Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks;

Applications and Reports Received

No. 51

Week Ending December 21, 2013

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

Investors Bancorp, MHC, Short Hills, New Jersey, and Investors Bancorp, Inc. -- to

acquire Gateway Community Financial, MHC, Sewell, and Gateway Community

Financial Corporation, and thereby indirectly acquire GCF Bank, Sewell.

- Approved, December 20, 2013

Regulations and Policies

Diversity and Inclusion -- extension to February 7, 2014, of the comment period on a

proposed interagency policy statement regarding standards for assessing the diversity

policies and practices of entities regulated by the agencies, in accordance with the

Dodd-Frank Act.

- Announced, December 19, 2013

Income Tax Allocation Agreements -- publication for comment of proposed

addendum to the interagency policy statement on income tax allocation in a holding

company structure.

- Approved, December 7, 2013

(A/C)

Regulation A (Extensions of Credit by Federal Reserve Banks) -- publication for

comment of proposed amendments to reflect changes made by the Dodd-Frank Act to

the Federal Reserve's emergency lending authority in the Federal Reserve Act.

- Approved, December 20, 2013

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

final rule on the treatment of uninsured U.S. branches and agencies of foreign banks

under the swaps push-out provision of the Dodd-Frank Act.

- Approved, December 20, 2013

H.2 Board Actions December 15, 2013 to December 21, 2013

(A/C) = Addition or Correction Board - Page 1 of 2
Regulations and Policies

Volcker Rule -- issuance of interagency FAQs (frequently asked questions) to

provide guidance to banking entities regarding investments in "covered funds" and

whether collateralized debt obligations backed by trust preferred securities could be

determined to be covered funds under the final rules.

- Announced, December 19, 2013

Savings and Loan Holding Companies

Alamogordo Financial Corporation, Alamogordo, New Mexico -- to conduct, under

Regulation MM, a minority stock issuance to the Bank'34 Employee Stock

Ownership Plan (ESOP), and waiver of the restriction against lending funds to the

ESOP to purchase the shares.

- Approved, December 20, 2013

H.2 Board Actions December 15, 2013 to December 21, 2013

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

December 15, 2013 to December 21, 2013

MA Monetary Affairs

Bank Branches, Domestic

Fifth Third Bank, Cincinnati, Ohio -- to establish a temporary branch to operate

February 10-16, 2014, at 11330 Twin Eagles Boulevard, Naples, Florida.

Cleveland

- Approved, December 19, 2013

FirstBank, Lakewood, Colorado -- to establish a branch at 1777 16th Street, Denver.

Kansas City

- Approved, December 20, 2013

Franklin Synergy Bank, Franklin, Tennessee -- to establish a branch at 2035 Wall

Street, Spring Hill.

Atlanta

- Approved, December 19, 2013

Bank Holding Companies

1st Constitution Bancorp, Cranbury, New Jersey -- waiver of application to acquire

Rumson-Fair Haven Bank and Trust Company, Fair Haven, in connection with its

merger with and into Bancorp's subsidiary, 1st Constitution Bank, Cranbury.

New York

- Granted, December 20, 2013

(A/C) = Addition or Correction Delegated - 1 of 7
Bank Holding Companies

Bridge Bancorp, Inc., Bridgehampton, New York -- waiver of application to acquire

FNBNY Bancorp, Inc., New York, in connection with the merger of their respective

subsidiaries, Bridgehampton National Bank, Bridgehampton, and First National Bank

of New York, Melville.

New York

- Granted, December 16, 2013

CapGen Capital Group III LLC, New York, New York, and CapGen Capital Group

III LP -- to increase their investment in Seacoast Banking Corporation of Florida,

Stuart, Florida, and thereby increase their investment in Seacoast National Bank.

Richmond

- Approved, December 19, 2013

First Bank of Miami Shares, Inc., Miami, Florida -- relief from certain commitments.

Director, BS&R

- Granted, December 16, 2013

GNB Financial Services, Inc., Gratz, Pennsylvania -- to merge with Liberty Centre

Bancorp, Inc., Pottsville, and thereby acquire Liberty Savings Bank, FSB.

Philadelphia

- Approved, December 18, 2013

Hill Country Bancshares, Inc., Llano, Texas -- to become a bank holding company by

acquiring Llano National Bank, Llano.

Dallas

- Approved, December 19, 2013

H.2 Actions under delegated authority December 15, 2013 to December 21, 2013

(A/C) = Addition or Correction Delegated - 2 of 7
Bank Holding Companies

Hometown Community Bancorp, MHC, Oxford, Massachusetts, and Hometown

Community Bancorp, Inc. -- to become bank holding companies by acquiring

Hometown Bank, Oxford.

Boston

- Approved, December 16, 2013

Jefferson Bankshares, Inc., Oldsmar, Florida -- to become a bank holding company

by acquiring Jefferson Bank of Florida, Oldsmar.

Atlanta

- Approved, December 20, 2013

SP Bancorp, Inc., Plano, Texas -- to become a bank holding company by acquiring

Share Plus Bank, Plano, formerly Share Plus Federal Bank, on its conversion from a

savings association to a commercial bank charter.

Dallas

- Approved, December 16, 2013

WCM Holdings, Inc., Dallas, Texas, and WCM-Parkway, Ltd. -- to acquire shares of

Veritex Holdings, Inc., Dallas, and Veritex Community Bank.

Dallas

- Approved, December 18, 2013

Bank Mergers

Platte Valley Bank, Torrington, Wyoming -- to merge with Tri-County Bank,

Cheyenne, and thereby establish two branches.

Kansas City

- Approved, December 16, 2013

H.2 Actions under delegated authority December 15, 2013 to December 21, 2013

(A/C) = Addition or Correction Delegated - 3 of 7
Banks, Foreign

NCG Banco, S.A., A Coruna, Spain -- to establish a representative-administrative

office in Miami, Florida.

Atlanta

- Withdrawn, December 20, 2013

RBC Investor Services Bank S.A., Esch-sur-Alzette, Luxembourg -- to establish a

representative office in New York, New York.

Director, BS&R

- Approved, December 17, 2013

Banks, State Member

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

investments.

Director, BS&R

- Approved, December 20, 2013

Change in Bank Control

First of Minden Financial Corporation, Minden, Nebraska -- change in bank control

of First of Minden Financial Corporation and its subsidiary, First Bank and Trust

Company, Minden.

Kansas City

- Permitted, December 20, 2013

Quaint Oak Bancorp, Inc., Southampton, Pennsylvania -- change in bank control of

Quaint Oak Bancorp and its subsidiary, Quaint Oak Bank, Southampton (two

notices).

Philadelphia

- Permitted, December 16, 2013

H.2 Actions under delegated authority December 15, 2013 to December 21, 2013

(A/C) = Addition or Correction Delegated - 4 of 7
Extensions of Time

Arvest Bank, Fayetteville, Arkansas -- extension to February 21, 2014, to establish a

branch at 1702 Airport Road, Hot Springs.

St. Louis

- Granted, December 18, 2013

First Partners Financial, Inc., Birmingham, Alabama -- extension to March 27, 2014,

to become a bank holding company by acquiring First Partners Bank, Birmingham.

Atlanta

- Granted, December 17, 2013

Union First Market Bankshares Corporation, Richmond, Virginia -- extension to

March 28, 2014, to acquire StellarOne Corporation, Charlottesville, and thereby

acquire StellarOne Bank, Christiansburg.

Richmond

- Granted, December 17, 2013

Financial Holding Companies

AmeriBancShares, Inc., Wichita Falls, Texas, and AmeriBancShares of Delaware,

Inc., Wilmington, Delaware -- election to become financial holding companies.

Dallas

- Effective, December 19, 2013

LaPorte Bancorp, Inc., La Porte, Indiana -- election to become a financial holding

company.

Chicago

- Effective, December 19, 2013

H.2 Actions under delegated authority December 15, 2013 to December 21, 2013

(A/C) = Addition or Correction Delegated - 5 of 7
Membership

The Central Trust Bank, Jefferson City, Missouri -- to become a member of the

Federal Reserve System.

St. Louis

- Approved, December 20, 2013

Empire Bank, Springfield, Missouri -- to become a member of the Federal Reserve

System.

St. Louis

- Approved, December 19, 2013

The First National Bank of Logan, Logan, Iowa -- to retain membership in the

Federal Reserve System on conversion to a state-chartered bank, Logan State Bank.

Chicago

- Approved, December 17, 2013

Jefferson Bank of Missouri, Jefferson City, Missouri -- to become a member of the

Federal Reserve System.

St. Louis

- Approved, December 20, 2013

Ozark Mountain Bank, Branson, Missouri -- to become a member of the Federal

Reserve System.

St. Louis

- Approved, December 20, 2013

H.2 Actions under delegated authority December 15, 2013 to December 21, 2013

(A/C) = Addition or Correction Delegated - 6 of 7
Membership

Share Plus Federal Bank, Plano, Texas -- to become a member of the Federal Reserve

System on conversion from a federal savings bank to a commercial bank charter.

Dallas

- Approved, December 16, 2013

Regulations and Policies

Regulation BB (Community Reinvestment) -- interagency annual adjustment to the

asset-size thresholds used to define small bank, small savings association,

intermediate small bank, and intermediate small savings association under the

Community Reinvestment Act regulations.

Secretary

- Approved, December 19, 2013

H.2 Actions under delegated authority December 15, 2013 to December 21, 2013

(A/C) = Addition or Correction Delegated - 7 of 7
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending December 21, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 117672 ABINGTON BK, ABINGTON, MASSACHUSETTS 08/26/2013 12/08/2013 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending December 21, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

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

Citibank Overseas Investment Corporation, New 

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

Regulation K, to make an additional investment 

in Citifin S.A. E.F.C., Madrid, Spain.

CITIBANK, N.A.

Newspaper:

Federal Register:

4c8 Not applicable

01/07/2014

CorpBanca, Santiago, Chile, to engage de novo 

through CorpBanca Securities Inc., New York, 

New York, in financial and investment advisory 

activities and securities brokerage, riskless 

principal and private placement activities, 

pursuant to Sections 225.28(b)(6) and 225.28(b)

(7) of Regulation Y.

CORPBANCA

Newspaper:

Federal Register:

* 3A1 Not available

Not available

New Investors Bancorp, Inc., Short Hills, New 

Jersey, providing notice pursuant to Section 

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

Regulation Y to acuire Investors Bank, Short 

Hills, 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 December 21, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Jim Thorpe National Bank, Jim Thorpe, PA, to 

become a member of the Federal Reserve 

System.

JIM THORPE NATIONAL BANK, 

THE

* 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

 342410 ORRSTOWN BK, SHIPPENSBURG, PENNSYLVANIA 07/29/2013 12/09/2013 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending December 21, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 12/19/2013

01/03/2014

Interagency Notice of Change in Control 

submitted by Clay Graham, Zanesville, OH; 

Bryan Graham, Zanesville, OH; Colby James 

Graham, Zanesville, OH; Courtney Lynelle 

Graham, Columbus, OH; Adam Hamilton 

Graham, Bexley, OH; and Mark David Weiser 

and Debra Kay Weiser, Zanesville, OH 

(collectively the Graham Family Control Group) 

of their intent to retain control of 25 percent or 

more of the ourstanding voting shares of North 

Valley Bancshares, Inc., Zanesville, OH.

NORTH VALLEY BANCSHARES, 

INC.

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending December 21, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Citizens Community Bank, South Hill, Virginia, 12/26/2013

to establish a branch at 851 South Beckford 

Drive, Henderson, North Carolina.

CITIZENS COMMUNITY BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Hometown Bank, Roanoke, Virginia, to establish 

a branch at 852 West Main Street, Salem, 

Virginia.

HOMETOWN BANK

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 34425 BANK OF LANCASTER, KILMARNOCK, VIRGINIA 08/26/2013 11/28/2013 S Int Sm Bank

 18836 CAPON VALLEY BK, WARDENSVILLE, WEST VIRGINIA 08/19/2013 12/08/2013 O Small Bank

 2736451 NEW PEOPLES BK, HONAKER, VIRGINIA 08/12/2013 12/02/2013 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending December 21, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

08/08/2013

Banco De Credito E Inversiones, Empresas Juan 

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

Inversiones Baquio LTDA., Inversiones Nueve 

LTDA., and Administraciones Baquio LTDA., 

all of Santiago, Chile, to become bank holding 

companies by acquiring 100 percent of CM 

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

its subsidiary, City National Bank of Florida, 

Miami, Florida.

BANCO DE CREDITO E 

INVERSIONES S.A.

Newspaper:

Federal Register:

CIC Not available

11/26/2013

After-the-fact change in control notice filed by 

Ben F. Easterlin IV and Tommye B. Easterlin, 

both of Atlanta, Georgia, to retain 27.63 percent 

of the outstanding shares of CBA Bankshares, 

Inc., and Citizens Bank of Americus, both of 

Americus, Georgia.

CBA BANKSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

01/17/2014

First Florida Bancorp, Inc., to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of First Florida Bank, 

both of Destin, Florida.

FIRST FLORIDA BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 01/18/2014

01/20/2014

Independent Bancshares, Inc. Employee Stock 

Ownership Plan, Red Bay, Alabama, to acquire 

48 percent to 50.99 percent of the outstanding 

shares of Independent Bancshares, Inc., and its 

subsidiary, Community Spirit Bank, both of Red 

Bay, Alabama.

INDEPENDENT BANCSHARES, 

INC. EMPLOYEE STOCK 

OWNERSHIP PLAN

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending December 21, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Baylake Bank, Sturgeon Bay, Wisconsin, to 

purchase certain assets and assume certain 

liabilities of a branch, located at 333 South 

Nicolet Road, Appleton, Wisconsin of 

Community Bank & Trust, Sheboygan, 

Wisconsin.

BAYLAKE BANK

Newspaper:

Federal Register:

CIC Not available

01/09/2014

Mary Lou McChristy, Stonington, Illinois, to 

acquire 25 percent or more of the outstanding 

shares of Blue Mound Bancshares, Inc., and 

thereby indirectly acquire control of The State 

Bank of Blue Mound, both of Blue Mound, 

Illinois, and Mary Lou McChristy and Frank J. 

McChristy, Stonington, Illinois, together as a 

group acting in concert, to retain control of 10 

percent or more of Blue Mound Bancshares, 

Inc., and thereby indirectly retain control of The 

State Bank of Blue Mound.

BLUE MOUND BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC Not available

01/02/2014

The George Breckenridge Family Trust, with 

Maureen Breckenridge as trustee, and Maureen 

Breckenridge as trustee of the George 

Breckenridge Family Trust and the Maureen 

Breckenridge Trust, individually, and the 

George Breckenridge Family Trust, the Maureen 

Breckenridge Trust, and Maureen Breckenridge 

as trustee of the George Breckenridge Family 

Trust and the Maureen Breckenridge Trust, all 

of Yates City, Illinois, together as a group acting 

in concert, to retain control of 25 percent or 

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

and thereby indirectly retain control of Bank of 

Yates City, both of Yates City, Illinois.

FIRST BANCORP, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Lake Forest Bank & Trust Company, Lake 

Forest, Illinois, to purchase the assets and 

assume the liabilities of a branch, and will 

continue to operate a branch, located at 4 East 

Scranton Avenue, Lake Bluff, Illinois; from 

Baytree National Bank & Trust Company, Lake 

Forest, Illinois.

LAKE FOREST BANK & TRUST 

COMPANY

Newspaper:

Federal Register:

* 3A1 Not available

4c8 01/17/2014

Mid Illinois Bancorp, Inc., Employee Stock 

Ownership Plan, Peoria, Illinois, to become a 

bank holding company by acquiring at least 30 

percent of Mid Illinois Bancorp, Inc., Peoria, 

Illinois, and thereby acquire control of South 

Side Trust and Savings Bank, Peoria, Illinois. 

ESOP also requests permission to engage in 

extending credit and servicing loans pursuant to 

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

MID ILLINOIS BANCORP, INC. 

EMPLOYEE STOCK OWNERSHIP 

PLAN

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

Federal Reserve Bank of Chicago

Filings received during the week ending December 21, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

01/10/2014

Van Buren Bancorporation ESOP, Keosauqua, 

Iowa, to increase its ownership of Van Buren 

Bancorporation, Keosauqua, Iowa, from 43.42 

percent to up to 50.1 percent, and thereby 

increase its indirect ownership of Community 

First Bank, Keosauqua, Iowa and First Iowa 

State Bank, Albia, Iowa.

VAN BUREN 

BANCORPORATION EMPLOYEE 

STOCK OWNERSHIP PLAN

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 596848 AMERICAN T&SB, DUBUQUE, IOWA 08/12/2013 12/03/2013 S Int Sm Bank

 882242 ROLLING HILLS B&T, ATLANTIC, IOWA 02/04/2013 12/15/2013 S Small Bank

 595430 STATE BK THE LAKES, ANTIOCH, ILLINOIS 07/23/2013 12/16/2013 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending December 21, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

Not available

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

to acquire 100 percent of Bancshares, Inc., 

Houston, Texas, and thereby indirectly acquire 

Omnibank, N.A., Houston, Texas.

BANK OF THE OZARKS INC

Newspaper:

Federal Register:

Member Not applicable

Not applicable

The Central Trust Bank, Jefferson City, 

Missouri to become a member of the Federal 

Reserve System.

CENTRAL TRUST BANK, THE

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Jefferson Bank of Missouri, Jefferson City, 

Missouri, to become a member of the Federal 

Reserve System.

JEFFERSON BANK OF 

MISSOURI

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Ozark Mountain Bank, Branson, Missouri, to 

become a member of the Federal Reserve 

System

OZARK MOUNTAIN BANK

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Southern Bank, Poplar Bluff, Missouri, to merge 01/20/2014

with Citizens State Bank of Bald Knob, Inc., 

Bald Knob, Arkansas, and to retain the acquired 

facilities as branch offices.

SOUTHERN BANK

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending December 21, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

01/09/2014

Duke Financial Group, Inc., Minneapolis, 

Minnesota, to engage, de novo, in extending 

credit and servicing loans.

DUKE FINANCIAL GROUP, INC.

Newspaper:

Federal Register:

CIC Not available

01/09/2014

Dawn Crane, Fosston, Minnesota, individually 

and as trustee, and Lorri Skeie-Campbell, Rio 

Rancho, New Mexico, individually and as 

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

shares of Financial Services of Winger, Inc., 

Winger, Minnesota ("FSWI"), and thereby 

indirectly retain and acquire control of Ultima 

Bank Minnesota, Winger, Minnesota. Also, 

Dawn M. Skeie Crane Irrevocable Trust, 

Winger, Minnesota, Dawn Crane, co-trustee, 

and Lorri J. Skeie-Campbell Irrevocable Trust, 

Winger, Minnesota, Lorri Skeie-Campbell, 

co-trustee, to retain voting shares of FSWI and 

thereby remain members of the Skeie family 

shareholder group, which controls 25% or more 

of FSWI.

FINANCIAL SERVICES OF 

WINGER, INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending December 21, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

12/23/2013

Citizens National Corporation, Wisner, 

Nebraska, to acquire 100 percent of the voting 

shares of Cass County State Company, parent 

of Cass County Bank, Inc.

CITIZENS NATIONAL 

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

First State Bank Nebraska, Lincoln, Nebraska, to 12/31/2013

establish a mobile branch for Lancaster County 

and surrounding counties.

FIRST STATE BANK 

NEBRASKA

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

InterBank, Oklahoma City, Oklahoma, to merge 

with Park Cities Bank, Dallas, Texas, and 

incident thereto, to establish branches in 

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

INTERBANK

Newspaper:

Federal Register:

CIC 01/02/2014

12/26/2013

Bill J. Gotch, Myrna F. Gotch, Jennifer L. Gotch, 

and Brett J. Gotch, all of South Sioux City, 

Nebraska, to acquire voting shares of Siouxland 

National Corporation, and thereby indirectly 

acquire voting shares of Siouxland National 

Bank, both in South Sioux City, Nebraska.

SIOUXLAND NATIONAL 

CORPORATION

* 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

 376657 FARMERS ST BK, STANBERRY, MISSOURI 09/09/2013 12/06/2013 S Small Bank

 767255 LAMAR B&TC, LAMAR, MISSOURI 09/09/2013 12/05/2013 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending December 21, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* SLHC Not available

Acquisition

MHC Minority 

Stock Issuance

Not available

AF Mutual Holding Company and Alamogordo 

Financial Corp., both of Alamogordo, New 

Mexico, to acquire by merger, Bank 1440, 

Phoenix, Arizona; and Alamogordo Financial 

Corp., to conduct a minority stock issuance.

AF MUTUAL HOLDING 

COMPANY

Newspaper:

Federal Register:

* 3A1 Not available

12/16/2013

Cistern, LLC and Flatonia Investments, LLC, 

both of Houston, Texas, to become bank 

holding companies by acquiring 100% of The 

Columbia Savings Bank, Cincinnati, Ohio.

CISTERN, LLC

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Frost Bank, San Antonio, Texas, to establish a 

branch located at 12700 Hill Country Blvd., Suite 

150, Bee Cave, Texas 78738.

FROST BANK

Newspaper:

Federal Register:

* 3A3 Not available

01/03/2014

Mesa Financial Corporation, Sweetwater, Texas, 

to acquire 100 percent of South Taylor County 

Bancshares, Inc., and thereby indirectly acquire 

100 percent of the outstanding shares of First 

State Bank in Tuscola, both in Tuscola, Texas.

MESA FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

01/10/2014

Minden Bancorp, Inc., Minden, Louisiana, to 

become a bank holding company by acquiring 

100 percent of MBL Bank, Minden, Louisiana.

MINDEN BANCORP, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending December 21, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Bank Control Notice by The Ricco 

Lagomarsino Testamentary Trust, Daly City, 

California, and a group consisting of Lisa 

Angelot, Enrico P. Togneri, Warren Hutchins, T. 

Anne Lassahn, (Trustees of the Trust), and 

Dolores Togneri, Lora Angelot, and Eric 

Angelot, all of Daly City, California, to retain in 

excess of 10 percent of FNB Bancorp and 

thereby indirect control of First National Bank 

of Northern California, both of South San 

Francisco, California.

FNB BANCORP

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Taipei Fubon Commercial Bank Co., Ltd, Taipei, 

Taiwan, requests to establish a representative 

office in San Jose, California, pursuant to 

section 211.24(a)(1) of Regulation K.

TAIPEI FUBON COMMERCIAL 

BANK CO., LTD.

Newspaper:

Federal Register:

CIC 01/04/2014

12/26/2013

Change in Bank Control Notice on behalf of 

John Jung Hun Chang, Wellwish Investment 

LLC, Ellis Eunrok Chang, all of Garden Grove, 

California, and Ellen Eunmi Chang, Bellevue, 

Washington, to retain 18.43 percent of U & I 

Financial Corp., and thereby indirect control of 

UniBank, both of Lynnwood, Washington.

U & I FINANCIAL CORP.

* 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

 3490871 PACIFIC ENT BK, IRVINE, CALIFORNIA 08/05/2013 12/09/2013 O Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act