Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks;

Applications and Reports Received

No. 37

Week Ending September 14, 2013

Board of Governors of the Federal Reserve System, Washington, DC 20551
Bank Holding Companies

General Electric Company, Fairfield, Connecticut, and The PNC Financial Services

Group, Inc., Pittsburgh, Pennsylvania -- request for a temporary exemption under the

Depository Institution Management Interlocks Act and Regulation LL.

- Granted, August 12, 2013

(A/C)

Change in Bank Control

Urban Financial Group, Inc., Bridgeport, Connecticut -- change in bank control of

Urban Financial Group and its subsidiary, The Community's Bank, Bridgeport.

- Denied, September 13, 2013

Forms

Forms -- initial Board review to implement the Complex Institution Liquidity

Monitoring Report (FR 2052a) and Liquidity Monitoring Report (FR 2052b).

- Proposed, September 9, 2013

Forms -- final Board review to extend with revision the Capital Assessments and

Stress Testing information collection (FR Y-14A/Q/M).

- Approved, September 13, 2013

Forms -- final Board review to implement the Annual Company-Run Stress Test

Projections (FR Y-16).

- Approved, September 13, 2013

Personnel

Office of Inspector General -- appointment of Lawrence K. Valett as associate

inspector general.

- Announced, September 9, 2013

H.2 Board Actions September 8, 2013 to September 14, 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

September 8, 2013 to September 14, 2013

MA Monetary Affairs

Bank Holding Companies

Arvest Bank Group, Inc., Bentonville, Arkansas -- to acquire Metropolitan National

Bank, Little Rock, and for Arvest Bank, Fayetteville, to merge with Metropolitan

National Bank and to retain the acquired facilities as branches.

St. Louis

- Withdrawn, September 10, 2013

Bank Mergers

Chemung Canal Trust Company, Elmira, New York -- to purchase certain assets and

assume certain liabilities of six branches of Bank of America, National Association,

Charlotte, North Carolina, and to retain the acquired facilities as branches.

New York

- Approved, September 9, 2013

Banks, State Member

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

investment.

Director, BS&R

- Approved, September 13, 2013

Change in Bank Control

ESB Financial Corporation, Ellwood City, Pennsylvania -- change in bank control of

ESB Financial Corporation and its subsidiary, ESB Bank, Ellwood City.

Cleveland

- Permitted, September 13, 2013

(A/C) = Addition or Correction Delegated - 1 of 3
Change in Bank Control

Home Financial Bancorp, Spencer, Indiana -- change in bank control of Home

Financial Bancorp, Spencer, and its subsidiary, Our Community Bank.

Chicago

- Permitted, September 10, 2013

Regent Capital Corporation, Nowata, Oklahoma -- to retain control of Regent Capital

Corporation and its subsidiary, Regent Bank, Nowata.

Kansas City

- Permitted, September 13, 2013

Extensions of Time

BNP Paribas, Paris, France -- extension of time to divest certain merchant banking

investments.

Director, BS&R

- Granted, September 9, 2013

F.N.B. Corporation, Hermitage, Pennsylvania -- extension to January, 8, 2014, to

acquire PVF Capital Corporation, Solon, Ohio, and it subsidiary, Park View Federal

Savings Bank.

Cleveland

- Granted, September 10, 2013

Saddle River Valley Bancorp, Saddle River, New Jersey, and its parent SLHCs,

JCF III AIV SRV GP LLC, et al. -- temporary relief from certain regulatory reporting

requirements.

Director, BS&R

- Granted, September 11, 2013

H.2 Actions under delegated authority September 8, 2013 to September 14, 2013

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

Umpqua Holdings Corporation, Portland, Oregon -- extension of time for

UB Properties LLC, Portland, to divest certain real estate.

San Francisco

- Granted, September 11, 2013

Financial Holding Companies

Central Bancshares, Inc., Golden Valley, Minnesota -- election to become a financial

holding company.

Minneapolis

- Effective, September 13, 2013

Savings and Loan Holding Companies

Stifel Bank and Trust, Creve Coeur, Missouri -- waiver of application to become a

savings and loan holding company in connection with its acquisition through merger

of Acacia Federal Savings Bank, Falls Church, Virginia.

St. Louis

- Granted, September 9, 2013

H.2 Actions under delegated authority September 8, 2013 to September 14, 2013

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

Federal Reserve Bank of Boston

Filings received during the week ending September 14, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Coastway Bancorp, Inc., Cranston, Rhode 

Island to acquire 100% of the outstanding 

capital stock of Coastway Community Bank, 

Cranston, Rhode Island, pursuant to section 

3(a)(1) of the BHC Act, in connection with the 

conversion of Coastway Bancorp, MHC from 

mutual to stock form.

COASTWAY BANCORP MHC

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 Not available

Equitable Bancorp, MHC and Equitable 

Bancorp, Inc., both of Lynn, Massachusetts, to 

become a mutual bank holding company and a 

stock bank holding company, respectively, by 

acquiring Equitable Cooperative Bank, Lynn, 

Massachusetts, pursuant to sections 3(a)(1) 

and 3(a)(3) of the Bank Holding Company Act 

of 1956, as amended.

Equitable 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 September 14, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending September 14, 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 September 14, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Request by The Genoa Banking Company, 

Genoa, OH for permission to exceed its limit of 

investment in premises as permitted under 

Section 208.21 of Regulation H and Section 24A 

of the Federal Reserve Act.

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 September 14, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 10/07/2013

10/15/2013

Fairmount Bancorp, Inc., Rosedale, Maryland, 

to become a bank holding company upon the 

conversion of Fairmount Bank, Rosedale, 

Maryland, to a state chartered commercial bank.

FAIRMOUNT BANCORP, INC.

* 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 September 14, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

08/08/2013

Banco De Credito E Inversiones, Empresas Juan 

Yarur S.A.C., Inversiones Petro S.A., 

Inversiones Baquio LTDA., Inversiones Nueve 

LTDA., and Administraciones Baquio LTDA., 

all of Santiago, Chile, to become bank holding 

companies by acquiring 100 percent of CM 

Florida Holdings, Inc., Coral Gables, Florida, and 

its subsidiary, City National Bank of Florida, 

Miami, Florida.

BANCO DE CREDITO E 

INVERSIONES S.A.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

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

an international representative-administrative 

office located in Miami, Florida.

NCG BANCO, S.A.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending September 14, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Cedar Rapids Bank and Trust Company, Cedar 

Rapids, Iowa, to merge with Community 

National Bank, Waterloo, Iowa. As a result of 

the proposed merger,Cedar Rapids Bank and 

Trust Company will establish a branch at: 422 

Commercial Street, Waterloo, Iowa; 11 Tower 

Park Drive, Waterloo, Iowa; 2322 West 1st 

Street, Cedar Falls, Iowa; and 6004 University 

Avenue, Cedar Falls, Iowa.

CEDAR RAPIDS BANK AND 

TRUST COMPANY

Newspaper:

Federal Register:

CIC 08/22/2013

09/12/2013

Members of the Irish and Hodgson family which 

include: Ann Kennedy Irish, Harbor Springs, 

Michigan; 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; 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

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

100 percent of the outstanding voting stock of 

Community Holdings Corp., Palos Hills, Illinois.

COMMUNITY HOLDINGS 

CORPORATION

Newspaper:

Federal Register:

* MHC Not available

Conversion Not available

Edgewater Bank, St. Joseph, Michigan, to apply 

with the OCC to convert from mutual to stock 

form and also form Edgewater Bancorp, Inc., St. 

Joseph, Michigan, a savings and loan holding 

company.

EDGEWATER BANK

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

Federal Reserve Bank of Chicago

Filings received during the week ending September 14, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/03/2013

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

individual, and the group consisting of JP 

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

as Trustee of the Jerry C. Bradshaw Family 

Trust-GST Non-Exempt Trust, Naperville, 

Illinois, and the Jerry C. Bradshaw Family TrustGST Exempt Trust, Naperville, Illinois; Charles 

M. Shea, Wilmette, Illinois, as a committee 

member of the Jerry C. Bradshaw Family TrustGST Non-Exempt Trust and the Jerry C. 

Bradshaw Family Trust-GST Exempt Trust; 

Molly Baed, Wassenaar, Netherlands, as a 

committee member of the Jerry C. Bradshaw 

Family Trust - GST Non-Exempt Trust and the 

Jerry C. Bradshaw Family Trust - GST Exempt 

Trust; Betty J. Bradshaw, Wheaton, Illinois, as a 

committee member of the Jerry C. Bradshaw 

Family Trust - GST Non-Exempt Trust and the 

Jerry C. Bradshaw Family Trust- GST Exempt 

Trust, to retain control of the outstanding 

shares of Marseilles Bancorporation, Inc., 

Marseilles, Illinois. Marseilles Bancorporation, 

Inc., Marseilles, Illinois, controls Marseilles 

Bank, Marseilles, Illinois.

MARSEILLES 

BANCORPORATION, INC.

* 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 September 14, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Simmons First National Corporation, Pine Bluff, 

Arkansas, to acquire 100 percent of 

Metropolitan National Bank, Little Rock, 

Arkansas.

SIMMONS FIRST NATIONAL 

CORPORATION

* 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 September 14, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

10/16/2013

American Heritage Holding Company, Saint 

Cloud, Minnesota, to become a bank holding 

company by acquiring 100 percent of American 

Heritage National Bank, Long Prairie, 

Minnesota.

AMERICAN HERITAGE 

HOLDING COMPANY

Newspaper:

Federal Register:

* 3A3 Not available

10/16/2013

Forstrom Bancorporation, Inc., Clara City, 

Minnesota, to acquire 100% of First Bank of 

Lincoln, Lincoln, Montana.

FORSTROM 

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 September 14, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 09/30/2013

10/04/2013

Coffeyville Bancorp, Inc., Coffeyville, Kansas, 

to acquire 100 percent of the voting shares of 

and to merge with Coffeyville Financial 

Corporation, Omaha, Nebraska, parent of 

Condon Bank & Trust, Coffeyville, Kansas.

COFFEYVILLE BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

First Northern Bank of Wyoming, Buffalo, 09/27/2013

Wyoming, to establish a branch at 200 South 

Kendrick Avenue, Gillette, Wyoming.

FIRST NORTHERN BANK OF 

WYOMING

Newspaper:

Federal Register:

CIC Not available

09/13/2013

Clea Alsip, Brooklyn, New York; Patti Janese 

Hager, Edmond, Oklahoma; Zela Mae Hanson, 

Tulsa, Oklahoma; Patricia Ann McCortney, 

Farmers Branch, Texas; Vicki Lynn Patton, Ada, 

Oklahoma; Jerry Scott Grandchildren''s Trust, 

Ada, Oklahoma; Kamberly Dawn or Richard 

Clay Skoch, Yukon, Oklahoma; and Tammy Key, 

Sulphur, Oklahoma, as shareholders and 

members to the Vision Bancshares, Inc. Voting 

Agreement, to retain common voting shares of 

Vision Bancshares, Inc., and thereby indirectly 

retain voting shares of Vision Bank, National 

Association, both in Ada, Oklahoma.

VISION BANCSHARES, 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 September 14, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8 08/13/2013

Ford Financial Fund II, L.P., Ford Management 

II, L.P., Ford Ultimate Management II, LLC, 2009 

TCRT, GJF Financial Management II, LLC, Ford 

Fund Investment LP, and LR Acquisition 

Company LLC, all of Dallas, Texas, each to 

become a bank holding company by directly or 

indirectly acquiring control of Metropolitan 

National Bank, Little Rock, Arkansas. 

Additionally, 2009 TCRT; GJF Financial 

Management II, LLC; Ford Ultimate 

Management II, LLC; and Ford Management II, 

L.P., all of Dallas, Texas, propose to engage de 

novo in financial and investment advisory 

activities pursuant to Section 225.28(b)(6) of 

Regulation Y.

2009 TCRT

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

09/27/2013

Cullen/Frost Bankers, Inc., San Antonio, Texas, 

to acquire by merger 100 percent of WNB 

Bancshares, Inc., Odessa, Texas, and to 

indirectly acquire Western National Bank, 

Odessa, Texas. In addition, Frost Bank, San 

Antonio, Texas, to acquire by merger Western 

National Bank and to establish all 8 branches of 

Western National Bank as branches of Frost 

Bank.

CULLEN/FROST BANKERS, INC.

Newspaper:

Federal Register:

* 3A3 09/28/2013

09/30/2013

Independent Bank Group, Inc., McKinney, 

Texas, to acquire 100 percent of the common 

stock of Collin Bank, Plano, Texas.

INDEPENDENT BANK GROUP, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

10/16/2013

Northeast Texas Bancshares, Inc., Mount 

Pleasant, Texas, to become a bank holding 

company by acquiring 100 percent of the 

outstanding shares of The American National 

Bank of Mount Pleasant, Mount Pleasant, 

Texas.

NORTHEAST TEXAS 

BANCSHARES, INC.

Newspaper:

Federal Register:

* SLHC Not available

Formation 09/27/2013

The GMDK Trust fbo Christopher J. Keyland, 

The GMDK Trust fbo Kathryn J. Roberts, The 

JLD/GMDK Irrevocable Asset Trust fbo 

Christopher J. Keyland, The JLD/GMDK 

Irrevocable Asset Trust fbo Kathryn J. Roberts, 

The JLD-Christopher J. Keyland Descendant 

Trust #3, The JLD-Kathryn J. Roberts 

Descendant Trust #4, The JSD-Christopher J. 

Key land Descendant Trust #3, and The 

JSD-Kathryn J. Roberts Descendant Trust #4, 

all of Fort Worth, Texas, to become savings and 

loan holding companies through the acquisition 

of controlling interests in First Western 

Mortgage Corporation, Colonial Holding 

Company, and therefore indirectly, Colonial 

Savings, FA, all of Fort Worth, Texas.

THE GMDK TRUST FBO 

CHRISTOPHER J. KEYLAND

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

Federal Reserve Bank of Dallas

Filings received during the week ending September 14, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

10/15/2013

ZT Acquisitions, Inc., and ZT Financial 

Holdings, Inc., both of Houston, Texas, to 

become bank holding companies pursuant to 

Section 3(a)(1) through the acquisition of First 

National Bank of Colorado City, Colorado City, 

Texas.

ZT FINANCIAL HOLDINGS, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending September 14, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

TFB Bancorp, Inc., to become a bank holding 

company by acquiring 100 percent of The 

Foothills Bank, both of Yuma, Arizona.

TFB BANCORP, INC.

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act