Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks;

Applications and Reports Received

No. 46

Week Ending November 16, 2013

Board of Governors of the Federal Reserve System, Washington, DC 20551
Testimony and Statements

Confirmation Hearing -- statement by Vice Chair Yellen before the Senate

Committee on Banking, Housing, and Urban Affairs on her nomination as Chair of

the Board.

- Published, November 14, 2013

Monetary and Financial Policy

Term Deposit Facility -- fixed-rate offering of 28-day term deposits with full

allotment of tenders on November 18, 2013.

- Announced, November 13, 2013

Personnel

Management Division -- appointment of Jeffrey A. Martin as assistant director.

- Approved, October 11, 2013

(A/C)

Regulations and Policies

Community Reinvestment Act -- final new and revised interagency questions and

answers regarding community reinvestment.

- Approved, September 30, 2013

(A/C)

Regulations Z (Truth in Lending) and M (Consumer Leasing) -- final rules, issued

jointly with the Consumer Financial Protection Bureau, adjusting the dollar

thresholds for exempt consumer credit and consumer lease transactions, in

accordance with the Dodd-Frank Act.

- Approved, November 12, 2013

H.2 Board Actions November 10, 2013 to November 16, 2013

(A/C) = Addition or Correction Board - Page 1 of 2
Enforcement

North Milwaukee Bancshares, Inc., Milwaukee, Wisconsin -- written agreement with

the Federal Reserve Bank of Chicago.

- Announced, November 14, 2013

H.2 Board Actions November 10, 2013 to November 16, 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

November 10, 2013 to November 16, 2013

MA Monetary Affairs

Bank Branches, Domestic

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

November 18-24, 2013, at 2520 Tiburon Drive, Naples, Florida.

Cleveland

- Approved, November 15, 2013

First Vision Bank of Tennessee, Tullahoma, Tennessee -- to establish a branch at

303 West Main Street, Murfreesboro.

Atlanta

- Approved, November 15, 2013

Southern Bank of Tennessee, Mt. Juliet, Tennessee -- to establish a branch at

1213 West Main Street, Lebanon.

Atlanta

- Approved, November 15, 2013

Bank Holding Companies

2009 TCRT, Dallas, Texas; Ford Financial Fund II, L.P.; Ford Management II, L.P.;

Ford Ultimate Management II, LLC; GJF Financial Management II, LLC; Ford Fund

Investment LP; and LR Acquisition Company LLC -- to become bank holding

companies by acquiring Metropolitan National Bank, Little Rock, Arkansas; and for

2009 TCRT, GJF Financial Management II, Ford Ultimate Management II, and Ford

Management II to engage de novo in financial and investment advisory activities.

Dallas

- Withdrawn, November 12, 2013

(A/C) = Addition or Correction Delegated - 1 of 5
Bank Holding Companies

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

Corp., North Little Rock, and its subsidiary, National Bank of Arkansas in North

Little Rock.

St. Louis

- Approved, November 15, 2013

Coastway Bancorp, Inc., Cranston, Rhode Island -- to become a bank holding

company by acquiring Coastway Community Bank, Cranston, in connection with the

conversion of Coastway Bancorp MHC from mutual to stock form; and election of

Coastway Bancorp, Inc. to become a financial holding company.

Boston

- Approved, November 12, 2013

Croghan Bancshares, Inc., Fremont, Ohio -- waiver of application to acquire

Indebancorp, Oak Harbor, in connection with the merger of their respective

subsidiaries, The Croghan Colonial Bank, Fremont, and National Bank of Ohio,

Oak Harbor.

Cleveland

- Granted, November 15, 2013

First Community Corporation, Lexington, South Carolina -- waiver of application to

acquire Savannah River Financial Corporation, Augusta, Georgia, in connection with

the merger of their respective subsidiaries, First Community Bank, Lexington, South

Carolina, and Savannah River Banking Company, Aiken.

Richmond

- Granted, November 15, 2013

H.2 Actions under delegated authority November 10, 2013 to November 16, 2013

(A/C) = Addition or Correction Delegated - 2 of 5
Bank Holding Companies

First San Benito Bancshares Corporation, San Benito, Texas, and First Community

Bank, National Association -- waiver of application to acquire South Padre Bank,

National Association, South Padre Island, in connection with the merger of South

Padre Bank with First Community Bank.

Dallas

- Granted, November 14, 2013

Bank Mergers

Arvest Bank, Fayetteville, Arkansas -- to merge with National Bank of Arkansas in

North Little Rock, North Little Rock, and to retain the acquired facilities as branches.

St. Louis

- Approved, November 15, 2013

The Croghan Colonial Bank, Fremont, Ohio -- to merge with National Bank of Ohio,

Oak Harbor, and thereby establish branches.

Cleveland

- Approved, November 15, 2013

Banks, Nonmember, and Miscellaneous Institutions

The Carlyle Group L.P., Washington, D.C. -- relief from certain commitments.

Director, BS&R

- Granted, November 15, 2013

Change in Bank Control

FSB Investments, LLC, Oklahoma City, Oklahoma -- change in bank control of

FSB Investments and its subsidiary, The First State Bank, Oklahoma City.

Kansas City

- Withdrawn, November 13, 2013

H.2 Actions under delegated authority November 10, 2013 to November 16, 2013

(A/C) = Addition or Correction Delegated - 3 of 5
Extensions of Time

M&P Community Bancshares, Inc., 401(k) Employee Stock Ownership Plan,

Newport, Arkansas -- extension to February 22, 2014, to acquire additional shares of

M&P Community Bancshares, Inc., Newport.

St. Louis

- Granted, November 14, 2013

The McGehee Bank Employee Stock Ownership Plan, McGehee, Arkansas --

extension to February 16, 2014, to increase its ownership share of Southeast

Financial Bankstock Corporation, McGehee, and of Southeast Financial's subsidiary,

McGehee Bank.

St. Louis

- Granted, November 14, 2013

International Operations

U.S. Bank National Association, Cincinnati, Ohio -- waiver of the remainder of the

prior-notification period for U.S. Bank and its agreement corporation, USB European

Holdings Company, Minneapolis, Minnesota, to make an investment in Quintillion

Holding Company Limited, Dublin, Ireland; and for U.S. Bank to engage in mutual

fund administration through its foreign bank subsidiaries or subsidiaries of its Edge

Act and agreement corporations.

Director, BS&R

- Granted, November 6, 2013

(A/C)

Savings and Loan Holding Companies

Edgewater Bancorp, Inc., St. Joseph, Michigan -- to become a savings and loan

holding company by acquiring Edgewater Bank, St. Joseph, in connection with the

conversion of Edgewater Bank, a mutual savings bank, from mutual to stock form.

Chicago

- Approved, November 12, 2013

H.2 Actions under delegated authority November 10, 2013 to November 16, 2013

(A/C) = Addition or Correction Delegated - 4 of 5
Savings and Loan Holding Companies

SEI Investments Company, Oaks, Pennsylvania, and related trusts -- to deregister as

savings and loan holding companies.

General Counsel and Director, BS&R

- Approved, November 13, 2013

Thrivent Financial for Lutherans, Minneapolis, Minnesota, and Thrivent Financial

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

General Counsel and Director, BS&R

- Approved, November 14, 2013

H.2 Actions under delegated authority November 10, 2013 to November 16, 2013

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

Federal Reserve Bank of Boston

Filings received during the week ending November 16, 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

 939070 EASTERN SVGS BK, NORWICH, CONNECTICUT 07/08/2013 11/02/2013 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 November 16, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Other Foreign Not applicable

Not applicable

CLS Bank International, New York, New York, 

an Edge Corporation, requests approval to 

amend its Articles of Association to increase its 

Capital Stock.

CLS BANK INTERNATIONAL

Newspaper:

Federal Register:

PWI Not applicable

Not applicable

Goldman Sachs Bank USA, New York, New 

York, seeks prior approval for a public welfare 

investment.

GOLDMAN SACHS BANK USA

Newspaper:

Federal Register:

PWI Not applicable

Not applicable

Goldman Sachs Bank USA, New York, New 

York, seeks prior approval for a public welfare 

investment.

GOLDMAN SACHS BANK USA

* 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 November 16, 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

 978118 FIRST CITIZENS CMNTY BK, MANSFIELD, PENNSYLVANIA 06/24/2013 11/07/2013 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 November 16, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 189129 COMMERCIAL & SVG BK, MILLERSBURG, OHIO 08/19/2013 11/15/2013 S Int Sm Bank

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 November 16, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

12/12/2013

CapGen Capital Group III LLC and CapGen 

Capital Group III LP, both of New York, New 

York, to increase their investment up to 25% of 

the outstanding common stock of Seacoast 

Banking Corporation of Florida, Stuart, Florida, 

and thereby increase their investment in 

Seacoast National Bank, Stuart, Florida.

CAPGEN CAPITAL GROUP III 

LLC

* 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

 858528 BANK OF MARION, MARION, VIRGINIA 07/15/2013 11/03/2013 S Large Bank

 829032 BCBANK, PHILIPPI, WEST VIRGINIA 06/03/2013 10/31/2013 S Small Bank

 3248849 MAINSTREET BK, FAIRFAX, VIRGINIA 07/29/2013 11/04/2013 S Small Bank

 365325 UNITED BK, FAIRFAX, VIRGINIA 06/03/2013 11/07/2013 S Large Bank

 1010930 UNITED BK, PARKERSBURG, WEST VIRGINIA 06/03/2013 11/07/2013 S Large 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 November 16, 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

Not available

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:

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.

Newspaper:

Federal Register:

* 3A5 Not available

12/13/2013

South Georgia Bank Holding Company, Omega, 

Georgia, to merge with Dooly Bancshares, Inc., 

and thereby acquire its subsidiary, Bank of 

Dooly both of Vienna, Georgia.

SOUTH GEORGIA BANK 

HOLDING COMPANY

* 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

 233031 REGIONS BK, BIRMINGHAM, ALABAMA 09/10/2012 08/14/2013 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending November 16, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Central Bank, Storm Lake, Iowa, to purchase the 

assets and assume the liabilities of seven 

branch offices of Liberty Bank, FSB, West Des 

Moines, Iowa. In conjunction, Central Bank will 

establish 7 branch offices.

CENTRAL BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Iowa State Bank, Hull, Iowa, to merge with Iowa 

State Bank, Remsen, Iowa. As a result of this 

merger, Iowa State Bank, Hull, Iowa, will 

establish a branch office at 17 West 2nd Street, 

Remsen, Iowa.

IOWA STATE BANK

* 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

 2298995 VILLAGE B&TC, ARLINGTON HEIGHTS, ILLINOIS 11/05/2012 11/12/2013 S Int Sm Bank

 269049 VISIONBANK OF IA, AMES, IOWA 07/08/2013 11/12/2013 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending November 16, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/27/2013

Notice by James Terill Wilson, Bronston, 

Kentucky, acting individually and in concert 

with a family control group, to gain control of 

First Bancorp, Inc., Russell Springs, Kentucky. 

The control group consists of Mr. Wilson, 

James T. Wilson, Jr., Sarah Wilson, James Terill 

Wilson IRA, James T. Wilson, Jr. Trust, Sarah 

Wilson Trust, James T. Wilson, Jr. Investment 

Trust, Sarah Wilson Investment Trust, all of 

Bronston, Kentucky, and Terry S. Wilson, 

Russell Springs, Kentucky.

FIRST BANCORP, INC.

Newspaper:

Federal Register:

* 3A5 12/11/2013

12/16/2013

Old National Bancorp, Evansville, Indiana to 

merge with Tower Financial Corporation, Fort 

Wayne, Indiana, and thereby indirectly acquire 

Tower Bank and Trust Company, Fort Wayne, 

Indiana.

OLD NATIONAL BANCORP

Newspaper:

Federal Register:

CIC 12/03/2013

12/05/2013

Notice by an investor group consisting of 

Fanyu Meng, Frontenac, Missouri, Yahong 

Zhang, Changsha City, Hunan Province, China, 

Suchin Prapaisilp, Frontenac, Missouri, and 

Thomas Cy Wong, St. Louis, Missouri. The 

investor group intends to acquire control of 

Superior Bancshares, Inc., Hazelwood, 

Missouri, the parent company of Superior Bank, 

Hazelwood, Missouri.

SUPERIOR BANCSHARES, INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 145059 BANK OF HALLS, HALLS, TENNESSEE 07/29/2013 11/08/2013 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending November 16, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 11/23/2013

11/25/2013

Abdo Investments, Inc., Edina, Minnesota, to 

retain additional voting shares and acquire 

additional warrants on voting shares, thereby 

increasing its ownership interest to 28.00%, of 

Rivers Ridge Holding Company, Edina, 

Minnesota, which owns BankVista, Sartell, 

Minnesota.

ABDO INVESTMENTS, INC.

Newspaper:

Federal Register:

CIC 10/30/2013

11/15/2013

Change in Control Notice by Jay Abdo, 

Bloomington, Minnesota; Melody Borth, 

Mankato, Minnesota; Jill Hansen, Edina, 

Minnesota; Lynne Abdo, Norwalk, 

Connecticut; James Abdo, Edina, Minnesota; 

John Abdo, Saint Paul, Minnesota; and Paul 

Abdo, Edina, Minnesota, to retain 10% or more 

of the voting shares of Abdo Investments, Inc., 

Edina, Minnesota, and thereby indirectly retain 

control of Rivers Ridge Holding Company, 

Edina, Minnesota, which owns BankVista, 

Sartell, Minnesota.

ABDO INVESTMENTS, INC.

Newspaper:

Federal Register:

* 3A3 Not available

4c8 12/06/2013

Choice Financial Holdings, Inc., Grafton, North 

Dakota, to acquire 100% of Great Plains National 

Bank, Belfield, North Dakota. Choice Financial 

Holdings, Inc. also to acquire a 51% interest in 

Great Plains National Insurancy Agency, LLC, 

LaMoure, North Dakota, and thereby indirectly 

engage in general insurance agency activities in 

a community that has a population not 

exceeding 5,000.

CHOICE FINANCIAL HOLDINGS, 

INC.

Newspaper:

Federal Register:

* 3A3 11/30/2013

11/29/2013

Independent Bancshares, Inc., Clarkfield, 

Minnesota, to acquire 100 percent of The 

Citizens State Bank of Olivia, Olivia, Minnesota.

INDEPENDENT BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC 11/12/2013

10/31/2013

Retroactive change in control notice by Karen 

Neidhardt, Tampa, Florida, individually and as 

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

thereby control of Jorgenson Holding 

Company, Inc., Kenmare, ND. Jorgenson 

Holding Company controls State Bank and 

Trust of Kenmare, Kenmare, ND, and The 

Citizens State Bank at Mohall, Mohall, ND. In 

addition, Ann Lenore Musser Irrevocable Trust, 

Kenmare, ND, Karen Neidhardt and Jane Farris, 

co-trustees and Jane Ellen Neidhardt 

Irrevocable Trust, Kenmare, ND, Karen 

Neidhardt and Ann Musser, co-trustees are 

filing notice to retain shares of Jorgenson 

Holding Company and thereby join the 

Jorgenson family group that controls 25% or 

more of Jorgenson Holding Company.

JORGENSON HOLDING 

COMPANY

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending November 16, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/26/2013

The James M. and Devon J. Goetz Family Trust 

Five, 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:

* 18C Not available

* Branch Not applicable

Peoples Bank of Wisconsin, Hayward, 

Wisconsin, to merge with Summit Community 

Bank, Maplewood, Minnesota, and incident 

thereto, establish a branch.

PEOPLES BANK OF WISCONSIN

* 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

 215653 WELCOME ST BK, WELCOME, MINNESOTA 08/12/2013 11/08/2013 S Small Bank

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 November 16, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Ameri-National Corporation, Overland Park, 

Kansas, proposes to engage in lending 

activities.

AMERI-NATIONAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

12/06/2013

Carroll County Bancshares, Inc., Carrollton, 

Missouri, to acquire up to 24.99 percent of the 

voting shares of Adams Dairy Bancshares, Inc., 

parent of Adams Dairy Bank, both in Blue 

Springs, Missouri.

CARROLL COUNTY 

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

 56557 COBIZ BK, DENVER, COLORADO 07/15/2013 11/14/2013 S Large Bank

 190451 ROSE HILL BK, ROSE HILL, KANSAS 07/29/2013 10/28/2013 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 November 16, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

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:

* 3A5 Not available

12/06/2013

FB Bancshares, Inc., Wichita Falls, Texas, to 

acquire by merger 100 percent of Byers 

Bancshares, Inc., and indirectly acquire First 

National Bank, both of Byers, Texas.

FB BANCSHARES, INC.

Newspaper:

Federal Register:

* SLHC Not available

Formation 11/15/2013

Grant Scott as Trustee of the Voting Trust 

Agreement dated as of December 6, 2012, 

Raleigh, North Carolina, to register as a savings 

and loan holding company through the 

acquisition of a controlling interest in NexBank 

Capital, Inc., and therefore indirectly, NexBank, 

State Savings Bank, both of Dallas, Texas.

GRANT SCOTT AS TRUSTEE OF 

THE VOTING TRUST 

AGREEMENT DATED AS OF 

DECEMER 6.2012

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Hill Country Bancshares, Inc., Llano, Texas, to 

become a bank holding company by acquiring 

100 percent of Llano National Bank, Llano, 

Texas.

HILL COUNTRY BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC

Not available

Retroactive notice by George W. Cummings, III 11/28/2013

and Nanette Weaver Cummings, both of 

Monroe, Louisiana; George W.Cummings, Jr., 

Monroe, Louisiana; Twist Family, LLP, Dallas, 

Texas; Randall Twist, Dallas, Texas; Dewey F. 

Weaver Jr., Monroe, Louisiana;, Colby Weaver, 

Monroe, Louisiana; and Dewey Weaver, III, 

West Monroe, Louisiana; to acquire and control 

greater than 10 percent of Progressive Bancorp, 

Inc., Monroe, Louisiana, and indirectly, 

Progressive Bank, Monroe, Louisiana.

PROGRESSIVE BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 12/09/2013

12/08/2013

SP Bancorp, Inc., Plano, Texas, to become a 

bank holding company through the acquisition 

of 100 percent of Share Plus Bank, Plano, Texas 

(the resulting institution from the conversion of 

Share Plus Federal Bank, a federal savings 

association, to a commercial bank charter).

SP 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 November 16, 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:

CIC Not available

10/24/2013

Change in Bank Control Notice by Alex 

Meruelo, Newport Coast, California, to acquire 

up to 89 percent of NCAL Bancorp, and thereby 

indirectly acquire National Bank of California, 

both of Los Angeles, California.

NCAL BANCORP

Newspaper:

Federal Register:

PWI Not applicable

Not applicable

Silicon Valley Bank, Santa Clara, California, 

requesting pre-approval to make a public 

welfare investment in the amount of $8 million in 

the Merritt Community Capital Fund XVI, L.P.

SILICON VALLEY BANK

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Taipei Fubon Commercial Bank Co., Ltd, Taipei, 

Taiwan, requests to establish a representative 

office in San Jose, California, pursuant to 

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

TAIPEI FUBON COMMERCIAL 

BANK CO., LTD.

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 1864197 OAK VALLEY CMNTY BK, OAKDALE, CALIFORNIA 07/22/2013 11/07/2013 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act