment on the treatment of uninsured U.S. 

branches and agencies of foreign banks under the "swaps pushout provision" of the 

Dodd-Frank Act.

- Approved, June 4, 2013

H.2 Board Actions June 2, 2013 to June 8, 2013

(A/C) = Addition or Correction Board - Page 1 of 1
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

June 2, 2013 to June 8, 2013

MA Monetary Affairs

Bank Branches, Domestic

Alterra Bank, Overland Park, Kansas -- to establish a branch at 11120 West 135th 

Street, Overland Park.

Kansas City

- Approved, June 6, 2013

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 2389 North College 

Avenue, Fayetteville.

St. Louis

- Approved, June 3, 2013

BankTennessee, Collierville, Tennessee -- to establish a branch at 13690 Highway 51 

South, Atoka.

St. Louis

- Approved, June 5, 2013

Centennial Bank, Conway, Arkansas -- to establish a branch at 34855 Highway 98 

East, Destin, Florida.

St. Louis

- Approved, June 4, 2013

EagleBank, Bethesda, Maryland -- to establish a branch at 7815 Woodmont Avenue, 

Bethesda.

Richmond

- Approved, June 6, 2013

(A/C) = Addition or Correction Delegated - 1 of 5
Bank Branches, Domestic

Essex Bank, Tappahannock, Virginia -- to establish a branch at 1835 West Street, 

Annapolis, Maryland.

Richmond

- Approved, June 5, 2013

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 18100 Meyers Road, 

Detroit, Michigan.

Cleveland

- Approved, June 7, 2013

First Western Bank and Trust, Minot, North Dakota -- to establish a branch at 

2105 16th Street, Northwest, Minot.

Minneapolis

- Approved, June 7, 2013

Frost Bank, San Antonio, Texas -- to establish a branch at 9300 Kirby Drive, 

Houston.

Dallas

- Approved, June 7, 2013

Greenfield Co-operative Bank, Greenfield, Massachusetts -- to establish a branch at 

176 Avenue A, Turners Falls.

Boston

- Approved, June 6, 2013

H.2 Actions under delegated authority June 2, 2013 to June 8, 2013

(A/C) = Addition or Correction Delegated - 2 of 5
Bank Branches, Domestic

Main Street Bank, Bingham Farms, Michigan -- to establish a branch at 363 Big 

Beaver Road, Troy.

Chicago

- Approved, June 5, 2013

Security Financial Bank, Durand, Wisconsin -- to establish a branch at 4217 

Southtowne Drive, Eau Claire.

Minneapolis

- Approved, June 5, 2013

Southwest Bank, Fort Worth, Texas -- to establish a branch at 5151 Beltline Road, 

Dallas.

Dallas

- Approved, June 6, 2013

Bank Holding Companies

Liberty Bank, Middletown, Connecticut -- waiver of application to acquire Southern 

Connecticut Bancorp, Inc., New Haven, in connection with the merger of The Bank 

of Southern Connecticut with and into Liberty Bank.

Boston

- Granted, June 3, 2013

Oakworth Capital, Inc., Birmingham, Alabama -- to become a bank holding company 

by acquiring Oakworth Capital Bank, Birmingham.

Atlanta

- Approved, June 4, 2013

H.2 Actions under delegated authority June 2, 2013 to June 8, 2013

(A/C) = Addition or Correction Delegated - 3 of 5
Bank Holding Companies

TFB Bancorp, Inc., Yuma, Arizona -- to become a bank holding company by 

acquiring The Foothills Bank, Yuma.

San Francisco

- Withdrawn, June 3, 2013

Washington Federal, Inc., Seattle, Washington -- to become a bank holding company 

through the conversion of its subsidiary, Washington Federal, Seattle, from a federal 

savings bank to a national bank.

San Francisco

- Approved, June 5, 2013

Bank Mergers

Bank of Stanly, Albemarle, North Carolina -- to merge with Anson Bank & Trust 

Co., Wadesboro, and Cabarrus Bank & Trust Company, Concord.

Richmond

- Approved, June 5, 2013

Change in Bank Control

First State Bank Southwest 2010 Amended and Restated KSOP Plan and Trust, 

Worthington, Minnesota -- change in bank control of First State Bank Southwest 

KSOP Plan and Trust and its subsidiary, First State Bank Southwest, Pipestone.

Minneapolis

- Permitted, June 6, 2013

H.2 Actions under delegated authority June 2, 2013 to June 8, 2013

(A/C) = Addition or Correction Delegated - 4 of 5
Extensions of Time

USAmeriBank, Clearwater, Florida -- extension to August 29, 2013, to establish a 

branch at 1943 East Glenn Avenue, Auburn, Alabama.

Atlanta

- Granted, June 6, 2013

Financial Holding Companies 

Glenville Bank Holding Company, Inc., Scotia, New York -- election to become a 

financial holding company.

New York

- Effective, June 7, 2013

Membership

First National Bank in Whitney, Whitney, Texas -- to retain membership in the 

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

Dallas

- Approved, June 4, 2013

Savings and Loan Holding Companies

Lehman Brothers Holdings Inc., New York, New York, and Lehman Brothers 

Bancorp, Inc. -- to deregister as savings and loan holding companies.

Philadelphia

- Approved, June 6, 2013

TF Financial Corporation, Newtown, Pennsylvania -- waiver of application to acquire 

Roebling Financial Corp., Inc., Roebling, New Jersey, in connection with the merger 

of Roebling Bank with and into TF Financial's subsidiary, 3rd Fed Bank, Newtown.

Philadelphia

- Granted, June 4, 2013

H.2 Actions under delegated authority June 2, 2013 to June 8, 2013

(A/C) = Addition or Correction Delegated - 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending June 8, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 07/01/2013

Application by Hometown Community Bancorp, 

MHC, Oxford, Massachusetts, a mutual bank 

holding company, to form a wholly-owned, 

mid-tier, stock bank holding company, 

Hometown Community Bancorp, Inc., Oxford, 

Massachusetts, through its acquisition of 100% 

of the shares of Hometown Bank, A 

Cooperative Bank, Webster, Massachusetts, 

pursuant to sections 3(a)(1) and 3(a)(3) of the 

Bank Holding Company Act of 1956, as 

amended.

HOMETOWN COMMUNITY 

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

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 June 8, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

07/08/2013

Investors Bancorp, MHC and Investors 

Bancorp, Inc., both of Short Hills, New Jersey, 

providing notice pursuant to Section 4(c)(8) of 

the BHC Act and Section 225.24 of Regulation 

Y, to acquire Gateway Community Financial 

Corporation, MHC and Gateway Community 

Financial Corporation, and their wholly-owned 

subsidiary, GCF Bank, all of Sewell, New Jersey.

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 June 8, 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 June 8, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 06/26/2013

06/26/2013

Interagency Notice of Change in Bank Control 

by The Credit Shelter Trust u/t/a Odell Merrick 

Revocable Trust Living Trust dated 1/21/1997 

("Trust"), and Nancy Routt Merrick in her 

capacity as Trustee of the Trust, to retain 

control of 10 percent or more of the outstanding 

voting shares of Citizens Bancshares,Inc., 

Somerset, Kentucky and thereby indirectly 

control the Citizens National Bank of Somerset, 

Somerset, Kentucky, in connection with the 

partial distribution of Citizens Bancshares stock 

by the Estate of Odell Merrick to the Trust on 

December 19, 2012

CITIZENS BANCSHARES, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Section 4(c)(8) notification filed by Farmers 

National Banc Corp., Canfield, OH to acquire 

100% of the voting shares of National 

Associates, Inc., Cleveland, OH and thereby 

engage in employee benefits consulting 

services pursuant to Section 225.28(b)(9)(ii) of 

Regulation Y.

FARMERS NATIONAL BANC 

CORP.

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 06/21/2013

temporary branch at Kennesaw State 

University, 1000 Chastain Rd., Kennesaw, GA.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Premises Not applicable

Genoa Banking Company, Genoa, OH to 06/20/2013

establish a branch at 5501 Monroe Street, 

Sylvania, OH and request to exceed its limit of 

investment in premises.

GENOA BANKING COMPANY, 

THE

* 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 June 8, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Virginia Community Capital, Inc., 

Christiansburg, Virginia, to engage in certain de 

novo community development-related 

consulting, advisory, and lending related 

activities, through its wholly-owned subsidiary 

bank, Community Capital Bank of Virginia, 

Christiansburg, Virginia.

VIRGINIA COMMUNITY 

CAPITAL, INC.

Newspaper:

Federal Register:

* 3A1

Not available

Virginia National Bankshares Corporation, 05/17/2013

Charlottesville, Virginia, to become a bank 

holding company by acquiring 100% of the 

voting shares of Virginia National Bank, 

Charlottesville, Virginia.

VIRGINIA NATIONAL 

BANKSHARES CORPORATION

* 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 June 8, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Ameris Bancorp, Moultrie, Georgia, to merge 

with The Prosperity Banking Company, St. 

Augustine, Florida, and thereby acquire its 

subsidiary, Prosperity Bank, St. Augustine, 

Florida.

AMERIS BANCORP

Newspaper:

Federal Register:

* 3A1 Not available

Not available

FBDC Financial Corp., to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of First Fidelity Bank, 

both of Fort Payne, Alabama.

FBDC FINANCIAL CORP.

Newspaper:

Federal Register:

CIC Not available

Not available

After-the-fact change in control notice filed by 

Charles Pickens Stephens, Sandra Davis 

Stephens, Charles Austin Stephens, Stephanie 

Thomas Stephens, all of Atlanta, Georgia, and 

Scott Robert Stephens, Lake Panasofkee, 

Florida, to retain 14.38 percent of the 

outstanding shares of Piedmont Bancorp, Inc., 

and its subsidiary, Piedmont Bank, both of 

Norcross, Georgia.

PIEDMONT BANCORP, INC.

* 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 June 8, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by the Downing Family (D. Robert and 

Ardene K. Downing, Kamie Lynn-Downing and 

Gary L. Haynes, and Karey Downing and Todd 

R. Bishop, and Downing Family Investments, 

Inc., all of Indianola, Iowa) together as a group 

acting in concert, to retain control of Central 

South Bancorporation, Inc., Indianola, Iowa, 

and thereby indirectly Peoples Savings Bank, 

Indianola, Iowa.

CENTRAL SOUTH 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A1 06/21/2013

06/14/2013

Chief Iowa Investment Corporation, Clive, Iowa, 

to become a bank holding company by 

acquiring 100 percent of Montezuma State Bank, 

Montezuma, Iowa.

CHIEF IOWA INVESTMENT 

CORPORATION

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

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

to purchase the assets and assume the liabilities 

of two Mason City, Iowa, branch offices of 

Community National Bank, Waterloo, Iowa. 

Clear Lake Bank & Trust Co. will establish a 

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

The office located at 3124 Fourth Street SW, will 

immediately be consolidated with Clear Lake 

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

Tiffany Drive, both of Mason City, Iowa.

CLEAR LAKE BANK AND 

TRUST COMPANY

Newspaper:

Federal Register:

CIC Not available

06/21/2013

Notice by the Danielle Marie Marquart 2013 

Trust to acquire shares of Johnson Financial 

Group, Inc., Racine, Wisconsin, pursuant to the 

Change in Bank Control Act of 1978. As a result 

of the proposed transaction, JFG shares and 

other assets previously held by the Danielle 

Marie Marquart Trust u/a with Winifred J. 

Marquart & Michael D. Marquart dated 4/21/95 

will be held by the Trust. Johnson Bank will 

serve as trustee of the Trust.

JOHNSON FINANCIAL GROUP, 

INC.

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 June 8, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 June 8, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 06/12/2013

06/12/2013

Change in Control notice by Devon Joan Goetz, 

Mandan, North Dakota, to acquire 25 percent or 

more of the shares of Oliver Bancorporation, 

Inc., Center, North Dakota, and thereby 

indirectly gain control of Security First Bank of 

North Dakota, New Salem, North Dakota.

OLIVER BANCORPORATION, 

INC.

Newspaper:

Federal Register:

CIC 06/12/2013

06/18/2013

Change in Control notice by Sarah Marie 

Getzlaff, Bismarck, North Dakota, to retain 

voting shares of Oliver Bancorporation, Inc., 

Center, North Dakota, which owns Security First 

Bank of North Dakota, New Salem, North 

Dakota, and thereby join the Goetz family group 

which controls 25% or more of Oliver 

Bancorporation, Inc.

OLIVER BANCORPORATION, 

INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending June 8, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Grand Bancorp, Inc., Grove, Oklahoma, to 

become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Grand Savings Bank, Grove, Oklahoma.

GRAND BANCORP, INC.

* 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 June 8, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

06/21/2013

Commercial Bancshares, Inc. of El Campo, 

Texas, to acquire by merger 100 percent of City 

State Bancshares, Inc., and indirectly acquire 

City State Bank, both of Palacios, Texas.

COMMERCIAL BANCSHARES, 

INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Community Trust Bank, Choudrant, Louisiana, 

to establish a branch to be located at Two 

Turtle Creek Village, 3838 Oak Lawn Avenue, 

Dallas, Texas 75219.

COMMUNITY TRUST BANK

Newspaper:

Federal Register:

* 3A3 Not available

07/01/2013

Triumph Bancorp, Inc., and Triumph 

Consolidated Cos., LLC, of Dallas, Texas, to 

acquire 100 percent of National Bancshares, 

Inc., Bettendorf, Iowa, and indirectly THE 

National Bank, Moline, Illinois.

TRIUMPH BANCORP, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Vista Bank, Ralls, Texas, to establish a branch to 

be located at 4350 19th Street, Lubbock, Texas.

VISTA BANK

* 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 June 8, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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